AMANAH SAHAM NASIONAL

Kemaskini!!!

Majlis Fatwa Kebangsaan telah memutuskan bahawa pelaburan di dalam ASB dan ASN adalah harus hukumnya. Keputusan ini dibuat oleh Muzakarah Jawatankuasa Fatwa Majlis Kebangsaan Bagi Hal Ehwal Islam Malaysia ke-80 di Kuala Terengganu yang dipengerusikan oleh Prof Datuk Dr Abdul Shukor Husin di dalam program yang berlangsung selama 3 hari itu iaitu dari 1-3 Februari 2008 yang lalu. Klik di sini untuk berita lanjut.

Posting Asal!!!

Hari ini pengurus dana terbesar negara PNB telah mengumumkan dividen sebanyak 5.2 sen seunit bagi salah satu produknya iaitu Amanah Saham Nasional 2 (ASN 2). Sebagai sebuah firma pengurus dana terbesar yang mampu menarik dana sehingga RM100 billion dan membuat pelaburan di dalam lebih 360 syarikat, saya berpendapat ianya bukan calang-calang organisasi. sudah tentunya ia telah diuruskan sekumpulan pengurusan yang pakar-pakar belaka.

PNB amat sinonim di kalangan bumiputera kerana menyediakan peluang pelaburan secara runcit kepada pelabur-pelabur bermodal kecil. Seperti mana yang sedia maklum, majoriti bumiputera adalah orang Islam tetapi PNB dilihat mempunyai sedikit kekurangan apabila masih gagal memperkenalkan produk yang mematuhi syariah. Saya tidak tahu mengapa. Kalau hendak dikatakan produk yang mematuhi prinsip syariah tidak berdaya maju, bagaimana pula pengurus-pengurus dana swasta berlumba-lumba memperkenalkan produk-produk yang khusus untuk orang Islam ini seperti Public Mutual dengan Public Ittikal nya dan CIMB Wealth Advisor dengan SBB Dana Al-Azam (sekadar beberapa contoh).

Sebagai seorang muslim saya berharap PNB dapat memperkenalkan produk-produk yang mematuhi syariah dengan secepat mungkin supaya pelabur-pelabur mikro seperti saya dapat juga membuat pelaburan.

BETA AGONIST

Any of you familiar with that?

According to wikipedia it is kind of drug used to treat asthma and other pulmonary disease. it act by causing smooth muscle relaxation resulting in dilation of bronchial passages, vasodilation in muscle and liver, relaxation of uterine muscle and release of insulin.

Any person who consume it likely to have side effects such as insomnia, anxiety, and tremor occur in some patients. All Beta agonists are available in inhaler form (either metered-dose inhalers, which aerosolize the drug, or dry powder which can be breathed in).

it heard that some of our fish and meat we consume everyday have been added with this drug. It is believe that some traders have added it so that all fish and all type of meat look attractive to consumers.

below is the extraction from website myhealth.com.my regarding to beta agonist (pls click on title for the full version )

.......pigs are not the only farm animals fattened with banned growth boosters. Beef, mutton and duck meat have also been found to contain beta-agonist in tests conducted by the Universiti Sains Malaysia Doping Control Centre (DCC).
The Ministry of Health’s food control division has detected it in beef.
Random tests by the DCC confirm that cattle, goats and poultry have been fed with Salbutamol, the most commonly used beta-agonist.
DCC science officer Mohd Azman Ibrahim told the New Straits Times that about two per cent of over 100 samples received monthly by the laboratory had traces of Salbutamol.
Beef, mutton, and buffalo and duck meat make up 20 per cent of the monthly samples.
"This is worrying as the samples were taken at random. Many more would have gone undetected."
"Since the DCC was set up 10 years ago, things have taken a turn for the worse," he said.
"Even duck farmers use Salbutamol while those rearing chicken inject their livestock with banned cancer-causing antibiotics such as chloramphenicol and nitrofuran."

sound scary isn't it?

look like the above pork seller know how to attract their customers.

CALL MAN OR CONMAN

The business is relate to the road accident. When people involved in road accident there are group of people who will make money. This is call man or con man. Have u ever involved in road accident? what's your experience? in less than 10 minutes, out of nowhere, you will be surrounding by people who have walkie talkie in their hand and driving car with long or unique antenna. they will persuade you to bring your broken down car to their workshop. actually these people are only act as agent to the workshop. any case they bring to the workshop and they will be paid up to thousands depend on type of car or level of damages.

these people will wait for road accident in accident prone area every where. what is nightmare....sometime there are certain group of people ( not all) do the accident to get the case. this people will hire a person just to drive recklessly in order to bring unsafe traffic condition to other motorist. similar case of pouring nail on the road in motocycle lane to earn living . what a dirty job. you know..people will do everything to make ends meet clean or dirty.

road accident related business is considered lucrative industry. when one involved in accident..call man will call towing truck to bring the car get into workshop...call man and towing operator get paid...when car already inside and file opened....workshop will doing their job...calling adjuster to inspect the damages and make exorbitant claims with insurer and get paid....car owners will never know what's workshop have claimed..certain workshop also when not satisfy with the level of damages will add up damages by crashing the windscreen and etc (true experience from friend of mine) in order to prolong the list of broken down components. car owners also blamed for underinsured of their car (example : car value at 50K but insured less than that) when the some of the claims wasn't approved by insurer and have to self pay for part of it. it is not include the story of owners have to pay excess and betterment.

we already heard that insurers under PIAM proposed to government to increase the premium in order to cover the cost of reimbursement. look like the burden is going to be passed to the car owners. IT'S NOT FAIR.

the insurer must get into this problem thoroughly and find out where is the dark side of the story?

who are the real predator here?
call man...workshop...or insurer
and who is the prey?
....you the vehicle owner...

what is your comment everybody?

above picture is only for illustration

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