Happy Teachers Day to all teachers, educators, lecturers, tutors who have inspired and motivated us.
"Teacher they inspire you, they entertain you, and you end up learning a ton even when you don’t know it”
We make insurance easy. easicircle's insurance plans are simple, flexible, and easy to purchase.
Happy National Youth Day!!
15 May 2014
To all Malaysian youths. Let us work together and unite for the nation!
Want To Be More Creative? Take a walk!
9 May 2014
People who rely on walks to overcome writer’s block or solve a tricky problem seem to have it right, because new research suggests that walking has a positive effect on creative thinking whether indoors or outdoors can encourage creative thought.
Researchers at Stanford University’s Graduate School of Education conducted experiments on 176 people and found that participants who walked, rather than sitting or being pushed in a wheelchair, gave more creative responses on tests used to measure creative thinking.
The study found that walking indoors or outdoors similarly boosted creative inspiration. The act of walking itself and not the environment was the main factor. Across the board, creativity levels were consistently and significantly higher for those walking compared to those sitting.
While researchers have long known that extended aerobic exercise can inspire creativity, researchers at Stanford University set out to see if a more practical exercise prescription. By taking a short walk could have a similar effect.
Health benefits of walking
It’s good for your health
Walking is a great way to improve or maintain your overall health. Just 30 minutes every day can strengthen bones, increase cardiovascular fitness, reduced risk of heart disease and stroke, reduce excess body fat, and boost muscle power and endurance.
It reduces stress
More energy and less fatigue? There’s something to lower your stress levels. Taking regular 20 minutes walking outdoors has also been shown to improve energy levels. A short, brisk walk can do wonders for shifting your attention away from the days challenges and toward appreciating the present moment.
It makes you happy
You're never too old to walk. The ability of exercise to boost mood is undisputed. Study have shown brisk walking also can be effective as antidepressants in cases of mild to moderate depression.
Let’s include walking into your daily routine:
- Walk everywhere you can instead of driving to go to the nearest shops
- Give your house a power cleaning like vacuuming or dusting
- Take the stairs instead of the lift or escalators
- Get off a public transport to work place and home
- Do a regular walk with friend
Sources From:
How To Prevent Aging?
8 May 2014
7 Healthstyle Tips to Prevent Aging and Stay Young
These days there is a huge market for products that help prevent aging, but the fact and the best way is that you can probably making some simple lifestyle changes. You can slow down age-related changes by living a healthy lifestyle. Physical and mental changes brought on by age are inevitable.
Everyone wants to conserve their youth and look young forever. Before you consider the extremes of botox, collagen, and other plastic surgery methods. However the natural ways is more effective to prevent aging by feed, rest, and recharge your body right. Live more days like this to roll back the years and prevent aging.
1. Don’t Smoke
Smoking add years to your physical and mental well-being. Smoking also is one of the easiest ways to look older than you are really are and shorten your life, at the same time exposing you to a variety of diseases such as heart attack, lung cancer, and stroke.
2. Get Enough Sleep
Everyone needs to sleep because a good night’s sleep helps keep your mind and body healthy. The first step to improving the quality of your rest is finding how much sleep you need. Most adults need 7 to 8 hours of sleep each night in order to regenerate energy.
3. Drink Plain of Water
Your body is 60% water and daily activities deplete this resource which must be replenished. Many health experts who suggested to drink 8 glasses of water a day. Don’t forget that water can also dispose of toxins from the body including the skin. Drinking enough water can make our skin more radiant, healthy and fresh throughout the day.
4. Avoid Stress
Everyone has stress in their life and if you can learn to control it then you will find your life much more better. One thing you should do is get organized. Poor time management can cause a lot of stress. Manage your schedule and daily task by write to-do-list with everything you need to do that day.
5. Exercise
Exercise will get blood pumping and oxygen circulating throughout the body which help keep the brain in good shape. For regular exercise or physical activity can help you lose weight, refresh your mind and reduce your risk of developing chronic diseases. Just 20 to 30 minutes of any physical activity at least three times a week.
6. Eat well
Don’t try and completely change your eating habits right away. Try to start with salad or a piece of fruit per day. Once you get comfortable with that, you can get use to it by having healthy meal. More effective, if you practice to eat at home rather than eat outside.
7. Be Happy
You don’t stop laughing because you grow old but you grow old because you stop laughing. Smiling even makes your immune system stronger by making your body produce blood cells to help fight illnesses. Smiling and laughing also can have a positive effect on your well-being. When you smile or laugh a number of physiological changes occur in your body without you aware of it happening.
Takaful and Syariah Compliant
7 May 2014
Syariah Compliant
Read more ...
The concept requires considerable effort to implement, since much attention must be paid to compliance with the Shariah principles, both at the fund operations level and for all underlying investments.
Shariah-Compliant funds are prohibited from investing in companies which derives income from the sales of alcohol, pork products, pornography, gambling, military equipment or weapons. Shariah allows for a small portion of an investment's income to come from prohibited sources, though a Shariah-Compliant fund cannot profit from this income. Instead, it must separately account for these earnings and donate them to a charity.
This type of cooperative insurance would be Shariah compliant, because it is a form of cooperating on piety and good deeds. There is no taking advantage of those who are sick, or who have had a car accident, or a house fire, by raising their premiums or denying them coverage. It is simply a large group of people who get together to help each other when one of them faces the difficult circumstances that always come with filing an insurance claim.
Takaful
The concept of takaful (Islamic insurance) was first introduced in Malaysia in 1985 when the frist takaful operator was established to fulfill the need of the general public to be protected based on the islamic principles.
Muslim jurists are of the opinion that the operation of conventional insurance does not conform to the rules and requirements of Shariah as it involves the elements of uncertainty (Gharar) in the contract of insurance, gambling (Maisir) as the consequences of the presence of uncertainty and interest (riba) in its investment activities.
Takaful is an insurance concept in Shariah whereby a group of participants mutually agree among themselves to guarantee each other against a defined loss or damage that may inflict upon any of them by contributing as tabarru’ or donation in the takaful funds.
Tabarru’ is the agreement by a participant to relinquish as donation, a certain proportion of the takaful contribution that he agrees or undertakes to pay, thus enabling him to fulfill his obligation of mutual help and joint guarantee should any of his fellow participants suffer a defined loss. The concept of tabarru’ eliminates the element of uncertainty in the takaful contract.
The sharing of profit or surplus that may emerge from the operations of takaful is made only after the obligation of assisting the fellow participants has been fulfilled. Thus, the operation of takaful may be envisaged as a profit sharing business venture between the takaful operator and the individual members of a group of participants.
Takaful operations are regulated and supervised by BNM since 1988 with the appointment of the BNM Governor as the Director-General of Takaful. In October 1995, the ASEAN Takaful Group (ATG), a grouping of takaful operators in Brunei, Indonesia, Malaysia and Singapore was formed to enhance mutual co-operation and to facilitate the exchange of business among takaful operators in ASEAN.
In 1997, the Malaysian takaful industry took a leap forward with the formation of ASEAN Retakaful International (L) Ltd. (ARIL) as an offshore retakaful company in Labuan. The establishment of ARIL was to create a vehicle for more dynamic retakaful exchanges among ATG members and provides additional retakaful capacity to further reduce their dependence on conventional reinsurance.
Sources From:
Don't Miss This Great Offer!!
6 May 2014
Good News to All of You...
One of the highly anticipated promotions in easicircle is back now! Free Gift Promotion!
What You Need to Do?
Just introduce 3 friends to purchase Life Star Series 100 and Get 1 Appeton Essentials Activ-C 250mg for Free.
For more info please visit our website at https://www.easicircle.com
Subscribe to:
Posts (Atom)