7 Tips to Minimize The Effect of Hot Weather On Health

1. Don’t wait until you thirsty to drink. Drink more water even you don’t feel thirsty.

2. Avoid or limit outdoor activities. If you have to, please using umbrella or cap to protect yourself from UV rays.

3. Wear lightweight, light colored and loose fitting outfit.

4. Take an isotonic drinks. It help to replace the  salt and minerals that you lose in sweat.

5. Avoid drink that contain caffeine, alcohol, or high amount of sugar.

6. Avoid exercise in hot day, stay indoor.

7. Take frequent rest

Image source:

http://www.kansascity.com/news/local/v64hyl/picture8546621/ALTERNATES/FREE_960/APTOPIX%20Winter%20Weathe_Schu(1).jpg

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An Anti-Inflammatory Diet For Pain Relief

1. Enough Sleep & Avoid Stress

• It is important for a person to get quality sleep at least  7-8 hours a daily. If you can’t manage your stress well, it will lead you to depression. Stress triggers inflamation! Some research suggest that inflammation can play significant role in the development of depression.

2. Supplements

• Supplements and vitamins also play an important towards your body because it can help to fight inflammation throughout your body. Supplement and vitamins that should try is Omega-3 fatty acids, fish oil and vitamin b complex. 

3. Avoid Process Food

• Usually people more prefer to choose fast food or process food as their daily meal because most people prefer to stick with the faster option. However it is, you need minimize your consumption of processed foods and fast food.

4. Herbs & Spices

• Include herbs and spices in your daily meal. Spice it up! Ginger, garlic, turmeric, curry powder and others spices can have an anti-inflammatory outcome.

5. Fruits & Vegetables

• The most important is whether you like it or not you have to eat plenty of antioxidant-rich fruits and vegetables. It helps your body to fight free radicals that can stimulate inflammatory.

Image source:
http://www.drweil.com/ecs/images/anti-inflammatory-food-pyramid.jpg

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Mengapa Anda Perlu Insurans Perjalanan?

Pernah atau tidak terlintas difikiran anda soal keselamatan diri atau sakit yang bakal menimpa diri sewaktu anda memulakan perjalanan ke luar atau dalam negara, sama ada untuk bercuti atau atas urusan kerja.

Oleh seba itu, insurans perjalanan adalah penting dan diperlukan demi melindungi diri anda daripada risiko yang tidak dijangka seperti kemalangan, sakit, kecederaan, kehilangan bagasi, penangguhan penerbangan atau bagasi, kehilangan dokumen perjalanan dan pembatalan penerbangan. 

Insurans perjalanan juga penting buat anda yang kerap mengembara di dalam atau di luar negara supaya anda tidak lagi bimbang soal kebajikan diri. Tidakkah anda berasa lebih selamat dan terjamin walaupun anda berada jauh beribu batu jauh dari rumah anda.

Malah anda juga boleh memilih polisi tahunan jangka panjang jika anda sering membuat perjalanan. Di mana menerusi insurans perjalanan, perlindungan biasanya akan diberikan terhadap sebarang perkara yang berlaku di luar jangkaan seperti kemalangan diri, kemalangan maut, hilang keupayaan, kelewatan atau hilang bagasi, hilang dokumen perjalanan, perbelanjaan perubatan dan penghantaran pulang jenazah.  

Walau bagaimanapun anda perlu terlebih dahulu tahu dan memahami bahawa insurans perjalanan adalah bukan suatu bentuk pelaburan namun ianya adalah suatu biaya. Ini bermakna jika tidak ada perkara atau sebarang masalah berlaku ke atas diri anda maka duit tidak akan dikembalikan.

Apapun perlu diingat setiap polisi insurans akan menetapkan syarat-syarat dan peraturan yang perlu dipatuhi oleh setiap pemegang polisi. Malah, tuntutan pampasan juga perlu mengikut syarat dan peraturan yang telah ditetapkan.

Oleh yang demikian amat penting bagi anda yang ingin membeli perlindungan insurans supaya baca terlebih dahulu kandungan manfaat polisi serta syarat-syarat dan peraturan-peraturan yang termaktub supaya tidak akan timbul sebarang masalah sewaktu membuat tuntutan pampasan kelak. 

Sumber foto:

http://scontent-a.cdninstagram.com/hphotos-xaf1/t51.2885-15/e15/10895229_810226725679783_1013184052_n.jpg

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Personal Accident Insurance: Occupation From All Classes Can Be Protected.

Protect yourself! Great opportunity! Now employees of class 3 also can be protected with personal accident insurance. Occupation Class 3 refers to person engaged either occasionally or generally in manual work which involves in use of tools or machinery. Usually if you look at most of the personal accident insurance in mass market they only protects occupation that belong to the class 1 and 2.

Introducing Golden Protection, personal insurance Underwritten by Asia Specialty Insurance Limited which specially designed for all classes of occupation. This policy provides compensation up to USD 30,000 in the event of accidental death or permanent disablement due to accident. 

It can help mitigate risk associated with working outdoors, and can safeguard your family’s financial future. Besides covering accidents, this policy also covers funeral and repatriation expenses that ensuring your family has one less thing to worry about when the time comes. 

This policy also covers funeral expenses due to accident subject to maximum of USD 600.00 only. Covers repatriation expenses due to accident (i.e. cost transportation of mortal remains to the insured home) subject to  maximum of USD 2,000.00 only.

Personal accident insurance or PA insurance which provides compensations in the event of disability or death caused solely by violent, accidental, external and visible events. This plan provides 24-hour worldwide and protecting you anywhere in the world, any time of the day. 

This type of insurance is suitable if you’re employed or self-employed and want to protect your earnings or if you want to have additional financial protection in the event of an accident. 

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6 Cara Mudah Urus Kewangan Anda

Apabila tiba hujung bulan ramai antara kita sering mengalami masalah untuk mengurus pendapatan secara bijak. Ini kerana, ada yang sering kali terlebih belanja hingga terguna pakai duit yang sepatutnya dikeluarkan untuk  membayar komitmen bulanan. Hal ini pasti sering kali terjadi kepada ramai orang di luar sana bukan?

Memikirkan komitmen atau hutang bulanan tetap yang banyak perlu dibayar seperti rumah, kereta, bil telefon, pinjaman pendidikan, duit makan, minyak, tol, dan parking. Selepas ditolak segala komitmen atau kata nama lainnya hutang, akhirnya yang tinggal hanya suku daripada gaji.

Persoalannya bagaimana untuk menyimpan? Adakah bekerja hanya untuk membayar hutang bulanan semata dan tidak perlu berhibur, berbelanja membeli pakaian baru sebagai terapi atau ganjaran buat diri sendiri setelah sebulan penat bekerja. Masalah ini pasti sering membelenggu golongan muda yang baru memulakan kehidupan dalam bidang pekerjaan.

Masalah kewangan boleh menimpa sesiapa sahaja. Tidak kira mereka daripada golongan sederhana mahupun kaya. Sesiapa sahaja mempunyai risiko untuk dibebani hutang jika tidak tahu menguruskan kewangan secara berhemah. Namun melalui pengurusan kewangan yang bijak anda pasti mampu merancang pendapatan dengan baik.

Berikut 6 tip yang  boleh dijadikan panduan dalam mengurus kewangan anda secara berhemah:

1. Setiap kali terima gaji bulanan, pastikan anda mengasingkan sejumlah wang sekurang-kurangnya 10% untuk dijadikan simpanan.

2. Utamakan keperluan berbanding kehendak diri. Jelaskan segala komitmen bulanan seperti kereta, rumah dan bil-bil bulanan terlebih dahulu. Kemudian baharu memasang niat untuk berbelanja ke arah memenuhi kehendak diri.

3. Belanja mengikut kemampuan, elakkan berhutang untuk barang yang bukan menjadi keperluan. Kecuali untuk membeli barang yang tidak mampu dibeli secara tunai seperti kereta dan rumah.

4. Cuba sedaya upaya elakkan penggunaan kad kredit. Ini kerana kesan berbelanja menggunakan kad kredit hanya mengakibatkan anda sukar untuk mengawal perbelanjaan dan akhirnya menambah hutang sedia ada.

5. Wujudkan akaun simpanan yang tidak menggunakan kad ATM supaya mengelakkan anda  mengeluarkan wang sesuka hati. Pengeluaran wang akan dilakukan diwaktu kecemasan.

6. Kehidupan sesuatu yang tidak terjangka. Malang juga tidak berbau. Pastikan anda telah memperuntukkan wang untuk melindungi diri anda dan keluarga dengan insurans yang sesuai.

Sumber foto:

http://financesonline.com/get-fit-fast-and-save-money-with-these-3-easy-ways/

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Lack of Awareness About The Importance of Insurance

Most of people in community has lack of awareness towards the importance of insurance protections. Their common perception to think that insurance is not important and just a burden to their current commitment. So, why should increase monthly commitment when employer already provided basic insurance protection to every employees? Why should worry?

If that is kind of perception, they might not have think of long term impact could happened someday. Just like they never thought of the risks could effect to daily routine when something happened. Maybe today is another ordinary day, but we never knew what would happened tomorrow.

It is hard to predict what will happen, we could not foresee when will road accident, illness or disableness would impact ourselves or our family members.

A quote saying, save for a rainy day. Therefore, every individual need to make early preparation or "Back Up Plan" to face unpredicted critical moment. Are we realised that we are facing accident risks in our journey to work and home?

As reported by the Utusan Malaysia, there is about 20,225 case road accident in on and off duty traffic happened from January till September 2013. Motorist has tooks 85% of recorded accident, and most of them were under 40-year-old.

If the accident risks from on and off duty is increasing, while motorist became majority victims of the incident, are they have any life and accident insurance protection in person?

Yes, they were protected by the insurance from employer but is it sufficient to support cost of living when someone became disable which caused by accident, and still have four children still studying in school, monthly commitment and medical treatment costs? The loss of income could be main burden to continue daily life.

In such a desperate and critical situation, perception of insurance is not important will indirectly changed to how important of basic insurance coverage. At least, it could help decrease suffer in paying medical cost after accident. Do not only depend on employment insurance, personal saving, EPF and pension fund from Perkeso.  

That's why every individual should have awareness to find alternative way by preparing their long term financial protection for critical moment, because of that it is important to give protection to oneself and loved ones through insurance. In fact, prepare for the worst and don't regret after something bad happened. This is because, prevention is better than cure. 

Image source:

http://www.boston.gov.uk/media/image/6/f/bigstock_Health_Or_Social_Protection_12539954.jpg

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