睁开眼睛，又是新的一天
把昨天的烦恼抛后，再回味甜蜜时刻
我笑笑，迎接这一天
29/2， 四年才有的一天
有着不同的意义
意味着不容易，告诉我们要珍惜
我把今天，发挥至极
好当我回首这一天
它会是意义重大
把昨天的烦恼抛后，再回味甜蜜时刻
我笑笑，迎接这一天
29/2， 四年才有的一天
有着不同的意义
意味着不容易，告诉我们要珍惜
我把今天，发挥至极
好当我回首这一天
它会是意义重大
Wednesday, February 29, 2012
Saturday, February 25, 2012
Accident
Yesterday, while I having my lunch appointment at Bandar Puteri Puchong, then I receive a call from YK, says that IOI Boulevard is so crowded now because of an accident. He told me that there's a sign board fall from the sky, and it hit a car. Wow !
I imagine that's just a small billboard or smth similar fall from the rooftop.. Guess what, on my way going back office, I saw this -->
There used to be our hot spot for parking, cause there's where our office located at. Everyone were so shock of this accident.
According to them, this huge billboard fall from the rooftop of our VKA office.. Oh god!
Here you go, the view from my office, and the billboard fall 50 degree to that car ... That's amazing isn't ? @@
Look, accident can happen anytime, anywhere without you knowing. We glad that there's no one inside the car and no one around there, or else it will be really sad case.
Thank god, that wasn't me. I got very strong impact from this accident, and to all of you, please be careful at all time.
Back to reality, are you under protection by insurance ?? I know it's cruel but that's the fact.
I imagine that's just a small billboard or smth similar fall from the rooftop.. Guess what, on my way going back office, I saw this -->
God damn it ! This is not a small case man ! Gan Jiong !!
My car parked just few car away from it. I'm so lucky that my car didn't get involved, yet I pity the owner of Kenari .. and lucky YK as well, his car parked the other direction of it, only get hurt by those cotton which will not cause serious damage.There used to be our hot spot for parking, cause there's where our office located at. Everyone were so shock of this accident.
According to them, this huge billboard fall from the rooftop of our VKA office.. Oh god!
Total lost !! Nothing much to say :(
Look, accident can happen anytime, anywhere without you knowing. We glad that there's no one inside the car and no one around there, or else it will be really sad case.
Thank god, that wasn't me. I got very strong impact from this accident, and to all of you, please be careful at all time.
Back to reality, are you under protection by insurance ?? I know it's cruel but that's the fact.
Wednesday, February 22, 2012
求人不如求己
“求人不如求己”，这句话一点都不陌生.. 不晓得，在你身上有没有发生过类似的问题.. 要是其中参与到钱，更是为难...
以下有一篇文章，关于个人的保障.. 看一看，你是不是完全被保护着 ？
以下有一篇文章，关于个人的保障.. 看一看，你是不是完全被保护着 ？
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綜合專家意見，現代人至少要有6項保險保障，才算是最完整的保障，即傷殘收入保險、嚴重疾病保險、完全及永久傷殘保險、個人意外保險、人壽保險及醫療保險。
1.傷殘收入保險（Disability-Income Insurance）
試想想如果患病或受傷無法繼續工作，基本生活費怎么辦？
受保人可在現有壽險中，加入一項名為傷殘收入保險的附加保障（Riders）。
舉例，在壽險加入每年保額為3萬6000令吉的傷殘收入保險附加保障，一旦發生意外不能工作，就可每年獲得保險公司支付3萬6000令吉收入，直到該項附加保障屆滿為止。
2.嚴重疾病保險（Critical Illnesses Insurance）
患上嚴重疾病如末期癌症的病患，抗癌是一條漫長的路，也能耗盡一生積蓄。
此保障是一旦被證實患上受保的嚴重疾病，保險公司就會一次過賠償總保額，讓受保人在患病失去工作能力期間，支付醫療及生活費用。
3.完全及永久傷殘（Total Permanent Disability Cover）
當一個受保人最少6個月因傷殘無法再工作，就會被歸類為完全及永久傷殘，並會被支付一次過的賠償。
但如果在完全及永久性傷殘解釋中出現特別注明的不保條款（Exclusion Clause），受保人就必須注意，因為在大馬有很多保險公司是沒有保障部分傷殘（Partial Disability）的。
這些保險公司只會在當一個人被證實完全及永久傷殘並失去工作能力后，才會作出賠償。
4.個人意外保險（Personal Accident Policy）
個人意外保險非常重要，保障受保人因意外所造成的傷害，部分保單還支付受保人住院及因傷而無法工作期間的現金補助金。
在購買個人意外保險時，受保人必須確保保單附有每週補償利益（Weekly Indemnity Benefit），以便在短期內無法工作時補償收入損失。
其他必備的利益尚有意外死亡及肢殘賠償，及意外醫療保險（包括門診及住院治療賠償）。
5.人壽保險（Life Insurance）
以個人現況、現有及未來債務、家人生活開銷及相關責任計算在內，就可以大略估算出一個人的壽險所需保額。
舉例家人每年開銷5萬令吉、葬禮費2.5萬令吉、1.5萬令吉用于支付遺囑認證及執行人之費用，每年通脹率3.85%，再假設受保人想供養家人45年，那么此人的壽險保額所需就是130萬令吉。”
當然受保人可選擇終身人壽保險、定期人壽保險或投資聯結型保險。
6.醫療保險（Medical Card）
醫藥費每年都在以6%增幅漲價，且可能在12年內倍增。
很多人會認為購買醫療保險及醫藥卡很不划算，因為如果沒使用，保險費就是“白繳”。
有了一張醫藥卡，入院時就可為受保人支付一切相關醫療費用，如病房、深切治療病房、手術費等（但必須確保受保範圍及限額），那么每月流動現金才不會受影響。
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