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
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