Chinese Wisdom

An American, a Japanese and a Chinese went for a hike one day. It was very hot. They were sweating and exhausted. When they came upon a small lake, they took off all their clothes and jumped into the water, since it was fairly secluded. Feeling refreshed, the trio decided to pick a few berries while enjoying their "freedom." As they were crossing an open area, suddenly a group of ladies from town appeared. Unable to get to their clothes in time, the American and the Japanese quickly used their hands to cover their privates. But the Chinese covered his face and the trio ran for cover. After the ladies had left and the men got their clothes back on, the American and the Japanese asked the Chinese why he covered his face rather than his private part. The Chinese replied, "I don't know about you....... but in my country, it's the face that people recognize."

Selamat Datang Wahai Ramadhan

Kepada yang mungkin lupa atau tak ingat niat puasa. Bolehlah guna contoh niat diatas.

Bila nak berbuka, baca la niat nih pulak.

Hari Potensi Tabika Kemas Peringkat Kebangsaan 2010

Pada 12hb Jun 2010 sehingga 14hb Jun 2010, telah berlangsung Hari Potensi Tabika Kemas Peringkat Kebangsaan 2010 bertempat di Behrang Perak. Ada beberapa acara yang dipertandingkan. Antaranya teater, bercerita, tilawah, nasyid dan boneka tangan.

Aisyah telah mengambil bahagian dalam acara Boneka Tangan. Seronok sungguh dia. Sehari sebelum bertoloak ker Behrang, Aisyah demam, terpaksa bawak jumpa doktor malam tu jugak. Jenuh, kena pakai nebulizer.

Ini gambar Aisyah masa sebelum pergi hospital. Dia nampak macam ok jer, tapi ada semput. Selalunya memang kena pakai nebulizer la. Doktor tu tanya la, apa aktiviti Aisyah. So kitorang pon cakap la, dia ada puppet show besok kat Behrang sebagai wakil Wilayah Persekutuan.

Doktor terkejut, dia tanya "Anak awak ni sekolah tadika mana sampai jadi wakil sekolah pulak ?". Kitorang pon gelak la, cakap jer tadika kemas.

Agaknya doktor pon pelik, baru sekolah tadika dah jadi wakil negeri.

Ini kawan satu sekolah Aisyah. Nama dia Hakimi. Dia pon main boneka tangan jugak, sebagai Gergasi. Rasanya Aisyah demam jangkit dari Hakimi ni la kot, pasal Hakimi pon demam seminggu sebelum pergi ke Behrang tu.

Ini pulak Shanor, kawan Aisyah jugak. Shahnor sebagai Kambing dalam lakonan boneka tangan tu. Aisyah berlakon sebagai Katak dan Siput. Naik bas pon nak duduk bersama.

Selalu pergi berlatih pon bersama-sama kat Pejabat Kemas, Batu Muda.

Inilah pemandangan dari asrama Aisyah di Politeknik Sultan Azlan Shah, Behrang.

Rasa nyaman dan sejuk jer mata memandang. Syok pulak.

Ini pulak pemadangan waktu terbit matahari dari rumah Nek Tam, Kira-kira 3 kilometer dari Politeknik Sultan Azlan Shah. Sejuk dan cantik la pulak.

Selama 4 hari kat Behrang, hari-hari lepas subuh, mesti lepak kat luar, tengok pemandangan macam ni.

Memandangkan acara Aisyah hanya akan diadakan pada hari Ahad. Maka pada hari Sabtu, cikgu-cikgu boneka tangan telah membawa murid-murid mereka untuk menonton pertandingan teater.

Agak boring jugak, tapi seronok. Budak-budak nih pon seronok sakan menggelakkan murid-murid lain yang melakukan kesilapan.

Cikgu pon apa lagi, sound la diorang, "Kalau korang pon buat silap macam diorang yang kat atas pentas tu, korang pon nanti kena gelak jugak.". Cuak jugak muka masing-masing.

Ini merupakan antara boneka-boneka buatan tangan oleh cikgu-cikgu tabika kemas Aisyah. Antara yang kelihatan ialah, monyet, gergasi, gajah dan kambing.

Tengok masa cikgu buat nih, jenuh jugak la. Remeh jer.

Ini pon memberi mata jugak dalam pertandingan tu.

Masa ni sedang menunggu giliran dibelakang pentas.

Semua kena pakai 'jump suit'. Masa ni kalau Aisyah tak tegur, tak kenal itu Aisyah.

Tak der rasa suspen pon diorang ni. Semangat jer. Kitorang mak bapak pulak yang rasa suspen.



Sori la, gambar masa pertandingan tuh tak dapat nak amik, pasal gelap. Kamera pon bukan kamera mahal. Jadi gambar masa dah abis jer la buleh nak amik. Baru dapat pegi dekat dengan pentas.

 Bersama-sama dengan boneka masing-masing.

Lepas persembahan. Dapat hadiah saguhati. Glass chess set ngan board game. Ada dalam sepuluh board game la.

Nombor 10 tu kira peserta yang kesepuluh la. Iaitu Wilayah Persekutuan.






Barisan guru dan murid-murid selepas persembahan. Semua confident menang dah.

Inilah hadiah yang Aisyah dapat. Satu piala kristal dan set permainan monopoly edisi Malaysia.







Yang paling bangga, bapaknya. Kerana kumpulan anaknya telah berjaya mengalahkan kumpulan-kumpulan lain yang terbaik dalam negeri masing-masing. Kerana kumpulan Ceria, merupakan juara antara juara.

Rancang kewangan demi kesejahteraan keluarga

Oleh SITI AINIZA KAMSARI
Ainiza.kamsari@utusan.com.my
Gambar ABDUL NAZIR MUHAMED

TIDAK bertanggungjawab, lemah didikan agama, campur tangan pihak ketiga, perbezaan budaya, masalah seksual, masalah ekonomi, masalah kerjaya, masalah kesihatan, masalah akhlak atau sosial dan masalah komunikasi, adalah antara yang menjadi senarai faktor sesebuah rumah tangga berantakkan.

Masalah ekonomi terutamanya, antara faktor yang sangat rumit untuk dihadapi oleh pasangan suami isteri. Jika tidak diatasi dengan baik maka ikrar untuk tetap hidup bersama ketika susah dan senang tentunya sukar untuk direalisasikan serta dipertahankan.

Aapabila bercakap soal ekonomi segala-galanya berpokok pangkal kepada perancangan kewangan yang tidak sahaja strategik tetapi mesti berlandaskan syariat Islam.

Itu antara yang banyak disuarakan oleh pakar penasihat kewangan peribadi dan keluarga, Rohani Mohd. Shahir dari Hijrah Wealth Management Sdn. Bhd.

Topik itu juga yang berjaya menarik perhatian hampir 300 hadirin yang mengikuti Seminar Rumahku Syurgaku, "Setulus Kasih Ayah, Semurni Pengorbanan Ibu" anjuran Jabatan Kemajuan Islam Malaysia (Jakim) di Putrajaya baru-baru ini.

Menerusi tajuk Bijak Mengurus, Keluarga Terurus Rohani berkata, hutang kad kredit atau istilah popularnya wang plastik antara yang menjadi punca suami isteri berperang besar. Apatah lagi jika ia menyebabkan salah seorang daripada pasangan tersebut diisytiharkan muflis atau bankrap.

Malah dalam banyak kes, si isteri yang ditinggalkan terpaksa menanggung pelbagai tekanan hutang piutang kad kredit yang disalahguna oleh suami.

"Statistik menunjukkan hutang kad kredit dan pembiayaan peribadi di negara ini telah meningkat pada kadar 17.6 peratus dalam tempoh enam bulan ke RM98.8 bilion pada akhir 2009.

"Tetapi yang menjadi masalah sehingga memasuki tahap yang sangat membimbangkan apabila peratus hutang kad kredit yang tidak dibayar telah meningkat 5.4 peratus, iaitu sebanyak RM26.7 bilion terutamanya akibat pembelian barangan pengguna di bawah skim ansuran," katanya.

Menurutnya, dari tahun 2004 hingga April 2009, seramai 637 pemegang kad kredit telah diisytiharkan muflis akibat hutang kad kredit.

"Iaitu jika dilihat pada pecahan bangsanya, mereka yang muflis ini terdiri 52 peratus berketurunan Cina, diikuti 36 peratuMelayu, 11 peratus kaum India dan satu peratus kaum-kaum lain.

Walaupun jumlah peratus kalangan Melayu itu tidaklah tinggi berbanding bangsa Cina, namun fenomena berhutang dan muflis akibat kad kredit ini tetap membimbangkan.

"Justeru setiap pasangan suami isteri harus memikirkan kewajaran untuk menggunakan kad kredit. Jika salah penggunaan dan dibebani hutang serta muflis tentunya memberi kesan yang tidak baik terhadap hubungan mereka," katanya.

Rohani dalam pembentangan kertas kerjanya selanjutnya berkata perancangan kewangan secara Islam adalah menjadi asas penting kepada kesejahteraan keluarga.

"Soal sumber pendapatan, makan, minum yang halal haram atau syubhah penting untuk diambil kira. Andai yang haram banyak yang berdarah daging dalam tubuh badan maka tidak menghairankan jika kebanyakan generasi yang dilahirkan akhirnya mereka yang ramai menderhaka terhadap ibu bapa dan agama mereka," katanya.

Iaitu sebagaimana peringatan dari Allah dalam Surah Al Baqarah, iaitu ayat 208 yang bermaksud: "… Hai orang-orang yang beriman, masuklah kamu ke dalam Islam secara keseluruhannya, dan janganlah kamu turut langkah-langkah syaitan. Sesungguhnya syaitan itu musuh yang nyata bagimu…"

Islam tidak dapat berkompromi dalam soal hukum halal haram, malah jika melihat dari aspek merokok sekalipun, Rohani sarankan agar tabiat itu juga mesti ditinggalkan secara total.

Ini apabila Kementerian Kesihatan mendapati rakyat negara ini berbelanja hampir berbilion ringgit setahun semata-mata untuk memuaskan tabiat merokok.

"Sedangkan ia sangat membazir dan lebih memburukkan keadaan kita terpaksa membazirkan banyak juga wang semata-mata untuk membiayai kos rawatan dan perubatan pelbagai penyakit kronik akibat tabiat buruk ini.

"Malah yang lebih menyedihkan, menurut kajian, lebih daripada 50 peratus perokok tersebut adalah kalangan kaum Melayu atau Islam itu sendiri," kata Rohani.

Lantas demi ekonomi rumah tangga sebelum menjadi lebih parah, adalah berhenti daripada merokok!

Tegasannya juga, supaya berhati-hati dengan pelbagai rangkaian perniagaan yang berasaskan multi level marketing (MLM) atau industri jualan langsung dan skim-skim pelaburan yang gharar, pengambilan deposit dan sebagainya lagi yang kononnya menjadikan peratus pulangan keuntungan yang tinggi.

"Sedangkan semua itu tidak pernah mendapat pengesahan daripada mana-mana pihak berkuasa dan ia lebih menjebakkan kita dalam pelbagai jenayah kewangan yang menambahkan lagi kerumitan dalam ekonomi rumah tangga," katanya.

Great Story.. with a moral value!

A blind boy sat on the steps of a building with a hat by his feet. He held up a sign,
which said: 'I am blind, please help.' There were only a few coins in the hat.

A man was walking by. He took a few coins from his pocket and dropped them into
the hat. He then took the sign, turned it around, and wrote some words. He put the
sign back so that everyone who walked by would see the new words.

Soon the hat began to fill up. A lot more people were giving money to the blind boy.
That afternoon the man who had changed the sign came to see how things were.
The boy recognized his footsteps and asked, 'Were
u the one who changed my sign this morning? What did you write?'

The man said, 'I only wrote the truth. I said what u said but in a different way.'
What he had written was: 'Today is a beautiful day and I cannot see it.'

Do you think the first sign & the second sign were saying the same thing? Of course,
both signs told people the boy was blind. But the first sign simply said the boy was blind.
The second sign told people they were so lucky that they were not blind. Should we be
surprised that the second sign was more effective?

Moral of the Story:

Be thankful for what you have. Be creative. Be innovative. Think differently and positively.
Invite the people towards good with wisdom. Live life with no excuse and love with no
regrets..
When Life gives you a 100 reasons to cry, show life that you have 1000 reasons to smile.
Face your past without regret. Handle your present with confidence. Prepare for the future
without fear. Keep the faith and drop the fear.
Don't believe your doubts and doubt your beliefs. Life is a mystery to solve not a problem to
resolve.
Life is wonderful if you know how to live.
Enjoy Life.......and Make A Difference.. ...

Well Begun is Not Half Done

A popular motivational speaker was entertaining his audience. He Said:

"The best years of my life were spent in the arms of a woman who wasn't my wife!"

The audience was in silence and shock.

The speaker added: "And that woman was my mother!"

Laughter and applause.
 

A week later, a top manager trained by the motivational speaker tried to crack this very effective joke at home. He was a bit foggy after a drink.

He said loudly, "The greatest years of my life were spent in the arms of a woman who was not my wife!"

The wife went wan with shock and rage.

Standing there for 20 seconds trying to recall the second half of the joke, the manager finally blurted out "... and I can't remember who she was!"

Moral of the story:
Don't copy if you can't paste!!

Strength or Weakness?

Sometimes your biggest weakness can become your biggest strength.

Take, for example, the story of one 10-year-old boy who decided to study judo despite the fact that he had lost his left arm in a devastating car accident.

The boy began lessons with an old Japanese judo master. The boy was doing well, so he couldn't understand why, after three months of training the master had taught him only one move.

"Sensei," the boy finally said, "Shouldn't I be learning more moves?""This is the only move you know, but this is the only move you'll ever need to know," the sensei replied.

Not quite understanding, but believing in his teacher, the boy kept training.

Several months later, the sensei took the boy to his first tournament.Surprising himself, the boy easily won his first two matches. The third match proved to be more difficult, but after some time, his opponent became impatient and charged; the boy deftly used his one move to win the match. Still amazed by his success, the boy was now in the finals.

This time, his opponent was bigger, stronger, and more experienced. For a while, the boy appeared to be over matched. Concerned that the boy might get hurt, the referee called a time-out. He was about to stop the match when the sensei intervened.
"No," the sensei insisted, "Let him continue."

Soon after the match resumed, his opponent made a critical mistake: he dropped his guard. Instantly, the boy used his move to pin him. The boy had won the match and the tournament. He was the champion.

On the way home, the boy and sensei reviewed every move in each and every match. Then the boy summoned the courage to ask what was really on his mind. "Sensei, how did I win the tournament with only one move?"

"You won for two reasons," the sensei answered. "First, you've almost mastered one of the most difficult throws in all of judo. And second, the only known defense for that move is for your opponent to grip your left arm."

The boy's biggest weakness had become his biggest strength.

Qualified Enough to Discuss with a Kid?

A Georgia Congressman was seated next to a little girl on the airplane leaving from Atlanta when he turned to her and said - 'Let's talk. I've heard that flights go quicker if you strike up a conversation with your fellow passenger.'

 

The little girl, who had just opened her book, closed  it slowly and said to the total stranger, 'What would you  like to talk about?'

 

'Oh, I don't know,' said the southern congressman. 'How about global warming or universal health care', and he smiles smugly.

 

OK, ' she said. 'Those could be interesting topics.. But let me ask you a question first. A horse, a cow, and a deer all eat the same stuff - grass. Yet a deer excretes little pellets, while a cow turns out a flat patty, and a horse produces clumps of dried grass. Can you explain.. Why?'

 

The southern legislator, visibly surprised by the little girl's intelligence, thinks about it and says - '
Hmmm, I have no idea.'

 

To which the little girl replies, 'Do you really feel qualified to discuss global warming or universal health care when you don't know sh!t..?

--
Mohon Derma :
Rumah Anak Yatim At-Taqwa
Pertubuhan At Taqwa - Maybank 5580-7920-2536

Derma Masjid Bosnia
Wan Shohor Bani Bin Leman - Maybank 5140-6605-4194

Terima kasih.

Pisang boleh halang AIDS

Dari Kosmo 17/03/2010.

Pisang boleh halang AIDS

GAMBAR menunjukkan buah pisang yang diberi percuma di Puerta del Sol, Madrid.

LONDON - Sekumpulan saintis Amerika Syarikat (AS) mendapati bahan kimia yang dinamakan BanLec dalam buah pisang didapati berkesan untuk merawat jangkitan HIV sama seperti dua jenis ubat anti-HIV semasa iaitu T-20 dan maraviroc, lapor sebuah akhbar semalam
BanLec merupakan sebahagian protein lektin yang banyak terdapat dalam tumbuhan, terutamanya buah pisang.
Berdasarkan penemuan itu, mereka percaya dapat menyelamatkan nyawa jutaan penghidap HIV dengan kos murah.
Penyelidik utama kumpulan berkenaan dari Universiti Michigan, Michael Swanson berkata, BanLec bertindak seperti guni yang membungkus virus HIV dan menghalangnya daripada merebak.
"Masalah sesetengah ubat anti- HIV adalah virus tersebut cepat bermutasi dan menjadi kebal, tetapi ia sukar berbuat demikian dengan kehadiran BanLec," katanya.
Swanson kini dalam proses menghasilkan kaedah mengubah suai BanLec supaya ia sesuai untuk manusia sama ada digunakan bersendirian atau melalui kombinasi dengan ubat anti-HIV yang lain. - Agensi
=======================================================

Ini yang buat makin semangat nak tanam pisang nih. Tunggu ha... masih lagi dalam perancangan. Mana nak carik benih dah tau. Tinggal penyediaan tanah jer nih, dan sikit modal nak dapatkan benih.

Skandal Panas - memang dasar buaya...(18sx)

SCANDAL PANASS.....MEMANG DASAR BUAYA....X GUNA....(18SX)

Electronic Hair Dryer (Hilarious Joke)

A distinguished young woman on a flight from Switzerland asked the priest beside her, "Father, may I ask you a favor?"

"Of course. What may I do for you?"

"Well, I bought an expensive! Electronic hair dryer that is well over the Customs limits and I'm afraid they'll confiscate it. Is there any way you could carry it through Customs for me? Under your robes perhaps?"

"I would love to help you, dear, but I must warn you: I will not lie."

"With your honest face, Father, no one will question you."

When they got to Customs, she let the priest go ahead of her. The official asked, "Father, do you have anything to declare?"

"From the top of my head down to my waist, I have nothing to declare."

The official thought this answer strange, so asked, "And what do you have to declare from your waist to the floor?"

"I have a marvelous little instrument designed to be used on a woman, but which is, to date, unused."

MAK APAN HILANG

Pagi tadi di opis, dalam pukul 9, sedang gua kaver line klik fesbuk sikit sikit, Apan mundar mandir belakang gua dengan muka kusut masai.
 
Dari tadi gua tengok Apan hilang punca di sekitar sektor operasi. Muka macam ada masalah.
 
"Lu kenapa ni Apan?" - Gua tanya demi meminta kepastian. Gua dengan Apan ni kira ngam juga la. Budak Kedah, umur muda sikit dari gua dan tak berapa hensem. Kalau tatap muka dia lama lama boleh naik menyampah juga.Dia baru setahun kerja dengan kompeni gua. Sebelum masuk sini, Apan banyak hendel bisnes sendiri dan selalu rugi.
 
"Mak gua hilang la.." - Apan berbisik perlahan.
 
Gua punyala terperanjat!
 
"Mak lu hilang?, bila hilang?" - dada gua tiba tiba mengepam keluar masuk laju laju. Berdebar tak payah cakap la, kencang macam kuda.
 
"Petang semalam..dah cari merata tak jumpa".
 
Apan berlalu meninggalkan gua menuju ke bahagian budak budak human resource. Gua tak tahu apa benda yang dia sedang fikir dalam kepala. Gua nak tanya lebih lebih risau kena pukul pula.Apa yang gua tahu sikit sikit, mak dia memang duduk rumah tak kerja, ayah dia kerja penolong kanan lagi dua tiga tahun nak pencen.
 
****
Kira kira lima belas minit kemudian, dari jauh gua nampak Apan berjalan semula masuk ke sektor operasi. Kali ni muka dia tak kusut macam tadi dah, sebaliknya ceria macam muka Lan kumpulan the typewriter.
 
"Mak gua dah jumpa.." - kelegaan jelas terpampang di bibir Apan.
 
Gua cepat cepat bersyukur:
 
"Alhamdulillah...Jumpa kat mana?",
 
Dan dengan penuh keceriaan, jujur, ikhlas, tawadduk serta wajah disinari warna warni rama rama yang tiada belas kasihan pada gua, Apan membalas padu:
 
 
"Dalam sinki penteri."
 
 
Gua terus tendang kompiter sampai bersepah atas lantai.
 
"Binawe!"
 
MUG la Apan..MUG..!!, pronunciation macam jahanam!
 
Sia sia gua berdebar. Pagi pagi sudah bikin hati membara.

Gula Bakal Berwajah Baru

udah macam kotak rokok plak... kikikiki

 

11 tricks to settle your credit card debt (if you have any)- From KCLau

Credit card debt is the most common consumer debt most people will
have trouble with. Since it is so dangerous to carry around a few
thousand ringgits when you do your shopping, credit card is the
perfect solution in terms of convenience and safety.

In other words, you are also bringing with you a
huge amount of money to spend.
If your credit limit is RM10,000 per card
and you have three credit cards,
it is like having RM30,000 spare money in your wallet
to let you spend instantly.

That's the reason why most people has trouble controlling their
spending habits. If you are one of the victims of this modern
financial creation, see if the below tricks are useful to you.

Earn More Money
---------------

It is not a bad thing to fall into debt. Look at the positive side,
it actually urges you and motivates you to earn more. Your current
income is simply not enough to cover your desired lifestyle or
needs.

Why I say "needs"? Some people own money not because they like to
spend a lot. For example, expensive medical fees demanded by
hospital when your old parent is hospitalized may be the cause of
maxing out your credit limit.

The most practical and encouraged solution: EARN MORE MONEY.
Take up a part time job.
Start a business!
Increase your productivity!
......

Just make more money. Period.


Turn Credit Card Debts into Term Loans
--------------------------------------

Call the banks to seek for alternative. Instead of keep paying the
not-so-affordable minimum payment, you can ask to turn the debt
into term loans with lower interest charges.


Shred the plastic
-----------------

To avoid using the card and keep on spending more, cut the credit
cards. When it is out of sight, it is out of mind.


Use Debit Cards
---------------

I know credit card gives you convenience and safety, especially at
petrol station. You can always replace it with debit cards.


Overdraft (OD)
--------------

If you have a property, such as your house, you can apply Overdraft
facility to settle your credit card debt. OD interest is lower.
Moreover, you can always pay it off earlier ,unlike term loan or
car loan.


"Relatives-financing"
---------------------


Be honest. Talk to your relatives and close friends. They will lend
you the money if it is not substantial. You can spread the amount
to several friends and relatives. Instead of paying 18% credit card
debt interest, you can pay them slightly higher interest compared
to Fixed Deposit rate.


Cut Expenses
------------

This is the obvious thing to do.


Pay more than the minimum payment required
------------------------------------------

This sounds simple. But most people won't realize that they had
increased the credit card debt until the day they can't even afford
the minimum payment.


Balance Transfer Program
------------------------

You can apply new cards that offer you low interest or
interest-free period when you transfer balance. Instead of paying
many small debts, consolidate them and only focus to settle one
debt.


Insurance policy loan
---------------------

If you have paid insurance premium for a few years, you can take
out policy loan to settle your high-interest-debts.


Seek help from AKPK
-------------------

AKPK is a debt counselling agency by the federal government to assist
you. They may be able to help you negotiate with the banks and
solve your problem earlier. Don't be shy to call them.

Do you realize that when you don't need money,
banks keep calling you to lend you more?
But when you desperately need the money,
they are somehow reluctant to hand you the cash.
This is the reality.

So, how do you settle your credit card debts?
Tell us your success stories. Or you can also warn us with a bad
example.

Tell use your story here at the comment section:

http://kclau.com/wealth-management/reduce-credit-card-debt/

--
Mohon Derma :
Rumah Anak Yatim At-Taqwa
Pertubuhan At Taqwa - Maybank 5580-7920-2536

Derma Masjid Bosnia
Wan Shohor Bani Bin Leman - Maybank 5140-6605-4194

Terima kasih.

Langkah Kedua Dalam Perancangan Kewangan

Langkah kedua yang sepatutnya ada dalam perancangan kewangan ialah perlindungan. Perlindungan disini bermaksud perlindungan insuran.

Ini bukan pula bermaksud bila kita ada perlindungan insuran, kita kebal dari sebarang bahaya. Perlindungan insuran bermaksud, sebarang masalah yang timbul, beban kewangan akan dialihkan kepada syarikat insuran.

Berhati-hati dalam menentukan jumlah prinsipal yang hendak diambik. Jangan terlalu kurang atau terlalu lebih.

Sebagai contoh, kalau kita mempunyai hutang sehingga RM100,000, buatlah insuran yang dapat cover kita untuk RM100,000. Jadi kalau apa-apa berlaku, insuran akan tolong bayarkan hutang yang tertunggak tu.

--
Mohon Derma :
Rumah Anak Yatim At-Taqwa
Pertubuhan At Taqwa - Maybank 5580-7920-2536

Derma Masjid Bosnia
Wan Shohor Bani Bin Leman - Maybank 5140-6605-4194

Terima kasih.