Monday, August 23, 2010

Overdraft Bank Untuk Pembiayaan ASB

Semua orang mahu menjadi senang. Lagi mengujakan jika kesenangan dapat mencapai tanpa perlu mengeluarkan modal sendiri atau atas usaha orang lain. Pendek kata, bisnes tanpa modal, tanpa risiko dan sentiasa untung adalah bisnes ideal yang diimpikan oleh pencinta wang. (jika ada).

Untuk mencapai kesenangan secara mudah, tanpa perlu fikir bersusah payah dan tanpa modal, ramai yang "terpedaya" dengan kaedah Overdraft (OD) untuk melabur di dalam ASB. Sudah kerapkali saya mendengar kenalan/kenalan kepada kenalan yang bersungguh-sungguh menggunakan teknik ini dan respon mereka - berjaya menjana keuntungan. Wallahualam.

Status kehalalan/keharaman ASB tidak mahu saya bincangkan di sini, cukuplah dengan perbincangan matang dan panjang lebar dalam website UZAR sebagai rujukan. Persoalannya di sini, bolehkah menggunakan Overdraft Bank yang tidak Islamik untuk pembiayaan ASB? Apabila soalan ini ditanya kepada UZAR:


Soalan: Apa hukum kalau kita convert simpanan ASB kepada sijil dan apply OVERDRAFT Facilities kat mana - mana bank?

UZAR : Hampir semua overdraft facility adalah riba dan haram. Overdarft yang halal ada ditawarkan oleh Maybank islamic dan RHB Islamic Bank setakat pengetahuan saya.

Bagaimana pula jika anda sudah melibatkan diri di dalam urusniaga riba' seperti ini? Adakah jalan keluar untuk melangsaikan pinjaman berasaskan riba' secepat mungkin sebelum malaikatul maut datang menjemput? Ramai yang selama ini tidak sedar bahawa mereka sudah terjebak dengan dosa riba'. Ini kerana nasihat kewangan Islam sebegini tidak dibekalkan oleh kebanyakan ibu bapa (kerana kekurangan ilmu agama) dan kurikulum agama di sekolah juga tidak membantu.

UZAR ada menulis artikel bertajuk "Ingin Kemudahan Wang Secara Halal?" pada Mei 2007. Samada maklumat tentang bank berkenaan masih "valid" atau tidak, saya kurang arif. Namun ini mungkin salah satu daripada Exit Plan Strategy yang boleh diambil mereka yang mahu melepaskan diri dari dosa besar riba'.

Suka saya mahu kongsikan pendapat Tuan Shamsuddin Kadir, penulis 6 buah buku, antaranya "Hidup Tenang Walaupun Berhutang" berhubung masalah OD untuk ASB ini.




Shamsuddin Kadir Apabila kita menerima RM 50 dari seseorang kita tidak dapat bezakan sama ada duit itu adalah duit halal ataupun duit yang dihasilkan melalui sistem Riba. Walau bagaimanapun duit haram itu tetap dapat dilihat secara jelas dan terang bermula kita disemadikan di liang lahad. Berhati-hati dengan perlaburan yang berlandaskan overdraft yang tidak islamik yang disandarkan kepada ASB. Kaya di mata dunia, Muflis di Akhirat.

‘Wahai orang yang beriman, bertakwalah kamu kepada Allah, dan tinggalkanlah saki baki RIBA jika kamu beriman, jika kamu engkar, maka istiharkanlah perang terhadap Allah dan Rasulnya.” Ayat 277 - 278 Al-Baqarah (untuk bacaan sepenuhnya rujuk kepada Terjemahan Al-Quran).

Ini adalah ayat yang menunjukkan dosa yang Tuhan paling marah. Itu kata Imam Maliki. Bulan Ramadhan adalah bulan untuk kita membebaskan dan membersihkan kita dari sisa ataupun saki baki riba yang ada dalam diri kita. Semoga nyawa kita tidak diambil dalam masa kita masih tidak sempat menutup akaun-akaun RIBA.

Iman Hanifa memaklumkan, inilah ayat yang beliau paling takut untuk membacanya, di akhirat nanti, manusia-manusia yang mengambil dan menyokong institusi berlandaskan riba untuk dibunuh seperti mana pengistiharan perang oleh Allah dalam Al-Quran.

Sumber: ShamsuddinKadir.com 16 Ogos 2010
 

Chinese Curriculum Content for Little Reader

Abi, am I allowed to request for this as Nadirah's 2-year-young birthday present? :-D

I'm drooling.

About the Product:

Simplified Chinese Curriculum Content for Little Reader (Semester 1+2)
The Little Reader Chinese Curriculum will help you teach your young child to recognize thousands of Simplified Chinese characters, understand their meanings, and to learn to speak Mandarin.
During the 12-month duration of the course, your child will progress from learning single characters all the way up to complete stories. Using Little Reader's Pattern Phonics™ system, the Chinese Curriculum will also familiarize your child with the pinyin system (Mandarin phonetics), setting the foundations for further learning of Mandarin in the future.
12-month curriculum (5 days a week, once or twice a day)
Over 3,800 Chinese characters and 1,200 pinyin items in over 350 subject Categories (includes some repeated characters or items)
Uses vocabulary and style of Mainland China
Neutral Mainland China pronunciations (female, male and child voices)
7 Chinese font styles (4 common and 3 cursive)
Includes over 3,000 pictures, 6,000 audio files, and 460 videos





Friday, August 20, 2010

Taqwa

Dalam perjalanan pulang ke rumah petang tadi, saya sempat mendengar Daurah @ IKIM.fm.

Seorang pemanggil menelefon ke konti dan bertanyakan soalan kepada Ustaz yang mengendalikan Daurah. Soalannya berbunyi,"Ustaz, bagaimana kita boleh mengenali ciri-ciri orang yang bertaqwa? Adakah kita dapat lihat pada luaran fizikal samada orang itu bertaqwa atau tidak?"

Dalam hati berkata,"Menarik soalan ini."

Ulasa Ustaz agak panjang namun secara ringkasnya berbunyi begini, "Orang yang bertaqwa adalah orang yang sentiasa takut kepada Allah. Jika orang itu mengatakan dirinya bertaqwa, namun pada masa yang sama bersolat lewat, (bukan pada awal waktu) perbuatan itu tidak selari dengan sifat taqwa."

Hati terus berkata,"Astagfirullah. Ampunkan dosa-dosa ku bersolat lewat Ya Allah. Aku masih belum mempunyai ciri-ciri orang bertaqwa."

Ya Allah, mudah-mudahan jadikan Ramadhan ini ruang bagiku untuk membina ketaqwaan kepadaMu. Ampunkan dosa-dosaku Ya Allah. Amin.

Wednesday, August 18, 2010

Teaching Nadirah Mandarin

http://www.one2fit.com

I've started teaching Nadirah Mandarin since last week. Our first topic is "Family." We bought a tool-kit to teach baby mandarin when we were in China last month. It's really helpful because the concept is very much like the latest Quran technology that comes with the magic pen. The only different is, the books are full of pictures so that it can capture the toddler's attention.

I'll take pictures of the kit and put them here soon Insya-Allah. I think I'm enjoying the lesson even more than her. :-) Although the pen speaks mandarin very clearly and fluently, but at times it can be very confusing so I always double check with my mentor@my colleague for the correct pronunciation.

I attended a course about our great brain in Sri Kembangan last month. From there I learnt that when we were born, all the knowledge in the world is already installed in our unconscious brain, including languages. It's a matter of time and how you utilize the knowledge within you and so that you could actually extract the things you already know from your unconscious mind and apply it in our life. So that makes me feel more confident to start something fresh and knew. For example ventures into new hobby, start learning new language. Ageing is now something is the past. Your brain is your future.

So this week, this is what Nadirah learnt these 8 words: (hopefully)

 + daddy + mummy + grandpa + grandma + uncle + aunty + brother + sister +



Looking forward for our next lesson and Insya-Allah I'll update the progress here. 


Science of Learning a Foreign Languages
Learning a foreign language is easier, such as Chinese, when understanding how you learn. The science of learning is based on several theories and include: multiple intelligences, right-brain/left-brain/whole-brain, and brain-based learning. Understanding how you learn new information becomes the keystone to effective study patterns and habits. Many people who attempt to learn a new language give up, primarily because they pick a program that does not fit their learning style. These people unknowingly try to fit their learning style into a program. From MyChineseLesson


Tuesday, August 17, 2010

Nadirah's 4th day at school was her last.

When I took her home that day, her body was "dedar". I still drag her to Kauthsar that night for Tarawikh prayer. She refused to play with her usual friends at the surau and remained intact with Mummy.


We didn't stay for tazkirah after Tarawikh because she was too cranky and Kakak Hasanah couldn't handle her cry anymore. I put her to sleep early and knew that I won't be sending her to school the day after. Ibu Mai came over that night after the tazkirah. She passed to my mom remedy for Nadirah, prepared by Ayah.

Before Azan subuh, Ibu gave me a call.

"Mummy, (she calls me Mummy and I call her Ibu) Nadirah macam mana? Ok ke?"

"Semalam badan dedar sikit, sekarang macam dah ok cuma tinggal batuk."

"Mummy hantar Nadirah rumah Ibulah hari ni. Ibu dah buat istikharah. Dari semalam nak telefon Mummy tapi dah malam sangat. Doalah Allah beri kekuatan pada Ibu. Ini sudah takdir Allah pada Ibu."

"Ok Ibu, hari ni Mummy hantar Nadirah rumah Ibu."

That conversation ended her school days.

Hanya Allah yang Maha Mengetahui.

Doa



Terima kasih Ustaz atas peringatan yang sangat baik.


"Doa Ajaran Ilahi" terbitan PTS Islamika telah saya beli seminggu sebelum Ramadhan. Sangat menarik dan penerangan tentang doa-doa yang dipetik dari Al-Quran sungguh jelas dan sangat memudahkan kita untuk mempraktikkannya. Saiznya kecil dan tidak terlampau tebal, sangat sesuai dibawa ke mana-mana.

Semoga bermanfaat.

Jom pergi UK!


I must admit that I'm so "terkecur" (pinjam perkataan Bert) seeing this. Air-Asia is having the so called
Xtraordinary SALE! to few destinations, travelling from 1 April 2011 - 11 August 2011. Booking period is now till 19 August. Argh. If I have a time machine and can tell whether I'm still alive, sehat, not pregnant, boss approved leave, annual leave still available, enough money to tour Europe etc, I'll definitely grab this one. Huhu.

Ini menunjukkan betapa kerdil dan hinanya kita di sisi Allah. Sedangkan hari esok pun belum tentu ada untuk kita, inikan tahun hadapan. Moga Allah terima amal ibadah di bulan mulia ini, diberi keampunan, dimakhbulkan segala doa dan tercapai segala hajat yang baik. Dimasukkan ke dalam syurga, terlepas daripada seksaan kubur dan api neraka.

Ya Allah Ya Rabb, kepadaMu ku pohon keampunan. Janganlah Engkau masukkan diriku ke dalam golongan yang melampaui batas Ya Allah.

Amin.



Wednesday, August 11, 2010

Mutiara Ramadhan

Selamat Menyambut Ramadhan Al-Mubarak dari Mummy. Abi and Nadirah. Semoga di bulan yang mulia ini ibadah kita diterima, doa-doa dimakhbulkan dan dosa-dosa diampunkan.



Narrated Abu Huraira: I heard Allah's Apostle saying regarding Ramadan, "Whoever prayed at night in it (the month of Ramadan) out of sincere Faith and hoping for a reward from Allah, then all his previous sins will be forgiven." (Sahih Bukhari)

Tuesday, August 10, 2010

Nadirah @ School

This is Nadirah's 2nd week @ School or to be exact, her very 4th day. Last week she went to school for 2 days only  since Mummy was on MC/annual leave.

At first we thought she gonna like going to school very much, making friends and play all day long with little midgets of her age, but then it turned out that she is very much like Mummy when I was first sent to school eon years ago. I hope not. I hope it was just my nightmare.

When I passed her to "Ibu" yesterday, she cried and tried to pull her body away from Ibu and grabbed Mummy. Sungguh drama queen. I just had to leave and listened her crying her tongue out from my car.

Then when I picked her up from school, as always she was frowning and hanging tight to one of the Ibus. When she set her eyes on me, immediately she smiled. Her misery is now all gone.

Nadirah is in the same class with Fahry. Lyna said, when she sent her superkids this morning, Nadirah was melalak again. Ibu said she'll cry every time they open the door. Probably she was hoping that Mummy will show up and nope, that's not my Mummy!

Sabarlah sayang. Mummy and Abi will 'bubble' you every now and then and Insya-Allah going to school will be so much fun if you try to give it a chance, kay!

Monday, August 9, 2010

Knock knock knock..

Knock knock knock..

Am knocking at the Writing Department of My Brain.

I think I want to start writing back.

Welcome home!