KNOW YOUR LEGAL RIGHTS

Goods sold are not returnable?

A message which was forwarded to me and I would like to share with you.

Right Legal Issue on Contract Law in Malaysia.

This is something I like to share with you from one of my seminar
recently. It was conducted by A/P Catherine Tay on Legal issues in E-commerce. Notice that most of the time, the receipt / invoice you received from the merchant carries this exclusion clause or similarly worded statement:

"Goods sold are not returnable" or "No refund once sold".

The thing that I have learnt from her is that:
"As long as your good is purchased for home use and not for business (i.e. to be resold), the above exclusion clause is VOID.

That means, as long as the good is defective, regardless of what is
worded;

you CAN get back all your money spent ..
You do not have to accept a repair on the good or an exchange. You CAN ask
for a refund.
AND you are LEGALLY right and entitled to!

What a relevation!!

And most of the times the merchant will refuse to return you your money. Her advice?From her own experience ( and no less than 7 and all successful!) , she will threaten the merchant with four words: "SEE YOU IN COURT!"

The court here refers to the Small Claims Tribunal Court.

However, you don't have to tell them what court!
All you have to pay is RM10 admin fee and the loser (the merchant) will
have to refund you the money PLUS the admin fee!

She shared this with us because she felt that even educated people are
cowed by such unfair wording (which includes her jaded friends who are not
lawyers).

Pls try not to let the merchant fleece you the next time you have a defective good.
I know where to file this. On the 16th floor of Putra Place (The Mall opposite Putra World Trade Centre).

The form cost RM5.00.
The Tribunal will settle within 2 months period.

Tribunal Tuntutan Pengguna Malaysia,
Tingkat 16, Putra Place,
100, Jalan Putra,
50622 KUALA LUMPUR
Tel: 03 - 40492300 / 40424181 Fax: 03 - 40424259

60 Kegunaan Garam!!

Although you may not realize it, simple table salt has a great number of uses other than simply seasoning your food. The following list will give you sixty uses of salt, many of which you probably didn't realize:

1. If you drop a whole egg on the floor, pour salt on it. Let it sit for awhile, then use dustpan, the egg will come right up, without all that mess. Contributed by Ms. Jerry McGinnis.
2. Soak stained hankies in salt water before washing.
3. Sprinkle salt on your shelves to keep ants away.
4. Soak fish in salt water before descaling; the scales will come off easier.
5. Put a few grains of rice in your saltshaker for easier pouring.
6. Add salt to green salads to prevent wilting.
7. Test the freshness of eggs in a cup of salt water; fresh eggs sink; bad ones float.
8. Add a little salt to your boiling water when cooking eggs; a cracked egg will stay in its shell this way.
9. A tiny pinch of salt with t up fluffier.
10. Soak wrinkled apples in a mildly salted water solution to perk them up.
11. Rub salt on your pancake griddle and your flapjacks won't stick.
12. Soak toothbrushes in salt water before you first use them; they will last longer.
13. Use salt to clean your discolored coffee pot.
14. Mix salt with turpentine to whiten you bathtub and toilet bowl.
15. Soak your nuts in salt brine overnight and they will crack out of their shells whole. Just tap the end of the shell with a hammer to break it open easily.
16. Boil clothespins in salt water before using them and they will last longer.
17. Clean brass, copper and pewter with past r, thickened with flour.
18. Add a little salt to the water & your cut flowers will stand in for a longer life.
19. Pour a mound of salt on an ink spot on your carpet; let the salt soak up the stain.
20. Clean your iron by rubbing some salt on the damp cloth on the ironing surface.
21. Adding a little salt to the water when cooking foods in a double boiler will make the food cook faster.
22. Use a mixture of salt and lemon juice to clean piano keys.
23. To fill plaster holes in your walls, use equal parts of salt and starch, with just enough water to make stiff putty.
24. Rinse a sore eye with a little salt water.
25. Mildly salted water - Use it hot for sore throat gargle.
26. Dry salt sprinkled on your toothbrush makes a good tooth polisher.
27. Use salt for killing weeds in your lawn.
28. Eliminate excess suds with a sprinkle of salt.
29. A dash of salt in warm milk makes a more relaxing beverage.
30. Before using new glasses, soak them in warm salty water for awhile.
31. A dash of salt enhances the taste of tea.
32. Salt improves the taste of cooking apples.
33. Soak your clothesline in salt water to prevent your clothes from freezing to the line; likewise, use salt in your final rinse to prevent the clothes from freezing.
34. Rub any wicker furniture you may have with salt water to prevent bugs.
35. Freshen sponges by soaking them in salt water.
36. Add raw potatoes to stews and soups that are too salty.
37. Soak enamel pans in salt water overnight and boil salt water in them next day to remove burnt-on stains.
38. Clean your greens in salt water for easier removal of dirt.
39. Gelatin sets more quickly when a dash of salt is added.
40. Fruits put in mildly salted water after peeling will not discolor.
41. Fabric colors hold fast in salty water wash.
42. Milk stays fresh longer when a little salt is added.
43. Use equal parts of salt and soda for brushing your teeth.
44. Sprinkle salt in your oven before scrubbing clean.
45. Soak discolored glasses in salt solution to remove stains.
46. Clean greasy pans with a paper towel and as it.
47. Salty water boils faster when cooking eggs.
48. Add a pinch of salt to whipping cream to make it whip more quickly.
49. Sprinkle salt in milk-scorched pans to remove odor.
50. A dash of salt improves the taste of coffee.
51. Boil mismatched hose in salty water and they will come out matched.
52. Salt and soda will sweeten the odor of your refrigerator.
53. Cover wine-stained fabric with salt; rinse in cool water later.
54. Remove offensive odors from stove with salt and cinnamon.
55. A pinch of salt improves the flavor of cocoa.
56. To remove grease stains in clothing, mix one part salt and another part alcohol.
57. Salt and lemon juice removes mildew.
58. Sprinkle salt between sidewalk bricks where you don't want grass growing.
59. Polish your old kerosene lamp with salt for a brighter look. Remove odors from sink drainpipes with a strong, hot solution of salt water.
60. If a pie bubbles over in your oven, put a handful of salt on top of the spilled juice. The mess won't smell and will bake into a dry light crust which will wipe off easily when

Contributions or Collections That Matters??

We are so busy with our daily lives that we always take things for granted around us. When one day THE day comes where we are to part from this world and continue into the next world, do people mourn for our passing or is it just another event in the day where people come give respect and after that totally forget about us?! It is true that what is matters is actually what we give others in this life may they be the dear and close to our hearts or strangers that in need of help.

RED MARBLES

I was at the corner grocery store buying some early
potatoes. I noticed a small boy, delicate of bone and feature,
ragged but clean, hungrily apprising a basket of freshly picked green peas.


I paid for my potatoes but was also drawn to the
display of fresh green peas. I am a pushover for creamed peas and new
potatoes. Pondering the peas, I couldn't help overhearing the
conversation between Mr. Miller (the store owner)
and the ragged boy next to me.
"Hello Barry, how are you today?",
"H'lo, Mr. Miller. Fine, thank ya. Jus' admirin'
them peas. They sure look good."
"They are good, Barry. How's your Ma?"
"Fine. Gittin' stronger alla' time."
"Good. Anything I can help you with?"
"No, Sir. Jus' admirin' them peas."

"Would you like me to get you a bag of those peas?"
"No, Sir. Got nuthin' to pay for 'em with."
"Well, what have you to trade me for some of those
peas?"

"All I got's my prize marble here."
"Is that right? Let me see it" said Miller.
"Here 'tis. She's a dandy."
"I can see that. Hmmmmm, only thing is this one is
blue and I sort of go for red marbles. Do you think you have a red
one at home?" he asked.
"Not zackley but almost."
"Tell you what. Take this sack of peas home with you
and next trip this way let me look at that red marble", Mr. Miller
told the boy. "Sure will. Thanks Mr. Miller."

Mrs. Miller, who had been standing nearby, came over
to help me. With a smile she said, "There are two other boys
like him in our community, all three are in very poor circumstances. Jim
just
loves to bargain with them for peas, apples, tomatoes, or whatever. When
they come back with their red marbles, and they always do, he decides he
doesn't like red after all and he sends them home with a bag of produce for
a
green marble or an orange one, when they come on their next trip to the
store."

I left the store smiling to myself, impressed with
this man. A short time later I moved to Colorado, but I never
forgot the story of this man, the boys, and their bartering for marbles.

I recently had occasion to visit some old friends in
that Idaho community and while I was there, learned that Mr.
Miller had died. They were having his visitation that evening and knowing my
friends wanted to go, I agreed to accompany them. Upon arrival at the
mortuary we fell into line to meet the relatives of the deceased and to
offer
whatever words of comfort we could.

Ahead of us in line were three young men. One was in
an army uniform and the other two wore nice haircuts, dark
suits and white shirts...all very professional looking. They approached Mrs.

Miller, standing composed beside her husbands casket.

Each of the young men hugged her, kissed her on the
cheek, spoke briefly with her and then moved on to the casket.
Her misty light blue eyes followed them as, one by
one, each young man stopped briefly and placed his own warm hand
over the cold pale hand in the casket. Each left the mortuary awkwardly,
wiping his eyes.

Our turn came to meet Mrs. Miller. I told her who I
was and reminded her of the story from those many years ago
and what she had told me about her husband's bartering for marbles.

With her eyes glistening, she took my hand and led
me to the casket. "Those three young men who just left were
the boys I told you about.

They just told me how they appreciated the things
Jim "traded" them.

Now, at last, when Jim could not change his mind
about color or size....they came to pay their debt."

"We've never had a great deal of the wealth of this
world," she confided, "but right now, Jim would consider himself
the richest man in Idaho." With loving gentleness she lifted the
lifeless fingers of her deceased husband. Resting underneath were three
exquisitely shined red marbles.

The Moral : We will not be remembered by our words,
but by our kind deeds.

Life is not measured by the breaths we take, but by
the moments that take our breath.

Today I wish you a day of ordinary miracles ~

An unexpected phone call from an old friend.

Green stoplights on your way to work.

The fastest line at the grocery store.

A good sing-along song on the radio.

Your keys found right where you left them.
Send this to the people you'll never forget. I just
did...

If you don't send it to anyone, it means you are in
way too much of a
hurry to even notice the ordinary miracles when they
occur.
IT'S NOT WHAT YOU GATHER, BUT WHAT YOU SCATTER

THAT TELLS WHAT KIND OF LIFE YOU HAVE LIVED!

The Obstacle In Our Path

Someone emailed me this story and how true it is in our lives. How many of us who actually able to see from the positive angle when stumbled by an obstacle? When we face challenges in life more often than not we will be to busy complaining about how difficult life is, how God has ditched us, etc. We fail to see the opportunities that actually lie ahead and take advantage of it.

The Obstacle in Our Path

In ancient times, a king had a boulder placed on a roadway. Then he hid himself and watched to see if anyone would remove the huge rock.

Some of the king's wealthiest merchants and courtiers came by and simply walked around it.

Many loudly blamed the king for not keeping the roads clear, but none did anything about getting the big stone out of the way.

Then a peasant came along carrying a load of vegetables. On approaching the boulder, the peasant laid down his burden and tried to move the stone to the side of the road.

After much pushing and straining, he finally succeeded.

As the peasant picked up his load of vegetables, he noticed a purse lying in the road where the boulder had been. The purse contained many gold coins and a note from the king indicating that the gold was for the person who removed the boulder from the roadway.

The peasant learned what many others never understand.

Every obstacle presents an opportunity to improve one's condition.

Author unknown

Daddy/Mummy, How Was I Born?

I'm sure all parents will face this important question yet the society deem as taboo. When the time comes how would u answer it? Perhaps this may give u an idea ...

A little boy goes to his father and asks "Daddy, how was I born?"

The father answers: "Well son, I guess one day you will need to find out anyway!

Your Mom and I first got together in a chat room on Yahoo.

Then I set up a date via e-mail with your Mom and we met at a cyber-cafe.

We sneaked into a secluded room, where your mother agreed to a download from my hard drive.

As soon as I was ready to upload, we discovered that neither one of us had used a firewall, and since it was too late to hit the delete button, nine months later a little Pop-Up appeared that said: 'You got Male!'

Choc Chip Cookies

Ermmm ... dari semalam anak dok bising nak makan choc chip cookies so kejap tadi bukaklah fridge dan almari ... bahan2 sumer ade, so, wallaa!! Inilah dia Choc Chip Cookies saya ... resepinya seperti ini yea ... cuba tau jangan tak cuba.

Bahan2:
2 cawan tepung gandum 1 camt esen vanilla
1/2 camt soda bicarbonate 1 biji telur + 1 biji kuning telur aje
1/2 camt garam 1 cawan choc chips
3/4 cawan butter/marjerin 1 cawan walnut
1 cawan gula perang

Cara2:
1. Panaskan oven ke 160C.
2. Ayak tepung, soda bikarbonat dan garam, ketepikan.
3. Dalam mangkuk, pukulkan gula dan marjerin hingga kembang, tambahkan esen vanilla dan telur tadi. Pukul hingga 'creamy'.
4. Masukkan tepung sedikit2, choc chips dan walnut.
5. Gunakan sudu letak sedikt campuran tadi diatas dulang pembakar dan bakar selama 15-20 min.

Bagaimana Hilangkan Sifat Marah

Ada seorang kawan forward kan article ini yang saya kira agak menarik mengenai sifat marah .... jom kita baca dan sama2 muhasabah diri agar menjadi orang yang lebih baik.

sandwich ;))

"Sifat pemarah itu berasal daripada sifat sombong (ego). Lagi besar ego seseorang lagi besar marahnya. Ini berkaitan pula dengan kedudukan seseorang. Kalau tinggi kedudukan seseorang, besar pangkatnya, banyak hartanya, ramai pengikutnya, maka akan tinggilah ego seseorang dan akan menjadi-jadilah pemarahnya. Sebaliknya jikalau kurang segalanya, maka akan kuranglah egonya dan akan kurang jugalah pemarahnya.

Sifat pemarah ini ada pada hampir semua orang seperti juga hasad dengki. Kenapa kita mesti marah ? Telah berkata Mujahid di dalam sebuah bait syair : "Takdir Allah telah putus dan putusan Allah telah terjadi. Istirehatkan hati dari kata-kata "Barangkali" dan "Kalau". Setiap kelemahan dan kesilapan manusia adalah ujian untuk kita. Allah mahu melihat bagaimana sabarnya kita dan malunya kita kepada Allah dengan mengucapkan " Inna lillahi wainna lillahi raji'un.".

Pernah ditanya Ahnaf bin Qais, bagaimana dia boleh mengekalkan sifatnya yang lemah lembut itu. Ahnaf menjawab : " Aku belajar dengan Qais bin Asim iaitu pada satu hari sedang berehat-rehat, masuk hambanya membawa panggang besi yang berisi daging panggang yang masih panas. Belum sempatdaging itu diletakkan dihadapan Qias, tanpa sengaja besi pemanggang yang panas itu jatuh terkena anak kecil Qais.Menjerit-jeritlah si anak, kesakitan dan kepanasan sehingga meninggal dunia. Qais yang melihat peristiwa itu dengan tenang berkata kepada hambanya yang sedang pucat dan menunggu hukuman " Aku bukan sahaja tidak marah kepada kamu tetapi muali hari ini aku akan membebaskan kamu." Begitulah sopan santunnya dan pemaafnya Qais bin Asim" Kata Ahnaf mengakhiri ceritanya.

Bukannya Qais tidak menyayangi anaknya tetapi Qais memandang segala kejadian itu adalah dari Allah. Jikalau dia bertindak memarahi hambanya, maka hakikatnya dia memarahi Allah. Dia redha dengan ujian yang ditimpakan kepadanya. Tidak ada di dalam kamus hidupnya perkataan kalau atau barangkali. Hatinya tidak terasa dia " tuan" kerana apa yang ada padanya dirasakan amanah dari Allah. Yang bila sampai ketikanya Allah akan ambil kembali.Kita mesti ubati hati kita. Kita kita mesti membuangkan rasa rasa "ketuanan" kita yang menyebabkan kita menjadi pemarah dengan melakukan mujahadatun nafsi.

Di antara langkah yang perlu kita hadapi untuk menghilangkan marah ialah :
a) Mula-mula kita perlu malu dengan Allah s.w.t akan segala tindak-tanduk kita. Allah memerhatikan segala perlakuan dan sikap biadab kita.
b) Bila datang rasa hendak marah, ingatlah kita ini hanyalah manusia yang hina.
c) Banyakkan berdiam diri dan berdoa kepada Allah agar Allah selamatkan kita daripada sifat marah.
d) Hendaklah ingat kesan daripada sifat marah itu mungkin akan membawa kepada permusuhan dan pembalasan dendam dari orang yang anda marahi.
e) Cuba bayangkan betapa buruknya rupa kita ketika kita sedang marah. Ianya lebih buruk daripada perlakuan seekor binatang jikalau anda di dalam keadaan yang marah.
f) Apabila datang marah, banyakkan baca Ta'awwuz ( A'uzubillahi minas Syaitanirrajim ) kerana marah itu datangnya daripada syaitan.
g) Apabila marah sedang memuncak, ambil wudhu keranawudhu dapat menenangkan api kemarahan yang sedang membara.
h) Jikalau tidak boleh hilang marah dengan hal tersebut di atas, hendaklah tidur. Kerana ianya akan meredakan perasaan marah apabila bangkit daripada tiduri)

Tauhid kita perlu tepat. Setiap sesuatu itu datangnya dari Allah dan akan kembali kepada Allah. Kenapa kita perlu marah.Kalau kita bersalah, kita tidak suka orang memarahi kita. Maka begitulah orang lain yang melakukan kesilapan, juga tidak suka dimarahi. Tegurlah dengan lemah lembut dan kasih sayang.

Do You Have Enough Money?!

With people living longer, marrying and having children later and not saving enough, facing retirement is a challenge. While there is growing awareness about the need to plan, less than 5% are prepared for retirement and fail to take into consideration inflation rates and rising medical costs.

In 1981, when Azman graduated, he got a job in KL which paid him RM1,800 a month. He bought an imported Mazda at RM17,000 and months later he put down money on a RM78,000 single-storey terrace house. Today, 25 years later, Azman's daughter has just finished university. Her starting pay is RM1,800, just like her father's two and a half decades ago. But unlike her father's time, imported cars cost over RM100,000 today. So Latifah has opted to buy a Proton for RM45,000 (more than double what her dad paid for his first car). While her father could afford to buy a house early in his career, Latifah can't. Houses in KL these days cost at least RM200,000, so she has to work for a few years first before she can own one. Compared to 25 years ago, the prices of goods, food, petrol and electricity have all gone up. Understandably, it's an uphill task for Latifah to save on her RM1,800 salary, since the purchasing power of her salary is much lower than her father's back in the 1980s.

It is a fact that wages have not moved in tandem with the rise of the cost of living and inflation. That trend is expected to continue. And if people do not start planning early for their retirement, they are going to find themselves in a spot after they turn 55. Today, three meals cost you RM20 but in 20 years time – with an inflation rate of 6% a year – you will need RM64 per day for the three meals, estimates financial consultant Hazel Ong Archibald of CIMB Wealth Advisors. The government puts inflation rate at 3.2% to 4.8% but Ong says in urban areas, that figure is about 6%. So while the RM500,000 in your EPF or bank account at retirement might look good on paper, she says, if you do not invest that money to make it grow at a rate higher than the inflation rate, 20 years later, it would be worth only RM145,053 in purchasing power!

While there is more awareness about retirement planning these days, particularly in the urban areas, in reality this does not often translate into preparedness. Why? “Because it is more pleasurable to spend than to save,” opines Ong. People understand – at head level – the need to plan and save, she says, but at heart level, emotions rule and instant gratification wins the battle. “I wanted to persuade a friend to save for the future but she kept saying she had no money but then later I saw she could sign up RM3,000 and RM5,000 for some slimming packages!”

Reality hits when people find that they cannot afford to retire because they had not seriously put aside the money early on in life. “Less than 5% are prepared for retirement,” estimates Life Insurance Association of Malaysia (LIAM) president Ng Lian Lau. He says those in their 20s think they are too young to think about retirement, while those in their 30s and 40s tend to believe they are doing enough because they have their EPF savings, and those who are 55 feel it is just too late for them. And the truth is at 55, most people cannot afford to retire. “People are living longer, life expectancy for women is 76 years. For men it's 72. With this kind of longevity, people have got more than 20 years after retirement. 60 would be a more ideal retirement age,” he says. People are marrying later too, points out Ong. Which means they are having children later in life. If a person has a kid at the age of 35 and retires at 55, the odds are that his child at 20 would probably still be at university or college and his education require financing. On average, the Malaysian household spent 5.7% on education last year. With the cost of education rising by 6% each year, this is expected to climb steadily. While parents might buy an education insurance plan for their children, Ong has found that 90% of the time the amount is insufficient. More often than not, parents are willing to give up “everything”, including their own retirement fund for the kids. Which leaves them in a vulnerable position in their old age, unless of course their children provide for them.

As for life insurance, only 40% of Malaysians are covered. Ng says this is a small number compared to 100% in Singapore, 80% in the United States and 400% in Japan (where one person has four policies on average). And even if one has a life policy as well as savings from the EPF, people should still worry about retirement. This is because without a new source of income, that money would run out. This is especially so if one runs into health problems which is common when people grow older. “Medical inflation is easily 15% each year. And this could really eat into the savings,” warns Prudential Assurance Malaysia Bhd CEO Tan Kar Hor. Tan likens the medical bill as a “hole” which if not plugged would leak away one's entire retirement and savings. “It's only a question of how the big the hole is,” he says. So parliamentary secretary to the Finance Ministry Datuk Seri Dr Hilmi Yahaya's announcement on Thursday that amendments to the Employees Provident Fund Act would allow contributors to withdraw money to buy insurance for critical illness for themselves and their family is welcome news. The amendment Bill was passed in Dewan Negara that same day.

So how much would one need for retirement? Experts say this depends on the individual and his lifestyle. And how much he is willing to reduce consumption – to eat out less often, buy fewer things, live in a smaller house, drive less, drive a smaller car and travel less. The rule of the thumb, says Ng, is managing on 60% of your last drawn pay. For Ong, it's 70% of one's current lifestyle. If a family in Kuala Lumpur with two kids and two cars needs RM5,000 today, at retirement, expenses should go down to RM3,500. Even based on this calculation, one would need RM747,000 if one were to live for 25 years after retirement, and RM806,200 for the next 30 years, factoring in the inflation and interest rates. Going by statistics revealed in EPF's 2005 annual report, about 90% of EPF contributors have less than RM100,000 in their accounts. So sole dependence on one's EPF savings as a safety net is not good enough.

Assuming that one can live on RM1,000 a month, to survive for 25 years, one would still need a substantial RM300,000 and for 35 years, RM420,000. Bank Negara's Counselling and Debt Management Agency (AKPK) CEO Mohamed Akwal Sultan reckons a person should not start purchasing big assets like property or a house late in life as the danger is that once they have retired they may not be able to meet the instalment payment on it. “When you are in your late 40s, you should be winding down and not committing to high expenses to buy big things,” he says. AKPK has dealt with a number of cases where retirees have had banks auction off their houses because they could not meet the monthly loan payment. There is also the problem of credit card temptation. Ng notes a worrying trend that more and more younger people are becoming bankrupt as they are spending “tomorrow's money”. Which basically means these people are not saving or building their retirement nest.

Ideally, Ong says, people should start saving from the time of conception; that way would be able to enjoy the magic of the compounding effect. Prudential's Tan says a noticeable trend is that while the younger generation is prepared to invest in new financial instruments, the older generation gravitates towards fixed deposits. “That is very risky because you would not be able to accumulate enough because the interest rates can't meet the inflationary rate and your money is getting smaller,” he says.

He believes given the current life span, it would do retirees good to be more aggressive in their investment. “In investing, you should not be looking at the date of retirement but rather the date of potential death which is probably still another 21 years away after retirement,” he says. He recommends that people only keep about six months of their monthly expenses in the savings and FDs and put the rest in investment products that generate more income than the inflation rate.

Ng believes a good private pension would help people in their retirement years. In developed countries, money put into savings for retirement is not taxable, neither is the profit from that investment. “When you retire, you can't take the money out in a lump sum either or you'd have to pay tax on it. This will force you to withdraw your money on a regular monthly basis for retirement because that's tax free,” he adds. Singapore has such a scheme, the voluntary Supplementary Retirement Scheme, which complements the Central Provident Fund (CPF). Such a scheme has not taken off in Malaysia for a number of reasons, says Ng. It would be a loss of revenue to the Government because people would not be paying taxes on money put aside for retirement. It would benefit only the rich and middle income group as the poor might not be able to afford it, he adds. “Perhaps it hasn't taken off too because the Malaysian economy is pretty dependent on consumer spending. And the Government wants you to spend,” he adds.

Ng says there should also be an asset liquidation law in the country. It is puzzling that there are all sorts of incentives for asset accumulation, he says, but none for liquidation. An example of asset liquidation would be to reverse mortgage your house to the bank in return for a guaranteed monthly income until you die. The asset would at the end of the day belong to the bank or insurance company. But in the meantime, the person has the right to continue to live in the house until death and get a monthly income too. “If they outlive the value of the house, the bank loses,” he says. As our population ages and life expectancy increases, more thought must be given by both individuals and the Government on how to develop a culture of planning and saving for one's retirement.

How to Make Money From Investing in the Malaysian Stock Market?

CFA Malaysia (written bv Teoh Kok Lin, CFA, Founder and Managing Director of Singular Asset Management)

“You cannot make money investing in Malaysia’s stock market!” – This seems to be the perception of many Malaysians. There are many who believe that Malaysia’s stock market is speculative and that it is for speculators only; in order to make money from the stock market, you have to speculate, to adopt a “hit, take profit and run” strategy.

How does this perception arise? The truth is, some Malaysian investors, like investors in many countries, generally love to speculate. If I may refresh your memory, during the peak of the internet stock boom in the year 2000, there were thousands of full time day-traders in the US trading (or perhaps more correctly-speculating) in NASDAQ stocks. Not surprisingly, many of these day-traders eventually end up in tears with empty bank accounts. Does this make the US stock market a lesser place for investing? Certainly not!

Speculation. It is simply human nature that investors love stocks that promise huge investment returns, and hopefully it comes through in the shortest possible time. This natural bias perhaps has influenced the mindset of some Malaysian investors (and non- investors alike) to form the perception that the Malaysian stock market is speculative, risky and for speculators only.

Some speculation by a minority group of people certainly does not mean that one cannot make money investing in Malaysian stocks. By investing, we mean investors should base their decision to buy or sell shares on the fundamentals and valuation of these shares.

A great example is Warren Buffet, the second richest man (and the greatest investor!) in the world with an estimated US$ 36 billion in personal wealth that was accumulated from “value” investing based principally on his great ability to assess the fundamentals and valuation of stocks.

Equity investment historically and globally has been the best asset class for investing, the same applies to investing in Malaysia; ask around, you will find many investors who made excellent investment returns over the past five to ten years, investing in stocks such as IOI Corporation, Public Bank, Digi, Maybank, UMW, etc. An RM1,000 investment in IOI Corporation in 1990 is now worth approximately RM25,024, this is an investment return in excess of 22% per annum!
You may argue that perhaps one can only make money from these large market capitalization “blue chip” companies, and there are very few of these companies listed on Bursa Malaysia. In fact, the lack of large market capitalization stocks is one of the key complaints of foreign fund managers. These foreign investors, given the enormous size of their funds, generally prefer to invest in companies with big market capitalization that usually trade actively in the stock market.

However, for individual investors who are less constrained by the size of the companies, there are even more choices. In fact, our research tells us that many smaller sized companies have performed much, much better. Those who invested early in smaller companies such as Lion Diversified Industries, Top Glove, Pos Holdings and Kossan Rubber are certainly very happy with the large gains that they have made (3 years cumulative returns ranging from 230 % to 478 %!).

Over the past few months, we have met quite a number of investors who have been successful in multiplying their wealth through investing in Malaysia’s stock market. Here are just 3 things that they have in common. Firstly, these investors have been investing in the stock market for many years; there were some not so good years but over time they have generally done well investing in stocks. Secondly, they tend to invest based on fundamentals and avoid speculation. Thirdly, some of them actually say that it is not hard to find good investable stocks if you are willing to work at it. In fact, you may even find great investable stocks amongst MESDAQ companies.

MESDAQ companies such as Green Packet and Jobstreet, for example, have attracted serious foreign fund managers. Fidelity Investment, one of the largest US-based fund management companies, owns about 4.9% of Green Packet. Armor Capital Management owns about 5.9 % of Jobstreet. Share prices of Green Packet and Jobstreet are up about 600 % and 270 % respectively over the past two years.

There is also a perception is that there are very few successful MESDAQ companies and that most of the MESDAQ companies have not performed well in term of both financial results and share prices. Investors need to understand that MESDAQ was created for smaller companies to raise funds to expand their business and these companies generally do not have long-term business track record in a fast changing technology environment, therefore their business risks are higher. They are mostly in the fast growth stage– either they make it really big or not at all. Investors in these companies should be aware of these higher risks as they look for high return.
In summary, it is important to distinguish between speculating and investing. Quite a number of investors have made good money investing in Malaysian stocks. Many Malaysian stocks have performed extremely well. Which ones are these stocks? What makes these stocks successful? What can we learn from the success of these stocks?

Through the series of articles by CFA Malaysia over the next few weeks, it is hoped that investors like you will find that there are indeed investment opportunities in the Malaysian stock market.

3 Malaysians in Top 10 Asian progressives

Excerpts from an article ... (3 Malaysians in Top 10 Asian progressives - By MichaelBackman-WORLD BUSINESS May2007)

Who are the modernisers and reformers steering the region towards good business practice, transparency and management excellence?
'Other publications list Asia 's most influential, or its most powerful or richest, but World Business is more forward-looking than that. We have spotlighted the individuals driving Asia forward - those that are helping to bring about rules-based civil societies, or who are advancing the cause of better governance, be it in business or government'.
-WORLD BUSINESS-

1. HU JINTAO, CHINA
2. RAJA PETRA KAMARUDIN , MALAYSIAThough more robust than that of Singapore , Malaysia 's media is nonetheless tame. All significant media outlets are sympathetic to the government, there is little investigative journalism and discussion of many issues is discouraged. The newspapers focus endlessly on crime and lifestyle issues, and Malaysians tend to buy them for their job ads and to find out what's showing at the cinema. Increasingly, the serious reporting and commentary is done by bloggers, of which Raja Petra Kamarudin's www.malaysia-today.net is the best.Petra , a nephew of a former king of Malaysia , founded Malaysia-today in 2004 and works on it full time. The site now gets an astonishing 1.8 million hits on an average day, making it much more popular than any Malaysian newspaper. Malaysia-today plays an enormously important role in its attempts to keep the government accountable. It reports on ministers' many business interests, nepotism and just about anything else that the government would prefer to keep quiet. Petra uses the site to denounce money politics, corruption and Malaysia 's endless fascination with race and race-based politics. A popular, ongoing series is the Khairy Chronicles, which provides an account of the doings of the prime minister's young, unelected, but highly influential son-in-law.Many reports have been made against Petra to the police, agents from Malaysia 's Special Branch have questioned him on several occasions and his computers have been seized. Recently, he reported how the government intended to use a nominee company to borrow $50 billion, in order to avoid recording the loan as government borrowing. He has also reported on a particularly grisly murder that appeared to implicate senior government figures.
3. LOU JIWEI, CHINA
4. NARAYANA MURTHY, INDIA
5. NGUYEN TAN DUNG, VIETNAM
6. MUHAMMAD YUNUS, BANGLADESH

7. MAHATHIR MOHAMAD, MALAYSIAMahathir Mohamad, Malaysia 's prime minister from 1981 to 2003, was perhaps Asia 's most misunderstood leader. Mahathir had plenty of critics, but the country's impressive development under his stewardship is undeniable. Also undeniable is his popularity among Malaysia 's minority ethnic groups, particularly the Chinese, who comprise about 30% of the population. Mahathir managed to persuade different ethnic groups to think of themselves as Malaysians, despite economic and education policies that favoured the majority Malay population at the expense of the commercially successful Chinese minority.These policies helped to break the nexus between great wealth and (Chinese) ethnicity, thus making the Chinese less of a target politically in the event of unrest. Mahathir also kept a lid on Islamic fundamentalism, showing not just Malaysia but much of the Islamic world that economic progress and Islam can go hand in hand. Under Mahathir, the media and the judiciary lacked independence, but Malaysians enjoy far more political freedoms than the citizens of neighbouring Singapore .Mahathir resigned as prime minister while still popular and at a time of his choosing. In retirement, he has emerged as a loud critic of the new administration, bringing to Malaysia a level of public debate that few would have thought possible. His regular interventions on policy issues have almost given Malaysia the strong opposition voice that it has not previously had.He has attacked the government for not doing enough to tackle the widespread corruption, and has criticised the concessions given to foreign firms that invest in an economic zone in southern Malaysia . Even out of office, Mahathir continues to modernise his country.

8. LI KA SHING, HONG KONG
9. JAIME AUGUSTO ZOBEL DE AYALA , PHILIPPINES

10. SYED MOKHTAR AL -BUKHARY, MALAYSIASyed Mokhtar Al-Bukhary has built himself up from almost nothing to be one of Malaysia 's richest men. He has developed port facilities and an airport in southern Malaysia , as well as amassing interests in property, hotels, power stations, rubber plantations, banking, retailing and construction. His companies are run by professional managers throughout, rather than family members.He dislikes publicity and is remarkable by Malaysian corporate standards in not using his shareholders' money to buy a corporate jet, a helicopter or a fleet of Mercedes-Benz. He has no interest in personal aggrandisement. Instead, his great passion is his charitable foundation, the Al-Bukhary Foundation, into which he has poured millions to build mosques, schools and hospitals. The foundation has also built, stocked and runs the Islamic Art Museum in Kuala Lumpur, a world-class institution that puts Malaysia's National Museum to shame. A modern Muslim, he does not believe that women should cover their heads or faces and feels that Islam should return to what it was once known for: commerce and the arts.In late 2006, his MMC Corporation, together with a local partner, won an extraordinary $30 billion infrastructure deal in Saudi Arabia to develop a new industrial and commercial city. It's a huge undertaking for any company, let alone a Malaysian one, and it represents how Al-Bukhary likes to do business. He is a strong promoter of Muslim cross-border investment and trading ties, in the same way that other commercial ethnic groups trade across borders.Al-Bukhary is a breath of fresh air for corporate Malaysia and an inspiration to Muslims everywhere.

Are You Drinking The Right Tea?

Stumbled on this write up quite some time ago ... I think it is important for us to get out and exercise as it can flush out toxins from our body ... but hey! with hectic KL city life not to mention the traffic jam 24/7 perhaps we can consider this as one of the ways ....

1. People who use their "brain" to work or students who study hard day and night.--- should drink more chrysanthemum Tea.
2. People who need a lot of body energy to work or those people that do a lot of exercise everyday.--- should drink Wu Loong Tea.
3. People who travel on a bike or work in dirty and polluted places.--- should drink Green Tea.
4. For people who likes to sit down all day long and not doing anything even exercising--- must drink Green Tea and Flower Tea.
5. People who smoke and drink a lot of alcoholic drinks.--- should drink more Green Tea.
6. Carnnivore ( those people who must eat meat at least once a day, or feel sick or notfeeling well)--- try to drink some Wu Loong Tea.
7. People who go to the washroom too often or too less.--- should drink more Honey Tea
8. People with high cholesterol and high blood pressure.--- Wu Loong Tea, Green Tea.
9. Those who work with computers everyday need to drink a Lot of Tea (any tea will do). Whenever you are working with the computer, you should make some tea, drink it when you are free. Drinking Tea is healthy, it can protect and prevent the harmful Ultraviolet light from harming us (when using computer). Furthermore, it can also cure us when we are tired and help making our body feel fresh again.

Who Is Warren Buffet?

Got this from a friend through email ... an interesting read!

There was a one hour interview on CNBC with Warren Buffet, the second richest man who has donated $31 billion to charity. Here are some very interesting aspects of his life:
1) He bought his first share at age 11 and he now regrets that hestarted too late!
2) He bought a small farm at age 14 with savings from delivering newspapers.
3) He still lives in the same small 3 bedroom house in mid-town Omaha,that he bought after he got married 50 years ago. He says thathe has everything he needs in that house. His house does not have a wall or a fence.
4) He drives his own car everywhere and does not have a driver or security people around him.
5) He never travels by private jet, although he owns the world's largest private jet company.
6) His company, Berkshire Hathaway, owns 63 companies. He writes only one letter each year to the CEOs of these companies,giving them goals for the year. He never holds meetings or calls them on a regular basis.
7) He has given his CEO's only two rules. Rule number 1: do not lose any of your shareholder' s money.Rule number 2: Do not forget rule number 1.
8) He does not socialize with the high society crowd. His past time after he gets home is to make himself some pop corn and watch television.
9) Bill Gates, the world's richest man met him for the first time only 5 years ago. Bill Gates did not think he had anything in common with Warren Buffet. So he had scheduled his meeting only for half hour. But when Gates met him, the meeting lasted for ten hours and Bill Gates became a devotee of Warren Buffet.
10) Warren Buffet does not carry a cell phone, nor has a computer on his desk.
11) His advice to young people: Stay away from credit cards and invest in yourself.

Amazing individual indeed ...

People Come Into Your Life For a Reason, Season or a Lifetime

People come into your life for a reason, a season or a lifetime. When you know which one it is, you will know what to do for that person.

When someone is in your life for a REASON, it is usually to meet a need you have expressed. They have come to assist you through a difficulty, to provide you with guidance and support, to aid you physically, emotionally or spiritually. They may seem like a godsend and they are. They are there for the reason you need them to be. Then, without any wrongdoing on your part or at an inconvenient time, this person will say or do something to bring the relationship to an end. Sometimes they die. Sometimes they walk away. Sometimes they act up and force you to take a stand. What we must realize is that our need has been met, our desire fulfill their work is done! The prayer you sent up has been answered and now it is time to move on.

Some people come into your life for a SEASON, because your turn has come to share, grow or learn. They bring you an experience of peace or make you laugh. They may teach you something you have never done. They usually give you an unbelievable amount of joy. Believe it, it is real. But only for a season.!

LIFETIME relationships teach you lifetime lessons, things you must build upon in order to have a solid emotional foundation. Your job is to accept the lesson, love the person and put what you have learned to use in all other relationships and areas of your life. It is said that love is blind but friendship is clairvoyant!

Thank you for being a part of my life,whether you were a reason, a season or a lifetime.

Vicks Vaporub ... works everytime?!

It works 100% of the time although the scientists at the Canada Research council who discovered it aren't sure why. To stop nighttime coughing in a child (or adult as we found out personally), put Vicks Vaporub generously on the bottom of the feet at bedtime then cover with socks.

Even persistent, heavy, deep coughing will stop in about 5 minutes and stay stopped for many, many hours of relief. Works 100% of the time and is more effective in children than even very strong prescriptions cough medicines. In addition it is extremely soothing and comforting and they will sleep soundly. I heard the head of the Canada Research Council describe these findings on behalf of their scientists when they were investigating the effectiveness and usage of prescription cough medicines in children as compared to alternative therapies like accupressure.

I Just happened to tune in A.M. Radio and picked up this guy talking about why cough medicines in kids often do more harm than good due to the chemical makeup of these strong drugs so, I listened. It was a surprising finding and found to be more effective than prescribed medicines for children at bedtime, and in addition, it has a soothing and calming effect on sick children who then went on to sleep soundly .

Lolly tried it on herself when she had a very deep constant and persistent cough a few weeks ago and it worked 100%! She said that it felt like a warm blanket had enveloped her. Her coughing stopped in a few minutes and believe me, this was a deep,( incredibly annoying!) every few seconds uncontrollable cough, and she slept cough free for hours at night that she used it. So, if you have children, pass it on, if you end up sick, try it yourself and you will be absolutely amazed by the effect.

FAMILY

Do you know what is family ?
Do you really understand what is behind the word family?
It gives me a shock when I know the answer.

So long I never realize I don't know the real Meaning of family..........
Here Is The Answer .......... FAMILY =
(F)ather (A)nd (M)other (I) (L)ove (Y)ou

WHY does a man want to have a WIFE? Because:
(W)ashing (I)roning (F)ood (E)ntertainment

WHY does a woman want to have a HUSBAND? because:
(H)ousing (U)nderstanding (S)haring (B)uying (A)nd (N)ever (D)emanding

Do you know that a simple "HELLO" can be a sweet one? Especially from your love one. (I mean not only from the boyfriend/girlfriend). The word HELLO means :
(H)ow are you? (E)verything all right? (L)ike to hear from you (L)ove to see you soon! (O)bviously, I miss you ..

The DASH

I read of a man who stood to speak
At the funeral of a friend
He referred to the dates on her tombstone
From the beginning...to the end

He noted that first came her date of birth
And spoke the following date with tears,
But he said what mattered most of all
Was the dash between those years(1934-1998)

For that dash represents all the time
That she spent alive on earth...
And now only those who loved her
Know what that little line is worth.

For it matters not, how much we own;
The cars...The house...The cash,
What matters is how we live and love
And how we spend our dash

So think about this long and hard...
Are there things you'd like to change?
For you never know how much time is left,
That can still be rearranged

If we could just slow down enough
To consider what's true and real,
And always try to understand.
The way other people feel.

And be less quick to anger,
And show appreciation more
And love the people in our lives
Like we never loved before.

If we treat each other with respect,
And more often wear a smile...
Remembering that this special dash
Might only last a little while.

So, when your eulogy's being read
With your life's actions to rehash...
Would you be proud of the things they say
About how you spent your dash?

~©Linda Ellis~

Cabaran Untuk Bergerak Ke Hadapan (Monkey Test)

Kita selalu mendengar bermacam pantang-larang, tetapi adakah kita ketahui apa hikmah disebaliknya? Pada saya setiap pantang larang itu perlu kita selami hikmah disebaliknya, jika tiada mendatangkan apa2 kebaikan apa kata kita tinggalkan sahaja. Bukannya apa masyarakat kita adalah masyarakat 'follower' yang seringkali mengikut atau membuat sesuatu perkara membuta tuli. Bila kita tanya kenapa buat begini atau begitu, jawapannya mudah, "mak saya buat begini" atau "nenek saya kata jangan begini atau begitu"!! Hemm ... sedarkah kita seringkali perkara yang kita buat itu tak mendatangkan faedah.

Dalam kehidupan masyarakat atau keluarga, anggota yang baru dibentuk oleh anggota yang sedia ada. Ini adalah punca kenapa kita sering kali membuat perkara2 yang tiada faedah dan mungkin sampai waktunya kita sedar perkara ini dan mula mendengar apa yang diperkatakan oleh anak-anak kita. Jangan kita sekat idea dan pendapat mereka semata2 pandangan mereka berbeza dengan kita. Mereka mungkin nampak dari perspektif yang berbeza dan cadangan mereka mungkin konstruktif untuk kita bergerak lebih maju ke hadapan!

Bacalah Monkey Test di bawah ini, dan cuba fikir2 kan:

Monkey Test

Put five monkeys in a cage. Put a ladder in the cage with a bunch of bananas at the top. As soon as one monkey starts to climb the ladder, spray cold water on all the monkeys. When another tries to climb, spray cold water on all the monkeys again. Soon, no monkey will attempt to climb the ladder.

Now, remove one monkey and put a new monkey in the cage. The new monkey will see the bananas and try to climb the ladder. Not wanting to be sprayed with cold water again, the other monkeys will quickly pull him down.

Remove a second monkey and put a new monkey in the cage. Again, the new monkey will see the bananas and try to climb the ladder. Not wanting to be sprayed with cold water, the other monkeys will quickly pull him down.

Repeat this process, until all five original monkeys are gone, and five new monkeys are in the cage. None will try to climb the ladder, and none will understand why.

Now, remove all five monkeys and put a brand new monkey in the cage. The monkey will quickly climb the ladder and eat the bananas. Don’t spray any cold water.

Put the five original monkeys back in the cage with the one brand new monkey who has tasted the delicious bananas. Replenish the bananas.

The brand new monkey will again climb up the ladder. Despite the efforts of the older monkeys to hold him down, the brand new monkey has tasted the bananas; he will strive again until he succeeds.

When he succeeds, the other five monkeys will realize that bananas are worth the climb, and worth the risk of some cold water. They, too, will climb the ladder and enjoy the delicious bananas.

Moral of the story?
- Fresh perspective is important to continue growth and success.
- A little cold water can destroy a lot of motivation.
- New member tends to take on the behavioral characteristics of the existing members.
- Trying something new can yield delicious rewards.

(Source: Up Your Service! by Ron Kaufman)

LOVE IS A MYSTERY

Love … it's a kind of feeling that most of us can't really control. Sometimes it just happens when you least expected it to happen.

What Is Love?
It is a mystery why we fall in love.It is a mystery how it happens.It is a mystery when it comes.
It is a mystery why some love growsand it is a mystery why some love fails.You can analyze this mystery andlook for reasons and causes,but you will never do anymorethan take the life out of the experience.

Sometimes, hopefully at least once in your life -the gift of love will come to you in full flower,and you will take hold of itand celebrate it in all inexpressible beauty.
This is the dream we all share.More often, it will come and take hold of you,celebrate you for a brief moment, then move on.

When people fall out of love,they want answers where there are no answers.They want to know what is wrongin them that makes the other person nolonger love them, or they try to get their lover to change,thinking that if some small things were different,love would bloom again.

They blame their circumstancesand say that if they go far away and starta new life together, their love will grow.They try anything to give meaning to what has happened.

If you find yourself in love with someonewho does not love you, be gentle with yourself.There is nothing wrong with you.Love just didn't choose to rest inthe other person's heart.

If you find someone else in lovewith you and you don't love him,feel honored that love came and called at your door,but gently refuse the gift you cannot return.Do not take advantage; do not cause pain.

How you deal with love is how you deal with you,and all our hearts feel the same pains and joys,even if our lives and ways are different.

If you fall in love with another,and he falls in love with you,and then love chooses to leave,do not try to reclaim it or to assess blame.Let it go …..

There is a reason and there is a meaning.You will know in time.

Remember that you don't choose love.Love chooses you.

The secret of love is that it is a gift,and that it can be made to grow only by giving it away.

Love always has been and always will be a mystery.

Be glad that it came to live for a moment in your life.

If you keep your heart open, it will come again!

THE LIGHT SIDE OF LIFE

In life, there are so many critics around especially when u don't ask for it. But not even half of them are constructive rather they come from jealous souls of your achievement so far!! I would say so long as u remember who u are and keep on focussing on your goals ... to hell with them!!! Read the story below and u would understand what I mean ... ;))

The Priest, the Donkey, the Nun & the Bishop...

The priest entered his donkey in a race and it won. The priest was so pleased with the donkey that he entered in another race and it won again.
The local paper read: PRIEST'S ASS OUT FRONT.

The Bishop was so upset with this kind of publicity that he ordered the priest not to enter the donkey in any more races.
The next day the local paper headline read: BISHOP SCRATCHES THE PRIEST'S ASS.

This was too much for the Bishop, so he ordered the priest to get rid of the donkey.
The priest decided to give it to a nun in a nearby convent.
The local paper, hearing of the news, posted the following headline: NUN HAS THE BEST ASS IN TOWN.

The Bishop fainted. He informed the nun that she would have to get rid of the donkey so she sold it to a farmer for $10.
The next day the headlines read: NUN SELLS HER ASS FOR $10.

This was too much for the Bishop, so he ordered the nun to buy back the donkey and lead it to the high plains where it could run free.
The next day the headlines read: NUN ANNOUNCES HER ASS IS WILD AND FREE.

Alas ... The Bishop was buried the next day.
MORAL OF THE STORY?
Being concerned about public opinion can bring you much grief and misery and even shorten your life. So, be yourself and enjoy life. Stop worrying about everyone else's ass and you'll live longer.

THE 90/10 PRINCIPLE (TIPS TO CONTROL SITUATION)

I received this in my mail box sent by a friend long time ago ... it so happens that in that week I was really stressed up which lead from one thing to another. Do have a read of the article below and stop and think if this article rings true in our lives!!

Author: Stephen Covey
Discover the 90/10 Principle.

It will change your life (at least the way you reactto situations).What is this principle?10% of life is made up of what happens to you.90% of life is decided by how you react.What does this mean?We really have no control over 10% of what happens tous - We cannot stop the car from breaking down. Theplane will be late arriving, which throws our wholeschedule off. A driver may cut us off in traffic.We have no control over this 10%.

The other 90% is different.You determine the other 90%.How? By your reaction!You cannot control a red light. but you can controlyour reaction. Don't let people fool you; YOU cancontrol how you react.Let's use an example:You are eating breakfast with your family. Yourdaughter knocks over a cup of coffee onto yourbusiness shirt. You have no control over what just happened.

What happens next will be determined by how you react. You curse. You harshly scold your daughter for knocking the cupover. She breaks down in tears. After scolding her, you turn to your spouse and criticize her for placing the cup too close to the edge of the table. A shortverbal battle follows. You storm upstairs and changeyour shirt. Back downstairs, you find your daughterhas been too busy crying to finish breakfast and get ready for school. She misses the bus. Your spouse must leave immediately for work. You rushto the car and drive your daughter to school. Because you are late, you drive 40 miles an hour in a 30 mphspeed limit.After a 15-minute delay and throwing $60 traffic fineaway, you arrive at school. Your daughter runs into the building without saying goodbye. After arriving atthe office 20 minutes late, you find you forgot your briefcase. Your day has started terrible. As it continues, it seems to get worse and worse.

You lookforward to coming home.When you arrive home, you find small wedge in your relationship with your spouse and daughter.Why?Because of how you reacted in the morning.Why did you have a bad day?A) Did the coffee cause it?B) Did your daughter cause it?C) Did the policeman cause it?D) Did you cause it?The answer is “D".You had no control over what happened with the coffee.

How you reacted in those 5 seconds is what caused yourbad day.Here is what could have and should have happened.Coffee splashes over you. Your daughter is about tocry. You gently say, "Its ok honey, you just need tobe more careful next time". Grabbing a towel you rushupstairs. After grabbing a new shirt and yourbriefcase, you come back down in time to look through the window and see your child getting on the bus. She turns and waves. You arrive 5 minutes early and cheerfully greet the staff. Your boss comments on how good the day you are having.Notice the difference? Two different scenarios. Both started the same. Both ended different. Why? Because of how you REACTED.

You really do not have any control over 10% of what happens. The other 90% was determined by your reaction.Here are some ways to apply the 90/10 principle. If someone says something negative about you, don't be asponge. Let the attack roll off like water on glass.You don't have to let the negative comment affect you! React properly and it will not ruin your day. A wrong reaction could result in losing a friend, being fired, getting stressed out etc.

How do you react if someone cuts you off in traffic? Do you lose your temper? Pound on the steering wheel?A friend of mine had the steering wheel fall off) Do you curse? Does your blood pressure skyrocket? Do you try and bump them?WHO CARES if you arrive ten seconds later at work? Why let the cars ruin your drive?

Remember the 90/10 principle, and do not worry about it.You are told you lost your job.Why lose sleep and get irritated? It will work out. Use your worrying energy and time into finding another job.The plane is late; it is going to mangle your schedulefor the day. Why take out our frustration on the flight attendant? She has no control over what is going on.Use your time to study, get to know the other passenger. Why get stressed out? It will just make things worse.

Now you know the 90-10 principle. Apply it and you will be amazed at the results. You will lose nothing if you try it. The 90-10 principle is incredible. Very few know and apply this principle. The result? Millions of people are suffering from undeserved stress, trials, problems and heartache. We all misunderstand and apply the 90/10 principle.It CAN change your life!!!

Brain is No Ticket To Bucks

Read the article below and what do you think about it?? So mothers out there (I'm included) do not worry if your kids do not get staright As in their exams!!!

- Mark Henderson, April 26, 2007

A GREAT mind does not always make for a great bank balance, according to research that suggests the richest people are no cleverer than the rest of us. Scientists in the US have found that while average incomes tend to increase with IQ scores, intelligence has little to do with absolute wealth.

A high IQ also offers no protection against falling into heavy debt or other kinds of financial mismanagement. The very brightest are more likely to have money problems than those who are slightly above average intelligence.

The findings, from a team at Ohio State University, could reflect that many of the biggest fortunes are not amassed through steady accumulation of high salaries, but by means that are not influenced heavily by academic intelligence.

Most of the richest people in Australia are not salaried, but have amassed their fortunes as entrepreneurs or by inheritance. The research, led by Jay Zagorsky, has not yet examined in detail why IQ seems to be linked to income but not to wealth, though early indications suggest that differences in saving may be part of the answer.

"People don't become rich just because they are smart," Dr Zagorsky said. "Your IQ has really no relationship to your wealth. And being very smart does not protect you from getting into financial difficulty."

In the study, published in the journal Intelligence, Dr Zagorsky examined 7403 Americans who had been interviewed repeatedly since 1979. They were asked if they had ever reached their credit card limit, been declared bankrupt or missed paying bills for financial reasons. IQ was linked to income, with each extra IQ point worth between $US202 ($244) and> $US616 a year.

The average annual income difference between a person with a normal IQ, of 100, and a person in the top 2 per cent, with an IQ of 130, was between $US6000 and $US18,500. *The Times* http://theaustralian.news.com.au/story/0,20867,21622675-2702,00.html?from=public_rss

A Day at the Zoo

We started our outing at 10.30 in the morning last school holidays. By the time we enter the zoo (after buying tickets and all) it was already almost 11.00 o'clock. Faiz, Farhana & Rushaidi are all eager to look at tigers, giraffes and gorillas!!! (don't know why gorillas of all the animals - must be Disney's movie Tarzan influenced Farhana).

My hubby and me thot that it would be wise to got onto the tramp available at the gate entrance to have overview of the zoo first. But not even halfway when we got to the Flamingos' area my Farhana was all too excited to look at tigers, crocodile and foremost the GORILLA (oh yeah ... not again!!) Whining for us to get off the tramp so we can have a close up view of the animals. NO sorry dear that's what their 'abah' told them, be patient.

Here we were watching the Bird, Seal and Orang Utan shows. It was entertaining and very cute performance by the animals. However, because it was 11.00 o'clock (almost noon) the weather was kind of hot and too sunny!! Nevertheless, the kids and even the 'Bibik' had fun watching the cute performance by the animals and their trainers!!

Here we go, at the far back is a crocodile resting. See Rushaidi is all excited to see the croc!! Luckily it was not in action like eating an ayam or anything ... otherwise this boy will be even more excited!! I suppose he is more excited than Faiz or Farhana because it was his 1st time visiting the zoo and actually looking at the animals live. Normally, he sees these wild animals only on Disney or Discovery Channels.

We ended our visit at 2.00 pm, after roughly spending three hours looking at the animals (or is it the other way round...;)). By that time, the kids were all begging to go home coz too tired already. It was a fun outing to go to the zoo. Overall, Zoo Negara looks much better now compared to years ago during the last time I visited them. Not much of litters lying around but one thing for sure the visitors are all generous lot coz they feed whatever food they eat to the animals despite of the warning not to. Maybe Malaysians need to be educated that such generous act is actually harmful to the animals as they can get sick. Perhaps the Zoo Negara can also commercialize it by selling animal food in small packets near the respective cages. The end will be a win-win situation - visitors get to feed the animals, animals not only get to eat their proper food but also won't get stomach pain out of it.

Jadikan Anak Pintar Dengan Izin Allah

Ibubapa adalah antara faktor terbesar dalam menentukan halatuju anak2. berikut ada beberapa tips dari Robert D. Ramsey yang boleh kita jadikan panduan dalam menjadikan anak2 kita antara yang outstanding berbanding rakan sebayanya..selamat mencuba!

1. Mulakanlah hidup anak anda dengan nama panggilan yang baik . - bila anak kita dipanggil dengan nama yang tak baik, atau nama dah baik tapi bagi pulak gelaran yang tak baik, itu akan menyebabkan anak jadi malu dan rendah diri. Saya ingat lagi kat sekolah dulu org panggil saya mak enon. Malu sangat... rasa mcm tanak gi sekolah pun ade. Apatah pulak kalau yang memanggil nama tak elok tu mak bapak sendri. Lagi la malu kan? Dalam Islam pun sangat digalakkan kita bg nama yang baik untuk anak2.

2. Berikan anak anda pelukkan setiap hari - ada kajian yang menunjukkan anak yang dipeluk setiap hari akan mempunyai kekuatan IQ yg lebih kuat daripada anak yang jarang dipeluk. Bila kita peluk dia setiap hari esp seorg mak, anak kita tau yang kita sayangkan dia. Dia akan tau kita akan jadi penyokong dia paling kuat. Dia akan sedar bahawa kita sentiasa ada jika dia kurang berjaya. Emosi dia akan terbela.

3. Pandanglah anak anda dengan pandangan kasih sayang - pandangan ini akan membuatkan anak anda lebih yakin diri apabila berhadapan dengan persekitaran. Memang la ada masa kita perlu marah tapi jgnla buat muka marah sampai kawan tu takut nak dekat dgn kita langsung. Kesian kat budak. Namanya pun budak...

4. Berikan peneguhan setiap kali anak anda berbuat kebaikan - Berilah pujian, pelukkan, ciuman, hadiah ataupun sekurang-kurangnya senyuman untuk setiap kebaikan yang dilakukannya. Bila tiap kali kita appreciate dia, dia akan rasa nak buat lagi dan nak buat lebih baik lagi. Ini la namanya motivasi...

5. Janganlah mengharapkan anak anda yang belum matang itumelakukan sesuatu perbuatan baik secara berterusan - mereka hanyakanak-kanak yang sedang berkembang. Perkembangan mereka buatkan mereka ingin mengalami setiap perkara termasuklah berbuat silap. Sebenarnya mereka akan belajar lebih banyak lagi dari kesilapan yang mereka lakukan.

6. Apabila anda berhadapan dengan masalah kerja dan keluarga, pilihlah keluarga - Bila ada masalah eloklah kita selesaikan masalah keluarga yang terdahulu. Kerana, seseorang tu akan lebih tenang kalau takde masalah keluarga. Anak2 perlu diberi keutamaan kerana mereka sedang membesar dan proses ini akan terus berlalu dan tak akan kembali jadi jgnlah cemarkan keperibadian mereka dengan sikap mementingkan diri kita.

7. Di dalam membesarkan dan mendidik anak-anak, janganlah tuan/puan mengeluh - Keluhan akan membuatkan anak-anak merasakan diri mereka beban. Ini akan menyebabkan mereka menjauhi kita. Kalau kita tak mau sunyi di hari tua, jgnlah sunyikan mereka pada usia muda mereka.

8. Dengarlah cerita anak anda, cerita itu tak akan dapat anda dengari lagi pada masa akan datang. Tunggu giliran anda untuk bercakap. Ini akan mengajar anak anda tentang giliran untuk bercakap. Seronok sebenarnya layan bebudak bercakap. Adik saya pun dalam kategori budak lagi, kalau sesekali layan dia cakap rasa mcm kelakar. Saya penah jumpa dgn kawan anak saya umur baru tiga thn tapi mulut boleh tahan, rasa mcm tak logic je tapi seronok. Ala, mcm aznil Tanya budak tu, Tiger Wood berasal dari mana, pastu budak tu jawab Zoo... untuk kita sendiri, ini adalah satu hiburan yang takleh dibeli di tempat lain.

9. Tenangkan anak anda setiap kali mereka memerlukannya - ada masa2nya mereka akan gundah gulana. Ada masa mungkin diorg berselisih dgn kawan. Ada masa mungkin dia dah tercederakan jiran. Jadi, kita bantulah sedaya kita supaya mereka tidak rasa sendirian dalam menyelesaikan masalah yang bagi kita kecik tapi tu mungkin masalah mega bg diorg.

10. Tunjukkan kepada anak anda bagaimana cara untuk menenangkan diri . Mereka akan menirunya. Jgn kita sendiri kelam kabut bila ada yang menimpa. Jgn kita tunjuk yang kita gelabah. Be cool!! Setiap masalah yang telah Tuhan takdirkan pada kita ada penyelesaiannya. Jadi, jgn gabra2.

11. Buatkan sedikit persediaan untuk anak-anak menyambut harijadinya .Sediakanlah hadiah harijadi yang unik walaupun harganya murah. Keunikan akan membuatkan anak anda belajar menghargai. Anak2 yg dtg daripada persekitaran yang menghargai akan belajar menghargai orang lain.

12. Mereka mungkin memerlukan kita mengajar mereka lebih daripada sekali - ade setgh budak kene byk kali ajar, baru dia faham. Mcm anmum punya iklan tu..Wardina tunjuk byk kali baru anak dia faham. Anak saya sendiri dalam satu hari ntah berapa kali dia tunjuk kat mata dia suruh saya sebut eye, tunjuk kat telinga suruh sebut ear. Jgn marah sbb kalau marah nnt terbantut la proses pembelajaran dia.

13. Luangkanlah masa bersama anak anda diluar rumah, peganglah tangan anak-anak apabila anda berjalan dengan mereka . Mereka tentu akan merasa kepentingan kehadiran mereka dalam kehidupan anda suami isteri. Bila saya baca ni, rasanya tak salah la saya selalu pimpin tangan anak2 even dalam rumah pun. Bila nak ajak dia bangun je, saya hulur tangan. Even nak kedapur pun untuk bancuh susu diorg. Kalau kat luar mmg lah sah2 pegang sbb saya jenis serabut perut takut anak terlari tgh jalan ke.

14. Dengarlah mimpi ngeri anak-anak anda. Mimpi ngeri mereka adalah begitu real dalam dunia mereka - jadilah pendengar setia mereka. Kalau pasangan kita mimpi pun apa salahnya kita dengar. Best hape dengar cerita dari mimpi. Mcm drama tapi takde skrip, takde director, dan takde siaran ulang tayang.

15. Hargailah permainan kesayangan anak anda. Mereka juga dalam masa yang sama akan menghargai barang-barang kesayangan anda. Elakkan daripada membuang barang kesayangan mereka walaupun sudah rosak. Mintalah kebenaran mereka sebelum berbuat demikian.

16. Janganlah membiarkan anak-anak anda tidur tanpa ciuman selamat malam - biasakan ajar dia salam kita sebelum lena. Cium dahi diorg esp mak nya..mcm cerita omputeh kan selalu dia gi bilik tidur anak n selimutkan diorg.

17. Terimalah yang kadangkala anda bukanlah ibubapa yang sempurna . Ini akan mengurangkan stress menjadi ibu bapa. Ada masa anak kata papa ni garangla.. tu sbnrnya dia menegur so, ubahla. Jgn jadi too perfectionist pada anak2. nnt mereka rendah diri.

18. Jangan selalu membawa bebanan kerja pejabat ke rumah. Anak-anak akan belajar bahawa kerja pejabat selalunya lebih penting daripada keluarga. Dan mereka juga akan terasa kurang kasih sayang bila kita mengadap benda lain. Kalau anak2 dah sekolah, biasakan tolong mereka siapkan kerja rumah, atau kita sendiri bg latihan dan perati setiap hari peralihan dia belajar dari satu topik ke topik. Bantu dia belajar lebih dari yg cikgu dia ajar.

19. Anak menangis untuk melegakan keresahan mereka tetapi kadangkala cuma untuk sound effect sahaja. Bagaimanapun dengarilah mereka, dua puluh tahun dari sekarang anda pula yang akan menangis apabila rumah mula terasa sunyi. Anak-anak anda mula sibuk mendengar tangisan anak mereka sendiri. Hoo..seram. tapi ada betulnya. Buatlah sesuatu supaya mereka tak menjauh dari kita. Semoga kita tidak sunyi dihari tua kita.

20. Anak-anak juga mempunyai perasaan seperti anda. hargailah perasaan mereka supaya mereka juga menghargai dan memahami perasaan kitaSama2 la kita berdoa agar anak2 menjadi penyejuk mata dalam kehidupan kita dan sebagai penenang hati didunia dan akhirat kelak. Salaaamm!! "wahai tuhan ku tak layak kesyurgamu ...namun tak pula aku sanggupkeNerakamu.. ..kami lah hamba yang mengharap belas darimu ..."ya allah jadikan lah kami hamba2 mu yang bertaqwa..ampunkan dosa2 kami .kedua ibubapa kami .dosa semua umat2 islam yang masih hidup mahupun yang telah meninggaldunia"

Hak Isteri yg Harus Dipenuhi Suami

HAK ISTERI YANG HARUS DIPENUHI SUAMI: Mengajarnya Ilmu Agama

Oleh: Al-Ustadz Yazid bin Abdul Qadir Jawas.

MENGAJARKAN ILMU AGAMA Di antara hak seorang isteri yang harus dipenuhi suaminya adalah memberikan pendidikan dan pengajaran di dalam perkara agama. Dengan memahami dan mengamalkan agamanya, seseorang akan mendapatkan kebahagiaan di dunia dan di akhirat. Allah ‘Azza wa Jalla berfirman. "Ertinya : Wahai orang-orang yang beriman! Peliharalah dirimu dan keluargamu dari api neraka yang bahan bakarnya adalah manusia dan batu; penjaganya Malaikat-malaikat yang kasar dan keras, yang tidak derhaka kepada Allah terhadap apa yang Dia perintahkan kepada mereka dan mereka selalu mengerjakan apa yang diperintahkan.” (At-Tahrim : 6)

Menjaga keluarga daripada api neraka mengandungi maksud menasihati mereka agar taat, bertaqwa kepada Allah ‘Azza wa Jalla dan mentauhidkan- Nya serta menjauhkan diri daripada syirik, mengajarkan kepada mereka tentang syari’at Islam, dan tentang adab-adabnya. Para Shahabat ra dan mufassirin menjelaskan tentang tafsir ayat tersebut sebagai berikut:
1. ‘Ali bin Abi Thalib radhiyallaahu ‘anhu berkata, “Ajarkanlah agama kepada keluarga kalian, dan ajarkan pula adab-adab Islam.”
2. Qatadah rahimahullaah berkata, “Suruhlah keluarga kalian untuk taat kepada Allah! Cegah mereka daripada berbuat maksiat! Hendaklah mereka melaksanakan perintah Allah dan bantulah mereka! Apabila kalian melihat mereka berbuat maksiaat, maka cegah dan laranglah mereka!”
3. Ibnu Jarir ath-Thabari rahimahullaah berkata: “Ajarkan keluarga kalian untuk taat kepada Allah ‘Azza wa Jalla yang (hal itu) dapat menyelamatkan diri mereka daripada api Neraka.”
4. Imam asy-Syaukani mengutip perkataan Ibnu Jarir: “Wajib atas kita untuk mengajarkan anak-anak kita Dienul Islam (agama Islam), serta mengajarkan kebaikan dan adab-adab Islam.”

Oleh kerana itu, menjadi kewajipan bagi seorang suami untuk membekali dirinya dengan thalabul ‘ilmi (menuntut ilmu syar’i) dengan menghadiri majlis-majlis ilmu yang mengajarkan Al-Qur'an dan As-Sunnah sesuai dengan kefahaman Salafush Shalih -generasi yang terbaik, yang mendapat jaminan dari Allah-, sehingga dengan bekalan tersebut dia mampu mengajarkannya kepada isteri dan keluarganya. Jika dia tidak sanggup untuk mengajarkannya, hendaklah seorang suami mengajak isteri dan anaknya untuk bersama-sama hadir di dalam majlis ilmu yang mengajarkan Islam berdasarkan Al-Qur'an dan As-Sunnah menurut kefahaman Salafush Shalih, mendengarkan apa yang disampaikan, memahami dan mengamalkannya di dalam kehidupan seharian.

Dengan hadirnya suami dan isteri di dalam majlis ilmu, ia akan menjadikan mereka sekeluarga dapat memahami Islam dengan benar, beribadah dengan ikhlas mengharapkan wajah Allah ‘Azza wa Jalla semata serta sentiasa meneladani Rasulullah shallallaahu ‘alaihi wa sallam. Insya Allah, hal ini akan memberikan manfaat dan berkah yang sangat banyak kerana suami mahupun isteri saling memahami hak dan kewajipannya sebagai hamba Allah. Dalam kehidupan yang serba materialistik seperti sekarang ini, ramai suami yang melalaikan diri dan keluarganya.

Berdalih mencari nafkah untuk menyara keluarganya, seraya dia mengabaikan kewajipan yang lainnya. Seolah-olah dia merasakan bahawa kewajipannya cukup hanya dengan memberikan nafkah berupa harta, kemudian nafkah batinnya, sedangkan pendidikan agama yang merupakan hal paling pokok tidak pernah dipedulikan. Seringkali si suami jarang berkumpul dengan keluarganya untuk menunaikan ibadah bersama-sama. Si suami pergi ke pejabat pada pagi hari selepas Shubuh dan kembali ke rumahnya larut malam.

Pola hidup seperti ini adalah pola hidup yang tidak baik. Tidak pernah atau jarang sekali dia membaca Al-Qur’an, kurang sekali memerhatikan isteri dan anaknya shalat, dan tidak memerhatikan pendidikan agama mereka sehari-hari.

Bahkan pendidikan anaknya dia letakkan kepercayaan sepenuhnya kepada pendidikan di sekolah, dan berbangga dengan sekolah-sekolah yang memungut yuran sangat mahal kerana alasan harga diri. Dia merasakan bahawa tugasnya sebagai orang tua telah dia tunaikan seluruhnya. Lantas bagaimana kita dapat mewujudkan anak yang shalih, sedangkan kita tahu bahawa salah satu kewajipan yang mulia seorang kepala rumah tangga adalah mendidik keluarganya.

Sementara tidak boleh kita nafikan juga bahwa pengaruh negatif dari lingkungan yang cukup kuat berupa media cetak dan elektronikseperti majalah, tabloid, televisyen, radio, VCD, serta peralatan hiburan lainnya sangat mudah mencemari fikiran dan perilaku si anak. Bahkan media ini mampu menjadi orang tua ketiga, maka kita harus mewaspadai media-media yang ada dan alat-alat permainan yang sangat berpengaruh buruk terhadap perilaku anak-anak kita.

Oleh kerana itu, kewajipan bagi seorang suami untuk memerhatikan pendidikan isteri dan anaknya, baik tentang Tauhid, shalat, bacaan Al-Qur’annya, pakaiannya, pergaulannya, serta bentuk-bentuk ibadah dan akhlak yang lainnya.

Ini kerana Islam telah mengajarkan semua sisi kehidupan, kewajipan kita untuk mempelajari dan mengamalkannya sesuai dengan Sunnah Rasulullah shallallaahu ‘alaihi wa sallam.

Begitu pula kewajipan seorang isteri adalah membantu suaminya mendidik anak-anak di rumah dengan baik. Seorang isteri diperintahkan untuk tetap tinggal di rumah mengurus rumah dan anak-anak, serta menjauhkan diri dan keluarga daripada hal-hal yang bertentangan dengan syari’at Islam.

MENASIHATI ISTERI DENGAN CARA YANG BAIK

Rasulullah shallallaahu ‘alaihi wa sallam telah mewasiatkan agar berbuat baik kepada kaum wanita, berlaku lemah lembut dan sabar atas segala kekurangannya, kerana mereka diciptakan daripada tulang rusuk yang paling bengkok. Rasulullah shallallaahu ‘alaihi wa sallam bersabda. "Ertinya : Barangsiapa yang beriman kepada Allah dan hari Akhirat, janganlah dia menyakiti tetangganya. Berwasiatlah kepada wanita dengan kebaikan. Ini kerana mereka diciptakan daripada tulang rusuk dan tulang rusuk yang paling bengkok adalah bahagian atasnya. Jika engkau meluruskannya, engkau akan mematahkannya. Dan jika engkau membiarkannya, dia akan tetap bengkok. Oleh kerana itu, berwasiatlah kepada wanita dengan kebaikan.”

MENGIZINKANNYA KELUAR UNTUK KEPERLUAN YANG MENDESAK

Di antara hak isteri adalah suami mengizinkannya keluar untuk suatu keperluan yang mendesak, seperti pergi ke warung, pasar dan lainnya untuk membeli keperluan rumah tangga. Berdasarkan hadits Nabi shallallaahu ‘alaihi wa sallam. "Ertinya : Sesungguhnya Allah telah mengizinkan kalian (para wanita) keluar (rumah) untuk keperluan (hajat) kalian.”

Tetapi, keluarnya mereka harus dengan beberapa syarat, iaitu:
1. Memakai hijab syar’i yang dapat menutupi seluruh aurat mereka.
2. Tidak ikhtilath (percampuran bebas) dengan kaum lelaki.
3. Tidak memakai wangi-wangian. Seorang suami pun dibolehkan untuk mengizinkan isterinya untuk menghadiri shalat berjama’ah di masjid apabila ketiga syarat di atas terpenuhi. Rasulullah shallallaahu ‘alaihi wa sallam bersabda. "Ertinya : Apabila isteri salah seorang daripada kalian meminta izin untuk pergi ke masjid, janganlah dia menghalanginya.”

Dalam hadits yang lain, Rasulullah shallallaahu ‘alaihi wa sallam bersabda, "Ertinya : Janganlah kalian melarang para wanita hamba Allah mendatangi masjid-masjid Allah.”
(Disalin dari buku Bingkisan Istimewa Menuju Keluarga Sakinah, Penulis Yazid bin Abdul Qadir Jawas, Penerbit Putaka A-Taqwa Bogor - Jawa Barat, Cet Ke II Dzul Qa'dah 1427H/Desember 2006) Sumber almanhaj diedit oleh Abu Usamah ------------ --------- --------- --------- --------- -- [2] Hadits shahih: Diriwayatkan oleh al-Bukhari (no. 5185-5186) dan Muslim (no. 1468 (62)), dari Abu Hurairah radhiyallaahu ‘anhu. [3] Hadits shahih: Diriwayatkan oleh al-Bukhari (no. 5237), dari ‘Aisyah radhiyallaahu ‘anha. [4] Hadits shahih: Diriwayatkan oleh al-Bukhari (no. 5238), Muslim (no. 442 (134)), at-Tirmidzi (no. 570), an-Nasa-i (II/42) dan Ibnu Majah (no. 16), dari Ibnu ‘Umar radhiyallaahu ‘anhuma. [5] Hadits shahih: Diriwayatkan oleh al-Bukhari (no. 900), Muslim (no. 442 (136)), at-Tirmidzi (no. 570) dan an-Nasa-i (II/42), dari Shahabat Ibnu ‘Umar radhiyallaahu ‘anhuma.

Woman, daughter, wife and mother

Dear All,

I just would like to share the celebration of a married woman's life journey living in the cosmopolitan city of Kuala Lumpur. No doubt there are challenges ahead need to be conquered and challenges in the pasts that have been conquered!! Challenges can be from all aspects of life, may it be financially, spiritually or whatever form it may come.

I know there are a lot of 'me's out there who may be in the same tightspot as me. We can exchange ideas, we can help each other out, whatever it is at the end of the day whomever read my blog i hope can beneit from it!! Ameen ...