Marr Zahari - Takaful Expert

ADVICE TO ALL EMPLOYEES

1. Build a home earlier. Be it rural home or urban home. Building a house at 50 is not an achievement. Don't get used to government houses. This comfort is so dangerous. Let all your family have good time in your house.

2. Go home. Don't stick at work all the year. You are not the pillar of your department. If you drop dead today, you will be replaced immediately and operations will continue. Make your family a priority.

3. Don't chase promotions. Master your skills and be excellent at what you do. If they want to promote you, that's fine if they don't, stay positive to your personal development.

4. Avoid office or work gossip. Avoid things that tarnish your name or reputation. Don't join the bandwagon that backbites your bosses and colleagues. Stay away from negative gatherings that have only people as their agenda.

5. Don't ever compete with your bosses. You will burn your fingers. Don't compete with your colleagues, you will fry your brain.

6. Ensure you have a side business. Your salary will not sustain your needs in the long run.

7. Save some money. Let it be deducted automatically from your payslip.

8. Borrow a loan to invest in a business or to change a situation not to buy luxury. Buy luxury from your profit.

9. Keep your life, marriage and family private. Let them stay away from your work. This is very important.

10. Be loyal to yourself and believe in your work. Hanging around your boss will alienate you from your colleagues and your boss may finally dump you when he leaves.

11. Retire early. The best way to plan for your exit was when you received the employment letter. The other best time is today. By 40 to 50 be out.

12. Join work welfare and be an active member always. It will help you a lot when any eventuality occurs.

13.Take leave days utilize them by developing yr future home or projects.. usually what you do during yr leave days is a reflection of how you'll live after retirement.. If it means you spend it all holding a remote control watching series on Zee world, expect nothing different after retirement.

14. Start a project whilst still serving or working. Let your project run whilst at work and if it doesn't do well, start another one till it's running viably. When your project is viably running then retire to manage your business. Most people or pensioners fail in life because they retire to start a project instead of retiring to run a project.

15. Pension money is not for starting a project or buy a stand or build a house but it's money for your upkeep or to maintain yourself in good health. Pension money is not for paying school fees or marrying a young wife but to look after yourself.

16. Always remember, when you retire never be a case study for living a miserable life after retirement but be a role model for colleagues to think of retiring too.

17. Don't retire just because you are finished or you are now a burden to the company and just wait for your day to die. Retire young or whilst energetic to enjoy waking up for a cup of coffee, enjoy the sun, receive money from your business, visit nice place that you missed and spend good time with family. Those who retire late, spend about 95% of their time at work than with their family and that's why they see it difficult to spend time with their family when they retire but end looking for another job till they die. If they don't get another job, they die early.

18. Retire at your house than at government accommodation so that when you retire you can easily fit into the society that raised you. It's not easy to adjust to live in a location after spending more years at company house or at government house.

19. Never let your employment benefits make you forget about your retirement. Employment benefits are just meant to make you relax, get finished whilst time is moving. Remember when you retire no one will call you boss if you don't have a viable business.

20. Don't hate to retire because one day you will retire either voluntarily or involuntarily.

Hope this will help you look at life positively. 👍 [PS]

- Dr M. A. Chaudhary

Kenapa perlu miliki Medical Card sekarang ⁉️

Kerana Medical Card perlu diambil sebelum anda sakit 🚑

KENAPA MEDICAL CARD❓

Fungsi Medical Card adalah :-
✅ MELINDUNGI SIMPANAN ANDA - SANGAT PENTING ‼

Supaya anda tidak perlu keluarkan simpanan waktu kecemasan, tidak perlu risau duit tak cukup, menunggu untuk kos perubatan dan tidak perlu giliran hospital yang lama.

===================================
MANFAAT MEDICAL CARD MAMPU MILIK
===================================

✅ VIP Medical Card - Pelbagai Pilihan Pakej
✅ Perlindungan sehingga 1.5 JUTA setahun
✅ TIADA Ko-Takaful & Ko-Payment - Full Coverage
✅ TIADA Had Limit Seumur Hidup - (UNLIMITED LIFETIME)
✅ TIADA Perkongsian Limit- Perlindungan Tahunan Berasingan
✅ Manfaat Elaun Harian Hospital Kerajaan RM200/hari
✅ Tiada Limit Caj Bilik Harian di ICU
✅ Manfaat Klinit Rawatan Pesakit Luar (Out Patient Klinik)
✅ Kemasukan & Keluar Wad Yang Mudah
✅ Customer Service 24 jam (call centre)
✅ Lebih 128 Panel Hospital Swasta seluruh Malaysia
✅ Perlindungan Sehingga 88 tahun
✅ Guaranteed Renewable (Auto Renew)
✅ Aplikasi 'E-SMILE' di telefon bimbit untuk Claim Resit Outpatient klinik, GPS hospital terdekat, Status GL Hospital dan banyak lagi.

PM atau Whatsapp sekarang untuk dapatkan quotation yang sesuai dan berbaloi dengan kemampuan anda!

👉 http://MedicardMampuMilik76.wasap.my
👉 http://MedicardMampuMilik76.wasap.my
👉 http://MedicardMampuMilik76.wasap.my

Dengan caruman TAKAFUL ini, akan beri perlindungan kepada anda dan keluarga.

TAWARAN ADALAH TERHAD !!!

Antara perkhidmatan lain ialah Hibah, Plan Pampasan Penyakit Kritikal, Simpan & lain-lain.

Marr Zahari
Islamic Financial Advisor
http://MarrZahariEFTB.wasap.my

Imarahkan Majlis Ilmu di bulan Syawal

Jom hadirkan diri ke ✍️:

🔹🔸🔹🔸🔹🔸🔹🔸🔹🔸🔹

Edisi Khas Syawal
Yasin & Tazkirah
Siaran Langsung Dari Mekah

“Syawal - Bermula Kembali Perjuangan”

bersama Penceramah,
Ustazah Hjh Muzayyanah binti Abdullah
🔹🔸🔹🔸🔹🔸🔹🔸🔹🔸🔹

JUMAAT | 5 Mei 2023
14 Syawal 1444H

8.00 Pagi
ZOOM

Join Zoom Meeting
https://us06web.zoom.us/j/87576340038?pwd=S2VwOHhhY1JRdHltcTVLdC9tY0Nadz09

Meeting ID: 875 7634 0038
Passcode: Syawal

📌 Bacaan Yasin Berjemaah Virtual Serentak AGG SELURUH MALAYSIA

📌 Perkongsian Ilmu & Soal Jawab


’

Kitaran Hidup yang kita semua bakal lalui. Setiap fasa perlu kepada adanya perlindungan Takaful.

Mula daripada Tabung Pendidikan, Perlindungan Hutang, Gantian Pendapatan, dan Tabung Persaraan, kerana kita tidak akan pernah terlepas daripada 3D, iaitu;

1) Disease 🤒
2) Disability 🧑🏻‍🦽
3) Death 😵

Sama ada hidup terlalu SINGKAT atau hidup terlalu PANJANG, kita masih memerlukan Takaful untuk menjamin kewangan masa hadapan

Let’s be ready with Takaful 💪🏻
klik for more info 👇
https://MarrZahariEFTB.wasap.my

*Claim Tumpang Lalu*

*Tak Sampai 1 Minit GL Medical Card Etiqa Dah Approve, Klien Dapat Warded Hospital Pakar 😭*

Klien dah 3 hari demam tak boleh bangun dari katil. Jadi saya cadangkan untuk terus pergi KMI Kuala Terengganu jumpa pakar dan warded untuk tahu apa punca klien sakit.

Medical card klien dah lebih 6 bulan dah matang dan boleh guna untuk sakit biasa. Doktor sahkan klien dijangkiti influenza A. Alhamdulillah GL Etiqa approve immediately.

Syukur 🎈

Untuk yang tiada medical card dan tertanya-tanya betul ke medical card dapat bantu kita waktu kita sakit.

Ni antara bukti medical card dah bantu klien dapatkan rawatan pantas dari doktor pakar. Kos rawatan p**a Etiqa yang bayarkan 🫰🏻

*Claim Tumpang Lalu*

Client jatuh tangga, refer ke emergency PPUM risau fracture, Dr sahkan tailbone patah. Tanpa admission dan ada student GL, Etiqa tetap cover untuk kos treatment dan ubat.

*Claim Tumpang Lalu*
Klien ada medical card dengan Etiqa lebih dari setahun. Masuk ward disebabkan sakit perut. Alhamdulillah bayaran RM3 ribu dibayar oleh Etiqa

Untuk pertanyaan hibah klik for free👇👇👇
https://EasyHibahJomMula.wasap.my
https://EasyHibahJomMula.wasap.my
https://EasyHibahJomMula.wasap.my

𝑨𝒏𝒅𝒂 𝒔𝒆𝒅𝒂𝒏𝒈 𝒃𝒖𝒂𝒕 𝒔𝒖𝒓𝒗𝒆𝒚 𝑻𝒂𝒌𝒂𝒇𝒖𝒍?
𝑨𝒏𝒅𝒂 𝒃𝒆𝒓𝒎𝒊𝒏𝒂𝒕 𝒕𝒂𝒑𝒊 𝒕𝒂𝒌 𝒄𝒖𝒌𝒖𝒑 𝒃𝒂𝒋𝒆𝒕?

Apa kata anda mulakan sesuatu yang paling MURAH, UNTUNG & LENGKAP?

✅ Sesuatu yang MURAH, tak perlu buang masa untuk survey & mampu milik segera.
✅ Sesuatu yang UNTUNG, sumbangan kekal *(malah boleh menurun!) / berpotensi beri p**angan saving yang stabil & tinggi.💰
✅ Sesuatu yang LENGKAP, ada hibah, ada simpanan, ada manfaat hospital, ada pampasan kemalangan, ada akad jariah, ada zakat & ada pengecualian cukai.😲

𝐇𝐚𝐧𝐲𝐚 𝐑𝐌𝟕𝟗 𝐬𝐞𝐛𝐮𝐥𝐚𝐧 𝐚𝐭𝐚𝐮 𝐑𝐌𝟐𝟎 𝐬𝐞𝐦𝐢𝐧𝐠𝐠𝐮 𝐭𝐞𝐫𝐦𝐮𝐫𝐚𝐡 𝐝𝐢𝐩𝐚𝐬𝐚𝐫𝐚𝐧 𝐲𝐚𝐧𝐠 𝐬𝐞𝐮𝐦𝐩𝐚𝐦𝐚𝐧𝐲𝐚.

Ya betul, kadar sumbangan sama untuk semua peringkat umur dan tiada kenaikan *(malah boleh menurun!).😱

DAFTAR SEKARANG‼

Ramai yang telah rebut peluang ini. Jangan terlepas peluang.👍
Fast respon klik link di bawah:
👇👇👇
https://EasyHibahJomMula.wasap.my
https://EasyHibahJomMula.wasap.my
https://EasyHibah.JomMula.wasap.my

p/s : Kenapa perlu mencarum mahal setiap bulan kalau ada pakej pelan yang paling MURAH, UNTUNG & LENGKAP?

Delivery of Hope : *Penyerahan cek kepada waris Fatin Farhanah*

Cek tuntutan yang bernilai RM101,070.08 di atas kematian almarhumah Fatin Farhanah disampaikan kepada ibunya, Tengku Sinayati, ayah dan adik - beradik almarhumah yang berlangsung di kediaman keluarga almarhumah dan disaksikan oleh Advisor - advisor AGG Terengganu.

Pemergian arwah pada usia 29 tahun yang merupakan anak sulung keluarga ini amat mengejutkan pihak keluarga. Almarhumah adalah salah seorang peserta takaful dan telah membuat sumbangan selama 2 tahun bersama Etiqa Family Takaful Berhad.

Salam takziah buat keluarga almarhumah. Semoga roh almarhumah ditempatkan dikalangan orang-orang yang beriman dan beramal solehah. Al-Fatihah.

JENIS-JENIS HUTANG YANG BIASA DITINGGALKAN OLEH SI MATI.

Penyelesaian Hutang dalam Pentadbiran Harta Pusaka:-

Penyelesaian hutang merupakan proses yang penting dalam pentadbiran pusaka dan ianya WAJIB diselesaikan sebelum proses pengagihkan harta kepada waris-waris si mati.

Rujuk Akta Probet dan Pentadbiran 1959.

Jenis Hutang Yang Biasa Ditinggalkan Oleh Si Mati?
Hutang di bahagikan kepada dua iaitu Hutang Dunia dan Hutang Akhirat:-

Hutang Dunia:
1. Pinjaman Perumahan
2. Hutang dengan Individu
3. Pinjaman Bank seperti Pinjaman Peribadi dan Kad Kredit
4. Pengurusan Jenazah
5. Pinjaman Kenderaan
6. Kos Perubatan seperti Fi Tunggakan Hospital dan Ubat
7. Pinjaman Pelajaran

Hutang Akhirat:-
1. Zakat
2. Kaffarah
3. Nazar
4. Badal Haji
5. Fidyah

Kesan Hutang Tidak Dilangsaikan Segera?

1) Dari Pentadbiran Harta Pusaka pengagihan harta pusaka tidak boleh dibuat diagihkan.
2) Pindah milik disekat
3) Institusi kewangan memfailkan kaveat
4) Hartanah boleh dilelong, dan boleh diambil oleh pihak kerajaan
5) Harta Pusaka boleh diisytiharkan bankrap

TAKAFUL satu-satunya elemen PALING MUDAH CAIR untuk membantu menyelesaikan hutang yang tak sempat selesai sewaktu Allah tarik nikmat hidup kita buat selamanya.

Untuk info lanjut berkenaan takaful/hibah
Klik sini👇
http://MarrZahariEFTB.wasap.my