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Thursday, January 10, 2013


The New Year, 2013, approaches. And as everyone knows, the number 13 holds great symbolism. . Scientists know the Universe is governed by 13 fundamental constants of physics, and the relationship between the volume of the Earth and the Sun is 1310. For shoppers there’s added value of 13 items comprising a “baker’s dozen.” Anthropologists study the 13 skies of the Aztecs.
But for marketers and brand managers who want to look beyond the horizon, we have identified 13 critical trends for 2013:
1. The Expectation Economy
Over the past decade, customer expectations have increased on average by 28%. But brands in all categories overall have kept up by only 8%, which anyone at the checkout counter can tell you is an awfully big gap between what brands offer and what customers desire. Accurate measures of real, often hidden, expectations provide significant advantages to brands that understand their value and point to how to delight customers.
2. Me-tail
The consumers’ heightened awareness of their actual control, added to the commoditization of brands and products, equals a significant segment of consumers craving customized and personalized products and services (see success of Pinterest). Customization will become an even more important brand differentiator, with returns-on-investments of loyalty and profitability made-to-order for your brand. 
3. (E)tail Everywhere
Along with consumer expectations, online retailing increases daily. But increases in brand equity, and usage among online retailers, will come with consumers’ desires to be constantly connected to these brands. Brands will have to watch for online retail pop-up stores, like Amazon, and physical kiosks for brands like Groupon, and think in terms of broader access.
4. Siri-ously Soon
Voice assistance – or more accurately, voice assistants – will become more the rule than the exception. Such applications will be designed and incorporated into more devices to meet consumers’ increasing expectations for immediate and customized support in all forms of outreach. 
5. The Known and the Branded
Real brands will become rarer. Examples of brands that delight consumers have become the yardstick to evaluate all products and services. While we may still call them brands, consumers think of them as category placeholders: stuff that doesn’t stand for anything. Understanding what will turn consumers into fans will provide a foundation for meaningful differentiation. 
6. Story Telling Tales
Brands that seek differentiation and wish to establish emotional connections that produce consumer engagement will need to get better at storytelling. Understanding where the gaps exist between emotional aspects of the brand’s category ideal and how the brand is seen by consumers, can provide opportunities to identify unique stories, histories and tales that will differentiate, entertain, and engage. 
7. It’s Not Going to Get Any Easier Being Green
Producing, selling, and shopping based on environmentally “green” production and design, fair-trade and socially conscious consumption is on the rise. But given ease of consumer outreach and their ability to pull back the brand curtain, watch for significant increases in total sustainability and corporate responsibility in the consumers’ decision process. 
8. Social Susceptibility
Watch for greater influences of engagement and purchase habits via friends and social networks. Brands will have to factor in the reality that peer-to-peer communications come in three varieties: good, bad, and bland. This makes companies more susceptible to consumer indifference, their conversations and social interactions. Already brands are watching the “de-friending,” or worse –negative news or outright bad evaluations about the brand. The brands that make it here will know the "how" of this consumer-controlled space. 
9. Mobile Screen Tests
Mobile devices will become mainstream testing retailers on those screens. Brands must prepare to accommodate this trend, as consumers will rely more upon screens to engage with brands and guide purchase decisions. Brands will need to create carefully targeted campaigns for this platform and provide screen-friendly promotional materials and retail sites. 
10. App Savants
Consumers will take greater advantage of applications. But this year those typically small, specialized programs downloaded into mobile devices will move beyond games, GPS, and media, to more personalized applications that monitor, remind, suggest, learn, and know their users’ profiles and preferences. Brands will need to make greater use of such emotional and intimate connections. 
11. Facebook Is a Given
With brand ubiquity on the largest social network, recognition will be the least of a brand’s concerns. The question is not, “should I be on Facebook,” but has now become “what should I do on Facebook?” Brands will have to graduate from posting pictures, collecting friends, and/or offering coupons. But doing so will depend on the category in which the brand competes and where social networks make themselves strategically felt in the category. 
12. Saturation Leveling
It’s no secret that there are more products and services using more platforms and outreach streams with the marketplace dangerously close to saturation with marketing messaging. But just because it's different, doesn't mean it's differentiating. Brands will have to plan and research engaging pre-launchactivities if they wish to level the playing field and earn a high engagement-to-effort return on their investments. 
13. Engagement Empowers
Non-engaged customers are a brand's most vulnerable assets. Period. Marketers need to engage all along the journey, from engaging platforms, programs, messages, or experiences. Brands must keep their eye on the prize when using any of these engagement methods, however. It's all about meeting the ultimate goal of increasing brand engagement. 
By the way, the number 13 is also thought by some to be unlucky. And we agree, but only those brands that ignore these trends will face direct consequences to the success or failure of branding, engagement, and marketing efforts in 2013.

Saturday, September 29, 2012

Know the debt relief options that can help you to avoid bankruptcy



Debt is a four letter word that is feared by most people. However, it is hardly seen that people try and stay out of debt. Most people realize the vices of debt once they incur it. It is then that they would go to all lengths to get out of debt and avoid bankruptcy. There are many reasons for which you can fall into debt. It maybe the excessive splurging that you have done or it might be that you had to take loan for the education of your child or to pay medical bills or any other important purpose. However, debt will always be counted as debt irrespective of the reason for it and you have to pay it back no matter how difficult an economic situation you are in.
How can debt affect you?
The worse thing about not being able to get out of debt is bankruptcy. If you have to go for bankruptcy, your credit score will be affected really bad and be reduced by 150 to 200 points. In such a situation you won’t be able to get any credit whether be a credit card, mortgage, auto loan or even any traditional installment loans. The bankruptcy record remains on your credit report from 7 to 10 years. Thus it is vital that you should avoid bankruptcy. There are two major debt relief options that can help you in avoiding bankruptcy. Read on to know more about them.
1. Debt consolidation – This option is applicable to you if you are not being able to make more than your minimum monthly payments. In debt consolidation all your multiple unsecured debts are clubbed into a single debt so that paying back your debts become easier. Thus you can pay back your multiple creditors with single monthly payments. Also you are able to reduce the interest rate on your outstanding debts with the help of debt consolidation. This makes the process of paying back your debts a lot easier as you now have to make lower monthly payments to get out of your debt.
2. Debt settlement – If you see that debt consolidation is not helping you, you can go for debt settlement. This option is applicable if you have defaulted on one or more payments and there is absolutely no way that you can pay your entire debt back. In the process of debt settlement negotiation is done in order to reduce the outstanding debt amount that you have to pay. Thus you can get about 40% to 60% of your debts reduced.
Thus you can see how the above two processes can help you get out of debt and avoid bankruptcy.

Saturday, March 24, 2012

Kencing Manis dan Medical Card

Statistik : 1 Daripada Setiap 7 orang Dewasa Menghidapi Diabetes


Salam semua para pembaca setia blog saya. Agak lama saya tak update blog saya, agak sibuk dengan tugas harian. Tambahan pulak baru pindah office dari Tmn Berkeley ke Prima Klang Avenue. Ok, hari nie saya nak highlight mengenai risiko penyakit kencing manis dan kaitannya secara langsung dengan insurance perubatan (medical card). Mungkin ramai yang amik mudah pekara ini. Untuk pengetahuan pembaca sekalian, pengalaman saya buat insurance especially masa nak apply insurance or medical card....kalau client tu dah ada kencing manis....sama ada border, under control atau tak control..sama ada kawalan dengan diet atau ubat, bila nak apply medical card sahaja, sure kena ME and blood test...(utk check kandungan gula dalam darah)...kalau di luar paras normal sahaja, sure H & S (Hospital and Surgical) Declined.


Kalau kita lihat keratan akhbar yang diambil dari Berita Harian, maybe ianya cerita lama, dan sekarang nie saya lihat dah takde awareness program mcm ni kat paper2 utama. Tapi, hakikatnya, adakah risikonya berkurangan? Sudah tentu tidak, dengan cara pemakanan kita yang asyik2 manis setiap hari dan ditambah lagi dengan sikap kita yang kurang bersenam utk keluarkan peluh...risiko penyakit ini semakin meruncing. Dan kalau kita baca pada keratan akhbar ini, pelbagai penyakit lain akan timbul akibat penyakit diabetes ni.


Dan satu lagi, saya pernah hadiri training mengenai process underwriting policy Prudential dan PruBSN Takaful, yang beri taklimat adalah seorang Doktor. So, beliau ada menyatakan, sesetengah orang berpendapat, penyakit kencing manis nie lebih bahaya daripada cancer...sebab tiada ubat. Setidak2nya, cancer ada yang recover dan pulih seperti biasa. Cuma kalau dah kena sakit kencing manis nie (Diabetis Mellitus) akan terus menerus bergantung kepada ubat dan tiada ubat yang boleh pulihkan seperti biasa (ini menurut beliau)....Then, harapan untuk mencari medical card akan berkubur. So, standby le duit utk cover pelbagai penyakit yang mungkin timbul pada masa akan datang.


Ramai jugak yang jumpa saya atau masa kami buat booth, ada prospect yang datang ke meja kami dan bertanyakan macam2 pasal medical card, then masa nak sign up, part kena jawab questionaire sekali ada history kencing manis....begitu la saban waktu kalau ada orang yang nak cari medical card dah sakit. Kami tak boleh nak buat apa2. Paling tidak pun cuma cuba apply sahaja. Tapi resultnya bergantung kepada underwriter yang buat assessment. Tapi kalau ikutkan pengalaman saya, mmg tak dapat laa...


Jadi, saya menyeru pembaca2 sekalian, sebelum ada apa2 penyakit, amik le medical card...paling basic pun tak pe. Sebabnya, kalau dah sakit, sanggup bayar lebih utk dapatkan coverage. Tapi company pulak declined...

So, selalu saya bagi analogi kepada orang yang saya jumpa atau share pasal insurance nie, mengenai PANADOL."Insurance bukan macam Panadol, sakit baru cari dan makan"...Insurance kena ada 2 syarat untuk memilikinya.

  1. DUIT

  2. KESIHATAN

Ada duit tapi tak sihat pun tak boleh. Sihat tapi tak de duit pun tak boleh. So, kena fikirkan budget masing2. Kena allocate sebahagian utk perlindungan Insurance. Kalau kita tak allocate, sure habis jugak.

So, itu sahaja untuk kali ini, sehingga berjumpa lagi Insyallah....

Sekiranya anda ingin mendapatkan sebarang nasihat kewangan atau insurance, bolehlah hubungi saya : 010 5205010 (kaharuddin)...tiada sebarang paksaan, penerangan percuma, terutamanya medical insurance

Pengertian Istilah Takaful

Istilah lain yang sering digunakan untuk Asuransi Syariah adalah Takaful. Kata Takaful berasal dari takafala-yatakafalu, yang secara etimologis berarti menjamin atau saling menanggung. Kata Takaful sebenarnya tidak dijumpai dalam Al-Qur’an. Namun, ada sejumlah kata yang seakar kata dengan Takaful, seperti dalam surah Thahaa ayat 40, “Idz tamsyi ukhtuka fataquulu haladullukum ‘ala mayyak fuluhu (ketika saudara wanita Musa bejalan lalu berkata kepada Fir’aun, ‘Bolehkah saya menunjukkan kepadamu orang yang memeliharanya.’) .” Pengertian memelihara manusia dalam hal ini adalah bayi Musa.

Yakfulu dapat juga diartikan menjamin, seperti dalam surah an-Nisaa ayat 85, “Waman yasyfa’ syafa’atan sayyiatan yakun lahuu kiflun minha (barangsiapa yang memberi syafaat (melindungi hak-hak orang dari kemudharatannya) yang buruk, niscaya ia akan memikul (risiko) bagian daripadanya).” Secara istilah, menurut KH. Latif Mukhtar, MA mungkin istilah Takaful berasal dari fikrah atau konsep Syekh Abu Zahra, seorang faqih di Mesir yang menulis buku t-Takaful al-ijtimaa’ifi al Islam (social security in Islam atau jaminan sosial dalam Islam).

Takaful dalam pengertian muamalah ialah saling memikul risiko di antara sesama orang sehingga antara satu dengan yang lainnya menjadi penanggung atas risiko yang lainnya. Saling pikul risiko ini dilakukan atas dasar saling menolong dalam kebaikan dengan cara masing-masing mengeluarkan dana tabarru”dana Ibadah, sumbangan, derma yang ditujukan untuk menanggung risiko. Takaful dalam pengertian ini sesuai dengan Al-Qur’an, “Dan tolong-menolonglah kamu dalam (mengerjakan) kebajikan dan takwa; dan jangan tolong-menolong dalam berbuat dosa dan pelanggaran.” (al- Maa’idah: 2).

Menurut Syekh Abu Zahra’, yang dimaksud dengan at-Takaful al Ijtima’i itu ialah bahwa setiap individu suatu masyarakat berada dalam jaminan atau tanggungan masyarakatnya. Setiap orang yang memiliki kemampuan menjadi penjamin dengan suatu kebajikan bagi setiap potensi kemanusiaan dalam masyarakat sejalan dengan pemeliharaan kemaslahatan individu. Yakni, dalam hal menolak yang merusak dan memelihara yang baik agar terhindar dari berhagai kendala pembangunan masyarakat yang dibangun di atas dasar-dasar yang benar. Ungkapan yang paling tepat untuk makna at-Takaful al Ijtima’i, kata Syekh Abu Zahra, ialah sabda Nabi saw.,

“Mukmin terhadap mukmin yang lain seperti bangunan memperkuat satu sama lain.”(HR Bukhari dan Muslim).

“Orang-orang mukmin dalam kecintaan dan kasih sayang mereka seperti satu badan. Apabila salah satu anggota badan itu menderita sakit, maka seluruh badan merasakannya.”(HR Bukhari dan Muslim).

Pelan Sarjana : Perbandingan



Pelan Takaful Mesra

* Menyediakan perlindungan berserta simpanan untuk masa hadapan dan persaraan.

MANFAAT ASAS

* Kematangan

* Keilatan Kekal Menyeluruh (sehingga umur 65 tahun sahaja)

* Kematian


PANDUAN PENGUNDERAITAN


Perkara


Tempoh/Jumlah Anggaran

Had Umur Layak


6 Bulan - 60 Tahun*

Tempoh Sijil


5 Tahun - 79 Tahun

Umur Matang Maksima


80 Tahun

Sumbangan Minimum


RM600.00 setahun

Lat Sumbangan


Tahunan, setengah, tahun, suku tahun dan bulanan

Perlindungan minimum


RM10,000.00

Jumlah Perlindungan Keseluruhan untuk juvana terhad hingga RM200,000.00 sahaja

(Pelan Asas + Rider Bertempoh)

* Tarikh Lahir Akan Datang

PEMBAYARAN MANFAAT KEMATANGAN

Jumlah Akaun Peserta Terkumpul

+Mudharabah dari Akaun Peserta (Jika ada)

+Lebihan dari Akaun Khas Peserta(Jika ada)

PEMBAYARAN MANFAAT KEILATAN KEKAL MENYELURUH


Tahun Pertama - 10% dari Amaun Perlindungan

+ Jumlah Akaun Peserta terkumpul

+ Mudharabah dari Akaun Peserta

Tahun Kedua - 10% dari Amaun Perlindungan

Tahun Ketiga - 10% dari Amaun Perlindungan

Tahun Keempat - 10% dari Amaun Perlindungan

Tahun Kelima - 60% dari Amaun Perlindungan

Penamatan Sijil

Pembayaran sumbangan dikecualikan sementara manfaat keilatan dilunaskan.

PEMBAYARAN MANFAAT KEMATIAN

Jumlah Amaun Perlindungan

+ Jumlah Akaun Peserta Terkumpul

+ Mudharabah dari Akaun Peserta

ALIRAN SUMBANGAN

TAHUN


AKAUN PESERTA


AKAUN KHAS PESERTA

1


0%


100%

2


10%


90%

3


50%


50%

4>


75%


25%

MUDHARABAH

80% Peserta

20% Etiqa Takaful

RIDER TAMBAHAN


Manfaat Kematian & Keilatan Akibat Kemalangan

Accidental Death & Disability Benefit (ADDB) - (6 bulan – 60 tahun)


Manfaat Indemniti Kemalangan

Accident Indemnity Rider (AIR) (18 – 55 tahun)


Manfaat Hospital

Hospital Benefit (HB) (6 bulan – 55 tahun)


Penyakit Kritikal

Critical Illness (CI) (18 – 55 tahun)


Rider Bertempoh

Term Rider (6 bulan – 60 tahun)


Manfaat Pengecualian Sumbangan Pembayar

Payor Waiver Benefit Rider


Takaful Medic Save Rider

Rider Takaful Medic Save (30hari – 59 tahun)

Pelan Sarjana : Pelan Pendidikan anak-anak anda

PENGERTIAN PELAN PENDIDIKAN SARJANA

  • Menyediakan tabung pendidikan kanak-kanak berserta perlindungan yang komprehensif untuk jangkamasa pertengahan dan panjang.

MANFAAT ASAS

  • Manfaat Matang
  • Manfaat Keilatan Kekal Menyeluruh
  • Manfaat Kematian
  • Pendahuluan Pendidikan (Pilihan)
  • Anugerah Intelek

PEMBAYARAN MANFAAT MATANG


  • Jumlah Akaun Peserta Terkumpul
  • + Mudharabah dari Akaun Peserta
  • +Lebihan dari Akaun Khas Peserta

PEMBAYARAN MANFAAT KEILATAN KEKAL


Tahun Pertama -20% dari Amaun Perlindungan

+Jumlah Akaun Peserta terkumpul

+Mudharabah dari Akaun Peserta


Tahun Kedua - 40% dari Amaun Perlindungan


Tahun Ketiga - 40% dari Amaun Perlindungan

Penamatan kontrak


Pembayaran sumbangan dikecualikan sementara manfaat keilatan dilunaskan.

PEMBAYARAN MANFAAT KEMATIAN

Jumlah Amaun Perlindungan

+ Jumlah Akaun Peserta Terkumpul

+ Mudharabah dari Akaun Peserta

PEMBAYARAN PENDAHULUAN PENDIDIKAN

  • Pendahuluan Pendidikan
  • >Sebahagian dari jumlah Akaun Peserta
  • > tahun sebelum kontrak matang

ANUGERAH INTELEK

Peringkat Kelulusan Anugerah

UPSR 5A RM 500.00

PMR 8A keatas RM 750.00

SPM 8A keatas RM1,000.00

STPM 5A keatas RM1,000.00

CIRI-CIRI PELAN


  • Ketika kontrak matang, kesemua jumlah akaun peserta dan lebihan akaun Khas Peserta beserta mudharabah akan di bayar.
  • Pelan ini menyediakan pendahuluan pendidikan tiga tahun sebelum tempoh matang.
  • Sekiranya berlaku kematian atau keilatan kekal menyeluruh, keseluruhan jumlah perlindungan dan jumlah akaun peserta akan dibayar.
  • Terdapat peruntukan bukan lucut hak melalui sumbangan automatik.
  • Tiada lien juvana.

PANDUAN PENGUNDERAITAN

Had Umur Layak - 14 hari - 17 Tahun*

Tempoh kontrak - 5 Tahun – 25 Tahun

Umur Matang - 13 - 25 Tahun (Pilihan)

Sumbangan Minimum - RM600.00 setahun

(pelan asas + top up rider)

Lat Sumbangan - Tahunan, setengah tahun,

suku tahun dan bulanan

Perlindungan minima - RM10,000.00


Jumlah Perlindungan Keseluruhan untuk juvana terhad hingga RM250,000 sahaja (Pelan Asas+Rider Bertempoh)


ALIRAN SUMBANGAN


TAHUN AKAUN PESERTA AKAUN KHAS PESERTA

1 0% 100%

2 10% 90%

3 50% 50%

4 > 75% 25%

MUDHARABAH

80% Peserta

20% Etiqa Takaful

MANFAAT CUKAI PENDAPATAN


PENGECUALIAN PEMBAYARAN CUKAI

Akta Cukai Pendapatan, 1976. Seksyen 49(1B) telah diperkenalkan mulai tahun taksiran 1996, untuk memberi potongan sejumlah yang tidak melebihi TIGA RIBU RINGGIT bagi premium yang dibayar bagi mana-mana insurans mengenai pendidikan dan manfaat perubatan atas nama individu, isteri individu atau anaknya.

Polisi pendidikan mengikut konteks Akta Cukai Pendapatan, 1976. Seksyen 49(1B)

Jika anak adalah orang yang diinsuranskan,

    • Manfaat pembayar adalah diwajibkan.
    • Tempoh rider mestilah sama dengan tempoh polisi asas.
    • Kesemua jumlah premium (polisi asas serta manfaat pembayar) dibenarkan sebagai potongan.
    • Sekiranya pembayar tidak layak mendapatkan manfaat pembayar (disebabkan risiko tinggi), premium yang dibayar untuk polisi asas tidak layak mendapat potongan.

RIDER TAMBAHAN

Rider Untuk Kanak-kanak


Rider Tambahan

Term Rider (6 bulan – 60 tahun)

Manfaat Kematian & Keilatan Akibat Kemalangan

Accidental Death & Disability Benefit (ADDB)

(Dewasa :18 – 60 Tahun) ;(Juvana : 6 Bulan – 17 Tahun)

Manfaat Hospital

Hospital Benefit (HB) (6 bulan – 55 tahun)

Rider Bertempoh

Term Rider (6 bulan – 60 tahun)

Rider Untuk Pembayar


Manfaat Pengecualian Sumbangan Pembayar

Payor Waiver Benefit (18 – 55 tahun)


Manfaat Kematian & Keilatan Akibat Kemalangan

Accidental Death & Disability Benefit (ADDB) - (6 bulan – 60 tahun)


Manfaat Indemniti Kemalangan

Accident Indemnity Rider (AIR) (18 – 55 tahun)


Manfaat Hospital

Hospital Benefit (HB) (6 bulan – 55 tahun)


Penyakit Kritikal

Critical Illness (CI) (18 – 55 tahun)


Rider Bertempoh

Term Rider (6 bulan – 60 tahun)


Manfaat Pendapatan Keluarga

Family Income Benefit (FIB)