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society and then easily spread from human to human (Sapian, et al., 2010).

In late April 2009,

a major outbreak originated in Mexico causing a huge number of deaths which surprised the

world (Christopher, 2009). On April 24, 2009, the World Health Organization, WHO

declared Pandemic Alert Phase 4 Swine Influenza A (H1N1) which afterward indicate as

Influenza A (H1N1) as a result of existing diverse genes presence such as the North

American’s avian, swine and human and also the Eurasian swine. Then, on June 11, 2009, it

climbed to Phase 6. As of October 11, there were a total of 199 countries affected with a

confirmed case by the 399,232 laboratory resulting in 4,735 deaths (Sapian, et al., 2010).

Clinically, the 2009 H1N1 pandemic infection is similar to seasonal influenza. Most patients

suffer from fever, sore throat, difficulty in breathing, cough, headache and muscle aches, and

some suffer from vomiting and diarrhea. Mild in most cases. Deaths are rare, mainly due to

severe pneumonia. About half of the people were previously healthy. The rest suffer from

underlying diseases such as lung and cardiovascular disease, pregnancy, diabetes, obesity and

immunosuppression (Abu Bakar & Sam, 2009).

On the 15th May 2009, Malaysia discovered it first case when a student from the United

States came back to Malaysia. Since then, multiple clusters have appeared in schools, all of

which have been accompanied by a resurgence of infection cases from abroad. As of July 14,

2009, the Ministry of Health had confirmed 804 cases, of which 69% were imported cases

and 31% were involved in local infection. The number of cases involving local transmissions

is expected to continue to grow significantly. By the beginning of July, it became clear that

local transmission had been established within the country and that they had taken a step

toward mitigation (Christopher, 2009).


Wealth Management is a broad topic. (Opolski & Potocki, 2011) stated that in the process of

wealth management, time may be the most important variable in planning strategic

investment. With a clearly defined time frame, wealth management consultants can determine

investment choice strategies and customer-determined rates of return. Goal definition, their

priorities and timetable are an integral part of the wealth management process. In fact, this is

the basis for success in the future. According to the Malaysian Financial Planning Council

MFPC (2004), a typical method of personal financial planning is to effectively use savings to

accumulate wealth, and then devalue the value and such wealth to prevent loss. This includes

careful preservation of the individual’s current status and such plans, the individual’s current

activity status and the individual’s credit and cash management, tax planning, and eventual

wealth distribution at a later stage. It reflects how to gradually develop and build the ability to

manage financial needs related to insurance and risk management, investment, and retirement

and real estate planning. Individuals must participate in a comprehensive and thorough

financial plan by self-managing or appointing qualified personnel of the financial plan

holding company (Tan, Hoe, & Hung, 2011). People are effectively investing their assets and

personal income to ensure financial security not only during work but also after retirement.

The gradual increase in the elderly population and the extension of life expectancy indicate

the need and importance of a carefully planned personal financial plan (Lai & Tan, 2009).

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