My birthday treat from my hubby for this year was having a dinner at Cheng Ho restaurant which is belong to Amy Search. We order set 1 which was 4 dishes + rice + Chinese tea. For dishes, I ordered Tom Yam Seafood, Chicken Kung Po, Stir fried vegetable, Cheng Ho style Siakap. I did add 1 rice for another person and 3 drinks (fresh orange, fresh apple and lychee). All for RM86.90. My comment ..... maybe I put very high expectation especially when comes to celebrity. I used to eat Chinese food at 5 star hotel. Of course my boss treat us. He love Chinese food.
Service - I give 3 stars. No welcoming wishes. No smiling face at cashier counter. OK, I admit, we quiet early. We reached about 6.10pm. They open on 6.15pm. So we have to wait a few minute to be serve. So what customer always right. We bring money to their doorstep... Terukkan. But food serves every fast. Maybe we are the only customer at that time. I show a lot table been reserved. It's mean Amy's restaurant consider ok and that restaurant been almost 2 years. So hopefully, they can least longer.
Food - 3 stars. I have tease Chinese food much better than this restaurant. hihih. But overall quite nice. I like the tom yam one. I think they add santan. Well, so far I know, tom yam is not Chinese food. Maybe some customer asked for it so they add in menu or they want little different from others Chinese restaurant. Drinks - I like lychee, tease quite nice compare with fresh orange and apple. Tekak lain lain.
Cleanliness - 1 star. I think they can do much better. They open only during lunch and dinner time. And they closed between that time. I show a lot spider web at ceiling and each corner and fan covered with dusk. Like 2-3 months didn't swap. And floor, it's like stepping at mamak restaurant. The floor so dirty. They used homogeneous tile. So got dirty stick at tile. If mamak restaurant, I can understand, they opened 24 hours sure they don't have time to clean up. But this restaurant have a lot of time to do overhaul clean up to do.
Toilet. 3 stars. here much better
Surau - I didnt have opportunity to go surau because we finished early about 7.25pm. So rush to pray at our house.
Oh ya. During lunch time, my friend treat me at Musa Cafe, which is belongs to Ummi Nazira's brother. We had pan fried fish with creamy cause. We ordered lunch promotion, main course plus ice lemon tea cost RM13. Overall ok le. The fish got smelly tease and to oily. hihi. Drink.. ermm Mc Donald ice lemon tea still the best. We didn't went to their boutique due lack of time. But we enjoyed seat at outside with kerusi goyang. And some extra black pepper... my friend said, mean dust coz the restaurant next to main road - jln ampang. And plus cake from Secret Recipe - chocolate indulgence - my favorite
Monday, December 13, 2010
Sunday, November 7, 2010
6 Careers You Can Do From Home
by Claire Bradley (Yahoo)
Working from home can be a great career option for people with all skillsets and lifestyles. You can set your own hours and even work in your pajamas - a pretty appealing alternative to the old nine-to-five in a cubicle. Here are six careers you can do from home, and how you can get started.
1. Personal Chef
If cooking is your passion, becoming a personal chef may just be the job for you. This job can mean that you cook a week's worth of meals in a client's home, for instance, or you can look at delivering gourmet meals - the alternative to the old pizza delivery. With today's high-pressure jobs and families where both parents work full time, this type of service is becoming more desirable, particularly in urban areas. Be sure to understand local regulations regarding the kitchen you prepare the food in; many states require you to have a kitchen separate from your home, and may inspect for health code adhesion.
2. Birthday Party Planning
If you talk to any parent, they'll tell you: planning a birthday party is hard work, and a challenge when you're busy. Where there's a need, there's a job, and birthday party planning can be a great career if you're creative, like kids and can work weekends when parties are often held. You can also plan retirement parties, promotions - any event you think you can handle. For the best changes at earning a good income, make sure you research local rates and competition and understand your liability, particularly if you'll be working with little ones.
3. Home Staging
It's a tough real estate market out there. To sell your house in this buyer's market, it needs to look its best, and home staging can make all the difference. If you have an eye for design, home staging may just be the career for you; there are no education requirements, and although there are many courses and professional organizations for home stagers, they're not required to be successful in the field. Take some time to research rates in your area and practice staging your home or a friend's. Think about what services you'll want to offer, and the startup costs you'll incur. Networking with realtors can be very helpful in generating business.
4. Web Design
Are you computer savvy, and do you have an eye for detail? A career in web design may be for you. Even if you don't have the skills, consider going back to school to learn; there are many online courses, and current education tax benefits can make the bottom-line expense very low. Before you hunt for jobs, think whether you'll be starting your own business or work as a freelancer - the two are very different tax and legal-wise. Check with the IRS on tax obligations, and with your local small business chapter.
5. Virtual Assistant
With today's uncertain economy, more businesses are looking to hire temporary or per-project help, sometimes in the form of a virtual assistant. A virtual assistant can handle anything from receptionist duties to bookkeeping, depending on your expertise and the client's needs. For work in this field, look to online job boards. Tell your friends and family you're looking for administrative-type work to do from home, and check with any old business contacts you may have. Virtual assistants are still a fairly new concept, so expect to have to explain what you do a few times before generating business.
6. Tutoring Service
These days, problems are increasingly solved with use of the internet, including tutoring services. Work as a tutor can be helping a child with homework, or teaching adults how to use a computer - if you have a specific skill, you can become a tutor. You can find work on job boards, or at online colleges. If you have a college degree in your expertise (like math, or English), your chances at building a successful career as a tutor will be even better.
The Bottom Line
These six careers are just the tip of the iceberg when it comes to at-home careers. For the best chance at success, look at your previous career for a start - you may be able to work as a consultant. At-home careers are a great way to explore your passion and make a living too. Earnings can vary greatly, depending on your expertise and experience, so take time to research before setting your rates. Make sure you understand your tax obligation, and whether you might be best off starting a small business to protect yourself legally. Your local small business organization or SCORE chapter is great place to get some help. Whether you're designing web pages or starting a small business as a party planner, working from home can be a great way to forge own your career path - and avoid the cubicle doldrums, too.
Working from home can be a great career option for people with all skillsets and lifestyles. You can set your own hours and even work in your pajamas - a pretty appealing alternative to the old nine-to-five in a cubicle. Here are six careers you can do from home, and how you can get started.
1. Personal Chef
If cooking is your passion, becoming a personal chef may just be the job for you. This job can mean that you cook a week's worth of meals in a client's home, for instance, or you can look at delivering gourmet meals - the alternative to the old pizza delivery. With today's high-pressure jobs and families where both parents work full time, this type of service is becoming more desirable, particularly in urban areas. Be sure to understand local regulations regarding the kitchen you prepare the food in; many states require you to have a kitchen separate from your home, and may inspect for health code adhesion.
2. Birthday Party Planning
If you talk to any parent, they'll tell you: planning a birthday party is hard work, and a challenge when you're busy. Where there's a need, there's a job, and birthday party planning can be a great career if you're creative, like kids and can work weekends when parties are often held. You can also plan retirement parties, promotions - any event you think you can handle. For the best changes at earning a good income, make sure you research local rates and competition and understand your liability, particularly if you'll be working with little ones.
3. Home Staging
It's a tough real estate market out there. To sell your house in this buyer's market, it needs to look its best, and home staging can make all the difference. If you have an eye for design, home staging may just be the career for you; there are no education requirements, and although there are many courses and professional organizations for home stagers, they're not required to be successful in the field. Take some time to research rates in your area and practice staging your home or a friend's. Think about what services you'll want to offer, and the startup costs you'll incur. Networking with realtors can be very helpful in generating business.
4. Web Design
Are you computer savvy, and do you have an eye for detail? A career in web design may be for you. Even if you don't have the skills, consider going back to school to learn; there are many online courses, and current education tax benefits can make the bottom-line expense very low. Before you hunt for jobs, think whether you'll be starting your own business or work as a freelancer - the two are very different tax and legal-wise. Check with the IRS on tax obligations, and with your local small business chapter.
5. Virtual Assistant
With today's uncertain economy, more businesses are looking to hire temporary or per-project help, sometimes in the form of a virtual assistant. A virtual assistant can handle anything from receptionist duties to bookkeeping, depending on your expertise and the client's needs. For work in this field, look to online job boards. Tell your friends and family you're looking for administrative-type work to do from home, and check with any old business contacts you may have. Virtual assistants are still a fairly new concept, so expect to have to explain what you do a few times before generating business.
6. Tutoring Service
These days, problems are increasingly solved with use of the internet, including tutoring services. Work as a tutor can be helping a child with homework, or teaching adults how to use a computer - if you have a specific skill, you can become a tutor. You can find work on job boards, or at online colleges. If you have a college degree in your expertise (like math, or English), your chances at building a successful career as a tutor will be even better.
The Bottom Line
These six careers are just the tip of the iceberg when it comes to at-home careers. For the best chance at success, look at your previous career for a start - you may be able to work as a consultant. At-home careers are a great way to explore your passion and make a living too. Earnings can vary greatly, depending on your expertise and experience, so take time to research before setting your rates. Make sure you understand your tax obligation, and whether you might be best off starting a small business to protect yourself legally. Your local small business organization or SCORE chapter is great place to get some help. Whether you're designing web pages or starting a small business as a party planner, working from home can be a great way to forge own your career path - and avoid the cubicle doldrums, too.
Tuesday, October 26, 2010
Budget 2011 highlights
Source: NST
KUALA LUMPUR: Following are the highlights of 2011 Budget tabled by Prime Minister Datuk Seri Najib Tun Razak, who is also Finance Minister, at the Dewan Rakyat today:
* A mixed development project including affordable houses to be developed at a cost of RM10 billion in Sungai Buloh and is expected to be completed by 2025.
* Another landmark project "Warisan Merdeka" which includes a 100-storey tower, the tallest in Malaysia, at a cost of RM5 billion to be completed by 2015.
Do we need the tallest building again, after KLCC
* Development of large-scale integrated Aquaculture Zones in Pitas, Sungai Telaga and Sungai Padas in Sabah as well as Batang Ai and Tanjung Manis in Sarawak with an allocation of RM252 million.
* Allocation of RM135 million for basic infrastructure to encourage farmers participation in high value agriculture activities including swiftlet nests.
* Extension of income tax deduction incentive for investors and income tax exemption for companies undertaking food production activities until 2015.
* RM85 million to provide infrastructure facilities to facilitate construction of hotels and resorts in remote areas with the potential to attract tourists.
* RM50 million to construct several shaded walkways in the KLCC-Bukit Bintang vicinity.
Instead buillt shaded walkway cost RM50m, much better improve road
condition at Damansara Heights, Keramat, Setiawangsa, wangsa maju...a
lot of hole, and unsmooth road, man
* Development of world's first integrated eco-nature resort at a cost of RM3 billion by Nexus Karambunai in Sabah to commence next year.
* Abolishing of import duty on 300 goods preferred by tourists and locals, at 5 to 30 per cent, to promote Malaysia as a shopping heaven in Asia.
* RM119 million for the development of local content creation, hosting local content and unlocking new channels for content.
* Exemption of sales tax on all types of mobile phones.
* RM850 million for infrastructure support to accelerate corridor and regional development.
* RM411 million for research, development and commercialisation activity to be the platform for enhancing value-added activities across economic sectors.
* Establishment of a Special Innovation Unit (UNIK) under the Prime Minister's Department with an allocation of RM71 million for next year to commercialise R&D findings by universities and research institutions.
* RM200 million for the purchase of creative products such as high quality, locally-produced films, dramas and documentaries.
* Rate of service tax to be increased from five to six per cent.
* Service tax to be imposed on paid television broadcasting services.
* Strengthening the revenue collection system by increasing enforcement and audit as well as coverage on all parties that should be paying taxes.
* Restructuring and strengthening of education and training with the sum of RM29.3 billion allocated for Education Ministry, RM10.2 billion (Higher Education Ministry) and RM627 million (Human Resource Ministry).
* Establishment of Talent Corporation under the Prime Minister''s Office in early 2011 to develop an expert workforce database as well as collaborate closely with talent networks globally.
* For the Ministry of Education, a sum of RM6.4 billion is allocated for Development Expenditure to build and upgrade schools, hostels, facilities and equipment as well as uphold the status of the teaching profession.
* RM213 million is allocated to reward high performance schools as well as for the remuneration of Principals, Head Teachers and Excellent Teachers.
* The Government will increase pre-school enrolment rate to a targeted 72 per cent by end 2011 through additional 1,700 classes, strengthen the curriculum as well as appoint 800 pre-school graduate teachers.
* The Government also allocates RM111 million for PERMATA programme including the construction of the second phase of Sekolah PERMATA Pintar school complex, 32 PERMATA Children Centres (PAPN) and financing operations of 52 completed PAPNs.
hope its goes to the best result
* RM250 million allocated for Development Expenditure for religious schools, Chinese-type schools, Tamil national schools, missionary schools and Government-assisted schools nationwide.
* Recognising the importance of Islamic education, the Government will provide assistance per capita for primary and secondary rakyat religious schools with an allocation of RM95 million.
* To provide competent and quality teachers and instructors to better guide and educate students, the Government allocates RM576 million in the form of scholarships for those wishing to further their studies.
* RM213 million is allocated to enhance proficiency in Bahasa Malaysia, strengthen the English language as well as streamline the standard curriculum for primary schools.
* The Government will recruit 375 native-speaking teachers including from the United Kingdom and Australia to further enhance teaching of English.
i'm sure a lot of trained and talented local english teachers can do
much more better than spend a lot of money goes to non local
* The number of PhD qualified academic staff will be increased to 75 per cent in research universities and to 60 per cent in other public institutions of higher learning with an allocation of RM20 million.
* Excise duty exemption be increased from 50 per cent to 100 per cent on national vehicles purchased by the disable.
* Existing tax relief of up to a maximum of RM5,000 be extended to cover other expenses such as day care centre, cost incurred to employ caretakers for parents and other daily needs such as diapers.
* Stamp duty exemption of 50 per cent be given on loan agreement instruments to finance first-time purchase of houses.
* Full import duty and 50 per cent excise duty exemption was granted to franchise holders of hybrid cars.
* Implementation of 1Malaysia Training Programme by Community Colleges, National Youth Training Institutes, Giat Mara and Industrial Training Institutes to commence in January 2011 with an allocation of RM500 million.
* The establishment of National Wage Consultation Council as the main platform for wage determination.
* The establishment of 1Malaysia Youth Fund with an allocation of RM20 million.
* Monthly allowance for KAFA teachers will be increased to RM800 compared with RM500 currently.
* Increase in monthly allowance for the Chairman of JKKK and JKKP, Tok Batin, Chairman of JKKK Orang Asli and Chairman of Kampung Baru to RM800 compared with RM450 currently.
* Increase in meeting attending allowance to all comittee members from RM30 to RM50.
* Special Financial Assistance amounting to RM500 to be provided to all civil servants from Grade 54 and below, including contract officers and retirees.
* The abolishment of the Competency Level Assessment or PTK to be replaced with a more suitable evaluation system by June 2011.
* Extension of services of Pegawai Khidmat Singkat for an additional period of one year from December 2010.
* Raising the amount of loan from RM10,000 to RM20,000 for additional works on low-cost houses for Support Group Two.
* Raising the maximum loan eligibility to RM450,000 compared with RM360,000 currently, effective January 1, 2011.
* Increasing the rate for Funeral Arrangement Assistance to RM3,000.
* Allowing flexibility to self-determine fully-paid maternity leave not exceeding 90 days from the current 60 days subject to a total of 300 days of maternity leave throughout the tenure of service.
* Introduction of "Skim Rumah Pertamaku" which will provide a guarantee on down payment of 10 per cent for houses below RM220,000 for first-time house buyers.
* To assist estate workers to own low-cost houses through a scheme managed by BSN.
* Construction and repair of 12,000 houses nationwide particularly in Sabah and Sarawak with an allocation of RM300 million.
* Establishment of a "1Malaysia Smart Consumer" portal.
* Introduction of the Distribution of Essential Goods programme to standardise prices across areas.
* Introduction of the Retail Shop Transformation Programme, Automotive Workshop and Community Market projects.
* The launch of a Private Pension Fund in 2011.
* The launch of Bumiputera Property Trust Foundation with the size of RM1 billion and syariah-compliant.
* To assist children particularly those from the low-income group to excel academically, the 1MDB will provide multi-vitamins for primary school students.
* Rebate of electricity bill payment for monthly consumption of below RM20 will be continued.
* The toll rates in four highways owned by PLUS Expressway Berhad will not be raised for the next five years effective immediately.
* A review of the current minimum bankruptcy limit of RM30,000.
* The application for Permanent Resident status may be submitted after five years of residence.
* Providing four buses for Mobile Clinic.
* Formulating a new development model for Orang Asli.
* JHEOA will be restructured and strengthened as Jabatan Kemajuan Orang Asli.
Read more: Budget 2011 highlights http://www.nst.com.my/nst/articles/Budget2011highlights/Article/#ixzz13RmxD4i1
KUALA LUMPUR: Following are the highlights of 2011 Budget tabled by Prime Minister Datuk Seri Najib Tun Razak, who is also Finance Minister, at the Dewan Rakyat today:
* A mixed development project including affordable houses to be developed at a cost of RM10 billion in Sungai Buloh and is expected to be completed by 2025.
* Another landmark project "Warisan Merdeka" which includes a 100-storey tower, the tallest in Malaysia, at a cost of RM5 billion to be completed by 2015.
Do we need the tallest building again, after KLCC
* Development of large-scale integrated Aquaculture Zones in Pitas, Sungai Telaga and Sungai Padas in Sabah as well as Batang Ai and Tanjung Manis in Sarawak with an allocation of RM252 million.
* Allocation of RM135 million for basic infrastructure to encourage farmers participation in high value agriculture activities including swiftlet nests.
* Extension of income tax deduction incentive for investors and income tax exemption for companies undertaking food production activities until 2015.
* RM85 million to provide infrastructure facilities to facilitate construction of hotels and resorts in remote areas with the potential to attract tourists.
* RM50 million to construct several shaded walkways in the KLCC-Bukit Bintang vicinity.
Instead buillt shaded walkway cost RM50m, much better improve road
condition at Damansara Heights, Keramat, Setiawangsa, wangsa maju...a
lot of hole, and unsmooth road, man
* Development of world's first integrated eco-nature resort at a cost of RM3 billion by Nexus Karambunai in Sabah to commence next year.
* Abolishing of import duty on 300 goods preferred by tourists and locals, at 5 to 30 per cent, to promote Malaysia as a shopping heaven in Asia.
* RM119 million for the development of local content creation, hosting local content and unlocking new channels for content.
* Exemption of sales tax on all types of mobile phones.
* RM850 million for infrastructure support to accelerate corridor and regional development.
* RM411 million for research, development and commercialisation activity to be the platform for enhancing value-added activities across economic sectors.
* Establishment of a Special Innovation Unit (UNIK) under the Prime Minister's Department with an allocation of RM71 million for next year to commercialise R&D findings by universities and research institutions.
* RM200 million for the purchase of creative products such as high quality, locally-produced films, dramas and documentaries.
* Rate of service tax to be increased from five to six per cent.
* Service tax to be imposed on paid television broadcasting services.
* Strengthening the revenue collection system by increasing enforcement and audit as well as coverage on all parties that should be paying taxes.
* Restructuring and strengthening of education and training with the sum of RM29.3 billion allocated for Education Ministry, RM10.2 billion (Higher Education Ministry) and RM627 million (Human Resource Ministry).
* Establishment of Talent Corporation under the Prime Minister''s Office in early 2011 to develop an expert workforce database as well as collaborate closely with talent networks globally.
* For the Ministry of Education, a sum of RM6.4 billion is allocated for Development Expenditure to build and upgrade schools, hostels, facilities and equipment as well as uphold the status of the teaching profession.
* RM213 million is allocated to reward high performance schools as well as for the remuneration of Principals, Head Teachers and Excellent Teachers.
* The Government will increase pre-school enrolment rate to a targeted 72 per cent by end 2011 through additional 1,700 classes, strengthen the curriculum as well as appoint 800 pre-school graduate teachers.
* The Government also allocates RM111 million for PERMATA programme including the construction of the second phase of Sekolah PERMATA Pintar school complex, 32 PERMATA Children Centres (PAPN) and financing operations of 52 completed PAPNs.
hope its goes to the best result
* RM250 million allocated for Development Expenditure for religious schools, Chinese-type schools, Tamil national schools, missionary schools and Government-assisted schools nationwide.
* Recognising the importance of Islamic education, the Government will provide assistance per capita for primary and secondary rakyat religious schools with an allocation of RM95 million.
* To provide competent and quality teachers and instructors to better guide and educate students, the Government allocates RM576 million in the form of scholarships for those wishing to further their studies.
* RM213 million is allocated to enhance proficiency in Bahasa Malaysia, strengthen the English language as well as streamline the standard curriculum for primary schools.
* The Government will recruit 375 native-speaking teachers including from the United Kingdom and Australia to further enhance teaching of English.
i'm sure a lot of trained and talented local english teachers can do
much more better than spend a lot of money goes to non local
* The number of PhD qualified academic staff will be increased to 75 per cent in research universities and to 60 per cent in other public institutions of higher learning with an allocation of RM20 million.
* Excise duty exemption be increased from 50 per cent to 100 per cent on national vehicles purchased by the disable.
* Existing tax relief of up to a maximum of RM5,000 be extended to cover other expenses such as day care centre, cost incurred to employ caretakers for parents and other daily needs such as diapers.
* Stamp duty exemption of 50 per cent be given on loan agreement instruments to finance first-time purchase of houses.
* Full import duty and 50 per cent excise duty exemption was granted to franchise holders of hybrid cars.
* Implementation of 1Malaysia Training Programme by Community Colleges, National Youth Training Institutes, Giat Mara and Industrial Training Institutes to commence in January 2011 with an allocation of RM500 million.
* The establishment of National Wage Consultation Council as the main platform for wage determination.
* The establishment of 1Malaysia Youth Fund with an allocation of RM20 million.
* Monthly allowance for KAFA teachers will be increased to RM800 compared with RM500 currently.
* Increase in monthly allowance for the Chairman of JKKK and JKKP, Tok Batin, Chairman of JKKK Orang Asli and Chairman of Kampung Baru to RM800 compared with RM450 currently.
* Increase in meeting attending allowance to all comittee members from RM30 to RM50.
* Special Financial Assistance amounting to RM500 to be provided to all civil servants from Grade 54 and below, including contract officers and retirees.
* The abolishment of the Competency Level Assessment or PTK to be replaced with a more suitable evaluation system by June 2011.
* Extension of services of Pegawai Khidmat Singkat for an additional period of one year from December 2010.
* Raising the amount of loan from RM10,000 to RM20,000 for additional works on low-cost houses for Support Group Two.
* Raising the maximum loan eligibility to RM450,000 compared with RM360,000 currently, effective January 1, 2011.
* Increasing the rate for Funeral Arrangement Assistance to RM3,000.
* Allowing flexibility to self-determine fully-paid maternity leave not exceeding 90 days from the current 60 days subject to a total of 300 days of maternity leave throughout the tenure of service.
* Introduction of "Skim Rumah Pertamaku" which will provide a guarantee on down payment of 10 per cent for houses below RM220,000 for first-time house buyers.
* To assist estate workers to own low-cost houses through a scheme managed by BSN.
* Construction and repair of 12,000 houses nationwide particularly in Sabah and Sarawak with an allocation of RM300 million.
* Establishment of a "1Malaysia Smart Consumer" portal.
* Introduction of the Distribution of Essential Goods programme to standardise prices across areas.
* Introduction of the Retail Shop Transformation Programme, Automotive Workshop and Community Market projects.
* The launch of a Private Pension Fund in 2011.
* The launch of Bumiputera Property Trust Foundation with the size of RM1 billion and syariah-compliant.
* To assist children particularly those from the low-income group to excel academically, the 1MDB will provide multi-vitamins for primary school students.
* Rebate of electricity bill payment for monthly consumption of below RM20 will be continued.
* The toll rates in four highways owned by PLUS Expressway Berhad will not be raised for the next five years effective immediately.
* A review of the current minimum bankruptcy limit of RM30,000.
* The application for Permanent Resident status may be submitted after five years of residence.
* Providing four buses for Mobile Clinic.
* Formulating a new development model for Orang Asli.
* JHEOA will be restructured and strengthened as Jabatan Kemajuan Orang Asli.
Read more: Budget 2011 highlights http://www.nst.com.my/nst/articles/Budget2011highlights/Article/#ixzz13RmxD4i1
Monday, October 25, 2010
Parents: Help Your Adult Kids Manage Money
By Kimberly Palmer
Posted: October 22, 2010 (Yahoo.com)
If you have adult children in their 20s and 30s, you probably know your job isn’t over yet. Whether you’re providing financial support or just giving advice from a distance, there are ways you can help them become more financially secure so they don’t depend on the bank of mom and dad forever.
These tips, adapted from the new book Generation Earn: The Young Professional’s Guide to Spending, Investing, and Giving Back, will help you teach your grown children how to be smarter with their money.
Encourage them to save like crazy. If you’re like most Americans, you might not have set the best example in the savings department. But the recession convinced a lot of people that putting money in the bank is more important than upgrading their lifestyle. Plus, your 20- and 30-something children probably anticipate funding more of their own retirements, since the Social Security trust fund will start taking in less than it pays out around 2016. Just-released numbers from Charles Schwab reveal that almost half of the general population say they do not plan on counting on Social Security as a source of income in retirement.
If your adult children can get in the habit of saving one-third of their income, they’ll be on their path toward a comfortable retirement and financial security. If that’s too ambitious, suggest that they start slowly, beginning with two percent a year. They can raise that percentage over time.
But tell them to invest in their careers. Now—in their 20s and 30s—is the time for them to spend money on services that could help them get ahead. It might mean hiring a career consultant, life coach, or even a personal shopper to help them look the part of a young professional. For some, a return to school pays off—but make sure they’re not just running up debt. As the recession took hold in 2008 and 2009, many recent grads were wishing they weren’t looking for work while carrying around $200,000 of debt from getting advanced degrees, even allegedly lucrative ones, such as MBAs. It’s always a good idea to talk to recent graduates about career prospects before making the decision.
Offer to brainstorm with them about their goals. Chances are their first job out of school isn’t going to be their last. On average, young people hold ten different jobs before age 36. While a lot of this flux is a result of trial-and-error, you can give them a step up by offering to brainstorm with them about all of the possibilities. What are their passions? Their skills? Their favorite hobbies? Offering to spend an hour with them brainstorming over coffee can help them shake loose latent ideas—and as long as you do it without judgment, it can provide some enjoyable parent-child bonding.
Help demystify the world of investing. Index funds, the Dow, target-date funds… the world of investing can be confusing and intimidating. If you’re not familiar with it yourself, read up on the markets through financial news websites and then chat about it with your kids. Maybe you can educate each other. The sooner you can get your adult children to start investing, the better, because then they’ll have the power of compound interest on their side.
Consider providing limited financial support. Before even entertaining the notion of giving your grown children money, check that you're on solid financial footing yourself. If you are financially stable and you want to give some cash to your adult children, make sure you’re not setting up a cycle of dependence. If your money ends up going towards frivolous purchases like vacations and cars, you should probably freeze those payments. But if you’re helping a hardworking son or daughter afford an internship in an expensive city, there's little reason to hold back, other than your own budget. If you can’t afford financial help, consider giving in other ways, by offering the occasional home-cooked meal, babysitting services for grandchildren, or even just a listening ear.
Invite them to move in, but only if it helps you, too. A 2010 study from the Pew Research Center found that multi-generational living in the United States is at a fifty-year high, partly because of the down economy. Some 49 million Americans—16 percent of the population—now live in homes containing two or more adult generations. The arrangement can benefit both parents and adult children, as long as it’s done right: Each generation has to contribute something, whether it’s bill payments, chores, or some other kind of help around the house. Otherwise, free-riding leads to resentment and tense relationships.
This article is adapted with permission from Kimberly Palmer’s new book Generation Earn: The Young Professional’s Guide to Spending, Investing, and Giving Back (Ten Speed Press
Posted: October 22, 2010 (Yahoo.com)
If you have adult children in their 20s and 30s, you probably know your job isn’t over yet. Whether you’re providing financial support or just giving advice from a distance, there are ways you can help them become more financially secure so they don’t depend on the bank of mom and dad forever.
These tips, adapted from the new book Generation Earn: The Young Professional’s Guide to Spending, Investing, and Giving Back, will help you teach your grown children how to be smarter with their money.
Encourage them to save like crazy. If you’re like most Americans, you might not have set the best example in the savings department. But the recession convinced a lot of people that putting money in the bank is more important than upgrading their lifestyle. Plus, your 20- and 30-something children probably anticipate funding more of their own retirements, since the Social Security trust fund will start taking in less than it pays out around 2016. Just-released numbers from Charles Schwab reveal that almost half of the general population say they do not plan on counting on Social Security as a source of income in retirement.
If your adult children can get in the habit of saving one-third of their income, they’ll be on their path toward a comfortable retirement and financial security. If that’s too ambitious, suggest that they start slowly, beginning with two percent a year. They can raise that percentage over time.
But tell them to invest in their careers. Now—in their 20s and 30s—is the time for them to spend money on services that could help them get ahead. It might mean hiring a career consultant, life coach, or even a personal shopper to help them look the part of a young professional. For some, a return to school pays off—but make sure they’re not just running up debt. As the recession took hold in 2008 and 2009, many recent grads were wishing they weren’t looking for work while carrying around $200,000 of debt from getting advanced degrees, even allegedly lucrative ones, such as MBAs. It’s always a good idea to talk to recent graduates about career prospects before making the decision.
Offer to brainstorm with them about their goals. Chances are their first job out of school isn’t going to be their last. On average, young people hold ten different jobs before age 36. While a lot of this flux is a result of trial-and-error, you can give them a step up by offering to brainstorm with them about all of the possibilities. What are their passions? Their skills? Their favorite hobbies? Offering to spend an hour with them brainstorming over coffee can help them shake loose latent ideas—and as long as you do it without judgment, it can provide some enjoyable parent-child bonding.
Help demystify the world of investing. Index funds, the Dow, target-date funds… the world of investing can be confusing and intimidating. If you’re not familiar with it yourself, read up on the markets through financial news websites and then chat about it with your kids. Maybe you can educate each other. The sooner you can get your adult children to start investing, the better, because then they’ll have the power of compound interest on their side.
Consider providing limited financial support. Before even entertaining the notion of giving your grown children money, check that you're on solid financial footing yourself. If you are financially stable and you want to give some cash to your adult children, make sure you’re not setting up a cycle of dependence. If your money ends up going towards frivolous purchases like vacations and cars, you should probably freeze those payments. But if you’re helping a hardworking son or daughter afford an internship in an expensive city, there's little reason to hold back, other than your own budget. If you can’t afford financial help, consider giving in other ways, by offering the occasional home-cooked meal, babysitting services for grandchildren, or even just a listening ear.
Invite them to move in, but only if it helps you, too. A 2010 study from the Pew Research Center found that multi-generational living in the United States is at a fifty-year high, partly because of the down economy. Some 49 million Americans—16 percent of the population—now live in homes containing two or more adult generations. The arrangement can benefit both parents and adult children, as long as it’s done right: Each generation has to contribute something, whether it’s bill payments, chores, or some other kind of help around the house. Otherwise, free-riding leads to resentment and tense relationships.
This article is adapted with permission from Kimberly Palmer’s new book Generation Earn: The Young Professional’s Guide to Spending, Investing, and Giving Back (Ten Speed Press
5 Best Career Tips for Young People
By Kimberly Palmer
Posted: October 12, 2010 (Yahoo.com)
Even in the most prestigious and well-paying professions, job security is hard to find. Instead, financial stability now comes from treating yourself like your most important employee. That means investing in yourself, paying yourself well, and otherwise making sure you’re operating at full speed. These tips, based on the book Generation Earn: The Young Professional’s Guide to Spending, Investing, and Giving Back, will help you take your career to the next level.
Invest in yourself.
Professional coaching can turn you into the star podcaster you’ve dreamed of becoming, or it can teach you how to be a better leader. Sometimes, a career coach or development course can help you get “unstuck” from a career rut. Talk about your goals for the session ahead of time to make sure you get what you want out of it. (The price of one-on-one coaching typically starts at around $200 an hour.) Less formal advice can come from meeting with more experienced colleagues and mentors over lunch or coffee; they will often be happy to talk with you.
Raise your rates.
Chances are you’re not getting paid as much as you’re worth. Do some research on salary comparison websites, such as salary.com or payscale.com. If the estimates seem way off base—which they can, especially if you have an unusual job or one with a difficult-to-understand title—then dig deeper.
If you’re close to a coworker, then ask that person what he or she thinks the pay range should be for a variety of jobs at your workplace to get a sense of how you stack up. If more than a year has passed since your last pay increase—or if you discover that you are underpaid compared to your peers—then it’s time to make your case.
Write a memo that outlines why you deserve a raise, including the contributions you’ve made over the last year. Run the request and your reasons by a trusted friend or family member and rehearse how you plan to bring it up.
Get a second (or third) job.
Diversifying your income is the best way to create job stability. Could you start selling your crafty inventions on etsy.com? Do you enjoy organizing other people’s desks, or designing T-shirts? Or do you have an unusual skill, such as woodworking, that you could advertise on Craigslist.org? Make a list of all of the ways that you could earn money outside of your current job. Then, pick an item on your list and get started, perhaps with a small step such as purchasing a domain name.
Fly solo.
When Tim Bradley, twenty-nine, and his wife, Anne Morrison Bradley, twenty-seven, started brainstorming about the kind of business they could start, they thought about what they love. They settled on two things: their dogs, and design. The couple decided that there was a need for upscale, modern design products for people with pets that they could fill. While Tim was finishing law school and Anne was working in corporate development in Ferndale, Michigan, they hired a graphic designer, formed a company, and built their website, for a total start-up cost of around $5,000
By the end of the first month, The Premium Pet had already made its first $1,000 of sales revenue. While both Tim, a lawyer, and Anne, who works in corporate development, are holding onto their day jobs for now, they know have a backup plan—and a dream for one day making it their full-time job.
Free up your time and energy by outsourcing chores.
Think of money spent on a cleaning service or getting your groceries delivered as investments in your career, because they free up more time (and energy) for you to focus on your day (or night) job. Instead of vacuuming the living room, consider scheduling a creativity session: Block out an hour on the weekend or evening to dedicate to exposing your mind to new ideas. Bring a couple magazines that you would never normally read—a software engineer might want to pick up a copy of Vogue, for example – and a pen and notebook, and see what ideas strike you.
This article is adapted with permission from Kimberly Palmer’s new book Generation Earn: The Young Professional’s Guide to Spending, Investing, and Giving Back (Ten Speed Press).
Posted: October 12, 2010 (Yahoo.com)
Even in the most prestigious and well-paying professions, job security is hard to find. Instead, financial stability now comes from treating yourself like your most important employee. That means investing in yourself, paying yourself well, and otherwise making sure you’re operating at full speed. These tips, based on the book Generation Earn: The Young Professional’s Guide to Spending, Investing, and Giving Back, will help you take your career to the next level.
Invest in yourself.
Professional coaching can turn you into the star podcaster you’ve dreamed of becoming, or it can teach you how to be a better leader. Sometimes, a career coach or development course can help you get “unstuck” from a career rut. Talk about your goals for the session ahead of time to make sure you get what you want out of it. (The price of one-on-one coaching typically starts at around $200 an hour.) Less formal advice can come from meeting with more experienced colleagues and mentors over lunch or coffee; they will often be happy to talk with you.
Raise your rates.
Chances are you’re not getting paid as much as you’re worth. Do some research on salary comparison websites, such as salary.com or payscale.com. If the estimates seem way off base—which they can, especially if you have an unusual job or one with a difficult-to-understand title—then dig deeper.
If you’re close to a coworker, then ask that person what he or she thinks the pay range should be for a variety of jobs at your workplace to get a sense of how you stack up. If more than a year has passed since your last pay increase—or if you discover that you are underpaid compared to your peers—then it’s time to make your case.
Write a memo that outlines why you deserve a raise, including the contributions you’ve made over the last year. Run the request and your reasons by a trusted friend or family member and rehearse how you plan to bring it up.
Get a second (or third) job.
Diversifying your income is the best way to create job stability. Could you start selling your crafty inventions on etsy.com? Do you enjoy organizing other people’s desks, or designing T-shirts? Or do you have an unusual skill, such as woodworking, that you could advertise on Craigslist.org? Make a list of all of the ways that you could earn money outside of your current job. Then, pick an item on your list and get started, perhaps with a small step such as purchasing a domain name.
Fly solo.
When Tim Bradley, twenty-nine, and his wife, Anne Morrison Bradley, twenty-seven, started brainstorming about the kind of business they could start, they thought about what they love. They settled on two things: their dogs, and design. The couple decided that there was a need for upscale, modern design products for people with pets that they could fill. While Tim was finishing law school and Anne was working in corporate development in Ferndale, Michigan, they hired a graphic designer, formed a company, and built their website, for a total start-up cost of around $5,000
By the end of the first month, The Premium Pet had already made its first $1,000 of sales revenue. While both Tim, a lawyer, and Anne, who works in corporate development, are holding onto their day jobs for now, they know have a backup plan—and a dream for one day making it their full-time job.
Free up your time and energy by outsourcing chores.
Think of money spent on a cleaning service or getting your groceries delivered as investments in your career, because they free up more time (and energy) for you to focus on your day (or night) job. Instead of vacuuming the living room, consider scheduling a creativity session: Block out an hour on the weekend or evening to dedicate to exposing your mind to new ideas. Bring a couple magazines that you would never normally read—a software engineer might want to pick up a copy of Vogue, for example – and a pen and notebook, and see what ideas strike you.
This article is adapted with permission from Kimberly Palmer’s new book Generation Earn: The Young Professional’s Guide to Spending, Investing, and Giving Back (Ten Speed Press).
Thursday, July 15, 2010
PUDU JAIL - PENJARA PUDU 1895-2010. THE END OF HISTORICAL BUILDING.
Atas alasan pembangunan, Penjara Pudu dibina pada 1895 kira - kira 115 tahun yang lalu. Sebahagian dari temboknya telah diruntuhkan. Tidak lama lagi, Penjara Pudu hanya tinggal kenangan disebabkan UDA Holdings Bhd telah diberikan kebenaran untuk "membangunkan" penjara tersebut menjadi kawasan komersil iaitu Bukit Bintang City Centre. Projek yang berharga RM5 Billion. Projek tersebut yang akan meliputi kawasan seluas 7.76 hektar itu akan dibangunkan ruang perniagaan, menara pejabat, apartmen servis, hotel, pusat komersial dan rekreasi serta hab pengangkutan awam mini. Lebih detail lagi, dibangunkan dengan dua menara kondominium setinggi 36 tingkat mengandungi 700 unit, podium runcit setinggi dua tingkat dengan 24 unit ruang niaga serta pusat beli belah lima tingkat.
Agak malang buat warga Malaysia, penjara tersebut diruntuhkan semata-mata kerana pembangunan yang hanya menguntungkan sesetengah golongan sahaja. Tambah malang lagi, seorang menteri yang sepatutnya menjaga warisan negara mengatakan Penjara Pudu bukannya dan tidak layak dijadikan warisan negara. Beliau berkata, sesuatu yang dianggap warisan mestilah mempunyai ciri-ciri kebangsaan yang besar nilainya, ciri-ciri sejarah yang membentuk masyarakat serta nilai estetika dan nilai seni bina.
"Penjara semata-mata bukanlah satu warisan yang boleh melonjakkan nilai nasional atau nilai estetika. Namun demikian bagi mereka yang mempunyai kerinduan di zaman lampau, kita boleh menggunakan pintu gerbang sebagai satu preservasi". Tambah kelakar lagi bila beliau menghalang pintu gerbang penjara dirobohkan. Ia dirizabkan dan diletakkan ditempat sesuai. Kalau beliau mengatakan bahawa Penjara Pudu bukannya warisan, kenapa pula pintu gerbang dirizabkan. Robohkan saja.
Mungkin beliau lupa lukisan morul di pagar penjara tersebut dimasukkan di dalam Guinness World Records. Mungkin juga dia lupa penjara itu dibina pada tahun 1895. Seperti kata bekas Perdana Menteri kita, "Melayu Mudah Lupa".
Selepas Penjara Pudu, apa lagi yang akan dipindah dan dirobohkan atas alasan pembanguan yang hanya menguntungkan pihak - pihak tertentu. Malah ada ura - ura mengatakan bahawa Lapangan terbang Sungai Besi dan Universiti Malaya akan dipindahkan.
Source
http://www.prison.gov.my/pride/index.php?view=article&catid=37%3Awarta-sejarah&id=318%3Apenjara-pudu-dalam-kenangan&option=com_content&Itemid=75
http://www.hmetro.com.my/myMetro/articles/PenjaraPudutiadaciriwarisanyangbernilai_Rais/Article/index_html
http://www.bharian.com.my/bharian/articles/RM5bmajutapakPenjaraPudu/Article
Wednesday, July 14, 2010
Dasyatnya Doa Seorang Ibu
Ini saya dapat dari email yang diforward kepada saya. Saya copy and paste je.
Tajuk ceramah - Dasyatnya Doa Seorang Ibu oleh Ustaz Abdullah Mahmud. Dia ustaz untuk angkatan tentera malaysia last time. So kat sini nak share laa info yang menarik kot2 kawan2, kakak2, makcik2,adik2 boleh guna. Agak panjang kalau malas nak baca, baca laa yang nasha tanda ****
Ibu Kita dan Kita Sebagai Ibu
- Lapangnya masa kita ada kaitan dengan keberkatan hidup kita. Kita adalah di bawah siksa Allah bilamasa ada masa untuk buat benda tak baik tapi takdak masa nak buat yang baik
- Jika kita tak pernah kecukupan duit maksudnya kita disiksa Allah
- Setitik air mata ibu jatuh, 10 kebajikan anak hilang so ibu2 jangan jatuh air mata ye and anak jangan bagi ibu jatuh air mata. Menangis kerana anak berjaya dan bukan sedih kerana angkara anak
- Kalau balik tengah malam, buka lampu tengok dan tatap muka ibu, sebab wajah orang tidur akan menampakkan segalanya
Ada 3 mata yang tak dijilat api neraka
- Melihat kaabah sehingga menitis air mata
- Membaca quran sehingga menitis air mata
- Memandang wajah ibu yg sedar tidur / sedar hingga berlinang air mata
3 orang yg kita kena tengok dan selalu pandang dalam hidup, tengok masa tidor!
- Anak
- Ibu
- Suami
Selingan: kata ustaz kalau kita ada perselisih faham dgn suami sampai nak bercerai, tgk laa muka bila dia tidor kalau masih terbit perasan kasih, saying, cinta, rindu atau simpati, janganlah bercerai tapi jika tiada rasa tu semua maksudnya jodoh dah memang takde, boleh proceed pi mahkamah J
- Orang yang selalu menatap and memandang ibunya takkan menangis di hari kematian ibunya… kira tak menangis teruk laa..Bagi siapa yg masih ada ibu, pandang laa selalu
- Adalah menjadi satu dosa jika kita mengguna jari telunjuk untuk menujukkan sesuatu pada ibu
- Kalau ada niat yang baik teruskan laa..Allah akan bersama, jangan takut
- Kalau tak mampu lakukan sesuatu, pasang niat pun mencukupi e.g. tak mampu tolong org, niat nak tolong pun dah memadai
*** Kalau kita tak mampu letakkan diri kita di tempat yang terbaik, Allah akan letakkan kita di tempat terbaik dengan syarat letakan ibu kita di tempat yang terbaik
- Ada kaedah yang mana kita boleh minta pada Allah, “ungkit” kebaikan yang menimpa dengan tujuan untuk makbulkan doa kita. Kaedah tu dipanggil “wasilah amal”. “Ya Allah semalam aku sudah bersedekah sebanyak RM1, kalau itu satu kebaikan jadikanlah ia penyebab makbulnya doaku ini”
*** Paling banyak buat baik dengan ibu kita, lagi mustajab. Makna dia wasilah amal ni sangat berkesan kalau yg dituntut tadi adalah hal hal yang berkaitan kebaikan yang dibuat kepada ibu kita
- Tapi geng kalau sedekah RM1 takkan nak tuntutkan J
- Antara lain yang boleh dituntut adalah apabila kita ditimpa sakit/musibah
- Kalau ditimpa sakit, baca laa Innalillahiwainnaillaihirojjiun,,, then cakap dengan Allah
“Ya Allah, berilah pahala besar untuk sakit yang aku tanggung ini”
“Ya Allah, bagilah aku keampunan dosa atas sakit ku ini”
***Even suapkan anak pun kita boleh tuntut, apatah lagi sedekah kepada ibu dan orang yang memerlukkan.
*** Barang siapa yang tidak mendoakan ibu selepas sembahyang buat ibu yang sudah meninggal maka dikira dia anak derhaka walaupun pada waktu ibunya hidup dia tak pernah menderhaka. Maksudnya jika ibu masih hidup atau telah tiada, selepas setiap solat kita mesti doakannya!
- Doa orang yang masih hidup makbul untuk orang yang hidup dan mati. Jadi doakan ibu kita telah tiada!
*** Doa orang yang mati makbul untuk orang yang masih hidup
Masa ni ustaz tu bagi contoh sadis sket..sedeh gak laa.. pi ke pusara mak kita cakap..“Mak, esok anak saya nak kawin, kalau mak ada tentu mak bahagia engok cucu mak kawinkan” atau “bapa saya nak kawin esok, kalau bapa ada, pasti bapa akan gembira tengok sayakan..” Ustaz kata luahkan kepada ibu/bapa yang telah tiada kerana mereka mendengar dan mereka boleh mendoakan kita dari sana.
Bila lalu kubur, perlahankan dan beri salam! Mereka akan doakan kita “berkatilah si A ini” dan jika tak bagi salam, mereka akan kata “celakahlah orang ini” Jadi, jangan lupa bagi salam next time
Tanda tanda siksa Allah atas muka bumi ni antara lain simpan harta sampai mati tak pernah keluarkan
- Sesiapa yang bersedekah selalu, takkan miskin orang itu selamanya..
- Bila nak berbelanja @ shopping always spare duit untuk sedekah kerana dalam duit kita tu ada hak org susah. Jadi bila orang buta datang masa makan, bagi laa duit sebab kita nak cari org susah untuk sedekah dah amat susah masa sekrg and takde masa jadi Allah hantarkan org2 susah ini untuk kita dapatkan pahala!
*** Jika mak kita sudah meninggal dan semasa hayatnya kita ada peruntukkan wang untuk dia, bila mak kita dah takde teruskan memberi peruntukkan tu sebagai sedekah. Jangan kurangkan peruntukkan!! “Ya Allah, aku sedekahkan bagi pihak ibuku, semoga pahala sedekah ni sampai kepada ibuku”. Itu yang yang buat ibu kita bahagia di sana.
- Kalau kita susah nak bersedekah, bayangkan wajah ibu kita baru kita ringan tangan nak bersedekah
*** Allah panjangkan usia ibu dan bapa supaya dia sakit dan nyanyuk untuk beri syurga pada anak anaknya. Jagalah mereka dengan baik insyallah, syurga balasanya. Jadi kalau tahu ibu/bapa sakit, berebutlah menjaga ibu/bapa kita. Besar sangat pahalanya.
- Allah kalau boleh taknak kita masuk neraka jadi Allah takkan matikan seseorang dalam keadaan kotor dan berdosa jadi dia bagi kita sakit/malu/miskin untuk membersihkan kita sebelum dia mengambil kita
Selalu Bergaduh Dengan Ibu
- Jika ada antara kita yang selalu bergaduh dengan ibu, ada kemungkinan kita diganggu saka
- Antara ganguan saka, selalu mimpi bayi/budak. Dukung bayi, susu bayi or selalu mimpi jatuh dari tempat tinggi/ selalu sakit tulang belakang/ tulang belakang bengkok/ rasa mengantuk selepas asar
- Saka dipindahkan melalui Kasih saying/ Harta pusaka, walaupun sebiji pinggan / Amalan / Sentuhan
Symptom dah terkena saka
- Tak boleh tidor lena tapi bila dekat azan subuh, senang lena
- Bila dah peringakat teruk, di usia tua kita, tgh malam selalu lapar
- Susah nak dapat anak, senang gugur
- Ada rasa kelibat orang lalu
- Yang lagi parah, saka bersetubuh dgn kita, mengandung tapi anak hilang dalam kandungan jadi bila nak beintim, bercakap laa sedikit kerana saka menyerupai suami kita dan dia datang dalam keadaan diam
- Cara hilangkan saka, Zikir “Laillahaillalah” 700,000 sampai habis, insyallah saka akan cair dan keluar dari badan
Antara penyakit saka adalah breast cancer, cancer rahim and cancer tulang. - 3 penyakit yang tiada ubat yang penyakitnya adalah datang dari syaitan adalah cancer, aids and leukemia. Kalau dapat ni pi laa perawatan cara islam jugak.
- Kalau ibu kita sakit cancer dan dia tak mampu berzikir, kita tolong zikirkan
- Kalau ada penyakit was was, bacalah surah al-ikhlas.. “Qulhuwallahuahad…” 1000x sehari
Anak Lari Dari Rumah
- Kalau anak lari dari rumah, gantungkan bajunya dihanger dan anginkan dan hadiahkan surah al-ikhlas setiap hari
- Masa lauangan azan yang pertama, panggilah nama anak kita, insyallah akan sampai panggilan kita kepadanya
Anak Degil
- *** Bila anak dah tidor, duduk di hujung kepala pangil ROH ANAK
- Ni seram sket masa nak buat hehehe..mula2 je lepas tu ok..e.g. Wahai roh anakku "nama anak", jadilah kamu roh yang baik, roh yang bertimbang rasa pada ibu dan bapa, roh yang taat pada Allah, roh yang sayang sesama manusia
Tajuk ceramah - Dasyatnya Doa Seorang Ibu oleh Ustaz Abdullah Mahmud. Dia ustaz untuk angkatan tentera malaysia last time. So kat sini nak share laa info yang menarik kot2 kawan2, kakak2, makcik2,adik2 boleh guna. Agak panjang kalau malas nak baca, baca laa yang nasha tanda ****
Ibu Kita dan Kita Sebagai Ibu
- Lapangnya masa kita ada kaitan dengan keberkatan hidup kita. Kita adalah di bawah siksa Allah bilamasa ada masa untuk buat benda tak baik tapi takdak masa nak buat yang baik
- Jika kita tak pernah kecukupan duit maksudnya kita disiksa Allah
- Setitik air mata ibu jatuh, 10 kebajikan anak hilang so ibu2 jangan jatuh air mata ye and anak jangan bagi ibu jatuh air mata. Menangis kerana anak berjaya dan bukan sedih kerana angkara anak
- Kalau balik tengah malam, buka lampu tengok dan tatap muka ibu, sebab wajah orang tidur akan menampakkan segalanya
Ada 3 mata yang tak dijilat api neraka
- Melihat kaabah sehingga menitis air mata
- Membaca quran sehingga menitis air mata
- Memandang wajah ibu yg sedar tidur / sedar hingga berlinang air mata
3 orang yg kita kena tengok dan selalu pandang dalam hidup, tengok masa tidor!
- Anak
- Ibu
- Suami
Selingan: kata ustaz kalau kita ada perselisih faham dgn suami sampai nak bercerai, tgk laa muka bila dia tidor kalau masih terbit perasan kasih, saying, cinta, rindu atau simpati, janganlah bercerai tapi jika tiada rasa tu semua maksudnya jodoh dah memang takde, boleh proceed pi mahkamah J
- Orang yang selalu menatap and memandang ibunya takkan menangis di hari kematian ibunya… kira tak menangis teruk laa..Bagi siapa yg masih ada ibu, pandang laa selalu
- Adalah menjadi satu dosa jika kita mengguna jari telunjuk untuk menujukkan sesuatu pada ibu
- Kalau ada niat yang baik teruskan laa..Allah akan bersama, jangan takut
- Kalau tak mampu lakukan sesuatu, pasang niat pun mencukupi e.g. tak mampu tolong org, niat nak tolong pun dah memadai
*** Kalau kita tak mampu letakkan diri kita di tempat yang terbaik, Allah akan letakkan kita di tempat terbaik dengan syarat letakan ibu kita di tempat yang terbaik
- Ada kaedah yang mana kita boleh minta pada Allah, “ungkit” kebaikan yang menimpa dengan tujuan untuk makbulkan doa kita. Kaedah tu dipanggil “wasilah amal”. “Ya Allah semalam aku sudah bersedekah sebanyak RM1, kalau itu satu kebaikan jadikanlah ia penyebab makbulnya doaku ini”
*** Paling banyak buat baik dengan ibu kita, lagi mustajab. Makna dia wasilah amal ni sangat berkesan kalau yg dituntut tadi adalah hal hal yang berkaitan kebaikan yang dibuat kepada ibu kita
- Tapi geng kalau sedekah RM1 takkan nak tuntutkan J
- Antara lain yang boleh dituntut adalah apabila kita ditimpa sakit/musibah
- Kalau ditimpa sakit, baca laa Innalillahiwainnaillaihirojjiun,,, then cakap dengan Allah
“Ya Allah, berilah pahala besar untuk sakit yang aku tanggung ini”
“Ya Allah, bagilah aku keampunan dosa atas sakit ku ini”
***Even suapkan anak pun kita boleh tuntut, apatah lagi sedekah kepada ibu dan orang yang memerlukkan.
*** Barang siapa yang tidak mendoakan ibu selepas sembahyang buat ibu yang sudah meninggal maka dikira dia anak derhaka walaupun pada waktu ibunya hidup dia tak pernah menderhaka. Maksudnya jika ibu masih hidup atau telah tiada, selepas setiap solat kita mesti doakannya!
- Doa orang yang masih hidup makbul untuk orang yang hidup dan mati. Jadi doakan ibu kita telah tiada!
*** Doa orang yang mati makbul untuk orang yang masih hidup
Masa ni ustaz tu bagi contoh sadis sket..sedeh gak laa.. pi ke pusara mak kita cakap..“Mak, esok anak saya nak kawin, kalau mak ada tentu mak bahagia engok cucu mak kawinkan” atau “bapa saya nak kawin esok, kalau bapa ada, pasti bapa akan gembira tengok sayakan..” Ustaz kata luahkan kepada ibu/bapa yang telah tiada kerana mereka mendengar dan mereka boleh mendoakan kita dari sana.
Bila lalu kubur, perlahankan dan beri salam! Mereka akan doakan kita “berkatilah si A ini” dan jika tak bagi salam, mereka akan kata “celakahlah orang ini” Jadi, jangan lupa bagi salam next time
Tanda tanda siksa Allah atas muka bumi ni antara lain simpan harta sampai mati tak pernah keluarkan
- Sesiapa yang bersedekah selalu, takkan miskin orang itu selamanya..
- Bila nak berbelanja @ shopping always spare duit untuk sedekah kerana dalam duit kita tu ada hak org susah. Jadi bila orang buta datang masa makan, bagi laa duit sebab kita nak cari org susah untuk sedekah dah amat susah masa sekrg and takde masa jadi Allah hantarkan org2 susah ini untuk kita dapatkan pahala!
*** Jika mak kita sudah meninggal dan semasa hayatnya kita ada peruntukkan wang untuk dia, bila mak kita dah takde teruskan memberi peruntukkan tu sebagai sedekah. Jangan kurangkan peruntukkan!! “Ya Allah, aku sedekahkan bagi pihak ibuku, semoga pahala sedekah ni sampai kepada ibuku”. Itu yang yang buat ibu kita bahagia di sana.
- Kalau kita susah nak bersedekah, bayangkan wajah ibu kita baru kita ringan tangan nak bersedekah
*** Allah panjangkan usia ibu dan bapa supaya dia sakit dan nyanyuk untuk beri syurga pada anak anaknya. Jagalah mereka dengan baik insyallah, syurga balasanya. Jadi kalau tahu ibu/bapa sakit, berebutlah menjaga ibu/bapa kita. Besar sangat pahalanya.
- Allah kalau boleh taknak kita masuk neraka jadi Allah takkan matikan seseorang dalam keadaan kotor dan berdosa jadi dia bagi kita sakit/malu/miskin untuk membersihkan kita sebelum dia mengambil kita
Selalu Bergaduh Dengan Ibu
- Jika ada antara kita yang selalu bergaduh dengan ibu, ada kemungkinan kita diganggu saka
- Antara ganguan saka, selalu mimpi bayi/budak. Dukung bayi, susu bayi or selalu mimpi jatuh dari tempat tinggi/ selalu sakit tulang belakang/ tulang belakang bengkok/ rasa mengantuk selepas asar
- Saka dipindahkan melalui Kasih saying/ Harta pusaka, walaupun sebiji pinggan / Amalan / Sentuhan
Symptom dah terkena saka
- Tak boleh tidor lena tapi bila dekat azan subuh, senang lena
- Bila dah peringakat teruk, di usia tua kita, tgh malam selalu lapar
- Susah nak dapat anak, senang gugur
- Ada rasa kelibat orang lalu
- Yang lagi parah, saka bersetubuh dgn kita, mengandung tapi anak hilang dalam kandungan jadi bila nak beintim, bercakap laa sedikit kerana saka menyerupai suami kita dan dia datang dalam keadaan diam
- Cara hilangkan saka, Zikir “Laillahaillalah” 700,000 sampai habis, insyallah saka akan cair dan keluar dari badan
Antara penyakit saka adalah breast cancer, cancer rahim and cancer tulang. - 3 penyakit yang tiada ubat yang penyakitnya adalah datang dari syaitan adalah cancer, aids and leukemia. Kalau dapat ni pi laa perawatan cara islam jugak.
- Kalau ibu kita sakit cancer dan dia tak mampu berzikir, kita tolong zikirkan
- Kalau ada penyakit was was, bacalah surah al-ikhlas.. “Qulhuwallahuahad…” 1000x sehari
Anak Lari Dari Rumah
- Kalau anak lari dari rumah, gantungkan bajunya dihanger dan anginkan dan hadiahkan surah al-ikhlas setiap hari
- Masa lauangan azan yang pertama, panggilah nama anak kita, insyallah akan sampai panggilan kita kepadanya
Anak Degil
- *** Bila anak dah tidor, duduk di hujung kepala pangil ROH ANAK
- Ni seram sket masa nak buat hehehe..mula2 je lepas tu ok..e.g. Wahai roh anakku "nama anak", jadilah kamu roh yang baik, roh yang bertimbang rasa pada ibu dan bapa, roh yang taat pada Allah, roh yang sayang sesama manusia
Balik Kampung
Pening kepala ni.. semalam hubby beritahu company dia offer dia balik kampung...wawawa....yahoooo...... hihihi... seribu macam rasa. Perasaan aku berbelah bagi nak balik kampung ke tak
a) Kalau balik kg
- Pendidikan anak2 - perancangan aku untuk anak2.. disamping mereka mendapat pendidikan formal, mereka juga mendapat pendidikan agama.. Harapan aku, mereka menjadi macam Dr Danial (pengamal perubatan bebas), Dr Wan (pakar bedah jantung di PPUM). Walaupun mereka mempunyai kerjaya doktor, accountant, banker dll tetapi mereka berpengetahuan dalam agama. Disebabkan itu, aku memilih sekolah agama integrasi... Bila ke sekolah menengah, aku akan hantar ke Maahad Sains.(itupun kalau anak aku dapat 5A). Aku telah memilih sekolah antara yang terbaik dan termampu bagi aku untuk mereka.. Walaupun terpaksa bayar lebih sikit daripada sekolah kerajaan... sikit je. Kalau balik kampung... entah le.. kena survey dulu le..
- aku suka window shopping, office aku sekarang betul2 dekat klcc.. so memanjang ke sana.. panjang je langkah bila ade sale.. kalau balik kg... nmpknya kena pendek langkah sikit..
- persekitaran di kampung, aku tidak hina orang kampung walaupun akupun dibesarkan di bandar kecil. Tapi di kampung suami ke aku, persekitaran mereka tidak menyenangkan aku..Mereka agak malas bersekolah.. hanya suka bermain...kurang mementingkan pelajaran..Walaupun mereka dalama keadaan rukun damai, suka tolong menolong.
- Aku baru je beli rumah teres... sayang le nak tinggalkan rumah tu..nampaknya kena sewa le.. minta2 penyewa tu jaga sebaik mungkin.
- Terpaksa le cari keje kat hometown.. mana nak cari ni..rasa sayang lak nak tinggalkan officemate dah 7 tahun kat sini.. lagipun gaji kat sini agak lumayan
b) Kalau tidak balik kampung
- Nanti dikatakan derhaka kepada suami
a) Kalau balik kg
- Pendidikan anak2 - perancangan aku untuk anak2.. disamping mereka mendapat pendidikan formal, mereka juga mendapat pendidikan agama.. Harapan aku, mereka menjadi macam Dr Danial (pengamal perubatan bebas), Dr Wan (pakar bedah jantung di PPUM). Walaupun mereka mempunyai kerjaya doktor, accountant, banker dll tetapi mereka berpengetahuan dalam agama. Disebabkan itu, aku memilih sekolah agama integrasi... Bila ke sekolah menengah, aku akan hantar ke Maahad Sains.(itupun kalau anak aku dapat 5A). Aku telah memilih sekolah antara yang terbaik dan termampu bagi aku untuk mereka.. Walaupun terpaksa bayar lebih sikit daripada sekolah kerajaan... sikit je. Kalau balik kampung... entah le.. kena survey dulu le..
- aku suka window shopping, office aku sekarang betul2 dekat klcc.. so memanjang ke sana.. panjang je langkah bila ade sale.. kalau balik kg... nmpknya kena pendek langkah sikit..
- persekitaran di kampung, aku tidak hina orang kampung walaupun akupun dibesarkan di bandar kecil. Tapi di kampung suami ke aku, persekitaran mereka tidak menyenangkan aku..Mereka agak malas bersekolah.. hanya suka bermain...kurang mementingkan pelajaran..Walaupun mereka dalama keadaan rukun damai, suka tolong menolong.
- Aku baru je beli rumah teres... sayang le nak tinggalkan rumah tu..nampaknya kena sewa le.. minta2 penyewa tu jaga sebaik mungkin.
- Terpaksa le cari keje kat hometown.. mana nak cari ni..rasa sayang lak nak tinggalkan officemate dah 7 tahun kat sini.. lagipun gaji kat sini agak lumayan
b) Kalau tidak balik kampung
- Nanti dikatakan derhaka kepada suami
Tuesday, July 13, 2010
Aksi akrobatik latih otak
Oleh JAGATHESWARY NARAYANAN (Kosmo)
NASREEN MA, 32, memegang erat kedua-dua tangan anaknya, Alicia, dengan kedudukan si comel itu bersandar pada tubuhnya sementara kepalanya pula ke bawah. Hujung kedua-dua kaki Alicia terpaut kemas pada bahu ibunya itu. Dalam satu pergerakan pantas, kaki Alicia dilepaskan lalu badan anak kesayangannya itu kembali dalam kedudukan tegak.
Bagaikan baru saja selesai melakukan aksi jungkir balik, Alicia kini membuat lagak 'ngeri' yang seterusnya. Hujung kedua-dua kaki dan tangannya dipegang dengan bantuan seorang ahli terapi. Dalam keadaan tergantung melintang itu, Alicia dihayun dari kiri ke kanan selama dua minit.
Melihat aksi-aksi yang menyerupai latihan gimnastik itu memang cukup menyeramkan. Namun begitu, kanak-kanak yang baru berusia dua tahun itu pula langsung tidak takut atau menangis. Dia sebaliknya gembira dengan aktiviti itu sambil tersenyum dan sesekali ketawa terkekeh-kekeh.
Itu bukan pertama kali dia diajar melakukan pergerakan mencabar seumpama itu. Sejak berusia lapan bulan, Alicia sudah pun diajar oleh Nasreen untuk berbuat demikian.
Menurut Nasreen, semasa berusia lapan bulan Alicia seperti bayi lain yang menunjukkan respons asas seperti menggerak tangan, kaki dan kepala serta peka terhadap bunyi dan warna.
"Ketika berada dalam fasa meniarap, Alicia semakin menunjukkan tanda-tanda untuk berdiri dan mengatur langkah pertama. Perbuatannya itu amat membimbangkan saya kerana dia langsung tidak cuba untuk merangkak sebelum berjalan."
"Sungguhpun ada ibu bapa yang teruja melihat anak mereka cepat berjalan, tetapi bagi saya ia sesuatu yang luar biasa," ujar Nasreen.
Baginya, lumrah seseorang bayi ialah mereka perlu merangkak sebelum tahu berjalan. Nasreen percaya, jika bukan begitu turutannya perkembangan otak bayi boleh terjejas. Fasa merangkak kata Nasreen, amat penting kerana integrasi asas untuk perkembangan daya penglihatan kedua-dua belah mata sedang berlaku.
Integrasi visual itulah yang akan membantu proses pembacaan, kosentrasi dan tumpuan di dalam bilik darjah.
Menyedari kepentingan proses merangkak itu, ibu muda itu lantas mendapatkan nasihat dan panduan daripada pakar terapi Neuro Network, Daya Bhagwandas, 52.
Pengasas pusat pengajaran pendidikan saraf yang kini berpangkalan di Burwood, Australia itu menyediakan perkhidmatan patologi pertuturan, audiologi dan terapi bunyi. Berpengalaman lebih dua dekad dalam bidang perkembangan otak dan neuron, Daya banyak mengadakan program untuk menyedarkan para ibu bapa tentang potensi kepintaran anak-anak mereka.
Nasreen memberitahu, anak sulungnya itu telah menjalani beberapa sesi latihan pergerakan di bawah penyeliaan Daya. Alicia dibaringkan di atas meja sambil menggerak tangan, kaki serta kepala secara serentak.
Sesi latihan
Terapi yang dikenali sebagai cross pattern itu lama-kelamaan membuatkan Alicia merangkak dengan sendiri. Difahamkan, Alicia telah merangkak selama enam bulan sebelum berjalan.
Tambah Nasreen, kebanyakan ibu bapa terutama yang baru berkahwin kurang peka pergerakan asas seseorang kanak-kanak. Pergerakan asas yang betul amat penting demi mencetuskan kecerdasan anak-anak. Anak-anak sebenarnya pantas memahami dan mempelajari setiap yang diajar oleh ibu bapa mereka.
Penjelasan wanita itu memang benar. Selain membuat aksi pergerakan mencabar pada usia yang terlalu muda, kebolehan anak kecil itu membaca nombor melalui kepingan kad dengan cetakan berbentuk bulat amat mengagumkan.
Menurut Nasreen, berbanding bentuk numerikal, permainan kad dengan cetakan geometri berwarna lebih efektif untuk mengajar anak-anak tentang pengiraan. Ia merangsang visual kanak-kanak dan perkembangan minda terutamanya pada otak bahagian kanan.
Menjelaskan tentang perkembangan otak dan pembelajaran otak kanan, Daya berkata, otak manusia bagaikan satu sistem komputer rumit yang dikawal oleh dua bahagian.
Kedua-dua bahagian itu mempunyai kemahiran dan cara berfikir yang berbeza. Bahagian kanan otak memproses maklumat dengan cepat, melewati ruang dimensi fizikal dan membuat tanggapan tepat. Otak kiri pula memproses dengan cara yang berbeza tetapi dalam bentuk lisan yang lebih kompleks atau berbentuk analisa.
Dominasi otak
"Pada asasnya, manusia berfikir menggunakan keseluruhan otak. Bagaimanapun, satu bahagian daripadanya lebih menguasai atau mendominasi. Semasa berfikir misalnya, otak seumpama bercakap sendiri," katanya.
Jelas Daya, satu bahagian akan lebih mendominasi untuk mengeluarkan kata-kata atau memberi arahan. Bahagian yang mendominasi akan merancang personaliti hidup seseorang manakala bahagian yang sebelah lagi memberi respons terhadap tekanan atau krisis.
"Amat menguntungkan jika seseorang berusaha untuk mengembangkan kedua-dua bahagian otak kerana ini akan menambahkan lagi maklumat dalam menyelesaikan masalah.
"Jika anda dapat menguasai proses dominasi otak kiri dan memperkembangkan otak kanan pasti boleh menjadi seorang yang lebih kreatif dan bijak," kata wanita yang telah memperkenalkan Neuro Network sejak enam tahun yang lalu di beberapa buah negara luar termasuk Malaysia, Australia, Amerika Syarikat (AS) dan United Kingdom (UK).
Ujar Daya, ketika kecil seseorang amat bergantung kepada fungsi otak kanan yang merangsang imaginasi dan visual. Sebab itu, kanak-kanak cenderung mengaju soalan-soalan yang di luar imaginasi ibu bapa. Mereka juga mampu bercakap seberapa banyak bahasa hanya melalui mendengar percakapan seseorang.
Kesemua itu boleh dilakukan disebabkan fungsi otak kanan. Antaranya memori fotografi, mendengar dan baca dengan pantas, kreativiti, muzik, seni dan kemampuan mempelajari banyak bahasa.
Bagaimanapun, dari alam sekolah sehingga dunia kerjaya, ramai yang hanya menekankan pada kemampuan otak kiri.
"Program pendidikan di Neuro Network menekankan tentang kepentingan melatih otak kanan. Bagaimanapun, perkembangan otak itu perlu diberi perhatian dari peringkat bayi sehingga ia berusia enam tahun.
Apabila proses koordinasi gagal berlaku secara sempurna maka seseorang akan mengalami masalah apabila dewasa. Di sini pergerakan merangkak memainkan peranan penting.
Daya memberi penekanan tentang fasa merangkak: "Jikalau seseorang anak tidak melalui proses merangkak dengan sempurna maka proses koordinasi akan menjadi lemah hingga boleh menimbulkan masalah penglihatan, sentuhan, tumpuan, keseimbangan badan dan pernafasan.
Dalam pada itu, programnya juga turut menekankan tentang proses visual ataupun imaginasi yang terdapat pada otak kanan. Kebolehan visual membantu kanak-kanak mempelajari sesuatu dengan lebih cepat dan gembira. Kemahiran visual yang baik amat penting untuk mempelajari mata pelajaran seperti Matematik, Sastera dan bahasa.
NASREEN MA, 32, memegang erat kedua-dua tangan anaknya, Alicia, dengan kedudukan si comel itu bersandar pada tubuhnya sementara kepalanya pula ke bawah. Hujung kedua-dua kaki Alicia terpaut kemas pada bahu ibunya itu. Dalam satu pergerakan pantas, kaki Alicia dilepaskan lalu badan anak kesayangannya itu kembali dalam kedudukan tegak.
Bagaikan baru saja selesai melakukan aksi jungkir balik, Alicia kini membuat lagak 'ngeri' yang seterusnya. Hujung kedua-dua kaki dan tangannya dipegang dengan bantuan seorang ahli terapi. Dalam keadaan tergantung melintang itu, Alicia dihayun dari kiri ke kanan selama dua minit.
Melihat aksi-aksi yang menyerupai latihan gimnastik itu memang cukup menyeramkan. Namun begitu, kanak-kanak yang baru berusia dua tahun itu pula langsung tidak takut atau menangis. Dia sebaliknya gembira dengan aktiviti itu sambil tersenyum dan sesekali ketawa terkekeh-kekeh.
Itu bukan pertama kali dia diajar melakukan pergerakan mencabar seumpama itu. Sejak berusia lapan bulan, Alicia sudah pun diajar oleh Nasreen untuk berbuat demikian.
Menurut Nasreen, semasa berusia lapan bulan Alicia seperti bayi lain yang menunjukkan respons asas seperti menggerak tangan, kaki dan kepala serta peka terhadap bunyi dan warna.
"Ketika berada dalam fasa meniarap, Alicia semakin menunjukkan tanda-tanda untuk berdiri dan mengatur langkah pertama. Perbuatannya itu amat membimbangkan saya kerana dia langsung tidak cuba untuk merangkak sebelum berjalan."
"Sungguhpun ada ibu bapa yang teruja melihat anak mereka cepat berjalan, tetapi bagi saya ia sesuatu yang luar biasa," ujar Nasreen.
Baginya, lumrah seseorang bayi ialah mereka perlu merangkak sebelum tahu berjalan. Nasreen percaya, jika bukan begitu turutannya perkembangan otak bayi boleh terjejas. Fasa merangkak kata Nasreen, amat penting kerana integrasi asas untuk perkembangan daya penglihatan kedua-dua belah mata sedang berlaku.
Integrasi visual itulah yang akan membantu proses pembacaan, kosentrasi dan tumpuan di dalam bilik darjah.
Menyedari kepentingan proses merangkak itu, ibu muda itu lantas mendapatkan nasihat dan panduan daripada pakar terapi Neuro Network, Daya Bhagwandas, 52.
Pengasas pusat pengajaran pendidikan saraf yang kini berpangkalan di Burwood, Australia itu menyediakan perkhidmatan patologi pertuturan, audiologi dan terapi bunyi. Berpengalaman lebih dua dekad dalam bidang perkembangan otak dan neuron, Daya banyak mengadakan program untuk menyedarkan para ibu bapa tentang potensi kepintaran anak-anak mereka.
Nasreen memberitahu, anak sulungnya itu telah menjalani beberapa sesi latihan pergerakan di bawah penyeliaan Daya. Alicia dibaringkan di atas meja sambil menggerak tangan, kaki serta kepala secara serentak.
Sesi latihan
Terapi yang dikenali sebagai cross pattern itu lama-kelamaan membuatkan Alicia merangkak dengan sendiri. Difahamkan, Alicia telah merangkak selama enam bulan sebelum berjalan.
Tambah Nasreen, kebanyakan ibu bapa terutama yang baru berkahwin kurang peka pergerakan asas seseorang kanak-kanak. Pergerakan asas yang betul amat penting demi mencetuskan kecerdasan anak-anak. Anak-anak sebenarnya pantas memahami dan mempelajari setiap yang diajar oleh ibu bapa mereka.
Penjelasan wanita itu memang benar. Selain membuat aksi pergerakan mencabar pada usia yang terlalu muda, kebolehan anak kecil itu membaca nombor melalui kepingan kad dengan cetakan berbentuk bulat amat mengagumkan.
Menurut Nasreen, berbanding bentuk numerikal, permainan kad dengan cetakan geometri berwarna lebih efektif untuk mengajar anak-anak tentang pengiraan. Ia merangsang visual kanak-kanak dan perkembangan minda terutamanya pada otak bahagian kanan.
Menjelaskan tentang perkembangan otak dan pembelajaran otak kanan, Daya berkata, otak manusia bagaikan satu sistem komputer rumit yang dikawal oleh dua bahagian.
Kedua-dua bahagian itu mempunyai kemahiran dan cara berfikir yang berbeza. Bahagian kanan otak memproses maklumat dengan cepat, melewati ruang dimensi fizikal dan membuat tanggapan tepat. Otak kiri pula memproses dengan cara yang berbeza tetapi dalam bentuk lisan yang lebih kompleks atau berbentuk analisa.
Dominasi otak
"Pada asasnya, manusia berfikir menggunakan keseluruhan otak. Bagaimanapun, satu bahagian daripadanya lebih menguasai atau mendominasi. Semasa berfikir misalnya, otak seumpama bercakap sendiri," katanya.
Jelas Daya, satu bahagian akan lebih mendominasi untuk mengeluarkan kata-kata atau memberi arahan. Bahagian yang mendominasi akan merancang personaliti hidup seseorang manakala bahagian yang sebelah lagi memberi respons terhadap tekanan atau krisis.
"Amat menguntungkan jika seseorang berusaha untuk mengembangkan kedua-dua bahagian otak kerana ini akan menambahkan lagi maklumat dalam menyelesaikan masalah.
"Jika anda dapat menguasai proses dominasi otak kiri dan memperkembangkan otak kanan pasti boleh menjadi seorang yang lebih kreatif dan bijak," kata wanita yang telah memperkenalkan Neuro Network sejak enam tahun yang lalu di beberapa buah negara luar termasuk Malaysia, Australia, Amerika Syarikat (AS) dan United Kingdom (UK).
Ujar Daya, ketika kecil seseorang amat bergantung kepada fungsi otak kanan yang merangsang imaginasi dan visual. Sebab itu, kanak-kanak cenderung mengaju soalan-soalan yang di luar imaginasi ibu bapa. Mereka juga mampu bercakap seberapa banyak bahasa hanya melalui mendengar percakapan seseorang.
Kesemua itu boleh dilakukan disebabkan fungsi otak kanan. Antaranya memori fotografi, mendengar dan baca dengan pantas, kreativiti, muzik, seni dan kemampuan mempelajari banyak bahasa.
Bagaimanapun, dari alam sekolah sehingga dunia kerjaya, ramai yang hanya menekankan pada kemampuan otak kiri.
"Program pendidikan di Neuro Network menekankan tentang kepentingan melatih otak kanan. Bagaimanapun, perkembangan otak itu perlu diberi perhatian dari peringkat bayi sehingga ia berusia enam tahun.
Apabila proses koordinasi gagal berlaku secara sempurna maka seseorang akan mengalami masalah apabila dewasa. Di sini pergerakan merangkak memainkan peranan penting.
Daya memberi penekanan tentang fasa merangkak: "Jikalau seseorang anak tidak melalui proses merangkak dengan sempurna maka proses koordinasi akan menjadi lemah hingga boleh menimbulkan masalah penglihatan, sentuhan, tumpuan, keseimbangan badan dan pernafasan.
Dalam pada itu, programnya juga turut menekankan tentang proses visual ataupun imaginasi yang terdapat pada otak kanan. Kebolehan visual membantu kanak-kanak mempelajari sesuatu dengan lebih cepat dan gembira. Kemahiran visual yang baik amat penting untuk mempelajari mata pelajaran seperti Matematik, Sastera dan bahasa.
Thursday, July 8, 2010
Dumbest Things You Do With Your Money
by Kathy Kristof (Moneywatch.com)
Brad Klontz knows all about the dumb things that smart people do with their money: He's a smart guy (with a doctorate in psychology) who lost half of his assets in the technology stock bubble.
A financial psychologist, Klontz says that when it comes to money smarts, size matters: The logical part of your brain is so much smaller than the emotional side that it's like "a circus performer riding an elephant." To make smart decisions about your finances, you need the logical side to dominate. But once you get tweaked by greed or fear, that elephantine emotional brain is likely to run amok.
That's why otherwise intelligent people chase get-rich fantasies. Or cling to stocks that are long past their expiration dates. Or find other ways to let fear and superstition keep them from smarter financial moves. Here are nine of these common, emotionally driven money mistakes — plus some tricks from experts for getting that elephant in line.
1. Falling in Love ... With Your Investments
It can be great to fall in love with a person, but stocks can get you into deep trouble. Newport Beach, Calif., financial planner Laura Tarbox says she sees this all the time: Some clients keep concentrated stock holdings because they inherited them and "Mom just loved IBM," or because they work for the company and feel that selling would be disloyal.
Then there's the couple who came to her asking for help investing $12 million. "That sounded really great until we found out that this couple used to have more than $1 billion," Tarbox says. "All their money had been invested in a company that the husband helped launch — and he couldn't convince himself to diversify when he walked away."
Sorry, but that relationship just won't work, says Tarbox. No one should have more than 10 percent of his or her wealth locked in one stock. Just ask the former employees of Enron, who lost both their jobs and their retirement savings when the company filed for bankruptcy 10 years ago.
2. Chasing a Fantasy
You've read it 100 times: "Past performance is not an indication of future returns." But no one appears to believe it. Purveyors of investment data can trot out tons of statistics showing that when a mutual fund or asset class (such as gold, emerging markets stocks, or junk bonds) gets singled out for great quarterly or annual returns, investors start to pour money into that investment like it was going out of style.
And, of course, it is. One extensive study that looked at 19 years of market data found that investors consistently poured money into "hot" investments just as they were about to turn cold. That left the average investor with returns that fell way below the market as a whole and didn't even keep up with inflation. (For more on this, see our recent story "The Biggest Mistake Investors Make.")
Klontz admits that this is why he lost his shirt in technology stocks. It's a natural inclination to "run with the herd," he says with a shrug. Maybe so, but if you don't want to get trampled, you have to devise an investment strategy that suits your goals and then stick to it, even as your neighbor gets (temporarily) rich on the investment du jour.
3. Equating "On Sale" With "Good Deal"
Consider two television sets: Both are $500, but one is marked down from $800. Which one do you buy? If you're being reasonable, you buy the one that got the better rating in Consumer Reports. But most people buy the one that's on sale, says Matt Wallaert, a consultant for LendingTree, which owns the money management Web site Thrive. In fact, even people who would never have spent $500 on a television often will when it's discounted — simply because it's so cheap!
In reality, $500 is $500. If you wouldn't normally spend that much on a television (or any product, for that matter), you shouldn't do it now. We've been fooled by "anchoring": the illogical, but nearly inescapable, tendency to base our estimates of value on the nearest number we see, rather than an independent assessment. Just because the tag has $800 crossed out and replaced by $500, that doesn't mean $800 was a meaningful price. Indeed, an MIT experiment revealed that students who wrote down the last two digits of their Social Security numbers based their estimates of a wine bottle's worth on those two random numbers. The higher their numbers, the more the students were willing to bid for the wine.
Before you pull out your checkbook to splurge at a sale, evaluate whether the product, be it a television or a bread machine, is worth that price in enjoyment. Consider how often you'll use it, for instance, and whether you can get something of similar quality for less.
4. Retaliatory Spending
You don't need it. You don't want it. But, dang it, no one is going to tell you that you can't have it. New York psychologist Bonnie Eaker Weil calls it "POP" spending — for "pissed-off purchases." She did a survey before publishing her latest book, Financial Infidelity, and estimated from the results that POP spending accounts for about $424 billion in purchases each year.
One of Weil's Brooklyn-based clients, for example, went on a retaliatory $500 shopping spree when her husband gave one of her beat-up old jackets to charity without asking her first. When she got home, she informed him that since he didn't like her old jacket, she had gotten a new one from Saks Fifth Avenue. Such purchases can also result from a fight with your boss, mother, or best friend, according to Weil.
But as good as retaliatory spending may feel, it can do real damage to your financial health. Tarbox says a better approach is to talk out the anger, hurt, or disappointment — or just your bad day — with a friend, or even a professional counselor. If you have to spend money on a psychologist, it's probably still cheaper than the golf clubs or designer shoes you put on your credit card after that last argument with the boss.
5. Hanging On to Debt
The number of people who have money in savings accounts, earning less than 2 percent, while carrying debt on credit cards that charge more than 14 percent is "shocking," Wallaert says. Of Thrive's customers who have more than $500 in credit card debt, almost 40 percent have more than enough in savings to pay it off, he says.
Wallaert connects this mistake to "mental accounting" that separates our money into different stacks that we think ought to stay separate. But illogical separations can create mathematical mayhem.
Consider a person with $5,000 in credit card debt and $10,000 in savings. The debt costs him 14 percent per year, or $700, but the $10,000 in savings earns just 2 percent annually, or $200. He could pay off the debt, saving the $700, and still earn $100 annually on the remaining $5,000 in savings. Net result: He's immediately $600 richer and can start saving faster.
You might argue that you need those savings for emergencies. And you do need some emergency savings, allows Frank C. Presson III, a financial planner in Tucson, Ariz. But if you've got considerably more savings than debt, there's no excuse. Keep one month's worth of living expenses in the bank, even at those sorry returns, Presson advises. Use the rest to pay off the high-cost debt. Then rebuild the emergency savings, not the debt. Worst-case scenario: You still have the credit cards (now with zero balances), and you can tap them in an emergency.
6. Parental Martyrdom
An emerging problem involves parents who spend themselves to the edge of insolvency bailing out their children. "It starts from a good place, basically from wanting to be a good parent," Klontz says. "They'll say that Johnny is going through a rough patch and needs some help. But it becomes financial enabling."
Worse, it often causes the parents to suffer money woes that keep them from retiring or living comfortably because they're constantly paying Johnny's bills.
Any time you help an adult child, you should have a clear idea of how much help is necessary, how long it will be required, how it will help the child get back on his or her feet, and when (or whether) the child will have to pay you back. When there's no plan — just an open checkbook or couch — you turn the child into a dependent who becomes increasingly incapable of taking care of himself, Klontz says.
"I talk to the parents about how their attempts to help are like giving a drink to an alcoholic because his hand is shaking. This kind of helping is hurting," he says. "Then we talk about what kind of help would really help." (Hint: That kind generally doesn't involve cash.)
7. Cyber Insecurity
Roughly half the world has signed on for free online banking, which makes money management easier and saves the typical consumer about $50 annually in postage stamps. Among the people who don't use online banking, 41 percent say they've held back because of security concerns, according to a recent survey by Gartner Research.
What do banks typically do to secure online customer accounts? They put up multiple firewalls, which are the equivalent of brick enclosures around your house, and they have techno-security teams attempting to find the weak spots and shore them up. They also patrol the firewalls 24/7, looking for climbers.
Now, let's look at your mailbox. It's probably unlocked and unguarded — just what a thief needs to steal your credit cards. In reality, the chance of becoming a victim of identity theft or financial fraud as the result of low-tech crime — whether it's somebody stealing cards or "spoofing" you into providing private information via e-mail — is a lot greater than the chance that somebody will breach your bank's online vault.
So sign up already and save the stamps. And if you're worried about security, check your account regularly to make sure there's no suspicious activity.
8. State of Denial
Remember when you were 2 years old and you thought you could hide by closing your eyes? When the stock market plunged last winter and spring, that's just what investors did, leaving their quarterly statements sitting unopened on the counter.
If watching too closely would make you abandon a reasoned investment strategy, go ahead and ignore a statement or two. But losses don't go away just because you don't look at them, Tarbox points out. At some point, particularly if you're nearing retirement or need the dough for some other reason, you need to take a look, assess where you are, and figure out what to do about it.
9. Hoarding Money
Children of the Depression did a lot of this — stuffing $20 bills in their bibles or balling up tinfoil and rubber bands so they wouldn't have to buy more. But planners say that this is often a problem with wealthy and responsible older folks today: They're so afraid of running out of money that they don't enjoy the money that they have.
"When people deny themselves things that they could clearly afford, you have to ask them what they're saving that money for," Tarbox says. "We have to tell them that they're not spending enough."
If you're worried about running out of money, sit down with a financial planner and work out the math. Make sure you consider worst-case investment scenarios, not just the averages. That will make you more comfortable about weathering a bad patch like the one we just muddled through. Then, if you still have more than enough, make a plan that will allow you to enjoy your wealth by either spending the excess or giving it away.
Money, after all, is a means to an end — not the end itself. You save it to make you, and the people you love, calm and comfortable. And it's a lot more fun to take the kids and grandkids on vacation — or provide them with college money or other gifts while you're around to get the hugs and kisses — than to know that they'll inherit a fortune after you die.
Brad Klontz knows all about the dumb things that smart people do with their money: He's a smart guy (with a doctorate in psychology) who lost half of his assets in the technology stock bubble.
A financial psychologist, Klontz says that when it comes to money smarts, size matters: The logical part of your brain is so much smaller than the emotional side that it's like "a circus performer riding an elephant." To make smart decisions about your finances, you need the logical side to dominate. But once you get tweaked by greed or fear, that elephantine emotional brain is likely to run amok.
That's why otherwise intelligent people chase get-rich fantasies. Or cling to stocks that are long past their expiration dates. Or find other ways to let fear and superstition keep them from smarter financial moves. Here are nine of these common, emotionally driven money mistakes — plus some tricks from experts for getting that elephant in line.
1. Falling in Love ... With Your Investments
It can be great to fall in love with a person, but stocks can get you into deep trouble. Newport Beach, Calif., financial planner Laura Tarbox says she sees this all the time: Some clients keep concentrated stock holdings because they inherited them and "Mom just loved IBM," or because they work for the company and feel that selling would be disloyal.
Then there's the couple who came to her asking for help investing $12 million. "That sounded really great until we found out that this couple used to have more than $1 billion," Tarbox says. "All their money had been invested in a company that the husband helped launch — and he couldn't convince himself to diversify when he walked away."
Sorry, but that relationship just won't work, says Tarbox. No one should have more than 10 percent of his or her wealth locked in one stock. Just ask the former employees of Enron, who lost both their jobs and their retirement savings when the company filed for bankruptcy 10 years ago.
2. Chasing a Fantasy
You've read it 100 times: "Past performance is not an indication of future returns." But no one appears to believe it. Purveyors of investment data can trot out tons of statistics showing that when a mutual fund or asset class (such as gold, emerging markets stocks, or junk bonds) gets singled out for great quarterly or annual returns, investors start to pour money into that investment like it was going out of style.
And, of course, it is. One extensive study that looked at 19 years of market data found that investors consistently poured money into "hot" investments just as they were about to turn cold. That left the average investor with returns that fell way below the market as a whole and didn't even keep up with inflation. (For more on this, see our recent story "The Biggest Mistake Investors Make.")
Klontz admits that this is why he lost his shirt in technology stocks. It's a natural inclination to "run with the herd," he says with a shrug. Maybe so, but if you don't want to get trampled, you have to devise an investment strategy that suits your goals and then stick to it, even as your neighbor gets (temporarily) rich on the investment du jour.
3. Equating "On Sale" With "Good Deal"
Consider two television sets: Both are $500, but one is marked down from $800. Which one do you buy? If you're being reasonable, you buy the one that got the better rating in Consumer Reports. But most people buy the one that's on sale, says Matt Wallaert, a consultant for LendingTree, which owns the money management Web site Thrive. In fact, even people who would never have spent $500 on a television often will when it's discounted — simply because it's so cheap!
In reality, $500 is $500. If you wouldn't normally spend that much on a television (or any product, for that matter), you shouldn't do it now. We've been fooled by "anchoring": the illogical, but nearly inescapable, tendency to base our estimates of value on the nearest number we see, rather than an independent assessment. Just because the tag has $800 crossed out and replaced by $500, that doesn't mean $800 was a meaningful price. Indeed, an MIT experiment revealed that students who wrote down the last two digits of their Social Security numbers based their estimates of a wine bottle's worth on those two random numbers. The higher their numbers, the more the students were willing to bid for the wine.
Before you pull out your checkbook to splurge at a sale, evaluate whether the product, be it a television or a bread machine, is worth that price in enjoyment. Consider how often you'll use it, for instance, and whether you can get something of similar quality for less.
4. Retaliatory Spending
You don't need it. You don't want it. But, dang it, no one is going to tell you that you can't have it. New York psychologist Bonnie Eaker Weil calls it "POP" spending — for "pissed-off purchases." She did a survey before publishing her latest book, Financial Infidelity, and estimated from the results that POP spending accounts for about $424 billion in purchases each year.
One of Weil's Brooklyn-based clients, for example, went on a retaliatory $500 shopping spree when her husband gave one of her beat-up old jackets to charity without asking her first. When she got home, she informed him that since he didn't like her old jacket, she had gotten a new one from Saks Fifth Avenue. Such purchases can also result from a fight with your boss, mother, or best friend, according to Weil.
But as good as retaliatory spending may feel, it can do real damage to your financial health. Tarbox says a better approach is to talk out the anger, hurt, or disappointment — or just your bad day — with a friend, or even a professional counselor. If you have to spend money on a psychologist, it's probably still cheaper than the golf clubs or designer shoes you put on your credit card after that last argument with the boss.
5. Hanging On to Debt
The number of people who have money in savings accounts, earning less than 2 percent, while carrying debt on credit cards that charge more than 14 percent is "shocking," Wallaert says. Of Thrive's customers who have more than $500 in credit card debt, almost 40 percent have more than enough in savings to pay it off, he says.
Wallaert connects this mistake to "mental accounting" that separates our money into different stacks that we think ought to stay separate. But illogical separations can create mathematical mayhem.
Consider a person with $5,000 in credit card debt and $10,000 in savings. The debt costs him 14 percent per year, or $700, but the $10,000 in savings earns just 2 percent annually, or $200. He could pay off the debt, saving the $700, and still earn $100 annually on the remaining $5,000 in savings. Net result: He's immediately $600 richer and can start saving faster.
You might argue that you need those savings for emergencies. And you do need some emergency savings, allows Frank C. Presson III, a financial planner in Tucson, Ariz. But if you've got considerably more savings than debt, there's no excuse. Keep one month's worth of living expenses in the bank, even at those sorry returns, Presson advises. Use the rest to pay off the high-cost debt. Then rebuild the emergency savings, not the debt. Worst-case scenario: You still have the credit cards (now with zero balances), and you can tap them in an emergency.
6. Parental Martyrdom
An emerging problem involves parents who spend themselves to the edge of insolvency bailing out their children. "It starts from a good place, basically from wanting to be a good parent," Klontz says. "They'll say that Johnny is going through a rough patch and needs some help. But it becomes financial enabling."
Worse, it often causes the parents to suffer money woes that keep them from retiring or living comfortably because they're constantly paying Johnny's bills.
Any time you help an adult child, you should have a clear idea of how much help is necessary, how long it will be required, how it will help the child get back on his or her feet, and when (or whether) the child will have to pay you back. When there's no plan — just an open checkbook or couch — you turn the child into a dependent who becomes increasingly incapable of taking care of himself, Klontz says.
"I talk to the parents about how their attempts to help are like giving a drink to an alcoholic because his hand is shaking. This kind of helping is hurting," he says. "Then we talk about what kind of help would really help." (Hint: That kind generally doesn't involve cash.)
7. Cyber Insecurity
Roughly half the world has signed on for free online banking, which makes money management easier and saves the typical consumer about $50 annually in postage stamps. Among the people who don't use online banking, 41 percent say they've held back because of security concerns, according to a recent survey by Gartner Research.
What do banks typically do to secure online customer accounts? They put up multiple firewalls, which are the equivalent of brick enclosures around your house, and they have techno-security teams attempting to find the weak spots and shore them up. They also patrol the firewalls 24/7, looking for climbers.
Now, let's look at your mailbox. It's probably unlocked and unguarded — just what a thief needs to steal your credit cards. In reality, the chance of becoming a victim of identity theft or financial fraud as the result of low-tech crime — whether it's somebody stealing cards or "spoofing" you into providing private information via e-mail — is a lot greater than the chance that somebody will breach your bank's online vault.
So sign up already and save the stamps. And if you're worried about security, check your account regularly to make sure there's no suspicious activity.
8. State of Denial
Remember when you were 2 years old and you thought you could hide by closing your eyes? When the stock market plunged last winter and spring, that's just what investors did, leaving their quarterly statements sitting unopened on the counter.
If watching too closely would make you abandon a reasoned investment strategy, go ahead and ignore a statement or two. But losses don't go away just because you don't look at them, Tarbox points out. At some point, particularly if you're nearing retirement or need the dough for some other reason, you need to take a look, assess where you are, and figure out what to do about it.
9. Hoarding Money
Children of the Depression did a lot of this — stuffing $20 bills in their bibles or balling up tinfoil and rubber bands so they wouldn't have to buy more. But planners say that this is often a problem with wealthy and responsible older folks today: They're so afraid of running out of money that they don't enjoy the money that they have.
"When people deny themselves things that they could clearly afford, you have to ask them what they're saving that money for," Tarbox says. "We have to tell them that they're not spending enough."
If you're worried about running out of money, sit down with a financial planner and work out the math. Make sure you consider worst-case investment scenarios, not just the averages. That will make you more comfortable about weathering a bad patch like the one we just muddled through. Then, if you still have more than enough, make a plan that will allow you to enjoy your wealth by either spending the excess or giving it away.
Money, after all, is a means to an end — not the end itself. You save it to make you, and the people you love, calm and comfortable. And it's a lot more fun to take the kids and grandkids on vacation — or provide them with college money or other gifts while you're around to get the hugs and kisses — than to know that they'll inherit a fortune after you die.
The Six Mistakes Young Families Make
by Stacey L. Bradford (SmartMoney.com)
It's one thing for husbands and wives to spend freely when they have relatively few responsibilities. But add a small bundle of joy to the equation, and everything changes. In addition to the rent (or mortgage) and car payments, parents must worry about ballet lessons, soccer cleats and, oh yeah, college. It's enough to keep people up at night.
Mistakes are inevitable. The good news is that it's almost never too late to get back on track. Here are six of the most common financial errors that young families make. In this case, forewarned is forearmed: Avoid these mistakes now, and you'll be way ahead of the game later on.
1. 'What's Wrong With a Little Debt?'
The biggest mistake young families make is carrying too much debt, says Stewart Welch, a certified financial planner and author of the "10 Minute Guide to Personal Finance for Newlyweds." "It happens very early on in a marriage," he says. And once couples owe several thousand dollars, they find it gets harder and harder to crawl out from under that burden.
It's OK to carry some debt. Families just need to make sure they don't overextend themselves. Generally speaking, lenders believe that a mortgage shouldn't eat up more than 28% of a couple's gross income. Overall debt, including car loans, student debt, and credit cards, shouldn't exceed 40% of gross income. Some financial planners, however, believe that these guidelines are a bit lax. Welch recommends total debt of no more than 30% of take-home pay (not counting 401(k) contributions). That's quite a difference.
Auto debt is a bit tricky. On the one hand, financial planners agree that it's best not to borrow money for a depreciating asset. But sometimes, it just can't be avoided. Few young families can afford to pay cash for a new car -- especially if they just used up all of their savings for a down payment on a new home. The solution: Keep your car long after the loan is paid off. That way, you can cut back on auto payments and start saving some money for your next vehicle, says Marilyn Steinmetz, a certified financial planner based in West Hartford, Conn. A good Japanese car, for example, should hum along for 10 years.
2. Flying Without a Budget
A close cousin to the debt problem is poor budgeting. Young couples tend to underestimate their expenses by 20%, says Steven Kaye, a Watchung, N.J.-based financial planner. The problem: They spend first and plan to save whatever is left. Unfortunately, there's often nothing remaining in the kitty at the end of the month.
Kaye recommends couples make a budget. First, tally all expenses, including savings goals for retirement and college planning. Then families can spend whatever is left. Be warned: This may be an eye-opening experience. "We generally find even the most intelligent people have holes in their [budgeting] plans," says Kaye.
3. Retirement Is Decades Away, Right?
Many young couples just can't get their heads around the importance of saving for retirement. While they focus on short-term goals, such as saving for a new minivan, they fail to max out their 401(k), or even contribute enough to qualify for their employer's match, says Steinmetz. That's like walking away from free money.
Couples need to understand that the longer they wait to start saving for retirement, the more they'll need to stash away later on. While someone in his 20s can get away with investing just 10% of his income in his 401(k), someone in his 30s will have to set aside at least 12-15% in order to fund a comfortable retirement, says Welch. If he waits even longer, he'll find himself working long after his peers have hit the golf course full time.
4. Who Needs Insurance?
Let's face it: There's a lot of bad advice out there on insurance. Perhaps that's why so many young couples are underinsured. The most common error people make is that they buy expensive products, like whole life insurance, for too little coverage. "They might purchase $100,000 of whole life when they could have had $1 million of term [life insurance] for a quarter of the premium," Welch says.
As a general rule, most young people should have a term life policy worth five to 10 times their annual income. The planners we spoke with said parents shouldn't be surprised to find they need at least a $1 million policy. A 35-year-old healthy, nonsmoking male can purchase a 30-year term life policy for roughly $830 a year, according to Insure.com.
Another shortfall: inadequate disability coverage. Most Americans get some from their employers. But unless you think you can live on, say, 60% of your salary, you'd better purchase more coverage, either through your employer or on the open market, to fill in as much of the gap between your employer's plan and your current income as possible. How much will this cost? It varies greatly based on health, income, occupation and other factors. Just as an example, a 35-year-old healthy male working at a desk job can pick up a policy for about $30 a year for every $100 a month in coverage, according to insurance provider UnumProvident.
5. College Tuition Is How Much?
SmartMoney.com projects that in 18 years, a four-year private university education will cost more than $300,000. Parents who want to help their children pay for school should start saving now. Fortunately, there are a couple of tax-friendly vehicles, including 529 plans and education savings accounts, that can help get the job done. Setting aside a little bit every month can prevent a lot of headaches later.
Sometimes, of course, there isn't enough money to go around. Yet many parents continue to set aside funds for their children's education when they don't have enough to pay off their high-interest credit-card debt or fund their own retirement accounts. You might not want to hear this, but junior's education should be down toward the bottom of your list of priorities. While he or she can borrow money for college, couples can't borrow for retirement, says Kaye.
6. What Rainy Day?
You've heard it before: Everyone should set aside three to six months of salary for a rainy day. That way, there should be enough to live on in case of an unexpected job loss or medical emergency. Unfortunately, this can feel like an impossible goal for folks with small kids. Who has that kind of cash saved up after buying a new home or car or paying for childcare? Don't let the difficulty of the task dissuade you from trying. In a weak job market, it's more important than ever to create an emergency account. Remember, every little bit counts.
Here's another idea for those with some self-restraint. Welch suggests applying for a home-equity line of credit. Just promise yourself that you won't tap into it unless there's a true emergency (and, no, a plasma television doesn't count). According to Bankrate.com, a homeowner can get a home-equity line of credit with an interest rate below 8%. That's much lower than the average credit-card rate, which sits somewhere in the midteens. And Uncle Sam will even allow most homeowners to write off the interest payments on a loan of up to $100,000.
It's one thing for husbands and wives to spend freely when they have relatively few responsibilities. But add a small bundle of joy to the equation, and everything changes. In addition to the rent (or mortgage) and car payments, parents must worry about ballet lessons, soccer cleats and, oh yeah, college. It's enough to keep people up at night.
Mistakes are inevitable. The good news is that it's almost never too late to get back on track. Here are six of the most common financial errors that young families make. In this case, forewarned is forearmed: Avoid these mistakes now, and you'll be way ahead of the game later on.
1. 'What's Wrong With a Little Debt?'
The biggest mistake young families make is carrying too much debt, says Stewart Welch, a certified financial planner and author of the "10 Minute Guide to Personal Finance for Newlyweds." "It happens very early on in a marriage," he says. And once couples owe several thousand dollars, they find it gets harder and harder to crawl out from under that burden.
It's OK to carry some debt. Families just need to make sure they don't overextend themselves. Generally speaking, lenders believe that a mortgage shouldn't eat up more than 28% of a couple's gross income. Overall debt, including car loans, student debt, and credit cards, shouldn't exceed 40% of gross income. Some financial planners, however, believe that these guidelines are a bit lax. Welch recommends total debt of no more than 30% of take-home pay (not counting 401(k) contributions). That's quite a difference.
Auto debt is a bit tricky. On the one hand, financial planners agree that it's best not to borrow money for a depreciating asset. But sometimes, it just can't be avoided. Few young families can afford to pay cash for a new car -- especially if they just used up all of their savings for a down payment on a new home. The solution: Keep your car long after the loan is paid off. That way, you can cut back on auto payments and start saving some money for your next vehicle, says Marilyn Steinmetz, a certified financial planner based in West Hartford, Conn. A good Japanese car, for example, should hum along for 10 years.
2. Flying Without a Budget
A close cousin to the debt problem is poor budgeting. Young couples tend to underestimate their expenses by 20%, says Steven Kaye, a Watchung, N.J.-based financial planner. The problem: They spend first and plan to save whatever is left. Unfortunately, there's often nothing remaining in the kitty at the end of the month.
Kaye recommends couples make a budget. First, tally all expenses, including savings goals for retirement and college planning. Then families can spend whatever is left. Be warned: This may be an eye-opening experience. "We generally find even the most intelligent people have holes in their [budgeting] plans," says Kaye.
3. Retirement Is Decades Away, Right?
Many young couples just can't get their heads around the importance of saving for retirement. While they focus on short-term goals, such as saving for a new minivan, they fail to max out their 401(k), or even contribute enough to qualify for their employer's match, says Steinmetz. That's like walking away from free money.
Couples need to understand that the longer they wait to start saving for retirement, the more they'll need to stash away later on. While someone in his 20s can get away with investing just 10% of his income in his 401(k), someone in his 30s will have to set aside at least 12-15% in order to fund a comfortable retirement, says Welch. If he waits even longer, he'll find himself working long after his peers have hit the golf course full time.
4. Who Needs Insurance?
Let's face it: There's a lot of bad advice out there on insurance. Perhaps that's why so many young couples are underinsured. The most common error people make is that they buy expensive products, like whole life insurance, for too little coverage. "They might purchase $100,000 of whole life when they could have had $1 million of term [life insurance] for a quarter of the premium," Welch says.
As a general rule, most young people should have a term life policy worth five to 10 times their annual income. The planners we spoke with said parents shouldn't be surprised to find they need at least a $1 million policy. A 35-year-old healthy, nonsmoking male can purchase a 30-year term life policy for roughly $830 a year, according to Insure.com.
Another shortfall: inadequate disability coverage. Most Americans get some from their employers. But unless you think you can live on, say, 60% of your salary, you'd better purchase more coverage, either through your employer or on the open market, to fill in as much of the gap between your employer's plan and your current income as possible. How much will this cost? It varies greatly based on health, income, occupation and other factors. Just as an example, a 35-year-old healthy male working at a desk job can pick up a policy for about $30 a year for every $100 a month in coverage, according to insurance provider UnumProvident.
5. College Tuition Is How Much?
SmartMoney.com projects that in 18 years, a four-year private university education will cost more than $300,000. Parents who want to help their children pay for school should start saving now. Fortunately, there are a couple of tax-friendly vehicles, including 529 plans and education savings accounts, that can help get the job done. Setting aside a little bit every month can prevent a lot of headaches later.
Sometimes, of course, there isn't enough money to go around. Yet many parents continue to set aside funds for their children's education when they don't have enough to pay off their high-interest credit-card debt or fund their own retirement accounts. You might not want to hear this, but junior's education should be down toward the bottom of your list of priorities. While he or she can borrow money for college, couples can't borrow for retirement, says Kaye.
6. What Rainy Day?
You've heard it before: Everyone should set aside three to six months of salary for a rainy day. That way, there should be enough to live on in case of an unexpected job loss or medical emergency. Unfortunately, this can feel like an impossible goal for folks with small kids. Who has that kind of cash saved up after buying a new home or car or paying for childcare? Don't let the difficulty of the task dissuade you from trying. In a weak job market, it's more important than ever to create an emergency account. Remember, every little bit counts.
Here's another idea for those with some self-restraint. Welch suggests applying for a home-equity line of credit. Just promise yourself that you won't tap into it unless there's a true emergency (and, no, a plasma television doesn't count). According to Bankrate.com, a homeowner can get a home-equity line of credit with an interest rate below 8%. That's much lower than the average credit-card rate, which sits somewhere in the midteens. And Uncle Sam will even allow most homeowners to write off the interest payments on a loan of up to $100,000.
Mengesan Penyakit Melalui Warna Kuku
Source: http://kesehatan. kompas.com/ read/2010/ 07/02/10535383/Deteksi.Penyakit .Lewat.Warna. Kuku
Bagaimana keadaan kesihatan bila dilihat dari warna kuku? Ya, konon warna serta keadaan kuku seseorang dapat memberikan petunjuk bagaimana sebenarnya kondisi kesehatan kita. Berikut penjelasannya:
- Bila beberapa atau semua kuku berwarna putih, boleh jadi itu merupakan pertanda adanya gangguan jamur atau penyakit di organ hati.
- Bila di kuku terdapat titik putih, kemungkinan itu menunjukkan kekurangan mineral zinc.
- Kuku yang coklat menunjukkan pertumbuhan jamur atau penyakit buah pinggang.
- Kuku yang kuning kemungkinan menandakan adanya penyakit kuning.
- Bila warna kuku biru, itu menunjukkan sirkulasi oksigen yang buruk, penyakit di organ hati, atau gangguan paru-paru.
- Kuku yang berbintik-bintik kemungkinan menandakan gangguan kulit, seperti psoriasis atau eksim
- Kuku yang mudah pecah menunjukkan masalah tiroid.
- Kuku yang berwarna kekuningan atau merah muda sering dihubungkan dengan penyakit diabetes.
- Kuku yang melengkung mungkin menandakan adanya gangguan pernafasan
Bagaimana keadaan kesihatan bila dilihat dari warna kuku? Ya, konon warna serta keadaan kuku seseorang dapat memberikan petunjuk bagaimana sebenarnya kondisi kesehatan kita. Berikut penjelasannya:
- Bila beberapa atau semua kuku berwarna putih, boleh jadi itu merupakan pertanda adanya gangguan jamur atau penyakit di organ hati.
- Bila di kuku terdapat titik putih, kemungkinan itu menunjukkan kekurangan mineral zinc.
- Kuku yang coklat menunjukkan pertumbuhan jamur atau penyakit buah pinggang.
- Kuku yang kuning kemungkinan menandakan adanya penyakit kuning.
- Bila warna kuku biru, itu menunjukkan sirkulasi oksigen yang buruk, penyakit di organ hati, atau gangguan paru-paru.
- Kuku yang berbintik-bintik kemungkinan menandakan gangguan kulit, seperti psoriasis atau eksim
- Kuku yang mudah pecah menunjukkan masalah tiroid.
- Kuku yang berwarna kekuningan atau merah muda sering dihubungkan dengan penyakit diabetes.
- Kuku yang melengkung mungkin menandakan adanya gangguan pernafasan
Self-Motivation Strategies
Source: Mind Tool's Newsletter.
Just as there are two types of motivation, there are two main strategies for motivating yourself:
1. You make the task more intrinsically satisfying.
2. You provide your own extrinsic rewards.
Using a combination of both is often the most effective way to motivate yourself. So, you have to find further intrinsic and extrinsic motivation to get those undesirable tasks done. Here are some tactics that you can use motivate yourself:
a. Change your attitude and approach to undesirable tasks - For example, the task of reorganizing your filing cabinet may not be motivating in itself. But being seen as a competent and organized person might provide intrinsic motivation for you. By thinking of filing in this way, for example, you can connect completing the task with meeting your needs.
b. Think about why you do what you do - Sometimes you may start to think that your job is pointless, so why bother to do things? A great way to increase self-motivation is to list all of the positive outcomes of your job. If you're on the cleaning staff in a hospital, ultimately your job keeps patients safe from germs and disease. If you sell office equipment, you're helping people to work more efficiently.
c. Set goals - By setting goals you'll know exactly what you need to do to achieve what you want in life. Then, by looking at this "bigger picture", you'll be able to see how those undesirable tasks can help you reach your goals, and you'll be able to see "what's in it for you" to complete these tasks.
d. Break your tasks down into smaller pieces - Organizing the entire filing cabinet may be too large a task to do all at once. Start alphabetically, or with the first section of files. Then, when you complete the first group, you can use your success with the smaller tasks to motivate you to finish.
e. Build in accountability - Tell you colleagues or manager about your task. It can help to motivate you if you know that someone else is expecting you to complete the task.
f. Master time management - Learn to take control of your time, and create a schedule that helps you to do things more efficiently.
g. Don't procrastinate - When low motivation and procrastination occur together, it can be doubly hard to get things done. See our article on beating procrastination for more on dealing with this.
h. Reward yourself - Make an agreement with yourself to give yourself a reward when you complete a task. For example, buy yourself a specialty coffee for completing smaller tasks, or send yourself to the spa for a massage when you finish a major one.
i. Scare yourself with the negative consequences of not doing it - If not doing the task is going to get you in trouble with your boss, focus on this, and scare yourself into doing it!
j. Swap tasks with a colleague - Maybe you can trade your undesirable task with someone else who doesn't mind doing it, and you can do something for that person in return. Use each other's needs, interests and talents to work more efficiently.
k. Surround yourself with positive thoughts and people - Positive thinking is very powerful. Just telling yourself that you can do something is often all you need to get started. And when you're around other positive people, they'll support and encourage you to keep trying.
l. Create an accomplishment log - Use this to record all of the times when you were able to motivate yourself to complete a task or keep moving forward. The log can inspire you the next time you need some extra motivation
Just as there are two types of motivation, there are two main strategies for motivating yourself:
1. You make the task more intrinsically satisfying.
2. You provide your own extrinsic rewards.
Using a combination of both is often the most effective way to motivate yourself. So, you have to find further intrinsic and extrinsic motivation to get those undesirable tasks done. Here are some tactics that you can use motivate yourself:
a. Change your attitude and approach to undesirable tasks - For example, the task of reorganizing your filing cabinet may not be motivating in itself. But being seen as a competent and organized person might provide intrinsic motivation for you. By thinking of filing in this way, for example, you can connect completing the task with meeting your needs.
b. Think about why you do what you do - Sometimes you may start to think that your job is pointless, so why bother to do things? A great way to increase self-motivation is to list all of the positive outcomes of your job. If you're on the cleaning staff in a hospital, ultimately your job keeps patients safe from germs and disease. If you sell office equipment, you're helping people to work more efficiently.
c. Set goals - By setting goals you'll know exactly what you need to do to achieve what you want in life. Then, by looking at this "bigger picture", you'll be able to see how those undesirable tasks can help you reach your goals, and you'll be able to see "what's in it for you" to complete these tasks.
d. Break your tasks down into smaller pieces - Organizing the entire filing cabinet may be too large a task to do all at once. Start alphabetically, or with the first section of files. Then, when you complete the first group, you can use your success with the smaller tasks to motivate you to finish.
e. Build in accountability - Tell you colleagues or manager about your task. It can help to motivate you if you know that someone else is expecting you to complete the task.
f. Master time management - Learn to take control of your time, and create a schedule that helps you to do things more efficiently.
g. Don't procrastinate - When low motivation and procrastination occur together, it can be doubly hard to get things done. See our article on beating procrastination for more on dealing with this.
h. Reward yourself - Make an agreement with yourself to give yourself a reward when you complete a task. For example, buy yourself a specialty coffee for completing smaller tasks, or send yourself to the spa for a massage when you finish a major one.
i. Scare yourself with the negative consequences of not doing it - If not doing the task is going to get you in trouble with your boss, focus on this, and scare yourself into doing it!
j. Swap tasks with a colleague - Maybe you can trade your undesirable task with someone else who doesn't mind doing it, and you can do something for that person in return. Use each other's needs, interests and talents to work more efficiently.
k. Surround yourself with positive thoughts and people - Positive thinking is very powerful. Just telling yourself that you can do something is often all you need to get started. And when you're around other positive people, they'll support and encourage you to keep trying.
l. Create an accomplishment log - Use this to record all of the times when you were able to motivate yourself to complete a task or keep moving forward. The log can inspire you the next time you need some extra motivation
Mutiara kata
kita sedang benar, jangan terlalu berani dan
bila kita sedang takut, jangan terlalu takut.
Kerana keseimbangan sikap adalah penentu
ketepatan perjalanan kesuksesan kita
Tugas kita bukanlah untuk berhasil. Tugas kita
adalah untuk mencuba, karena didalam mencuba
itulah kita menemukan dan belajar membangun
kesempatan untuk berhasil
kita hanya dekat dengan mereka yang kita
sukai. Dan seringkali kita menghindari orang
yang tidak kita sukai, padahal dari dialah
kita akan mengenal sudut fikiran yang baru
Orang-orang yang berhenti belajar akan menjadi
pemilik masa lalu. Orang-orang yang masih terus
belajar, akan menjadi pemilik masa depan
Tinggalkanlah kesenangan yang menghalangi
pencapaian kecemerlangan hidup yang di
idamkan. Dan berhati-hatilah, kerana beberapa
kesenangan adalah cara gembira menuju
kegagalan
Jangan menolak perubahan hanya kerana kita
takut kehilangan yang telah dimiliki, kerana
dengannya kita merendahkan nilai yang akan
kita capai melalui perubahan itu
kita tidak akan berhasil menjadi peribadi baru bila
kita berkeras untuk mempertahankan cara-cara
lama kita. kita akan disebut baru, hanya bila
cara-cara kita baru
Ketepatan sikap adalah dasar semua ketepatan.
Tidak ada penghalang keberhasilan bila sikap
kita tepat, dan tidak ada yang akan menolong
bila sikap kita salah
Orang lanjut usia yang berorientasi pada
kesempatan adalah orang muda yang tidak
pernah menua ; tetapi pemuda yang berorientasi
pada keamanan, telah menua sejak muda
Hanya orang takut yang bisa berani, karena keberanian adalah melakukan sesuatu yang ditakutinya. Maka, bila merasa takut, kita akanb punya kesempatan untuk bersikap berani
Kekuatan terbesar yang mampu mengalahkan
stress adalah kemampuan memilih pikiran yang tepat. kita akan menjadi lebih damai bila yang kita pikirkan adalah jalan keluar masalah.
Jangan pernah merobohkan pagar tanpa mengetahui mengapa didirikan. Jangan pernah mengabaikan tuntunan kebaikan tanpa mengetahui keburukan yang kemudian kita dapat
Seseorang yang menolak memperbarui cara-cara kerjanya yang tidak lagi menghasilkan, berlaku seperti orang yang terus memeras jerami untuk mendapatkan santan
Bila kita belum menemkan pekerjaan yang sesuai dengan bakat kita, bakatilah apapun pekerjaan kita sekarang. kita akan tampil secemerlang yang berbakat
Kita lebih menghormati orang miskin yang berani daripada orang kaya yang penakut. Karena sebetulnya telah jelas perbedaan kualitas masa depan yang akan mereka capai
Jika kita hanya mengerjakan yang sudah kita ketahui, kapankah kita akan mendapat pengetahuan yang baru ? Melakukan yang belum
kita ketahui adalah pintu menuju pengetahuan
Jangan hanya menghindari yang tidak mungkin. Dengan mencoba sesuatu yang tidak mungkin,kita akan bisa mencapai yang terbaik dari yang mungkin kita capai.
Salah satu pengkerdilan terkejam dalam hidup adalah membiarkan pikiran yang cemerlang menjadi budak bagi tubuh yang malas, yang mendahulukan istirahat sebelum lelah.
Bila kita mencari wang, kita akan dipaksa
mengupayakan pelayanan yang terbaik.
Tetapi jika kita mengutamakan pelayanan yang baik, maka kitalah yang akan dicari wang
Waktu ,mengubah semua hal, kecuali kita. Kita mungkin menua dengan berjalanannya waktu, tetapi belum tentu membijak. Kita-lah yang harus mengubah diri kita sendiri
Semua waktu adalah waktu yang tepat untuk melakukan sesuatu yang baik. Jangan menjadi orang tua yang masih melakukan sesuatu yang seharusnya dilakukan saat muda.
Tidak ada harga atas waktu, tapi waktu sangat berharga. Memilik waktu tidak menjadikan kita kaya, tetapi menggunakannya dengan baik
adalah sumber dari semua kekayaan
Ketika satu pintu kebahagiaan tertutup,
pintu yang lain dibukakan.
Tetapi sering kali kita terpaku terlalu lama
pada pintu yang tertutup sehingga tidak melihat
pintu lain yang dibukakan bagi kita.
Dalam hidup,terkadang kita lebih banyak
mendapatkan apa yang tidak kita inginkan.
Dan ketika kita mendapatkan apa yang kita
inginkan, akhirnya kita tahu bahwa yang kita
inginkan terkadang tidak dapat membuat
hidup kita menjadi lebih bahagia
Bermimpilah tentang apa yang ingin kamu impikan,
pergilah ke tempat-tempat kamu ingin pergi.
Jadilah seperti yang kamu inginkan,
kerna kamu hanya memiliki satu kehidupan dan
satu kesempatan untuk melakukan hal-hal
yang ingin kamu lakukan.
Masa depan yang cerah berdasarkan pada masa
lalu yang telah dilupakan. Kamu tidak
dapat melangkah dengan baik dalam kehidupan
kamu sampai kamu melupakan kegagalan
kamu dan rasa sakit hati.
Waktu kamu lahir, kamu menangis dan
orang-orang di sekelilingmu tersenyum.
Jalanilah hidupmu sehingga pada
waktu kamu meninggal, kamu tersenyum dan
orang-orang di sekelilingmu menangis.
Semoga kamu mendapat cukup kebahagiaan
untuk membuat kamu bahagia, cukup
cubaan untuk membuat kamu kuat, cukup
penderitaan untuk membuat kamu menjadi
manusia yang sesungguhnya, dan cukup harapan
untuk membuat kamu positif terhadap kehidupan.
Yang memimpin wanita bukan akalnya, melainkan hatinya.
Hari ini bila ia datang, jangan biarkan ia berlalu pergi.
Esok kalau ia masih bertandang,
jangan harap ia akan datang kembali
Sesuatu yang baik, belum tentu benar.
Sesuatu yang benar, belum tentu baik.
Sesuatu yang bagus, belum tentu berharga.
Sesuatu yang berharga/berguna,
belum tentu bagus.
Agama menjadi sendi hidup, pengaruh
menjadi penjaganya. Kalau tidak bersendi,
runtuhlah hidup dan kalau tidak berpenjaga,
binasalah hayat. Orang yang terhormat itu
kehormatannya sendiri melarangnya
berbuat jahat. -Pepatah Arab
Jangan tertarik kepada seseorang
kerna parasnya, sebab keelokan paras
dapat menyesatkan. Jangan pula tertarik
kepada kekayaannya kerna kekayaan dapat
musnah. Tertariklah kepada seseorang yang
dapat membuatmu tersenyum, kerna hanya
senyum yang dapat membuat hari-hari
yang gelap menjadi cerah.
Sungguh benar bahwa kita tidak tahu
apa yang kita miliki sampai kita kehilangannya,
tetapi sungguh benar pula bahwa kita
tidak tahu apa yang belum pernah
kita miliki sampai kita mendapatkannya.
Masa depan yang cerah selalu tergantung
pada masa lalu yang dilupakan.
Kita tidak dapat meneruskan hidup dengan
baik jika tidak dapat melupakan
kegagalan dan sakit hati di masa lalu.
Tentang Waktu
Ambillah waktu untuk berfikir,
itu adalah sumber kekuatan.
Ambillah waktu untuk bermain,
itu adalah rahsia dari masa muda yang abadi.
Ambillah waktu untuk berdoa,
itu adalah sumber ketenangan.
Ambillah waktu untuk belajar,
itu adalah sumber kebijaksanaan.
Ambillah waktu untuk mencintai dan dicintai
itu adalah hak istimewa yang diberikan Tuhan.
Ambillah waktu untuk bersahabat,
itu adalah jalan menuju kebahagiaan.
Ambillah waktu untuk tertawa,
itu adalah musik yang menggetarkan hati.
Ambillah waktu untuk memberi,
itu adalah membuat hidup terasa bererti.
Ambillah waktu untuk bekerja,
itu adalah nilai keberhasilan.
Ambillah waktu untuk beramal,
itu adalah kunci menuju syurga.
Harta yang paling menguntungkan ialah SABAR.
Teman yang paling akrab adalah AMAL.
Pengawal peribadi yang paling waspada DIAM.
Bahasa yang paling manis SENYUM.
Dan ibadah yang paling indah tentunya KHUSYUK.
SEMUA ORANG INGIN BERHASIL, TETAPI TIDAK SETIAP ORANG BERSEDIA BERUBAH.
Sebagian besar dari janji yang memenuhi langit adalah janji untuk berubah, tetapi yang diucapkan oleh orang-orang yang tersinggung dan marah jika dianjurkan untuk mengubah sikap dan cara-caranya.
MEMANG PERUBAHAN TIDAK MENJAMIN KEBERHASILAN, TETAPI TIDAK ADA KEBERHASILAN YANG BISA DICAPAI TANPA PERUBAHAN.
Wanita yang cantik tanpa peribadi
yang mulia ,umpama kaca mata yang
bersinar-bersinar, tetapi tidak melihat apa-apa
Jangan sekali-kali kita meremehkan
sesuatu perbuatan baik walaupun
hanya sekadar senyuman.
Anda bukan apa yang anda fikirkan
tentang anda, tetapi apa
yang anda fikirkan itulah anda
Hidup tak selalunya indah tapi
yang indah itu tetap hidup
dalam kenangan.
Hidup memerlukan pengorbananan.
Pengorbanan memerlukan perjuangan.
Perjuangan memerlukan ketabahan.
Ketabahan memerlukan keyakinan.
Keyakinan pula menentukan kejayaan.
Kejayaan pula akan menentukan kebahagiaan.
Kekayaan bukanlah satu dosa dan
kecantikan bukanlah satu kesalahan.
Oleh itu jika anda memiliki kedua-duanya
janganlah anda lupa pada Yang Maha Berkuasa.
Sampan tidak akan dapat belayar di
padang pasir betapa pun jua
empuknya pasir itu -Pepatah Arab
Perjalanan seribu batu bermula
dari satu langkah.- Lao Tze
Kalaulah anda tidak mampu untuk
menggembirakan orang lain,
janganlah pula anda menambah dukanya.
Gantungkan azam dan semangatmu
setinggi bintang di langit dan
rendahkan hatimu serendah mutiara di lautan
Saya percaya, esok sudah tidak boleh
mengubah apa yang berlaku hari ini,
tetapi hari ini masih boleh mengubah
apa yang akan terjadi pada hari esok
Jika anda sedang benar, jangan
terlalu berani dan bila anda sedang
takut, jangan terlalu takut. Karena
keseimbangan sikap adalah penentu
ketepatan perjalanan kesuksesan anda
Tugas kita bukanlah untuk berhasil.
Tugas kita adalah untuk mencoba,
karena didalam encoba itulah kita
menemukan dan belajar membangun kesempatan untuk berhasil
Anda hanya dekat dengan mereka
yang anda sukai. Dan seringkali
anda menghindari orang yang tidak
tidak anda sukai, padahal dari dialah
Anda akan mengenal sudut pandang yang baru
Orang-orang yang berhenti belajar akan
menjadi pemilik masa lalu. Orang-orang
yang masih terus belajar, akan menjadi pemilik masa depan
Tinggalkanlah kesenangan yang menghalangi pencapaian kecemerlangan hidup yang di idamkan. Dan berhati-hatilah, karena
beberapa kesenangan adalah
cara gembira menuju kegagalan
Jangan menolak perubahan hanya karena anda takut kehilangan yang telah
dimiliki, karena dengannya anda
merendahkan nilai yang bisa
anda capai melalui perubahan itu
Anda tidak akan berhasil menjadi
pribadi baru bila anda berkeras
untuk mempertahankan cara-cara
lama anda. Anda akan disebut baru,
hanya bila cara-cara anda baru
Hanya orang takut yang bisa berani,
karena keberanian adalah melakukan
sesuatu yang ditakutinya. Maka,
bila merasa takut, anda akan
punya kesempatan untuk bersikap berani
Kekuatan terbesar yang mampu mengalahkan
stress adalah kemampuan memilih
pikiran yang tepat. Anda akan menjadi
lebih damai bila yang anda
pikirkan adalah jalan keluar masalah.
Jangan pernah merobohkan pagar
tanpa mengetahui mengapa didirikan.
Jangan pernah mengabaikan tuntunan
kebaikan tanpa mengetahui keburukan
yang kemudian anda dapat
Seseorang yang menolak memperbarui
cara-cara kerjanya yang tidak lagi
menghasilkan, berlaku seperti orang
yang terus memeras jerami
untuk mendapatkan santan
Bila anda belum menemkan pekerjaan
yang sesuai dengan bakat anda,
bakatilah apapun pekerjaan anda sekarang.
Anda akan tampil secemerlang
yang berbakat Kita lebih menghormati
orang miskin yang berani daripada
orang kaya yang penakut. Karena
sebetulnya telah jelas perbedaan kualitas masa
depan yang akan mereka capai
bila kita sedang takut, jangan terlalu takut.
Kerana keseimbangan sikap adalah penentu
ketepatan perjalanan kesuksesan kita
Tugas kita bukanlah untuk berhasil. Tugas kita
adalah untuk mencuba, karena didalam mencuba
itulah kita menemukan dan belajar membangun
kesempatan untuk berhasil
kita hanya dekat dengan mereka yang kita
sukai. Dan seringkali kita menghindari orang
yang tidak kita sukai, padahal dari dialah
kita akan mengenal sudut fikiran yang baru
Orang-orang yang berhenti belajar akan menjadi
pemilik masa lalu. Orang-orang yang masih terus
belajar, akan menjadi pemilik masa depan
Tinggalkanlah kesenangan yang menghalangi
pencapaian kecemerlangan hidup yang di
idamkan. Dan berhati-hatilah, kerana beberapa
kesenangan adalah cara gembira menuju
kegagalan
Jangan menolak perubahan hanya kerana kita
takut kehilangan yang telah dimiliki, kerana
dengannya kita merendahkan nilai yang akan
kita capai melalui perubahan itu
kita tidak akan berhasil menjadi peribadi baru bila
kita berkeras untuk mempertahankan cara-cara
lama kita. kita akan disebut baru, hanya bila
cara-cara kita baru
Ketepatan sikap adalah dasar semua ketepatan.
Tidak ada penghalang keberhasilan bila sikap
kita tepat, dan tidak ada yang akan menolong
bila sikap kita salah
Orang lanjut usia yang berorientasi pada
kesempatan adalah orang muda yang tidak
pernah menua ; tetapi pemuda yang berorientasi
pada keamanan, telah menua sejak muda
Hanya orang takut yang bisa berani, karena keberanian adalah melakukan sesuatu yang ditakutinya. Maka, bila merasa takut, kita akanb punya kesempatan untuk bersikap berani
Kekuatan terbesar yang mampu mengalahkan
stress adalah kemampuan memilih pikiran yang tepat. kita akan menjadi lebih damai bila yang kita pikirkan adalah jalan keluar masalah.
Jangan pernah merobohkan pagar tanpa mengetahui mengapa didirikan. Jangan pernah mengabaikan tuntunan kebaikan tanpa mengetahui keburukan yang kemudian kita dapat
Seseorang yang menolak memperbarui cara-cara kerjanya yang tidak lagi menghasilkan, berlaku seperti orang yang terus memeras jerami untuk mendapatkan santan
Bila kita belum menemkan pekerjaan yang sesuai dengan bakat kita, bakatilah apapun pekerjaan kita sekarang. kita akan tampil secemerlang yang berbakat
Kita lebih menghormati orang miskin yang berani daripada orang kaya yang penakut. Karena sebetulnya telah jelas perbedaan kualitas masa depan yang akan mereka capai
Jika kita hanya mengerjakan yang sudah kita ketahui, kapankah kita akan mendapat pengetahuan yang baru ? Melakukan yang belum
kita ketahui adalah pintu menuju pengetahuan
Jangan hanya menghindari yang tidak mungkin. Dengan mencoba sesuatu yang tidak mungkin,kita akan bisa mencapai yang terbaik dari yang mungkin kita capai.
Salah satu pengkerdilan terkejam dalam hidup adalah membiarkan pikiran yang cemerlang menjadi budak bagi tubuh yang malas, yang mendahulukan istirahat sebelum lelah.
Bila kita mencari wang, kita akan dipaksa
mengupayakan pelayanan yang terbaik.
Tetapi jika kita mengutamakan pelayanan yang baik, maka kitalah yang akan dicari wang
Waktu ,mengubah semua hal, kecuali kita. Kita mungkin menua dengan berjalanannya waktu, tetapi belum tentu membijak. Kita-lah yang harus mengubah diri kita sendiri
Semua waktu adalah waktu yang tepat untuk melakukan sesuatu yang baik. Jangan menjadi orang tua yang masih melakukan sesuatu yang seharusnya dilakukan saat muda.
Tidak ada harga atas waktu, tapi waktu sangat berharga. Memilik waktu tidak menjadikan kita kaya, tetapi menggunakannya dengan baik
adalah sumber dari semua kekayaan
Ketika satu pintu kebahagiaan tertutup,
pintu yang lain dibukakan.
Tetapi sering kali kita terpaku terlalu lama
pada pintu yang tertutup sehingga tidak melihat
pintu lain yang dibukakan bagi kita.
Dalam hidup,terkadang kita lebih banyak
mendapatkan apa yang tidak kita inginkan.
Dan ketika kita mendapatkan apa yang kita
inginkan, akhirnya kita tahu bahwa yang kita
inginkan terkadang tidak dapat membuat
hidup kita menjadi lebih bahagia
Bermimpilah tentang apa yang ingin kamu impikan,
pergilah ke tempat-tempat kamu ingin pergi.
Jadilah seperti yang kamu inginkan,
kerna kamu hanya memiliki satu kehidupan dan
satu kesempatan untuk melakukan hal-hal
yang ingin kamu lakukan.
Masa depan yang cerah berdasarkan pada masa
lalu yang telah dilupakan. Kamu tidak
dapat melangkah dengan baik dalam kehidupan
kamu sampai kamu melupakan kegagalan
kamu dan rasa sakit hati.
Waktu kamu lahir, kamu menangis dan
orang-orang di sekelilingmu tersenyum.
Jalanilah hidupmu sehingga pada
waktu kamu meninggal, kamu tersenyum dan
orang-orang di sekelilingmu menangis.
Semoga kamu mendapat cukup kebahagiaan
untuk membuat kamu bahagia, cukup
cubaan untuk membuat kamu kuat, cukup
penderitaan untuk membuat kamu menjadi
manusia yang sesungguhnya, dan cukup harapan
untuk membuat kamu positif terhadap kehidupan.
Yang memimpin wanita bukan akalnya, melainkan hatinya.
Hari ini bila ia datang, jangan biarkan ia berlalu pergi.
Esok kalau ia masih bertandang,
jangan harap ia akan datang kembali
Sesuatu yang baik, belum tentu benar.
Sesuatu yang benar, belum tentu baik.
Sesuatu yang bagus, belum tentu berharga.
Sesuatu yang berharga/berguna,
belum tentu bagus.
Agama menjadi sendi hidup, pengaruh
menjadi penjaganya. Kalau tidak bersendi,
runtuhlah hidup dan kalau tidak berpenjaga,
binasalah hayat. Orang yang terhormat itu
kehormatannya sendiri melarangnya
berbuat jahat. -Pepatah Arab
Jangan tertarik kepada seseorang
kerna parasnya, sebab keelokan paras
dapat menyesatkan. Jangan pula tertarik
kepada kekayaannya kerna kekayaan dapat
musnah. Tertariklah kepada seseorang yang
dapat membuatmu tersenyum, kerna hanya
senyum yang dapat membuat hari-hari
yang gelap menjadi cerah.
Sungguh benar bahwa kita tidak tahu
apa yang kita miliki sampai kita kehilangannya,
tetapi sungguh benar pula bahwa kita
tidak tahu apa yang belum pernah
kita miliki sampai kita mendapatkannya.
Masa depan yang cerah selalu tergantung
pada masa lalu yang dilupakan.
Kita tidak dapat meneruskan hidup dengan
baik jika tidak dapat melupakan
kegagalan dan sakit hati di masa lalu.
Tentang Waktu
Ambillah waktu untuk berfikir,
itu adalah sumber kekuatan.
Ambillah waktu untuk bermain,
itu adalah rahsia dari masa muda yang abadi.
Ambillah waktu untuk berdoa,
itu adalah sumber ketenangan.
Ambillah waktu untuk belajar,
itu adalah sumber kebijaksanaan.
Ambillah waktu untuk mencintai dan dicintai
itu adalah hak istimewa yang diberikan Tuhan.
Ambillah waktu untuk bersahabat,
itu adalah jalan menuju kebahagiaan.
Ambillah waktu untuk tertawa,
itu adalah musik yang menggetarkan hati.
Ambillah waktu untuk memberi,
itu adalah membuat hidup terasa bererti.
Ambillah waktu untuk bekerja,
itu adalah nilai keberhasilan.
Ambillah waktu untuk beramal,
itu adalah kunci menuju syurga.
Harta yang paling menguntungkan ialah SABAR.
Teman yang paling akrab adalah AMAL.
Pengawal peribadi yang paling waspada DIAM.
Bahasa yang paling manis SENYUM.
Dan ibadah yang paling indah tentunya KHUSYUK.
SEMUA ORANG INGIN BERHASIL, TETAPI TIDAK SETIAP ORANG BERSEDIA BERUBAH.
Sebagian besar dari janji yang memenuhi langit adalah janji untuk berubah, tetapi yang diucapkan oleh orang-orang yang tersinggung dan marah jika dianjurkan untuk mengubah sikap dan cara-caranya.
MEMANG PERUBAHAN TIDAK MENJAMIN KEBERHASILAN, TETAPI TIDAK ADA KEBERHASILAN YANG BISA DICAPAI TANPA PERUBAHAN.
Wanita yang cantik tanpa peribadi
yang mulia ,umpama kaca mata yang
bersinar-bersinar, tetapi tidak melihat apa-apa
Jangan sekali-kali kita meremehkan
sesuatu perbuatan baik walaupun
hanya sekadar senyuman.
Anda bukan apa yang anda fikirkan
tentang anda, tetapi apa
yang anda fikirkan itulah anda
Hidup tak selalunya indah tapi
yang indah itu tetap hidup
dalam kenangan.
Hidup memerlukan pengorbananan.
Pengorbanan memerlukan perjuangan.
Perjuangan memerlukan ketabahan.
Ketabahan memerlukan keyakinan.
Keyakinan pula menentukan kejayaan.
Kejayaan pula akan menentukan kebahagiaan.
Kekayaan bukanlah satu dosa dan
kecantikan bukanlah satu kesalahan.
Oleh itu jika anda memiliki kedua-duanya
janganlah anda lupa pada Yang Maha Berkuasa.
Sampan tidak akan dapat belayar di
padang pasir betapa pun jua
empuknya pasir itu -Pepatah Arab
Perjalanan seribu batu bermula
dari satu langkah.- Lao Tze
Kalaulah anda tidak mampu untuk
menggembirakan orang lain,
janganlah pula anda menambah dukanya.
Gantungkan azam dan semangatmu
setinggi bintang di langit dan
rendahkan hatimu serendah mutiara di lautan
Saya percaya, esok sudah tidak boleh
mengubah apa yang berlaku hari ini,
tetapi hari ini masih boleh mengubah
apa yang akan terjadi pada hari esok
Jika anda sedang benar, jangan
terlalu berani dan bila anda sedang
takut, jangan terlalu takut. Karena
keseimbangan sikap adalah penentu
ketepatan perjalanan kesuksesan anda
Tugas kita bukanlah untuk berhasil.
Tugas kita adalah untuk mencoba,
karena didalam encoba itulah kita
menemukan dan belajar membangun kesempatan untuk berhasil
Anda hanya dekat dengan mereka
yang anda sukai. Dan seringkali
anda menghindari orang yang tidak
tidak anda sukai, padahal dari dialah
Anda akan mengenal sudut pandang yang baru
Orang-orang yang berhenti belajar akan
menjadi pemilik masa lalu. Orang-orang
yang masih terus belajar, akan menjadi pemilik masa depan
Tinggalkanlah kesenangan yang menghalangi pencapaian kecemerlangan hidup yang di idamkan. Dan berhati-hatilah, karena
beberapa kesenangan adalah
cara gembira menuju kegagalan
Jangan menolak perubahan hanya karena anda takut kehilangan yang telah
dimiliki, karena dengannya anda
merendahkan nilai yang bisa
anda capai melalui perubahan itu
Anda tidak akan berhasil menjadi
pribadi baru bila anda berkeras
untuk mempertahankan cara-cara
lama anda. Anda akan disebut baru,
hanya bila cara-cara anda baru
Hanya orang takut yang bisa berani,
karena keberanian adalah melakukan
sesuatu yang ditakutinya. Maka,
bila merasa takut, anda akan
punya kesempatan untuk bersikap berani
Kekuatan terbesar yang mampu mengalahkan
stress adalah kemampuan memilih
pikiran yang tepat. Anda akan menjadi
lebih damai bila yang anda
pikirkan adalah jalan keluar masalah.
Jangan pernah merobohkan pagar
tanpa mengetahui mengapa didirikan.
Jangan pernah mengabaikan tuntunan
kebaikan tanpa mengetahui keburukan
yang kemudian anda dapat
Seseorang yang menolak memperbarui
cara-cara kerjanya yang tidak lagi
menghasilkan, berlaku seperti orang
yang terus memeras jerami
untuk mendapatkan santan
Bila anda belum menemkan pekerjaan
yang sesuai dengan bakat anda,
bakatilah apapun pekerjaan anda sekarang.
Anda akan tampil secemerlang
yang berbakat Kita lebih menghormati
orang miskin yang berani daripada
orang kaya yang penakut. Karena
sebetulnya telah jelas perbedaan kualitas masa
depan yang akan mereka capai
Wednesday, June 23, 2010
25 Tips dan Petua bagi anak pandai dalam bahasa Inggeris
Tip-tip ini saya ambil dari email. Tip-tips ini dari Yusoff (boleh hubungi beliau di cikgutuition@ yahoo.com) Beliau juga selalu menganjur Kelas Asas-Asas bahasa Inggeris
25 Tips dan Petua bagi anak pandai dalam bahasa Inggeris
1. Anda dah boleh ajar anak anda mahir dalam bahasa Inggeris dari mereka dalam kandungan lagi. Berbual dengan mereka dalam bahasa Inggeris. Nyanyikan lagu-lagu dalam bahasa Inggeris. Mainkan lagu2 dalam bahasa Inggeris untuk mereka dengar. Kalau nak lagu-lagu nasyid rasanya dah banyak yang ada dalam bahasa Inggeris seperti lagu-lagu nasyid Yusuf Islam.
2. Bila anak dah lahir teruskan berbual dengan anak anda tu dalam bahasa Inggeris. Kalau boleh gunakan teknik One Parent One Language. Maknanya sorang kenalah cakap Bahasa Inggeris n sorang cakap bm sepenuhnya. Jadi anak nanti mahir dalam kedua2 bahasa, InsyaAllah.
3. Gunakan sumber pengajaran seperti kad imbas, poster, vcd, cd dan lain2 untuk mewujudkan persekitaran yang sesuai untuk mereka belajar.
4. Jangan jadikan kelemahan anda dalam bahasa Inggeris sebagai alasan untuk tidak mendedahkan mereka kepada bahasa Inggeris pada peringkat awal lagi.
Berkorban sedikit.Belajar balik bahasa Inggeris tu untuk anak2 anda. Tak perlu mahir untuk mengajar mereka sebab anda sentiasa boleh rujuk kepada buku2 dan lain2 sumber untuk menagajar.
5. Kad imbas amat berkesan untuk memperkenalkan perkataan baru bahasa Inggeris tanpa perlu anda menggunakan bahasa ibunda anda. Ini kerana kad imbas menggunakan gambar/imej. Gunakan permainan2 kad imbas yang menarik untuk menagajar mereka.
6. Jangan merasa malu dan segan untuk mengajar anak-anak anda dikhalayak ramai. Pedulikan pandangan sinis orang lain. Yang penting anak anda akan mahir dalam bahasa Inggeris dan bila masuk sekolah nanti tak ada masalah dengan mata pelajaran bahasa Inggeris, Sains dan matematik.
7. Ingat yang bila seseorang kanak-kanak mahir dalam bahasa, IQ mereka juga akan meningkat.
8. Kalau ada yang anda tak faham, jangan segan bertanya dengan orang lain.
9. Belikan buku-buku cerita yang menarik yang banyak gambar2 untuk anak-anak anda. Kalau dia orang minat kartun,tak salah anda belikan komik dalam bahasa Inggeris. Sekarang ni komik Doraemon pun ada dalam dwibahasa.
10. Rajin2 lah bacakan buku cerita kepada anak anda. Pupukkan sikap suka memabca bahan2 dalam bahasa Inggeris kepada mereka.
11. Dapatkan sokongan suami/isteri untuk mengajar anak-anak anda. Kenalah ada team effort.Jangan buat sorang2. Tak salah juga kalau minta bantuan ibubapa atau mertua anda untuk sama2 membantu. Kadang2 mereka ini lagi fasih dari kita.
12. Kalau mampu hantar le ke tadika yang ada ajar bahasa Inggeris. Kalau x ada budget jangan lah risau. Anda sendiri boleh mengajar mereka dengan berkesan.
13. Kenali diri anak anda dan ketahui apa yang mereka minati. Kalau dia minat Sesame Street belilah vcd2 Sesame Street.
14. Gunakanlah sumber percuma atau sumber2 yang telah anda bayar.. Pilih rancangan2 di tv dan Astro yang sesuai untuk anak-anak anda seperti rancangan Sesame Street, Noddy, Bob The Builder ke dan lain¦Kalau anda sendiri nak belajar bahasa Inggeris, di Astro ada channel TVIQ 552 yang banyak rancangan2 bahasa Inggeris.
15. Jangan paksa atau beri tekanan terutamanya kepada kanak-kanak yang masih kecil. Ingat yang mereka ini moody, cepat lupa, mudah bosan dan lebih suka bermain dari belajar. So anda kenalah cari teknik2 pengajaran yang tidak membosan kan. Kalau nak ajar tak payah lama2 dan cari masa yang sesuai bila dia org boleh beri lebih tumpuan.
16. Beli poster yang sesuai dan tampalkan di dalam rumah anda. Pastu tearngkanlah kepada mereka dan lepastu anda kenalah rajin ulangkan apa yang anda terangkan kepada mereka sebab mereka ni mudah lupa.
17. Kalau betul caranya kanak-kanak boleh mengusai lima bahasa serentak!
18. Jangan risau., anak anda tak akan pening kalau anda dedahkan kepada dua bahasa dari kecil. Mula2 je dia pening tapi dia akan cepat sedar yang mereka menggunakan dua bahasa.
19. Konsisten dalam pengajaran anda tu. Jangan kejap cakap bm dan kejap cakap bahasa Inggeris atau campur dalam ayat anda.
20. Jangan guna bahasa bayi. Sebut betul2 dan gunakan ayat yang betul grammar dia.
21. Kalau anak anda sebut tak betul ,betulkan sebutan mereka dengan anda ulang semula apa yang mereka sebut tu.
22. Belajar balik bahasa Inggeris anda. Walaupun anda rasa yang bahasa Inggeris anda dah ok tak salah kalau anda belajar balik sebab kdg2 kita ni tak sempurna. Or kdg2 benda yang kita ingat betul sebenarnya salah atau kurang tepat.
23. Selain dari mengguna kad imbas anda juga boleh gunakan kad perkataan. Ni x ada imej atau gambar. Senang je nak buat.Belije kad2 untuk buat nota yang bersaiz poket. Kad ni sesuai jugak untuk anda mempelajari perkataan baru dengan menggunakan Thesaurus dan Dictionary.
24.Kalau boleh jangan gunakan kamus Bahasa Inggeris-BM. Cuba gunakan kamus bahasa Inggeris-bahasa Inggeris ataupun gunakan kamus English-English- Malay macam yang saya gunakan. Ini boleh membantu anda ˜berfikir' bahasa Inggeris.
25. Kalau anda sendiri tak berapa ingat perkataan-perkataan bahasa Inggeris , apa kata anda gunakan label dan tampalkan pada tempat2 yang sesuai seperti letak label fridge di peti ais, kitchen di dapur dan sebagainya. So dengan cara ini anda pun ingat apa yang perlu disebut dan anak anda pun boleh ingat apa yang perlu disebut.
25 Tips dan Petua bagi anak pandai dalam bahasa Inggeris
1. Anda dah boleh ajar anak anda mahir dalam bahasa Inggeris dari mereka dalam kandungan lagi. Berbual dengan mereka dalam bahasa Inggeris. Nyanyikan lagu-lagu dalam bahasa Inggeris. Mainkan lagu2 dalam bahasa Inggeris untuk mereka dengar. Kalau nak lagu-lagu nasyid rasanya dah banyak yang ada dalam bahasa Inggeris seperti lagu-lagu nasyid Yusuf Islam.
2. Bila anak dah lahir teruskan berbual dengan anak anda tu dalam bahasa Inggeris. Kalau boleh gunakan teknik One Parent One Language. Maknanya sorang kenalah cakap Bahasa Inggeris n sorang cakap bm sepenuhnya. Jadi anak nanti mahir dalam kedua2 bahasa, InsyaAllah.
3. Gunakan sumber pengajaran seperti kad imbas, poster, vcd, cd dan lain2 untuk mewujudkan persekitaran yang sesuai untuk mereka belajar.
4. Jangan jadikan kelemahan anda dalam bahasa Inggeris sebagai alasan untuk tidak mendedahkan mereka kepada bahasa Inggeris pada peringkat awal lagi.
Berkorban sedikit.Belajar balik bahasa Inggeris tu untuk anak2 anda. Tak perlu mahir untuk mengajar mereka sebab anda sentiasa boleh rujuk kepada buku2 dan lain2 sumber untuk menagajar.
5. Kad imbas amat berkesan untuk memperkenalkan perkataan baru bahasa Inggeris tanpa perlu anda menggunakan bahasa ibunda anda. Ini kerana kad imbas menggunakan gambar/imej. Gunakan permainan2 kad imbas yang menarik untuk menagajar mereka.
6. Jangan merasa malu dan segan untuk mengajar anak-anak anda dikhalayak ramai. Pedulikan pandangan sinis orang lain. Yang penting anak anda akan mahir dalam bahasa Inggeris dan bila masuk sekolah nanti tak ada masalah dengan mata pelajaran bahasa Inggeris, Sains dan matematik.
7. Ingat yang bila seseorang kanak-kanak mahir dalam bahasa, IQ mereka juga akan meningkat.
8. Kalau ada yang anda tak faham, jangan segan bertanya dengan orang lain.
9. Belikan buku-buku cerita yang menarik yang banyak gambar2 untuk anak-anak anda. Kalau dia orang minat kartun,tak salah anda belikan komik dalam bahasa Inggeris. Sekarang ni komik Doraemon pun ada dalam dwibahasa.
10. Rajin2 lah bacakan buku cerita kepada anak anda. Pupukkan sikap suka memabca bahan2 dalam bahasa Inggeris kepada mereka.
11. Dapatkan sokongan suami/isteri untuk mengajar anak-anak anda. Kenalah ada team effort.Jangan buat sorang2. Tak salah juga kalau minta bantuan ibubapa atau mertua anda untuk sama2 membantu. Kadang2 mereka ini lagi fasih dari kita.
12. Kalau mampu hantar le ke tadika yang ada ajar bahasa Inggeris. Kalau x ada budget jangan lah risau. Anda sendiri boleh mengajar mereka dengan berkesan.
13. Kenali diri anak anda dan ketahui apa yang mereka minati. Kalau dia minat Sesame Street belilah vcd2 Sesame Street.
14. Gunakanlah sumber percuma atau sumber2 yang telah anda bayar.. Pilih rancangan2 di tv dan Astro yang sesuai untuk anak-anak anda seperti rancangan Sesame Street, Noddy, Bob The Builder ke dan lain¦Kalau anda sendiri nak belajar bahasa Inggeris, di Astro ada channel TVIQ 552 yang banyak rancangan2 bahasa Inggeris.
15. Jangan paksa atau beri tekanan terutamanya kepada kanak-kanak yang masih kecil. Ingat yang mereka ini moody, cepat lupa, mudah bosan dan lebih suka bermain dari belajar. So anda kenalah cari teknik2 pengajaran yang tidak membosan kan. Kalau nak ajar tak payah lama2 dan cari masa yang sesuai bila dia org boleh beri lebih tumpuan.
16. Beli poster yang sesuai dan tampalkan di dalam rumah anda. Pastu tearngkanlah kepada mereka dan lepastu anda kenalah rajin ulangkan apa yang anda terangkan kepada mereka sebab mereka ni mudah lupa.
17. Kalau betul caranya kanak-kanak boleh mengusai lima bahasa serentak!
18. Jangan risau., anak anda tak akan pening kalau anda dedahkan kepada dua bahasa dari kecil. Mula2 je dia pening tapi dia akan cepat sedar yang mereka menggunakan dua bahasa.
19. Konsisten dalam pengajaran anda tu. Jangan kejap cakap bm dan kejap cakap bahasa Inggeris atau campur dalam ayat anda.
20. Jangan guna bahasa bayi. Sebut betul2 dan gunakan ayat yang betul grammar dia.
21. Kalau anak anda sebut tak betul ,betulkan sebutan mereka dengan anda ulang semula apa yang mereka sebut tu.
22. Belajar balik bahasa Inggeris anda. Walaupun anda rasa yang bahasa Inggeris anda dah ok tak salah kalau anda belajar balik sebab kdg2 kita ni tak sempurna. Or kdg2 benda yang kita ingat betul sebenarnya salah atau kurang tepat.
23. Selain dari mengguna kad imbas anda juga boleh gunakan kad perkataan. Ni x ada imej atau gambar. Senang je nak buat.Belije kad2 untuk buat nota yang bersaiz poket. Kad ni sesuai jugak untuk anda mempelajari perkataan baru dengan menggunakan Thesaurus dan Dictionary.
24.Kalau boleh jangan gunakan kamus Bahasa Inggeris-BM. Cuba gunakan kamus bahasa Inggeris-bahasa Inggeris ataupun gunakan kamus English-English- Malay macam yang saya gunakan. Ini boleh membantu anda ˜berfikir' bahasa Inggeris.
25. Kalau anda sendiri tak berapa ingat perkataan-perkataan bahasa Inggeris , apa kata anda gunakan label dan tampalkan pada tempat2 yang sesuai seperti letak label fridge di peti ais, kitchen di dapur dan sebagainya. So dengan cara ini anda pun ingat apa yang perlu disebut dan anak anda pun boleh ingat apa yang perlu disebut.
Tuesday, June 15, 2010
Wednesday, June 2, 2010
Peringatan: Keruntuhan Moral
Pada mula saya ingin menulis untuk post kali ini, saya terkial-kial untuk mencari tajuk yang sesuai.. keruntuhan moral..mengandung bawah umur.. entah le..Last sekali saya masukkan tajuk di atas.."peringatan: keruntuhan moral".
Berita yang amat mengejutkan saya tentang remaja pada masa ini. Saya harap sangat supaya anak-anak yang saya kandung, didik, tidak termasuk di dalam golongan ini. Ini merupakan mimpi negeri buat seorang ibu.
KUALA TERENGGANU: A spate of 16 pregnancies and four deliveries since last year prompted the Parent-Teacher Association (PTA) of a secondary school here to convene an emergency meeting on Tuesday. Read more: Pregnancies spark alarm http://www.nst.com.my/nst/articles/11prx/Article#ixzz0plYE7ExE
Ada seorang ustaz semasa memberi ceramah agama, ada beliau selitkan masalah keruntuhan moral remaja masa ini. Beliau mengatakan mengenai trend bayi yang dijumpai di tong sampah, sungai malah ditanam dibelakang rumah. Beliau suruh kami semua kira 9 bln sebelumnya, apa peristiwa yang berlaku; samada hari kekasih, sambutan tahun baru dsbnya.
Berbalik kepada kejadian diatas, jika melahirkan anak pada bulan June, 9 bulan yang lepas ada cuti sekolah dari 22-31 August 2009. Mungkin teori ustaz tu boleh diambil kira. Mungkin masa kejadian ibubapa tiada dirumah, mereka berpelesan dimana-mana. Entah... yang lain tu, masing-masing fikirlah apa yang terjadi..
Berita yang amat mengejutkan saya tentang remaja pada masa ini. Saya harap sangat supaya anak-anak yang saya kandung, didik, tidak termasuk di dalam golongan ini. Ini merupakan mimpi negeri buat seorang ibu.
KUALA TERENGGANU: A spate of 16 pregnancies and four deliveries since last year prompted the Parent-Teacher Association (PTA) of a secondary school here to convene an emergency meeting on Tuesday. Read more: Pregnancies spark alarm http://www.nst.com.my/nst/articles/11prx/Article#ixzz0plYE7ExE
Ada seorang ustaz semasa memberi ceramah agama, ada beliau selitkan masalah keruntuhan moral remaja masa ini. Beliau mengatakan mengenai trend bayi yang dijumpai di tong sampah, sungai malah ditanam dibelakang rumah. Beliau suruh kami semua kira 9 bln sebelumnya, apa peristiwa yang berlaku; samada hari kekasih, sambutan tahun baru dsbnya.
Berbalik kepada kejadian diatas, jika melahirkan anak pada bulan June, 9 bulan yang lepas ada cuti sekolah dari 22-31 August 2009. Mungkin teori ustaz tu boleh diambil kira. Mungkin masa kejadian ibubapa tiada dirumah, mereka berpelesan dimana-mana. Entah... yang lain tu, masing-masing fikirlah apa yang terjadi..
Monday, May 10, 2010
My "Mother Day"
This year, I received a card from my daughters. The elder was write on the card -"Selamat Hari Ibu. Ibu, saya sayang Ibu. Ibu maafkan kakak. Kakak tahu kakak salah. Ibu, saya sayang Ibu". The second was write - "I miss Ibu, I love Ibu". So touchhhhhhhhhh.
On afternoon, we celebrate mothers day with 1superkids family day at Puchong. So fun. And I meet with Azizah Ariffin but unfortunately I didnt manage to take a picture with her. I have learnt to do flet craft. So course the ugly frog.. al maklum le keras tangan.
On evening, we having a dinner nearby my house - kembung sweet sour, tomyam seafood, telur dadar, kailan ikan masin...
On afternoon, we celebrate mothers day with 1superkids family day at Puchong. So fun. And I meet with Azizah Ariffin but unfortunately I didnt manage to take a picture with her. I have learnt to do flet craft. So course the ugly frog.. al maklum le keras tangan.
On evening, we having a dinner nearby my house - kembung sweet sour, tomyam seafood, telur dadar, kailan ikan masin...
Thursday, May 6, 2010
Tanda-tanda Sakit Anggota Badan
Risalah ini bagus untuk anda semua. Tanda-tanda sakit yang selalu kita rasakan berhubung kait dengan fungsi badan yang lain. Bacalah untuk menilai sejauh mana KESIHATAN DIRI ANDA :-
1. MATA (Bertindak balas dengan keadaan hati).
i) Mata menjadi merah
Hati mengandungi paras toksin yang tinggi. Mata menjadi merah menandakan badan kita sedang dalam proses pembuangan toksin.
ii) Mata menjadi kabur
Sering berlaku pada waktu pagi. Menandakan proses penyeimbangan hati sedang berlaku.
iii) Keluar tahi mata
Fungsi hati lemah, pembuangan toksin sedang berlaku. Ini juga menunjukkan badan mengandungi asid berlebihan.
iv) Keluar air mata
Gangguan emosi yang bersangkut dengan hati atau bebanan kerja
v) Ketegangan mata dan kelopak
Tekanan perasaan kerana tidak puas hati atau bebanan yang berat.
2. HIDUNG
Hidung mempunyai hubungan rapat dengan paru-paru dan kerongkong.
i) Selesema
Proses pembuangan toksin di bahagian kerongkong. Badan mengandungi asid berlebihan (biasanya suhu badan meningkat).
ii) Hidung sumbat
Paru-paru mengandungi toksin yang berlebihan.Proses menyeimbangkan masalah alahan hidung.
iii) Bersin
a. Proses membuang toksin di bahagian kerongkong.
b. Proses menyeimbangkan masalah alahan hidung.
3. BATUK
a. Batuk keluar kahak
Proses membuang toksin di bahagian kerongkong.
b. Batuk tanpa kahak
Paru-paru mengandungi toksin yang berlebihan. Biasanya kahak pekat keluar selepas beberapa hari memakan RG..
c. Batuk dan berasa gatal di kerongkong
Proses membuang toksin di bahagian kerongkong dan paru-paru, biasanya berlaku pada orang yang banyak merokok atau terdedah kepada udara yang tercemar.
4. KERONGKONG
i) Kerongkong kering
Proses membuang toksin sedang berlakudi seluruh badan. Ini adalah tanda bahawa badan kita memerlukan banyak air untuk membuang toksin.
ii) Sakit kerongkong
Seperti di atas. Paras keracunan lebih serius.
5. BIBIR (Berkaitan dengan fungsi sistem penghadaman)
i) Bibir pucat
a.Sistem penghadaman yang lemah.
b. Perut mengandungi angin.
c. Kurang darah yang disebabkan oleh sistem penghadaman yang kurang sempurna dan mengakibatkan kekurangan zat besi. Sepatutnya diperkuatkan fungsi penghadaman dahulu dengan RG sebelum memakan zat besi.
ii) Bibir kering dan pecah
Perut mengandungi banyak bahan toksin.
6. MULUT DAN LIDAH
Berkaitan dengan fungsi jantung dan sistem pengedaran darah.
i) Lidah atau gusi bengkak, sakit
Menunjukkan jantung mempunyai masalah, seperti lemak yang berlebihan, injap menjadi lemah, saluran koronari tersumbat dan lain-lain lagi
ii) Lidah, tisu mulut atau gusi menjadi pecah-pecah (ulser).
Menandakan darah mengandungi asid berlebihan
iii) Mulut berbau busuk
Proses penyeimbangan fungsi perut untuk pembuangan toksin.
7. TELINGA
Berkaitan dengan buah pinggang.
i) Telinga terasa tersumbat
Buah pinggang mengandungi toksin berlebihan.
ii) Telinga berdengung
Sedang merawat buah pinggang yang lemah. Biasanya tapak kaki terasa sakit ketika bangun pagi dan sakit itu hilang setelah berjalan-jalan.
8. KULIT BERPELUH
a) Peluh masin
Badan mengandungi lebihan asid urik.
b) Peluh berbau
Badan menyingkirkan toksin melalui perpeluhan.
9. RUAM DAN BISUL
Badan menyingkirkan toksin yang berlemak dan toksin yang tidak larut dalam air.
10. KULIT GATAL DENGAN RUAM
Proses menyingkirkan toksin melalui kulit akibat terlalu banyak memakan ubat yang mengandungi bahan kimia.
11. KULIT PECAH DAN BERAIR
Proses pembuangan toksin yang larut dalam air. Sapukan serbuk Ganoderma pada kulit berkenaan.
12. RAMBUT GUGUR
Menandakan fungsi buah pinggang yang lemah. Selepas proses gugur, rambut akan tumbuh semula dengan lebih sihat dan subur.
13. SENDI-SENDI, TANGAN DAN KAKI
a. Sakit Sendi
i) Rasa panas.
Menunjukkan terdapat luka di bahagian sendi berkenaan dan tanda- tanda penyakit pirai (gout).
ii) Tidak rasa panas .
Tanda-tanda sakit lenguh (rheumatism).
iii) Sakit di bahagian bahu.
a)Menandakan saluran darah telah menjadi keras dan fungsi metabolisme tidak seimbang.
b) Kebas Tangan
Pengaliran darah di bahagian atas badan tidak lancar.
c) Kebas Tangan Kiri dan Lengan
Tanda-tanda lemah atau sakit jantung. Jika rasa kebas menjadi sakit di bahagian lengan dan kekal di sana , ini menandakan serangan sakit jantung mungkin berlaku.
d) Kebas Kaki
Pengaliran darah di bahagian bawah badan tidak lancar.
e) Sakit Tapak Kaki
Menandakan buah pinggang lemah. Biasanya disebabkan oleh kekurangan senaman dan duduk terlalu lama.
f) Sakit Tumit Kaki
Menunjukkan kelemahan fungsi alat kelamin.
g) Rasa Panas di Tapak Kaki
Penyeimbangan fungsi buah pinggang akibat lemah tenaga batin.
h) Gatal di Celah-Celah Jari Kaki
Menunjukkan tanda awal penyakit kaki busuk (Hong Kong Foot).
14. TANDA-TANDA DALAMAN
a. Kepala.
Secara amnya, segala tindak balas yang berlaku di bahagian kepala mempunyai kaitan dengan sistem pengaliran darah, jantung dan saraf otak.
b. Pening/Sakit di Bahagian Depan Kepala
Menandakan sakit tekanan jiwa (neurosis) akibat bebanan mental dan banyak berfikir.
c. Pening/Sakit di Bahagian Belakang Kepala
i) Bahagian atasMenunjukkan penyakit tekanan darah tinggi.
ii) Bahagian bawah (tengkuk).Menunjukkan penyakit tekanan darah tinggi atau tekanan darah.
d. Sakit Kepala dan Rasa Gas Keluar dari Telinga
Menandakan penyakit migrain.
e. Bisul Terjadi di Kepala
Tanda pembuangan toksin sedang berlaku. Kadang-kadang dikaitkan dengan penyakit migrain.
f. Rasa Pening yang Memusing
Tanda kurang darah atau pengaliran darah tidak lancar.
15. MULUT/KERONGKONG/ LIDAH
a. Loya/MuntahTanda penyakit lelah.
Pembuangan bahan toksik dari bahagian perut.
b. Muntah Darah
i) Darah merah
Pembuangan tisu yang sudah rosak di bahagian kerongkong dan
ii) Darah hitam
Pembuangan tisu yang sudah rosak di bahagian perut; misalnya penyakit ulser.
16. LIDAH RASA TEGANG DAN PENDEK
Tanda sakit jantung.
17. KELUAR AIR LIUR YANG PEKAT
Proses pembuangan toksin dari kerongkong akibat jangkitan kuman
18. KENCING
a) Kerap Kencing
Menunjukkan buah pinggang mengandungi kotoran yang teruk
b) Air Kencing Berkapur
Menunjukkan penyakit batu karang dalam buah pinggang.
c) Air Kencing Berminyak
Menunjukkan buah pinggang mengandungi kotoran berlemak.
d) Air Kencing Pekat Berwarna Coklat
Menandakan proses pembuangan toksin sedang berlaku.
e) Air Kencing Berdarah
Penyakit batu karang atau buah pinggang luka.
19. BUANG AIR BESAR
a) Cirit-birit/ Kerap Buang Air Besar
Membersihkan kotoran/keracunan dari usus besar. Cirit-birit dengan serta merta selepas memakan RG, menandakan penyakit barah di bahagian usus besar
b) Sembelit
Membersihkan toksin dari usus kecil.
c) Najis Berdarah
i) Darah merah
Masalah penyakit buasir atau barah di bahagian usus.
ii) Darah hitam
Masalah penyakit ulser perut.
d) Najis Berwarna Hitam
Menunjukkan proses pembuangan toksin di bahagian usus sedang berlaku.
20. BADAN
a) Rasa Sakit
Secara amnya, segala kesakitan badan adalah disebabkan saluran darah.
i) Sakit menyucuk
Proses menyeimbangkan urat saraf.
ii) Sakit sengal
Menandakan luka di dalam badan.
iii) Sakit menyentap
Proses menyeimbangkan urat saraf yang berkaitan dengan organ-organ badan.
iv) Sakit menegang
Proses melancarkan pengaliran darah.
b) Badan Terasa Berat/ Malas/ Lenguh.
Badan mengandungi asid yang berlebihan. Proses penyeimbangan
c) Badan Terasa Panas.Badan mengandungi asid yang berlebihan.
Ini menandakan badan memerlukan banyak air untuk menjalankan proses pembuangan toksin.
d) Badan Terasa Ringan
Menandakan badan segar dan proses awet muda sedang berlaku.
21. RASA TAKUT MENGEJUT
Lemah fungsi buah pinggang. Tenaga batin lemah.
22. CEPAT NAIK DARAH/MARAH
Fungsi hati lemah. Tekanan darah tinggi.
23. RASA BIMBANG DAN TAKUT
Sistem paru-paru yang lemah.
24. RASA SERONOK ATAU BIMBANG TANPA SEBAB
i) Sistem jantung yang lemah.
ii) Sistem saraf otak yang lemah.
iii) Masalah pengaliran darah.
25. SUKA BERFIKIR DAN BERKHAYAL
Sistem penghadaman yang lemah.
1. MATA (Bertindak balas dengan keadaan hati).
i) Mata menjadi merah
Hati mengandungi paras toksin yang tinggi. Mata menjadi merah menandakan badan kita sedang dalam proses pembuangan toksin.
ii) Mata menjadi kabur
Sering berlaku pada waktu pagi. Menandakan proses penyeimbangan hati sedang berlaku.
iii) Keluar tahi mata
Fungsi hati lemah, pembuangan toksin sedang berlaku. Ini juga menunjukkan badan mengandungi asid berlebihan.
iv) Keluar air mata
Gangguan emosi yang bersangkut dengan hati atau bebanan kerja
v) Ketegangan mata dan kelopak
Tekanan perasaan kerana tidak puas hati atau bebanan yang berat.
2. HIDUNG
Hidung mempunyai hubungan rapat dengan paru-paru dan kerongkong.
i) Selesema
Proses pembuangan toksin di bahagian kerongkong. Badan mengandungi asid berlebihan (biasanya suhu badan meningkat).
ii) Hidung sumbat
Paru-paru mengandungi toksin yang berlebihan.Proses menyeimbangkan masalah alahan hidung.
iii) Bersin
a. Proses membuang toksin di bahagian kerongkong.
b. Proses menyeimbangkan masalah alahan hidung.
3. BATUK
a. Batuk keluar kahak
Proses membuang toksin di bahagian kerongkong.
b. Batuk tanpa kahak
Paru-paru mengandungi toksin yang berlebihan. Biasanya kahak pekat keluar selepas beberapa hari memakan RG..
c. Batuk dan berasa gatal di kerongkong
Proses membuang toksin di bahagian kerongkong dan paru-paru, biasanya berlaku pada orang yang banyak merokok atau terdedah kepada udara yang tercemar.
4. KERONGKONG
i) Kerongkong kering
Proses membuang toksin sedang berlakudi seluruh badan. Ini adalah tanda bahawa badan kita memerlukan banyak air untuk membuang toksin.
ii) Sakit kerongkong
Seperti di atas. Paras keracunan lebih serius.
5. BIBIR (Berkaitan dengan fungsi sistem penghadaman)
i) Bibir pucat
a.Sistem penghadaman yang lemah.
b. Perut mengandungi angin.
c. Kurang darah yang disebabkan oleh sistem penghadaman yang kurang sempurna dan mengakibatkan kekurangan zat besi. Sepatutnya diperkuatkan fungsi penghadaman dahulu dengan RG sebelum memakan zat besi.
ii) Bibir kering dan pecah
Perut mengandungi banyak bahan toksin.
6. MULUT DAN LIDAH
Berkaitan dengan fungsi jantung dan sistem pengedaran darah.
i) Lidah atau gusi bengkak, sakit
Menunjukkan jantung mempunyai masalah, seperti lemak yang berlebihan, injap menjadi lemah, saluran koronari tersumbat dan lain-lain lagi
ii) Lidah, tisu mulut atau gusi menjadi pecah-pecah (ulser).
Menandakan darah mengandungi asid berlebihan
iii) Mulut berbau busuk
Proses penyeimbangan fungsi perut untuk pembuangan toksin.
7. TELINGA
Berkaitan dengan buah pinggang.
i) Telinga terasa tersumbat
Buah pinggang mengandungi toksin berlebihan.
ii) Telinga berdengung
Sedang merawat buah pinggang yang lemah. Biasanya tapak kaki terasa sakit ketika bangun pagi dan sakit itu hilang setelah berjalan-jalan.
8. KULIT BERPELUH
a) Peluh masin
Badan mengandungi lebihan asid urik.
b) Peluh berbau
Badan menyingkirkan toksin melalui perpeluhan.
9. RUAM DAN BISUL
Badan menyingkirkan toksin yang berlemak dan toksin yang tidak larut dalam air.
10. KULIT GATAL DENGAN RUAM
Proses menyingkirkan toksin melalui kulit akibat terlalu banyak memakan ubat yang mengandungi bahan kimia.
11. KULIT PECAH DAN BERAIR
Proses pembuangan toksin yang larut dalam air. Sapukan serbuk Ganoderma pada kulit berkenaan.
12. RAMBUT GUGUR
Menandakan fungsi buah pinggang yang lemah. Selepas proses gugur, rambut akan tumbuh semula dengan lebih sihat dan subur.
13. SENDI-SENDI, TANGAN DAN KAKI
a. Sakit Sendi
i) Rasa panas.
Menunjukkan terdapat luka di bahagian sendi berkenaan dan tanda- tanda penyakit pirai (gout).
ii) Tidak rasa panas .
Tanda-tanda sakit lenguh (rheumatism).
iii) Sakit di bahagian bahu.
a)Menandakan saluran darah telah menjadi keras dan fungsi metabolisme tidak seimbang.
b) Kebas Tangan
Pengaliran darah di bahagian atas badan tidak lancar.
c) Kebas Tangan Kiri dan Lengan
Tanda-tanda lemah atau sakit jantung. Jika rasa kebas menjadi sakit di bahagian lengan dan kekal di sana , ini menandakan serangan sakit jantung mungkin berlaku.
d) Kebas Kaki
Pengaliran darah di bahagian bawah badan tidak lancar.
e) Sakit Tapak Kaki
Menandakan buah pinggang lemah. Biasanya disebabkan oleh kekurangan senaman dan duduk terlalu lama.
f) Sakit Tumit Kaki
Menunjukkan kelemahan fungsi alat kelamin.
g) Rasa Panas di Tapak Kaki
Penyeimbangan fungsi buah pinggang akibat lemah tenaga batin.
h) Gatal di Celah-Celah Jari Kaki
Menunjukkan tanda awal penyakit kaki busuk (Hong Kong Foot).
14. TANDA-TANDA DALAMAN
a. Kepala.
Secara amnya, segala tindak balas yang berlaku di bahagian kepala mempunyai kaitan dengan sistem pengaliran darah, jantung dan saraf otak.
b. Pening/Sakit di Bahagian Depan Kepala
Menandakan sakit tekanan jiwa (neurosis) akibat bebanan mental dan banyak berfikir.
c. Pening/Sakit di Bahagian Belakang Kepala
i) Bahagian atasMenunjukkan penyakit tekanan darah tinggi.
ii) Bahagian bawah (tengkuk).Menunjukkan penyakit tekanan darah tinggi atau tekanan darah.
d. Sakit Kepala dan Rasa Gas Keluar dari Telinga
Menandakan penyakit migrain.
e. Bisul Terjadi di Kepala
Tanda pembuangan toksin sedang berlaku. Kadang-kadang dikaitkan dengan penyakit migrain.
f. Rasa Pening yang Memusing
Tanda kurang darah atau pengaliran darah tidak lancar.
15. MULUT/KERONGKONG/ LIDAH
a. Loya/MuntahTanda penyakit lelah.
Pembuangan bahan toksik dari bahagian perut.
b. Muntah Darah
i) Darah merah
Pembuangan tisu yang sudah rosak di bahagian kerongkong dan
ii) Darah hitam
Pembuangan tisu yang sudah rosak di bahagian perut; misalnya penyakit ulser.
16. LIDAH RASA TEGANG DAN PENDEK
Tanda sakit jantung.
17. KELUAR AIR LIUR YANG PEKAT
Proses pembuangan toksin dari kerongkong akibat jangkitan kuman
18. KENCING
a) Kerap Kencing
Menunjukkan buah pinggang mengandungi kotoran yang teruk
b) Air Kencing Berkapur
Menunjukkan penyakit batu karang dalam buah pinggang.
c) Air Kencing Berminyak
Menunjukkan buah pinggang mengandungi kotoran berlemak.
d) Air Kencing Pekat Berwarna Coklat
Menandakan proses pembuangan toksin sedang berlaku.
e) Air Kencing Berdarah
Penyakit batu karang atau buah pinggang luka.
19. BUANG AIR BESAR
a) Cirit-birit/ Kerap Buang Air Besar
Membersihkan kotoran/keracunan dari usus besar. Cirit-birit dengan serta merta selepas memakan RG, menandakan penyakit barah di bahagian usus besar
b) Sembelit
Membersihkan toksin dari usus kecil.
c) Najis Berdarah
i) Darah merah
Masalah penyakit buasir atau barah di bahagian usus.
ii) Darah hitam
Masalah penyakit ulser perut.
d) Najis Berwarna Hitam
Menunjukkan proses pembuangan toksin di bahagian usus sedang berlaku.
20. BADAN
a) Rasa Sakit
Secara amnya, segala kesakitan badan adalah disebabkan saluran darah.
i) Sakit menyucuk
Proses menyeimbangkan urat saraf.
ii) Sakit sengal
Menandakan luka di dalam badan.
iii) Sakit menyentap
Proses menyeimbangkan urat saraf yang berkaitan dengan organ-organ badan.
iv) Sakit menegang
Proses melancarkan pengaliran darah.
b) Badan Terasa Berat/ Malas/ Lenguh.
Badan mengandungi asid yang berlebihan. Proses penyeimbangan
c) Badan Terasa Panas.Badan mengandungi asid yang berlebihan.
Ini menandakan badan memerlukan banyak air untuk menjalankan proses pembuangan toksin.
d) Badan Terasa Ringan
Menandakan badan segar dan proses awet muda sedang berlaku.
21. RASA TAKUT MENGEJUT
Lemah fungsi buah pinggang. Tenaga batin lemah.
22. CEPAT NAIK DARAH/MARAH
Fungsi hati lemah. Tekanan darah tinggi.
23. RASA BIMBANG DAN TAKUT
Sistem paru-paru yang lemah.
24. RASA SERONOK ATAU BIMBANG TANPA SEBAB
i) Sistem jantung yang lemah.
ii) Sistem saraf otak yang lemah.
iii) Masalah pengaliran darah.
25. SUKA BERFIKIR DAN BERKHAYAL
Sistem penghadaman yang lemah.
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