Semenjak pengumuman KPM berkaitan keanikan pangkat sebilangan gerd DG dan DGA untuk diserap ke dalam DG42, banyak persoalan dan isu yang timbul. Ini ditambah pula dengan spekulasi yang disebar individu tidak bertanggungjawab, menyebabkan ramai penjawat awam bertambah bingung lantas menuduh KPM dengan pelbagai tuduhan.

Berikut merupakan Penjelasan lanjut berkenaan isu DG42. Diharap maklumat ini akan dapat merungkai segala kemuskilan.

1. Bermula 1 Januari 2014, semua perlantikan ke PPPS utk guru2 gred DG29/32/34/38 akan diambil alih oleh BPSM. Tiada lagi lantikan oleh SPP. (Sekolah Rendah & Menengah)

2. Lantikan gred DG42 adalah hanya utk guru (DG29/32/34/38) yang telah selesai mengambil degree tetapi masih belum memohon ke DG41.

2. Guru yang telah ditemuduga atau telah dilantik ke DG41 tidak akan dilayan atau diproses permohonan ke DG42.

3. Untuk pegawai PKG gred DG29/32/34 yg telah habis belajar wajib mohon ke DG42 jika masih belum mohon ke DG41 dan akan dilantik sebagai 'kenaikkan pangkat'serta akan ditempatkan pada tempat kerja semasa sebagai DG42(

4. Sila rujuk Pekeliling Perkhidmatan Bilangan 40 Tahun 2013 - Penggabungan Skim Perkhidmatan PPPS dan PPLD.

Semoga info ini dpt menangani isu DG42. Makluman dlm surat pekeliling dan surat siaran tiada makluman diberikan seperti diatas.

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.

The Top 10 Most Expensive Keywords are:

Insurance, Loans, Mortgage, Attorney, Credit, Lawyer, Donate, Degree, Hosting, Claim

You’ll notice that these top ten most expensive AdWords keywords deal primarily with financing and industries that manage vast sums of money. The fact that the educational keyword “degree” is one of the top ten most expensive Google keywords, right up with lawyers and credit, reminds us of the growing cost of education. 

The next ten most expensive keywords complete our total list, resulting the top 20 most expensive AdWords keywords:

Conference Call, Trading, Software, Recovery, Transfer, Gas/Electricity, Classes, Rehab, Treatment, Cord Blood 

There you have it – the highest cost keywords. If you are considering entering into one of these industries, be ready to pay high cost per click rates for the top keywords. While some may start treatment facilities for the greater good, be aware that you’ll wind up in one of the most expensive niche groups, and your paid search marketing wallet will suffer from those high CPCs.

The most expensive SEM keywords may be frustrating for those in the industries, but they are the best keywords for Google, who makes 97% of revenue from advertising on Google sites (AdWords, AdSense). In the last four quarters, the biggest player of search engine history brought in $32.2 billion in total advertising revenue.

Below is a list of the top 10 best life insurance companies in the world. Japan Post Insurance is the largest life insurance company in the world as measured by assets. The company was established on September 1, 2006 and is wholly-owned by Japan Post Holdings. AXA is the second largest life insurance company in the world and largest in Europe. AXA is a French global insurance group, which serves over 95 million customers in 61 countries worldwide. Allianz, founded in 1891, is the third largest life insurance company with 60 million customers in 70 countries.


1. Japan Post Insurance (Japan)
     http://www.japanpost.jp

2. AXA (France)
    http://www.axa.com

3. Allianz (Germany)
     www.allianz.com

4. MetLife (USA)
     https://www.metlife.com

5. Prudential Financial (USA)
     www.prudential.com

6. Nippon Life Insurance Company (Japan)
     www.nissay.co.jp

7. Assicurazioni Generali (Italy)
     http://www.generali.com

8. Legal & General Group (UK)
     www.legalandgeneral.com

9. American International Group (USA)
     www.aig.com

10. Aviva (UK)
      www.aviva.com