Sunday 20 November 2011

Graduate's Dilemma: Riba' Loan

















Summary:

1. Buy a car or a motorbike with monthly installment will result in paying Riba’.

2. Staying with your parents, and commute public transport is the best way not paying Riba’ while having less expenditure

3. Renting a place to stay with friends and buy a car is the highest possible expenditure one will face.
Will result in paying Riba’, and monthly saving is about RM200 only.

4. Some may opt for buy a car (to be used for ‘balik kampung’ and or weekend activities), and buy a motorbike
(daily commute to work). This will result in paying Riba’ as well.

Minimum Expenditure Staying with Parents= RM680;
Total Savings per month= RM2000 – RM680 = RM1320
Annual savings = RM15,840

Minimum Expenditure Staying with friends / Rend a room = RM1160;
Total Savings per month = RM2000 – RM1160 = RM840
Annual savings = RM10,080


Proposed strategy: For Boys

First 6 months to 1 year, commute public transport. Then, if deemed necessary,
buy a motorbike (~RM5,000) with cash.

Annual increment and bonus can be used for other expenses like upgrade hand phone,
laptop, pay back PTPTN, holiday, etc.

Depending either staying with parents or renting a room, minimum saving after 4 years will be RM40,000.
This amount can be used to buy a new car.

I would recommend not to buy a house / apartment in your early career days. Why:

1. monthly payment will be about RM700; this is a Riba’ loan

2. downpayment, lawyer fees, etc, and renovation cost will be about RM60,000.
Some will opt for loan for this as well. Riba’ loan again.

3. no flexibility to venture new job opportunities; far from house, or even another state

4. need to align with your wife’s working place; can easily move to another rental house /apartment
convenient for both of you

Get married only after you’ve bought a car with cash. Remember, this is the most killer expenditure!.
Don’t look for status, rather look for maintainability and practicality.
Proton Saga worth RM40k, and this is sufficient if you want to buy a new car – big space, less fuel consumption.
To buy a second hand car has its own pro and cons.

After marriage, I would recommend that to stay in a rental house / apartment (maximum RM600 a month) until
you have enough cash to buy your dream house with cash.
There is no problem / shame staying in a rental house / apartment.
In Europe, only rich and retired people own a house, the young ones normally will only rent.

With monthly saving of RM1300, After 10 years of your married life, your bank balance alone will be about RM150k.
If your wife is working as well, easily you can afford to buy a house by then.

Be patient, and make your strategy. There is no short cut for success.
Always prepare yourself, avoid taking Riba' loan by any case, and when opportunity knock your door,
you are then ready to take up the challenges, insya'Allah.


Proposed strategy: For Girls

Don't look for a partner that is graduating the same time as you!.
Considering the explanation above, you can make a strategy that your partner is someone that graduated
3-4 years before you, and already bought a car with cash. Smart move is not it?

Immediately after graduation, get married. Then, discuss with your husband about your intention about your career;
whether you prefer to work, or become house wife.
You can now discuss with your husband about renting house / apartment in which area.
Also, if he decide to go oversea to work, you can easily follow him as well.


Monday 15 August 2011

Saving on Energy Costs























Lighting

- It is perhaps the easiest to save electricity here. Simply replace all your light bulbs with compact fluorescent
lights (CFL) and you would save 70% from your daily energy usage.

- CFL may be more expensive than ordinary bulbs but they are worth the investment as they last over 10 times
longer and use up to four times less energy.

- Turn off the lights every time you leave a room.

- During the day, use as much natural lighting as you can by drawing open the blinds or curtains.

- You can even install a skylight to get more light in!

- To save on electricity use for outside security lighting at night, install a motion sensor to automatically shut off
the lights after a set period.


Ironing

- Iron only the clothes you really need to iron. Don't bother ironing underwear or handkerchiefs.

- Try to buy clothes made from “iron-free” or “wrinkle-free” materials.

- Hang your clothes quickly after washing; don't let them sit in the dryer.

- Do all of your ironing in one session.

- Switch off the iron if you need to go somewhere in the middle of your ironing.


Air conditioner

- Set the air-conditioner at the highest temperatures that you are comfortable with to preserve as much power
as you can.

- Get a timer and set it to turn off about the time when you leave for the day and to turn back on when you get home.

- Ensure all doors and windows are closed when the AC is on.

- Do not block the air vent and condenser.

- Install shades, awning and drapes to keep your room and house cool.

- Better still, use ceiling fans instead of air-conditioning to keep cool.


Fridge and Freezer

- Put your fridge somewhere away from direct sunlight, the cooker and oven.

- Vacuum clean the condenser coils at the back or underneath your fridge/ freezer regularly because accumulated
dust reduces their efficiency by up to 25%, adding the cost to your electricity bill.

- Defrost your fridge and freezer regularly. An iced-up freezer will make the freezer work harder, therefore using
more energy than needed.

- Don't put warm or hot food into the fridge. It will use more energy to cool the food down.

- Keep liquids covered when putting them in the fridge. Evaporation of uncovered liquids will make the fridge use
more electricity.

- Defrost frozen food in the fridge; this helps to cool it.


Washer and dryer

- Only use the machine when there is a full load.

- Set the water temperature low before you start washing. The washing machine uses the biggest chunk of energy
between 85% and 90% - just to heat up the water for the washes.

- Hang your clothes out to dry rather than use the tumble dryer when the weather is favorable.


Other electrical devices

- Do not leave your electrical devices on standby when not using them. This is actually a waste of energy. Appliances
left on standby use up to 85% of the energy they would use if fully switched on.

- Always unplug and switch off the main power when not using your electrical devices.


Cooker and microwave

- When cooking, always use the correct size pan or pot so no extra energy is used to heat the excess.

- Cook many items at the same time when your electric cooker or oven is hot.

- To reheat food or to cook small portions, use a microwave. Although a microwave uses a lot of power, it does so
over a very short time and so saves energy overall.


Sunday 15 May 2011

Best Management Lesson

Former President of India APJ Abdul Kalam at Wharton India Economic forum, Philadelphia, March 22, 2008

Question: Could you give an example, from your own experience, of how leaders should manage failure?

APJ Abdul Kalam: Let me tell you about my experience. In 1973 I became the project director of India's satellite
launch vehicle program, commonly called the SLV-3. Our goal was to put India's 'Rohini' satellite into orbit by 1980.

I was given funds and human resources - but was told clearly that by1980 we had to launch the satellite into space.
Thousands of people worked together in scientific and technical teams towards that goal.

By 1979 - I think the month was August - we thought we were ready. As the project director, I went to the control
center for the launch. At four minutes before the satellite launch, the computer began to go through the checklist
of items that needed to be checked. One minute later, the computer program put the launch on hold; the display
showed that some control components were not in order. My experts - I had four or five of them with me - told me
not to worry; they had done their calculations and there was enough reserve fuel.

So I bypassed the computer, switched to manual mode, and launched the rocket. In the first stage, everything
worked fine. In the second stage, a problem developed. Instead of the satellite going into orbit, the whole rocket
system plunged into the Bay of Bengal. It was a big failure.

That day, the chairman of the Indian Space Research Organization, Prof. Dhawan, had called a press conference.
The satellite launch was at 7:00 am, and the press conference - where journalists from around the world were
present - was at 7:45 am at ISRO's satellite launch range in Sriharikota [in Andhra Pradesh in southern India].

Prof. Dhawan, the leader of the organization, conducted the press conference himself. He took responsibility for
the failure - he said that the team had worked very hard, but that it needed more technological support.
He assured the media that in another year, the team would definitely succeed. Now, I was the project director,
and it was my failure, but instead, he took responsibility for the failure as chairman of the organization.

The next year, in July 1980, we tried again to launch the satellite - and this time we succeeded. The whole nation
was jubilant. Again, there was a press conference. Prof. Dhawan called me aside and told me, 'You conduct the
press conference today.'

I learned a very important lesson that day. The best management lesson I have learned did not come to me from
reading a book; it came from that experience.

When failure occurred, the leader of the organization owned that failure.
When success came, he gave it to his team.


Friday 13 May 2011

Forgive Me When I Whine

Artist: Ahmed Bukhatir
Album: Da'ani
Title: Forgive Me When I Whine


Today, upon a bus,
I saw a girl with golden hair.
And wished I was as fair.
When suddenly she rose to leave,
I saw her hobble down the aisle.
She had one leg and wore a crutch.
But as she passed, she smiled.
Oh God, forgive me when I whine.
I have two legs the world is mine.

With feet to take me where I `d go.
With eyes to see the sunset's glow.
With ears to hear what I'd know.
Oh God, forgive me when I whine.
I have blessed indeed, the world is mine.

I stopped to buy some candy.
The lad who sold it had such charm.
I talked with him, he seemed so glad.
If I were late, it `d do no harm.
And as I left, he said to me,
"I thank you, you've been so kind.
You see," he said, "I `m blind"
Oh God, forgive me when I whine.
I have two eyes the world is mine.

With feet to take me where I `d go.
With eyes to see the sunset's glow.
With ears to hear what I'd know.
Oh God, forgive me when I whine.
I have blessed indeed, the world is mine.

I saw a child with eyes of blue.
He stood and watched the others play.
He did not know what to do.
I stopped a moment and then I said,
"Why don't you join the others, dear?"
He looked ahead without a word.
And then I knew. He couldn't hear.
Oh God, forgive me when I whine.
I have two ears the world is mine.

With feet to take me where I `d go.
With eyes to see the sunset's glow.
With ears to hear what I'd know.
Oh God, forgive me when I whine.
I have blessed indeed, the world is mine




Friday 15 April 2011

Scientific Reason for Islamic Method of Slaughtering Animals

Al Shaddad Bin Aous has quoted this tradition of the Holy Prophet (P.B.U.H.) "God calls for mercy in everything,
so be merciful when you kill and when you slaughter, sharpen your blade to relieve its pain".

Many allegations have been made that Islamic slaughter is not humane to animals. However, Professor Schultz
and his colleague Dr. Hazim of the Hanover University, Germany, proved through an experiment, using an
electroencephalograph (EEG) and electrocardiogram (ECG) that *Islamic slaughter is THE humane method of
slaughter* and captive bolt stunning, practiced by the Western method, causes severe pain to the animal.
The results surprised many.

Experimental Details:

1. Several electrodes were surgically implanted at various points of the skull of all animals, touching the
surface of the brain.

2. The animals were allowed to recover for several weeks.

3. Some animals were slaughtered by making a swift, deep incision with a sharp knife on the neck cutting the
jugular veins and carotid Arteries of both sides; as also the trachea and esophagus Halal Method.

4. Some animals were stunned using a captive bolt pistol humane slaughter by the western method.

5. During the experiment, EEG and ECG were recorded on all animals to record the condition of the brain and
heart during the course of slaughter and stunning.

Results and Discussion:

I - Halal Method

1. The first three seconds from the time of Islamic slaughter as recorded on the EEG did not show any change
from the graph before slaughter, thus indicating that the animal did not feel any pain during or immediately after
the incision.

2. For the following 3 seconds, the EEG recorded a condition of deep sleep - unconsciousness. This is due to a
large quantity of blood gushing out from the body.

3. After the above mentioned 6 seconds, the EEG recorded zero level, showing no feeling of pain at all.

4. As the brain message (EEG) dropped to zero level, the heart was still pounding and the body convulsing
vigorously (a reflex action of the spinal cord) driving maximum blood from the body: resulting in hygienic meat
for the consumer.


II - Western method by C.B.P. Stunning

1. The animals were apparently unconscious soon after stunning.

2. EEG showed severe pain immediately after stunning.

3. The hearts of the animal stunned by C.B.P. stopped beating earlier as compared to those of the animals
slaughtered according to the Halal method resulting in the retention of more blood inthe meat. This in turn is
unhygienic for the consumer.

(Many thanks to Muslim Students Organization - University of Miami)


Tuesday 15 March 2011

Kindness and Compassion

A few years ago, at the Seattle Special Olympics, nine contestants, all physically or mentally disabled, assembled
at the starting line for the 100-yard dash.

At the gun, they all started out, not exactly in a dash, but with a relish to run the race to the finish and win.
All, that is, except one little boy who stumbled on the asphalt, tumbled over a couple of times, and began to cry.
The other eight heard the boy cry. They slowed down and looked back. Then they all turned around and went
back.....every one of them.

One girl with Down's syndrome bent down and kissed him and said, "This will make it better." Then all nine linked
arms and walked together to the finish line. Everyone in the stadium stood, and the cheering went on for several
minutes. People who were there are still telling the story.

Why?

Because deep down we know this one thing: What matters in this life is more than winning for ourselves.
What matters in this life is helping others win, even if it means slowing down and changing our course.

Moral: One of the most difficult things to give away is kindness; but it usually comes back to you.


Sunday 20 February 2011

What is AlMaghrib Institute? - The Structure

The Two-Weekend Structure

The two-weekend AlMaghrib Institute structure is our way of thinking outside the box. Can Islam be taught in an
eight-week summer program or in a two-hour halaqah on Sundays? Our communities concede that this can be
done. Then why can't those same hours be put into a two weekend intensive format, with high quality instruction
and material for maximum benefit? This is what AlMaghrib Institute seeks to do.

In the past, people would come to Rasulullah (p.b.u.h.), spend a short time with him and with the companions,
then return to their people, successfully bringing, not just a few people, but their entire nation into the fold of Islam.
It was their sincerity, their strong minds, and their strong wills that allowed for this change to take place, with the
grace of Allah. These are the qualities that AlMaghrib Institute seeks to resurrect in its students – sincerity, strong
minds, and strong wills.


Material

Experience has shown us that most Muslim students prefer a course taught from a variety of Islamic books and
not just one source. Thus, most seminars will be based on a number of classical works instead of just one text.
For example, in the first Tafsir seminar, the information will be gathered from At-Tabari, Ibn Kathir, Al-Qurtubi, as
well as others.


On Location

An additional feature of AlMaghrib Institute is that it is not confined to a specific building or a particular locality. Although AlMaghrib Institute's main headquarters is in Houston, Texas, AlMaghrib seminars are offered in
Universities and Islamic centers across the United States, Canada, the UK and Malaysia. Presently, AlMaghrib
Institute seminars are offered in nineteen U.S. locations, ten in Canada, five in the UK, and one in Malaysia.




Saturday 1 January 2011

7 Mukaththiroon (Prolific Narrators of Hadith)

Mukaththiroon (i.e., those who narrated more than a thousand hadiths)

Abu Hurairah
Abu Hurairah stands at the top of the list of Hadith transmitters. This is because of the sheer bulk of his narrations.
He was regarded by the Prophet himself as the most eager, among all Muslims, to acquire the knowledge of Hadith.

Belonging to the tribe of Daws, an offshoot of the great clan of Azd, Abu Hurairah came to Madinah in the seventh
year of the Hijrah (the Prophet's migration to Madinah). On being told that the Prophet was in Khaybar, he went
there and accepted Islam. Since that time and until the death of the Prophet, Abu Hurairah constantly remained
in the company of the Prophet, attending him and memorizing his words during the day, thereby sacrificing all
worldly pursuits and pleasures.

We are told that Abu Hurairah would divide his nights into three parts: one for sleeping, one for praying, and one
for studying. After the death of the Prophet, he was appointed governor of Bahrain for a while during the caliphate
of `Umar ibn Al-Khattab. He also acted as governor of Madinah under the early Umayyad caliphs. He died in
AH 59 (678 CE).

When the Prophet died, information about religion and jurisprudential judgments had to be sought indirectly. At that
time, Abu Hurairah (who instructed more than 800 students in Hadith) poured out the store of knowledge he had
so meticulously accumulated. At times he was taken to task for reporting certain hadiths unknown to other
Companions. But he would reply that he had simply learned what the Ansar (Muslims of Madinah) had missed
because they had been attending to their lands and properties, and what the Muhajirun (Immigrants to Madinah)
had failed to learn because of their commercial activities.

Once he was taken to task by `Abdullah ibn `Umar for relating a particular hadith, so Abu Hurairah took him to
`A'ishah, who bore witness to the truth of what Abu Hurairah had related. His knowledge and memory were also
tested by Marwan ibn Al-Hakam, the then governor of Madinah. Having written down some hadiths related by Abu
Hurairah, Ibn Al-Hakam wanted him to relate the same after a year. He found them to be exactly identical to Abu
Hurairah's earlier narration.

When one considers Abu Hurairah's intense dedication to learning Hadith, his devotion to the Prophet, and the
various tests applied to his memory and scholarship by his contemporaries, one finds it inconceivable that he
would have fabricated any hadith. This does not mean, however, that some material was not falsely imputed to
him at a later time. The fact that he narrated a uniquely large number of hadiths did make inventing hadiths in
his name an attractive proposition.



`Abdullah ibn `Umar
The son of Caliph `Umar ibn Al-Khattab, Ibn `Umar is the second most prolific narrator of Hadith. He and his father
had simultaneously accepted Islam, and they immigrated to Madinah together. Ibn `Umar took part in many battles
during the Prophet's lifetime; he also took part in the wars in Mesopotamia, Persia, and Egypt. However, he
maintained strict neutrality in the conflicts that erupted among the Muslims following the assassination of the third
caliph, `Uthman ibn `Affan.

Despite the immense esteem and honor in which he was held by all Muslims, who repeatedly asked him to become
caliph (an offer which he refused), he kept himself aloof from factional strife. Throughout those years, he led an
unselfish, pious life, setting an example of an ideal citizen, just as his father had set an example of an ideal ruler.
He died in Makkah in the year AH 74 (692 CE) at the age of 87.

`Abdullah's long association with the Prophet and his kinship with the Prophet's wife Hafsah and with certain other
Companions offered him a superb opportunity to learn Hadith. His long, peaceful life gave him time and leisure
enough to teach and spread the hadiths he had learned among the Muslims who assiduously sought them.

He was renowned for the extreme scrupulousness with which he related hadiths. Ash-Sha`bi, the famous Hadith
narrator, remarks that he did not hear a single hadith from him for a whole year. When Ibn `Umar related hadiths,
his eyes would be filled with tears. His activities in the service of Islam, his austere life, his straightforward and
honest character, and his careful treatment of the hadiths render the material we have from him of the highest value.



Anas ibn Malik
At the age of 10, Anas was presented by his mother, Umm Sulaym, to the Prophet following the Hijrah. From that
time and until the Prophet's death, Anas was the Prophet's favorite attendant, and afterward he was appointed by
Abu Bakr As-Siddiq as a tax collector in Bahrain. Toward the end of his life, Anas settled in Basra, where he died
in 93 AH (711 CE). He is said to have lived more than a hundred years.

During the 10 years he spent in the Prophet's service, he was able to memorize a large number of his words. Later,
he also learned a good deal of the Prophet's hadiths from Abu Bakr As-Siddiq, `Umar ibn Al-Khattab, and many other
Companions. His knowledge of Hadith was so copious that his death was regarded as a deathblow to half of the
entire mass of hadiths. Scholars of Hadith accept him as one of the most prolific narrators of Hadith.



Mother of the Believers `A'ishah
`A'ishah occupies the fourth place among the mukaththiroon. She enjoyed the constant company of the Prophet for
about eight years and a half. She died in 57 AH (676 CE) at the age of 65.

`A'ishah was naturally endowed with a retentive memory and a developed critical faculty that enabled her to memorize
a large number of ancient Arab poems, for which she was a recognized reference. During her lifetime, she was also
esteemed for her expertise in medicine and Islamic law.

Regarding Hadith, not only did she learn a large volume of hadiths from her husband but also she showed critical
appreciation of them and corrected many Companions' mistakes in understanding. When, for instance, Ibn `Umar
related that the Prophet had said that the dead are punished in their graves on account of the wailing of their relatives,
she pointed out that the Prophet had said that while the dead are punished in their graves for their sins, their relatives
weep for them.

It was on account of her extensive knowledge of Hadith and Islamic law that even the most important Companions
sought her advice on jurisprudential problems. A long list of those who related Hadith on her authority may be found
in Ibn Hajar's book Tahtheeb At-Tahtheeb.



`Abdullah ibn `Abbas
He was born three years before the Prophet's Hijrah and was thirteen years old at the time of the Prophet's death.
He was greatly loved by the Prophet, as is apparent from the hadiths that concern him. He died in AH 68 (687 CE)
at the age of 71.

It appears that despite his youth he learned a few hadiths directly from the Prophet. Ibn Hajar refers (quoting Yahya
ibn Al-Qattan) to the assertion that Ibn `Abbas related only four to ten hadiths from the Prophet, and adds that this
estimate is incorrect because the authentic books of Al-Bukhari and Muslim alone contain more than ten hadiths
related by Ibn `Abbas directly from the Prophet.

There is, however, no doubt that the number of hadiths related by Ibn `Abbas directly from the Prophet is very small
in comparison with what he related via some Companions. He learned these hadiths through years of hard labor. He
remarked, "Whenever I expected to learn any hadith from a Companion, I would go to his door and wait there until he
came out and said, 'O cousin of the Prophet, what brings you here? Why did you not send for me?' And I would reply
that it was only proper that I go to him. Then I learn the hadith from him."

Ibn `Abbas was held in universal awe for his intellectual powers and capacity for memorization. He was entirely
devoted to the study of the Qur'an and the Sunnah, and was loved and respected for his scholarship by all the first
four caliphs, as well as his contemporaries. He collected a large body of hadiths, which he wrote down in books.
He delivered lectures on them to his disciples. His tafseer (exegesis) of the Qur'an (which was handed down by his
student Mujahid) is well known. It has been referred to by numerous later commentators.



Jabir ibn `Abdullah
This Companion is one of the early converts to Islam in Madinah. He was present in Makkah at the second meeting
of the Prophet and the first group of Muslims of Madinah .He took part in 19 battles in the Prophet's company, and
died in Madinah in ca. AH 74 (693 CE) at the age of 94.

Not only did he learn hadiths from the Prophet but also he learned hadiths from many of the Prophet's important
Companions, including Abu Bakr, `Umar, and others. He also studied under some of the Tabi`in (first generation
after the Prophet), including the famous Umm Kulthum, the daughter of Abu Bakr. He used to teach Hadith regularly
in the mosque in Madinah.



Abu Sa`id Al-Khudri
His name is Sa`d ibn Malik, and he is another early convert of Madinah. His father was killed during the Battle of
Uhud. He, himself, took part in 12 of the battles fought during the Prophet's lifetime. He died in Madinah in AH 64
(683 CE).

Like Abu Hurairah, he was one of Ahl-us-Suffah — those people who lived on the porch of the Prophet's dwelling by
the mosque in order to dedicate themselves to an austere life of Prayer and learning. He learned the Sunnah from
the Prophet, as well as from his important Companions, such as Abu Bakr, `Umar, and Zayd ibn Thabit. He was
considered the best jurist among the young Companions.


- source from islamonline.net