Pairing KERETA dan ASB Financing

KEKALKAN NILAI KERETA ANDA...

beli kereta 100k, bulanan RM1080
(calculation, 9Y 3.5% interest, 0 DP)

buat cara biasa:
lepas 9 tahun, kereta habis bayar, harga kereta RM40k.

cara saya rekemen:
buat asbF 200k. bulanan 1080. teknik rolling.
lepas setahun, beli kereta tersebut (same mcm sample di atas)..
lepas 9tahun kereta habis bayar:
value kereta : RM40k
value dalam ASB: RM56649*
* 32649 (surrender value) + 14000 (last dividen;assume 7%) + (additional 10k or more lebihan dividen yg tak rolling)

total : RM96649 - boleh beli kereta yg sama bayar cash (topup duit lain lagi 4k)

ape yg saya nak cerita kat sini...
awak bayar 1080 selama 9tahun, ada besi kebanggaan 40k (anggaran kasar sahaja)..
awak bayar 1080 selama 10tahun (syarat sabar 1tahun pertama), ada besi dan CASH lagi...
lepas la nak rolling main besi seround lagi....

www.wasap.my/0135777260/asbF

by Tompoq Tom CWA 0135777260

ASB loan rolling 5 tahun ENJOY

Kali ni saya nak kongsi cara simpan dan enjoy (sikit2) dengan ASB financing...

ASB-f 200k.
monthly : 1080 (at 5.05 rate, 30years, NO takaful)
setahun : 12960 (MODAL)

ASSUME dividen 7%:
year1 : dividen RM14000, 12960 utk rolling, 1040 utk enjoy
year2 : dividen RM14000, 12960 utk rolling, 1040 utk enjoy
year3 : dividen RM14000, 12960 utk rolling, 1040 utk enjoy
year4 : dividen RM14000, 12960 utk rolling, 1040 utk enjoy
year5 : dividen RM14000, TERMINATE.

ape anda dapat lepas terminate?
1- dividen terakhir RM14000.
2- surrender value RM12635.
* cash di hujung cerita : RM26635

jangan lupa,
3- total cash dah enjoy RM4160

modal : 12960.
total DAPAT 5tahun : 30795
'untung' : 17835
average return annually : 17835/12960 bahagi 5 = 27.5% setahun

harap2 explanation saya ni mudah difahami.
www.wasap.my/0135777260/asbF

camne nak kira suurender value tu?
sebenarnya tak penting langsung kalau anda faham ROI anda adalah 27.5%*..
tapi kalo nk kira jugak, saya boleh tunjukkan basi, nantikan post berikutnya...

disclaimer:
* merujuk rekod dividen ASB selama ini yg hanya sekali  <7 br=""> 
<7 br="">-estimation/rounding off dibuat dlm calcultion utk simplify figure
<7 br="">-assume first payment is 1Jan(1st year), dan termination selepas 1Jan(6th year)

by: Tompoq Tom CWA. 0135777260.

Pesanan Kewangan buat Fresh Grad

"FRESH GRADUATE WAJIB BACA"
- Penyebab anda menyewa sampai bila-ii..

Rata-rata fresh graduate, cukup ja 3bulan kerja.. terus angkat kereta, yang ansuran bulanan lebih kurang RM800-1000.. padahal gaji hanya RM2500

Bila dah angkat kereta ansuran bulanan yang mahal, tipis dah nak beli rumah. Sbb pengiraan DSR dah kacau banyak. Kena lah settle, bayar kereta utk 9tahun dlu.. kalau umur sekarang 25, cukup 9tahun dah jadi 34tahun dah...

Contoh la gaji dah naik kepada RM3200 sebulan, nak beli rumah low cost dah tak boleh, sebab syarat low cost 3000 kebawah gaji..

Time tu, insurance pun dah jadi mahal.. Tempoh pembiayaan dah jadi pendek, menyebabkan ansuran bulanan jadi tinggi.

Nak beli rumah medium cost, dah mahal gila dah.. So, jangan la buat kesilapan yg sering dilakukan oleh anak muda sekarang..

Notes :
Nak pakai kereta boleh, pastikan ansuran bulanan, yg rendah... Ukur baju di badan sendri .
Jangan ikut nafsu..

======================================

Kalau angkat rumah dahulu, nak angkat kereta, senang ja nk lulus loan.. kita boleh kepilkan sekali tenancy aggrement, supaya bank dapat pandang rumah kita sebagai income bulan2.

kalau angkat kereta dulu? nak kepilkan dokumen apa? beli kereta tak salah. yg salahnya beli kereta, ansuran bulanan mahal.. sampaikan ansuran bulanan dah 50-60% dari gaji..

======================================

Sementara nak kumpul modal untuk deposit rumah tu, buat lah ASB Financing.  Supaya anda boleh kumpulkan modal dengan cepat.. At least anda dah buat komitmen dekat bank, dan sesetengah bank pandang ASB Financing ni, as a income, bila dah lebih dari setahun..

======================================
Nak beli rumah, tapi komitmen kat bank, belum ada apa2 komitmen.. Bank akan reject appplication utk beli rumah, sebab bank tak nampak sejarah pembayaran anda macam mana dekat bank..

So, pokok pangkalnya, uruslah kewangan anda dengan bijak !! Sekian dari saya

..

Credit to👇🏻
Rahimi Mustafa

Orang Muda dapat BR1M Walaupun Tak Layak

Untung la remaja2 skrg sebab kerajaan akan bagi RM1,000 seorang.

Dalam pembentangan #Bajet2017, PM mengumumkan akan memberi insentif rm1,000 seorang bagi remaja2 yang berumur 20 hingga 30 tahun.

Tujuan ini bagi menggalakkan golongan remaja menyimpan untuk masa depan.

Syarat untuk mendapat rm1000 ni ialah remaja mesti meyimpan rm1k ke dalam Private Retirement Scheme (PRS). Simpan duit sendiri 1k, kerajaan akan topup bagi 1k lagi. Total jadi 2k. Dan simpanan ini tidak bole dikeluarkan sehingga umur 55thn. Sekiranya anda mampu menyimpan sebyk RM200 sblm selama 30thn, tabungan anda akan mencecah RM1.4juta.

PRS ni macam kwsp, simpanan persaraan. Ibarat acc ke2 EPF. Duit 2k tu akan beranak pinak sebab dapat dividen dan masa pencen baru boleh keluarkan.

http://www.nst.com.my/news/2016/10/182235/2017-budget-incentive-increase-prs-contributors

Inilah masanya remaja nak dptkan reward duit bajet kerajaan, tapi untuk rakyat yang belum berumur 31 sahaja ya.

Contoh, umur 30 tahun 8bulan masih layak untuk dapat 1k free tu. Sebab belum masuk 31. Umur ikut tarikh lahir,  bukan ikut tahun.

Cara nak apply ialah datang isi borang dgn saya  (consultant berdaftar dgn CIMB) .. boleh hubungi 0135777260, Taufiq..

Kalau ada saudara mara, adik, sepupu, atau anak yang berumur 20 - 31tahun sila maklumkan peluang ni ye. Rugi kalau terlepas, bajet yang diperuntukan ialah rm165 juta sahaja, siapa cepat dia dapat.

Sila share post ni supaya ramai dapat manfaat. TQ

Build Life, Not Resume

"once you enter the corporate world its like being a hamster on the wheel and your speed is determined by the speed of the wheel and not your own choice..." 

Priya Sachdev, 2016

Been a reaaaalllllllyyyy looong while since I last made a time to write here.
There are lots, tonnes, millions of ideas & lines & topics stream through my mind everyday while driving or doing anything, but never really got to sit in front of this keyboard and knock the letters I should.

Well.. 2016 on its edge. While already been looking forward for 2017 since past few days, it is always good to start (DO) now.

This article below is coming from one of my reading source:
https://www.linkedin.com/pulse/build-life-resume-priya-sachdev

Easier said then done because once you enter the corporate world its like being a hamster on the wheel and your speed is determined by the speed of the wheel and not your own choice! Something we all know, yet we love to blame it to the world around us. Performance pressure, pressure to get promoted every year, to get increments, to achieve your incentives, qualify to get rewards and recognition. All these so called motivators are focused on moving up the so called corporate ladder but what about the dilemma of work life balance? The ability to choose what to do, when to do and how much to do. How are we ever going to balance this?
Many feel that the only way to achieve this is to work very hard for few years of your life and then retire to a life style of choice. While this could be a good strategy, many never survive to get to the point of retirement and the ones who do get so bored because they got used to working hard, that their retirement activities put more pressure on them than what work did! Some work hard and then take a sabbatical to renew themselves and go back later and then find when they go back that they are competing for their jobs with younger contenders.
So what is the easy answer? Wish I had it because this may be the million dollar question of our times. However, if I look around some happy and successful people I see their focus was not to build a resume though incidentally that did happen as well. Their focus was to find something in life that makes them happy, makes them jump out of bed every morning and makes them dance and celebrate every small success.
I remember Steve Jobs address at Stanford specially the part where he says, “If today were the last day of my life, would I want to do what I am about to do today?” And whenever the answer has been “No” for too many days in a row, I know I need to change something. This could be about building a life because this question is more powerful than will I get my incentive this quarter?
Some of you reading this may feel, its easy to think like this when you are Steve Jobs and while I do agree to that I am sure it is this question that made him Steve Jobs.
Let me share insights from my dear friend and a personal hero Navin Gulia who once told me that he believes disability is never in the body but in the mind, because if you decide you can, you can achieve anything. And he is living proof of this ideology because being on the wheel chair has not stopped him from traveling the world or scaling the peaks driving himself in his own customized car. He has build his life and his own brand working with the ones who need him the most. Corporations and institutions invite him to talk to their people about motivation and that by the way is a good resume too!
As another year comes to an end let’s invest in some of these thoughts for ourselves. Let’s all build a life and make this world worth living.

Well. This is one good & direct point to ponder, that I feel everyone should consider. I will try to put more times elaborating this condition in longer post, covering more perspective in more details. About LIFE. About what we forgot. About how LOST we have been.

Till next post. Get a life.

My Caring Hero

As written by Nurul Nabilah binti Mohd Nasir in her FaceBook....

3mac2015

*a child with a big heart*

I was touched. Just now I was pretending to cry in front of Alif. I was dazzled by his reaction.

Me: *insert crying sound*
Alif: Nape Ty Bell nangis?
Me: *keep on crying*
Alif: Abang ada, jangan nangis.
Me: *keep on crying*
Alif: Abang ada, jangan nangis. *while touching my shoulder*
Me: *keep on crying*
Alif: Abang ada, jangan nangis. *while touching my shoulder* Abang tengah makan ni. Abang ada. Jangan nangis okay?

Luluh jiwa raga. That's how I should treat him when he's crying, shouldn't add more tears.

Tompoq Tom, Noor Aziana Mohd Salleh, you own a big soul boy. (Naeim belum tunjuk bakat lagi).

Sungguh, bukan bila dah nikah, bukan bila dah ada anak baru nak amal doa yang dari surah Al Furqan ayat 74. Jom amalkan dari sekarang. Semoga Allah perkenankan doa kita. Aamiin.

Being away from Alif... Most of the time... But my wife always keep me updated with the stories of my boys... Alif always use that line "A'eim, jangan nangis, abang kan ada" to Naeim whenever his little brother cries... I heard it myself while driving on my way home with them few months back...
Yes, Alif now 2 years, 7months old... and that line has been use ince he started speaking a full sentence of 3-4 words... Alhamdulillah...
May Allah protect this Resident of Heaven and keep that noble heart unscratched... Amiin..

Doa Langsai Hutang

“Seorang budak mukatab (yang mengadakan perjanjian pembebasan dengan tuannya) datang kepada Ali dan berkata; aku tidak mampu membayar pembebasanku, maka tolonglah aku! Ali berkata; mahukah aku ajarkan kepadamu beberapa kalimat yang telah Rasulullah Salallahu Alaihi Wasallam ajarkan kepadaku, yang seandainya engkau memiliki hutang sebesar gunung Shir nescaya Allah akan membayarkannya untukmu? Ali berkata; ucapkanlah;

Hadith Langsai Hutang

Suatu hari Rasulullah (saw) masuk ke dalam masjid, terdapat seorang lelaki Ansar yang dipanggil Abu Umamah r.a duduk di dalam masjid, Nabi (saw) bertanya kepadanya: Wahai Abu Umamah saya tidak pernah melihat engkau duduk di dalam masjid bukan waktu solat?

Jawab Abu Umamah r.a: Keluh-kesah dan hutang menimpaku wahai Rasulullah (saw).

Jawab Nabi (saw) : Mahukah kamu aku ajarkan beberapa kalimat, apabila engkau membacanya, Allah akan menghilangkan keluh-kesah dan melangsaikan hutangmu?

Beliau menjawab: sudah tentu wahai Rasulullah (saw).

Jawab Baginda (saw) : pada waktu pagi dan petang bacalah: Ya Allah, aku memohon perlindungan denganMu daripada keluh kesah dan kesedihan, rasa lemah dan kemalasan, Aku memohon perlindungan denganMu daripada sifat penakut dan kebakhilan, dan aku mohon perlindungan denganMu dari bebanan hutang dan dikuasai seseorang.

"Ya Allah, aku berlindung denganMu daripada dukacita dan rasa sedih; 

aku berlindung denganMu daripada lemah dan malas; 

aku berlindung denganMu daripada sifat pengecut dan bakhil; 

dan aku berlindung denganMu daripada bebanan hutang dan penindasan orang."

riwayat Abu Daud

MH370 - teori hijack motif Perang Dunia ke3

discalimer: ini hanya sebuah teori, yg dikongsi dari whatsapp copy paste...


1) adakah MAS merahsiakan perbualan antara perisik XXX dengan menara kawalan kepada kerajaan, rakyat malaysia dan seluruh dunia? kenapa nak rahsiakan?? adakah takut sebab kawalan keselamatan terlalu longgar? kenapa setelah sejam lebih pesawat hilang dari radar, tapi mereka masih lagi berkomunikasi dengan pesawat?? apa isi perbualan mereka??

2) radar untuk tujuan komersial tidak secanggih seperti untuk tujuan ketenteraan.. maka radar jammer dari pasar gelap sudah memadai untuk "menghilangkan" pesawat dari radar di menar kawalan subang

3) setelah "menghilangkan" pesawat dari radar, pesawat patah balik untuk ke destinasi XXX (destinasi ini saya tidak pasti di mana), pesawat terus berlegar di ruang udara malaysia, iaitu di kawasan banjaran titiwangsa selama sejam lebih sambil masih lagi "berunding" dengan menara kawalan..

4) kenapa pertahanan malaysia tidak dapat kesan pesawat itu ketika berlegar di udara banjaran titiwangsa? kerana di situ pertahanan udara kita paling lemah..

4) rundingan dengan menara kawalan gagal setelah 2 jam lebih.. perisik XXX putuskan hubungan dengan menara kawalan di subang.. perisik XXX terus menerbangkan pesawat ke lokasi XXX

5) saya gunakan istilah "perisik" kerana hijacker ini bukannya pengganas, tapi seorang perisik dari negara XXX (antara kuasa besar dunia).. sebab itulah sehingga sekarang tiada pengakuan dan tuntutan di media massa.. semua rundingan adalah secara tertutup antara pemimpin negara kuasa besar..

6) ketika pesawat bergerak ke lokasi XXX, perisik tiba-tiba menukar laluan, dan pesawat didapati terbang di selat melaka, menuju ke utara (thailand).. ketika ini, radar pertahanan udara malaysia dapat mengesan kehadiran pesawat asing ini (kerana pertahanan udara malaysia di selat melaka adalah lebih baik dari di pantai timur dan banjaran titiwangsa)..

7) tetapi pihak pertahanan masih lagi clueless tentang rampasan ini, kerana pihak menara kawalan TIDAK PERNAH MEMAKLUMKAN KEPADA
KERAJAAN DAN KEMENTERIAN PERTAHAAN

8) pesawat terus menuju ke thailand.. thailand dapat tahu dan terus memaklumkan kepada seluruh ketenteraan mereka, termasuk pangkalan udara milik amerika di thailand (lokasi rahsia)

9) ketika pihak thailand cuba menghubungi pesawat MAS tersebut, perisik XXX cuba menipu dengan mengatakan pesawat mereka tersesat..jet amerika cuba intercept dan tembak pesawat, tetapi perisik XXX cuba berunding dengan amerika dn thailand
11) ketika rundingan di nanning, kerajaan malaysia TIDAK TAHU MENAHU pasal ini.. rundingan hanyalah melalui negara XXX, YYY, ZZZ dan mungkin beberapa negara lain

12) pihak MAS baru maklumkan kepada umum pesawat MH370 hilang setelah benar-benar pesawat itu disahkan tidak mendarat di beijing (jam 7 pagi lebih).. kenapa lambat sangat nak sahkan MAS?? kamu ingat perampas itu main-main ke??

13) ketika ini barulah kerajaan malaysia maklum dan seluruh dunia gempar dengan berita ini.. akibat kurangnya maklumat dari pihak MAS (pesawat tiba-tiba hilang, tak ada sebarang petanda) maka kerajaan mulakan SAR agak lambat..

14) saya tidak pasti sampai bila baru pemimpin negara malaysia dimaklumkan perkara sebenar oleh negara XXX,YYY dan ZZZ.. DS Najib cuma mengikut arahaan dari negara XXX, YYY, dan ZZZ untuk kumpul keluarga mangsa, cari di situ, cari di sini, buat itu buat ini.. tapi rasanya sekarang mereka sudah dimaklumkan..

15)TIADA APA-APA YANG BERLAKU DI LAUT CINA SELATAN.. tiada.. semua penemuan kononnya debris, tompokan minyak, claim dari navy negara XYZ kononnya dah jumpa bangkai dll adalah..... saya tidak pasti dan tidak berani nak buat andaian.. yang pasti negara2 kuasa besar dah hantar armada ketenteraan mereka di kawasan yang kononnya tempat pesawat terhempas

16) malaysia serta negara lain yang "tak tahu apa-apa" meneruskan usaha mencari.. ketenteraan kita BARU PERASAN mereka pernah kesan satu pesawat asing di selat melaka (adakah saya yang ingatkan mereka hahahaha) maka mereka terus membuat pencarian di selat melaka, kerana andaian mereka di situlah kali terakhir malaysia mengesan pesawat itu
18) ketika jet amerika hampir memintas pesawat MAS di thailand, perisik XXX berunding dengan negara amerika agar "melepaskan" pesawat itu dan memaklumkan pesawat itu adalah pesawat komersial dan mengandugi 200 lebih penumpang

19) amerika bersetuju, mungkin ada yang pelik mengapa USA boleh bersetuju dengan mudah.. ini kerana perisik itu BUKANNYA PENGGANAS tetapi dari negara XXX.. pihak amerika memaklumkan kejadian ini kepada negara XXX, dan negara XXX mengesahkannya..pada mulanya amerika demand pesawat itu mendarat di thailand, tetapi akhirnya terpaksa akur permintaan perisik XXX untuk mendarat di nanning.. kenapa nanning?? saya belum mahu hurai lebih lanjut..

20) dipendekkan cerita, ketika mendarat di nanning, sepatutnya pendaratan MH370 di nanning dirahsiakan, tetapi terbocor juga oleh beberapa orang pegawai lapangan terbang yang tidak dimaklumkan terlebih dahulu tentang pendaratan cemas ini serta MISI RAHSIA negara XXX.. akhirnya cerita pendaratan pesawat MH370 di nanning berjaya diputarbelitkan sebagai hoax

21) apa isi rundingan?? mengelakkan PERANG DUNIA KETIGA
23) ketika rundingan, negara XXX mengugut untuk melancarkan perang dunia ketiga seandainya misi mereka ini dibocorkan.. negara YYY, ZZZ dan beberapa negara lain (saya yakin malaysia tidak terlibat dalam rundingan ini) terpaksa bersetuju

24) jadi, apakah sebenarnya tujuan pesawat itu dihijack?? sebenarnya hijack itu hanyalah backup plan dari perisik XXX seandainya identiti dan operasi beliau berjaya dikesan oleh perisik dari negara lain yang turut sama berada di dalam pesawat tersebut.. semalam saya ada dedahkan salah satu nombor passport perisik iaitu YA3189197, nama pemilik passport ini ialah luigi miraldi, tetapi didapati passport ini adalah passport curi (cepat sungguh negara mereka tutup cerita)

25) saya ada terbaca berita dari china, di mana ahli keluarga cuba hubungi telefon bimbit salah seorang penumpang pesawat, dan berjaya, tetapi tidak diangkat atau disahut.. ya, memang la, sebab pihak negara XXX lupa nak off henset mamat tu setelah dirampas..

26)  - pada mulanya, pihak yang berunding berusaha untuk cari jalan untuk tutup cerita rampasan ini untuk kepentingan bersama.. mereka cuba membawa ahli keluarga terdekat penumpang untuk berunding di satu tempat rahsia (kemungkinan di nanning).. antaranya, mungkin penumpang yang terlibat terpaksa dipalsukan kematian mereka, dan pihak yang berunding akan cuba untuk membuat seolah-olah pesawat itu benar-benar telah terhempas, tetapi banyak kali kantoi.. banyak kali mereka terpaksa trik balik statement..

27) insyaAllah, sama-sama kita doakan mereka semua masih hidup
Mmg dr awal kes hijack
Sebab Ukraine dgn Russia tgh berperang
Dlm pesawat tu ada 2 org Ukraine, seorg Russian
Pengaruh cina dperlukan russi

Robert Kiyosaki's Top 2

Before we talked about cashflow quadrant, I would like to share a story about Robert Kiyosaki’s book, “Rich Dad, Poor Dad”.

This book was a huge success with millions of copies being sold worldwide. In this book, Robert Kiyosaki had two dads, one is his biological dad tagged as “poor dad” and one is his friend’s dad tagged as “rich dad.” Both dads taught Robert Kiyosaki how to reach his financial goals and achieve success but with different approaches.

His poor dad spent so much time in school earning him a doctorate degree landing on a high paying job but ended with a lot of bills left unpaid  while his rich dad did not finish school but ended up owning a business empire. How did this happen? Just look at the contrasting ideas each dad have:

His poor dad says: “I CAN’T AFFORD IT!” while his rich dad says: “HOW CAN I AFFORD IT?”

His poor dad says: “MONEY IS THE ROOT OF ALL EVIL!” while his rich dad says: “LACK OF MONEY IS THE ROOT OF ALL EVIL!”

By viewing these two contrasting ideas, his poor dad’s brain stopped working when he said those, killing his initiative and promoting negativity while his rich dad’s brain kept on thinking on ways creating initiative and promoting optimism. Which one is best? Of course, undeniably, it’s rich dad’s ideas! Here are some more comparison of how does a Rich dad’s thinking and Poor dad’s thinking.

Robert Kiyosaki continued and coined the term RAT RACE. This is the race of our lifetime INCOME and SPEND. We receive our income regularly from our paychecks yet we spend the same to pay bills and satisfy our wants. We are now trapped in this rat race. We live our lives to pay our everyday bills! Now, how can we escape from this rat race trap? By understanding the Rich Dad’s CASHFLOW Quadrant: Rich Dad’s Guide to Financial Freedom

This is understanding where our income flows. It was divided into two main sections. The left side called “Active Income” and right side called “Passive Income.” What’s the difference? Active Income says “You Work For Money” while Passive Income says “Money Works For You.”

It is then further subdivided into four quadrants. Quadrant 1 is the so-called Employees. Quadrant 2 is the so-called Self-Employed. Qudrant 3 is the so-called Big Business Owners. Quadrant 4 is the so-called Investors. Where do you belong to these four quadrants? Let’s examine it one by one:

Quadrant 1 – EMPLOYEES. I do think that most of us belongs here. We have a job. We have to work hard, follow instructions from our bosses and superiors and get paid. We don’t own our time. These are people who love security or tenure. They will work hard to climb up the corporate ladder. The higher they climbed the ladder, the higher they pay is. Sad to say, the higher their pay is, the higher also their taxes. And it’s not them getting rich, it’s their bosses, it’s their company. Time will come, they will get tired. Their body will collapse because of age. And when they stopped working, they will also stop receiving income.

Quadrant 2 – SELF EMPLOYED – They work for themselves. The difference with the employees is that self-employed own their time since they don’t have superiors. They can decide for themselves. These are people who loves to be independent. They don’t want to work for others, instead they want to work for themselves. These are doctors, lawyers, and small business owners. But still, they are an employee of themselves. And if they stopped working, they will also stop receiving income.

Quadrant 3 – BIG BUSINESS OWNERS – They love delegating tasks. They concentrate their efforts more on activities which produces most profits. They hire people who are more intelligent than them to do the work for them. They have built a solid system and they own it. They have built their resources to make this possible. And so they can leave for vacation and can leave work for some time but still earns money because there were people working for them. Examples of this are the taipans and tycoons and some franchisers who have built a solid business.

Quadrant 4 – INVESTORS – These are people who have built their assets and are not working for money anymore. Instead, the assets they have accumulated works for them providing them constant income even if they don’t work. These are people who are called “living on interests”. They are living thru the interests of their assets and investments. Money works for them. They have invested their money to have more money. They can differentiate which one is an asset and which one is a liability. Examples of these are investors in the stock market, real estate, etc.

Did you see the difference? The only way to escape from the rat race is by travelling from active income to passive income, from employee or self-employed to becoming a big business owner or investor. And this is the challenge that Robert Kiyosaki left to us readers.

As a final note, I’m leaving this quote from Mr. Kiyosaki.

“The rich buy assets. The poor only have expenses. The middle class buys liabilities they think are assets. The poor and the middle class work for money. The rich have money work for them.”

Syukur Setiap Saat....

Wang syiling jatuh di hadapan seorang lelaki yg sedang asyik mambancuh simen. Melihat logam kecil itu , tangan lelaki itu terhenti melakukan kerja. Tidak menunggu lama , tangannya segera mengutip syiling itu dan dimasukkan ke dalam poketnya. Dia menyambung semula kerjanya.
Sekali lagi lelaki itu terpandang duit syiling tidak jauh dari sisinya . Lelaki itu menoleh ke kiri ,kanan dan sekelilingnya.Tiada siapa yang berdekatan dengannya . Sekali lagi dia terus mengambil syiling itu dan menyimpan dalam koceknya.
Tidak lama kemudian, lelaki itu ternampak lagi duit syiling berdekatan dengannya . Pun sama , dia mengambil dan menyimpannya .
"Rezeki aku !" Kata lelaki itu dalam hati.
Lelaki itu tidak sedar , logam syiling itu sebenarnya dicampakkan oleh ketuanya dari aras lapan bangunan separuh siap yang mereka bina itu.
Sebenarnya, ketuanya mahu memanggilnya. Puas ketuanya menjerit daripada aras lapan , cuba memanggil lelaki itu yg berada pada aras paling bawah. Namun, jeritan itu tidak mampu mengalahkan pelbagai bunyian mesin pembinaan di kawasan tersebut. Dek kerana itulah, ketuanya itu mencampakkan syilingnya dengan harapan lelaki itu akan mendongak melihatnya di atas. Mudah-mudahan dapatlah dia menyampaikan pesanannya kepada pekerjanya itu.
Sayangnya, sehingga habis wang syilingnya dibaling ke bawah, lelaki itu masih belum jugak mendongak ke atas.
Lantas , ketuanya itu mengumpulkan serpihan batu kecil yg terdapat di lantai. Satu persatu batu kecil itu dibaling ke bawah. Beberapa kali batu itu mengenai badan lelaki itu . Setelah merasa sakit , lelaki itu mendongak ke atas, melihat dari mana datangnya batu-batu kecil yang menyerang tadi.
Barulah dia ternampak kelibat ketuanya yang sejak tadi cuba mencuri perhatiannya bagi menyampaikan pesanan.
Sahabat sekalian, Allah sering menjatuhkan rezeki (syiling ) , rahmat atau kesenangan yg tidak terkira banyak kepada kita. Tuhan menjatuhkan 'syiling' itu sebagai satu panggilan agar kita sentiasa mendongak ke atas utk mengingati dan bersyukur dengan kurniaanNya. Tetapi , acap kali kita lalai utk 'mendongak' ke atas, sebaliknya terus menikmati pemberian-Nya tanpa ucapan syukur.
Seperti kisah ketua dan pekerja tadi , apabila jatuhan syiling tidak berjaya menarik perhatian, lalu dia jatuhkan pula 'batu' yg berupa musibah, kegagalan, keperitan dan pengalaman yg menyakitkan. Dan hanya setelah kita merasa kesakitan itu , barulah kita teringat utk mendongak, menadah tangan utk bersyukur mengingati Yang Maha Pencipta kita.
(Renungan kita bersama) dipetik dari FB https://www.facebook.com/muhammadridzuan.riz

Vaksin Hepatitis B - Sharing #1

Muhammad Alif Firdaus disambut gembira oleh kami 17Aug2012. Semua berjalan seperti bayi2 lain... tapi selepas 6 bulan, aku dipertemukan dengan soalan cabaran berkait isu vaksin. Bermulalah perjalanan baru aku sebagai seorang pelajar mencari ilmu tentang penyakit-penyakit yang divaksin...
Blog ini akan SHARE apa-apa info yang dirasakan berasas untuk dikongsi...

dibaca dari
http://myquran.org/forum/index.php?topic=71692.45
satu pos yang agak compelte explain tentang Hepatitis B...

(NaturalNews) vaksin hepatitis B telah disetujui untuk semua bayi AS ketika lahir, tetapi apakah itu benar-benar aman? Untuk vaksinasi "pencegahan", jumlah komplikasi yang terkait dengan vaksinasi hepatitis B cukup mengejutkan. Bahkan, sejumlah peer-review studi telah menemukan hubungan antara vaksinasi hep B dan kematian bayi baik di AS dan Eropa. Dengan hubungan ke sindrom kematian bayi mendadak (SIDS), multiple sclerosis, dan banyak gangguan autoimun kronis, beberapa dokter berbicara mengungkapkan  bahaya vaksin hep B.

Dr Jane Orient dari Asosiasi Dokter Amerika dan Bedah (AAPS) bersaksi kepada Kongres Amerika mengenai bahaya kesehatan yang parah yang berhubungan dengan inokulasi hepatitis B, yang menyatakan: "Bagi kebanyakan anak, risiko reaksi vaksin yang serius mungkin 100 kali lebih besar daripada risiko terjangkit penyakit hepatitis B. "

Hepatitis B adalah infeksi virus yang terutama targetnya pada hati, dan menyebar melalui kontak langsung dengan cairan tubuh - terutama darah dan air mani. Hepatitis B adalah sebagian besar ditularkan melalui pilihan gaya hidup seperti seks tanpa kondom atau berbagi penggunaan suntikan jarum narkoba, dan Ini bukanlah kondisi penyakit yang berhubungan dengan bayi baru lahir, atau kebanyakan orang. Karena keputusan aneh untuk memvaksinasi bayi yang baru lahir dengan tembakan hep B dan sejumlah faktor lain, orang telah mempertanyakan keamanan dan efektivitas vaksinasi hep B selama bertahun-tahun. 

sumber: http://www.naturalnews.com/032579_hepatitis_B_vaccines.html
http://www.uscfc.uscourts.gov/sites/default/files/CAMPBELL-SMITH.HARRIS032311.pdf
http://childhealthsafety.wordpress.com/2011/04/25/us-concedes-hep-b-causes-lupus/
http://www.ncbi.nlm.nih.gov/pubmed/21496754
http://www.ama-assn.org/amednews/2011/05/02/hlsb0502.htm
http://www.nvic.org/nvic-archives/newsletter/untoldstory.aspx
http://articles.mercola.com/sites/articles/archive/2008/01/02/hepatitis-b-vaccine-part-four.aspx


Lebih detail tentang Hepatitis B

Penyakit ini dapat menyebabkan sirosis hati maupun kanker hati. Namun, virus ini menular melalui hubungan seksual. Orang-orang berisiko tinggi terkena penyakit hepatitis B (yang ditularkan melalui kontak langsung dengan cairan tubuh orang yang terinfeksi) adalah pengguna narkoba, pelacur, tahanan, dan pelaku kelainan sex. 

Secara vertikal, cara penularan vertikal terjadi dari Ibu yang mengidap virus Hepatitis B kepada bayi yang dilahirkan yaitu pada saat persalinan atau segera setelah persalinan.

Secara horisontal, dapat terjadi akibat penggunaan alat suntik yang tercemar, tindik telinga, tusuk jarum, transfusi darah, penggunaan pisau cukur dan sikat gigi secara bersama-sama (Hanya jika penderita memiliki penyakit mulut (sariawan, gusi berdarah,dll) atau luka yang mengeluarkan darah) serta hubungan seksual dengan penderita.

Bayi yang mempunyai resiko terkena penyakit ini hanyalah bayi yang lahir dari ibu yang positif mengidap Hepatitis B. dan hanya kelompok itu yang beresiko, bukan yang lain.

 Pada tahun 1996, lima puluh empat kasus yang dilaporkan kepada Pusat Pengendalian Penyakit (di Amerika) pada kelompok usia dibawah 1 tahun. Sedangkan pada saat bersamaan, ada 3,9 juta bayi yang lahir pada tahun itu sehingga kejadian hepatitis B hanya 0,001%. Jadi apakah kejadian ini merupakan wabah berbahaya sehingga vaksin benar-benar diperlukan? 

90 sampai 95% dari semua kasus hepatitis B sembuh sepenuhnya setelah 3 sampai 4 minggu menderita mual, kelelahan, sakit kepala, arthritis, sakit kuning dan hati lembut. Sekitar 50% dari pasien yang terkena Hepatitis B tidak menunjukkan gejala setelah terinveksi. Bahkan, setelah terinveksi dipastikan mereka akan memiliki kekebalan seumur hidup. Sedang yang 30% mengalami gejala mirip flu saja, dan lagi, kelompok ini akan memperoleh kekebalan seumur hidup. Dari 20% sisanya yang terkena Hepatitis B akan memperlihatkan gejala penyakit. 95% dari 20% ini akan sepenuhnya pulih, dengan kekebalan seumur hidup. Oleh karena itu, kurang dari 5% dari orang yang terkena hepatitis B akan menjadi infeksi kronis. 

Vaksin Hepatitis B dibiakkan dalam ragi roti. Vaksin ini mengandung formaldehyde (penyebab kanker) dan mengandung 95 persen antigen permukaan virus hepatitis B, 4 persen protein ragi, dan aluminium hidroksida. Sekitar 17 persen dari semua orang yang divaksinasi hepatitis B disusul oleh laporan akan adanya kelelahan dan kelemahan, sakit kepala, arthritis dan demam lebih dari 100 F. Vaksin ini dapat menyebabkan kematian, menurut laporan Institute of Medicine pada tahun 1994.

Vaksin Hepatitis B Dikembangkan pada tahun 1987, pertama kali disuntikkan pada bayi berusia dua belas jam . Dengan harapan akan melindungi mereka ketika mereka lebih tua. Vaksin ini Awalnya ditargetkan untuk pengguna narkoba yang menggunakan jarum suntik sembarangan, tetapi ketika mereka tidak mau datang untuk disuntik imunisasi, akhirnya CDC memutuskan untuk menyuntik imunisasi anak-anak sebelum mereka mulai menjadi "pemakai". Padahal CDC Fact Sheet (lembar fakta dari CDC) pada penyakit hepatitis B tidak menyertakan bayi yang baru lahir sebagai kelompok risiko untuk penyakit itu. Jadi, dengan kata lain, hampir setiap bayi yang baru lahir di AS sekarang disambut ke dunia dengan suntikan vaksin terhadap penyakit menular seksual yang tidak beresiko pada bayi. Semua ini karena mereka tidak bisa mendapatkan pecandu, pelacur, heteroseksual promiscuous dan homoseksual (yang mereka ini berada pada risiko tinggi terkena hepatitis) untuk mengambil vaksin. Inilah esensi dari program vaksinasi universal hepatitis B.

silahkan baca artikel lanjutannya di: http://vaccinetruth.org/page_11.htm

maaf post ini ditulis dari Indonesia, tapi pembaca Melayu Malaysia boleh faham in general rasanya....

Procrastination

Procrastination. It is bad. It is negative. It is evil. It fails you. It got you no where. It stops you.
In Malay, it is berlengah-lengah. Or Bertangguh-tangguh.
“Biarlah dulu.”
“Nanti lah saya buat”
“Sekejap lagi lah”
“Esok lah”
“Maybe next time”
“Not now”
“Hmmm tengoklah”
Semua ayat ini digunakan untuk procrastinate. And I am not surprised I am using them a lot. Yes. LOTSSSS of time in my life. It was done by the subconscious mind. Minda luar kawal. It became habit. You don’t realise you are VERY good at practising procrastination. You are great procrastinator. Amazing!!!
And recall back to that point, I’d just noticed I’ve been delayed, or been behind schedule for 2 years plus. Yes 2 years. By who? By me. Yes, me!
The last time I consciously decide to get it done now, was when I decided to get married. Yup. After that mission accomplished, I unconsciously did not do anything much in my life anymore. I went with the flow. Few things missed out. Opportunities passed by.
Of course married life is great. But it could have been better if I took charge MORE in OTHER ASPECT of the life. But that was again, unconsciously ignored.

Back to the title. What is behind this habit called procrastinate?
There are always excuses. Yes, excuses to not do it NOW. Do it later. Somewhen that is not now. Whenever as long as not now.
Lazy is closely related to procrastinate. And half of the time is part of the excuse.
“ah I’m lazy lah now”
“malas la sekarang”
“tunggu la aku rajin”
There are more excuses, but I will elaborate more about excuses in post named “excuses” itself.
So?? Do it now. If you are not sure how, go ask NOW how. No one to ask, JUST DO IT.

Speaking of just do it, detail people argue that this act means the doer has no plan. Thus, there is another excuse, it is not planned yet. I will do it once I’ve planned it.
Well you are being unfair to yourself, cruelly put yourself stagnant at a point less worth staying. When you are procrastinator, waiting for a plan – usually for a PERFECT (which is impossible) plan- will forever be your excuse. And this excuse repeats itself forever because perfect is impossible. When you are procrastinator, you don’t need plan. you just need ACT. Go do it. Because procrastinator only have one plan, plan to delay. Yes it is so true.
Plan less, act more, you’ll fine tune the plan along the way.

Allah menegur umat manusia tentang masa dalam Al-Quran...

surah Al-Asr,

Demi Masa! Sesungguhnya manusia itu dalam kerugian - Kecuali orang-orang yang beriman dan beramal soleh, dan mereka pula berpesan-pesan dengan kebenaran serta berpesan-pesan dengan kesabaran.

True Stone & Rock in Stallone's Rocky

This is one of the SADDEST stories ever told in Hollywood. His name is Sylvestar Stallone. One of the BIGGEST and Most famous American Movie superstars. Back in the day,Stallone was a struggling actor in every definition. At some point,he got so broke that he stole his wife's jewellery and sold it. Things got so bad that he even ended up homeless. Yes,he slept at the New York bus station for 3 days. Unable to pay rent or afford food. His lowest point came when he tried to sell his dog at the liquor store to any stranger. He didnt have money to feed the dog anymore. He sold it at $25 only. He says he walked away crying.

Two weeks later,he saw a boxing match between Mohammed Ali and Chuck Wepner and that match gave him the inspiration to write the script for the famous movie,ROCKY. He wrote the script for 20 hours!

He tried to sell it and got an offer for $125,000 for the script. But he had just ONE REQUEST. He wanted to STAR in the movie. He wanted to be the MAIN ACTOR. Rocky himself. But the studio said NO. They wanted a REAL STAR. They said he "Looked funny and talked funny". He left with his script. Afew weeks later,the studio offered him $250,000 for the script. He refused. They even offered $350,000. He still refused. They wanted his movie. But NOT him. He said NO. He had to be IN THAT MOVIE.

After a while,the studio agreed,gave him $35,000 for the script and let him star in it! The rest is history! The movie won Best Picture,Best Directing and Best Film Editing at the prestigious Oscar Awards. He was even nominated for BEST ACTOR! The Movie ROCKY was even inducted into the American National Film Registry as one of the greatest movies ever!

And do You know the first thing he bought with the $35,000? THE DOG HE SOLD. Yes,Stallone LOVED HIS DOG SO MUCH that he stood at the liquor store for 3 days waiting for the man he sold his dog to. And on the 3rd day,he saw the man coming with the dog. Stallone explained why he sold the dog and begged for the dog back. The man refused. Stallone offered him $100. The man refused. He offered him $500. And the guy refused. Yes,he refused even $1000. And,Believe it or Not,Stallone had to pay $15,000 for the same,same dog he sold at $25 only! And he finally got his dog back!

And today,the same Stallone who slept in the streets and sold his dog JUST BECAUSE he couldnt even feed it anymore,is one of the GREATEST Movie Stars who ever walked the Earth!

Being broke is BAD. Really BAD. Have You ever had a dream? A wonderful dream? But You are too broke to implement it? Too tiny to do it? Too small to accomplish it? Damn! I've been there too many times!

Life is tough. Opportunities will pass you by,just because you are a NOBODY. People will want your products but NOT YOU. Its a tough world. If you aint already famous,or rich or "connected",You will find it rough. Doors will be shut on You. People will steal your glory and crash your hopes.You will push and push. And yet NOTHING WILL HAPPEN. And then your hopes will be crashed.You will be broke. Damn broke. You will do odd jobs for survival. You will be unable to feed yourself. And Yes,you may end up sleeping in the streets. It happens. Yes,it does.

BUT NEVER LET THEM CRUSH THAT DREAM. Whatever happens to You,Keep Dreaming. Even when they crush your hopes,Keep Dreaming. Even when they turn you away,Keep Dreaming. Even when they shut you down,Keep Dreaming.

NO ONE KNOWS WHAT YOU ARE CAPABLE OF EXCEPT YOURSELF! People will judge You by HOW you look. And by WHAT You have. But please,Fight on! Fight for Your place in history. Fight for your glory. NEVER EVER GIVE UP! Even if it means selling all your clothes and sleeping with the dogs,ITS OKAY! But AS LONG AS YOU ARE STILL ALIVE,Your STORY IS NOT OVER. TRUST ME. Keep Up the Fight. Keep your dreams and hope alive. Go gerrit. Like and share if inspired. Lovely day

Nabi Adam AS

Briefly....

Share sedikit kisah bapa ummat manusia Nabi Adam alaihissalam berdasarkan buku Atlas Sejarah Para Nabi dan Rasul karangan Sami bin Abdullah al-Maghluts.
1. Diutus ke bumi pd tahun 5872 SM dan wafat 4942 SM (usia 930 tahun). 
2. Diturunkan di puncak tertinggi dunia, gunung Everest India, sebahagian berpendapat di Jazirah Arab. Wafat di India.
3. Keturunan awal nabi Adam 40 orang lelaki dan perempuan.
4.Nabi Adam disebut 25 kali dlm Al Quran.
5. Baitullah (kaabah) dibangunkan oleh Malaikat dan Nabi Adam menyempurnakan bangunannya dan bertawaf setelah diturunkan ke bumi yg kemudiaannya kembali di sempurnakan oleh nabi Ibrahim.
6. Bertemu Hawa di Arafah.
7. Abu Dzar pernah bertanya kepada Nabi Muhammad " Rasulullah, berapakah jumlah seluruh nabi? "Seluruhnya berjumlah 124 ribu," jawab beliau. "Lalu berapakah jumlah rasul dari mereka. "Jumlah mereka 313, jumlah yg sangat banyak" sahut Rasulullah. " Rasulullah, siapakah yang mengawalnya?" "Adam" jawab beliau. " Rasulullah, apakah beliau nabi yg diutus?". "Betul. Allah telah menciptakan Adam dengan tangan-Nya sendiri, meniupkan ruh-Nya ke dalam jasad Adam, kemudian menyempurnakannya secara langsung(tanpa perantara)," terang Rasulullah.
Lalu beliau bersabda, "Wahai Abu Dzar, ada 4 nabi yang berasal dari bangsa Suryani. Mereka adalah Adam, Syits, Nuh dan Idris. Idris adalah nabi pertama yang menulis dgn pena. Lalu ada 4 orang nabi yg berasal dari bangsa Arab. Mereka adalah Hud, Shalih, Syu'aib dan nabimu (Muhamad) wahai Abu Dzar. Nabi pertama Bani Israel adalah Musa dan yg terakhir adalah Isa. Sementara itu, nabi pertama dari seluruh nabi adalah Adam dan penutupnya adalah nabimu (Muhammad),".
Hadith riwayat Ibnu Hibban dalam shahihnya.
Wallahu A'lam.

No Degree High Income

Di Malaysia, untuk bekerja di mana-mana agensi swasta atau kerajaan, perlu diingat bahawa kelulusan minima yang perlu kita ada ialah SPM (Sijil Pelajaran Malaysia). Bukan itu sahaja tetapi pelajar juga harus aktif dalam ko-kurikulum dan mendapat komen positif dalam sijil berhenti sekolah. Ini adalah penting, walaupun seseorang itu tidak bermina, berkemampuan atau layak untuk melanjutkan pelajaran ke menara gading, perkara yang disebutkan tadi mestilah ada untuk rujukan bakal majikan. Ini perlu difahami dan senario ini mungkin berbeza dengan negara-negara lain 

Berikut adalah 16 kerjaya yang yang boleh memberi pulangan yang lumayan kepada yang berminat, walaupun anda tidak mempunyai ijazah dari universiti. 

1. Juruterbang 
Kerjaya ini memerlukan modal yang besar kerana kursus yang ditawarkan sebelum anda menjadi seorang juruterbang bertauliah boleh sampai ke ratusan ribu ringgit. Walaubagaimana pun, gaji yang bakal anda terima juga amat lumayan sekali. Terdapat beberapa akademi yang menyediakan kursus Commercial Pilot Licence, seperti Malaysian Flying Academy yang terletak di Melaka. 

2. Penasihat Kewangan 
Juga dikenali sebagai 'wealth advisor' merupakan individu yang mengurus dan memberi khidmat nasihat terhadap pelaburan kewangan anda, sebagai contoh dalam unit amanah. Semua bank dan institusi kewangan ada menawarkan banyak pilihan kepada pengguna untuk melaburkan wang mereka 

3. Agen Insuran 
Cara untuk menjadi ejen insuran ialah pemohon perlu lulus ujian berkaitan. 

4. Agen Hartanah 
Menjadi ejen hartanah juga boleh mendatangkan pulangan dan kepuasan yang besar kepada sesiapa yang berminat. (gambar oleh  Trevor_Page) 


Bagi mereka yang berminat untuk bekerja di dalam bidang 'oil and gas' seperti di Petronas, MMHE , Schlumberger, Talisman Energy, untuk menjadi tenaga kerja pakar dan berkelajayakkan, anda perlu menduduki sijil-sijil profesional yang ditawarkan oleh CSWIP, sebuah badan antarabangsa yang menjalankan kursus dan mengeluarkan sijil profesional yang diiktiraf seluruh dunia. Ia merupakan badan antarabangsa dan mereka ada melantik wakil tempatan untuk menjalankan kursus di Malaysia Kebaikan sijil yang dikeluarkan CSWIP ialah ia diiktiraf diperingkat antarabangsa & bukan sahaja di Malaysia. Antara sijil, dan seterusnya kerjaya yang anda boleh ceburi ialah; 
5. Welding Inspector 
6. Welding QC Co-ordinator 
7. Plant Inspector 
8. Offshore Inspection 
9. Non-destructive Testing 
10. Plastics Welders 
11. Welder (ini juga terdapat pelbagai-bagai pengkhususan) 

Satu lagi badan yang banyak menawarkan sijil-sijil profesional ialah NIOSH atau National Institute Of Safety and Health (Malaysia). Di sini antara program pensijilan yang ditawarkan ialah; 
12. Safety & Health Officer  
Bidang tugas ialah untuk memastikan keselamatan & kesihatan pekerja di sesuatu premis pekerjaan / organisasi itu mengikut standard NIOSH. (gambar oleh tommyimages_com) 

13. Rig Operator / Operator pelantar minyak 
Pekerja am yang membantu kerja-kerja di atas pelantar minyak. Kebanyakkan latihan diperolehi dari masa ke semasa semasa menjalankan tugas. Kepada calon yang mempunyai kebolehan dalam bidang elektrikal, mereka bolehlah mengambil kursus berikut di Institut Latihan Perindustrian yang berdekatan. 

14. Wireman
Untuk melaksanakan pemasangan elektrik dan pengujian di tapak. Wireman ini juga mempunyai pelbagai peringkat membolehkan mereka mengendalikan litar satu fasa atau tiga fasa untuk kawasan kediaman atau komersil. 

15. Chargeman 
Mengendalikan sistem elektrikal Voltan Melebihi Voltan Rendah ( Tanpa Talian Aerial dan Stesen Janakuasa Voltan Melebihi Voltan Rendah) 

16. RoHS officer 
ROHS atau Restriction of Hazardous Substances Directive adalah satu  arahan untuk menyekat penggunaan daripada bahan-bahan berbahaya tertentu dalam peralatan elektrik dan elektronik. Sejak tahun 2003 negara-negara barad dan Eropah telah melarang dan menghadkan kandungan barang kimia terlarang dan merbahaya dalam komponen-komponen barangan tertentu. Di Malaysia, banyak syarikat pembuatan antarabangsa memerlukan pegawai RoHS untuk memeriksa dan mengesahkan barangan mereka memenuhi standard RoHS. Terdapat banyak agensi yang menyediakan kursus pensijilan kepada mereka yang berminat untuk menjadi pegawai RoHS Berikut adalah serba sedikit kerjaya yang terdapat di Malaysia yang tidak memerlukan ijazah universiti. 

17. Bisnes
Untuk menjalankan bisnes tidak memerlukan kepada kelayakan akademik. Mulakan sahaja bisnes yang anda mahu. Jual produk atau servis. Sertai bisnes bersama kami, boleh hubungi kami:

- produk berasakan kesihatan: Aziana di 0123687395.
- nak jual kopi: Tompoq 0135777260 or visit tompoq.myorganogold.com

Yang penting semua kerja yang berkaitan dengan keselamatan dan kesihatan memerlukan sijil dan kursus yang khas dan diiktiraf. Kepada pelajar yang mempunyai keputusan SPM yang tidak begitu cemerlang, jangan takut. Banyak jenis pekerjaan yang boleh anda ceburi.
Apa yang anda perlu ada ialah usaha dan semanggat yang tinggi untuk berjaya. Jadi, yang mana satu pilihan anda? -

Sumber: http://syedsyahrul.blogspot.com

Einstein Have Faith. Do we?

Professor: So, you believe in GOD ?

Student : Absolutely, sir.

Professor : Is GOD good ?

Student : Sure.

Professor: Is GOD all powerful ?

Student : Yes.

Professor: My brother died of cancer even though he prayed to GOD to heal him. Most of us would attempt to help others who are ill. But GOD didn’t. How is this GOD good then? Hmm?

(Student was silent.)

Professor: You can’t answer, can you ? Let’s start again, young fella. Is GOD good?

Student : Yes.

Professor: Is satan good ?

Student : No.

Professor: Where does satan come from ?

Student : From … GOD …

Professor: That’s right. Tell me son, is there evil in this world?

Student : Yes.

Professor: Evil is everywhere, isn’t it ? And GOD did make everything. Correct?

Student : Yes.

Professor: So who created evil ?

(Student did not answer.)

Professor: Is there sickness? Immorality? Hatred? Ugliness? All these terrible things exist in the world, don’t they?

Student : Yes, sir.

Professor: So, who created them ?

(Student had no answer.)

Professor: Science says you have 5 Senses you use to identify and observe the world around you. Tell me, son, have you ever seen GOD?

Student : No, sir.

Professor: Tell us if you have ever heard your GOD?

Student : No , sir.

Professor: Have you ever felt your GOD, tasted your GOD, smelt your GOD? Have you ever had any sensory perception of GOD for that matter?

Student : No, sir. I’m afraid I haven’t.

Professor: Yet you still believe in Him?

Student : Yes.

Professor : According to Empirical, Testable, Demonstrable Protocol, Science says your GOD doesn’t exist. What do you say to that, son?

Student : Nothing. I only have my faith.

Professor: Yes, faith. And that is the problem Science has.

Student : Professor, is there such a thing as heat?

Professor: Yes.

Student : And is there such a thing as cold?

Professor: Yes.

Student : No, sir. There isn’t.

(The lecture theater became very quiet with this turn of events.)

Student : Sir, you can have lots of heat, even more heat, superheat, mega heat, white heat, a little heat or no heat. But we don’t have anything called cold. We can hit 458 degrees below zero which is no heat, but we can’t go any further after that. There is no such thing as cold. Cold is only a word we use to describe the absence of heat. We cannot measure cold. Heat is energy. Cold is not the opposite of heat, sir, just the absence of it.

(There was pin-drop silence in the lecture theater.)

Student : What about darkness, Professor? Is there such a thing as darkness?

Professor: Yes. What is night if there isn’t darkness?

Student : You’re wrong again, sir. Darkness is the absence of something. You can have low light, normal light, bright light, flashing light. But if you have no light constantly, you have nothing and its called darkness, isn’t it? In reality, darkness isn’t. If it is, well you would be able to make darkness darker, wouldn’t you?

Professor: So what is the point you are making, young man ?

Student : Sir, my point is your philosophical premise is flawed.

Professor: Flawed ? Can you explain how?

Student : Sir, you are working on the premise of duality. You argue there is life and then there is death, a good GOD and a bad GOD. You are viewing the concept of GOD as something finite, something we can measure. Sir, Science can’t even explain a thought. It uses electricity and magnetism, but has never seen, much less fully understood either one. To view death as the opposite of life is to be ignorant of the fact that death cannot exist as a substantive thing.

Death is not the opposite of life: just the absence of it. Now tell me, Professor, do you teach your students that they evolved from a monkey?

Professor: If you are referring to the natural evolutionary process, yes, of course, I do.

Student : Have you ever observed evolution with your own eyes, sir?

(The Professor shook his head with a smile, beginning to realize where the argument was going.)

Student : Since no one has ever observed the process of evolution at work and cannot even prove that this process is an on-going endeavor. Are you not teaching your opinion, sir? Are you not a scientist but a preacher?

(The class was in uproar.)

Student : Is there anyone in the class who has ever seen the Professor’s brain?

(The class broke out into laughter. )

Student : Is there anyone here who has ever heard the Professor’s brain, felt it, touched or smelt it? No one appears to have done so. So, according to the established Rules of Empirical, Stable, Demonstrable Protocol, Science says that you have no brain, sir. With all due respect, sir, how do we then trust your lectures, sir?

(The room was silent. The Professor stared at the student, his face unfathomable.)

Professor: I guess you’ll have to take them on faith, son.

Student : That is it sir … Exactly ! The link between man & GOD is FAITH. That is all that keeps things alive and moving.

P.S.

I believe you have enjoyed the conversation. And if so, you’ll probably want your friends / colleagues to enjoy the same, won’t you?

Forward this to increase their knowledge … or FAITH.

By the way, that student was EINSTEIN

Pep Guardiola's Career

1971: Born January 18 in Manresa, Barcelona. Nicknamed 'Pep'.

1990: December - Makes Barcelona debut against Cadiz. Coach Johan Cruyff converts him from right wing to centre midfield.

1991: Makes four league appearances as Barca win Primera Division.

1992: May - Helps Barca retain league title and win European Cup, beating Sampdoria 1-0 at Wembley.

August - Scores in Olympic final in Barcelona against Ghana as Spain take gold medal.

October - Makes full international debut in Belfast against Northern Ireland.

1993: Makes 28 appearances as Barca win third consecutive title.

1994: The Cruyff 'Dream Team' make it four league wins in a row, with Guardiola as captain on last day of the season.

1995: Scores his first two top-flight goals, but Barca are beaten to the title by Real Madrid.

1996: Cruyff quits. Barca make Copa del Rey final, but are beaten by Atletico Madrid in Copa and the league. Spain coach Javier Clemente leaves Guardiola out of Euro '96 squad.

1997: Barca, under Bobby Robson, win Copa del Rey and European Cup Winners' Cup but again finish behind Madrid in league. Louis van Gaal becomes new trainer at Camp Nou.

1998: Barcelona beat Borussia Dortmund 3-1 on aggregate to take last European Super Cup played over two legs. Van Gaal's side also win La Liga and Copa del Rey but Guardiola plays only six times and misses out on World Cup squad place.

1999: Barca retain league, but fail to make the Champions League final at the Camp Nou. Guardiola plays 22 times, scoring once.

2000: Barca defeated 5-3 on aggregate by Valencia in Champions League semi-finals. Finish second in Primera Division, five points behind Deportivo La Coruna. Plays in all four of Spain's Euro 2000 games.

2001: June - Barca finish season in fourth. Knocked out of Copa del Rey at last-four stage by Celta Vigo. The 1-1 second-leg draw at Camp Nou is Guardiola's last game in theBlaugrana shirt.

September - Signs for Brescia in Serie A.

November 11 - Banned from Italian football, having tested positive for nandrolone after Brescia's 1-0 win over Piacenza on October 21.

November 28 - Tests positive for nandrolone again after match against Lazio on November 4. Later banned for a total of four months by Lega Calcio and fined €2,000.

2002: Signs for Roma but plays only four games in his one season at the club. Returns to Brescia in winter transfer window where, along with Roberto Baggio, he is key in helping them avoid relegation.

2003: Signs for Qatari side Al-Ahly for two seasons and has an immediate impact, winning the best foreign newcomer award.

2005: After a coaching course in Spain, joins Dorados de Sinaloa in Mexico in December, but only plays until March before returning to finish the course.

2006: July - Becomes a qualified coach.

November - Announces his retirement from playing.

2007: July - Named as coach of Barcelona B.

October - Cleared of drug charges from six years earlier.

2008: Named head coach of Barcelona, to replace Frank Rijkaard on June 30.

2009: May 2 - Steers Barca to 6-2 victory over Real Madrid at the Bernabeu.

May 13 - Barcelona defeat Athletic Bilbao 4-1 to win the Copa del Rey and earn Guardiola first silverware as coach.

May 16 - Madrid's defeat at Villarreal secures Barca a first league title since 2006.

May 27 - Barca beat Manchester United 2-0 in Champions League final to become the first Spanish club to complete the treble.

August - Wins European Super Cup with a 1-0 victory over Shakhtar Donetsk and the Spanish Supercopa with 5-1 aggregate win over Athletic Bilbao.

December 19 - Barca claim their sixth trophy of the year with a 2-1 win over Estudiantes in the Club World Cup.

2010: April 10 - Becomes the first manager in Barcelona's history to beat Real Madrid four times in a row in El Clasico.

April 28 - Knocked out of Champions League at semi-final stage, going down 3-2 on aggregate to eventual champions Inter Milan.

May - Steers Barca to 20th La Liga title with a European record of 99 points.

July 14 - Signs one-year contract extension to remain at the Camp Nou until June 30, 2011.

November 29 - Leads Barca to a famous 5-0Clasico victory over Jose Mourinho's Real Madrid.

2011: February - Signs one-year contract extension to keep him at Barca until June 2012.

April 26 - Leads Barca to Copa Del Rey final for second year in a row but they lose 1-0 to Real Madrid.

May 2 - Guides Barca to their second Champions League final in three years, beating Real Madrid over two-legged semi.

May 11 - Leads Barca to third straight Primera Division title, secured with two games to spare by 1-1 draw at Levante.

May 28 - Wins Champions League for the second time as Barca coach, beating Manchester United 3-1 at Wembley.

August - Leads Barcelona to victories in the Spanish Supercopa and UEFA Super Cup.

December 18 - Barca beat Santos 4-0 in the FIFA Club World Cup final.

2012: April 21 - Barca lose 2-1 at home to Real Madrid - a result which puts Mourinho's men seven points clear with just four games remaining.

April 24 - Barca only manage a 2-2 draw at home to Chelsea in the second leg of their Champions League semi-final, meaning they go out 3-2 on aggregate.

April 27 - Announces he will not renew his contract and will leave Barca at the end of the season.

source: soccernet.com