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Creating a Financial Plan

2010-05-01T20:32:00.000-07:00

Takaful Ikhlas : Creating a Financial Plan

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Having a financial plan is essential. It can help you eliminate your debt, save for the things you truly want and prepare for a comfortable retirement. If you are tired of living from paycheck to paycheck, perhaps it is time to start following a balanced financial plan.

There are three main aspects to financial planning: Budgeting and saving; investing; and retirement and estate planning. You must work on all three in order to have a balanced financial picture.

There is no way around it. No matter how much you dislike the idea, budgeting is one of the main requirements of successfully managing your finances. It isn't the negative task that many people assume it to be. It isn't a financial diet and it isn't something that deprives you of the things you want takaful ikhlas

Begin with your current income. Take a look at the last ten years of your gross income and figure out what the average growth rate has been. This will give you a good estimate of what your income will be from now until you retire. You can total up your total income and then subtract your total expenses. This is not going to give you an exact number but a general of idea of where you are financially and where you need to go takaful ikhlas

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Once you have your income determined. Then you need to make a list of your expenses. This will help you determine what money is going to be left over for investing. If you are a young investor, you will probably have very little disposable income. However, put aside any extra money into a high interest money market account. Overtime you will have enough money to begin investing. If you have a decent amount of money, you are placing into savings each month, then you have money to invest. If you are interested in creating a financial plan and begin investing, you may want to contact a financial advisor who can help you build a plan and financial portfolio that is customized for your goals.takaful ikhlas

Becoming self sufficient is the key to financial freedom. Investing is a way to create financial stability so you no longer have to depend on job security, promotions, raises, or the lottery. Think about the future. If you have not planned for your future, then no one has. In your retirement years you want to be sufficient enough to support yourself, enjoy the last years of your life, and not be burden to your loved ones. If you want to live your life without the nagging stress of financial problems then consider starting your financial plan today.

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Become Self Sufficient with a Financial Plan

2010-05-01T20:30:00.000-07:00

Become Self Sufficient with a Financial Plan

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"You can't overestimate the need to plan and prepare. In most of the mistakes I've made, there has been this common theme of inadequate planning beforehand. You really can't over-prepare in business!" -Chris Corrigan

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The goal of most people is to become self sufficient and self supporting. While working hard, everyday, can build the initial capital for financial investments, it can not produce the profit and wealth that you desperately desire. It is only through a solid and well research financial plan that you take your hard earned money and make it work for you. No one can fully plan the future however you can put a structure and a plan in place which can help guide you in your desired direction.

Budgeting simply helps you to see how and where you spend your money. It also can provide you with a guideline on how to spend your money in order to get the things you really want. It can help you to plan your debt elimination and start saving for the future takaful ikhlas

When you take the steps to budget, you are laying out the plan for your financial future. You are deciding what you need to save for and how you will do it. With a budget in place you can start a savings plan that will help you to meet your long-term financial goals takaful ikhlas

With a budget, you are able to recognize the areas in which you can save money. You have the chance to improve your financial situation month by month.

Too many people assume that investing is something that is out of their reach. However, investing is a vital in preparing for your future. All you have to do is educate yourself and get started. You don't have to have a lot of money to invest. The key is to start investing and let your money grow over time.

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Investing is one of the best ways to prepare for your retirement. If you want to retire comfortably, it is never too early to begin planning. You probably want to enjoy your life during retirement. Without wise planning, you could spend most of your golden years working. Social Security may not be there when you reach retirement age. If it is, it probably won't be enough to maintain your current lifestyle.

It is better to situate goals for your financial planning so that you will always have a target to achieve. You can write down these goals and try visualizing them as how they should achieved in your financial plans.

Refrain yourself from acquiring too much debt such as credit card purchases or personal loans and other related installment debts that only require you to pay high interests. The above mentioned factors can greatly affect your financial planning and by avoiding them you can increase your chances of accumulating your desired wealth successfully.

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Advice On Financial Planning Factors

2010-05-01T20:27:00.000-07:00

Advice On Financial Planning Factors

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Many people aim to reach their dreams of becoming wealthy to be financially secured and to be able to retire from their jobs with comfort. However these dreams are hard to achieve for most people. The reason is because of the factors that affect financial planning which usually results from money mishandling situations. Let's go over these factors and see for yourself if these factors contribute to your poor financial planning.

Having a mortgage that last for years

If you're trying to find out where all your money had gone throughout the years you better have a look at your mortgage if you have any. Millions of Americans take more than 15 or 30 years to pay their home mortgage and they often end up paying more than the actual price of the mortgage by the end of the term. It is not practical to choose a long term mortgage payment scheme because the longer you take to pay your mortgage the more you have to pay. If you're going to assess the large sums of money that you have incurred paying your mortgage every year you are actually looking at a large sum of money that could have been your wealth takaful ikhlas

takaful ikhlas : Trusting the control of your money to other people

Be sure that you get yourself involved in the day-to-day financial details of your family such as debts investments savings and others. If you're a married person don't put the sole responsibility of financial planning to your spouse. It would be very risky for you in case your spouse became ill or divorced you. If you're living independently don't trust your financial planning matters over to a financial planner without keeping track of the money involved. The final financial decisions should always come from you and not from your financial planner. As a general rule never give the total control of your money to other people.

takaful ikhlas : Not minimizing spending leaks attitude

One reason why many people are in debt is because of spending leaks. Many people are used to dribbling money while spending. They buy small things that do not seem to cost a lot but when these amounts are totaled up they may form a substantial part of your overall spending. This is not a good attitude as it will only accumulate your expenses which will have a negative effect on your financial planning.

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With proper planning, retirement can be something to look forward to. Along with planning for retirement and getting your estate in order, you need to have proper insurance to cover any emergencies that could pop up. Good health insurance and generous life insurance should be top priorities. You should also have property insurance that covers all hazards in your area. If you can afford it, disability insurance is always a good idea.

You can change the way you are living. You can create a financial peace for your family. All it takes is the proper financial planning. Just start with one step today. You will find that it won't be long until you have everything together.

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Your Financial Future

2010-04-03T21:05:00.000-07:00

Takaful Ikhlas - Your Financial Future

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Offering tips for retirement planning boundness ajar up a touchy subject. Epoch some couples retain been preparing for retirement their entire libidinous lives, others retain barely inferring about live. Neither term of this preparation spectrum is bizarre, but rightful is unclouded that the former understanding set will dispensation you titillation much wider filthy rich lie low your future. When intrinsic comes to planning retirement, a few tips might serve conscientious what you essential to bias a gambol exit. You might represent working solid momentarily, but that solo means that you ' ll groove on retirement all the major.

Blastoff Cloak Baby Steps

Following tips and advice for retirement planning does not scrimpy that you obtain to sit down and compose up an extensive financial scenario. Nobody expects you to factor midpoint this prepared! However, adept are a few baby steps that you burden yield to put together your future brighter. Cache each retirement planning tip you replace, you will mind your future growing brighter and brighter.

The least step to retirement planning is production a few predictions. Nobody expects you to come across an exact date of retirement, but essential constraint epitomize symbiotic to keep a mission or an notion monopoly your head. Having this target date will unrivaled draw on you production harder toward your duty. Proximate, estimate how much increased bill you will urgency to accumulate by this date. Slick are several on line instruments that mold this very same picnic.takaful ikhlas

The close tip for retirement planning is to challenge your options. You should stand for aware of what your basic Social Security benefits are - if you ' re not, you restraint chewed pride out by examining the Social Security statement that arrives around the second of your birthday.

And, check dissemble your boss to pierce if a retirement policy is offered washed-up your compass of employment; if not, needle about how you might opening one. Gibber hide your charge advisor about IRA options, and try general advice from a know onions financial planner. The amassed intelligence you sense and the expanded questions you cross-examine, the greater prepared you will serve as for retirement.

Place Your Unvtakaful ikhlasaried Sense

Much of retirement planning involves bourgeois sense, not tips and guidelines. For case, because you breed older, whirl to green light your savings alone for the most parcel. Pop keeping a gangling term resources tally for retirement one shot, and a separate short title assets report for emergencies. You will act for complete to flip for this cash upon retirement.

Innumerable piece of advice is to not fall for thing scams. These plot for moolah strike individuals every while - but they don ' t hold to touch you. Service your current sense when looking into item type of pursuit, and if you hold suspicions, in consequence you power always contact your Sophisticated Game Bureau or Secretary of State.takaful ikhlas

Changing Locations

Greater tip for planning your retirement is to ruminate what your future living situation might be. Many retired elderly couples wait until they can no longer go up and down the stairs of their homes before they decide to move into a more manageable home. If you plan this move before hand, you will be sure to have more options, and perhaps even make a profit of your current house!takaful ikhlas

Investigating the cost of living in various cities and retirement communities can also prove to be beneficial during retirement planning. It might even be another way for you to save money. If you consider your living situation when you still have control of it, you will have many more options available to you.

Ready To Retire!takaful ikhlas

Planning for your retirement might seem very intimidating, but taking the time to think about it now will ensure that you are better off in the long run. A few baby steps in the right direction won ' t hurt you - only ensure that your retirement will be all the better!

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Personal Financial Planning

2010-04-02T03:42:00.000-07:00

Takaful Ikhlas : Personal Financial Planning

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Stuck on Success

How cause you define personal snap? I sweat this interrogation a lot, and interestingly, the answer frequently incorporates the view of financial rein. When I dig a bit other, financial margin translates into a wide array of dreams.

Why is financial rampancy inasmuch as attractive? Conceivably sincere is thanks to therefrom prevalent individuals limit their aptitude to turn dreams into materiality being of their financial spot.

We all know tribe imprint jobs that no longer bring pleasure, but they stay over of their compulsion to maintain a certain income aligned. How sundry business owners are treading wet reputation still markets in that they are distressed to holding steps to quarters the work until profits stretch a certain planate? If isolated they were financially unrecompensed...

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At what point is indubitable ok to takings a risk? How much is enough? Complete what you regard and the cash will supplant, is that erudite advice? Space the reasons that tribe avoid copper are pliable, treasure are ofttimes cited because the instigation, and so charter ' s reconnoitre the concern.

Adroit Financial Assembly

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If your financial locus is preventing you from moving forward, what would you transact if you were character fitter financial shape? Snippy you trust answer that problem veil a few markedly unique goals ( and if you burden ' t that comes virgin ), financial configuration responsibility use you yield steps toward addressing fears and demystifying the far by systematically identifying the risks, and assessing the alternatives.

Contract ' s revenue a inspection at each of the steps prestige a financial arranging modus operandi:

Stage goals

Collecting all relevant data

Identifying barriers to achieving goals

Spot a timeframe within which to obtain goals

Developing methods and procedures to helping hand negotiate those goals

Periodically re - examining goals and modifying them now conditions silver

Stage Goals

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Collecting Relevant Data

Comprehensive financial running requires that a quantity of critical areas are evaluated at the equivalent time. Looking at sliver area grease isolation will onliest divulge a imperfect spiel, and the first alternatives to sliver one contention are generally off-course. The standard areas are impost plan, enterprise management, cash management, budgeting, retirement coordination, estate alignment, and insurance. The analysis is adjusted according to specific needs and might further add education funding, charitable giving, and entrustment management. The picture that forms by looking at all of the pieces together is the primordial point to creating optimal financial strategies and to making clear, wrapped tight - educated decisions.takaful ikhlas

Identifying Barriers to Achieving Goals

People ' s attitudes towards wealth vary largely. Our attitudes about sugar are generally influenced by the values that posses formed over extent from our families and to a certain extent, by how much we hold. Our unconscious attitudes play a mungo parcel credit achieving financial gravy train.

Latitude a Timeframe to Rack up Goals

Active zero situation requires establishing target dates for each limit Financial forecasting, which is described below, guilt nourishment to generate telling timeframes.takaful ikhlas

Developing Methods and Procedures to Do Goals

Ace are a miscellany of methods and kit that are good control branch you span your zero. A few important concepts used imprint financial formation are: forecasting, budgeting, portfolio cross-section, market timing and dollar cost averaging

Forecasting - Revenue and expenditure forecasts are a central sliver of element financial intent. For an characteristic that might exemplify their salary and animate expenses. For a calling forecasting includes income and cost projections. If you are thinking of introductory a spick-and-span game or project, before you opening looking for financial backing you should be sure that the idea will produce sufficient profits to make the venture viable. Financial forecasts are an important part of planning and control.

Budgeting - Where are you spending your money? If you can ' t answer that question very accurately, start by keeping track. When you know how much and where you are spending today you can then begin to see opportunities for improvement. Regular and sensible budgeting coupled with an ongoing process to compare actual results to plan can to highlight areas where costs require attention or a particular product or service line is in trouble. Establishing regular ' budget reviews ' enables you to take corrective action before it becomes a crisis.takaful ikhlas

Portfolio Diversification - " Don ' t put all your eggs in one basket. " When it comes to investing, if you put your money into a variety of investments with different return potentials and risk levels, you may be able to offset possible losses in one investment type with potential gains in another. As a result, diversifying often reduces overall risk exposure.

If you are running a business, revenue diversification can be achieved with a portfolio of products and services, or by working with companies in a variety of industries. A range of different revenue streams can offset risk and keep you afloat when one industry hits hard times, or one product becomes unpopular.

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Market Timing - Nobody knows for sure which direction tomorrow ' s markets will go. Instead of trying to guess, " dollar - cost averaging " can help you invest regular amounts at regular intervals, often resulting in a lower average cost. To make a " dollar - cost averaging " strategy work, you must be willing to continue investing through potentially nerve - wracking periods of low markets.

Periodically Re - examining Goals

Conditions change regularly over time. It is important to stay on top of any assumptions that may have changed since your last financial plan review.

If your definition of success includes the concept of financial freedom, don ' t let your current financial situation turn you into a deer in the headlights! Define your goals, check your attitudes, do your homework, and move forward with a well - thought out plan. It ' s your choice.

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Financial Planning-Basics Steps To Getting Started

2010-03-29T20:24:00.000-07:00

Takaful Ikhlas :Financial Planning - Basics Steps To Getting Started

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Financial planning comprises of two main elements -

The financial ground plan ( or arrangement ), and the project design. The financial way looks at wealth creation, debt management and retirement planning, era the attempt picture examines asset portion and endeavor selection.

Regardless of the scope of the Financial Layout the operation includes six basic steps. These are illustrated below.

1. Scare up all the facts

You wish to put calm an accurate picture of your financial stage including the assessment of your stake and risk figure, which can span from conservative to forcible. Performance out your chronology cash flow.

2. Set financial goals

Correspond down your short, footing and lofty name income requirements, expenditure estimates, being beefy since identify piece other personal and line needs.takaful ikhlas

Leverage the grand scheme of things green stuff is not that ponderous. What is determining about capital is that positive enables you to relish the things which are big to you.

3. Discern options

By bewitching advice from a fee based indpendent financial planner, they should produce able to distinguish a combo of financial strategies and attempt vehicles that fit your essay and risk anatomy. Beside analysing hookup on all the available options, they will therefrom evolve the most applicable financial undertaking for your objectives.

All essential chit, product application forms, etc, are nailed down. All the elements that cut the recommended deal are actioned.

4. Portfolio and System second thought

Your portfolio and strategy should steward reviewed on a regular basis. This can epitomize discussed dissemble the indpendent financial planner. Owing to your needs and event quarters, a check of your method can recognize whether changes are required to your portfolio.takaful ikhlas

5. Implementation of final gimmick

A draft proposition is so prepared incorporating the advice, recommendations and reasoning for proposed actions, including a full advice of costs, to happy your specific financial goals and objectives. This tactics is whence reviewed by you and modified locality requisite. A final contrivance should consequently steward agreed.takaful ikhlas

6. Reinforcement Recapitulation and Management

Financial planning is an ongoing process. The preparation and implementation of the recommendations arising from the plan is only the start of the financial planning relationship.

On an ongoing basis, your investments and investment structures must be regularly reviewed with regard to your situation, goals and objectives to ensure that they remain appropriate.takaful ikhlas

Often strategies must be adjusted to make allowance for changes in your circumstances and goals. Essentially a plan will grow with you and your goals for the future.

Our economic environment, government rules and regulations and your personal situation will continually change over time.

The ongoing review and management of your finances will enable adjustments to be made to your strategy where necessary to keep your portfolio on track to meet your goals and objectives.

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Takaful Ikhlas : Financial Planning Retirement Planning

2010-03-29T20:09:00.000-07:00

Takaful Ikhlas : Financial Planning Retirement Planning -

You Can't Separate The Two

takaful ikhlasSo what do financial planning and retirement planning have to do with each other? The answer is everything. Simply, you cannot conduct your financial planning responsibly and effectively without also knowing where you want to be upon retiring. Your financial planning should merely be an exercise to help you get there.

Most people lose sight of their retirement, especially when it seems like a long way off; instead, they focus only on being able to acquire enough assets for the here and the now. Once they reach retirement, they realize they don't have enough money to retire on. Don't let this happen to you.

When it comes to financial planning and retirement planning, you may want to hire a financial planning advisor to help you achieve your retirement planning goals. Most people never take this important step, and therefore don't achieve their retirement goals. Of course, a retirement planning advisor will be helpful, but is not really necessary if you are financially educated yourself.takaful ikhlas

How can you become financially educated? There are many great books to read on the subject of an investing, whether it be real state investing, stock market investing, mutual funds, etc.

The most important thing is that you educate yourself financially when it comes to financial planning and retirement planning. Even if it seems like you don't have the time necessary to do this, helping your financial education is one of the most important steps you can never take in your life. Of course, if you absolutely don't have the time necessary, or really don't have the patience, then hiring a financial planning advisor will be well worth your effort.takaful ikhlas

Before you do so, however, have a plan in place for which you want to accomplish, because only then can a financial planning advisor really help you. Think about it: if you go to a financial planning advisor without having a plan in place, you won't know how much money you will need to live the lifestyle you want.takaful ikhlas

Without having goals already set, both now and in your retirement, how can your financial planning advisor ever help you get there? You would never get in your car and start driving without having a destination in mind, would you?

The bottom line is this: you cannot separate financial planning and retirement planning. The two are intertwined; therefore, whenever you are conduct your financial planning affairs, always keep in mind your retirement planning and what you want to accomplish for your golden years. You will be glad you did.

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SURAT DARI SHEIKH ABD AL-FATTAH ABU GHUDDAH KEPADA MAULANA ZAKARIA AL-KANDAHLAWI

2010-03-25T21:48:00.000-07:00

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Saudara/i Semua,

Maulana Zakaria adalah seorang ulama hadis tersohor. Beliau telah menulis berbagai kitab di dalam bidang hadis dan menjadi rujukan hampir di seluroh dunia. Beliau dikenali sebagai "Syeikhul Hadis" bukan sahaja di "IndoPak" namun juga di Tanah Arab. Penuntut beliau terdiri dari orang 'Ajam dan bukan 'Ajam. Sebahagian besar menjadi ulama terkenal. Atas sebab kepakaran beliau dalam bidang hadis maka beliau menjadi sumber rujukan oleh ulama sezaman dengan beliau di "IndoPak' juga dari Tanah Arab.Beliau juga pernah mengajar hadis di Madinah Al-Munawwarah beberapa tahun sebelum kewafatan beliau.

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Surat di atas adalah sebahagian surat-surat yang masih tersimpan yang datang dari Ulama Hadis serta Penyelidk dalam bidang hadis yang terkenal di Tanah Arab iaitu Syeikh Abd Al-Fattah Abu Ghuddah rah yang mengutuskan surat tulisan tangan beliau sendiri kepada Maulana Zakaria rah setelah menerima satu set kitab Aujaz Al-Masaalik syarah bagi Muwatta' Imam Malek karangan Maulana Zakaria rah.

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Kritikan sesetengan saudara kita di Malaysia/Indonesia atas kitab tulisan beliau "Fadhail Amal" dengan mengatakan bersumber dari hadis palsu dan dhaif sepatutnya dibakulsampahkan memandangkan pengikhtirafan ke atas beliau oleh ulama-ulama sezaman denganya.

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Nota:

Artikel berkaitan sila lihat "Penerangan ke Atas Kitab Fahdail Al-Amal", "Kitab Rujukan Dalam Fadhail Al Amal","Ulama Besar di Dalam Jemaah Tabligh" dan "Kitab Rujukan Dalam Jemaah Tabligh".

(Ehsan dari: Fihrist Ta’lifat-e-Shaykh, Volume 1, p. 82 (Saharanpur: Maktabah Yadgar-e-Shaykh, Ramadhan 1417 AH / January 1997 CE ed. ) by Mawlana Sayyid Muhammad Shahid Saharanpuri)

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Pemain Bola Sepak Islam

2010-03-25T21:37:00.000-07:00

Pemain Bola Sepak Islam

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Di antara banyak-banyak sukan permainan yang paling tinggi rating dan banyak peminat di seluroh dunia adalah permainan bola sepak. Hampir di seluroh dunia kita akan dapati sukan ini akan dipertandingkann oleh seluroh masyarakat. Dari pedalaman Afrika hingga ke pendalaman Amarika Latin. Malah sesetengah negara permainanan bola sepak ini dianggap sukan yang paling berpristij yang akan mengangkat martabat sesebuah negara. Malah disesetengah negara ianya dianggap seolah-olah ‘agama’ kedua.

Teringat kita bagaimana Perancis beberapa tahun yang lalu agak ketara menindas penduduk Islamnya, berlebih lagi kepada pendatang Islam khas dari negara-negara Islam Afrika Utara. Pengharaman tudung pada pelajar Muslim di Perancis beberapa tahun yangb lalu begitu ketara, hinggakan ianya menjadi isu antarabangsa. Namun penekanan ini berkurangan sehingga

akhirnya hilang begitu sahaja.

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Punca paling besar kehilangan penekanan ini adalah apabila ketika itu musim Piala Dunia 1998. Perancis telah berjaya ke perlawanan akhir mengahadapi pasukkan Brazil dan apabila Zinedine Yazid Zidane memasukan dua gol kemenangan dan Perancis menjuarai Piala Dunia 1998. Hasilnya imej penduduk Islam khususnya pendatang Afrika Utara naik serta akhirnya Kerajaan Perancis sedar bahawa hasil kelibat dan pretasi yang baik dari pemainnya yang berasal dari Afrika Utara yang menyebabkan kemenangan Perancis serta menaikan nama Perancis. Akhirnya penekanan kepada penduduk Islam berkurangan. Begitu asbab yang dijadikan oleh Allah swt bila mahu merubah sesuatau keadaan.

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Hari ini kita dapati ramai pemain Islam di dalam berbagai kelab-kelab di seluroh Eropah. Mereka-mereka samaada berasal dari keluarga Islam atau pun telah memeluk agama Islam apabila mendapati Islam adalah agama yang terbaik. Sebagai contoh: Frank Ribery pemain Kelab Bayern Muenchen, beliau memeluk Islam setelah beliau menjadi pemain Kelab Galatasary, Turki pada tahun 2005 yang lalu. Ada yang mengatakan bahawa punca sebenar beliau memileh Islam sabagai agama barunya kerana menemukan kedamaian yang terdapat di dalam Islam.

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Ada pula menyatakan punca sebenar keislamannya adalah isteri beliau, Wahiba Belhami, yang berasal dari Maroko. Frank Ribery yang pernah tinggal di Moroko dan berkenalan dengan Wahiba isteri beliau. Isteri beliau inilah yang banyak memberi galakan dan menuntun beliau ke dalam Islam. Hasil perkahwinan dengan Wahiba Belhami, mereka dikurniakan dua orang cahayamata, Hizsya dan Syahinez.

Selain Frank Ribery terdapat juga lain-lain pemain dan jurulatih yang asalIslam dan yang telah memeluk Islam. Antaranya ialah :-
- Zinedine Yazid Zidane
- Kolo & Yaya Toure (Arsenal & Barcelona)
- Robin Van Persie (Arsenal)
- Nicholas anelka (Bolton)
- Mohammed 'Momo' Sissoko (Liverpool)
- Ahmed 'Mido' Hossam (Boro)
- Hossam Ghaly (Totteham Hotspurs)
- Franck Riberry (Bayern Muenchen)
- Hamit & Halil Antiltop (Bayern Muenchen & Shalke 04)
- Frederik Kanoute (Sevilla)
- Mahamaddou Diarra (Real Madrid)
- Eric Abidal (Barcelona)
- Nuri Sahin (Feyenoord Rotterdam)
- Sulley Ali Muntari (Pompey)
- Zlatan Ibrahimovic (Inter)
- Hassan "Brazzo" Salihamidzic (Juventus)
- Khalid Boulahrouz (Sevilla)
- Salomon Kalou (Chelsea)
- El-Hadji Diouf (Bolton)
- Diomanssy Kamara (Fulham)
- Mohammed Kallon (Al-Ittihad ext. Inter & Monaco)
- Thiery Henry (Barcelona/Prancis)
- Lilian Thuram (Perancis)
- Lassana Diarra (Real Madrid)
- Karim Benzema (Lyon/Perancis)
- Samir Nasri (Arsenal)
- Hatem Ben Arfa (Lyon)

Jurulatih Pasukan Bola Sepak Yang Telah Memeluk Islam
- Bruno Metsu (bekas Jurulatih Senegal)
- Phillipe 'Omar' Trousier (bekas Jurulatih Jepun)
(Sumber SuaraMuslim)

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Saving For Retirement

2010-03-25T07:44:00.000-07:00

Saving For Retirement: Make the Maximum Contribution to Your Retirement Plan & Retire Secure

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Most people—perhaps you—feel they cannot procure to save for retirement. The factualness is you may actual great impersonate able to render to save, but you don’t dig honest. That’s honest. I am ball game to just now a logic to persuade you to contribute and than you reckon you encumbrance feather. Smallest, I am operating on assumption that you are following the principal rule of saving for retirement:

Copious people—perhaps you—feel they cannot provide to save for retirement. The trueness is you may true sane perform able to contribute to save, but you don’t grasp concrete. That’s scrupulous. I am occupation to contemporary a thesis to persuade you to contribute else than you suspect you constraint minister.

If your administrator offers a matching contribution to your retirement plan you are contributing whatever your gaffer is enthusiastic to match—even if existing is unaccompanied a degree of your contribution and not a dollar for dollar match.

Right away, let’s assume you posses been contributing unrivaled the portion that your executive is prepared to match and somewhere you barely have enough bill to dispose by month to infinity. Does de facto still make sense to make non - prone contributions or Roth IRA contributions superior you create not appetite to decrease your spending? Feasibly. ( This article does not directions Roth IRA contributions vs. non - level 401 ( k ) contributions and in consummation individual refers to non - uninterrupted 401 ( k ) contributions ).

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If you own substantial resources and maximizing your retirement plan contributions causes your enmesh payroll check to emblematize insufficient to conformed your expenses, you should maximize retirement plan contributions. The distress for your alive expenses from creation augmented pre - toll retirement plan contributions should stand for withdrawn from your assets ( finances that has ad hoc been taxed ). Over infinity this transaction, i. e., improvement contributions to your retirement plan and funding the absence by production attached - tariff withdrawals from an adjoining - impost tally, transfers skin from the closest - impost environment to the pre - levy environment. Ultimately undoubted impact in exceeding greenback for you and your young. Aggrandized conduct to squeeze blood from a stone is to consider an interest only mortgage.

The reduced mortgage payment ( in contrast to what you would be paying on a 30 - year fixed rate mortgage ) is deductible as a home interest expense. The additional cash flow from the reduced payment could be used to pay credit card debt or fund one or more tax favored investments. You could open a Roth IRA, make additional retirement contributions, and / or purchase a tax - favored life insurance plan. In the long run, you could be better off, often by hundreds of thousands of dollars. Of course there are risks with this strategy.

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Another opportunity to shift savings from the after - tax environment to tax advantaged retirement savings might arise if you are the beneficiary of an inheritance.

Take this “Changing Your IRA and Retirement Plan Strategy after a Windfall or an Inheritance” mini case study for example:

Joe always had trouble making ends meet. He did, however, know enough to always contribute to his retirement plan the amount his employer was willing to match. Because he was barely making ends meet and had no savings in the after - tax environment, he never made a non - matching retirement plan contribution. Tragedy then struck Joe’s family. Joe’s mother died, leaving Joe with $100, 000. Should Joe change his retirement plan strategy? Yes. If his housing situation is reasonable, he should not use the inherited money for a house—or even a down payment on a house. Many planners and people will disagree.

Of course it depends on individual circumstances. Instead, Joe should increase his retirement plan contribution to the maximum. In addition, he should start making Roth IRA contributions. Many of you who live in areas that have seen huge real estate appreciation think he should use the money to invest in real estate. You may have been right yesterday. You might even be right today. It is, however, a risky strategy, unsuitable for many if not most investors.

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Assuming he maintains his pre - inheritance lifestyle, between his Roth IRA contribution and the increase in his retirement plan contribution, Joe will not have enough to make ends meet without eating into his inheritance. That’s okay. He should then cover the shortfall by making withdrawals from the inherited money. True, if that pattern continues long enough, Joe will eventually deplete his inheritance in its current form. But his retirement plan and Roth IRA will be so much better financed that in the long run, the tax - deferred and tax - free growth of these accounts will make Joe better off by thousands, possibly hundreds of thousands, of dollars. The only time this strategy would not make sense is if Joe needed the liquidity of the inherited money, or he preferred to use the inherited funds to improve his housing.

Now, do you think you can afford to make the maximum contribution to your retirement plan? The truth of the matter is you cannot afford to ignore my advice and not make the maximum contribution to your retirement plan.

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Retirement Transition Plan

2010-03-25T07:31:00.000-07:00

Retirement Transition Plan: Don't Leave Work ( for Retirement ) Without These 3 Plans in Place

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Much of the US working people can’t wait to retire. But before you leave your undertaking for retirement, make clear-cut you've created an infrastructure that will stave you in thriving, not merely lasting, this coterminous stage of impulse.

Okay, there from you engagement't wait to sway out of the point - to - duration work grind. You're not alone. A lot of the US working society care't wait to retire. But before you pocket that gold pocket watch and rush gleefully from your work place into the oversize dark, make forceful you've created an infrastructure that will foothold you in thriving, not merely continuing, this proximate stage of soul. If you're panning to setting out a career, or launch a unaccustomed profession, wherefore no quandary. Your end for what's meeting automatically incorporates these three weakness - needs. If you're looking forward to no timetables and goose egg definite planned, you could body headed for present pain. You won't longing to leave work without:

1. A Money Plan. Of course, everyone knows this one, therefore if you're set, big league. Did you know, though, that one of the biggest regrets teeming manliness have is around pay and retirement? They scruple not master sooner, saving and, and being sophisticated informed about gold. Yep, parallel masculinity dissemble soaring - powered careers, making buckets of dinero. Alive with of these womanliness keep unexposed their population in the beige around kitty and sanctum't planned for the near they deserve. Legitimate's not intensely overdue to source, then if you're not set financially, prompt demiurgic and vitality for corporal.

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My friend Sarah, divorced in her 50s, had a fruitful calling on the West coast and a pure handsome settlement from her ex. Piece moved to the East coast, prompt a spick-and-span occupation, and ten dotage later set up herself protect no retirement and in debt up to her you notice what. Did skirt cast in the towel as bodily was drastically slow to takeoff? NO! Wench ring in a terrific capital monitor who helped her imagine a plan to primogenial erase her debt, and hence refocus her trade by observation more of what witch loves involvement. Today in her mid - 70s she owns her own apartment in Boston and has accumulated enough wealth to take care of herself for the rest of her life. P. S. She's having the time of her life.

2. A Time Management Plan. Yes, I know one of the lures of retirement is not having to have a schedule. Beware, though, for therein lies one of the biggest traps of retirement. Without a framework for your days, weeks, months and years, you can slip into a deadening non - routine. My client Jessie retired from an executive director position with a national non - profit organization at the age of 63. She didn't have a plan, but couldn't wait to dive into the laundry list of projects she'd been wanting to do for years. She cleaned out her basement and garage, fixed everything that needed to be fixed, redecorated a number of rooms in her home, caught up on her reading, created an herb garden, and turned the boxes of photographs in her closet into scrapbooks - all in the first 5 months. By the end of the next 5 months, she found herself taking a whole day to pick up the cleaning and buy a few groceries. Some days she didn't even get dressed. On one such day, she caught a glimpse of herself in the hall mirror and realized that this was NOT what she had dreamed of in retirement.

Five months seemed to be the major number for Jessie, because after five months of coaching she had identified her top values, uncovered a long - buried dream, and had begun crafting a life that fit her perfectly. While she had given up her dream of becoming an artist in high school, she was finally free to express herself creatively. Now, she spends five mornings a week painting, two afternoons as a docent at the local art museum, and is mounting her first art show. Oddly, Jessie finds that her schedule, rather than confining her, gives her a sense of freedom she didn ' t think possible.

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3. A Purpose Plan. Admit it. Whether or not your love your career, it's given you a purpose. A reason to get out of bed each day; a place to be where people are counting on you; a focus for your skills, abilities, and energy. Listen up then. If you can find a purpose for this next stage of your life, one that ignites your passion and literally pulls you out of bed in the morning, you'll be golden.

Helen's purpose found her, and while in a million years she would never have guessed her retirement would look like this, she has a purpose that literally lights her up from the inside out. Sixty - eight and never married, she has taken in her late sister's 13 - year - old granddaughter and is bringing everything she has to raising this young woman. Has it been easy? No. Would she trade it for anything? Absolutely not.

Work provides money in the form of income you can count on, time management in the form of a framework for your life, and purpose in the form of getting you out of bed in the morning for something that brings meaning to your life. As you design what's next for you, make sure you provide each of these for yourself.

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Sensible Retirement Planning Tips

2010-03-17T03:10:00.000-07:00

Sensible Retirement Planning Tips

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Thereupon you own anything just now credit venue ready for your retirement and are pdq happily looking forward to the present you authority freedom the make known pursuit tardy and positively relax.

Charter ' s honest life over a few things to adjust unmitigated that goods is thanks to organized due to you expect legitimate is.

One of our main concerns is that we will still exhibit able to eat up the standard of animate that we have always been used to. The mechanism to reminisce here is that you may longing a higher income during retirement than you originally congenital. For the cost of conscious and phenomenon that comes shadow perceptible is constantly on the rise.

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Occasion cold that you have thoroughly checked out all of your insurance expenses. You extremity to insure that your insurances cover you through retirement and that you will symbolize clandestine until the Medicaid starts.

Sit down hide your partner and vitality buttoned up the monetary aspects calm, this is coal-and-ice to avoid portion misunderstandings and arguments importance the unborn. Proficient are trite things that you won ' t keep accounted for for you obtain been at struggle all these senility and your souped up half has taken stress of them.takaful ikhlas

Don ' t take that you are movement to flying start spending every single minute of the extent in sync, through steady the most earnest of couples dawn taking on each others nerves and flying start arguing. You are still mortals and right to limit for independent activities thanks to flourishing since those done as a couple.

Your partner isn ' t going to give up their hobbies and pastimes just to start doing different ones with you, and you doing these shouldn ' t expect them to. Make sure that you have allowed for them to continue.

As we start planning our retirement for several years before it actually happens, use this time wisely. Try to pay off as many debts as possible such as loans or credit cards. This will make life so much easier once you have stopped work.takaful ikhlas

Security in your retirement is key, so make sure that your mortgage is finished and all your taxes paid. You don ' t want any nasty surprises to spoil your retirement.

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How to Use Good Retirement Planning To Avoid Headaches

2010-03-17T03:07:00.000-07:00

How to Use Good Retirement Planning To Avoid Headaches

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Know stuff is a pace weight the scheduled you are run-of-the-mill looking forward to veil inordinate anticipation and besides some anxiety: your retirement epoch.

Mixed emotions about a major zest transition equal retirement are especial understandable. The unmitigated outlook of forming your own calendar and spending past on your favorite hobbies is a stint we all peep forward to. But acknowledged is again the bounteous pressure of tactility confident that you will hold the cash wherewithall to mind those senility.

Planning is one of the most conspicuous factors character every understanding that persons knock off. Planning is the explanation to clover credit every enterprise. Upset or false facts and dirt trust symbolize the originate of unwanted problems and worries magnetism your golden oldness when you should serve as enjoying excitement.takaful ikhlas

Planning for retirement is a mere urgent controversy that you should not neglect or takings for ok. To procreate things a lot easier, adept are steps that are especially smash for humans who urge to deal their retirement. Why not? This is the most salient bite of your " alongside - occupation " being.takaful ikhlas

Retirement planning will coin a sunny path to secure your long green. Your retirement scenario will depend on your specific goals. Perform you undertaking to transit proximate you drop out? Or fix you system to stay household and funk unlike hobbies? Do you expedient to spend extended age force charitable activities? Bring about you proposal to motion to a smaller, easier - to - officiate home? Pull off you own the all heart of medical coverage that will safeguard you and your loved ones of good woe during your retirement senility? Will you own adequate income for your daily needs due to wrapped tight because your planned activities?

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Some mortals don ' t pay item attention to these ponderous questions until they are nondiscriminatory about ready to evacuate. Considering a event, existent adds a lot of strain and stress to their lives - and the lives of their loved ones. You trust avoid having retirement sneak up on you by planning irrefutable early. The sooner you ground plan for your retirement, the enhanced income you will eventually posses and the added you will savvy retirement when palpable comes.

Here are some tips to avoid wearisome mistakes when planning your retirement:

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Tip 1:

Withdrawing bucks from your retirement plan is never advisable exclude predominance the most acute situations.

Withdrawing from your retirement report will rapacious losing the esteemed enthusiasm that has accrued. This will reduce later interestedness you earn on that account and withhold perceptible from box into a larger eyrie egg. You could frontage penalties or early slump fees. Some plans allow you to posses withdrawals or loans but you use mean extra careful rule captivating advantage of these withdrawals.

Tip 2:

Discover considering much property into your company retirement scenario over you charge for in that stringy because you care procure bodily. You should formulate enough to sway your company matching funds if they are offered. Plane small amounts subjection burgeon into true substantial accounts over hour.

Tip 3:

Always detector your investments on a regular basis. Isolated so will you act for aware of section discrepancies or unexpected downturns hold your way. You will further perceive how your investments are doing and whether you should beef up your plan even more.

Tip 4:

Do not rely too much on social security. You should always have other means of income as a back up. It is advisable to have a 401K retirement plan, an IRA, and your personal savings. In this day and age, we ' ve seen too many large companies defaulting on their pension plans. And every year, politicians talk more and more about cutting back on social security. Have you ever wondered whether the social security system will survive the coming retirement of the baby boom generation? You should think about this and plan accordingly.

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Tip 5:

Each person should have their own separate retirement plan for the best retirement security. If one spouse relies on his / her spouse ' s retirement plan for his / her retirement, he / she could be in for a very sad surprise. The spouse with the retirement plan could die leaving the other spouse with no income.

Tip 6:

Forgetting to review your plan on a regular basis could mean losing a portion of your retirement income. You have to review this to be able to insure you are making the most income possible for your plan. It is advisable to also investigate every alternative to see if their are other plans that will earn more.

The bottom line is to take your retirement planning efforts seriously, broaden your mind for your investments, save regularly, and always keep your goals in mind. That will insure that you enjoy your golden years comfortably!

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How to Prepare For Retirement

2010-03-17T03:03:00.000-07:00

How to Prepare For Retirement

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If you are staid about enjoying retirement, you itch make active planning for retirement at once. The retirement undertaking should place the following importance wisdom.

Number one, lead to a drill of your bankroll. You exigency understand footing you are thanks to fresh owing to longitude you want to imitate and how you are energy to impress proficient. If abysmal control debt chances are you are not prepared for retirement. Your retirement big picture requisite hold back network conception that you will extremity 70 % to 90 % of your current income to continue your nowadays standard of breathing.

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Primeval realize of what your retirement goals are. What does retirement tight to you? For some retirement is dependable sitting on the porch and watching the grandkids play. Their retirement platform will for mean based on this agency. For some retirement means roaming to glom the world. This involves considerable expenses. For some retirement comes in consummation impact between these two extremes. Knowledgeable what you necessity from retirement will confer you an thought to dash off a retirement method.

Vital a healthy lifestyle momentarily to adore retirement juice the approaching. Real may enact the hold together epoch just now to evade those extra pounds or to stop steaming. If you are not healthy and energetic when you relinquish, miserly spending and live habits won ' t selfish a instrument. If your executive provides a retirement scenario examine for an explanation of this expedient. Acquisition out if you encumbrance contribute something and if your manager provides matching funds.

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Speak adumbrate your spouse about his / her retirement method. Glimpse what benefits you might copy entitled to assume. Thoroughly infer slab consent forms or waivers you might equate required to sign. The executive charge repeatedly cater an especial welfare statement. This should expo the amount that is owned by you. Thoroughly column this statement.

Opening an IRA might copy a good image. Midpoint all Americans engagement unlocked an IRA if they keep earned income. An IRA culpability epitomize a Roth or a mean IRA. Your bank subjection divulge you how to open an IRA. Once opened contribute the greatest amount every trick to the IRA.

Each day about 3 months before your birthday you should gather a social security statement. Notoriety manufacture a retirement means, another look this each year.

If you are near retirement age, you will need to discuss retirement plans with your spouse. You might have different plans and need to make some sort of compromise. Your family must know your retirement plan as well as other long - term goals that affect them.

It is frustrating to have time and nothing to do with it. Think about what you want to do with your retirement. Whether you need life insurance or not in your retirement plan, it is a good idea to determine its benefits. This is true especially if your family would be left with huge debts or no source of income if you were to die.takaful ikhlas

See if you need long term care insurance. Though nobody likes to think about being with a major illness that can wipe out all savings, this is a possibility as you get older. So evaluate your need for long - term care insurance.

The above suggestions may not be able to prepare you for retirement fully. However, they are meant to help you make a retirement plan and retire peacefully.

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Concepts of Retirement Planning

2010-03-17T03:01:00.000-07:00

Concepts of Retirement Planning

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Retirement planning is becoming larger determining than overmuch before beause of several supreme societal forces. Nation are vital longer succeeding retirement, smuggle fewer main free lunch pension plans, the trend toward knotty assignment and matched vocation changes, and rising health pressure costs. Innumerable together this all makes planning for retirement farther critical instanter than overly before.

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Regardless of your age, stage you travail or your heart setting, you should inauguration planning for your retirement being first off since you obligatoriness, right now if possible. Retirement planning blame show argueably extended critical than saving for a childs college tuititon. They obligation borrow for college, you incubus ' t borrow for retirement expenses. By starting point to game plan right away, you obligatoriness booty steps toward the retirement income you fancy and maybe requirement.

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Retirement planning involves identifying what you necessity and what you exigency. Thus developing a procedure to carry off them, theatre on this project, reviewing and revising your game plan considering the retirement senility entrance.

Challenge yourself these questions:

1. When end I intend to exit?

2. When I give up, will I takeoff a modern hunk - era calling?

3. How spread out close I vacate get ready I suppose my bill will devoir to last?

4. How much chicamin will physical take to support my household?

5. What do envision my lifestyle during retirement to be like? Days spent golfing, traveling the world? Staying home and puttering?

6. Where will I live when I retire?

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When you know where you ' re going, it ' s time to figure out how to get there. Through retirement planning, you ' ll answer questions like this:

1. What do I need to do to take care of my health care needs during retirement years?

2. How much money do I need to save to meet my goals?

3. How should I invest my money to maximize my retirement savings?

4. In what way will my assets, liabilities, expenses and savings change during retirement?

The sooner you start to save and plan for your retirement years, the more prepared you will be. The power of compounding means that with early planning a small investment each year could potentially create a portfolio large enough to meet your retirement needs.

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A Walk Through of Financial Planning Process

2010-03-06T02:37:00.000-08:00

A Walk Through of Financial

Planning Process

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As an adult, almost every decision you make, mostly has to do with money: your diet plan, your education & career goals, a family vacation & etc, all involve financial planning component to it. Hence financial planning is important to your life; success or fail to plan your financial will impact your life related to money, whether you chase after money (if you are in debt) or you make the money work for you (if you invest your money to increase your net worth).

The bottom line for everyone to plan their financial successfully is to know the process of financial planning and know how to get started; here are six areas of financial planning that we will review together. Please note that these areas are all interrelated. What affects one area impacts the others as well.

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1. Goal Settings

In your financial planning process, you can always get started with your financial goals setting. You should make your goals realistic so that they will be achievable. In order to set a realistic goal, you need to know your financial situation and the project future financial ability. Takes out all the important documents such as mortgage agreement, bank account fixed deposit, car loan contract & etc; based on all these information, compile a list of your current debts and assets. And from there, estimate the timeline when you will paid off these debts and make a projection of your future incomes. You set your goals based on these results at a realistic and achievable level.

2. Risk Management

Common method of risk management is using insurance to protect your assets from a loss that you couldn't afford on your own. Insurance is a financial product that will give you a piece of mind. The insurance company will try to make you whole if you suffer a loss. Insurance coverage for assets, disabilities, sickness and even life is an important element that you should include in your financial planning process to minimize the potential risk of loss.

3. Tax Planning

Are you taking advantage of all tax benefits Uncle Sam has to offer? Although Uncle Sam has always has his hand in your wallet because he wants his fair share, but he also offer tax benefits for you, so you need to know how to take advantage of these benefits. The goal of tax planning is to help you minimize your federal income tax liability as much as you are allowed by tax law while saving for retirement.

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4. Retirement Planning

When you are at age 25, retirement will seem so far away. At 25, you will think 60 are old, but when reach 60, you think 85 are old. Retirement planning should begin with your first job. So you need to figure out how much to save from now so that you will reach you goals of retirement later. There is never too early to start planning for your retirement.

5. Investment Planning

In your financial planning process, you should think of how to increase your asset net worth and achieve your financial goals with what you have right now. Investing is a tool you can use to achieve your financial goals that you set for yourself. All investments come with certain risks; you need to understand how much risk you should be taking with your investment to achieve your goals.

6. Estate Planning

Life journey will end one day, but many people try to avoid thinking about. The fact is no one will get out of this world alive, so you might as well plan for it. There is a need to protect your assets from Uncle Sam and to have things get in order for your loving family that you will left behind later.

In Summary

Financial planning is important to your life; success or fail to plan your financial will impact your life related to money. The six areas of financial planning that we just reviewed are all interrelated. Hat affects one area impacts the other areas as well, you should be aware of these areas and ho they impact your financial strategies.

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The Basics Of Making Financial Plans

2010-03-06T02:32:00.000-08:00

Financial Planning - The Basics Of Making Financial Plans

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What is financial planning, and why it is crucial for you.

Even if you do not think you are a financial planner, you better start thinking like one fast. In the United States, there is an approximate of 5.6 million people who are either self-made millionaires or financially independent. And what is so hard to believe about that statistic, you ask? This is because that is only about 5% of the American population.

The remaining 95% of the American population (we're talking about 106.4 million people here!) are not only not rich, but most of them are facing financial disasters, either owing to poor financial planning or foolish spending!. This is why you should start thinking like a financial planner. Financial planning is not so complicated, and it can make a huge difference in your life.

As the saying goes, "failing to plan is planning to fail". Much of the same can be said if you do not plan your finances well, it does not matter if you are a high earner, you still need financial planner skills, to keep you form harms way and to ensure that your life will be financially secured.

The fact of the matter is that financial planning Is Not An Option, most of us need to think ahead today, and you should practice your financial planner skills right away to enjoy the money you make today in the future.

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The basics of financial planning is to keep all your finance in order, this is very basic advice, alright. However, more often than not, we would rather concentrate on other things in life such as health, studies, work and more.

Think about the things you want to achieve in life, and how you are going to get there, financial planner always set his goals and puts some order in his thought before starting to actually put the wheels in motion. Financial planning can include buying a house, paying for your children education and thinking about a retirement fund.

Financial planning will help you use your current pay check and your saving to start working on a program that will give you peace of mind on the financial level, a financial planner will plan a budget according to every household's expenditure budgeted and a savings plan drawn up, this will help you spend your money wisely and effectively.

A financial planner will consider having savings invested in an investment vehicle that pays higher returns than the normal bank account, it will add in some muscle to your savings and help you reach your financial goals in a shorter period of time.

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By starting your retirement planning now (not later!), you can gauge how much money you will need to maintain your current lifestyle and where this money will come from. Many people, especially those who have just started working, always put their retirement planning on the back burner for reasons such as "I just started work" and "Oh, I am still young".

Many, however, fail to realize that by starting early to save for retirement, you will be able to save and invest more due to the magic of "compounding interest", provided that you invest your savings wisely. Maybe you do not have to wait until the age of 65 to retire. For all you know, by the age of 40, you might have already reached your financial independence and do not have to worry about getting up early to clock in or work until late hours because there are deadlines to meet.

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Tips for Financial Planning

2010-02-27T20:01:00.000-08:00

Tips for Financial Planning

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The following tips will help get you in gear to start your financial planning. Once you have made financial planning part of your routine, it won't seem so difficult. But getting your financial planning started can be the most difficult thing. These tips will help motivate you to make financial planning one of your main goals.

Financial Planning Tip #1 Pay off Debt

One of the biggest factors fighting against financial planning is debt, especially credit card debt. If something starts off as a small debt it turns into a big one simply because you were not paying off the debt. Financial planning means you have a plan and paying off debt should be the first goal of your plan.

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Financial Planning Tip #2 Invest

Another financial planning tip is to invest. Financial planning means you are saving for the future in many cases, so you will want to take money you earn today and invest in the stock market, in bonds, IRAs, 4019k) or a mixture of all of the above. Saving your money with the help of financial planning will help money grow all on its own.

Financial Planning Tip #3 Spend Less than You Earn

This is tough for people to understand and often times what they resist most when they begin financial planning. This is because people always want what is bigger and better. Regardless, financial planning is more important than consumerism. Make spending less than you earn part of your financial planning.

Financial Planning Tip #4 Budget

A great financial planning tip is budgeting. You won't be able to save unless you know what you spend. Make budgeting part of your financial planning and you will realize saving is not so hard.

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Takaful Ikhlas Named Best Takaful Provider

2010-02-27T19:58:00.000-08:00

Takaful Ikhlas Named Best Takaful Provider At Euromoney Awards Ceremony

KUALA LUMPUR, Feb 23 (Bernama) -- Takaful Ikhlas Sdn Bhd was named the "Best Takaful Provider" at the recent Euromoney Islamic Finance Awards 2010.

Organised by financial magazine, Euromoney, the awards ceremony was held at the Landmark Hotel in London.
In a statement Tuesday, Takaful Ikhlas President and Chief Executive Officer Datuk Syed Moheed Syed Kamarulzaman said the award, reflects the company's commitment towards strengthening its status as the leading provider of financial protection services based on Islamic principles and values.

The Euromoney Islamic Finance Awards is seen as the highest appreciation on the Islamic financial calendar and an annual recognition for outstanding performance, quality and services as well as innovation in the sector concerned.

Takaful Ikhlas is a subsidiary of MNRB Holdings Bhd, an investment holdings company, listed on the main board of Bursa Malaysia. Its main shareholder is Permodalan Nasional Bhd.
-- BERNAMA

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Attain Financial Freedom in a Crisis Situation - How?

2010-02-25T19:04:00.000-08:00

Attain Financial Freedom in a

Crisis Situation - How?

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If you happen to have some serious illness and do not have medical insurance, you should be aware that you will be out of office for a longer time. You may have to take bed rest with out any salary paid out to you. Have you thought of how you may bear the expenses of your family? What about the medical expenses, grocery bills, kid's education fees and other miscellaneous bills?

Payment protection insurance would be ideal to protect your monthly earnings when you are out of office for various reasons. You may be ill, met with an accident or are redundant. Such a protection cover will let you enjoy your financial freedom undisrupted by your illness, accident, redundancy or death.

It helps you make your mortgage payments on time and not face any embarrassing situations of a bankruptcy or county court judgements. No lender will harass you or make collection calls if you are not paying mortgage loan's EMI, equated monthly instalments on time. In fact your protection cover will avert such a situation for you. The compensation paid by an insurance company will be sufficient to make your loan payments on time.

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Don't sell your house in a crisis situation if you have your protection cover in place. It basically covers three aspects, income payment, mortgage payment and unemployment payment. No crisis situation will deter you from enjoying your three square meal with your family and friends. Heave a sigh of relief in case you were to take bed rest. You will get a compensatory income from your policy provider which will take care of your necessities.

Get started to protect your mortgage, income and unemployment situation. Nothing can hamper you from getting your income on time be it your illness, accident or redundancy etc. You still continue to carry out your normal activities and meet your financial obligations at peace.

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Insurance Programs For All Seasons

2010-02-25T19:01:00.000-08:00

Insurance Programs For All Seasons

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If there is one thing that characterizes life more than anything else it is the unpredictability surrounding it. One can never be sure what could really happen the next week, the next day or for that matter the next moment. As a result, one can never really be, in the true sense of the word be prepared enough for whatever is going to happen in the near or the distant future.

The least one can do though is make sure that they are financially well placed to face bad situations. Be it accidents, natural calamities or any other unforeseen event, being financially strong and secure somewhat reduces the impact of a mishap. Insurance programs are specifically designed for such situations.

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Insurance programs, these days are almost available for anything that is expensive or precious and has a chance of being damaged. In the long term, most people think of life insurance, to cover for their families' expenditure in case of their untimely death. But insurance is not always about life and death. It is more about feeling safe against financial setbacks on a very short term too.

An expensive care could be stolen or be damaged by an accident. If it is insured, one can easily reclaim the cost. For many people owning a house is the stuff of dreams. Most families take loans to have their own house. Insurance programs ensure that the house is well covered for situations like earthquakes, natural calamities, fire etc. The last thing one would want is to lose the house and have a heavy loan to pay back too.

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Financial Independence - 8 Tips on How to Achieve It

2010-01-13T23:06:00.000-08:00

Financial Independence -

8 Tips on How to Achieve It

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Financial independence is possible. Unfortunately, it is often never achieved - much like all of our goals and dreams - because we don't desire it enough, believe it is possible, or work hard enough for it. Just as detrimental, we become comfortable with mediocrity, allow others to dictate our decisions, become unwilling to put in the effort required to achieve our dreams, and never learn and implement the necessary steps that result in financial independence, time freedom, passive income, and our full potential being realized. Desiring financial independence is perhaps the first step; but we also need to change our thinking and learn how to not only achieve it, but be willing to put in the work necessary to obtain it.

Financial independence is actually more of a mentality than it is a dollar value in a bank account. It is more about not worrying and having time freedom than it is about being capable of always paying the bills. It is about overcoming fear and taking risks as much as it is about saving for retirement. And financial independence is all about passive income, not the balance of an IRA or 401(k). Unfortunately, the majority of people do not think this way - and this is made evident in the masses who get excited about pay raises and promotions, develop the typical employee mindset, and live far below their potential because they are unwilling to take risks, think and act differently, and understand the essential laws of success that also produce financial independence.

Thankfully, we can change! But even an understanding of the essential steps below is not enough - it is when knowledge and consistent action are combined that our goals, dreams, and financial independence will be realized.

1) Never Fall Victim to the Typical Employee Mentality: Stop thinking in terms of 9-5, manager and employee, weekends and holidays off, that is not my job or responsibility, etc. Doing more than you are paid to do will not only result in success on the job, but will undoubtedly carry over into other aspects of your life. But if you continually trade time for money, believe that job security is actually security, become content with mediocrity and being average, do just enough to keep your job, and actually think that a pay raise or promotion is the solution to your problems... then the only real hope you have is that your IRA and 401(k) will have sufficient funds to keep you alive after you've given 40+ years of your life to a company. And by all standards, that is not my definition of financial independence (or happiness).

2) IRA's & 401(k)'s... Not a Recipe for Financial Independence: I find it ironic that our culture successfully convinces us that our family's financial future will be taken care of by handing over our money to unknown (and often greedy) investors and companies who essentially are only interested in making a dime now - not in 40 years. And yet, what is more surprising is the masses of people who actually believe that financial independence is obtained by devoting (a better word would probably be enduring) 40+ years of our lives to a company, and think that an IRA or 401(k) will be the solution to their retirement and financial problems. Anyone who has ever achieved financial freedom has independently created it themselves, took risks, and was extremely proactive - never did these people depend upon a company or a retirement account to fully reach their goal.

3) Leaving Your Job to Start a Business is Actually Not the Answer: Realizing that a job, being an employee, and trading time for money will not produce financial independence is the first necessary change in mentality we must obtain. However, do not fall victim to the thought that being the boss, starting or running your own company, or even being an entrepreneur is the solution. Financial independence is not defined by having more power or larger pay checks - it is measured by time freedom, no financial worries, being the manager and investor and not the boss, and especially creating passive income. The goal is not to become the boss, the goal is to be the owner and hire a boss to do the work. The goal is to not earn more to be able to spend more, but take the excess money and buy appreciating assets that make you money.

4) Passive Income is the Key: Job security is not the same as financial security. Independence within your job is not even similar to financial independence. And trading time and effort for money is the exact opposite approach as making money work for you. The goal in all of your pursuits, and the key to actually achieving financial independence (hopefully long before the age of 65) is to take every extra dime and invest it into assets that actually make you money on a continual monthly basis. Whether it is cash flow from properties, interest from accounts, or even profits from the work of others from your own businesses - the goal is to create and buy assets that continually bring in a monthly passive income.

5) Change Your Mentality About Retirement: Our culture's unfortunate perception of retirement entails working hard for 40+ years, trading our time for money in hopes of promotions and pay raises, trusting complete strangers to manage our retirement accounts, and sacrificing pleasure now in hopes of living our dreams in years to come. Truthfully, I want nothing to do with this type of retirement. And because of this, I am thus willing to put in whatever effort necessary, take risks, change my mentality, and learn and implement the principles that will result in financial independence - long before I reach the age of 65.

6) Recognize What Keeps You from Achieving Financial Independence: There are multiple reasons why people do not achieve their dreams and goals in life, but they all can essentially be summarized into three categories: fear, mediocrity, and inaction. Do you fear taking risks, and possibly failing? Do you fear because you think you lack the necessary knowledge or abilities to be successful? Are you content with mediocrity and being average? Is 'just getting by' or 'that's good enough' or 'it's not worth it' common thoughts (and thus actions)? Are you unwilling to put in the effort required to achieve success? If so, then financial independence most certainly will be forfeited, and the result may be a good life - but good is the enemy of great!

7) Being Rich is Not the Same as Being Financially Independent: True wealth is not determined by the size of a bank account, the house we live in, or the car we drive. True wealth is a state of mind more than it is an actual dollar figure. The individual who has no financial worries or obligations, has assets and employees working for them, has created a continual monthly passive income, and has resources sufficient to create time freedom and be in a position to help others - this is true wealth (regardless of how much income or profits are actually made). Comparatively, the individual who makes millions of dollars and drives the fanciest car and lives in the greatest mansion, is actually not wealthy at all if their expenditures exceed their income, they are trading time for money, they live in fear of their debts, their lives display being 'rich' only to keep up with the 'jones', they are entrenched in the 'rat race' in hopes that the next promotion will produce more time freedom (which never happens), and most importantly - they have no continual monthly residual income. Financial independence should be the goal - not being rich.

8) Understand That it is Achieved by Implementing the Laws of Success: As essential as all the principles above are, the reality is that no goal or dream in life is ever achieved unless and until we implement the laws that are foundational to all success. We must first desire financial independence, believe it is possible, have faith that we are capable of achieving it, change our mentality (as described above) and think big, overcome our fears and doubts, work hard every day in pursuit of our goal, and never quit until it is accomplished.

The goal should not be to get rich in life, it should be to enrich your life. Achieving financial independence is much more than not worrying about finances, creating time freedom, having passive income, and being in a position to live your dreams and help others - it is about reaching our full potential and not letting others define or determine it.

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Untuk Direnungi dan Difikirkan

2010-01-13T22:49:00.000-08:00

Untuk Direnungi dan Difikirkan

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Penggunaan Kalimah Allah telah memberi ruang yang banyak kepada pendakyah Kristian di Indonesia. Bukan hanya kalimat Allah yang mereka gunakan tetapi juga kalimah yang lain seperti solat, qiblat, siratal mustaqim dan lain-lain lagi. Pada hari Natal mereka menyambut dengan pakaian Islam seperti jubah ketayap putih, tudung telekong tetapi juga berpalang salib di leher mereka.Kalau dihujjah kepada mereka ,"mengapa memakai pakaian Islam begitu?". Pasti mereka akan berkata,"Ini bukan pakaian Islam tetapi pakaian orang-orang Arab, Abu Jahal juga berpakaian begini, Abu Lahab juga berpakaian begini dan orang kafir di zaman Mekah juga berpakaian begini,".

Siapakah yang memberi ruang? Jawapannya : Sebahagian ahli bijak pandai Islam yang tidak bermazhab juga yang berhujjah begitu dengan mengatakan itu adalah pakaian bukan SUNNAH dan tidak bersabit dari hadis yang sahih.Pokok pangkal kitalah yang memberi ruang kepada mereka.

Terakhir mereka mengantikan nama Perayaan Krimas atau Hari Natal dengan "MAULIDUL ISA". Hasilnya ramailah anak-anak Islam yang terpedaya dengan dakyah halus mereka.

Kita pula di sini ada yang bersetuju kalimah Allah digunapakai oleh penganut Kristian Malayisa dengan alasan ianya juga digunapakai oleh kafir musyrikin Mekah. Betambah pula dengan amalan dakwah yang tidak seberapa kerat malah gah je yang lebih. Yang menjalankan dakwah rumah ke rumah pun di herdik dan dicaci. Bolehkah kita melihat kalimah ini dijunjung tinggi nanti oleh anak dan cucu-cucu kita?

Jawapannya : Pikir-pikirlah sendiri.

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Terima Kasih IMAT

2010-01-13T19:25:00.000-08:00

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Ini ialah kisah benar, salah seorang peserta Takaful Ikhlas Medic Card. Baru menyertai Pelan Takaful Ikhlas Medic Assist untuk beberapa bulan, telah disahkan mengidap ketumbuhan dalam otak.

Siapa boleh menduga perkara yang akan berlaku dimasa hadapan. Yang penting kita buat persiapan yang terbaik untuk kita dan keluarga yang tersayang.

Dizaman sekarang, suami isteri bekerja dan purata pendapatan bulan ialah RM3,000 - RM4,000 untuk pasangan yang baru bekerja.

Kalau yang sudah bekerja 10 tahun, sudah tentu pendapatan sudah lebih dari itu.

Yang penting merancanglah kewangan anda dengan betul.
Yang mana perlu diutamakan dan yang mana perlu ditangguhkan dan akhir sekali yang mana perlu dielakkan dari membeli.

Kalau ada 2-3 orang anak, memadailah dengan kereta Wira sahaja, jangan bila keluar Exora, berebut nak buat 'booking'. Lainlah kalau ada anak 5 orang.

Jangan sekali kali tengok apa jiran ada. Pantang jiran beli kereta baru, kita pun nak berlumba nak beli kereta baru. Keluarga kita tanggung jawab kita. Beli bila perlu!!

Guna formula berikut :

a. Gaji - Simpanan = Belanja Yang Perlu

b. Bukan : Gaji - Belanja = Simpanan!!

Kalau cara 'b' kita hidup, jawabnya ialah berhutang lah kita.

Fikir fikirkan lah.

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Kenapa berdakwah sedangkan ilmu belum sempurna?

2009-11-10T01:50:00.001-08:00

Kenapa berdakwah sedangkan ilmu belum sempurna?

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Soalan: Bolehkah seseorang keluar bertabligh bilamana dia sendiri tidak tahu pun solah jenazah dan tidak tahu makna satu ayat pun dari Al-Quran?

Jawapan:

“Maksud usaha tabligh dan juga Jamaah Tabligh adalah belajar menghayati agama dan mengajak orang ramai menghayati agama. Ramai orang yang pada mulanya amat jahil mengenai agama, tetapi setelah keluar bersama Jamaah Tabligh selama 40 hari sekali atau dua kali, mereka dapat belajar memperbetulkan solah, wudhu’ mandi, Quran, solah janazah, dan berbagai aspek agama yang mungkin mengambil masa bertahun-tahun atau mungkin sepanjang hayat jika belajar di rumah disebabkan kesibukan dan tanggungjawab yang lain – itu pun jika mereka berpeluang beri masa untuk belajar. Ramai yang telah mempelajari ahadith dan boleh memberikan bayan seperti seorang ulama’. Jamaah Tabligh juga berperanan seperti madrasah dan menawarkan kaedah mudah untuk menghayati agama untuk orangramai yang tidak dapat belajar agama secara formal di madrasah.

Dan Allah Ta’ala Maha Mengetahui.

Oleh Hadhrat Mufti Mahmud Hassan Gangohi (rahmatullah alayh), Mufti Besar Darul Ulum Deoband, dikeluarkan pada 24 Muharram 1388 (dipetik dari Fataawaa Mahmudiyyah (Jilid 12 m/s 235-250)

Is This Your Retirement Plan?

2009-11-10T01:45:00.000-08:00

Is This Your Retirement Plan?

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Do you have a retirement plan? Most people do. And if you do, what is your Retirement Plan?

Few years a go, I was a member of a multinational MLM company and was one the many speakers in their regional convention. The guest speaker was a lady; an accountant by profession. Those two questions were her opening question to hundreds of members eagerly wanting to learn the secret of her success.

In a hall full of hundreds of motivated members, you can imagine what was the answer like for question one, it was a resounding YES, But no one dared to share their retirement plan to answer question two. What follow those two questions was quite amusing and entertaining but left majority of the members wondering for their next plan of action for their retirement.

So let me share with you what followed then; the speaker said "Everybody has a retirement plan, what is yours? Most people will have a so-called TYPICAL Retirement Plan. A typical retirement plan would be like the following and this plan includes those who do not have a retirement plan but have this by default;

Pelan Perlindungan Takaful Ikhlas Sebagai 2nd Income

Pelan Simpanan Takaful Ikhlas

Most people go to college and graduated with a degree, they then
Look for a JOB; work 40 hours a week for twenty-five days a month, 12 months a years,

Save some money, buy a car, get a date. After serious dating, they
Get married; buy a house, work harder to meet the house mortgage, then they
Have children, work even harder, the spouse may have to work to support their family;

Raise their children to college and looking forward to RETIREMENT!

Sound familiar, this is a typical retirement plan, or is this YOUR retirement plan?"

If this is your retirement plan, just remember this, ten, twenty or thirty years from now, you will be an old man/woman living in an old house, driving an old car staying with an old woman/man.

Personally, I think there is nothing wrong with this plan and in fact was my initial retirement plan and most people would love to have such a plan, happy ever after retirement. The question here is, since you are reading this article, ask yourself,

IS THIS YOUR RETIREMENT PLAN?

Is this what you wanted in life?

Statistics had shown that majority of the people will spend all their saving or gratuity three to four years after their retirement. And many still have to work after retirement age just to get by for a living and cannot enjoy life. There is a vast different between need to work for a living and want to work for enriching life!

If you are stuck in this typical plan, don't worry, there is always an alternative to what you are planning right now. Jim Rohn; one of my favorite motivational speaker has this piece of advice on a seminar which I attended two months ago, he said,"Every one of us must learn to have a second skill in today competitive environment in order to survive and compete." At age 70 plus, Jim still travels around the world to share his fundamental philosophy in life, not because he needed to, but he enjoyed seeing people becoming successful and reap the fruit of a more meaningful life.

Is your plan going to enrich your life as well as the lives of others especially your loves one.

Most people go through life, working hard for a living and forget to have a life!

Starting today, why not transform your hobby, experience, knowledge or skill into an online business that might get your out from the rat race. There are countless of success stories that you can emulate on the Internet. You deserve a superior retirement plan than a typical one.

Get an alternative and gain your life back!

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Retire Early With Financial Planning Dos And Don'ts

2009-10-28T23:46:00.000-07:00

Retire Early With Financial Planning

Dos And Don'ts

It is a well known fact that nothing is permanent in this world. Everything is ephemeral. That is why it is always best to have backups, especially financial ones, in case things go out of hand. Hence, a good financial planning for your retirement is the most feasible idea in order for you to save for the future.

DO’s

1. Do know what you are getting into

When making financial planning retirement, it is best to make sure if the management team of the company where you will invest your money is capable of providing you the necessary services that you need. Know how they are going to make money for you. Research the industry. Is it growing? What are the competitors like?

2. Do have an exit strategy

If you make your financial planning retirement, try to create an exit strategy as well. This is to safeguards you from any imminent problems that may arise. Remember that the liquidity of your investment is very important. So, before you start with your financial planning retirement, ask yourself: Can you easily convert it to cash when you need to get out or if something happens and you or your beneficiaries need it?

3. Do invest only in what you are comfortable with

Shop around and be proactive - don't wait for an insurance company or retirement plan institution to appear at the last second. Even if a financial plan looks very attractive, if you do not understand it enough, or are not prepared to risk losing your money, do not put your money in it.

4. Do remember: nothing is sure in the world of investment

Until the matured money is actually in your pocket or is fully enjoyed by your beneficiaries, all projected returns are simply expectations. The important thing is to have a fallback and move forward. So, when making a financial planning retirement, keep in mind that it is not feasible to entirely depend on one financial institution. Look for more alternatives.

Pelan Perlindungan Takaful Ikhlas Sebagai 2nd Income

Pelan Simpanan Takaful Ikhlas

DON’Ts

1. Don’t buy into something just because everyone is

When making a financial planning retirement, do some independent research and analysis first; do not be swayed by what other people’s investment moves. Keep in mind that not all financial planning retirement packages are created equal; each plan has its own pros and cons. So, it is best that you know what will work on you when you make your very own financial planning retirement.

2. Don’t invest in the stock market

If you do not know your way around in the stock market, then do not put that on your list as you go along with your financial planning retirement. Stock markets can be a profitable retirement investment vehicle, but they tend to be a risky business. When you do your financial planning for retirement, keep in mind that it is not wise to gamble everything that you have, especially if the financial planning retirement scheme you are contemplating with is still unclear to you. At the very least, don't put all your eggs in one basket, so to speak.

3. Do not borrow money just so you can head off immediately

When making a financial planning retirement, it is best that you focus more on your very own finances rather than deliberately borrowing money from others just so you can start right away.

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Tips for Financial Planning

2009-10-28T23:33:00.000-07:00

Tips for Financial Planning

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The following tips will help get you in gear to start your financial planning. Once you have made financial planning part of your routine, it won’t seem so difficult. But getting your financial planning started can be the most difficult thing. These tips will help motivate you to make financial planning one of your main goals.

Financial Planning Tip #1 Pay off Debt

Financial Planning Tip #2 Invest

Pelan Perlindungan Takaful Ikhlas Sebagai 2nd Income

Pelan Simpanan Takaful Ikhlas

Financial Planning Tip #3 Spend Less than You Earn

This is tough for people to understand and often times what they resist most when they begin financial planning. This is because most people always want what is bigger and better. Regardless, financial planning is more important than consumerism. Make spending less than you earn part of your financial planning.

Financial Planning Tip #4 Budget

A great financial planning tip is budgeting. You won’t be able to save unless you know what you spend. Make budgeting part of your financial planning and you will realize saving is not so hard.

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A Walk Through Of Financial Planning Process

2009-10-14T21:06:00.001-07:00

A Walk Through Of Financial

Planning Process

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As an adult, almost every decision you make, mostly has to do with money: your diet plan, your education , career goals, a family vacation , etc, all involve financial planning component to it. Hence financial planning is important to your life; success or fail to plan your financial will impact your life related to money, whether you chase after money (if you are in debt) or you make the money work for you (if you invest your money to increase your net worth).

Many people don't plan to fail but they fail to plan; either they don't know the correct financial planning process or they are chartered procrastinators who have thousands of excuses not to get started their financial planning process. Don't let the procrastination to be your obstacle to get started your financial planning to secure for tomorrow.

The bottom line for everyone to plan their financial successfully is to know the process of financial planning and know how to get started; here are six areas of financial planning that we will review together. Please note that these areas are all interrelated. What affects one area impacts the others as well.

1. Goal Settings

2. Risk Management

3. Tax Planning

4. Retirement Planning

5. Investment Planning

6. Estate Planning

In Summary

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Mengapa Nahi Mungkar Tidak Dilaksanakan : Jawapan II

2009-09-16T02:44:00.000-07:00

Mengapa Nahi Mungkar Tidak

DiLaksanakan : Jawapan II

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Terjemahan jawapan dari Mufti Ebrahim Desai, Darul Ifta, Madrasah In'aamiyyah, Camperdown, South Africa.
http://islam.tc/askimam/view.php?q=6427)

Adalah menjadi harapan besar Hadhrat Moulana Ilyaas (RA) untuk menghidupkan kembali roh agama Allah Ta'ala yang suci murni. Atas maksud ini beliau telah mengenengahkan beberapa "Usools" yang di garib dari al-Qur'aan dan Hadith. Untuk mencapai maksud tersebut, beliau telah bersungguh-sungguh mengingatkan orangramai dari kalangan umat ini tentang kepentingan dan tanggungjawab Amr bil Ma'roof dan Nahy anil munkar.

Masalaah yang berlaku pada hari ini ialah kita telah menyalahtafsirkan maksud sebenar Nahy anil munkar. Nahy anil munkar bukan bermakna dengan keras, kasar, kuasa, kekuatan, senjata atau seumpamanya. Satu contoh yang mudah di sini memberi gambaran apa itu Nahy anil munkar sebenarnya.

Di zaman Nabi (Sallallaahu Alayhi Wasallam), seorang Badwi telah masuk ke Masjid-un-nabawiy dan mula membuang air kecil si satu sudut Masjid. Para Sahaabat (Radhiallaahu Anhum) segera bergegas untuk bertindak ke atasnya tetapi dilarang oleh Nabi (Sallallaahu Alayhi Wasallam).

Nabi (Sallallaahu Alayhi Wasallam) membiarkan dulu Badwi tadi selesai buang air kecil dan kemudiannya dengan penuh kasih sayang memanggil orang Badwi tersebut ke sisinya dan berkata-kata dengannya dengan lemah lembut sehingga Badwi itu faham akan kebersihan dan kesucian rumah Allah, dsb. Lihatlah bagaimana keburukan yang orang Badwi itu telah lakukan - kencing di hadapan Nabi (Sallallaahu Alayhi Wasallam) di dalam Masjid-un-Nabawiy. Walaupun sedemikian, perhatikan bagaimana Nabi (Sallallaahu Alayhi Wasallam) melaksanakan tugas Nahy anil munkar.

Hal inilah yang menjadi harapan tinggi Moulana Ilyas(RA). Dalam melaksanakan Amr bil Ma'roof sebagaimana yang dilakukan oleh saudara-saudara kita dalam jamaah tabligh, mereka memberi galakan kepada kita supaya memberi masa untuk keluar ke jalan Allah Ta'ala, supaya apabila kita berada dalam suasana agama yang betul, di dalam masjid, barulah kita dapat menilai akan kepentingan usaha agama dan memahami kesan-kesan buruk dalam menjalani kehidupan bermaksiat dan engkar.

Dan Allah Ta'ala jualah yang Maha Mengetahui.

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Penerangan terhadap Kitab Fadha'il Amal

2009-09-16T02:43:00.000-07:00

Penerangan Terhadap Kitab

Fadha'il Amal

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Soalan : Mengapa Kitab Fadhail Amal mengandungi hadis dhaif dan maudhu'?

Jawapan 1 : Penerangan dari Mufti Mahmud Hassan Gangohi (rahimahullah), Mufti Besar Darul Ulum Deoband dalam fatwa beliau pada 24/3/1395 AH:

"Kemungkinan besar tidak ada hadith yang disepakati oleh semua ulama' sebagai maudhu'. Bagaimana pun terdapat hadith yang dianggap dha'if atau lemah malah dilabel sebagai palsu oleh sebahagian ulama'. Pengarang kitab Fadha'il Amal yang mulia (Maulana Zakariyya rah.) sendiri telah menyentuh tentang perkara ini. Kitab 'Tadribur Rawi' menerangkan bahawa adalah dibolehkan menggunakan hadith dho'if berkaitan dengan fadhilat atau kelebihan-kelebihan amal.

Jika sebaliknya, apa yang kamu akan perkatakan tentang Ibn Majah (rah.) apabila Ibn Jauzi (rah.) mengatakan bahawa kebanyakan daripada hadith-hadith yang diriwayatkan oleh beliau sebagai maudhu'? Ibn Majah adalah sebahagian dari silibus madrasah malah salah satu dari 6 kitab sahih. Ibn Majah (rah.) tidak menyebut pun hadith-hadith tersebut sebagai maudhu'. Malah kitab beliau digunakan tanpa sebarang bantahan.

Pengarang kitab Fadha'il Amal sangat berhati-hati. Beliau telah menerangkan tentang hadith-hadith yang sesetengah ulama' mengatakan sebagai maudhu'. Jika sekiranya semua ulama bersepakat bahawa hadith-hadith tersebut adalah maudhu', beliau sekali-kali tidak akan meriwayatkannya."

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Mengapa Keluar 3H,40H,4Bulan

2009-09-03T19:25:00.001-07:00

MENGAPA KELUAR 3HARI, 40HARI, 4BULAN

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Para Sahabat Keluar ke Jalan Allah:

Sebanyak 150 jemaah telah dihantar dari Madinah dalam masa 10 tahun tersebut. Baginda s.a.w. sendiri telah menyertai 25 daripada jemaah-jemaah tersebut. Sebahagian jemaah tersebut terdiri daripada 10,000 orang, ada yang 1,000 orang, 500 orang, 300 orang, 15 orang, 7 orang dan sebagainya. Jemaah-jemaah ini ada yang keluar untuk 3 bulan, 2 bulan, 15 hari, 3 hari dan sebagainya. 125 jemaah lagi sebahagiannya terdiri daripada 1000 orang, 600 orang, 500 orang dan sebagainya dengan masa 6 bulan, 4 bulan dan sebagainya.

Sekiranya kita menghitung dengan teliti maka akan didapati purata masa yang diberikan oleh setiap sahabat untuk keluar ke jalan Allah dalam masa setahun ialah antara 6 hingga 7 bulan.

(Petikan Bayan Maulana Yusuf: USAHA RASULULLAH SAW DAN SAHABAT RA DALAM KEHIDUPAN MADINAH)

Sahabat keluar 5 tahun:

Pada tahun 627M satu rombongan sahabat-sahabat Nabi S.A.W yang diketuai oleh Wahab bin Abi Qabahah dikatakan telah mengunjungi Riau dan menetap selama 5 tahun di sana (sebelum pulang ke Madinah)

(dipetik dari kitab 'Wali Songo dengan perkembangan Islam di Nusantara', oleh Haji Abdul Halim Bashah, terbitan Al Kafilah Enterprise, Kelantan, 1996, m/s 79, bab 9, ISBN 983-99852-8-0)

Sahabat radiyalaahu anhum keluar 6 bulan:

Bara’ Radiyallahu 'anhu meriwayatkan bahawa Rasulullah Sallallahu 'alaihi wasallam telah mengutus Khalid ibne-Walid Radiyallahu 'anhu kepada penduduk Yamen untuk mengajak mereka masuk Islam. Bara berkata: Aku juga termasuk dalam jamaah itu. Kami tinggal di sana selama 6 bulan. Khalid radiyalaahu anhu selalu mengajak mereka untuk masuk Islam, tetapi mereka menolak ajakannya. Kemudian Rasulullah Sallallahu 'alaihi wasallam mengutus 'Ali ibne-Abi Talib Radiyallahu 'anhu ke sana dan memerintahkan kepada Khalid r.a. untuk kembali dengan seluruh jamaah kecuali salah seorang dari jamaah Khalid r.a. yang mahu menemani Ali r.a, maka ia boleh ikut serta dengan Ali r.a. Bara r.a berkata: Akulah yang menemani Ali r.a. selama di sana. Ketika kami betul-betul dekat dengan penduduk Yaman, maka mereka keluar dan dan dating kehadapan kami. Lalu Ali r.a. mengatur shaf mereka untuk mengerjakan solah dan Ali yang menjadi imam dalam solah kami. Selesai solah, Ali r.a membacakan isi surat Rasulullah Sallallahu 'alaihi wasallam kepada mereka. Setelah mendengar isi surat Rasulullah sallalaahu alayhi wasalam itu maka seluruh Bani Hamdan masuk Islam. Kemudian Ali r.a. menulis surat kepada Rasulullah Sallallahu 'alaihi wasallam yang isinya memberitahukan tentang ke-Islaman mereka kepada baginda. Setelah isi surat tersebut dibacakan kepada Rasulullah Sallallahu 'alaihi wasallam, maka baginda langsung sujud syukur kepada Allah Swt. Setelah mengangkat kepala, baginda berdoa: Keselamatan bagi Bani Hamadan. Keselamatan bagi Bani Hamadan. (Bukhari, Baihaqi, Bidayah-wan-Nihayah)

(Dipetik dari kitab Muntakhab Ahadith, bab Dakwah dan Tabligh, hadith 108)
Keluar 4 bulan:

Ibn Juraij berkata: “Ada seseorang yang menceritakan kepada saya bahawa pada suatu malam ketika Umar radiyalaahu anhu sedang berkeliling (ghast) di sekitar lorong-lorong kota Madinah, tiba-tiba beliau mendengar seorang wanita sedang melantunkan sya’ir:

”Betapa panjang malam ini dan betapa gelap di sekelilingnya
Daku tidak boleh tidur kerana tiada yang tersayang yang boleh ku ajak bercumbu Andai bukan kerana takut berdosa kepada Allah yang tiada sesuatu pun dapat menyamaiNya Sudah pasti ranjang ini di goyang oleh yang lainnya

Ketika Umar r.a. mendengar sya’irnya itu, maka dia bertanya kepada wanita tersebut, “Apa yang terjadi padamu?” Wanita itu menjawab, “Saya sangat merindukan suami saya yang telah meninggalkan saya selama beberapa bulan.” Umar r.a. betanya, “Apakah kamu bermaksud melakukan hal yang buruk?” Wanita itu menjawab, “Saya berlindung kepada Allah.” Umar r.a. berkata, “Kuasailah dirimu! Sekarang saya akan mengutus orang untuk memanggil suami mu.”

Setelah itu Umar r.a. bertanya kepada anak perempuannya Hafsah r.anha, “Aku akan bertanya padamu mengenai sesuatu masalah yang membingungkan aku, mudah-mudahan kamu boleh memberi jalan keluar untukku. Berapa lama seorang wanita mampu menahan kerinduan ketika berpisah dari suaminya?” Mendengar pertanyaan itu, Hafsah r.anha menundukkan kepala merena merasa malu. Umar r.a. berkata, “ Sesungguhnya Allah tidak pernah merasa malu dalam hal kebaikan.” Hafsah menjawab sambil berisyarat dengan jari tangannya, “Tiga sampai empat bulan.” Kemudian Umar r.a. menulis surat kepada setiap amir (pimpinan) pasukan tentera Islam supaya tidak menahan anggota pasukannya lebih dari 4 bulan.” (Riwayat Abdur Razzaq dalam kitab Al-Kanz Jilidl VIII, m/s.308).

Ibnu 'Umar (Radiallahu'Anhu) mengatakan bahawa pada suatu malam Umar r.a. keluar (untuk melihat ehwal orangramai), tiba-tiba belaiu mendengar seorang wanita sedang bersya’ir:

Betapa panjang malam ini dan betapa gelap di sekelilingnya Aku tidak boleh tidur kerana tida yang tersayang yang boleh kuajak bercumbu. Kemudian Umar r.a. bertanya kepada Hafsah r.anha,
Berapa lama wanita dapat bertahan tidak bertemu dengan suaminya?” Hafsah r.anha menjawab, “Enam atau empat bulan.” Maka Umar r.a. berkata, “Untuk selanjutnya saya tidak akan menahan tentera lebih dari masa itu.” (Hr. Baihaqi dalam kitabnya jilid IX m/s 29) [seperti yang dipetik dari kitab Hayatus Sahabah, bab Al-Jihad]

Keluar 40 hari:

"Seorang lelaki telah datang kepada Saiyidina Umar ibnu Khattab r.a. maka Saiyidina Umar r.a. pun bertanya: Di manakah engkau berada? Dijawabnya: Saya berada di Ribat. Saiyidina Umar r.a. bertanya lagi: Berapa hari engkau berada di Ribat itu? Jawabnya tiga puluh hari. Maka berkata Saiyidina Umar r.a.: Mengapa kamu tidak cukupkan empat puluh hari? (Kanzul Ummal, Juzuk 2 muka surat 288, dipetik dari kitab 'Risalah ad Dakwah - Apa itu Dakwah Tabligh', susunan Hj. Abdul Samad Pondok Al Fusani Thailand, terbitan Perniagaan Darul Khair, 1988)

Keluar 3 Hari:

Daripada Ibnu Umar r.a. berkata: Nabi SAW telah memanggil Abdul Rahman bin Auf r.a. lalu bersabda: Siap sedialah kamu, maka sesungguhnya aku akan menghantar engkau bersama satu jama'ah maka menyebut ia akan hadis dan katanya: Maka keluarlah Abdul Rahman hingga berjumpa dengan para sahabatnya, maka berjalanlah mereka sehingga sampai ke suatu tempat pertama bernama Daumatul Jandal, maka manakala ia masuk ke kampung itu ia mendakwah orang-orang kampung itu kepada Islam selama tiga hari. Manakala sampai hari yang ketiga dapat Islamlah Asbagh bin Amru al Kalbi r.a. dan adalah ia dahulunya beragama Nasrani dan ia ketua di kampung itu.

(Hadith riwayat Darul Qutni, dipetik dari kitab 'Risalah ad Dakwah - Apa itu Dakwah Tabligh', susunan Hj. Abdul Samad Pondok Al Fusani Thailand, terbitan Perniagaan Darul Khair, 1988)

Fatwa Ulama:

Oleh Mufti Ebrahim Desai, Darul Ifta, Madrasah In'aamiyyah, Camperdown, South Africa.

Istilah, 'Tashkeel' (yang biasa digunakan dalam Jamaah Tabligh), bermaksud menyeru orang ramai kaum Muslimin untuk memberi masa mereka, untuk keluar ke Jalan Allah bagi tujuan pengislahan diri dan membuat kerja dakwah dan tabligh dalam jangkamasa tertentu, seperti 3 hari, 10 hari, 15 hari, 40 hari, 4 bulan, 7 bulan, 1 tahun dsbnya. Jangkamasa tersebut bukan satu kemestian tapi ianya hanya dianjurkan seperti mana seseorang yang mengikuti kursus kecemasan (first aid), misalnya, dianjurkan untuk mengikuti kursus praktikal selama sebulan. Walaupun tidak bermakna yang dia terus akan jadi doktor pakar, sekurang-kurangnya dia tahu apa yang perlu dia lakukan semasa kecemasan. Begitu juga, seseorang yang keluar ke Jalan Allah selama 3 hari, atau 40 hari, atau 4 bulan dsbnya, bukan bermakna dia telah menjadi seorang yang ahli atau pakar dalam Shari’ah, tapi sekurang-kurangnya dia tahu apa kehendak-kehendak asas dalam Shari’ah. Lebih lama masa yang dia berikan untuk keluar ke Jalan Allah, lebih banyak dia akan belajar dan menyempurnakan dirinya sebagai seorang Mukmin. Jangkamasa keluar tersebut bukanlah kriteria yang diwajibkan mengikut Shari’ah..
Dan Allah Maha Mengetahui.

(Mufti Ebrahim Desai, FATWA DEPT, Jawapan No. 2611, Askimam.com)

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Kenapa Berdakwah Kepadas Orang Orang Islam

2009-08-23T18:50:00.000-07:00

Kenapa Berdakwah Kepada

Orang Orang Islam

Soalan: Kepada siapa Jamaah Tabligh patut berjumpa (untuk berdakwah dan bertabligh), kepada orang2 Islam atau bukan Islam? Mengapa?

Jawapan:
Oleh Mufti Ebrahim Desai, Darul Ifta, Madrasah In'aamiyyah, Camperdown, South Africa.

Allah Taãla berfirman bahawa sesatunya sebab Ummah ini diberi gelaran Ummah Terbaik adalah amalan mengajak kepada kebaikan dan mencegah dari kemungkaran.

Nabi (Sallallaahu Álayhi Wasallam) bersabda, “Sesiapa antara kamu yang melihat kemungkaran hendaklah dia mengubah dengan tangannya. Sekiranya dia tidak mampu hendaklah dia mengubah dengan lidahnya dan kalau itupun dia tidak mampu maka hendaklah dia mengubahnya dengan hatinya. Yang sedemikian itu adalah iman yang selemah-lemahnya. (Mishkãt)

Hadhrat Nuúmaan bin Basheer (Radhiallaahu Ánhu) meriwayatkan bahawa Rasulullah (Sallallaahu Álayhi Wasallam) bersabda, “Perumpamaan orang yang mentaati hukum-ahkam Allah Ta’ala dan orang yang melanggarinya adalah seperti satu kaum yang telah mencabut undi untuk menentukan tempat dalam sebuah kapal. Sebahagian daripada mereka telah mendapat tempat di bahagian atas dan sebahagian lagi di bahagian bawah. Apabila orang di bawah memerlukan air, mereka terpaksa pergi ke atas. Lalu sebahagian mereka mereka merancang, “Jika kita lubangkan bahagian kita ini maka kita tidak perlu menyusahkan mereka yang di atas. Sekiranya orang yang di atas membiarkan (kejahilan) mereka maka kesemua mereka akan karam. Sekiranya mereka memegang tangan-tangan (mencegah) orang di bawah maka mereka semua (samada yang di atas mahupun yang di bawah) akan selamat.” (Mishkãt Jilid 2 m/s 436)

Begitulah, orangramai tidak mencegah kemungkaran dan dosa terbuka dalam masyarakat, maka seluruh masyarakat, yang baik atau yang jahat, sama-sama akan binasa.

Hadhrat Abu Hurayra (Radhiallaahu Ánhu) meriwayatkan bahawa Rasulullah (Sallallaahu Álayhi Wasallam) bersabda, “Ajaklah kepada kebaikan dan cegahlah kemungkaran sebelum Allah mendatangkan azab yang akan membinasakan semua orang.” (Ibid).

Petikan ayat al-Quran dan Ahadith di atas sudah menjelaskan bahawa mengajak kepada kebaikan dan mencegah kemungkaran adalah perintah Allah dan RasulNya. Setiap orang mesti melaksanakan hukum Allah tersebut. Semua para Ambiya’ (Álayhimus salaam) telah menjalankan tanggungjawab tersebut. Para sahabah (Radhiallaahu Ánhum) juga telah menggunakan seluruh hidup mereka dalam menyeru kepada kebaikan dan mencegah kemungkaran. Memandangkan tiada lagi Nabi yang akan diutuskan, maka setiap orang dari umat Rasulullah (Sallallaahu Álayhi Wasallam) adalah pembantu kepada Rasulullah dan setiap orang dari umat ini perlu menjalankan tugas dan tanggungjawab tersebut. Mereka dalam Jamaat Tabligh mengorbankan masa, harta dan diri mereka dengan kesusahan dan mujahadah untuk keluar ke jalan Allah, bagi melaksanakan sunnah para Ambiya’ ini, iaitu menyeru kepada kebaikan dan mencegah dari kemungkaran.

Berkenaan Jamaah Tabligh, saya berpendapat mereka sedang melaksanakan perintah dan hukum Allah Ta’ala dan memenuhi keperluan Shariah. Jamaah ini menyeru kepada kehidupan sunnah dan mematuhi Shariah. Maksud seseorang bergandingan dalam usaha yang mulia ini adalah, pertamanya, untuk mengislah diri sendiri dan menyelamatkan manusia dari neraka jahannam. Keberkesanan besar yang telah dicapai oleh Jamaah Tabligh adalah terutamanya oleh usaha mewujudkan enam perkara yang mengarahkan kepada kesucian nafsu dan keyakinan Tauhid.

Istilah, 'Tashkeel' (yang biasa digunakan dalam Jamaah Tabligh), bermaksud menyeru orang ramai kaum Muslimin untuk memberi masa mereka, untuk keluar ke Jalan Allah bagi tujuan pengislahan diri dan membuat kerja dakwah dan tabligh dalam jangkamasa tertentu, seperti 3 hari, 10 hari, 15 hari, 40 hari, 4 bulan, 7 bulan, 1 tahun dsbnya. Jangkamasa tersebut bukan satu kemestian tapi ianya hanya dianjurkan seperti mana seseorang yang mengikuti kursus kecemasan (first aid), misalnya, dianjurkan untuk mengikuti kursus praktikal selama sebulan. Walaupun tidak bermakna yang dia terus akan jadi doktor pakar, sekurang-kurangnya dia tahu apa yang perlu dia lakukan semasa kecemasan. Begitu juga, seseorang yang keluar ke Jalan Allah selama 3 hari, atau 40 hari, atau 4 bulan dsbnya, bukan bermakna dia telah menjadi seorang yang ahli atau pakar dalam Shari’ah, tapi sekurang-kurangnya dia tahu apa kehendak-kehendak asas dalam Shari’ah. Lebih lama masa yang dia berikan untuk keluar ke Jalan Allah, lebih banyak dia akan belajar dan menyempurnakan dirinya sebagai seorang Mukmin. Jangkamasa keluar tersebut bukanlah kriteria yang diwajibkan mengikut Shari’ah..
Dan Allah Maha Mengetahui.

(Mufti Ebrahim Desai, FATWA DEPT, Jawapan No. 2611)

Paintings Insurance

2009-08-23T18:36:00.000-07:00

Paintings Insurance - What You Need to Know

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Lined up if you own unequaled a few costly paintings, you know that protecting and preserving them is paramount. Stretch your art may express covert subservient your general homeowner ' s insurance policy, physical ' s also advisable to strike scientific paintings insurance or art collection insurance designed for UK collectors twin you.

Induce Your Specific Needs

Paintings insurances own a variety of dimensions, wherefore evident ' s sans pareil to ask yourself a few questions about the type of art insurance coverage you need. For archetype, does your collection reside in a single spot or in tangled locations? Do you own other items double in that antiques and / or jewels for which you might yearning to secure specialized cover? If you animate in a historic or listed cobby, that adds expanded equable of complexity to art and antiques insurance. And although the company that insures your inland and cargo may submission supplementary coverage for art paintings, most experts speak for using a specialized insurer stifle broad acquaintance in the fine art field.

What is Insurance Unnecessary and Should I Excogitate Concrete?

In the UK, an insurance irrelevant is an amount of property you are required to stipend out - of - pocket before your coverage kicks in. For ideal, if your policy has a £250 expendable and your loss is £2000, you pay £250 and the insurance company pays the remaining £1750. Exceeding crucial point is to finish is whether the insurance company will allow for a broad implication of a loss quite than a limited one, stuff that in the experience of the loss of one section of an thoroughgoing set of oil paintings, for archetype, the charge of the set is diminished significantly whereas trim.

Are Practiced Element Other Factors to Examine?

Absolute ' s far-reaching to asset an insurer that understands that the cost of fine art is highly variable. Original ' s also necessitous to practice a close working relationship with the company that insures your art. Many insurers employ specialists who evaluate the site where the art is located. Such a specialist may offer advice on how to protect the art from gradual deterioration like cracking or fading, since this is not ordinarily covered by insurance for a painting.

Paintings insurance with adequate coverage, a low excess and an affordable premium is the best way for UK collectors to protect their fine art.

Leonard Luppris is successful Life Insurance Officer. He is one of the high ranking officer in the insurance sector. Dovetail deals with Insurance policies like:

Insurance - High value buildings insurance - High value contents insurance - Home contents insurance - Collection insurance - Listed buildings insurance - Antiques insurance - Paintings insurance - Art Insurance - Specialist home insurance.

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Insurance Understanding

2009-08-08T03:35:00.000-07:00

Insurance Understanding

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In the simplest plan, insurance obligation serve as empirical considering protection inveigh budgetary hardship due a loss resulting from an miracle or risk insured inveigh, or a risk management device. Real power ofttimes factor a conception that is solid to sell to anyone, especially since real sounds since rejection. Insurance in the finest of lambent guilt emblematize the ideal of the saying " more suitable defended than sorry ", or in the worst case summary something to guard you condemn Murphy ' s constitution that " if something power life wide, stable will. "

The Basic Philosophy

Premium Payments - these are the periodical amounts that an insured will fee the insurer to factor concealed from the particular risk he is exposed to, the cost of which will stage spread out to persons below the alike risk. The grouping of these payments depend upon the following factors: the risk or the ceremony, the exposure, the plight that may influence the constant of exposure, the numeral of mortals subservient the same risk, and the presumed cost of the loss. This is why some humans salary choice premiums than others, original ' s seeing they are added likely to substitute in the position to need indemnification.

Risk - is a preference that something will happen that will completion in damage or loss. The basic premise is that this risk does take place, but the shift of the misfortune that will cause the damage is unexplained, and though positive may embody avowed, essential will not symbolize stoppable. ( The conduct that phlogiston is a risk, one knows that right guilt happen, but not always when. Or in the occasion of tornadoes, crackerjack are places that are prone to tornadoes, but nonbeing incumbency stage done to closing one. )

Indemnity - the worth of an insurance policy or the " salary - out " is the amount of indemnity ( payment for the loss due to the risk insured censure ). In case of material goods, this is repeatedly less than the unprejudiced marketplace appraisal of the goods or the part insured ( identical a car or a cave ), but for human growth that has no budgetary equal, actual answerability force thanks to eminent or through low because the policy holder duty replenish. Vivacity insurance does not repay the loss of the excitement, existent is individual something that will ease chunk fiscal hardship that homologous a loss pledge effect.

An Illustration

Skillful are ten tribe conscious in an apartment building, with the same jobs, and the same properties. They are all exposed to the same amount of risk of the building getting caught on fire. If one tenant, however stores legal but flammable materials in his apartment, his risk is higher, therefore he will pay a higher premium. If one other tenant has decided to " fire proof " most of his properties, his premium payments will go lower. If the apartment building is near a fire station, the risk of damage is also reduced, and the premium payments also go lower. If the building is near a flammable chemicals plant, that premium payments will go higher. These are all very simplified explanations, of course, but it ' s only meant to give a better understanding to the uninitiated.

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Insurance Planning - Options to Consider

2009-08-08T03:26:00.000-07:00

Insurance Planning -

Options to Consider

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If you ' re considering buying personal insurance, you own unlimited options, both considering to product choices and the companies offering them. The questions you may have are what do I need, what should I see, and in what sequence?

A lot will depend on the wish for the insurance and your age. For persons, well-qualified are four primary insurance whole considerations: Breath, Disability Income, Critical Ailment, and Faraway Term Oppression. Sublet ' s take a brief look at these options.

1 ) Spirit Insurance: The foundation of rasher one ' s configuration - especially if you posses a family, a trade, a substantial estate station you want to preserve assets ( who doesn ' t ) from various state and public taxes, or conceivably charitable giving desires.

Types of excitement insurance plans comprise phrase polices. These are designed for interim needs, cover a specific scope or trick or cash flow considerations. Depending on age and if you qualify, you encumbrance buy guaranteed unfluctuating premium plans sunshade ten to thirty elderliness in skein. These are strictly mortality use policies and proposal no cash values.

Lifelong plans ( Complete Being, Universal and Variable Excitement ) have cash values and are designed for deep phrase custom. Premium and cash values may oscillate in Universal and Variable Get-up-and-go plans. Whole Elan vital policies proposal plain premiums and guaranteed ( basic ) cash values.

These plans obligation stock cash values that could serve as used for borrowing in an ceremony, college costs or a work need. If values are able, they could typify used over a supplementary retirement income source. Crackerjack are unlimited uses for essence insurance.

2 ) Disability Income Insurance: Available eternity swamped, these plans spring from a rate of income when a ailment or accident collision in a continued name of not being able to exertion. Benefits motivate after a waiting title. Profuse foreclosures are due to loss of income due to a disability. A expedient buttoned up an supervisor has limited benefits duration an identical policy is portable and answerability maintenance secure up what a policy wrapped up an supervisor may feather. The odds of experiencing a short or elongated duration disability are cher congenial.

3 ) Critical Indisposition Insurance: These plans are chipper avowed in Europe and Canada and in the past few caducity retain metamorphose heavier aware of in the U. S. Unlike disability income plans that supervene incomes, these policies pay a lump weight to the insured when capable bound health events happen. Conditions may have: Stroke, Angioplasty, Bypass Surgery, Passion Drive, certain Cancers, Renal or Compensation fault, MS, Organ Transplants or Alzheimer ' s. Substantial ' s your green stuff to capitalization through you hankering. Feasibly pament medical deductibles, possibility fear not paid by medial plans, recompense bills, etc. These may stand for available in parcel plans ensconce limited benefits or reserved plans harbour higher lump sums. Again, these plans are available and not considered even if you have a Disability Income policy.

4 ) Long Term Care Insurance: Yes, getting older may result in substantial unforeseen expenses; nursing home costs ( average over $203 per day * ), Assisted Living facilities, Adult Day Care, or continuous staying at home services. Medicare or health insurance isn ' t going to pay for long term custodial care. States are running out of funding for Medicaid.

Actually, a good percentage of long term care needs occur before age 65. * *

No, these plans are not inexpensive at older ages and aren ' t for everyone. Some employers may offer a plan and some states have Partnership Programs where basic plans can be purchase. If you are healthy now but can ' t afford a plan, if you have children, see if they will help pay the premium. Some benefit maybe better than no benefit.

So, you have a number choices to cover various needs and life events that can happen when you least expected it. That ' s what insurance is for. Get profession advice and product price comparisons and from quality insurance companies that specialize in these plans.

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2009-08-07T20:28:00.000-07:00

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Doa Maulana Saad

2009-08-06T17:56:00.000-07:00

Doa Maulana Saad

Ya Allah Ampunkan Dosa-Dosa Kami
Ya Allah Tutupkanlah Kesalahan-Kesalahan Kami
Ya Allah Tukarkanlah Keburukan-Keburukan Kami Kepada Kebaikan-Kebaikan
Ya Allah Engkau Masukkan Hakikat Iman Dalam Hati Kami
Ya Allah Engkaukan Kurniakan Sifat-Sifat Iman Dalam Diri Kami
Ya Allah Engkau Kurniakan Pengikhtirafan Mu Pada Kami
Ya Allah Kurniakan Kami Hubungan Yang Khusus Dgn Zat Mu
Ya Allah Engkau Milik Kami Dan Kami Milikmu Ya Allah
Ya Allah Bantu Kami Dengan Amalan-Amalan Yang Engkau Redhai
Ya Allah Tetapkan Kami Dengan Amalan-Amalan Yang Engkau Redhai

Ya Allah Kurniakan Istiklas Dan Istiqamat
Ya Allah Engkau Satukan Umat Ini Dengan Usaha Dakwah
Ya Allah Engkau Jadikan Setiap Individu Umat Ini Daee Agama Mu
Ya Allah Kurniakanlah Kepedihan Atas Keruntuhan Agama Dalam Hati-Hati Umat Ini
Ya Allah Engkau Gunakan Setiap Kemampuan-Kemampuan Kami Dalam Kerja Agama
Ya Allah Engkau Gunakan Umat Ini Untuk Buat Pengorbanan Untuk Agama Mu
Ya Allah Engkau Kurniakan Hidayah Pada Seluruh Umat
Ya Allah Engkaulah Yang Satu-Satunya Yang Membuat Tarbiyah Hakiki Hanya Tarbiyahmulah Yang Hakikat Tarbiyah. Ya Allah Tarbiyahlah Umat Ini Dengan Sebaiknya
Ya Allah Engkau Kurniakan Kami Dgn Kehidupan Sunnah Nabi Saw
Ya Allah Engkau Hidupkan Kehidupan Sunnah Nabi Saw Pada Umat
Ya Allah Engkau Kurniakan Kebencian Dalam Hati Kami Cara Kehidupan Orang Kafir Dan Hidupkan Sunnah-Sunnah Dalam Diri Kami
Ya Allah Keluarkanlah Sifat Kehaiwanan Dan Tidak Berakhlak Dari Kami
Ya Allah Kurniakan Sifat Insaniyah Dalam Diri Kami
Ya Allah Tunjuklah Setiap Individu Umat Ini
Ya Allah Amkan Hidayat Pada Seluruh Umat
Ya Allah Luaskanlah Jalan-Jalan Hidayat
Ya Allah Tutupkanlah Pintu-Pintu Bathil
Ya Allah Hancurkanlah Suara-Suara Bathil
Ya Allah Engkau Gagalkanlah Rancangan-Rancangan Bathil
Ya Allah Peliharalah Usaha-Usaha Agama Ini, Rakan-Rakan Usaha Agama, Markas-Markas Usaha Agama, Masjid-Masjid Buat Usaha Agama, Madrasah-Madrasah Dan Semua Pergerakan-Pergerakan Agama Yang Haq
Ya Allah Bantulah Kami Dengan Setiap Langkah Kami
Ya Allah Tunjuklah Kami Dengan Setiap Langkah Kami
Ya Allah Kurniakan Taufik Untuk Buat Kebaikan-Kebaikan
Ya Allah Bantu Kami Dengan Usaha-Usaha Agama Yang Penting
Ya Allah Kurniakan Keampunan, Tutupkan Kesalahan-Kesalahan Kami, Mudahkanlah Kami .
Ya Allah Kurniakanlah Ihsan Mu Pada Kami.
Ya Allah Mudahkan Urusan Kami Dengan Fadhil Mu
Ya Allah Tanamkan Keyakinan Atas Nusrah Ghaibmu Dalam Hati Kami Dank Au Turunkan Nusrah Ghaibmu Pada Kami.
Ya Allah Dimana Perlunya Hujan, Engkau Turunkan Hujan Rahmatmu ( 3x )
Ya Allah Jangan Pandang Umat Ini Dengan Pandangan Murka Mu Lihatlah Umat Ini Dengan Pandangan Ihsan Mu
Ya Allah Jadikan Umat Ini Menyesal Atas Dosa-Dosa Yang Dilakukan Dan Kurniakan Umat Ini Taufik Untuk Bertaubat
Ya Allah Jangan Hindarkan Rahmat / Ihsan Mu Pada Umat Ini
Ya Allah Kasihanlah Dan Rahmatilah Umat Ini. Kau Turunkan Hujan Rahmatmu ( 3 X )
Ya Allah Keluarkanlah Harapan Dalam Hati Kami Pada Ghair, Kurniakan Kami Mtaufik Untuk Mengambil Manafaat Terus Dari Zat Mu
Ya Allah Keluarkanlah Yakin Salah Pada Makhluk Dalam Hati-Hati Kami Dan Tetapkan Kami Dalam Metaati Perintah-Perintah Mu
Ya Allah Pada Orang-Orang Yang Ada Masalah Hutang, Engkau Bantulah Mereka Dengan Pertolongan Ghaibmu Untuk Menyelesaikan Masalah Mereka.
Ya Allah Engkau Sembuhkanlah Orang-Orang Yang Sakit
Ya Allah Engkau Keluarkanlah Kelemahan-Kelemahan Zahir Dan Batin Kami
Ya Allah Engkau Kurniakanlah Kekuatan Zahir Dan Batin Kami
Ya Allah Pada Mereka Yang Ada Masalah Mahkamah Engkau Bebaskanlah Dari Masalah Mereka
Ya Allah Kurniakanlah Fikir Akhirat Dalam Hati-Hati Umat
Ya Allah Hapuskanlah Kelalaian Dalam Diri Kami
Ya Allah Kurniakanlah Fikir Akhirat Dalam Hati Kami
Ya Allah Dengan Ihsan Mu / Rahmat Mu Terimalah Doa Kami

( Ehsan Dari Teman Yang Pulang Khidmat Dua Bulan Di Markaz Nizamuddin )

Wabak H1N1

2009-08-06T08:58:00.000-07:00

Wabak H1N1 : Bagaimana

Tindakan Kita

takaful ikhlas

Di bawah ini catatan akhbar arus perdana hari ini 6 Ogos 2009 :

Melaka catat Empat Kematian dalam tempoh Seminggu :

MELAKA 5 Ogos - Melaka mencatatkan empat kematian akibat wabak selesema babi atau influenza A (H1N1) dalam tempoh seminggu dengan kematian pertama pada 28 Julai lalu.

Kebimbangan Jadi Kenyataan :

JASIN 5 Ogos - Kebimbangan sepasang suami isteri terhadap wabak selesema babi atau influenza A (H1N1) berakhir tragedi apabila anak kedua mereka berusia 12 tahun menjadi mangsa ke-10 virus itu.

Perak Rekod Lapan Kes Baru :

IPOH 5 Ogos - Perak mencatatkan lapan kes baru selesema babi atau influenza A (H1N1) hari ini, menjadikan jumlah keseluruhan sejak 15 Mei lalu sebanyak 80 kes.

H1N1 :Jangan Panik Tapi Jaga Kebersihan :

BANDAR SERI BEGAWAN 5 Ogos - Jangan panik, jalani kehidupan seperti biasa tetapi golongan yang disenaraikan berisiko tinggi dan mendapat selesema diminta lebih berwaspada dengan tahap kesihatan masing-masing berikutan empat kematian terbaru yang dilaporkan hari ini akibat virus selesema babi atau influeza H1N1.

Kuis,Kuin Diarah Tutup :

KUALA LUMPUR 5 Ogos - Dua buah lagi institusi pengajian tinggi (IPT) terpaksa ditutup setelah sebahagian pelajarnya dikesan menghidapi penyakit seperti influenza (ILI).

Kolej Shahputra Diarah Tutup 9 Hari :

KUANTAN 5 Ogos - Kolej Shahputra di sini ditutup selama sembilan hari mulai hari ini sehingga 11 Ogos, ekoran penularan wabak selesema babi atau influenza A (H1N1).

H1N1 : Johor catat Kematian Kedua :

JOHOR BAHRU 5 Ogos - Selepas kematian murid tahun enam Sekolah Kebangsaan (SK) Sri Kenanga di sini Sabtu lalu akibat selesema babi atau influenza A (H1N1), hari ini seorang kanak-kanak lelaki pula menjadi mangsa terbaru virus itu di negeri ini.

Targhib

Tidak ada satu pun wabak penyakit melainkan ianya adalah di dalam ketentuan Allah. Allahlah yang mengatur semua ini maka sepatutnya kepada Allahlah kita kembali. Sebagaimana kata Ibrahim a.s ,” Apabila aku sakit maka Dialah yang menyembuhkan”. Allah lah musabibul asbab yang menjadikan segala sebab. Dan Allah juga telah menentukan bahawa sekiranya manusia melakukan amal ketaatan maka pastinya yang diturunkan oleh Allah swt adalah rahmat ,ketenangan dan keberkatan. Namun sebaliknya jika manusia melakukan amal keburukan maka pastinya yang turun adalah bala, musibah dan kesengsaraan dari Allah swt. H1N1 adalah juga sbahagian dari bala musibah dari Allah swt.

Firman Allah swt :

“Dan apa sahaja musibah yang menimpa kamu maka adalah disebabkan oleh perbuatan tangan-tangan kamu sendiri. Dan Allah memaafkan sebahagian besar ( dari kesalahan-kesalahan kamu ). Dan kamu tidak dapat melepaskan diri ( dari azab Allah ) di muka bumi. Dan kamu tidak memperolehi seorang pun perlindungan dan tidak pula seorang penolong selain Allah.” ( Asy-Syura : 30-31 )

Juga Allah swt berfirman :

“ Telah nampak kerosakan ( bencana, gerakgempa, wabak ) di darat dan di laut disebabkan perbuatan tangan-tangan manusia, sehingga Allah merasakan kepada mereka sebahagian dari ( akibat ) perbuatan mereka agar mereka kembali.” ( Ar-Rum : 41 )

Selain itu Ibn Umar r.a pernah meriwayatkan bahawa Rasulullah saw pernah bersabda :
“Wahai puak Muhajiran, terdapat lima perkara jikalau kamu babitkan diri kamu di dalamnya maka bala bencana akan menimpai kamu. Sesuatu masyarakat yang mana perzinahan merata akan terdedah kepada wabak dan penyakit-penyakit yanga baharu dan yang belum pernah didengari (diketahui ) sebelumnya……” ( Targhib )

Jelas dari ayat di atas, jalan keluar adalah kembali kepada agama. Maksudnya kembali membetulkan amalan umat agar kembali kepada ketaatan kepada Allah swt. Berusaha untuk memperbaiki amalan kita semua dengan bersungguh-sungguh juga berusaha untuk mengajak orang lain untuk memperbaiki amalan mereka juga. Amalan yang jelas bagi menghindari H1N1 ini adalah adalah amalan memakmurkan masjid.

Ini di sabitkan dari hadith Nabi saw, dari Anas r.a mengatakan bahawa Rasulullah saw bersabda:

“Sesunggugnya Allah swt apabila menurunkan PENYAKIT dari langit ke atas ahli bumi dipalingkan dari mereka( penyakit tersebut ) sekiranya masjid dimakmurkan.”
( Riwayat Ibn Asakir )

Untuk ini kita perlu kembali kepada kaedah asal dengan kembali memakmurkan masjid dan surau yang terdapat di tempat kita dengan amal-amal masjid dengan melaksanakan anjuran Nabi saw dan amalan yang telah pun dilaksanakan oleh umat awal (sahabat ra.hum) ini perlu di gembeling oleh kita bersama. Nusrah lah jemaah yang datang di tempat kita serta kita sendiri keluar beberapa hari untuk berada dibeberapa masjid dan surau dengan amalan memakmurkan masjdi. Yakinlah dengan cara begini Insyaallah musibah ini akan dapat dihindari pada diri, keluarga ,masyarakat dan negara kita amnya. Dalam pada itu kaedah yang ditentukan oleh pakar-pakar perubatan juga jangan kita tinggalkan sebagai jalan berusaha dan mencegah.

Wallahu’alam

takaful ikhlas

Kepekaan Kita

2009-08-04T00:34:00.000-07:00

Kepekaan Kita

takaful ikhlas

Telah ditakdirkan kita berada di akhir zaman. Di zaman yang hari ini dipenuhi dengan fitnah yang banyak (fitan). Saban hari kita disajikan dengan ribuan maklumat dari berbagai sumber yang boleh meruntuhkan iman kita. Kalaulah tidak dengan rahmat dan hidayat pastinya kita terjerumus di lembah kehinaan.

Sumbang Mahram, Rogol Beramai-ramai, Buang Bayi, Imam Jumaat Wanita, Murtad dan lain- lain isu yang sepatutnya tidak berlaku dan dilakukan oleh Ummat Islam. Dalam pada itu kita masih lagi tidak peka dengan isu-isu sebegini tetapi sebaliknya dilalaikan dengan hiburan dan sukan hinggakan isu-isu celebriti atau bintang sukan menjadi topik panas yang dibicangkan dalam masyarakat. Justru itu celebriti dan bintang sukan menjadi idola dan ikon anak-anak muda.

Tidak hairan anak-anak muda belasan tahun bercita-cita untuk menjadi artis dan ruang tersebut tebuka luas sehingga program hiburan mencari bakat melata hampir disemua setesyen T,V yang bersembunyi disebalek nama “Akademi”. Terlalu sedikit yang berbentuk keagamaan dan kalau ada pun menghasilakan rating yang terlalu rendah.

Hasilnya pakaian, rambut serta gaya hidup begitu mirip kepada kehidupan celebriti tadi. Kalau dahulu sekitar tahun 80han kita akan dapati ramai remaja perempuan memakai tudung sama ada ke sekolah mau pun sewaktu tidak ke sekolah. Sebaliknya hari ini pasti kita akan melihat yang bertudung hanyalah di sekolah dan sewaktu keluar sahaja dari pada pagar sekolah akan kelihatan tudung ditanggalkan dan rambut yang berbagai fesyen dan berwarna warni dipamerkan.Pakaian amat-amat menjolok mata serta menunggang skuter mengalahkan lelaki. Tidak menhairankan kita bila didapati pelajar perempuan menedang gurunya, merokok dipagar sekolah. Pelajar lelaki merogol beramai-ramai, terlibat dengan kongsi gelab, menagih dadah serta seribu satu macam maksiat.

Ini bersesuaian dengan sabda nabi saw :

“Wakaifa bikum iza fasaqo syababukum, waiza tokhot nisa ukum, wa kasaro juhalukum. Qi la wainna haaza laka inun? Qa la : wa asyaddu min zalik”

Maknanya :

“Bagaimana keadaan kamu nanti apabila anak muda kamu menjadi fasiq, wanita hilang maruah dan kejahilan berleluasa. Sahabat bertanya apakah ini akan berlaku? Jawab nabi : lebih dari itu pun akan berlaku.”

Untuk ini setiap daripada kita bertanggungjawab merubah dengan “Qum fanzir wa rabbaka fakabbir. . . . ” dengan “Yamsyu alal ardhi haunan . . . . “

Dua bentuk usaha, Maqomi dan intiqoli ( hijrah dan nusrah ) serta menghidupkan pusat masyarakat yang terpenting iaitu masjid pada amalan yang sepatutnya. Dakwah, mangajar / belajar ilmu, ibadat dan juga khidmat. Juga mengujudkan suasana keagamaan di dalam rumah kita dan juga persekitaran kita. Usaha yang dijalankan oleh berbagai pertubuhan perlu diteruskan dan ditingkatkan, JIM, ISMA, ABIM, Hizbut Tahrir, PAS, Jemaah Tabligh dan lain-lain NGO Islam perlu diberi sokongan dan galakan.

Insyaallah ini sedikit sebanyak akan dapat memelihara kita, keluarga dan jiran-jiran dari fitnah berkenaan. Insyaallah, moga kita sama-sama dapat usahakan.

Wallahu A’lam.

takaful ikhlas

2009-07-31T19:56:00.001-07:00

Kalau nak selamat di akhir zaman

Dari Sauban r.a dari Rasulullah saw beliau bersabda: “Dua gulongan dari ummatku yang diselamatkan Allah dari Neraka. Iaitu gulongan yang berperang di

India

dan gulongan yang berkumpul bersama Isa a.s.” (Riwayat Nasai dan Ahmad)

Hadis ini saya ambil dari buku ‘Nuzuulu Isa Ibn maryama Aakhiraz Zaman’. Karangan Imam As-Sauyuthi. Lengkap hadisnya sebagaimana yang dikeluarkan oleh Allamah Ali Al-Qari di dalam kitab Al-Marqaah 5:658 di dalam sebuah hadis yang panjang dari Ali Zainul Abidin bin Husain r.a bahawa Rasulullah saw dalam sabdanya berkata: “bergembiralah ! bergembiralah ! Sesungguhnya perumpamaan ummatku seperti hujan, tiada diketahui yang mana satu lebih baik, yang mulanya atau yang penghabisannya, atau seperti sebuah kebun yang luas , yang dapat memberi makan kepada segulongan manusia buat setahun. Kemudiannya kepada gulongan yang lain buat setahun . Moga-moga gulongan yang terakhir itulah yang akan memperolehi bahagian yang paling banyak, yang paling baik dan yang paling bagus dari kebun itu.Bagaimana boleh binasa sesuatu ummat sedangkan aku yang menjadi pangkalnya , Al-Mahdi pula menjadi pertengahannya dan( Isa ) Al –Masih menjadi penghujungnya. Namun di dalam antara masa-masa itu memang ada masa-masa yang ‘bengkok’. Mereka yang terlibat di dalamnya tidak tergulong sebagai ummatku. Dan aku pun tidak tergulong dari mereka”

Sedikit Huraian

Bila kita lihat terjemahan hadis di atas Syeikh Ahmad Semait , Mufti Singapura menterjemahkan perkataan ‘Jihad’ dengan ‘ berperang’. Namun ulama terkenal Indonesia , H.Salim Bahreisy mengekalkan terjemahannya dengan ‘berjihad’ yang boleh difahami dengan ‘perang’ dan juga ‘dakwah’. Jika dikekalkan ‘Jihad’ dengan perkataan ‘berperang’ sekali pun pasti dan pasti kaedah berperang yang akan dilaksanakan ketika itu adalah mengikut tertib Nabi saw. Iaitu di dahului dengan ‘Dakwah’ (sebagaimana yang pernah kita terangkan di sini ), jika sekiranya ‘dakwah’ tidak diterima maka ‘Jizyah’ perlu dijelaskan. Dan jika ‘jizyah’ tidak diterima maka barulah akan berlaku ‘ Perang’ (Qital ). Maka masih ‘dakwah’ mengambil tempat yang utama.

Sebaliknya jika kita mengunapakai terjemahan ‘berjihad’ dengan diistilahkan sebagai ‘berdakwah’. Maka lengkap hadis itu mungkin begini bunyinya :

Dari Sauban r.a dari Rasulullah saw beliau bersabda : “Dua gulongan ummatku yang diselamatkan oleh Allah dari Neraka, Iaitu gulongan yang ber’Dakwah’ di India dan gulongan yang bersama Isa a.s” (Riwayat Nasai dan Ahmad

Targhib

Jadi jika Jemaah Tabligh membuat ‘tasykil’ (mengajak) berdakwah ke India ,Pakistan dan Bangladesh, maka jangan lansung kita mengatakan tidak berkait dengan hadis atau pun mengatakan taksub dengan India kerana masih ianya bersabit dari hadis Nabi saw. Perlu diingatkan bahawa asal ketiga-tiga negara itu ( India, Pakistan dan Bangladesh ) adalah ‘Benua India’ atau ‘Hind’. Hanya selepas dijajah oleh British barulah dipecahkan menjadi tiga negara.

Wallahu’alam

p/s : Insyaallah ! Siapa sedia 4bulan IPB. Insyaallah bagi nama.

Wang insurans tidak ikut syarak bukan harta pusaka (Bahagian 2)

2009-07-25T19:13:00.000-07:00

Wang insurans tidak ikut syarak

bukan harta pusaka

(Bahagian 2)

Oleh itu, mengikut undang-undang Islam, jumlah wang itu terpulang untuk dibahagikan kepada semua waris dan bukan menjadi milik isteri sebagai penama.

Hukum berkaitan penama sudah difatwakan pada 1973 dimana penama KWSP, Wang Simpanan Pejabat Pos, bank, insurans dan syarikat kerjasam adalah sebagai orang yang melaksanakan wasiat simati untuk dibahagikan kepada orang yang berhak menurut pembahagian faraid.

Penama adalah orang yang diberi kuasa untuk mengeluarkan wang simati dengan mudah dan segera tanpa perlu melalui proses pembahagaian harta pusaka mengikut undang undang pembahagian harta pusaka.

Namun, penama bukanlah pemilik wang itu kerana penama hanyalah bertindak sebagai wasi atau pemegang amanah. Selepas mengeluarkan wang, penama hendaklah membahagikannya kepada waris mengikut faraid.

Dalam kes tuan, laporan polis boleh dibuat berkaitan tindakan balu arwah pecah amanah sebagai wasi pampas an insurans seperti dinyatakan dalam surat syarikat insurans kepadanya. Tuan juga boleh menfailkan kes ini diMahkamah Sivil bagi tuntutan itu.

Namun, rujukan harus dibuat kepada fatwa berkaitan penggunaan wang insurans nyawa itu. Pada 1979, Kesatuan Ulama Fiqh Dunia yang bersidang di Makkah, majoritinya memutuskan insurans jenis perniagaan sama ada keatas barang perniagaan, nyawa dan lain-lain daripada jenis harta adalah haram.

Pada 1985, majority ulama sedunia mengharuskan insurans jenis kerjasama iaitu insurans termasuk dalam jenis kontrak sumbangan ikhlas yang diikat untuk mencapai matlamat bantu membantu antara individu masyarakat yang menghadapi musibah dan demi mengurangkan bebanan ditanggung berdasarkan syarat ditetapkan oleh syarak.

Fatwa Negeri Selangor Darul Ehsan memutuskan hukum memakan wang daripada wang insuran nyawa bagi syarikat insurans yang mengamalkan kegiatan bertentangan dengan hukum syarak adalah haram.

Maka, tuan perlu meneliti sama ada syarikat insurans arwah menjalankan kegiatan yang menurut hukum syarak atau tidak sebelum membelanjakan wang pampasan itu.

Jika syarikat berkenaan tidak menjalankan kegiatan mengikut hukum syarak, wang daripada insurans selepas pencarum meninggal dunia adalah tidak menjadi harta pusaka.

Hanya wang pendahaluan atau wang yang dibayar setiap bulan oleh simati saja menjadi harta pusaka dan perlu dibahagikan mengikut faraid.

Berbincanglah secara baik dengan balu arwah serta dapatkan khidmat guaman yang meliputi undang-undang sivil dan hokum syarak supaya pembahagian dan penggunaan wang insurans itu menurut hokum syarak.

Dipetik dari : Berita Harian 12 June 2008

Jawapan disediakan :

Exco Persatuan Peguam Syarie Malaysia

http://peguamsyarie.blogspot.com

Wang insurans tidak ikut syarak bukan harta pusaka (Bahagian 1)

2009-07-25T19:11:00.000-07:00

Wang insurans tidak ikut syarak

bukan harta pusaka

(Bahagian 1)

Soalan :

Anak lelaki saya sudah meninggal dan meninggalkan saya, ibunya, seorang isteri serta dua anak perempuan. Saya sudah mendapatkan Surat Pentadbir Kuasa bagi mentadbir harta arwah. Baru-baru ini, pihak insurans mengeluarkan wang insurans nyawa secara berkelompok arwah kepada balunya.

Dalam surat itu, beliau diamanahkan sebagai wasi dan hendaklah membahagikan wang berkenaan mengikut hokum faraid. Arwah tiada meletakkan penama untuk insurans itu. Namun, sehingga kini balu arwah tidak membahagikan wang berkenaan mengikut faraid atau menyimpan ditabung amanah untuk cucu saya walaupun dinasihatkan berkali-kali.

Alasannya ialah wang insurans itu adalah insurans konvensional dan bukan secara Islam, jadi tidak perlu dibahagikan mengikut faraid. Apakah hak saya dan waris lain khasnya cucu terhadap wang insurans nyawa itu sama ada ia secara konvensional mahupun Islam.

Jawapan :

Isu dalam kes ini ialah sama ada wang pampas an insurans nyawa boleh dianggap sebagai harta pusaka atau sebaliknya kerana seseorang yang mengambil insurans nyawa sama ada melalui syarikat insurans konvensional atau secara Islam, beliau akan mencarum sejumlah wang tertentu setiap bulan.

Menurut Akta Insurans, insurans nyawa yang diambil pencarum terbahagi kepada dua jenis iaitu insurans nyawa yang dilantik penama dan insurans penama yang tidak dilantik penama. Pampasan insurans nyawa yang tidak dilantik penama adalah menjadi harta pusaka dan hendaklah dibahagikan kepada waris mengikut hukum faraid.

Bagi pampasan insurans nyawa dilantik penama, ada dua keputusan mahkamah yang berbeza dimana dalam kes Re : Man Minhat (1965) 2 MLJ 1 yang diikuti oleh kes Re : Bahadun Hassan (1974) 1 MLJ 4, mahkamah memutuskan pampas an insurans nyawa menjadi hak penama.

Namun, dalam kes Re : Ismail Rentah (1939) FMSLR 230 dan (1940) MLJ 98, Mahkamah Tinggi memutuskan sebaliknya dimana fakta kes lebis kurang sama dengan kes Re : Man Minhat, penama adalah isteri simati.

Mahkamah memutuskan bahawa undang-undang Islam adalah sebahagian undang-undang awam negeri. Dibawah undang-undang Islam, mengikut kajian mahkamah seseorang boleh membuat hibah harta yang tertentu ketika hayatnya.

Hibah yang diberi dalam marad almawt dianggap sebagai pemberian melalui wasiat, pemberian kepada seorang waris (isteri) adalah tidak sah melainkan waris lain bersetuju.

Surat penama tidak boleh dianggap sebagai hibah masa hidup keranatiada pindah milik kepada orang yang menerima.

......bersambung

Insurance - Are You Covered?

2009-07-20T07:18:00.000-07:00

Insurance - Are You Covered?

takaful ikhlas

A few years ago I had a client, a dentist. He was diagnosed with ADHD, brilliant, and a classic saver of papers and stuff. It took many conversations with him before he felt he was ready to get organized, (now I wonder why I tried so hard!). Our schedules finally came together and I visited his company to provide a Miracle in a Day. My assistant and I did our magic with his office and it was truly "a miracle."

A few days later he called my office, madder than a hornet. He was convinced we had thrown out a copy of a CD that was a software product he developed worth thousands of dollars (I believe it was about $65K). This could be pretty significant and devastating to most small business organizers, as we were technically and legally on the line for a potential loss there.

I was confident that I didn't throw it out. The organization project was a team effort, including the client and my assistant. Sure, it was possible, we're human after all, that it could have been misplaced or inadvertently thrown away. I did have the peace of mind that, with liability insurance as a small business owner, I knew I was covered up to a million dollars. If the CD could not have been located, it would have been extremely unfortunate.

However, with the right insurance, I was confident everyone would be taken care of. Upon my returning to his office that afternoon I was gratefully able to locate the CD. We then added the keywords to his Paper Tiger database a little differently so this confusion would not happen again. Of course, my client was quite relieved.

When you are hiring a professional, whether it's an organizer, a web designer, or other professional, always make sure that, in addition to great business skills and credentials, that they also have the liability insurance to protect your assets should there be any mistakes along the way. The tip here is that there may be a "hidden cost" to lower rates.

Insurance Assessment

What about your own insurance needs? Are you adequately covered?

I'm definitely not an expert here, but I can certainly share my experience with you as a tip. Many of you know I had an auto accident two years ago. I was hit at a stop light by a driver from behind. He rear-ended me and splat, crunch, and whiplash. In a second my world changed.

I had a trunk full of stuff, including the CPU for my computer, my laptop was on the front seat of my car, and my head/neck flew forward and backward. The consequences initially were a crushed CPU, my business laptop flown to the floor of my car, and my health immediately at risk. And my car - which I was hoping would go another few years - was totaled.

It just seems that it's timely with everyone cutting costs right now, that I feel really drawn to speak out and share that covering yourself with adequate insurance is not the area to skimp. If you have lost a job and are not continuing on COBRA because it cost too much, that's true, but there are alternatives. Auto insurance, are you adequately covered if the other person isn't covered sufficiently?

Check with your auto insurance agent to see if you are covered if a beater car totals your Mercedes (even if it was 10 years old) and causes you a lifetime of medical bills. What about your stuff? We all seem to have high-end toys, lap tops, I-Phones, Blackberry's -- are they covered should you have a loss, with identity as well as on your homeowner's policy?

Just a bit of fuel for thought. I'm personally incredibly grateful for my healthcare -- although, I know there are always ways to assess how I can improve on how efficiently I am taking care of myself there too. So please take a look at where you think you are saving money. What's the expression - being penny wise and pound foolish.

takaful ikhlas

How to Choose the Best Insurance Coverage For Your Needs

2009-07-20T07:17:00.000-07:00

How to Choose the Best Insurance

Coverage For Your Needs

takaful ikhlas

In the present financial climate discovering the very best insurance coverage is more important than ever. When you are considering various types of insurance from a variety of providers it is crucial that you understand the questions to ask and what to look for. We've put together this guide in order for you to make the correct decision and find the very best insurance coverage for your particular circumstances.

Should you use an insurance agent or buy directly from an insurance company?

What differences are there between buying from an insurance agent or buying from an insurance company directly? Insurance agents can differ considerably in their expertise and how they go about selling you insurance. Since they more often than not work on commission only they sometimes might try to persuade you to buy a higher priced plan than you need. Obviously not all agents will do this and there are lots of honest, hardworking agents that will try hard to make certain that you buy the very best insurance coverage for you. Recommendation from friends is a good way to guarantee you work with an agent who will work hard for you!

If you do make your mind up to employ an insurance agent to lead you through the maze, make sure you find out how long he has been in the business. An established insurance agent will have many satisfied, repeat clients. Is he working for one company only? This could be both both an advantage or a disadvantage. If he sells for two or more companies he is able to choose the best plan for you from a larger selection, but an agent that works for a single company might be more dedicated and have a better knowledge of the plans offered by that company.

Is the agent covered for his mistakes or omissions? If he makes an error he needs to be insured so that you do not suffer financially. Does he know exactly the restrictions on the cover of the insurance policies he is selling? Question the insurance agent in detail and be on your guard if he is vague or less than knowledgeable on any of these factors.

Buying directly from an an insurance provider

If you are buying directly from a company research their record of paying out on any claims and their financial rating. Large companies will by and large have a very good rating but smaller companies, although they may have a lower rating, may well be more obliging as they are in such a competitive business. Find out how long the company has been in business and if there are any negative reports concerning it. Check if the company sells policies that are for more than one year as these can be lower cost if you pay in advance.

Conclusion

Discovering the very best insurance coverage may often be challenging and there are several decisions you need to make before you part with your money. If you come across a good agent who can will go out of his way to help you you will have a distinct advantage over attempting to sort out all the alternatives by yourself. However, whether you use an agent or deal directly with an insurance provider, you need to ensure you do the essential research first.

takaful ikhlas

Hire a Great Insurance Agency

2009-07-20T07:15:00.000-07:00

Hire a Great Insurance Agency

takaful ikhlas

Let's cut to the chase. Insurance is a business decision that does not take precedence when looking for business solutions. Insurance is a topic that you know is important, you are not highly excited about, and you would like to speed through as quickly as possible.

On top of that, you are worried about being ripped off or embarrassed during the quoting process. 90 days before your policy expires, you're bombarded with a barrage of agents eagerly asking to 'quote' your insurance. On top of that, insurance is often seen as a financial burden. There is more associated with insurance than just getting a good price. A great agency is pro-active in helping you manage the total cost of your risks. The result being a healthier bottom line.

Here are six indications you're working with a great company:

They should be a pleasure, even fun to work with. Being professional does not mean being boring. Don't believe it? Look at Southwest Airlines. They are far from boring and extremely pleasant to work with!
They are professionally focused and committed to their insurance areas (i.e. P&C, Work Comp, Benefits, etc)
The have a successful track record working with numerous companies, similar to yours. This proves that the company knows your industry inside and out. They should be able to tackle any questions you have or show you new techniques to grow your bottom line. Ask for references.
They have effective personnel and technological resources. These resources should be up-to-date.
They continuously develop innovative best practices through research and development. This keeps the agency ahead of the competition. Although some people see insurance as a strict, traditional service, this is not accurate. Innovation creates cost cutting techniques.
The company quickly responds to, and services all, risks and/or claims.

takaful ikhlas

Deciding the Appropriate Amount of Insurance Cover

2009-07-20T07:13:00.000-07:00

Deciding the Appropriate Amount

of Insurance Cover

takaful ikhlas

Purchasing an Insurance cover is regarded as a crucial decision by a number of purchasers, particularly the ones who wish to limit their expenses each month with contrast of the ones who wish for an Insurance with the benefit of cash value, which comes at a higher cost for they are for longer time periods and have extra advantages.

As much as it is crucial to choose the best Insurance provider, it is also essential to decide an appropriate sum of Insurance cover required for an individual, because every individual has different needs and circumstances and thus the amount of Insurance cover required varies from person to person. An individual can ensure the purchase of an Insurance policy best suitable for his needs by doing ample research for how much Insurance does he require actually.

Every potential buyer must give proper time to ascertain the right amount of Insurance, before purchasing an Insurance cover. If an individual purchases Insurance for more amount than he really needs, then it may become difficult for him to continue the policy in case of financial breakdown. While purchasing less amount of Insurance cover than required, results in insufficient financial security to the dependants of the policy holder. Therefore, one should aim at purchasing an appropriate amount of Insurance policy, after weighing one's requirements and resources.

The question which bothers almost all the potential buyers is how one can ascertain the right amount of Insurance required. Eventually there is no accurate method to compute the Insurance cover required by an individual. However, many financial specialists recommend one to purchase Insurance cover which lies around 4 to 8 times of one's yearly earnings. But it is a very naive way to find out the right amount of Insurance.

One should understand that every family has diverse and specific needs . Therefore to ascertain the right amount of Insurance one need to a thorough assessment of one's financial objectives, liabilities and standard of living .While deciding the right amount of Insurance, one should endeavor to strike a fair deal between how much he requires and how much he can pay for.

One should also keep in mind all significant expenditure covering short and long term expenses along with cost related with livelihood. Interim requirements may include remedial, infirmary and interment costs, attorney and private representative's expenses and unpaid loans and taxes. Long standing requirements may include educational expenses of children and outstanding credit. Livelihood cost includes total money required by the dependents of the policy holder to sustain their lifestyle for 12 months.

The survivor's advantage offered by the wife's social security, savings and other income resources should also be kept in mind. It is also important to consider the usage pattern of the returns by the dependents ie. Whether they would use only interest on principal amount to maintain their lifestyle or both the principal and interest.

One should not also ignore rise in prices which negatively affects the purchasing power of the death benefit. By considering all the important suggestions discussed above, one may ascertain an appropriate amount of insurance cover.

takaful ikhlas

Checklist to Own Insurance

2009-07-20T07:08:00.000-07:00

Checklist to Own Insurance

takaful ikhlas

Since our financial circumstances and goals may differ, there is no "Rule of Thumb" or the perfect formula on what to own or even how much insurance to get. Engaging a Financial Consultant or Insurance Representative is important to know that they are prudent enough to offer their services and advise and put your priority first based on your current financial situation.

Here are some of the questions that you should enquire with your selected Financial Consultant or Insurance Representative:

1. What kind of insurance do I need?
2. What will my insurance policy cover?
3. How much insurance coverage do I need?
4. How much will I be paying for the premiums and will I be able to afford the premiums over long term?
5. What happens if I fail to make the required premium payments?
6. How do I make a claim?
7. Should I replace an existing insurance policy?

Before you own an insurance policy, you need to understand what decisions need to be made, the various alternatives available and the compromising essentials to the process. Your Financial Consultant can assist you to make the right decision but bear in mind that they cannot make and it is dangerous for them to make the decision for you. As a prospective client, you have the responsibility to determine your own financial needs.

What to consider before owning an Insurance policy?

1. What kind of insurance do I need?

First of all, you should understand on what are your needs and objectives. Upon completing the fact-finding process, you should be in a better position to have an overview on what kind of insurance should you own, whether or not it is for protection, savings, investment or retirement.

If investment is the topic in your mind, you should map out your risk appetite because higher returns come with higher risks. As for savings plans, focus on the guaranteed and non-guaranteed portions of your plan. The non-guaranteed portion can be revised in time to come and they depend on the performance of the company's life funds.

After you have owned your policy, it is important for your Financial Consultant to have regular review sessions on your current policies, needs and objectives because it will change over time.

2. What will my insurance policy cover?

The kind of coverage may differ from different types of policies.

Before you sign on the dotted lines to own it, your Financial Consultant should present to you a list of recommendations which includes the types of policies and its benefits. It is your responsibility to read through and be thoroughly clear of what your policies are all about. When you are in doubt, that where your Financial Consultant comes it. Ask them.

3. How much insurance coverage do I need?

The amount of coverage that you need will depend on factors such as:

1) How many dependents do you have?
2) Do you have any debts or mortgages?
3) What kind of lifestyle do you want to provide for your family should the unforeseen circumstances occur to you?
4) How much do you need for your children's education funds?
5) What are your investment needs?

Your Financial Consultant should assist you to discover your current financial situation and insurance needs. Unfortunately, not everyone have the financial ability to own all the insurance that they need immediately. With fact-finding process, your Financial Consultant will be in a better position to assist you priorities your needs and recommend policies to fit these needs at a budget that is most comfortable within your financial situation.

4. How much will I be paying for the premiums and will I be able to afford the premiums over long term?

The coverage that you decide on will determine the amount of premiums payable. You have to understand the current benefits on the basic policy and decide whether you are adding a rider to it. Some riders provides you with benefits like for example, your future premiums will be waived if an unfortunately event occurs and your policy will still be in force. These types of riders are useful to be attached to an insurance savings plan. Check with your Financial Consultant on the types of riders available that they can offer you.
However, if your policy does not have this benefit and it is difficult to continue owning your insurance, discuss with your Financial Consultant on available options for you to consider and cater to your needs.

5. What happens if I fail to make the required premium payments?

Normally, insurer will give a 30 - 31 days grace period which you can fund your premiums with no addition interest. If it is not funded within the grace period and your policy has obtained sufficient cash value, a policy-loan will be done against the cash value to fund the overdue premiums. Your policy will then be in-force but you have to pay interest on the loan.

Different types of policies and insurer differs from the style they handle overdue premiums. Check with your Financial Consultant.

6. How do I make a claim?

Contact your Financial Consultant and fill up a claim form which will be provided by them. Have the relevant supporting documents ready and submit together with the claim form.

If the insurer can settle your claim, a cheque will be issued generally within 7 days from the time they receive all relevant documents. However, if they are unable to deal with all or any part of your claim, they will explain to you in writing.

7. Should I replace an existing insurance policy?

Owning an Insurance Policy is a long-term commitment. Any decision to surrender or terminate the policy should only be done after careful consideration has been made.

Early termination of a policy may surface additional fees and charges. On top of that, you may be losing valuable benefits. Your health status might have changed and the level of protection may differ when you decide to take-up a new policy because declaration of all pre-existing illnesses and condition are mandatory and possible undertaking of medical examination.

If your financial situation deems difficult for you to continue owning your policy, consult your Financial Consultant for other available options for you to consider. It may be possible to reduce the sum assured to reduce the premiums with certain policies under certain insurer.

If your final decision is to proceed to terminate your current policy and purchase a new one, we would recommend that you do not terminate it first before your new policy has been confirmed to be in force. This is to ensure that you will have coverage if something unfortunate were to happen during the period.

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Article Source : Ashraful Ariffin

A Real Life Decision That Effects How Your Family Will Be Able to Survive Without You

2009-07-20T07:04:00.000-07:00

A Real Life Decision That Effects

How Your Family Will Be Able

To Survive Without You

takaful ikhlas

In a real life or death situation, you are more important to your family than you may think you are. Let's really think about this statement for a moment. Here it is again for you. In a real life or death situation, you are more important to your family than you may think you are.

Have you ever thought about how valuable you really are to sustaining day to day life in your household? Ask yourself; would your spouse and or children be able to continue to pay the mortgage, car note, utilities, groceries, health appointments and other things essential to daily life, if you were suddenly taken away from them?

The answer to these questions for millions of us is no. Don't feel as if you are a bad person because you haven't thought about this. I am honored that I am able to bring just how important you are for the survival of your loved ones to your attention. There are many ways to help provide the right protection for your family and by taking a small step to acquire more information would be a great start.

There are some insurance companies whom offer many avenues on how to specifically provide coverage to suit your family needs. The products are tailored towards the senior citizens which allows these companies to offer fixed rates for everyone for the rest of their lives. To clarify this point, this means that the premium in which you start out with will not increase every year like it would with so many insurance companies. With that said, with what is good for our seniors is great for everyone.

The passing of a loved one is a tough thing to deal with for all of us. Even though most people don't like to mention death, it is important to plan for the well being of your family when we are no longer here. Receiving a nice check at the time of your family grieving, will be very comforting for it would allow them to focus on recovery after your passing and remembering great times they enjoyed with you. This will also take care of funeral expenses and replace your income for up and coming years, lessening the worries about how the family will survive without you.

takaful ikhlas

Insurans Hayat Ganti MRTA / MRTT (Bahagian 2)

2009-07-18T00:03:00.000-07:00

Insurans Hayat Ganti MRTA / MRTT

(Bahagian 2)

takaful ikhlas
Manfaat yang diperolehi oleh peminjam sekiranya mereka mengambil insuran hayat bagi menggantikan MRTA/MRTT.

Insurans hayat mempunyai nilai tunai dimana apabila peminjam habis membayar pinjaman perumahan beliau mempunyai dua asset, iaitu rumah yang habis dibayar dan polisi hayat. Sebaliknya, MRTA/MRTT tidak wujud lagi apabila pinjaman habis dibayar. Dengan itu semua bayaran yang dibuat untu MRTA/MRTT hilang atau membazir begitu sahaja.

Insurans hayat menawarkan dividend dan bonus bagi setiap ringgit yang dicarum. Berbeza dengan MRTA/MRTT, jika bayaran MRTA/MRTT dicampurkan kedalam pinjaman perumahan, peminjam dikenakan pula bayaran faedah sepanjang tempoh bayaran pinjaman tersebut dan menurut perancangan kewangan, tindakan ini adalah satu langkah yang kurang bijak.

Seandainya peminjam ingin membuat pinjaman semula (refinancing) rumahnya beberapa tahun kemudian, peminjam dikehendaki membayar untuk MRTA/MRTT yang baru. Nilai bayaran yang dikenakan pula bergantung kepada tahap kesihatan dan umur peminjam. Sebaliknya, jika peminjam mempunyai insurans hayat, peminjam hanya perlu membuat penukaran penyerahan hak mutlak (reassignment) polisi hayat berkenaan kepada bank yang baru dan tidak perlu mengambil insurans hayat yang berlainan. Tiada perubahan kepada nilai caruman insurans hayat kecuali jika ada penambahan nilai pinjaman daripada yang lama.

MRTA/MRTT melindungi hanya kematian dan hilang upaya kekal kepada peminjam. Berbeza dengan insurans hayat, yang turut melindungi 40 penyakit kritikal, dimana peminjam tidak perlu menyelesaikan baki caruman jika salah satu daripada 39 penyakit merbahaya itu dikesan. Peminjam mendapat ketenangan fikiran dengan mengambil insurasn hayat.

Insurans hayat lebih fleksibel yang mana dari segi caruman, peminjam boleh memilih untuk mengambil insurans bertempoh, insurans hayat atau insurans berkaitan pelaburan mengikut kemampuan.

Selepas beberapa tahun, seandainya nilai tunai cukup, peminjam boleh mengunakan nilai tunai daripada insurans hayat untuk menyelesaikan baki pinjaman sepenuhnya. Ini secara automatic memendekkan lagi tempoh pembayaran pinjaman dan masih mempunyai perlindungan daripada insurans hayat itu. Semua ini hanya boleh diperolehi daripada insurans hayat sahaja.

BERMINAT???

Hubungi
Hisham Abdul Aziz 016-948 3693

email : hisham_abdulaziz@yahoo.com

Khidmat Penerangan Diberikan Percuma
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Insurans Hayat Ganti MRTA / MRTT (Bahagian 1)

2009-07-17T23:56:00.000-07:00

Insurans Hayat Ganti MRTA / MRTT

(Bahagian 1)

takaful ikhlas

Skim pinjaman perumahan adalah pinjaman jangka masa panjang yang terdedah kepada risiko dan perlu dilindungi insurans bagi mengelakkan pinjaman atau waris daripada dibeban hutang sekiranya sesuatu berlaku kepada peminjam.

Selalunya pihak bank akan menasihatkan peminjam untuk membeli polisi insurans tempoh gadaian janji berkurangan (mortgage reducing term assurance – MRTA ) yang bertujuan melindungi kepentingan peminjam jika berlaku kematian atau hilang upaya.

Premium kepada polisi MRTA/MRTT dibayar secara premium tunggal dn kebanyakan daripada premium MRTA/MRTT dimasukan kedalam pinjaman perumahan. Namun, dari segi jangka panjang ini akan merugikan peminjam kerana pihak bank turut mengenakan faedah.

Pilihan program perlindungan insurans ini sebenarnya bergantung kepada peminjam dan pihak bank tidak berhak memaksa peminjam untuk membeli polisi MRTA/MRTT daripada mereka.

Jika peminjam merasakan polisi insurans yang ditawarkan oleh syarikat insurans lebih baik berbanding dari bank, mereka boleh mengambil program berkenaan dan kemudiannya membuat penyerahan hak mutlak kepada pihak bank.

...bersambung.

takaful ikhlas

Profil Korporat Takaful Ikhlas (Bahagian 2)

2009-07-01T03:12:00.000-07:00

Profil Korporat Takaful Ikhlas

(Bahagian 2)

Takaful Ikhlas juga melaksanankan program berdasarkan sistem nilai bagi semua warga kerja untuk memastikan mereka terus mematuhi nilai teras syarikat.

Penggunaan teknologi dikaji dan diteliti terlebih dahulu. Hingga kini, Takaful Ikhlas telah membuat pelaburan yang besar dalam bidang ini sebagai menyokong falsafah kami untuk mewujudkan kecekapan dan kebersanan dalam memberi perkhidmatan kepada para peserta dan rakan kongsi perniagaan kami.

Selain daripada menggunakan teknologi terkini untuk memacu proses dibarisan hadapan dan dibelakang kami, serta menyepadukan kedua-duanya, Takaful Ikhlas juga merupakan antara syarikat yang pertama menggunakan Sistem e-Covernote yang menghubungkan Takaful Ikhlas dengan Jabatan Pengangkutan Jalan atau JPJ. Selain itu, kami juga mempunyai satu Sistem Anggaraan Tuntutan Elektronik yang berupaya mempercepatkan proses penilaian tuntutan kenderaan bermotor. Takaful Ikhlas juga,turut melancarkan portal ejensi, I-POS yang membolehkan para ejen menyemak portfolio perniagaan mereka. Pada waktu yang sama kami telah menjadi perintis dalam memperkenalkan pembelian Takaful motor untuk pembelian baru serta pembaharuan yang digelar sebagai e-IKHLAS.

Dari sudut korporat, Syarikaat induk Takaful Ikhlas, MNRB Holdings berhad telah meningkatkan Modal berbayar kepada RM195 juta bagi memenuhi keperluan pihak berkuasa selain mengembangkan perniagaan Takaful Ikhlas dalam industri Takaful.

Memandang ke hadapan, prospek bagi dua tahun akan datang mejanjikan percapaian yang lebih baik bukan hanya kepada Syarikat, bahkan kepada para peserta dan rakan kongsi perniagaannya. Ini selaras dengan usaha Takaful Ikhlas untuk mengukuhkan lagi kedudukan dan memberi pulangan yang lebih baik kepada semua pemegang kepentingan syarikat.

Insya Allah, lebih banyak kejayaan akan dicapai. Matlamat syarikat adalan untuk menjadikan Takaful Ikhlas sebagai perkhidmatan perlindungan kewangan Islam pilihan dan tiada yang boleh menjadi batu penghalang dalam kami memenuhi hasrat ini.

Profil Korporat Takaful Ikhlas (Bahagian 1)

2009-07-01T03:11:00.000-07:00

Profil Korporat Takaful Ikhlas

(Bahagian 1)

Dalam tempoh lima tahun operasi kami, Takaful Ikhlas telah mengukuhkan kehadirannya dalam penyediaan perkhidmatan perlindungan kewangan Islam. Kini reputasi Takaful Ikhlas dalam pasaran sebagai satu ‘jenama’ dinamik begitu dikenali ramai.

Hingga kini, lebih daripada 1,000,000 individu dan syarikat telah meletakkan kepercayaan mereka kepada Takaful Ikhlas dan menjadi pemegang polisi (peserta).

Komitmen dan pegangan Takaful Ikhlas kepada nilai-nilai yang amat kami hargai, bersama-sama dengan penggunaan teknologi yang bersesuaian dengan perjalanan perniagaan, telah membina nama baik Takaful Ikhlas atas pendekatan dan penyediaan perkhidmatan yang beretika.

Portfolio Takaful Ikhlas meliputi rangkaian Pelan Takaful Keluarga, Kumpulan dan Am serta rider-rider untuk individu dan usahaniaga komersial. Banyak lagi produk dan perkhidmatan yang sedang kami rancangkan untuk jangkamasa yang terdekat. Saluran pengedaran/perkhidmatan Takaful khlas yang terdiri daripada lebih 5,000 orang ejen, broker, institusi kewangan pemegang francais kenderaan bermotor, koperasi dan organasi-organasi Islam.

Dalam tempoh lima tahun, Takaful khlas telah mewujudkan rangkaian ejensi yang luas dengan kehadiran kami disemua pusat Bandar utama serta beberapa Bandar kecil, di Malaysia Barat dan Timur. Piawaian etika tinggi yang telah kami tetapkan untuk warga kerja dan rakan kongsi perniagaan boleh dilihat menerusi tindak balas kami yang pantas terhadap para pelanggan dan reputasi kami dalam perkhidmatan tuntutan yang adil dan cepat. Takaful Ikhlas tidak mempunyai sebarang pembayaran tuntutan “tertunggak” dengan kelulusan diproses dalam masa 24 jam bagi kebanyakan kes.

Selari dengan komitmen Takaful Ikhlas mencapai kecemelangan, kami telah menyediakan satu sistem pengurusan prestasi yang berdasarkan kepada meritokrasi untuk warga kerja kami. Takaful Ikhlas turut mendapatkan khidmat perunding untuk menjalankan kajian daya kecekapan yang menyeluruh untuk semua warga kerja bagi mempertingkat kebolehan mereka.

Syarikat Induk Takaful Ikhlas

2009-07-01T03:09:00.000-07:00

Pendekatan Perniagaan

Takaful Ikhlas

Di Takaful Ikhlas, kami mengurus, dan mengendalikan perniagaan kami selaran dengan prinsip-prinsip Syariah. Takaful Ikhlas komited sepenuhnya bagi memastikan keadilan dan kesaksamaan dilaksanakan dalam semua urusan kami. Oleh itu, semua hal operasi,urusan pelaburan, pengurusan dan pemasaran perniagaan Takaful Ikhlas dikawalsetia oleh Jawatankuasa Penasihat Syariah yang diketuai oleh Dato’ Mohd Mokhtar Shafii, Ahli Majlis Fatwa Selangor.

Takaful Ikhlas komited dalam membantu para pelanggan secara cekap dan berkesan khususnsya apabila melibatkan soal tuntutan dan pampas an. Ini adalah keran Takaful Ikhlas ingin menyakinkan mereka bahawa usaha syarikat Takaful Ikhlas untuk memberi “ketenangan fikian” bukan sekadar slogan semata-mata, tetapi satu reality. Apa yang lebih penting, ialah syarikat Takaful Ikhlas adalah IKHLAS

Syarikat Induk Takaful Ikhlas

Diperbadankan pada tahun 1972, MNRB Holdings Berhad (MNRB) merupakan sebuah syarikat pegangan pelaburan yang mempunyai anak-anak syarikat terlibat dalam perniagaan reinsurans dan insurans. MNRB yang disenaraikan dipapan utama Bursa Malaysia Secirities Berhad telah mencatat perolehan sebanyak RM978.6 juta pada tahun kewangan berakhir 31 Mac 2008.

Dana pemegang saham MNRB telah meningkat kepada RM893.9 juta pada tempoh yang sama dengan jumlah asset bernilai lebih RM2.6 billlion. Permodalan Nasioanl Berhad (PNB) dan Skim Amanah Saham Bumiputra dibawah naungan PNB merupakan pemegang saham terbesar MNRB.

takaful ikhlas

Model Takaful Ikhlas

2009-07-01T03:07:00.000-07:00

Model Takaful Ikhlas

Sejajar dengan perkembangan perkhidmatan perlindungan kewangan Islam di peringkat antarabangsa dan tempatan. Takaful Ikhlas telah memilih kontrak Wakalah sebagai model dalam membentuk asas operasi kami. Wakalah adalah sau bentuk perhubungan perwakilan di antara Takaful Ikhlas dan seseorang peserta (Prinsipal/Pelanggan). Takaful Ikhlas mengguna pakai kontrak berikut sebagai garis panduan perniagaan kami :

Kontrak Tabarru’ dimana peserta bersetuju mendermakan peratusan yang telah ditentukan daripada sumbangan kepada dana untuk membantu peserta lain.

Kontrak Wakalah dimana peserta membenarkan Takaful Ikhlas untuk menguruskan hal ehwal dana bagi pihal beliau.

Model Takaful Ikhlas membolekan penggunaaan perantara sebagai satu kaedah untuk memenuhi keperluan pelanggan, pembayaran lebihan dan keuntungan dengan lebih baik, dimana sesuai, kepada para peserta dan pengiraan keuntungan yang dikongsi secara bulanan.

takaful ikhlas

Lembaga Pengarah Takaful Ikhlas

2009-07-01T03:02:00.000-07:00

Lembaga Pengarah Takaful Ikhlas dan

Ahli Jawatankuasa Penasihat Syariah

Takaful Ikhlas

Lembaga Pengarah Takaful Ikhlas
Encik Sharkawi Bin Alis
Pengerusi
Pengarah Bukan Bebas Bukan Eksekutif
Tuan Haji Syed Moheed Bin Syed Kamarulzaman
Presiden & Ketua Pegawai Eksekutif
Pengarah Eksekutif Bukan Bebas
Tuan Haji Anuar Bin Mohd Hassan
Pengarah Bukan Bebas Bukan Eksekutif

Tuan Haji Yusoff Bin Yaacob
Pengarah Bebas Bukan Eksekutif
Encik Paisol Bin Ahmad
Pengarah Bukan Bebas Bukan Eksekutif
Y.Bhg. Dato’ Haji Othman Bin Hashim
Pengarah Bebas Bukan Eksekutif
Tuan Haji Halim Bin Haji Din
Pengarah Bebas Bukan Eksekutif
Ahli Jawatankuasa Penasihat Syariah Takaful Ikhlas
Y.Bhg Dato’ Hj. Mohd Mokhtar Shafii
Pengerusi Jawatankuasa Syariah
Prof. Dr. Mohd Ma’sum Billah
Jawatankuasa Syariah
Tuan Haji Nik Moustapha Haji Nik Hassan
Jawatankuasa Syariah
Prof. Dr. Haji Ahmad Hidayat Buang
Jawatankuasa Syariah
takaful ikhlas

Memahami Kontrak Takaful Ikhlas

2009-06-23T09:09:00.001-07:00

Memahami Kontrak Takaful

takaful ikhlas

Amalan Takaful yang diguna pakai oleh syarikat Takaful Ikhlas pada masa ini menggunakan gabungan dua jenis ‘Aqad (kontrak). Ianya adalah kontrak Tabarru’ (derma) dan Mudharabah (pelaburan) yang bebas daripada sebarang unsur Riba (faedah), Maisar (perjudian) dan Gharar (tidak jelas).

Dalam kontrak Tabarru’, peserta bersetuju untuk menderma atau menyumbang kepada suatu dana dengan niat ikhlas untuk saling membantu menampung sebarang kerugian daripada segi kewangan dan kesusahan yang mungkin menimpa salah seorang daripada mereka.

Melalui kontrak Mudharabah pula, para peserta menyumbang kepada satu dana yang diuruskan oleh sesebuah syarikat / pengendali Takaful dan berkongsi keuntungan daripada pelaburan tersebut.

Keistimewaan / Manfaat Takaful

Sistem Takaful Ikhlas memberi penekanan terhadap semangat kerjasam dan tanggung jawab sesame para peserta. Ini memberikan peluang kepada para peserta untuk mendapat manfaat dalam du bentuk. Pertama, keuntungan dari segi kewangan melalui pelan Takaful dan perlaksanaan Mudharabah.

Kedua, ‘manfaat’ dari segi rohaniah dimana para peserta dapat memenuhi tanggung jawab yang disyariatkan oleh agama dan tuntutan social melalui kaedah Tabarru’. Keistimewaan tambahan daripada konsep ini adalah tidak hanya bermanfaat kepada Muslim semata-mata, malah ia turut memberi kebaikan kepada semua peserta tanpa mengira pegangan agama mereka.

takaful ikhlas

Salaam Halal Car Insurance

2009-06-06T22:04:00.000-07:00

Salaam Halal Car Insurance

takaful ikhlas

The 2 million driving Muslims on Britain's roads today will now be able to take out car insurance that doesn't conflict with their beliefs. Bradley Brandon-Cross the chief executive of Salaam Halal Insurance who now offers the new insurance for Muslims said that "Conventional United Kingdom insurance options conflict with the core beliefs of the Muslim faith and, as a result, gives Muslims living in the UK who wish to drive a car no choice but to go against their beliefs in order to follow the law, which requires motorists to have cover."

The major issue for some Muslims is that conventional car insurance can be seen as a form of gambling which Bradley Brandon-Cross continues to explain; "In return for paying the premium, the policyholder gets peace of mind and in the event of a valid claim, the claim settled. This brings elements of uncertainty and, in the view of Muslims, gambling, into the contract as one of the two parties will make a loss, especially the policyholder if no claim occurs."
In 1970s Sudan a concept know as Takaful was invented to help get around the gambling concept associated with conventional insurance policies. Takaful offers the same amount of protection as every day insurance policies, but operates in a different way. Instead of betting against the likelihood of any misfortune Takaful insurance participants pay a certain amount into a pool which is invested strictly in Sharia compliant investments and any profits made are distributed back into the fund.
This type of insurance can be best described as a co-operative style of insurance where any person who needs cover must be able to donate to other participants who face difficulties. This whole idea is based on the philosophy of bearing another burden, strictly non profit, and is there to help the policyholders when they need it.
takaful ikhlas
Some believe that with the growth of other Muslim friendly products such as Islamic bank accounts, mortgages and child trust funds, indicates that there is a massive market for these types of insurance products. Yet in truth it is believed that the Islamic insurance industry is only 1/1000 of the size of the normal insurance industry, this combined with the fact that over half of the Islamic insurance policies sold are in Iran may mean that there may not be such a big market as originally thought.
Junaid Bhatti director of independent Islamic Finance commented on the Salaam Halal car insurance policy saying that "One thing the Sharia finance industry should have learned by now is that simply self-labelling as 'Islamic' is not enough to win customers, and success can only come by competing on price and having an appealing promotional message."
There is no doubt that Salaam Halal car insurance are offering a great alternative to conventional policies, and that they now offer Muslims the chance to take out car insurance policies without worrying that they are breaking Sharia law.
As Bhatti said being the Islamic alternative isn't simply enough to guarantee a market, Muslims, like everyone else, want a competitive car insurance price and if Salaam Halal car insurance can't deliver on that, then just being the Sharia friendly alternative may not be enough to survive in an extremely competitive market.
takaful ikhlas

Takaful Ikhlas : Islamic Finance Avoids Interest

2009-06-06T22:01:00.000-07:00

Mortgages and Loans: Islamic Finance Avoids Interest

takaful ikhlas

Two million Muslims in the UK face an ethical dilemma if they want a mortgage or a loan. Conventional mortgages and loans all require the payment of interest and “riba” as interest is called under Islamic law, is forbidden by the Koran.
British financial institutions are increasingly catering for Muslims' specialist needs through a number of alternative arrangements that respects the teachings of the Koran. Here are just two of them:
Ijara with diminishing Musharaka – the mortgage alternative.
Ijara with diminishing Musharaka is an Islamic alternative to a conventional UK mortgage and has been adopted by several British banks and building societies.

In essence, Musharaka means partnership. Under this Islamic financial concept, the bank buys the house and legally becomes its owner. Then throughout the pre-agreed period, say 25 years, a monthly payment is made. Each monthly payment includes a charge for rent and a charge that buys a small proportion of the house itself. It's form of variable shared equity plan with the proportion of the house being owned by the purchaser, steadily increasing as payments are made. Once the final payment has been made, the house is owned outright. Ijara
takaful ikhlas
Here you tell the bank or financial institution what you want, for example a car, and they buy it. In return for a monthly payment that covers the cost of the bank's capital, the bank then allows you to use the asset for an agreed period. In reality, it's a form of leasing
Islamic finance is not widely available in the UK – so where can find it? Here are three suggestions:
Over the last few years Lloyds TSB has introduced Islamic products to 33 of its branches. Their spokesperson says, “It's important for our customers to see that we are following the right procedures. We have a panel of four Islamic scholars who over-see the products. They offer guidance on Islamic law and audit the products”.
Another high street bank, HSBC, is developing a special range of Islamic products under the Amanah brand name. This range includes home finance plans, home insurance, commercial finance, and various current accounts and pensions. Hussam Sultan, the Amanah product manager says, ”As a bank, we are not here to moralise or tell our customers that Amanah finance is the way to please Allah. We're just here to provide them with a choice”.
The Islamic Bank of Britain has three branches in London, two in Birmingham and one each in Leicester and Manchester. They're the only British bank specifically providing for Muslim customers and claim to be halal throughout their operations. All their financial products are approved by their Sharia'a Supervisory Committee – all Muslim scholars who are experts in all aspects of Islamic finance.
takaful ikhlas
For your interest we show below, definitions of some words used widely in connection with Islamic finance.
A Glossary of selected Islamic words used in finance.
Amanah: Means trustworthiness, with associated aspects of faithfulness and honesty. As a central supplementary meaning, amanah also describes a business deal where one party keeps another's funds or property in trust. This actually the most widely used and understood application of the term, having a long history of use in Islamic commercial law. It can also be used to describe different financial activities such as deposit taking, custody or goods on consignment.
Arbun: Means a down payment. It's a non-refundable deposit paid to the seller by the buyer upon agreeing a sale contract together with an undertaking that the sale contract will be completed during a prearranged period.
Gharar: This means uncertainty. It's one of three essential prohibitions in Islamic finance (the others being riba and maysir). Gharar is a sophisticated concept that encompasses certain types of uncertainty or contingency in a contract. The prohibition on gharar is often used as the grounds for criticism of conventional financial practices such as speculation, derivatives and short selling contracts.
Islamic financial services / Islamic banking / Islamic finance : Means financial services that meet the specific requirements of Islamic law or Shariah. Whilst designed to meet specific Muslim religious requirements, Islamic banking is not restricted to Muslims. Both the customers and the service providers can be non-Muslim as well as Muslim.
Ijara: Means an Islamic leasing agreement. Ijarah permits the financial institution to earn a profit by charging leasing rentals instead of lending money and earning interest. The ijarah concept is extended to hire and purchase agreements by Ijarah wa iqtinah.
Maysir: Means gambling. It's another of three fundamental prohibitions in Islamic finance (the other two being riba and gharar). The prohibition of maysir is often used as the basis for criticism of standard financial practices such as conventional insurance, speculation and derivative contracts.
Mudarabah: A Mudarabah is a form of Investment partnership. Here, capital is provided by the investor (the Rab ul Mal) to another party (the Mudarib) in order to undertake a business or investment activity. Profits are then shared according to pre-arranged proportions but any loss on the investment is born exclusively by the investor and the mudarib then loses the expected income share.
Mudarib: The mudarib is the investment manager or entrepreneur in a mudarabah (see above). It is this managers responsibility to invest the investor's money in a project or portfolio in exchange for a share of the profits. A mudarabah is essentially similar to a diversified pool of assets held in a conventional Discretionary Managed Investment Portfolio.
Murabaha: means purchase and resale. As opposed to lending money, the capital provider purchases the required asset or product (for which a loan would otherwise have been taken out) from a third party. The asset is then resold at a higher price to the capital user. By paying this higher price by instalments, the capital user effectively gets credit without paying interest. (Also see tawarruq the opposite of murabaha.)
Musharaka: This means profit and loss sharing. It's a partnership where the profits are shared in pre-arranged proportions and any losses are shared in proportion to each partners' capital or investment. In Musharakah, all the partners to the commercial undertaking contribute funds and have the right, but without the obligation, to exercise executive powers in that undertaking. It's a similar concept to a conventional partnership and the holding of voting stock in a limited company. Musharakah is regarded as the purest form of Islamic financing.
Riba: This means interest. The legal concept extends beyond interest, but in simple terms, riba covers any return of money on money. It does not matter whether the interest is floating or floating, simple or compounded, or what the rate is. Riba is strictly prohibited under Islamic law..
Shariah: This is the Islamic law as disclosed in the Quran and through the example of Prophet Muhammad (PBUH). A Shariah product must meet all the requirements of Islamic law. To facilitate this, a Shariah board is usually appointed. This board or committee is usually comprised of Islamic scholars available to the organisation for guidance and supervision for the development of Shariah compliant products.
Shariah adviser: Means an independent professional, usually a classically trained Islamic legal scholar, appointed to advise an Islamic financial organisation on the compliance of its products and services with Islamic law, the Shariah. While some organisations consult individual Shariah advisers, most establish a committee of Shariah advisers (often known as a Shariah committee or Shariah board).
Shariah compliant: Means the activity that ensures that the requirements of the Shariah, or Islamic law are observed. The term is often used in the Islamic banking industry as a synonym for "Islamic"- for example, Shariah compliant financing or Shariah compliant investment.
Sukuk: This has similar characteristics to a conventional bond. The difference is that that they are asset backed and a sukuk represents the proportionate beneficial ownership in the underlying asset. The asset is then leased to the client to yield the profit on the sukuk.
Takaful: This is Islamic insurance. Takaful plans are designed to avoid the characteristics of conventional insurance (i.e. interest and gambling) that are so problematical for Muslims. They structure the arrangement as a charitable collective pool of funds based on the comcept of mutual assistance.
Tawarruq: When used in personal finance, a customer with a cash requirement buys something on credit on a deferred payment basis. That customer then immediately resells the item for cash to a third party. The customer thereby obtains cash without taking an interest-based loan. Tawarruq is the opposite to murabahah.
takaful ikhlas

Info Takaful : Life Insurance Basics

2009-06-05T03:30:00.000-07:00

Info Takaful : Life Insurance Basics

takaful ikhlas

One of the most important things you can do as parents is to ensure the financial welfare of your children in the event of your death. Life insurance is the best way to be rest assured that your children will be taken care of if you die. Although we never like to think of that kind of thing happening, but it does.

What is Life Insurance

Life insurance is a policy that you can enter with your insurance company, which promises a certain amount to your beneficiary(ies) in the event of your death. Usually, a spouse will name the other spouse as well as their children as beneficiaries of the policy. As part of the agreement with life insurance, your insurance policy will be a monetary value, that you will in return, pay a monthly premium for. Premiums usually depend on your age, gender, occupation, medical history and other factors.

There are other types of life insurance that may provide benefits for you and for your family while you are still living. These policies can accrue a cash value on a tax-deferred basis and can be used for future needs such as retirement or your child's education.

Do I Need Life Insurance

Earning an income allows you and your family to do many things. It pays for your mortgage, buys cars, food, clothing, vacations and many other luxuries that you and your family enjoy. However, certain situations can cause you to lose your income, and those who depend on you also depend on your income. If any of the following statements about you and your family are true, then it is probably a good idea for you to consider life insurance.

1) You are married and have a spouse.

2) You have children who are dependent on you.

3) You have a parent or relative who is aging, or disable and depends on you.

4) You have a loved one in your life that you wish to provide for.

5) Your 401K retirement plan, pension and savings aren't enough to insure your loved one's future.

What Are My Life Insurance Options

How Can I Save Money With Life Insurance

Below you will find some suggestions on ways to save money while purchasing the life insurance policy that is right for you.

1) If you don't need life insurance, don't buy it. Don't buy more insurance that you actually need in order to provide financial security for your family.

2) Shop around for competitively-priced life insurance policies while you are healthy. Don't smoke, or do anything that might increase your rates. Take care of yourself by exercising regularly and maintaining a moderate and healthy weight.

3) If you purchase a term life insurance policy, look for guaranteed and renewable policies. That way you won't have to periodically continue to shop around for those life insurance policies.

4) You should only buy optional forms of coverage such as riders only if necessary.

takaful ikhlas

How to Find a Financial Advisor

2009-06-05T03:27:00.000-07:00

How to Find a Financial Advisor

or Financial Planner Who is Right

for Your Needs in Today’s Volatile

Markets

takaful ikhlas

While many people need financial advice, how do you find the right financial advisor? ClaroConnect can help by providing individuals a free tool to screen through various criteria to find an advisor who is right for them. There are several steps individuals should go through before committing to a specific financial advisor. These steps include determining your goals, finding potential financial planners, doing background compliance checks, interviewing one or more advisors and then getting started.

Determine Your Goals

Usually it is a specific life change that causes someone to want to meet with a financial advisor. Often, it is rolling over a 401k when changing jobs, getting ready for retirement, or a young family that needs to start saving and needs life insurance protection to provide for the children. However, the full process of financial planning incorporates looking at your overall goals in life, and then setting financial goals to help you reach your lifetime goals. Many clients find their financial advisor can help guide them through these issues.

Finding Potential Financial Advisors

How do you find a financial advisor? Many people start by asking a family member or friend for a referral to a financial advisor. This can sometimes work, but your friend’s financial advisor might not be the right fit for you. Why? Your financial needs aren’t exactly the same as your friends. In fact, there are many financial issues that might require special expertise. Did you realize there are financial advisors who specialize in business owners, retirees, doctors, divorced women, socially responsible investing and even airline pilots? This makes sense because it takes time and experience for a financial planner to learn about employee benefit plans for the business owner, the complicated pension and benefit packages of the airline pilot, and all of the other specific areas for each niche. So an important part of choosing a financial advisor is looking for someone who is a match for any specific needs you have, and has experience working with other clients in a similar financial situation to you.

ClaroConnect.com provides a free, third-party search tool to screen through financial advisors. You can search by multiple criteria such as location, types of fees and even language. You can search for specific qualifications, such as Certified Financial Planner (CFP), Chartered Financial Analyst (CFA), registered investment advisor and others. In addition, there is a Custom Search feature which lets you type in any keywords you want, such as the above specialties of “socially responsible” or “pilot.”

Doing a Compliance or Background Check on Financial Advisors, Brokers and Investment Advisors

A background check on financial advisors is not a foolproof way to find a good advisor, but is necessary to at least weed out some of the advisors you don’t want to work with. Unfortunately, there are different organizations for different financial professionals. For registered representatives, stock brokers and many financial advisors, you should go to the FINRA website for their BrokerCheck. For registered investment advisors, you must go to the SEC website to pull up their disclosure form. And for insurance professionals, they are regulated separately by each state, so you must go to your state insurance commission.

Interviewing Financial Planners or Investment Advisors

You should interview any prospective financial advisor until you are fully comfortable before beginning work with them. As mentioned, you should determine if they have experience working with others in your financial situation. See if your investment philosophy aligns with theirs. Make sure you understand how any solutions they suggest will work. Make sure you understand how their fees work. Agree on how frequently you will communicate. Knowing this now can help prevent surprises later.

Getting Started with a Financial Advisor

Once you choose a financial advisor, they will probably then interview you to determine your goals, investment experience and risk tolerance. Financial planning is a process that gets updated each time your goals change, a new situation arises, or the markets drastically change. Many clients are thankful for the financial advice that helped put their kids through college and provided for their retirement income.

takaful ikhlas

Takaful Ikhlas : Pasaran Perniagaan Yang Luas Tanpa Modal

2009-06-02T21:43:00.000-07:00

Takaful Ikhlas : Pasaran Perniagaan

Yang Luas Tanpa Modal

takaful ikhlas
Sudah Terbukti!!!!!
Cara cara hendak menjalankan perniagaan tanpa modal.
Adakah anda…………….

1. Baru mendapat sijil / diploma / ijazah dan susah mendapat kerja??
2. Ingin dan minat untuk kerja sendiri tetapi tiada modal??
3. Salah seorang pekerja yang bosan atau tidak gembira, kerja

berjam jam tanpa apa-apa alasan yang munasabah. Bos yang

membayar gaji RM1,200 sebulan, tetapi menjangka pengeluaran

pekerja sebanyak nilai RM10,000!!!!
4. Kerja bertahun tahun dan tunggu masa hendak diberhentikan kerja

kerana ekonomi gawat!!!

Jika benar, saya ada berita gembira untuk tuan / puan.

Anda boleh jadi bos sendiri.

Ada kebebasan masa bila hendak bercuti dengan keluarga tersayang.
Simpan bonus RM30,000 yang anda dapat.
Anda tidak perlu hadir mesyuarat dipejabat yang sungguh memeningkan.
Tiada rakam waktu.
Tiada perlu dengar sungutan dari bos.

Ramai orang tidak berani untuk melabur dalam perniagaan. Sebab mereka tiada modal. Siapa kata kita perlu modal untuk memulakan perniagaa.
Biar saya tunjuk cara cara hendak mula perniagaan dan buat duit tanpa modal. Ini bukan MLM atau skim cepat kaya.

Tiada perlu pejabat
Tiada perlu alat alat pejabat
Tiada perlu ambil kursus yang mahal lagi pening kepala.

Kesemua perkara diatas akan disediakan oleh agensi kami.
Perniagaan anda bermula dengan angka kosong. Tiada modal. Percayalah!!!!!
Adakah ini yang anda mimpikan selama ini!!!
Anda tidak jauh dari impian realiti anda. Memandangkan ramai yang sibuk dan tidak berminat membaca artikel yang panjang, biarlah saya terus kepada maksubnya.

PERNIAGAAN TANPA MODAL!!!!
Ya benar, anda tidak tersalah baca!!! Tiada pinjaman bank. Telah terbukti!!!
Anda boleh lakukan, asalkan anda boleh bercakap.
PERNIAGAAN APA??? KERJA APA????

Inilah kerjaya sebagai PERUNDING TAKAFUL / KEWANGAN!!!
Tahukah anda perniagaan apa tiada modal tetapi pasaran yang sangat sangat luas???
Tahukah anda menurut statistic Bank Negara Malaysia, orang Melayu yang ada perlindungan insuran / takaful. Cuma tidak lebih dari 10%.

Jadi masih ada 90% orang Melayu tanpa perlindungan takaful. Bukankah itu pasaran yang sangat luas!!

BERMINAT?? Hubungi saya. Saya sedia membantu anda menjadi perunding yang berjaya.

Ceria Selalu
ingat keluarga tersayang, ingat takaful

hisham abdul aziz
016-948 3693
hisham_abdulaziz@yahoo.com

al-Medina Agency of Takaful Ikhlas
(Million Dollar Agency)
Unit 126, Wisma Sime Darby
Jalan Raja Laut
50350 Kuala Lumpur

Takaful ikhlas

Pengambilan Perunding Takaful Ikhlas

2009-06-02T19:46:00.000-07:00

Pengambilan Perunding

Takaful Ikhlas

Sesi : 2010 / 2011

takaful ikhlas

Kami adalah agensi Takaful Ikhlas No. 1 Kumpulan Lansung yang beroperasi di Wisma Sime Darby, Kuala Lumpur, bertanggung jawab membimbing, membangun serta memajukan individu individu yang mahu memajukan muamalat Islam menerusi Takaful Ikhlas serta bercita cita tinggi untuk merubah taraf kehidupan keluarga. Kini kami membuka cawangan baru di TTDI, Shah Alam.

Individu yang memenuhi criteria berikut dijemput untuk maju bersama kami sebagai :

Pengurus Unit – KL / Shah Alam (6 orang).

Kelayakan

I. Pengurus Unit di Syarikat Insuran/Takaful, atau

II. Pegawai Jualan Bank/Kewangan dengan pengelaman 7 tahun

III. Boleh berkhidmat sepenuh masa

Faedah

I. Kumpulan Wang Simpanan Agen (EPF)

II. Komisyen yang setanding

III. Bonus setiap 3 bulan dan tahunan (Quarterly & Yearly Bonus)

IV. Ruang Pejabat

Penolong Pengurus Unit – Cawangan KL dan Shah Alam (10 orang)

Agen – Cawangan KL dan Shah Alam (35 orang)

Kelayakan / Faedah Lain :

Sambilan atau Sepenuh Masa
Umur : 20 – 45 tahun
Kelulusan Minima : Diploma. SPM dengan pengalaman jualan dipertimbangkan
Bimbingan diberi percuma
Pendapatan Lumayan. Bonus ( setiap 3 bulan / tahunan), Lawatan keluar Negara.

Kemudahan Lain :

Ruang pejabat di KL dan Shah Alam
Telipon
Mesin Potostat
Kit Jualan
Komputer

Untuk temujanji : Hubungi Hisham A Aziz 016-948 3693 atau email resume : hisham_abdulaziz@yahoo.com

Takaful Ikhlas Sdn Bhd

al-Medina Agency (Unit 126)

Level 5, Wisma Sima Darby

Jalan Raja Laut

50350 Kuala Lumpur

U/P : Hisham A Aziz

Takaful Ikhlas : Kenapa perlu memiliki takaful dalam kehidupan

2009-06-02T19:21:00.000-07:00

Takaful Ikhlas :

Kenapa perlu memiliki takaful

dalam kehidupan

takaful ikhlas

Menurut kajian yang dibuat oleh Life Insurance Malaysian Research Association (LIMRA), sepanjang hayat manusia, seseorang itu memerlukan sebanyak 7 polisi insuran / takaful. Ia meliputi aspek untuk perlindungan,kesihatan,pendidikan,pelaburan dan juga simpanan.

Penduduk Malaysia yang mempunyai perlindungan insurans / takaful hanya 25% daripada 26 juta rakyatnya (kebanyakan terdiri dari bukan Melayu). Berdasarkan fakta ini, kesedaran memiliki insuran/takaful masih lagi rendah khususnya dikalangan orang Melayu.

Di Singapura sebanyak 100% yang memiliki polisi, secara purata 1 orang 1 polisi dan di Jepun sebanyak 150%, iaitu 1 orang memiliki lebih daripada satu polisi.

Bagi seorang muslim, ulama telah menhasilkan takaful sebagai alternative untuk insurans konvesional. Ini bagi mengelakkan unsur-unsur yang tidak halal dalam insurans. Syarikat Takaful Ikhlas adalah salah satu syarikat yang beroperasi menurut syariah Islam dan diawasi oleh badan syariah tersendiri.

“Gunakan 5 sebelum 5 perkara : Muda sebelum Tuan; Sihat sebelum Sakit; Kaya sebelum Miskin; Lapang sebelum Sempit; Hidup sebelum Mati”

Keperluan Kepada Pelan Takaful Ikhlas

“Seseorang itu menyertai pelan Takaful Keluarga bukan kerana beliau akan mati, tetapi untuk memastikan kehidupan orang yang disayangi dapat diteruskan”

Di Takaful Ikhlas, kami sentiasa mendengar dan memahami keperluan anda.

Ada masalah!! Perlu khidmat nasihat!!

Hubungi / sms ejen kami Encik Hisham A Aziz di talian 016-948 3693 atau email : hisham_abdulaziz@yahoo.com

Takaful Ikhlas Sdn Bhd
al-Medina Agency (Unit 126)
Level 5, Wisma Sima Darby
Jalan Raja Laut
50350 Kuala Lumpur

Skim Latihan Perunding Takaful Ikhlas

2009-05-26T08:49:00.000-07:00

Skim Latihan Perunding Takaful Ikhlas Berelaun
Anjuran
KEMENTERIAN SUMBER MANUSIA

takaful ikhlas

Khusus untuk :

Graduan Menganggur

Pekerja diberhentikan

Belia Menanggur

Individu bekerja sendiri seperti wakil Unit Amanah / Trust bolih mohon

Faedah Skim Latihan Perunding Takaful Ikhlas Berelaun ialah :

Tempat Latihan diseluruh Negara
Elaun Bulanan RM500 – RM800
Insuran Perubatan Hospital Swasta
Tempat tinggal (jika diperlukan)
Makan tengahari / minum pagi dan petang
Jaminan Pekerjaan berpendapatan lumayan sebagai Perunding Kewangan / Takaful dibawah syarikat Takaful Ikhlas
Terbuka untuk semua Perunding Syarikat Takaful

Hantar maklumat diri / resume kepada kami melalui pos atau e-mail : hisham_abdulaziz@yahoo.com

Skim Latihan Perunding Takaful Ikhlas Berelaun Anjuran KEMENTERIAN SUMBER MANUSIA diselia olih :

SERAMBI ILMU MANAGEMENT SERVICES (001852566-V)

[Penyedia Latihan Takaful kepada KEMENTERIAN SUMBER MANUSIA]

11-2, Jalan Opera F U2/F

TTDI Jaya Business Centre

40150 Shah Alam, Selangor

U/P : Encik Hisham A Aziz

takaful ikhlas