Thursday, April 30, 2009

Exercise Myths: 6 Ab Mistakes That Are Holding You Back

1. Myth: To get rock-hard, you have to work your abs every day.

Why: Abs need rest and recovery:
It's only during rest that your muscles build. "Three to five days a week of consistent, dedicated abdominal training should get you strong, sleek abs," says Kathy Kaehler, trainer and author of Kathy Kaehler's Celebrity Workouts.

2. Myth: A good ab workout takes half an hour.

Why: "If it takes you that long to feel them working, you're doing something wrong," says Kaehler. "I trained Jennifer Aniston about three days a week, and
we did no more than five minutes of abs each time." Check your form, don't use momentum and focus on quality rather than quantity.

3. Myth: Super-slow crunches make you stronger.

Why: Taking as much as a minute per crunch doesn't make you stronger than regular crunches do. In fact, ultra-slow ab work is less effective. Ideally, your workout should help you do everything better, from kickboxing to picking up a suitcase - neither of which you do in slo-mo.

4. Myth: The best time to train your abs is at the end of your workout.

Why: "It makes no physiological difference when you train abs,
it only matters that you do it consistently," says abs researcher and physical therapist Gilbert Willett, M.S., associate professor at the University of Nebraska Medical Center. So the best time to work them is simply whenever you're most likely to do it. "But if you do abs at the beginning of your workout, make sure you warm up first. Getting blood moving prevents many types of injuries during a workout."

5. Myth: You can't get a six-pack by doing Pilates.

Why: "Pilates exercises your core, so if you practice it regularly and combine it with diet and cardio, it can give you a six-pack," says Kimberly Lyons, a personal trainer in L.A. But Pilates isn't a six-pack guarantee. "
How your abs look has a lot to do with your genes, how lean you are, how long your torso is and how tall you are."

6. Myth: You won't get firm without a weight machine.

Why: You don't need weights to build sleek and sexy abs, although some competitive athletes do use them to build extra strength. "Many weighted ab machines aren't designed for women," says Lyons. "If you don't fit into the machine properly, you might stress your body in the wrong spot." Her advice: Stick to the floor - it's cheap, effective and available everywhere.

source : yahoo

Tuesday, April 21, 2009

ASB boleh dilabur dalam talian (ASB goes Online!)

Permodalan Nasional Bhd. (PNB) bersama Malayan Banking Bhd. (Maybank) telah melancarkan kemudahan pelaburan tambahan dalam talian(online) sejak pertengahan Mac 2009. Pengenalan kemudahan itu akan meningkatkan kecekapan dan keselamatan pembayaran secara elektronik, sekali gus membolehkan pelabur menambah pelaburan ketika berada di mana-mana sahaja di seluruh dunia.

Kemudahan terbaru ini juga membolehkan pelaburan dibuat untuk akaun pihak ketiga, sekali gus memudahkan ahli keluarga melabur bagi keluarga mereka.

Beliau berkata, Maybank tidak membelanjakan peruntukkan besar untuk menyediakan kemudahan tersebut sebaliknya menggunakan prasarana sedia ada.

Pelabur yang mahu menggunakan perkhidmatan ini perlu mengaktifkan akaun ASB dan kemudian membuat pilihan simpanan untuk membuat tambahan pelaburan. Semua rekod transaksi yang berjaya boleh dicetak. Pelaburan minimum adalah dari RM1 hingga RM200,000 dengan kos transaksi sebanyak RM1.

Pelaburan Min : RM1 - RM200 000

service Charge setiap transaksi online : RM1.

Monday, April 13, 2009

RM5bil National Savings Bond(Islamic Bond) on sale from April 14- May 13 for public

The first batch of the planned RM5bil National Savings Bond where savers can receive a return of 5% per year will be offered for sale from April 14 to May 13.

The Islamic bonds, called Sukuk Simpanan Rakyat, will be launched on May 14 and Bank Negara will issue an initial RM2.5bil worth of bonds for the public to buy.

Each person above the age of 21 will be able to buy a maximum RM50,000 worth of Islamic bonds at any of the country’s commercial and Islamic banks, Bank Kerjasama Rakyat Malaysia Bhd, Bank Simpanan Nasional Bhd and Bank Pertanian Malaysia Bhd.

The minimum amount of bonds a person must buy is RM1,000.

The Islamic bonds will mature in three years. Individuals can, however, redeem their bonds anytime within the bond’s three-year tenure. The allocation of the bonds to the public will be on a first come first served basis and successful applicants will be notified by the banks where their purchases are made. Profit payments will be made on a quarterly basis through the sukuk holders’ accounts with their bank.

Key Features of the Bond :

Please download and print the form from here :

to those who has extra cash in the bank account, you should go for this. the return is much better than bank's Fixed Deposit rate(around 3% per annum). bear in mind, this sukuk is meant for 3 years.

example calculation :
Invest RM2000 for 3 years. return is 5 % per year, so in 3 years, you will get return of 15 % of your investment. 15 % * 2000 = RM300(Rm100 per year).

Monday, April 06, 2009

Bank Rakyat Tambah Modal?

Kementerian Pembangunan Usahawan dan Koperasi sedang mengkaji kemungkinan menambah modal berbayar Bank Kerjasama Rakyat Malaysia Bhd. atau Bank Rakyat. Kajian meningkatkan lagi modal bank koperasi itu daripada RM2 bilion sekarang dibuat untuk membuka peluang kepada lebih ramai rakyat Malaysia menjadi ahlinya.

Keupayaan Bank Rakyat yang menawarkan dividen yang tinggi menyebabkan terdapat banyak permintaan untuk memegang atau meningkatkan pegangan saham dalam bank itu. Sehingga hari ini sudah beribu-ribu orang menunggu giliran sama ada untuk menjadi ahli atau meningkatkan pegangan saham dalam Bank Rakyat. Dividen tahun 2008 adalah 15 %, manakala tahun 2007 ialah 20 %. Jika melabur Rm3000, dividen yang diperoleh untuk tahun 2008 adalah RM450.

Kementerian percaya langkah menambah modal saham berbayar itu tidak akan mengundang masalah memandangkan Bank Rakyat sudah mempunyai landasan kukuh. Bank Rakyat kini berada di tempat ketujuh sebagai bank paling kukuh di Malaysia dengan jumlah aset sebanyak RM41.7 bilion, tertinggi dalam institusi perbankan Islam. Jumlah aset itu mewakili lebih 70 peratus daripada jumlah aset koperasi dan 17.8 peratus jumlah aset perbankan Islam.

p/s : fakri, ready cash..Bank rakyat announce je, terus pi beli..hehe..