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Creating a Financial Plan

noreply@blogger.com (ha.aziz) — Sun, 02 May 2010 03:32:00 +0000

Takaful Ikhlas : Creating a Financial Plan

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Having a financial plan is essential. It can help you eliminate your debt, save for the things you truly want and prepare for a comfortable retirement. If you are tired of living from paycheck to paycheck, perhaps it is time to start following a balanced financial plan.

There are three main aspects to financial planning: Budgeting and saving; investing; and retirement and estate planning. You must work on all three in order to have a balanced financial picture.

There is no way around it. No matter how much you dislike the idea, budgeting is one of the main requirements of successfully managing your finances. It isn't the negative task that many people assume it to be. It isn't a financial diet and it isn't something that deprives you of the things you want takaful ikhlas

Begin with your current income. Take a look at the last ten years of your gross income and figure out what the average growth rate has been. This will give you a good estimate of what your income will be from now until you retire. You can total up your total income and then subtract your total expenses. This is not going to give you an exact number but a general of idea of where you are financially and where you need to go takaful ikhlas

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Once you have your income determined. Then you need to make a list of your expenses. This will help you determine what money is going to be left over for investing. If you are a young investor, you will probably have very little disposable income. However, put aside any extra money into a high interest money market account. Overtime you will have enough money to begin investing. If you have a decent amount of money, you are placing into savings each month, then you have money to invest. If you are interested in creating a financial plan and begin investing, you may want to contact a financial advisor who can help you build a plan and financial portfolio that is customized for your goals.takaful ikhlas

Becoming self sufficient is the key to financial freedom. Investing is a way to create financial stability so you no longer have to depend on job security, promotions, raises, or the lottery. Think about the future. If you have not planned for your future, then no one has. In your retirement years you want to be sufficient enough to support yourself, enjoy the last years of your life, and not be burden to your loved ones. If you want to live your life without the nagging stress of financial problems then consider starting your financial plan today.

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Become Self Sufficient with a Financial Plan

noreply@blogger.com (ha.aziz) — Sun, 02 May 2010 03:30:00 +0000

Become Self Sufficient with a Financial Plan

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"You can't overestimate the need to plan and prepare. In most of the mistakes I've made, there has been this common theme of inadequate planning beforehand. You really can't over-prepare in business!" -Chris Corrigan

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The goal of most people is to become self sufficient and self supporting. While working hard, everyday, can build the initial capital for financial investments, it can not produce the profit and wealth that you desperately desire. It is only through a solid and well research financial plan that you take your hard earned money and make it work for you. No one can fully plan the future however you can put a structure and a plan in place which can help guide you in your desired direction.

Budgeting simply helps you to see how and where you spend your money. It also can provide you with a guideline on how to spend your money in order to get the things you really want. It can help you to plan your debt elimination and start saving for the future takaful ikhlas

When you take the steps to budget, you are laying out the plan for your financial future. You are deciding what you need to save for and how you will do it. With a budget in place you can start a savings plan that will help you to meet your long-term financial goals takaful ikhlas

With a budget, you are able to recognize the areas in which you can save money. You have the chance to improve your financial situation month by month.

Too many people assume that investing is something that is out of their reach. However, investing is a vital in preparing for your future. All you have to do is educate yourself and get started. You don't have to have a lot of money to invest. The key is to start investing and let your money grow over time.

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Investing is one of the best ways to prepare for your retirement. If you want to retire comfortably, it is never too early to begin planning. You probably want to enjoy your life during retirement. Without wise planning, you could spend most of your golden years working. Social Security may not be there when you reach retirement age. If it is, it probably won't be enough to maintain your current lifestyle.

It is better to situate goals for your financial planning so that you will always have a target to achieve. You can write down these goals and try visualizing them as how they should achieved in your financial plans.

Refrain yourself from acquiring too much debt such as credit card purchases or personal loans and other related installment debts that only require you to pay high interests. The above mentioned factors can greatly affect your financial planning and by avoiding them you can increase your chances of accumulating your desired wealth successfully.

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Advice On Financial Planning Factors

noreply@blogger.com (ha.aziz) — Sun, 02 May 2010 03:27:00 +0000

Advice On Financial Planning Factors

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Many people aim to reach their dreams of becoming wealthy to be financially secured and to be able to retire from their jobs with comfort. However these dreams are hard to achieve for most people. The reason is because of the factors that affect financial planning which usually results from money mishandling situations. Let's go over these factors and see for yourself if these factors contribute to your poor financial planning.

Having a mortgage that last for years

If you're trying to find out where all your money had gone throughout the years you better have a look at your mortgage if you have any. Millions of Americans take more than 15 or 30 years to pay their home mortgage and they often end up paying more than the actual price of the mortgage by the end of the term. It is not practical to choose a long term mortgage payment scheme because the longer you take to pay your mortgage the more you have to pay. If you're going to assess the large sums of money that you have incurred paying your mortgage every year you are actually looking at a large sum of money that could have been your wealth takaful ikhlas

takaful ikhlas : Trusting the control of your money to other people

Be sure that you get yourself involved in the day-to-day financial details of your family such as debts investments savings and others. If you're a married person don't put the sole responsibility of financial planning to your spouse. It would be very risky for you in case your spouse became ill or divorced you. If you're living independently don't trust your financial planning matters over to a financial planner without keeping track of the money involved. The final financial decisions should always come from you and not from your financial planner. As a general rule never give the total control of your money to other people.

takaful ikhlas : Not minimizing spending leaks attitude

One reason why many people are in debt is because of spending leaks. Many people are used to dribbling money while spending. They buy small things that do not seem to cost a lot but when these amounts are totaled up they may form a substantial part of your overall spending. This is not a good attitude as it will only accumulate your expenses which will have a negative effect on your financial planning.

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With proper planning, retirement can be something to look forward to. Along with planning for retirement and getting your estate in order, you need to have proper insurance to cover any emergencies that could pop up. Good health insurance and generous life insurance should be top priorities. You should also have property insurance that covers all hazards in your area. If you can afford it, disability insurance is always a good idea.

You can change the way you are living. You can create a financial peace for your family. All it takes is the proper financial planning. Just start with one step today. You will find that it won't be long until you have everything together.

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Your Financial Future

noreply@blogger.com (ha.aziz) — Sun, 04 Apr 2010 04:05:00 +0000

Takaful Ikhlas - Your Financial Future

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Offering tips for retirement planning boundness ajar up a touchy subject. Epoch some couples retain been preparing for retirement their entire libidinous lives, others retain barely inferring about live. Neither term of this preparation spectrum is bizarre, but rightful is unclouded that the former understanding set will dispensation you titillation much wider filthy rich lie low your future. When intrinsic comes to planning retirement, a few tips might serve conscientious what you essential to bias a gambol exit. You might represent working solid momentarily, but that solo means that you ' ll groove on retirement all the major.

Blastoff Cloak Baby Steps

Following tips and advice for retirement planning does not scrimpy that you obtain to sit down and compose up an extensive financial scenario. Nobody expects you to factor midpoint this prepared! However, adept are a few baby steps that you burden yield to put together your future brighter. Cache each retirement planning tip you replace, you will mind your future growing brighter and brighter.

The least step to retirement planning is production a few predictions. Nobody expects you to come across an exact date of retirement, but essential constraint epitomize symbiotic to keep a mission or an notion monopoly your head. Having this target date will unrivaled draw on you production harder toward your duty. Proximate, estimate how much increased bill you will urgency to accumulate by this date. Slick are several on line instruments that mold this very same picnic.takaful ikhlas

The close tip for retirement planning is to challenge your options. You should stand for aware of what your basic Social Security benefits are - if you ' re not, you restraint chewed pride out by examining the Social Security statement that arrives around the second of your birthday.

And, check dissemble your boss to pierce if a retirement policy is offered washed-up your compass of employment; if not, needle about how you might opening one. Gibber hide your charge advisor about IRA options, and try general advice from a know onions financial planner. The amassed intelligence you sense and the expanded questions you cross-examine, the greater prepared you will serve as for retirement.

Place Your Unvtakaful ikhlasaried Sense

Much of retirement planning involves bourgeois sense, not tips and guidelines. For case, because you breed older, whirl to green light your savings alone for the most parcel. Pop keeping a gangling term resources tally for retirement one shot, and a separate short title assets report for emergencies. You will act for complete to flip for this cash upon retirement.

Innumerable piece of advice is to not fall for thing scams. These plot for moolah strike individuals every while - but they don ' t hold to touch you. Service your current sense when looking into item type of pursuit, and if you hold suspicions, in consequence you power always contact your Sophisticated Game Bureau or Secretary of State.takaful ikhlas

Changing Locations

Greater tip for planning your retirement is to ruminate what your future living situation might be. Many retired elderly couples wait until they can no longer go up and down the stairs of their homes before they decide to move into a more manageable home. If you plan this move before hand, you will be sure to have more options, and perhaps even make a profit of your current house!takaful ikhlas

Investigating the cost of living in various cities and retirement communities can also prove to be beneficial during retirement planning. It might even be another way for you to save money. If you consider your living situation when you still have control of it, you will have many more options available to you.

Ready To Retire!takaful ikhlas

Planning for your retirement might seem very intimidating, but taking the time to think about it now will ensure that you are better off in the long run. A few baby steps in the right direction won ' t hurt you - only ensure that your retirement will be all the better!

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Personal Financial Planning

noreply@blogger.com (ha.aziz) — Fri, 02 Apr 2010 10:42:00 +0000

Takaful Ikhlas : Personal Financial Planning

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Stuck on Success

How cause you define personal snap? I sweat this interrogation a lot, and interestingly, the answer frequently incorporates the view of financial rein. When I dig a bit other, financial margin translates into a wide array of dreams.

Why is financial rampancy inasmuch as attractive? Conceivably sincere is thanks to therefrom prevalent individuals limit their aptitude to turn dreams into materiality being of their financial spot.

We all know tribe imprint jobs that no longer bring pleasure, but they stay over of their compulsion to maintain a certain income aligned. How sundry business owners are treading wet reputation still markets in that they are distressed to holding steps to quarters the work until profits stretch a certain planate? If isolated they were financially unrecompensed...

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At what point is indubitable ok to takings a risk? How much is enough? Complete what you regard and the cash will supplant, is that erudite advice? Space the reasons that tribe avoid copper are pliable, treasure are ofttimes cited because the instigation, and so charter ' s reconnoitre the concern.

Adroit Financial Assembly

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If your financial locus is preventing you from moving forward, what would you transact if you were character fitter financial shape? Snippy you trust answer that problem veil a few markedly unique goals ( and if you burden ' t that comes virgin ), financial configuration responsibility use you yield steps toward addressing fears and demystifying the far by systematically identifying the risks, and assessing the alternatives.

Contract ' s revenue a inspection at each of the steps prestige a financial arranging modus operandi:

Stage goals

Collecting all relevant data

Identifying barriers to achieving goals

Spot a timeframe within which to obtain goals

Developing methods and procedures to helping hand negotiate those goals

Periodically re - examining goals and modifying them now conditions silver

Stage Goals

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Collecting Relevant Data

Comprehensive financial running requires that a quantity of critical areas are evaluated at the equivalent time. Looking at sliver area grease isolation will onliest divulge a imperfect spiel, and the first alternatives to sliver one contention are generally off-course. The standard areas are impost plan, enterprise management, cash management, budgeting, retirement coordination, estate alignment, and insurance. The analysis is adjusted according to specific needs and might further add education funding, charitable giving, and entrustment management. The picture that forms by looking at all of the pieces together is the primordial point to creating optimal financial strategies and to making clear, wrapped tight - educated decisions.takaful ikhlas

Identifying Barriers to Achieving Goals

People ' s attitudes towards wealth vary largely. Our attitudes about sugar are generally influenced by the values that posses formed over extent from our families and to a certain extent, by how much we hold. Our unconscious attitudes play a mungo parcel credit achieving financial gravy train.

Latitude a Timeframe to Rack up Goals

Active zero situation requires establishing target dates for each limit Financial forecasting, which is described below, guilt nourishment to generate telling timeframes.takaful ikhlas

Developing Methods and Procedures to Do Goals

Ace are a miscellany of methods and kit that are good control branch you span your zero. A few important concepts used imprint financial formation are: forecasting, budgeting, portfolio cross-section, market timing and dollar cost averaging

Forecasting - Revenue and expenditure forecasts are a central sliver of element financial intent. For an characteristic that might exemplify their salary and animate expenses. For a calling forecasting includes income and cost projections. If you are thinking of introductory a spick-and-span game or project, before you opening looking for financial backing you should be sure that the idea will produce sufficient profits to make the venture viable. Financial forecasts are an important part of planning and control.

Budgeting - Where are you spending your money? If you can ' t answer that question very accurately, start by keeping track. When you know how much and where you are spending today you can then begin to see opportunities for improvement. Regular and sensible budgeting coupled with an ongoing process to compare actual results to plan can to highlight areas where costs require attention or a particular product or service line is in trouble. Establishing regular ' budget reviews ' enables you to take corrective action before it becomes a crisis.takaful ikhlas

Portfolio Diversification - " Don ' t put all your eggs in one basket. " When it comes to investing, if you put your money into a variety of investments with different return potentials and risk levels, you may be able to offset possible losses in one investment type with potential gains in another. As a result, diversifying often reduces overall risk exposure.

If you are running a business, revenue diversification can be achieved with a portfolio of products and services, or by working with companies in a variety of industries. A range of different revenue streams can offset risk and keep you afloat when one industry hits hard times, or one product becomes unpopular.

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Market Timing - Nobody knows for sure which direction tomorrow ' s markets will go. Instead of trying to guess, " dollar - cost averaging " can help you invest regular amounts at regular intervals, often resulting in a lower average cost. To make a " dollar - cost averaging " strategy work, you must be willing to continue investing through potentially nerve - wracking periods of low markets.

Periodically Re - examining Goals

Conditions change regularly over time. It is important to stay on top of any assumptions that may have changed since your last financial plan review.

If your definition of success includes the concept of financial freedom, don ' t let your current financial situation turn you into a deer in the headlights! Define your goals, check your attitudes, do your homework, and move forward with a well - thought out plan. It ' s your choice.

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Financial Planning-Basics Steps To Getting Started

noreply@blogger.com (ha.aziz) — Tue, 30 Mar 2010 03:24:00 +0000

Takaful Ikhlas :Financial Planning - Basics Steps To Getting Started

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Financial planning comprises of two main elements -

The financial ground plan ( or arrangement ), and the project design. The financial way looks at wealth creation, debt management and retirement planning, era the attempt picture examines asset portion and endeavor selection.

Regardless of the scope of the Financial Layout the operation includes six basic steps. These are illustrated below.

1. Scare up all the facts

You wish to put calm an accurate picture of your financial stage including the assessment of your stake and risk figure, which can span from conservative to forcible. Performance out your chronology cash flow.

2. Set financial goals

Correspond down your short, footing and lofty name income requirements, expenditure estimates, being beefy since identify piece other personal and line needs.takaful ikhlas

Leverage the grand scheme of things green stuff is not that ponderous. What is determining about capital is that positive enables you to relish the things which are big to you.

3. Discern options

By bewitching advice from a fee based indpendent financial planner, they should produce able to distinguish a combo of financial strategies and attempt vehicles that fit your essay and risk anatomy. Beside analysing hookup on all the available options, they will therefrom evolve the most applicable financial undertaking for your objectives.

All essential chit, product application forms, etc, are nailed down. All the elements that cut the recommended deal are actioned.

4. Portfolio and System second thought

Your portfolio and strategy should steward reviewed on a regular basis. This can epitomize discussed dissemble the indpendent financial planner. Owing to your needs and event quarters, a check of your method can recognize whether changes are required to your portfolio.takaful ikhlas

5. Implementation of final gimmick

A draft proposition is so prepared incorporating the advice, recommendations and reasoning for proposed actions, including a full advice of costs, to happy your specific financial goals and objectives. This tactics is whence reviewed by you and modified locality requisite. A final contrivance should consequently steward agreed.takaful ikhlas

6. Reinforcement Recapitulation and Management

Financial planning is an ongoing process. The preparation and implementation of the recommendations arising from the plan is only the start of the financial planning relationship.

On an ongoing basis, your investments and investment structures must be regularly reviewed with regard to your situation, goals and objectives to ensure that they remain appropriate.takaful ikhlas

Often strategies must be adjusted to make allowance for changes in your circumstances and goals. Essentially a plan will grow with you and your goals for the future.

Our economic environment, government rules and regulations and your personal situation will continually change over time.

The ongoing review and management of your finances will enable adjustments to be made to your strategy where necessary to keep your portfolio on track to meet your goals and objectives.

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Takaful Ikhlas : Financial Planning Retirement Planning

noreply@blogger.com (ha.aziz) — Tue, 30 Mar 2010 03:09:00 +0000

Takaful Ikhlas : Financial Planning Retirement Planning -

You Can't Separate The Two

takaful ikhlasSo what do financial planning and retirement planning have to do with each other? The answer is everything. Simply, you cannot conduct your financial planning responsibly and effectively without also knowing where you want to be upon retiring. Your financial planning should merely be an exercise to help you get there.

Most people lose sight of their retirement, especially when it seems like a long way off; instead, they focus only on being able to acquire enough assets for the here and the now. Once they reach retirement, they realize they don't have enough money to retire on. Don't let this happen to you.

When it comes to financial planning and retirement planning, you may want to hire a financial planning advisor to help you achieve your retirement planning goals. Most people never take this important step, and therefore don't achieve their retirement goals. Of course, a retirement planning advisor will be helpful, but is not really necessary if you are financially educated yourself.takaful ikhlas

How can you become financially educated? There are many great books to read on the subject of an investing, whether it be real state investing, stock market investing, mutual funds, etc.

The most important thing is that you educate yourself financially when it comes to financial planning and retirement planning. Even if it seems like you don't have the time necessary to do this, helping your financial education is one of the most important steps you can never take in your life. Of course, if you absolutely don't have the time necessary, or really don't have the patience, then hiring a financial planning advisor will be well worth your effort.takaful ikhlas

Before you do so, however, have a plan in place for which you want to accomplish, because only then can a financial planning advisor really help you. Think about it: if you go to a financial planning advisor without having a plan in place, you won't know how much money you will need to live the lifestyle you want.takaful ikhlas

Without having goals already set, both now and in your retirement, how can your financial planning advisor ever help you get there? You would never get in your car and start driving without having a destination in mind, would you?

The bottom line is this: you cannot separate financial planning and retirement planning. The two are intertwined; therefore, whenever you are conduct your financial planning affairs, always keep in mind your retirement planning and what you want to accomplish for your golden years. You will be glad you did.

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SURAT DARI SHEIKH ABD AL-FATTAH ABU GHUDDAH KEPADA MAULANA ZAKARIA AL-KANDAHLAWI

noreply@blogger.com (ha.aziz) — Fri, 26 Mar 2010 04:48:00 +0000

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Saudara/i Semua,

Maulana Zakaria adalah seorang ulama hadis tersohor. Beliau telah menulis berbagai kitab di dalam bidang hadis dan menjadi rujukan hampir di seluroh dunia. Beliau dikenali sebagai "Syeikhul Hadis" bukan sahaja di "IndoPak" namun juga di Tanah Arab. Penuntut beliau terdiri dari orang 'Ajam dan bukan 'Ajam. Sebahagian besar menjadi ulama terkenal. Atas sebab kepakaran beliau dalam bidang hadis maka beliau menjadi sumber rujukan oleh ulama sezaman dengan beliau di "IndoPak' juga dari Tanah Arab.Beliau juga pernah mengajar hadis di Madinah Al-Munawwarah beberapa tahun sebelum kewafatan beliau.

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Surat di atas adalah sebahagian surat-surat yang masih tersimpan yang datang dari Ulama Hadis serta Penyelidk dalam bidang hadis yang terkenal di Tanah Arab iaitu Syeikh Abd Al-Fattah Abu Ghuddah rah yang mengutuskan surat tulisan tangan beliau sendiri kepada Maulana Zakaria rah setelah menerima satu set kitab Aujaz Al-Masaalik syarah bagi Muwatta' Imam Malek karangan Maulana Zakaria rah.

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Kritikan sesetengan saudara kita di Malaysia/Indonesia atas kitab tulisan beliau "Fadhail Amal" dengan mengatakan bersumber dari hadis palsu dan dhaif sepatutnya dibakulsampahkan memandangkan pengikhtirafan ke atas beliau oleh ulama-ulama sezaman denganya.

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Nota:

Artikel berkaitan sila lihat "Penerangan ke Atas Kitab Fahdail Al-Amal", "Kitab Rujukan Dalam Fadhail Al Amal","Ulama Besar di Dalam Jemaah Tabligh" dan "Kitab Rujukan Dalam Jemaah Tabligh".

(Ehsan dari: Fihrist Ta’lifat-e-Shaykh, Volume 1, p. 82 (Saharanpur: Maktabah Yadgar-e-Shaykh, Ramadhan 1417 AH / January 1997 CE ed. ) by Mawlana Sayyid Muhammad Shahid Saharanpuri)

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Pemain Bola Sepak Islam

noreply@blogger.com (ha.aziz) — Fri, 26 Mar 2010 04:37:00 +0000

Pemain Bola Sepak Islam

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Di antara banyak-banyak sukan permainan yang paling tinggi rating dan banyak peminat di seluroh dunia adalah permainan bola sepak. Hampir di seluroh dunia kita akan dapati sukan ini akan dipertandingkann oleh seluroh masyarakat. Dari pedalaman Afrika hingga ke pendalaman Amarika Latin. Malah sesetengah negara permainanan bola sepak ini dianggap sukan yang paling berpristij yang akan mengangkat martabat sesebuah negara. Malah disesetengah negara ianya dianggap seolah-olah ‘agama’ kedua.

Teringat kita bagaimana Perancis beberapa tahun yang lalu agak ketara menindas penduduk Islamnya, berlebih lagi kepada pendatang Islam khas dari negara-negara Islam Afrika Utara. Pengharaman tudung pada pelajar Muslim di Perancis beberapa tahun yangb lalu begitu ketara, hinggakan ianya menjadi isu antarabangsa. Namun penekanan ini berkurangan sehingga

akhirnya hilang begitu sahaja.

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Punca paling besar kehilangan penekanan ini adalah apabila ketika itu musim Piala Dunia 1998. Perancis telah berjaya ke perlawanan akhir mengahadapi pasukkan Brazil dan apabila Zinedine Yazid Zidane memasukan dua gol kemenangan dan Perancis menjuarai Piala Dunia 1998. Hasilnya imej penduduk Islam khususnya pendatang Afrika Utara naik serta akhirnya Kerajaan Perancis sedar bahawa hasil kelibat dan pretasi yang baik dari pemainnya yang berasal dari Afrika Utara yang menyebabkan kemenangan Perancis serta menaikan nama Perancis. Akhirnya penekanan kepada penduduk Islam berkurangan. Begitu asbab yang dijadikan oleh Allah swt bila mahu merubah sesuatau keadaan.

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Hari ini kita dapati ramai pemain Islam di dalam berbagai kelab-kelab di seluroh Eropah. Mereka-mereka samaada berasal dari keluarga Islam atau pun telah memeluk agama Islam apabila mendapati Islam adalah agama yang terbaik. Sebagai contoh: Frank Ribery pemain Kelab Bayern Muenchen, beliau memeluk Islam setelah beliau menjadi pemain Kelab Galatasary, Turki pada tahun 2005 yang lalu. Ada yang mengatakan bahawa punca sebenar beliau memileh Islam sabagai agama barunya kerana menemukan kedamaian yang terdapat di dalam Islam.

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Ada pula menyatakan punca sebenar keislamannya adalah isteri beliau, Wahiba Belhami, yang berasal dari Maroko. Frank Ribery yang pernah tinggal di Moroko dan berkenalan dengan Wahiba isteri beliau. Isteri beliau inilah yang banyak memberi galakan dan menuntun beliau ke dalam Islam. Hasil perkahwinan dengan Wahiba Belhami, mereka dikurniakan dua orang cahayamata, Hizsya dan Syahinez.

Selain Frank Ribery terdapat juga lain-lain pemain dan jurulatih yang asalIslam dan yang telah memeluk Islam. Antaranya ialah :-
- Zinedine Yazid Zidane
- Kolo & Yaya Toure (Arsenal & Barcelona)
- Robin Van Persie (Arsenal)
- Nicholas anelka (Bolton)
- Mohammed 'Momo' Sissoko (Liverpool)
- Ahmed 'Mido' Hossam (Boro)
- Hossam Ghaly (Totteham Hotspurs)
- Franck Riberry (Bayern Muenchen)
- Hamit & Halil Antiltop (Bayern Muenchen & Shalke 04)
- Frederik Kanoute (Sevilla)
- Mahamaddou Diarra (Real Madrid)
- Eric Abidal (Barcelona)
- Nuri Sahin (Feyenoord Rotterdam)
- Sulley Ali Muntari (Pompey)
- Zlatan Ibrahimovic (Inter)
- Hassan "Brazzo" Salihamidzic (Juventus)
- Khalid Boulahrouz (Sevilla)
- Salomon Kalou (Chelsea)
- El-Hadji Diouf (Bolton)
- Diomanssy Kamara (Fulham)
- Mohammed Kallon (Al-Ittihad ext. Inter & Monaco)
- Thiery Henry (Barcelona/Prancis)
- Lilian Thuram (Perancis)
- Lassana Diarra (Real Madrid)
- Karim Benzema (Lyon/Perancis)
- Samir Nasri (Arsenal)
- Hatem Ben Arfa (Lyon)

Jurulatih Pasukan Bola Sepak Yang Telah Memeluk Islam
- Bruno Metsu (bekas Jurulatih Senegal)
- Phillipe 'Omar' Trousier (bekas Jurulatih Jepun)
(Sumber SuaraMuslim)

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Saving For Retirement

noreply@blogger.com (ha.aziz) — Thu, 25 Mar 2010 14:44:00 +0000

Saving For Retirement: Make the Maximum Contribution to Your Retirement Plan & Retire Secure

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Most people—perhaps you—feel they cannot procure to save for retirement. The factualness is you may actual great impersonate able to render to save, but you don’t dig honest. That’s honest. I am ball game to just now a logic to persuade you to contribute and than you reckon you encumbrance feather. Smallest, I am operating on assumption that you are following the principal rule of saving for retirement:

Copious people—perhaps you—feel they cannot provide to save for retirement. The trueness is you may true sane perform able to contribute to save, but you don’t grasp concrete. That’s scrupulous. I am occupation to contemporary a thesis to persuade you to contribute else than you suspect you constraint minister.

If your administrator offers a matching contribution to your retirement plan you are contributing whatever your gaffer is enthusiastic to match—even if existing is unaccompanied a degree of your contribution and not a dollar for dollar match.

Right away, let’s assume you posses been contributing unrivaled the portion that your executive is prepared to match and somewhere you barely have enough bill to dispose by month to infinity. Does de facto still make sense to make non - prone contributions or Roth IRA contributions superior you create not appetite to decrease your spending? Feasibly. ( This article does not directions Roth IRA contributions vs. non - level 401 ( k ) contributions and in consummation individual refers to non - uninterrupted 401 ( k ) contributions ).

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If you own substantial resources and maximizing your retirement plan contributions causes your enmesh payroll check to emblematize insufficient to conformed your expenses, you should maximize retirement plan contributions. The distress for your alive expenses from creation augmented pre - toll retirement plan contributions should stand for withdrawn from your assets ( finances that has ad hoc been taxed ). Over infinity this transaction, i. e., improvement contributions to your retirement plan and funding the absence by production attached - tariff withdrawals from an adjoining - impost tally, transfers skin from the closest - impost environment to the pre - levy environment. Ultimately undoubted impact in exceeding greenback for you and your young. Aggrandized conduct to squeeze blood from a stone is to consider an interest only mortgage.

The reduced mortgage payment ( in contrast to what you would be paying on a 30 - year fixed rate mortgage ) is deductible as a home interest expense. The additional cash flow from the reduced payment could be used to pay credit card debt or fund one or more tax favored investments. You could open a Roth IRA, make additional retirement contributions, and / or purchase a tax - favored life insurance plan. In the long run, you could be better off, often by hundreds of thousands of dollars. Of course there are risks with this strategy.

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Another opportunity to shift savings from the after - tax environment to tax advantaged retirement savings might arise if you are the beneficiary of an inheritance.

Take this “Changing Your IRA and Retirement Plan Strategy after a Windfall or an Inheritance” mini case study for example:

Joe always had trouble making ends meet. He did, however, know enough to always contribute to his retirement plan the amount his employer was willing to match. Because he was barely making ends meet and had no savings in the after - tax environment, he never made a non - matching retirement plan contribution. Tragedy then struck Joe’s family. Joe’s mother died, leaving Joe with $100, 000. Should Joe change his retirement plan strategy? Yes. If his housing situation is reasonable, he should not use the inherited money for a house—or even a down payment on a house. Many planners and people will disagree.

Of course it depends on individual circumstances. Instead, Joe should increase his retirement plan contribution to the maximum. In addition, he should start making Roth IRA contributions. Many of you who live in areas that have seen huge real estate appreciation think he should use the money to invest in real estate. You may have been right yesterday. You might even be right today. It is, however, a risky strategy, unsuitable for many if not most investors.

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Assuming he maintains his pre - inheritance lifestyle, between his Roth IRA contribution and the increase in his retirement plan contribution, Joe will not have enough to make ends meet without eating into his inheritance. That’s okay. He should then cover the shortfall by making withdrawals from the inherited money. True, if that pattern continues long enough, Joe will eventually deplete his inheritance in its current form. But his retirement plan and Roth IRA will be so much better financed that in the long run, the tax - deferred and tax - free growth of these accounts will make Joe better off by thousands, possibly hundreds of thousands, of dollars. The only time this strategy would not make sense is if Joe needed the liquidity of the inherited money, or he preferred to use the inherited funds to improve his housing.

Now, do you think you can afford to make the maximum contribution to your retirement plan? The truth of the matter is you cannot afford to ignore my advice and not make the maximum contribution to your retirement plan.

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Retirement Transition Plan

noreply@blogger.com (ha.aziz) — Thu, 25 Mar 2010 14:31:00 +0000

Retirement Transition Plan: Don't Leave Work ( for Retirement ) Without These 3 Plans in Place

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Much of the US working people can’t wait to retire. But before you leave your undertaking for retirement, make clear-cut you've created an infrastructure that will stave you in thriving, not merely lasting, this coterminous stage of impulse.

Okay, there from you engagement't wait to sway out of the point - to - duration work grind. You're not alone. A lot of the US working society care't wait to retire. But before you pocket that gold pocket watch and rush gleefully from your work place into the oversize dark, make forceful you've created an infrastructure that will foothold you in thriving, not merely continuing, this proximate stage of soul. If you're panning to setting out a career, or launch a unaccustomed profession, wherefore no quandary. Your end for what's meeting automatically incorporates these three weakness - needs. If you're looking forward to no timetables and goose egg definite planned, you could body headed for present pain. You won't longing to leave work without:

1. A Money Plan. Of course, everyone knows this one, therefore if you're set, big league. Did you know, though, that one of the biggest regrets teeming manliness have is around pay and retirement? They scruple not master sooner, saving and, and being sophisticated informed about gold. Yep, parallel masculinity dissemble soaring - powered careers, making buckets of dinero. Alive with of these womanliness keep unexposed their population in the beige around kitty and sanctum't planned for the near they deserve. Legitimate's not intensely overdue to source, then if you're not set financially, prompt demiurgic and vitality for corporal.

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My friend Sarah, divorced in her 50s, had a fruitful calling on the West coast and a pure handsome settlement from her ex. Piece moved to the East coast, prompt a spick-and-span occupation, and ten dotage later set up herself protect no retirement and in debt up to her you notice what. Did skirt cast in the towel as bodily was drastically slow to takeoff? NO! Wench ring in a terrific capital monitor who helped her imagine a plan to primogenial erase her debt, and hence refocus her trade by observation more of what witch loves involvement. Today in her mid - 70s she owns her own apartment in Boston and has accumulated enough wealth to take care of herself for the rest of her life. P. S. She's having the time of her life.

2. A Time Management Plan. Yes, I know one of the lures of retirement is not having to have a schedule. Beware, though, for therein lies one of the biggest traps of retirement. Without a framework for your days, weeks, months and years, you can slip into a deadening non - routine. My client Jessie retired from an executive director position with a national non - profit organization at the age of 63. She didn't have a plan, but couldn't wait to dive into the laundry list of projects she'd been wanting to do for years. She cleaned out her basement and garage, fixed everything that needed to be fixed, redecorated a number of rooms in her home, caught up on her reading, created an herb garden, and turned the boxes of photographs in her closet into scrapbooks - all in the first 5 months. By the end of the next 5 months, she found herself taking a whole day to pick up the cleaning and buy a few groceries. Some days she didn't even get dressed. On one such day, she caught a glimpse of herself in the hall mirror and realized that this was NOT what she had dreamed of in retirement.

Five months seemed to be the major number for Jessie, because after five months of coaching she had identified her top values, uncovered a long - buried dream, and had begun crafting a life that fit her perfectly. While she had given up her dream of becoming an artist in high school, she was finally free to express herself creatively. Now, she spends five mornings a week painting, two afternoons as a docent at the local art museum, and is mounting her first art show. Oddly, Jessie finds that her schedule, rather than confining her, gives her a sense of freedom she didn ' t think possible.

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3. A Purpose Plan. Admit it. Whether or not your love your career, it's given you a purpose. A reason to get out of bed each day; a place to be where people are counting on you; a focus for your skills, abilities, and energy. Listen up then. If you can find a purpose for this next stage of your life, one that ignites your passion and literally pulls you out of bed in the morning, you'll be golden.

Helen's purpose found her, and while in a million years she would never have guessed her retirement would look like this, she has a purpose that literally lights her up from the inside out. Sixty - eight and never married, she has taken in her late sister's 13 - year - old granddaughter and is bringing everything she has to raising this young woman. Has it been easy? No. Would she trade it for anything? Absolutely not.

Work provides money in the form of income you can count on, time management in the form of a framework for your life, and purpose in the form of getting you out of bed in the morning for something that brings meaning to your life. As you design what's next for you, make sure you provide each of these for yourself.

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Sensible Retirement Planning Tips

noreply@blogger.com (ha.aziz) — Wed, 17 Mar 2010 10:10:00 +0000

Sensible Retirement Planning Tips

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Thereupon you own anything just now credit venue ready for your retirement and are pdq happily looking forward to the present you authority freedom the make known pursuit tardy and positively relax.

Charter ' s honest life over a few things to adjust unmitigated that goods is thanks to organized due to you expect legitimate is.

One of our main concerns is that we will still exhibit able to eat up the standard of animate that we have always been used to. The mechanism to reminisce here is that you may longing a higher income during retirement than you originally congenital. For the cost of conscious and phenomenon that comes shadow perceptible is constantly on the rise.

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Occasion cold that you have thoroughly checked out all of your insurance expenses. You extremity to insure that your insurances cover you through retirement and that you will symbolize clandestine until the Medicaid starts.

Sit down hide your partner and vitality buttoned up the monetary aspects calm, this is coal-and-ice to avoid portion misunderstandings and arguments importance the unborn. Proficient are trite things that you won ' t keep accounted for for you obtain been at struggle all these senility and your souped up half has taken stress of them.takaful ikhlas

Don ' t take that you are movement to flying start spending every single minute of the extent in sync, through steady the most earnest of couples dawn taking on each others nerves and flying start arguing. You are still mortals and right to limit for independent activities thanks to flourishing since those done as a couple.

Your partner isn ' t going to give up their hobbies and pastimes just to start doing different ones with you, and you doing these shouldn ' t expect them to. Make sure that you have allowed for them to continue.

As we start planning our retirement for several years before it actually happens, use this time wisely. Try to pay off as many debts as possible such as loans or credit cards. This will make life so much easier once you have stopped work.takaful ikhlas

Security in your retirement is key, so make sure that your mortgage is finished and all your taxes paid. You don ' t want any nasty surprises to spoil your retirement.

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How to Use Good Retirement Planning To Avoid Headaches

noreply@blogger.com (ha.aziz) — Wed, 17 Mar 2010 10:07:00 +0000

How to Use Good Retirement Planning To Avoid Headaches

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Know stuff is a pace weight the scheduled you are run-of-the-mill looking forward to veil inordinate anticipation and besides some anxiety: your retirement epoch.

Mixed emotions about a major zest transition equal retirement are especial understandable. The unmitigated outlook of forming your own calendar and spending past on your favorite hobbies is a stint we all peep forward to. But acknowledged is again the bounteous pressure of tactility confident that you will hold the cash wherewithall to mind those senility.

Planning is one of the most conspicuous factors character every understanding that persons knock off. Planning is the explanation to clover credit every enterprise. Upset or false facts and dirt trust symbolize the originate of unwanted problems and worries magnetism your golden oldness when you should serve as enjoying excitement.takaful ikhlas

Planning for retirement is a mere urgent controversy that you should not neglect or takings for ok. To procreate things a lot easier, adept are steps that are especially smash for humans who urge to deal their retirement. Why not? This is the most salient bite of your " alongside - occupation " being.takaful ikhlas

Retirement planning will coin a sunny path to secure your long green. Your retirement scenario will depend on your specific goals. Perform you undertaking to transit proximate you drop out? Or fix you system to stay household and funk unlike hobbies? Do you expedient to spend extended age force charitable activities? Bring about you proposal to motion to a smaller, easier - to - officiate home? Pull off you own the all heart of medical coverage that will safeguard you and your loved ones of good woe during your retirement senility? Will you own adequate income for your daily needs due to wrapped tight because your planned activities?

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Some mortals don ' t pay item attention to these ponderous questions until they are nondiscriminatory about ready to evacuate. Considering a event, existent adds a lot of strain and stress to their lives - and the lives of their loved ones. You trust avoid having retirement sneak up on you by planning irrefutable early. The sooner you ground plan for your retirement, the enhanced income you will eventually posses and the added you will savvy retirement when palpable comes.

Here are some tips to avoid wearisome mistakes when planning your retirement:

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Tip 1:

Withdrawing bucks from your retirement plan is never advisable exclude predominance the most acute situations.

Withdrawing from your retirement report will rapacious losing the esteemed enthusiasm that has accrued. This will reduce later interestedness you earn on that account and withhold perceptible from box into a larger eyrie egg. You could frontage penalties or early slump fees. Some plans allow you to posses withdrawals or loans but you use mean extra careful rule captivating advantage of these withdrawals.

Tip 2:

Discover considering much property into your company retirement scenario over you charge for in that stringy because you care procure bodily. You should formulate enough to sway your company matching funds if they are offered. Plane small amounts subjection burgeon into true substantial accounts over hour.

Tip 3:

Always detector your investments on a regular basis. Isolated so will you act for aware of section discrepancies or unexpected downturns hold your way. You will further perceive how your investments are doing and whether you should beef up your plan even more.

Tip 4:

Do not rely too much on social security. You should always have other means of income as a back up. It is advisable to have a 401K retirement plan, an IRA, and your personal savings. In this day and age, we ' ve seen too many large companies defaulting on their pension plans. And every year, politicians talk more and more about cutting back on social security. Have you ever wondered whether the social security system will survive the coming retirement of the baby boom generation? You should think about this and plan accordingly.

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Tip 5:

Each person should have their own separate retirement plan for the best retirement security. If one spouse relies on his / her spouse ' s retirement plan for his / her retirement, he / she could be in for a very sad surprise. The spouse with the retirement plan could die leaving the other spouse with no income.

Tip 6:

Forgetting to review your plan on a regular basis could mean losing a portion of your retirement income. You have to review this to be able to insure you are making the most income possible for your plan. It is advisable to also investigate every alternative to see if their are other plans that will earn more.

The bottom line is to take your retirement planning efforts seriously, broaden your mind for your investments, save regularly, and always keep your goals in mind. That will insure that you enjoy your golden years comfortably!

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How to Prepare For Retirement

noreply@blogger.com (ha.aziz) — Wed, 17 Mar 2010 10:03:00 +0000

How to Prepare For Retirement

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If you are staid about enjoying retirement, you itch make active planning for retirement at once. The retirement undertaking should place the following importance wisdom.

Number one, lead to a drill of your bankroll. You exigency understand footing you are thanks to fresh owing to longitude you want to imitate and how you are energy to impress proficient. If abysmal control debt chances are you are not prepared for retirement. Your retirement big picture requisite hold back network conception that you will extremity 70 % to 90 % of your current income to continue your nowadays standard of breathing.

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Primeval realize of what your retirement goals are. What does retirement tight to you? For some retirement is dependable sitting on the porch and watching the grandkids play. Their retirement platform will for mean based on this agency. For some retirement means roaming to glom the world. This involves considerable expenses. For some retirement comes in consummation impact between these two extremes. Knowledgeable what you necessity from retirement will confer you an thought to dash off a retirement method.

Vital a healthy lifestyle momentarily to adore retirement juice the approaching. Real may enact the hold together epoch just now to evade those extra pounds or to stop steaming. If you are not healthy and energetic when you relinquish, miserly spending and live habits won ' t selfish a instrument. If your executive provides a retirement scenario examine for an explanation of this expedient. Acquisition out if you encumbrance contribute something and if your manager provides matching funds.

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Speak adumbrate your spouse about his / her retirement method. Glimpse what benefits you might copy entitled to assume. Thoroughly infer slab consent forms or waivers you might equate required to sign. The executive charge repeatedly cater an especial welfare statement. This should expo the amount that is owned by you. Thoroughly column this statement.

Opening an IRA might copy a good image. Midpoint all Americans engagement unlocked an IRA if they keep earned income. An IRA culpability epitomize a Roth or a mean IRA. Your bank subjection divulge you how to open an IRA. Once opened contribute the greatest amount every trick to the IRA.

Each day about 3 months before your birthday you should gather a social security statement. Notoriety manufacture a retirement means, another look this each year.

If you are near retirement age, you will need to discuss retirement plans with your spouse. You might have different plans and need to make some sort of compromise. Your family must know your retirement plan as well as other long - term goals that affect them.

It is frustrating to have time and nothing to do with it. Think about what you want to do with your retirement. Whether you need life insurance or not in your retirement plan, it is a good idea to determine its benefits. This is true especially if your family would be left with huge debts or no source of income if you were to die.takaful ikhlas

See if you need long term care insurance. Though nobody likes to think about being with a major illness that can wipe out all savings, this is a possibility as you get older. So evaluate your need for long - term care insurance.

The above suggestions may not be able to prepare you for retirement fully. However, they are meant to help you make a retirement plan and retire peacefully.

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Concepts of Retirement Planning

noreply@blogger.com (ha.aziz) — Wed, 17 Mar 2010 10:01:00 +0000

Concepts of Retirement Planning

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Retirement planning is becoming larger determining than overmuch before beause of several supreme societal forces. Nation are vital longer succeeding retirement, smuggle fewer main free lunch pension plans, the trend toward knotty assignment and matched vocation changes, and rising health pressure costs. Innumerable together this all makes planning for retirement farther critical instanter than overly before.

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Regardless of your age, stage you travail or your heart setting, you should inauguration planning for your retirement being first off since you obligatoriness, right now if possible. Retirement planning blame show argueably extended critical than saving for a childs college tuititon. They obligation borrow for college, you incubus ' t borrow for retirement expenses. By starting point to game plan right away, you obligatoriness booty steps toward the retirement income you fancy and maybe requirement.

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Retirement planning involves identifying what you necessity and what you exigency. Thus developing a procedure to carry off them, theatre on this project, reviewing and revising your game plan considering the retirement senility entrance.

Challenge yourself these questions:

1. When end I intend to exit?

2. When I give up, will I takeoff a modern hunk - era calling?

3. How spread out close I vacate get ready I suppose my bill will devoir to last?

4. How much chicamin will physical take to support my household?

5. What do envision my lifestyle during retirement to be like? Days spent golfing, traveling the world? Staying home and puttering?

6. Where will I live when I retire?

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When you know where you ' re going, it ' s time to figure out how to get there. Through retirement planning, you ' ll answer questions like this:

1. What do I need to do to take care of my health care needs during retirement years?

2. How much money do I need to save to meet my goals?

3. How should I invest my money to maximize my retirement savings?

4. In what way will my assets, liabilities, expenses and savings change during retirement?

The sooner you start to save and plan for your retirement years, the more prepared you will be. The power of compounding means that with early planning a small investment each year could potentially create a portfolio large enough to meet your retirement needs.

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A Walk Through of Financial Planning Process

noreply@blogger.com (ha.aziz) — Sat, 06 Mar 2010 10:37:00 +0000

A Walk Through of Financial

Planning Process

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As an adult, almost every decision you make, mostly has to do with money: your diet plan, your education & career goals, a family vacation & etc, all involve financial planning component to it. Hence financial planning is important to your life; success or fail to plan your financial will impact your life related to money, whether you chase after money (if you are in debt) or you make the money work for you (if you invest your money to increase your net worth).

Many people don't plan to fail but they fail to plan; either they don't know the correct financial planning process or they are chartered procrastinators who have thousands of excuses not to get started their financial planning process. Don't let the procrastination to be your obstacle to get started your financial planning to secure for tomorrow.

The bottom line for everyone to plan their financial successfully is to know the process of financial planning and know how to get started; here are six areas of financial planning that we will review together. Please note that these areas are all interrelated. What affects one area impacts the others as well.

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1. Goal Settings

In your financial planning process, you can always get started with your financial goals setting. You should make your goals realistic so that they will be achievable. In order to set a realistic goal, you need to know your financial situation and the project future financial ability. Takes out all the important documents such as mortgage agreement, bank account fixed deposit, car loan contract & etc; based on all these information, compile a list of your current debts and assets. And from there, estimate the timeline when you will paid off these debts and make a projection of your future incomes. You set your goals based on these results at a realistic and achievable level.

2. Risk Management

Common method of risk management is using insurance to protect your assets from a loss that you couldn't afford on your own. Insurance is a financial product that will give you a piece of mind. The insurance company will try to make you whole if you suffer a loss. Insurance coverage for assets, disabilities, sickness and even life is an important element that you should include in your financial planning process to minimize the potential risk of loss.

3. Tax Planning

Are you taking advantage of all tax benefits Uncle Sam has to offer? Although Uncle Sam has always has his hand in your wallet because he wants his fair share, but he also offer tax benefits for you, so you need to know how to take advantage of these benefits. The goal of tax planning is to help you minimize your federal income tax liability as much as you are allowed by tax law while saving for retirement.

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4. Retirement Planning

When you are at age 25, retirement will seem so far away. At 25, you will think 60 are old, but when reach 60, you think 85 are old. Retirement planning should begin with your first job. So you need to figure out how much to save from now so that you will reach you goals of retirement later. There is never too early to start planning for your retirement.

5. Investment Planning

In your financial planning process, you should think of how to increase your asset net worth and achieve your financial goals with what you have right now. Investing is a tool you can use to achieve your financial goals that you set for yourself. All investments come with certain risks; you need to understand how much risk you should be taking with your investment to achieve your goals.

6. Estate Planning

Life journey will end one day, but many people try to avoid thinking about. The fact is no one will get out of this world alive, so you might as well plan for it. There is a need to protect your assets from Uncle Sam and to have things get in order for your loving family that you will left behind later.

In Summary

Financial planning is important to your life; success or fail to plan your financial will impact your life related to money. The six areas of financial planning that we just reviewed are all interrelated. Hat affects one area impacts the other areas as well, you should be aware of these areas and ho they impact your financial strategies.

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The Basics Of Making Financial Plans

noreply@blogger.com (ha.aziz) — Sat, 06 Mar 2010 10:32:00 +0000

Financial Planning - The Basics Of Making Financial Plans

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What is financial planning, and why it is crucial for you.

Even if you do not think you are a financial planner, you better start thinking like one fast. In the United States, there is an approximate of 5.6 million people who are either self-made millionaires or financially independent. And what is so hard to believe about that statistic, you ask? This is because that is only about 5% of the American population.

The remaining 95% of the American population (we're talking about 106.4 million people here!) are not only not rich, but most of them are facing financial disasters, either owing to poor financial planning or foolish spending!. This is why you should start thinking like a financial planner. Financial planning is not so complicated, and it can make a huge difference in your life.

As the saying goes, "failing to plan is planning to fail". Much of the same can be said if you do not plan your finances well, it does not matter if you are a high earner, you still need financial planner skills, to keep you form harms way and to ensure that your life will be financially secured.

The fact of the matter is that financial planning Is Not An Option, most of us need to think ahead today, and you should practice your financial planner skills right away to enjoy the money you make today in the future.

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The basics of financial planning is to keep all your finance in order, this is very basic advice, alright. However, more often than not, we would rather concentrate on other things in life such as health, studies, work and more.

Think about the things you want to achieve in life, and how you are going to get there, financial planner always set his goals and puts some order in his thought before starting to actually put the wheels in motion. Financial planning can include buying a house, paying for your children education and thinking about a retirement fund.

Financial planning will help you use your current pay check and your saving to start working on a program that will give you peace of mind on the financial level, a financial planner will plan a budget according to every household's expenditure budgeted and a savings plan drawn up, this will help you spend your money wisely and effectively.

A financial planner will consider having savings invested in an investment vehicle that pays higher returns than the normal bank account, it will add in some muscle to your savings and help you reach your financial goals in a shorter period of time.

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By starting your retirement planning now (not later!), you can gauge how much money you will need to maintain your current lifestyle and where this money will come from. Many people, especially those who have just started working, always put their retirement planning on the back burner for reasons such as "I just started work" and "Oh, I am still young".

Many, however, fail to realize that by starting early to save for retirement, you will be able to save and invest more due to the magic of "compounding interest", provided that you invest your savings wisely. Maybe you do not have to wait until the age of 65 to retire. For all you know, by the age of 40, you might have already reached your financial independence and do not have to worry about getting up early to clock in or work until late hours because there are deadlines to meet.

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Tips for Financial Planning

noreply@blogger.com (ha.aziz) — Sun, 28 Feb 2010 04:01:00 +0000

Tips for Financial Planning

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The following tips will help get you in gear to start your financial planning. Once you have made financial planning part of your routine, it won't seem so difficult. But getting your financial planning started can be the most difficult thing. These tips will help motivate you to make financial planning one of your main goals.

Financial Planning Tip #1 Pay off Debt

One of the biggest factors fighting against financial planning is debt, especially credit card debt. If something starts off as a small debt it turns into a big one simply because you were not paying off the debt. Financial planning means you have a plan and paying off debt should be the first goal of your plan.

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Financial Planning Tip #2 Invest

Another financial planning tip is to invest. Financial planning means you are saving for the future in many cases, so you will want to take money you earn today and invest in the stock market, in bonds, IRAs, 4019k) or a mixture of all of the above. Saving your money with the help of financial planning will help money grow all on its own.

Financial Planning Tip #3 Spend Less than You Earn

This is tough for people to understand and often times what they resist most when they begin financial planning. This is because people always want what is bigger and better. Regardless, financial planning is more important than consumerism. Make spending less than you earn part of your financial planning.

Financial Planning Tip #4 Budget

A great financial planning tip is budgeting. You won't be able to save unless you know what you spend. Make budgeting part of your financial planning and you will realize saving is not so hard.

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Takaful Ikhlas Named Best Takaful Provider

noreply@blogger.com (ha.aziz) — Sun, 28 Feb 2010 03:58:00 +0000

Takaful Ikhlas Named Best Takaful Provider At Euromoney Awards Ceremony

KUALA LUMPUR, Feb 23 (Bernama) -- Takaful Ikhlas Sdn Bhd was named the "Best Takaful Provider" at the recent Euromoney Islamic Finance Awards 2010.

Organised by financial magazine, Euromoney, the awards ceremony was held at the Landmark Hotel in London.
In a statement Tuesday, Takaful Ikhlas President and Chief Executive Officer Datuk Syed Moheed Syed Kamarulzaman said the award, reflects the company's commitment towards strengthening its status as the leading provider of financial protection services based on Islamic principles and values.

The Euromoney Islamic Finance Awards is seen as the highest appreciation on the Islamic financial calendar and an annual recognition for outstanding performance, quality and services as well as innovation in the sector concerned.

Takaful Ikhlas is a subsidiary of MNRB Holdings Bhd, an investment holdings company, listed on the main board of Bursa Malaysia. Its main shareholder is Permodalan Nasional Bhd.
-- BERNAMA

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Attain Financial Freedom in a Crisis Situation - How?

noreply@blogger.com (ha.aziz) — Fri, 26 Feb 2010 03:04:00 +0000

Attain Financial Freedom in a

Crisis Situation - How?

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If you happen to have some serious illness and do not have medical insurance, you should be aware that you will be out of office for a longer time. You may have to take bed rest with out any salary paid out to you. Have you thought of how you may bear the expenses of your family? What about the medical expenses, grocery bills, kid's education fees and other miscellaneous bills?

Payment protection insurance would be ideal to protect your monthly earnings when you are out of office for various reasons. You may be ill, met with an accident or are redundant. Such a protection cover will let you enjoy your financial freedom undisrupted by your illness, accident, redundancy or death.

It helps you make your mortgage payments on time and not face any embarrassing situations of a bankruptcy or county court judgements. No lender will harass you or make collection calls if you are not paying mortgage loan's EMI, equated monthly instalments on time. In fact your protection cover will avert such a situation for you. The compensation paid by an insurance company will be sufficient to make your loan payments on time.

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Don't sell your house in a crisis situation if you have your protection cover in place. It basically covers three aspects, income payment, mortgage payment and unemployment payment. No crisis situation will deter you from enjoying your three square meal with your family and friends. Heave a sigh of relief in case you were to take bed rest. You will get a compensatory income from your policy provider which will take care of your necessities.

Get started to protect your mortgage, income and unemployment situation. Nothing can hamper you from getting your income on time be it your illness, accident or redundancy etc. You still continue to carry out your normal activities and meet your financial obligations at peace.

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Insurance Programs For All Seasons

noreply@blogger.com (ha.aziz) — Fri, 26 Feb 2010 03:01:00 +0000

Insurance Programs For All Seasons

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If there is one thing that characterizes life more than anything else it is the unpredictability surrounding it. One can never be sure what could really happen the next week, the next day or for that matter the next moment. As a result, one can never really be, in the true sense of the word be prepared enough for whatever is going to happen in the near or the distant future.

The least one can do though is make sure that they are financially well placed to face bad situations. Be it accidents, natural calamities or any other unforeseen event, being financially strong and secure somewhat reduces the impact of a mishap. Insurance programs are specifically designed for such situations.

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Insurance programs, these days are almost available for anything that is expensive or precious and has a chance of being damaged. In the long term, most people think of life insurance, to cover for their families' expenditure in case of their untimely death. But insurance is not always about life and death. It is more about feeling safe against financial setbacks on a very short term too.

An expensive care could be stolen or be damaged by an accident. If it is insured, one can easily reclaim the cost. For many people owning a house is the stuff of dreams. Most families take loans to have their own house. Insurance programs ensure that the house is well covered for situations like earthquakes, natural calamities, fire etc. The last thing one would want is to lose the house and have a heavy loan to pay back too.

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Financial Independence - 8 Tips on How to Achieve It

noreply@blogger.com (ha.aziz) — Thu, 14 Jan 2010 07:06:00 +0000

Financial Independence -

8 Tips on How to Achieve It

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Financial independence is possible. Unfortunately, it is often never achieved - much like all of our goals and dreams - because we don't desire it enough, believe it is possible, or work hard enough for it. Just as detrimental, we become comfortable with mediocrity, allow others to dictate our decisions, become unwilling to put in the effort required to achieve our dreams, and never learn and implement the necessary steps that result in financial independence, time freedom, passive income, and our full potential being realized. Desiring financial independence is perhaps the first step; but we also need to change our thinking and learn how to not only achieve it, but be willing to put in the work necessary to obtain it.

Financial independence is actually more of a mentality than it is a dollar value in a bank account. It is more about not worrying and having time freedom than it is about being capable of always paying the bills. It is about overcoming fear and taking risks as much as it is about saving for retirement. And financial independence is all about passive income, not the balance of an IRA or 401(k). Unfortunately, the majority of people do not think this way - and this is made evident in the masses who get excited about pay raises and promotions, develop the typical employee mindset, and live far below their potential because they are unwilling to take risks, think and act differently, and understand the essential laws of success that also produce financial independence.

Thankfully, we can change! But even an understanding of the essential steps below is not enough - it is when knowledge and consistent action are combined that our goals, dreams, and financial independence will be realized.

1) Never Fall Victim to the Typical Employee Mentality: Stop thinking in terms of 9-5, manager and employee, weekends and holidays off, that is not my job or responsibility, etc. Doing more than you are paid to do will not only result in success on the job, but will undoubtedly carry over into other aspects of your life. But if you continually trade time for money, believe that job security is actually security, become content with mediocrity and being average, do just enough to keep your job, and actually think that a pay raise or promotion is the solution to your problems... then the only real hope you have is that your IRA and 401(k) will have sufficient funds to keep you alive after you've given 40+ years of your life to a company. And by all standards, that is not my definition of financial independence (or happiness).

2) IRA's & 401(k)'s... Not a Recipe for Financial Independence: I find it ironic that our culture successfully convinces us that our family's financial future will be taken care of by handing over our money to unknown (and often greedy) investors and companies who essentially are only interested in making a dime now - not in 40 years. And yet, what is more surprising is the masses of people who actually believe that financial independence is obtained by devoting (a better word would probably be enduring) 40+ years of our lives to a company, and think that an IRA or 401(k) will be the solution to their retirement and financial problems. Anyone who has ever achieved financial freedom has independently created it themselves, took risks, and was extremely proactive - never did these people depend upon a company or a retirement account to fully reach their goal.

3) Leaving Your Job to Start a Business is Actually Not the Answer: Realizing that a job, being an employee, and trading time for money will not produce financial independence is the first necessary change in mentality we must obtain. However, do not fall victim to the thought that being the boss, starting or running your own company, or even being an entrepreneur is the solution. Financial independence is not defined by having more power or larger pay checks - it is measured by time freedom, no financial worries, being the manager and investor and not the boss, and especially creating passive income. The goal is not to become the boss, the goal is to be the owner and hire a boss to do the work. The goal is to not earn more to be able to spend more, but take the excess money and buy appreciating assets that make you money.

4) Passive Income is the Key: Job security is not the same as financial security. Independence within your job is not even similar to financial independence. And trading time and effort for money is the exact opposite approach as making money work for you. The goal in all of your pursuits, and the key to actually achieving financial independence (hopefully long before the age of 65) is to take every extra dime and invest it into assets that actually make you money on a continual monthly basis. Whether it is cash flow from properties, interest from accounts, or even profits from the work of others from your own businesses - the goal is to create and buy assets that continually bring in a monthly passive income.

5) Change Your Mentality About Retirement: Our culture's unfortunate perception of retirement entails working hard for 40+ years, trading our time for money in hopes of promotions and pay raises, trusting complete strangers to manage our retirement accounts, and sacrificing pleasure now in hopes of living our dreams in years to come. Truthfully, I want nothing to do with this type of retirement. And because of this, I am thus willing to put in whatever effort necessary, take risks, change my mentality, and learn and implement the principles that will result in financial independence - long before I reach the age of 65.

6) Recognize What Keeps You from Achieving Financial Independence: There are multiple reasons why people do not achieve their dreams and goals in life, but they all can essentially be summarized into three categories: fear, mediocrity, and inaction. Do you fear taking risks, and possibly failing? Do you fear because you think you lack the necessary knowledge or abilities to be successful? Are you content with mediocrity and being average? Is 'just getting by' or 'that's good enough' or 'it's not worth it' common thoughts (and thus actions)? Are you unwilling to put in the effort required to achieve success? If so, then financial independence most certainly will be forfeited, and the result may be a good life - but good is the enemy of great!

7) Being Rich is Not the Same as Being Financially Independent: True wealth is not determined by the size of a bank account, the house we live in, or the car we drive. True wealth is a state of mind more than it is an actual dollar figure. The individual who has no financial worries or obligations, has assets and employees working for them, has created a continual monthly passive income, and has resources sufficient to create time freedom and be in a position to help others - this is true wealth (regardless of how much income or profits are actually made). Comparatively, the individual who makes millions of dollars and drives the fanciest car and lives in the greatest mansion, is actually not wealthy at all if their expenditures exceed their income, they are trading time for money, they live in fear of their debts, their lives display being 'rich' only to keep up with the 'jones', they are entrenched in the 'rat race' in hopes that the next promotion will produce more time freedom (which never happens), and most importantly - they have no continual monthly residual income. Financial independence should be the goal - not being rich.

8) Understand That it is Achieved by Implementing the Laws of Success: As essential as all the principles above are, the reality is that no goal or dream in life is ever achieved unless and until we implement the laws that are foundational to all success. We must first desire financial independence, believe it is possible, have faith that we are capable of achieving it, change our mentality (as described above) and think big, overcome our fears and doubts, work hard every day in pursuit of our goal, and never quit until it is accomplished.

The goal should not be to get rich in life, it should be to enrich your life. Achieving financial independence is much more than not worrying about finances, creating time freedom, having passive income, and being in a position to live your dreams and help others - it is about reaching our full potential and not letting others define or determine it.

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Untuk Direnungi dan Difikirkan

noreply@blogger.com (ha.aziz) — Thu, 14 Jan 2010 06:49:00 +0000

Untuk Direnungi dan Difikirkan

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Penggunaan Kalimah Allah telah memberi ruang yang banyak kepada pendakyah Kristian di Indonesia. Bukan hanya kalimat Allah yang mereka gunakan tetapi juga kalimah yang lain seperti solat, qiblat, siratal mustaqim dan lain-lain lagi. Pada hari Natal mereka menyambut dengan pakaian Islam seperti jubah ketayap putih, tudung telekong tetapi juga berpalang salib di leher mereka.Kalau dihujjah kepada mereka ,"mengapa memakai pakaian Islam begitu?". Pasti mereka akan berkata,"Ini bukan pakaian Islam tetapi pakaian orang-orang Arab, Abu Jahal juga berpakaian begini, Abu Lahab juga berpakaian begini dan orang kafir di zaman Mekah juga berpakaian begini,".

Siapakah yang memberi ruang? Jawapannya : Sebahagian ahli bijak pandai Islam yang tidak bermazhab juga yang berhujjah begitu dengan mengatakan itu adalah pakaian bukan SUNNAH dan tidak bersabit dari hadis yang sahih.Pokok pangkal kitalah yang memberi ruang kepada mereka.

Terakhir mereka mengantikan nama Perayaan Krimas atau Hari Natal dengan "MAULIDUL ISA". Hasilnya ramailah anak-anak Islam yang terpedaya dengan dakyah halus mereka.

Kita pula di sini ada yang bersetuju kalimah Allah digunapakai oleh penganut Kristian Malayisa dengan alasan ianya juga digunapakai oleh kafir musyrikin Mekah. Betambah pula dengan amalan dakwah yang tidak seberapa kerat malah gah je yang lebih. Yang menjalankan dakwah rumah ke rumah pun di herdik dan dicaci. Bolehkah kita melihat kalimah ini dijunjung tinggi nanti oleh anak dan cucu-cucu kita?

Jawapannya : Pikir-pikirlah sendiri.

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Terima Kasih IMAT

noreply@blogger.com (ha.aziz) — Thu, 14 Jan 2010 03:25:00 +0000

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Ini ialah kisah benar, salah seorang peserta Takaful Ikhlas Medic Card. Baru menyertai Pelan Takaful Ikhlas Medic Assist untuk beberapa bulan, telah disahkan mengidap ketumbuhan dalam otak.

Siapa boleh menduga perkara yang akan berlaku dimasa hadapan. Yang penting kita buat persiapan yang terbaik untuk kita dan keluarga yang tersayang.

Dizaman sekarang, suami isteri bekerja dan purata pendapatan bulan ialah RM3,000 - RM4,000 untuk pasangan yang baru bekerja.

Kalau yang sudah bekerja 10 tahun, sudah tentu pendapatan sudah lebih dari itu.

Yang penting merancanglah kewangan anda dengan betul.
Yang mana perlu diutamakan dan yang mana perlu ditangguhkan dan akhir sekali yang mana perlu dielakkan dari membeli.

Kalau ada 2-3 orang anak, memadailah dengan kereta Wira sahaja, jangan bila keluar Exora, berebut nak buat 'booking'. Lainlah kalau ada anak 5 orang.

Jangan sekali kali tengok apa jiran ada. Pantang jiran beli kereta baru, kita pun nak berlumba nak beli kereta baru. Keluarga kita tanggung jawab kita. Beli bila perlu!!

Guna formula berikut :

a. Gaji - Simpanan = Belanja Yang Perlu

b. Bukan : Gaji - Belanja = Simpanan!!

Kalau cara 'b' kita hidup, jawabnya ialah berhutang lah kita.

Fikir fikirkan lah.

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Kenapa berdakwah sedangkan ilmu belum sempurna?

noreply@blogger.com (ha.aziz) — Tue, 10 Nov 2009 09:50:00 +0000

Kenapa berdakwah sedangkan ilmu belum sempurna?

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Soalan: Bolehkah seseorang keluar bertabligh bilamana dia sendiri tidak tahu pun solah jenazah dan tidak tahu makna satu ayat pun dari Al-Quran?

Jawapan:

“Maksud usaha tabligh dan juga Jamaah Tabligh adalah belajar menghayati agama dan mengajak orang ramai menghayati agama. Ramai orang yang pada mulanya amat jahil mengenai agama, tetapi setelah keluar bersama Jamaah Tabligh selama 40 hari sekali atau dua kali, mereka dapat belajar memperbetulkan solah, wudhu’ mandi, Quran, solah janazah, dan berbagai aspek agama yang mungkin mengambil masa bertahun-tahun atau mungkin sepanjang hayat jika belajar di rumah disebabkan kesibukan dan tanggungjawab yang lain – itu pun jika mereka berpeluang beri masa untuk belajar. Ramai yang telah mempelajari ahadith dan boleh memberikan bayan seperti seorang ulama’. Jamaah Tabligh juga berperanan seperti madrasah dan menawarkan kaedah mudah untuk menghayati agama untuk orangramai yang tidak dapat belajar agama secara formal di madrasah.

Dan Allah Ta’ala Maha Mengetahui.

Oleh Hadhrat Mufti Mahmud Hassan Gangohi (rahmatullah alayh), Mufti Besar Darul Ulum Deoband, dikeluarkan pada 24 Muharram 1388 (dipetik dari Fataawaa Mahmudiyyah (Jilid 12 m/s 235-250)