Jawatan Kosong Polis DiRaja Malaysia (PDRM) - Terbuka 2014 / 2015

Pemohon hendaklah daripada warganegara Malaysia untuk mengisi kekosongan bagi jawatan di dalam Polis DiRaja Malaysia (PDRM) Terbuka 2014 & 2015 ini :

Jawatan Kosong di Polis DiRaja Malaysia (PDRM) Terbuka 2014 / 2015 :

1. Inspektor (Lelaki/Wanita)
2. Sarjan (Lelaki/Wanita)
3. Konstabel (Lelaki/Wanita)
4. Konstabel sokongan (Lelaki/Wanita)
5. Konstabel Orang Asli (Lelaki) (terbaru)

*Permohonan adalah menggunakan Borang Pendaftaran Pekerjaan di Sektor Awam (SPA8i)

Tarikh tutup permohonan : Terbuka 2014 / 2015
Lokasi : Seluruh Malaysia
Sektor : Kerajaan

*Maklumat lanjut, hubungi talian : 03-2266 8350 / 8344 / 8347. (Unit Pengambilan PDRM)
Tags: 2014, 2015, jawatan kosong pdrm, jawatan kosong polis, jawatan polis, kerajaan, malaysia, pdrm, terbuka 2014

Makluman Kepada Guru (APDM)

SILA KLIK DI SINI

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

The other day my friend and I we talk about Insurance. His idea of guide to life insurance. I am not 100% agree to his idea.   

His simple guide to life insurance.

Life insurance is an insurance. It is used to protect against of the risk of lost of income. For example, let's say A is the bread winner of the family. If something happen to A ( for example die in an accident), you will not longer have income from A. The family still need to survive. Life insurance can provide/replace some portion of the income so that the family still can survive. In some circumstances, A will suffer some form of disability and can no longer work, life insurance provide some compensation to help the family to survive too. Please noted that in Malaysia, the protection against disability is limited to what is specified in the policy. In advanced countries like USA, they have disability insurance that pays as long as you cannot work regardless whatever the cause is. This kind of disability insurance does not exist in Malaysia. In summary, life insurance is used to protect against the loss of income and disability.

So, does life insurance makes sense to you??

1) Do you have dependents?

A) If you are single and have no dependent, it really does not make much sense to buy life insurance.

B) If something happen to me, I would like to leave something for my parents. Is your parent depend on your income for survival?? If answer is no, why buy life insurance?? If you want leave something for your

parent, why not give your parent the money now?? Save the money from insurance premium and give to your parent now every month.

2) If you are home maker and makes no income, why buy life insurance??

3) If you are married and your family depend on you to provide income, in general, you should buy life insurance.

4) However, it may NOT be worthwhile for you to buy life insurance if you have a lot of savings (more than 200K). In general, life insurance in Malaysia get very expensive for payment greater than 200K.

All my comments does not necessary apply to medical insurance. Do your own research to find out what is right for you. If your insurance agent cannot explain to you why you should buy life insurance, why are you buying??

The very complicated and complex thing about insurance in Malaysia is that we do not have pure term life insurance. All insurance product in Malaysia is normally a combination of life insurance, disability protection and medical protection. In most cases, unless your insurance agent is good and you do a lot of research, you really have little or no idea what you are buying. I am not qualify to tell you what you should buy and how much to buy in each circumstances.

The bottom line is you need to know is

1) what are you protect against??

Life, disability, medical

2) What is the likelihood for each risk at your age??

3) What is the cost for each option??

4) What is the maximum pay and deductible in each situation??

Insurance is used to protect against the situation where you do not have enough resources to cover. You need to buy just enough so that when the bad thing happen, you are covered. Buy, you should NOT buy so much that it costs too much to you.

Do you know that nearly 90% of Malaysians are clueless on the types of policies they have bought over the years. They have been paying for the policies with assumption that it will pay them in full no matter what their claims are without understanding the underlying limitations! And most of them not even know what are they paying for. Common reason of Malaysian buying policies is mainly because the agent is their friends, family etc. and some even bought the policy based on the branding and marketing "claims" that it's the No.1 insurance company in Malaysia. Please be noted that branding of the insurance company won't help you at all! What matters the most is in your policy documents! Most people won't even bother to read the term and condition clearly but just blindly listen to the agent! Different medical plans in Malaysia have different limitation! There's no such thing as all medical insurance are the same!!

If you already have policies, please get them reviewed and I promise you will get the shock of your life!!! Make a choice to understand the limitations of your policies before its too late! Don't just sit and get quotation thru email for comparison in premium cost and investment return but sit down with financial advisor who can help you and assist you in choosing the best medical plan based on your needs, budget and how to avoid costly mistakes.

The most crucial aspect of claiming is what documented in your policy document, you need to understand the fine prints, black and white! You need to know how to avoid and save yourself from burning ship before its too late! Because health changes overnight!!!

An experienced agent would have done many hospitalisation claims for his/her clients over the years. Through the experience, one can tell what it gonna work for you & what can be the biggest financial cost of your life!! 

If you have a choice to choose:

1. Which one is the smarter choice?

A) Company A pays 90% of your Medical Bills- 10% Co Insurance borne by policy holder

B) Company B pays 100% of your Medical Bills fully

2) Are you aware of the difference between Inpatient Hospitalization & Outpatient Treatment in your policy? Why is it separated in your Medical Schedule of Benefits?

3) What are the limitations in your policy Vs the Actual Cost of Hospital Bills in Malaysia

Actuaries are highly trained individuals with such intelligence to determine the risk factor before getting a plan approved by Bank Negara. Do not just take the word of an agent verbally, but always look at the fine prints black&white, and the Cost of Insurance chart in the policy documents- understand the pros and cons clearly before you make any Costly Mistakes especially during Hospital Claim!

**Please take note- this is mainly to create awareness for Malaysians to Make A Smart decision before its too late!!

TOP 10 GENERAL INSURANCE

Kurnia Insurans (Malaysia) Berhad

Kurnia Insurans has grown to become one of the leading general insurers in the country and region. A part from having a well-recognised brand, a solid foot holdin the motor insurance sector and gross premiums exceeding the RM1 billionmark, Kurnia Insurans also features an impressive network which consists of a workforce of 1,200 employees and 30 branches across Malaysia. The company also runs operations in neighbouring Thailand and Indonesia.

Allianz General Insurance Company (Malaysia)

Berhad Allianz General Insurance Company (Malaysia) Berhad (“Allianz General”) is the leading general insurer in Malaysia and has a broad spectrum of services in personal lines; small to medium enterprise business and large industrial risks. Allianz General recorded RM852.5million in GWP for the first six months of 2012. This is an increase by 14.2% as compared to RM746.7 million in 2011.

Etiqa Insurance Berhad

Etiqa Insurance Berhad was the result of the merger between Malaysia National Insurance (MNI) Berhad and Takaful Nasional Sdn Berhad.Functioning as the insurance and Takaful arm of Maybank Group. Etiqa Insurance Berhad today is the longest Takaful operator in Malaysia with a 2,000-strong employee force and is a true multi-channel distributor of insurance and Takaful products via its 23,000 agency force, 30 Insurance and Takaful branches, more than 450 Maybank branches, ATMs andother third-party banks, providing full accessibility and total convenience to customers

MSIG Insurance (Malaysia) Berhad

MSIG, a member of MS&AD Insurance Group is a subsidiary of Mitsui Sumitomo Insurance Group.MSIG has become one of the largest general insurers in Malaysia with a nationwide network of 20 branches. It has a multi-channel distribution network established in partnerships with agents,brokers, motor franchise, local and Japanese corporate clients as well as partnership programmes with financial institutions.

Chartis Malaysia Insurance Berhad

Chartis Malaysia Insurance Berhad’s presence in Malaysia can be traced back to the 1920 in Kuala Lumpur and it became a locally incorporated Malaysian insurance company in 2008. Today, the company provides its services to businesses and individuals via its 16 offices nationwide making use of a network of more than 3,000 professional agents, brokers and staff. It is part of the Chartis Group, one of the world’s leading general insurers that serves more than 70 million clients worldwide and has one of the industry’s most extensive range of products and services, deep claims expertise and excellent financial strength.

Berjaya Sompo Insurance

Berhad Berjaya Sompo Insurance Berhad,previously known as Berjaya General Insurance Berhad, beganits operations in Malaysia in 1974. It became known as Berjaya Sompo Insurance Berhad after Sompo Japan Insurance Inc – Japan’ssecond largest insurance company– purchased a 30% equity stake inthe company from Berjaya Capital Berhad. Sompo Japan Insurance Inc has 41 offices and subsidiaries in 27 countries. Currently, Berjaya Sompo has a network of 22 offices in Malaysia providing a wealth of experience and expertise to policyholders.

Uni.Asia General Insurance Berhad

Uni.Asia General Insurance Berhad was the brainchild of a strategic partnership between DRB-HICOM Berhad and United Overseas Bank Group. DRB-HICOM is one of the largest integrated groups in Malaysia and has contributed significantly to the region’s industrialisation.The United Overseas Bank (UOB) Group was founded in 1935 and United Overseas Bank (Malaysia)Berhad was incorporated in 1993.It is a subsidiary of United Overseas Bank Limited (UOB), a leading bankin Singapore with an international network comprising 385 offices in18 countries and territories in Asia Pacific, Western Europe and North America. It is their mission to see Uni.Asia General grow into a leading force in the general insurance industry.

AmG Insurance Berhad

Formerly part of the composite insurance (life and general) operation of AmBank Group, AmG Insurance Berhad is a general insurer which carries the Am Assurance brand. It leverages on an extensive distribution network which consists of the AmBank Group’s 190 bank branches, 19 AmAssurance branches plus 2,900 agents who provide the services forthe insurer’s one million policy holders.

MCIS Zurich Insurance Berhad

The merger between MCIS Insurance and Zurich Malaysia a decade ago culminated in a strategic and synergic amal gamation that is complemented by decades of local knowledge and strong global links. Currently, MCIS Zurich boasts a total of 400,000 policy holders in the country and has assets in excess of RM3 billion with a solid record for good corporate governance.

AXA Affin General Insurance Berhad

Born of a joint venture between AXA Group and Affin Holdings Berhad – the former being a long-serving leader in the local finance services industry – AXA Affin General Insurance Berhad has earned its keep as one of Malaysia’s most profitable insurance providers. The company employs 3,000 agents and 700 employees, spread across 21 branches nationwide to serve its 300,000 policy holders. It also provides services in formulating comprehensive plans specially designed for SME businesses as well as providing insurance services in specialist fields such as Marine and Trade Credit Insurance.

Insurance companies have been operating in the country for decades,serving the needs of all and sundry. Top 10 of Malaysia looks at some of the country’s leading life and general insurers (presented in no particular order).


LIFE INSURANCE

Great Eastern Life Assurance (Malaysia) Berhad

The company’s tagline, ‘Life is Great!’ aptly reflects its ambition for continuous growth. Great Eastern currently employs more than 21,000 agents and has 21 operational branches in the country alone. Today, Great Eastern benefits from a wide network across South-East Asia – one which covers neighbouring countries: Singapore, Brunei and Indonesia as well as China and Vietnam. It is also the largest life insurance company in Singapore.

American International Assurance (AIA) Berhad

AIA Berhad is the largest independent listed pan-Asia life insurance group in the world. In Malaysia, the insurer boasts a network of 23 branches and markets a portfolio of life insurance products via a multi-distribution system.

Allianz Life Insurance Malaysia Berhad

Allianz Life Insurance Malaysia Berhad (Allianz Life) offers a comprehensive range of life and health insurance and investment-linked products. Allianz Life has been recorded as one of the fastest growing life insurers in Malaysia and continues to show strong growth with RM621.6 million in GWP for the first six months of 2012, increasing by 12.5% since last year.

Prudential Assurance Malaysia Berhad

Prudential Assurance Malaysia Berhad (PAMB) is part of Prudential plc of the United Kingdom and was established in Malaysia in 1924.Currently it has the backing of some1,300 employees and over 13,000 agents and wealth planners to offer its full range of financial solutions through 43 branches nationwide

Mayban Life Assurance Berhad

Mayban Life Assurance Berhad(Mayban Life) is the life insurance subsidiary of Maybank which started operations in 1993. The absence of an agency force sets Mayban Life apart from the rest. Its products are not distributed by life agents,but by trained specialists located in Maybank branches throughout Malaysia. Mayban Life customises its life insurance schemes exclusively for Malaysians from all walks of life and that incudes financial planning for children’s education, retirement,protection and investment schemes.

Tokio Marine Life Insurance Malaysia Berhad

Tokio Marine Life is the preferred life insurer with over 130 years of global experience and over 60 years of local presence in delivering solid propositions to their customers through its products and services.Tokio Marine Life is a member of Tokio Marine and Nichido Fire Insurance Co., Ltd, the oldest and largest non-life insurance company in Japan with more than17,000 employees, 46,000 agents and operates in 446 cities over 39 countries* worldwide. It is has a credit rating** of AA- by Standard & Poor’s, Aa3 by Moody’s and A++ by A.M. Best.

Zurich Insurance Malaysia Berhad

Zurich Insurance Malaysia Berhad was born when Zurich Insurance Group acquired Malaysian Assurance Alliance Berhad from MAA Holdings in 2011. Acquiring a wealth of talent, the company is powered by an employee base of more than 1,000 people, excluding 4,500 life agents and 3,000 general insurance agents.

Manulife Malaysia

Manulife Malaysia has long enjoyed a presence in Malaysia,albeit under different names.Having first been established as a branch of Bahamas-based British American Insurance Co, it went on to become British American(Malaysia) Insurance Berhad and later, John Hancock Life Insurance Berhad before becoming Manulife Malaysia as it is known today.Currently, the company serves its customers through its 1,900 agents and 50 branches spread across the Peninsular and East Malaysia.

Hong Leong Assurance Berhad

Hong Leong Assurance Berhad (HLA) has been operating in Malaysia as a general insurance company under the name, Malaysia Pacific Insurance Berhad in 1972 but only added the life insurance business into its range of products and services a year later. HLA today is one of Malaysia’s leading domestic brands for financial planning and protection solutions, specialising in Life Insurance products and services