Tuesday, June 23, 2009

Have You Ever Experienced This???

Every day we meet new people and new experiences. Those people will become our friends in our lives..sooner or later. But some people want to be our friends with purposes. Some are good but some are bad.
I enjoyed times with most of my good friends. Who'll always be there when you need them but some will just get away from you..in other words, away from your miseries. Now, should we call that friends? Naaa!
Some will only get near you when you have money or when they need you to do them some 'favours'..hmmm...sounds familiar??? Well, join the club!
Therefore, those who are good friends to others. I think you have to remember this the next time you identify a friend to be :

"A friend in need is a friend to be avoided."
-Lord Samuel-

Monday, December 29, 2008

Salam Maal Hijrah 1430H


Just a short note to wish all of you a very fruitful holiday as today is 1 Muharram 1430H. Have a healthy & prosperous New Year!

With warmest regards,

Nur Fadhlina Ismail

Tuesday, September 30, 2008

Happy Eid Mubarak

Assalamualaikum and a very good day to all,

For ‘Hari Raya Aidilfitri’ is to foster and renew relationships through forgiveness, I’d like to wish Selamat Hari Raya and Maaf Zahir Batin to all Muslims out there and those non-muslims, Happy Holidays!!! May it be a wonderful one.

Those who are driving back for ‘balik kampung’, please be careful on the road. ‘Ingatlah orang yang tersayang’. There’s no need for a rush.

Everyone is busy preparing food and cookies, clothes, tidying up house, so on so fall. And I’m sure, there’re still those shopping for the last calls. Remember not to buy unnecessary things. We don’t want to turn bankrupt after ‘raya’, alright. We still have to survive and feed ourselves.

While we’re enjoying ourselves spending out, there are those out there begging for others’ sympathy just for the sake of a bowl of rice. So, think of this when you’re wasting your hard earned money!

And I am thinking hard, how on earth am I gonna find money to give away the ‘duit raya’!!!! ‘Coz I’m already bankrupt before the ‘raya’! Huwaaaaaaaa!!!!!!!!

Monday, September 29, 2008

A Bleak and Difficult Raya for Some Families

By : Yong Huey Jiun

KUALA LUMPUR: This year's Hari Raya Aidilfitri may have to be dubbed "Hard" Raya for many low- and middle-income Muslim families in the country.
Soaring prices have put a damper on festive spirits, as families already girded by tightened financial belts face the prospect of a very lean Aidilfitri.

For the family of Rohaya Mohd Radzi, for instance, this week's celebrations may be remembered for how unexceptional they will be.

For one thing, they will have to learn to go without anything new. Granted, they can't remember the last time they got anything new, but Hari Raya Aidilfitri will simply underscore how difficult things have become for them.

Although the rise in prices hit the family hard, Rohaya said she could still afford the basics, without worrying about what tomorrow would bring. But the situation had since worsened and reduced even that way of life to a bare minimum.
"I can't plan for the household in advance now. We just manage one day at a time," said the 42-year-old wife and mother of three.

Rohaya, who holds the family's purse strings, now has to hold two jobs -- she is a babysitter by day and seamstress by night -- to afford food and other necessities for the family.

But she barely scrapes by: the rent for her flat takes up more than half of her RM700 monthly income. Her 42-year-old husband, Shahwari Md Sharif, has difficulties holding on to a job for long.

"Even when he does bring money home, our combined monthly income has never surpassed RM1,600," she said.

The prevailing high prices have tested her ability to stretch every sen -- from recombining leftovers to sewing Raya clothes for her children herself.

On a recent evening, just 15 minutes before breaking fast, Rohaya went to the kitchen of her family's one-room flat to make lempeng pisang out of some bananas.

"One can't afford to waste at this time," she said.

Carefully pouring cooking oil into the frying pan as if each drop were the last, she heated the oil before putting in the banana dough she had kneaded hours earlier.

"I buy cooking oil in packets now, as I can't afford bottled cooking oil."

Later, her daughter returned home with some kuih-muih from the Ramadan bazaar. Together with the lempeng pisang, the simple meal was to be shared by four.

Occasionally, Rohaya's neighbour, Khatijah Hashim, brings over some leftovers from her food stall for breaking of fast. Khatijah and her husband operate a food stall at the Ramadan bazaar across from their flat.

But Khatijah, too, is facing hard times.

"It can get quite tiresome eating the food you cook and sell every day, so we used to eat out almost every day," said Khatijah's husband, Baharuddin Isa. "But high prices have forced us to buckle down and eat at home," he added.

Khatijah said the price of ikan kembung, for example, had jumped 12 per cent from just two weeks ago, and the cost of other staples such as eggs and cooking oil had also shot up.

In spite of this, the couple has only raised the price of the fish and chicken they sell by a small fraction, deciding to absorb the rising costs of other food items so as not to shock customers.

Nevertheless, their decision to raise prices has had an impact on the number of visitors to their stalls.

Last year, the couple sold four huge tubs of rice by mid-Ramadan, but they've sold only half of that this year, even as Raya looms. This suggests consumers are skimping on rice -- a commodity that has seen a surge in price since the beginning of this year.

"It also suggests to me that consumers are cooking at home," said Khatijah.

Because of the new eating-in trend, the couple, whose monthly household income totals RM4,000, expects profits to dip by 30 per cent from last year.

To compound the bleak outlook for this Raya, fewer people will balik kampung, due to the high price of petrol.

Rohaya's family will not be going back to their hometown in Kampung Gajah, Perak, while to save costs, Khatijah's family will travel back to Kuala Krai by train.

In spite of everything, the families are taking the hardship in their stride. "Even my 10-year-old son understands times are hard," said Rohaya.


Thursday, September 4, 2008

What Is Your Value?

Hi…yesterday I met a friend…he shared something that made me hard to sleep that night..And I feel like sharing it with you today.

We were discussing about Our Value VS Our Income.

For an executive with a salary of RM 2000 per month.
He works from 9 to 5 p.m, plus extra working hours – let’s say from 5 to 8 p.m if not 11!!! (without extra allowance!!!). That makes his working hours equal to 11 hours…

Meaning → 11 hours x 5.5 days x 4 weeks = 242 hours per month

Meaning → Your Monthly Salary / Your Monthly Working Hours
= RM 2000 / 242 hours
= RM 8.26 / hour

Meaning → Your are paid RM 90.86 / day

Mmmmmm….Is it worth???
Well, if you don’t like what you see, you have to do something about it…NOW!!!!

If You Want Things To Change, You Must Change First!

And It's Better Late Than Never...

Tuesday, August 19, 2008

Are YOU three feet from GOLD?

by Ann Seig

Let me tell you an interesting story.

Back in the 1800's, in the middle of the gold rush, a man named R.U.
Darby traveled west with his uncle to dig and grow wealthy.

They stopped in Colorado, and Darby's uncle staked a mining claim.
Both men worked tirelessly - from sun up until sun down - using
nothing but picks and shovels.

The work was back-breaking, however both were driven by a burning
desire to strike it rich!

Finally after much toil and struggle, Darby and his uncle discovered
what they had risked everything and traveled thousands of miles for...

Needing heavier machinery to bring the shiny ore to the surface, they
quietly covered up their find and went back home to Williamsburg,
Maryland to tell their family and a few friends what happened.

As you can imagine, everyone was thrilled to hear the news!

They all pitched in to buy the necessary equipment and had it shipped
back to Colorado.

As a result, the work went a lot faster, and their first load of ore
was mined and sent to the smelter - a factory where the metal was melted.

The money made from this confirmed they had stumbled upon one of the
richest gold mines in the state.

Darby and his uncle were overjoyed!

Just a couple more loads like this and they'd be completely out of
debt - scooping up nothing but pure profit.

Then something horrible happened.

The gold just vanished.

GONE. Nowhere to be found!

Both men frantically continued drilling, trying to rediscover the vein
that had supplied them with so much elation and hope.

However, this time their work didn't pay off - the vein had simply
dried up. (So they thought)

Discouraged and bitterly disappointed, they decided to give up and quit.

Before catching the train back home, his uncle sold all the expensive
mining equipment to a "junk man" for only a couple hundred dollars.

This junk man was smart.

He quickly hired an expert - a mining engineer, to find out for sure
if the vein had gone dry.

After some inspection and further calculations, the engineer said the
project had failed because the two men weren't familiar with the
mine's fault lines.

He predicted the vein of gold would be found three feet from where
R.U. Darby and his uncle stopped drilling!

And sure enough, that's exactly where it was discovered once again.


Anyone who sets out to achieve anything worthwhile in life will face
this situation at some point. Unaware of how close they are to success
- most will abandon all hope and quit, right before making it BIG.

Maybe you're at this point RIGHT NOW.

Maybe it seems like this dream of firing your boss, working from home
(or anywhere else you want), and calling your own shots is something
that only works for other people - not you.

Maybe you just lost your top distributor. The one you thought was
going to help fund your retirement.

Maybe the cost of your pay-per-click ads are going up because you're
being outbid by others.

Maybe your website just isn't converting visitors into leads the way
it was four months ago.

Whatever the case, remember this...

500 of the wealthiest people in America told Napoleon Hill (author of
"Think and Grow Rich") their BIGGEST success and achievements in life
came RIGHT AFTER they were completely overwhelmed by failure!

So anytime I experience what appears to be a major setback, or my
goals start to seem out of reach...

I always come back to Napoleon's book and remind myself of this fact:
"Failures" and "setbacks" are not actually failures. They're simply a
necessary step in the process of figuring out what works - and what

Or as ad-writer Ted Nicholas says, "There's no failures. There's only
tests and results."

To Your Success,
Ann Sieg

P.S. - The "junk man" made millions of dollars not because he kept
digging aimlessly like the Darbys... but because he stopped and got a
different perspective on the situation by seeking the advice of an
outside expert.

Are you digging aimlessly in your business?

Wednesday, August 13, 2008

Do You Need A Career Change??? (ii)

Your Dream Career Begins Here

Wish to have an unlimited income? Travel all over the world for free? Gain professional qualifications? Be your own boss? Known to others for great achievement and performance? PASSIVE INCOME?

The potential of the Takaful market
• Takaful Consultant as a career
• The income you can expect to earn
• Becoming a successful agent
• Rewards and recognition
• MAA Takaful’s commitment to your success

What You Can Look Forward To A Career in MAA Takaful :

We will lead you to becoming your own boss and opportunities to actually practice good values in your career. In MAA Takaful, you will be recognized, rewarded and achieve self satisfaction. Your commitment in providing financial advice and security will help our clients find comfort in the event of misfortunes. ALL IT TAKES IS FOR YOU TO TAKE THE FIRST STEP.

Becoming a Consultant of MAA TAKAFUL BHD

"Help one another in righteousness and piety but help not one another in sin and rancour. Fear God for God is strict in punishment"
(Al Ma idah 2)

Praise be to Allah, by His Grace, provided us this opportunity to serve Him. The Holy Prophet was reported to have said " A trustworthy, honest and truthful businessman will rise up with the martyrs on the day of resurrection" (reported by Ibn Majah)

  • Full Time or Part Time
  • Minimum 18 years of age
  • Passed MII PCE and CEILLI (if required) / Related courses recognize by MAA Takaful Bhd
  • Passed Takaful Basic Examination (TBE)*
  • Minimum Academic Level : SPM
  • Career Path
  • To register and sit for the examinations, please send your resume through email.

*No TBE required if you register before 31st August 2008.

Important Details Needed:


I.C No

Contact Address

Contact No.

Email Address

Highest Education Level

Experience in Takaful or Conventional Insurance:

Do you have MII PCE Certificate? Yes / No


For further details or other enquiries,call: