Ahad, 11 Disember 2016

SIGNS OF A MUNAFIQ (HYPOCRITE) It is narrated from Hazrat Abu Huraira that the Beloved Rasool said: 

There are three signs of a Munafiq (hypocrite). When he talks, he lies; When he makes a promise, he does not fulfil it, and when something is given to him in trust, he violates this trust.

 About the Narrator Hazrat Abu Hurairah is a well known companion of the Prophet . Narrations explain that he was known as Abu Hurairah (Father of Kittens), because he always kept a kitten with him. One narration says that once he had a kitten in his sleeve and the Prophet saw this and called him Abu Hurairah. He spent all or most of his time in the Court of Rasoolullah . His mother was against Islam initially, but later accepted Islam through the Dua of Rasoolullah . From Amongst the Sahaba-e-Kiraam, the most Ahadith are narrated from him. Initially, he had a very weak memory. He informed the Prophet of this. Rasoolullah asked him to place his shawl on the ground. The Prophet then placed his hands into his shawl twice and asked him to place the shawl to his chest. From this day on, he never forgot any Hadith. He narrated about 5374 Ahadith of which 305 have been recorded by both Bukhari and Muslim. Even though he spent most of his time learning Hadith, He prayed 1000 Raka’ats of nafil daily. He always made the following Dua, O Allah, I ask refuge from the year 60 Hijri and the rule of boys. His dua was accepted and he passed away in the year 59 Hijri, one year before the rule of Yazeed Paleed. 

Brief Explanation of The Hadith This Hadith clearly explains the signs of a hypocrite. It shows that one who is a hypocrite will definitely have these signs in him or her. It must be noted that hypocrisy is generally in two categories. The first is called Nifaaq fil Itiqaad (Hypocrisy in faith) This is when a person claims to be a Muslim, yet he has kufr in his heart. The second type is called Nifaaq fil Amal (Hypocrisy in Deeds) In other words, this type is when one does that which is contrary to the stature of a Muslim. This is hypocrisy, such as the three signs mentioned in the Hadith. It is for this reason that it is said that a Munafiq can never be trusted. The most dangerous people are those who are hypocrites in faith. Those who claim to be believers yet try to destroy the Imaan of the True Muslims from within. There were even such people in the Glorious Era of the Beloved Rasool and Rasoolullah unveiled them and made it clear that we should disassociate ourselves from such people. The companionship of munafiqs, like the deviates of this era, is absolutely detrimental. 

We should make it our duty to keep ourselves and our families away from them, so that they may no plunge us into fitna and fasaad. Allah Protect us from the hypocrisy and the mischief of the hypocrites! Aameen 

Rabu, 2 November 2016

Top 10 reason to buy life insurance

We spend money to buy something for the satisfaction of possessing it. But life insurance is a product we can’t see, can’t touch, and probably can’t enjoy it either in our lifetime. Why should we buy life insurance then?
Protect your wealth
This is the main reason people buy life insurance. Nobody likes to see his hard earned money all swept away in diseases related disaster. We work hard in our whole life to increase our economy value. There is no guarantee that we can enjoy a long life to realize our economy value. Only two things are certain: tax and death. When death arrive sooner that we thought, life insurance will be our wealth creation tool to instantly generate the cash we could have earned.
Show your love to your family
“We love because it’s the only true adventure.” – Nikki Giovanni
Love is indeed an adventure. Our life is an adventure too. It is full of risk. We can show our love in a thousand ways when we are still around. But when we die, how are we going to love our family? At least, life insurance can take care of our family’s financial well-being.
Show that you are a responsible person
Did you ever notice that most of the victims who died in road accidents didn’t buy life insurance? I can say most of them have none or buy only a tiny sum assured. An irresponsible person drives recklessly and carelessly almost all the time. If you are a responsible person, you will care for others. Certainly buying adequate life insurance shows that you are responsible and trustworthy to your spouse, your children, your parents and the one you love!
Our health is deteriorating everyday
Do you know anyone who is getting healthier everyday? By the time he is 100 years old, he is at the peak of his health condition. He can live on forever! Gosh, people are getting older and this is an undeniable and unstoppable fact. Our health is deteriorating every minute. We never know the exact time a disease will strike us. Fear of illnesses motivates people to buy life insurance.
Practice the habit of forced saving
When we face the shortage of cash, withdrawing money from our life insurance policy is always the last resort. In the fear of losing the life insurance policy, we are forced to make the regular premium payment. In the long term, life insurance is a great saving tool. It forces us to save for the future, and also for the unforeseen disaster.
Funding a trust
A trust is an arrangement under which one person, called a trustee, holds legal title to property for another person, called a beneficiary. People create maintenance trust to provide regular income for family. The cheapest way to fund a trust is using life insurance. The cost of premium is only a few percentage of the trust fund we intend to create. For instance, paying premium of $1000 annually is able to get a life insurance policy worth $100,000 for a person below age 30.
Funding a business operation
An employer takes out an insurance policy insuring against loss of profits arising from the death, sickness or injury of a key employee. The beneficiary is the employer. The life insurance policy bought is known as key-person insurance. The insurance payout will be used as emergency fund for business operations. 
Funding Buy-sell agreement in partnership business or corporation
Every co-owned business needs a buy-sell agreement the moment the business is formed or as soon after that as possible. Every day that value is added to the business without a plan for future transition, it increases its financial risk. What happen if one of the partners decided or forced to exit the business? The most common triggering events are dispute, death, disability and retirement. Life insurance can be used to fund purchases of the deceased shares in the event of death.
charitable trust is a trust established for charitable purposes. Charities may take the form of charitable trusts, companies or unincorporated associations. Some wealthy entrepreneur buys insurance to fund their charitable trust.

Rabu, 20 April 2016

Insuran kemalangan memang nampak lumayan manfaatnya tapi persoalannya, perlu ke ambil?
Ramai orang membazir RM30 – 40 sebulan mengambil insuran kemalangan. Daripada anda membazir wang anda sebegini, lebih baik masukkan dalam unit trust yang memberikan pulangan anda 8 – 20% setahun.
Insuran kemalangan yang dimaksudkan memberikan manfaat ini apabila pemegang polisimengalami kemalangan. Skop kemalangan itupun kurang jelas, mungkin berbeza pada setiap syarikat. Kena baca dan faham polisi anda betul-betul dahulu. Antara manfaatnya:
1) Lump sum payment beratus-ratus ribu sekiranya meninggal dunia atau TPD.
2) Elaun hospital
3) Bayaran ambulans
4) Claim perubatan
5) Pendapatan kalau TPD


Sebab utama saya cakapkan membazir adalah kerana semua manfaat ini hanya boleh dituntut sekiranya berlaku kemalangan.
Kalau anda jenis yang kerja di pejabat, memandu kereta dalam bandar tiap-tiap hari traffic jam, memang mengarut sebenarnya untuk ambil plan ini sebab risiko anda untuk mengalami kemalangan yang boleh menyebabkan kematian / kecacatan kekal adalah sangat rendah.
Kebanyakan insuran kemalangan adalah polisi tradisional yang bukan investment linked plan (ILP). Jadi apa yang kita bayar 100% tiada manfaat pada kita kalau tidak dapat claim daripada polisi ini.
Memandangkan kereta zaman sekarang semuanya menekankan ciri keselamatan yang hebat-hebat (ANCAP, 7 airbag, VSA dan macam-macam lagi) adalah sangat rendah risiko anda untuk menghadapi kemalangan maut atau kecacatan kekal akibat kemalangan.
Walaupun insuran kemalangan murah, namun duit yang dibelanjakan untuk insuran kemalangan ni lebih baik disalurkan ke tempat lain seperti simpanan bulanan atau naikkan kadar perlindungan kematian dan penyakit kritikal.


Walaupun begitu, insuran kemalangan ini masih releven kepada beberapa golongan tertentu sahaja. Antaranya:
1) Individu yang bekerja di kawasan yang berisiko tinggi sebagai contoh pelantar minyak, tapak pembinaan dan mana-mana pekerjaan yang dah memang sedia maklum bahaya berdasarkan sejarah kes-kes yang pernah berlaku.
2) Individu yang mempunyai hobi berbahaya seperti lumba kereta atau konvoi motosikal berkuasa tinggi.
3) Mereka yang tidak mampu untuk memiliki plan Takaful dan medical card.
Bukan semua orang memerlukan insuran kemalangan. Jangan terpedaya dengan tawaran manfaat insuran kemalangan yang lumayan.

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