Saturday, October 09, 2010

Boleh?

di petik dari http://www.mudahniaga.com/


Tidak dinafikan, sesiapa pun tidak boleh menggambarkan apa yang akan berlaku pada masa hadapan. Tetapi berdasarkan kepada apa yang anda miliki sekarang, anda mungkin sekurang-kurangnya boleh membuat perancangan tentang persediaan untuk masa hadapan.

Sebagai contoh, bagaimana anda boleh mengira anggaran simpanan persaraan di KWSP.
- Katakan anda berumur 35 tahun
- Simpanan terkini di KWSP adalah sebanyak RM100,000
- Dengan anggaran purata dividen KWSP 5% setahun.
- Jumlah anggaran simpanan anda pada 20 tahun akan datang iaitu ketika anda berumur 55 tahun adalah RM265,000.

Akan tetapi, katakan perbelanjaan bulanan anda yang diperlukan selepas berumur 55 tahun adalah RM2,000 sebulan.
Dengan anggaran pulangan sebanyak 8% setahun dari simpanan anda ini, jumlah RM265,000 boleh dihabiskan dalam tempoh 5 tahun sahaja.
Dengan kata lain, ketika anda berumur 60 tahun anda akan bergantung sepenuhnya kepada sumber kewangan yang lain.

Bagaimana pula mengenai tahap kesihatan anda pada masa itu? Perlu diingat, kos rawatan perubatan hospital berkemungkinan besar boleh menyebabkan simpanan anda berkurangan dalam sekelip mata.

Simulasi Perancangan Kewangan mungkin boleh membantu anda membuat perancangan mengenai perbelanjaan persaraan anda. Boleh hubungi saya sekiranya anda berminat untuk mengetahui mengenainya.

Halalkah apa yg kita dapati jika tidak dibayar?

Katakan:

Seorang pak guru datang lantas mengajarkan kita kitab Allah. Biasanya pelajaran kitab Allah berterusan.
Persoalannya:

Adakah kita akan memberitahu bahawa tugas pak guru adalah tugas yang diamanahkan oleh Allah dan demi pahala, kita tak biasa menghulurkan imbalan kepadanya demi pahala atau ganjaran yang akan diperolehi olehnya disisi Allah?

Apakah hubungan manusia dgn manusia tidak termasuk memberikan sedikit kesenangan (infaq)?

Tanggungjawab & Keutamaan Dalam Keluarga

Petikan dari http://prubsnadvisor.com/#

Tanggungjawab & Keutamaan Dalam Keluarga
1) Melindungi waris daripada bebanan kewangan akibat kematian yang tidak dijangka (Dying Too Soon)
2) Plan Kewangan untuk persaraan (Living Too Long)
3) Melindungi pendapatan akibat penyakit biasa, kritikal dan kecederaan yang memerlukan kos rawatan berterusan (Living Death)
4) Pendidikan anak-anak (Children’s Future)
5) Simpanan dan Pelaburan (Wealth Creation)

Perancangan Kewangan & Simpanan di PruBSN Takaful
1.Komprehensif
(Mengandungi simpanan + Perlindungan + Medical Card)
Takaful dengan Medical Card dengan pampasan kematian, lumpuh, HUK dan penyakit kritikal. Jika diagnosis penyakit kritikal polisi PERCUMA sehingga 80 tahun dengan dapat menikmati medical card. Segala tuntutan tidak menjejaskan simpanan anda.
2. Siapa Akan Membayar Bil Hospital Anda
PruBSN akan terus bayar bil kepada hospital dan bukannya anda bayar dahulu dan tuntut kemudian dengan min. RM 500,000 – RM 1.5 JUTA.
3. Pelaburan berlandaskan Syariah – Boleh dikeluarkan dalam akaun “cash-value” apabila melebihi RM 1,000.
4. Kadar Dividen / Mudharabah yang tinggi
- Pelaburan utk memaksimumkan pulangan beserta perlindungan dan medical card dgn kadar pulangan tinggi 9%-15% setahun.

Pelan Kewangan Keluarga Islam (Islamic Family Financial Planning) terbahagi kepada 3 peringkat utama iaitu bermula dengan yang paling asas, Perlindungan Keluarga (Protection). Kedua ialah Perlindungan Kewangan (Savings) dan peringkat teratas ialah Kebebasan Kewangan (Investment). Secara asasnya setiap keluarga Islam (atau individu) perlu meneliti samada perancangan kewangan yang dirancang mereka memenuhi ketiga-tiga peringkat ini.

A) Perlindungan Keluarga (Protection)
Perlindungan keluarga terbahagi kepada tiga perkara yang memerlukan persiapan dan perancangan kewangan yang rapi iaitu:

Hutang

Nabi SAW bersabda :-

???? ?????? ?? ??? ??? ?????

Ertinya : ” Diampunkan semua dosa bagi orang mati yang terkorban Syahid kecuali jika ia mempunyai hutang (kepada manusia)” ( Riwayat Muslim, 6/38)

Pada zaman sekarang, manusia secara umumnya memang tak lari daripada bebanan hutang terutamanya dalam soal pembelian rumah dan kereta. Apabila kita mati, adakah sudah ada bekalan kewangan yang mencukupi kepada waris kita untuk melangsaikan hutang kita? Adakah kita sanggup melihat isteri atau anak-anak menderita dan terseksa dengan bebanan hutang kita yang bertimbun? Jadi persiapkan diri dengan kewangan yang mencukupi untuk menjelaskan segala hutang apabila kita meninggal dunia kelak.

Pendapatan
“Dan orang-orang yang (hampir) mati di antara kamu serta meninggalkan isteri, hendaklah berwasiat untuk isteri-isteri mereka, iaitu diberi nafkah saguhati (makan, pakai dan tempat tinggal) hingga setahun lamanya, dengan tidak disuruh pindah dari tempat tinggalnya. Kemudian jika mereka keluar (dari tempat tinggalnya dengan kehendaknya sendiri) maka tidaklah kamu bersalah (wahai wali waris si mati) mengenai apa yang mereka (isteri-isteri itu) lakukan pada diri mereka dari perkara yang patut (yang tidak dilarang Syarak) itu. Dan (ingatlah), Allah Maha Kuasa, lagi Maha Bijaksana.” – (Surah Al-Baqarah ayat 240).

Berdasarkan ayat Al-Quran di atas, Allah SWT telah memerintahkan kepada suami yang mengetahui akan sampai ajalnya, supaya meninggalkan harta atau lebih tepat lagi pendapatan (di samping rumah) kepada isteri mereka untuk tempoh 1 tahun. Ini kerana apabila meninggalnya suami yang bertindak sebagai pencari nafkah dalam keluarga, si isteri akan mengambil masa 1 tahun untuk pulihkan diri dan seterusnya kuatkan semangat untuk meneruskan kehidupan. Dalam tempoh berkenaan, si isteri akan sentiasa muram dan sudah pasti tidak berupaya untuk melakukan apa-apa kerja. Maka bekalan selama setahun yang ditinggalkan suami itulah dapat digunakan untuk mengisi perut mereka serta anak-anak.

Perubatan
Selalunya apabila membincangkan mengenai perancangan kewangan untuk tujuan perubatan, ramai daripada kita tidak mengambil kisah atau ambil endah tak endah kerana merasakan kita masih muda dan tak perlu simpanan untuk tujuan tersebut. Apabila sudah tua, baru nak menyimpan. Mereka sebenarnya lupa yang sakit tak pernah mengenal usia. Hatta bayi yang baru lahir pun kadang kala sudah terkena penyakit. Menurut kajian Kementerian Kesihatan Malaysia, penyakit secara puratanya akan datang kepada seseorang individu itu pada usia 35 tahun. Penyakit yang paling ‘popular’ menyerang pada usia ini ialah kencing manis, sakit jantung dan darah tinggi.

Perancangan kewangan perubatan ini bukan terhad kepada merawat penyakit sahaja. Hal-hal kecemasan seperti kemalangan juga termasuk dalam perancangan ini. Malang tidak berbau. Jangan tunggu sehingga malang menimpa, baru kita hendak mengambil kad perubatan, insurans, takaful dan sebagainya. Pada masa itu kita sudah benar-benar terlambat. Mulakan dari sekarang sebagai persediaan kita sekiranya perkara tidak diingini berlaku di masa hadapan.

Thursday, July 03, 2008

7 Secrets to Raising a Happy Child

By Marguerite Lamb

What Makes a Child Happy?

We all want the same things for our kids. We want them to grow up to love and be loved, to follow their dreams, to find success. Mostly, though, we want them to be happy. But just how much control do we have over our children's happiness? My son, Jake, now 7, has been a rather somber child since birth, while my 5-year-old, Sophie, is perennially sunny. Jake wakes up grumpy. Always has. Sophie, on the other hand, greets every day with a smile. Evident from infancy, their temperaments come, at least in part, from their genes. But that doesn't mean their ultimate happiness is predetermined, assures Bob Murray, PhD, author of Raising an Optimistic Child: A Proven Plan for Depression-Proofing Young Children -- for Life (McGraw-Hill). "There may be a genetic propensity for depression, but our genes are malleable and can be switched on or off depending on the environment," he says. "The research clearly shows that happy, optimistic children are the product of happy, optimistic homes, regardless of genetic makeup." What can you do to create a home where your child's happiness will flourish? Read on for seven strategies that will strengthen your child's capacity to experience joy.

Foster Connections
The surest way to promote your child's lifelong emotional well-being is to help him feel connected -- to you, other family members, friends, neighbors, daycare providers, even to pets. "A connected childhood is the key to happiness," says Edward Hallowell, MD, child psychiatrist and author of The Childhood Roots of Adult Happiness (Ballantine Books). Dr. Hallowell points as evidence to the National Longitudinal Study of Adolescent Health, involving some 90,000 teens, in which "connectedness" -- a feeling of being loved, understood, wanted, acknowledged -- emerged as by far the biggest protector against emotional distress, suicidal thoughts, and risky behaviors including smoking, drinking, and using drugs.
Fortunately, we can cement our child's primary and most crucial connection -- to us -- simply by offering what Dr. Hallowell calls the crazy love that never quits. "It sounds hokey, and it's often dismissed as a given," he says, "but if a child has just one person who loves him unconditionally, that's the closest thing he'll ever get to an inoculation against misery." It's not enough, however, simply to possess that deep love; your child must feel it, too, Dr. Hallowell says. Hold your baby as much as possible; respond with empathy to his cries; read aloud to him; eat, snuggle, and laugh together.
Meanwhile, provide chances for him to form loving connections with others as well, advises sociologist Christine Carter, PhD, executive director of the University of California at Berkeley's Greater Good Science Center, an organization devoted to the scientific understanding of happiness. "We know from 50 years of research that social connections are an incredibly important, if not the most important, contributor to happiness," Carter says. "And it's not just the quality, but also the quantity of the bonds: the more connections your child makes, the better."
Don't Try to Make Your Child Happy
It sounds counterintuitive, but the best thing you can do for your child's long-term happiness may be to stop trying to keep her happy in the short-term. "If we put our kids in a bubble and grant them their every wish and desire, that is what they grow to expect, but the real world doesn't work that way," says Bonnie Harris, founder of Core Parenting, in Peterborough, New Hampshire, and author of When Your Kids Push Your Buttons: And What You Can Do About It (Grand Central Publishing).
To keep from overcoddling, recognize that you are not responsible for your child's happiness, Harris urges. Parents who feel responsible for their kids' emotions have great difficulty allowing them to experience anger, sadness, or frustration. We swoop in immediately to give them whatever we think will bring a smile or to solve whatever is causing them distress. Unfortunately, Harris warns, children who never learn to deal with negative emotions are in danger of being crushed by them as adolescents and adults.
Once you accept that you can't make your child feel happiness (or any other emotion for that matter), you'll be less inclined to try to "fix" her feelings -- and more likely to step back and allow her to develop the coping skills and resilience she'll need to bounce back from life's inevitable setbacks.
Nurture Your Happiness
While we can't control our children's happiness, we are responsible for our own. And because children absorb everything from us, our moods matter. Happy parents are likely to have happy kids, while children of depressed parents suffer twice the average rate of depression, Murray observes. Consequently, one of the best things you can do for your child's emotional well-being is to attend to yours: carve out time for rest, relaxation, and, perhaps most important, romance. Nurture your relationship with your spouse. "If parents have a really good, committed relationship," Murray says, "the child's happiness often naturally follows."
Praise the Right Stuff
Not surprisingly, studies consistently link self-esteem and happiness. Our children can't have one without the other. It's something we know intuitively, and it turns many of us into overzealous cheerleaders. Our child scribbles and we declare him a Picasso, scores a goal and he's the next Beckham, adds 1 and 2 and he's ready for Mensa. But this sort of "achievement praise" can backfire.
"The danger, if this is the only kind of praise a child hears, is that he'll think he needs to achieve to win your approval," Murray explains. "He'll become afraid that if he doesn't succeed, he'll fall off the pedestal and his parents won't love him anymore." Praising specific traits -- intelligence, prettiness, athleticism -- can also undermine children's confidence later, if they grow up believing they're valued for something that's out of their control and potentially fleeting.
"If you praise your child primarily for being pretty, for example, what happens when she grows old and loses that beauty?" Murray asks. "How many facials will it take for her to feel worthwhile?" Interestingly, Murray adds, research shows that kids who are praised mainly for being bright become intellectually timid, fearing that they will be seen as less smart -- and less valuable -- if they fail.
The antidote, however, is not to withhold praise but rather to redirect it, Murray says. "Praise the effort rather than the result," he advises. "Praise the creativity, the hard work, the persistence, that goes into achieving, more than the achievement itself."
The goal, Carter agrees, is to foster in your child a "growth mind-set," or the belief that people achieve through hard work and practice, more than through innate talent. "Kids who are labeled as having innate talent feel they need to prove themselves again and again," Carter observes. "Whereas studies show kids with a growth mind-set do better and enjoy their activities more because they aren't worried what people will think of them if they fail." Fortunately, Carter says, research has shown it's possible to instill a growth mind-set in children with one simple line of praise: you did really well on X; you must have worked really hard. "So we're not saying don't praise," Carter stresses. "Just focus on something within your child's control."
Allow for Success and Failure
Of course, if you really want to bolster your child's self-esteem, focus less on compliments and more on providing her with ample opportunities to learn new skills. Mastery, not praise, is the real self-esteem builder, Dr. Hallowell says. Fortunately, when it comes to the under-4 crowd, nearly everything they do is a chance to attain mastery -- because it's all new to them: learning to crawl, walk, feed and dress themselves, use the potty, and ride a tricycle. Our challenge is to stand back and let our children do for themselves what they're capable of. "The great mistake good parents make is doing too much for their children," Dr. Hallowell says.
While it can be difficult to watch our kids struggle, they'll never know the thrill of mastery unless we allow them to risk failure. Few skills are perfected on a first try. It's through practice that children achieve mastery. And through repeated experiences of mastery, they develop the can-do attitude that lets them approach future challenges with the zest and optimism that are central to a happy life.
Give Real Responsibilities
"Happiness depends largely on the feeling that what we do matters and is valued by others," Murray observes. "Without that feeling, we fear we might be excluded from the group. And research shows that what human beings fear more than anything is exclusion."
In other words, people have an innate need to be needed. So the more you can convey to your child that he is making a unique contribution to the family, from an early age, the greater his sense of self-worth and his ultimate happiness. Kids as young as 3 can play meaningful family roles, Murray says, whether it's refilling the cat's dry-food bowl or setting out the napkins at dinnertime. If possible, assign a role that plays to your child's strengths. For example, if your little one loves to organize things, give him the job of sorting the forks and spoons. If he's particularly nurturing, perhaps his role could be entertaining his baby sister while you get dinner on the table. So long as you acknowledge that he's making a contribution to the family, it will heighten your child's sense of connection and confidence, two prerequisites for lasting happiness.
More from Parents.com
100 Ways to Keep Little Kids Happy
9 Secrets of Confident Kids
The Hottest Toy Trends of 2008
Let's Play: Classic Games to Play with Your Baby
Hour-by-Hour Guide to Keeping Your Baby Happy
Practice Habitual Gratitude
Finally, happiness studies consistently link feelings of gratitude to emotional well-being. Research at the University of California, Davis, and elsewhere has shown that people who keep daily or weekly gratitude journals feel more optimistic, make more progress toward goals, and feel better about their lives overall. For a child, keeping a journal may be unrealistic. But one way to foster gratitude in children is to ask that each member of the family take time daily -- before or during a meal, for example -- to name aloud something he or she is thankful for, Carter suggests. The important thing is to make it a regular ritual. "This is one habit that will foster all kinds of positive emotions," she assures, "and it really can lead to lasting happiness."
Copyright 2008. Used with permission from the May 2008 issue of American Baby magazine

Wednesday, April 30, 2008

Where do we go, or where do I go?

A bouquet of roses, remind me to my past. I was a person who like to follow people. I am loyal and always try to pick up my word carefully. I even thought of killing myself by stabbing a kitchen knife after being scolded by my mom. All of because I don't want anyone to be annoy by my existence.

When I was young, I started to love books. I was always read my sister text book when I was in Standard 1. Never have my own new book eversince. In my classroom use to have a small cupboard that safekept many children books. Pak matlob is the largest range of book I chose.

Never miss the library schedule. Started to read Enyd Blyton series, A. Samad Ismail novel, A. Samad Said... poetry and such when I was in Standard 3. B. Malaysia subject is my favourite. I wanted to be a writer (sasterawan). When I compose, I'll make sure my composition will be able to win the seniors level.

Anyway, due to some academic reason, which obvoiously did not achieve flying colours anyway, my parent have come and query down my interest away. I started to lost my ability to write. I have very less time to go to library. I started to loaf after school. I have no other hobbies at home. except chatting with friends and seeing peoples surrounding at bus stand. That is my reality novel at that time. I made contact to many of the other school friend as well. Sigh!

I believed that every moment were "hikmah". I'll come back to write more.

Adios!!!!

Friday, April 25, 2008

Knowledge, anyone?!

http://www.dell.com/downloads/global/power/ps1q08-20070484-Singh.pdf

Above link is useful to anyone who want to adapt some knowledge on Dell infrastructure (storage..)

Friday, April 18, 2008

what a termendous waste without updating the blog! here i am again. I am suffering acute lower back pain for half year. Everybody has given me so many advise and assistance. My mom, my dad, my lovely wife, my mother-in-law, my kids trying so hard to see me heal. My mom-in-law giving me precious assistance tht allowing me to carry on with my chiropractic therapy.

Now , after a month walking with my elbow crutches that was bought at maycare for RM51, I am gradually walking straight and painless. Except my left leg still weak and make me MCs for almost 3 weeks.

i am start looking for a new skill: web development using ASP/PHP and mysql. I want to gain the skill right that will enable me to work from home and selling my products all over the country. By now, I am still looking around for someone who are really keen to guide me through.

Oh! I have a month old, Qalleef , born in March 14, this year. Lovely baby, lovely family!

Tuesday, February 05, 2008

Third time!




I've been warded again for the same pain. Wonder what was wrong with me, I'm seeking help from every doctor I could.


Today, Dr. Mahamud , the "bone" specialist from DEMC have assist me to get the MRI diagnostic @ Sunway Medical Centre. We be chauffered by En. Omar on the Estima. Pleasant journey and comfortable, too.Well when arrival, I was laying down and and being churned into a tunnel for aprox. 45 minutes and no movement was allowed.


Getting back to DEMC then. Dr. Mahamud visited me and told that I had a Disc desease. Some sort like injuries on my lumbar vetebrae. (Sourcing out thru google...) http://www.spine-health.com/topics/cd/overview/lumbar/young/degen01.html


For me, it's about aging. It is a bless from Allah. I'll treat this as a friendly reminder. I must tackle my ability to read Al-Quran comprehensively. Learn to take care my Sholat seriously. Become a responsible son. Better caring husband and loving father of Ida, Sara and Qaisy. Of course, for the baby that we are all waiting for.
Further without ado, I must be willing to take charge of how to earn a living, on my own definitely. Can't work under other 's head no more. Wear comfortably and have plenty of time to spend with my family, the one that I love.
Just to add spice, wanna know who on my thought moment I finish written this post?: It 's you fish, wishing you here . Bring me something to eat . Hot & Spicy.
DEMC