Azrul Syahriman Bin Salleh & Norasyida Binti Ahid 222, Lot 2574, Lrg B3, Kpg Tunku, Jln Astana, Petra Jaya, Kuching, Sarawak. Azrul: 016-3973634 Syida: 016-8734036 (Whatsapp or Telegram only)
Wednesday 29 February 2012
Investments in oil gas and services amounted to RM132b
from Business Times
The government's revenue from Petronas (Petroliam Nasional Bhd) remains high, buoyed by high prices as well as contributions from its overseas operations, he added. Investments in the oil and gas sector and its ancillary support services announced recently amounted to some RM132 billion. They included Shell-Petronas' RM35 billion Enhanced Oil and Recovery project as well as Petronas' RM60 billion Refinery and Petrochemicals Integrated Development Project (Rapid) in Johor. On the liberalisation of the services sub-sector, Mustapa said of the 17 identified, eight have been allowed to hold 100 per cent foreign equity. The remaining nine will be liberalised in phases by year-end. They include primary and secondary education services, courier services, telecommunications services (network facilities provider), specialised medical and dental services, legal services, architectural services and engineering services. The biggest difficulty has been legal services, Mustapa said, adding that some amendments have to be made to the Legal Profession Act to enable the move.
Tuesday 28 February 2012
Keterangan Imam Hajj AbdalHasib Castineira
STATEMENT FROM IMAM HAJJ ABDALHASIB CASTINEIRA
Shariah Counselor of World Islamic Mint and Former Imam of the Great Mosque of Granada
Kuala Lumpur, August 16, 2010
Bismillah irrahman irrahim,
Regarding the matter of the Gold Dinar and Silver Dirham and Legal Tender in Malaysia
The Gold Dinar and Silver Dirham known as Shariah currency or Shariah coins in the Fiqh are not legal tender. The Shariah currency has no relation to present fiat currencies on many accounts and should not be legally or practically be compared or treated as the same. The Gold Dinar and Silver Dirham relates to religious matters, most important of which is the matter of payment of Zakat, rather than constitutional matters.
Its introduction can only occured on voluntary basis since freedom is a command from Allah in all commercial transactions including the acceptance of money. Its usage has been throughout history open to Muslim and non-Muslims alike.
All Praise is due to Allah, the most Compassionate, the most Merciful, the Lord of all the worlds, the King of the Day of Judgment, Who has gathered all knowledge in His Essence and Who is the Creator of all knowledge for eternity. All peace and blessings be upon His beloved Prophet, Muhammad, who was not taught by man but by Him, He was the last and most honored Prophet, the last in the chain of prophethood that was brought to this world and has guided us to the right path. May abundant peace and blessing be upon his Family and his Companions, who were chosen among the good and benevolent.
In relation to the present concern of the people regarding the Launching of the Shariah currency in the State of Kelantan on the last 2nd of Ramadhan 1431, as a witness of the momentous ceremony of the Launching in the city of Kota Bharu and as Shariah Counselor of World Islamic Mint, I would like to state in a manner of clarification and support to this initiative the following:
1.- The Gold Dinar and Silver Dirham are not legal tender. Legal tender or forced tender is an offered payment that, by law, cannot be refused in settlement of a debt, and have the debt remain in force. Personal cheques, credit cards, debit cards and similar non-cash methods of payment are not legal tender only the notes and coins of Malaysia are Legal Tender. The issuing of Legal Tender is the exclusive prerogative of the Federal Government and the Government of Kelantan never had nor has the intention to issue Legal Tender as that is legally impossible.
2.- The Dinar and the Dirham are known in the fiqh (see [a] Muqaddimah of ibn Khaldun) as the “Shariah currency”or “Shariah coins”. The term “Shariah coins” is specific to the Dinar and Dirham and is not applicable to any other coin made in gold, silver or any other material. Any other coin is known as “non-shari’i” (ibn Khaldun).
3.-Properly speaking the term “alternative currency” is not applicable to the Shariah coins or currency because the term “Shariah coins” is specific to the Dinar and Dirham and therefore is not alternative to any other coins or currency (non shari’i). It stands on its own without alternative. The use of the expression “alternative currency” can only be used if proper explanation is given in regards to the fundamental differences that exist in relation to the legal tender currencies such as the Malaysian Ringgit.
The Malaysian Ringgit is an entirely different legal concept and has different functions. The Malaysian Ringgit is not based on a commodity (in Arabic ‘ayn, meaning tangible merchandise) like the Dinar and Dirham, the Malaysian Ringgit a promissory note (in Arabic dayn, meaning debt or liability) with no intrinsic value (its value as ‘ayn/tangible merchandise is the value of the paper close to zero) but with a fiat value which established by the compulsion law of the Federal Government through the Law of Legal Tender and it can change from time to time.
On the other hand, the value of the Dinar and Dirham depends entirely on the market value of the commodity (gold and silver) on which it is manufactured, just like a kilo of rice depends on the value of rice. This difference in important in religious terms, for example, zakat which is a legal obligation of the Shariah has to be paid in ‘ayn but cannot be paid in dayn. (see [b] Al-Kasani). Muslims should, if having the choice(if no choice is given or no ‘ayn is available then darurah, that is exceptionality, is temporarily applicable), pay with ‘ayn rather than dayn.
5.- In linguistic sense, the Dinar and Dirham are not face values, but names that indicate specific weights. The Dinar is a specific weight of 4.25 grams and it is also known as mithqal in Arabic. The Dirham is a specific weight of 2.975 grams or 7/10 of the mithqal. In a way they are legally the same as saying “1kg of rice”. Therefore they are specific weights of commodity (gold and silver) which are mentioned in Qur’an and in many aspects of the Shariah regarding zakat and legal judgments; and thus they cannot be altered in their weight.
6.- In history, the Shariah coins has never been legal tender. In the practice of the early Muslim community the Shariah coins were not only currency used as means of payment. Barley, dates or salt were also used as means of payment and therefore no exclusive right was given to the Shariah coins. The reason for this “freedom to choose the medium of exchange” is that money is considered a part of trading it is regulated under the same Qur’anic injunction that regulates trade: “tijaratun ‘aan taradim minkum”, the meaning of which is “trade according to mutual consent”. “Mutual consent” excludes the idea of compulsion or monopoly in regards to trading. (see [c] Tafsir al-Jalalayn).
This is another reason why the Dinar and Dirham are not legal tender and have never been legal tender. Freedom to choose the medium of exchange is a fundamental right granted by Allah to Muslims and non-Muslims alike. The use of the Shariah currency is therefore inclusive of non-Muslims.
7.-The term “currency” is commonly understood as legal tender or as fiat money that carries a face value. Since the “Shariah coins” are not legal tender and do not have a face value the” Shariah coins” should be better understood as a commodity rather than as “currency” in the common use of the term.
Regarding current common practices, the use of the “Shariah coins” belongs to the category of barter, that is, the mutual exchange of products and services. It is arguable that in the past, before the introduction of legal tender laws, transactions made with gold and silver were consider normal transactions and the term barter was applicable to all other transactions. Therefore the use of the term “Shariah currency” should be understood with the limitations explained above and in consideration to the historical practice of the Muslims as it is relevant in the Islamic Jurisprudence.
8.- Until very recently in history “paper currencies” were defined as promissory notes in terms of gold and silver. In that sense they represented an ‘amanah’ (trusting wealth to someone who will keep it for you until you demand it) that is an obligation to pay on demand a certain amount of gold and silver. We know from history that this obligation was often not fulfilled and eventually the governments of the world decided gradually to eliminate the obligation to pay in specie altogether.
The closest case of the default is the US dollar and its unilateral decision to break their “Bretton Woods Agreement”. This concept of ‘broken amanah’ is known in the Qur’an and carries legal implications as to the prohibition to accept amanah from non-Muslims unless they live under Muslim rule so that they can be obliged to pay their contractual obligations (see [d] Qadi Abu Bakr ibn al-Arabi). This legal injunction, which in theory implies the prohibition to accept British pounds, US dollars, etc. ( or any other currency backed by them), has been abrogated long ago since the colonial days by new laws that consider that this legal injunction is no longer applicable.
Under the inspiration of the colonial legal systems, the constitutional Law of all Muslim countries including Malaysia grants the right to accept foreign promissory notes from non-Muslim countries (such as USD) to their own Central Bank (Bank Negara) as a reserve value for their own fiat currency. Because of this many Muslims (and non-Muslims) still mistakenly belief that their own fiat currency is backed by gold and silver when in fact no legal tender in the world is fully backed by specie anymore.
The gold dinar and silver dirham are commodities and therefore they are not an ‘amanah: they are a tangible commodity (‘ayn), that is, when you pay with them, you hand over a certain amount of gold and silver and therefore they do not require to be backed by any other asset or authority other than itself. This is another reason why the Shariah currency cannot be compared or considered an alternative to “paper currencies”.
9.- Legal Tender is often a misunderstood concept. Coins and banknotes do not need to be ‘legal tender’ in order to be used as money to buy and perform other transactions for which money is intended. Legal tender must be accepted to settle a money debt. For example, US federal law does not restrict private businesses, persons or organisations in what methods of payment they choose to accept or refuse. Businesses are therefore free to insist on payment by credit card, for example, or to refuse larger denomination banknotes. In Canada for example, only Canadian dollar banknotes issued by the Bank of Canada are legal tender; however, commercial transactions may legally be settled in any manner agreed by the parties involved. A significant amount of business in Canada is transacted in United States dollars, despite United States currency not being legal tender. Legal tender can be refused unless or until a person is in debt, therefore vending machines and transport staff do not have to accept the largest denomination of banknote for a single bus fare or bar of chocolate, and even shopkeepers can reject large banknotes. However, restaurants that do not collect money until after a meal is served (a debt has been created) would have to accept any legal tender. The right of a trader to refuse to do business with any person means a purchaser cannot demand to make a purchase, and so declaring a legal tender other than for debts would be redundant.
10.- The minting of the Dinar and Dirham is a known practice of the Muslims from the early days of Islam. The first dated coins that can be assigned to the Muslims are copies of silver dirhams of the Sasanian Yezdigird III, struck during the Khalifate of Uthman, radiallahu anhu. These coins differ from the original ones in that an Arabic inscription is found in the obverse margins, normally reading “in the name of Allah”. Since then the writing in Arabic of the name of Allah and parts of Qur’an on the coins became a custom in all minting made by Muslims. In the year 75 (695) the Khalif Abdalmalik ordered Al-Haddjadj to mint the first dirhams, officially establishing the standard of Umar ibn al-Khattab, radiallahu anhu: 7/10 of the mithqal. The next year he ordered the dirhams to be minted in all the regions of the Dar al-Islam. He ordered the coins to be stamped with the sentence: “Allahu Ahad, Allahu Samad”. The minting of the coins is considered an obligation of the Sultan that needs to be followed (see [e] al-Qurtubi).
And Victory belongs to Allah. In Him we trust and praise belong to the Lord of the worlds and peace and blessings on His Messenger.
The slave of Allah, Hajj Abdalhasib Castineira, in Kuala Lumpur, on the 5th of Ramadhan, 1431.
NOTES
A] Imam Abu Zayd Ibn Khaldun (d. 1406)
“The Revelation undertook to mention them and attached many judgments to them, for example zakat, marriage, and hudud. Therefore within the Revelation they have to have a reality and specific measure for assessment (of zakat, etc.) upon which its judgments may be based rather than on the non-shari’i (other coins).
Know that there is a consensus (ijma) since the beginning of Islam and the age of the Companions and the Followers that the dirham of the shari’ah is that of which ten weigh seven mithqals (weight of the dinar) of gold… The weight of a mithqal is seventy-two grains of barley, so that the dirham which is seven tenths of it is fifty and two fifths grains. All these measurements are firmly established by consensus.”
“Al-Muqaddimah”
B] Imam Abu Bakr al-Kasani ( d.1191)
“If the property on which zakat fell due is dayn, as distinguished from ‘ayn, its zakat may be settled in terms of ‘ayn wealth. Thus a person having a claim of two hundred dirhams on which zakat is due, may give, in settlement of the same, five dirhams in cash, because dayn as compared with ‘ayn is defective (naqis) and the ‘ayn is complete (kamil), and a settlement of the defective in terms of the complete is valid. On the contrary, the settlement of the complete ‘ayn in terms of the defective (dayn) is not valid, and therefore, the zakat debt is not discharged if a person wants to pay the zakat of two hundred dirhams which he possesses (i.e. ‘ayn) in terms of the five dirhams which a poor person owes him (i.e. dayn); namely, by absolving him from the debt intending it for his own zakat debt on the two hundred dirhams.”
“Bada’i` al-Sana’i”
C] Shaykh Jalaluddin al-Mahalli & Shaykh Jalaluddin al-Suyuti
Allah says in the Qur’an (4, 29):
{ يَٰأَيُّهَا ٱلَّذِينَ آمَنُواْ لاَ تَأْكُلُوۤاْ أَمْوَٰلَكُمْ بَيْنَكُمْ بِٱلْبَٰطِلِ إِلاَّ أَن تَكُونَ تِجَٰرَةً عَن تَرَاضٍ مِّنْكُمْ وَلاَ تَقْتُلُوۤاْ أَنْفُسَكُمْ إِنَّ ٱللَّهَ كَانَ بِكُمْ رَحِيماً }
Tafsir:
“O you who believe, consume not your goods between you wrongly, unlawfully according to the Law, through usury or usurpation, except it be trading (tijāratan, also read tijāratun), so that the goods be from trade effected, through mutual agreement, through mutual good-will: such [goods] you may consume. And kill not yourselves, by committing what leads towards destruction on account of some affiliation, be it in this world or the Hereafter. Surely God is ever Merciful to you, when He forbids you such things.”
“Tafsir al-Jalalayn”
D] Qadi Abu Bakr Ibn al Arabi (d. 1148)
Allah says in the Qur’an (3:75):
“And amongst the People of the Book there are those who, if you were to entrust them with a treasure (qintar), he would return it to you. And amongst them is he who, if you were to entrust him with a dinar would not return it to you, unless you kept standing over him. “
Tafsir:
“the benefit that can be taken from this is the prohibition of entrusting (amanah) the People of the Book with goods. The question concerning entrusting property is legislated by the text of Qur’an.”
“Ahkam al-Qur’an”
E] Imam Abu Abdallah Al-Qurtubi (d. 1273)
Allah says in the Qur’an (4:59):
“O you who believe! Obey Allah and obey the Messenger and those in command among you..”
Tafsir:
“The ayat is an order to obey the Sultan in respect to seven obligations: the minting of the dinar and the dirham, fixing weights and measure, legal judgments, Hajj, Jumu’ah, the two Eids and Jihad.”
“Al-Jami’ li-Ahkam al-Qur’an”
Monday 27 February 2012
Board looking for candidate outside group
from Business Times
On the appointment of a new chairman for BCorp, its chief executive officer (CEO) Datuk Robin Tan Yeong Ching said the board is looking for a candidate outside of the group. "The new chairman will have big shoes to fill. We are looking for someone who can add value to the group. We are in no hurry to fill the post," he said. The senior Tan relinquished his position as chairman of BCorp after having earlier handed over the reins of CEO to Robin Tan, his eldest son, in January last year. The self-made billionaire, who founded BCorp nearly three decades ago, has appointed his son as the interim chairman while the board seeks a suitable candidate for the post. By Sharen Kaur
Saturday 25 February 2012
TM sets aside RM2.6b for capex
from Business Times
In its last quarter ended December 2011, TM's profit jumped 49 per cent to RM598.3 million, largely due to the recognition of deferred tax income on unutilised tax incentives. "In the last quarter, we saw strong growth in UniFi clients to 236,501. All in, we've rolled out UniFi to 1.16 million premises, covering 78 exchange areas," said Zamzamzairani. Last year, TM posted RM1.19 billion in profits on RM9.15 billion revenue. Its operating profit before finance cost of RM1.24 billion was 4.4 per cent lower than RM1.30 billion in 2010. This is because 2010 results included a RM365.3 million gain from the sale of Axiata and Measat shares while 2011 saw only a RM283.5 million gain on disposal of Axiata shares. Last year's net profit dipped 1.3 per cent to RM1.19 billion from RM1.21 billion, due mainly to unrealised foreign exchange loss on RM58.6 million borrowings. This year, TM has set aside RM2.6 billion for capital expenditure. Other key performance indicators it announced included maintaining 5 per cent revenue growth, 32 per cent profit margin and customer satisfaction measure of 72.
Maxis eyes new revenue streams
from Business Times
"More importantly, we want to see new revenue streams coming in this year. We are very excited about turning in a stronger financial performance this year," he said at a media briefing on the company's results. Revenue growth, he said, is expected to come from the rising demand for data from wireless broadband, Internet access and other non-voice services on the back of lower voice segment growth. Last year, the non-voice segment grew an impressive 17 per cent and made up 43.5 per cent of Maxis' total mobile services revenue. Sandip said the company is strengthening grip on future revenues, justifying its continued investment in the past two to three years in data infrastructure and partnerships. He said Maxis is expecting the government to grant the 4G LTE (fourth generation long-term evolution) technology very soon, adding that the company could spend close to RM1 billion over the next two to three years on the 4G LTE alone if it takes off. By Rupinder Singh
Salah satu kaedah pelaburan emas yang melibatkan ar Rahnu dan Dinar
Teknik rahsia kumpul emas-rempit
Anda sebenarnya boleh menjalanjan pernaigaan Emas secara berseorangan tanpa mencari pelanggan, namun ianya tetap menguntungkan.Di sini saya akan tunjukkan anda cara bagaimana dengan menggunakan konsep gadaian ar-rahnu (agrobank) boleh menambahkan keuntungan anda.
Andai kata anda membeli 1 Dinar Emas sebanyak 10 keping dengan nilai semasa (RM640 bagi setiap keping @ RM6400)
Maklumat tentang pajakan ar-rahnu AgroBank
- Nilai pajakan = maksimum 70%
- Kadar upah simpan = 75 sen bagi setiap nilai simpanan
- Tempoh masa = 6 bulan + 6 bulan
Langkah 1
Gadai 10 Dinar Emas @ Gadaian 1
Nilai Emas semasa = RM6400
Pinjaman maksimum @ 70% = 6400 X 70/100 = RM4480 (dapat duit dari ar-rahnu)
Langkah 2
Dengan jumlah wang yang diperolehi RM4480 boleh beli 7 Dinar lagi dengan harga RM640 1 Dinar maka anda beli lagi 7 Dinar
Gadai 7 Dimar Emas @ Gadaian 2
Nilai Emas Semasa = RM4480
Pinjaman maksimum @ 70% = 4480 X 70/100 = RM3136 (dapat duit dari ar-rahnu)
Langkah 3
Dengan jumlah wang yang diperolehi RM3136 (anda tambah RM64) boleh beli 5 Dinar lagi dengan harga RM640 maka anda beli lagi 5 Dinar
p/s : Jangan gadai 5 Dinar ini ( simpan sendiri)
Jumlah Dinar yang telah dibeli = 22 Dinar
Kiraan kadar upah simpan
Gadaian 1
Nilai gadaian pertama ialah RM6400, kadar upah simpan ialah RM6400 X 0.75/100 = RM48 sebulan @ RM288 – 6 bulan
Gadaian 2
Nilai gadaian kedua ialah RM4480, kadar upah simpan ialah RM4480 X 0.75/100 = RM33.60 sebulan @ RM201.60 – 6 bulan
Jumlah upah simpan selama 1 tahun bagi kedua-dua gadaian = (RM48 X 12) + (RM33.60 X 12) = RM576 @ RM979.20* Bayaran upah simpan perlu dibayar setiap 6 bulan
Proses Penebusan Semula Dinar Setelah 1 Tahun Pajakan
Sebagaimana yang kita ketahui nilai kenaikkan emas setiap tahun minimum = 28%
Maka, harga emas bagi 1 Dinar setelah 1 tahun – RM640 X 28% = RM819.20- Jual kesemua 5 Dinar ditangan anda – 5 x RM819.20 @ RM4096
- Gunakan wang hasil jualan 5 dinar untuk bayaran penebusan gadaian anda, dengan nilai di atas anda dapat menebus sebanyak 6 dinar.
Baki hutang pinjaman anda ialah RM7616 – RM4096 = RM3520
- Bagi menyelesaikan baki pinjaman RM3520 anda jual lagi 5 dinar daripada 6 yang telah ditebus.
- 5 x RM819.20 @ RM4096 – RM3520 = RM576 ( baki ditangan anda setelah bayar kepada ar-rahnu)
Sekarang anda telah membayar kesemua nilai pinjaman anda cuba kita kira nilai Dinar Emas yang ada ditangan anda;
Jumlah Dinar Emas yang tinggal = 11 Dinar x RM819.20 @ RM9011
Berapa untung anda ?
Nilai Dinar semasa – Modal anda ( modal beli 10 dinar + upah simpan + topup RM56 semasa beli 5 dinar terakhir)
RM9011 – RM6400 -RM979.20 – RM64 = RM1567.80 + ( RM576 - baki dari jualan 5 dinar yang ke 2)
Untung Bersih = RM2143.80
Perbandingan dengan ASB
Dengan jumlah wang yang sama RM6400 sekiranya anda simpan di ASB (dividen dan bonus ) 8% setahun
RM6400 X 8/100 = RM512
Kesimpulannya – ILMU + TINDAKAN = KEUNTINGAN
Tip dari saya:
Apa yang saya tunjukkan ini adalah konsep menjana keuntungan “Paling Malas”, jika anda benar-benar bijak anda dapat menjana keuntungan lebih tinggi.Bagaimana caranya? – Bayar saja pinjaman anda setiap bulan dengan kadar yang anda mampu sekurang-kurangnya anda dapat menyelamatkan beberapa Dinar dari terjual yang mana contoh di atas anda telah menjual sebanyak 10 Dinar.
Friday 24 February 2012
Tan pledges to donate half his wealth to charity
from Business Times
Born in Batu Pahat, Johor, Tan worked as a clerk and an insurance agent before going into business in the 1980s. In 1982, he bought McDonald's franchise for Malaysia and in 1985, he purchased Sports Toto when the lottery agency was privatised by the government. An avid scuba diver, Tan also supports nature's conservation and has promoted efforts to encourage the proliferation of corals and the cleaning up of beaches. As a measure of his philanthropy, at the inaugural Berjaya "Founder's Day" celebrations last year, Tan publicly pledged to donate half of his wealth to charity during his lifetime. By Goh Thean Eu
Thursday 23 February 2012
Wednesday 22 February 2012
Tuesday 21 February 2012
'Upside earnings surprises in store'
from Business Times
Analysts said expectations on banks to deliver a good set of numbers in their upcoming quarterly financial results had also helped to drive banking stocks up. "As illustrated by the BNM's latest statistics for December, loan growth and asset quality of the domestic banking sector have remained strong. We foresee that there may be some upside surpri-ses on the ongoing fourth quarter calendar year 2011 results to be announced by the banks," said Cheah. The reduction of China's reserve requirement ratio has also boosted investors' optimism on the stock market. "Such easing policy will be a great boost for the market, as it will improve the market liquidity. There will also be expectation that the ongoing easing policy in China may be followed suit by other Asia members," said another analyst from a local brokerage. Alliance Research maintained its "overweight" rating for the local banking sector, while RHB Research, in its report last week, upgraded the local banking sector to "neutral" from "underweight" previously.
Monday 20 February 2012
Foreign firms want more liberal environment
from Business Times
DRB-HICOM is the largest automotive company by sales. On the 1.8-litre segment, Mustapa said he had received keen interest from foreign automotive companies including the Chinese and Japanese for a more liberal environment in the segment. The current policy does not allow foreign carmakers to get the licence to directly manufacture vehicles in the segment. Foreign manufacturers now produce vehicles such as Honda Civic, Toyota Corolla Altis and Kia Forte with their Malaysian partners. Overall, the NAP will help Malaysia regain its lost status as the region's largest passenger car market that has now been overtaken by Thailand, with Indonesia following closely. It will also bring a lot of focus towards developing energy-efficient vehicles, Mustapa added.
Sunday 19 February 2012
Taken From Adieha Blog (Herbalife Distributor)
http://myh3rbalif3.blogspot.com/2011/06/herbalife-body-recovery-reaction.html
a) katelah org ni amik F1 only
breakfast = hl shakes (RM 5.25)
lunch = hl shakes (RM 5.25)
dinner = normal meal (RM ?)
total spent per day to buy HL = RM 10.50
total spent per month (x30) = RM 315
b) katelah org ni amik F1 + Teamix 100g
breakfast = hl shakes (RM 5.25) + teamix (RM0.84)
lunch = hl shakes (RM 5.25) + teamix (RM0.84)
dinner = normal meal (RM ?) + teamix (RM0.84)
total spent per day to buy HL = RM 12.18
total spent per month (x30) = RM 365.40
c) oh.. takut tak aci lak kan.. sy bg lg satu.. katelah org ni amik F1 + F3 + teamix 100g. (1 set.. yg paling mahal)
breakfast = hl shakes with F3 (RM 7.85) + teamix (RM0.84)
lunch = hl shakes with F3 (RM 7.85) + teamix (RM0.84)
dinner = normal meal (RM ?) + teamix (RM0.84)
total spend per day with HL = RM 18.22
total spent per month (x30) = RM 546.60
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Antara 10 Tabiat Rosakkan Otak :
1. Tidak mengambil sarapan pagi
Apabila seseorang tidak mengambil sarapan pagi, paras gula dalam darah akan menjadi rendah. Ini akan mengakibatkan kekurangan bekalan nutrisi pada otak dan menjadikannya kurang aktif.
2.Terlebih makan
Ia akan membebankan pembuluh darah otak dan mengurangkan kuasa mental otak.
3.Perokok
Asap rokok akan mengakibatkan sel-sel otak terjejas atau terbakar dan boleh mengakibatkan penyakit ‘Alzheimer’.
4.Penggunaan gula yang berlebihan
Pengambilan gula secara berlebihan akan mengganggu penyerapan protein dan nutrisi. Selain daripada itu, ia akan mengganggu perkembangan otak yang sihat.
5.Pencemaran udara
Otak adalah pengguna oksigen terbesar dalam badan manusia.Pencemaran udara boleh menyebabkan pengurangan bekalan oksigen ke otak dan keaktifan otak.
6.Terlebih tidur
Tidur adalah bagus untuk merehatkan otak tetapi masa tidur yang panjang boleh mengakibatkan sel-sel otak kita mati.
7.Menutup muka ketika tidur
Tidur sambil menutup muka akan mengakibatkan otak menerima lebih banyak karbon dioksida berbanding oksigen dan ini akan membawa kerosakan kepada otak.
8. Membiarkan otak bekerja semasa kita berada di dalam keadaan kurang sihat
Bekerja semasa anda kurang sihat boleh mengurangkan keberkesanan otak dan juga membawa kerosakan kepada sel-sel otak.
9.Kurang berimiginasi
Berfikir adalah satu cara terbaik untuk melatih otak kita. Kurangnya berimiginasi boleh menyebabkan tahap kecerdasan/keaktifan otak menurun.
10.Jarang berfikir
Jarang berfikir akan menyebabkan otak kita kurang aktif. Oleh itu, perbincangan yang membina boleh menambah keberkesanan kecerdasan otak kita.
BENEFIT OF EACH HERBALIFE PRODUCT
F1
• Memecah lemak-lemak tepu yang tersumbat pada saluran hos darah. (penyebab darah tinggi, kolestrol, diabetes, gout, buah pinggang, masalah jantung & strok)
• Memperbaiki sel – sel rosak & reput dalam badan.
• Membina sel – sel menjadi kuat & sihat, keimunan badan bertambah & antibodi menjadi kuat melawan penyakit berbahaya.
F3
• Meningkatkan metabolik tubuh terutama yang mempunyai berat badan berlebihan kerana metabolik badan yang rendah serta tidak mampu mencernakan sepenuhnya makanan berkalori tinggi.
• Menenangkan kadar stress otak (bagus untuk minda)
• Anti Kanser
• Penegang otot-otot & kulit untuk mengelak dari kendur contohnya bagi yang mengalami pengurangan berat badan mendadak setelah program Herbalife.
• Mengenyangkan
Teamix
A- Anti kanser
B- Membakar Lemak tepu
C- Membersihkan sistem di dalam badan
D- Mengeluarkan toksin-toksin terkumpul dalam badan akibat daripada persekitaran dan bahan makanan.
E- Memberi Tenaga
Aloe-Vera Concentrate
• 13 saat terus meresap dalam villa-villa dalam perut.
• Memperbaiki villa-villa yang telah rosak & reput
• Villa-villa yang bagus akan meresap makanan-makanan yang bagus serta yang tidak bagus akan dibuang.
• Melancarkan masalah penghadaman @ sembelit.
• Memperbaiki masalah ulser @ luka-luka dalam badan.
Friday 17 February 2012
JUDICIAL INDEPENDENCE - Reblog
1. According to the former chief justice Tun Mohd Dzaiddin Abdullah, “The Federal Constitution lost its fundamental structure when Article 121 was amended in 1988 and the provision in reference to the judicial power in the constitution removed”.
2. What is the amendment about? It is about the procedure giving the Attorney General the responsibility for specifying which court should hear a case. Originally Section 418A (1) of the Criminal Procedure Code reads, “Notwithstanding the provision of section 417 and subject to Section 418B, the Public Prosecutor may in any particular case triable by a Criminal Court subordinate to a High Court issue a certificate specifying the High Court in which the proceedings are to be instituted or transferred and requiring that the accused person be caused to appear or be produced before such High Court”.
3. In December 1986 when Datuk Yap Peng was charged with criminal breach of trust, the public prosecutor issued a certificate under Section 418A of the Criminal Procedure Code requiring the case to be transferred to the High Court.
4. Datuk Yap’s counsel during the trial in January 6, 1987 (before the amendment) argued that the transfer was unconstitutional and that “Section 418A violated Articles 121 (1) and 5 (1) of the Federal Constitution”. The trial judge concurred.
5. The Public Prosecutor then appealed to the Supreme Court. The Supreme Court upheld by a 3:2 majority decision, the decision of the trial judge (read here).
6. Interestingly, Tan Sri Hashim Yeop A. Sani and Tun Salleh Abbas dissented against the majority.
7. Tan Sri Yeop Sani said, “Section 418A has been examined by the Courts on a number of occasions”. Clearly the courts in the past did not conclude that Section 418A was against the constitution. The practise of the AG transferring a case from a lower court to a higher court must have continued and regarded as part of procedure.
8. Salleh Abbas, giving his minority dissenting view said: “I cannot see how this power…could be regarded as an encroachment upon judicial power of the court. In my view, it is neither a judicial power nor an encroachment of that power”.
9. It was probably to make clear the situation and to restore the right of the AG that he decided to include the amendment to Article 121 (1) when the Constitution was to be amended to clarify the role of the Rulers in law-making.
10. I must admit that I did not seek clarification from the AG at that time and regarded this inclusion as not altering the judicial powers in any way. Before the amendment the AG had this power under the CPC. But it was the court which took away this power on the grounds that it violated Articles 121 (1) and 5 (1) of the Federal Constitution.
11. It is normal that whenever a law needs to be amended to facilitate the process of justice, then it would be amended. The Constitution was drafted by mere men and it cannot be perfect.
12. The rights and functions of the judiciary have not been subservient to the politicians or the Prime Minister before or after the amendment. This is because the amendment involves only the procedure in which the AG was given back the responsibility to transfer cases. It did not give the Prime Minister any authority to overrule the courts.
13. Tun Dzaiddin pointed out the case of the removal of Tun Salleh Abbas as Chief Justice as evidence that the judiciary is subservient to the Government.
14. In the first place I was not the one who wanted Tun Salleh to be removed. It was the request (command) of the Agong. I have already explained the circumstances involved in my memoirs.
15. There is provision in the Constitution for a judge to be removed. Neither the Agong nor the Prime Minister can dismiss him. A tribunal has to be set up and the case for dismissal heard.
16. All these procedures were followed to the letter. Two foreign judges were on the panel. The Panel decided on Salleh’s removal and not the Prime Minister or the Government. Simply because Salleh was removed in accordance with the Constitution does not mean the judiciary is subservient to the Government or the Prime Minister. If judges cannot be removed at all, the Constitution would say so. But the Constitution carries provision only for a judge to be removed.
17. I would like to know of instances, in the years Tun Dzaiddin was Chief Justice, when I had interfered with the courts in any way.
18. Perhaps Tun Dzaiddin might be able to tell more about lobbying for high judicial appointments. Malay adats have a very powerful role in the governance of this country.
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Thursday 16 February 2012
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Wednesday 15 February 2012
Monday 13 February 2012
REGIME CHANGE - Reblog
1. Amerika Syarikat bersama dengan negara-negara Eropah lain dan juga Israel berhajat untuk melakukan “regime change”, iaitu menukar kerajaan-kerajaan negara-negara di dunia yang tidak menyokong mereka.
2. Mereka akan melakukan “regime change” ini melalui pelbagai cara. Di Iraq mereka melaksanakan “sanction” sekatan dagangan pada mulanya dan kemudian berperang dengan Saddam Hussein untuk menukar kerajaan Iraq. Dan mereka berjaya.
3. Mereka juga cuba menukar kerajaan Iran dengan menghasut dan membantu Iraq untuk berperang dengan Iran. Usaha ini gagal. Hari ini mereka masih mencuba dengan menyekat negara-negara di dunia daripada membeli minyak Iran.
4. Perancangan dibuat untuk menukar kerajaan Syria menggunakan berbagai-bagai sekatan kewangan dan dagangan, serta membantu pemberontakan melawan Kerajaan Syria. Usaha ini sedang diteruskan.
5. Di negara-negara Arab apabila ada pemberontakan untuk menjatuhkan kerajaan, Amerika dan Eropah memberi bantuan wang dan senjata, bahkan melancarkan serangan bersenjata untuk menjatuhkan kerajaan yang tidak disukai oleh mereka.
6. Di Chile dahulu, Presiden Allende yang dipilih oleh rakyat melalui proses demokrasi, dibunuh oleh agen-agen Amerika supaya Jeneral Pinochet yang disokong oleh Amerika dapat menjadi Presiden. Amerika lebih suka seorang diktator yang ganas daripada pemimpin yang demokratik jika ianya tidak sokong Amerika.
7. Dimana-mana sahaja Amerika dan Eropah memberi bantuan mengguna media mereka untuk memburuk kerajaan tertentu supaya rakyat digerak untuk mengguling kerajaan yang tidak berbaik dengan Amerika dan Eropah.
8. Di Indonesia sokongan diberi kepada tenteranya untuk menjatuhkan Sukarno. Kemudian pelbagai jenis tekanan diguna untuk menjatuhkan Presiden Suharto.
9. Dimana sahaja kita lihat Amerika bersama Eropah dan Israel, tidak berhenti-henti mencuba menjayakan “regime change” supaya dapat mereka kuasai semua negara di dunia.
10. Apakah Malaysia tidak menjadi sasaran untuk “regime change”? Memang pun Malaysia menjadi calon untuk “regime change” kerana Malaysia tidak mengiktiraf Israel dan mengkritik beberapa dasar Amerika Syarikat.
11. Calon Amerika dan Israel untuk mendiri kerajaan boneka ialah Anwar Ibrahim. Sejak awal lagi mereka menjalin hubungan yang rapat dengan Anwar.
12. Anwar pula ternampak jelas menganggap sokongan Amerika boleh menjayakan cita-citanya untuk menjadi Perdana Menteri Malaysia. Oleh itu Anwar memberi gambaran bahawa ia adalah seorang liberal yang terima dan sokong konsep-konsep kebaratan seperti hak asasi manusia, kebebasan dalam serba-serbi, sikap anti-kroni dan rasuah kononnya, penolakan DEB yang dikatakan menindas kaum tertentu di Malaysia dan bermacam lagi yang boleh mendapat pujian dan sokongan oleh Amerika. Ia cukup berjaya kerana Amerika anggap Anwar amat layak untuk melaksanakan “regime change” di Malaysia.
13. Pelobi yang amat berkesan di Amerika ialah orang Yahudi. Ramai dari kawan-kawan Anwar di Amerika seperti Paul Wolfowitz, Cohen dan lain-lain adalah dari kumpulan neo-con yang mencipta dasar penaklukan dunia oleh Amerika (Project for the new American Century).
14. Demikian apabila Anwar dihadapkan di mahkamah kerana tuduhan liwat, mereka mengecam Malaysia kerana kononnya menghalang cita-cita Anwar untuk menjadi Perdana Menteri Malaysia. Sudah tentu jika Anwar tidak dapat menjadi Perdana Menteri maka gagallah rancangan “regime change” Amerika.
15. Tidak hairanlah kenyataan Anwar bahawa ia menyokong segala tindakan untuk keselamatan bagi Israel. Sudah tentu ini akan menarik sokongan Amerika dan media mereka. Orang Palestine tidak boleh menolong Anwar.
16. Melihat sokongan Amerika kepadanya Anwar Ibrahim adalah calon Amerika untuk melakukan “regime change” di Malaysia dengan menjadi Perdana Menteri Malaysia. Kerajaan yang ada sekarang tidak disenangi oleh Amerika kerana bersikap berkecuali, berbaik-baik dengan Cina dan Russia dan tidak menyokong sentimen Amerika terhadap Iran dan beberapa negara lain.
17. Adalah menjadi harapan Amerika, apabila “regime change” berjaya di Malaysia dan Anwar menjadi Perdana Menteri maka mungkin Malaysia akan ada hubungan diplomatik dengan Israel dan menjauhkan diri dari perjuangan Palestine. Dengan ini sebuah kerajaan boneka akan tertubuh di Malaysia yang akan sokong apa sahaja usaha Amerika untuk menakluk dunia.
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