Blood Donation Campaign

It is hereby pleased to introduce that St. John Ambulance Kluang is going to conduct a Blood Donation Campaign on this September 13, in conjunction with this campaign they still provide some health secreening services like checking your blood pressure, blood glucose test, body weight BMI and more else to the donor.

We're proud to be selected as one of the official sponsor party for this event, and we're hereby wish to invite you and all of our valued customers as well as friends come to support this charity event, donate your blood to those in bad ill or serious injury is not only to save their life but also good to your health, at the same time you and your family member will still able to get some free body check up, should you have any health related question, the St. John Kluang Area Medical Officer Dr. Kang Poi Lim will standby there to assist you.

Event particulars:
Date : 13 September 2009
Day : Sunday
Time : 9am to 3pm
Venue : Kluang Kampung Paya Multipurpose Hall

Please bring along your family and friend to support this event, we're awaiting to see you there.

One Second Difference

Just a second, your money in your pocket is depreciated by 13.80% ! 1 second before, whole Malaysian still very happy to celebrate the Malaysia National Day and enjoy their holiday, but after 11.59pm our petrol price for RON97 raised up to RM2.05 per liter, at the same time RON95 quoted at RM1.80 per liter! Well our government said since we launched new RON95 recently it is able to replace RON97, if consumer don't wish to pay so much extra they can choose RON95 because it only increased by RM0.05, and our government also said RON95 is suitable for most Malaysian car.

Firstly, since we able to classify RON95 and RON97 which mean that the ingredient among this two types must have difference, whether your loved car is suitable to use the lower grade one or not I don't know, we better ask the expert or engineer instead of government.

Despite of the petrol quality, I am more concern about the chain reaction of this increment. For those who are seldom using their car or motorbike riders, the increment impact to them maybe lower relatively, no matter they're using RON95 or 97, but a lot of consumer products price will be increased including servicing lines and public transport fees due to their operating cost increased follow by the fuel price goes high, well now, you see no matter you're using car or not you will still suffer, the matter is the impact to you is More or Less only. Still remember while our petrol and diesel price standing sky high on early last year, the fees for power supply, public transport, transportation services, toll, foods and other basic consumer products were relatively increased, but when the international crude oil price drop to the scarcely low, we never see the above said prices drop automatically!

Malaysia is a very lucky country, we have a lot of natural resources including crude oil, our government export the crude oil products to others to earn the significant income for our country, but this seem like nothing benefit to the populace, the subsidy to the fuel became lesser, which mean that your earning and your saving become lesser and lesser if you don't get your salary increment every year and your bank rate unable to overcome the inflation rate, then one thing is sure; you will lose your purchasing power in no time.

Then what should we do? my personal opinion is we should spend wisely, never buy the thing you don't need to use it now no matter how cheap it is...never forget that you money will become smaller (depreciate) in future, if you can buy it at the same price in future why you need to store it now? the principle here is never put your money in the item that won't appreciate your hard earn money unless you truly need to use it now. e.g. toilet paper, people like to store toilet paper more than their need especially when hypermarket doing sales, but I always see the hypermarket or supermarket doing promotion no matter in what reason and season, so why should worry you don't have the cheap toilet paper use? but if you're running a sundry shop then that is another story... . Save back the money from the unneccessary item is the most effective and instant way to accumulate your wealth.

Save first then spending, commonly, people's saving habit is save after spent, but usually this is not workable, because this is not discipline and systematic enough, we must change the way back if we wish to have a better future and opportunity, set your target saving amount every month (no matter what figure), then spend the balance after saved.

NEVER SPEND FUTURE MONEY, nowadays credit card is one of the most common paying tool, but always bear in mind that you must pay off the entire credit card bill every month, don't just serve the minimum payment every month, because it is like a "blood sucker" the overdue interest will be compounded at 1.5% per month! you will need a very very long time to finish the outstanding amount in case you cut out your card, otherwise it will become a never ending story, the bank will earn a big pile from you, hence, think twice before you use it!

Invest your saving money, especially now is a good time to invest, reason (1) a lot of investment items are now selling at a very attractive discounted rate, but you must choose the item you're familiar and the fund must be from your surplus, if you know very little about the investment, unit trust can be the best solution for you as your investment will be well taken care by a group of professional fund managers, (2) the fixed deposit rate is too low, transfer your FD to an investment, just like you shift your money from your right pocket to left pocket, but you can see the gain result is in a big difference, but be reminded that you must always leave some fund in your bank account just in case of an emergency need.

There are some common investment items in the market, the investment risk can be vary from high to conservative, which one you choose is depend on your risk tolerance profile and your investment horizon, or maybe you can make a diversification in your investment portfolio, by the way, forget about the Myth of High Risk High Return, if High Risk = High Return which mean "No Risk".

Some Common Investment Vehicles: (for your reference only)

1. Stock/Share Market (Moderate to High Risk)

2. Property (Moderate to High Risk - Not liquidity enough)

3. Unit Trust (Conservative to Moderate Risk, note: some Closed End Funds are Capital Guaranteed)

4. High Yield Saving Plans (Conservative Risk)

HAVE YOURSELF BE INSURED, this is very important to have at least a Medical Insurance and Personal Accident Insurance, because no matter how good your financial planning is, if without the risk management, your planning can be ruined and your money can be vanished in an unfortunate incident, thus, you must set aside a minimum 10% of your annual income to purchase an insurance policy, because this is the wise way to transfer your medical risk and loss income risk to insurer instead you bear it yourself, compare to the actual cost, the premium is become insignificantly small, and you can have your hard earn money to seek better opportunity with peace of mind, should you have budget the protection should be extended to further completion.

Last, not only our financial healthy, we also need a healthy life and body, no need to bother so much about the increased fuel price, we just need to look forward and plan whatever under our control then will be good enough. Should you have any personal opinion want to share with me, you may write in to me at Cuscare.STHgroup@gmail.com . Your feed back and sharing is most welcome.

Premier Income Plan Closing Date Extended

It is hereby pleased to announce that due to overwhelming of the market demand, our principal company has decided to extend the withdrawal date of the high yield saving account from 28/8/2009 to 2/11/2009!
If you think that the FD rate is too little, and is looking for a higher interest rate and medium term saving account, this maybe the one you're looking for!
The Premier Income account can generates a stable income stream for life yet appreciates your capital, it's ideal for retirement saving as you wish to receive a monthly stable income for your post retirement life or to receive an additional sum upon your retirement, and it's also an ideal funding vehicle for your child's education.
For more information, please contact our advisors or call to our office, hurry! this only re-open for 2 months time only!

Policy Analysis System

It is hereby pleased to announce that we have developed a New Policy Analysis System which can more effectively assist you to understand NOT only your insurance portfolio, but also including to diagnose whether the products you bought is able to reflex your current financial situation and needs, whether you've over buy or vice versa, the system also able to automatically calculate your housing loan remaining principal amount to let you more understand your net asset value and total liability amount, just call to our advisors or send an email to us for an appointment. Hurry! currently we are providing this service at NO cost to you!

Influenza A (H1N1) is Covered Under Medical Insurance Policy

Hospitalization caused by Influenza A (H1N1) is covered under Medical Insurance, which mean should customer admitted to hospital due to H1N1 is claimable, this was officially announced by Life Insurance Association of Malaysia (LIAM) yesterday and published on major news papers on 22 Aug 2009, should policy holder have any enquiry may clarify directly from his/her respective insurer. On the other hand, if customer purchased the medical plan from General Insurance Company, they may not be able to enjoy the medical benefits from their policy should it was caused by Influenza A, because it is fall under exclusion clause, however certain General Insurance Companies may have some different exclusion clauses in the policy, for your best benefit, we advise you to check your medical policy as soonest as possible or contact your Insurer's customer service personnel for further detail.


To our valued client who purchased medical insurance policy from us, should you need further clarification from us, please call to our friendly advisors, we are more than happy to assist you in this matter. Last, we hope that H1N1 can be controlled and over very soon, wishing you all healthy and happiness.

Pay Your Insurance Premium Easier

Are you troubling about...
Still waiting for your agent comes to collect premium from you?
Always forgot the due date and amount?
Frustrated to get a car park in town...long queue in front of the ATM machine....why not get a easier way to pay your premium with hassle free today?

Now all ING valued policy holders, in line with our tagline "EASIER", we are pleased to draw your attention to the benefit of utilizing the Electronic Fund Transfer (EFT) as the most preffered and efficient method on your premium payment, EFT benefits you in that NO Cash Transactions are involved and hence NO Additional Charge to you! So, why wait? Please visit us or call to our friendly advisors, or visit any nearest ING branches, we will more than happy to assist you in this matter.

Why choose EFT?

• It's hassle free for policy owner! This will indirectly translate into Savings to all, be it petrol, toll charges, parking fees, time and many more!
• It's ZERO charge to you!
• There is a wide-range of banks than policy holder can choose from for the auto debit arrangement:- Maybank, BSN, Citibank, CIMB, Public Bank, RHB, HSBC, OCBC, Deutsche Bank, Hong Leong Bank, Bank Islam, Standard Chartered Bank

NOT Only This! Policy Owner will get one Mystery Gift from ING if your application is made before 28/8/2009 OR while stock lasts! Hurry, contact our insurance advisors today!

Blood Donation Campaign

St. John Ambulance Kluang Area is going to conduct a blood donation campaign on 13/9/2009 Sunday at Kluang Kampung Paya Multipurpose Hall, in conjunction with this event, they will still provide some health screening services to the public. ING Insurance Bhd and STH Group are proud to be one of the sponsor of this event, we hope that this campaign is able to successfully raise the sufficient blood volume for the blood bank, and we hereby wishing the event a great success in advance.

Policy Analysis Campaign 2009

Want to know more about what kind of insurance you have bought?
Want to know what benefit you have?
Premium is too much for you?!
Just send in your policy(ies) to us at 4-2B, Block E, Johbase Citysquare, 86000 Kluang, Johor, Malaysia or give us a call during office hour at 016 710 8007, we will do a free review for you, this compliment service is open now until 31/12/2009.

2009 Unit Planning Workshop

Enjoy the outdoor activity at Johor Kahang Organic Farm......Fantastic!

AMTC 2008

Attending the Agency Management Course for 6 months, finally we have completed all the requirements, thanks to our moderator Hui Seng...we learnt a lot from you especially your field experience.

Awards & Recognition, We achieved it!