Thursday, November 06, 2008

KWSP: Pengurangan 3% secara automatik mulai Januari 2009



Pengurangan caruman bulanan pekerja dalam Kumpulan Wang Simpanan Pekerja (KWSP) daripada 11 kepada lapan peratus akan dilaksanakan secara automatik mulai gaji Januari 2009 sehingga Disember 2010.

Bagaimanapun ahli yang ingin mengekalkan caruman pada kadar 11 peratus boleh berbuat demikian dengan mengisi borang KWSP 17A (AHL) dan dikemukakan kepada majikan masing-masing untuk diserahkan kepada KWSP.

Menurut Pengurus Kanan Perhubungan Awam KWSP, Nik Affendi Jaafar, KWSP akan mengeluarkan jadual caruman bulanan yang baru. Jadual dan borang tersebut boleh didapati di pejabat-pejabat cawangan KWSP atau memuat turun daripada laman web myEPF di www.kwsp.gov.my mulai 1 Disember ini.


BERTINDAK SEGERA!!! :)

Wednesday, November 05, 2008

80/20 rule



Interesting quote from the movie 'Why did I get married?'
In most cases, especially in relationships, you will only get 80% of what you NEED and you will hardly get the other 20% that you WANT in your relationship. There is always another person (man or women) that you will meet and that will offer you the other 20% which is lacking in your relationship that you WANT
And believe me, 20% looks really good when you are not getting it at all in your current relationship.
But the problem is that you will always be tempted to leave that good 80% that you know you have, thinking that you will get something better with the other 20% that you WANT
But as reality has proven, in most cases, you will always end up with having the 20% that you WANT and loosing the 80% that you really NEED and that you already had.
Be careful in deciding between what you WANT and NEED in your life.


Adultery happens when you start looking for what you don't have. 'Wow, this girl in my office is a real looker. But it's not her Wynona Rider features that got me. I'm crazy about her because she's also understanding, intelligent, tender - so many things that my spouse is not'

Somewhere along the way, you'll find a woman or a man who will be more charming or sensitive. More alluring. More thoughtful. Richer. Have greater sex appeal. And you will find a woman or man who will need you and pursue you and go loco over you more than your spouse ever did.

Because no wife or husband is perfect. Because a spouse will only have 80% of what you're looking for. So adultery takes place when a husband or wife looks for the missing 20%. Let's say your wife is melancholic by nature .

You may find yourself drawn to the pretty clerk who has a cherry laugh no matter what she says: 'I broke my arm yesterday, Hahahaha . . ..'

Or because your wife is a homebody in slippers and pajamas, smelling of garlic and fish oil, you may fall for a fresh-smelling young sales representative that visits your office in a sharp black blazer, high heels, and a red pencil-cut skirt Or because your husband is the quiet
type, your heart may skip a beat when you meet an old college flame who has the makings of a talk show host.

But wait! That's only 20% of what you don't have.

Don't throw away the 80% that you already have!

That's not all. Add to your spouse's 80% the 100% that represents all the years that you have been with each other. The storms you have weathered together. The unforgettable moments of sadness and joy as a couple. The many adjustments you have made to love the other. The wealth of memories that you've accumulated as lovers.

Adultery happens when you start looking for what you don't have.

But faithfulness happens when you start thanking God for what you already have.

But I'm not just talking about marriage.

I'm talking about life!

About your jobs.
About your friends.
About your children.
About your lifestyles.

Are you like the economy airline passenger that perennially peeks through the door of the first class cabin, obsessed with what he's missing? 'They have got more leg room! Oh my, their food is served in porcelain! Wow, their seats recline at an 80% angle and they've got personal videos!'

I guarantee you'll be miserable for the entire trip! Don't live your life like that. Forget about what the world says is first class. Do you know that there are many first class passengers who are miserable in first class -- because they are not riding in a private Lear Jet?

Hati-hati dengan PC di tempat awam..

HATI2 KALAU MEMAKAI PC DI TEMPAT UMUM (SEPERTI INTERNET CAFE, DLL...)
CEK BELAKANG PC DAN LIHAT APAKAH ALAT INI ADA DI BELAKANG PC, BILA ADA, JGN PAKAI PC ITU!!!!




Alat ini dicucuk di hujung cable keyboard yg terhubung ke PC, ini digunakan untuk menyimpan semua data yg telah diketik oleh keyboard itu...
Kebanyakan ini dipakai di Internet kafe, pameran, hotel Dan lapangan terbang. Maka berhati2lah terutama anda yg menggunakan Internet di tempat seperti itu untuk mengakses account bank online atau site penting lainnya.
Setelah anda masuk ke account bank, Dan setelah selesai, meninggalkan PC, itu akan dgn mudahnya untuk membuka account itu kembali dgn apa yg sebelumnya anda ketik, yg telah tersimpan di dlm Black Device.
Jadi, sebaiknya anda periksa dahulu PC jika Ada sesuatu yg mencurigakan di belakangnya sebelum menggunakan Internet di tempat umum untuk mengakses site penting

Semoga informasi ini berguna untuk anda semua.. Dan mencegah terjadinya hal2 yg tdk diinginkan

Sunday, November 02, 2008

Card Protection Plus - Protect anything in your wallet/purse




CPP's Card Protection is comprehensive card protection Membership for use in the event of card loss, theft and related fraud. The unique feature of Card Protection is the provision of a complete service solution and assistance.

If you lose your wallet or have your handbag stolen, all of your cards will be cancelled immediately. Just make one free call to CPP's hotline - from anywhere in the world and the risk of card fraud is virtually eliminated.

Your calls are answered by multi-lingual (Cantonese, English, Malay and Mandarin) customer service agents so you can use the language you prefer when you are in a stressful situation.

Card Protection Premier is more than just a card cancellation service, take a look at all the other benefits you are entitled to:


Key BenefitsCard Protection Premier Assistance Benefits
24 hour loss reporting covering ALL your cards Free

Worldwide coverage Yes
Fraud protection (before notifying CPP) RM4,400 (max RM440 per card - max up to 10 cards)
Fraud protection (after notifying CPP) RM300,000
Financial Assistance
Reimbursement for: Communication costs
Valuable documents like passport, identity card and driving license
Financial cards(card replacement fee up to RM50 per card)
Stored value card(e.g. Touch 'n Go, max up to RM40)
Up to RM1,000 per year
Travel Assistance
Emergency cash (advance) Up to RM2,200 per Member #
Emergency hotel bill payment (advance) Up to RM6,000 per Member #
Emergency travel ticket replacement (advance) Up to RM10,000 per Member #
Additional Services
Registration of valuable document and cards like passport numbers, credit card numbers, Membership cards, etc. Unlimited
Reminder stickers and key cards
with CPP lost / stolen hotline One set per Member


# Applicable when abroad. To receive the benefits, you must report your card loss to Card Protection Plan Limited within 24 hours of discovery.

Annual Membership FeeCoverage Cost
Individual Membership RM98

Household Membership RM118
(Protection for you and up to 4 other persons living at the same address[permanent address OR mailing address])
most of the banks in Malaysia offer this service to their customer OR you may contact cppasia directly. visit www.cppasia.com for details.

Wednesday, October 29, 2008

New Blog Interface

i have changed my blog graphical interface, but i still need more time to edit the page layout and postings. i'm sorry if you cannot read some of my previous postings. work is in progress to improve that..

Thanks.

Tuesday, October 28, 2008

Kisah Doktor Muda, Mona Dan Lelaki

Samingan, seorang doktor muda, baru saja berhenti dari jadi doktor kerajaan di daerah terpencil di Negeri Sembilan. Dia baru buka klinik swasta. Senangnya hati Samingan menjalani hari pertamanya sebagai doktor swasta.

Pembantunya yang cantik, Mona, memberitahu bahawa ada seorang lelaki ingin menemuinya.

"Wah, seronoknya aku dapat pesakit pertama..." hatinya menjerit, macam KL menjerit.

Samingan pun meminta pembantunya mempersilakan laki-laki itu masuk. Samingan pun pura-pura sibuk. Dia mengangkat telefon dan pura-pura sedang online.

"Ya, ya, betul tu Datuk. Kosnya RM150 ribu. Ok, Ok, saya tunggu Datuk pukul 4 petang nanti. Jangan lupa tau Datuk, maklumlah sebagai doktor, saya ini memang amat sibuk, jarang ada masa terluang.." kata Samingan selamba, dia pura-pura buat temu janji dengan 'pesakitnya' seorang Datuk, melalui telefon.

Dengan megah dia meletakkan gagang telefon lalu menatap wajah lelaki yang duduk di hadapannya.

"Maaf kerana saya menyebabkan encik lama menunggu. Encik sakit apa?" tanya Samingan dengan gaya seorang doktor.

"Oh... Saya takde sakit, doktor.." kata lelaki itu.

"Saya pekerja dari Telekom, nak pasang line telefon di klinik doktor.."

------

MORAL: Buatlah kerja dengan ikhlas dan jangan berlagak nak menipu oranglain untuk tujuan kepentingan peribadi.;p

Friday, October 24, 2008

Pisang turunkan berat



Satu cara diet baru yang dikatakan dapat menurunkan berat badan dengan pantas dan tidak mendatangkan tekanan kini melanda Jepun dinamakan 'Diet Pisang Waktu Pagi', lapor akhbar Sydney Morning Herald.


Kaedah itu berkemungkinan cara pemakanan paling mudah diikuti di dunia. Malah, populariti diet itu menyebabkan masalah kekurangan pisang paling teruk teruk dihadapi di negara Matahari Terbit.

Akibatnya, harga pisang meningkat, namun permintaan untuk buah itu tidak menunjukkan tanda menurun dan lebih 600,000 salinan buku mengenai diet berkenaan terjual.


Kegilaan itu mencapai tahap baru bulan lalu apabila Sistem Penyiaran Tokyo menyiarkan program televisyen menunjukkan bekas penyanyi opera Jepun yang gemuk, Kumiko Mori, kehilangan tujuh kilogram berat badan selepas ikut diet itu.

Diet itu diasaskan ahli farmasi Osaka yang begitu berminat dengan perubatan herba China.

Sumiko Watanabe mulanya memikirkan diet untuk suaminya, Hitoshi.


Selepas enam bulan, Hitoshi makin langsing dengan berat 59 kilogram daripada 72 kilogram.

Tuesday, October 21, 2008

DUA VERSI BERITA (PAS & BN)..lu fikirlah sendiri..


VERSION PAS (KERAJAAN NEGERI KELANTAN)

Sultan tegur kerajaan pusat lambatkan projek pembangunan di Kelantan


KOTA BHARU, 20 Okt (Hrkh) - Sultan Kelantan, Tuanku Ismail Petra Ibni Almarhum Sultan Yahya Petra melahirkan rasa tidak puas hati terhadap beberapa projek kerajaan Persekutuan yang belum dilaksanakan di Kelantan.
Iklan




Antaranya pembinaan Jambatan Sultan Yahya Petra Kedua yang mana sehingga hanya mencapai kemajuan 10 peratus, biar pun perletakan batu asas sudah lebih setahun berlalu.

Oleh itu baginda mahu kerajaan pusat mempergiatkan semua projek pembangunan dalam rancangan Malaysia Ke-9 memandangkan pelaksanaannya begitu perlahan.

"Bahkan ada di antaranya masih belum dimulakan pembinaannya," titah baginda ketika merasmikan majlis Pembukaan Rasmi Persidangan Kali Yang Ketiga (Belanjawan) Bagi Tempoh Penggal Yang Pertama Dewan Undangan Negeri Kelantan yang Ke-12 di sini, hari ini.Image

Turut berangkat pada majlis perasmian itu Raja Perempuan Kelantan, Tengku Anis Tengku Abdul Hamid.

Sebelum ini ketibaan baginda disambut Speaker Dewan Undangan Negeri, Ustaz Nasurudin Daud, Timbalan Menteri Besar, Dato' Ahmad Yakub, anggota-anggota Exco dan pegawai kanan kerajaan negeri.

Baginda juga memeriksaan perbarisan anggota pasukan Gerak Am dari Batalion ke-8, Pengkalan Chepa.

Titah baginda projek-projek lain yang dalam pelaksanaan seperti pembinaan kampus utama Universiti Malaysia Kelantan (UMK) di Bachok dan Jeli juga perlu diambil perhatian.

"Oleh yang demikian beta menyeru agensi yang terlibat memantau pelaksanaan projek yang dirancang supaya berjalan mengikut jadual.

"Beta juga mendapat maklum Kelantan adalah di antara negeri yang disenaraikan dengan projek hub halal dalam RMK-9 yang melibatkan peruntukan sebanyak RM17 juta, bagaimanapun ia juga belum dilaksanakan," titah baginda.

Sehubungan itu baginda menyarankan kerajaan negeri memberi penekanan ke atas pelaksanaan hub halal bagi mewujudkan pusat pengumpulan, pengeluaran dan pemasaran makanan halal di negeri ini.

ImageBaginda turut menyarankan kerajaan Persekutuan supaya mempercepatkan pembinaan fasa ketiga Lebuh Raya Pantai Timur dari Terengganu ke Tumpat, laluan kedua Kota Bharu � Kuala Krai dan pelebaran jalan Gua Musang � Kuala Lipis.

Menurutnya pembangunan tersebut begitu penting bagi memastikan segala program yang dirancang di bawah Wilayah Pembangunan Ekonomi Pantai Tumur (ECER) berjalan lancar dan mencapai matlamatnya.

Tambahnya dalam pelan induk ECER, kerajaan pusat telah merancang untuk melaksanakan sebanyak 53 projek utama di Kelantan.

Bagaimanapun baginda mempertikaikan mengapa pelabuhan tidak disenaraikan sebagai salah satu projek infrustruktur di bawah ECER walaupun kerajaan negeri telah meluluskan tiga projek pelabuhan.

"Beta berharap kerajaan pusat boleh memberi kerjasama dan bantuan sepenuhnya bagi menjayakan projek ini kerana ia boleh memberi impak yang besar kepada pembangunan ekonomi Kelantan pada masa akan datang," titah baginda. - mj _


VERSION BERITA HARIAN (KERAJAAN PUSAT)

Sultan murka kerajaan Pas gagal tadbir Kelantan


SULTAN Kelantan, DYMM Tuanku Ismail Petra Sultan Yahya Petra bertitah merasmikan Persidangan kali ke 3 (Belanjawan) bagi tempoh penggal pertama Dewan Negeri Kelantan, Kota Bharu, yang ke 12 tahun 2008 di Dewan Undangan Negeri Kelantan, Kota Darulnaim, Kota Bharu semalam. - Foto Zaman Huri Isa

KOTA BHARU: Tuanku Ismail Petra semalam menegur kerajaan Pas Kelantan kerana masih gagal mengurus dan membangunkan negeri ini dengan cekap, termasuk dalam pengurusan hasil serta kewangan.

Sultan Kelantan turut mengingatkan kerajaan negeri supaya memartabatkan institusi masjid dan tidak menggunakannya untuk kepentingan pihak tertentu.

"Beta ingin menarik perhatian kepada pengisytiharan Majlis Perbandaran Kota Bharu (MPKB) sebagai bandar raya Islam sejak 2006. Perancangan dari aspek kebersihan dan keselamatan perlu dinilai semula kerana beta melihat beberapa elemen belum mencapai matlamat.

"Beta berharap MPKB memberi fokus kepada elemen terbabit bagi menjamin pencapaian matlamat itu," titah baginda ketika menyempurnakan Persidangan Kali Ketiga (Belanjawan) Dewan Negeri Kelantan di Kota Darulnaim di sini. Hadir sama, Raja Perempuan Kelantan, Tengku Anis Tengku Abdul Hamid.

Tuanku Ismail Petra bertitah, pertumbuhan sektor pelancongan negeri juga masih bergantung kepada segmen domestik yang menyumbang 80 peratus kemasukan pelancong ke Kelantan.

"Beta menyarankan peranan Pusat Penerangan Pelancongan Negeri dinilai semula sesuai dengan kepentingan sektor ini dalam menyumbang kepada ekonomi negeri. Sudah sampai masa, entiti baru yang lebih berkesan ditubuhkan supaya dapat bersaing dengan lebih kompetitif," titah baginda.


Bagi mengimbangi tanggungjawab pembangunan negeri pula, baginda menyarankan Enakmen Perbadanan Menteri Besar Kelantan serta Perbadanan Kemajuan Iktisad Negeri Kelantan dikaji semula supaya tidak wujud pertindihan dan persaingan.

Baginda turut menyentuh Laporan Ketua Audit Negara mengenai kedudukan kewangan Kelantan yang tidak kukuh apabila mengalami defisit akaun hasil disatukan pada akhir 2007 sebanyak RM326.34 juta berbanding RM155.86 juta pada akhir 2003.

"Kerajaan negeri hendaklah mengelak membuat keputusan yang boleh mengurangkan kemasukan hasil. Agensi dan perbadanan kerajaan negeri tidak harus diberi keistimewaan lagi, manakala syarikat swasta yang gagal membuat pembayaran perlu diambil tindakan tegas.

"Kerajaan negeri tidak boleh terus bergantung kepada sumber hasil sedia ada. Usaha perlu digembleng untuk meneroka punca hasil baru dalam setiap sektor untuk membiayai kos pengurusan dan pembangunan yang semakin meningkat," tegas baginda.

Tengku Ismail Petra juga menegur mengenai masalah tanah terbiar di seluruh Kelantan yang ketika ini mencapai keluasan 21,458 hektar dan 910 hektar saja yang dibangunkan.

"Beta berharap, kerajaan negeri mengambil peluang daripada peruntukan Kerajaan Persekutuan sebanyak RM2.5 bilion untuk memulihkan tanah terbiar bagi menjamin bekalan makanan negeri khususnya dan negara amnya," titah baginda.

Selain itu, Sultan Kelantan tidak puas hati dengan pembangunan projek yang dirancang mengikut Rancangan Malaysia Kesembilan (RMK-9) di negeri ini kerana agak perlahan dan ada yang belum dimulakan.

Ini termasuk pembinaan kampus Universiti Malaysia Kelantan (UMK) di Bachok dan Jeli serta projek Jambatan Kedua Sultan Yahya Petra.

"Beta juga mendapat maklum, Kelantan adalah antara negeri yang disenarai dengan projek hab halal dalam RMK-9 membabitkan peruntukan RM17 juta. Bagaimanapun, projek ini belum dilaksanakan dan beta berharap ia dapat disegerakan.

"Beta menyarankan kerajaan negeri turut menekankan pelaksanaan pembangunan hab halal bagi mewujudkan pusat pengumpulan, pengeluaran dan pemasaran makanan halal," titahnya.

Sultan Kelantan juga berharap rangkaian perhubungan dibaiki, dinaiktaraf dan ditambah bagi memastikan kelancaran pelaksanaan 53 program di bawah Wilayah Ekonomi Pantai Timur (ECER) di Kelantan.

"Sukacita beta mencadangkan Kerajaan Persekutuan mempercepatkan pembinaan fasa ketiga Lebuh Raya Pantai Timur dari Terengganu ke Tumpat, laluan kedua Kota Bharu-Kuala Krai dan pelebaran Jalan Gua Musang-Kuala Lipis.

"Beta difahamkan, pelabuhan tidak disenaraikan sebagai projek infrastruktur di bawah ECER di Kelantan. Bagaimanapun, beta dimaklumkan kerajaan negeri meluluskan tiga projek pembinaan pelabuhan Tok Bali, pangkalan bekalan luar pesisir Kemasin dan pangkalan bekalan Kuala Besar.

"Beta berharap kerajaan boleh memberi kerjasama dan bantuan sepenuhnya bagi menjayakan projek ini," titah baginda sambil melahirkan rasa amat gembira dan berterima kasih kepada Kerajaan Persekutuan kerana memberi peruntukan dana khas sebanyak RM32.1 juta bagi meningkatkan sosio-ekonomi rakyat menerusi Projek D'Raja Kelantan.

Baginda turut menyarankan rakyat supaya berbelanja dengan berhemat bagi menangani kesan kenaikan kos sara hidup akibat krisis kewangan, kekurangan makanan dan kenaikan harga minyak dunia.

Tuesday, October 07, 2008

Credit Counseling And Debt Management Agency : Free Service for Malaysian

Mr. Yii lost his brother when he collapsed one ill-fated Sunday morning due to sudden heart failure. Mr. Yii was a guarantor to a housing loan sign-on by his brother, he was liable for paying the monthly installments of RM 1,800 towards financing the home. Almost immediately the property was auctioned off by the bank, forcing Mr. Yii to incur a new debt of RM 120,000 the shortfall arriving from the sale.

Mr. Yii was fighting hard to stay afloat and was threatened with bancruptcy by creditors. Mr Yii was fearful that if he was declared bankrupt, he might lose his family home and other assets under his name. The stress prompted him to seek help from AKPK as his family’s well-being was now threatened.

The agency managed to get creditors approval for a full waiver on the penalty interest and other charges pertaining to the debt. Additionally the bank also waived 50% of the principal on the loss amounting to over RM 70,000 and agreed that the balance of the loss will be paid with monthly installments of RM 500 over a period of 8 years.

The above is one of the success stories published at Credit Counseling and Debt Management, or AKPK, stands for Agensi Kaunseling Dan Pengurusan Kredit.

AKPK is an agency set up by Bank Negara Malaysia in April 2006 to provide financial counseling and debt management to individuals as well as financial education to help individuals take control of their financial situation and gain peace of mind that comes from the wise use of credit.

Since it is not a profit-taking company, AKPK offers the following services, free of charge:

  • Financial education on the responsible use of credit and basic money management skills
  • Counselling and advice on financial management, including financial budgeting to manage expenses
  • Debt management programme to assist financial consumers to regain financial control

AKPK also organizes regular public briefing session to help clients understand how APKP’s Debt Management Program at Klang Valley, Johor Bahru, Penang and Kuching. The briefing is currently conducted in English & Malay language.

AKPK does not provide loans or financing. So don’t mistaken that it is just another banking institution whose main aim is to make profit. In order to engage their free service for debt management,

  • You have a positive source of income after meeting your expenses
  • Your total debt does not exceed RM2million
  • You are not under advanced litigation process
  • You are not a bankrupt

If you are having trouble with debt, why not give AKPK a call? Their toll free number is 1-800-88-2575.
Kuala Lumpur - 03-2698 8575 ext 201
Johor Bahru - 07-221 0533
Penang - 04-261 2246

Sunday, September 21, 2008

Gergasi ekonomi dunia ranap angkara riba

Lehman Brothers, AIG and Merrill Lynch ..........


Amalan mengaut faedah tanpa risiko nyata cetus ketidaktentuan sistem kewangan global

AYAT 279 surah al-Baqarah menegaskan maksudnya: "Oleh itu, kalau kamu tidak juga melakukan (perintah mengenai larangan riba itu), maka ketahuilah kamu: akan adanya peperangan dari Allah dan Rasul-Nya, (akibatnya kam
u tidak menemui selamat)."

Bukti kebenaran wujud peperangan Allah dan Rasul-Nya terhadap pengamal riba dalam minggu ini adalah kehancuran Lehman Brothers dan Federal Housing Authority sebagai dua gergasi pengamal riba dunia berasal dari Amerika Syarikat (AS). Dan dalam hitungan hari selepas itu, Selasa lalu, satu lagi gergasi kewangan dalam sektor insurans yang beroperasi di 130 negara dan mempuny
ai 116,000 pekerja tidak termasuk pekerja separuh masa, American International Group Inc (AIG) sedang berada dalam proses untuk tumbang dan tinggal nama.


Bagaimanapun, ada 'tangan-tangan' yang berusaha untuk menyelamatkan AIG kerana ia dikatakan mempunyai keutamaan global sehingga 'pertolongan sesat' yang mulanya akan diberikan sejumlah AS$85 bilion oleh US Federal Reserve (Fed) sudah menjadi AS$500 bilion gabungan ta'awun 'ala al-itsm wa al-'udwan (bertolong-tolongan dalam berbuat dosa dan pencerobohan) bank-bank pusat Eropah, Britain, Jepun, Switzerland dan Kanada di samping Fed sendiri yang menambahkan jaminannya menjadi AS$265 bilion..

Jumlah wang yang begitu banyak yakni AS$500 bilion itu diperuntukkan untuk menyelamatkan satu sistem yang dimusuhi Allah yang mana jika ia diperuntukkan untuk kesejahteraan sebenar manusia sejagat sudah p
asti akan lebih menguntungkan kepentingan kemanusiaan daripada kepentingan segelintir pengamal riba.

Penulis tertarik dengan komen yang dibuat oleh seorang profesor di Universiti New York, Nouriel Roubini terhadap 'double standard' kerajaan Amerika ke atas krisis Lehman Brothers dan AIG. Professor di Stern School of Business itu berkata, seperti dipetik Reuters, Khamis lalu: "�We're essentially continuing a system were profits
are privatized and � losses socialized."
Sistem ekonomi kapitalis sebagaimana disifatkan Roubini ini adalah sistem orang kufur nikmat yang dianugerahkan Allah Ta'ala. Orang kufur nikmat yang tamak dan kemaruk harta dunia. Mari kita perhatikan firman Allah yang bermaksud: "Sesungguhnya manusia itu dijadikan mempunyai tabiat resah gelisah (lagi bakhil kedekut); apabila dia ditimpa kesusahan, dia sangat resah gelisah; dan apabila dia beroleh kesenangan, dia sangat bakhil kedekut." (Surah al-Ma'arij: 19-21)

Firman Allah ini dijelaskan lagi dengan satu contoh dalam ayat yang lain maksudnya: "Dalam pada itu, apabila mereka naik bahtera (lalu menemui sesuatu bahaya di laut), mereka memohon pertolongan kepada Allah dengan doa yang tulu
s ikhlas kepada-Nya. Kemudian setelah Allah menyelamatkan mereka (naik) ke darat, mereka berlaku syirik kepada-Nya. (Akibat syirik itu) jadilah mereka orang yang kufur nikmat yang Kami berikan kepadanya, dan (menjadi) orang yang hanya bersuka ria di dunia; kemudian mereka akan mengetahui kelak akibat buruk apa yang mereka lakukan." (Surah al-'Ankabut: 65-66)

Inilah yang berlaku dalam krisis AIG hari ini. Ketika mereka dalam keadaan memperoleh keuntungan sejak penubuhannya pada 1919 di China, mereka senyap dan berfoya-foya dengannya tanpa menghiraukan kepentingan orang lain. Tapi, ketika berlaku krisis yang berp
unca daripada amalan riba yang diperangi Allah, mereka berteriak minta tolong sehingga seluruh dunia terkena kesannya termasuk mungkin insurans kereta anda dengan American International Assurance (AIA).

Pengalaman masyarakat antarabangsa moden membuktikan keburukan amalan riba sejak terjadinya krisis ekonomi 1929. Tapi mereka tidak serik-serik lagi kerana tujuan yang dicanangkan mereka belum wujud lagi. Tujuan yang akan membuat semua manusia menjadi hamba kepada segelintir manusia pimpinan Yahudi zionis seperti digariskan dalam protokol zionis dan pernah dikisahkan Shakespear dalam Merchant of Venice menerusi tokoh pengamal riba berbangsa Yahudi, Shelok.
Seorang pakar ilmu ekonomi, Prof G Haberler dari Universiti Harvard di AS menulis di dalam bukunya Kemakmuran dan Kemelesetan bahawa tiada suatu masalah yang menimbulkan perbezaan pendapat di kalangan pakar ekonomi selain masalah yang berkaitan dengan nilai wang faedah atau faedah bank. Masalah ini masih suatu persoalan yang belum mencapai sebarang penyelesaian sehingga sekarang, dan ketika berlakunya kemelesetan terbesar di seluruh dunia kapitalis pada 1929, maka sistem perekonomian kapitalis hampir tumbang untuk selama-lamanya akibat merebaknya wabak pengangguran.

Pelopor dan pemimpin pakar ekonomi moden, Lord J M Keynes mengkritik sistem ekonomi klasik dan mengisytiharkan sikap bertaubatnya ke atas sistem itu, sambil melancarkan serangan yang tidak mengenal ampun terhadap faedah bank. Pandangan ini diikuti oleh muridnya, Sir Roy Harrod yang menerbitkan sebuah buku bertajuk Ke Arah Suatu Sistem Ekonomi Yang Bergerak Dinamik. Dalam buku ini, Harrod bukan saja membela pandangan Keynes, malah menokok tambah lagi dengan jelas dan terang dan beliau menyatakan bahawa sistem ekonomi bebas itu tidak boleh kekal dan tahan lama selagi masih wujud suatu puak tuan punya modal yang terus menjalankan kegiatan memberi pinjaman wang melalui bank-bank di samping mengaut pendapatan yang dinamakan 'faedah' tanpa menghadapi sebarang risiko atau menjalankan suatu usaha dan pekerjaan yang membawa kebajikan. Puak itu menjadi beban yang terpaksa dipikul oleh penerima pinjaman yang terpaksa bekerja bertungkus-lumus menghadapi pelbagai bentuk risiko.

Oleh itu, Harrod berpendapat bahawa masyarakat perlu segera diselamatkan daripada pelbagai bentuk ancaman kejahatan yang ditimbulkan oleh puak minoriti ini dengan cara melakukan suatu usaha berkesan yang akhirnya melakukan larangan dan pengharaman kadar faedah. Dan pada ketika itu semua pemilik wang terpaksa melaburkan wang mereka melalui pelbagai cara yang produktif yang memberi faedah kepada masyarakat. (Rujuk al-Jammal, Ensklopedia Ekonomi Islam, ii/432-3) Al-Quran al-Karim begitu tegas dan lantang sekali menyatakan hukum haramnya riba. Ia yang diturunkan lebih 1,400 tahun yang lalu sudah mengisytiharkan perang terhadap pengamal riba dan pada hari ini masyarakat antarabangsa dilanda wabaknya seperti diberitakan dalam sebuah hadis Nabi Muhammad SAW maksudnya: "Akan tiba suatu zaman, tidak ada seorang juga pun kecuali ia terbabit dalam memakan harta riba. Kalau ia tidak memakan secara langsung, dia akan terkena juga debu-debunya." (Hadis riwayat Ibn Majah)

Maka pada akhirnya, tidak ada jalan penyelesaian agar kita terselamat daripada bencana perang terhadap riba yang diisytiharkan al-Quran di atas selain sambungan ayat pada permulaan tulisan ini iaitu maksudnya: "Dan jika kamu bertaubat, maka hak kamu (yang sebenarnya) ialah pokok asal harta kamu. (Dengan yang demikian) kamu tidak berlaku zalim kepada sesiapa, dan kamu juga tidak dizalimi oleh sesiapa." Mari kita hapuskan riba! Wallahu a'lam.

- Abdurrahman Haqqi

Thursday, September 11, 2008

INSEP Training Program by SHRDC

INSEP, or Industrial Skills Enhancement Program, organized by the Selangor Human Resource Development Center (SHRDC), is a training and development program aimed at producing competent graduate engineers.

The SHRDC was established in 1992 to tie a closer relationship between the private and the government sectors and work hand in hand to upgrade the skills and competency of the human capital, especially among fresh graduates.

The founding is a collaboration between the Selangor state government with a number of prominent engineering multinationals e.g. Matsushita, Denso, MEMC Electronics Materials, Motorola, NEC Semiconductors, Texas Instruments and Western Digital.

In the program, participants will undergo between 4 to 12 months of training with SHRDC (based in Shah Alam), then 4 to 6 months of on-the-job training (OJT) before they are hired for full time employment with any participating manufacturing or engineering company. During the training with SHRDC and with the designated company, all participants will also be given paid allowances.

Successful applicants will be absorbed to different industrial and technology functions that include: semiconductor, enterprise resource planning (ERP), IT security, printed circuit board (PCB) design, e-commerce, software engineering, embedded system, database, industrial automation and plastic molding.

To be eligible for the training program, candidates need to be Malaysian citizens holding any technical or IT degree with CGPA 2.5 and above. He or she must not be bonded with the government or any other employer/party.

To apply for the program, send your resume to insep@shrdc.org.my. Any inquiry please contact Marketing Department, SHRDC, No. 1A, 1st Floor, Block 2, Worldwide Business Park, Section 13, 40100 Shah Alam, Selangor. Tel: 03-5513 3560.

Click here to know more about the Industrial Skills Enhancement Program (INSEP).

http://www.shrdc.org.my/insep.asp

companies participated in this program : motorola, intel, avago and many more..

Monday, September 08, 2008

The World's Most Reputable Company

Toyota is the world’s most reputable company for the year 2008, a study by Reputation Institute, a New York based research firm concluded.

The Japanese company is currently the world’s largest auto maker, ahead of General Motors, the company it overtook since the last two years. Apart from the Toyota brand itself, it also owns other best selling vehicle brands such as Lexus, Scion, and Daihatsu in the form of compact cars, sport utility vehicles and trucks.

Other than the automotive business, Toyota also provides financial services such as financing, equipment leasing and related financial products.

On the second position was Google, which breaks into the top spot for the first time. The world’s largest search engine, which has won numerous business awards in the recent years, came as a little surprise, with the company’s reputation and value rising up almost unstoppable.

Sweden’s IKEA, Italy’s Ferrero and America’s Johnson&Johnson came third, fourth and fifth respectively.

More than 600 largest companies were researched to find those with the best global reputation. Toyota, which is headquartered in Tokyo, Aichi and Nagoya, Japan, was ranked 6th in the last two years - 2006 and 2007. In July 2008, Toyota was named as the world’s 5th largest company in the world, behind Wal-Mart, Exxon Mobil, Shell and BP.

Friday, September 05, 2008

How To Negotiate Salary

Following are some of the tips you can use while (or before) negotiating your salary with prospective employers. They don’t guarantee you anything, but the least they do is getting yourself prepared.

1. Evaluate how much you are worth

Conduct an assessment on yourself - compare your skills, the demand of the skills in the job market, and find out the salaries of those in your job niche.

Take account both internal and external factors in evaluating your salary. Is your company a leader in the market (which can mean they’re already paying top salaries)? Are you currently lowly paid even though you’re being loyal with your company and stay for years (which can mean your chance of landing a job with top salary is higher)?

2. Compare salary and compensation plan

Compare the current salary and the new salary offered. Then go to the next level - study the overall compensation plan. The salary offered might be lower than you are expecting but there might be some elements in the benefits or perks that counter it. List the haves and the have-nots - e.g. share option, medical benefits, traveling entitlement, allowances, insurance scheme and so on. If they’re not satisfactory, go back to the negotiation table.

3. When asked about salary, try soliciting a range

Certain people react differently when asked about current salary at point-blank. If you’re put in a position to reveal how much you’re earning, get even by soliciting a range this new company can offer. That’s only fair, isn’t it? This is a pre-emptive strike that can determine if you should pursue your interest with the new company.

4. Use justification rather than confrontation

Rather than shamelessly hammering your fist and stating your demand, justify why you’re worth that salary. Use persuasion techniques effectively.

“Part of the job requires me to (do certain stuff). As my own experience tells me, there are only a handful of specialists in the market out there who have this expertise and I’m sure you’d agree. I’ve done my own analysis, and their salary is either at par or above than the salary figure I’m asking.”

5. Don’t give ultimatum too soon

Some people throw the “pay me, or leave me” ultimatum too soon thinking that the employer is desperate enough to get you on-board. Often times, this will result in a pissed off employer who would soon withdraw from the offer altogether. Rather, allow 2 or 3 rounds of salary negotiation, before you make up your mind.


-skorcareer

Overall 4% tax savings for employees

Employees in general can save about 4% in tax payment on their income pursuant to the tabling of the Budget 2009 last week by Prime Minister. Effective year of assessment 2008 (YA), expenses on allowance, benefits in kind and perquisites provided by employers would be given full deduction even though such benefits were not stipulated in the service contract of the employee. With this proposal, the schedular tax deduction (STD) for the monthly salary will mainly be based on the employees basic pay and not gross monthly income anymore.

Employees also enjoyed petrol and travel allowance between the home and work place of up to RM2,400 a year, adding that business travelling for official duties would also be eligible for higher benefits on the petrol and travelling allowance amounting to RM6,000 per year. Budget for 2009 also includes allowance or fees for parking, allowance or subsidies for childcare of up to RM2,400 a year, meal allowance and staff discounts of up to RM1,000 a year on company traded goods.




Thursday, September 04, 2008

Rahsia Bisnes Orang Cina

The Chinese are well known to have produced many extremely successful businessmen and entrepreneurs.

This country itself has a rich history of Chinese migrants and their families who were once reached the shore with little or no money but eventually topped the rich list and stamped their name in the history books. More importantly, they left a legacy that benefits many generations, and at many various levels. Loh Boon Siew, Lim Goh Tong, Robert Kuok are only a few examples in Malaysia.

In many parts of the world, including in the US, United Kingdom and others, the once small Chinese community grew and developed into densely populated Chinatowns. It’s true they say ‘just throw any china man, and soon the place will blossom with economy activities and the Chinese population’.

Ann Wan Seng, a Chinese Muslim, has compiled a series of ’secrets’, tips and the way the Chinese do business since 1996 and in 2004 decided to publish a book on it. The book, Rahsia Bisnes Orang Cina (The Business Secrets of the Chinese) is available in major bookstores nationwide. So far it is only available in Malay language.

Rahsia Bisnes Orang CinaWan Seng studied and observed various aspects, characters and traits that propel the Chinese people to succeed. Being a Chinese himself, as well as coming from a family who runs business has given him some sort of advantage to closely research and collect his findings. Throughout his work, Wan Seng gathered enough evidence to brush off some of the common misconceptions that associate the Chinese with business success.

For example, one preconceived notion is that the Chinese are born to be good entrepreneurs and businessmen. That is not a fact. Instead, they are born just the same like any other races. However, while everyone is born equal, the Chinese differentiate themselves from the rest with distinguished traits, characters, philosophy and ambition. For instance, most people believe that hard work is a key to success.

The Chinese believe in this too, but they are the ones who take it extra miles, further ahead of others. Where work is concerned, no one can be as hard working as the Chinese. It is a philosophy held on to like a religion. Complacency is not in their life dictionary. When other people work 10 hours per day, they work 14 to 16 hours per day. This small difference, after many years, would eventually enable them to attain astounding success, and often times, miles away from others.

What else are their traits and secrets? Read the book and you will know a thing or two. Retail price is only RM18.90.

20 Myths of Entrepreneurship


1. An entrepreneur is born and not made

2. Money is always the number one motivation for an entrepreneur

3. It takes a lot of money to start a business

4. A great business has the best business plan

5. An entrepreneur is destined for financial freedom

6. Being an entrepreneur always means being your own boss

7. Entrepreneurs always work longer hours

8. Money is the most important tool for a start up business

9. A person needs to have a business experience before starting one

10. A successful entrepreneur has the best product in the market

11. Young entrepreneurs have the highest rate of success

12. Starting a business is an answer to an unhappy job

13. One business failure and that’s the end for an entrepreneur

14. A good business idea means you can easily get financial help

15. A successful entrepreneur can be a successful salaried worker

16. A successful salaried worker can be a successful entrepreneur

17. All entrepreneurs have high degree of stress threshold

18. Most entrepreneurs are the gambling lots

19. An entrepreneur can be successful only in the location he is familiar with

20. An entrepreneur can be successful only in the field he is familiar with


taken from skorcareer website

Wednesday, September 03, 2008

40 Days of Haj Leave for Civil Servants



The Muslim civil servants in Malaysia are entitled for 40 days of special leave to perform haj (pilgrimage).

The heads of department can grant the 40 days leave for those who apply in advance. The haj leave is granted only once within the period of service, and entitlement is made available only for confirmed employees who have served a minimum 4 years period.

If the employee needs more than 40 days of leave, he or she can consume the annual leave entitlement, school holiday leave (for teachers and academic staff), or apply for unpaid leave.

The announcement was made by the Public Service Department (PSD) after a member of Parliament, Razali Ibrahim of BN-Muar urged the government to streamline a policy that allows the employees to take special leave to perform haj.

The current haj leave is in accordance to the Government Circular (Pekeliling) 4 released in 1984, which stated that leave to perform haj, with full salary is already provided for.


New Doctors Will Get RM6000 Salary

Malaysian doctors, particularly houseman officers (HO) will enjoy a new salary revision which will also see automatic grade promotion upon the completion of 2-year housemanship beginning 2010. The new salary scale will effectively convert into the doubling of the present salary scale.

From The Star news:
PUTRAJAYA: At least 2,000 graduate house officers in government hospitals will get an automatic promotion to grade UD44 upon completion of their two-year housemanship in 2010.

They will be getting at least RM6,000 including allowances every month, which is almost double what the present graduate house officers are getting on grade UD41.
Health director-general Tan Sri Dr Ismail Merican said the promotion exercise would cost RM1.7mil annually. He added that at least 7,000 doctors on grades UD41 and UD44, who were appointed before 2008, would also get their long overdue promotions. This would cost another RM9.8mil. He said many doctors had been stuck at UD41 for six to seven years and that they would be moved to the higher scale of UD44.
“Hopefully, this promotion exercise will indirectly encourage many doctors to remain in the civil service,” he said.
Dr Ismail denied allegations by certain parties that there were not enough opportunities for other races compared to Malays in the medical sector. He said that from 2000 to February this year, there were 2,085 specialists of whom 56% were Malays, Chinese (23.7%) and Indians (19.3% ). He said 55% of the specialists on grade UD48 were Malays, 23% Chinese and 18.2% Indians. As for UD54, it was 58% Malay, 21% Chinese and 16% Indian.
Of the specialists under special grade C, he said 51.1% were Malays and Chinese and Indians made up 24% each. As for those under special grade B, he said that 42% were Malays with the Chinese and Indians making up 24% and 34% respectively. - The Star.
While most doctors and the wannabe-doctors will welcome this news with open arms and tearful joy, few others are still reeling from the adverse psychological effect of being a health practitioner. I guess it is probably true that a doctor’s job (particularly housemanship officers) is the one of the most stressful jobs around.

Bad News
a suicidal doctor tried to take her own life by threatening to jump from the 6th floor of Alor Star Hospital.
Malaysian Salary - Doctor



There was drama at the Sultanah Bahiyah Hospital here when a lady doctor sat on the ledge of the sixth floor and threatened to jump. It is learnt that the doctor, in her 20s, became distressed after an argument with a colleague at about 8am.
A security guard, who saw the doctor sitting on the ledge outside at 9.55am, called out to her to go back into the doctor’s restroom. Hospital security then summoned the police. A squad from the Fire and Rescue Department also sped there.
Police and firemen tried coaxing the doctor for nearly an hour, with other doctors also joining in the effort. By that time, a large crowd of onlookers had gathered.
Firemen tried to approach her on a sky lift, but the doctor threatened to jump. Officials said the distressed doctor, who was clad in jeans and a long-sleeved blouse, had a penknife and had told them that she wanted to “release tension.”
At about 11am, a policeman went up and handed the doctor a cell phone. The doctor then made a call and was talking to someone when a fireman came and grabbed her from behind.
Hospital director Dr Che Pah Ahmad said the doctor would be given counseling.

Thursday, July 10, 2008

Islamic Economic Bringing Peace & Harmony

The whole world is particular about economy which is considered as the main source of life. Every nation and every country strive hard to strengthen their economic situation.When the economy of a country is strong, the country will advance in many other fields like industries, technologies and even military. The strong economy enables a country to take over another country.

Little wonder, economy is always the focus of all the world leaders. The muslim world are also in the race. They are also strengthening their economy. Many via the capitalist system introduced and supported by the Western countries and the Jews.

The muslim forget that Islam has its own economic system which is far better than the capitalist. Under islamic economy, God is the essence.

The capitalist’s main focus is profitability per se. The concept of love and care in undertaking business decision is almost non existing. Economy as an ibadah is unthinkable.

As such, capitalists will compete vigorously to increase their profits and minimize their losses even by stepping on others.

Unfortunately, many muslims are also in the same school of thought. Instead of taking God as the guidance, we try to compete with the capitalists on their own platform which is created by them to generate income for themselves.

The result? We always failed and face further diminution.

Muslims must reassess their economic focus and guidelines. Taqwa is the foundation upon which all business decisions and planning should be constructed.

The Islamic economic and financial systems are meant to protect human, and to promote love and care, peace and harmony here and the hereafter unity among all, bringing peace and harmony here and the hereafter.

Wednesday, July 09, 2008

COMPARISON BETWEEN CHARGE CARDS AND CREDIT CARDS

Both charge cards and credit cards allow you to conduct cashless transactions, there are differences between these two types of payment cards. The main difference between charge cards and credit cards is on the required amount that is payable by the payment due date.


For conventional charge cards, you must settle the outstanding balance in full by the payment due date and there will be no interest charged. However, a late payment charge
will be imposed if you fail to do so. The late payment charge is usually between 3.0%
to 3.5% per month (or 36% to 42% per annum) of the outstanding balance.


For Islamic charge cards, a compensation fee will be imposed up to a certain maximum
amount allowed, normally RM70 per month and NO COMPOUND INTEREST. Issuers will usually cancel your charge card if you have defaulted on such repayments for a few months (period varies depending on the issuer’s internal policy).


As for credit cards, you may settle your outstanding balance in full by the due date, or
pay at least the minimum monthly repayment, which is usually 5% of the total outstanding
balance. While credit cards offer you a flexible way of paying your credit card debt, it can be
costly.COMPOUND INTEREST APPLY.

Credit card issuers usually impose a finance charge of about 18% per annum for the balances
that are unpaid and a late payment charge is imposed if you fail to pay at least the minimum
monthly repayment by the due date.

Conventional Charge Card : AMEX, Diner's Club.

Islamic Charge Card : HSBC Amanah,Alrajhi, Bank Islam Charge Card. (www.hsbcmanah.com,www.alrajhibank.com.my and www.bankislam.com.my)

check for my previous posts about tips and trick to use Credit card/charge card.