Saturday, March 7, 2009

ppl...im back..

i'm back..but dont know for how long.. agaknya org perasan tak aku punya new post ni..hee.. hey u guys.. this things sent alerts or not?..hu hu..


sekarang ni aku di Bintang Side Walk Cafe kat pasaraya Bintang sek 7 depan pintu blakang Uitm ni. ini dia p/word wi-fi dia 0193353077 huhu..so kalau emergency nak online parking je kat tepi2 tu.. password aku dah supply.. hu hu..(kuar tanduk merah)


bulan lepas masuk buletin utama Public Bank punya keuntungan meningkat berapa belas peratus ntah (tak jumpa pula figure dia dlm net ni) terkejut juga sbb dah start falling kan last year..esoknya pula kalau tak silap kat buletin utama juga disiarkan psl maybank punya keuntungan menurun sebanyak berapa peratus ntah ( xrugi ya..cuma untung kurang) ..


Dollar Cost Averaging

td check prestasi akaun2 pelaburan client. client yg dah mula invest masa tgh tinggi dulu value loss ada yg sampai -40% . Tp bg yg ada monthly deduction loss percentage tu reduce disebabkan kita telah membeli dgn harga unit yg sgt murah..dlm separuh harga dulu.

My target is by end of this year all these accounts will breakeven. Dan disebabkan monthly deduction ini akan terus berjalan sampai diorang pencen (ini saving discipline mereka), maka selepas breakeven cost per unit akan terus TURUN until economy recover. Jgn lupa dgn Dividen (dividen rasanya masih rendah tapi kita masih dapat.. kecuali old fund. Suprisingly Public Mutual old funds like Public Ittikal are still giving high div rate tho the value crashed. Why..panjang sgt lah nak explain.. so moral of the story..kita punya fund allocation tu kene diversify ada satu fund yg mature and stable mcm ini..


fund yg muda2 lebih besar potensi utk membesar dgn sihat dan kuat...tp sbb dia baby lagi kan..bangun jatuh bangun jatuh pastu baru kuat kakinya.


tp bagi yg tak buat monthly injection..losses anda masih byk..kalau yg xde lebihan wang utk tambah investment..tunggu je sampai recover..maybe dlm 3 tahun..tp rugilah kan..kalau nak akaun CANTIK ..kenelah add sket2 ms tgh harga rendah ni utk balance kan dia sampai breakeven..


bagi yg baru join masa market dah crash ni.. no worries...simpan je..


tapi jika financial xstable atau xde lansung simpanan emergency...tolonglah jgn invest dulu..sbb kalau recession ni lama susah pula nanti..terpaksa keluarkan masa value rendah..akkak jugak yg susah nanti..


hermmm..SETPOL dah bukan SETPOL bermula mlm ini...( sj utk catatan sejarah)


salam


Izzah 'Auni

7 March 2008









Tuesday, August 5, 2008

my Quds

"Sheikh Soud Abu Mahfuz dari Palestin - pakar sejarah Masjid al Aqsa dan Baitulmaqdis akan bersama anda di kuliah maghrib "BEBASKAN PALESTIN " 4 Aug di surau sek 7 shah alam. Harap hadir dan sebarkan."


Begitulah sms yg sy terima ahad lepas. saya pun tersemangat jihad lah sekejap..send kat kawan2 semua ada lah 50 org kut aku hantar..dgn harapan org akan aware issue Al Quds ni. Tapi hampeh sbb esoknya sy balik keje penat..rasa malas pegi...dan memang tak pegi...

sheikh ni datang ke malaysia atas jemputan Aman Palestin ( bukan Aman Malaysia ya, dont get confused) utk fund raising program and so on..bukan senang nak bawa dia dtg sini...dan bukan senang dia nak dtg sini...


harini bersembang mck yati...menyesal nya sy tak pergi...menyesal tak lawan kepenatan tu...sedihnya..ruginya sbb tak dapat dengar 1st hand information dari sheikh tu..jadi sy tak dapat nak deliver pd org lain fakta2 terbaru dr negara palestin kita...


the bad n sad news is .. dah ada LUBANG di al aqsa / kawasan baitul maqdis tu sy tak pasti...tanahnya dah runtuh...korang dengar tak ni...dah lubang...dah jerlus dah...sbb terowong kat bawah tu...nak bina haikal sulaiman tu ... jarak nya pun dah semakin dekat dari tempat yg haritu diorang bina..menghampiri sedikit demi sedikit. dan dari tanah yg runtuh tu diorang boleh nampak lubang tu dalam...


they believe they will win (the muslims) before year 2020!! masyaallah...its so near..masa tu umur kita 40 lebih kurang... mmg zaman kita lah tu ya sahabat...we r the syabab then...zaman mak ayah kita and pakcik makcik ni masa tu dah tak larat dah..70s...are we prepared...


the new israeli president (siapa ntah tak igt nama) is their ex-president yg standad kejamnya sama dgn ariel sharon. So when pck azhar asked aren't they afraid of him sbb mcm ariel sharon kan.. they said NO..because that means they have no new gud leaders.. no apprentice..tak ada stock ... ketandusan...tu sbb kene pakai leader lama..hehehe...they shows their weaknesses there...the mujahideen look it on the positive side...yeahhh..an optimist always see an opportunity in every difficulty...palestinian byk pengganti, lepas satu-satu syahid..tapi ada je pengganti baru...allahu akbar...


ni nasyid kita yg lama...siapa tahu ini nasyid siapa...beritahulah ya...let sing this together..

al-aqsa

jauh ku melihat sayup pemandangan
hilang senda tawa pilu perasaan
jantungku berdegup semakin kencang
darah ku mengalir bagai air pasang

jauh diseberang pasir sahara
islam ku tertindas sehari-harian
satu bangsa bongkak berjiwa haiwan
semoga turun kutukan Tuhan

al-aqsa..al-aqsa
air mata ku berderai
al-aqsa..al-aqsa
kemulian terburai

duhai al-aqsa ku rindu padamu
duhai al-aqsa ku sayang padamu
engkaulah kiblat ku yg pertama
lambang keagungan islam yg mulia

kali pertama engkau dibebaskan
oleh Salahuddin di zaman yg silam
namun hari ini kau terkurung lagi
siapa pula kan memerdeka kan


--------------------------------------------------end------------------------------------

Saturday, July 26, 2008

Wanita 1: Bunglow bergelap

Rupa-rupanya hutang cukai pintu dan cukai tanah boleh menyebab kan harta kita di SITA.


Seorang wanita membuat panggilan untuk meminta bantuan. Dia seorang ibu tunggal berumur 50 an dan menjaga seorang ibu yg lumpuh berumur 78 tahun. Dia ingin meminta bantuan kewangan disebab kan bebanan hutang cukai yg tinggalkan suami yg meninggal 2 tahun lepas kerana rumahnya bakal disita.


Rupa2nya hutang yg menyebabkan rumahnya nak disita itu ialah hanya kerana cukai pintu dan cukai tanah. Terkejut juga saya. Betullah...inilah dia sebahagian dari hutang2 yg simati tinggalkan yg biasanya kita tak perasan. Hidden liability. Maksudnya bila kita meniggal benda2 ni masih di charge. Biasanya yg kita tahu loan kereta, loan belajar, loan rumah (kene amik MRTA ya puan2 dan tuan2..kalau tak anak terpaksa hidup merempat kerana rumah kene sita) hutang kredit card jgn dilupa...these are all our liability..tak kira semasa atau tetap..haa...income tax pun kene byr jugaklah...lupa pulak...sbb dulu sy igt bila dah meninggal..burn lah kan...tak adenyer burn2..kene bayo semua..

so yg sy nak highlight kat sini ialah rupa2nya rumah dia tu bunglow..dia dah selalu dah bergelap dlm bunglow dia tu sbb letrek kene potong..dengan ibu tua yg lumpuh...nasib baik rumah tu dah habis bayar...di kg tunku tak silap sy..mmg kawasan org aya kan.. time ni kawan semua buat tak nampak beb ...kenalah survive sendiri2...kesian nya..


sebenarnya ramai lg org lg yg teruk .. tapi dia ni mesti seorang yg sgt kaya kan dulu..tp bila suami meninggal jadi macam ni pula kesian makcik ni. biasanya org kaya ni malas nak amik cara bil2 yg kecik2 ni..mcm leceh..boleh byr sekali gus 2, 3 tahun tapi bila jadi macam ni ..ajal dtg tanpa diduga .. kalau terduga pun dah tak terpk dah hutang2 yg mcm ni...

betul jugakkan...rasanya biasanya bila org rs mcm dah nak mati..kita akan minta maaf dan igt2 hutang org yg kita belum byr...tapi hutang2 dgn kerajaan yg semacam inilah yg kita selalu tak perasan...igt kan tak apa ya...rupuanya boleh kene sita...hutang dia tu cuma dlm rm2k je (mungkin dah dpt discount) .. tp mmg dah takde duit..sampai satu masa dia byk kali rasa nak bunuh diri..lihat, kemiskinan membawa kita hampir pd kekufuran....


makcik tu kata dia nak jual bunglow tu..tapi dia tak tahu apa2..sy kata elok lah tu..jual je...sy tanya atas nama siapa pun dia tak tahu!!!...masyaallah..sy tanya takde wasiat ke apa ke..tak settle lg ke..dia kata dia tak tahu.. dah 2 tahun.. teruk nya tahap ketidakpedulian makcik ni pd hal2 kewangan ni masa dia senang dulu. aku mcm tak percaya je..cetek nya ilmu kita...inilah sebahagian masalah wanita..nanti aku nak suh cik ogy buat minggu kesedaran kewangan wanita lah.. Program Gerak Gempur Kewangan Wanita Aggun ..ahahha..

Kalau yg dah miskin tu satu hal dah..perlu dibantu..ini yg tak miskin ni ..kita tak nak bagi jadi miskin...kita kene bagi ilmu dan pengetahuan supaya diorang bantu diri diorang sendiri...okay...kene buat proposal...

'Wanita Selangor Maju 2010'

ahahhaa..ni slogan aku sendiri...jgn tersilap..

Monday, July 21, 2008

Muslim woman from Richmond

I am a new Muslim woman from Richmond, VA. I had never even met Muslims before last year, and had no idea that there was an Islamic center in my own city. However, at that time, I was very interested in Islam, but I could find nothing to read. I read encyclopedias and any books I could get my hands on, but they were all written by non-Muslims. They said that Muhammad (saws) wrote the Qur'an in the 7th centruy, that Muslims worshipped the black stone, and that Islam bred hatred towards women. They also said that Muhammad (saws) copied the Bible, that Islam was spread with the Qur'an in one hand and the sword in the other, and implied (if not stated directly) that all Muslims were Arab. One book even said that the word "Allah" came from al-lot, the moon god of the pagan Arabs. These are just some of the lies I read.


Then, one day, two Pakistani Muslim women (who were also muhajjabas [wearing hijab -ed.]) came to my college. I befriended them, and then I started asking them all kinds of questions. I had already left Christianity when I was 12, so I felt no challenge to my personal beliefs. I was a biology major and had basically no religion. I was amazed at what they told me, and I realized that all of my previous knowledge was lies.


Then, I came home for the summer. I got my own apartment and started working at 7-11. While I was working, a black muhajjaba came in the store. I asked her where she worshipped and when she told me there was an Islamic center on the same street I was working on, I was amazed.


I went the next day, but no one was there. So I went the day after that day (which happened to be Friday) and found some people there. A man told me to come the next week at noon so I could meet some of the ladies. But when he said "noon," he meant "dhuhr," not 12. I didn't know that. So I came at 12 the following week, but no one was there. For some reason, I decided to wait, Subhan-Allah. And wait I did, for an hour and a half (jumaa' [Friday prayer -ed.] is at 2), and finally I meet some people. A lady there gave me a copy of Maurice Bucaille's The Bible, Qur'an, and Science. When I read it, I knew that I wanted to become a Muslim. After all, I was a biology major. I knew that the things in the Qur'an had to be from Allah (swt), and not from an illiterate, uneducated man. So I went the next week and took shahaada [i.e. stated and accepted the creed of Islam -ed.]


When my dad found out, he went crazy. He came to my apartment and tore up everything in it, including my Qur'an. I called the police, and they came out. But they refused to help. They said "Don't you think he's right?" and so on. So I fled to Nashville, TN.


I have continued to talk with my dad, though, because the Qur'an says to honour your parents (it does not distinguish between Kaafir and Muslim parents), and because I remember the story of Umar Ibn Al-Khattab (raa). He hated Islam so much that he used to beat his slave girl until his arm grew tired. Al-Hamdu Lillah, Allah (swt) has rewarded me for my efforts. I saw my father for the first time this summer, in full hijaab. He accepted it without too much commentary. I think he realizes now that he can't bully me into renouncing Islam.


http://macma.org.my

Takaful adalah harta kita

Hari ni sy pergi 'branch' sbb nak wat takaful kenderaan (insuran kereta) ayah sy. Masa naik tingkat atas bahagian life, terdengar staff dpt panggilan. Orang nak buat claim kematian. Innalillahi wainna ilaihi rojiun... ayahnya meninggal.. ada amik education plan utk 4 orang anak. Alhamdulillah.. insyaallah ringan lah sikit beban si ibu nak besar kan anak2 nya. Sebab biasanya dlm setahun dua tu isteri mcm terumbang ambing sket. Lepas tu baru boleh boleh bangkit semula..


Mungkin si ibu yg call atau agent sbb biasanya si isteri mmg dah tak boleh fikir dah. Lembik lutut. Biasanya waktu macam ni agent lagi rapat kepada keluarga simati daripada saudara sendiri...ini yg selalu kawan2 yg ada pengalamn ceritalah. Sebab biasa nya si isteri dah tak nampak orang lain dah.. sebab mcm pada kita je harapan dia waktu tu..


berat ni..jauh kan lah ya Allah..tak sanggup nak tgk muka isteri atau anak2 yg tiba2 yatim...


Sedih tak kalau tiba2 rupanya wang khairat yg diharapkan tu tak dapat sebab polisi tu dah lapse lama..kene jagalah jgn bagi tertunggak. Itu harta kita tu..harta segera. Kita takde sampai rm50,000 cash dlm bank kan. RM10,000 pun entah ada entah tidak..Sekarang dia memang 'illiquid asset'..tapi bila ajal dah sampai harta inilah yg akan mengalir (liquid asset)


Sebalik nya time ni harta simati yg 'liquid' masa hidup tu...semua jadi 'illiquid' sebab semua BEKU...bank akaun semua yg atas nama simati (sy ada dengar yg 'joint account' pun beku jugak..nanti sy periksa)..sbb nak tunggu proses pembahagian harta. Itu pun kalau dah siap hibah dan wasiat cepat lah sikit. Kalau tak lagi lambat dapat. Masuk Amanahraya dulu duitnya. Kene charge lagi tu selagi di bawah jagaan amanahraya. Mestilah kan, deme buat kerja kan..


Jadi time ni boleh guna dulu duit pampasan/khairat kematian tadi..kene faraid juga tp at least dapat cepat. Untuk isteri yg tak bekerja sila ambil PERHATIAN!!


Jangan dilupa juga bila simati meninggal dia akan meninggalkan harta dan HUTANG sekali! takut bila harta yg sikit itu di knock off against hutang..apa je yg tinggal.. --- > ini terkena kat sy sendiri sbb terjumpa agent hibah kat ESQ hari tu..saya kata sy takde harta pun nak kene buat wasiat dan hibah. Tak urgent lah. Dia kata kalau harta takde...hutang mesti ada kan?? .. amik aku kene sebijik.

Hutang pun kalau boleh dihibah kan. Hehehe malang betul siapa yg dipilih dapat wasiat kene bayarkan hutang tue.. takpelah boleh amik dr duit takaful nanti .. debar pulak bila cerita pasal mati nih.


013-3597595