Tuesday, February 24, 2015
2015 Resolution
Year after year... we are still striving for the best and keep aiming higher from previous year. Thus, we need to embark to new thing and approach without worrying too much about failing. Only new way will lead to new dimension that enable us to achieve higher and higher... So, stand up to challenges in this coming years and be more daring in experiencing various calculated risks with right knowledge. Get up and try again if we fail at the 1st attempt and learn from the mistakes. Never let ourselves trapped in comfort zone since no improvement will be made along the way! So, start charting your financial goal seriously and execute with precise plan... and do pray for the blessing from Allah swt.... InshaAllah.
Sunday, August 31, 2014
Buasir
Kepada sesiapa yang menghadapi penyakit buasir yang kronik, anda boleh mencuba rawatan herba melalui pokok menjalar yang dikurniakan oleh Allah swt untuk menjadi asbab penyembuhan buasir. Ambil satu bahagian sepanjang 5cm dan tumbuk halus dalam lesung batu. Setelah itu, campurkan dengan 1 sudu madu lebah tualang dan terus ditelan tanpa dikunyah. Ini kerana kesan herba ini didalam mulut agak tidak menyenangkan. InsyaAllah, dengan 3x kali rawatan dalam sehari, selepas 24 jam.... buasir akan hilang! Allahuakhbar....
Pilgrimage 2014
As a muslim, everyone is working very hard towards fulfilling the last pillar of Islam. The spiritual journey is comprising all efforts and submission towards Allah swt. Only Him can permit and allow us to perform Hajj at Baitul Atiq. It is such a blessing after being selected for the sacred journey in 2014. Once selected, few options are available for us to gain useful knowledge towards understanding the journey and ritual such as:
1. Kursus Asas Haji - Jan14
2. Kursus Intensif Haji - Jul14
3. Kursus Perdana Haji - Aug14
Many textbooks and past experiences are documented in may printed format and available at major bookstores and libraries. The in-depth knowledge are crucial towards understanding Hajj pilgrimage so that we could appreciate all the rituals and the significance behind each activity. Allahuakhbar... Walihamdullillah.
1. Kursus Asas Haji - Jan14
2. Kursus Intensif Haji - Jul14
3. Kursus Perdana Haji - Aug14
Many textbooks and past experiences are documented in may printed format and available at major bookstores and libraries. The in-depth knowledge are crucial towards understanding Hajj pilgrimage so that we could appreciate all the rituals and the significance behind each activity. Allahuakhbar... Walihamdullillah.
Journey of 2014
As we're getting older, the journey is getting obvious towards realising our short & long term goals. As for me, few short term goals have been achieved with the permission of Allah swt. Eventhough the path is a bit bumpy and turbulence, it does not hinder the main objective and on the other hand, provide inspiration towards working even harder. Alhamdullilah, all praise to Allah swt, all efforts toward delivering the outcome has been completed by Q3 and now are ready for kick start by mid Q4 of this year.
It was very gloomed when the efforts are shared with colleagues and closed friends especially when all of us glorify the success together and congratulate each others. Subhanallah... all of these have been destined by Him.
So now... keep up the momentum and maintain the pace in order to complete the remaining tasks for this year. All the best... @kacm s7
It was very gloomed when the efforts are shared with colleagues and closed friends especially when all of us glorify the success together and congratulate each others. Subhanallah... all of these have been destined by Him.
So now... keep up the momentum and maintain the pace in order to complete the remaining tasks for this year. All the best... @kacm s7
Sunday, January 20, 2013
Multiple income stream
Financial freedom via debt-free approach
As our desire are burning on yearly basis especially after celebrating new year resolution, we must analyze our current income portfolio to ensure its sustainability to absorb any economics turbulence.
Income can come in many forms and it must be able to bring in consistent revenue on monthly basis provided we put our effort consistently. Thus, we should not be complacent on our current income source irregardless of active or passive formation. Never be a victim of any ponzi scheme to cut short our financial dream.
Since this is Jan 2013, kindly put tremendous effort to review our standing position in term of net worth and ensure we are at positive ratio not less that 100 points basis. Otherwise, kindly plan your action plan to bring back towards this position.
All our liabilities must be settle as early as possible according to the priority based on high interest such as:
1. Credit card default
2. Personal loan
3. Margin account
4. Easy payment scheme
5. Car loan
Those are our main target to be cleared from long term commitment or otherwise it will defer our financial goal.
Last but not least, we need to protect our interest from any mishap while working very hard to achieve our long term direction.
If you need help to achieve this, kindly drop me a message for assistance.
Happy new year & all the BEST!... Do what is RIGHT.
@kacM
As our desire are burning on yearly basis especially after celebrating new year resolution, we must analyze our current income portfolio to ensure its sustainability to absorb any economics turbulence.
Income can come in many forms and it must be able to bring in consistent revenue on monthly basis provided we put our effort consistently. Thus, we should not be complacent on our current income source irregardless of active or passive formation. Never be a victim of any ponzi scheme to cut short our financial dream.
Since this is Jan 2013, kindly put tremendous effort to review our standing position in term of net worth and ensure we are at positive ratio not less that 100 points basis. Otherwise, kindly plan your action plan to bring back towards this position.
All our liabilities must be settle as early as possible according to the priority based on high interest such as:
1. Credit card default
2. Personal loan
3. Margin account
4. Easy payment scheme
5. Car loan
Those are our main target to be cleared from long term commitment or otherwise it will defer our financial goal.
Last but not least, we need to protect our interest from any mishap while working very hard to achieve our long term direction.
If you need help to achieve this, kindly drop me a message for assistance.
Happy new year & all the BEST!... Do what is RIGHT.
@kacM
Sunday, December 30, 2012
Medical Card in our daily activity
Medical cost is alarming..!!!
If we're not working with government, cost of medical expenses are extremely high nowdays even treatment in general hospital operated by ministry of health.
For instance, relative cost to treat critical diseases as below:
1. Cancer - RM20k - RM80k (Chemotherapy, radiotherapy, fisiotherapy & alternative medicine)
2. Stroke - RM10k - RM50k
3. GBS (nerve related disease) - RM40k - RM50k
4. Heart operation - RM50k - RM80k
5. Eye - RM10k - RM30k
If we don't have sufficient fund in our saving, imagine the hardship to go thru this stage with financial difficulty...
Better prepare than do nothing coz today living is full of stress that could lead to various health problem.
Think about it & act accordingly... wiser being always plan & anticipate ahead of any crisis and seek for divine assistantship. Be happy!
If we're not working with government, cost of medical expenses are extremely high nowdays even treatment in general hospital operated by ministry of health.
For instance, relative cost to treat critical diseases as below:
1. Cancer - RM20k - RM80k (Chemotherapy, radiotherapy, fisiotherapy & alternative medicine)
2. Stroke - RM10k - RM50k
3. GBS (nerve related disease) - RM40k - RM50k
4. Heart operation - RM50k - RM80k
5. Eye - RM10k - RM30k
If we don't have sufficient fund in our saving, imagine the hardship to go thru this stage with financial difficulty...
Better prepare than do nothing coz today living is full of stress that could lead to various health problem.
Think about it & act accordingly... wiser being always plan & anticipate ahead of any crisis and seek for divine assistantship. Be happy!
Monday, December 17, 2012
Memperbaiki nilai Taqwa kepada Allah s.w.t
Salam...
Penulis ingin mengingatkan pada diri sendiri agar meningkatkan usaha kearah mempertingkatkan ketaqwaan terhadap Allah s.w.t mudah2an kita mendapat petunjuk & hidayah daripadaNya kearah yang lebih cemerlang dalam mengharungi kehidupan dialam yang fana & sementara ini...
Peringatan sebegini senantiasa diulangi dalam permulaan khutbah jumaat setiap minggu & berapa ramaikah daripada kita mengambil iktibar seperti yang disarankan oleh khatib...
Bukankah nilai ketaqwaan yang tinggi telah dijanjikan habuannya oleh Allah s.w.t seperti firman Nya didalam surah An-Nur ayat 52 yang bermaksud:
Dan barang siapa yang taat kepada Allah dan rasul-Nya dan takut kepada Allah dan bertakwa kepada-Nya, maka mereka adalah orang-orang yang mendapat kemenangan. (52)
Mengikut pendapat Al-Imam Al-Ghazali, seseorang yang ingin mempertingkatkan nilai taqwanya hendaklah
memperbaiki budi pekerti & akhlak terlebih dahulu melalui 4 perkara:
1. Hikmat atau kebijaksanaan
2. Keberanian
3. Berlapang dada
4.Keadilan
Rasulullulah s.a.w juga telah bersabda yang bermaksud: "...perbaikilah akhlakmu"
Oleh itu, marilah kita memperbaiki ketaqwaan kita terhadap Allah s.w.t untuk mendapat kemenangan
didunia & diakhirat kelak.... InsyaAllah
Wassalam
Penulis ingin mengingatkan pada diri sendiri agar meningkatkan usaha kearah mempertingkatkan ketaqwaan terhadap Allah s.w.t mudah2an kita mendapat petunjuk & hidayah daripadaNya kearah yang lebih cemerlang dalam mengharungi kehidupan dialam yang fana & sementara ini...
Peringatan sebegini senantiasa diulangi dalam permulaan khutbah jumaat setiap minggu & berapa ramaikah daripada kita mengambil iktibar seperti yang disarankan oleh khatib...
Bukankah nilai ketaqwaan yang tinggi telah dijanjikan habuannya oleh Allah s.w.t seperti firman Nya didalam surah An-Nur ayat 52 yang bermaksud:
Dan barang siapa yang taat kepada Allah dan rasul-Nya dan takut kepada Allah dan bertakwa kepada-Nya, maka mereka adalah orang-orang yang mendapat kemenangan. (52)
Mengikut pendapat Al-Imam Al-Ghazali, seseorang yang ingin mempertingkatkan nilai taqwanya hendaklah
memperbaiki budi pekerti & akhlak terlebih dahulu melalui 4 perkara:
1. Hikmat atau kebijaksanaan
2. Keberanian
3. Berlapang dada
4.Keadilan
Rasulullulah s.a.w juga telah bersabda yang bermaksud: "...perbaikilah akhlakmu"
Oleh itu, marilah kita memperbaiki ketaqwaan kita terhadap Allah s.w.t untuk mendapat kemenangan
didunia & diakhirat kelak.... InsyaAllah
Wassalam
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