Salam Tahun Baru 2010

Saya merakamkan jutaan terima kasih kepada semua warga keluarga ZB Berjaya Consultancyyang telah berganding bahu dalam mencapai matlamat perniagaan kita bersama di tahun 2009.

Alhamdulilah.. Dengan sumbangan kerjasama semua, agensi kita berada di tangga ke 7 dalam ranking Malaysia untuk tahun 2009.

Saya penuh yakin tahun 2010 akan kita tempuh akan memberikan semangat juang yang lebih HEBAT dalam memartabatkan perniagaan kita bersama dengan keredhaanNya.

Salam 2010 yang Gemilang..

Mohamad Zamrie Baba
President / Group Chief Consultant

BLACKBERRY PERCUMA!!!!

Pada Sabtu 31 Oktober 2009 di Menara MAA tingkat 10, Presiden / Group Chief Consultant ZB Berjaya Consultancy telah membuat pengumuman menggemparkan, iaitu, beliau akan memberikan hadiah percuma tanpa had.. hadiah-hadiah berikut:-

1. Blackberry (seperti gambar diatas)

2. Laptop Acer @ Projector

3. Handphone Nokia berharga lingkungan RM700

4. Percutian di Legend Hotel Port Dickson.

Syaratnya.... tunggu...

HARI RAYA MEGA GATHERING - 10.10.09

Program ini berlangsung di tingkat 7 Menara MAA Seremban.

Presiden Kumpulan Era Bumi, Sifu En Raman Yasin sentiasa membakar semangat warga Kumpulan Era Bumi.
Bersemangat Dr Rizal Naidu menyampaikan ceramah. Lain dari yang lain...

Bos ZB Berjaya sentiasa bekerjasama dengan pihak pengurusan MAA HQ.

Antara striker ZB Berjaya yang turut serta dalam program tersebut adalah Puan Roslina, Halim, Sarpan, Norhanif dan lain lain....

SALAM AIDILFITRI

Assalamualaikum..

Salam sejahtera kepada semua pelangan,rakan pemimpin agensi dan semua consultant ZB Berjaya Consultancy serta semua teman-teman di luar yang melayari blog ini .

Aidilfitri kini menjelang kembali, malah kemeriahan telah mula terasa. Inilah masa untuk kita bergembira bersama keluarga hasil dari kerja keras dan komitmen yang berterusan dalam perniagaan kita sepanjang tahun.

Di kesempatan ini saya dan keluarga ingin mengucapkan selamat Hari Raya Aidilfitri dan memohon kemaafan Zahir dan Batin atas apa juga kelemahan dan kesilapan sepanjang saya memimpin agency yang kita sayangi, ZB Berjaya Consultancy

Alhamdulillah tahun 2009 merupakan pencapaian terbaik Kumpulan ZB Berjaya Consultancy setakat ini . Ia adalah hasil kerjasama yang tidak berbelah bagi daripada semua warga ZB Berjaya Consultancy dan sokongan berterusan dari rakan-rakan serta Pihak Pengurusan MAA Takaful dan MAA Assurance yang sentiasa yakin dengan kewibawaan consultant ZB Berjaya Consultancy.

Peluang ini juga gunakan untuk saya mendoakan kesejahteraan dan keselamatan semua pelanggan ,teman-teman seperjuangan serta warga keluarga ZB Berjaya Consultancy sepanjang kemeriahan hari raya ini....Insyallah kita akan kembali bekerjasama membangunkan perniagaan kita selepas pulang bercuti hari raya nanti....

Salam Aidilfitri.

MOHAMAD ZAMRIE BIN BABA
President / Group Chief Consultant
ZB Berjaya Consultancy

MAJLIS BERBUKA PUASA BERSAMA CEO

Tarikh : 7 September 2009. Di sini la tempatnya.. Kelab Tasik Putrajaya, Precint 8

Antara Orang orang hebat yang memeriahkan majlis.

Sapa yang duduk tengah tengah tu?

Itu la Penyokong Kuat Presiden ZB Berjaya

Sembang Sembang lepas berbuka.

Amanat dari CEO MAA Assurance. Ybhg. Tuan Umar Swift

Perkongsian oleh AVP MAA Takaful, Tuan Hakeem Nordin.

CHAMPION KATEGORI MC

Tuan Syed Shiriman bin Syed Abdullah dari Kajang.
En Mohd Shah bin Ruslan dari Agensi Segamat.

Tahniah kepada Juara!

2nd Quarter Review ZBBC pada 15 Ogos 2009 - MAA Seremban

Syabas Kepada Yang Berjaya untuk Kategori Konsultan.

Champion : En. Razali Mohamad @ Rahmat Faizal - Dari Batu Pahat.
1st Runner Up : Puan Kalsum Idris dari Batu Pahat.

2nd Runner Up : En. Zolkafli Ismail dari Segamat

Hadiah kepada telah di sampaikan oleh AVP MAA Takaful iaitu En. Mohd Hakim Nordin.

SALAM RAMADAN & SELAMAT BERPUASA.

Selamat Berpuasa kepada semua Konsultan ZBBC. Moga Allah mudahkan dan beri kekuatan kepada kita semua.

Pesanan Group Chief Consultant di pagi hari...

Pagi ini pastinya ramai konsultan ZBBC yang dapat sms dari En. Zamrie Baba. Begini butiran pesannya...

"Salam.. Bulan Ogos ini kita berniaga ( close case ) byk Bona Benefit kita dapat:-
1. Komisen 25%-35%
2. Tiket berbuka puasa di Hotel
3. Cap ( Topi ) Special dari MAA Takaful
4. Duit Raya RM5 setiap 1 kes
5. Baju Korporat ZBBC

Sahabat perniagaan semua, ambillah peluang HEBAT ini.. Bertindak sekarang.. Buang segala alasan alasan remeh yang boleh membunuh impian kita.. selamat mencari duit raya.. Take care"

CONTEST LAGI....

Buka Puasa Special Challenge!

Sempena Bulan Ramadan Yang Bakal Menjelang. Special Challenge untuk Semua Warga ZBBC.
Cabaran Bermula 3 Ogos 2009 - 2 Sept 2009.

Quota dan Kelayakan:-

~ 5 Case atau Minima 500 FYP

atau

~ 1500 FYP

Akan mendapat 1 seat berbuka puasa percuma. Maksima 2 seat setiap kelayakan.

SUGAR! MALAYSIAN CONSUME AN AVERAGE OF 26 TEASPOON DAILY

GEORGE TOWN: Malaysians consume an average of 26 teaspoons of sugar per person daily, revealed a 2005 survey. And early this year, the country was ranked the world’s eighth highest sugar user.
In the 70s, Malaysians only consumed 17 teaspoons of sugar per person per day.
Consumers Association of Penang (CAP) president S.M. Mohamed Idris said the consumption might have increased further by now, as the last research was done in 2005.
He said Malaysians consumed sugar in the form of, among others, soft drinks, condensed milk, flavoured drinks, junk food and even breakfast cereals. A CAP survey revealed that some drinks and food contained 10 teaspoons of sugar in one serving.
Idris said a brand of orange juice contained 40.8 teaspoons of sugar in a two-litre pack while a brand of cordial syrup had 200 teaspoons in a two-litre bottle.
He also said former Domestic Trade and Consumer Affairs Minister Datuk Shahrir Abdul Samad revealed earlier this year that Malaysia was the eighth highest sugar users in the world.
He said the International Diabetes Institute recorded Malaysia as having the fourth highest number of diabetics in Asia with 800,000 cases in 2007, which was expected to increase to 1.3 million in 2010.
“Sugar is linked to over 60 ailments such as cancer, diabetes, obesity, heart problems, osteoporosis, kidney problems, asthma and allergies.
“According to the Health Ministry’s statistics, 11.6 million of the 16 million adults nationwide are sick with a non-communicable disease like diabetes, hypertension or cancer.
“Malaysia has the most overweight and obese people in Asia with 54% of the adult population either being obese or overweight,” Idris told a press conference at CAP office yesterday.
“Thus, CAP calls on the Government to work with food manufacturers to avoid sugar in their products,” he added.

Source : TheStar 29/7/09

JEMPUTAN KE

Bussiness Opportunity Presentation (BOP)


Tempat : Kings Hotel, Ayer Keroh Melaka

Masa : 8 Malam

Tarikh : 13 May 2009

Kami akan menunjukkan anda, cara:-

1. Mendapatkan income kedua ketika musim gawat

2. Mendapat komisen perniagaan sebanyak 114% selama 6 tahun

3. Untuk melancong ke luar negara tanpa mengeluarkan tambang perjalanan.

4. Elaun tambahan sebanyak RM300 sebulan.

Hubungi 019-6613345 ( Zamrie Baba ) untuk keterangan kanjut dan pertanyaan.

BERITA SEDIH.. KENA AMBIL PERHATIAN!!!

Wanita cuba bunuh diri kerana suami enggan kerja

JOHOR BAHRU: Seorang ibu beranak dua cuba membunuh diri di Jambatan Permas Jaya, di sini pagi tadi kerana dipercayai tidak tahan dengan sikap suami yang enggan bekerja. Ketua Polis Daerah Johor Bahru Selatan, Asisten Komisioner Zainuddin Yaacob, berkata wanita berusia 27 tahun itu mengancam untuk terjun dari jambatan berkenaan kira-kira jam 11.30 pagi. Bagaimanapun, katanya, polis dan anggota Bomba dan Penyelamat Balai Johor Jaya dapat menggagalkan cubaan wanita terbabit selepas memujuk kira-kira 20 minit.
"Siasatan awal polis mendapati wanita itu malu dengan keluarga serta tidak tahan dengan sikap suami yang enggan bekerja sehingga mendorong untuk membunuh diri," katanya di sini. Zainuddin berkata, wanita berkenaan kini ditahan mengikut Seksyen 309 Kanun Keseksaan kerana cuba membunuh diri.

Sumber :Berita Harian Online 21 Apr 09

KEPADA PENCARI KERJA ATAU YANG INGIN TAMBAH INCOME:

Sertai Kami Sebagai Perunding MAA Takaful. Kami akan beri anda faedah berikut:-

1. Elaun Bulanan RM300.00

2. Komisen Jualan Sebanyak 25%

3. Masa Kerja Fleksibel

4. Insentif Melancong Dalam dan Luar Negeri

Hubungi Mohamad Zamrie Baba di Talian 019-6613345 untuk keterangan lanjut dan pertanyaan.

TAKAFUL SEMAKIN JADI PILIHAN..

Takaful terunggul..
DUBAI 15 April – Arab Saudi dan Malaysia merupakan dua pasaran takaful terunggul di dunia, dengan caruman masing-masing berjumlah AS$1.7 bilion dan AS$797 juta pada 2007, demikian menurut Laporan Takaful Dunia 2009 Ernst & Young.
Katanya, caruman Takaful global meningkat kepada AS$3.4 bilion pada 2007 berbanding AS$2.5 bilion pada 2006.
Laporan yang diumumkan pada Persidangan Tahunan Takaful Sedunia 2009 itu berkata Takaful, atau insurans koperasi patuh syariah, semakin berkembang melalui kegiatan menembusi pasaran Islam yang besar di dunia.
Bagaimanapun, ia menegaskan bahawa masih ada pasaran-pasaran besar yang belum diterokai di Asia dan Timur Tengah serta rantau Afrika Utara.
“Majlis Kerjasama Teluk (GCC), Malaysia dan Sudan merupakan tiga pasaran terunggul bagi Takaful manakala benua kecil India, Indonesia, Mesir dan Turki masih merupakan pasaran Islam yang paling kurang diterokai,” kata laporan itu. GCC terdiri daripada Arab Saudi, Qatar, Kuwait, Bahrain, Oman dan Emiriah Arab Bersatu.
Ketua Kumpulan Perkhidmatan kewangan Islam Ernst & Young, Sameer Abdi, berkata: “Pasaran Takaful sekarang meliputi sebahagian besar dunia tetapi masih ada banyak pasaran Islam yang belum diterokai di hampir setiap benua.
“Kami menganggarkan pasaran Takaful dunia mencapai nilai setinggi AS$7.7 bilion menjelang akhir 2012,” kata beliau.
Menurut Omar Bitar, rakan pengurusan Khidmat Nasihat Ernst & Young Timur Tengah, kelembapan dunia menjejaskan semua pihak dan Takaful juga tidak terkecuali.
Beliau berkata, pengusaha Takaful kini perlu menguruskan kos dengan lebih baik dalam pasaran yang lebih mencabar kerana landskap risiko telah banyak berubah.
“Portfolio pelaburan, kepakaran sumber manusia dan persaingan akan menjadi risiko perniagaan paling hebat dalam 12 bulan akan datang.
“Pengusaha-pengusaha (takaful) juga perlu menilai semula perniagaan teras masing-masing, dan memberikan tumpuan kepada usaha mencapai keuntungan taja jamin,” tegasnya.
Laporan itu mencadangkan bahawa dalam berhadapan dengan portfolio pelaburan berisiko tinggi, pengusaha Takaful perlu mempertingkat keupayaan pengurusan portfolio dan menambah pulangan terlaras risiko mereka. – Bernama

Utusan Malaysia 16 April 09

5 MISTAKES THAT CAN RUIN YOUR LIFE (INSURANCE)

by Barry Higgins (Contact Author Biography)

There are many good reasons to consider buying a life insurance policy, such as a recent marriage, a new baby, or a large debt purchase (like a mortgage) that loved ones would have trouble paying if something happened to you. Or, perhaps you have witnessed first-hand the impact a death has on a surviving family's finances. If you're in the market for life insurance or have recently bought a policy, make sure you don't put your family's finances in jeopardy by making these mistakes. (Read about whether you need life insurance and if so, how much you should get in How Much Life Insurance Should You Carry?)

Mistake No.1 - Waiting to Buy Insurance

Regardless of the reason, it's important to take action as soon as you feel a policy is required. Life insurance rates generally increase as people age or their health deteriorates. And, in some cases, illnesses or health problems may make you ineligible for coverage. The longer you put off the buying decision the more the insurance will probably cost - if you can buy it at all.

Mistake No.2 - Buying the Cheapest Policy

While it is important to shop for a policy that's priced in line with the rest of the marketplace, that should not be the sole consideration in your decision-making process. Life insurance policies can be a bit complicated, so it's a good idea to learn about policy features and benefits.Many people mistakenly believe that price is the only differentiator for term life insurance. However, there are important policy provisions that you should investigate before going with the lowest price. Most term policies are "convertible," meaning they may be exchanged for a permanent type of life insurance policy at a later date regardless of your future health. Some policies also offer more generous conversion privileges than others. Get an understanding of how long the conversion option is available; the most generous conversion privileges are available for as long as you pay term policy premiums or to a specific age, such as 70. Also, make sure to find out if there are any restrictions on the type of policy available for purchase under the conversion privilege. Some policies offer just one type of permanent policy at conversion, while others offer several. (Keep reading about term life insurance in What is term insurance?)

Mistake No.3 - Making Late or Missed Payments

If you're considering buying a universal life policy with secondary guarantees - low-premium guaranteed death benefits for life or for a specified period of time - a late payment can have an impact on policy benefits.Universal life is a special type of permanent policy that has been marketed as having long-term guaranteed protection at the lowest possible rate - it is very different from term insurance. While many of these types of policies have cash surrender value, universal life with secondary guarantees focuses on maximizing the amount of insurance available per dollar of premium.Some of these policies can be sensitive to the timing of premium payments. For example, if you happen to miss a monthly payment - or are more than a month late sending in your check - your guaranteed policy may no longer be guaranteed. A policy purchased with guaranteed coverage to age 100 might only provide protection to age 92 if one premium payment is late or missed. Be sure to check with your company if you think you're going to be late on a payment; many will allow 30 to 60 days without changing the policy's

Mistake No.4 - Forgetting Insurance Is an Investment

The Financial Industry Regulatory Authority (FINRA) considers a variable life insurance policy an investment, so it is important for you to treat it as one too.A variable life insurance policy is a permanent type of policy that provides life insurance protection with cash value. Part of the premium goes toward life insurance, and part goes into a cash value account that is invested into various mutual fund-like investments you choose. Like mutual funds, the value of these accounts fluctuates and is based on the performance of the underlying investments. People often look to these policy values in the future as a source of funds to supplement their retirement income. (To learn more, see What is variable life insurance?)You must fund a variable life policy sufficiently to maximize its cash value growth. This means continuing to make adequate premium payments, especially during times of poor investment returns. Paying less than originally planned can have a big impact on the cash value available to you in the future. It's also important to monitor your policy's performance and periodically "rebalance" your accounts to your desired allocation, just as you would with any investment account. This will help ensure you're not taking on more risk than you had planned when you set up your account.

Mistake No.5 - Borrowing From Your Policy

The cash value of a permanent policy can generally be used for any reason you see fit, including tax-free withdrawals and loans, if done properly. This is a great benefit, but it must be carefully managed. If you take too much money out of your policy and your policy "lapses", or runs out of money, all the gains you've taken out will become taxable. If you have taken too much money out and your policy is about to lapse, you may be able to maintain the policy by making additional premium payments, assuming you can afford them. When accessing your life insurance policy's cash value, be sure to monitor it closely and consult your tax advisor for guidance to avoid any unwanted tax liability.ConclusionThe decision to buy life insurance is an important one. Make sure you do your homework, read your policy and understand all of its provisions. While losing or never buying life insurance may not ruin your life, it will certainly hurt those people who you're buying it for.

Betul Betul Depan Bilboard MAA Assurance..

POLIS memeriksa tempat kejadian di mana sebuah bas merempuh motosikal di persimpangan lampu isyarat di Bayan Baru yang mengakibatkan seorang terbunuh.

GEORGETOWN: Seorang penunggang motosikal terbunuh manakala tujuh lagi, termasuk seorang budak berusia 10 tahun parah apabila sebuah bas kilang merempuh sekumpulan motosikal dan sebuah kereta yang berhenti di persimpangan lampu isyarat Jalan Tun Dr Awang-Jalan Bukit Tengah, di Bayan Baru, semalam. Bas yang membawa kira-kira 20 pekerja kilang dari arah Arena Sukan Antarabangsa Pulau Pinang (Pisa) menuju kilang di Bayan Lepas itu, dipercayai hilang kawalan, memasuki laluan bertentangan di persimpangan itu dan merempuh enam motosikal serta kereta kira-kira jam 5.30 petang. Ketua Polis Daerah Barat Daya, Superintendan Mohd Hatta Mohd Zain, berkata rempuhan itu menyebabkan motosikal Ang Gim Chye, 40, dari Taman Tun Sardon, di sini, terperosok di bawah bas.

Di petik dari www.bharian.com.my (Online pada 13 Jan 09)

CONTEST MALAM PENGHARGAAN : Kumpulan Era Bumi

BERMULA 2 JAN 09 - 4 FEB 09 Ybhg En. Raman bin Hj Md Yasin,Presiden Kumpulan Era Bumi

Kelayakan Menghadiri Malam Penghargaan Kumpulan Era Bumi.

1. 12 KES (Min. 1500 FYP) atau 4000FYP
- 1 bilik Penginapan di Allson Klana, Seremban
- 2 seat Jamuan Makan Malam

2. 8 KES (Min. 1000 FYP) atau 3500FYP
- 1 Bilik Penginapan di Allson Klana, Seremban
- 1 Seat Jamuan Makan Malam

3. 4 KES (Min. 400 FYP) atau 1000FYP
- 1 Seat Jamuan Makan Malam

Ayuh Beramai Ramai!
Pastikan Warga BERJAYA AGENCY memenuhi setiap meja yang diperuntukkan.

BERJAYA GROUP KICK OFF 2009 - CABARAN JAKARTA

SPECIAL UNTUK WARGA BERJAYA AGENCY.
Permulaan Bagi Perjuangan 2009

Bermula..
5 Januari 09 - 28 Februari 09

Kelayakan..
10K FYP SAHAJA.

Terhad Kepada..
TOP 10 Qualifier

Ganjaran..
PERCUTIAN KE JAKARTA
di taja oleh..
PRESIDEN ZB BERJAYA,
EN. MOHAMAD ZAMRIE BABA

-SELAMAT BERJUANG & BERJAYA-