Hak Isteri

Ada kawan share post ni di FB maka saya save info yang berguna untuk manfaat semua. Saya edit bagi pendek supaya lebih senang nak baca.

"Isteri ‘𝗕𝗹𝘂𝗿’ di Mahkamah bila Hakim tanya ‘𝗔𝗽𝗮 𝗽𝘂𝗮𝗻 𝗻𝗮𝗸?’

Ada satu pasangan suami isteri yang dipanggil dihadapan Hakim. Kes Permohonan Poligami yang difailkan oleh suaminya. Kes mereka tidak diwakil oleh mana-mana pihak.

Yang jadikan saya stress kat tepi tu adalah, keadaan wanita yang saya rasa isteri pertama lelaki tersebut, macam tak tahu apa-apa bila dihadapan Hakim.

Saya tahu, dia mungkin setuju untuk benarkan suaminya berpoligami. 

Yang saya kesian adalah, wanita yang pergi ke Mahkamah tapi dia macam ‘blur’ dan tak tahu nak mintak apa haknya.

Hakim pun siap bagi ‘hint’ lagi, ‘Puan tak nak declare apa-apa ke macam rumah puan sekarang?’

‘Takpalah tuan, dia dah sedia rumah kat saya’. 

Haihhhhh. 

Saya kat tepi masa tu, perati jer suaminya senyum lebar. 

Hakim pun tanya kalau-kalau suami pesan jangan cakap apa-apa depan Hakim.

Sengih-sengih ja puan ni.

✅ Apa yang perlu isteri buat bila terima permohonan poligami?

Kalau marah itu biasa. 

Kalau setuju dan tak marah pun itu biasa. 

Tapi, tolong jangan tak pergi ke Mahkamah bila dipanggil.

Bila dihadapan Hakim, Hakim hanya nak tahu, jika setuju poligami ini, apa hak isteri yang nak direkodkan. Ini kuasa Hakim. Mintak direkodkan Nafkah isteri ikut keperluan.

Kedua, mintak direkodkan Nafkah Anak untuk anak-anak. Rekod ikut keperluan, bukan ikut ala kadar. Kalau Nafkah Anak dan Nafkah Isteri pun suami takat nak bagi ala kadar, baik tak payah la poligami.

✅ Apa yang paling penting untuk rekod lagi?

Pada saya yang paling penting adalah rekodkan tentang Harta Sepencarian. 

Isteri kena tahu, kes Harta Sepencarian adalah kes yang rumit di Mahkamah jika satu pasangan bercerai dan nak buat tuntutan tersebut.

Biasanya perbicaraan kes Harta Sepencarian ini makan tahun dan perlukan segala macam bukti untuk perbicaraan. Tapi, bagi isteri yang dapat Tuntutan Poligami, isteri diberi keistimewaan untuk mintak Hakim ‘declare’ sebagai perintah, apa sahaja Harta yang suami ada sekarang sebagai Harta Sepencarian tanpa perlu bicara.

Bahkan, isteri boleh mintak diisytiharkan ‘1/2’ atau separuh bahagian milik anda walaupun suami yang beli 100%. Orang lain nak dapat 1/3 bahagian pun sukar jika bicara kes Harta Sepencarian.

✅ Kenapa penting rekod Harta Sepencarian ini?

Sebagai isteri kena tahu, meskipun suami beli 100% rumah dan sediakan untuk isteri, mungkin benar itu adalah Harta Sepencarian. 

Tapi, jika tidak ada Perintah, andai berlaku kematian suami, Rumah itu tetap dikira pusaka dan perlu dibahagi secara Faraid.

Melainkan dapat Perintah Harta sepencarian. Nak dapat perintah 1/2 bahagian, isteri perlu ada bukti yang isteri juga ada sumbangan langsung terhadap pembelian rumah tersebut.

✅ Apa jadi kalau suami mati, dan tak rekod Harta Sepencarian?

Rumah dan segala harta itu akan dibahagi secara Faraid. Kalau ada anak, bahagian faraid isteri adalah 1/8. Namun, jika suami anda berpoligami, mungkin dua isteri, bahagian isteri akan jadi 1/16.

Itu belum kira jika suami ada 3 atau 4 isteri. Lagi kecil bahagian pusaka seorang isteri. Dan tak semena-mena, isteri terpaksa naik turun Mahkamah hanya untuk ‘declare’ Harta Sepencarian dan berlawan dengan semua ahli waris.

Itu kalau mati. Kalau isteri diceraikan sewaktu hidup, selepas cerai nak kena lantik peguam bagi failkan Harta Sepencarian. Itu pun jika Harta itu masih ada. Kalau rumah sudah dijual sebelum cerai, jenuhlah  naik turun Mahkamah.

✅ Kalau Tuan Fahmi di tempat isteri, apa yang tuan akan buat?

Jangan tak pergi langsung. Lagi rugi. Suami boleh ‘kuak bebas’ depan Hakim. 

Tapi, saya akan mintak rekod Nafkah diri sebagai isteri RM1000 sebulan at least, Nafkah Anak seorang RM600 at least seorang setiap bulan, RM300 untuk baju raya dan RM400 untuk perbelanjaan awal persekolahan.

Harta Sepencarian confirm, semua harta yang suami beli, saya nak mintak Mahkamah ‘declare’ 1/2. Kalau ada yang saya keluarkan duit lebih, saya nak mintak 2/3 bahagian.

Lagi satu, saya nak mintak suami sediakan Hibah Takaful RM1 juta sebagai simpanan dan tinggalan jika berlaku kematian. At least, hak saya selamat selepas kematian suami. Dan bolehlah saya nak survive dengan baik dan selamatkan Harta pusaka arwah.

❤️ Kesimpulan,

Saya sangat berharap, perkongsian saya ini sampai kepada lebih ramai wanita. Jangan pergi ke Mahkamah dalam keadaan yang anda tak tahu apa-apa.

Rugi. Tersangat rugi.

Fahmi Ramli.

Anda ada pertanyaan? Boleh tanya disini

wasap.my/60197372389/NakTanyaSikit"

Tips Selesaikan Hutang Bank

 Alhamdulillah, masih berpeluang menulis di blog ini.

Hari ni saya nak share sikit tentang pengalaman melunaskan hutang bank.

Semuanya bermula dengan niat. Niat untuk hidup lebih shariah compliant, walaupun hutang bank adalah islamik, namun begitu, sebenarnya jumlah yang dibayar setiap bulan tu, sebahagian sahaja adalah untuk membayar hutang dan sejumlah yang signifikan adalah keuntungan yang bank buat hasil daripada hutang tersebut.

Maka mula2 saya email bertanya kepada MBSB tentang prosedur untuk melangsaikan hutang loan rumah, dan telah dibalas dengan borang yang perlu diisi.

Saya kemudian pergi ke bank pada mulanya untuk mengurangkan jumlah hutang.

Seperti juga pertanyaan kepada Maybank baru-baru ini, jika customer membuat bayaran bulanan melebihi jumlah yang sepatutnya, perlu memaklumkan kepada bank bahawa lebihan bayaran adalah untuk mengurangkan hutang. Jika tidak dimaklumkan maka bayaran lebih hanya akan digunakan untuk bayaran bulanan sahaja dan bukan untuk mengurangkan jumlah hutang.

Kemudian, selepas dua kali membuat bayaran untuk mengurangkan hutang, saya membuat kira2, memang lebih untung jika dibayar terus dan langsaikan hutang tersebut.

Maka, perlu maklum kepada pihak bank MBSB dan tunggu mereka keluarkan surat. Dalam surat tersebut diberi tiga tarikh berserta tiga jumlah berbeza yang perlu dibayar mengikut tarikh yang dipilih.

Contohnya jika permohonan untuk melangsaikan hutang adalah pada July 2024, maka tiga tarikh bayaran pada Julai, Ogos dan September 2024 diberikan dan semakin lama tarikh, semakin tinggi bayaran akhir tersebut, beza dalam beberapa percent jumlah pinjaman yang tinggal.

Untuk bayaran terakhir tidak boleh menggunakan online banking tetapi perlu buat bank draft atau money order. 

Maka saya memilih menggunakan khidmat Maybank.

Selepas bayaran dibuat, saya email MBSB untuk mendapatkan surat "Release Letter" yang diminta oleh peguam. 

Seperkara lagi, semasa mengisi borang permohonan untuk melunaskan hutang bank, kita akan diminta untuk isi nama dan nombor telefon peguam untuk menguruskan "discharge of charge" yang saya faham adalah menukar nama untuk hartanah dari nama bank kepada nama pemilik.

Release letter ini juga diminta apabila kita pergi ke pejabat Takaful untuk cashkan MRTA atau mortgage reducing terms agreement.

Saya tak ingat sama ada Takaful Malaysia atau Takaful Ikhlas, tetapi, perlu datang ke cawangan terdekat bersama sijil MRTA dan paling penting adalah surat "Release Letter" dari bank yang mengakui hutang bank telah langsai.

Pengalaman di Maybank pula beberapa minggu yang lepas, adalah lebih mudah.

Setiap penama hutang perlu datang ke bank dan bawa IC untuk dapatkan thumbprint. Jika suami isteri maka kedua2 pihak perlu datang sekali.

Boleh gunakan apps untuk semak baki hutang dan boleh langsaikan hutang terus di hadapan Financial Consultant menggunakan MAE apps.

Sama juga seperti MBSB, ada borang yang perlu di isi dan jika tiada nama peguam maka boleh guna khidmat peguam Maybank untuk discharge of charge.

Kemudian pegi ke kaunter untuk dapatkan thumbprint dan proses dikira selesai dalam satu transaksi dan satu sahaja lawatan ke bank.

Untuk MRTA pula automatik akan dapat refund ke dalam bank akaun kerana Etiqa takaful adalah di bawah Maybank.

Discharge of charge sahaja yang akan mengambil masa sedikit.

Tapi, tiada rush di situ. Yang penting, tiada lagi bayaran bulanan untuk hartanah, kereta dan sebagainya. Syukur Alhamdulillah.

Tips Untuk Berjaya Mendapatkan Scholarship Selepas SPM 2023 coretan Engku Adam

 "Tips on winning a scholarship by Abang Adam untuk adik adik yang bakal menjadi scholars 👏🏻👏🏻👏🏻

Assalamualaikum W.B.T

Saya, Engku Adam, ialah seorang scholar Petronas untuk ke luar negara bagi batch SPM 2023. Saya telah besekolah di SM Imtiaz Yayasan Terengganu Kuala Terengganu dan telah mendapat keputusan cemerlang 11A+, 1A- bagi SPM 2023. Kini, saya sedang menjalani A-levels di Kolej Tuanku Ja'afar dan insyallah akan berangkat ke US atau UK untuk menyambung degree Software Engineering pada tahun 2026 di bawah sponsorship Petronas Education Sponsorship Programme (PESP). Harini saya akan menceritakan perjalanan saya dari awal sampai akhir bagi pelajar SPM 2024 untuk memohon dan mendapatkan biasiswa.

Pada mulanya, lepas mendapat keputusan SPM saya mula membuat research tentang biasiswa dan sponsorhip yang tersedia. Oleh kerana saya mendapat A- dalam subjek Bahasa Melayu, saya tidak layak untuk memohon beberapa biasiswa seperti Khazanah dan Kijang BNM. Walau bagaimanapun, saya masih memohon sebanyak yang munkin biasiswa yang ada dan akhirnya telah memohon 8 iaitu:

1. Petronas (overseas)

2. PNB (overseas)

3. FGV (overseas)

4. YTP-MARA (overseas)

5. JPA-LSPM (local)

6. Yayasan Terengganu (overseas)

7. Yayasan UEM (overseas)

8. JPA KHAS (overseas)

Dan daripada 8 ini, saya telah mendapat tawaran daripada 4 biasiswa iaitu Petronas, PNB, JPA-LSPM dan Yayasan Terengganu. Bagi pelajar SPM 24 yang baru sahaja melabuhkan tirainya, berikut adalah tips & tricks saya untuk memohon dan insyallah mendapat biasiswa yang kita impikan

Peringkat Permohonan:

- sediakan satu folder yang mengandungi segala info penting ketika memohon (IC keluarga, slip gaji mak ayah, sijil SPM & kokurikulum, alamat penting, dll) supaya ketika memohon, hanya perlu "copy & paste" untuk jimatkan masa dan tenaga

- untuk permohonan yang memerlukan essay, take your time. Buat satu essay yang paling gempak kita pernah buat, jual diri. Bagitahu accomplishments paling hebat kita (pertandingan peringkat antarabangsa, kedudukan kepimpinan). Jangan suruh AI untuk tolong tuliskan, hanya untuk dapatkan idea dan tips. Also, tanya cg English or Grammarly untuk check grammar kita sebelum submit

 Peringkat Interview

- Most interview ialah dalam kumpulan, so be a leader. Lead kumpulan tu untuk solve masalah diberi, bagi cadangan and idea. Keluarkan opinion kamu & cuba convince orang lain tentang opinion kamu. 

- Don't be selfish, also accept opinions from others and implement them into your final product. 

- Don't be bossy, maksudnya jangan arahkan orang lain sangat. Terima pandangan orang and kalau tak setuju, work on getting a solution, not force them into your views

- Don't be a "yes men", maksudnya jangan agree sekiranya taknak agree. Tetapkan pendirian yang teguh, dan kalau ada orang lawan idea kita, find a proper solution, jangan mengalah dengan dia but also jangan terlalu keras dengan dia

- finally, socialise. Orang nk bagi scholarship ni biasanya akan pantau kita dari awal, so kalau kita seorang yanga senyap, chances kita akan low from the get go

Now, some tips for some specific scholarships

Petronas Education Sponsorhip Programme (PESP)

Arguably the best scholarship (definitely not biased🫢), Petronas ni antara provider scholarship terbesar kat Malaysia. Last year Petronas sponsored 600 SPM graduates (400 local, 200 overseas). However, kuota banyak tak semestinya senang Petronas jugak lah yang paling banyak competition dengan orang lain, so do your best. 

PESP ade 3 stages which are:

1. Online application 

2. Online assessment 

3. Physical interview

Online Application:

- For this stage, straight forward je semua sebab tak ada essay. However Petronas hanya bagi upload 1 file untuk sijil, so my tips is to compile semua sijil pencapaian dalam satu PDF and upload PDF tu

Online Assessment:

- Stage seterusnya ni hanya orang yang lepas sahaja dapat. Stage ni akan ade online game yang kita kena finish yang test maths and logical skills kita. Don't cheat, but do your best. BE FOCUS during the assessment and duduk dalam kawasan tak ada kekacauan. Jawab as many questions as possible in the time given, don't panic, stay calm. Remember, everyone is doing the same test so don't panic.

Physical Interview

- Ini lah stage paling penting and paling ramai dia akan filter orang. Ini juga final stage so kalau berjaya stage ni, insyallah dapat tawaran

- Kita akan di interview dalam groups of 4 or 5, and akan diberikan case study. Case study tu ialah satu masalah yang kita as a group kena bincang satu solution yang boleh implement. Dia akan firstly bagi kita masa individually untuk draft ideas atas kertas. Then kita briefly explain our ideas (individually). Then, dia akan bagi masa (30 minit rasanya) untuk kita bincang as a group to come up with one main big idea. 30 minit ni lah yang paling penting sebab dia akan tengok and pantau kita throughout the whole time, how we talk, how we work together, etc. In the end, kita kena present as a group pasal solution kita and finish.

-  Idea kita pastikan logik and down to earth, jangan sahaja fikir pasal kebernasan idea kita, tetapi fikir jugak adakah idea kita senang nak implement in real life? adakah idea kita ni effective? apakah kos terhadap orang yang kita implement? Think like you're in the real world.

- Finally, speak out. Luahkan semua kita nak kata, jangan malu. Biarlah cakap gagap, asalkan cakap banyak. Nampakkan kita ni layak untuk scholarship ini.

PNB Global Scholarship

Another great option for the cream of the cream students. Scholarship ni exclusive sikit (only about ~25 per year) and also banyak lagi stages for application which are:

1. Online application 

2. Online aptitude test

3. Physical assessment centre 

4. Online resilience & critical reasoning test

5. Physical interview @PNB118

And alhamdulillah, saya diterima juga untuk scholarship PNB ni, tapi saya tolak kerana saya terima Petronas. Anyways, here are my tips for this scholarship:

 1 Online application

-  untuk online application, akan ada 2 essay yang perlu kita tulis.  Essay ni simple je, guna tips yang saya bagi pasal essay and just express yourself. Express jugak interests kita tentang course yang kita pilih for degree and bagi bukti (competitions, books, articles)

2) online aptitude test

- ni just basically iq test. Tak banyak kita boleh buat untuk prepare, just boleh buat terbaik time test tu sendiri. Akan ade practice test kalau nak buat. Masa test, bagi ruang yang cukup, dan tempat yang tenang. Focus on the test and jangan tengok masa sangat. Complete as many questions as possible and in between tests, take a break. Finally, relax and chill, insyallah dapat move on next stage.

 3) physical assessment centre

- this stage, kita akan pergi ke assessment centre dia (for me, dekat kelantan paling dekat). During the assessment, dia akan ada banyak games yang kita akan main. Most games are in groups and kita kena bekerjasama dengan baik dengan group mates kita. Dia tak tengok sangat siapa menang or kalah, but rather dia akan focus interaction kita dengan everyone else. Don't be toxic and have fun.

 4) Online resilience & Critical reasoning test

Kalau berjaya sampai stage ni, congratulations sebab ramai dah akan di filter at this point. This stage akan ade 2 test kita akan ambil.

- untuk resilience test, dia lebih kepada test personality kita. Soalan mcm kalau ade kawan kita buat salah, adakah kita akan report. For this one, just be yourself. Jangan nampakkan clear sangat kita menipu on certain questions, and show personality kita

- untuk logical reasoning, akan ade 3 seperate tests yang kita buat : verbal reasoning, inductive reasoning, numerical reasoning. Each one of this is 30 minutes, and akan ade preparation materials.

- my tips is to use all the preparation materials not to practice but to prepare your expectations on what the tests are about. 

- during the test, as always, jauhkan diri dari segala disturbance, keep calm and do your best

5) physical interview @PNB118

- Ini lah last stage untuk PNB scholarship. Kita akan buat interview dalam bangunan paling tinggi di Malaysia, and dia akan filter half of the remaining participants. 

- The interview is about 45 minutes, and interview ni akan diadakan dalam groups of 3 - 4 people. However, kita tak akan ada group activities pun, just personal questions yang akan ditanyakan

- Read about PNB and its subsidiaries (ASNB), sebab dia akan tanya pasal ni. Also, do research on your chosen degree sebab dia akan tanya how with your degree knowledge you will help the company.

- Be prepared for crazy questions. Masa saya buat interview, saya dapat soalan "Why should be not pick you". Pelik kan? biasanya soalan why should we pick you, tapi ni why should we not pick you. Kita tak boleh jawab you should pick me, kita mesti la bagi jawapan kepada soalan dia tu, so be prepared

And that is it. Alhamdulillah, banyakkan doa. Usaha kita SPM dah banyak, tapi perjuangan kita tak habis lagi. Dapatkan biasiswa ni bukan sahaja tiket kita ke overseas, tapi juga peluang kita untuk tidak membebankan ibu bapa kita untuk sambung belajar. Kita juga akan dapat chances yang lebih tinggi nanti nak cari kerja.

 That's all from me, good luck!"

Tips IbuBapa MRSM KKB MRSM Terbaik SPM 2024

Dua hari lepas, 24hb April 2025, keputusan SPM 2024 keluar secara rasmi.

Tumpang bangga bila tengok MRSM KKB ranking no1 untuk MRSM. Sebab anak no2 dulu sekolah sini.

Hari ni pulak, mesej ni dah viral di whatsapp. Dari pagi sampai petang ada orang share.

Tak tau la siapa yang tulis, tak dapat nak bagi kredit.

Cuma save di sini dulu untuk rujukan masa depan.

"Alhamdulilah, selesai ambil result SPM. Tahniah MRSM KKB hampir 50% pelajar semua straight A dan carta no 1 SPM di kalangan MRSM.

Tadi duduk dengan TPKA Madam Nurin.  Kami berterima kasih sebab effort pengetua dan guru yang sangat luar biasa. Di luar waktu kerja dan penuh ikhlas dan perhatian.

Tapi yang terbaliknya, Madam kata ini semua sebab parent.

“Satu perkara saya belajar dari Parent Batch Avveroes ni adalah mereka sangat suka bersedekah dan memberi. Saya belajar untuk diri saya sebagai parent juga.”

Sedikit pelik sehingga cikgu terang lebih lagi

- Parent kumpul dana Akademik dari awal dan bagi ke sekolah. Terus tanya sekolah, program apa yang sekolah rancang.

- ⁠ Sekolah pula ada perancangan tapi selalu masalah kekangan dana, bila parent sokong, mudah sangat nak jalankan.

- ⁠Ada dana, cikgu dapat print soalan/nota tambahan dengan mudah, fotostat di luar dengan kualiti kertas dan print yang bagus. Tak perlu cikgu keluar duit poket mereka.

- Cuti sekolah duit dana guna untuk tusyen online tambahan dari guru pakar subjek sekolah luar. Kerja parent pastikan anak masuk kelas online masa cuti sekolah. ⁠

- ⁠Bila anak anak stress belajar, duit dana bantu anak berehat/makan/ riadah tanpa bebankan poket guru. Cikgu bawa anak keluar dengan gembira.

- Hujung minggu bagi cikgu berehat dan masa dengan keluarga, duit dana bayar guru pakar untuk tusyen tambahan. Kalau guru nak mengajar pun ada dana yang bayarkan.⁠

- Akhir sekali cikgu kata, parent batch ni selalu belanja makan dan bagi hadiah. Yang terakhir kutipan wang untuk hadiahkan  set cormforter sampaikan guard dan cleaner sekolah pun dapat. 

- ⁠Lepas dapat, ramai ramai guru dan pekerja sekolah doakan batch ini jadi no 1. 

- ⁠Cikgu semua gembira dan sentiasa doakan anak anak batch ni. Madam Nurin kata kita tak tahu doa siapa yang Allah makbulkan. ⁠

Alhamdulilah, seingat kami tak banyak pun sumbangan ibu bapa, hanya rm50 sebulan sejak Mac selama 8 bulan bagi yang mampu.

Mula2 ke akaun parent, kemudian buka persatuan dan ke akaun persatuan. 

Ada dana INFAK juga dibuka setiap jumaat jika ada nak bersedekah. Ada parent mampu bagi lebih, ada bagi RM10 ikut kemampuan. 

Duit Dana ni masih berbaki, semasa ambil result SPM, duit ini bayar pasang khemah, 3 kambing golek, satay dan menu raya raikan guru dan pelajar.

Habis SPM, persatuan ini dicadangkan untuk diberi kepada anak anak sebagai tabung kebajikan batch mereka, in case ada bencana dan kesusahan. Ajar anak terus memberi. 

Kesimpulan, gabungan pengetua Ayahanda kami yang sangat prihatin dan terbuka, doa dan usaha guru yang ikhlas dan ibu bapa prihatin antara punca kejayaan kali ini. Dari GPS 2.19 naik ke 1.26 dalam masa 2 tahun.

Konflik, terasa hati, merajuk kalangan parent isu biasa tapi bila letak kepentingan anak di depan melebihi ego dan kepentingan ibu bapa, alhamdulilah, banyak berdamai.

Paling best tengok senyuman guru, ibu bapa dan anak anak semalam. Penuh syukur dan gembira.

Semoga formula sama dapat bantu sekolah lain dan menyokong guru dan sekolah dengan lebih baik. 

Nota di atas dari pemerhatian ibu mrsmkkb yang tak aktif. Semoga bermanfaat.

#learnearnandgive"

Belajar Jual Beli Saham

 Alhamdulillah, akhirnya ada peluang menulis sedikit tentang kemahiran jual beli saham.

Bermula lebih-kurang bulan Mei 2023 atau hampir setahun 4-5 bulan yang lepas, pertama kali saya memohon saham IPO Cloudpoint. 

Masa tu memang tak pernah jual beli saham walaupun dah lama minat dan berniat nak berkecimpung dalam bidang ni.

Masa belajar MBA tahun sekitar 2011-2015 (lambat grad, defer 2 kali sebab pegi haji dan juga melahirkan anak ke-empat), untuk subjek elektif memang pilih "financial statement analysis" sebab niat nak gunakan ilmu itu untuk jual beli saham tetapi belum kesampaian sehingga lah sedekad kemudian, insya Allah.

Pertama kali saya memohon IPO menggunakan maybank, tidak berjaya. Dan sehingga hari ini, dah hampuir 30 kali memohom saham IPO menggunakan sistem yang sama tetapi hanya berjaya 8-9 atau 1/3 sahaja. Rezeki Allah yang bagi.

Kelebihan IPO adalah, untuk kebanyakkan IPO, harga akan naik pada hari pertama didagangkan di Bursa Malaysia. Maka ada peluang cerah untuk ambil keuntungan.

Kekurangannya pula, pembelian atau peruntukkan IPO adalah berdasarkan cabutan atau 'ballot'. Lagi ramai pemohon, makin rendah la kebarangkalian/probability untuk membeli saham yang diidamkan itu.

Maka, setelah beberapa kali berjaya membeli IPO melalui proses 'ballot', saya mula faham betapa "mudahnya" mendapat keuntungan melalui jual beli saham berbanding mana2 pelaburan yang pernah saya lakukan sebelum ini, contohnya pelaburan hartanah, pelaburan unit trust, amanah saham, dan pulangan juga adalah paling tinggi berbanding semua jenis pelaburan yang lain. Cuma kena faham, high risk comes with high returns atau risiko yang tinggi datang dengan pulangan yang tinggi. Setiap yang bergelar guru atau berpengalaman jual beli saham akan menceritakan perihal 'rugi' dalam jual beli saham. Rugi itu adalah sesuatu kemestian yang pasti berlaku seperti seorang bayi yang belajar berjalan pasti akan terjatuh dan bangkit semula.

Saya pun mula mendengar perkongsian daripada beberapa individu di Youtube, yang dua saya share ni, "Trading with KS" dan "Kelas Saham Percuma" ada share video hampir atau setiap hari berkaitan pasaran saham Malaysia terkini. 

Weekly KLSE BURSA Review - 15-9-2024 💥CONSTRUCTION SECTOR CAN REBOUND?💥 GAMUDA IJM JAKS KERJAYA (youtube.com)

Post Mortem Bursa Malaysia Jumaat 13 September 2024 (youtube.com)

Ada juga banyak video di Youtube yang lain yang bermanfaat tetapi setakat ni, saya jumpa dua ni sahaja yang bercakap tentang ulasan pasaran saham terkini/relevan sekarang.

Pada masa yang sama, saya mengikuti kelas online yang boleh saya kongsikan tajuk2 kelas sebagai rujukan sejak akhir Mei 2024 sehingga hari ini (15hb September 2024):

1) 10 important indicators

2) Fibonacci and tools

3) Elliot wave, basic

4) Chart pattern, basic and advanced (Quasimodo)

5) Harmonic pattern, basic

6) SNR (Support and resistance) Vs SND (Supply and demand)

7) EPS, PE Ratio, ROE, NAV, Dividend yield (Fundamental analysis)

8) Kelas Review Kaunter Saham

9) Kelas Saham Ultra Trader

10) Tips Kenal Pasti Lebih Awal Kaunter Nak Junam 

Pada awal bulan September 2024, saya mula jual beli saham di Bursa Malaysia secara 'simulation' atau simulasi.

Saya memilih trading plan dan kemudiannya 'execute' atau buat pembelian dan penjualan mengikut harga semasa tetapi tidak menggunakan wang lagi. Setakat nak cuba dahulu tanpa menggunakan wang yang betul, dan semua transaksi saya rekodkan seolah-olah proses jual beli yang sebenar.

Jika strategi ini berjaya memberikan results atau hasil yang baik, maka insya Allah saya akan mulakan jual beli saham yang sebenar.

Is short selling permissible in Islam (Shariah Compliant)

 1. yes permissible. 

2. Explaination : Short selling involves selling shares that the seller does not own, which is generally prohibited due to bai madum (selling what one does not possess) and the element of gharar (uncertainty). However, in Regulated Short Selling (RSS), the inclusion of Share Borrowing and Lending (SBL) principles addresses the issue of gharar by increasing the probability of delivering the sold shares, making the transaction Shariah-compliant. The Shariah Advisory Council (SAC) applies the concept of istihsan (juristic preference) with maslahah (public interest) and `urf (customary practice) to justify the permissibility of selling borrowed shares. This ruling benefits the original shareholders and enhances market liquidity. Furthermore, the ijarah (leasing) concept, with the owner's consent to sell leased shares, is accepted in Islamic capital markets. Normally, selling an asset terminates an ijarah contract, but in the context of SBL, the contract remains valid due to similarities between SBL and ijarah in several aspects.

3. Legal Maxim : “When an issue that impedes (the permissibility) is removed, then the activity which was initially forbidden becomes permissible”

4. Asas : Al-Syatibi defined istihsan based on the Maliki Mazhab as accepting maslahah (public interests) that has juz’ie. (Mazhab Maliki).

5. reference : SAC resolution 2019 - page 71 - 74

Thank you Mimi for the answer and explanation.

Free Palestine; The Current Situation in Palestine October 2023

 Alhamdulillah, another day to blog.

This post was shared in one of many facebook groups by Denny Cormier. This is where I first read it and I have to save it here for reference.

It is a well summarised account of how things are by E Andrew Maddox.

I love this quote: Never forget that it is the occupier who is responsible for the nature of the resistance they face.

E Andrew Maddox

eoSdotnsrpM842f:63crh 0t3olPgl74ga 2 c9O1a63139ta9mbm e70g99  · 

"On the current situation in Palestine-Israel:

If you are my friend, or even just an acquaintance seeing this post, then I ask that you take 10 minutes to read my reflections on the current situation in Israel-Palestine. Those who know me probably know that I lived in the West Bank as a grad student, that I spent time in Gaza, and that I have devoted years of my life to trying to communicate past the indifference to human suffering that is manufactured by Western media. Some of you may also know that I used to be a Christian Zionist, and that I was an ardent and unquestioning supporter of Israel, until I saw the reality for myself. I was not an easy convert, but if you keep reading I think you will understand why I had no choice but to reconsider my positions if I wanted to claim any sort of integrity or legitimate moral compass.

My friends, colleagues, and former students in Gaza are currently locked inside a prison, in darkness, without electricity or access to clean water or food. Imagine all of the bombing that you are seeing on TV right now, and imagine living under it having no idea what is coming next, having no place to run to, and knowing that the world doesn't care if you live or die. That is the reality for two million people in Gaza right now.

Some harsh truths concerning the current violence in Israel Palestine:

First, Israel has never been a democracy for non-Jews. Period.

Forty percent of Palestinian men spend time in Israeli jails, often without charge. Palestinian men, women, and children are murdered by Israeli settlers and soldiers on a daily basis, with total impunity. Israeli politicians, from the founding of Israel right up to today, have openly called for the genocide of Palestinians, and are carrying it out in slow motion.

We are hearing a lot about Hamas' forces kidnapping Israelis (many of whom are Israeli military personnel and fair game under the laws of war, but plenty of whom appear to be unarmed Israeli civilians as well). So let's pull back and look at both sides of this issue. Palestinian children are kidnapped regularly by Israeli forces, and imprisoned, often for months or years, for nothing. The press just doesn't call it "kidnapping" because the Israeli terrorists wear uniforms and hide behind a complete sham of a legal system. I have personally visited Palestinian kids, 15-year-olds, recovering in the hospital in Nablus after being shot through the legs for throwing rocks at an Israeli military jeep tearing through the streets of their own town, where Israel has no business being. Also consider that every Palestinian adult who has been held without due process (and there are countless thousands) are also kidnapping victims and hostages. Many are using hunger strikes that last months to bring attention to the plight of their people. We rarely hear about this in the Western media.

now let's talk about this word "barbarity", troubling term that keeps getting used to describe the actions of Palestinian forces over the last two days. Let's again pull back and consider the line where military tactics become unjustifiable, that is when they go beyond the bounds of what is an acceptable standard for the rules of engagement in armed conflict. Consider that every single day for the past 56 years Palestinians have been the victims of a nonstop war crime in the form of Israel's settlements and illegal military occupation. That's just the normalized baseline of awful that Palestinians have woken up to every day for over a half century. Next, for the past 16 years Israel has held 2 million Palestinians under a siege in Gaza (an entire generation knows nothing but life under these conditions), making it the largest concentration camp in history. Israel has been called out for Apartheid by Human Rights Watch, Amnesty International, and by Israel's own premier human rights groups. These egregious violations of the 4th Geneva Convention are just the tip of the iceberg in cataloging Israel's war crimes, which include collective punishment, lack of due process, extrajudicial killing, disproportionate force, torture, starvation, systematic carceral child abuse, pogroms, incitement to genocide, targeting civilian areas, forced deportations, house demolitions, etc.

Those who are horrified by the sight of Israelis being attacked in their own communities? Consider that this is a daily occurrence for Palestinians. It's well documented, with plenty of video evidence. It just gets ignored by most Western media outlets. Also note that Israelis in the towns and settlements bordering Gaza have in recent years set up lawn chairs and hosted BBQs as they watch and cheer Israeli fighter jets bombing civilians in Gaza, in massacre after massacre going back more than a decade. Consider that the residents of these Israeli towns, attacked by Palestinian forces this past weekend, all live in the shadow of this massive concentration camp called Gaza, like the Germans who lived next to the extermination camps and who later tried to pretend they knew nothing about what was happening to the Jews inside. They didn't want to know. They had the privilege of ignoring the truth in front of them. Their shameful silence and complicity were exposed by people with guns, by the "liberators" of the camps, who then rounded those Germans up and forced them to confront the reality, bury the bodies, and own the lies that they had told to themselves and to their children. Are there innocent Israelis caught up in all of this? Of course there are. But there are plenty of Israelis who never fired a bullet but who are complicit in this modern crime against humanity.

Palestinians would surely prefer that they did not have to resist. Nobody wants to risk their lives simply demanding to be treated as a human being. But Palestinians did not choose their conditions. Israel did that, for decades, without mercy. Concerning the tactics, if Palestinians had access to guided "surgical" munitions, an air force, and a navy, they would surely use them to wage a more precise and sophisticated war. As it is, they are left to build rockets out of plumbing parts and out of the scraps from the Israeli bombs that are dropped on them. Take that in. Their rockets are quite literally refurbished Israeli bombs that are then fired back at the very nation that dropped them. You don't hear that part in the news about "rocket attacks".

But Palestinians "target civilian areas", you say? So does Israel, and with far deadlier results. But they use "human shields by placing their military installations in civilian areas", you say? The headquarters of the IDF is in the middle of Tel Aviv, and soldiers are embedded in settlements and communities all over Israel.

But what of "Israel's right to exist"?

Every time a single rocket is fired from Gaza, US politicians read from the the AIPAC script, like dears caught in the headlights, affirming that "Israel has the right to exist and to defend itself". But this all begs the question. Is any of this actually self defense? Or is Israel simply fighting for the right to keep acting like a criminal? Who is checking to hold them accountable? Do Palestinians have existential rights? As Israel is constituted it's clear that Palestinians quite plainly do not have the right to exist. All Palestinian efforts to defend themselves are dismissed as the actions of "terrorists". Does that really pass your stink test? Is it really plausible that Palestinians are just evil 100% of the time? Yet try to think of an instance where you have ever heard a Western press outlet mention a single act of justifiable self defense by Palestinians. Just one.

Palestinian self-defense, as a concept, is also not allowed to exist.

So no, in point of fact, and the facts are many, Israel does not have the right to exist. No fascistic terror-state that has been directly inspired by the principles of white supremacy has such a right. Have I gone too far in questioning this sacred right? Am I now an "Antisemite" "calling for the destruction of Israel"?

Consider that many criminal states did not have the right to exist. The Third Reich did not have the right to exist. The Khmer Rouge did not have the right to exist. Apartheid South Africa did not have the right to exist. Not all national projects are legitimate. Some evil projects need to end and be replaced with something that is compatible with peace and justice. Zionism provides no room for either of those things, by it's very design and ambitions and charters. Please read the Likud party charter sometime (hint, it says there should never be a Palestinian state in the West Bank). But don't mistake me for excusing the Israeli Labor party either. The entire Israeli political system is built upon a foundation of ethnic supremacy, colonization, and extermination.

What's more, many groups have suffered and don't have a nation state. Native Americans have inflicted no harm on anyone, suffered repeated genocides for centuries at the hands of the world's preeminent colonial empire, the US, and I don't hear too many people petitioning for their divine right to full sovereignty (though I would certainly welcome it). I'd say that their suffering is at least on par with the tribulations faced by the Jewish people, and their actions and their ideologies raise far fewer concerns than the supporters of the Zionist project in Israel. Yes, the Jewish people have suffered tremendously throughout history and I have no patience for anyone who would attempt to deny or to minimize this fact, but no, Jewish suffering does not come with unique entitlements. Suffering does not entitle anyone to a state if it comes at the cost of inflicting suffering and terror on others. And quite frankly, Germany is responsible for the Holocaust, not the Palestinians.

If you visit the Israeli Holocaust Memorial at Yad Vashem in Tel Aviv, when you walk out of the exit you are very deliberately guided to an amazing vista of the Israeli countryside, with no indication that those trees cover up the ruins of a Palestinian village that was ethnically cleansed by Jewish gangs in 1948. Not much further away is the site of the Deir Yassin Massacre, which took place in the same year.

Well before the Holocaust Israel's first and most ardent non-Jewish supporters (Lord Balfour among them) were deeply Antisemitic. They didn't see Palestine/Israel as a safe haven for Jews so much as a receptacle in which they could deposit and be rid of them. And we don't talk about how poorly Holocaust survivors were treated by other Jews when they first arrived to Palestine after the war, or how Arab Jews were treated by Ashkenazi Jews in those early days, or how Ethiopian Jews are treated now. Israel was born with its own master race ideology too, prioritizing the image of a more physically robust yet strictly European Jewish identity. And the parallels don't stop there. Israel has its own version of "lebensraum" as well, which its quite mainstream political proponents refer to as "Eretz Yisrael". The currents of racism and fascism in Zionism are so potent that they have always extended to other Jews as well, and Zionists have always viewed their environs as a unique ethnic entitlement. Even now, Israel's far right is trying to narrow the very definition of what it means to be a Jew and to eliminate the rights of secular Jews. African Jews conspicuously hold the lowest paying professions, something I noticed routinely during my time there. That's before we get to how non-Jewish African migrants are treated in Israel. They have their own ghettoes (familiarize yourselves with the origin of the word "ghetto" for even more perverse irony).

In 1948, just 3 years after the Holocaust, Albert Einstein, Hannah Arendt, and a veritable who's who of American Jewish intellectuals and community leaders signed an open letter to the New York Times, calling out the troubling currents of Fascism in Israeli politics. That was the first year of Israel's existence. The contemporary New York Times probably wouldn't even publish that letter now, as it's devolved to little more than a shameless mouthpiece for pro-Israel talking points, going back decades.

And finally, Israel's disingenuous misuse and abuse of the Holocaust and Antisemitism make Jews less safe by cheapening the weight of those terms. It's an insult to all who have survived or perished by acts of genocide to use such events as a smokescreen to distract from war crimes.

End Israel's illegal military occupation and end its Apartheid regime. Those are the roots of all of the violence that we are seeing now. That is where we should place the blame for Palestinian oppression and suffering and for the extreme actions Palestinians have taken in response to it. It all traces back to those crimes against humanity. If you care about the Jewish people then boycott Israel and hold it to account until it stops conflating and distorting Jewish identity with Zionism, with settler colonialism, and with Apartheid. Those things have nothing to do with Judaism or with Jewishness.

Free Palestine! And free Israelis from the burden of maintaining their hateful and unjust system. There can and truly should be one state for all. No matter what the nay sayers say, far crazier aspirations have been realized in the pursuit of a just peace. There are plenty of functional democracies built on far shakier ground. When we look at how the US came into existence, the evils that we've perpetrated and had to contend with, our bloody civil war, our institutionalized oppression of so many different groups, the fact that most people within our borders could not even vote for most of our history, and the evils that we have yet to address, I see American democracy as a far more unlikely miracle than a one state solution for Palestinians and Israelis".

And below is another good summary by Al Jazeera:

https://www.aljazeera.com/news/2023/10/9/whats-the-israel-palestine-conflict-about-a-simple-guide