Saturday, August 8, 2009

PUNCA HATI TIDAK BAHAGIA.


9 SEBAB-SEBAB HATI TIDAK BAHAGIA

Antara mazmummah utama yang menghilangkan bahagia di hati ialah :

1. Pemarah paling mudah dikesan atau dilihat dan paling banyak di dalam diri manusia. Orang seperti ini jarang mendapat kawan dan hati tentunya tidak tenang.

2. Pendendam tersembunyi iaitu ibarat mengumpul lahar di dalam dada. Orang seperti ini sentiasa mencari-cari peluang untuk membalas dendam hatta secara yang kecil-kecil sekalipun seperti sakitkan hati atau tempelak orang yang didendami itu. Sebab itu orang pendendam mudah kena sakit jantung.

3. Hasad dengki- amalannya hangus akibat hasad dengkinya itu kerana ia memiliki sifat ketuhanan.

4. Bakhil - sentiasa merasakan orang lain menginginkan harta, kesenangan, pangkat dll. dari dirinya. Contohnya sentiasa berdalih mengatakan ia tiada duit. (rezeki yang diberi oleh Allah elok dikongsi bersama-derma) Allah lebih sayang orang yang fasiq tetapi pemurah tetapi benci orang yang abid tetapi bakhil. Kerana walaupun fasiq, pemurahnya itu tetap memberi manfaat pada orang lain kerana kadangkala rezeki itu Allah beri melalui maknusia

5. Tamak orang yang tidak puas dengan yang sedikit nescaya tidak akan puas dengan yang banyak kerana dunia ini ibarat meminum air laut....walau berapa banyak yg diminum tetap tak abis jugak...lagipun org tamak selalu rugi.. ** Ingat ! yang dikatakan harta atau rezeki kita bila ia dipakai atau digunakan oleh kita. Selagi tidak diguna iaitu disimpan, itu belum boleh dikatakan rezeki kita. (mungkin ada hak orang lain di situ) Biarlah rezeki itu sedikit tetapi mendapat keberkatan iaitu dapat dimanfaatkan.

6. Tidak sabar andainya perkara yang kecil pun tidak boleh bersabar apatah lagi hal-hal yang lebih besar. (oleh itu banyak2kanlah bersabar bila hadapi dugaan..cthnyer time keja banyak..tetap maintain vogue walau keja bertimbun atas meja..heh..heh..)

7. Ego - ibu segala mazmummah jadi ia membuatkan seseorang paling tidak tenang. Orang yang memiliki sifat ini pantang tercabar dari sudut zahir mahupun batin.

8. Riak terseksa sendiri kerana sentiasa tercari-cari peluang untuk dipuji. Sentiasa berlakun-lakun di depan orang. Jika ia dipuji, ia akan menambah amalnya tetapi jika dikeji, ia akan mengurangkan amalnya. -Allah marah kalau kita riak..takabbur dgn aper yg kita ada..

9. Cinta dunia - tidak dapat menderita, ....dapat pun menderita kerana bila sudah dapat susah pula menjaganya. Berhartalah tidak mengapa tetapi kawal hati jangan diletakkan pada harta itu. biler mati cuma bawa amalan dan doa anak yg soleh/solehah... Cinta dunia merupakan "neraka dunia" kerana dunia itu "panas" akibat ia merupakan barang buruan dan rebutan. Jadi letakkanlah akhirat itu di hati dan dunia itu di tangan supaya dunia itu senang dibahagi-bahagi dan akhirat dibawa mati.

Kesimpulan

Jadi yang meragut kebahagiaan sebenarnya bukanlah secara TOTALnya disebabkan kemiskinan, musibah, kesibukan dllnya. tetapi ialah MAZMUMMAH. Makin tinggi mazmummah seseorang, makin ia tidak BAHAGIA. Samada bermujahadah atau biarkan saja mazmummah itu, kedua-duanya tetap menderita tetapi andainya bermujahadah kita akan dibantu Allah dan akan bahagia jua akhirnya.

So..sama-samalah kite sentiasa ingat mengingati antara satu sama lain...andai kita terleka dengan dunia buruklah padahnya.

Wallahualam"

Friday, August 7, 2009

COST SAVINGS


RAISING COST




Pricetag to raise a child -- $291,570, says U.S.
Reuters: Tue Aug 4, 2009 8:46pm EDT

WASHINGTON (Reuters) - A middle-income family can expect to spend $291,570 including inflation to raise a child born in 2008 to adulthood, the government estimated on Tuesday, up slightly from the estimate made a year ago.

The estimate covers food, shelter and other necessities for a child to age 18, said the annual report by the Agriculture Department. The figure does not include the cost of childbirth or college.

Housing accounts for one-third of expenditures on children. Food accounts for 16 percent, the same as child care and education, said the Expenditures on Children by Families report.
Last year, the USDA estimated it would cost $269,040 to raise a child born in 2007 to age 18, including inflation. The USDA has made the estimates since 1960, when the estimated cost was $25,300. The department said it planned to have an updated "Cost of Raising a Child Calculator" on the Internet soon.

Annual spending for child-rearing ranges from $11,610 to $13,480 for a middle-income, two-parent family, the USDA said. Families with lower incomes will spend less and families with higher incomes spend more. Expenses are highest in cities in the U.S. Northeast, followed by urban areas of the West and Midwest. They are lowest in rural America and cities in the South.

(Reporting by Charles Abbott; editing by Todd Eastham)


NOTE: USD1 = RM3.6500



Wednesday, August 5, 2009

AKPK Free Services

Regain control of your life and your debts.

Through the Debt Management Programme (DMP), our counsellors will work with you to develop a personalised debt repayment plan in consultation with your financial service providers*.

AKPK does not provide loans or financing. Our DMP is available to all individuals who need assistance in managing their personal debts with financial service providers* regulated by Bank Negara Malaysia, provided that:

You have a positive source of income after meeting your expenses
Your total debt does not exceed RM2million
You are not under advanced litigation process
You are not a bankrupt
Dont’ wait. Do it now. Talk to us.
Call AKPK's toll free hotline: 1-800-88-2575 or any
AKPK’s office nearest to you for an appointment.


*Financial services providers comprise of:
All commercial banks
All Islamic banks
All insurance companies
All takaful operators
Development financial institutions (regulated by Bank Negara Malaysia)
Credit/charge card issuer (regulated by Bank Negara Malaysia)


NOTE: DON'T WAIT TILL TOO LATE..

Sunday, July 26, 2009

Discount 5%

Effective 1/7/2009, customer who's renewing their vehicle insurance direct with Insurance Company would enjoying an additional discount of 5% instantly. And shall get a discount of 10% by next year.

This news confirmed by PIAM despite grouses from 40,000 of general insurance agent nationwide. So better grabbed it in this time of economy downturn.

Friday, April 17, 2009

Biz in Full Swing


Save Money. Save Money. Save Money.... But how ?


Come to our representative in Bdr Puteri Jaya Sg Petani Kedah, so that you will understand. We help you to reduce your car insurance or takaful cost and not feel cheated by finance company.


Dont waste time.. Come or call us now...

Saturday, March 7, 2009

Almost Completed




Almost completed when carpet was fitted by today. As my office desks already move in yesterday and just settle in few hours ago, awaiting the carpet guy finished their job, I am wondering what next thing to be brought in since I don't want my office room to be packed with all the 'things'. I just want a simple environment and nice settings, with a resting sofa cum bed, a 20" tv set and a computer for internet surfings...

Hopefully by Monday, I could do other things after 3 weeks continously supervising every details of this renovation works, make me mentally exhausted and need a bit of rest.

Just at midday, we got our first visitor Shahidan and his wife Amy, pay a visit and asks few thing s regarding the foreign TKI maid. They are expecting their first born twins on July and I am expecting two new prospects... muaa haa haaa.. Thanks for a visit.