Tuesday, December 18, 2007

Fundamental course on making money online

I conduct a three hours fundamental course on making money online at your location. My rate is $100 for a block of 3 hours. The topics covered:-


1. What is netweb marketing?

2. Learn how you can make money online using these methods:-

a. pay-per-click

b. pay-per-post

c. pay-per-lead

d. post articles for money

e. post video and get paid

f. affiliate marketing

g. adsense - be a webmaster/publisher and get paid

h. sell items via the internet - through your own website, eBay, e-classified, forums

i. build your list through social website e.g. friendster, multiply, myspace etc.

j. traffic generation - buy leads, superstars/celebrities endorsement,

k. open a paypal and clickbank account

You will be coach to success and you will get email support for free during the next three months after your training.

For more information and bookings for classes, email me at lukman@megnideas.com or call 91236707

To your success and financial freedom,

Lukman Yusoff Bin Osman

http://www.internet4success.com

© MEG ‘N’ IDEAS 2007

Friday, December 14, 2007

The Meaning of the Basmallah

21722: The meaning of the Basmalah, and the ruling on staring with it when one 
reads Qur'aan

Question:

What is the meaning of the Basmalah [the Arabic words Bismillaah il-Rahmaan
il-Raheem (In the name of Allaah, the Most Gracious, the Most Merciful)]?

And what is meant by the words "Iqra' bismi Rabbika" (Read (or recite) in the
name of your Lord _ [al-`Alaq 96:1 _ interpretation of the meaning])?


Answer:

Praise be to Allaah.

When one says "Bismillaah" when starting to do anything, what that means is, "I
start this action accompanied by the name of Allaah or seeking help through the
name of Allaah, seeking blessing thereby. Allaah is God, the beloved and
worshipped, to Whom hearts turn in love, veneration and obedience (worship). He
is al-Rahmaan (the Most Gracious) Whose attribute is vast mercy; and al-Raheem
(the Most Merciful) Who causes that mercy to reach His creation.

It was said that what this means is: I start this action by mentioning the name
of Allaah. Ibn Jareer (may Allaah have mercy on him) said: "Allaaah, may He be
exalted and His name sanctified, taught His Prophet Muhammad (peace and
blessings of Allaah be upon him) proper manners by teaching him to mention His
most beautiful names before all his actions. He commanded him to mention these
attributes before starting to do anything, and made what He taught him a way for
all people to follow before starting anything, words to be written at the
beginning of their letters and books. The apparent meaning of these words
indicates exactly what is meant by them, and it does not need to be spelled
out."

There is something omitted in the phrase "Bismillaah" when it said before
starting to do something, which may be "I begin my action in the name of
Allaah," such as saying, "In the name of Allaah I read", "In the name of Allaah
I write", "In the name of Allaah I ride", and so on. Or, "My starting is in the
name of Allaah", "My riding is in the name of Allaah", "My reading is in the
name of Allaah", and so on. It may be that blessing comes by saying the name of
Allaah first, and that also conveys the meaning of starting only in the name of
Allaah and not in the name of anyone else.

The name of Allaah is the greatest name and is so well known as to need no
explanation; this is a name that belongs exclusively to the Creator and no one
else. The correct view is that it is derived from the root aliha. He is God
(ilaah) which means that He is worshipped and is divine.

Al-Rahmaan is one of the names of Allaah that belong exclusively to Him. It
means the One Who possesses vast mercy, because this form (fa'laan) is
indicative of fullness and abundance. It is the most exclusive name of Allaah
after His name Allaah, just as mercy is His most exclusive attribute. Hence this
name (al-Rahmaan) often appears after the name Allaah, as in the aayah
(interpretation of the meaning):

"Say (O Muhammad): Invoke Allaah or invoke the Most Gracious [al-Rahmaan]
(Allaah)" [al-Isra' 17:110]

Al-Raheem is also one of the names of Allaah, and means the One Who causes His
mercy to reach those whom He wills among His slaves.

Ibn al-Qayyim (may Allaah have mercy on him) said: "Al-Rahmaan refers to an
attribute that is connected to Allaah and is part of His Essence, and al-Raheem
refers to a connection with the one to whom mercy is shown. The former is
adjectival (referring to what He is) and the latter is verbal (referring to what
He does). The former indicates that mercy is His attribute, and the latter
indicates that He bestows His mercy upon His creation. If you want to understand
this then ponder the meaning of these verses (interpretation of the meanings):

"And He is Ever Most Merciful (Raheem) to the believers"[al-Ahzaab 33:43]

"Certainly, He is unto them full of kindness, Most Merciful (Raheem)" [al-Tawbah
9:117]

The word al-Rahmaan is never used in this context. So we know that the word
Rahmaan means the One Whose attribute is mercy (rahmah), and al-Raheem is the
One Who bestows His mercy."

(Badaa'i' al-Fawaa'id, 1/24).

Secondly:

The ruling on saying the Basmalah before reading Qur'aan depends on the
situation:

1 _ If it is at the beginning of a soorah _ apart from Soorat Baraa'ah
(al-Tawbah) _ then the majority of imams have stated that "it is mustahabb to
recite the Basmalah at the beginning of each soorah, in prayer or otherwise.
This should be done as a regular practice, and some of them considered that a
reading of the whole Qur'aan is incomplete if the Basmalah was not recited at
the beginning of every soorah apart from Baraa'ah (al-Tawbah)." When Imam Ahmad
(may Allaah have mercy on him) was asked about reciting it at the beginning of
every soorah, he said, "Do not neglect it."

2 _ If one is starting in the middle of a soorah _ which is the case asked about
in the question _ then the majority of scholars and Qur'aan readers say that
there is no reason why one should not start with it. It was said to Imam Ahmad,
after he had said that it should not be omitted at the beginning of the soorah,
"What if a person starts reading partway through a soorah?" He said, "There is
nothing wrong [with saying the Basmalah]." Al-`Abaadi narrated that al-Shaafa'i
(may Allaah have mercy on him) regarded it as mustahabb (to say the Basmalah,
when starting to recite) partway through a soorah.

The Qur'aan readers said: It is certain that one should say the Basmalah if the
aayah which will be read after saying it contains a pronoun that refers to
Allaah, such as the verses (interpretation of the meanings):

"To Him (Alone) is referred the knowledge of the Hour"

[Fussilat 41:47]

"And it is He Who produces gardens"

[al-An'aam 6:141]

because otherwise, if one recites these verses after seeking refuge with Allaah
from the Shaytaan, the pronoun may appear to refer to the Shaytaan which would
convey an abhorrent meaning.

3 _ Reciting the Basmalah at the beginning of Soorat Baraa'ah (al-Tawbah); there
is hardly any dispute among the scholars that doing this is makrooh (disliked).

Saalih said concerning some issues that he narrated from his father Ahmad (may
Allaah have mercy on him): "I asked him about Soorat al-Anfaal and Soorat
al-Tawbah, whether it is permissible for a man to separate them by saying
Bismillaah il-Rahmaan il-Raheem. My father said: `With regard to the Qur'aan,
reference should be made to what the companions of the Messenger of Allaah
(peace and blessings of Allaah be upon him) were agreed on; nothing should be
added to or taken away from that.'"

4 _ Reciting it partway through Soorat al-Baraa'ah (al-Tawbah). The Qur'aan
readers differed concerning that, as was narrated by Ibn Hajar al-Haythami in
al-Fataawa al-Fiqhiyyah (1/52), and he said: "Among the leading Qur'aan readers,
al-Sakhaawi said that there is no dispute that it is Sunnah to start with the
Basmalah when one starts reading partway through this soorah [al-Tawbah], as he
differentiated between starting at the beginning and starting in the middle, but
his explanation was facile and was refuted by al-Ja'bari from among the Qur'aan
readers. This is more likely (i.e., the view that it is makrooh is more likely
to be correct), because the reason why the Basmalah should not be recited at the
beginning (of al-Tawbah) is that it came with the sword (i.e., the command to
fight the kuffaar) and it exposes the hypocrites and their foul deeds in a
manner that is not unlike any other soorah, and this theme is repeated
throughout Soorat al-Tawbah. Therefore it is not prescribed to recite the
Basmalah even if one starts reciting partway through this soorah, just as it is
not prescribed at the beginning, for the reasons we have established."

See al-Adaab al-Shar'iyyah by Ibn Muflih, 2/325; al-Mawsoo'ah al-Fiqhiyyah,
13/253; al-Fataawa al-Fiqhiyyah al-Kubra, 1/52

Thirdly:

With regard to the meaning of the words, "Iqra' bismi Rabbika" (Read (or recite)
in the name of your Lord _ [al-`Alaq 96:1 _ interpretation of the meaning]),
Imam Ibn Jareer (may Allaah have mercy on him) said: "The interpretation of the
words `Iqra' bismi Rabbika' is that they were addressed to Muhammad (peace and
blessings of Allaah be upon him), in other words, Read, O Muhammad, by
mentioning the name of your Lord (Who created)."

And Allaah knows best.

-----

Monday, August 27, 2007

Financial Planning Tips

Financial Planning Tips

How much should I save for my retirement?

You should save 10% to 15% of your regular earnings for your retirement. This is separate from your savings to pay for the purchase of your home or your children's needs.
You can count your savings in the Central Provident Fund (excluding the portion used to pay your home loan or set aside for medical expenses) as part of this savings.
If your net saving in the Central Provident Fund is inadequate, you should make additional savings for your retirement. Most people try to save at least 10% of their regular savings, in addition to their Central Provident Fund savings.

How much life insurance do I need?

If you have dependents, you should have life insurance for 5 to 10 years of your earnings. If you earn $30,000 a year, you should have life insurance for $150,000 or more.
It is better to buy a decreasing term assurance. At age 30, you can buy a 30 year decreasing term assurance for $150,000 for only $165 a year (male) or $115 a year (female). This insurance covers you for $150,000 during the first year and reduces by $5,000 in each subsequent year.
After 30 years, you will probably have accumulated sufficient savings to take care of your family or your own future needs. By that time, life insurance is not necessary.
If you buy a level term assurance to cover $150,000 for 30 years (i.e. the insurance does not reduce), the premium is $280 a year (male) or $195 a year (female).

How should I invest my savings?

You should invest in your savings in a large, well diversified, equity fund. An equity fund can give you a higher return compared to other types of investments, such as bonds or cash.
By investing in a diversifed fund, you reduces the risk of loss from a few bad investments. As the other investments may perform better, the average return for the fund should follow the market.
You should also invest for the long term, i.e. for 10 years or more. The investments will perform very well in some years (e.g. give a return more than 15%) and may perform badly in other years (e.g a negative return). By investing for many years, you will average out the good and bad years.
Over the past 20 years, the global equity market earned an average return of 10 percent per annum. In the future, the return may be more lower, say 6% to 8% per annum, but it is still very attractive.
You should also choose a fund that have a low upfront fee and a low annual fee. This allows you to keep most of the market gains. You should not allow the fund manager or the financial adviser to charge high fees, as they have to be paid from your investment gains.
If you invest in a fund that have low fees, compared to a fund with high fees, the difference in the your return can be as much as 20 percent over a period of 30 years.
NTUC Income offers several large, well diversified funds with probably the lowest fee in the market. You can choose an equity fund or a combined fund (i.e. equity and bond).

Should I buy a whole life or endowment policy?

An endowment or whole life policy provides the protection and savings in a bundled product. It gives a modest net return of about 3% to 4% per annum. It is inflexible, and requires you to pay the premium regularly over the duration of the policy.
Many people prefer a more flexible plan and earn a higher return.
You now have the option to buy a low cost term insurance to cover your protection needs and to invest your savings in an investment fund. You have flexibilty to change your savings and to make withdrawals, without penalty. You can also change the investment fund.

What age should I retire?

You should work for about 40 years, so that you can accumulate sufficient savings to meet your financial needs during the next 15 to 20 years of your life. Most people start work around age 25. They should aim to retire at around age 65.
If you save 10% of your earnings and invest wisely, you should have sufficient savings for a basic lifestyle. You should save 15% of your earnings, if you aim to have a more comfortable lifestyle during retirement.
At the time of retirement, you should have accumulated savings representing 6 to 10 years of your earnings, plus a fully paid home. If your annual earning is $50,000, you should have accumulated savings of at least $300,000.
If your accumualted savings is inadequate, you should work a few years longer. If you have to retire earlier, you should accept a more modest lifestyle.
It is better to save a larger portion of your earnings, if you can. Do not spend too much on your home, car or other expensive items.

Where can I get financial advice?

You can also talk to me, your financial consultant, who can visit you at your home. The financial advice is FREE. My contact is 93363561 or +60167591153. I can be reached via email at z530703@income.com.sg or luke2409@yahoo.com

Monday, August 13, 2007

Internet Cash Machines

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Blk 68 Geylang Bahru #15-3213
Singapore 330068
+65 9336 3561

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