Bgaimana kita tertipu dgn skim cepat kaya? Ini contohnya.

Fahami baik-baik. Ilmu ini perlu kita tahu agar ianya tidak berlaku untuk kedua kalinya atau terjebak dgn para suspek penipuan mana2 skim cepat kaya...

1. Saya mempunyai modal cash sebanyak RM100,000.
Saya buka satu syarikat/skim yg ada tawar 3 pakej pelaburan kepada org ramai:
A. Gold - RM400
B. Platinium - RM4,000
C. Diamond - RM40,000

2. Untuk early stage bukan mudah untuk menarik pelabur, stage pertama adalah strategy untuk menjadi 'trusted'. Pada permulaan ramai orang ragu2 dan takut ditipu tapi nak tahu. Kebanyakan org ramai yang suka mencuba akan letakkan pakej yg paling minima iaitu Gold - RM400.

Pakej Gold ini dijanjikan akan dibayar RM100 sebulan selama 3 bulan,
dan pelaburan ini akan matang pada bulan ke-4, dan mereka mempunyai pilihan untuk mendapat RM800 (keuntungan) dan pakej akan segera ditamatkan. Contohnya 1000 org masuk,
total collection yg saya dapat adalah sebanyak RM400,000.Duit ini cukup digunakan untuk membayar habuan bulanan pelabur selama 4 bulan.

Duit modal Saya RM100,000 digunakan utk membayar sebahagian kecil mereka yang stop pada bulan ke 4. Kalau 100 org stop saya kena keluar RM800 x 100 = RM80,000. Apa ada hal keluar sikit modal saya, janji saya dapatkan trusted mereka.
Tengok nanti bagaimana saya ‘makan' duit mereka balik.

3. Psikologi emosi dimainkan waktu ini dimana pelabur akan menjadi tamak sebab dengan hanya menunggu lagi 5 bulan mereka akan mendapat RM3600 disamping RM100 bulanan. Kebanyakan mereka tidak akan stop pada bulan ke 4 tersebut kerana mereka menanti habuan yang lebih lumayan di hadapan. Maka mereka mengambil pilihan teruskan habuan bulanan RM100.

4. Pada bulan keempat tersebut pelabur2 sudah termakan 'trusted' dgn dana tersebut disamping sebahagian kecil yang stop dan dapat RM800 tersebut menjadi bukti kononnya skim itu adalah sangat 'trusted'.

5. Waktu ini kepercayaan terhadap skim ini akan menebal. Maka berbondong-bondonglah diajak keluarga, rakan office,
sahabat handai, oang kampung melabur bersama kerana taksub dgn keyakinan tersebut.Diajak joint venture, kumpul modal ramai-ramai dan melabur.

6. Make it short. Contoh 1000 org tadi yg sangat yakin dan dipukau dengan 'Trusted Scheme' upgrade kepada pakej Diamond - RM40,000. Duit tu mungkin dari joint venture, kumpul duit orang,
personal loan, jual harta, pinjam 'Along'. RM40,000 x 1000 = RM40,000,000.

7. Senangnya saya nak dapatkan RM40,000,000 (Rm40 juta!) dgn hanya membayar nilai lakonan 'Trusted'. Bila dah dapat duit, masa ni saya dah boleh istihar macam2 kepada pelabur2 saya.
Paling senang kena rompak, kena tipu atau pecah amanah (tuduh sesiapa dalam syarikat dan jadikan kambing hitam).

Dan saya tak mampu pulangkan modal pelaburan tersebut kepada pelabur2.
Utk meredakan amarah pelabur saya,
Saya minta tempoh 6 bulan utk selesaikan & recovery, cukup 6 bulan Saya minta extent Lagi 6 bulan. Lama kelamaan mereka putus harap dan pasrah duit mereka telah hangus (disini saya akan mainkan sentimen agama sikit spt rezeki itu Allah yg tentukan). Mereka akan lupa hari demi hari.

Jika anda rasa penulisan ini memberi kesedaran dan manfaat kpd anda,
haruslah di “kongsikan” bersama orang lain agar ianya tersebar luas dan dapat manfaat bersama.

Hati2 di luar sana yang gemar skim cepat kaya macam ini. Sayangilah duit anda.

Now that you know what kind of car insurance you need, it’s time to do a little more legwork to get a good deal.

Certain factors that affect your car insurance rates are largely beyond your control. These include basic demographics such as your age, gender, marital status, location, and job. But other factors, including what and how you drive, are easier to change. And everyone can comparison shop, exploit discounts, and consider bundling policies to find the cheapest car insurance companies, too.

Tip #1: Shop around

It’s a no-brainer, but it always pays to shop around for cheaper car insurance. Instead of wasting time making endless phone calls or filling out the same information on dozens of websites, save time by using an online quote tool. Online quote tools help you get a quick snapshot of potential rates from several auto-insurance companies at once.

The results of your search can surprise you. Don’t assume a certain provider will be the cheapest car insurance company because it was the case for your family or friends. So many factors affect your rate that you’ll never know which company will come out on top until you compare apples to apples. Use the tool below to start your search. Not every company will appear using our quote tool. GEICO, in particular, only quotes prices via its own website.

Tip #2: Bundle policies

Many car insurance companies will give you a discount if you have other policies with them. For instance, you may get a break on car insurance if you use the same provider for life, home, or renter’s policies. Bundled policies are convenient, too; you’ll be dealing with only one bill and one company.

A note of caution: Don’t automatically assume bundles will save you money. Companies that offer only auto insurance may offer compelling discounts to keep your business. Sometimes that means you get cheaper car insurance if you keep policies with separate insurers.

Tip #3: Boost your deductible

Your deductible is what you pay out of pocket before your insurance covers the rest of the cost to fix or replace your car. A plan with a $250 deductible will generally cost more than one with a $1,000 deductible.

For a real-world example, I plugged my own stats into a quote generator from Progressive, changing only the deductible to see how it would affect my rate. As mentioned earlier, I’m a married female in my early 30s driving a 2011 Hyundai Sonata. I live in a small southern city, have a clean driving record, and average 12,000 miles a year. With a $100 deductible on comprehensive and collision coverage, I would pay roughly $120 a month. Raising that deductible to $250 brought my bill down to about $100 a month. A $500 deductible reduced my monthly bill to $90, and a $1,000 deductible pushed it down to $82. That means I get to hold onto $456 if I go with the $1,000 deductible instead of the $100 deductible — not a bad sum.

However, raising my deductible is a good move for me only because I have $1,000 set aside in an emergency fund to cover the higher deductible. If you don’t have cash stashed away to pay the higher deductible in case of a crash or other calamity, raising your deductible isn’t the wisest move. Also keep in mind that factors such as your age and driving record will affect how much raising your deductible will save you.

Tip #4: Drive a low-risk car

Powerful, sporty luxury cars are always the most expensive to insure. These cars have the power to go extremely fast, and insurance companies know their drivers are more likely to get into trouble. These cars also cost a lot more to fix and are attractive targets for thieves — all situations your insurance company wants to avoid. The most expensive 2014 car to insure, the 545-horsepower Nissan GT-R Track Edition, will set you back about $3,169 a year in car insurance, according to Insure.com. Right behind it are a slew of luxury rides including the BMW M6, Mercedes-Benz CL550, and Porsche Panamera Turbo S, all of which average close to $3,000.

If you don’t have six figures to drop on a car, here’s some good news: Family-friendly vehicles including minivans, sedans, and smaller SUVs cost the least to insure. Their drivers tend to be more careful, ultimately filing fewer claims. These vehicles are simpler to fix and they aren’t quite as tempting for thieves. The cheapest car to insure, the Jeep Wrangler Sport, will set you back only about $1,080 a year. The Honda Odyssey LX, Jeep Patriot Sport, and Honda CR-V LX are similarly easy on the wallet.

Ultimately, the choice is yours, but a less-glamorous ride can help you nab cheap auto insurance.

Tip #5: Change your driving habits

Insurance is all about risk. If you get a speeding ticket every month, your bill will skyrocket. If you’ve had a clean driving record for years, you will have cheaper car insurance. Unfortunately, cleaning up a spotty driving record can take time.

A quicker way to save that’s often overlooked? Simply drive less. Consider your options carefully: Can you carpool? Work from home? Use mass transit or even move closer to your job? All of these options can help you save since less time behind the wheel means less chance of a claim. Be sure to tell your insurer about your new habits, though.

Tip #6: Maintain good credit

It may seem unfair, but the vast majority of car insurance companies look at your credit score to help determine your rate. If you have good credit, your insurer assumes you’ll be more responsible behind the wheel. Bad credit means you’re statistically more likely to file a claim, insurers say. According to consumer advocacy group United Policyholders, a rock-bottom credit score could mean you’ll pay double, triple, or even quadruple over someone with a perfect credit score.

This controversial practice is illegal in a four states: California, Hawaii, Maryland, and Massachusetts. If you don’t live in those states, you’ll want to work on raising your credit score in your quest for cheap auto insurance.


It’s time to save

Ready to get started? A little legwork now can save you big in the long run. And remember to re-evaluate your car insurance at least annually. Your own changing circumstances and old-fashioned competition always have the potential to hook you a cheap car insurance policy.

Now that you know what you need and how to save, compare rates from several car insurance companies to start your search. Our streamlined quote tool can help you get multiple cheap car insurance quotes quickly.

Whether you have a set of shiny new wheels or a decaying rust bucket, cheap car insurance is a must for staying legal on the road. The good news? You have more control over factors that influence your car insurance rates than those that affect other types of coverage, such as life insurance or home insurance. In this guide, I’ll outline seven strategies that will help you save on car insurance.

In a nutshell, those strategies are:

• Shop around for cheap car insurance quotes using an online quote generator
• Bundle your car insurance with other policies
• Raise your deductible
• Drive a low-risk car
• Change your driving habits
• Ask about discounts
• Maintain good credit

The best way to begin, is just by getting a feel for different car insurance rates. Even if you don’t know what type of car insurance you need, it is beneficial to get a handle on how much insurance costs so you can budget. The online comparison tool below is the best place to start.

Once you’ve seen some rates, you need to dig in on discounts – the key to cheap car insurance rates.

Where to Find Car Insurance Discounts

Many car insurance companies have discounts that go beyond bundling or insuring multiple vehicles. There over 15 discounts offered by major car insurance companies and some of them are less obvious than you may think.

Driving Schools

Driving education is an often overlooked discount opportunity. Teen drivers are very expensive to insure but one great way to lower that burden is through defensive driving training. Drivers who have completed and passed and accredited driver’s ed class or defensive driving training are eligible for up to 10% discount according to DriversEd.com. Plus, if you’ve recently received a ticket, enrolling in a defensive driving course can prevent the premium hike on your insurance (though most companies only let you do this once every 12 months).

Defensive driving courses cover topics such as traffic laws, drug and alcohol impaired driving, and inclement weather driving and are often offered online or at commercial driving schools. Courses for defensive driving can be found through the DMV or through local community centers. In fact, defensive driving education is required in at least 15 states including Texas, Nevada, New Jersey, Virginia, Oklahoma, Oregon, New York, Iowa, Kansas, Nebraska, New Mexico, Louisiana, North Carolina, Illinois and Mississippi.

After completing a defensive driving course, participants will receive a completion certificate which can be presented to insurance companies in order to qualify for a discount. Depending on the insurance company, drivers may also have to re-take the course and be current on their certification in order to continue receiving the discount. Classes are flexible and offered on a consistent basis, however, and learning defensive driving skills is an easy way to save money and become a more comfortable driver. If you aren’t the only person covered on your auto policy, consider getting all the drivers on your policy to take a defensive driving and you can be eligible for additional discounts!

Good Student Discounts

These discounts are typically given to drivers under the age of 25 who are enrolled full-time at a high school or college/university and are maintaining at least a 3.0 grade point average or are on the honor roll or Dean’s List. In order to prove satisfactory academic achievement and receive the discount, students need a current transcript or a letter signed by a school administrator. Students that are homeschooled can present standardized test results, such as SAT or ACT scores, that within a desired percentile range depending on the insurance provider in order to qualify. Good grades can continue helping students save money even after school is out because some insurance companies extend this discount to post-grads for a limited amount of time.

Safe Driving Record Discounts

Drivers with a clean record, a standard that is determined by each individual insurance provider, are eligible for hefty discounts. Although there is no universal definition of safe driving, insurance companies generally mean avoiding collisions and accidents for which you can found at fault and avoiding moving violations such as speeding, driving under the influence, or reckless driving. Having a clean record can not only give you a discount on your insurance, it can save you a lot more money in the short term.

Resident Student Discount

Resident Student discount can be offered to students attending college more than 100 miles away from home. This discount is intended to be used exclusively by those students who are not planning to drive the insured vehicle while at school but may use it while they are home for vacations.

Other Discounts

• Most insurance companies have Active-duty military and veterans discounts.
• Discounts for car alarm or other safety equipment
• Many insurers will even lower your rate if you pay in full or automate your payments.
• Ask companies for a full list of discounts while you’re shopping since they may not publicize all of them.

The major types of car insurance

Though companies offer several more nuanced options and add-ons, the three major types of car insurance boil down to:

• Liability coverage
• Collision coverage
• Comprehensive coverage

Liability coverage

Liability coverage, required by law in most states, covers the other driver’s personal injury and property damage in a crash where you’re at fault. Importantly, it does not cover your own injuries or property damage. Buying only liability insurance is always going to be your cheapest option, though not necessarily the wisest. Sometimes it makes sense to carry only liability coverage, and sometimes it doesn’t. More on this in a minute.

You’ll probably see your liability coverage written like this on your quote or car insurance policy: $50,000/$100,000/$50,000 (or 50/100/50). That means you have $50,000 in bodily injury coverage for each person, $100,000 in bodily injury coverage total, and $50,000 in coverage for property damage. Your state will require a minimum amount of liability insurance for you to stay legal.

Buying the bare minimum is tempting since it will keep your rates as low as possible. Unfortunately, that’s a bad idea — a bad crash can mean your costs will easily surpass low state minimums, and then you’ll have to pay up. If you don’t have the money, that will leave your other assets vulnerable.

Collision coverage

There is also collision coverage, which covers the damage to your own car sustained in a crash. Most commonly, this covers crashes when you’re at fault, but it may also pay in certain circumstances when another driver is at fault, or in scenarios not covered under your other policies. The cost of your collision coverage will largely depend on your car’s value, but you control the deductible — the amount you pay out of pocket before your insurance company picks up the rest of the tab.

Comprehensive coverage

True to its name, comprehensive car insurance covers almost any car-related calamity you can think of minus damage resulting from a crash. Instead, comprehensive policies pay for things like auto theft, damage from severe weather, or needed repairs after a late-night rendezvous with a disoriented deer. Comprehensive coverage is meant to complement collision coverage, not replace it. Like collision coverage, the cost will depend on your car but you control your deductible.


What type of car insurance coverage do I really need?

Comprehensive and collision coverage seem like a smart choice, but they come with a much heftier price tag than liability-only insurance. If you took out a loan to pay for your car, you probably don’t have a choice — your lender will require proof of comprehensive and collision coverage. And dropping comprehensive or collision coverage isn’t a good idea for anyone without the savings to pay for repairs out of pocket.

But there are situations when opting only for liability makes sense. For instance, if you drive an older, paid-off vehicle that you can easily fix or replace, keeping only liability coverage can mean significant savings. Comprehensive and collision coverage may also be overkill on any car you drive sparingly.

To see how much I would save on car insurance by nixing all coverage but liability, I plugged my own stats into a quote generator. I’m a married female in my early 30s driving a paid-off 2011 Hyundai Sonata. I live in a small southern city, have a clean driving record, and average 12,000 miles a year. A policy with 50/100/50 in liability, as well as comprehensive and collision policies with $250 deductibles, would set me back $45 a month. Dropping the comprehensive and collision policies would bring my bill down to just $24 a month.

Would I do it? No, since my car is still relatively new and would cost a significant sum to repair or replace. But let’s say I have a beat-up 2004 Nissan Altima with 150,000 miles on it. Replacing it would probably only cost about $2,000, a sum I could cover with my emergency fund if my car was totaled. Suddenly, potentially cutting my car insurance bill in half by dropping comprehensive and collision coverage makes a lot more sense.

Bottom line: Liability coverage is your cheapest option and will keep you legal on the road, but dropping collision and comprehensive coverage might be a risky move if it would be a major financial hardship to fix or replace your car.

Other types of coverage

There’s a number of other coverage types and add-ons. Of particular note is personal injury protection, which pays your own medical expenses after a crash. There’s also uninsured or underinsured motorist coverage, which means you won’t be left on the hook in a crash when an uninsured or underinsured driver is at fault in a crash with you and can’t afford to pay. Other add-ons pay for rental cars and roadside assistance.

If you’re trying to keep your bill low, personal injury coverage probably isn’t a smart buy as long as you have a good health insurance plan — there would be too much overlap between the two policies. However, uninsured and underinsured motorist coverage is a decent bet, especially in areas with a high percentage of uninsured drivers. It’s also fairly inexpensive: Adding both options to my GEICO quote boosted my monthly bill only a few dollars. As for other little add-ons, consider skipping them. If you can cover the cost of a rental (or borrow a car from a friend while you’re in a jam) rental-car riders are unnecessary, and an AAA membership is probably a better deal than roadside assistance coverage.

It’s that time of the year again, when companies feel extra special for having made the list of Fortune magazine’s "100 Best Companies to Work For." And while it’s great to have lists like these because it fosters improvement, it’s also great to see what these companies are doing and how advisors, agents, brokers, business owners and the most important part that make up these corporations -- employees -- can emulate them and grow.

But, how do they do it? Fortune deploys its research teams and conducts extensive employee surveys in corporate America, according to their methodology. Two-thirds of a company’s rankings are based on the results of the Trust Index Employee Survey, sent to a random sample of employees of that company, Fortune says. The survey asks questions about management’s credibility, overall job satisfaction and camaraderie. The other third is based on responses on the Culture Audit, which is a more detailed survey about benefits, communication, hiring practices, pay and other categories. If you want to learn more about it or nominate a company, go here.

Keep reading to find out which financial and insurance companies made it on the list this year. Their ranks are listed according to Fortune’s list, and our list goes from the lowest rated to the highest rated. And there are some surprises along the way…

First of all, what’s an unprotected web directory? It’s one that does not have an “index” file created for it–index.htm, index.html, index.php or some other more rarely used file types. If you try to access a non-password controlled directory that does not have an index file, the system will build a listing of files that are within the directory. If you get that, you can then click on the files and run them with a viewer or player or even download them.

I have to say I have not had this much fun with Google for a while! It’s just plain crazy seeing what people have stashed away in their web sites. (Please, don’t steal copyrighted music–I’m really against that. You can buy it for a buck a song anyway.) I think the absolute most fun you can have with this is to watch the movies you run across. I watched a hilarious British TV commercial, some interesting home videos, and some, well, you know, very interesting other types of videos.

So let’s get to the nitty gritty details. We need to construct a Google search query that searches for and recognizes these system built directory pages. Here’s what one looks like:

The words “Index of /” are common to these pages, and they end up in the “title” of the page. Unfortunately, Google sees the slash is a “stop word” so we cannot search for that. But, the problem is that without the slash there are all sorts of other pages that have the words “Index of” that are regular web pages. So, we need to find something else that is common. Within the page there are the headings of “name,” “last modified,” “size” and “description,” followed by the word “Parent Directory.” The combination of these words in the page body, and the “Index of” in the title should provide a pretty clean search, especially when we use the -inurl operator to exclude regular web pages that might have the same wording in them. (If all this has you confused, please read the Google Tutor Google Search Manual while referencing the sample queries below.)

So, for starters here is a query that will give you a search results page of unprotected directories:

[-inurl(html|htm|php) intitle:index of +last modified +parent directory +description +size]

But, this is kind of boring. Too many unknown program files, text files, web pages etc. Let’s narrow it down. You can narrow it down by looking for something in the name of a file in the list, or by the file type, or both.

For example, this query tries to find any types of files about Jennifer Lopez. Within the directories I found music, image and movie files.

[-inurl(html|htm|php) intitle:"index of" +"last modified" +"parent directory" +description +size +"jennifer lopez"]

Let’s say that we wanted to find any movie files in WMV or AVI format:

[-inurl:(htm|html|php) intitle:"index of" +"last modified" +"parent directory" +description +size +(wmv|avi)]

Or audio files in WMA or MP3 format:

[-inurl:(htm|html|php) intitle:"index of" +"last modified" +"parent directory" +description +size +(wma|mp3)]

Or images in JPG or GIF format:

[-inurl:(htm|html|php) intitle:"index of" +"last modified" +"parent directory" +description +size +(jpg|gif) ]

You can get more specific by specifying both the file types and a search word to hopefully find in the name. For example, the following will attempt to find the infamous Paris Hilton video tape:

[-inurl:(htm|html|php) intitle:”index of” +”last modified” +”parent directory” +description +size +(wmv|avi) "paris hilton"]

Or, you can even take a guess at the file name someone might call it:

[-inurl:(htm|html|php) intitle:”index of” +”last modified” +”parent directory” +description +size +("paris_hilton.wmv"|"paris_hilton.avi")]

So there you go. You can combine various search terms and experiment with this. As you’ve seen, this is not an exact science. The directory pages you bring up may have many or even all files which are unrelated to what you are looking for. But, it does make some good hits very often.

I find the most fun searching for movies with an interesting or provocative search term and seeing what comes up. The samples in this article are rather safe and boring, but I’m sure you all have some good ideas of what to try and search for. Do me a favor and post a comment with some interesting queries you’ve had success with, or crazy files that you’ve found (as long as nothing private is given out).

Searching MP3 files using search engine is easy especially when people the knowledge. When people share various ways to search for the MP3 files, our problem solved immediately. Here are the simple guide on how to search for those music that you like. Its depend on what format are you looking for - MP3, MP4, WMA, or even avi files.

How is this working?
Using altered Google, Yahoo, and MSN Search - searching string to find the files. This method will use the search engines to search for unprotected directory of the audio files.

How to: Click on the link below. Change the detail according to your liking. You can change the "wma", "mp3″, "mp4", "ogg" tag to other format if you wish. For the search engines, it works similarly. You just need to change the band/singer or song again.

Google:
“parent directory” mp3 OR wma OR ogg OR wav Band/Singer -html -htm -download -links

Yahoo Search:
parent directory” AND (Band AND Singer) AND (mp3 OR wma OR ogg) AND NOT(”download”) AND NOT(”links”)

MSN Search:
parent directory” AND (Band AND Singer) AND (mp3 OR wma OR ogg) AND NOT(”download”) AND NOT(”links”)

What else can this method do?
You can even search and download so many things other than MP3 using this method. I search and get movies, software, games etc...
Try it, and see if you can get your favorite artist full album.

Di bawah ini sukatan minyak RON95 (Liter) yang anda patut dapat bergantung kepada wang yang anda bayar.

RM10 — 4.762 Liter
RM20 — 9.524 Liter
RM30 — 14.286 Liter
RM40 — 19.048 Liter
RM50 — 23.810 Liter
RM60 — 28.571 Liter
RM70 — 33.333 Liter
RM80 — 38.095 Liter
RM90 — 42.857 Liter
RM100 — 47.619 Liter
RM110 — 52.381 Liter
RM120 — 57.143 Liter
RM130 — 51.905 Liter
RM150 — 61.905 Liter
RM160 — 76.190 Liter
RM170 — 80.952 Liter
RM180 — 85.714 Liter
RM190 — 90.476 Liter
RM200 — 95.238 Liter

Perhatikan meter RM dan Liter semasa mengisi minyak di stesen minyak.

Jika anda dapat kurang daripada sukatan yang sepatutnya, sila laporkan kepada pihak berkuasa!

#SabahanSays: "Anu" when they have no idea to explain the things. contoh ayat? contoh macam ni "anu ba, yang selalu kita guna untuk potong rumput, apa nama tu ah?" kat sini, "anu" tu tak de kaitan ngan organ manusia or anything yg lucah okayy!

#SabahanSays: NDA n NGGA is different. People always mistaken us as Indonesian.

#SabahanSays: In a typical restaurant scene in Sabah, you're a 'boss', the waiter's a 'boss', the cashier's a 'boss'. Everyone is the boss...Haha I dont know how to explain this. but this is totally true. sabahan akan panggil orang lain, siapa-siapa sahaja as "boss". so kat sabah, semua orang boleh jadi boss. hahah...contoh ayat "si boss ba tu yang guna periuk tu tadi"
#SabahanSays: "lari ba" when they ask someone to move/ when someone's blocking their view. totally true. this one lebih kurang macam "excuse me, can u please move a bit?" or "boleh tepi siket tak?"

#SabahanSays: Whenever you abuse the slang term 'bah', every Sabahan dies a little inside. actually its kinda funny dengar non sabahan cuba guna perkataan "bah"..ahaha..sounds cute

#SabahanSays: "miring" instead of condong.haha # UniqueMuch .its actually the term yg kitorang gune kat sabah!

#SabahanSays: "Nduu baa" which has equal meaning as "Awlololoo" get it? Get it?kite biase gune "alolo.kesianye demam"....kalau version sabahan "anduuuu baaa....sian dia demam.." easy yooo!

#SabahanSays: "Bida" as ugly.

#SabahanSays: di mana rumah kau ? di sana tuuuuuuuuuu .makin banyak "U" makin jauh la rumah dia hahahahahah....get it?

#SabahanSays: jangan kau kacau tu anjing,kana bubut kau nanti faham tak ayat ni? "bubut" means "kejar" .

#SabahanSays: Apa kau rasa? Rasa oren.. ni bile kite nak cakap kat orang tu "padan muke ko.." hahah...dalam version sabah leh guna ayat ni "apa kau rasa?rasa oren..

#SabahanSays: palis palis hahah..meaning that "minta dijauhkan...". bile kite dengar something yang tak baik, contoh kite dengar "anak jiran sebelah accident kena langgar lorry.." so untuk menyatakan yang kita hara

BANYAK orang bersetuju bahawa “tuan” hanya digunakan untuk orang lelaki manakala “puan” untuk orang perempuan. Bagaimanakah pula keadaannya dengan frasa “tuan puteri”? Adakah “tuan puteri” juga merujuk kepada golongan lelaki? Jawapannya sudah pasti tidak.

Memang benar bahawa “tuan” digunakan bagi golongan lelaki akan tetapi dalam keadaan-keadaan tertentu sahaja. Penggunaan kata “tuan” yang pertama  merujuk kepada orang lelaki yang dihormati, contohnya:

(i)    “Tuan dipersilakan untuk menyampaikan ucapan,” umum Pengerusi Majlis.
(ii)    “Silakan masuk, tuan,” kata penyambut tetamu itu dengan sopan.

Kata “tuan” juga digunakan untuk panggilan bagi orang lelaki yang berpangkat dan patut dihormati.

Contohnya:

(i)    Tuan Imam Masjid Semesta ialah Ustaz Ibrahim Samat.
(ii)    Tuan Pengetua disayangi oleh semua murid kerana sifat dedikasinya.

“Tuan” juga digunakan untuk merujuk orang lelaki berbangsa Eropah. Hal ini demikian kerana orang Melayu merupakan bangsa yang amat menghormati dan memandang tinggi bangsa-bangsa lain terutama bangsa Eropah. Contohnya:

(i)    Tuan Robert dan Tuan William sedang mengkaji tumbuhan di puncak Gunung Tahan.
(ii)    Tuan dan memnya sedang berjoging di kawasan taman itu.

Namun demikian, kata “tuan” sebenarnya bukan merujuk golongan lelaki sahaja. “Tuan” boleh juga digunakan untuk merujuk golongan perempuan.

Antara penggunaan “tuan” yang bukan hanya terhad untuk golongan lelaki sahaja adalah untuk merujuk  orang yang menjadi tempat menghambakan diri.

Orang yang menjadi tempat untuk menghambakan diri tidak kira lelaki atau perempuan boleh digunakan kata tuan. Contohnya:

(i)    Tuan Puteri Mandu Ratna Dewi sedang bersiram di kolam itu.
(ii)    Hamba sahaya itu sangat takut kepada tuannya.

“Tuan” juga digunakan untuk menggambarkan orang yang memiliki sesuatu atau pemilik sesuatu. Contohnya:

(i)    Tuan rumah sewa itu telah mengarahkan Azam agar  mengosongkan rumahnya.
(ii)    Kita perlu meminta kebenaran daripada tuan tanah dahulu sebelum mengusahakannya.

“Tuan” juga digunakan sebagai kata ganti diri kedua yang merupakan kata ganti diri yang halus bagi orang lelaki atau perempuan yang dilawan bercakap. Hal ini demikian bermakna, kata ganti diri “tuan” merupakan satu aspek kesantunan berbahasa yang diamalkan dalam bahasa Melayu. Contohnya:

(i)    “Mengapakah tuan masih belum mengerti hasrat hati hamba?” tanya Andika kepada Ratna.
(ii)    “Hamba begitu cemburu melihat tuan beriringan dengan lelaki lain,” rintih Perwira kepada Kencana.

Dalam surat rasmi juga kita boleh menggunakan kata panggilan “tuan” untuk merujuk penerima surat tanpa perlu menyelidik dahulu sama ada penerima surat itu lelaki atau perempuan.

Kita tidak perlu menggunakan kata panggilan “puan” jika penerima surat itu merupakan seorang perempuan kerana “tuan” sudah merangkumi lelaki dan perempuan.

Di negeri Kelantan dan Terengganu terutamanya, “Tuan” merupakan satu gelaran yang berkaitan asal keturunan.

Orang berketurunan “Tuan” terdiri daripada mereka yang berdarah raja. Oleh sebab itu, sama ada lelaki atau perempuan, mereka boleh menggunakan gelaran “Tuan”  jikalau mereka berasal daripada suatu keturunan yang ada kaitan dengan kerabat diraja.

Contohnya:

(i)    Guru Bahasa Inggeris itu menjelaskan bahawa Allahyarham datuknya bernama Tuan Mat.
(ii)    Isteri Ramli bernama Tuan Norliza.

Banyak perkara tersembunyi tentang bahasa Melayu yang perlu dikaji. Penggunaan kata “tuan” misalnya, dianggap hanya sebagai kata ganti diri ketiga untuk merujuk kepada golongan lelaki sedangkan maknanya lebih meluas.

Oleh sebab itu, marilah sama-sama kita merungkai pelbagai ilmu tentang bahasa Melayu yang luas ini. Jikalau tidak kita, siapakah lagi yang akan mendaulatkan bahasa Melayu?

Akhir kata “Cintailah Bahasa Kita, Bahasa Jiwa Bangsa”.

Saya rasa hidup ini biarlah ikhlas.. kieikhlasan itu datangnya dari lubuk hati yg murni.. sukar utk kita mengukur keikhlasan seseorang melainkan dapat dinyatakan dgn kelakuan.. apabila keikhlasan dapat dinyatakan dgn kelakuan atau tingkahlaku... itulah namanya kasih sayang.. kasih sayang untuk sebuah perkongsian merupakan keikhlasan yang agung...

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

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.

Artikel oleh: 1 Suara Sabah

Astro Awani |Oktober 06, 2013
KUALA LUMPUR: Sebuah portal popular, Jalopnik, menyenaraikan Malaysia sebagai negara kedua paling mahal untuk membeli kereta, di belakang Singapura dalam artikel bertajuk 10 Tempat Paling Mahal Untuk Beli Kereta (The 10 Most Expensive Places To Buy A Car).

Artikel yang diterbitkan pada bulan lepas, memuatkan keluhan rakyat Malaysia mengenai isu harga kereta terutama dikalangan rakyat biasa.

Kini, dengan harga minyak yang meningkat, isu tersebut kembali mendapat perhatian.

Satu kajiselidik di laman web pengeluar kereta terkemuka mendedahkan bahawa rakyat Malaysia membayar sehingga dua kali apa yang pengguna Amerika bayar untuk kereta yang sama di Amerika.

Malah, di kalangan rakan-rakan mereka di Asean, terutamanya Thailand, harga kereta di Malaysia adalah tinggi.

Pinjaman kereta di negara ini boleh dibuat sehingga sembilan tahun. Satu tempoh yang membolehkan memiliki kereta dengan lebih murah, tetapi dalam masa sama ia juga membawa kepada hutang isi rumah yang lebih tinggi.

Laporan yang dikeluarkan oleh Maybank Investment Bank Research pada akhir Mei lepas menyatakan pinjaman kenderaan menyumbang sehingga 18 peratus daripada jumlah hutang isi rumah.

Ketika menlancarkan Manifesto Barisan Nasional (BN) bertajuk 'Menepati Janji Membawa Harapan' April lalu, pengerusinya, Datuk Seri Najib Tun Razak berjanji untuk menyemak semula Dasar Automotif Nasional bagi mengurangkan harga kereta secara berperingkat antara 20 hingga 30 peratus dalam tempoh lima tahun serta meningkatkan daya saing kereta nasional.

Presiden Persatuan Automotif Malaysia (MAA) Datuk Aishah Ahmad berkata pihaknya telah mencadangkan banyak kali kepada kerajaan supaya duti diturunkan secara beransur-ansur bagi mengurangkan beban pemilikan kenderaan kepada pengguna biasa.

"Kami merasakan dengan kos pemilikan kenderaan yang lebih rendah, pengguna akan mempunyai pendapatan boleh guna tambahan untuk berbelanja pada barang-barang lain, yang akan memberi manfaat kepada ekonomi negara.

"Kami, bagaimanapun, ambil perhatian bahawa kos penyelenggaraan kenderaan di Malaysia masih kompetitif berbanding

dengan negara-negara Asean yang lain, dengan subsidi bahan api dan cukai jalan yang lebih rendah," katanya.

Ketua Pegawai Esekutif Persatuan Pengguna Malaysia (Fomca), Datuk Paul Selvaraj yang berpendapat ini adalah masa yang terbaik untuk kerajaan menurunkan harga kereta terutamanya selepas pengurangan subsidi petrol baru-baru ini.

"Kita ingin memulakan merasionalkan subsidi dan memperkenalkan Cukai Barangan dan Perkhidmatan (GST). Kita ingin memaklumkan harga pasaran menentukan harga petrol, tetapi pada masa yang sama kita tidak mahu menjual kereta pada harga yang ditentukan oleh pasaran.

"Pada masa lalu , kita bersetuju dengan dasar perlindungan tetapi berapa lama ia akan bertahan? Kita perlu untuk meliberalisasikan harga," kata Selvaraj seperti dilaporkan akhbar New Sunday Times.

Selvaraj berkata di negara-negara maju walaupun harga kereta lebih murah berbanding dengan Malaysia. "Jepun dan United Kingdom mempunyai kereta lebih murah daripada kita. Kenapa kita mesti membayar lebih untuk kereta kita? "

Ketua Ekonomi Kumpulan di Ratings Agency Malaysia Berhad, Dr Yeah Kim Leng, bersetuju dengan pandangan bahawa harga kereta perlu diturunkan.

Dr Yeah berkata kereta adalah salah satu daripada dua perkara. selain rumah, yang mana Rakyat Malaysia perlu membayar lebih, dan keduanya mengambil sebahagian daripada pendapatan boleh guna rakyat Malaysia.

"Ini adalah faktor utama yang menyumbang kepada tahap hutang isi rumah yang tinggi ," kata Yeah.


Yeah berkata dalam suasana kos bahan api yang semakin meningkat, mengurangkan harga kereta akan membuat ia lebih mampu dimilik oleh rakyat Malaysia.

"Jika anda mahu untuk mengurangkan kos keseluruhan hidup, salah satu cara adalah dengan menurunkan harga kereta. Ia akan meningkatkan kebajikan pengguna apabila harga kereta dan rumah yang lebih murah, yang merupakan dua perkara besar dalam bajet isi rumah.

Katanya, pada awal 1980an, ketika baru memulakan industri kereta, kerajaan mempunyai dasar melindungi kereta nasional dengan menaikan cukai kereta import.

Namun kata Dr Yeah, perlindungan seperti itu sudah tidak lagi sesuai untuk terus dilaksanakan.

Pandangan berbeza diberikan oleh Pengarang majalah automatif Top Gear Malaysia, Hazeri Samsuri yang berkata rakyat Malaysia lebih suka mengkritik kerajaan berkenaan harga kereta tetapi tidak melakukan perkara yang sama terhadap pengeluar kereta.

"Kereta di Asean adalah lebih mahal daripada di Eropah dan Amerika. Alasan yang sering diberikan adalah jumlah; Asean adalah satu pasaran baru muncul.

"Kereta juga dianggap barangan mewah di negara-negara dan pengguna sanggup membayar 'jenama premium'," kata Hazeri.

Menurut Hazeri, harga kereta tetap mahal tetap akan mahal biarpun cukai dikurangkan.

Bagi Ketua Esekutif Institut Automotif Malaysia, M.Madani pula menegaskan harga kereta di Malaysia adalah antara yang berdaya saing di rantau ini.

Madani juga menjelaskan bahawa tidak ada hubungan langsung antara Keluaran Dalam negara Kasar (KDNK) dan harga kereta.

Katanya, harga kereta bergantung kepada kuasa pasaran dan struktur cukai negara.

"Walaupun kebanyakan orang cenderung untuk melihat struktur cukai sebagai penentu dominan harga kereta, ini tidak semestinya benar. Kita ambil Thailand dan Indonesia sebagai contoh. Kedua-dua negara mempunyai cukai yang agak sama dan ini adalah benar terutamanya untuk kereta yang lebih rendah segmen di bawah 1,500 cc.

"Walau bagaimanapun, harga di Thailand jauh lebih rendah daripada Indonesia. Malah, harga kereta di Indonesia adalah agak setanding dengan orang-orang di Malaysia. Walaupun begitu, terdapat persepsi umum bahawa struktur cukai di Malaysia adalah antara yang tertinggi di rantau ini," kata Madani.

Kata Madani, untuk mengurangkan harga kereta, kerajaan perlu mengambil kira banyak faktor termasuk impak semasa ke atas pemilik kereta, industri kereta terpakai, institusi kewangan, kesediaan infrastruktur dan kesediaan seperti sama ada infrastruktur sedia ada adalah mencukupi untuk menanggung lebih banyak kereta di jalan raya, dan lain-lain

Google AdSense is a pay-per-click (PPC) program that can give you advertising revenue from each page on your website with a minimal investment in time and no additional resources. AdSense delivers relevant ads that are targeted to the content people find on your site. In many advertising networks and websites, including AdSense, the advertiser is charged for advertising their ad only when a user clicks on their ad. How much they pay (for that click) is called their Cost Per Click or CPC.

Here you will find some simple and effective AdSense tips that will increase your revenue. If you haven't already joined AdSense program, you should sign up first.

1) If you want to maximize your profits, make sure to create more than one website.
However, you don’t want to start off by creating 100 websites. Maintenance for that many sites, at first, would be hectic. While having only one website would be the easiest to maintain, it also increases your chances of being cut out altogether by the latest algorithm update. So, you want to have a few websites up and running. Then if the latest algorithm forces one website out, you still have a few others to generate income from while you work on the affected one.

2) Pick a niche to write about per site.
Creating a site that discusses any topic under the moon may be easier to find the desire to update, but it will make it difficult to create constant traffic, make it hard for the Google search engine to rank your site, and cause trouble generating ads that are on topic.
Also, if you only pick one subject to focus on, you can go more in-depth and gain expertise in that field. This makes your website more profitable for users and yourself.

3) Create a site about something you are already interested in!
This Google Adsense tip only makes sense! Making your site about something that you like makes it more fun in the long-run for you to continue managing your site. If something is less like work, then you are more likely to do it. Constant updates on your site is good for traffic and search engines, which generates clicks on your ads.
However, don’t create a site about something that is not in demand. Just because you like to study rare deep-sea anglerfish doesn’t mean that everyone else does. If you want to maximize your profits, you will need to give information about something that the general public will be researching.

4)Do not put Google Adsense on a brand new site!
When building a new site, wait until you have completed the site, you have built inbound links, and you are getting traffic. A brand new site can leave your ads being off topic and difficult to follow.
Also, if you try to apply to Google Adsense too early when your website is brand new, you will most likely be turned away. Google wants to know that your site has enough traffic so that putting their ads on your page will be profitable to them and you. They don’t waste time on beginner or spammy sites.

5) Do not put images next to your ads!
While many people did this for years and it worked successfully, it now against Google’s policies to do so. This is considered to be ‘encouraging clicks’ which is prohibited. If you do so, you may get more clicks for a bit, but you will quickly be caught and banned from having Adsense on your page. And once you are banned, you cannot get your account back into good standing.

If you haven’t read Google’s Adsense policies, I seriously suggest doing so.

6) Place images in optimal places on your site.
Ads that are higher on the site get clicked more often, which generates more income.

7) If you want to maintain optimal profit, do not put your ads on affiliate sites.
While well-known affiliate sites may get you more clicks than your own brand new site, you cannot depend on these sites to earn a maximum profit. It can be considered as a violation of the rules and regulations of Adsense. Moreover, each of the affiliate sites charges a percentage of your earnings to be able to post on their site. So, work on your own site, promote it to generate traffic, and be patient. Having ads on your own site will be better for you in the long-run.

8) Make sure to update your site on a regular basis.
If you create a site and leave it for a few months, you may find that your traffic has dropped significantly. Therefore, your amount of clicks and pay has dropped as well.
No one wants to visit a site that has grown stagnant and has old information, so get busy generating new information for your readers!

9) Create ads that best complement your site.
The optimal sizes for ads have been researched. They are the 336×280 large rectangle, the 300×250 medium rectangle, and the 160×600 wide skyscraper.
However, don’t simply use these sizes without integrating them into your site well. You want the overall flow of your site to be pleasing to your loyal visitors, so be sure to fit the ads in a way that is visually appealing.

10) Do not stress over the latest google algorithms, or trying to beat the system!
Google constantly updates their algorithms to cut out spammers, and this unfortunately messes up the generated income for some sites. However, there is no way to currently beat this system, so do not stress if your site sees a dramatic drop suddenly. Simply continue to work hard at improving your site and keeping up with the latest Google Adsense Tips. Hopefully, you will see improvement again in your traffic.

These are some tips that should help you a great deal when trying to maximize the profits from your ads. Overall, continue working to improve your websites and don’t stress! Everyone knows that Google owns the world in their own mysterious way, and trying to fight it will only end in multiple visits to a psychiatrist. So, be happy and enjoy Google’s business offering to the world!

By MEGAN JOHNSON (U.S News Health)

Choosing the right health coverage has never been easy, and the health reform law has made things more complicated—especially for those choosing among plans provided by their employer. Besides sorting through differences in premiums, deductibles, and co-payments  you need to consider new provisions in the law that have recently kicked in and could impact your coverage for the coming year. The following tips can help clear away the confusion, and help you choose the right plan during the open enrollment season.

1. Check for grandfather exemptions. If your employer makes no substantial changes to your insurance plan, it may be "grandfathered in" and not subject to certain required provisions in the health reform law. These include free coverage (with no copay) for preventive services like blood pressure or depression screening, smoking cessation programs, and immunizations. Plan materials will indicate whether or not the plan is grandfathered, along with the benefits it provides.

2. Decide which plan type best meets your needs. There are generally three types of plans: health maintenance organizations (HMO), preferred provider organizations (PPO) and point-of-service plans (POS). An HMO requires that you use physicians within a specific network, giving you less flexibility but a more affordable cost. A PPO allows you to stay in-network or go out of network for a heftier fee; out-of-pocket costs are usually higher for PPO's than for HMO's. POS plans combine elements of HMO's and PPO's. They give you the option to pay more for venturing out of network, but usually require you to choose a primary care physician within the network and get a referral from that physician before seeing any specialist.

3. Identify changes before re-enrolling. That could save you from dealing with unexpected costs if your benefits have changed. Coverage for a particular service such as chiropractic care may have disappeared, or the cost of covering your spouse may have increased. So it could pay to change plans. More likely, your monthly premiums have gone up, due to rising healthcare costs.

4. Make adjustments to your current plan or consider switching. Take into account whether your needs have changed. If you're planning a family, you might need maternity coverage, for example, or perhaps you'd like to add an adult child back onto your insurance. All plans are now required to cover children up to age 26, though grandfathered plans may exclude these young adults if they have access to health benefits through an employer. Adult children, like those under 18, can no longer be rejected for having pre-existing conditions like asthma or cancer.

5. Factor in your favorite doctors. Before electing a different plan, check to see that your primary care physician and specialists are in its provider network. Women in non-grandfathered plans now have the freedom to see an obstetrician-gynecologist without a referral, but they still need to make sure any doctor they choose participates in their plan's network if they have an HMO or don't want to face extra fees if their plan is a POS.

6. Size up the cost. Compare the total cost of various plans using an online calculator, a tool offered by many employers. If you are young and healthy, you may want to trade pricey monthly premiums for a higher deductible (paying more out-of-pocket before coverage starts). Be sure to factor in copays (the physicians' fees) and coinsurance (your share of the cost for prescriptions or hospitalization).

7. Don't get lured by those new freebies. While new plans now require you to pay nothing for certain routine preventive care, you might not need to switch off your old plan to reap this benefit. Many plans were already offering preventive services at minimal or even no cost prior to the passage of health reform, says Randall Abbott, a senior healthcare consultant with Towers Watson, a global consulting firm based in New York.


8. Consider opening an account for your healthcare expenses. To save on premiums, think about setting up a healthcare savings account to help pay for prescriptions, contact lenses, and other medical expenses. Contributions to a health savings or flexible spending account are subtracted from your pretax income— a big plus. There are, though, some drawbacks to both. A health savings account has to be paired with a high-deductible plan—with an annual deductible of more than $1,200 for an individual and even more for a family. While a flexible spending account can go with all plan types, you lose any leftover contributions that go unused at year's end. Beginning in January, you can no longer pay for over-the-counter medications, like Tylenol or Prilosec, using HSA or FSA dollars unless you get a written note from your doctor.

9. Check out the prescription coverage. Your plan may add or drop certain drugs that were covered the previous year, so make sure whatever pills you take on a regular basis are still covered this year. This information is included in a plan's listing of medications or formulary and may be available online. Find out if there are additional discounts on generic drugs and whether you have the option of saving more by receiving prescriptions by mail.

10. Take advantage of wellness incentives. Companies often offer employees cash incentives to complete a lifestyle questionnaire that covers things like exercise and smoking habits. Employers use these assessments to encourage workers to participate in wellness activities such as fitness programs or smoking cessation to reverse bad habits and lower health premiums for the company and its employees.

11. Don't forget to reconcile your spouse's coverage with your own. If your spouse or kids are covered under your plan, make sure your employer is still contributing the same amount toward premiums for family plans. Some have begun charging for each dependent, which could make it too expensive to add that 22-year-old child back onto your plan. Employers are also increasingly adding surcharges for spouses whose companies offer insurance; you may find it's no longer cost effective to keep your spouse on your plan.

12. Plan for the worst. Experts advise employees worried about being laid off to consider a plan with a lower premium. Laid-off employees who continue coverage through COBRA now have to pick up the entire cost themselves, since a government subsidy that chipped in substantially ended last June.

Remember the ‘good’ old Indian school punishments? Holding the earlobes with arms crossed over your chests, bending the knees and then sit and then stand and so on till the time Masterji is saying?

Ever thought why the traditional Indian school teachers would give this particular punishment? I believe even majority of the teachers who grant this punishment to their students do not know the reason behind it. This form of punishment has been in practice in our country since the Gurukul time and was given to the students who were weak in studies. That is a different question if now a days teachers grant this punishment for any mistake and not only for studies but originally it was meant for weak students only.

Talking about the logic behind this punishment, it is very interesting to know that this particular posture increases the blood flow in the memory cells in brain and synchronizes the right and left side of the brain to improve function and promote calmness, stimulates neural pathways via acupressure points in the earlobe, sharpens intelligence and also helps those with autism, asperger’s syndrome, learning difficulties and behavioral problems.

Probably we have forgotten this ancient method of increasing memory power but the West is now using is very diligently and they are recommending this posture or exercise to treat many a diseases.

Did you know that once you hit 40 years of age, whether you're a man or a women, your body starts aging FASTER than normal? Studies have shown that without the proper nutrients and exercise, your body will age about 6 months EXTRA for every year that passes. Think about that! If you are 40, that means by the time you hit 44 you will LOOK and FEEL 48. And by the time you reach 60, you will LOOK and FEEL 70 YEARS OLD! We see this every day... just look around you.

Did you know that 90% of people over the age of 35 lose enough muscle every year to burn off an additional 4 pounds of body fat? That means you not only lose the only thing on your body that creates shape, tone, and strength—you also gain more fat every year, even if your calories stay the same.

Did you know that all of this is reversible at any age? That there are specific ways to move, eat, and think that tell your brain to STOP this rapid aging process... and even SLOW IT DOWN to the point where you're aging less than a year for every year? That means you can look younger at 40 than you do at 35... or if you're like Becky and I, younger at 50+ than we did at 40!

This is not fantasy talk. This does not require a boatload of anti-aging drugs, supplements, or gimmicks. And, this works for anyone, male or female, and works at any age. 35, 45, 55, 65, 75... you name it. The biology is exactly the same.

My years as editor-in-chief at Iron Man Magazine have allowed me to peer into the secret routines of the anti-aging experts. Over the years, both Becky and I have picked up SO many tips, tricks, and strategies that have allowed us to literally reverse the aging process, at least from a cellular level. That means our body's look, feel, and MOVE younger than our chronological age.

We've taught this System to countless men and women over the years, and it always begins with these 5 key principles you must apply in order to STOP the rapid onset of aging that's going on right now, reverse it, and begin "aging backwards" by restoring your body's natural youth hormones.

That said, we have to warn you: What you are about to hear may go against all the conventional diet and exercise advice you've been hearing. That's because the world has, to be utterly frank, gone soft! "Core training", hot yoga, spin classes, tai chí all of these are just fine, but they won't slow your aging, and they certainly will never shape your muscles or burn off stubborn body fat. No way!



Step 1: Forget Low-Fat Diets

Forget Low Fat!Low fat everything has been the craze now for decades and look around. What has that wonderful bit of advice done for the bodies you see? We're fatter, sicker, and more addicted to sugar and carbs than any other time in history. And, we're passing these habits to our kids.

Fats are not to be feared – they're to be embraced. They do not make you fat; rather, they help your body regenerate your power hormones. Testosterone, the 'strength' hormone, for example, is the direct result of cholesterol and dietary fat intake. That's right: "Cholesterol" isn't a dirty word! Your body needs dietary fat and cholesterol in order to produce ANY AND ALL vital hormones.

People on low fat diets look drawn, gaunt, and weak. They are often sick, sometimes to the point of literally breaking down. And, they can never just enjoy eating out. Every meal and every gram must be accounted for. Do you really think this will make you younger? Of course not... it will worry you to death if it doesn't kill you first!


Step 2: Stop Running in Circles

Stop Spinning Your Wheels!Gym classes can be fun, if you like sitting in one place and torturing yourself. But have you noticed how little people change their bodies in these classes? Sure, it's good "cardio", but cardiovascular conditioning can be gained with far less time and effort.

Treadmills, and any form of endurance training (especially running) does very little to help the age reversal process. Many times, these long-duration exercise bouts accelerate the aging process by increasing free radicals. These free radicals are scavengers that prey on your body's essential nutrients and tissues.

There's a smart way to exercise... we'll cover that in a minute. And, what's wonderful is that it takes you about ¼ the time of traditional workouts. We'll cover more details on the next page.


Step 3: Stop Blaming Everything On How Old You Are

Stop Spinning Your Wheels!The guys to the left are not fat because they are old—they're fat because they eat, think, and move like a fat, old, dying person! Becky and I are both in our 50s—older than the guys in this photo—and I still sport a nice six-pack, and Becky transformed her body from the typical "middle age mom" to a slim, toned, and super-sexy woman who looks 10 years younger. (See the next page for photos!)

Listen: Your body doesn't own a clock. Studies have shown that men and women in their 90s were able to gain muscle tone in just a matter of weeks of simple weight training. I've personally seen men and women transform their physiques at literally all ages—25 to 95!

If you're around those naysayers who are constantly talking about growing old, all their aches and pains, and how life is just down hill after 40—LEAVE! Surround yourself with positive thinkers who absolutely crave a challenge. A challenge is what keeps you YOUNG, and the best challenge there is happens to be taking control of your health and body.


Step 4: Avoid Chronic Dehydration

Drink Your Water!Water isn't just "good for you" — water burns fat. Water suppresses hunger. Water renews your skin. Just drinking 12 ounces of pure water every day can take a few years off your face in a matter of weeks. You'll also drop fat, have more energy, and save your kidneys and liver from chronic overwork.

When your kidneys are taxed from too little water, your liver has to take over. Now, get this: Your liver is your number one fat-burning organ. Do you REALLY want it processing liquids and toxins rather than BURNING FAT? No way, right? Well, grab a glass of water, and watch the mirror. Within a few weeks, the change to your face and body will be noticeable.


Step 5: Work Out LESS (Yes, Less)

Work Out LESSIf you don't work out at all, you're going to lose muscle tissue every year. That means you'll get fatter and flabbier each and every year with less shape and more sag. Is this what you desire? No way, right?

Well, the answer is old school resistance training. Here's the secret: hardly anyone is doing it right!

Becky and I have seen literally thousand of pro fitness athletes train over the years. The ones who looked the best — and that means looked the youngest, most toned, and had the least amount of unwanted fat — were the ones who left the gym while others were still warming up!

Over the past decade, Becky and I have developed a men and women's workout system that we call F4X Training System. This is a revolutionary way of combining four specific exercises done in literally a matter of minutes. That's ALL YOU NEED... And don't let anyone tell you otherwise!

That's right: We do not do endless cardio sessions (the F4X Training System is a great cardiovascular workout) and we do not spend an hour a day in the gym. We have a life, thank you. We have kids, and we value being both fit and real people at the same time. The F4X Training System was our personal breakthrough to achieving our ideal bodies, staying in tip-top shape with minimal time, and having a life outside a gym.

Insurance companies are primarily of 2 types – life insurance and non-life insurance such as auto, property, casualty insurance etc. Here is the list of top 10 insurance companies across the world, 2012 ranking.

1. Berkshire Hathaway
Market Cap (in US$bn) = 201.135
The very fact that all of Berkshire’s major insurance subsidiaries are rated AAA by Standard & Poor’s, and A++ by A. M. Best stand testimony to their global standing as no. 1 in the field of insurance. The exceptionally high capital strength maintained by its subsidiaries is its most significant differentiating factor. It offers automobile insurance through GEICO, property/casualty reinsurance through General Re, life insurance through NRG and government bond insurance through Berkshire Hathaway Assurance.

2. China Life Insurance
Market Cap (in US$bn) = 73.371
Based out of Beijing, it is the largest insurance company in Asia. It is listed in 3 markets - the Hong Kong Stock Exchange, the Shanghai Stock Exchange and the New York Stock Exchange – the first Chinese insurance company to achieve this distinction. Though it originally began as fire and marine insurance providers, it now primarily focuses on individual and group life insurance.

3. American International Group
Market Cap (in US$bn) = 58.480
Popularly known as AIG, it is based out of New York City. It underwrites commercial and industrial insurance along with life insurance (with the acquisition of American General Life Insurance) and travel insurance (through Travel Guard). AIG suffered heavily during the global financial meltdown in 2008 which resulted in downgrade of its credit rating and had to be bailed out by the government.

4. Allianz
Market Cap (in US$bn) = 54.245
This German company is the largest insurance company in the European market offering both health/life insurance as well as property/casualty insurance. In India, it has formed a joint venture with Bajaj Finserv Limited called the Bajaj Allianz General Insurance Company Limited which also offers travel and motor insurance. Allianz’s marketing activity revolves around sports with a football stadium in Munich named Allianz Arena.

5. Ping An Insurance
Market Cap (in US$bn) = 51.463
Ping An Insurance offers life insurance, property and casualty, and health insurance. With foreign investors in its shareholding structure, Ping An is the first Chinese insurance company to have done so. HSBC holds minority stake in the company which it plans to sell in 2013.

6. AIA
Market Cap (in US$bn) = 44.133
Though the acronym stands for American International Assurance, it is based out of Hong Kong where it is the market leader with a market share of more than 25%. In India, it operates through 26% stake in a JV with Tata Sons offering accident and health insurance in addition to life insurance. Primarily strong in Asia, AIA is now looking at expanding its wings to the rest of the world.

7. Metlife
Market Cap (in US$bn) = 39.719
Metropolitan Life Insurance Company, popularly known as just MetLife, began its journey insuring Civil War sailors and soldiers against casualties. To this date, Metlife is the largest life insurer in the United States. Though it provides a host of financial services, insurance accounts for more than 50% of its revenues. Metlife uses popular cartoon characters from Peanuts, most notably Snoopy in all its advertising.

8. Zurich Insurance Group
Market Cap (in US$bn) = 39.559
Based out of Zurich, and hence the name, Zurich Insurance Group is the biggest Swiss insurance company. It offers general insurance, life insurance and farmers’ insurance. It features in both Interbrand’s top 100 brands as well as Fortune Global 500 companies.

9. AXA
Market Cap (in US$bn) = 39.017
AXA offers life as well as non-life insurance (savings, property and casualty). Based out of France, AXA is rated the best insurance brand by Interbrand for 3 consecutive years. AXA entered India forming a JV with Bharti Enterprises called the Bharti AXA Life Insurance Company Ltd.

10. ING
Market Cap (in US$bn) = 31.863
Headquartered in Netherlands, the ING group offers life insurance, banking and asset management services. In India, ING holds 26% stake in the ING Vysya Life Insurance Company. ING has been closely associated with around sports, sponsoring many marathons like the New York City Marathon and the Renault F1 team from 2007 to 2009.