Ritek Health Board

Marlboros to make Bangladesh debut

DHAKA: The world's leading tobacco manufacturer Philip Morris has tied up with a Bangladeshi firm to sell Marlboro cigarettes in the local market, company officials said on Sunday.

The Marlboros will be manufactured and distributed by the Dhaka Tobacco Company, the company's chief executive officer Sheikh Bashir Uddin told reporters.

"This agreement will benefit both companies," Matteo Pelligrini, president of Philip Morris International, Asia, said in a statement.

Marlboro's entry into the Bangladesh market is likely to challenge the grip of British American Tobacco on high-priced brands, though Uddin declined to give a specific price per packet.

Dhaka Tobacco, the largest tobacco company in Bangladesh, produced 20 billion cigarettes in 2006 for an estimated market share of about 40 percent.

But the company, with annual sales of around 300 million dollars, dominates here only in terms of the low- and medium-priced brands.

Bangladesh is one of the most profitable tobacco markets in the world, with annual sales of around one billion dollars.

More than 40 percent of Bangladeshi men smoke, according to industry figures.

Philip Morris controlled 15.4 percent of the global cigarette market in 2006. T

he US giant's brands led by Marlboro and L&M are sold in more than 160 countries.

India blames 'terrorists' as blasts kill 40

Indian security forces launched a manhunt on Sunday for those behind twin bombings in the southern city of Hyderabad that killed 40 people, with officials pinning the blame on Islamic militants.

HYDERABAD, India: Indian security forces launched a manhunt on Sunday for those behind twin bombings in the southern city of Hyderabad that killed 40 people, with officials pinning the blame on Islamic militants.

Police have reportedly found seven more unexploded bombs in the city.

More than 50 others were injured in the blasts late Saturday, which ripped through a packed street restaurant in this mixed Hindu-Muslim city and an amusement park auditorium where hundreds were watching a sound and light show.

Federal authorities deployed paramilitary forces to the city, the capital of Andhra Pradesh state, to ensure that ethnic tensions did not flare up following the near-simultaneous attacks, for which no one has yet claimed responsibility.

"The death toll is 40 in yesterday's two bomb blasts.... The victims are from all sections of society -- they included Hindus and Muslims," the chief minister of Andhra Pradesh state, Y.S. Rajshekhar Reddy, told reporters.

More than a dozen of the wounded were in serious condition.

"One terrorist group or the other, which is bent on destroying the unity of the country, is certainly involved," said Sriprakash Jaiswal, India's minister of state for home. Reddy said "available information" pointed to the involvement of terrorist organisations based in neighbouring Pakistan and Bangladesh.

He condemned the blasts as the "cruellest acts against humanity" and appealed for calm in the city, where about 40 percent of the 6.5 million people are Muslim.

"We have launched a manhunt for those who committed this dastardly crime," Hyderabad police chief Balwinder Singh said Sunday. Security was beefed up here on Sunday, as some 10,000 Hindu weddings were planned on what is seen as an auspicious day, police said.

Police had located another bomb in a cinema on Saturday and defused it before it exploded.

Forensic experts were also dispatched to aid local efforts to trace the culprits. Federal Home Minister Shivraj Patil was due to visit Hyderabad later Sunday. On Saturday, rescue workers carried out bodies burnt beyond recognition at the popular eatery.

At the auditorium, severed arms and legs lay scattered around.

"I saw limbs flying around me and blood splattering," 29-year-old Romanna, who goes by one name, told AFP as she waited for help for a chest wound outside the amusement park.

There was chaos at the city's main Osmania hospital as wailing relatives thronged the hallways, searching for their missing loved ones. After an emergency cabinet meeting, Reddy announced compensation of 500,000 rupees (12,200 dollars) for families of those killed.

The explosions came three months after 11 people were killed in a bombing at the city's famed 17th-century Mecca Mosque. Police have still not named any single group as suspects in that attack.

India has suffered a series of recent blasts that authorities have blamed on Islamic militants seeking to upset a peace process between India and Pakistan and stir Hindu-Muslim violence.

"We're seeing a pattern of attacks every two to three months somewhere or other in the country on soft targets," said Ajai Sahni, head of the New Delhi-based Institute for Conflict Management.

In the deadliest, seven blasts on the rail network in the country's financial hub Mumbai killed 186 people in July 2006.

Indian authorities say they believe Pakistan-based guerrilla groups fighting its rule in Indian Kashmir are using Indian Muslim militants to stage attacks.

The attacks "appear to be linked to what we call Pakistan-backed Islamic terrorist groups," said analyst Sahni.

Pakistan, which has fought two wars over Kashmir with India, routinely denies any involvement in attacks on Indian soil.

F1: Massa leads Ferrari one-two in Turkish Grand Prix win

5大步驟學理財

1. 定期發放零用錢：一開始時，父母可以每“周”發放零用錢，待孩子習慣後，慢慢拖長到每“月”發放。

2. 培養儲蓄觀念：財富是靠累積得來，儲蓄可說是理財基本，父母們不妨從買給孩子錢罌開始，鼓勵他們存錢。

3. 開設銀行戶口：父母帶子女去銀行開立單獨帳戶，讓孩子存錢入銀行好消息，鼓勵孩子多儲蓄。

4. 培養孩子記帳習慣：當兒童有一定的數學基礎後，家長便應該慢慢培養起子女記帳的習慣，有助他們控制開支，父母也可藉此監察孩子的消費傾向，若發現有偏差時，可及時糾正。

5. 建立理財目標：父母希望孩子的理財目標，無非是希望子女能理性消費，盡早學會儲蓄，以錢搵錢。

猶太人教育兒童理財觀的傳統

猶太人教育兒童理財觀的傳統

3歲：開始教馬孩子辨認硬幣和紙幣。

5歲：讓孩子知道金錢的用途，並告訴孩子錢是怎麼賺來的。

7歲：教孩子比較商品的價格，教孩子學會趁減價才買，做個精明消費者。

8歲：教他們可以透過打工來賺取金錢，並且把錢存在銀行獲取利息。

11歲：教孩子看弟電視廣告的假象，並且要定下兩週以上的開支計劃，並且切實執行。

哪些副業最熱門？

一、直銷－講求人脈網絡的直銷行業，是許多熱血青年所選擇的賺外快方式，而直銷吸引人的地方除了可從中賺取傭金外，如果成功“開枝散葉”，更可從下線的業績中分一杯羹，把人脈效用發揮至淋漓盡致。直銷業齊全的激勵和訓練系統，也讓許多原為副業者，捨棄正業，全情投入。

增值指數：3星

轉成正職指數：4星

二、接案－憑著本身的專業和興趣，許多專業上班族選擇在下班時間接案子，從中賺取優渥的外快。其中最普遍的行業，包括網站設計、翻譯、文稿撰寫，甚至是主持節目等。接案的經驗也可以累積，增添個人履歷表的豐富性。如果累積足夠的名氣，更有可能有朝一日，自立門戶，當起老闆！

增值指數：5星

轉成正職指數：4星

三、保險－相較於美國人每人2至3份保險，大馬的保險業成長空間龐大，這也吸引許多人投入保險行業。保險經紀員通過發售保單，賺取傭金外，更可在保險公司提供的訓練課程和考核程序中，不斷提昇自己的專業知識。這也使得許多兼職保險從業員，最終放棄正職，全職投入保險業。

增值指數：4星

轉成正職指數：4星

四、小買賣－正業收入未能滿足生活開銷，使得上班族開始動腦筋，如何通過小買賣，賺取外快。最常見的莫過於，從低價生產國購入產品，轉向本地售賣，賺取之間的差額。更有人在特定佳節，販賣節慶產品，大賺佳節財。由於是自家生意，創業人一般魄力十足，一旦小買賣成效開始出現，很快就捨棄正業，全身投入。

增值指數：3星

轉成正職指數：4星

五、網路拍賣－成本和門檻皆低的網路拍賣為網路世代最熱衷的創業方式。憑著已成型的網路拍賣平台和簡易付款方式，使得網路商機以前所未有的速度膨脹。然而由於競爭是來自全球的，因此網拍的勝出關鍵除了服務外，更講求產品的獨特性。

增值指數：2星

轉成正職指數：4星

六、教補習－除了女人的錢，這世界上最好賺的錢非小孩莫屬，尤其這個“少子”的年代，每個小孩就猶如掌上明珠，家長自己再窮，都要讓孩子受最好的教育，以讓他們能勝在起跑點！因此補習行業是現今成長最快速的行業之一，單看一間接著一間開幕的補習中心就可一瞧趨勢。有些上班族，尤其教師，在空閒時間也經營小型補習班，從中補貼微薄的薪資。

增值指數：2星

轉成正職指數：2星

七、計時兼職－這是典型的“苦力”兼職方式，這些人利用業餘時間打工，利用時間換取金錢，因此對於未來履歷並未有明顯的增值效果。

增值指數：1星

轉成正職指數：1星

儘管副業已是許多上班族公開的秘密，然而上班族從事副業的當兒，不應該忽略經營主業，以避免到頭來兩頭不到岸。而在考慮從事任何副業時，不應該忽略有關副業的增值效果，它對你未來的人生規劃是否有助益？或純粹是為了賺入更多金錢？

白領階級

白領儲蓄習慣
有：74.3%
無：25.7%

日常花費
吃喝玩樂：47.1%
買奢侈品：11.1%
繳付貸款：63.3%
進行投資：28.3%
家庭開銷：68.9%

繳付貸款
車貸：46.6%
房貸：39.7%
信用卡債務：45%
教育貸款：21.9%
無：14.6%

兼職行業
直銷：17%
保險：3.7%
快餐：3.2%
接案：16%

兼職收入
RM500或以下：63.7%
RM501-RM1000：29.3%
RM1001-RM2000：5.1%
RM2001以上：0.6%
沒回答：1.3%

兼職天數
1-2天：59.2%
3-4天：34.4%
5或以上：6.4%

兼職原因
增加財富：42.3%
還債：6%
入不敷出：23.8%
提升工作經驗：8.9%
尋找轉職或創業機會：19%

理財6項重要元素

（一）投資：先具備投資知識、瞭解本身的投資風險承受水平、投資款項及投資期限。

（二）稅務：瞭解政府的稅務政策及所提供的稅務優惠，然後規劃如何從中減低稅務，以減少額外負擔。

（三）教育：為孩子的教育進行規劃，當中包括考量受教育地點及所需費用，然後策劃如何進行投資或儲蓄來取得相關數額。

（四）遺產規劃：制定遺產分配，以避免未來的不必要的糾紛，同時為家人留一條後路。

（五）退休規劃：規劃退休生活、所需開銷及如何善用退休金，以防在退休時面對財務問題。

（六）財務分析：瞭解本身的財務狀況、負債項目及資產，同時改進或避免不必要的開銷，策劃如何花費及增加財富。

美股大跌襲擊•亞股紛下挫 馬股閉市跌44.52點

（吉隆坡訊）受美股大跌風暴襲擊，亞洲區域股市紛紛下跌，馬股今日（週一，6日）亦難幸免，失守1300點，閉市時掛1290.90點，勁跌44.52點。

第二板指數報108.29點，跌5.11點；大馬富時全股項指數跌297.91點，至8760.81點。

場內跌價股1015隻，上升股60隻，80隻股平盤；成交量達13億零100萬股，總值22億5100萬令吉。

Bridge debris recovery begins in Minn.

At 560 kg, Mexican man weighs into record books

Manuel Uribe, tipping the scales at 560 kilograms (1,234 pounds) and seen here at his home in 2006, will be listed as the world's fattest man by the Guinness Book of Records, while a loss of 200 kilos (440 pounds) may make him the man who lost the most weight

Ballack committed to Chelsea

Tevez saga draws to a close

Knowing wink: Rooney and Tevez set to be team-mates

NBA: Celtics Big 3