tag:blogger.com,1999:blog-50541979393258820232024-03-12T20:42:10.815-07:00No Camera Please!!hafizsteenhttp://www.blogger.com/profile/03560640567271039443noreply@blogger.comBlogger17125tag:blogger.com,1999:blog-5054197939325882023.post-14901947082445827032017-05-09T22:07:00.000-07:002017-05-09T22:41:23.569-07:00Siapakah Anira sebenarnya?<div dir="ltr" style="text-align: left;" trbidi="on">
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhm-8tZhZtvGV1LWlkO7HZzHN9qbC0y6jDYo3Nxey4GM_RtOppD8TCFPNAsS9Nx2UWUwT9pGHbBLN21m5Do5fktD-3ZBmOSOQF1kZIebT24F01jO1m6wwi7muZsIzTpebN1GzkbMhGXarQ/s1600/bookcover2.jpg" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em; text-align: justify;"><span style="font-size: large;"><img border="0" height="400" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhm-8tZhZtvGV1LWlkO7HZzHN9qbC0y6jDYo3Nxey4GM_RtOppD8TCFPNAsS9Nx2UWUwT9pGHbBLN21m5Do5fktD-3ZBmOSOQF1kZIebT24F01jO1m6wwi7muZsIzTpebN1GzkbMhGXarQ/s400/bookcover2.jpg" width="269" /></span></a><span style="font-size: large;"></span></div>
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<span style="font-size: large;">Tahun 1827 merupakan permulaan detik Anira selepas peristiwa suaminya meninggal dunia dibaham harimau. Selepas pemergian suaminya itu, Anira hidup sebatang kara, kais pagi makan pagi kais petang makan petang dalam membesarkan anak perempuan kesayangannya, Hartini, seorang diri. Dengan ketidakupayaan yang dihadapinya, Anira sukar untuk mendapatkan sebarang pekerjaan. Untuk membesarkan dan menyuap sesuap rezeki kepada Hartini adalah sukar. Namun, langit tidak selalunya mendung. Suatu ketika, Anira menerima bantuan daripada seorang saudagar jutawan kacak yang ikhlas berniat untuk membantu orang susah seperti Anira. Rupa paras dan kebaikan budi pekerti saudagar itu membuatkan Anira jatuh padanya. Akan tetapi selepas saudagar jutawan tersebut mengetahui tentang perasaan Anira, dia mula memulaukan Anira. Tiada siapa yang peduli tentang perasaan seorang janda hodoh yang sudah menjangkau usia 44 tahun seperti Anira. </span><br />
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<span style="font-size: large;">Hati Anira yang hancur ditolak oleh saudagar jutawan itu mendorongnya untuk bertemu dengan seorang dukun, </span><span style="background-color: white; color: #4d5051; font-family: "raleway" , sans-serif;">bertekad untuk mempunyai kecantikan seperti yang diingini. Dia menurut segala perbuatan dukun tersebut; memasukkan paku di belakang tengkok Anira dan memaksa Anira minum semangkuk darah dan memakan jantung lelaki. Serta merta Anira bertukar wajah menjadi seorang wanita muda yang cantik jelita. Kecantikannya kini membuatkan saudagar jutawan yang pernah menolak cintanya juga kini amat tergila-gilakan Anira.</span></span></div>
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<span style="font-size: large;">Akan tetapi, kecantikan yang diperoleh oleh Anira kini hanya mampu bertahan selama semalaman atau dalam masa 24 jam sahaja. Selepas tamat tempoh itu, Anira akan kembali menjadi hodoh seperti sediakala. Anira mula tamak dan terdesak. Keinginannya untuk menjadi cantik membuak-buak; meminta untuk dipenuhi. Oleh itu Anira mengambil tindakan drastik dengan membunuh manusia setiap hari. Desakan itu semakin lama semakin kuat, membaham diri sebenar Anira, mengakibatkan dia terpaksa akur dengan desakan diri sendiri. Akan tetapi, Anira semakin cuai dan akhirnya, perbuatan kejinya yang membunuh manusia tanpa henti telah disaksikan oleh orang-orang kampung.</span></div>
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<span style="font-size: large;">Orang kampung yang dalam kemarahan membakar rumah Anira, dan Hartini yang sedang tidur di dalam rumah terkorban – dibakar hidup-hidup. Anira yang dalam kesedihan dan kemarahan yang meluap-luap mengambil langkah membunuh semua penghuni kampung. Dan daripada situ, Anira mula sedar bahawasanya dia tidak seperti manusia biasa lagi.</span></div>
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<span style="font-size: large;">Akan tetapi Anira tidak pernah menyesal dan tidak mahu berhenti. Keinginannya untuk berterusan menjadi cantik harus dipenuhi, mengakibatkan Anira terpaksa bergerak daripada satu kampung ke kampung yang lain untuk membunuh korban daripada mangsa lelaki. Setiap kali Anira membunuh juga, kuasanya semakin bertambah dan semakin kuat.</span></div>
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<span style="font-size: large;">Taksubnya pada kecantikan tidak akan pernah padam. Nafsunya pada darah tidak akan pernah puas. Itulah sumpahan Anira… hingga akhir hayat.</span></div>
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<b><span style="color: red; font-size: large;">Buku ini boleh didapti di:</span></b></h4>
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hafizsteenhttp://www.blogger.com/profile/03560640567271039443noreply@blogger.com0tag:blogger.com,1999:blog-5054197939325882023.post-26459239695423605852015-04-27T01:55:00.000-07:002015-04-27T01:55:23.229-07:00So what are Investment Link Policies and is it suitable for me?<!--[if gte mso 9]><xml>
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<b style="mso-bidi-font-weight: normal;"><u><span style="font-family: "Times New Roman","serif"; font-size: 20.0pt; mso-fareast-font-family: "Times New Roman";">So what are Investment Link Policies?</span></u></b></div>
<div class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;">
<span style="font-family: "Times New Roman","serif"; font-size: 20.0pt; mso-fareast-font-family: "Times New Roman";">Investment Link Policies or ILPs combines
investment with insurance. It is different from the other plans in a way that
you can decide on how much you want to pay for your premium, and the minimum is
usually about $100 a month. Based on your premium amount, you can decide on how
much coverage you want to get. Part of the premium will be allocated to pay for
your mortality charges and the rest will be used to purchase investment funds of
your choice. For example:</span></div>
<div class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;">
<span style="font-family: "Times New Roman","serif"; font-size: 20.0pt; mso-fareast-font-family: "Times New Roman";">* You’ve decided to pay $100 a month
with coverage of $100000 for death and TPD. <span style="mso-spacerun: yes;"> </span>And at your current age, your mortality charges
for $100000 are around $10. Like term insurance, your mortality charges will
increase as you grow older</span></div>
<div class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;">
<span style="font-family: "Times New Roman","serif"; font-size: 20.0pt; mso-fareast-font-family: "Times New Roman";">Then there is another $10 that needs
to be deducted for all the admin, sales and other miscellaneous charges which
equates to $80</span></div>
<div class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;">
<span style="font-family: "Times New Roman","serif"; font-size: 20.0pt; mso-fareast-font-family: "Times New Roman";">The rest of your $80 will then be
invested into the funds of your choice. Usually, there is a big list of funds
for you to choose and each fund are different from each other with different
risk profile. Some funds are more volatile which means the prices can fluctuate
sharply and regularly anytime. This means there is a possibility of doubling
your capital or losing all of it in a short period of time. There are also
funds which are relatively stable and despite of the current economic
situation, the price of these funds will always fluctuate a little. </span></div>
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<span style="font-family: "Times New Roman","serif"; font-size: 20.0pt; mso-fareast-font-family: "Times New Roman";">The type of funds will be
recommended to you by your financial adviser based on your risk appetite and
you can have a mix of both. Alternatively, if you have done your research, you
can make your own choices</span></div>
<div class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;">
<b style="mso-bidi-font-weight: normal;"><u><span style="font-family: "Times New Roman","serif"; font-size: 20.0pt; mso-fareast-font-family: "Times New Roman";">So what are the Pros and Cons of an Investment Linked Plan?</span></u></b></div>
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<span style="font-family: "Times New Roman","serif"; font-size: 20.0pt; mso-fareast-font-family: "Times New Roman";">* Pros: <span style="mso-spacerun: yes;"> </span>ILPs are flexible as you can decide on the
amount of premium that you’re comfortable with. And for that same amount of
premium, you can decide on the amount of your coverage. Of course, the lower
the coverage, the higher your returns, vice versa</span></div>
<div class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;">
<span style="font-family: "Times New Roman","serif"; font-size: 20.0pt; mso-fareast-font-family: "Times New Roman";">* Cons: The returns ARE NON- GUARANTEED.
Even though the projected return rates in ILPs are reflected as 4% and 8% every
year whereby life insurance is 3.25% and 5.25% every year. From those numbers,
anybody will think ILP may give higher returns and higher coverage for even
cheaper premium. But let me stress this again, those are just projected or in
layman’s terms, estimated rates of return. They are Non- Guaranteed.</span></div>
<div class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;">
<b style="mso-bidi-font-weight: normal;"><u><span style="font-family: "Times New Roman","serif"; font-size: 20.0pt; mso-fareast-font-family: "Times New Roman";">Are ILPs suitable for me?</span></u></b></div>
<div class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;">
<span style="font-family: "Times New Roman","serif"; font-size: 20.0pt; mso-fareast-font-family: "Times New Roman";">If you are in your 20s - 30s, you
have the money and you are familiar with investment or open to investments (Even
though you are alien to investments) go for ILPs. Your financial services
consultant aka. Insurance agents are obligated to explain clearly about ILPs and
make sure that you understand everything before you even sign on the dotted
line. Just remember the rate of return for ILP compared to life insurance is
more volatile. Profits and loss is part and parcel of investment. If you cannot
take the risk of losing little money let alone maybe half your capital, please don’t
even consider ILP.</span></div>
<div class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;">
<span style="font-family: "Times New Roman","serif"; font-size: 20.0pt; mso-fareast-font-family: "Times New Roman";">Well if you are in your 40s - 50s,
is life insurance still worth it? I would think term insurance is a better
option because buying Investment Linked Plans at the age of 40 and above can
cost 5 times more than a term insurance due to its high mortality charges.
Given that you will be paying for at least the next 20-30 years, it’s not worth
it at all. But in any case, compare the 2 plans. Remember not to just look at
the amount of premium you are paying for now, look at the total amount you will
be paying out for at least 10 years.</span></div>
<span style="font-family: "Times New Roman","serif"; font-size: 20.0pt; line-height: 115%; mso-ansi-language: EN-US; mso-bidi-language: AR-SA; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-US;">If you have any questions about ILPs and wish to
look into it further, please call me, Fauzi at 92394654 for a non-obligatory
chat</span>hafizsteenhttp://www.blogger.com/profile/03560640567271039443noreply@blogger.com0tag:blogger.com,1999:blog-5054197939325882023.post-84648541200438363202015-04-24T01:05:00.005-07:002015-04-24T01:05:49.549-07:00fragranceshop.coms<a href="http://www.dpbolvw.net/click-7065677-10777007-1272408654000" target="_top">10,000+ Perfumes at Great Prices + Free Shipping! - FragranceShop.com</a><img border="0" src="http://www.tqlkg.com/image-7065677-10777007-1272408654000" height="1" width="1" />hafizsteenhttp://www.blogger.com/profile/03560640567271039443noreply@blogger.com0tag:blogger.com,1999:blog-5054197939325882023.post-35204467371102108062013-12-26T08:21:00.001-08:002013-12-26T08:21:01.956-08:00godaddy<a href="http://www.tkqlhce.com/click-5957123-11368591" target="_top">SPECIAL OFFER! Save 50%* on Hosting Plans</a><img border="0" height="1" src="http://www.awltovhc.com/image-5957123-11368591" width="1" />hafizsteenhttp://www.blogger.com/profile/03560640567271039443noreply@blogger.com0tag:blogger.com,1999:blog-5054197939325882023.post-40951572196348556792013-12-23T17:44:00.001-08:002013-12-23T17:44:48.495-08:00pulai<a href="http://www.dpbolvw.net/click-7065677-10697788" target="_top">Hotelopia Deep Link Editor</a><img src="http://www.tqlkg.com/image-7065677-10697788" width="1" height="1" border="0"/>hafizsteenhttp://www.blogger.com/profile/03560640567271039443noreply@blogger.com0tag:blogger.com,1999:blog-5054197939325882023.post-59724907146866360422013-01-31T00:54:00.002-08:002013-01-31T00:54:33.877-08:00godaddy<a href="http://www.jdoqocy.com/click-5957123-10378406" target="_top">www.GoDaddy.com </a><img src="http://www.lduhtrp.net/image-5957123-10378406" width="1" height="1" border="0"/>hafizsteenhttp://www.blogger.com/profile/03560640567271039443noreply@blogger.com0tag:blogger.com,1999:blog-5054197939325882023.post-71346199125864131492012-12-20T00:30:00.001-08:002012-12-20T00:30:07.999-08:00expedia<a href="http://www.kqzyfj.com/click-5957123-10704874" target="_top">Book early and save! Find special deals in hot destinations only at Expedia.com!</a><img src="http://www.ftjcfx.com/image-5957123-10704874" width="1" height="1" border="0"/>hafizsteenhttp://www.blogger.com/profile/03560640567271039443noreply@blogger.com0tag:blogger.com,1999:blog-5054197939325882023.post-66516348454101965462012-11-13T18:20:00.001-08:002012-11-13T18:20:52.602-08:00camera<a href="http://www.tkqlhce.com/click-5957123-10804695?url=http%3A%2F%2Fwww.digitalrev.com%2Fproduct%2Fcanon-eos-650d-with-18%2FMTAwMDkzNw_A_A&cjsku=1000937" target="_top">
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<a href="http://www.jdoqocy.com/click-5957123-10699215" target="_top">Wordpress & Go Daddy Hosting - A Winning Combination For Your blog!</a><img src="http://www.ftjcfx.com/image-5957123-10699215" width="1" height="1" border="0"/>hafizsteenhttp://www.blogger.com/profile/03560640567271039443noreply@blogger.com0tag:blogger.com,1999:blog-5054197939325882023.post-88679261794124350072012-10-15T19:22:00.001-07:002012-10-15T19:22:12.630-07:00<script language="javascript" src="http://www.qksz.net/1e-l8ab" type="text/javascript"> </script>hafizsteenhttp://www.blogger.com/profile/03560640567271039443noreply@blogger.com0tag:blogger.com,1999:blog-5054197939325882023.post-65240627531329752902011-06-08T18:02:00.001-07:002011-06-08T18:02:37.126-07:00<iframe src="http://www.youtube.com/embed/suG55htBQx4" frameborder="0" width="425" height="349"></iframe>hafizsteenhttp://www.blogger.com/profile/03560640567271039443noreply@blogger.com0tag:blogger.com,1999:blog-5054197939325882023.post-71327793556188044532011-05-30T17:25:00.000-07:002011-05-30T17:26:40.452-07:00<iframe src="http://www.youtube.com/embed/-sel2Svqscc" frameborder="0" width="425" height="349"></iframe>hafizsteenhttp://www.blogger.com/profile/03560640567271039443noreply@blogger.com0tag:blogger.com,1999:blog-5054197939325882023.post-195566641388673622011-05-22T21:53:00.001-07:002011-05-22T21:53:49.496-07:00<iframe width="425" height="349" src="http://www.youtube.com/embed/wzW-4cDktB4" frameborder="0" allowfullscreen></iframe>hafizsteenhttp://www.blogger.com/profile/03560640567271039443noreply@blogger.com0tag:blogger.com,1999:blog-5054197939325882023.post-56859833414364509872011-05-15T20:05:00.000-07:002011-05-15T20:06:02.850-07:00<iframe width="425" height="349" src="http://www.youtube.com/embed/6YgHBI5BLcE" frameborder="0" allowfullscreen></iframe>hafizsteenhttp://www.blogger.com/profile/03560640567271039443noreply@blogger.com0tag:blogger.com,1999:blog-5054197939325882023.post-2022678426550468812011-05-11T20:09:00.000-07:002011-05-13T13:30:41.038-07:00<iframe src="http://www.youtube.com/embed/1XvEw7LQ9X0" allowfullscreen="" frameborder="0" height="349" width="425"></iframe>hafizsteenhttp://www.blogger.com/profile/03560640567271039443noreply@blogger.com0tag:blogger.com,1999:blog-5054197939325882023.post-13363632876148138892008-04-17T10:11:00.000-07:002008-04-17T10:12:23.373-07:00"Hu" Is The New Leader Of China<div style="text-align: center;"><object width="425" height="355"><param name="movie" value="http://www.youtube.com/v/DZA4J1f_NFw&hl=en"></param><param name="wmode" value="transparent"></param><embed src="http://www.youtube.com/v/DZA4J1f_NFw&hl=en" type="application/x-shockwave-flash" wmode="transparent" width="425" height="355"></embed></object><br /></div>hafizsteenhttp://www.blogger.com/profile/03560640567271039443noreply@blogger.com1tag:blogger.com,1999:blog-5054197939325882023.post-41167744804283299522007-11-30T17:34:00.001-08:002007-11-30T17:45:42.527-08:00Kung Fu Photographers<div style="text-align: center;"><span style="font-family:Verdana;font-size:78%;"><span style="font-size: 9pt; font-family: Verdana;"><b><span style="color:blue;"><span style="color: blue; font-weight: bold;">Photographers adopt different positions for a good picture shot... the best is the last photograph! </span></span></b></span></span></div><br /><a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="http://2.bp.blogspot.com/_9JcrwgfoHKU/R1C8Z4EEmQI/AAAAAAAAA1I/NsLROzCobS4/s1600-R/image016.jpg"><img style="margin: 0px auto 10px; display: block; text-align: center; cursor: pointer;" src="http://2.bp.blogspot.com/_9JcrwgfoHKU/R1C8Z4EEmQI/AAAAAAAAA1I/Ns3yKPJJa_M/s400/image016.jpg" alt="" id="BLOGGER_PHOTO_ID_5138814327561951490" border="0" /></a><br /><a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="http://2.bp.blogspot.com/_9JcrwgfoHKU/R1C8Z4EEmRI/AAAAAAAAA1Q/nA4sGaP9DVw/s1600-R/image017.jpg"><img style="margin: 0px auto 10px; display: block; text-align: center; cursor: pointer;" src="http://2.bp.blogspot.com/_9JcrwgfoHKU/R1C8Z4EEmRI/AAAAAAAAA1Q/ORD5klcY0f0/s400/image017.jpg" alt="" id="BLOGGER_PHOTO_ID_5138814327561951506" border="0" /></a><br /><a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="http://3.bp.blogspot.com/_9JcrwgfoHKU/R1C8aIEEmSI/AAAAAAAAA1Y/Ng8_8ncMXxA/s1600-R/image018.jpg"><img style="margin: 0px auto 10px; display: block; text-align: center; cursor: pointer;" src="http://3.bp.blogspot.com/_9JcrwgfoHKU/R1C8aIEEmSI/AAAAAAAAA1Y/8b0zwd2NtR8/s400/image018.jpg" alt="" id="BLOGGER_PHOTO_ID_5138814331856918818" border="0" /></a><br /><br /><a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="http://2.bp.blogspot.com/_9JcrwgfoHKU/R1C7D4EEmLI/AAAAAAAAA0g/8KRmdN4-BFY/s1600-R/image011.jpg"><img style="margin: 0px auto 10px; display: block; text-align: center; cursor: pointer;" src="http://2.bp.blogspot.com/_9JcrwgfoHKU/R1C7D4EEmLI/AAAAAAAAA0g/lcMpqMl9UGo/s400/image011.jpg" alt="" id="BLOGGER_PHOTO_ID_5138812850093201586" border="0" /></a><br /><a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="http://3.bp.blogspot.com/_9JcrwgfoHKU/R1C7EIEEmMI/AAAAAAAAA0o/hvejuAe53_o/s1600-R/image012.jpg"><img style="margin: 0px auto 10px; display: block; text-align: center; cursor: pointer;" src="http://3.bp.blogspot.com/_9JcrwgfoHKU/R1C7EIEEmMI/AAAAAAAAA0o/9qdP5bwE9BI/s400/image012.jpg" alt="" id="BLOGGER_PHOTO_ID_5138812854388168898" border="0" /></a><br /><a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="http://3.bp.blogspot.com/_9JcrwgfoHKU/R1C7EIEEmNI/AAAAAAAAA0w/3ROd6ck4t-o/s1600-R/image013.jpg"><img style="margin: 0px auto 10px; 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