Makluman Kepada Guru (APDM)

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http://apdm.moe.gov.my/

Administrator APDM sekolah perlu terlebih dahulu mengemaskini maklumat semua guru kelas(JANGAN PADAM KELAS!!) dan pembantu tadbir (PT) untuk sesi persekolahan 2014 berserta MBMMBI, aliran dan sesi pagi / petang kelas tersebut.

Enrolmen dan maklumat murid bagi sesi persekolahan 2014 perlu dikemaskini untuk keperluan terkini sebelum 15 JANUARI 2014. 

Mohon pengemaskinian maklumat ibu/bapa/penjaga untuk permohonan Bantuan/Biasiswa (sila beri keutamaan kepada permohonan baru) sebelum 1 April 2014.

PERHATIAN

Mohon masukkan maklumat murid pendidikan khas mengikut buku rekod daftar murid sekolah masing-masing(pilihan Tingkatan / Tahun ATAU kelas khas rendah/ kelas khas menengah). Sila pastikan murid ini di tanda sebagai OKU pada tab murid (login guru kelas) dan masukkan no pendaftaran OKU murid untuk keperluan urusan dan bantuan pendidikan khas.

Aplikasi akan di tutup setiap hari pada pukul 12:00 AM hingga 12:15 AM Setiap hari bagi tujuan penyelenggaraan

When scouting around for a life insurance company, there are few things you must think through before closing the contract. The most important service that every insurance company must provide is protection. After all, this is what insurance coverage is about – to protect the insured person and his beneficiaries from financial inconvenience should something untoward such as death happens to the policyholder. Here are the chief points that one should look for when availing of life insurance coverage.

Type of policy benefits
Make sure you read the fine-printed terms that accompany your insurance plan. Find out if your policy benefits are fixed, universal or flexible. Since each policyholder has different needs, choose a plan that allows adjustments to fit your future requirements.

Premium fees
Payment rates vary with different insurance companies. However the common bases in determining the fees for any type of life insurance are age, occupation, health and lifestyle.

More Perks
Most insurance plans come with perks or incentives such as retirement benefits, mutual fund benefits, estate planning and so on. Once again, more stable insurance agencies are the ones that provide additional services along with the existing policies of their clients.

Customer Support
This is one of the most important factors to be considered when buying an insurance policy. Make sure your insurance company will not leave you in midair after you have purchased a policy from them.

Prompt Awarding of Claims
What good is an insurance company if it cannot give the due payment to the beneficiaries at the time when they need it most? Delay in awarding of claims is a big no-no. Verify from your insurance agent if they can deliver the claims to your family at a given time frame.

It is not an easy task to rank and classify various whole life insurance companies. This is because each agency has its distinction, which is unique on its own. Nonetheless, here are top whole life insurance companies that have made an outstanding mark in the industry in the global scene with their total assets as primary consideration.

Japan Post Insurance
Based in Japan, this company is nearing its trillion U.S. dollar total assets as of the second quarter of 2011. Its market caps are not indicated but its assets are expected to grow more as economy in the Asian climate is facing good projections.

AXA of France
This insurance group is one of the biggest in Europe and enjoys a total asset of 945.571 billion U.S. dollars as of March 2011 and boasts of a market cap of 39.017 billion U.S. dollars by March 31, 2012.

Allianz in Germany
It might be surprising, but Germany is also one of the frontrunners in the insurance business. Its assets is indicated to have reached 830.804 billion U.S. dollars while its market cap as of March 31, 2012 is now 54.245 US$ billion.

MetLife in the U.S.
Not to be outdone by insurance companies in Asia and Europe, MetLife, which is based in the United States, enjoys its US$799.625 billion total assets as of 2011 and US$39.719 billion market cap as of 2012.

Nippon Life Insurance Company
This is another top company in Japan that has accumulated US$649.402 billion total assets which is indicative of its strength in the global insurance market.

Prudential Financial
Another US based agency, Prudential Financial is very much alive with its US$624.521 billion total assets and US$29 billion market cap in 2011 and 2012 respectively.

Zenkyoren (JA-Kyosairen) Japan
If the success of insurance companies is an indication that Japan enjoys a tiger economy, then this impression must be true as Zenkyoren is another top insurer in the list with total assets of US$581.492 billion in mid 2011.

American International Group (AIG)
Side by side with Japan, the US is likewise a huge pioneer in providing insurance services. AIG marked its total assets of US$555.773 billion and US$58.480 billion market cap in two successive years back in 2011 and 2012.

Generali Italy
Generali has been recorded to have total assets of US$547.924 billion and market cap of US$24.132 in the past two years, placing it among the other top contenders in the industry.

Legal & General
Another UK based insurance group, Legal & General has an estimated US$507.935 billion total assets and US$11,933 billion market cap in 2011 and 2012 successively. It is predicted to soar even higher in the next years to come as more Europeans are becoming more aware of the benefits of insurance protection.

These top 10 whole life insurance companies that are enumerated here are indeed among the best when their assets and market performance are considered. However it must not be forgotten too that there are other companies out there, which may be smaller but are just equally excellent.

They're not secrets. The more you know about how insurance works, the more you'll be able to save off your premiums. Follow these simple tips and you'll not only become a more informed consumer, but you'll have everything you need to know to maximise your savings.

1. Get a quote & apply online

Auto insurance coverage may be standard throughout your province, but insurance premiums are another story. Coverage from one company to the next can vary by hundreds, if not thousands of dollars. The only way to make sure you are getting the best base price for your policy is to compare, compare, compare.

2. Make sure all your cars are on the same policy

We offer a "Multi-vehicle discount" for customers who insure more than one car on the same policy. This can bring you savings of up to 10 per cent off both cars.

3. Insure both your car and home with the same company

Again, this will qualify you for a discount called the "Multi-line discount". We offer this savings as an incentive to get your property insurance business too. It's all perfectly legal and it's a great way to get another five per cent off your premiums.

4. Increase your deductibles

In a nutshell, the higher your deductibles, the lower your insurance premiums. Insurance was really meant to cover you for damages you could never afford on your own. If you can afford a $1,000 repair job, then raise your deductibles to $1,000 and pay less for your insurance.

5. Older car? Think about dropping your collision coverage

If your car is getting up there in age, you may want to think about dropping the collision coverage on your policy. You need to think about this one though - it's not always a clear-cut decision. You need to weigh the cost of the collision coverage with the value of your car and your chosen deductibles. For example, if you had a 10-year-old car that was worth about $1,000, and your deductible was $1,000, that collision coverage is not going to be worth a hoot.

6. Drive carefully

Your driving record is one of the most influential factors in determining your insurance rate. Tickets affect your insurance rates for up to three years and accidents stay on your record for at least six! With a bad driving record, you can find yourself paying a lot of extra premium over the years.

7. Drive a "low-risk" car

Insurance rates for cars are based on the previous claims history for that vehicle. The more likely a car is to be stolen or in an accident, the more you pay for insurance. If you are buying a new car, check with the Vehicle Information Centre of Canada or compare quotes to see how your dream-car rates. This may influence your purchase.

8. Don't drive to work

The more you are on the road, the higher your chances of getting in an accident. Insurance rates are higher for people who commute to work. So taking the bus or sharing a ride will not only help you save on parking and gas, but will help lower your insurance premiums.

9. New driver? Take a driver's training course

Licenced drivers who have completed an approved drivers training course in the last 3 years pay lower premiums. Safer drivers pay lower insurance rates.

10. Have an anti-theft device installed in your car

We recognise your car is less likely to be stolen if you have an anti-theft device installed in your vehicle. Check to see if your company offers this "Alarm or anti-theft discount" and consider if the price of the device is worth the added savings over the years. If you already have an approved, factory-installed alarm in your car, we will take this into account when determining your rate.