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Wednesday, April 28, 2010

Bank Persatuan

If you have some extra money, where will you put it? In a fixed deposit account? Unit trust? ASB? Another alternative that we can consider is to buy the shares of Bank Persatuan.

Bank Persatuan is a cooperative banking entity based in Penang. It is a second coop bank, after Bank Rakyat. It is headquartered at 41, 43 & 45, Jalan Selat, Taman Selat, 12000 Butterworth, Penang. It has over 12 branches located mainly in Semenanjung Malaysia (Peninsular).


If you have missed the opportunity to invest in Bank Rakyat much earlier, you can still do it now with Bank Persatuan. For Klang Valley people, the branch is located at No 2, Jalan Tengku Ampuan Zabedah D9/D, Seksyen 9, Shah Alam. Just bring a photocopy of your MyKad and some money (minimum is RM500 to be a member, maximum is RM10,000). Their paid dividends were between 10%-12.5%; better than ASB and Tabung Haji.

For more info on their operations and activities, you can get here.

Monday, April 26, 2010

Internet disruption


Wondering why your streamyx line is having performance degradation?

TheStar reported that repairs to a fault in the submarine cable network linking Malaysia, Europe and the United States are expected to cause disturbances in nationwide Internet services from today until May 2.

Telekom Malaysia Bhd (TM) said it was carrying active steps to minimise disruptions by having additional connexions on other routes and organizing with other international carriers to provide additional bandwidth for its clients.

“Despite these initiatives, customers using Internet services nationwide may experience some degree of service degradation, such as slow browsing while accessing international websites.

“Customers using Virtual Private Network and other critical business applications linked to Europe and the US will be assured of minimal service degradation, if any,” TM mentioned in a statement.

Wednesday, April 21, 2010

Herbal Supplements : Is It Worth The Risk?

Many people nowadays are turning to “organics” and “naturals” otherwise known as herbals. The rising popularity of herbal supplements has created a new fad if not a new health lifestyle. But before you join the bandwagon, here are some things you need to know about this mean, “green” dietary supplementing machine.

What is the difference between a drug and a dietary supplement?

According to the definition set by food and drug administrations in different countries, drugs are chemicals that can prevent, prolong the life, treat other effects of a health condition, improve the quality of life, and/or cure ailments and diseases, or alter the function of any part or chemicals inside the body. These drugs have approved therapeutic claims. For example, paracetamol is a drug given to bring down the body temperature in fever. Ascorbic acid is indicated for the treatment of scurvy. Iron supplements are given to treat mild cases of anemia.

Herbal supplements are not classified as drugs but as dietary supplements. The main difference is that they do not have approved therapeutic claims unlike in the case of drugs. Moreover, dietary supplements could either contain vitamins, minerals, herbals, or amino acids, all aimed to add to or supplement the diet of an individual. They are not intended to be taken alone as a substitute to any food or medicine.

Most of the manufactured medicines we now have once came from animals and plants. Through the years, chemists isolated the life-saving or life-curing components and separated them from the harmful ones. This lead to the further drug research and drug development that lead to the production of a different variety of drugs for many ailments and conditions from synthetic sources. But still we have semi-synthetic drugs, as well as drug that more or less approximate more natural composition. Since herbal supplements are made from a mixture of crude herbs reduced into powder or gel form, and later on packaged as tablets and capsules, there is a possibility that life-threatening or at least body chemistry-altering components are still present, thus the expression of concern from the medical community.


Is there a growing concern with the use of herbal supplements?

Yes. With the rising popularity of using and consuming anything herbal or organic is the proliferation of fake herbal supplements that threaten to endanger lives. If that’s the case, then why are herbal supplements given drug administration approvals? One way of ensuring the safety of the people is to have all candidate drugs, food, drinks, and dietary supplements registered with the proper authority. Otherwise, they would pose more risk with these things being sold in the black market for a hefty sum. We could ensure the quality and safety of herbal supplements if they get proper classification with the food and drug administration. Moreover, people may be able to file the proper complaints in the event a worsening of health condition is proven to be linked to the use of a particular herbal supplement.

Is using wherbal supplements worth the risk?

Yes. It cannot be discounted that many who have tried herbal supplements experienced an improvement in their health—whether this is due to the herbals themselves or due to a placebo effect, as long as they do not worsen the condition of an individual, then using them is worth the risk. But of course, certain things must be considered before taking those herbal supplements:

Your doctor knows best.

First of all, clear your condition with your doctor. Ask him/her if taking a particular herbal supplement is safe given your health condition. People with heart, liver, or kidney trouble or malfunction, are usually not advised to take these, or at the minimum is to take these herbals in minimum amounts. All substances pass through the liver and kidney to be processed and filtered respectively. Kava, which is used to relieve people from stress, has been pulled out from the Canadian, Singaporean, and German markets because it contains substances that cause liver damage. Certain herbals such as Ephedra used for losing weight, contains chemicals with heart-inducing effects that can increase heart rate, which in turn can exhaust the heart and cause heart attacks in several documented cases by the American Medical Association.

Follow the directions for use.

Never take more herbal supplements than what is directed by the doctor or as instructed on the bottle. Each individual reacts differently to the components of herbal supplements. While it is perfectly safe for one individual to take in a supplement of primrose oil capsules, another person may be allergic to it. So, do not even think about downing one bottle of

Friday, March 12, 2010

Teman Sejati

Satu lagi lagu yang sering berkumandang di dalam program Perkongsian Bijak Cemerlang (PBC):



Selama ini
Kumencri-cari
Teman yang sejati
Buat menemani
Perjuangan suci

Bersyukur kini
PadaMu Illahi
Teman yang dicari
Selama ini
Telah kutemui

Dengannya di sisi
Perjuangan ini
Senang diharungi
Bertambah murni
Kasih Illahi
KepadaMu Allah
Kupanjatkan doa
Agar berkekalan
Kasih sayang kita

Kepadamu teman
Ku pohon sokongan
Pengorbanan dan pengertian
Telah kuungkapkan
Segala-galanya...

KepadaMu Allah
Kupohon restu
Agar kita kekal bersatu
Kepadamu teman
Teruskan perjuangan
Pengorbanan dan kesetiaan
Telah kuungkapkan
Segala-galanya
Itulah tandanya
Kejujuran kita

Friday, March 5, 2010

Enam Produk Kosmetik Diharamkan

Petikan Harian Metro berkenaan produk kosmetik yang diharamkan:

KUALA LUMPUR: Bagi memastikan golongan wanita tempatan tidak teraniaya, enam produk kosmetik import diharamkan serta-merta oleh Kementerian Kesihatan Malaysia (KKM) selepas dikenal pasti boleh mencacatkan wajah selain turut mampu membawa maut.

Keenam-enam produk kosmetik import berkenaan dikenal pasti mengandungi racun berjadual iaitu kimia ‘hydroquinone’ dan ‘tretinoin’ yang ditakuti berikutan boleh membunuh sel kulit wajah selain meresap ke dalam saluran darah. Dalam beberapa kes dilaporkan sebelum ini, hydorquinone bertindak balas dalam aliran darah pengguna seterusnya menyebabkan barah, kemandulan, penyakit hati dan ginjal, sekali gus mengancam nyawa wanita yang memakainya.


Pengarah Kanan Perkhidmatan Farmasi Kementerian Kesihatan, Eisah A Rahman, berkata enam produk diharamkan berkenaan adalah Temulawak Whitening Pearl Creamv Papaya, Ratna Sari Whitening Night Cream, Atika Beuty Renewel Night Cream, Chantique Whitening Night Cream, Treatment No 1 dan Treatment No 2.


Menurutnya, penggunaan tretinoin dan hydroquinone adalah tidak dibenarkan dalam produk kosmetik kerana boleh membawa kesan sampingan kepada pengguna sekiranya digunakan tanpa nasihat doktor. “Tretinoin boleh menyebabkan kemerahan pada kulit, ketidakselesaan, kulit menggelupas dan hipertensif kepada cahaya matahari manakala hydroquinone juga memberikan kesan yang sama kecuali perubahan pada warna kulit. “Kesan dari penggunaan hydroquinone boleh menghalang proses pigmentasi di mana proses ini mengurangkan perlindungan ke atas kulit daripada pancaran ultra ungu dan sinaran matahari berlebihan yang boleh memberi risiko kanser kulit,” katanya dalam satu kenyataan semalam.

Berita ini boleh dijadikan pedoman untuk kita agar tidak terburu-buru membeli produk-produk kosmetik yang sengaja dilambakkan di pasaran oleh pihak-pihak tertentu demi mengaut untung. HPA juga telah mengambil inisiatif memperkenalkan produk kosmetik yang bermutu dan halal untuk memenuhi permintaan para ahli dan pengedarnya.