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Monday, March 30, 2009

Menjadikan Kehidupan Lebih Senang

Mahu belajar cara untuk tambah nilai kredit, membayar bil air, astro, elektrik melalui telefon bimbit anda?

Semuanya melalui SMS dan miss call sahaja.

Perbankan SMS

  • Penggunaan SMS untuk perhubungan dan komunikasi sudah sebati dalam kehidupan manusia pada zaman ini.
  • Seiring dengan ledakan industri TELEFON BIMBIT, SMS bagai satu kaedah yang tidak boleh dipisahkan.
  • Mobile Money International Sdn. Bhd. merupakan perintis di Malaysia yang menjalankan sistem pembayaran menggunakan TELEFON BIMBIT, yang bermula pada tahun 2007.
  • Syarikat telah melaburkan RM 4 juta untuk membangunkan sistem pembayaran menggunakan telefon bimbit dan menjadi kaedah alternatif yang SELAMAT dan MUDAH.
  • Penggunaan perkhidmatan seperti ini semakin meluas di EROPAH dan ASIA.
  • Penggunaan Mobile Money masih baru lagi di Malaysia, teteapi dalam jangka masa 3 atau 4 tahun lagi perkhidmatan ini dijanga mendapat sambutan apabila ramai pengguna sedar mengenai kemudahan serta keselesaan menggunakannya.
  • Perisian/software Mobile Money ini boleh menghasilkan pendapatan SEUMUR HIDUP (RESIDUAL INCOME-PENCEN) kepada pengguna.
Apakah perkhidmatan yang ditawarkan Mobile Money kepada penggunanya?

  1. Membeli prepaid untuk diri sendiri atau untuk orang lain. (Maxis, Digi, Celcom, i-Talk, dll) Anda akan dapat komisen atas penggunaan kemudahan ini.
  2. Bayar bil utiliti, Astro, cukai pintu, indah water, TM, Celcom, Digi, Maxis, AIA, Etiqa, PTPTN dan banyak lagi.
  3. Bayar pinjaan rumah, pinjaman kereta dan kredit kad; Affin, Alliance, Ambank, CIMB, Direct Access, Muamalat, Bank Islam, B Rakyat, EON Bank, HLB, Maybank, PBB, RHB, Citi Bank, OCBC, HSBC, Standard Chartered, BSN, UOB.
  4. Sentuh dan bayar di mana-mana kedai yang menerima Mobile Money
  5. Anda akan menerima komisen dengan setiap transaksi anda di atas.

Anda cuma perlu membayar RM110 untuk memiliki perisian/software di dalam telefon bimbit anda. Anda akan menerima voucher bernilai RM 100. Dengan voucher tersebut anda boleh menebus kepada barang-barang seperti kaca mata, spirulina, pen drive, madu, habatuss sauda dll. RM 10 pula dibayar untuk insurans kepada perkhidmatan ini.

Mobile Money International Sdn. Bhd.

Latar belakang syarikat
  • Syarikat ditubuhkan pada Februari 2005
  • Modal berbayar 21 juta
  • Pemegang sahau utama
-PBB Group Bhd. (Anak syarikat kumpulan Robert Kuok)
-Lee Eng Sia (Pengarah & Pengasas Mobile Money)

  • Pengerusi - Dato' Zainal Abidin bin Putih
- Bekas Pengerusi Pengurusan Dana Harta
- Pengarah : Malaysian Accounting Standard Board
- Pengarah : Tenaga Nasional Berhad, ESSO Malaysia Berhad dan CIMB

AFIQ : 0194528324

Sunday, March 22, 2009

You Raise Me Up


When I am down and, oh my soul, so weary;
When troubles come and my heart burdened be;
Then, I am still and wait here in the silence,
Until you come and sit awhile with me.

You raise me up, so I can stand on mountains;
You raise me up, to walk on stormy seas;
I am strong, when I am on your shoulders;
You raise me up... To more than I can be.

You raise me up, so I can stand on mountains;
You raise me up, to walk on stormy seas;
I am strong, when I am on your shoulders;
You raise me up... To more than I can be.

You raise me up, so I can stand on mountains;
You raise me up, to walk on stormy seas;
I am strong, when I am on your shoulders;
You raise me up... To more than I can be.

You raise me up, so I can stand on mountains;
You raise me up, to walk on stormy seas;
I am strong, when I am on your shoulders;
You raise me up... To more than I can be.

You raise me up... To more than I can be.

Success in Life

SUCCESS??? What is the meaning of success for you??

Success is the hardest thing to achieve for all human beings.
Success is the good fortune that comes from aspiration, desperation, perspiration and inspiration when someone is still a student. The road to success is always under construction. That's mean the studies field in this world is never end.

How to become a success person??

  • How you think is everything. Remember to “think positive” at every opportunity. Visualize success, not failure. Avoid negative environments and people.You are what you think. In fact, a study shows that positive thinking actually increases longevity.
  • Decide on your dreams and goals. Be specific about your goals. For example, say “I am taking a cooking class next month,” rather than “I would like to take a cooking class sometime.” Create a plan to reach your goals, and stick to it.
  • Take action. Goals alone have no meaning; you need to take action to make them real. Don’t let fear hold you back. "Just do it."
  • Never stop learning. Take classes, go back to school, read books, join a discussion group. If you are interested in a subject, make time to learn about it. Keep acquiring new skills.For more information, read The Benefits of Lifelong Learning for Older Adults.
  • Be persistent and work hard. You’ve probably heard the expression, “success is a marathon, not a sprint.” Keep your eye on the goal, and keep working toward it. Don’t give up.
  • Communicate with people effectively. Remember that no person is an island. Communicate your thoughts and desires honestly, and encourage others to communicate honestly with you. Practice understanding and motivating other people.
  • Be honest and dependable; take responsibility for what you do. Never cheat or lie. When you make a promise, keep it. When you screw up, admit it.Without honesty, dependability and responsibility, the other nine secrets of success don’t add up to much.

Besides, failure is also one of the way for you to success. This is besause, failure can bring you to achieve the branch of study that you have choose.

"The greatest barrier to success is the fear of failure." Sven Goran Eriksson

Fail is your way to success! Why failure is so wonderful?

This is because failure can bulid your self confidence. Self confidence is the difference between feeling unstoppable and feeling scared out of your wits. Your perception of yourself has an enormous impact on how others perceive you. Perception is reality — the more self confidence you have, the more likely it is you’ll succeed. Although many of the factors affecting self confidence are beyond your control, there are a number of things you can consciously do to build self confidence.


To build your self confidence, you must try your best in every branches of study that you have choose. You must sit in front of your teacher or lecturer while they teaching in front of the class or 'kuliah' room. Most people prefer to choose to sit at the back side because afraid of their lecturer and teacher.By deciding to sit in the front row, you can get over this irrational fear and build your self confidence. You’ll also be more visible to the important people talking from the front of the room.

Besides, you must also try to speak up in small group or in front of your class. During group discussion, many people prefer not to speak because they afraid people will judge the something not good of themselves. This perception is not true. Generally, people are much more accepting what did you give to them.In fact most people are dealing with the exact same fears. By making an effort to speak up at least once in every group discussion, you’ll become a better public speaker, more confident in your own thoughts, and recognized as a leader by your peers.



It is not easy to success and not easy to fail. But, if you can manage yourself very well, you can achieve what you want. If you fail to plan, you plan to fail.. But, fail is not the meaning that you fail. Failure can be a jump stone for you to success.

Friday, March 20, 2009

Knowledge is power

Knowledge is defined in the Oxford English Dictionary as (i) expertise, and skills acquired by a person through experience or education; the theoretical or practical understanding of a subject, (ii) what is known in a particular field or in total; facts and information or (iii) awareness or familiarity gained by experience of a fact or situation...


If we are muslims, compulsory for us to know how to spreading salaams...


Initiating salaams is considered 'Sunnah' or optional, returning the salaams after it is offered is considered 'wagib' or obligatory, based on the first Qur'anic ayah mentioned. Islam also encourages people to offer the first greeting as mentioned in the Hadiths mentioned previously.

The Prophet was asked about the most appropriate way to give salaams as shown in the following Hadith:

Anas (may Allah be pleased with him) says that a man asked the Prophet :

"O Messenger of Allah , when any one of us meets a Muslim brother or a friend then should he bow his head (as a sign of courtesy to him)?' He said: 'No.' The man said: 'Should he embrace him?' He said: 'No.' The man then asked: 'Should he clasp his hands?' He said: 'Yes." (Tirmithi)

Unfortunately, now in our community Muslims have adopted other methods of giving salutations, and as we can see in this Hadith, The Prophet was very precise about how salaams were to be given.

We as Muslims, should remember that Prophet Muhammad is the best example for us to follow in all aspects of our life, and we should be careful not to add anything new to the Deen of Islam, for fear of implying that the Prophet Muhammad did not complete his mission.


There are certain situations under which it is preferable not to offer salaam. These include; when a person is relieving himself, when one is having marital relationship, when someone is sleeping or when in the bathroom.

Offering salaam when someone is reciting the Qur'an is permissible but discouraged. The same rule applies to someone who is making du'a or one who is praying.


There are several etiquette's to be followed with respect to the exchanging of salaam. The Prophet (saws), for example said:

"The person who is riding should offer salaam to the one who is walking; and the one who is walking should greet the one who is sitting; and the smaller group should greet the larger one." (Bukhari and Muslim)

Aside from the situations mentioned in the Hadith, the one who enters a house should initiate salaam to those already there. Furthermore, if one enters his home, it is preferable to offer salaam, even if there is no one at home by saying "Assalaamu alayna wa ala ibadillahi assaliheen" (i.e. peace be upon us and the righteous servants of Allah). With respect to salaam between the young and the old, the young is expected to begin the greeting.

It is also considered improper for someone to meet a group of Muslims and offer salaam only to some of them. The greeting must be for all in the group. If a group of people offer salaam to an individual at the same time, he may reply only once to all of them.

The head should never be bent as a sign of greeting. We bend our heads only to Allah. It must also be emphasized that other body gestures in any form or shape (for example, raising eyebrows, extending the arms, smiling, winking, etc.), cannot replace uttering the words of salaam.

Salaam for someone at a distance can be offered by saying the salaam and waving the hand. Waving the hand alone, however, is not considered a salaam.

Salaam is not only confined to the time of meeting only but it extends to when separating as well.

Abu Hurairah (may Allah be pleased with him), relates that the Prophet said:

"When one of you joins a gathering, he should greet those present; and when he leaves them he should salute them, because the first salutation is not better than the last one." (Abu Dawud and Tirmithi)


Umar bin Khattab: "There are three ways of showing sincere brotherly love: give him the greeting of Salaam when you first meet him, make him comfortable, and call him by his favourite names."

Sa'id bin al-As: "I owe my sitting-companion three things: on his approach I greet him, on his arrival I make him welcome, and when he sits I make him comfortable."


There are two fundamental categories of human beings: Muslims and Non-Muslims. Any human being who chooses to submit to his Creator is called a Muslim and his way of life is Islam. A Muslim is a precious being in the sight of Allah. The Muslim gains special privileges, honour and dignity because of Islam. They are people (Muslims) who have achieved peace (Salaam) by accepting Peace (Islam). The salutation of Salaam is a special blessing of Allah for the Muslims. The first conclusion is that the Muslims should use Salaam to salute fellow Muslims because it is only befitting for them to do so.

It is below the dignity of the Muslim to use such expressions below their noble status. The Muslim should not degrade himself, by using Non-Muslim salutations; or his fellow Muslims, by saluting them with Non-Muslim salutation; and nor his Deen al-Islam, by adopting the ways of the Non-Muslims. The second conclusion is that Muslims should not use Non-Muslim salutations amongst themselves because these are unfit for them. The Muslims should not only refrain from using Non-Muslim salutations, but they should abhor such practices.

Characteristics of a good person

Defining a "genuinely" good person and assessing what characteristics are representative of a good person is a bit different. Some people have a few characteristics that depict a good person, but may have characteristics that overshadow the good. A person may give you the shirt off their back, but turn around and rob a bank. A genuinely good person stands firm by the definition of good, in public as well as private. They are consistent in character. They are real...

Good person is one of the step before you become a success person.

Characteristics of a good person..:-


Compassion comes from the heart of a good person. It extends from the heart to others and offers empathy, support and understanding. A compassionate person feels the other's pain as if it were their own. They are willing to reach out and offer comfort. They are the type that won't mind if you call at 2am if you need a shoulder to cry on.


A good person is filled with kindness. They plant seeds that help others thrive. The kind person offers of themselves to others. They don't wait until a catastrophe strikes, but practice kindness in everyday life. They recognize needs in others without having to be asked to step in and help. Their conscience doesn't allow them to neglect others. They don't just help within their comfort zone, but are willing to make sacrifices.


Forgiveness is a characteristic of a good person. They let go of resentment, the anger and bitterness. They don't allow toxins to overshadow joy in their lives and the joy they can offer to others. They unfold a loving heart without seeking revenge. They aren't a door mat to be walked on, but realize we all make mistakes.


A good person respects others, but this respect is derived from respect for themselves. They value their own worth, their own feelings as well as others. They listen attentively because your thoughts and feelings matter. They open their mind to diversity in thoughts and opinions without making you feel lesser or judging unfairly. They may not agree with you, but they handle differences, respectfully.

Honest and Trustworthy

A good person is trustworthy and doesn't gossip. They don't get pleasure from hurting others. They hold your secrets in confidence as if a cherished treasure. You won't be left with doubts as to who they are or where you stand with them. Their word is truth and filled with honesty.


A good person stands firm for their beliefs, not just when it's comfortable, but when anything threatens to come between themselves and their beliefs. They rise above adversity and hold faith they can endure the storms in life.

A genuinely good person makes a good role model. They strive to do the right thing because that is the core of who they are. At they same time, they recognize room for growth and take accountability for their mistakes and make amends where necessary. They draw others in and exude something special that radiates authenticity. Being a good person is a choice. It's about being authentic to yourself and others and not swaying from your true self to play deceptive characters.