It is the right time to save our electricity bill !

ecoVista Electricity Saver

The electrical system that supplies electricity to our homes and offices are NOT 100% efficient. When the system is not efficient, electricity would be WASTED. This means, we have been paying more than what we should.

The inefficiencies are due to many factors. Among the critically significant ones are :

• Irregular electricity loadings (especially in and around urban and industrialized areas)
• High frequency spikes (called electrical noise and harmonics distortion)
• Poor performing parts from cheap electrical components due to industry-wide manufacturing cost-cutting initiatives.
• Widespread use of reactive appliances (like most lightings, motors, TVs etc) that causes the Electricity Current to lag the Voltage, thus creating a phase shift and results in poorer Power generated (see diagram on the right).

Therefore, it is no surprise that your ordinary 36 Watts fluorescent light ACTUALLY consumes more than 70 Watts of Power to operate. That's about 100% WASTAGE! Something that we have been tolerating with over the years without even knowing it!

It's time to fight back with the latest micro-technology in auto-optimizing your entire household or office electrical system! Time to start saving some serious money by reducing or eliminating that wastage.

You have a choice to reduce your electricity bill by as much as 30% instantly with the ecoVista Electricity Optimizer. Choose to save now.

Do you know the consequences of not reacting to such wastage?
Right! You're wasting more electricity and thus wasting your hard-earned money. Secondly, thicker wires and better insulations are needed to withstand higher temperatures (because inefficiencies draw more electrical Current and more Current means higher wire temperature). Any compromise to this will cause serious potential FIRE HAZARD. Finally, electrical appliances' life-span would be dramatically reduced due to under or over powering of electrical devices.

With ecoVista Electricity Saver, we guarantee immediate savings to your electricity consumption.

Our electricity saver would reduce or eliminate electrical inefficiencies by auto sensing real-time the electricity waveform and reactance loads, then cleverly transforms (through our unique push-pull and filtration technology) and recycles "dirty" electricity into highly efficiency electricity.
The result : Immediate and Definite savings!

This is a propriety technology that was developed and perfected over the years that none could come close to matching its sterling performance.

Our Electricity Saver is tested and proven to deliver the guaranteed performance and safety by various international testing bodies. The internal components used are either UL or TUV certified and all of them carry the CE mark.

You get even more!

The Electricity Saver also comes with built-in rectifiers to stabilize the voltage and filters high frequency electrical noise, a powerful lightning arrestor and current surge protector. All these will give you a total peace of mind in protecting your household/office's sensitive electrical or electronic equipment. EcoVista Electricity Saver has proven on numerous occasions where it served as a vital second line of protection should your main circuit breaker in the distribution board failed to perform.

What this means is, if in an event where your circuit breakers failed to arrest a lightning strike or a power surge, then ecoVista Electricity Optimizer would immediately neutralize such threats and save the entire household/office electrical appliances. This feature alone could save you thousands of dollars and more importantly, all the hassle in managing the cataclysmic destruction.

The diagram above shows how ecoVista Electricity Optimizer instantly reduce electrical current consumption by 45%. By using a digital clamp meter, we can see that the household electrical current consumption is 8.2 Amps. Plug in the ecoVista Electricity Optimizer into any electrical socket and you'll see that the reading instantly reduces to only 4.5 Amps. That's an amazing 45% reduction!

This device is LEGAL to be used in all countries and is highly encouraged by most National Electricity Boards as it helps in reducing energy consumption and goes a long way in helping our environment.

worth to try??i think so. the price is RM 238. this company guarantees that you will be save by 30 % INSTANTLY when you use this device...hmm, sounds good, right?

take a look at this website : http://www.extramile.com.my

Malaysian New Subsidy Plan

Malaysian Prime Minister, Abdullah Ahmad Badawi has announced the new petrol, diesel and gasoline price effective June 5, 2008.

New Plan :

Petrol --> RM2.70 (from RM1.92)

Diesel --> RM2.58 (from RM1.58)

• RM625 annual cash rebate per vehicle, for owners of private vehicles with engine capacities of up to 2,000cc, as well as pickup trucks and jeeps with engine capacities of up to 2,500cc.

• Owners of private motorcycles with engine capacities of up to 250cc will receive RM150.

• Payment will be made via Money Order upon renewal of road tax, from July 1.

• For owners of private vehicles with engine capacities exceeding 2000cc, road tax will be reduced by RM200.

• Owners of private motorcycles with engine capacities above 250 cc will get RM50 reduction in road tax.

electricity rates also increased by 18% for homes and 26% for business users. The usage below 200kWh will not impact home user. 59% of Malaysian populations would still pay the same amount if the usage is less than 200kWh.

WHY DO MUSLIMS PRAY FIVE TIMES A DAY?

The Catholic Christian Prime Minister of the island-State of St. Vincent in the Caribbean is reported (Trinidad Guardian, May 8th) to have entered into the Mt. St. Benedict Monastery in Trinidad for a spiritual retreat during which he will join the monks in praying "five times a day".

Even while a wicked godless white world-order is waging unjust war on Islam and Muslims, there are many people in the Caribbean who have defied the warmongers and have chosen to become Muslims, and their numbers are constantly increasing. When they become Muslims by proclaiming that there is no God but Allah, and that Muhammad is His Servant and Messenger, they are taught, first of all, to pray 'five times a day'.

In this essay we enquire into the origin of 'five times' daily prayer and, in so doing, ponder over the implications of its abandonment, or its substitution with something else. We also describe those 'five times' of daily prayer. We feel certain that the monks in that monastery will find this subject quite interesting.

Prophet Muhammad, sallalahu 'alaihi wa sallam, was forty years of age when Angel Gabriel appeared before him and informed him that he was a Prophet of the One God. He was himself unaware, prior to that event, of this status of his. And even though we know that he never worshipped the idols of Arabia that even his wife worshipped, we do not know if, or how, he prayed daily.

There were other Arabs, known as Hunafa, who also refused to worship idols. They worshipped One God, made the annual pilgrimage (Hajj) to His Holy Temple in Makkah that Abraham, 'alaihi al-Salaam, had built, and sacrificed animals every year on the occasion of that pilgrimage in commemoration of Abraham's trial of sacrifice of his only son, Ishmael, 'alaihima al-Salaam.

Sometime after that first visit the Angel came one day and taught Muhammad, sallalahu 'alaihi wa sallam, how to perform ablution before prayer. The hands were to be washed, then the mouth, nostrils and entire face, then the arms up to the elbows, then the wet hand was to be passed over the head, and finally the feet were to be washed.

Some eleven years later, after the Prophet had been summoned in a miraculous celestial journey by night from Makkah to Jerusalem and then into the heavens to the special Divine presence, and had received the Divine gift of 'five times daily prayer', Angel Gabriel came to him one day and led him in prayer five times during that day,

- once in the early morning (after dawn but before sunrise),

- once in the early afternoon (after the sun had crossed the zenith but before mid-afternoon),

- once in the later afternoon (but before the setting of the sun),

- once after the sun had set,

- and finally in the early hours of the night (after twilight had ended).

On each occasion that day he led the prayer at the earliest time possible. He then returned another day and again led the Prophet in the same five times prayer, but this time he chose the latest possible time for each prayer. The Angel then announced that these were the five times of compulsory prayer, and that each prayer was to be performed within the timeframe just established.
In addition to these compulsory prayers there are voluntary prayers that could be performed at any time, but best of all in the early hours of the morning before dawn.

Since there is but One God, and hence but one Truth, and only one true religion (i.e., the religion of 'Abraham' from whose name the name 'Brahma' appears to have originated) the implication is that whoever worships the One true God must pray these five times compulsory prayers every day. Anyone who does not perform the five times daily prayers lives an essentially pagan life since the compulsory prayer is the very foundation of the religious way of life.

When Jesus, the true Messiah, 'alaihi al-salaam, returns, he, also, will pray five times a day in the same way that Angel Gabriel taught Prophet Muhammad to pray, and in the same way that Muslims pray to this day (without chairs, benches, pews, etc.)

They stand barefooted before Allah Most High in prayer, then bow down, sit flat, and prostrate themselves with their faces on the earth. They do so 'five times a day', and will continue to do so Insha Allah in defiance of the godless world, and regardless of the price they already pay for that defiance.

And they do so with the absolute conviction that Truth must eventually triumph over its wicked godless enemies.

They also recite in every prayer the opening Surah of the Qur'an in which they ask to be guided on "the straight path - the path of those whom Thou hast blessed, not the path of those who earn Thine anger, nor of those who go astray."

Those who are today waging unjust war on Islam and Muslims most certainly earn Allah's anger, and those who support such people, for whatever foolish reason, are certainly a people who have gone astray.

- Islamic Scholar ~ Imran Nazar Hosein

Khasiat Air ZamZam

AIR zamzam mempunyai banyak kelebihan dan keistimewaan berbanding air lain. Perkara ini diperakui oleh banyak kajian saintifik, termasuk sarjana Barat. Air zamzam mempunyai banyak khasiat dan kelebihan seperti sabda Nabi Muhammad SAW bermaksud: "Sebaik-baik air di permukaan bumi adalah air zamzam. Padanya ada makanan yang menyegarkan dan penawar bagi segala penyakit."

Ia juga mempunyai beberapa keistimewaan antaranya tidak pernah kering walaupun berjuta-juta manusia memanfaatkannya setiap hari, terutama pada musim haji. Air zamzam tidak akan kering hingga hari kiamat. Hal itu, adalah bukti keagungan dan kebesaran Allah.

Ulama sepakat bahawa sunat bagi orang yang mengerjakan ibadah haji dan umrah, minum air zamzam. Ini disebabkan Nabi Muhammad SAW minum air zamzam. Berdasarkan nas asy-Syafi'eyah, bahawa air zamzam itu sunat diminum dalam apa keadaan sekali pun. Hukum sunat itu tidak hanya khusus selepas mengerjakan tawaf, bahkan sunat diminum bagi setiap orang walaupun bukan pada waktu mengerjakan ibadah haji atau umrah.

Disebutkan dalam hadis, Jabir bin `Abdullah, katanya: "Aku pernah mendengar Rasulullah bersabda: "Air zamzam itu diminum untuk keperluan apa saja." (Hadis riwayat Ibnu Majah)

Dalam erti kata lain, jika meminumnya dengan maksud menghilangkan rasa haus, maka Allah akan menghilangkan rasa hausnya. Jika meminumnya untuk menghilangkan rasa lapar, maka Allah akan mengenyangkannya. Sekiranya, meminumnya untuk menyembuhkan penyakit, maka Allah akan menyembuhkan penyakitnya.

Diriwayatkan Rasulullah gemar meminumnya dan tangan Baginda yang mulia dan penuh barkah pernah dicelupkan ke dalam perigi zamzam. Rasulullah pernah bersabda: "Air zamzam itu diminum mengikut apa yang diniatkan atau dikehendaki. " (Hadis riwayat Jabir, lbnu Abbas, lbnu Umar dan Muawiyah)

Ahli ilmu meluaskan huraian mereka terhadap hadis di atas. Al-Munawa berkata: "Air zamzam adalah penghulu segala air, paling mulia, berharga dan disukai. "Allah memberi minum dan menolong putera kekasihnya, Nabi Ismail bin Nabi Ibrahim dengan air zamzam. Maka, pertolongan seperti itu juga boleh diperoleh oleh orang selepas baginda iaitu bagi sesiapa saja yang meminumnya dengan niat ikhlas, termasuk kita.

"Ramai ulama meminumnya kerana sesuatu hajat dan mereka berhasil memperolehnya."

Disebut pengarang kitab al-'Aqdus Sameen bahawa Ahmad bin Abdillah Asy-Syarifee, seorang khadam di Tanah Haram Makkah meminum air zamzam dengan niat dan tujuan untuk berubat daripada buta. Lalu, dengan izin Allah, beliau sembuh. Menurut pengarang kitab ini lagi, bahawa kejadian itu dikhabarkan sendiri gurunya, al-Fufti Abdul Rahman bin Abil Khair alFasi. Al-lmam an-Nawawi sebagai mengulas hadis di atas berkata: "Maknanya, barang siapa minum kerana sesuatu hajat, nescaya memperoleh hajatnya itu.

"Hal ini, dicuba ulama dan orang soleh bagi segala hajat mereka, sama ada hajat akhirat mahupun dunia. Alhamdulillah, semuanya memperolehnya. " (Lihat Tahzibul Asma Wal-Lughat 3/139).

Al-'Allamah lbnul Qayyim al-Jauziah pula berkata: "Saya dan juga orang lain mencuba berubat dengan air zamzam. "Saya berubat dengannya dalam banyak penyakit dan sembuh dengan izin Allah. Demikian juga saya menyaksikan orang yang menggantikan makanan biasa dengan air zamzam hampir setengah bulan atau lebih, tetapi tidak lapar. Bahkan dia juga tawaf bersama orang ramai, mampu menggauli isterinya dan berpuasa."

Al-'Allamah seterusnya berkata: "Sudah berlaku kepada diri saya sewaktu di Makkah, saya sakit. Pada masa itu, saya benar-benar ketiadaan ubat dan doktor. "Maka, saya pun berubat sendiri dengan al-Fatihah. Saya ambil air zamzam dan bacakan di atasnya berulang kali. Kemudian, saya minum lalu mendapati kesembuhan yang sempurna.

"Sejak itu saya melakukannya atas banyak penyakit dan semuanya memberi sebesar-besar manfaat." (Lihat Zadul Ma'ad 4/718)

Berkata pula Al-Hakim: "Bahawa Abu Bakar Muhammad bin Jaafar bercerita mengenai Ibnu Khuzaimah (Ibnu Khuzaimah ialah seorang ilmuwan besar), katanya: "Saya mendengar orang bertanya kepada lbnu Khuzaimah: "Daripada manakah tuan memperoleh ilmu?" Jawab lbnu Khuzaimah: "(Bukankah) Rasulullah pernah bersabda: "Air zamzam itu diminum mengikut apa yang diniatkan?" (Lihat Sairul A'Iam an-Nubala 14/370).

AI-Jalal as-Suyuti juga menceritakan mengenai dirinya, katanya: "Dengan memuji Allah, saya sudah musafir ke negeri Syam, Hijaz, Yaman, India dan Maghribi. "Apabila saya menunaikan haji, saya minum air zamzam bagi beberapa perkara yang berikut, antaranya: Agar saya mahir dalam ilmu fiqah hingga mencapai martabat Asy-Syeikh Sirajuddin al-Bulqini.

"Dalam ilmu hadis hingga saya mencapai martabat al-Hafiz lbnu Hajar. Ada pun, semua ini saya sebutkan demi mengingati nikmat Allah ke atas diri saya, bukannya untuk bermegah-megah.

"Apalah yang ada untuk dimegahkan di dunia ini, sedangkan saat kembali semakin dekat dan uban pun mulai subur." (Lihat Husnul Muhadharah 1/215 dan 2/296).

Jika diperhatikan dengan sehalus-halusnya keterangan di atas, maka nyata, yang amat mustahak itu adalah niat dan keimanan yang seikhlas- ikhlasnya untuk mengiringi perbuatan minum itu.

FAKTA Rahsia kelebihan air zamzam

• Boleh menyembuhkan pelbagai penyakit dengan izin Allah.
• Diberkati dan mengeyangkan peminumnya.
• Mampu menyempurnakan hajat peminumnya dengan izin Allah.
• Allah menjadikan air zamzam sebagai penyebab kepada pembangunan dan kemajuan bumi Makkah. Seterusnya, kewujudan Baitullah di bumi itu.
• Antara mata air syurga.
• Antara tanda kekuasaan Allah di bumi Makkah.
• Antara nikmat besar dan manfaat yang dapat dilihat di Tanah Haram Makkah.
• Ia keluar dari kawasan paling mulia di muka bumi ini.
• Air dipilih untuk membersihkan hati Rasulullah SAW beberapa kali.
• Minuman orang mulia (al-abrar).
• Menambah kekuatan badan.

Wallahua'lam

How Much Home Can You Afford?

Find Out How Much Home You Can Afford With a Simple Calculation

When the time is right to purchase a home, the first question you need to be able to answer is how of a home you can afford. Knowing the answer to this question will allow you to focus your search on homes within the correct price range even before applying for a mortgage.

Debt-to-Income Ratio

The most important factor that lenders use as a rule of thumb for how much you can borrow is the debt-to-income ratio. This ratio takes into account a mortgage payment plus your other personal debt you are carrying such as car loans, credit card debt and student loans. The ratio is expressed in a percentage of how much of your income is being used to make debt payments.

The typical guideline used by most lenders is a ratio of 36% as the upper limit. Ratios above this may carry a higher interest rate or be denied altogether.

Lenders also like to see that generally no more than 28% be dedicated to all housing expenses.

Calculating Your Debt-to-Income Ratio

The first thing you need to do is determine your gross monthly income. This is the income before taxes and other expenses are taken out. If you are married and will be applying for the loan jointly you should add together both incomes. Then take this number and multiply it by 0.36. For example, if you and your spouse have a combined gross monthly income of $7,000:

$7,000 x 0.36 = $2,520

This means that your total monthly debt payments should be no more than $2,520, mortgage payment included.

The next step is to determine your total non-mortgage debt payments such as monthly credit card or car payments. For this example we will assume your monthly debt payments come to $950. Computing the maximum mortgage payment:

$2,520 - $950 = $1,570

From this example we have determined that the most home you can reasonably afford is one with a mortgage payment of $1,590 which would include property taxes, insurance and possibly private mortgage insurance.

Remember, This is Only a Rule of Thumb

It is important to remember that just because the bank will lend up to that amount doesn’t mean that is what you can truly afford. This is simply a guideline you can use when shopping for a home so you are concentrating on homes that are within your price range. In reality your specific situation will dictate what type of home and mortgage payment will be best for you.

- taken from financial planning (about.com)

no articles for a few days

hi visitors,

i've been busy with my work and my study. i will update my blog after my final examination this weekend. :)

Tutup aurat tidak sekadar bertudung

Dipetik dari sumber lain :

SOALAN MENUTUP aurat untuk wanita-wanita Islam Muslimah adalah wajib tapi ramai yang masih tidak menutup aurat dengan sempurna sebagaimana yang dituntut Islam. Malah ada yang seakan-akan memperagakan fesyen seolah-olah mempersendakan hukum atau syariat Islam. Bolehkah ustaz memberikan nas-nas dari al-Quran ataupun rujukan hadis yang menjelaskan balasan bagi wanita Islam yang tidak menutup aurat.

JAWAPAN DALAM kamus Lisan al-Arab karangan Ibn Manzur menjelaskan makna tabarruj Lisan al-Arab, jld:3, hlm:33). Ini bermaksud apa sahaja perbuatan seorang wanita dalam menghiasi wajahnya serta tubuhnya supaya dilihat oleh orang lelaki dan ia termasuk juga memperagakan fesyen pakaian. ialah apabila seorang wanita menampakkan perhiasan serta kecantikannya kepada lelaki. (Ibnu Manzur,

Dalam persoalan ini anda boleh lihat adanya tiga kategori wanita. Yang pertama, menutup aurat dengan sempurna. Kedua, menutup aurat tetapi tidak sempurna dan ketiga, langsung tidak menutup aurat.

Kumpulan pertama menutup aurat dengan sempurna kerana dia sedar bahawa itu adalah perintah Allah SWT. Menyedari bahawa hukum menutup aurat itu wajib serta memahami cara yang betul dalam menutup aurat.

Kumpulan kedua menutup aurat, tetapi tidak sempurna. Kategori ini mutakhir ini cukup banyak.

Menutup aurat bukan sekadar melilit sehelai kain di atas kepala tetapi memelihara kecantikan diri daripada diperagakan kepada orang awam. Kadang-kadang kepala ditutup dengan tudung tetapi pada masa yang sama potongan tubuh badan dipertonton kepada orang.

Hakikatnya, pemahaman masyarakat wanita Muslim dalam persoalan menutup aurat masih cetek. Ungkapan "Daripada tak tutup langsung lebih baik tutup." Kata-kata ini, tampak baik, semacam positif, pada hakikatnya suatu yang dangkal.

Kenapa perlu dibandingkan dengan yang tidak menutup aurat? Kononnya yang menutup aurat walaupun tidak sempurna sudah kira baik… Kenapa tidak dibandingkan dengan yang lebih sempurna dalam menutup aurat?

Itulah manusia yang banyak sangat beralasan dalam urusan dunia dibandingkan dirinya denga yang lebih baik, manakala dalam urusan agama membandingkan dirinya dengan yang paling teruk.

Tidak salah berfesyen dalam bertudung tetapi sebelum dilihat kepada aspek fesyen, adalah lebih baik dilihat aspek hukum. Mungkin ada yang berpendapat bahawa pandangan saya agak jumud. Tetapi suka saya nyatakan bahawa takut saya pada Pencipta mengatasi keinginan nafsu manusia. Cuba lihat diri anda yang sempurna kejadiannya, cantik, rambut ikal mayang, sihat dan sebagainya.

Manusia itu sempurna tidak kira lelaki mahupun perempuan. Siapa yang menjadikan manusia berpasangan, ada lelaki ada perempuan? Jawapannya tidak lain tidak bukan ialah Allah SWT.

Dialah yang menjadikan rupa paras wanita dengan keayuan yang semula jadi, yang menjadi tarikan orang lelaki dan Dia jugalah yang memerintah agar kamu wahai wanita hendaklah menutup aurat.

Suruhan ini bukan daripada saya atau mana-mana ulama atau mufti, tetapi suruhan ini datangnya daripada Allah yang menjadikan kamu. Hairannya, manusia terima semua yang diberi oleh Pencipta seperti makan, minum, kesihatan, rezeki dan macam-macam lagi kalau mahu dihitung sudah pasti manusia tidak dapat menghitungnya nikmat tuhan, tetapi bila disuruh menutup aurat dia ingkar, suruh solat dia ingkar, suruh zakat dia ingkar dan banyak lagi keingkaran yang dilakukan oleh manusia.

Allah SWT berfirman yang bermaksud: Dan hendaklah kamu tetap diam di rumah kamu serta janganlah kamu mendedahkan diri seperti yang dilakukan oleh orang-orang jahiliah zaman dahulu; dan dirikanlah sembahyang serta berilah zakat; dan taatlah kamu kepada Allah dan Rasul-Nya. Sesungguhnya Allah (perintahkan kamu dengan semuanya itu) hanyalah kerana hendak menghapuskan perkara-perkara yang mencemarkan diri kamu - Wahai 'AhlulBait'dan hendak membersihkan kamu sebersih-bersihnya (daripada segala perkara yang keji). (al-Ahzab: 33)

Seorang ahli tafsir mengulas ayat ini dengan berpendapat: "Tabarruj wanita bermakna dia (wanita) meletakkan penutup (kain selendang) atas kepalanya dan tidak mengikatnya sehingga boleh dilihat leher dan segala perhiasannya, termasuklah rantai dilehernya." (Ibn Kathir, jld: 3, hlm: 482-483).

Manakala Abu Ubaidah berpendapat: "Tabarruj bermaksud seorang wanita menampakkan kecantikannya yang memungkinkan orang lelaki ghairah."(Tafsir al-Alusiy, jld: 21, hlm: 8)

Ulasan ulama dalam ayat di atas serta kaitannya dengan perhiasan di zaman jahiliah. Maksudnya sebelum kedatangan Islam orang Arab perempuan memang sudah menutupi kepala mereka.

Setelah Islam menyinari bumi, dan lokasi sinaran itu ialah Mekah. Jadi masalah sosial juga berlegar dalam persoalan masyarakat hari itu.

Selepas turunnya ayat dari surah al-Ahzab ayat 33 yang bermaksud: Dan hendaklah kami tetap di rumahmu dan janganlah kamu berhias dan bertingkah laku seperti orang-orang Jahiliah yang dahulu dan terus dirikanlah solat, tunaikanlah zakat dan taatilah Allah dan Rasul-Nya. Sesungguhnya Allah bermaksud hendak menghapuskan perkara-perkara yang mencemarkan daripada kamu, hai 'ahl al-bait' dan membersihkan kamu sebersih-bersihnya.

Lantaran itu, wanita-wanita Islam segera menutup aurat dengan sempurna sehingga tidak mendedah rambut, leher dan segala perhiasan di leher mereka. Inilah perbezaan yan ketara antara wanita Islam zaman ini dengan wanita Islam di zaman Nabi SAW.

Generasi al-Quran ini cukup unik dan dinamik. Apabila sampai sahaja perintah Allah SWT melalui al-Quran, mereka segera menyahut tanpa sebarang bantahan dan alasan.

Sebagai balasannya, Allah SWT menjanjikan kebahagiaan hidup di dunia dan akhirat, yang pastinya di atas sifat tunduk dan patuh kepada perintah dan suruhan Allah SWT, mereka kelak akan dibalas dengan syurga yang tidak tergambar nikmatnya.

Hari ini macam-macam alasan diberi untuk melepaskan diri daripada perintah Allah SWT.

Dulu, zaman Nabi SAW, orang-orang Arab kuat nafsu, sebab itulah wanita zaman itu kena berkelubung, pakaian warna hitam, tutup muka dan sebagainya. Kalau betul apa yang didakwa, minta tolong kemukakan kes-kes rogol dan pencabulan yang ada pada masa itu. Itu di zaman jahiliah.

Wanita Melayu juga pada satu ketika dahulu, mungkin awal 1950an, perempuan-perempuannya berkelubung dengan kain batik, bila dengar suara lelaki lari menyorok, tidak mudah keluar rumah.

Maksudnya pergerakan dan perwatakan mereka dikawal oleh kedua-dua orang tua. Adakah pada awal tahun 1950 banyak kes rogol, pencabulan, buang anak, gugurkan janin, anak luar nikah, lari dari rumah, kanak-kanak hilang dan sebagainya?

Keruntuhan moral, budaya dan ancaman luaran yang menyebabkan segala macam bencana manusiawi yang tidak pernah berlaku di zaman jahiliah dan juga di awal kemerdekaan berlaku hari ini.

Dewasa ini orang pakai tudung sempurna pun tidak selamat, ini pula sengaja mendedahkan aurat semacam bersedia untuk dibaham.

Kecantikan seorang wanita terletak pada sejauh mana ketaatannya kepada Allah SWT. Adalah suatu yang salah kalau orang perempuan merasakan kaum lelaki akan tertawan dengan rupa parasnya semata-mata tanpa melihat kepada unsur-unsur keagamaan pada dirinya.

Jarang pembeli memilih kuih yang terdedah kepada lalat, asap dan kotoran. Biasanya pembeli akan memilih kuih tertutup dengan tudung saji. Kecantikan dan rupa paras yang Allah SWT berikan adalah untuk tontonan suami bukannya untuk orang lain. Dunia dipenuhi dengan perhiasan, maka sebaik-baik perhiasannya ialah wanita solehah.

Celebrating Valentine's Day : Shariah View

First of all, we'd like to shed light on the origin of this festival, known as "Valentine Day" or "Festival of Love":

The Festival of Love was one of the festivals of the pagan Romans, when paganism was the prevalent religion of the Romans more than seventeen centuries ago. In the pagan Roman concept, it was an expression of "spiritual love".

There were myths associated with this pagan festival of the Romans, which persisted with their Christian heirs. Among the most famous of these myths was the Roman belief that Romulus, the founder of Rome, was suckled one day by a she-wolf, which gave him strength and wisdom.

The Romans used to celebrate this event in mid-February each year with a big festival.

One of the rituals of this festival was the sacrifice of a dog and a goat. Two strong and muscular youths would daub the blood of the dog and goat onto their bodies, then they would wash the blood away with milk. After that there would be a great parade, with these two youths at its head, which would go about the streets. The two youths would have pieces of leather with which they would hit everyone who crossed their path. The Roman women would welcome these blows, because they believed that they could prevent or cure infertility.

The connection between Saint Valentine and this festival:

Saint Valentine is a name which is given to two of the ancient "martyrs" of the Christian Church. It was said that there were two of them, or that there was only one, who died in Rome as the result of the persecution of the Gothic leader Claudius, c. 296 CE. In 350 CE, a church was built in Rome on the site of the place where he died, to perpetuate his memory.

When the Romans embraced Christianity, they continued to celebrate the Feast of Love mentioned above, but they changed it from the pagan concept of "spiritual love" to another concept known as the "martyrs of love", represented by Saint Valentine who had advocated love and peace, for which cause he was martyred, according to their claims. It was also called the Feast of Lovers, and Saint Valentine was considered to be the patron saint of lovers.

One of their false beliefs connected with this festival was that the names of girls who had reached marriageable age would be written on small rolls of paper and placed in a dish on a table. Then the young men who wanted to get married would be called, and each of them would pick a piece of paper. He would put himself at the service of the girl whose name he had drawn for one year, so that they could find out about one another. Then they would get married, or they would repeat the same process again on the day of the festival in the following year.

The Christian clergy reacted against this tradition, which they considered to have a corrupting influence on the morals of young men and women. It was abolished in Italy, where it had been well-known, then it was revived in the eighteenth and nineteenth centuries, when in some western countries there appeared shops which sold small books called "Valentine's books", which contained love poems, from which the one who wanted to send a greeting to his sweetheart could choose. They also contained suggestions for writing love letters.

The above quotation is excerpted, with slight modifications, from www.Islam-qa.com

As regards the Islamic stance on this festival, Dr. Su`ad Ibrahim Salih, professor of Islamic Jurisprudence (Fiqh) at Al-Azhar University, states the following:

Indeed, Islam is the religion of altruism, true love, and cooperation on that which is good and righteous. We implore Allah Almighty to gather us together under the umbrella of His All-encompassing Mercy, and to unite us together as one man. Allah Almighty says: (The believers are naught else than brothers. Therefore make peace between your brethren and observe your duty to Allah that haply ye may obtain mercy.) (Al-Hujurat 49: 10)

Focusing more on the question in point, I can say that there are forms of expressing love that are religiously acceptable, while there are others that are not religiously acceptable. Among the forms of love that are religiously acceptable are those that include the love for Prophets and Messengers. It stands to reason that the love for Allah, and His Messenger Muhammad (peace and blessings be upon him) should have the top priority over all other forms of love.

Islam does recognize happy occasions that bring people closer to one another, and add spice to their lives. However, Islam goes against blindly imitating the West regarding a special occasion such as Valentine's Day. Hence, commemorating that special day known as the Valentine's Day is an innovation or bid`ah that has no religious backing. Every innovation of that kind is rejected, as far as Islam is concerned. Islam requires all Muslims to love one another all over the whole year, and reducing the whole year to a single day is totally rejected.

Hence, we Muslims ought not to follow in the footsteps of such innovations and superstitions that are common in what is known as the Valentine's Day. No doubt that there are many irreligious practices that occur on that day, and those practices are capable of dissuading people from the true meanings of love and altruism to the extent that the celebration is reduced to a moral decline.

Source : Islam Online

Employment Concerns For Working Muslim Women

Before a Muslim woman seeks employment, she must carefully weigh all of her options and prepare herself for inevitable challenges.

Every day, many Muslim women cope with the challenge of working in a non-Muslim environment: a male employee offers his hand during introductions, other employees begin to discuss private aspects of their lives at lunch, an invitation is sent to all employees for a get-together at the local bar; someone makes a joke about Hijaab or Salaah. These are just a few of the many possible situations that a woman may face as she struggles to maintain not only her job, but, more importantly, her Muslim identity.

All women who have been exposed to the workplace at some point in their lives can fully grasp the myriad of reasons why working outside the home is an enormous problem, in particular for Muslim women. There are countless contrasts in the workplace to our Islamic value system.

There are valid reasons why laws were enacted for sexual harassment in the workplace in the United States, and that is because it happens, and often. Moreover, women should be aware that the laws can only do very little to discourage it, after that you are on your own.

What is the Islamic perspective in women and work? What guidelines should be followed if a woman works? What are some strategies that may be effective in helping her to maintain Islamic values and behavior?

Setting priorities:

The most important role for a woman is motherhood. This special role that Allaah, Almighty, has created for her, affords her honor and respect in Islam. Where does she fulfill this role? Naturally, in her home. Allaah, Almighty, Says (what means): "And abide in your houses and do not display yourselves as [was] the display of the former times of ignorance..." [Quran 33: 33]

This does not mean that a woman is a prisoner in her home, but only that she should have a valid reason (meeting her basic needs) to go out, to avoid any tribulation, trial, or temptation that may result from mixing between men and women.

A woman should not work in a non-Muslim environment unless there is an extremelly compelling reason for her to do so. Allaah, Almighty, has not prohibited women from working, but He has provided numerous protections for women, that are primarily concerned with where, how, and with whom she associates. She should seriously consider the costs and benefits for herself, and the impact on her ability to fulfill her primary responsibilities, before taking on a job. There are many situations that may make it necessary for a woman to work, such as to meet the financial needs of the family or to fulfill the needs of the society (doctors, midwives, teachers).

There are several obvious guidelines that should be followed if a woman must work:

First, she must obtain consent from her guardian or husband (if married), who may offer a broader perspective on how her work may influence the family and its functioning.

Secondly, a woman must ensure that her home and children are properly cared for. Her husband may be of assistance in this area, or outside help may be employed.

Thirdly, care must be taken to choose employment that is appropriate and fits with her skills. Obviously, any work that deals with forbidden activities, services, or products would not be allowed but there is a world of possibilities available.

Forthly, any job that prevents her from fulfilling any of her Islamic obligations, like Hijaab or Prayer for example, is not an option to be considered.

Fifthly, while at the job, a woman must maintain her inwardly and outwardly modesty and chastity.

There is an immense and growing need for Muslim women in various medical fields, in education, in helping professions such as social work, counseling, psychology, psychiatry, and childcare. With the growth of technology and communications capabilities, there are unlimited opportunities for women to do some type of work or business from home (such as secretarial and typing; writing, editing, publishing; computer work, etc.). This would be an ideal situation that would eliminate many of the concerns that may arise for working women.

Maintaining an Islamic foundation:

This common concern for women who work outside the home must be taken very seriously. Women need to be careful that the job they choose does not lead them to transgress the limits of Islam.

Fedwa is a successful computer programmer at a major University who understands the risks of working in a non-Muslim environment. She knows that if she is not cautious, others may begin to negatively influence her. When she first began working, she would attend luncheons with other employees, but soon discovered that much of the time was spent on idle talk and conversation about forbidden activities (e.g. boyfriends, drinking). She decided that the best precaution for her would be to avoid these luncheons completely, so that a bond would not be established between herself and her co-workers. This type of influence could be so subtle, that a sister may not even be aware that she has fallen into the trap. Listening to inappropriate conversations on a regular basis may lead a sister to become desensitized and thereby forgetful about appropriate etiquette.

Another sister, Layla, echoed the same concerns. Layla is a Dental Claims Clerk at a major HMO who also decided to stop sitting with her co-workers during lunch. She and three other Muslim sisters at the same company have devised a creative way to preserve their identity while socializing at the same time. Each Friday, the sisters pray Thuhr (noon prayer) together in a conference room, followed by lunch. During lunchtime, they study about Islam in a private halaqah (Islamic study circle).

Layla also discussed her struggle with wearing Hijaab. When she first became Muslim, she considered not wearing Hijaab to job interviews for fear that potential employers would react negatively, preventing her from being considered. This rationale carries a strong message. After more consideration, she realized that Allaah would be the only One Who could assist her in finding a job, and if she did not wear it, she would not receive Allaah's help. She wore the Hijaab and found a job. She felt that the Hijaab was a barrier in only one of her interviews. Since that time, Allaah, Almighty, has strengthened her faith. Her advice to other Muslim sisters is to be open and honest about religious beliefs and practices, and to incorporate this into conversations.

Sources: Al-Jumuah magazine

Time Value of Money is acceptable ???

"The birth of the Islamic banking industry in the late 1960s was preceded by numerous literatures in Islamic economics that discussed an economic system complete with social justice. Islamic banking was only a minute discussion in these literatures. Regardless of the initial initiatives by the economist, the Islamic banking industry was actually instigated by the business community because they sensed that it will be too long to wait for the complete Islamic economic system to emerge. These efforts gave birth to the first Islamic commercial bank - the Dubai Islamic Bank in 1975. Since then, Islamic banking has gained acceptability and success." This comment came from Sheikh Nizam Yaquby during the 15th Islamic Banking Discussion Series at the International Islamic University of Malaysia (IIUM).

He also added that despite the acceptability and success of the industry, the economist always criticizes Islamic banks and makes them responsible for the problems of the Muslim community, including the inequality of wealth among the people. This, however, serves as an important reminder: one has to be fair to the Islamic banks in their criticism. "We have to remember that an Islamic bank was initially set up because traders wanted to conduct business without contravening the Shariah. To claim that Islamic banks have deviated from the path (i.e. Musharakah) and to make them responsible for all the economic problems of the Ummah, would be an over-reaction by the economists I say." Sheikh Nizam concluded his brief prologue with these words before providing an opportunity for the attendees to pose various questions. This article summarizes some of the questions and answers put to Sheikh Nizam at the discussion series.

Shouldn't Islamic banks play a role in the development of the Muslim society?

Yes, Islamic banks do play a role, however they are not the only institution responsible for the development of the Ummah. They play a developmental role by employing people, providing finance for trade and granting scholarships for students. However, to say that Islamic banks are responsible to eradicate the poverty of the Ummah is just too much. We need collective efforts from the state government, the banks and the Awqaf institution to effectively eradicate poverty, not the banks alone.

Which one should prevail in accounting for Islamic banking products; the substance of a transaction or the legal form of it? We cannot apply a general rule for substance over form. We have to examine each situation on a case-by-case basis. Ideally, we would like to recognize both substance and form. However, in certain situations the substance would be more important while in other situations the form would need to prevail. For example, when the prophet prohibited the companions from exchanging a portion of good quality dates with two portions of bad quality dates and suggested them to first sell the good dates and use the money from that transaction to buy the lower quality dates, it shows that form is important. However, this does not mean that substance should be ignored. What is more important, I think, is to analyze the impact of any policy that we choose.

In an Ijarah Muntahiyah Bi Tamlik transaction, for example, rather than arguing about substance over form, the final decision that is much more vital is to settle is who should carry the asset in their book - the lessor or the lessee? Focus on this and leave out the substance over form argument. Islamic funds are eventually placed with conventional banks via commodity Murabahah. What is your comment?

As long as there is no full Islamic economic market, the Islamic funds will always flee to the conventional market. The solution is therefore to find a commodity market that trades within the Muslim countries as an alternative to the London Metal Exchange (LME), for example. It is amazing to note that no single oil producing country has an oil exchange. Muslim countries are the major oil producers, however none of these countries have an oil exchange. We need to change this. We need to establish exchanges for oil, rubber and palm oil, for example. This will give the bankers alternative investment avenues. Currently, Sukuk is not providing that much of an alternative because there are not many issuances, and within this limited issuance, investors usually will hold Sukuk until maturity due to the good yield and the double collateralization it carries.

Can Islamic banks provide Hajj financing?

Capability (financial and physical) is always made a prerequisite for performing hajj. The aim of hajj financing is to provide the financial capability to individuals who may not have the financial capability immediately, however who have good salaries which provide steady cash inflow (i.e. future financial capability). During the pre-industrial era, people were farmers and entrepreneurs. They did not enjoy a fixed income every month. However, with the advancement of the industrial revolution, most people are salary-based and financing has become a modern aspect in life. It is not haram to seek debt if you are able to fulfill obligations. Therefore it is permissible to seek finance to perform hajj. Nonetheless, it should be made clear that hajj financing is meant for those who have the capability to repay the financing, not for the poor. As for the poor, it is better to go for saving schemes like the one provided by Tabung Haji here in Malaysia.

What is your opinion regarding the time value of money?

All eight schools of thought agree that the time value of money is accepted in exchange contracts. If we analyze verse 2:275 in al-Quran, it says: "They say: Trading is only like riba, but Allah has permitted trading and forbidden riba." What trade is this verse referring to? It is certainly not cash sales. It is actually referring to a credit sale where the price is higher than the cash price. Then only would it be comparable to riba.

Time value in sales is recognized, while time value in loans is haram. This is unanimously agreed by the scholars.

What are the challenges that the industry faces in the next 10 years?

There are three major challenges. First, we need a real genuine solution to solve the liquidity problem of Islamic banks today. Secondly, we need to establish a mega Islamic institution with at least US$50 billion capital. We may even establish four to five of these mega institutions for each continent - the Middle East, Asia, Europe, the US and Africa. This institution will be able to solve a lot of problems that the industry faces, including the liquidity problem. Finally, we need to seriously look into human resource development and R&D. The salaries of the CEOs of Islamic banks today are unbelievably high due to a shortage of experienced and qualified Islamic bankers. Concentrated efforts should be focused on education and training of human resources. The industry also needs to allocate funds for R&D purposes to come up with innovative and competitive products

-UZAR

Gara-Gara Manfaatkan 1000 Ciuman Suami

masalah jugak kalau jenis lurus bendul....

Zaman ni zaman susah. Harga minyak naik terus, akibatnya terjadi pemberhentian di berbagai syarikat. Salah satunya yg terkena pemberhentian ialah Suparjo dari Semarang, Indonesia. Bulan ni dia tak dapat kirim wang untuk isterinya di kampung halaman. Hanya dapat kirim surat yang isinya demikian:

Isteriku tercinta,

Maafkan kanda sayang, bulan ni kanda tak dapat kirim wang utk keperluan keluarga di rumah. Kanda hanya dapat mengirimkan buatmu 1000 ciuman.

Paling cinta,
Kanda Suparjo Yii

Seminggu kemudian Suparjo mendapat surat balasan dari isteri tercintanya:

Kanda Suparjo tersayang,

Terima kasih atas kiriman 1000 ciumanmu. Utk bulan ini Dinda akan menyampaikan laporan perbelanjaan keluarga:

Tukang minyak bersedia menerima 2 ciuman setiap kali membeli 5 liter minyak tanah.

Tukang letrik mahu dibayar dengan 4 ciuman setiap 10hb setiap bulan.

Tuan rumah mahu sewanya dibayar ansuran 3 kali ciuman setiap hari.

Tokeh kedai runcit tak mahu dibayar pakai ciuman. Dia mintak yg lain jadi Dinda terpaksa berikan saja.

Hal yg sama juga kepada Guru Besar dan guru kelas sekolah di Nanang yg dah 3 bulan tertunggak.

Besok Dinda nak ke pajak gadai utk tukar 200 ciuman dgn wang tunai sebab Tokeh pajak gadai dah sedia tukarkan 200 ciuman dan gadaian yg lain dgn wang Rp650 ribu. Lumayan buat belanja sebulan.

Keperluan peribadi Dinda bulan ni mencapai 50 ciuman. Kanda tersayang.. bulan ni Dinda merasa menjadi org paling kaya di kampung kita kerana Dinda berikan hutang ciuman kepada ramai pemuda di kampung dan siap ditukar dengan apa pun keperluan Dinda.

Yang dari kanda masih berbaki 125 ciuman, kanda ada fikiran bagaimana mahu dihabiskan? Atau Dinda simpan dululah dalam tabung yer??

Paling sayang,
Dinda Suti Nirwingsih

....gedebuk. .. Suparjo pengsan!!!!

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MORAL: Semoga keperitan hidup tidak menyebabkan kita hingga menggadaikan kehormatan diri sendiri. Begitu juga kesenangan hidup sepatutnya tidak menyebabkan kita jadi sombong dan lupa diri.

Takaful vs Conventional Insurance

Ramai yang kurang memahami beza di antara praktis yang dilakukan oleh syarikat Insuran dan Takaful. Bagaimanakah bentuk yang dilakukan oleh syarikat-syarikat Takaful?. Bukankah ia juga mempunyai elemen meletakkan wang dan menunggu pampasan apabila musibah mendatang.?

Jawapannya adalah, syarikat-syarikat Takaful telah mengubah aqad ‘Mu'awadah Maliah' yang digunakan oleh syarikat Insuran konvensional kepada aqad Tabarru'at (kontrak derma). Hasilnya, aqad derma tidak terikat dengan syarat-syarat jual beli tadi, tidak juga diperlukan untuk jelas dan terang jumlah itu dan ini semasa serahan derma.

Contoh mudahnya, apabila anda memberikan hadiah kepada seseorang, adakah menjadi syarat agar anda memberitahu kepadanya berapa jumlah yang anda beri? Jawapnya sudah tentu tidak menjadi syarat. Ini kerana, ia adalah sumbangan baik dari satu pihak, tatkala itu tidak banyak syarat diperlukan untuk melaksanakan aqad derma ini.

Bagaimanapun bagi memudahkan urusan syarikat Takaful, mereka akan menggunakan gabungan beberapa aqad. Asas asasnya adalah :-

• a) Tabarru' dan Mudarabah
• b) Wakalah dan Tabarru

1) Takaful Model Wakalah dan Tabarru'

Keterangan ringkas : Syarikat Pengendali Takaful dilantik oleh pencarum sebagi wakil bagi menguruskan sejumlah wang tertentu untuk didermakan bagi tujuan takaful apabila diperlukan. Untuk melaksanakan tujuan itu syarikat Takaful akan mengambil sejumlah upah (al-Ujr) atas sebagai kos pengurusannya. Di samping itu, ia juga berfungsi sebagai wakil untuk melaburkan wang yang belum didermakan dan atas dasr Ju'alah, syarikat akan mengambil satu lagi jumlah upah sekiaranya ia berjaya mendapatkan untung dari pelaburan yang diusahakannya itu.

2) Takaful Model Tabarru dan Mudarabah

Keterangan ringkas : Menurut model ini, pihak pencarum meletakkan wangnya dalam jumlah tertentu atas aqad tabarru', pihak syarikat akan menguruskan tabung takaful dan dalam masa yang sama melaburkannya, jika terdapat lebihan keuntungan (surplus) setelah ditolak semua kos-kos pengurusan, pihak syarikat Takaful akan menghadiahkan sejumlah wang kepada peserta sebagai penghargaan penyertaannya.

Kesimpulan; perubahan dari aqad yang mengandungi ciri jual beli yang diamalkan oleh Insuran konevsnional menjadikannya bermasalah dari sudut Shariah. Ini berbeza dengan yang digunakan oleh Takaful yang menggunakan samada aqad derma (tabarru') atau (wakalah).

Berikut pula perbezaan antara keduanya dalam bentuk jadual ;-

Konvensional	Takaful
Kontrak Mu'awadah (Pertukaran Jual Beli) antara penanggung insurans dengan pohak yang diinsurankan	Kontrak Tabbaru' ( Derma & sumbangan ) yang disertakan dengan pelaburan.
Pemegang polisi membayar premium kepada penanggung insuran	Peserta membuat caruman ke dalam skim. Peserta saling menjamin sesama sendiri di bawah skim.
Penanggung insuran bertanggung jawab membayar manfaat insuran seperti dijanjikan daripada asetnya (kumpulan wang insuran dan kumpulan wang pemegang saham)	* Pengendali Takaful bertindak sebagai pentadbir skim dan membayar Takaful daripada kumpulan wang takaful.
	* Sekiranya berlaku kekurangan dalam kumpulan wang takaful, pengendali Takaful akan menyediakan (Qardhul Hasan) pinjaman tanpa faedah untuk menampung kekurangan berkenaan.
Pelaburan kumpulan wang bebas tanpa sebarang kekangan Shariah	Aset kumpulan wang Takaful HANYA boleh dilaburkan dalam instrumen yang selari dengan Shariah.
Wang pelanggan dianggap wang syarikat insuran dan dimilki olehnya sejurus dibayar oleh pelanggan.	Wang pencarum tidak di kira sebagai wang syarikat malah ia diasingkan dan tidak dimiliki oleh pengendali
Keuntungan yang dihasilkan dari kumpulan wang pencarum adalah dimiliki sepenuhnya oleh syarikat. Ia juga adalah objektif utama syarikat insuran.	Keuntungan hasil pelaburan dari kumpulan wang pencarum tidak dimiliki oleh syarikat kecuali nisbah yang disumbang dari wang syarikat sendiri. Baki keuntunaghn adalah milik tabung kumpulan wang pencarum.
Pencarum tidak berhak untuk mendapat sebarang bahagian dari 'surplus'	Lebihan, untung atau pulangan dipegang oleh tabung untuk dibahagikan semula kepada pencarum.

Senarai Takaful Operator (up to 2008) :


1) Prudential BSN Takaful Berhad
2) CIMB Aviva Takaful Berhad
3) Etiqa Takaful Sdn Bhd
4) Hong Leong Tokio Marine Takaful Berhad
5) HSBC Amanah Takaful (Malaysia) Sdn Bhd
6) MAA Takaful Berhad
7) Takaful Ikhlas Sdn Bhd

Office boy --> millionaire

A jobless man applied for the position of Office Boy� at Microsoft.

The HR manager interviewed him then watched him cleaning the floor as a Test. “You are employed”,� he said.

“Give me your e-mail address and I will send you the application to fill in, as well as the date when you may start.”

The man replied, “But I don’t have a computer, nor an email.”�

“I’m sorry”�, said the HR manager, “If you don’t have an email, that means you do not exist. And who doesn’t exist, cannot have the job.”

The man left with no hope at all. He didn’t know what to do, with only $10 in his pocket. He then decided to go to the supermarket and buy 10Kg tomato crate. He then sold the tomatoes in a door-to-door round.

In less than two hours, he succeeded to double his capital. He repeated the operation three times, and returned home with $60. The man realized that he can survive by this way, and started to go everyday earlier, and return late. Thus, his money doubled or tripled everyday.

Shortly, he bought a cart, then a truck, and then he had his own fleet of delivery vehicles. 5 years later, the man is one of the biggest food retailers in the US . He started to plan his family’s future, and decided to have a life insurance. He called an insurance broker, and chose a protection plan. When the conversation was concluded, the broker asked him his email.

The man replied, “I don’t have an email.”

The broker answered curiously, You don’t have an email, and yet have succeeded to build an empire. Can you imagine what you could have been if you had an email?!!”�

The man thought for a while and replied, “Yes, I’d be an office boy at Microsoft!”

Moral of the story:

1. Internet/email is not the only solution to your life.

2. If you don’t have internet/email but are willing to work hard, you can be a millionaire.

3. If you received this message by email, you are probably already an office boy/girl, and not any close to being a millionaire

Sifat Anda: Tanah, Air, Api, Angin

Kedudukan dalam keluarga juga boleh memberi gambaran terdekat tentang personaliti dirimu. Apatah lagi ia boleh dikaitkan dengan empat unsur asas seperti tanah, air, api dan angin. Jadi, apa kata kamu nilai sendiri keputusan kali ini.




Tanah - Anak pertama, kelima dan kesembilan
Air - Anak kedua, keenam dan kesepuluh
Api - Anak ketiga, ketujuh dan kesebelas
Angin - Anak keempat, kelapan dan kedua belas

Tanah

Individu yang tergolong dalam kategori ini dikatakan memiliki sifat merendah diri dan tidak cerewet. Sifat merendah diri sememangnya sifat yang dipuji namun sekiranya keterlaluan, pasti sifat ia mampu mengundang impak negatif dalam diri kamu. Mungkin telah tiba masanya untuk kamu merubah sikap sambil lewa kamu itu dan membentuk keperibadian yang lebih tegas dan berpendirian. Namun itu bukan bermaksud kamu perlu melakukan perubahan secara drastik, sebaliknya mulakan setiap perubahan itu dengan perlahan-lahan. Oh ya! Kamu juga digambarkan sebagai individu yang sentiasa bersifat tenang dan bijak mengimbangi emosi. Apa kata, kamu kekalkan kedua-dua keperibadian postif tersebut dan baiki lain-lain kelemahan yang ada. Biasalah, setiap manusia yang lahir di dunia ini memiliki kelemahan dan kelebihan masing-masing.

Air

Sesuai dengan unsurnya, individu yang tergolong dalam kategori ini disifatkan sebagai individu yang berjiwa agak sentimental dan mudah mengeluarkan air mata. Ketulusan hatinya pula tidak perlu diragui kerana mereka yang terdiri dalam kategori air ini memiliki sifat mengambil berat dan sentiasa berusaha untuk membahagiakan pasangannya. Tidak hairanlah sekiranya si dia dilihat memiliki sifat yang agak romantis. Jadi, bagi kamu yang masih berseorangan... bolehlah mula mencari teman yang terdiri daripada golongan ini!

Api

Individu yang tergolong dalam kategori unsur api ini dilihat memiliki sifat bertanggungjawab dan cekap dalam melakukan apa jua perkara. Selain itu, si dia juga mampu menjadi pendengar dan penasihat yang baik. Orang di sekelilingnya sentiasa berasa selamat apabila berdampingan dengan individu ini kerana individu dari kategori ini dikatakan memiliki sikap sering berhati-hati dan peka dengan keadaan sekeliling.

Angin

Bijak berkomunikasi dan sentiasa memelihara adab kesopanan menjadikan individu ini disenangi oleh teman-teman sekeliling. Tidak hairanlah sekiranya si dia sering dikelilingi ramai teman tak kira tua mahupun muda. Sifat manis mulutnya dan bijak bermain kata-kata mungkin akan membimbangkan setengah pihak namun itulah sifat semula jadinya yang sukar untuk dikikis.

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NOTA: Ini adalah antara ilmu firasat orang-orang Melayu zaman dahulu. Jadikan ia sebagai menambah pengetahuan, bukan untuk dipercayai 100%.

-MS