Saturday, September 17, 2011

Samsung Galaxy S II Secret Codes

Please download the complete Secret Codes for Samsung Galaxy S II here : 

Mediafire :

filesonic :

Sunday, September 11, 2011

Inventions by Muslims that changed the World

Coffee,cheques and the crack-shaft are some of the Muslim innovations that we take for granted in daily life. Read some of innovations below : 

  1. Coffee - the first record of the drink is of beans exported from Ethopia to Yemen when Sufi Muslims brew the beans. They would drink coffee to stay awake all night to pray on special occations. 
  2. Chess - While a version of chess was played in ancient India, the game was developed into the form we know today, in Persia. From there, it spread westward to Europe where it was introduced by the Moors in Spain in the 10th Century.
  3. Soap - Washing and bathing are religious requirements for Muslims. It is no wonder the perfected the recipe of soap. 
  4. Pin-hole Camera - Tenth-Century Muslim mathematician Ibnu Al-Haitham invented the first pin-hole camera after noticing the way light came through a hole in window shutters. 
  5. Distillation - The means of separating liquids through differences in their boiling points was invented around the year 800 by alchemist Jabir Ibnu Hayyan.
  6. Crank-shaft - The device that is central too much of the machinery in the modern world, such as the internal combustion engine, was created by engineer Al-Jazari to raise water for irrigation. 
  7. The modern Cheque - This comes from Arabic saqq, a written vow to pay for goods when they were delivered, to avoid having to transport money across dangerous terrain. 
  8. Windwill - This was invented in 634 for a Persian caliph, and was used to grind maize and drawa up water for irrigation. 
  9. Fountain Pen - This writing instrument was invented for the sultan of Egypt in 953, after he demanded a pen which would not stain his hands or clothes. 
  10. Surgery - Many modern surgical instruments are of exactly the same design as those devised in the 10th century by a Muslim surgeon called al-Zahrawi. His scalpels, bone saws, forceps, fine scissors for eye surgery and many of the 200 instruments he devised are recognisable to a modern surgeon. It was he who discovered that catgut used for internal stitches dissolves away naturally (a discovery he made when his monkey ate his lute strings) and that it can be also used to make medicine capsules. In the 13th century, another Muslim medic named Ibn Nafis described the circulation of the blood, 300 years before William Harvey discovered it. Muslims doctors also invented anaesthetics of opium and alcohol mixes and developed hollow needles to suck cataracts from eyes in a technique still used today.
  11. Metal ArmorQuilting is a method of sewing or tying two layers of cloth with a layer of insulating material in between. It is not clear whether it was invented in the Muslim world or whether it was imported there from India or China. But it certainly came to the West via the Crusaders. They saw it used by Saracen warriors, who wore straw-filled quilted canvas shirts instead of armor. As well as a form of protection, it proved an effective guard against the chafing of the Crusaders' metal armor and was an effective form of insulation - so much so that it became a cottage industry back home in colder climates such as Britain and Holland.
  12. ShampooWashing and bathing are religious requirements for Muslims, which is perhaps why they perfected the recipe for soap which we still use today. The ancient Egyptians had soap of a kind, as did the Romans who used it more as a pomade. But it was the Arabs who combined vegetable oils with sodium hydroxide and aromatics such as thyme oil. One of the Crusaders' most striking characteristics, to Arab nostrils, was that they did not wash. Shampoo was introduced to England by a Muslim who opened Mahomed's Indian Vapour Baths on Brighton seafront in 1759 and was appointed Shampooing Surgeon to Kings George IV and William IV.
  13. Rocket and Turpedo - Though the Chinese invented saltpetre gunpowder, and used it in their fireworks, it was the Arabs who worked out that it could be purified using potassium nitrate for military use. Muslim incendiary devices terrified the Crusaders. By the 15th century they had invented both a rocket, which they called a "self-moving and combusting egg", and a torpedo - a self-propelled pear-shaped bomb with a spear at the front which impaled itself in enemy ships and then blew up.
  14. Parachute - A thousand years before the Wright brothers a Muslim poet, astronomer, musician and engineer named Abbas ibn Firnas made several attempts to construct a flying machine. In 852 he jumped from the minaret of the Grand Mosque in Cordoba using a loose cloak stiffened with wooden struts. He hoped to glide like a bird. He didn't. But the cloak slowed his fall, creating what is thought to be the first parachute, and leaving him with only minor injuries. In 875, aged 70, having perfected a machine of silk and eagles' feathers he tried again, jumping from a mountain. He flew to a significant height and stayed aloft for ten minutes but crashed on landing - concluding, correctly, that it was because he had not given his device a tail so it would stall on landing. Baghdad international airport and a crater on the Moon are named after him.
source : Islamic Finance, WHY IT MAKES SENSE. Daud Vicary Abdullah & Keon Chee, Marshall Cavindish, Singapore. 2010 & website.

Wednesday, March 09, 2011

What is Islamic Finance and How is it different from conventional finance ?

Islamic Finance is a form of finance that is based on Shariah, or the body of Islamic law. Shariah means "the path to the water source". Shariah is filled with MORAL purpose and lessons on the truth, and is hence more than just a set of legal rules. [1]

Shariah represents the idea that all human beings and governments are subject to justice under the law. Islamic law covers bigger scopes compared to conventional finance. Islamic finance has overarching requirement whereby every financial transactions must be shariah-compliant. To ensure that, five key prinsiples are strictly followed :

Belief in Divine Guidance - The universe was created by Allah and He created on earth to fulfil certain objectives through obeying His commands. These commands covers a substantial area of almost every aspect of life, including economic and financial transactions. Man needs such divine guidance because he does not have the power to reach the truth on his own. Not only is man imperfect, but also his 'reasons' are often confused with 'desires'.   

In conventional financial system, religion and government are kept separate and independent of each other. This is to uphold religious freedom and secularity in government (such that it is not influenced by any particular religion)

No Interest - You cannot earn interest on a loan or be required to pay interest on a loan. 

In conventional financing, this is like borrowing money from the bank and not having to pay a cent of interest. Islamic banks of course do not loan you money for free. If you were to obtain an Islamic loan for a project, instead of being charged interest for the loan, you could be paying fees or sharing a portion of your profits from the project with the bank

No Haram Investments - Money is to be invested in worthly causes, while companies that manufacture haram products like alcohol, tobacco, arms or pornography are avoided. 

This is similar in some ways to the conventional concept of socially responsible investing (SRI), which seeks to maximise both financial return and social good. Some practitioners of SRI abstrain from businesses similar to those that Islamic ventures would avoid

Risk sharing is encouraged - The idea of risk sharing is conscientiously promoted and regularly practised between business partners, such as between a customer and a financial institutions. For Islamic institutions, risk sharing is favoured in business dealings with its customers. This fosters the equitable distribution of risk, profits and losses. It also covers not only the creditworthiness of the customer risk sharing, but also the financial viability of the project. 

Risk sharing is meant to promote mutual trust and fairness in dealings among business partners, institutions and consumers. 

Financing is based in REAL assets - Financing extended through Islamic products can only expand in step with the rise of the real economy, thereby helping to curb excessive speculation and credit expansion. 

Conventional financing system typically based on the promise to pay where real assets are not tied to the transaction. This means that conventional financing activity can grow several steps ahead of the real economy, thereby causing speculation and UNJUSTIFIABLE asset price inflation

Islamic Finance is for all (muslim and non-muslim)

ref : 

Islamic Finance, Why It Makes Sense, Daud Vicary Abdullah and Keon Chee, Marshall Cavendish Business. 2010. printed in Singapore. 

To buy this book, please contact me. Recommended Price is RM69.90.   

Tuesday, March 08, 2011

Health or Healing ?

People think of their health in one of two ways. They will either invest their thoughts and money into creating great health OR they will spend money to heal their body when they are sick.

Whatever your attitude, the simple fact is that you cannot enjoy life if you are sick, so it it wise to learn about anything that will help you achieve better health, or heal faster when you are sick. Most People can remember the last time they were sick, but can YOU remember the last time you felt really well ?

The world is full of advise on how you can become or stay healthy. The basics or exercise, sound diet and reduced stress are obvious, yet most people have stressed lives, poor diets, live in polluted environments, take medication which has side effects and most importantly, their bodies are under constant attack from pathogens which cause illnesses.

 Spend money to create great health OR spend money to heal your body when you are sick ? you decide!

Tuesday, January 04, 2011

Do you have any unclaimed money ?

Starting end of 2010 onwards, you can perform an online search to see if you have any money with the Registrar of Unclaimed Moneys. The Unclaimed Moneys Act 1965 requires businesses to send to the goverment a report on any unclaimed money. It can be in a form of dormant bank account monies, life insurance policies, share dividends, unclaimed wages/salary and EPF contributions. allows free searches. All you need to do is key in your indentification number or full name. Based on record at Registrar of Unclaimed Moneys, approximately RM 1.5 billion of unclaimed money accumulated over the years, and millions ringgit added every years. the data in covers records from 1998 onwards. New documents will be added from time to time once goverment releases new lists.

With this online information, you will save a lot of time and effort to claim your money. This system is free for individuals and fee will be charged for premium services to companies and professionals as well as INDIVIDUALS who seek their help to apply to the registrar to claim the money( go directly to registrar office in you dont want to pay..:p).

You can download the information pack from this website. If your money is less than RM500, you can download if for free. otherwise, 10 % of the value will be charged. this information pack includes a checklist and also a format of your application letter to the registrar.

what are you waiting for? click and check now!