tshirt

hi guys..sorry lama menyepi..huhu..anyway..just nk confirmation about our next project..tshirt..do all of u still interested in producing class tshirt?
coz cm xbergerak je..if still nk,do give ur opinions to project managers..syahmi n liza..if nk buat..better get started from now..

i'm confused . .

Malaysian Hindu Mother's Insurance Case Highlights Religious Conflicts

February 1, 2008

A Hindu woman has spurned an offer by Malaysia's Islamic authorities to settle a dispute over her dead Muslim son's insurance policy in a case that highlights growing conflicts over religious rights, a lawyer said Wednesday.

The Federal Territory Islamic Council offered to give Rukumony Muthiah two-thirds of the 56,300 ringgit (US$17,400; euro11,800) death insurance of her son, a Muslim convert who died in 2000, Rukumony's lawyer Darshan Singh Khaira said.

In his insurance policy, Rukumony's son, Ragu Ellaiappan, whose Muslim name was Mohamed Redzuan Abdullah, named Rukumony as his beneficiary, Darshan said.

But Islamic authorities have argued in court that under the country's religious laws for Muslims, a non-Muslim cannot claim inheritance from a Muslim, he said.

"Our federal constitution guarantees equality so how can you say a non-Muslim cannot inherit from a Muslim, but a Muslim can inherit from a non-Muslim?'' Darshan told The Associated Press in a telephone interview.

Islamic council officials familiar with the case could not immediately be reached.

The council's lawyers made the offer in High Court in northern Penang state this week, but Darshan said it was a "fairy tale offer'' that was unacceptable.

Rukumony, a 61-year-old ethnic Indian widow, is willing to settle for 80 percent of the total sum, Darshan said. The court scheduled to hear the case March 14.

His death certificate says he died of a brain infection at the age of 23, but the family believes there could be more suspicious causes linked to his stint as an army ranger because they have not been shown the post-mortem results, he said.

Malaysia's non-Muslim minorities say a spate of court cases in recent years, involving disputes between Muslims and non-Muslims, have usually ended with the Muslim side winning.

The legal conflicts have strained multiethnic ties in Malaysia, where ethnic Malay Muslims form about 60 percent of the 27 million people. Ethnic Chinese and Indians, whose faiths include Buddhism, Christianity and Hinduism, comprise the largest minorities.

*taken from claim journal news*

---the question is this:

does insurance claim considers as an inheritance? sbb dlm islam, mmg arr non-muslim x leh inherit harta org muslim kn? huii, compius2 . .

Oh MalaysiaKu, Apa Nak Jadi Dengan Kau?

Banyak betul kes penculikan kanak-kanak semenjak dua menjak ni..
Cuba tengok ni..

Sisters almost abducted by man offering sweet from van

TWO children were almost abducted by a man sitting inside a van who lured them with candy while they were playing outside a restaurant in Puchong, Sin Chew Daily reported.

He tried to pull the five-year-old girl into the vehicle when the girl came to get the candy but the girl’s sister, 12, who saw the incident, ran to her rescue.

He tried to drag the older sister in as well.

However, when he saw a woman coming by, he abandoned his attempt and drove off.

A police report had been lodged by the girls’ parents, it reported.

Huh..Selamat ke macam ni...
Cuba bayangkan lagi 10 tahun akan datang ...macam mana keadaan nya..
Bayangkan anak-anak kita nanti.. Nak kena gari diorang kat tiang rumah ke?

Dad : Sharlinie Mohd Nashar is asthmatic and needs her medication whenever she starts wheezing.

“Whoever took our little girl, please return her to us because she is asthmatic.

“Every time she starts wheezing and has difficulty breathing, she'll need her medication. Even eating ice-cream can cause her to start wheezing,” her father, wireman Mohd Nashar Mat Hussain, 29, said after a press conference here yesterday.

Doakan lah untuk dia.. Sedey sangat..

Di manakah gambarmu wahai sahabatku sekalian...

wahai sahabatku sekalian...
siapakah di antara kalian yang mahu gambarnya disiarkan dalam di dalam 'slide show'?
diharap dapatlah kalian memberi kerjasama menghantar gambar2 tersebut secepat mungkin agar proses penyiapan 'slide show' tersebut dapat disegerakan..dan diharap janganlah kalian semua menganggapkan bahawa tugasan ini dapat hamba siapkan dengan begitu 'gempak' kerana tiadalah hamba kepakaran dalam menjalankannya..hanya serba sedikit pengalaman yang dapat hamba gunakan sebagai petunjuk dan rujukan..kepada sahabat-sahabat perempuanku sekalian..sesungguhnya tiadalah hamba miliki koleksi gambar-gambar terdahulu kerana gambar-gambar di dalam simpanan hamba telah hilang dek kerosakan 'hard disk'...hanya gambar-gambar kenangan manis kita bersama di Port Dickson yang hamba miliki...terpulanglah kepada kalian semua cara mana ingin menghantar gambar-gambar tersebut...sekiranya kalian semua memiliki idea-idea atau pandangan-pandangan menarik yang dapat disumbangkan, diharap dapatlah kiranya dikongsi bersama...hanya ucapan terima kasih yang dapat hamba berikan sebagai balasan...

warkah pujangga,
A Seha Said @ Aspaleha
*cintailah budaya dan bahasa kita*
q"n n"p
((+++)) -senyum sokmo-

Opinions

Lalala ~
strange things happen when you're least expecting it. suprise2 it did happened to me this morn though.
i decided to change my project paper to developing a product on child protection insurance which btw, we (shazzy, fhad n me) explained to the class this morn (what a blast. never thought we can get that kind of idea in a desperate attempt to impress ms haslifah).

here's some features abt this "new product":

1 - it will be a group insurance
- yesss, the whole kids in the nation will be protected under this "new product"
- eliminates the unique insurance (no Llyods)
2 - since it is a group insurance, the premium will be lower and will be calculated using takaful model (pinjam mcjah pny model).
3 - the benefit will be used to cover the costs involve in the "searching" activities.
- then, there will be no conflict of interest
4 - the insured is the child and the beneficiaries will be the search party (police squad, sharizat :P etc)


so, please, my dear friends, if you have anything to add just leave a comment or commentS. td dlm class ms haslifah korg ckp laju + byk sgt, so aku x dpt nk amik points yg bley digunakan.

TQ!!

Death Bond : Profiting From Mortality

Death bond is a bond backed by underlying assets which is the pool of unwanted life insurance policy. Usually done by hedge-fund or bank (it seems like they are hedging against insurance company's profits) :) .

At first stage, it is operated by life-settlement company.

What is life-settlement company?

Imagine your grandpa whose age 70.He has a Whole Life Insurance with a face value of RM 100,000 that is payable of course when he died. But your grandpa is running out of cash to further paying the premiums. What he can do is he can sell the policy to the third party called life-settlement company.

Life settlement company will pay to your grandpa some portion of the face value (i.e 20% to 40% of the FV) and the company then continue to pay for the premium on behalf of your grandpa to keep the policy in force until your grandpa died.

When the times come, they company get the total cash value. Of course they will expect your grandpa to die as soon as possible so that the premium paid will be much lesser.

Of course if you gamble for the life of one person, the risk will be higher. A pool of these unwanted policy will spread the risk and consequently give out a stable return (around 8%) to the investors and they aren't correlated with the performance of stocks, bonds, commodities, or other investments.

Before the emergence of life settlements, customers who no longer wanted coverage can either:-

• Stopped paying the premiums.
  

• Sold their policies back to their insurers for a fraction of the potential death benefits--the so-called cash surrender value.
  

Insurers have long banked on and enjoyed on not having to pay on a certain percentage of their policies. According to the Wall Street Journal, the insurance industry earns annually 1.1 TRILLION DOLLARS in lapsed policies. Now a secondary market has emerged. Life settlements eat into those profits.

So what the insurer have to do ?

They're getting into the game. How?

They buy the life-settlements package. By sinking money into the sector, insurers can get back at least some of the money they now have to pay out in death benefits. If someone is going to profit, insurers have realized, it might as well be them.

But , i can't find life-settlement company in Malaysia by "googling" through Google. Do we have one?

Don't you think they(people who sell the policy) are more expose to being murdered? Huhu. Majnun!* .

Can we make an Islamic Death Bond? Muehehe.. You're nuts! Any comments.

*all the data may be in the category of "Sahih" "Daif" or "Maudhu'".
* Majnun means crazy in Arab.

Staying Alive!

C`mon guys, be active in posting new agenda. It can be in any forms (news or story) and we can discuss it all over here. Lets start to make this blog sounds a bit more educational. Start posting something on economics , finance , investment , insurance , mathematics and banking.

For example :

What are the factors that weaken the US dollar ?
The "death bond" ? Life insurance settlement?

It's interesting isn't it? We can be well updated to the current economy.
Do you agree? Please leave some comment. =-)

amalkanlah demi keselamatan bersama

AMALKANLAH!

1. Doa Mengelakkan Diri Dari Dirogol :

Terjemahan : “Ya Allah, sekiranya Engkau mengetahui bahawa aku beriman denganMu dan RasulMu, dan aku memelihara kehormatanku hanya untuk suamiku, maka janganlah biarkan aku menjadi mangsa orang kafir dan orang zalim”.



2. Doa Mengelakkan Anak Dari Dirogol :

Terjemahan : “Ya Allah, sekiranya Engkau mengetahui bahawa anak perempuanku beriman denganMu dan RasulMu, dan dia memelihara kehormatannya hanya untuk suaminya, maka janganlah biarkan dia menjadi mangsa orang kafir dan orang zalim”.

best x g PD aritu??

salam..amacam trip pg pd aritu? nak tau gak ape respond korg...best ke, x best ke...bg aku, memg best..kalo bleh, kt wat lg nak? gian nak mndi pantai lg..hehe..

sunyi jer~~~

uikss!!nape blog kite sunyi sgt ni??tau x kite nk g PD weekend ni?cheer up!!hehe..aku tau korg sume bz cr tajuk,cr method,wat draft..xpe2,diz weekend kite tenangkan fikiran di tepi pantai ye..jgn ension2..he,aku lum siap draft lagik!=p

BAYAR JGN TAK BAYAR!

diz is a message from encik ahmad firdaus bin abdol malek...
photostat price for actex 160 = RM10.50
survival model = RM15.00
trip to PD = priceless huhu... (RM70)
pls pay it on monday class.
thank you.
diz message is brought to you by adik Syafiq. Huhu...

Apa Erti Saya Menganut Islam?

Agenda 2008: Apa Erti Saya Menganut Islam?

Posted By Abu Saif On January 1, 2008

“Apa erti saya menganut Islam?”, tidakkah soalan itu soalan yang tidak patut ditanya?

Tidak masuk akal untuk seseorang itu menjadi Muslim tetapi belum pernah memikirkan erti keIslamannya. Memilih sesuatu tanpa mengetahui apa yang dipilih?

Tidak… bukan begitu soalannya. Selama ini tidak pernah pun membuat pilihan, melainkan segalanya diterima secara kebetulan. Islam warisan. Islam yang turun dari emak ke anak, sebagaimana turunnya warna mata dan kerinting rambut.

attention!!! its PD time!!!

the date is still d same 11 - 13 Jan at Port Dickson..boys kat apartment (at bt 9) n girls kat bglo (at bt 8)..kt akan pg ngan kete coz bas kene byr rm1000 (mahal kan?)..need about 6-7 cars..sape2 yg bleh bwk kete plz respond earlier..kt akan pg lps sbyg jmaat (hopefully class ptg tu dpt cancel, clas en hanapi kan?..hehe..)..about food, caterer tu x nak amik tmphn kt coz kt sket sgt..so, kat sane mkn sendri2 la..kat bglo n aptmnt tu ade kitchen, kalo nak msk megi bleh la..hehe..but dunt wory coz ade food court dkt ngan pantai teluk kemang (dkt ngan bglo kalo nak g mkn2 easy 4 girls la..hehe..)..k, ktorg nak wat bday party + bbq.. so, ape kata kt main tkr2 hadiah utk celebrate bday sumeorg..br fair..price range : rm10 - rm20..sape nak bg lg mahal lg bagus..hehe..

class trip!!!

skrg ni kemungkinan besar kt akan g portdickson for 3D2N on 11-13 Jan..mybe akan sewa bglo kat bt 8 betul2 dekat ngan teluk kemang..bglo tu mmg besar coz max 40 org..ktorg suggest boys n girls duk skali..ade 1 bilik kat bwh n 6 bilik kat ats..so, boys duk bwh n girls duk ats..about food, farah mencdgkn kt amik catering je, so spnjg kt kat sane terjamin la sket pemaknn kt ni..ala2 duk asrama la..hehe..ade brkfs-lunch-dinner..k, about transport, kt akan sewa bas, tp kena ade 1 kete yg follow..coz kalo ade ape2 emergency sng la..so sape nak bwk kete bg tau la..duit minyak bas n kete +sewa bas+ tol akn dikira sama rata.. ;)

. . silent . .

Lalala ~
what's happening to our blog??

jom kte main pop quiz . .

if u don't have to work/study, where do u want to live?
e.g: paris, mecca, KL :P

check out at this link...

http://tinkosong.com/2005/11/08/choice-of-course-actuarial-science/

holidayss......

guyss...i got an idea..but tak sure laa korang stuju ke tak..cube try glory beach resort...the swimming pool not bad...but the pantai tak brape best sangat laaa...on saturday nite, ader clown show and ader few shows lagik...bbq ponk ader...bleh buat kat hotel or tepi laut..so kiter bleh memekak2 skett hehehe....if nak makan,my suggestion is that kiter tayah makan hotel food (expensive durhh)...ble mintak this one outside catering prepare the food including the bbq...the caterer is from seremban...another one is tiara beach resort...mahal sket but dalam dier ader some sort of water games ala2 sunway lagoon wet park (but definitely tak sebest sunway lagoon hahaahha)....anyway...im going for a holiday kat pd next week...if ader any suggestion nak mintak tolong survey aper2 please do inform me ASAP....P/S ill ask if we can get a place for the slideshow...maybe we can ask for a screen, LCD etc huhuhuhu

Mari Menderma Nasi

Salam, aku jumpa satu website yang sangat bagus. Website untuk menambahkan khazanah vocabulary di dalam otak anda sambil menderma nasi untuk orang-orang yang miskin.
Menarik! go into website and start to donate ....

www.freerice.com

13 Aurat Wanita

1. Bulu kening - Menurut Bukhari, Rasullulah melaknat perempuan yang mencukur atau menipiskan bulu kening atau meminta supaya dicukurkan bulu kening - Petikan dari Hadis Riwayat Abu Daud Fi Fathil Bari.

2. Kaki (tumit kaki) semacam hantu loceng - Dan janganlah mereka (perempuan) membentakkan kaki (atau mengangkatnya) agar diketahui perhiasan yang mereka sembunyikan - Petikan dari Surah An-Nur Ayat 31. Keterangan : Menampakkan kaki dan menghayunkan/ melenggokkan badan mengikut hentakan kaki terutamanya pada mereka yang mengikatnya dengan loceng…sama juga seperti pelacur dizaman jahiliyah ….

3. Wangian - Siapa sahaja wanita yang memakai wangi-wangian kemudian melewati suatu kaum supaya mereka itu mencium baunya, maka wanita itu telah dianggap melakukan zina dan tiap-tiap mata ada zinanya terutamanya hidung yang berserombong kapal kata orang sekarang hidong belang - Petikan dari Hadis Riwayat Nasaii, Ibn Khuzaimah dan Hibban.

4. Dada - Hendaklah mereka (perempuan) melabuhkan kain tudung hingga menutupi bahagian hadapan dada-dada mereka - Petikan dari Surah An-Nur Ayat 31.

5. Gigi - Rasullulah melaknat perempuan yang mengikir gigi atau meminta supaya dikikirkan giginya - Petikan dari Hadis Riwayat At-Thabrani, Dilaknat perempuan yang menjarangkan giginya supaya menjadi cantik, yang merubah ciptaan Allah - Petikan dari Hadis Riwayat Bukhari dan Muslim.

6. Muka dan leher - Dan tinggallah kamu (perempuan) di rumah kamu dan janganlah kamu menampakkan perhiasan mu seperti orang jahilliah yang dahulu. Keterangan : Bersolek (make-up) dan menurut Maqatil sengaja membiarkan ikatan tudung yang menampakkan leher seperti orang Jahilliyah.

7. Muka dan Tan gan - Asma Binte Abu Bakar telah menemui Rasullulah dengan memakai pakaian yang tipis. Sabda Rasullulah: Wahai Asma! Sesungguhnya seorang gadis yang telah berhaid tidak boleh baginya menzahirkan anggota badan kecu ali pergelangan tangan dan wajah saja - Petikan dari Hadis Riwayat Muslim dan Bukhari.

8. Tangan - Sesungguhnya kepala yang ditusuk dengan besi itu lebih baik daripada menyentuh kaum yang bukan sejenis yang tidak halal baginya - Petikan dari Hadis Riwayat At Tabrani dan Baihaqi.

9. Mata - Dan katakanlah kepada perempuan mukmin hendaklah mereka menundukkan sebahagian dari pemandangannya - Petikan dari Surah An Nur Ayat 31.

Sabda Nabi Muhamad SAW, Jangan sampai pandangan yang satu mengikuti pandangan lainnya. Kamu hanya boleh pandangan yang pertama sahaja manakala pandangan seterusnya tidak dibenarkan hukumnya haram - Petikan dari Hadis Riwayat Ahmad, Abu Daud dan Tirmidzi.

10. Mulut (suara) - Janganlah perempuan-perempuan itu terlalu lunak dalam berbicara sehingga berkeinginan orang yang ada perasaan serong dalam hatinya, tetapi ucapkanlah perkataan-perkataan yang baik - Petikan dari Surah Al Ahzab Ayat 32.

Sabda SAW, Sesungguhnya akan ada umat ku yang minum arak yang mereka namakan dengan yang lain, iaitu kepala mereka dilalaikan oleh bunyi-bunyian (muzik) dan penyanyi perempuan, maka Allah akan tenggelamkan mereka itu dalam bumi - Petikan dari Hadis Riwayat Ibn Majah.

11. Kemaluan - Dan katakanlah kepada perempuan-perempuan mukmin, hendaklah mereka menundukkan pandangan mereka dan menjaga kehormatan mereka - Petikan dari Surah An Nur Ayat 31.

Apabila seorang perempuan itu solat lima waktu, puasa di bulan Ramadan, menjaga kehormatannya dan mentaati suaminya, maka masuklah ia ke dalam Syurga daripada pintu-pintu yang ia kehendakinya - Hadis Riwayat Riwayat Al Bazzar.

Tiada seorang perempuanpun yang membuka pakaiannya bukan di rumah suaminya, melainkan dia telah membinasakan tabir antaranya dengan Allah - Petikan dari Hadis Riwayat Tirmidzi, Abu Daud dan Ibn Majah.

12. Pakaian - Barangsiapa memakai pakaian yang berlebih-lebihan terutama yang menjolok mata , maka Allah akan memberikan pakaian kehinaan di hari akhirat nanti - Petikan dari Hadis Riwayat Ahmad, An Nasaii dan Ibn Majah.

Petikan dari Surah Al Ahzab Ayat 59. Bermaksud : Hai nabi-nabi katakanlah kepada isteri-isterimu, anak perempuanmu dan isteri-isteri orang mukmin, hendaklah mereka memakai baju jilbab (baju labuh dan longgar) yang demikian itu supaya mereka mudah diken ali . Lantaran itu mereka tidak diganggu. Allah maha pengampun lagi maha penyayang.

Sesungguhnya sebilangan ahli Neraka ialah perempuan-perempuan yang berpakaian tetapi telanjang yang condong pada maksiat dan menarik orang lain untuk melakukan maksiat. Mereka tidak akan masuk Syurga dan tidak akan mencium baunya - Petikan dari Hadis Riwayat Bukhari dan Muslim.

Keterangan : Wanita yang berpakaian tipis/jarang, ketat/ membentuk dan berbelah/membuka bahagian-bahagian tertentu.

13. Rambut - Wahai anakku Fatimah! Adapun perempuan-perempuan yang akan digantung rambutnya hingga mendidih otaknya dalam Neraka adalah mereka itu di dunia tidak mahu menutup rambutnya daripada dilihat oleh lelaki yang bukan mahramnya - Petikan dari Hadis Riwayat Bukhari dan Muslim.

Wasallam.
BIRO AGAMA & KEBAJIKAN
KELAB REKREASI TOURISM MALAYSIA

Korea

attention to all korean - die - hard - fans . .
check out this site ---> www.mysoju.com
you'll be amused . .

p/s: i'm sooo bored, so i need to post something