KEJUTAN DIDEDAHKAN !! Bahang Anugerah Juara Lagu ke-30 mula dirasai. Inilah Senarai 30 Lagu Yang Bakal Berentap !! Pamoga Qu Puteh sekali lagi menjadi PENAJA RASMI !! [+viainfo: Apa itu Forex?]

KLIK PADA GAMBAR UNTUK PAPARAN LEBIH BESAR & JELAS

ARTIS, Elizabeth Tan.

KUALA LUMPUR: Petang tadi di Balai Berita diumumkan 30 lagu yang terpilih ke Separuh Akhir Muzik Muzik edisi ke-30. Daripada 30 lagu berkenaan, hanya 12 lagu sahaja akan berentap di Anugerah Juara Lagu ke-30 yang dijangka berlangsung sekitar Januari tahun hadapan. 12 lagu berkenaan akan disenarai pendek menerusi tiga siri persembahan separuh akhir.

Separuh akhir pertama akan berlangsung pada 22 November membabitkan 11 buah lagu, diikuti 10 lagu pada 29 November dan sembilan lagu pada 6 Disember. Antara artis tanah air yang bakal berentap ialah Dayang Nurfaizah, Ayda Jebat, Aizat Faizal Tahir, Forteen, Hafiz, Adira, Hazama, Elizabeth Tan, Kak Azraff, Tasha Mansahar, Bunkface, Stacy, Noh Salleh, Black, Ronnie Hussein dan Amir Jahari.

Tuah juga kepada penyanyi baharu Sandra yang turut mara ke separuh akhir menerusi lagu Hey Kau selepas lagu Lautan nyanyian Yuna menarik diri.

"Muzik-Muzik antara program carta muzik di TV3 yang paling lama bertahan. Malah jenama Muzik-Muzik dan Anugerah Juara Lagu sudah bertahan selama 30 tahun Istimewa tentang kedua-dua jenama ini ialah kredibiliti rancangan ini sebagai platform titik rujukan yang menggambarkan evolusi muzik tanah air.

"Ini kerana setiap tahun kita boleh melihat cita rasa dan kehendak muzik semasa kerana setiap lagu yang terpilih di carta muzik-muzik juga merupakan pilihan dan undian orang ramai. Maka tidak hairanlah kedua-dua rancangan ini memperlihatkan aliran muzik yang terkini setiap tahun" kata Pengurus Besar Kumpulan, Pengurusan Jenama dan Rancangan TV3 & TV9, Sherina Nordin.

Sidang media itu turut mengumumkan penaja yang bakal menyerikan lagi separuh akhir muzik-muzik ke 30 serta bakal menjadi penaja utama Anugerah Juara Lagu yang ke-30 iaitu Pamoga Qu Puteh. Pengasas Vida Beauty, Datuk Seri Dr Hajah Hasmiza Othman atau mesra dengan panggilan Datuk Seri Vida turut teruja menjadi sebahagian daripada acara itu nanti.

"Saya sangat teruja diberi peluang menjadi sebahagian daripada acara yang berprestij ini. Harapan saya, pembawaan jenama produk Pamoga Qu Puteh turut sama diangkat tinggi dalam adunan program ini. Seperti mana AJL yang ditunggu-tunggu oleh semua penonton saban tahun, begitu juga harapan saya pada industri muzik tanah air dan juga penonton supaya sentiasa menyokong rangkaian produk Pamoga Qu Puteh.

"Saya sentiasa berdoa agar industri muzik Malaysia akan lebih maju dan berdaya saing di peringkat antarabangsa dengan penampilan Pamoga Qu Puteh yang diharapkan sentiasa mengiringi dan menggamatkan anugerah yang berprestij ini pada tahun ini. Coming together is only a beginning, keeping together is a process, and working together is a success." Insyaallah," katanya.

Separuh Akhir Muzik Muzik 30 juga akan membawakan persembahan menarik oleh pemenang Projek Muzik Hot FM yag digabungkan dengan penyanyi terkenal setiap minggu di penghujung rancangan. Antaranya Mark Adam bersama Masweera, Awi Rafael dan S.I.R serta Monalyssa bersama Aizat Amdan.

Bahang separuh akhir sudah bermula namun debaran menanti Anugerah Juara Lagu juga makin terasa. Nantikan 30 buah lagu berentap di Separuh Akhir Muzik-Muzik yang berlangsung pada 22 & 29 November serta 6 Disember nanti jam 9.00 malam eksklusif di TV3.

Rancangan ini dihoskan oleh AG dan Fara Fauzana yang bersiaran langsung dari Sri Pentas 2, Plaza Alam Sentral, Shah Alam.

Penonton digalakkan menggunakan #SFMM30 untuk sebarang komunikasi di laman sosial berkaitan Separuh Akhir Muzik Muzik 30.

Separuh akhir pertama

* Biarkanlah - Drama Band

* Langit Tetap Biru - Aizat

* Untuk Cinta - Hafiz & Adira

* Knock Knock - Elizabeth Tan

* Sampai Mati - Hazama

* Hantu Atau Buaya - Nana Sheme

* Cinta Yang Sempurna - Qanda

* Bukan Hal Aku - Kaka Azraff & Aliff

* Di Pintumu - Firman

* Melepaskanmu - Sakura Band

* Terima Kasih Cinta - Tasha Mansahar menampilkan RJ

Separuh akhir kedua

* Hanya Namamu - Caliph Buskers

* Malam Ini Kita Punya - Bunkface

* Potret - Akim &The Majistret

* Not For Sale -Stacy

* Hey Kau - Sandra

* Syurga - Alyah

* Angin Kencang - Noh Salleh

* #Peristiwa - Sofazr, Asfan dan RJ

*Senyum - Aziz Harun

* Mana Mungkin - Black

Separuh akhir ketiga

* Di Koyak Waktu - Ronnie Hussein

* Selalu Ada - Amir Jahari

* Tak Pernah Menyerah - Dayang Nurfaizah

* Al Nura Yang 5 dan 6 - Mawi, Hazama menampilkan Dali Filsuf

* Assalamualaikum - Faizal Tahir

* Siapa Diriku - Ayda Jebat

* Kau Tercipta - Lah Ahmad

* Nyawaku - Azmil

* Linangan Terakhir - Forteen

Sumber: bharian

KLIK DIBAWAH UNTUK LIHAT VIDEO KONTROVERSI KOMEN M NASIR & AC MIZAL DI KONSERT GEGARVAGANZA YANG BUAT BIENDA NAIK ANGIN !!!

Apa itu Forex? ---> KLIK DISINI

What You Need To Know About Car Insurance

If you dream to own a car, you'd have to get your motor insurance sorted, whether it's third party only or comprehensive protection. You like to drive fast, but what happens when you lose control and crash?

You WILL need motor insurance when you buy a car; it's as simple as that . Anyone telling you any different is well...ill informed, or simply has no regard for his or her own welfare - there's no two ways around it, as you will need a car insurance of some-kind to be able to drive legally, even if it's to your mamak stall 5 minutes from home.

According to the Malaysian Institute of Road Safety Research, in 2012 alone, Malaysia has seen over 400,000 road accidents, 6,000 of which has led to road deaths. You can bet that this number has risen in 2014, and will continue to rise with more demand for cars, if there is no changes done for the sorry state of our public transportation system. This is reason enough to buy a motor insurance policy, to save you time and inconvenience when accidents happen.

The 3 Types of Car Insurance

There are three types of motor insurance available in the Malaysian market, namely: 

1. Third Party Cover

Imagine this: It was a rainy night, and you decide to drive your car home after a night of drinking. Your car skids at a junction and hits a pedestrian. By luck, you escaped unscathed - but to your worst fears, the pedestrian had suffered a few broken limbs - ouch!

To avoid forking out an exorbitant amount of money to pay for his or her hospital bills, you need at least a third party car insurance - It is a policy that protects you against claims for bodily injuries or even deaths caused to other persons (third party), including any loss or damage to their vehicle or property. This also means that you cannot claim for any damages on your own person or vehicle, with it being the cheapest and most minimal policy you would need to enable you to drive legally.

2. Third Party Fire and Theft Cover

Like a third party insurance policy, this policy covers you against claims from third parties from bodily injury, death, and loss or damage to their property. Speeding in a neighbourhood and crashed into a house? You policy might pay for a portion of the repairs.Added to that, you will be able to claim compensation for loss or damaged caused by fire related incidents and car theft - so if you fear waking up one day with a missing car from your driveway, you can claim with a fire and theft insurance plan.

3. Comprehensive Cover

This car insurance policy covers all of the above, but the major reason to buy comprehensive is the protection given to your OWN car! In addition to third party protection and fire and theft coverage for you own car, you will get cover for any accidental loss or damage inflicted to your vehicle due to an accident.It is probably a good idea to buy yourself a comprehensive car insurance plan if you own a relatively expensive car - a car that has a market value of more than RM30,000 would fit just nicely in this category.

Types of Motor Insurance	Third party bodily injury/ death and loss/ damage to third party property	Loss/ damage to your vehicle due to accidental fire or theft	Loss/ damage to your vehicle due to an accident
Third Party Cover	YES	NO	NO
Third Party Fire and Theft Cover	YES	YES	NO
Comprehensive Cover	YES	YES	YES

What Your Car Insurance Will Not Normally Cover

If you have read the terms and conditions for all three policies carefully, provided that you actually understood everything, you will realise that some incidents are not covered, even though they occur fairly frequently, for example - you would expect your car insurance to cover your death in the event of a serious accident...but does it really? To be clear, that's what a motor personal accident insurance is for, something you should also sign-up for when taking up a car insurance plan.

1. Your own death or bodily injury because of a motor accident

You would expect that your own death or at least physical injury to be coverage for a modest amount of money; well, stranger things have happened. Your personal accident insurance or medical insurance might have you covered, but not a car insurance plan. Nope, not even the comprehensive cover - that means no hospitalisation allowance or coverage for funeral expenses.

2. Your liability against claims from your passengers

A passenger who gets hurt because of a car accident will usually have an easier case compared to the person behind the wheel - if the accident involves two vehicles, one of the drivers will most likely be found negligent and liable for the physical injury to the passenger. However, you will be able to pay additional premium on your motor insurance to include Passenger Liability Extension Cover, in the event that your passengers choose to sue you.

3. Stolen non-factory fitted vehicle accessories such as car stereos, leather seats, sports rims etc.

Pimping out your brand new Honda City with custom spinning rims, genuine leather seats, and an expensive (but totally unnecessary) sound system might earn you brownie points with your friends and colleagues, but you may also be drawing a lot of unwanted attention from less agreeable people i.e. car thieves. Make sure in addition to your lavish upgrades, you install additional car security features, such as a powerful GPS tracking system!

4. Consequential loss, depreciation, wear and tear, mechanical, technical breakdown failures, or breakages

Like everything else - cars aren't built to last. As vehicle parts wear out with time (excluding parts made out of glass e.g. windshield), the value of your car depreciates along with them - and honestly, a car's value drops the moment it leaves the showroom. You'll probably lose up to 40% of its initial value 5 years down the road - literally! If you're planning to insure a car that is pushing 15 years of age, good luck finding an insurer that'll take you on.

5. Vehicle damage due to acts of nature e.g. flood, landslide, typhoon

These unfortunate events, along with earthquakes and hurricanes are commonly  referred to as natural disasters or acts of God, and are not covered in standard car insurance policies. On the other hand, you may pay higher premiums to extend your policy to cover flood, landslide, landslip including adequate cover for your passengers.As you've read, insurance companies will allow you to add-on optional benefits to your car insurance policy to be insured for all five exclusions that we've mentioned above, including coverage for windscreen repairs and replacement - but of course, you will have to pay a higher premium. So you'd now probably want to know what goes into calculating your premiums?

Your Motor Premium Calculation

Motor insurance premium is calculated according to the Motor tariff set out by Persatuan Insurans Am Malaysia ( PIAM). All insurance companies are required to use the same pricing schedule. This prices are determined by a few factors such as coverage type, use of vehicle, car engine size i.e. cubic capacity, age of vehicle, maximum sum insured, extended coverage and number of registered drivers. However, this is all set to change in 2016, when the current tiered system will be replaced with a new risk based price structure, an effort by Bank Negara Malaysia to deregulate the car insurance industry. 

The 2014 Motor tariff for private cars in West Malaysia is as below:

Cubic Capacity Not Exceeding	Comprehensive (RM)	Third Party (RM)
1400	261.65	108.45
1650	292	121.50
2200	323.80	135.90
3050	355.50	150.30
4100	385.85	163.35
4250	416.20	176.40
4400	448	190.80
Over 4400	478.35	203.85

Tip: The premiums for Third Party Fire and Theft is usually 75% of the pricing for Comprehensive cover.

To estimate your actual premium payment, you can use the formula below:= [the respective Comprehensive/Third Party rate + (Sum insured - 1,000)/1,000 x 26.00 x NCD Entitlement ] 

Avoid Under-Insurance

Lastly, it is very important that you insure your vehicle appropriately according to its current value, whether its at the purchase price for a new car, or the current market value for one that is used. This is to avoid under-insurance that will result in only partial compensations on claims, or worse still over-insurance, where you simply waste money to insure a car above its market value, when the maximum you can claim is at the market value - so why would you want to do that?

Source: ringgitplus.com