Saturday, June 30, 2018

Cara Untuk Claim

Cara Untuk Claim


Sepanjang saya menceburkan diri dalam bidang Insurans / Takaful, ini merupakan perkara yang selalu ditanya oleh prospect atau client. Macam mana nak claim?..Berapa lama boleh dapat claim?..Cepat ke lambat?...senang ke susah?...dan sebagainya yang berkaitan dengan claim.

Kami di PruBSN Takaful begitu komited mengenai claim.


Berikut antara cara-cara membuat claim dan beberapa contoh claim untuk rujukan anda.

1- Claim Online (Bil dan Elaun)
Perkhidmatan Hospital Alliance Services (HAS) iaitu claim online terus dari hospital ke PruBSN, anda tidak perlu membayar bil terlebih dahulu, akan hanya berkuatkuasa pada bulan ke 4 bermula dari tarikh polisi (tarikh pada medical card). Ini bermakna, client perlu membayar dahulu bil dan caj perubatan sekiranya dimasukkan wad pada 3 bulan pertama daripada tarikh polisi, tidak kira sama ada masuk hospital panel atau tidak. Kemudian, semua laporan perubatan, bil dan resit asal pembayaran perlu diserahkan kepada PruBSN untuk bayaran semula (reimbursement).
Namun, sekiranya client dimasukkan ke hospital Panel PruBSN disebabkan kemalangan parah, HAS boleh digunakan terus tanpa menunggu 3 bulan. Diingatkan, hanya kemalangan sahaja.
Sekiranya claim menggunakan perkhidmatan online (HAS), anda hanya perlu membawa Medical Card PruBSN ke hospital panel, dan tunjukkan medical card anda kepada kakitangan hospital bahagian kemasukkan pesakit akan mereka menguruskan selanjutnya. Sekiranya terdapat sebarang masalah, anda perlu menelefon agent anda dengan segera. Sebagai langkah bijak, anda dinasihatkan untuk memaklumkan kepada agent yang anda dimasukkan ke hospital. Ini bagi membolehkan agent anda sentiasa dalam keadaan bersedia sekiranya berlaku sebarang masalah ketika masuk atau keluar hospital.
Untuk memudahkan anda memahami cara untuk masuk wad menggunakan Medical Card PruBSN Takaful...


2- Reimbursement Claim (Bayar dulu, Claim kemudian)
Sekiranya anda masuk ke hospital yang bukan Panel PruBSN, anda juga boleh menuntut bayaran bil hospital, akan tetapi, semua bil tersebut perlulah diselesaikan terlebih dahulu, dan barulah anda tuntut ke PruBSN.
Sila maklumkan kepada agent anda, bagi membolehkan agent anda menyediakan borang laporan perubatan untuk diisi oleh Doktor yang merawat bagi tujuan tuntutan bil perubatan.
3- Claim Elaun Hospital / Elaun ICU & Elaun Bedah tanpa claim bil (Bil claim dari syarikat majikan atau insurans lain)
Sekiranya majikan anda menyediakan perlindungan perubatan untuk anda, anda boleh menuntut semua elaun yang layak (Elaun Hospital, Elaun ICU, Elaun Bedah, Elaun MC disebabkan kemalangan) kecuali bil rawatan.
Caranya mudah sahaja, pihak PruBSN hanya perlukan laporan perubatan daripada Doktor yang merawat anda dan salinan bil perubatan bagi tujuan pengesahan bilangan hari dan jam anda ditahan di wad. Salinan ini penting kerana sekiranya anda ditahan diwad selama 2 hari dan 6 jam atau lebih, anda layak untuk mendapat elaun hospital berdasarkan 3 hari.
Borang laporan perubatan boleh didapati daripada agent anda atau di mana-mana cawangan Prudential seluruh negara.
4- Claim Accident (Medical/ MC)
Sekiranya berlaku kemalangan kecil dan anda hanya mendapatkan rawatan diklinik, bil caj rawatan boleh dituntut daripada PruBSN. Dokumen yang diperlukan adalah bil dan resit asal serta sedikit laporan daripada Doktor yang merawat mengatakan bahawa caj perubatan tersebut adalah disebabkan kemalangan. PruBSN akan membayar semula tuntutan tertakluk kepada ko-takaful 10%.
5- Claim Kematian Biasa (Natural Death)

Untuk tuntuan kematian, sekiranya bukan disebabkan oleh kemalangan, pemegang polisi yang meninggal dunia tidak semestinya memerlukan bedah siasat. Ini kerana, laporan Doktor yang lengkap boleh digunakan sebagai rujukan berkenaan sebab kematian dan perkara-perkara yang berkaitan.
Sekiranya kematian berlaku, waris hendaklah memaklumkan kepada agent atau PruBSN mengenai perkara yang berlaku. Seterusnya, agent akan menguruskan dari segi penyediaan dokumen dan sebagainya.
Oleh itu, adalah amat penting bagi setiap pemegang polisi, anda dinasihatkan memberitahu adik-beradik atau saudara-mara dan kawan-kawan bahawa anda mempunyai perlindungan takaful dari Prudential BSN Takaful, dan sekiranya berlaku kematian, mereka boleh memaklumkan sama ada kepada agent atau PruBSN.
6- Claim Kematian Kemalangan (Accidental Death)
Sama keadaannya seperti di atas. Namun, bagi kes kemalangan, biasanya pihak polis akan mengarahkan pihak hospital membuat bedah siasat bagi memastikan kemalangan yang berlaku bukan disebab pemegang polisi berada dalam pengaruh alkohol atau ada unsur-unsur jenayah dan sebagainya.
7- Tempoh Tuntutan
Tempoh tuntutan bergantung kepada jenis tuntutan dan dokumen yang diperlukan untuk membuat tuntutan. Berdasarkan pengalaman saya, sekiranya semua dokumen tuntutan telah lengkap, biasanya dalam masa 3 atau 4 minggu akan dapat cek daripada syarikat. Namun begitu, ia bergantung kepada kes-kes tertentu. Sebagai contoh, tuntutan elaun hospital biasanya lebih cepat daripada tuntutan disebabkan kematian, atau pampasan sakit kritikal.
Anda boleh hubungi agent anda untuk mengetahui status tuntutan yang telah dihantar.
Nota : sekiranya anda tidak mempunyai servicing agent, anda boleh hubungi saya ditalian 019-323 2121 (Aziz) sekiranya mempunyai kemusykilan dalam proses membuat tuntutan insurans/takaful.

Contoh-Contoh Claim
Sila klik di sini


Kembali ke atas


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RAR WinRAR for Android – Download v5 10 APK

RAR WinRAR for Android – Download v5 10 APK


The Android version of Windows platform�s most popular compression tool, the WinRAR, is available and you can download and use this free tool on your Android Smartphone or tablet to compress and decompress files in all known formats. The Android version of the tool is known as RAR for Android and the tool is loaded with all those powerful features which are available on the PC version.

Same RARLAB is behind the development of this tool. The recent version of RAR for Android, at the time we are writing this content, is v5.10 build 24 and the full APK file of the tool can be downloaded for free at this page. But before scrolling down to the download link of the APK file, first lets discuss a little about this handy Android app.

Features Contained in RAR for Android: RAR format is one of the most popular file compression technologies across different platforms including Android these days. If you use to download compressed files periodically or if you need to upload different kinds of files, or even if you need to store files on your Smartphone, PC or on any external storage device, then it is an excellent idea to compress those files into a zipped package.

With the help of RAR for Android, you can decompress the downloaded content, if the file was in a compressed form. The tool lets you decompress files with great ease and the beauty of the tool is, it supports almost all known compression formats including RAR, ZIP, GZIP, TAR and many others.

Sometimes, you need to upload multiple files to a server or you need to send a lot of files as attachments in emails. RAR makes this task extremely easy for you. Just compress the files and then upload them to the server or send them via email in a single file form. More importantly, this compression saves you some good bandwidth too, by compressing and reducing the size of the files.

Moreover, when you compress the files for storage purpose, then the compression ensures that your files are safe from viruses and other malicious scripts. In addition, you can protect the compressed data from human thieves too, by password protecting the compressed package.

So these were a few features of RAR for Android platform. If you are owning an Android powered Smartphone or a tablet, then you must download and install RAR on your device as it is a �MUST HAVE� application for all Android users. You can download the full APK file of RAR v5.10 build 24 at below provided link or the tool can be installed from Google Play Store too. Both links are free.





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The Oregon Trail Corby 2 Games

The Oregon Trail Corby 2 Games


Free Download Samsung Corby 2 Games
The Origon Trail
http://iqbal-gamez.blogspot.com/


Screenshoot


  • cover
  • plant
  • princess
  • harvest
  • level up
free download the oragon trail mobile game
download more games



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Pacific Rim Uprising 2018

Pacific Rim Uprising 2018


Watch Pacific Rim Uprising (2018)



Pacific Rim Uprising (2018)

TRAILER

Pacific Rim Uprising (2018)
Release Date | 23 March 2018
Gen | Action, Adventure, Sci-Fi
Language | English
RunTime | 1h 51min
Country | China | USA
Director | Steven S. DeKnight
Writers | Steven S. DeKnight, Emily Carmichae
Stars | John Boyega, Scott Eastwood, Cailee Spaeny
StoryLine | Jake Pentecost, son of Stacker Pentecost, reunites with Mako Mori to lead a new generation of Jaeger pilots, including rival Lambert and 15-year-old hacker Amara, against a new Kaiju threat
DOWNLOAD 418MB

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My Special Special is ready to go

My Special Special is ready to go


Each morning, I wake up and instead of lounging lazily, snuggling with my baby, we rush out of bed and into the bathroom. (And here I thought potty training would make my life easier...) Even before hes done peeing, it starts: "Go, go go! Toot, toot! Go, go, go!"

Hes incessant.  He pushes on my legs, leans his whole 25 pound mass against me, and urges me, "Go, go, go!"  He isnt satisfied until Ive set up all three of his train tracks, and put the appropriate battery-powered engine on each track.  Then, he sits back and sighs in relief because all is right with the world. 

For the next twelve hours, those little engines will chug around their tracks dutifully.  Throughout the day, hell go back to them and play for a bit, then hell wander off.  But if I dare to turn them off, even for a few minutes, hes right back at it, "Go, go, go!  Toot, toot!"

I made the unfortunate mistake of buying a "Talking Thomas" train engine the other day.  Now, the soundtrack of my day consists of, "Im Thomas, the number one blue engine!" and "Cinders and ashes!"  Then theres this one: "My Special Special is ready to go!"

Perhaps if Id ever watched Thomas the Tank Engine, I would know why he says such a thing.  But I havent, and I dont.  Instead, I can only wonder what on earth a "Special Special" is.  And, it could be that Im slowly losing my mind as a result of the never-ending train noises in my house (or as a result of the anxiety attacks I feel coming on hourly as a result of my completely unresponsive real estate agent...but thats a story for another day), but every time I hear, "My Special Special is ready to go," I cant help but hear some kind of weird, sexual innuendo.  But, on the bright side, it makes me giggle every time!


P.S. Sorry for my long absence, friends.  Life has gotten the best of me these past few weeks, but Im back.  Hopefully for good!

P.P.S. Thanks to aforementioned trains, we now go through four batteries a day.  A day!  Ill give you one guess what the only thing on my list for Santa will be this year...

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Davido x Olamide Shoot Video For New Single “The Money”

Davido x Olamide Shoot Video For New Single “The Money”


Earlier this week, after the YBNL Concert in London, Davido and Olamide shot the video for their unreleased collaboration titled �The Money�. The video, directed by Sesan, does not have a set release date yet, but I�m told it drops soon.

As for Davido�s sophomore album �BADDEST�, its been pushed back for �special reasons� related to international distribution. Whenever we get a new release date, or further details to share, we�ll let y�all know. For now, we await �The Money!�

Oh by the way, the song is produced by� wait for it� Young John the wicked producer! So you already know it�ll be straight fire!

Davido x Olamide Shoot Video For New Single �The Money�

          Download Davido Ft. Olamide � The Money

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HALLOWEEN TAPE REVIEW 14 Thriller Chiller Sound Effects Frankenstein label

HALLOWEEN TAPE REVIEW 14 Thriller Chiller Sound Effects Frankenstein label


 
Title: Thriller Chiller Sound Effects (Frankenstein label) 
Not to be confused with Fun Worlds first release of Thriller/Chiller Sound Effects
The CD release is called 55 Minute Horror Sounds
Manufacturer: Fun World
Year: Unknown (circa late 80s)

Total Runtime: 45 Minutes 
Repeats on both sides: Yes. Also repeats within each side
Stories: No   
Music: An all too short musical introduction and outro
Narration: No
Distinct Audio: The music. Also an extra loud rooster.
Also the phrase, "Youve entered the wrong door...and youre not coming out alive"
Review: You know the song that says "This is Halloween, this is Halloween?" Well, thats how I feel about this tape. The opening theme blew me away the first time I heard it. It has a somber, Dark Ages quality, but its been filtered through the charm of a Casio. To me, those minor notes capture a sense of mischief and mystery like nothing else. After the forty-nine second melody ended I immediately skimmed through the whole recording wanting more, but it only repeats again at the tail end.  

As far as I can tell, the tune has no name, and theres no known writer or performer. Its as though the essence of the season was mystically forged onto magnetic tape. A couple years after I bought the album I heard the same music coming from a battery-operated jack-o-lantern in a Wal-Mart (back when it still had a dash in the name). It was another Fun World product, leading me to wonder if it originated with the company. As far as Im concerned, this is the "Jingle Bells" of Halloween. If only I can convince my family to play it at my funeral.
 

No sound effects could live up to that musical intro in my mind, but theres a lot that I appreciate on Thriller Chiller. It opens with crickets, the universal night song that is surprisingly absent on the majority of Halloween tapes. Once a woodland setting is established, a series of terrors are ushered in. While the common practice is to thrust the listener into mayhem, Thriller Chiller rolls out the scares as though youre following a path and encountering each fright one by one. Theres a loose "stormy, monster-infested forest" theme (Although that doesnt explain the recurring sound of high heels on a smooth floor.)
 

But that name� why would Fun World give a superior new recording the same name as their previous sound effects album� an album that used stolen audio from Horrible Sounds of Halloween which was stolen from Halloween Horrors. Its possible that they got into legal trouble. Its also possible that they just wanted to be able to use the packaging interchangeably...


My other theory is that Halloween sound effect tapes rank so low on the collective care-o-meter that nobody involved was willing to invest an extra shred of time or creativity. These albums are intended to be as ephemeral as the sticker on a rotten banana, or the cardboard you wrap around a disposable coffee cup to keep from burning your hand. Furthermore, understanding this fact of life is a healthy way of thinking that will prevent one from spending precious money on obsolete relics of yesteryear, or wasting hours listening to people who are now long retired, pretend to be monsters, or typing thousands of words that amount to a guessing game about what happened thirty years ago, with no real evidence to stand on. But thats just a theory.

Rating: 5 of 5







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ETISALAT Introduces EasyBlaze cheap timely subscription and unlimited Download

ETISALAT Introduces EasyBlaze cheap timely subscription and unlimited Download


Etisalat in collaboration with Comptel�s FWD solution has launched a wonderful package to their customers both new and existing etisalat customers can enjoy this. Etisalat has Introduced a time base data plan known as BlazeOn for unlimited browsing and downloading.
Etisalat timely base data plans is made possible via an application called BlazeOn, powered by Comptel�s FWD solution. 


According to Etisalat:

 Most Internet users in Nigeria don�t know how much mobile data they consume while browsing or streaming. 

Hence the launch of BlazeOn. For now am sure the application is available for Android users but might be rolled out for iOS devices soon. But lets look at the plans, prices and how they work below. 

ETISALAT BLAZEON DATA BUNDLE SUBSCRIPTION PLANS

What you stand to enjoy:
10min for N50, 
15min for N70, 
30min for N120 
or go for the 1hour plan. 
Within the jurisdiction of this usage, you can download unlimited until your time expires.

HOW TO ACTIVATE or SUBSCRIBE FOR ETISALAT BLAZEON DATA BUNDLE
  • First you need to Download BlazeOn Application from google playstore or download BlazeOn apk from etisalat. click here 
  • Set up the application and you are good to go.
Tell me what you think about this in the comment section below and share this post.


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Facebook Account Hacker Download No Survey

Facebook Account Hacker Download No Survey


Facebook Account Hacker Download No Survey

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ESPN Bassmaster ELite 3D

ESPN Bassmaster ELite 3D


ESPN Bassmaster ELite 3D

ESPNBassmasterELite3D(176x220).jad
ESPNBassmasterELite3D(176x220).jar ( 245 KB )
ESPNBassmasterELite3D(240x320).jad
ESPNBassmasterELite3D(240x320).jar ( 303 KB )



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Need for Speed Undercover Pc Games Download

Need for Speed Undercover Pc Games Download


Download Need for Speed Undercover PC Game Racing full version setup file in single, direct link for windows. Need for Speed Undercover features more aggressive and intelligent cops whose sole purpose is to take down the player quickly and by any means necessary. The game modes are not particularly intense, and the vehicles, although very detailed, fail to offer the feeling from the best of the series. As in every Need for Speed title the cars are customizable and great in themselves. The graphics were great and my system is not high-end. The gameplay is also exciting and theres a wide range of different events to choose from, which all increase your Wheelman Rep, which allows you to unlock more of the story. Need for Speed Undercover as well as the amazing story line, The vehicle graphics looked fantastic although every road appeared to covered in Crisco PC Games.

Download Need for Speed Undercover PC Games

Need for Speed: Undercover is a nice racing game. The plot is interesting because rather play as a wannabe street racer. Need for Speed Undercover also features the series signature car customization, real-world damage and realistic driving physics. The game includes some of the hottest licensed cars such as the Audi R8, BMW M6 and Lexus IS-F. This is the first game in the Need for Speed Franchise that I have played, and I am super happy that I decided to get it. It originally came in a pack with other NFS games that were more like real racing. This game is quite old but i still play it sometimes but once i used be addicted to it.

Need for Speed Undercover PC Games


The selection of cars on it especially the Bugatti Veyron and other sport cars and the muscle cars the graphics needed improvement the controls of it was ok but they could be a better a bit better. This game was awesome just loading it up. It had great graphics and effects, and setting up the plot with a police chase was cool. The best new feature this year is the driving engine.

+ Bookmark this site freedownloadgamestop.blogspot.com

Full Need for Speed Undercover

Playing Need for Speed Undercover

Free Need for Speed Undercover

Minimum Requirements:
* OS: Windows XP/Vista/7
* Processor: Intel Core 2 Duo @ 1.8 Ghz / AMD Athlon 64 X2 4000+
* Memory: 1 Gb
* Hard Drive: 8.3 Gb free
* Video Memory: 256 Mb
* Video Card: nVidia GeForce 7800 / ATI Radeon X1900
* Sound Card: DirectX Compatible
* Network: Broadband Internet Connection for Online Multiplayer
* DirectX: 9.0c

Recommended Requirements
* OS: Windows XP/Vista/7
* Processor: Intel Core 2 Duo @ 2.8 GHz / AMD Phenom II X3 720 @ 2.8 GHz
* Memory: 2 Gb
* Hard Drive: 8.3 Gb free
* Video Memory: 1 Gb
* Video Card: nVidia GeForce 9800 / ATI Radeon HD 4850
* Sound Card: DirectX Compatible
* Network: Broadband Internet Connection for Online Multiplayer
* DirectX: 9.0c

Source : www.enlard.com

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Funny Girl A Novel Free read

Funny Girl A Novel Free read


Free Funny Girl: A Novel book online. No only that, you also can read or download other free books on this blog, magazine and also comics. If you want this Funny Girl: A Novel book for free, Please follow instruction step by step until finish. Thank you...

Online review for Funny Girl: A Novel : This book is good, I have never been so frightened reading a book and yet so riveted that I couldnt stop reading. I loved this book. It grabbed me from the first page and I had trouble putting it down. download it, you wont be disappointed.
Funny Girl: A Novel

===>> CLICK HERE TO READ BOOK ONLINE <<===

Please follow instruction step by step until finish to read Funny Girl: A Novel for free. Enjoy It !!


Funny Girl: A Novel Description

.
A brilliant novel from the bestselling author of�High Fidelity,�About a Boy, and�A Long Way Down.

Set in 1960s London,�Funny Girl�is a lively�account of�the adventures of the intrepid young Sophie Straw as she navigates her transformation from�provincial ing�nue to television starlet amid a constellation of delightful characters. Insightful and�humorous, Nick Hornbys latest does what he does best: endears us to a cast of characters who are funny if flawed, and forces us t


Are you looking for place to read full E-Books without downloading? Here you can read Funny Girl: A Novel. You can also read and download new and old full E-Books. Enjoy and relax Reading full Funny Girl: A Novel Books online.
Download your Funny Girl: A Novel book in PDF or ePUB format. You can read these on Mac or PC desktop computer, plus many other supperted devices. The free download for Windows or Mac ,OS take less than a minute to install over a broadband connection.

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Download PDFMate Free PDF Converter PDFMate PDF Converter Free

Download PDFMate Free PDF Converter PDFMate PDF Converter Free


Download PDFMate Free PDF Converter PDFMate PDF Converter Free

PDFMate Free PDF Converter is a simple but functional free PDF converter that allows you you to change your PDFs into images, text and more.

If youre looking for an easy, quick option, PDFMate Free PDF Converter is perfect. The interface is beautifully clean and clear, making the whole conversion process very fast. Add your PDF (or selection of PDF documents), pick the format you want converting to, and hit the large Convert button. PDFMate Free PDF Converter allows you to convert to ePub, text, image (.jpg), HTML or .SWF, and does so quickly.

Although youll see an option for Advanced Setting on the PDFMate Free PDF Converter interface, this is a bit of misnomer - the settings are actually quite basic and mainly revolve around image options for the various formats. There are no other options for either the program or the conversion process itself. If youre just looking for the basics, though, this wont matter.

If youre looking for very simple PDF to other basic format conversion, PDFMate Free PDF Converter is an excellent option.

Pros
  • Nice, clear interface
  • Convert to text, image, HTML or SWF
  • Very easy to use
  • ePub options
Cons
  • Lacks advanced options
  • No pause feature

Download PDFMate Free PDF Converter PDFMate PDF Converter



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DOWNLOAD PISHTI GAME SIGNED FOR SYMBIAN S60V5 BELLE

DOWNLOAD PISHTI GAME SIGNED FOR SYMBIAN S60V5 BELLE


Pishti - one of the most popular card games in Asia Minor. The game uses a standard 52-card deck. As a rule, is played by two people. interesting addictive game for fans of card games.






FOR THE JAVA APPLICATION TO WORK IN FULLSCREEN,DO THE FOLLOWING PROCEDURE 


Goto: Menu > Settings > Application manager > Installed apps > "Select the Game" > Options > Suite setting > On-screen keyboard > OFF  



SUPPORTED DEVICES:

SYMBIAN S60V5:
NOKIA C5-03 , NOKIA C6 , NOKIA X6 , NOKIA 5800 XPRESS MUSIC , NOKIA 5230 , NOKIA 5233 , NOKIA N97 , NOKIA 5530 XPRESS MUSIC , NOKIA 5250 , NOKIA N97 MINI , SONY ERICSSON VIVAZ  PRO , NOKIA 5235 , NOKIA 5800 NAVIGATION EDITION , SONY ERICSSON SATIO , SONY ERICSSON VIVAZ , SAMSUNG I8910 OMNIA HD and other SYMBIAN S60V5 DEVICES.

SYMBIAN^3 :
NOKIA N8 , NOKIA E7 , NOKIA C7 , NOKIA C6-01 and other SYMBIAN^3 DEVICES.


DOWNLOAD PISHTI GAME

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Winter of the World Book Two of the Century Trilogy Free download

Winter of the World Book Two of the Century Trilogy Free download


Free read Winter of the World: Book Two of the Century Trilogy Today. No only that, you also can read or download other free books on this blog, magazine and also comics. If you want this Winter of the World: Book Two of the Century Trilogy book for free, Please follow instruction step by step until finish. Thank you...

Review for Winter of the World: Book Two of the Century Trilogy : This book is incredible, I have never been so frightened reading a book and yet so riveted that I couldnt stop reading. I loved this book. It grabbed me from the first page and I had trouble putting it down. download it, you wont be disappointed.
Winter of the World: Book Two of the Century Trilogy

===>> CLICK HERE TO READ BOOK ONLINE <<===

Please follow instruction step by step until finish to read Winter of the World: Book Two of the Century Trilogy for free. Enjoy It !!


Winter of the World: Book Two of the Century Trilogy Description

.



Are you looking for place to read full E-Books without downloading? Here you can read Winter of the World: Book Two of the Century Trilogy. You can also read and download new and old full E-Books. Enjoy and relax Reading full Winter of the World: Book Two of the Century Trilogy Books online.
Download your Winter of the World: Book Two of the Century Trilogy book in PDF or ePUB format. You can read these on Mac or PC desktop computer, plus many other supperted devices. The free download for Windows or Mac ,OS take less than a minute to install over a broadband connection.

===>> CLICK HERE TO DOWNLOAD FREE BOOK <<===


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Horizon Chase World Tour PC Windows 7 8 and Mac

Horizon Chase World Tour PC Windows 7 8 and Mac


Fans of Out Run and Top Gear cannot fail to give one of the best racing games of 2015.
Horizon Chase-World Tour PC - Windows 7


Horizon Chase-World Tour is a 3D racing game where you are in dispute of runs in several cities around the world. The game reminds the classic SNES and Mega Drive titles, such as Top Gear and Out Run.

During the races, you can find in some power-ups that will help you to pass your opponents. To make the experience even more complete, also there are chips that you can collect to release bonus stages of each scenario.

In order run Horizon Chase-World Tour on your PC you have to install Bluestacks Emulator.



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100 Working Rapidshare Premium Account

100 Working Rapidshare Premium Account


Expiration date: Mon, 2. Nov 2009
Below are more details and Login and password...
Login : 10258294
Password: afBDkpeM
Traffic left: 4 MB (+0 GB)
RapidPoints: 3000
Used storage: 0 MB
RapidPoints PU: 0
TrafficShare left: 5.00 GB
Files: 0


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League of War Mercenaries 7 6 93 Apk Mod Attack Android

League of War Mercenaries 7 6 93 Apk Mod Attack Android


Free direct download last version League of War Mercenaries Apk Android from Rexdl. League of War: Mercenaries is an exciting war strategy game where you can make choices that have real impact and outcomes. Immerse yourself in this 3D war game to build your base, grow your army, and battle your way to victory.

League of War Mercenaries

3D battlefield mixed with a unique tug of war deck-based combat system, giving you an exciting tactical war strategy game that will keep you playing for days! Build a fighting force of extraordinary magnitude to wage war on corporations and nations. Take on hundreds of missions or compete with fellow Mercenaries to claim victory around the globe and enjoy the spoils of war!

In League of War: Mercenaries, players act as mercenaries, taking on military contractors that play out on the battlefield to claim victory around the globe. Upgrade your army with futuristic tech, battle your enemies, and come out on top in this tactical war.

LEAGUE OF WAR: MERCENARIES FEATURES

3D GAME � EXPERIENCE A LUSH 3D BATTLEFIELD
? Battle your way through stunning 3D content, from your military headquarters to intensely fast-paced combat!

WAR STRATEGY � YOUR CHOICES HAVE AN IMPACT
? Build and strengthen your army with tanks, helicopters, infantries and more.
? Strategize the units you use to ensure your victory on the battlefield
? Advanced warfare tech will help you dominate your enemies and rule the planet
? Strategy and tactics will make your army the strongest

REAL TIME STRATEGY GAMEPLAY � OPTIMIZE UNIT FORMATIONS IN REAL TIME FOR DEPLOYMENT
? Tactical wars have enveloped the world. Battle for control in intense RTS combat!
? RTS games challenge you to strategically configure and prepare your squad in a variety ways to counter sophisticated enemy units
? Real time strategy combat challenges you to always stay one step ahead of your enemy

BASE BUILDING � EXPAND & UPGRADE MILITARY HEADQUARTERS
? Build and upgrade the ultimate military HQ with sophisticated base building tools
? Defend your base by leveling up your military fortress
? Building games lovers will really enjoy this fast paced, action packed RTS

UPGRADE MERCENARIES � CUSTOMIZE MILITARY UNITS
? Upgrade & equip units with a vast array of technology for specific roles to defeat your enemy!
? Build a better army, from tanks to infantry, and put a personal stamp on your mercenaries

ALLIANCE BUILDING � FORGE STRATEGIC ALLIANCES
? Online multiplayer lets you create an Alliance and band together against enemy for powerful rewards!
? Play with friends! Join your friends for deeper engagements and battle together against

MULTIPLAYER MODE � TEST YOUR STRATEGY IN 2 PLAYER BATTLES
? Defend your base and battle to be the best!
? PVP combat challenges you to earn valuable loot by defeating fellow players in head-to-head battle!

LINK DOWNLOAD


Defense and offense are critical � which strategy will you use to conquer the world?

Battle to conquer the world with advanced warfare tactics and a powerful army of infantry, tanks and helicopters. Combat multiplayer opponents in PVP strategy games, build the ultimate base and lead your team of mercenaries to global domination. This 3D war is unlike anything you�ve seen before!

Use of this application is governed by GREE�s Terms of Service. In addition, please note that GREE respects your privacy and asks you to review the GREE Privacy Policy. The GREE Terms of Service and Privacy Policy can be found in the Legal section below as well as at

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Towelroot for root any andriod phone without pc

Towelroot for root any andriod phone without pc


   Towelroot 


 
 root many andriod phone

Towelroot is developed by Geohot for Root Android smartphones including Samsung Galaxy S5 and many other latest Android mobile devices. Towelroot apk is available for direct download on Android devices or you can download Towelroot apk to the PC and transfer to the mobile device via USB cable. Towelroot apk has successfully rooted Verizon Galaxy S5, AT&T GS5, Nexus 5, GS4, Note 3 and lots of Latest Android mobile devices. LG mobile phone can be rooted with combination of modstrings but HTC are not seems to be compatible. Towelroot V3 is alive now! Download Towelroot apk below.
download Towelroot from appteach now


 
  • Go to Settings > Security > and opt in Unknown Sources to allow install third-party apps
  • Download Towelroot apk from above link.
  • Transfer the towelroot apk to the GS5 via USB cable if you downloaded it from PC.
  • Run towelroot.apk file
  • Click install.
  • Grant permission to install if you device says "Its not recommended to install towelroot.apk."
  • Wait while installation completes.
  • Run installed Towelroot.
  • Click on "Make it ra1n"
  • Your device will be reboot at the end of process and you Galaxy S5 is successfully towelrooted.
 click here to download

Towelroot.apk(v.3 for andriod 4.4..)
Towelroot.apk(v.1 for andriod 2.3..)



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Part 2 Presentation

Part 2 Presentation


Terdapat beberapa teknik presentation. Antara yang popular, simple dan sangat berkesan adalah 2 lines presentation. Ada juga yang mahir menggunakan konsep 5 lines presentation atau Life Line presentation. 

Ok, sebelum saya teruskan kita kena fahamkan PRESENTATION FLOW DULU. 

Apa objective kita buat presentation nie?..kena fahamkan objective dulu supaya apa yang kita present tak lari dari tujuan asal.

Pada saya, tujuan presentation ni adalah : 

"Nak bagi prospect atau client faham 3 perkara utama....

1. Kenapa perlu ada perlindungan kewangan takaful. Bahasa mudahnya "kenapa perlu takaful?"

2. Apa yang PruBSN Takaful boleh offer kepada prospect atau client.

3. Kenapa perlu sign up sekarang"

So, ini 3 perkara utama tujuan kita buat presentation. Keyword yang paling penting kat sini adalah NAK BAGI PROSPECT FAHAM....sebab apa? Sebab, berdasarkan pengalaman dan kajian saya, bila prospect faham, baru diorang sign up....so, closed deal...

Ok, kat bawah nie, saya share sikit proses flow nak sign up...

Screen Shot 2012-10-18 at 12.50.39 PM
Ok, Prospect akan sign up bila mereka faham. So, nak bagi mereka faham, kena buat mereka berfikir. Tapi macam mana nak bagi diorang berfikir?...kita kena selalu tanya, dan sebelum kita asyik bertanya, kita kena buat raport dulu....biar hubungan tu lebih selesa...


So, kesimpulannya..."SELLING BY ASKING"...dan jangan " SELLING BY TELLING"...kerana kalau kita asyik telling, nanti kita akan banyak bercakap daripada banyak bertanya.

So, ini CLOSING FLOW yang anda perlu faham. Then, untuk present pulak...ada flow lain.

Saya ada develop satu teknik untuk presentation yang mudah dah (pada saya berkesan la...orang lain saya tak sure). Teknik presentation saya adalah : 

" MASUKKAN AIR DALAM BOTOL"


botol kecil

Kenapa masukkan air dalam botol pulak?...Ok, mcm nie cerita dia. Sebelum tu saya nak tanya anda semua, berikan 3 cara masukkan air dalam botol yang tertutup dan tutup semula?...so, 3 cara mudah...

1. Bukak Penutup
2. Isi air
3. Tutup

So, 3 cara mudah. Kenapa macam tu?

1. BUKAK PENUTUP

Saya analogi kan prospect macam botol yang tertutup. Maksudnya minda dia macam botol yang tertutup. Sebelum kita nak bercerita pasal Takaful or pasal perancangan kewangan atau apa2 pun yang kita ingin sampaikan supaya dia faham...kita mesti bukak MINDA dia dulu. So, bayangkan, kalau kita tuang air ke dalam botol yang bertutup...boleh masuk tak air?..so, tak masuk dan tumpah. Penat je kita tuang, silap2 kena lap lagi sebab dah basah air tumpah. Kan tambah kerja lagi. 

So, pertama sekali, kena bukak minda mereka. Sebelum kita present. Kita kena tahu sama ada prospect kita nie +ve atau -ve dengan takaful atau insurance atau 50-50....maksud nya atas pagar.+ve pun tak -ve pun tak....So, kita kena convert mereka supaya jadi +ve dengan apa yang kita ingin sampaikan nie....

Step ini juga saya panggil "Pre-Conditioning"...sebab kita nak tune mind set prospect supaya sedar akan kepentingan ada perlindungan kewangan takaful...atau bahasa yang lebih mudah, dalam step nie, kita kena fahamkan...

"KENAPA ANDA PERLU ADA PERLINDUNGAN KEWANGAN TAKAFUL"...

"NANTI SAMBUNG...ada kerja nak kena settle..panjang lagi nie...tapi amat menyeronokkkan...tunggu ya..."



Yang ini kalau nak tau details, kena masuk training kami. Masuk sini untuk maklumat mengenai training.

Kenapa kena masuk training?..sebab yang ini kena role play, sebab perlu tahu dari segi gaya bahasa, intonasi suara, gesture tubuh badan, mata kita dan sebagainya. Kalau citer kat blog ni, macam mana nak tunjuk semua benda tu...:D


-> Kembali ke Module Part 2

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Chocobo racing rom for playstation 1 game

Chocobo racing rom for playstation 1 game


For playstation 1 emulatore
Download here
http://psx1.freeroms.com/psx_roms/ca/chocobo_racing.zip
Size: 230mb

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Reactions In Facebook Messenger Dislike Option To Be Added

Reactions In Facebook Messenger Dislike Option To Be Added


Facebook has introduced Reactions last year in February, which allowed users to �react� to post by choosing from the wide range of emotes. Now, the company is testing reaction feature to its Messenger app with added dislike reaction.
Read more �

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Club Penguin Island 1 0 1 Terbaru APK Untuk Android

Club Penguin Island 1 0 1 Terbaru APK Untuk Android


Club Penguin Island 1.0.1 Terbaru APK Untuk Android


 

Disney kini telah membuat dunia berbasis keanggotaan yang populer virtual untuk anak-anak, Club Penguin, tersedia di seluruh dunia untuk Android di Google Play Store setelah pertama mengumumkan permainan Baru. Aplikasi ini memungkinkan Anda bermain game, membuat karakter, dan menemukan koleksi dari ponsel Android dan tablet.

Ini adalah sebuah mimpi jadi nyata dan benar, setelah satu tahun menunggu, akhirnya kita bisa memutarnya pada perangkat Android kita. Sama seperti versi web, versi Android juga benar-benar baik dan halus untuk starter di mana Anda dapat bermain game untuk mendapatkan koin dan menghabiskan pada item baru untuk karakter dalam game. Aplikasi ini berjalan dengan baik, merasa besar, dan semua dalam satu paket. Plus, game ini pada dasarnya cocok untuk mereka yang merupakan fans CP. Jadi bagi mereka yang tidak benar-benar tahu CP, mencoba versi web pertama,sunguh sangat bagus.
Download Sekarang!!






Berikut adalah ikhtisar singkat dari fitur permainan:
Untuk semua orang
� BERGABUNG dengan pihak-yang baru dalam setiap bulan
� EXPLORE pulau
� MENERAPKAN merah & a PUFL hewan peliharaan baru
� MEET & CHAT dengan teman penguin lainya
� game PLAY untuk mendapatkan koin virtual

Untuk Anggota Hanya
� CAT & DOG
� ACCESS UNLIMITED untuk semua pihak terbaru & fitur
� SHOP dalam katalog baju baru & item
� MENERAPKAN semua warna yang ada dari puffles-termasuk
� KUMPULKAN harta langka yang puffles menemukan
� PERSONALIZE penguin dengan pakaian & item
� SESUAIKAN igloo dengan furnitur terbaru


Informasi Berkas Club Penguin Island :

File name: com.disney.clubpenguinremix_goo_v1.0.1-220441_Android-4.4.apk
Versi: 1.0.1 (220.441)
Upload: 12 Maret 2017 19:12 GMT + 00
Ukuran file: 27.80MB (29145389 bytes)
Minimum versi Android: Android 4.4+ (Kitkat, API 19)
MD5: 0594144efb9ec8431a5f1e30955fa202
SHA1: 082d39780b4965aa001d2e559f928723a1cc681d
Klik disini>>

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Dovid Ellis Applance repair in Jerusalem RBS areas

Dovid Ellis Applance repair in Jerusalem RBS areas


Fair, honest and above all knowledgeable about appliances. I was
impressed when they came to the door...on time and ready to get dirty.
Dovid Ellis advised me of the problems, the costs and the time involved.

I highly recommend Dovid and his company for any appliance repair.

****He advised me that most issues could be resolved by maintenance
especially the heating and a/c unit.

Dovid and his company Appliance Specialists can be reached at
052 348 5616

Shalom
rbsyahoogroup
December 2009

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Bukti Surat Cinta Untuk Starla Web Dl

Bukti Surat Cinta Untuk Starla Web Dl


Download Bukti : Surat Cinta Untuk Starla

Dihadapkan oleh keragu-raguan antara cintanya kepada Starla, dan pertemuannya dengan Opa Hans (Kakek Starla) yang membuka rahasia tentang almarhum kakeknya, Hema meninggalkan Starla untuk "kembali" ke masa lalu, dan mencari jawaban. Yogyakarta, bagi Hema, menyimpan satu-satunya jawaban. Lalu, apakah Hema menemukan apa yang dia cari dan bisa berdamai dengan hati kecilnya? Atau Hema harus menelan pil pahit kenyataan, dan membawa Starla pergi untuk selamanya?

Director : Patrick Effendy

Pemain : Caithlin Harderman,Jefri Nichol

Rillis : !5 Feb 2018


Link Download
Download [DiSini]

Cara Download
Klik tulisan di sini
Trus Nanti centang Saya bukan robot
Trus isi survey
Setelah isi survey klik visit link
Tunggu 5 detik trus klik get link

Kalo Mau Request Film Coment Saja


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The Storied Life of A J FikryFree

The Storied Life of A J FikryFree


Free download The Storied Life of A. J. Fikry Online. No only that, you also can read or download other free books on this blog, magazine and also comics. If you want this The Storied Life of A. J. Fikry book for free, Please follow instruction step by step until finish. Thank you...

Online review for The Storied Life of A. J. Fikry : This book is very useful, I have never been so frightened reading a book and yet so riveted that I couldnt stop reading. I loved this book. It grabbed me from the first page and I had trouble putting it down. Read it, you wont be disappointed.
The Storied Life of A. J. Fikry

===>> CLICK HERE TO READ BOOK ONLINE <<===

Please follow instruction step by step until finish to read The Storied Life of A. J. Fikry for free. Enjoy It !!


The Storied Life of A. J. Fikry Description

.
The irascible A. J. Fikry, owner of Island Books - the only bookstore on Alice Island - has already lost his wife. Now his most prized possession, a rare book, has been stolen from right under his nose in the most embarrassing of circumstances. The store itself, it seems, will be next to go. One night upon closing, he discovers a toddler in his childrens section with a note from her mother pinned to her Elmo doll: I want Maya to grow up in a place with books and among people who care about such


Are you looking for place to read full E-Books without downloading? Here you can read The Storied Life of A. J. Fikry. You can also read and download new and old full E-Books. Enjoy and relax Reading full The Storied Life of A. J. Fikry Books online.
First You Must Sign Up and then please follow instruction step by step until finish to get The Storied Life of A. J. Fikry for free. Enjoy It

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High Iron Simulations Horseshoe Curve Scenario Pack 01

High Iron Simulations Horseshoe Curve Scenario Pack 01


There has been a new release to the Steam Marketplace in the form of a scenario pack from High Iron Simulations. Set on the Horseshoe Curve route, the pack features ten high quality scenarios that feature highly authentic experiences based on actual PRR operations during the 1950s.

The following is taken from the product page:   

In American railroading, there are few names and places that evoke more history and drama than the great Pennsylvania Railroad and Horseshoe Curve. Now you can breathe in the atmosphere of the Pennsylvania Railroad in its glory days in Horseshoe Curve Scenario Pack 01!

Horseshoe Curve Scenario Pack 01 features ten challenging and realistic career scenarios that take you back to the 1950s and put you at the throttle of classic Pennsy first-generation diesel and steam power to challenge PRR�s famed crossing of the Allegheny Mountains!

In this pack, you�ll experience PRR freight, passenger, mail and express, local, and switching operations across the length of Train Simulator�s best-selling Horseshoe Curve route. You�ll go to work at Altoona, Johnstown, Cresson, Portage, and South Fork, and take the engineer�s seat in locomotives as diverse and unique as Pennsy�s Baldwin �Centipede� and �Sharknose� diesels, versatile EMD GP7s and F7s, and PRR�s renowned K4 4-6-2 steam locomotive!

Developed by noted scenario author Gary Dolzall for partner programme member High Iron Simulations, Horseshoe Curve Scenario Pack 01 features highly authentic experiences based on actual PRR operations during the 1950s.

Experience the glory days of the great Pennsylvania Railroad � in Horseshoe Curve Scenario Pack 01!

You can access the Steam store page for this product by clicking here.




 

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