医药费不该是您寻求医疗的绊脚石！

不断增加的昂贵医药费，平均寿命的延长，一般收入家庭已经很难跟的上医药费成长的脚步，万一不幸入院势必对家庭经济带来一定影响！随着ING于1/6/2010推出全新的医药保健计划，应付医药费不断高涨的问题将可解决，其保单有以下重要特点：
1。高达马币1百80万(RM1.8mil)的医药费限额让您与家人的生活更加的无后顾之忧；
2。高达马币260元(RM260.00)的每日病房住宿费，让您能享有更好的康复环境；
3。更长的受保期，让您能善用您的退休金享受生活而非应付医药费；
3。当然我们期望您身体健康，如此我们将在每个保单年给您无索赔现金奖赏！
更多详情与利益等着与您分享，保障您与家人以及您的财富，今天就和我们联络。

是否还有更好的退休金户口？

ING I-Retire 退休金计划，一个能够让您在开始存钱时就让您每年享受额外红利的退休储蓄户口，它不但能为您达到KWSP所能提供给您的一切好处，而且在您还未退休时就每年为您提供一笔良好的现金流入收益，此红利收入将持续支付至您退休前的54岁以增加您的每月现金流，不止如此！在您55岁退休后，红利将以5倍的数额每年继续支付给您！让您与心爱的另一半每年拥有一笔稳定的退休收入，让您不在为退休金不够退休而担忧，同时您所存的本金还在户口内持续增长，达到额外的资本收益，让您在退休后的任何时间提取部分或全部的退休金，一个好的储蓄户口不止能让您事半功倍，也能让您过着更有保障及尊严的退休生活，除此之外还有更多利益，详情请联络我们016-710 8007，或我们的退休金专员，同时我们也将提供退休金计算及规划服务。

我们对理想的热忱与执着等于成就的大小

是肢体还是心灵的残废

Everyone needs a Coach

We Support SJAM Kluang Blood Donation Campaign

On behalf of St. John Ambulance Kluang.

St. John Ambulance Kluang is going to conduct a Blood Donation Campaign on this coming Sunday (21/3) at Kluang Mall, time from 10.00am to 3.00pm, this is a charity event which helping Kluang Blood Bank to raise the sufficient blood volume for emergency and operation use, if you are above age 18, you are eligible to be a blood donor. Please make yourself available to participate in this meaningful event.

ING Insurance Kluang STH Group is one of the sponsor of this event.

St. John Ambulance Kluang

St. John Ambulance Kluang

Annual Dinner 2010

Happy Lunar Chinese New Year 2010

Happy New Year to our valued customers, friends & all S07's members, may year 2010 filled with bundles of joy, love and prosperity to you and your family.

Our office will be closed for new year holiday from 12/2/2010 to 18/2/2010, and resume on 19/2/2010 (Friday).

Our Office New Operating Hours

It is hereby inform our valued customers and advisors, with effective from 1/1/2010, the office operating hours will be changed as following:-

Monday ~ Thursday: 9.00am - 5.00pm
Friday: 9.00am - 4.00pm

Thanks for your kind attention, should you need further clarification please call Mr. Aaron at 016-7108007.

Agency Management
04 December 2009.

Half of Malaysians Earn Less Than RM3000 Per Month

According to the Department of Statistics Malaysia, more than 50% of Malaysian households earn a monthly income of less than RM3000.00

Total of 5.8 million households in the country surveyed, the statistic result is shown as below:

Table of income tabulation:
below RM1000.00 -- 8.6%

RM1000 ~ RM2000 -- 29.4%

RM2001 ~ RM3000 -- 19.8%

RM3001 ~ RM4000 -- 12.9%

RM4001 ~ RM5000 -- 8.6%

RM5001 ~ RM10000 -- 15.8%

above RM10000 -- 4.9%

Hence the total of those earning an income of RM3000 or less is about 3.4 million, equivalent to close to 60%. If the chance is given for you to choose, which group of people you want to belonging to? The 4.9% or others? Want to improve youself and your beloved one lifestyle and living quality?

Join us now as an insurance advisor or even personal financial planner, a very rewarding and fulfilling profession and career. Call us 016 7108 007 or email: aaron.sthgroup@gmail.com

根据马来西亚统计部门统计，超过一半以上的马来西亚人每月家庭收入少于马币3仟元。在统计的过程中，约有5佰80万户家庭接受调查，调查结果如以上列表所示。根据结果，约有3佰40万户家庭的每月家庭收入少于马币3仟元，约占统计家庭的60％，而每月家庭收入超过马币1万元以上者只占总数的4.9%或只有28万户家庭。

想改善个人及家人的生活品质吗？想不想成为那4.9%的一员？

与我们一起开创您的事业，成为一位专业的保险顾问或个人财务规划师，您将享受这份事业所带给您丰厚的成果及个人的满足感，今天就与我们联络。

ING to separate Insurance, Banking & Assets Management News

For to further enhance the service to ING insurance customers, and stay focus on the insurance business expansion in Malaysia, ING planning to restructure the management modal for the following 3 sectors, which are Insurance, Banking and Assets Management. The news was published at Sin Chew newspaper on 2/11/2009. For further details, customer may directly call to ING Insurance Berhad at 1800 88 0303 or call to us at 016 710 8007, we are more than happy to answer your question.

New FD Rate

Great News! We are now pleased to announce that from 26/10/2009, we have launched a newest *saving product which can provide you a stable interest income stream at **3.70% p.a., the generated interest will pays to you every year or you may request the interest to be put back to the account to earn an extra interest at a compounded rate, if you prefer to put your saving at a safer place but is tired of the low interest rate in the market, just switch your money to here. For more information for this account, please contact any of our friendly advisor now, we are waiting to serve you and answer your question.

*Another licensed product from our business partner.
**The rate is base on the chosen term

对银行的低利率感到无力？从26/10/2009起我们特别推出了一个年利**3.7%的无风险*定期储蓄户口呈现给您，此户口将从第二年起每年为您提供一笔稳定的利息收入，您也可选择将所得利息从新存入您的户口以赚取额外利率。现在就与我们任何一位客户服务代表联络，我们将非常乐意回答您的提问及为您服务

ICCC 2009

1st day submission challenge for your F1 Car!

Branches operating hour extended on 19/10 & 26/10

S07's communication platform at facebook

Dear all S07's members, we're hereby pleased to announce that we've created a communication platform at facebook specially for you to share your personal opinion, experience and encouragement to others. Please join it as fan with your facebook account today, you contribution is valued to us. Aaron inviting you :)

Selamat Hari Raya Aidilfitri

STH & all of the group members are hereby sincerely wishing our Malay colleagues, friends and customers "Selamat Hari Raya Aidilfitri", bless you all prosperousness and happiness in the coming new year. Best wishes from STH Group.

个人绩效管理

是应该还是喜欢?
到底是平凡的人多还是成功的人多? 看看我们四周的朋友, 我想我们都知道答案是那一个. 当然一个人的成功可以有很多的因素, 我们很难用一个标准来告诉大家要怎样做就能成功, 况且小弟也非成功之人, 更不是这方面的专家, 很难告诉各位成功与平凡之道. 今日提笔只想与各位分享一些心得, 人人都只有24小时, 为什么有些朋友一段时间过后能有较佳的表现与进步? 另一些则还是"老样子", 小弟认为这跟平日的生活态度有着很密切的关系, 试想想今天你都作了些什么? 都是你喜欢做的事还是你应该做的事?
"喜欢做"和"应该做"有什么分别? 喜欢是感性的; 它将根据个人喜好来做决定, 例如某某连续剧今晚大结局, 所以你选择了留在家里看电视; 而放弃了到公司开部门会议, 其他例子还有如因为今天心情不好; 所以选择了留在家中不去上班或上学, 而我们也时常见到很多的办事处人员经常利用办工时间上网聊天, 玩网上游戏等等, 或在工作时间里和同事聊个不停, 内容不外是东家长西家短, 尤以后者在政府部门更是必然现象, 难怪呼我们的政府要各部门设立绩效表现管理, 还有常见的习惯迟到; 因为您总喜欢在最后一分钟才出门... 等等, 如果每天的生活内容我们都在选择做我们喜欢做的事, 平凡的生活是必然的, 有人说"平凡也是一种幸福", 我同意您的看法, 因为这是您对生活的选择.
相反的, 做应该做的事是理性的, 因为应该做的事不一定就是您喜欢的事, 但因为您对个人的成就及将来有所要求, 您知道现在应该做什么事对将来会有帮助, 所以您愿意牺牲一些个人的喜好来让自己成长, 谋事有良好的事前规划, 每日按照已定的时间表将工作完成, 不把时间浪费在无谓的地方, 日复一日, 小成就很快的就能见到了.
如果以上两位是兄弟, 您认为哪位的成就会比较好? 当然, 感性与理性是人类都具备的本质, 太过理性; 生活就会变的很乏味, 太过随心所欲; 又似乎对人生没有什么要求, 所以小弟认为在生活中要取得一个平衡点, 凡事都要有个事先规划, 按步就班, 把每日应该要完成的事项尽力做好, 然后才做自己喜欢做的事, 千万不要轻松的时候想工作, 工作的时候想轻松! 如此一来, 您不但无法成就什么, 更无法享受生活, 还要搞到自己压力很大, 因为还有很多"应该做"的事没做! 何苦?!
所以个人认为, 成功的人与平凡的人其中一个分别就是成功的人选择做"应该做"的事, 平凡的人爱做"喜欢做"的事.
文笔粗糙, 还有望各位多多包含, 愿大家的成功很快到来. 共勉!

ING - sinchew-i.com Partnership

Great New!

ING in collaboration with SinChew-i, the online version of the Sin Chew newspaper has launched a microsite where readers are able to submit their insurance related questions specifically on the following categories:-

1. Home and Auto


2. Education and Saving


3. Health, Will and Trust

The objective of the microsite is to provide an easier platform for readers to post the questions they have when planning for their financial future.

The microsite will be hosted by SinChew-i for the next 6 months beginning from August 2009.
Do take the opportunity to check-out this site at http://www.sinchew-i.com/

Alternatively, you may also post your questions to us at cuscare.sthgroup@gmail.com while you're doing or planning to do your personal financial planning, even any complicated insurance policy related issue and question.

In STH Group, our advisors team is determined to serve you better and easier.

"Your Peace of Mind is Our Aim"

Published news from ING Malaysia for Influenza A (H1N1) flu

Frequently Asked Questions On Influenza A (H1N1)

1. Should we be worried over the increasing number of deaths?

• There is no need to panic, the majority of those who contract H1N1 only suffer mild infection, and almost 98% recover with or without treatment.
  

2. Some of those who have died were not in the high-risk group. They were young and otherwise healthy. Does this means the virus has mutated?

• The Institute for Medical Research is studying this.
  

3. Who are the high-risk group?

• Children under 5 years old;
  
• Adult more than 65 years old;


• Pregnant women;


• Chronic pulmonary (incl. asthma), cardiovascular (except hypertension), renal hepatic, hematological (incl. sickle cell disease), neurologic, neuromuscular, or metabolic disorders (incl. diabetes mellitus);
  
• Persons younger than 19 years of age who are receiving long-term aspirin therapy;


• Persons with immunosuppresion, including that caused by medications or by HIV;


• Residents of nursing homes and other chronic-care facilities;


• obesity.
  

4. Is the majority those who died in the high-risk category?

• Yes.
  

5. Would it be advisable to temporarily shut down all shops and offices to contain the spread?

• No, as there is no sustained local transmission.

6. How can the spread be contained then?

• People who are sick and displaying flu-like systoms should stay at home. Wear masks when interacting with family members ro visitors.
  

7. Can Tamiflu be used to prevent one from contracting H1N1?

• No, it should not used as a preventive measure as it may cause one to be resistant to it, such cases have been reported in the US, Maxico, Canada, Denmark, Hong Kong and Japan.
  

8. Can we go for throat swabs at private clinics?

• No, private clinics have rapid test which will ascertain whether you have H1N1.
  

9. Is the rapid test accurate?

• It has only 60 ~ 80% sensitivity, so there is a high chance of false negatives, so even if you are tested negative, you may have H1N1.
  

10. Is it advisable to take the rapid test then?

• If you are willing to accept the limitations, go for it, that will spare you the long queue at the government hospitals.
  

11. Will the death rate continue to go up?

• Yes, especially among those in the high-risk group, if people continue to be lackadaisical about the pandemic.
  

12. If I have a family member at home who is infected with H1N1, should I go to work?

• If you have flu-like symptoms such as fever (above 38'c) and one more of these - cough, difficulty in breathing, body ache, headache or sore throat, you should immediately seek medical treatment from nearest doctor;


• Please inform doctor that you have in-contact with a H1N1 patient;


• Avoid close contact for 7 days;


• Practice good personal hygiene.
  

Resource from Ministry of Health Malaysia.