Friday, April 20, 2007
KENDURI HAFIDZ ARIFFIN (512)
Calling ALUMNI University of Newcastle upon Tyne, UK
Thursday, April 19, 2007
STATS on visitor for our blog YEAR 2007 {so far}

STATS on visitor for our blog YEAR 2006

Wednesday, April 18, 2007
Sunday, April 15, 2007
FINDING YIN - ending line -
Friday, April 13, 2007
Pelaburan saham melalui Internet haram – Majlis Fatwa
Something to ponder about. I will post the official fatwa once publish in Majlis Fatwa Kebangsaan website. You can visit their website at http://www.e-fatwa.gov.my.
Opinion?
SOURCE : UTUSAN MALAYSIA
Oleh NOR AZIAH JAAFAR, RUHAIDINI ABD KADIR dan RAMLI ABDUL KARIM
KUALA LUMPUR 12 April – Ketika wujud gelombang besar penyertaan orang ramai dalam skim-skim pelaburan Internet yang menjanjikan pulangan berlipat ganda, aktiviti itu hari ini difatwakan sebagai haram di sisi Islam.
Keputusan Mesyuarat Majlis Fatwa Kebangsaan Ke-77 di Kuala Terengganu itu sudah pasti memberi kesan kepada aktiviti pelaburan melibatkan tidak kurang 500,000 orang Islam termasuk golongan kenamaan dan profesional berpangkat Tan Sri dan Datuk.
Majlis berkenaan membuat keputusan itu terhadap semua bentuk pelaburan Internet termasuk skim cepat kaya SwissCash yang kononnya diuruskan Swiss Mutual Fund kerana skim-skim itu secara jelas mengandungi unsur riba.
Dengan nilai pelaburan mencecah RM1 bilion termasuk kira-kira RM200 juta yang dilaburkan oleh 50,000 pelabur dalam skim SwissCash, tidak kurang 50 jenis pelaburan Internet kini giat melobi orang ramai melabur dengan janji pulangan sehingga 300 peratus.
Selepas SwissCash dan beberapa lain malap, skim terbaru yang mendapat sambutan hebat ketika ini ialah I Love You Forever menerusi laman web www.iluf.biz yang menjanjikan pulangan sehingga RM21,000 bagi pelaburan pokok RM800 untuk tempoh 12 bulan dan www.ugifund.com yang dilancarkan hari ini.
Pengerusi Majlis Fatwa Kebangsaan, Profesor Datuk Dr. Abdul Shukor Husin yang ditemui pemberita selepas mesyuarat itu memberitahu, sebarang pelaburan yang menjamin keuntungan secara tetap seperti ditawarkan SwissCash adalah haram.
Menurutnya, atas alasan itu, Islam tidak membenarkan umatnya melabur dalam segala bentuk pelaburan seumpama itu.
‘‘Ada banyak pelaburan alternatif disediakan kepada pelabur yang berlandaskan Islam dan boleh disertai oleh umat Islam,’’ katanya.
Berdasarkan siasatan Utusan Malaysia, pelaburan Internet pilihan rakyat Malaysia ialah skim yang mendakwa menjana wang dalam pasaran hadapan komoditi seperti minyak, gas, perladangan dan emas.
Terdapat pelaburan Internet seperti SwissCash yang mendakwa kononnya aktiviti mereka ialah pelaburan offshore yang tidak tertakluk dalam bidang kuasa perundangan termasuk Bank Negara Malaysia (BNM).
Jenis pelaburan lain yang didakwa sebagai asas aktiviti skim pelaburan Internet ialah perniagaan mata wang asing selain melabur dalam pasaran-pasaran saham luar negara.
Sebelum ini, media mendedahkan pelaburan skim cepat kaya SwissCash yang tampil dengan pelan pelaburan tanpa had dan jaminan keuntungan lebih meyakinkan yang setakat ini sudah menelan kira-kira RM190 juta wang daripada lebih 50,000 pelabur Malaysia.
Kutipan wang deposit awam secara haram itu beroperasi dengan modus operandi berasaskan transaksi Telegraphic Transfer (TT) di bank-bank tempatan dan urusan pelaburan menerusi Internet.
Ekoran itu, BNM membuat kenyataan bahawa skim SwissCash adalah menyalahi undang-undang negara kerana mengambil deposit secara haram.
Teknologi
Selain SwissCash, terdapat lebih 50 skim cepat kaya menggunakan kemudahan teknologi maklumat dan komunikasi (ICT) didalangi beberapa sindiket yang menawarkan pelbagai bentuk pelan pelaburan menerusi alam maya Internet.
Antara skim berkenaan ialah
www.ABFund.biz;
www.WinliFund.com;
www.empay.com;
www.buyebarrel.us;
www.eaindex.com;
www.fical.us;
www.GlobalForex.us;
www.Arabic.com;
www.eracapital.com;
www.e-investpro.com;
www.GG-trade.com
www.smartindex.net.
Dengan membuka laman web www.jutawan.com, pelayar boleh mendapatkan senarai keseluruhan skim-skim pelaburan Internet atau istilah globalnya dikenali sebagai High Yield Investment Programme (HYIP).
Modal pelaburan dikira berasaskan nilai mata wang Amerika Syarikat (ASD) berdasarkan 3.80 bagi setiap Ringgit Malaysia.
Dengan pelaburan serendah AS$20 (RM76), skim-skim itu menjanjikan pulangan lumayan minimum dua peratus sehari atau 60 peratus sebulan yang dibayar kepada para pelabur selama 100 hari.
Pulangan itu jauh lebih besar dan terlalu tinggi jika dibandingkan dengan kadar pulangan yang ditawarkan institusi perbankan iaitu tiga peratus sebulan bagi deposit tetap atau lapan peratus bagi pasaran modal.
Dengan pelan pelaburan yang menarik menggunakan laman web yang berpusat di Amerika Syarikat (AS), penganjur yang sebenarnya didalangi orang tempatan berjaya mengabui mata para pelabur.
FINDING YIN

Wednesday, April 11, 2007
>FREE SMS<
Monday, April 09, 2007
Guarantors a must for study loans
ALOR GAJAH: The National Higher Education Fund Corporation (PTPTN) has taken measures to ensure students repay their loans.
Higher Education Minister Datuk Mustapa Mohamed said the steps included tightening loan procedures and sending summonses to those who failed to pay up. "From this month, we require the loans to be backed by guarantors. "There was no need for guarantors in the past but from now onwards, parents can be the guarantors," he said to reporters after launching the Higher Education Ministry Day with the Rakyat at Kampung Bukit Bulat, Machap here, yesterday. Mustapa was commenting on a New Sunday Times report yesterday that students who had taken loans from the PTPTN, the Public Service Department and Mara owed RM12 billion. Bernama quoted him as saying that from January next year, those who applied for loans must have savings in the national education savings scheme. The minimum savings amount should be RM500 for those with an income of RM2,000 a month. "We find that parents do not prepare for their children’s education. If they have some savings, they will not need to obtain full loans," he said. He said the PTPTN had an annual fund of RM2 billion a year while the number of borrowers was about 150,000 a year. Meanwhile, in Kuala Lumpur, his deputy Datuk Ong Tee Keat said the ministry preferred not to "chase the students with a stick". He said: "We want them to be more proactive in repaying their dues." The money they had borrowed, he said, belonged to the public and they would be depriving other students of a loan by not making prompt repayments. Ong said this after opening the Kampung Pandan community centre.One-third triathlete
Thursday, April 05, 2007
iPod by apple
birthday bash... apr
telepong...
sony ericsson w880i [klik kat sini]
dopod u1000 [klik kat sini]
blackberry 8800 [klik kat sini]
personally aku suka iPhone tapi size sony ericsson kecik tapi power. dopod & blackberry for business person. kalau korang dpt dopod or blackberry from company, diorang dah breach your privacy in term of work.... work at anytime, anyplace....
Wednesday, April 04, 2007
CONTACT NO
Tuesday, April 03, 2007
Ramai lulusan perubatan tidak jadi doktor
Friday, March 30, 2007
PIK NIK 07 APRIL 2007
Tuesday, March 27, 2007
PIK - NIK 310307


Monday, March 26, 2007
My first TT (time trial)




Wednesday, March 21, 2007
KLIM 10k race report

Sunday, March 18, 2007
Malaysians pay price for free-spending
Something to think about.....
source: nstp online [click here for details]
18 Mar 2007 Patrick SennyahMORE Malaysians are being declared bankrupt. And 40 per cent of bankruptcies is the result of failure to repay personal or business loans and credit card abuse.
"Up to February, there were 2,265 cases. Last year, there were 13,590 cases," said Deputy Minister in the Prime Minister’s Department Datuk M. Kayveas.
Based on a study conducted by Universiti Malaya, he said it was worrying that some of the credit card defaulters declared bankrupt were aged between 20 and 30.
After credit card and persoanl loan defaulters, housing and car loans defaulters made up 25 per cent of bankruptcies followed by guarantors (21 per cent) and the rest were defaulters of scholarships and stock exchange losses.
According to the National Insolvency Department, a cumulative total of 153,676 bankruptcy cases have been recorded with them.
The total debt of these outstanding payments amounted to more than RM300 billion. Credit card debts stood at RM20 billion.
"Some people have at least three credit cards with an accumulated spending limit of more than 15 times their earning capacity," said Kayeas.
The minimum debt to initiate a bankruptcy is RM30,000, following a revision to the Bankruptcy Act 1967 in October 2003.
Kayveas said a credit card holder would get into serious trouble when the card was used for cash advances.
"The problem is many do not realise the interest rate for cash advances is very high. Within months, this can snowball into a large amount."
He said the fact that a person could get a credit card or personal loan so easily these days was worrying.
"In earlier times, a person would have to earn at least RM24,000 per annum to qualify for a credit card.
"These days, someone earning RM1,000 a month can get a card."
Kayveas said this was worrying considering a fresh graduate earned about RM1,200 and could have three credit cards with a credit limit of RM20,000.
"Though those aged between 41-50 form the largest group of bankrupts, followed by the 31-40 group, it is unacceptable for someone under 30 to be declared a bankrupt."
He urged banks and financial institutions to be more stringent in extending credit.
"An increasing number of banks is publicising their personal loans and how easy it is to obtain one.
"Banks should be more meticulous in issuing these loans and credit cards considering that some people abuse these facilities."
There are nine million credit card holders nationwide.
A bankrupt will have his passport impounded by the Immigration Department and his bank account frozen.
Meanwhile, a senior bank official said it was up to a bank to issue a credit card or extend a personal loan.
"We have to check a person’s creditworthiness and then decide if he is eligible."
The bank officer did acknowledge that there was stiff competition among banks and some adopted relaxed rules in giving loans and credit cards.
Friday, March 16, 2007
small gathering
cikgu tajri
...Cool Website...
Tuesday, March 06, 2007
LoCum
Wednesday, February 21, 2007
seLamat peNgantin Baru...
Thursday, February 15, 2007
Love is..
Love Is
Love is loving him in silence
And wanting him to be happy
Love is accepting the fact that he doesn’t love you, or doesn’t love you anymore
Love is not having any expectation of being loved in return
Love is hard to conceal.
Love is having a thought of him every now and then
And praying that he has a good life too
And if you’re with him for few years now
Accepting the fact that he’s human too
Love is the hardest when you have to let go.
Love is only beautiful in movies
Love is pain and pleasure combined
Love is whispering his name at night
Love is the hardest when he’s not by your side
Love is not the ultimate reason to marry him
Love never saves your soul.
Love always hurt when you loved him the most
Love rarely has happy endings.
Love is in my eyes, staring at the sky
As I saw him staring back at me, as I cried…
Tuesday, February 13, 2007
bapakku & omakku
weLcoMe to the CLub... AAHAF 506
walimatul urus..... msh 505
Monday, February 12, 2007
updates on cikgu tajri [12 feb]
Friday, February 09, 2007
cikgu kelas lima sebelas
Thursday, February 08, 2007
pesanan buat cikgu tajri & cikgu therah
.::Lagi updates pasal Cikgu Tajri::.
Wednesday, February 07, 2007
CIKGU TAJRI [Updated Feb 7]
Monday, February 05, 2007
CIKGU TAJRI
Thursday, February 01, 2007
:::badminton:::
Wednesday, January 31, 2007
Kalo rasa2 nak dera badan
kepada contributorS
Tuesday, January 30, 2007
-----futsal------cancelled-----
Thursday, January 25, 2007
Kisah 503


Sunday, January 21, 2007
ANSARA Taiping dikecewakan pada penentuan penalti Piala Alumni 2006
Friday, January 19, 2007
PERUBAHAN TEMPAT!: ANSARA TAIPING vs ANSARA KT (SEMI-FINAL LIGA ALUMNI)
HAMPERS FOR SALE
Tuesday, January 16, 2007
..FUTSAL..
from TagME! webmaster....
You may have noticed that TagMe! is no longer viewable on your site/blog.
I'm sorry to annouce that the current hosting has blocked my account, and I'm in a process of transferring to a new hosting company. The process might take at least 1 week to finish. I also afraid that TagMe! won't be available at all during those time.
Feel free to contact me on this email if you have any query.
"Sorry for the inconveniences caused"
Kind regards, Webmaster of mohdimran.com
Monday, January 15, 2007
tribute to Tuan Nurul Akmar AKA kak ayu 503
Sunday, January 14, 2007
ANSARA TAIPING at Semi-Final Liga Alumni
Friday, January 12, 2007
wedding azree 503
Wednesday, January 03, 2007
[email from jep sakedan]
Saya dengan rendah diri nak menjemput semua rakan2 sekeluarga datang umah saya ari sabtu ni.. nak buat sedikit jamuan dan bacaan yasin+tahlil sempena masuk umah. Agenda mula pukui 2.30 petang dengan bacaan yasin dan tahlil lepaih tu kita bole menjamu selera.
Terima kasih in advance sebab sudi datang.
address: No 18, Lorong Perda Timur 9, Bandar Perda, Penang {klik kat sini utk info Bandar Perda}Jefferi 012-4097210
>>>gaMbar<<<
--- birthDay ---
Tuesday, December 26, 2006
SELAMAT HARI RAYA QURBAN
Thursday, December 21, 2006
[CARI KERJA?] At Honda Melaka
[NEED HELP] Pembuat Brgn Plastik
Wednesday, December 20, 2006
Ingat lagi tak??











Friday, December 15, 2006
Thursday, December 14, 2006
mohd farid mohd jalani 502 aka wAk..
Wednesday, December 13, 2006
YO YO YO AMILIN MAHIR....512
BUSINESS PROPOSAL FROM nalin 511
FUTSAL
***reunion akhir tahun = open for suggestion***
website ni bukan official website mrsm taiping... mau carik official punya, http://www.mrsmkm.edu.my/taiping/. segala isi kandungan dalam blog ni tak mewakili mrsm taiping dan MARA. Untuk cari Ansara Cawangan Taiping, bleh p ke http://www.actorg.net. Kat ACTorg.net, webmaster dia Abg Damit.... website ni utk geng2 mrsm taiping batch 9495 lay-park, borak2, merapu, meroyan, melalak.
jemput tengok dan tengok lagi.. kalau tak puas jugak bleh la tinggal message ka, letak comment ka... mau Lagi??? email la sama wa kat taiping9495 at gmail dot com.
terima kasih kat sapa2 yg tolong website ni secara jualan langsung atau black market....
article yg ada dlm ni adalah hakcipta blog ni kecuali ada dinyatakan dicilok dari sumber2 tertentu... segala komen yg dibuat dalam blog ni takde langsung mewakili blog nih.. komen2 tu adalah hak dan rekacipta org yg tulis komen tu... ada paham? webmaster ada hak utk meng'edit', meng'keluar'kan mana2 post yg dirasakan tidak sesuai