Awesome road safety vid

wear your seat-belt

Take longer to look for motorcyclist

What have I done?

…When men will bite off their hands out of regrets, then regretting is of no avail…

Quotable

A man is too apt to forget that in this world he cannot have everything. A choice is all that is left him.

H. Mathews

It does not do to dwell on dreams and forget to live.

J. K. Rowling, Harry Potter and the Sorcerer’s Stone, 1997

Debtee Don’t (by UZAR)

Fenomena Hutang Dan Keburukannya

Oleh :

Zaharuddin Hj Abd Rahman

www.zaharuddin.net

Keadaan umat Islam menjadi memilukan apabila, aktiviti berhutang menjadi asas kehidupan masyarakat hari ini, ia mungkin tidak pelik bagi mereka yang tidak berkemampuan, tetapi ia telah menjadi kaedah dan teknik yang terbaik (sebagaimana didakwa) bagi mencapai keuntungan dan mengekalkan kekayaan sesebuah syarikat atau individu. Sila rujuk www.zaharuddin.com.

Maka lahirlah ramai individu yang berkemampuan untuk membuat pembayaran secara tunai, tetapi masih lagi suka berhutang dalam membeli kereta dan rumah. Hujah mereka mudah sahaja dalam hal ini, iaitu jika bayar tunai maka kita akan RUGI, RUGI dan RUGI. Inilah satu fenomena kurang sihat yang telah di anggap sihat oleh masyarakat hari ini.  Ia berpunca daripada kurangnya maklumat berkenaan bahaya hutang dalam keadaan berkemampuan.

Dalam konteks semasa, kita dapat melihat bagaimana ramainya peminjam-peminjam yang enggan membayar hutang pengajian, rumah, kereta, syarikat mereka, ada juga yang lebih rela di gelar muflis asalakan tidak perlu membyara jumlah hutangnya yang menimbun. Ia kelihatan enak untuk tidak membayar hutang di dunia, tetapi ia pasti akan menjadi malapetaka di akhirat.

Minggu ini, sama-sama kita mempelajari pandangan Islam dalam hal hutang ini. Nabi SAW bersabda :-

يغفر للشهيد كل شيء إلا الدين

Ertinya : ” Diampunkan semua dosa bagi orang mati yang terkorban Syahid kecuali jika ia mempunyai hutang (kepada manusia)” ( Riwayat Muslim, 6/38)

Lebih buruk lagi apabila terdapat sesetengah individu yang meminjam dengan niat untuk tidak memulangkan kembali. Sebagaimana Sabda Nabi SAW :

من أدّان أموال الناس يريد أداءها أدى الله عنه , ومن أخذها يريد اتلافها أتلفه الله

Ertinya : Barangsiapa yang meminjam harta orang lain dengan niat ingin mengembalikannya, Allah akan mengembalikan pinjaman itu, namun barangsiapa yang meminjamnya dengan niat ingin merugikannya, Allah pun akan merugikannya” ( Riwayat Al-Bukhari, 2/83 )

Rasulullah SAW juga kerap mengajar umat islam agar berdoa dilepaskan dari hutang :

اللهم إني أعوذبك من المأثم والمغرم ( الدين ) , فقيل له : إنك تستعذ من المغرم كثيراً يا رسول الله ؟ فقال : ” إن الرجل إذا غرم حدث فكذب , ووعد فأخلف”

Ertinya : Ya Allah, aku berlindung kepadaMU dari dosa dan hutang, lalu Baginda ditanya : Mengapa engkau sering meminta perlindungan dari hutang, whaai Rasulullah ? ; Baginda menjawab : ” Jika seseorang berhutuang, bila berbicara ia dusta, bila berjanji ia mengingkari” ( Riwayat Al-Bukhar, 1/214 )

Terdapat juga dalam sebuah hadith lain :

Ertinya : Ya Allah, aku berlindung dari kekufuran dan hutang, Mendengar itu seseorang bertanya, ” Apakah engkau menyamakan kekeufuran dengan hutang wahai Rasulullah ? ; ” Benar ” Jawab Rasulullah” ( Riwayat An-Nasaie, 2/316 ; Ahmad , 3/38 ; Al-Hakim berkata Sohih dan disepakati oleh Az-Zahabi; Menurut Albani : Dhoif )

Berlandaskan dalil-dalil di atas jelaslah kepada kita bahawa aktiviti berhutang ini adalah kurang sihat menurut pandangan Islam. Justeru, kita sewajarnya menjauhinya semampu boleh. Beberapa cadangan di bawah perlu difikirkan demi memastikan tanggungan dan beban hutang kita dikecilkan, ia seperti berikut :-

• a) KAD KREDIT : -Jauhkan diri dari menggunakan kad kredit. Selain isu-isu riba yang begitu hampir dengan kad kredit, ia juga amat menggalakan hutang secara berlebihan. Malah jika seseorang ingin menggunakannya, adalah amat di nasihatkan agar digunakan untuk memudahkan urusan di saat-saat yang benar-benar terdesak. Selain itu, adalah lebih baik juga menggunakan “Charge Card” atau “Debit Card” sahaja. Jauhkan diri dari ketagihan penggunaan kad kredit.

• b) PINJAMAN PERIBADI : Ini satu lagi jenis produk yang boleh mengakibatkan penyakit ketagihan duit di kalangan masyarakat. Pelru di sedari bahawa seluruh jenis pinjaman peribadi secara konvensional adalah di haramkan oleh Islam dengan sepakat seluruh ulama. Cuma, hari ini, terdapat beberapa Bank Islam dan perbankan Islam yang menawarkan Pinjaman (pembiayaan) peribadi secara Islam. Sebagai makluman, tidak semua bank Islam menawarkannya kerana produk ini berlandaskan konsep “bai inah” ( jual dan beli semula antara dua pihak yang sama). Konsep ini amat konterversi dan di tolak oleh kebanyakan ulama timur tengah, bagaimanapun ianya di terima oleh ulama Malaysia dan Brunei. Apapun, pada kebiasaannya, kadar yang di kenakan adalah tinggi. Oleh itu, penggunaannya tanpa keperluan yang amat mendesak juga perlu dikurangkan atau dihapuskan terus demi mengurangkan beban hutang yang ditanggung.

• c) PERUMAHAN DAN KERETA : dua item ini mungkin keperluan yang asas bagi kebanyakkan individu. Bagi saya, seeloknya, hutang peribadi kita eloknya di hadkan kepada dua jenis ini sahaja. Itupun , mestilah menilai kemampuan kewangan dengan sebaiknya agar tidak mendedahkan diri kepada bahaya ketidakmampuan membayar hutang. Sebarang pinjaman kereta dan rumah secara konvensional adalah disepakati haramnya oleh seluruh ulama dunia.

• d) UMRAH DAN HAJI SUNAT (KALI KEDUA): Haji sememangnya wajib bagi umat Islam yang berkemampuan fizikal dan kewangan. Bagaimanapun, yang wajib hanyalah sekali sahaja. Justeru, umat Islam perlu memahami ‘priority’ atau “awlawiyyat” di dalam pengendalian wang peribadi. Menurut Islam, menggunakan wang yang diperuntukan untuk ke umrah dan Haji kali kedua adalah lebih baik dan besar pahalanya untuk disalurkan bagi melupuskan pembayaran hutang peribadi yang bertimbun-timbun itu. Malangnya, ketidak fahaman kebanyakan umat islam hari ini menyebabkan mereka kerap mendahulukan sesuatu yang kurang penting berbanding yang lebih penting.

7 Ogos 2006

Depression Kills

Depression Questionnaire

The following DEPRESSION QUESTIONNAIRE has 16 simple questions that may help identify common symptoms of depression. The results can be a helpful way to discuss your condition with your healthcare provider and actually help him/her diagnose your condition. After answering the questions provided on the following pages, print the completed questionnaire and discuss any concerns with your doctor.

As with any medical illness or condition, only your doctor or other qualified healthcare professional can provide a diagnosis of depression. The following questionnaire is intended to help you discuss symptoms with a qualified healthcare professional. This questionnaire is not intended to serve as a substitute for a diagnosis of depression by a qualified healthcare professional. If you think you may have depression, you should visit your doctor or other qualified healthcare professional as soon as possible.

Complete the questionnaire below and take the results to your doctor.

Choose the items that best describe you over the last 7 days.
Falling Asleep:
	I never take longer than 30 minutes to fall asleep.
	I take at least 30 minutes to fall asleep, less than half the time.
	I take at least 30 minutes to fall asleep, more than half the time.
	I take more than 60 minutes to fall asleep, more than half the time.
Sleep During the Night:
	I do not wake up at night.
	I have a restless, light sleep with a few brief awakenings each night.
	I wake up at least once a night, but I go back to sleep easily.
	I awaken more than once a night and stay awake for 20 minutes or more, more than half the time.
Waking Up Too Early:
	Most of the time, I awaken no more than 30 minutes before I need to get up.
	More than half the time I awaken more than 30 minutes before I need to get up.
	I almost always awaken at least one hour or so before I need to, but I go back to sleep eventually.
	I awaken at least one hour before I need to, and can’t go back to sleep.
Sleeping Too Much:
	I sleep no longer than 7-8 hours/night, without napping during the day.
	I sleep no longer than 10 hours in a 24-hour period including naps.
	I sleep no longer than 12 hours in a 24-hour period including naps.
	I sleep longer than 12 hours in a 24-hour period including naps.
Feeling Sad:
	I do not feel sad.
	I feel sad less than half the time.
	I feel sad more than half the time.
	I feel sad nearly all of the time.
Decreased Appetite:
	There is no change in my usual appetite.
	I eat somewhat less often or lesser amounts of food than usual.
	I eat much less than usual and only with personal effort.
	I rarely eat within a 24-hour period, and only with extreme personal effort or when others persuade me to eat.
Increased Appetite:
	There is no change from my usual appetite.
	I feel a need to eat more frequently than usual.
	I regularly eat more often and/or greater amounts of food than usual.
	I feel driven to overeat both at mealtime and between meals.
Decreased Weight (Within the Last Two Weeks):
	I have not had a change in my weight.
	I feel as if I’ve had a slight weight loss.
	I have lost 2 pounds or more.
	I have lost 5 pounds or more.
Increased Weight (Within the Last Two Weeks):
	I have not had a change in my weight.
	I feel as if I’ve had a slight weight gain.
	I have gained 2 pounds or more.
	I have gained 5 pounds or more.
Concentration/Decision-Making:
	There is no change in my usual capacity to concentrate or make decisions.
	I occasionally feel indecisive or find that my attention wanders.
	Most of the time, I struggle to focus my attention or to make decisions.
	I cannot concentrate well enough to read or cannot make even minor decisions.
View of Myself:
	I see myself as equally worthwhile and deserving as other people.
	I am more self-blaming than usual.
	I largely believe that I cause problems for others.
	I think almost constantly about major and minor defects in myself.
Thoughts of Death or Suicide:
	I do not think of suicide or death.
	I feel that life is empty or wonder if it’s worth living.
	I think of suicide or death several times a week for several minutes.
	I think of suicide or death several times a day in some detail, or I have made specific plans for suicide or have actually tried to take my life.
General Interest:
	There is no change from usual in how interested I am in other people or activities.
	I notice that I am less interested in people or activities.
	I find I have interest in only one or two of my formerly pursued activities.
	I have virtually no interest in formerly pursued activities.
Energy Level:
	There is no change in my usual level of energy.
	I get tired more easily than usual.
	I have to make a big effort to start or finish my usual daily activities (for example, shopping, homework, cooking or going to work).
	I really cannot carry out most of my usual daily activities because I just don’t have the energy.
Feeling Slowed Down:
	I think, speak, and move at my usual rate of speed.
	I find that my thinking is slowed down or my voice sounds dull or flat.
	It takes me several seconds to respond to most questions and I’m sure my thinking is slowed.
	I am often unable to respond to questions without extreme effort.
Feeling Restless:
	I do not feel restless.
	I’m often fidgety, wringing my hands, or need to shift how I am sitting.
	I have impulses to move about and am quite restless.
	At times, I am unable to stay seated and need to pace around.
© 2000, A. John Rush, M.D., Quick Inventory of Depressive Symptomatology (Self Report) (QIDS-SR)

Source: http://www.depression.com/depression_questionnaire.html

The T to the E

I overheard someone said “man is like the pyramid, only upside-down. Break the legs, you’ll break him good”

Well to me if you consider the physical of a man, then yes, the pyramid analogy will hold. But consider this, physical is only just half of a man. Many have even proved that it could be just one third of a man.

Pyramid does have a special place in the history of mankind. An Arabic proverb said “even time fears pyramid” This is quite an over statement but considering the thousand of passing years the pyramid stands then..well almost.
But then man and pyramid is beyond compared, particularly if the time factor is in. Man will succumb to time. Many generations have passed, yet the earth is still spinning..The clock is still ticking (well at least when I wrote this)

I like to add to the pyramid analogy (or edit it thru my two cents)

“Break the legs of a man, he will crawl”

“Break the hand, he will run”

“Break the heart, now you break him good”

The heart is the other half of a man. Man with no heart is a machine with the physical being the engine. So have a heart for you are a machine without it. Machine is no fun, it’s input is programmable and it’s output is predictable..or maybe some people find it fun that way

Now what breaks a man heart more than anything.? It’s gotta be something sharp. So the sharpest thing man have found is the diamond (at least according to my choice) Even the hardest of rock in the deepest of the earth crust give its way to the diamond so the black gold can come bursting out of the sea floor.

But the diamond is nothing compared to the tongue of a man. Funny isn’t when the tongue which has no bones yet stronger than the diamond when its purpose is met.

No wonder the Arabic proverb has it “the tongue is sharper than sword” Yes it is.

So weigh your speech if you not breaking things..or maybe, just maybe..listening to the silence is a blessing in disguise.

The Marriage

Boy reading does feel good..

So yeah talk about marriage, the famous list about the ring in marriage. To marry is to ring2..heh SO this are the list of the ring one could expect from marriage

1. The ring-ring (calling2)

2. The door-bell ring

3. The engagement ring

4. The wedding ring

5. The suffe-ring

6. The bo-ring

But don’t be fooled by the chronological, the list could be shuffled heheh plus it’s not entirely true..But some study shows the immense feeling of romantika (the one which makes your heart pounds) will last about 8 to 14 months in the relationship. The rest is your commitment to make the marriage a blast

Socrates said

“by all means get married, if you get a good wife, you will be happy, if not you will become a philosopher”

(credit to apples poh)

I read somewhere about life

I read somewhere about life, life is making choices and live with the consequences; how true. That’s what our reasoning for…to reason our choices

It’s never been easy making a decision. So I pity those who decide on wrong decision. Through out my 25 years of life, lot of decisions I made. And often times I tend to feel that my decisions were wrong. Is it just me or it’s really is. I know it’s not easy to satisfy human. But darn, does regret is a sign of wrong decision?

Take my car for example. I feel like screaming to anybody now “behold, for the used car will eat your money” but what was I thinking when I bought it? Not that I don’t know its coming. But back then, the desire to have what you want overpowers the logic of decision making. Isn’t that the very thing which differentiates the wise from others? The wise will sure feel the same thing about desire but his logic remains supreme. So does his decision

Ok let’s recap, before buying my foreign used car, I was all over the car magazine and internet researching my choices. Only thing I was so sure was I don’t want local car. Why was I so sure? Then a friend told me about this car which I now have one, I was like “whoa, I am going for this one”

Now, after having the car, the excitement was all gone, in fact regrets come knocking when there are so many things to be repaired and replaced.

Why was I so easy to decide? Every decision is big. I read in Covey’s 7 habits a quote from Bruce Barton

“Sometimes when I consider what tremendous

Consequences come from little things….

I am tempted to think…

There are no little things.”

So to start with the end in mind does make sense