10 Sebab Anda Tak Kaya Lagi

Many people assume they aren’t rich because they don’t earn enough money. If I only earned a little more, I could save and invest better, they say.

The problem with that theory is they were probably making exactly the same argument before their last several raises. Becoming a millionaire has less to do with how much you make, it’s how you treat money in your daily life.

The list of reasons you may not be rich doesn’t end at 10. Caring what your neighbors think, not being patient, having bad habits, not having goals, not being prepared, trying to make a quick buck, relying on others to handle your money, investing in things you don’t understand, being financially afraid and ignoring your finances.

Here are 10 more possible reasons you aren’t rich:

1. You care what your car looks like:

A car is a means of transportation to get from one place to another, but many people don’t view it that way. Instead, they consider it a reflection of themselves and spend money every two years or so to impress others instead of driving the car for its entire useful life and investing the money saved.

2. You feel entitlement:

If you believe you deserve to live a certain lifestyle, have certain things and spend a certain amount before you have earned to live that way, you will have to borrow money. That large chunk of debt will keep you from building wealth.

3. You lack diversification:

There is a reason one of the oldest pieces of financial advice is to not keep all your eggs in a single basket. Having a diversified investment portfolio makes it much less likely that wealth will suddenly disappear.

4. You started too late:
The magic of compound interest works best over long periods of time. If you find you’re always saying there will be time to save and invest in a couple more years, you’ll wake up one day to find retirement is just around the corner and there is still nothing in your retirement account.

5. You don’t do what you enjoy:

While your job doesn’t necessarily need to be your dream job, you need to enjoy it. If you choose a job you don’t like just for the money, you’ll likely spend all that extra cash trying to relieve the stress of doing work you hate.

6. You don’t like to learn:

You may have assumed that once you graduated from college, there was no need to study or learn. That attitude might be enough to get you your first job or keep you employed, but it will never make you rich. A willingness to learn to improve your career and finances are essential if you want to eventually become wealthy.

7. You buy things you don’t use:

Take a look around your house, in the closets, basement, attic and garage and see if there are a lot of things you haven’t used in the past year. If there are, chances are that all those things you purchased were wasted money that could have been used to increase your net worth.

8. You don’t understand value:

You buy things for any number of reasons besides the value that the purchase brings to you. This is not limited to those who feel the need to buy the most expensive items, but can also apply to those who always purchase the cheapest goods. Rarely are either the best value, and it’s only when you learn to purchase good value that you have money left over to invest for your future.

9. Your house is too big:
When you buy a house that is bigger than you can afford or need, you end up spending extra money on longer debt payments, increased taxes, higher upkeep and more things to fill it. Some people will try to argue that the increased value of the house makes it a good investment, but the truth is that unless you are willing to downgrade your living standards, which most people are not, it will never be a liquid asset or money that you can ever use and enjoy.

10. You fail to take advantage of opportunities:
There has probably been more than one occasion where you heard about someone who has made it big and thought to yourself, “I could have thought of that.” There are plenty of opportunities if you have the will and determination to keep your eyes open.

Jelingan Ayah

Jelingan Ayah …

Kisah ini benar-benar terjadi padaku sewaktu aku kanak-kanak dahulu.
Ayah aku suka memberi amaran padaku dengan menjeling garang jika aku
membuat sesuatu yang tidak disukainya. Contohnya, jika ke kedai,kalau aku
mengambil gula-gula, dia akan menjeling padaku bermakna aku disuruh letakkan
semula gula-gula itu ke tempatnya semula.

Suatu hari,aku mengikut ayah ke surau untuk solat maghrib.Ketika sedang
rukuk, aku melihat kain pelikat tok imam tersepit di celah punggungnya.
Aku yang ‘konon’nya ingin membantu,terus menarik kain yang tersepit itu.
Ayahku yang sedang solat terus memberi jelingannya padaku. Aku pun faham
maksudnya itu,lalu terus memasukkan semula kain pelikat tok imam itu
semula ke celah punggung tok imam tadi. Apalagi,melatah lah tok imam tadi.
Habis satu jemaah batal solat mereka kerana turut terkejut dengan latahan
tok imam tadi. Ayahku yang bermuka merah padam menahan malu dan marah
mengheret aku balik ke rumah. Malam tu, berbirat punggung aku dirotannya.

Moral : Jangan memandai nak masukkan kain ke celah punggung tok imam.

Adab Mendengar Azan

                                    ADAB MENDENGAR AZAN
                       Kematian itu pasti menjelma. Hanya masa dan waktunya
                        yang tidak kita ketahui.Cuba kita amati. Mengapa
                       kebanyakan orang yg nazak, hampir ajal tidak dapat
                      berkata apa-apa.. lidahnya kelu, keras dan hanya mimik
                        mukanya yang menahan kesakitan ‘ sakaratul maut’ .
                        Diriwayatkan sebuah hadis yg bermaksud: “Hendaklah
                        kamu mendiamkan diri ketika azan, jika tidak Allah
                      akan kelukan lidahnya ketika maut menghampirinya.”
                   Ini jelas menunjukkan, kita disarankan agar mendiamkan
                          diri, jangan berkata apa-apa pun semasa azan
                    berkumandang . Sebagai orang beragama Islam kita wajib
                        menghormati  azan Banyak fadhilatnya . Jika lagu
                      kebangsaan kita diajar agar berdiri tegak dan diamkan
                                           diri.
                        Mengapa ketika azan kita tidak boleh mendiamkan diri?
                       Lantas sesiapa yang berkata-kata ketika azan, Allah
                      akan kelukan lidahnya ketika nazak . Kita takut dengan
                       kelunya lidah kita semasa ajal hampir tiba maka kita
                       tidak dapat mengucap kalimah “Lailahaillallah..” yang
                    mana sesiapa yang dapat mengucapkan kalimah ini ketika
                       nyawanya akan dicabut Allah dgn izinNya menjanjikan
                      syurga untuk mereka. Dari itu marilah kita sama-sama
                     menghormati azan dan mohon kepada Allah supaya lidah
                       ini tidak kelu semasa nyawa kita sedang dicabut.
                     “Ya  Allah!  Anugerahkanlah kematian kami dengan kematian  
                     yang baik lagi mulia, lancarkan lidah kami  mengucap  kalimah “Lailahaillallah. .”
                    semasa sakaratul maut menghampiri  kami. Amin.. amin.. amin Yarobbala’lamin..”

Lelaki terangsang 30 kali sehari

Saya tertarik benar dengan khutbah Jumaat di tempat saya (Balai Islam, Flet Pekeliling) 15 Jun lalu. Isunya mengenai kewajipan menutup aurat. Disebabkan semua jemaah lelaki, khatib mengingatkan jemaah supaya memberitahu anak isteri supaya menjaga aurat masing-masing.

1. Ada yang pakai tudung singkat. Julurnya diikat ke belakang. Atau diikat ke leher. Maka nampaklah ‘kegebuan’ leher dan dadanya. Sedangkan dalam khutbah tadi, khatib membacakan ayat al-Quran yang meminta wanita melabuhkan tudung, menutup bahagian dada mereka.

2. Ada pakai tudung, tapi pakai T-shirt pendek. Malah ada yang pakai T-shirt tanpa lengan. Sudah tu ketat pula. Bukankah lengan itu aurat. Bahaya mendedahkan lengan yang ‘gebu’ itu. Yang dahsyatnya, ada pakai T-shirt singkat yang dipadankan dengan jeans terlondeh. Jadi apabila membongkok atau duduk, nampak seluar dalam, malah kadang-kadang alur bontot.

3. Ada pakai tudung, tapi pakai
jeans teramat ketat. Alur punggung pun terbelah dua. Bentuk bontot pun terserlah. Apa nak jadi ni?

4. Ada yang pakai tudung, tapi pakai kebaya ketat. Tidak cukup dengan tu pakai ‘kain koyak’ pula. Apabila berjalan, terserlahlah ‘kegebuan’ betis malah kadang-kadang paha pun tersembul.

5. Ada yang pakai tudung, tapi pakai kain singkat, macam skirt mini. Kaki bukan auratkah? Pakailah stokin!!!!!!!

6. Ramai perempuan pakai tudung, tapi bermekap tebal dan berwangi-wangian. Bibir merah menyala. Menunjukkan aksi seksi pula tu.

7. Ada perempuan bertudung, ‘merendek’ pula dengan pacar di bangku stesen bas dan pusat beli-belah. Ini menjatuhkan imej wanita bertudung.

8. Ramai perempuan suka pakai kasut bertumit tinggi. Apabila berjalan berbunyilah, tang, tang, tang. Dalam khutbah tadi, khatib memberitahu tidak boleh timbul bunyi yang boleh menaikkan syahwat lelaki.

Syahwat Lelaki

Berkenaan syahwat lelaki ini, saya berpendapat kebanyakan perempuan tidak memahaminya.

Ini kerana perempuan dan lelaki tidak sama dari segi biologi keinginannya.

Lelaki mudah saja naik syahwatnya
sedangkan perempuan tidak. Kebanyakan perempuan ingat lelaki macam dia. Itu tidak benar sama sekali.

Seorang rakan saya memberitahu, satu kajian mendapati lelaki terangsang secara puratanya sebanyak 30 kali sehari. Ini sudah semula jadi. Bukan dibuat-buat. Jadi bukan sesuatu luar biasa jika lelaki naik syahwatnya jika melihat aurat perempuan.

Itu normal. Jadi untuk selamat dunia akhirat, lelaki dan perempuan wajib jaga aurat masing-masing. Ikut saranan al-Quran dan hadis. Tafsiran ajaran al-Quran dan hadis disampaikan oleh ilmuan agama seperti khatib Jumaat itu.

Lelaki dan perempuan ikut saja panduan al-Quran dan hadis jika mahu selamat.

Jangan mahu dibantah hukum-hakam agama.
HENDAK SERIBU DAYA..TAKNAK SERIBU DALIH…..

PANDAI-PANDAI LAH NANTI MENJAWAB DAN BERDALIH DIHADAPAN ALLAH….Tak takut ker???

Saya perhatikan sekarang ini ramai perempuan bertudung. Alhamdulillah. Tetapi yang tidak sedapnya, semakin ramai wanita bertudung tetapi tidak menutup bahagian sensitif.

Lepas tu, disalahkan pula lelaki mata keranjang…Lelaki buaya darat…Lelaki mengganggu..Lelaki sexual harashment…..Sape suruh buat-buat suara manja?? Sape suruh ??? Sapa suruh telanjang dikhalayak ramai??? Akhir zaman, wanita berpakaian, tetapi hakikatnya mereka berbogel….Sape yang cakap tu?? :#)

wallahua’lam

Kisah Setin Air

KISAH SETIN AIR…

Sepasang suami isteri baru bercerai dan mereka bertengkar untuk tentukan hak penjagaan anak tunggal mereka. Pastu mereka pun pegi  la ke pejabat agama, jumpa kadi nak minta nasihat.

Kadi tanye kat pompuan tu…. “kenapa awak rasa awak yang paling layak bela anak tu?

Pompuan tu jawab… “saya yang mengandungkan anak tu. saya yang melahirkan anak tu. dia keluar dari perut saya.”

Si suami (ex-suami, actually) terkedu sebab dia tau pasni kadi akan tanye dia lak.
“ahhh…sudah…apa mende aku nak goreng kadi tua nih….”

Kadi pun tanye si ex-suami…”hah…kamu….bagi alasan kenapa anak tu kamu yang patut bela”

“Tuan kadi…kalaulah saya ada syiling singgit, dan saya ‘masukkan’ dalam vending machine, pastu saya tekan satu butang pilihan, maka keluarlah setin air minuman. Saya nak tanye tuan kadi, air tin yang keluar dari mesin tu hak saya atau hak mesin?”

Jawab kadi..”hak kamu le..”
Si ex-suami tu kata lak..”hah…sama le kes ni pun. Kan tuan… kan … kan “

Moral of the story:
1. Jgn samakan isteri anda macam vending machine.
2. Jgn samakan anak anda macam air tin
3. Jgn samakan ‘anu’ anda cam duit syiling . hehehehehhe

Breakfast at Mc Donalds

This is a good story and is true, please read it all the way through until
the end! (After the story, there are some very interesting facts!):

I am a mother of three (ages 14, 12, 3) and have recently completed my
 college degree.

The last class I had to take was Sociology..

The teacher was absolutely inspiring with the qualities that I wish every   human being had been graced with.

Her last project of the term was called, ‘Smile.’

The class was asked to go out and smile at three people and document their
reactions.

I am a very friendly person and always smile at everyone and say hello
anyway. So, I thought this would be a piece of cake, literally.

Soon after we were assigned the project, my husband, youngest son, and I
went out to McDonald’s one crisp March morning.

It was just our way of sharing special playtime with our son.

We were standing in line, waiting to be served, when all of a sudden
everyone around us began to back away, and then even my husband did.

I did not move an inch… an overwhelming feeling of panic welled up inside of me as I turned to see why they had moved.

As I turned around I smelled a horrible ‘dirty body’ smell, and there
standing behind me were two poor homeless men.

As I looked down at the short gentleman, close to me, he was ’smiling’.

His beautiful sky blue eyes were full of God’s Light as he searched for
acceptance.

He said, ‘Good day’ as he counted the few coins he had been clutching

The second man fumbled with his hands as he stood behind his friend.

I
realized the second man was mentally challenged and the blue-eyed gentleman was his salvation.

I held my tears as I stood there with them.

The young lady at the counter asked him what they wanted.

He said, ‘Coffee is all Miss’ because that was all they could afford. (If
they wanted to sit in the restaurant and warm up , they had to buy
something.  He just wanted to be warm).

Then I really felt it – the compulsion was so great I almost reached out
and embraced the little man with the blue eyes.

That is when I noticed all eyes in the restaurant were set on me, judging
my every action.

I smiled and asked the young lady behind the counter to give me two more
breakfast meals on a separate tray.


I then walked around the corner to the table that the men had chosen as a  resting spot.

I put the tray on the table and laid my hand on the blue-eyed

gentleman’s cold hand.

He looked up at me, with tears in his eyes, and said, ‘Thank you.’

I leaned over, began to pat his hand and said, ‘I did not do this for you.  God is here working through me to give you hope.’

I started to cry as I walked away to join my husband and son.

When I sat
down my husband smiled at me and said, ‘That is why God gave you to me,
Honey, to give me hope.’

We held hands for a moment and at that time, we knew that only because of
the Grace that we had been given were we able to give.

We are not church goers, but we are believers.

That day showed me the pure Light of God’s sweet love.

I returned to college, on the last evening of class, with this story in hand.

I turned in ‘my project’ and the instructor read it.

Then she looked up at me and said, ‘Can I share this?’

I slowly nodded as she got the attention of the class.

She began to read and that is when I knew that we as human beings and being part of God share this need to heal people and to be healed.

In my own way I had touched the people at McDonald’s, my son, my instructor,
and every soul that shared the classroom on the last night I spent as a college student.

I graduated with one of the biggest lessons I would ever learn:

UNCONDITIONAL ACCEPTANCE.

Much love and compassion is sent to each and every person who may read this and learn how to

LOVE PEOPLE AND USE THINGS – NOT LOVE THINGS AND USE PEOPLE.