Showing posts with label gold bar. Show all posts
Showing posts with label gold bar. Show all posts

Saturday, March 17, 2012

Dig, analyze, share and respect.

Yes, many times in life we frequently judge a person or a situation from one source; or the hearsays. Bad enough that we do not take the time to read through the relevant sources; or to analyze the situation; we label and simply pinpoint fingers verbally or non-verbally to the relevant (or irrelevant) people.

When Hazeman and I started to invest in gold, we only read the pamphlets provided by the bank. And we took it that they were able to provide all the info we needed. We invested in gold book account, and a week later when we read one reliable entry by Ustaz Zaharudin in his blog (mind you we did not read from `unreliable’ source i.e. individual with no Islamic banking education and practiced background), we realized that gold book account is prohibited for it’s akad is not clear; as in when we buy physique gold, the akad is clear – We give you RM xxx for xx gram of gold. But, with gold book account, (this is the copy from Ustaz Zaharuddin’s post)
·         HARAM DAN BATAL : Jika emas itu belum berada dalam pemilikan bank dan hanya akan dibeli daripada pihak ketiga dalam majlis transaksi yang berasingan. Urusniaga pembukaan akaun itu telah menjadi HARAM dan tidak SAH, kerana pihak bank telah menjual emas yang tiada di dalam miliknya dan juga kerana riba telah berlaku apabila tiadanya elemen ‘Taqabud fil Majlis' (serah terima dalam satu masa), sebarang penangguhan membawa kepada Riba an-Nasiah.
Kesimpulan ; pastikan emas yang ingin dijual mestilah berada dalam pemilikan pihak bank tersebut.
      HARAM DAN BATAL : Iaitu jika emas BELUM atau TIDAK diterima serta-merta ketika membuka akaun pelaburan emas itu.
 And that is why we quit from the gold book account investment; and yes we had some kerugian. The point is we have to always find the most reliable source, analyze, share and respect. Respect other people’s choice if they still want to go for the gold book account.

I was interviewed by Lisa Goh from The News Strait Times  THE STAR for a featured last Sunday with regards to my interest in investing in gold,hehehe!

This is a 20 g gold wafle. Yes, you can actually get it from different jewellery shop and they basically produce their own 999 gold. So, you can actually get the highest composition of gold unlike the bracelet, rings etc. Basically, Tomei has KLCC wafle bar, we have Pump Suisse, which an international recognize wafle etc.

 Move on to, Nadirah (@Dirang)’s case. Yes, the whole Malaysian is very shock with the news. It reminded us to Nurin Jazlin, very much kan? (May her soul rest in peace). And, as I was driving on the Tuesay  morning, Hot fm had this news as their topic for discussion. Of course, everyone is outrage with the killer(s), and every caller start to bang the killer. But, but, before that, do you know most psychotic, serial killers dan yang seangkatan dgnnya are actually abused and abandon kids once?  That while they were growing up, they did not go through a normal journey like most of us did. And who would know that these people are actually our school mates, our neighbors and they could be among our family members. But, for we have been ignorant, tak mau jaga tepi kain orang, we had actually indirectly contributed to the existence of these people who we are referring as `bad people’. If we only had called the police when we heard them scream, if only we offer them shoulder when they cried at the back of the canteen during recess time instead giving unwanted look, and if only we help them to meet the counselor in school, things could have been different. So, did we dig, analyze, share and respect? Not to respect them as the `bad people’, but respect them so that we can actually provide them with necessary help (i.e. seeing psychiatric etc). But, if the killer(s) is normal man, as in waras, please, dear Sir, tolonglah minta ampun to the respective family(s). If we have sins towards Allah, we can ask for forgiveness from Him; and InsyaAllah, Allah is the most forgiving. But, if we have sins towards human beings, then from them we have to seek for forgiveness.                   

The same goes to when we heard a man is marrying a second wife. Cepat je nak melenting kan? Hehehe! (That includes me, ok?). Added to that, if the man is our best friend’s husband, our brother in law or any men that are related to us, and we do not see any logical explanation why he should marry to another wife; we would make a conclusion for them – Gatal! Dasar lupa diri, isteri tu yang susah-susah dgn dia dulu, dah senang, cari lain- you know that sort of thing. But, why don’t we open our heart and mind- what if the man marries to a widow, with some children? What if the man marries to a woman, yang dah lanjut umur, and she is actually well off, financially, and she only intends to menumpang kasih-sayang, and she needs a man to protect her? Or he marries to a woman who needs real protection? Just laying out some probabilities; but there must be a reason why Allah allows the men to marry up to 4 wives, kan? I am just saying this, but if this happens to me, I would need a very long time to accept (will I be able to accept?) and redha; I guess.

One example of I can think of. UAI.
                The reason why I had this entry is because I have always working on self-positivity. I wanted to be able to analyze a situation and a person; before I say my comments (or rather will I keep my comments). I wanted to stop being judgmental, by hearing from only one source, because every coin has two face; so is every story.
p/s- Do you guys actually acknowledge that there is a proper guideline by JAKIM for multilevel (MLM) business to be conducted in Malaysia? Just thought you would like to know. You know, before you say your comments? =)
http://www.islam.gov.my/muamalat/sites/default/files/garis_panduan/2011/09/garis_panduan_mlm_20111.pdf

                                                    

Thursday, August 25, 2011

Updates,updates,updates

Saya akan menggunakan Bahasa Melayu sepenuhnya dalam penulisan kali ini (dah ada org complain saying that I dont favor my own language,oppss!;p)

Ok, dalam penulisan kali ini, saya akan sehabis baik memanfaatkan ruangan ini untuk mengemaskini tentang banyak perkara.

1) Kehidupan rumah tangga

Suami saya telah berjaya dalam rayuan beliau untuk berpindah ke Kuala Lumpur, dan tinggal bersama saya. Yay! =) Saya berasa sangat bersyukur kerana saya tidak perlu lagi berebut tiket Air Asia atau Firefly setiap kali ada promosi jualan tiket (lebih-lebih lagi dengan peralihan saham MAS ke Air Asia. Saya berpendapat keadaan ini adalah sangat merugikan kerana tiada lagi persaingan sihat dalam dunia penerbangan (is this correct?) seterusnya mengurangkan pilihan kepada pengguna. Owh, saya masih ada lebih kurang 20 tiket penerbangan pergi-balik ke Kuching dan saya akan bingkaikan `ittinery' tersebut sebagai kenang-kenangan. Nah!!Mungkin sekadar di`laminate' sahaja,hahaha!

2) Pekerjaan

Tiada apa yang menarik. Saya masih lagi setia dengan tempat pekerjaan sekarang. Saya terfikir untuk menyambung pelajaran ke peringkat Ijazah Sarjana (actually I have started writing my proposal pun...). Semoga, apa yang saya rancang akan terlaksana.

3) Pencarian rumah idaman

Wah!! Ini tajuk yang paling menarik. Saya sanggup duduk menghadap komputer, melihat pelancaran-pelancaran rumah yang terkini oleh pelbagai pemaju (Sime Darby masih dihatiku ;p). Saya juga semakin banyak menerima email jemputan pemaju-pemaju untuk hadir ke pelancaran awal rumah-rumah baru. Saya sangat teruja! Saya dan suami telah melihat Kajang 2 (pemaju: Metrowealth Kajang), Tiara Park Homes (pemaju: Kuen Lai Villa ), Maple Tarrace (pemaju: SD), Alam Impian (pemaju: InP dan NAZA TTDI) dan banyak lagi. Tapi, kami masih tidak dapat memutuskan rumah mana yang paling sesuai untuk dibeli. Kalau anda semua perasan, pada tarikh 15-17 Ogos yang lepas, terlalu banyak pelancaran awal projek dijalankan (I wonder is this a scam, or a coincident). Saya mendapat 5 jemputan pelancaran awal projek dari SD, Naza TTDI, Glomac dan sebagainya. Malangnya, pada tarikh tersebut, saya balik kampung (yes, now I already have a kampung! ;p) jadi saya tidak dapat menghadiri mana-mana pelancaran. Too bad..=(
Tapi, saya baru sahaja menghubungi NAZA TTDI, masih ada Aquina yang belum terjual (intermediate unit, you all!!). Dan, semalam, saya terjumpa dengan seorang Senior Exec InP, mereka akan melancarkan projek mereka yang terbaru di Alam Impian, selepas raya. Seronok kan bercerita tentang rumah? Lagi-lagi harta bertanah (landed property), rasa nak beli semua!
Owh, saya juga ada menerima jemputan daripada Glenmarie untuk satu projek mereka di Shah Alam. Guess what? Mereka menjemput 800 potential buyer yang telah mendaftar utk 180 unit rumah. Apa yang mereka buat, mereka jalankan cabutan undi untuk menentukan mereka yang `layak' memilih unit dan seterusnya membuat pembayaran deposit sekiranya berminat (WHAT!?). Banyak betul duit rakyat Malaysia sampaikan untuk beli rumah perlu dijalankan undi.Ok, saya tidak hadir juga kerana saya bekerja pada hari Sabtu yang tersebut.
Apa lagi ya? Owh, saya juga telah mendaftar untuk menghadiri pelancaran awal untuk projek InP di Alam Impian, projek PKNS di sebelah LRT Jelatek dan projek SD di Taman Melati. So, sila teruskan proses penyimpanan duit untuk membolehkan pembelian `property' yang pertama!

4) Emas

Satu lagi cerita yang menarik untuk dikongsi. Saya dan suami, kebelakangan ini amat gemar membeli emas; bukan emas perhiasan tetapi gold bar. Harga emas melambung sangat tinggi ketika ekonomi dunia menjadi meruncing (dengan hutang US yang mencecah US trillion, ketidakstabilan keadaan di UK). Kami membeli gold bar kami yang pertama pada bulan Jun (10g=RM 1700). Sekarang, nilai tersebut telah meningkat kepada (RM 2200)!Haaa! Menarik bukan? Mungkin anda semua pun blh buat perkara yang sama. Beli emas 999 dalam bentuk gold bar, untuk simpanan dan pelaburan jangka masa pjg. Selamat berjaya!

Saya rasa cukupla setakat ini, saya hanya sekadar ingin menghabiskan masa rehat 1-2 ptg saya. Nanti, kalau ada cerita yang menarik, akan saya rajinkan jari saya menekan papan kekunci komputer ini.

Selamat Hari Raya semua! Selamat bercuti! =)

Hanie

p/s- Is there anyone who would be very kind to give me RM 1 mill, I wanna buy one Mapple Terrace in Denai Alam..plz... ;p