Dengar je tajuk hari ni macam besh je.....Cuti-Cuti Malaysia, dah terbayang dah tempat2 menarik untuk dilawati. Tapi alkisahnya kat sini....mari bercuti ke Terengganu, tapi bukan aku....hubby aku ngan anak2 perempuan sahaja.
Alkisahnya si kakak dok sibuk2 nak balik umah ayah ngah since raya hari tu....tapi disebabkan tiada kelapangan oleh mak paknya kitaorang tak dptlah balik beraya hari tu. Dah dekat setengah abad rasanya aku tak balik ganu...lepas buat kenduri arwah 40 hari hari tu aku sampai la ni tak jengok2 lagi kampung kelahiran aku tu.....rinduuuuu ssssesssanggattt la....
Bukan apa sekarang bukan boleh suka suki nak cuti......cuti sikit dah unpaid sikit, kalau cuti banyak, lagiiii la unpaid banyak, cukup bulan habuk pun tarak.
Semalam aku tinggal je bertiga kat rumah dgn boyfren aku sikecik uzzair, kesian pulak aku tengok dia terkial-kial mencari kakak2nya. aku tanya dia....ujir papa mana? papa eje, then kakak mana? atak eje....macam bagus je kakak pun pegi keje.....aku tengok dia ok je main sorang dok tolak bakul kain tu sekejap kat depan sekejap kat dapur....ok je takde kakak2 yg kacau dia, tapi sunyi pulak bila kakak2 tak ada.....mana nak dengar suara dowang dok bergaduh pastu bergilir-gilir melalak. Kesian pulak aku tengok ujir tu main sorang then bercakap sorang2. Itula bila dia orang ada aku pulak jadi Jane of the Jungle......uwaaa, bila anak2 tak ada kat umah, rasanya macam pelik pulak hidup aku ni.........
Wassalam.
Wednesday, December 1, 2010
Sunday, November 7, 2010
Syaza pulak kena Chicken Pox
Last Friday Morning 29 Oct 2010), cikgu kat nursery anak aku call cakap Syaza macam kena chicken pox, then badan pun macam panas2 sket. Alamak cuti kena emergency leave lagi aku, tapi nak buat camner...demi anak2 walau 1 tahun pun emergency leave pun tetap mama buat jugak, walaupun terpaksa berenti keje.......uwaa.
Kalau nak tahu detail, baca lak kat bawah tu....
Chickenpox usually isn't serious in healthy children. But it can cause problems for pregnant women, newborns, teens and adults, and people who have immune system problems that make it hard for the body to fight infection.
After you have had chickenpox, you are not likely to get it again. But the virus stays in your body long after you get over the illness. If the virus becomes active again, it can cause a painful viral infection called shingles.
A person who has chickenpox can spread the virus even before he or she has any symptoms. Chickenpox is most easily spread from 2 to 3 days before the rash appears until all the blisters have crusted over.
You are at risk for chickenpox if you have never had the illness and have not had the chickenpox vaccine. If someone you live with gets chickenpox, your risk is even higher because of the close contact.
usually appears about 1 or 2 days after the first symptoms start. Some children get the chickenpox rash without having a fever or other early symptoms.
It usually takes 14 to 16 days to get the symptoms of chickenpox after you have been around someone with the virus. This is called the incubation period.
After a chickenpox red spot appears, it usually takes about 1 or 2 days for the spot to go through all its stages. This includes blistering, bursting, drying, and crusting over. New red spots will appear every day for up to 5 to 7 days.
You or your child can go back to work, school, or day care when all blisters have crusted over. This is usually about 10 days after the first symptoms start.
Other illnesses can have symptoms like those of chickenpox. For this reason, you may think you have had chickenpox twice when instead you have had two different infections.
Teenagers, adults, pregnant women, and people with health problems need to see a doctor for chickenpox. This is especially important for pregnant women, since chickenpox during early pregnancy can cause birth defects. Call first to make an appointment and to discuss whether you need to take any steps to avoid spreading the virus when you arrive. For example, office staff may take you straight to an exam room, rather than have you wait in the lobby.
People with long-term diseases or other health problems may need more treatment for chickenpox. They may need immunoglobulin treatment (IG) or antiviral medicine. Your doctor can give you these soon after you are exposed to the virus to help you feel better sooner.
Most children do not have a reaction from the vaccine. But if your child has a serious or long-term illness, talk to your doctor about whether your child should have the vaccine. These children may have a bad reaction from the vaccine.
If you have been around a person who has the virus and you have not had chickenpox or the vaccine, you still may be able to prevent the illness. Get a shot of chickenpox antibodies or the vaccine right away.
In rare cases, people who have had the vaccine still get chickenpox. And a few people who have already had chickenpox get it again. If this happens, a milder form of the illness usually occurs, with fewer blisters and symptoms. This is called a breakthrough infection.
Do not expose your child to chickenpox on purpose. Some parents expose their children to chickenpox because they think it is safer for children to have the illness when they are young. But this isn't a good idea, because even young children can have serious problems from chickenpox.
Kalau nak tahu detail, baca lak kat bawah tu....
Chickenpox (Varicella)
Topic Overview
What is chickenpox?
Chickenpox is a common illness that causes an itchy rash and red spots or blisters (pox) all over the body. It is most common in children, but most people will get chickenpox at some point in their lives if they have not had the chickenpox vaccine.Chickenpox usually isn't serious in healthy children. But it can cause problems for pregnant women, newborns, teens and adults, and people who have immune system problems that make it hard for the body to fight infection.
After you have had chickenpox, you are not likely to get it again. But the virus stays in your body long after you get over the illness. If the virus becomes active again, it can cause a painful viral infection called shingles.
What causes chickenpox, and how is it spread?
Chickenpox is caused by the varicella-zoster virus. It can spread easily. You can get it from an infected person who sneezes, coughs, or shares food or drinks. You can also get it if you touch the fluid from a chickenpox blister.A person who has chickenpox can spread the virus even before he or she has any symptoms. Chickenpox is most easily spread from 2 to 3 days before the rash appears until all the blisters have crusted over.
You are at risk for chickenpox if you have never had the illness and have not had the chickenpox vaccine. If someone you live with gets chickenpox, your risk is even higher because of the close contact.
What are the symptoms?
The first symptoms of chickenpox often are a fever, a headache, and a sore throat. You or your child may feel sick, tired, and not very hungry. The chickenpox rash usually appears about 1 or 2 days after the first symptoms start. Some children get the chickenpox rash without having a fever or other early symptoms.It usually takes 14 to 16 days to get the symptoms of chickenpox after you have been around someone with the virus. This is called the incubation period.
After a chickenpox red spot appears, it usually takes about 1 or 2 days for the spot to go through all its stages. This includes blistering, bursting, drying, and crusting over. New red spots will appear every day for up to 5 to 7 days.
You or your child can go back to work, school, or day care when all blisters have crusted over. This is usually about 10 days after the first symptoms start.
Other illnesses can have symptoms like those of chickenpox. For this reason, you may think you have had chickenpox twice when instead you have had two different infections.
How is chickenpox diagnosed?
Your doctor will ask you about your symptoms and will examine you. This usually gives your doctor enough information to find out if you have chickenpox.Healthy children with chickenpox symptoms may not need to visit a doctor. You may be able to describe your child’s symptoms to the doctor over the phone. Then your child won't have to leave the house and risk spreading the virus to others. But it is important to check with your doctor to find out if he or she wants to see your child.
How is it treated?
Most healthy children and adults need only home treatment for chickenpox. Home treatment includes resting and taking medicines to reduce fever and itching. You also can soak in oatmeal baths to help with itching.People with long-term diseases or other health problems may need more treatment for chickenpox. They may need immunoglobulin treatment (IG) or antiviral medicine. Your doctor can give you these soon after you are exposed to the virus to help you feel better sooner.
How can you prevent chickenpox?
You can prevent chickenpox by getting the chickenpox (varicella) vaccine. Doctors recommend two doses of this shot for healthy children 12 months of age and older who have not had chickenpox. Older children and adults who have not had chickenpox and have not yet had the vaccine also need two doses.Most children do not have a reaction from the vaccine. But if your child has a serious or long-term illness, talk to your doctor about whether your child should have the vaccine. These children may have a bad reaction from the vaccine.
If you have been around a person who has the virus and you have not had chickenpox or the vaccine, you still may be able to prevent the illness. Get a shot of chickenpox antibodies or the vaccine right away.
In rare cases, people who have had the vaccine still get chickenpox. And a few people who have already had chickenpox get it again. If this happens, a milder form of the illness usually occurs, with fewer blisters and symptoms. This is called a breakthrough infection.
Do not expose your child to chickenpox on purpose. Some parents expose their children to chickenpox because they think it is safer for children to have the illness when they are young. But this isn't a good idea, because even young children can have serious problems from chickenpox.
Monday, August 9, 2010
All About Insurans
Insurance: Top 10 Frequently Asked Questions
1) What is life insurance?
2) How does life insurance affect me?
3) How do I choose the right life insurance policy to meet my needs?
4) What types of life insurance policies are available? What are they used for?
5) What is an investment-linked policy? How does it differ from others?
6) If I have a life insurance policy, who will get the money when something happens
to me? What do they have to do to claim the benefits?
7) What are the important aspects of financial planning?
8) I am having financial difficulties right now; should I surrender my policy?
9) How can life insurance help me with my mortgage(s)?
10)What is an assignment? Can a life policy be assigned? If so, how should I do it?
1. What is life insurance?
Life insurance is concerned with events that could happen during a person's life and the probability of such an event actually taking place. The policyholder pays premiums regularly and this ensures payment of an agreed amount if the specified event - such as death or an accident resulting in death or disability - occurs. Premiums collected from all the policyholders are pooled together to form the life insurance fund. This fund is nurtured with the intention of being paid out as and when required to the dependents of those who have contributed to it. Life insurance normally combines protection with a regular savings programme.
While life insurance cannot prevent any of these events from happening, it can provide for protection against financial loss as a result of these events.
2. How does life insurance affect me?
Life insurance is used for two broad purposes:
To provide financial security - provides you and your family with financial protection when unexpected events and hardship, such as disability, critical illness or the loss of a loved one, occur. Once you own a life insurance policy, you and your loved ones are immediately secured against such risks.
As a medium to long term savings and investment vehicle - life insurance helps your savings and investment grow so that you can plan for the good things in life, such as a comfortable retirement, a good education for your children, or that dream car, house or holiday.
3. How do I choose the right life insurance policy to meet my needs?
There are numerous life insurance policies available. Here are some basic guidelines that can help you with your decision.
The right policy
While there is no universally correct policy, the right policy can be described as one that will provide you with adequate financial protection and is affordable.
Knowing your needs
Life insurance should be bought based on meeting your insurance needs. Few people can afford to buy all the insurance they desire immediately. It is therefore necessary to decide which insurance needs are of higher priority. Here are some of the common reasons for buying life insurance.
To provide income continuity in the event of death or disability
Even in a family with more than one income, the family will suffer a financial setback if one of the income earners dies. In the case of a family with only one breadwinner, the hardship will be severe.
Similarly, if a person becomes totally and permanently disabled, he or she will not be able to continue working. In addition to loss of income, there will be a financial drain caused by the need to accommodate the condition. The family needs to be protected against such misfortune.
Life insurance provides financial protection for your dependents. It gives them cash to tide them over difficult times. When buying life insurance for this purpose, you should look at the financial commitments of your family.
To provide income for the policyholder if he/she becomes critically ill
2) How does life insurance affect me?
3) How do I choose the right life insurance policy to meet my needs?
4) What types of life insurance policies are available? What are they used for?
5) What is an investment-linked policy? How does it differ from others?
6) If I have a life insurance policy, who will get the money when something happens
to me? What do they have to do to claim the benefits?
7) What are the important aspects of financial planning?
8) I am having financial difficulties right now; should I surrender my policy?
9) How can life insurance help me with my mortgage(s)?
10)What is an assignment? Can a life policy be assigned? If so, how should I do it?
1. What is life insurance?
Life insurance is concerned with events that could happen during a person's life and the probability of such an event actually taking place. The policyholder pays premiums regularly and this ensures payment of an agreed amount if the specified event - such as death or an accident resulting in death or disability - occurs. Premiums collected from all the policyholders are pooled together to form the life insurance fund. This fund is nurtured with the intention of being paid out as and when required to the dependents of those who have contributed to it. Life insurance normally combines protection with a regular savings programme.
While life insurance cannot prevent any of these events from happening, it can provide for protection against financial loss as a result of these events.
2. How does life insurance affect me?
Life insurance is used for two broad purposes:
To provide financial security - provides you and your family with financial protection when unexpected events and hardship, such as disability, critical illness or the loss of a loved one, occur. Once you own a life insurance policy, you and your loved ones are immediately secured against such risks.
As a medium to long term savings and investment vehicle - life insurance helps your savings and investment grow so that you can plan for the good things in life, such as a comfortable retirement, a good education for your children, or that dream car, house or holiday.
3. How do I choose the right life insurance policy to meet my needs?
There are numerous life insurance policies available. Here are some basic guidelines that can help you with your decision.
The right policy
While there is no universally correct policy, the right policy can be described as one that will provide you with adequate financial protection and is affordable.
Knowing your needs
Life insurance should be bought based on meeting your insurance needs. Few people can afford to buy all the insurance they desire immediately. It is therefore necessary to decide which insurance needs are of higher priority. Here are some of the common reasons for buying life insurance.
To provide income continuity in the event of death or disability
Even in a family with more than one income, the family will suffer a financial setback if one of the income earners dies. In the case of a family with only one breadwinner, the hardship will be severe.
Similarly, if a person becomes totally and permanently disabled, he or she will not be able to continue working. In addition to loss of income, there will be a financial drain caused by the need to accommodate the condition. The family needs to be protected against such misfortune.
Life insurance provides financial protection for your dependents. It gives them cash to tide them over difficult times. When buying life insurance for this purpose, you should look at the financial commitments of your family.
To provide income for the policyholder if he/she becomes critically ill
Should you be diagnosed with a critical illness, such as cancer, kidney failure or stroke, medical expenses will add up to a hefty amount.
Insurance can help with such expenses as a lump sum of cash will be paid to you once you are diagnosed with a critical illness. This money can help you with medical bills and other expenses arising from the critical illness.
To provide savings or investments
Life insurance is not just about sickness and death, it is also a good savings and investment tool.
You may be saving for a car or a condominium. You may want to go on a holiday or for further studies. Life insurance provides you with stable returns and helps you realise your dreams. It is also a good investment vehicle that can help you build a retirement nest egg.
To provide for your children's education
Education, especially tertiary education, has become increasingly expensive. Life insurance is one way to ensure that there are sufficient funds for your children's education. AIA education account, for example, efficiently facilitates this need.
Affordability
Life insurance should be bought based on your financial needs. Few individuals can afford to buy all the insurance they desire immediately, so it is vital to decide which insurance needs are the most important. Generally, higher premiums will bring you more benefits. Thus, it is important to find the right balance between the amount paid and the amount insured for. You should buy policies which satisfactorily meet your insurance needs and which you can afford.
4. What types of life insurance policies are available? What are they used for?
Life insurance policies can be divided into those with profits and those that are non-participating. With profits plans allow the policyholders to share in the profits made by the life insurer. A non-participating plan does not and is therefore relatively cheaper. Most life insurance plans are participating, with the exception of term plans and supplementary benefits or riders.
The main types of life insurance plans are:
Whole Life
provides lifetime protection for the life assured. A fixed sum of money - the sum assured - will be payable upon the death of the life assured. Correspondingly, premiums are payable as long as coverage is provided. If the policy is surrendered before that, the policyholder is entitled to the cash value.
Endowment
provides protection for the term of the policy. This type of policy can be taken up for a specific period of time, for example 10, 15 or 20 years, or up to a certain age, for example 55, 60 or 65. A fixed sum of money - the sum assured - will be payable upon the death of the life assured. Should the policyholder survive the policy term, he or she will receive the sum assured as a lump sum payment. Premiums are paid throughout the policy term. A slight variation of an Endowment plan, and one which offers earlier partial maturity payment in installments during the term of the policy, is the Anticipated Endowment plan.
Term
provides protection throughout the policy term. The sum assured is only payable if the life assured dies during the policy term. This plan is affordable for someone who needs protection but may not have the budget. Term plans are usually convertible, that is, policyholders have the option to convert them into whole life or endowment plans without having to provide evidence of health.
Supplementary Benefits or Riders
provide additional benefits that are not usually included in the main plans mentioned above. These include benefits for hospitalisation, medical expenses, advance payment due to critical illnesses, temporary and permanent disability, death or disablement due to accidents and income protection, to name just a few.
5. What is an investment-linked policy? How does it differ from others?
An investment-linked policy (ILP) gives you investment returns on your savings and provides insurance coverage at the same time.
There are two main types of ILPs: regular premium and single premium.
Regular Premium ILP
Like the traditional life policy, the regular premium ILP provides financial protection against premature death and acts as a tool of investment. However, the degree of flexibility marks the difference between them. Below is a summary of the differences.
Protection/Investment Mix
Traditional Policy - the proportion of protection and investment is pre-determined. You can change the mix by surrendering part of the policy or by purchasing additional policies to increase the protection.
ILP - you can increase or decrease the protection or investment element in the policy to suit your financial needs.
Premiums
Traditional Policy - you have to pay the same premium amount throughout the term of the policy.
ILP - you can decide to increase or decrease the premium amount to suit your budget, subject to certain limitations.
Investment Choice
Traditional Policy - premiums are invested at the insurance company's discretion, subject to guidelines set by Bank Negara Malaysia.
ILP - you can choose from the various investment funds offered by the life insurer, based on your own risk/reward profile and investment time horizon. You can also switch from one fund to another when the investment climate or your own risk-profile changes.
Risk
As with all investments, there is a risk factor to consider. You will experience the ups and downs that naturally occur in the investment market. These ups and downs are reflected directly in the value of the funds, thus making the returns under an ILP more volatile. However, in the medium to long term, ILPs are likely to give higher returns than traditional policies due to the greater exposure to equity investment.
In contrast, traditional policies carry minimum cash values prescribed by law and provide more stable returns. Which type of policy to buy depends on your risk/reward profile.
Single Premium ILP
A single premium ILP is similar to a unit trust except for the additional life insurance cover provided. Should you decide to surrender the policy, the cash value is based on the prevailing value of the fund. Should you die, you will receive, for example, the sum assured or the value of units, whichever is higher. The death benefit is a salient feature of a life insurance policy and is not available to those who invest solely in unit trusts.
6. If I have a life insurance policy, who will get the money when something happens to me? What do they have to do to claim the benefits?
If death occurs, we pay to:
the estate if there is no will
the executor if there is a will
the trustees if there is a nomination/trust, or
the assignee if we have been notified of an assignment
A non-Muslim policyowner may nominate a natural person(s) (i.e nominee(s)) to receive policy moneys payable upon his death under his policy at any time by completion of a nomination form. Where a nominee is spouse, child or parent (where there is no spouse or child living at the time of nomination), a trust shall be created automatically.
If the policyowner is a Muslim, the nominee shall act as an executor. He shall distribute the policy moneys in accordance with Islamic Law.
If there is a living benefit claim, such as disability or critical illness, we will pay upon total and permanent disability or diagnosis of a critical illness.
The person claiming the policy money will have to notify the life insurance company and provide documentary evidence to substantiate their claim.
7. What are the important aspects of financial planning?
There are four aspects of financial planning:
Insurance planning - you use insurance plans to meet the financial security needs of yourself and your family, should any mishap happen to you and/or your loved ones.
Investment planning - you have your money work for you and reap the returns according to your risk profile.
Retirement planning - you ensure that you are able to continue with a comfortable lifestyle and do the things you want to do after retirement.
Tax planning - you ensure that appropriate taxes are being paid without having to make large sacrifices.
8. I am having financial difficulties right now; should I surrender my policy?
There may be times when you might meet with financial difficulty and consider surrendering your policy. You should, however, evaluate the various options available before surrendering.
When you surrender your policy, the amount of money you receive (known as the surrender value) may be more or less than the total premiums you have paid. This will depend on the age at which you bought the policy and the terms of the policy.
Remember that an insurance policy is a medium- to long-term investment. You are likely to lose some of your premiums if you surrender your policy after a short period, while you stand to gain attractive monetary rewards if you can continue your investment over the medium to long term.
More importantly, you must also consider the insurance coverage that you will lose at a time when it is needed most. When your financial resources are low, every income source is crucial to your family. If you surrender your policy now, your family will have to make ends meet without either your income source or any insurance proceeds should something unfortunate happen.
Generally, you have 2 options.
If you have difficulty paying your premiums, you may want to consider going on a 'premium holiday' instead. Once your policy has acquired a cash value, you can go on a 'premium holiday' during which you do not pay premiums but still receive insurance coverage. This is possible as long as your policy has cash value that can be used to pay your premiums. Only when the cash value is depleted, will your policy lapse.
Alternatively, you can convert it to a 'paid-up' policy where you stop paying premiums but maintain the validity of your policy with the reduced sum assured.
It is important to think it over carefully before making the decision to surrender your policy. You may want to take up one of the two options above rather than LOSE your investment and financial security for your family.
9. How can life insurance help me with my mortgage(s)?
Most people would have taken up a mortgage loan when they purchased a new home. It is important to take up mortgage insurance so that your family can still continue to live in the home that you have provided for them, even when you are no longer around. The sum assured of the mortgage insurance will pay for the mortgage loan.
10. What is an assignment? Can a life policy be assigned? If so, how should I do it?
An assignment means to transfer the rights of personal property to another person. A life insurance policy can be assigned as it is regarded as a form of personal property.
The assignment can be done via a Deed of Assignment signed by the assignor (policyowner) and the assignee (the party receiving the rights of the policy).
Insurance can help with such expenses as a lump sum of cash will be paid to you once you are diagnosed with a critical illness. This money can help you with medical bills and other expenses arising from the critical illness.
To provide savings or investments
Life insurance is not just about sickness and death, it is also a good savings and investment tool.
You may be saving for a car or a condominium. You may want to go on a holiday or for further studies. Life insurance provides you with stable returns and helps you realise your dreams. It is also a good investment vehicle that can help you build a retirement nest egg.
To provide for your children's education
Education, especially tertiary education, has become increasingly expensive. Life insurance is one way to ensure that there are sufficient funds for your children's education. AIA education account, for example, efficiently facilitates this need.
Affordability
Life insurance should be bought based on your financial needs. Few individuals can afford to buy all the insurance they desire immediately, so it is vital to decide which insurance needs are the most important. Generally, higher premiums will bring you more benefits. Thus, it is important to find the right balance between the amount paid and the amount insured for. You should buy policies which satisfactorily meet your insurance needs and which you can afford.
4. What types of life insurance policies are available? What are they used for?
Life insurance policies can be divided into those with profits and those that are non-participating. With profits plans allow the policyholders to share in the profits made by the life insurer. A non-participating plan does not and is therefore relatively cheaper. Most life insurance plans are participating, with the exception of term plans and supplementary benefits or riders.
The main types of life insurance plans are:
Whole Life
provides lifetime protection for the life assured. A fixed sum of money - the sum assured - will be payable upon the death of the life assured. Correspondingly, premiums are payable as long as coverage is provided. If the policy is surrendered before that, the policyholder is entitled to the cash value.
Endowment
provides protection for the term of the policy. This type of policy can be taken up for a specific period of time, for example 10, 15 or 20 years, or up to a certain age, for example 55, 60 or 65. A fixed sum of money - the sum assured - will be payable upon the death of the life assured. Should the policyholder survive the policy term, he or she will receive the sum assured as a lump sum payment. Premiums are paid throughout the policy term. A slight variation of an Endowment plan, and one which offers earlier partial maturity payment in installments during the term of the policy, is the Anticipated Endowment plan.
Term
provides protection throughout the policy term. The sum assured is only payable if the life assured dies during the policy term. This plan is affordable for someone who needs protection but may not have the budget. Term plans are usually convertible, that is, policyholders have the option to convert them into whole life or endowment plans without having to provide evidence of health.
Supplementary Benefits or Riders
provide additional benefits that are not usually included in the main plans mentioned above. These include benefits for hospitalisation, medical expenses, advance payment due to critical illnesses, temporary and permanent disability, death or disablement due to accidents and income protection, to name just a few.
5. What is an investment-linked policy? How does it differ from others?
An investment-linked policy (ILP) gives you investment returns on your savings and provides insurance coverage at the same time.
There are two main types of ILPs: regular premium and single premium.
Regular Premium ILP
Like the traditional life policy, the regular premium ILP provides financial protection against premature death and acts as a tool of investment. However, the degree of flexibility marks the difference between them. Below is a summary of the differences.
Protection/Investment Mix
Traditional Policy - the proportion of protection and investment is pre-determined. You can change the mix by surrendering part of the policy or by purchasing additional policies to increase the protection.
ILP - you can increase or decrease the protection or investment element in the policy to suit your financial needs.
Premiums
Traditional Policy - you have to pay the same premium amount throughout the term of the policy.
ILP - you can decide to increase or decrease the premium amount to suit your budget, subject to certain limitations.
Investment Choice
Traditional Policy - premiums are invested at the insurance company's discretion, subject to guidelines set by Bank Negara Malaysia.
ILP - you can choose from the various investment funds offered by the life insurer, based on your own risk/reward profile and investment time horizon. You can also switch from one fund to another when the investment climate or your own risk-profile changes.
Risk
As with all investments, there is a risk factor to consider. You will experience the ups and downs that naturally occur in the investment market. These ups and downs are reflected directly in the value of the funds, thus making the returns under an ILP more volatile. However, in the medium to long term, ILPs are likely to give higher returns than traditional policies due to the greater exposure to equity investment.
In contrast, traditional policies carry minimum cash values prescribed by law and provide more stable returns. Which type of policy to buy depends on your risk/reward profile.
Single Premium ILP
A single premium ILP is similar to a unit trust except for the additional life insurance cover provided. Should you decide to surrender the policy, the cash value is based on the prevailing value of the fund. Should you die, you will receive, for example, the sum assured or the value of units, whichever is higher. The death benefit is a salient feature of a life insurance policy and is not available to those who invest solely in unit trusts.
6. If I have a life insurance policy, who will get the money when something happens to me? What do they have to do to claim the benefits?
If death occurs, we pay to:
the estate if there is no will
the executor if there is a will
the trustees if there is a nomination/trust, or
the assignee if we have been notified of an assignment
A non-Muslim policyowner may nominate a natural person(s) (i.e nominee(s)) to receive policy moneys payable upon his death under his policy at any time by completion of a nomination form. Where a nominee is spouse, child or parent (where there is no spouse or child living at the time of nomination), a trust shall be created automatically.
If the policyowner is a Muslim, the nominee shall act as an executor. He shall distribute the policy moneys in accordance with Islamic Law.
If there is a living benefit claim, such as disability or critical illness, we will pay upon total and permanent disability or diagnosis of a critical illness.
The person claiming the policy money will have to notify the life insurance company and provide documentary evidence to substantiate their claim.
7. What are the important aspects of financial planning?
There are four aspects of financial planning:
Insurance planning - you use insurance plans to meet the financial security needs of yourself and your family, should any mishap happen to you and/or your loved ones.
Investment planning - you have your money work for you and reap the returns according to your risk profile.
Retirement planning - you ensure that you are able to continue with a comfortable lifestyle and do the things you want to do after retirement.
Tax planning - you ensure that appropriate taxes are being paid without having to make large sacrifices.
8. I am having financial difficulties right now; should I surrender my policy?
There may be times when you might meet with financial difficulty and consider surrendering your policy. You should, however, evaluate the various options available before surrendering.
When you surrender your policy, the amount of money you receive (known as the surrender value) may be more or less than the total premiums you have paid. This will depend on the age at which you bought the policy and the terms of the policy.
Remember that an insurance policy is a medium- to long-term investment. You are likely to lose some of your premiums if you surrender your policy after a short period, while you stand to gain attractive monetary rewards if you can continue your investment over the medium to long term.
More importantly, you must also consider the insurance coverage that you will lose at a time when it is needed most. When your financial resources are low, every income source is crucial to your family. If you surrender your policy now, your family will have to make ends meet without either your income source or any insurance proceeds should something unfortunate happen.
Generally, you have 2 options.
If you have difficulty paying your premiums, you may want to consider going on a 'premium holiday' instead. Once your policy has acquired a cash value, you can go on a 'premium holiday' during which you do not pay premiums but still receive insurance coverage. This is possible as long as your policy has cash value that can be used to pay your premiums. Only when the cash value is depleted, will your policy lapse.
Alternatively, you can convert it to a 'paid-up' policy where you stop paying premiums but maintain the validity of your policy with the reduced sum assured.
It is important to think it over carefully before making the decision to surrender your policy. You may want to take up one of the two options above rather than LOSE your investment and financial security for your family.
9. How can life insurance help me with my mortgage(s)?
Most people would have taken up a mortgage loan when they purchased a new home. It is important to take up mortgage insurance so that your family can still continue to live in the home that you have provided for them, even when you are no longer around. The sum assured of the mortgage insurance will pay for the mortgage loan.
10. What is an assignment? Can a life policy be assigned? If so, how should I do it?
An assignment means to transfer the rights of personal property to another person. A life insurance policy can be assigned as it is regarded as a form of personal property.
The assignment can be done via a Deed of Assignment signed by the assignor (policyowner) and the assignee (the party receiving the rights of the policy).
Wednesday, July 21, 2010
Cerita Kerak Nasi
Entah kenapa tiba-tiba aku terasa cerita ini seperti mahu dikongsi. Semalam tiba-tiba hati aku sebak teringatkan arwah ayah aku yang dan hampir 5 tahun pergi mangadap Ilahi. Dulu masa aku kecik-kecik, bila time makan nasi, bila sendukkan nasi untuk ayah (aku panggil dia cik) dia selalu cakap bagi yang kerak je untuk dia....katanya dia suka kerak. Dulu-dulu bukannya ada rice cooker macam sekarang, dapur pun kalau yang canggih sikit pakai dapur minyak. Time tu rumah orang tua aku pakai dapur nilah. So kalau masak mesti ada kerak.
Setiap kali time makan nasi dia akan tanyakan aku ada kerak tak, dia nak. Aku pun masa tu budak-budak apa yang cerdik sangat pun bagilah dah dia suka. Begitulah rutin dia sampailah dia meninggal. So, sampailah aku dah ada anak tiga, kadang-kadang aku bercerita dengan suami aku dan kawan-kawan ayah aku suka sangat makan kerak nasi. Tapi semalam aku balik kerja pun dah agak lambat, nak makan kat luar pulak dah boring. So, aku cakap kat hubby saya masak yg simple-simple jelah. Kebetulan aku masak nasi sedikit je, sebab selalunya tak habis pun makan anak beranak. Bila masa nak sendukkan nasi untuk hubby aku, nasi kat bawah tu macam keras sikit/kerak la, sbb aku masak sikit sangat kot. So, aku buang semua nasi yang keras tu dan aku letak kat dalam pinggan aku, nanti anak-anak pun nak makan jugak.
Sejak dari semalam aku asyik memikirkan benda yang sama yang dah bertahun berlalu dalam hidup aku, kenapa selama ni ayah aku suka sangat dengan kerak nasi. Seorang Ayah/Suami atau seorang Ibu/Isteri sentiasa melakukan pengorbanan terhadap pasangan ataupun anak-anaknya, samada pasangan itu sedar atau tak sedar pengorbanan itu. Walaupun pengorbanan itu bukanlah dalam bentuk harta dan wang ringgit, tapi itulah saja kemampuan yang ada untuk anak-anak dan pasangannya. So, hargailah walau sekecil mana sekalipun pemberian dari orang yang kita sayang samada kita sedar atau tak sedar, berharga atau tak berharga pemberian itu.....hargailah ia. Mungkin ianya tak berguna pada masa sekarang, mungkin kita amat memerlukannya di masa akan datang. Semoga Tuhan cucuri rahmat keatas roh arwah ayah dan mak dan semua umat Islam seluruhnya. Amin
Setiap kali time makan nasi dia akan tanyakan aku ada kerak tak, dia nak. Aku pun masa tu budak-budak apa yang cerdik sangat pun bagilah dah dia suka. Begitulah rutin dia sampailah dia meninggal. So, sampailah aku dah ada anak tiga, kadang-kadang aku bercerita dengan suami aku dan kawan-kawan ayah aku suka sangat makan kerak nasi. Tapi semalam aku balik kerja pun dah agak lambat, nak makan kat luar pulak dah boring. So, aku cakap kat hubby saya masak yg simple-simple jelah. Kebetulan aku masak nasi sedikit je, sebab selalunya tak habis pun makan anak beranak. Bila masa nak sendukkan nasi untuk hubby aku, nasi kat bawah tu macam keras sikit/kerak la, sbb aku masak sikit sangat kot. So, aku buang semua nasi yang keras tu dan aku letak kat dalam pinggan aku, nanti anak-anak pun nak makan jugak.
Sejak dari semalam aku asyik memikirkan benda yang sama yang dah bertahun berlalu dalam hidup aku, kenapa selama ni ayah aku suka sangat dengan kerak nasi. Seorang Ayah/Suami atau seorang Ibu/Isteri sentiasa melakukan pengorbanan terhadap pasangan ataupun anak-anaknya, samada pasangan itu sedar atau tak sedar pengorbanan itu. Walaupun pengorbanan itu bukanlah dalam bentuk harta dan wang ringgit, tapi itulah saja kemampuan yang ada untuk anak-anak dan pasangannya. So, hargailah walau sekecil mana sekalipun pemberian dari orang yang kita sayang samada kita sedar atau tak sedar, berharga atau tak berharga pemberian itu.....hargailah ia. Mungkin ianya tak berguna pada masa sekarang, mungkin kita amat memerlukannya di masa akan datang. Semoga Tuhan cucuri rahmat keatas roh arwah ayah dan mak dan semua umat Islam seluruhnya. Amin
Sunday, July 18, 2010
kerja mingguan papa sofea, izzatie dan uzzair
papa sofea, izzati dan uzzair cuti sabtu dan ahad x lah lain selain memancing.....asyik ada cuti je mula lah panas bontot..... tangan dah ketar teringat ikan nk makan kail.tinggal aku empat beranak kat umah. Boring lah gak tapi lama kelamaan dah lali. selalu nya kalau dia keluar memancing biasa nya balik dengan hasil. x pernah kecundang lagi kata nya. minggu depan yg akan datang ni pn dia nk kelaut la pulak. memancing di pulau sembilan dekat dgn Bagan Datoh. Balik kampung terus lah tu. Sambil memancing boleh lah dia gi jenguk ayah, makcik dan abang dia yang ada kat kampung. tinggal lagi aku 4 beranak kat umah . huhuhuhuhu.......
kalau nk tengok hasil dia.... tunggu lah dia balik nnti. walau macam mana pun semoga selamat pergi dan selamat kembali. semoga hasil kali ini lebih lumayan. ini ada lah diantara hasil yang pernah dia bawa balik untuk tatapan bersama.
kalau nk tengok hasil dia.... tunggu lah dia balik nnti. walau macam mana pun semoga selamat pergi dan selamat kembali. semoga hasil kali ini lebih lumayan. ini ada lah diantara hasil yang pernah dia bawa balik untuk tatapan bersama.
Thursday, July 8, 2010
Lagi-lagi kisah anak-anak
Anak bujang aku ni baru boleh berjalan.....punya la penat aku tunggu...at last, dah nak masuk 1 tahun 4 bulan dapatlah aku tengok dia berjalan macam hantu cina dengan dua2 tangan ke depan. Sori gambar takde...aku ni mana ada masa nak ambik gamba...
Gigi pun dah upgred lagi 2 batang kat atas, senget2 pulak tu, tak pe...nasib baik lelaki...saham ok lagi.
Ok, kat sini pulak cerita kakak Sarah@Sofea.....katanya nama Sofea tak cantik, dia sesuka hati suruh aku panggil dia Sarah. Tak kisahlah Sofea ke, Sarah ke...ni ha gamba yg dia ambik kat sekolah. Tengoklah gambarnya entah apa2 ntah.....tapi tak pe lah....janji happy.... nah tengok kat bawah....
Tapi, muka Sarah ni kan memang macam muka aku masa kecik2 dulu, perangai pun sama....janganlah dia ikut perangai aku sampai tua, aku tahu aku ni teruk.....huhuhu..... Ok layan....
Gigi pun dah upgred lagi 2 batang kat atas, senget2 pulak tu, tak pe...nasib baik lelaki...saham ok lagi.
Ok, kat sini pulak cerita kakak Sarah@Sofea.....katanya nama Sofea tak cantik, dia sesuka hati suruh aku panggil dia Sarah. Tak kisahlah Sofea ke, Sarah ke...ni ha gamba yg dia ambik kat sekolah. Tengoklah gambarnya entah apa2 ntah.....tapi tak pe lah....janji happy.... nah tengok kat bawah....
Tapi, muka Sarah ni kan memang macam muka aku masa kecik2 dulu, perangai pun sama....janganlah dia ikut perangai aku sampai tua, aku tahu aku ni teruk.....huhuhu..... Ok layan....
Friday, June 25, 2010
Jiwa kacau plus tragedy
Salam.....dah lama jugak aku tak update blog aku ni, bukan apa aku tengah buzz study.....macam2lah + aku takder idea nak tulis apa.
Ha..yg ni pulak kisah naik komuter dari bank negara ke shah alam.... dah la aku sampai kat stesen bank negara kol 6++ aku tengok terpampang tulis HARAP MAAF JADUAL PERJALANAN KOMUTER TERGENDALA BUAT SEMENTARA WAKTU, SILA GUNA ALTERNATIF LAIN BLA...BLA...>< tapi tak pulak dicakapnya sampai dari pukol berapa ke pukol berapa? so aku tanya la budak yg jaga kaunter tiket tu, dia cakap ada train tapi lambat sket..... dlm hati aku bolehlah...aku nak guna alternatif apa lagi....
Sampai je kat tangga nak turun ke Port Klang dah letak tali rentang....apa pulak ni...dahlah dalam kepala hotak aku ni berserabut dengan macam2 hal yang tak sepatutnya (jiwa kacau). Ok, train cuma lalu kot platform 1 je, tak kiralah kau nak pegi arah mana pun...ok jalan...tunggu punya tunggu kol 6:45 pm train sampai...ok la dapat masuk w/pun tak dapat duduk (itu normal). Sampai KL Sental umat tak yah cakapla ramai, aku rasa sadin yg dalam tin tu lagi selesa duduknya........
Aku yg duduk kat koc wanita (yg dibanggakan oleh KTM) okeyla walaupun berhimpit2, sbb semua wanita2. Aku pun tak tahu berapa km/hrs train bergerak tapi lebey kurang 7:30 aku terdengar 1 letupan dan aku nampak 1 bebola api keluar kat koc wanita tapi kat depan...aku kat belakang....pastu macam2 bunyi lagi...pastu komuter stop dengan lampu semua stop.....wanita2 kat dalam macam kecoh jap still under control. Tapi yg tak tahannya tiba2 aku dengar suara api! api! api!....semua dah kelam-kabut nak lari, tapi semua pintu tak bukak. Aku lari kat koc lelaki (rasa lagi selamat, kalau setakat kena raba ok lagi dari rentung). Dia org pecahkan cermin kaca untuk keluar....then aku nampak asap putih dah semakin banyak.... Allahhuakbar....itu je yg aku cakap dalam hati...the 1st thing yg aku ingat macammana dengan anak2 aku... tiba2 aku nampak pintu dah terbukak, apa lagi terjun jelah......
Sampai rumah lepas ambik anak2 dah dekat kol 9 malam, Alhamdulillah akhirnya aku sampai jugak kat rumah jumpa anak2. Tulah kitaorang shuttle naik teksi ngan 2 sister dan 1 brother sampai shah alam. Wassalam. Sorila gambar tak sempat nak snap sebab panic sangat.
Ha..yg ni pulak kisah naik komuter dari bank negara ke shah alam.... dah la aku sampai kat stesen bank negara kol 6++ aku tengok terpampang tulis HARAP MAAF JADUAL PERJALANAN KOMUTER TERGENDALA BUAT SEMENTARA WAKTU, SILA GUNA ALTERNATIF LAIN BLA...BLA...>< tapi tak pulak dicakapnya sampai dari pukol berapa ke pukol berapa? so aku tanya la budak yg jaga kaunter tiket tu, dia cakap ada train tapi lambat sket..... dlm hati aku bolehlah...aku nak guna alternatif apa lagi....
Sampai je kat tangga nak turun ke Port Klang dah letak tali rentang....apa pulak ni...dahlah dalam kepala hotak aku ni berserabut dengan macam2 hal yang tak sepatutnya (jiwa kacau). Ok, train cuma lalu kot platform 1 je, tak kiralah kau nak pegi arah mana pun...ok jalan...tunggu punya tunggu kol 6:45 pm train sampai...ok la dapat masuk w/pun tak dapat duduk (itu normal). Sampai KL Sental umat tak yah cakapla ramai, aku rasa sadin yg dalam tin tu lagi selesa duduknya........
Aku yg duduk kat koc wanita (yg dibanggakan oleh KTM) okeyla walaupun berhimpit2, sbb semua wanita2. Aku pun tak tahu berapa km/hrs train bergerak tapi lebey kurang 7:30 aku terdengar 1 letupan dan aku nampak 1 bebola api keluar kat koc wanita tapi kat depan...aku kat belakang....pastu macam2 bunyi lagi...pastu komuter stop dengan lampu semua stop.....wanita2 kat dalam macam kecoh jap still under control. Tapi yg tak tahannya tiba2 aku dengar suara api! api! api!....semua dah kelam-kabut nak lari, tapi semua pintu tak bukak. Aku lari kat koc lelaki (rasa lagi selamat, kalau setakat kena raba ok lagi dari rentung). Dia org pecahkan cermin kaca untuk keluar....then aku nampak asap putih dah semakin banyak.... Allahhuakbar....itu je yg aku cakap dalam hati...the 1st thing yg aku ingat macammana dengan anak2 aku... tiba2 aku nampak pintu dah terbukak, apa lagi terjun jelah......
Sampai rumah lepas ambik anak2 dah dekat kol 9 malam, Alhamdulillah akhirnya aku sampai jugak kat rumah jumpa anak2. Tulah kitaorang shuttle naik teksi ngan 2 sister dan 1 brother sampai shah alam. Wassalam. Sorila gambar tak sempat nak snap sebab panic sangat.
Tuesday, April 13, 2010
Selamat Hari Ibu
Sampai je kat rumah, 'mama...mama....ni kakak sofea buat, teacher suruh bagi kat mama, nanti mama letak dalam beg keje mama tau'. Oklah...nanti mama simpan, itulah anak aku.....tulah sebabnya semua dia punya keje-keje art dia aku simpan dalam kotak elok-elok, nanti kalau letak kat luar kan tak sempat nak tengok, semua ranap. Anyway, thank you kakak.
Dan Selamat Hari Ibu, mama, mak, ummi, mummy, semoga semua ibu-ibu sukses selalu dan happy-happy selalu.
Sunday, April 11, 2010
Tadika Islam An-Nizah Majalah Pa&Ma
Assalamualaikum......
Ni kisah sekolah kakak Sofea. Majalah Pa&Ma ada published sekolah dia untuk keluaran bulan Mac lepas, baru sekarang aku dapat upload....tapi aku dok cari jugak yang mana satu muka anak aku, tak nampak pun....tak kisahlah janji sekolah dia dapat masuk magazine. Itupun siap hari-hari dok cerita kat aku mama,mama....ni teacher kakak ada kat sini, tengok ni....dia tak ada pun tak pe, janji teacher dia ada.
Ni lah...sekolah anak aku, Tadika Islam An-Nizah kat Bukit Naga, Shah Alam. Tak jauh pun dari rumah alu, lebih-kurang 3 mins je nak hantar dia. Tapi aku memang tak pernah berkesempatan pun nak hantar dia, selalunya papa dia yang hantar.....so, hari-harilah papa dia kena singgah beli kuih untuk breakfast, nanti dia cakap kat sekolah tak ada benda dia nak makan, padahal aku tahu kat sekolah dia memang dah ready untuk breakfast. Masuk kol 8 pagi, nanti kol 12 pulak atok omar akan ambik dia dengan van hantar kat nursery. Bab yang ni yang dia selalu complaint kat aku....mama, nape mama tak ambik kakak kat sekolah an-nizah, kakak tak nak naik van atok omar, mama orang lain semua ambik anak-anak dia.....yang ni buat aku nak berenti keje......nanti duit pulak tak cukup....huhuhu.....Insyaallah tahun depan mama akan jadi driver kakak sepenuh masa....
Thursday, April 8, 2010
Tazkirah Jumaat 24 Rabiulakhir 1431H
Kekuatan Sedekah
Diceritakan dalam sebuah hadist yang diriwayatkan oleh Turmudzi dan Ahmad, seperti berikut :
Tatkala Allah Ta ' ala menciptakan bumi, maka bumipun bergetar. Lalu Allah menciptakan gunung dengan kekuatan yang telah diberikan kepadanya, ternyata bumipun terdiam.
Allah menjawab, " Ada
Allah yang Maha Suci menjawab, " Ada
Allah yang Maha Agung menjawab, " Ada
Allah yang Maha Tinggi dan Maha Sempurna menjawab, " Ada
Akhirnya para malaikatpun bertanya lagi "Ya Allah, adakah sesuatu dalam penciptaan-Mu yang lebih dahsyat dari itu semua ?"
Allah yang Maha Gagah dan Maha Dahsyat kehebatannya menjawab, " Ada
Ertinya, yang paling hebat, paling kuat dan paling dahsyat sebenarnya adalah orang yang bersedekah tetapi tetap mampu menguasai dirinya, sehingga sedekah yang dilakukannya bersih , tulus dan ikhlas tanpa ada unsur menunjuk-nunjuk ataupun supaya diketahui orang lain .
Berkaitan dengan ikhlas ini, RasulAllah SAW mengingatkan dalam pidatonya ketika beliau sampai di Madinah pada waktu hijrah dari Makkah : "Wahai segenap manusia ! Sesungguhnya amal itu tergantung kepada niat , dan seseorang akan mendapatkan (pahala) sesuai dengan apa yang diniatkannya" .
Oleh kerana itu hendaknya kita selalu mengiringi sedekah kita dengan niat yang ikhlas hanya kerana Allah semata , tanpa berasa ingin dipuji, dianggap dermawan, dihormati, dll yang dapat menjadikan sedekah kita menjadi sia-sia.
Ganjaran bersedekah
RasulAllah Shollallahu Alaihi Wa Sallam menganjurkan kepada kita umatnya untuk memperbanyak sedekah, hal itu dimaksudkan agar rezeki yang Allah berikan kepada kita menjadi bertambah berkah.
Allah memberikan jaminan kemudahan bagi orang yang berdekah, ganjaran yang berlipatganda (700 kali) dan sebagai ganti, sebagaimana firman-Nya dan sabda RasuluAllah SAW, sbb :
Z Allah Ta ' ala berfirman, "Adapun orang yang memberikan (hartanya di jalan Allah) dan bertaqwa dan membenarkan adanya pahala yang terbaik (syurga) maka Kami kelak akan menyiapkan baginya jalan yang mudah " .. {Qs. Al Lail (92) : 5-8}
Z Allah Ta ' ala berfirman, "Perumpamaan ( nafkah yang dikeluarkan oleh ) orang-orang yang menafkahkan hartanya di jalan Allah adalah serupa dengan sebutir benih yang menumbuhkan tujuh bulir, pada tiap-tiap bulir seratus biji. Allah melipatgandakan (ganjaran) bagi siapa yang Dia kehendaki . Dan Allah maha luas (kurnia-Nya) lagi maha mengetahui" . {Qs. Al Baqarah (2) : 261}
Z RasulAllah SAW bersabda, " Setiap awal pagi, semasa terbit matahari, ada dua malaikat menyeru kepada manusia dibumi. Yang satu menyeru, "Ya Tuhan, kurniakanlah ganti kepada orang yang membelanjakan hartanya kepada Allah ". Yang satu lagi menyeru " musnahkanlah orang yang menahan hartanya " .
Z Allah Ta ' ala berfirman, "Adapun orang yang memberikan (hartanya di jalan Allah) dan bertaqwa dan membenarkan adanya pahala yang terbaik (syurga) maka Kami kelak akan menyiapkan baginya jalan yang mudah " .. {Qs. Al Lail (92) : 5-8}
Z Allah Ta ' ala berfirman, "Perumpamaan ( nafkah yang dikeluarkan oleh ) orang-orang yang menafkahkan hartanya di jalan Allah adalah serupa dengan sebutir benih yang menumbuhkan tujuh bulir, pada tiap-tiap bulir seratus biji. Allah melipatgandakan (ganjaran) bagi siapa yang Dia kehendaki . Dan Allah maha luas (kurnia-Nya) lagi maha mengetahui" . {Qs. Al Baqarah (2) : 261}
Z RasulAllah SAW bersabda, " Setiap awal pagi, semasa terbit matahari, ada dua malaikat menyeru kepada manusia dibumi. Yang satu menyeru, "Ya Tuhan, kurniakanlah ganti kepada orang yang membelanjakan hartanya kepada Allah ". Yang satu lagi menyeru " musnahkanlah orang yang menahan hartanya " .
Tolak Bala dengan Sedekah
Orang-orang yang beriman sangat sedar dengan kekuatan sedekah untuk menolak bala, kesulitan dan berbagai macam penyakit, sebagaimana sabda RasulAllah SAW , sbb :
Z " Bersegeralah bersedekah, sebab yang namanya bala tidak pernah mendahului sedekah " .
Z " Belilah semua kesulitanmu dengan sedekah " .
Z "U batilah penyakitmu dengan sedekah " .
Z " Bersegeralah bersedekah, sebab yang namanya bala tidak pernah mendahului sedekah " .
Z " Belilah semua kesulitanmu dengan sedekah " .
Z "U batilah penyakitmu dengan sedekah " .
Banyak dari kita yang sudah mengetahui dan memahami perihal anjuran bersedekah ini, namun persoalannya seringkali kita teramat susah untuk melakukannya kerana kekhuatiran bahawa kita salah memberi, sebagai contoh kadang kala kita enggan memberi sedekah kepada pengemis yang kita temui ditepi jalan dengan anggapan bahawa mereka (pengemis/peminta tsb) menjadikan meminta-minta sebagai pekerjaannya, malas, dll. Padahal sesungguhnya prasangka kita yang demikian adalah bisikan-bisikan syaitan laknatullah yang tidak rela melihat kita berbuat baik (bersedekah) , sebaiknya mulai saat ini hendaknya kita hilangkan prasangka-prasangka yang demikian kerana seharusnya sedekah itu kita niatkan sebagai bukti keimanan kita atas perintah Allah dan rasul-Nya yang menganjurkan umatnya untuk selalu bersedekah,
Walaubagaimanapun dalam dunia yang semakin gawat dan gayat ini pemberian sedekah
Atau kalau kita termasuk orang yang tidak suka memberi sedekah (kepada pengemis/peminta/ fakir miskin) dengan berbagai alasan dan pertimbangan maka biasakanlah bersedekah dengan menyiapkan sejumlah wang sebelum sholat Jum ' at dan memasukkan ke kotak-kotak sumbangan yang tersedia dan biasakan dengan memberi sejumlah minima setiap Jum ' at , misalnya Jum ' at ini kita menyumbang RM5 kekotak amal tersebut maka sebaiknya Jum ' at berikutnya harus dengan jumlah yang sama, syukur jika boleh diberi lebih dan yang terpentingnya harus diiringi dengan keikhlasan.
Sedekah anda, walaupun kecil tetapi amat berharga disisi Allah Azza Wa Jalla. Orang yang bakhil dan kikir dengan tidak menyedekahkan sebahagian hartanya akan rugi didunia dan akhirat kerana tidak mendapat keberkatan. Jadi, sebenarnya orang yang bersedekah adalah untuk kepentingan dirinya. Sebab menginfakkan (belanjakan) harta akan memperoleh berkah dan sebaliknya menahannya adalah celaka . Tidak menghairankan jika orang yang bersedekah diibaratkan orang yang melabur (invest) dan menabung disisi Allah dengan jalan meminjamkan pemberiannya kepada Allah. Balasan yang akan diperolehnya berlipatganda. Mereka tidak akan rugi meskipun pada awalnya mereka kehilangan sesuatu.
Sedekah yg pahalanya terus mengalir
Dari Abu Hurairah RA, bahwa sesungguhnya Rasulullah SAW, telah bersabda : "Bila seorang hamba telah meninggal, segala amalnya terputus , kecuali tiga hal : amal jariyah , ilmu yang bermanfaat atau anak shalih yang mendo ' akannya " (HR. Bukhari, dalam Adabul Mufrad).
Berikut contoh konkrit, sadaqah (amal) jariah, yang pahalanya terus mengalir walaupun si pemberi sadaqah telah meninggal :
SADAQAH JARIAH – KEBAIKAN YANG TAK BERAKHIR | THE ACTIONS WHICH OUTLIVES YOU ! |
1. Berikan Al-Quran pada seseorang , setiap saat Al-Quran tersebut dibaca, anda mendapatkan kebaikan. | Give Quran to someone and each time they read from it, you will gain hasanaat. |
2. Ajarkan seseorang sebuah do ' a . Pada setiap bacaan do ' a itu, anda mendapatkan kebaikan. | Teach someone to recite a dua.. With each recitation, you will gain hasanaat. |
3. Sumbangkan kerusi roda ke Hospital dan setiap orang sakit menggunakannya, anda mendapatkan kebaikan. | Donate a wheel chair to a hospital and each time a sick person uses it, you will gain hasanaat. |
4. Tanam sebuah pohon . Setiap seseorang atau haiwan berlindung dibawahnya atau makan buahnya, anda dapat kebaikan. | Plant a tree. Each time any person or an animal sits under its shade or eats from the tree, you will gain hasanaat. |
5. Tempatkan pendingin air di tempat awam . | Place a water cooler in a public place. |
6. Edarkan bacaan yang membangun dengan seseorang. | Share constructive reading material with someone. |
7. Libatkan diri dalam pembangunan masjid . | Participate in the building of a mosque. |
8. Edarkan CD Quran atau Do ' a . | Share a dua or Quran CD. |
9. Bantulah pendidikan seorang anak . | Help in educating a child. |
10. Edarkan pengetahuan ini dengan orang lain . Jika seseorang menjalankan salah satu dari hal diatas, Anda dapat kebaikan sampai hari Qiamat. | Share this with someone. If one person applies any of the above you will receive your hasanaat until the Day of Judgment. |
"Sesungguhnya orang-orang yang menyembunyikan apa yang telah Kami turunkan dari keterangan-keterang an dan petunjuk hidayat, sesudah Kami terangkannya kepada manusia di dalam Kitab Suci, mereka itu dilaknat oleh Allah dan dilaknat oleh sekalian makhluk " .
Dari Abdullah bin ' Amru ra, RasulAllah S.A.W bersabda: " Sampaikanlah pesanku walaupun hanya satu ayat ".
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