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Live Below Your Means In This World So You Can Prepare For Life In The Hereafter

Waited before I made this posting. Didn’t want to spoil anyone’s vacation.

It was so wonderful to see so many of my FB friends going on vacation with their families. I saw so many countries visited. From all corners of the globe. Truly fantastic to spend quality time with family.

Recently had dinner with an old friend from varsity. He’s a very successful businessman, running a multi-million dollar enterprise for more than two decades. And what a kind heart. He has helped so many of the poor and downtrodden all over the world. May Allah azzawajal Bless and Protect him. But I digress.

He said that never before on the more than two decades of doing business has he seen the situation so bad. Not the 2008 financial crisis. The 2003 SARS one. Or any one of the financial downturns in the last two decades.

MAS recently made the announcement that we should be circumspect with our spending, putting away savings for the coming financial headwinds. I honestly can’t remember the last time they did this.

Anecdotallly u can see signs of a slowdown if u look carefully. Juz yesterday went to IKEA. Normally on a weekend they will be quite a queue at the checkout. This time around I hardly had to wait to be served.

Bringing me to my main point.

We should look upon the impending financial slowdown as an opportunity. So we should create a financial ‘war chest’ to be used when the time is right.

For e.g. My car is 8 years old. Alhamdulillah it still purrs like a kitten. So in the event of a financial slowdown, the coe will fall. If and when it does I’ll be ready to take advantage.

And the niyyah (intent) is to try to steer clear of interest costs (riba). Hopefully the coe will fall at the time I need to renew the coe. That way, I InshaAllah will pay cash for the coe and get another ten years of usage without incurring any riba. Incidentally 8 years ago I bought the car and paid cash in full. So InshaAllah I can have usage of it for the next 10 years without paying any installments and be virtually debt free.

Another person may be looking to get a bigger flat coz of growing family etc.

So financial savings now can mean one can strike when the iron is hot. Also if u r a hi income earner, u may want to think of getting a second property. The objective is to get a steady stream of passive income, such that you don’t have to be so dependent on the promotions n bonuses at work.

This is important methinks. If one is too focused on promos n bonuses it would take up slot of time and energy. And you pay a price, because less time N energy would be spent serving the Deen of Allah azzawajal and investing for the Everafter. The opportunity cost is not worth paying.

Also if u r too dependent on the monthly income, U will be unable to speak up at work when the situation calls for it.

So we need to think strategically. Link our financial goals towards freeing ourselves to serve His Deen.

In the meantime, Live simply. Don’t juz live within our means. Live BELOW our means. And keep our intentions pure.

If we are strategic now, we can take advantage of any financial headwinds that come our way.

At least we won’t be saddled in debt. The modern-day slavery.

Live in this world. Live for the next.

And God Knows best. Wallahualam.

Source: Syed Danial

January 2, 2017
Don’t Agree To Men Who Want To Video Having Sex With You

Hi.

I would like to share this story with your site.There is a video circulating on tumblr showing a couple doing an obscene act in public.

The video begins by showing an attractive woman passionately performing oral sex on the man who is holding the camera. She is wearing a pink tudung and the video appears to be taken on a secluded HDB staircase landing.

The couple then proceed to have sexual intercourse on the steps of the staircase itself and at the end of the video, the woman appears to be so excited that she squirted all over the steps of the staircase! Oh man, I pity the town council’s cleaners.

It is disgraceful that this young lady is wearing a tudung while she has sex in public. She should show more respect to religion and customs. Perhaps the younger generation does not value modesty as much as the older generation did. Too bad for her, because the chap she had sex with betrayed her soon afterwards, leaking the sex video he took onto the Internet. This seems
to be a common trend these days! Why are girls so naive to believe that guys are just taking sex videos for the sake of remembering the moment of love.

The videos can be sold online or traded on notorious forums, so why would a guy keep the video and not sell it, especially if he just broke up with the girl.

Are youngsters so horny and desperate for sex that they cannot control themselves until they reach the nearest bedroom? Or are they simply taking Minister Josephine Teo’s words to heart. “You do not need much space to have sex”. Perhaps Minister Josephine Teo would be proud to see them doing it out in the open, without worrying about whether they can afford a HDB flat.

Source: www.allsingaporestuff.com

January 2, 2017
Help! Mother Of 5 Young Children Faces Massive Financial Obstacles, Determined To Turn Life Around Without Abusive Husband

Please find it in your Heart to help by donating what you can, sharing her story with friends and family, and sharing her fundraiser campaign on your social media.

Anyting you can do will be appreciated even if it is your prayers for the success of this campaign. We thank you for your time in reading this.

As my Friend cope with the very unexpected things that happen in her life right now. She was abused again and again by her husband.

This page is set up as a place to gather encouragement and strength. Upon this tragedy let’s come together and show our support to her and her 5 kids. Senya (My Friend) was not employed after she got married her financial dependence post married made her limp,so limp that she didn’t have the back bone to confront her Satanic Husband. Her Husband have crush her facial bones! he abused her and left her with kids and as well bills to pay.She is on PPO currently since 2014, and her Husband didn’t provide for her and the kids till now. With no food at home. She had piled up of arrears with town council, power supply and home loan. This is going to be a Long, rough road to travel with her 5 kids. She is now failing for a divorced. All her kids age is between 12 and below. As we know school will resume on January. Please help her with her utility bills as the family is using PAYU and sometimes can’t afford to top up they would be in dark. They are in immediate need of financial contributions to help with current expenses.

To those who would like to donate directly to her bank account is under POSB SAVINGS 170-49122-0 and to those whom wish to contact me can do so through my email address [email protected]

My goal is to minimize the financial obstacles they are having right now. We cannot understand the struggle they are having. We need to form a network to help them financially, emotionally and physically and rebuild her so she comes back better than ever. It’s not easy while starting over. God Bless all of you..

Source: https://give.asia

January 2, 2017
Advice From A Taxi Driver – Happiness Can Be Found In Being Able To Adjust And Adapt To External Changes

$30 ADVICE

Taxi drivers are no doubt one of my favourite bunch of people to speak to because they not only meet many people from all walks of life, but most of them have a totally different kind of life before they took on the title of ‘Uncle Taxi’.

Earlier tonight, I was blessed to have taken a ride in a cab driven by a very intelligent man. He may have eavesdropped on my conversation but I was happy he did.

Our conversation centred on how he ended up behind the wheel.

Here I had at the wheel, a 60yr old gentlemen with an MBA who used to be GM of Kodak and Regional Manager of HP, driving me home. A man, more intelligent, more educated and much more accomplished than me.

And through my conversation with him, I discovered that while he was laid off after taking a 50% pay cut, this is a man who did what was necessary to continue to live life and to be happy.

Because my takeaway from this conversation with him was really, to adjust and adapt ourselves according to situations/environmental changes and to be happy.

And that’s how we live fulfilling lives.

Because he certainly wasn’t complaining about how difficult life was. He was more like, ‘suck it up, move along, life must go on’.

At the end of our journey, I wished I could sit down with him over a cup of coffee because I didn’t want it to end so soon. We parted ways with him wishing me the best of luck for my business and I couldn’t help but think about how much I had benefited from his sharing as good life advice compared to the $30 cab fare.

Feels like I paid $30 to listen to such wonderful life story and life advice rather than to pay for a ride home.

Source: Ab Di Lar

December 31, 2016
Grain: Restoran Online Halal, Tawarkan Makanan Sihat

BERITAMediacorp: Hasrat untuk mencipta pengalaman makanan yang menyeronokkan mendorong empat orang sahabat untuk membangunkan perniagaan restoran secara online, bernama Grain.

Grain mendapat sijil halal sekitar dua bulan lalu (Sep 2016), setelah dua tahun dibuka.

Perniagaan itu kini berwajah baru dengan khidmat laman web dan aplikasi mudah alih yang memudahkan pelanggan untuk menempah makanan yang sihat.

Antara makanan sihat yang ditawarkan termasuk Ayam Kampung Segar Panggang (Grilled Farm Fresh Chicken), Ikan Salmon Norwegian (Norwegian Salmon) dan Labu Kayu Manis (Cinnamon Pumpkin).

Usaha itu juga dimanfaatkan di tengah-tengah persaingan antara khidmat penghantaran makanan online lain di Singapura sekarang ini.

PENGALAMAN MAKAN YANG MENYELURUH

Ketua Pegawai Eksekutif (CEO) serta pengasas bersama Grain, Encik Yong Yi Sung, memberitahu bahawa syarikatnya ingin memberikan pengalaman makan yang menceriakan para pelanggan.

“Pengalaman makan yang menyeronokkan adalah lebih daripada sekadar makanan. Kami menyertakan maklumat makanan, bahan-bahan dan nilai pemakanan bersama makanan yang ditempah. Dan, bagi pelanggan kali pertama, kami juga memberikan kad sambutan kepada mereka,” kata Encik Yong kepada BERITAMediacorp.

“Kami menyediakan pengalaman pelanggan dari hujung ke hujung yang menyeluruh, dari memilih bahan-bahan hingga ke penghantaran makanan oleh kakitangan Grain sendiri,” tambahnya.

Grain menawarkan pilihan makanan Asia, makanan sihat dan pencuci mulut. Ini termasuklah hidangan Nasi Ayam Samsui (Samsui Chicken Rice), Daging Thai dengan Daun Selasih (Thai Basil Beef) dan Salada Ayam Thai (Thai Chicken Salad).

KOLABORASI BERSAMA RESTORAN HAJAH MAIMUNAH

Grain turut bekerjasama dengan Restoran Hajah Maimunah sepanjang minggu lalu untuk menyediakan hidangan Rendang Daging Hjh Maimunah dengan Urap dan Nasi Perang Ubi Bit.

Encik Yong memberitahu BERITAMediacorp: “Kami mencari rakan kongsi yang berkongsi falsafah yang sama iaitu untuk menawarkan makanan yang enak dan bermutu tinggi. Grain juga tidak menggunakan makanan yang dibekukan atau diproses.”

“Hajah Maimunah menepati ciri itu dan kami sebulat suara memilih hidangan rendang daging untuk kolaborasi selama seminggu itu,” jelasnya.

Grain menawarkan dua pilihan menu- menu tetap dan menu yang ditukar setiap minggu. Buat masa ini, syarikat itu hanya menyediakan hidangan dan khidmat hantar makanan untuk makan tengahari.

KONSEP RESTORAN ‘CLOUD’

Encik Yong turut mendedahkan bahawa keinginan mereka untuk membuka sebuah restoran online disebabkan harga sewa tanah yang semakin tinggi.

“Membuka restoran secara online adalah pilihan lebih baik daripada di sebuah kawasan khusus kerana kami dapat berada di mana sahaja.

“Malah, kami menggelar syarikat kami sebagai ‘restaurant on the cloud’ atau restoran dengan ruang simpanan online,” kata Encik Yong.

MATLAMAT ‘RESTORAN TERBESAR TANPA KEDAI’

Grain kini mempunyai sekitar 60 orang kakitangan termasuk 15 orang cef di dapur mereka yang terletak di Bangunan Makanan Tee Yih Jia.

Menurut Encik Yong, mereka juga berharap dapat mencapai sasaran yang besar dalam masa lima tahun.

“Persaingan di kalangan khidmat hantar makanan semakin sengit, tetapi kami bukan hanya menyediakan servis itu. Kami berbeza daripada khidmat tersebut.

“Dalam masa lima tahun, kami berharap dapat menjadi restoran yang terbesar tanpa sebuah kedai yang fizikal,” katanya.

Khidmat makanan Grain tersedia menerusi laman www.grain.com.sg atau aplikasi telefon bijak.

Source: http://berita.mediacorp.sg

December 31, 2016