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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
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
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
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).