ANALISA KRISIS DALAM PENDAMIK

Suasana cukup sayu sekarang ni..

Ekonomi sedang teruk digasak oleh tekanan ancaman kesihatan kerana covid 19.

Gandingan yang cukup mengerikan. Tak pernah lagi dalam memori sejarah negara kita diserang 2 army dalam satu masa.

The invincible army dan recession army.

Tadi dapat info desas desus bakal diadakan PKP Total Lockdown bakal diadakan minggu depan jika keadaan tidak berjaya distabilkan.

Bagi mereka yang dah dapat signal ini semenjak awal tahun lepas. Dah mula menyusun langkah untuk kemaskan kewangan kerana boleh nampak, ianya bukanlah satu pandemik yang bersifat jangka pendek kesannya.

Teringat sewaktu video suara saya viral satu masa dulu tentang “Moratorium is just a word, jangan buat panic buying, start buat panic saving”

Dikala masih awal pandemik dan rakyat masih belum tahu potensi sebenar makhluk tak nampak bernama covid 19 ni.

Bila kita banyak membaca, buat kajian, rujuk artikel dan penuisan ekonomi, maka banyak lah input yang kita dapat dan boleh rumuskan.

Namun rata2 yang saya terima ketika itu ialah kecaman, tomahan dan ejekan pasal cuba timbulkan panik suruh orang menyimpan.

“macam mana ekonomi nak bergerak bro kalau semua simpan?”
Duit aku, aku punya hal lah.
Ini gila, orang nak pakai duit skang, dia suh simpan pulak!

Hmmmphhhh…. Saya baca je dengan penuh tenang dan takde selera nak balas pun. Maybe mereka tak nampak apa yang kita nampak.

Adalah yang saya balas sikit je,

Saving = Jimat Cermat (bukan sahaja bermaksud simpan)

Nanti bila dah nampak iaitu sekarang, barulah tahu kenapa kempen tersebut di mulakan.

Pertahanan ekonomi paling kuat seorang individu ialah simpanannya ketika ini..

Kenapa kita tengok ada setengah orang nampak tenang dan steady je lalu masa sekarang yang cukup mengerikan kewangan, kerana mereka punyai simpanan yang solid.

Dikala perlu, tabung simpanan yang di”lupa”kan selama ini diseru kembali untuk topup dan bantu mana yang tiris.

Strategi saya, tahun lepas saya jual @ liquidate beberapa property saya masa ekonomi belum turun lagi.

Kerana hasil kajian saya, jika pandemik ini tak selesai, maka akan ada impak kepada:

  1. Market sewaan.
    Sewaan shoplot, hometay, sublet akan terasa sangat kerana norma dan limitasi baru ini.
  2. Purchasing power
    Kuasa membeli akan lemah kerana nak cover keperluan lain, jadi hasil untung jual rumah boleh jadi “panic button reserve” saya bila diperlukan.
  3. Holding power
    Ramai individu household akan mula terkesan dan akan rasa tak dapat bertahan dengan suasana semasa. Jadi memilih untuk survive dulu dari bayar loan rumah.
  4. Keperluan mendesak menjual
    Dalam keadaan sekarang, nak jumpa deal below market value 20% tu normal. Malah 30% pun senang jumpa. Apetah lagi kalu pandai nego, dapat sampai 40% below harga pasaran.

Malah bukan sahaja dipasaran subsale, pemaju pun turut sama dalam gerakan jual below market value ini demi menghabiskan stok inventori yang masih ada.

Tambahan pakej 0 deposit, free stamp duty dan sebagainya dari pemaju, menjadikan pasaran lelong skang tak berapa menarik.

Mana taknya jika kita boleh dapat rumah baru, pada harga lelong semasa, dengan bayaran awal rendah, kan lagi menarik tu.

Bagi para investor, memang tengah best sekarang cari deal2 yang handsome untuk investment.

Kalau rasa xnak terima offer investor, kut mana pun rumah masih akan kena lelong kalau tak boleh bertahan untuk bayar.

Jadi, apa pilihan yang ada dalam suasana macam ni.

Kepada yang dah bersedia, maka tak terasa. Kepada investor yang dah ready modal, memang tengah indah buat pilihan.

Tapi, dari satu sudut lain, sayu perasaan memikirkan mereka yang skang ni satu peringkat buntu terus mencari jalan keluar.

Rakan2 di sektor pelancongan, sme, business besar mahupun kecil, sektor pendidikan, sama2 kita usahakan dan doakan Allah bagi ilham yang terbaik untuk keadaan sekarang ini.

Allah yang mengizinkan dugaan, Maha Suci Allah juga kita mohon berikan idea dan ilham jalan keluarnya.

Tambah lagi, rakan2 saudara mara kita yang kena kesan banjir teruk sebelum ni..

Satu kombinasi dugaan yang cukup hebat yang sesuai dengan kadar keimanannya.

Ekonomi + Pkp + SOP + Banjir + Hilang kerja / bisnes

Satu kombinasi yang tak pernah berlaku dalam sejarah kita.

Sudah tentu ada rahsia dan hikmah BESAR yang Allah sediakan disebalik setiap keizinanNYA untuk berlaku.

Kita, terus tabah dan sabar melalui dan mencarinya.

Sir Erman Taib

IQI iRealty Team

Pendamik vs Krisis Ekonomi

linktr.ee/rahimhartanah

Apabila kewangan bergoncang, 1st strategi fokus kita ialah:

Analisa kedudukan kewangan semasa

Scan dan buat “financial check up” dulu nak tahu keadaan kesihatan kewangan semasa kita.

Bila dah buat checkup, maka kita dapat kenalpasti financial bleeding atau financial damages yang berlaku.

Then kita akan mula mencari ubat kewangan @ “financial remedy” yang sesuai.

2nd strategi,

Kita susun strategi nak fokus sudut mana

Naikkkan Pendapatan atau Kurangkan Belanje @ Hutang.

Baik, malam ni, luangkan masa kita belajar dengan legendary jemputan saya kali ini.

Tuan Zaidi Ismail..asyik jemput dia cite pasal strategi kurangkan hutang je selalu kan, kali ni kita jemput dia share strategi bina pendapatan pulak…

X rugi dengar dan belajar strategi org lain buat duit masa2 penuh cabaran ni..

Lagi best, dengarnya abg zaidi kita siap nak bagi ebook free lagi malam ni…

Aluhhhhhh… Jom gais… Saksikan sharing malam ni 9.15pm.

Daripada Facebook

Sir Erman Taib
IQI iRealty Team

https://www.facebook.com/1505918418/posts/10225102411296517/

Semoga bermanfaat.

Jual Rumah Di Malaysia: Apa Yang Perlu Anda Bayar?

Jual Rumah Di Malaysia: Apa Yang Perlu Anda Bayar?

Ada pelbagai sebab kenapa seseorang memilih untuk menjual rumah: untuk pelaburan, tak mampu menanggung pembiayaan bulanan, atau ingin “upgrade/downgrade” rumah.

Apa pun alasannya, jika anda ingin menjual rumah, ada beberapa kos yang anda perlu tahu dan pertimbangkan dulu.

Sejujurnya, anda tak akan dapat 100% dari harga jualan rumah, sebabnya anda kena berkorban sikit untuk bayaran wajib supaya boleh dapat pulangan yang lebih besar.

Untuk memudahkan pemikiran anda, kami bahagikan kos-kos tersebut kepada dua kategori yang perlu pemilik rumah ambil tahu untuk penjualan – kos yuran, dan juga kos cukai.

https://www.propertyguru.com.my/property-guides/kos-jual-rumah-apa-yang-perlu-dibayar-26976

WHAT IS HOUSING LOAN ?

Loan Application

What is a home loan?

A home loan, also known as a mortgage, is the sum of money given to you by a financial institution to buy a property. In exchange for this sum of money, the financial institution will have security in the form of their legal entitlement to keep your property’s deed until your home loan has been paid bank in full.

What is the meaning of certain terms in a home loan?

Principal – The total amount you are borrowing from your bank.

Interest – The charges from the bank to you. You will be paying back your loan amount to the lender plus the rate of interest given by the bank.

Fees – The charges from the bank to cover things such as servicing the home loan.

Term – The length of time you must repay your loan amount plus interest to the bank.

Repayments – The amount you pay to the bank to cover your home loan.

Collateral – The bank is entitled to hold your property’s deed as a form of security in case you are not able to repay your home loan.

What are the types of home loans available?

These are the types of home loans available:

Term Loan – This home loan allows you to have a maximum loan tenure of 35 years. If you pay off your home loan earlier within the first 3 to 5 years, you will be charged a penalty fee of approximately 3%.

Fixed Rate Loan – The interest for this home loan will be charged a fixed rate throughout the loan tenure. If you don’t want to worry about whether the interest rate will increase or decrease, this would be a suitable type of home loan to apply for.

Overdraft Loan – This loan requires you to only pay for the interest rate of the loan and the amount will be deducted directly from your current account. There is no loan tenure. However, the interest rate you are required to pay is higher than usual.

Flexi Loan – This loan is a combination of a term loan and an overdraft loan. You can get a lower interest rate when you put in more money in your current account. For more information about the flexi loan, click here.

Al-Bai’ Bithaman Ajil – An Islamic home loan which follows a buy-and-sell concept. The bank will buy the property for you at the current market price. Then, they will sell it back to you at an agreed price where you will have to pay in monthly instalments.

Musharakah Mutanaqisah – An Islamic home loan where you and the bank enter into an agreement to buy a property. You will become a tenant to the bank and your monthly repayments will cover your loan and part of the bank’s share of the property.

What is a lock-in period?

A lock-in period is the length of time where you will incur a penalty from the bank if you choose to do a full settlement of your home loan. For example, if your lock-in period in your home loan contract is 5 years but you have decided to pay your home loan in full before the 5 years, the bank can impose a penalty of 2% to 3% of the total loan amount.

Therefore, when you apply for a home loan, be sure to pay attention to the lock-in period because you might have to incur extra costs for an early settlement.

What are the eligibility criterias to apply for a home loan?

These are the criteria to apply for a home loan:

  • You must be a Malaysian citizen or a foreigner with a valid working permit and visa.
  • You have to be 18 to 75 years old upon loan maturity.
  • Your joint applicant must be a direct relative such as spouse, parents, siblings, or child.

However, some banks requirements may differ from the above. For the minimum annual income, it depends on the bank and which financing scheme you are applying for. Make sure to check with your respective bank on their requirements.

How can I apply for a home loan?

On Loanstreet, just press apply and fill in your details. We will give you a call or send you an email within 1 working day, depending on your application. After that, we will submit your application to the respective bank. However, if your application does not meet our criteria, we will send you an email stating that you may have to walk into the bank to apply for the home loan.

What documents do I need to apply for a home loan?

For Employee:

  • Copy of your NRIC
  • Property booking receipt
  • Vendor Sales & Purchase Agreement / Title (copy) / New Sales & Purchase Agreement
  • Latest 3 months pay slip (for Basic Salary) / Latest 6 months pay slip (for Basic + Commission Earner)
  • Latest 3 months personal bank statement (for Basic Salary) / Latest 6 months pay slip (for Basic + Commission Earner) to show your salary credited as per pay slip
  • Latest employment letter / EA form
  • Latest EPF statement
  • Income Tax – Latest Form B / BE with payment receipt acknowledgement
  • Deposit statement eg. Fixed Deposit, ASB or Bonds (if any)
  • Diploma / Degree certificate for a longer repayment period

For Self-Employed:

  • Copy of your NRIC
  • Property booking receipt
  • Vendor Sales & Purchase Agreement / Title (copy) / New Sales & Purchase Agreement
  • Latest 6 months company bank statement
  • Latest 6 months personal bank statement
  • Deposit statement eg. Fixed Deposit, ASB or Bonds (if any)
  • Business registration

That being said, some banks may require you to provide more documents. Make sure to check what documents are required by your respective bank.

How long is the home loan application process?

Once you have submitted the necessary documents required by your bank, it will take up to approximately 7 working days to approve your application and disburse the loan to you. This process depends on the loan amount, loan tenure and your eligibility. Make sure to submit all the relevant documents with the correct details to help speed up the application process.

Can I pay more than the monthly instalment to reduce my principal loan amount?

You can make additional payments if your bank allows you to do so. Before making any additional payments, make sure to check whether there is an early settlement fee and whether it is worth it. Besides that, you should also consider recalculating the monthly instalments with your bank if you were to make additional payments because sometimes making additional payments will not reduce your monthly instalments.

What happens if I am not able to repay my home loan?

When you are not able to repay your home loan, your bank will have to seize your assets and you may be evicted from your home. However, your bank will send reminders on your missed payments. If you know you aren’t able to make your monthly repayments, go to your bank and discuss on what other alternatives they can provide you.

Why did my home loan get rejected?

There could be several reasons why your home loan got rejected. To check all the reasons

HOUSING LOAN CALCULATOR

Frequently Asked Questions (FAQ)

Why should I use the Home Loan & Stamp Duty Calculator?

You should use the Home Loan & Stamp Duty Calculator to help calculate all the basic costs that are involved in your property purchasing process. This way, you’ll be able to forecast your budget more accurately before you get on with the purchasing process.

What can I do with the Home Loan & Stamp Duty Calculator?

You can use this calculator to get a better understanding of the amount of money you need to have before buying a property. Just by filling in all the necessary details, you will get the information to help you get a clearer picture on your budget before applying for a home loan. You can also compare different kinds of outcomes via the calculator. By changing some details, the calculator will provide you with various sample results, thus giving you more options for your budget.

What can I do with the results of this Home Loan & Stamp Duty Calculator?

You can use the results generated by the Home Loan & Stamp Duty Calculator to speed up your decision-making process when selecting a home loan. The information you have at your fingertips are valuable as it can help safeguard you from hidden costs and lengthy processes.

How can I apply for a home loan?

You can apply for one just by following these simple steps. Go to all home loans and click on the loan you are interested in, or compare up to three loans at once to find the best home loan for you. Fill in your personal information, press “Apply Now” and we’ll send a follow up email directly to your inbox.

How can I find out which home loan I should apply for?

If you’re still unsure, worry not! Go to the Comprehensive Home Loan Eligibility Report and fill in your personal information as accurately as possible. Within five minutes you will receive a comprehensive report in your email containing the suggested home loans that you can apply for included with an estimation of your eligibility for those loans.

What are the closing costs that I have to pay when I purchase a property?

Closing costs are the fees involved when a real estate transaction is completed. The closing costs will be on average 2% to 5% of the purchase price of the property. Examples of these costs are:

  • Title policies
  • Recording fees
  • Inspections
  • Courier charges

Are the costs from the home loan a fixed percentage?

No the costs are not a fixed percentage. They will vary depending on a lot of things such as the purchase price of the property, the home loan, the interest percentage that your lender will give you and so on. Examples of these costs are:

  • Title policies
  • Recording fees
  • Inspections
  • Courier charges

Is the stamp duty paid by the buyer or the seller?

The stamp duty is paid by the buyer.

How much is the stamp duty when buying a property?

The stamp duty is based on the purchase price of the property. Here are the stamp duty fee according to the property price:
 Property PriceStamp Duty FeeFirst RM100,000  1%RM100,001- RM500,0002%RM500,001 – RM1,000,0003%Above RM1,000,000 4%
So, imagine that you are going to buy a new property at a purchase price of RM300,000.
The stamp duty fee for the first RM100,000 will be (100,000*1%) = RM1,000
The stamp duty fee for the remaining amount will be ((300,000-100,001)*2%) = RM4,000.

This means that for a property at a purchase price of RM300,000 the stamp duty will be RM5,000.

Terima Kasih

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Selamat Mencuba

Malaysia post-MCO

Juwai IQI’s Chief Economist Shan Saeed shared his thoughts on Malaysia post-MCO – from GDP, price inflation, to oil prices and more. Find out more in the video! 🇲🇾



#BeGlobalIn3Mins #ShanSaeed #iqiglobal #juwaiiqi #realestate #property #realestateagent #explorewithIQI

Real Estate Market Stays Open, Fewer In-Person Interactions | IQI Global

https://www.iqiglobal.com/blog/real-estate-market-stays-open-fewer-in-person-interactions/

Malaysian buyers continue to buy and rent homes despite Covid-19, using Juwai IQI’s new technologies like Manage My Deal which provides real-time status updates of purchases and rentals to limit risks. 📲🏡

Read more here: https://www.iqiglobal.com/blog/real-estate-market-stays-open-fewer-in-person-interactions/

#iqiglobal #juwaiiqi #realestate #property #realestateagent #explorewithIQI

LAGU RAYUAN KHAS

https://www.facebook.com/watch/?v=383142549598521

Lagu Rayuan Khas.



#RM10K #10k #KWSP #moratorium #lanjutkan #Belanjawan2021 #Bajet2021 #pkpb2020 #PKPB #letih #hilangkerja

THE POWER OF SADAKAH

GOD HELP US WE HELP OTHERS GOD HELP US AGAIN AND AGAIN

ℹ️ THE MORAL OF THE STORY IS..

Di z͟a͟m͟a͟n͟ N͟a͟b͟i͟ M͟u͟s͟a͟ A͟S͟, a͟d͟a͟ s͟e͟p͟a͟s͟a͟n͟g͟ s͟u͟a͟m͟i͟ i͟s͟t͟er͟i͟ y͟a͟n͟g͟ h͟i͟d͟u͟p͟ d͟e͟n͟g͟a͟n͟ p͟e͟n͟u͟h͟ k͟e͟m͟i͟s͟k͟i͟n͟a͟n͟ n͟a͟m͟u͟n͟ m͟e͟r͟e͟k͟a͟ m͟e͟n͟g͟h͟a͟d͟a͟p͟i͟n͟y͟a͟ d͟e͟n͟g͟a͟n͟ p͟e͟n͟u͟h͟ k͟e͟s͟a͟b͟a͟r͟a͟n͟.

S͟u͟a͟t͟u͟ k͟e͟t͟i͟k͟a͟, t͟a͟t͟k͟a͟l͟a͟ m͟e͟r͟e͟k͟a͟ sedang b͟e͟r͟i͟s͟t͟i͟r͟eh͟a͟t͟, s͟a͟n͟g͟ i͟s͟t͟er͟i͟ b͟e͟r͟t͟a͟n͟y͟a͟ k͟e͟p͟a͟d͟a͟ s͟u͟a͟m͟i͟n͟y͟a͟:

“W͟a͟h͟a͟i͟ s͟u͟a͟m͟i͟k͟u͟, b͟u͟k͟a͟n͟k͟a͟h͟ M͟u͟s͟a͟ a͟d͟a͟l͟a͟h͟ s͟e͟o͟r͟a͟n͟g͟ N͟a͟b͟i͟ y͟a͟n͟g͟ boleh b͟e͟r͟b͟i͟c͟a͟r͟a͟ d͟e͟n͟g͟a͟n͟ T͟u͟h͟a͟n͟n͟y͟a͟ (A͟l͟l͟a͟h͟)..?”

L͟a͟l͟u͟ s͟a͟n͟g͟ s͟u͟a͟m͟i͟ m͟e͟n͟j͟a͟w͟a͟b͟ :

“Y͟a͟, b͟e͟n͟a͟r͟.”

S͟a͟n͟g͟ i͟s͟t͟er͟i͟ b͟e͟r͟k͟a͟t͟a͟ l͟a͟g͟i͟:

“K͟e͟n͟a͟p͟a͟ k͟i͟t͟a͟ t͟i͟d͟a͟k͟ p͟e͟r͟g͟i͟ s͟a͟j͟a͟ k͟e͟p͟a͟d͟a͟-n͟y͟a͟ u͟n͟t͟u͟k͟ m͟e͟n͟g͟a͟d͟u͟k͟a͟n͟ keadaan dan nasib k͟i͟t͟a͟ y͟a͟n͟g͟ p͟e͟n͟u͟h͟ d͟e͟n͟g͟a͟n͟ k͟e͟m͟i͟s͟k͟i͟n͟a͟n͟ d͟a͟n͟ m͟e͟m͟i͟n͟t͟a͟n͟y͟a͟ a͟g͟a͟r͟ i͟a͟ b͟e͟r͟b͟i͟c͟a͟r͟a͟ k͟e͟p͟a͟d͟a͟ R͟a͟b͟b͟-n͟y͟a͟, a͟g͟a͟r͟ D͟i͟a͟ m͟e͟n͟g͟a͟n͟u͟g͟e͟r͟a͟h͟k͟a͟n͟ k͟e͟p͟a͟d͟a͟ k͟i͟t͟a͟ k͟e͟k͟a͟y͟a͟a͟n͟ ?”

A͟k͟h͟i͟r͟n͟y͟a͟ m͟e͟r͟e͟k͟a͟ m͟e͟n͟g͟a͟d͟u͟k͟a͟n͟ k͟e͟m͟i͟s͟k͟i͟n͟a͟n͟n͟y͟a͟ i͟t͟u͟ k͟e͟p͟a͟d͟a͟ N͟a͟b͟i͟ M͟u͟s͟a͟ A͟S͟.

L͟a͟l͟u͟ N͟a͟b͟i͟ M͟u͟s͟a͟ b͟e͟r͟m͟u͟n͟a͟j͟a͟t͟ m͟e͟n͟g͟h͟a͟d͟a͟p͟ A͟l͟l͟a͟h͟ S͟W͟T͟ d͟a͟n͟ m͟e͟n͟y͟a͟m͟p͟a͟i͟k͟a͟n͟ k͟e͟a͟d͟a͟a͟n͟ k͟e͟l͟u͟a͟r͟g͟a͟ t͟e͟r͟s͟e͟b͟u͟t͟.

A͟l͟l͟a͟h͟ S͟W͟T͟ p͟u͟n͟ b͟e͟r͟f͟i͟r͟m͟a͟n͟ k͟e͟p͟a͟d͟a͟ M͟u͟s͟a͟:

“W͟a͟h͟a͟i͟ M͟u͟s͟a͟, k͟a͟t͟a͟k͟a͟n͟l͟a͟h͟ k͟e͟p͟a͟d͟a͟ m͟e͟r͟e͟k͟a͟, a͟k͟u͟ a͟k͟a͟n͟ m͟e͟m͟b͟e͟r͟i͟k͟a͟n͟ k͟e͟p͟a͟d͟a͟ m͟e͟r͟e͟k͟a͟ k͟e͟k͟a͟y͟a͟a͟n͟, t͟e͟t͟a͟p͟i͟ k͟e͟k͟a͟y͟a͟a͟n͟ i͟t͟u͟ a͟k͟u͟ b͟e͟r͟i͟k͟a͟n͟ h͟a͟n͟y͟a͟ s͟a͟t͟u͟ t͟a͟h͟u͟n͟, d͟a͟n͟ s͟e͟t͟e͟l͟a͟h͟ s͟a͟t͟u͟ t͟a͟h͟u͟n͟, a͟k͟a͟n͟ a͟k͟u͟ k͟e͟m͟b͟a͟l͟i͟k͟a͟n͟ m͟e͟r͟e͟k͟a͟ m͟e͟n͟j͟a͟d͟i͟ o͟r͟a͟n͟g͟ m͟i͟s͟k͟i͟n͟ k͟e͟m͟b͟a͟l͟i͟.”

L͟a͟l͟u͟ N͟a͟b͟i͟ M͟u͟s͟a͟ m͟e͟n͟y͟a͟m͟p͟a͟i͟k͟a͟n͟ k͟e͟p͟a͟d͟a͟ m͟e͟r͟e͟k͟a͟ b͟a͟h͟w͟a͟s͟a͟n͟y͟a͟ A͟l͟l͟a͟h͟ t͟e͟l͟a͟h͟ M͟e͟n͟g͟a͟b͟u͟l͟k͟a͟n͟ p͟e͟r͟m͟o͟h͟o͟n͟a͟n͟ m͟e͟r͟e͟k͟a͟, d͟e͟n͟g͟a͟n͟ s͟y͟a͟r͟a͟t͟ k͟e͟k͟a͟y͟a͟a͟n͟ i͟t͟u͟ h͟a͟n͟y͟a͟ s͟a͟t͟u͟ t͟a͟h͟u͟n͟ l͟a͟m͟a͟n͟y͟a͟.

M͟e͟r͟e͟k͟a͟ m͟e͟n͟e͟r͟i͟m͟a͟ k͟a͟b͟a͟r͟ t͟e͟r͟s͟e͟b͟u͟t͟ d͟e͟n͟g͟a͟n͟ p͟e͟n͟u͟h͟ Ke͟b͟a͟h͟a͟g͟i͟a͟a͟n͟ d͟a͟n͟ Ke͟g͟e͟m͟b͟i͟r͟a͟a͟n͟.

B͟e͟b͟e͟r͟a͟p͟a͟ h͟a͟r͟i͟ k͟e͟m͟u͟d͟i͟a͟n͟ d͟a͟t͟a͟n͟g͟l͟a͟h͟ REZEKI y͟a͟n͟g͟ m͟e͟l͟i͟m͟p͟a͟h͟ d͟a͟r͟i͟ j͟a͟l͟a͟n͟ y͟a͟n͟g͟ t͟a͟k͟ d͟i͟k͟e͟t͟a͟h͟u͟i͟ d͟a͟r͟i͟ m͟a͟n͟a͟ a͟r͟a͟h͟n͟y͟a͟.

D͟a͟n͟ m͟e͟r͟e͟k͟a͟p͟u͟n͟ m͟e͟n͟j͟a͟d͟i͟ o͟r͟a͟n͟g͟ yang t͟e͟r͟k͟a͟y͟a͟ p͟a͟d͟a͟ waktu i͟t͟u͟.

K͟e͟a͟d͟a͟a͟n͟ m͟e͟r͟e͟k͟a͟ p͟u͟n͟ b͟e͟r͟u͟b͟a͟h͟ d͟e͟n͟g͟a͟n͟ k͟e͟k͟a͟y͟a͟a͟n͟ y͟a͟n͟g͟ b͟e͟r͟l͟i͟m͟p͟a͟h͟.

L͟a͟l͟u͟ s͟a͟n͟g͟ i͟s͟t͟er͟i͟ b͟e͟r͟k͟a͟t͟a͟ k͟e͟p͟a͟d͟a͟ s͟u͟a͟m͟i͟n͟y͟a͟:

“W͟a͟h͟a͟i͟ s͟u͟a͟m͟i͟k͟u͟, s͟e͟l͟a͟m͟a͟ s͟e͟t͟a͟h͟u͟n͟ i͟n͟i͟ k͟i͟t͟a͟ a͟k͟a͟n͟ m͟e͟m͟b͟e͟r͟i͟ m͟a͟k͟a͟n͟ o͟r͟a͟n͟g͟-o͟r͟a͟n͟g͟ m͟i͟s͟k͟i͟n͟ d͟a͟n͟ m͟e͟n͟y͟a͟n͟t͟u͟n͟i͟ a͟n͟a͟k͟-a͟n͟a͟k͟ y͟a͟t͟i͟m͟ selagi k͟i͟t͟a͟ m͟a͟s͟i͟h͟ diberi k͟e͟s͟e͟m͟p͟a͟t͟a͟n͟, k͟eran͟a͟ s͟e͟t͟e͟l͟a͟h͟ s͟e͟t͟a͟h͟u͟n͟ k͟i͟t͟a͟ a͟k͟a͟n͟ k͟e͟m͟b͟a͟l͟i͟ m͟i͟s͟k͟i͟n͟.”

S͟a͟n͟g͟ s͟u͟a͟m͟i͟ m͟e͟n͟j͟a͟w͟a͟b͟: “B͟a͟i͟k͟l͟a͟h͟, k͟i͟t͟a͟ a͟k͟a͟n͟ m͟e͟n͟g͟g͟u͟n͟a͟k͟a͟n͟ h͟a͟r͟t͟a͟ i͟n͟i͟ u͟n͟t͟u͟k͟ m͟e͟m͟b͟a͟n͟t͟u͟ o͟r͟a͟n͟g͟-o͟r͟a͟n͟g͟ y͟a͟n͟g͟ memerlukannya.”

K͟e͟m͟u͟d͟i͟a͟n͟ m͟e͟r͟e͟k͟a͟ m͟e͟m͟b͟a͟n͟t͟u͟ o͟r͟a͟n͟g͟-o͟r͟a͟n͟g͟ y͟a͟n͟g͟ m͟e͟m͟erlukan, d͟a͟n͟ m͟e͟m͟b͟ina t͟e͟m͟p͟a͟t͟-t͟e͟m͟p͟a͟t͟ pers͟i͟n͟g͟g͟a͟h͟an untuk p͟a͟r͟a͟ M͟u͟s͟a͟f͟i͟r͟, s͟e͟r͟t͟a͟ m͟e͟n͟y͟e͟d͟i͟a͟k͟a͟n͟ m͟a͟k͟a͟n͟ PERCUMA b͟a͟g͟i͟ o͟r͟a͟n͟g͟ y͟a͟n͟g͟ m͟e͟m͟erlukan.

S͟e͟t͟e͟l͟a͟h͟ s͟a͟t͟u͟ t͟a͟h͟u͟n͟ b͟e͟r͟l͟a͟l͟u͟, m͟e͟r͟e͟k͟a͟ m͟a͟s͟i͟h͟ t͟e͟t͟a͟p͟ s͟i͟b͟u͟k͟ m͟e͟n͟y͟e͟d͟i͟a͟k͟a͟n͟ m͟a͟k͟a͟n͟a͟n͟ s͟a͟m͟p͟a͟i͟ m͟e͟r͟e͟k͟a͟ l͟u͟p͟a͟ b͟a͟h͟aw͟a͟s͟a͟n͟y͟a͟ s͟u͟d͟a͟h͟ s͟e͟t͟a͟h͟u͟n͟ l͟e͟b͟i͟h͟ m͟e͟r͟e͟k͟a͟ m͟e͟n͟j͟a͟d͟i͟ o͟r͟a͟n͟g͟ k͟a͟y͟a͟ d͟a͟n͟ m͟e͟r͟e͟k͟a͟ l͟u͟p͟a͟ b͟a͟h͟aw͟a͟ a͟k͟a͟n͟ k͟e͟m͟b͟a͟l͟i͟ m͟e͟n͟j͟a͟d͟i͟ o͟r͟a͟n͟g͟ m͟i͟s͟k͟i͟n͟.

N͟a͟b͟i͟ M͟u͟s͟a͟ p͟u͟n͟ berasa sangat hair͟a͟n͟ m͟e͟l͟i͟h͟a͟t͟ k͟e͟a͟d͟a͟a͟n͟ m͟e͟r͟e͟k͟a͟ y͟a͟n͟g͟ masih t͟e͟t͟a͟p͟ k͟a͟y͟a͟.

K͟e͟m͟u͟d͟i͟a͟n͟ N͟a͟b͟i͟ M͟u͟s͟a͟ b͟e͟r͟t͟a͟n͟y͟a͟ k͟epada A͟l͟l͟a͟h͟ S͟W͟T͟ :

“Y͟a͟ R͟a͟b͟b͟, b͟u͟k͟a͟n͟k͟a͟h͟ E͟n͟g͟k͟a͟u͟ b͟e͟r͟j͟a͟n͟j͟i͟ m͟e͟m͟b͟e͟r͟i͟k͟a͟n͟ m͟e͟r͟e͟k͟a͟ k͟e͟k͟a͟y͟a͟a͟n͟ h͟a͟n͟y͟a͟ untuk s͟et͟a͟h͟u͟n͟ s͟a͟j͟a͟, k͟e͟m͟u͟d͟i͟a͟n͟ s͟e͟t͟e͟l͟a͟h͟ i͟t͟u͟ E͟n͟g͟k͟a͟u͟ a͟k͟a͟n͟ k͟e͟m͟b͟a͟l͟i͟k͟a͟n͟ m͟e͟r͟e͟k͟a͟ p͟a͟d͟a͟ k͟e͟m͟i͟s͟k͟i͟n͟a͟n͟ s͟e͟p͟e͟r͟t͟i͟ s͟e͟m͟u͟l͟a͟?”

A͟l͟l͟a͟h͟ S͟W͟T͟ p͟u͟n͟ b͟e͟r͟f͟i͟r͟m͟a͟n͟:

“W͟a͟h͟a͟i͟ M͟u͟s͟a͟, A͟k͟u͟ t͟e͟l͟a͟h͟ m͟e͟m͟b͟u͟k͟a͟ s͟a͟t͟u͟ p͟i͟n͟t͟u͟ REZEKI k͟e͟p͟a͟d͟a͟ m͟e͟r͟e͟k͟a͟, t͟e͟t͟a͟p͟i͟ m͟e͟r͟e͟k͟a͟ m͟e͟m͟b͟u͟k͟a͟ b͟e͟b͟e͟r͟a͟p͟a͟ PINTU REZEKI u͟n͟t͟u͟k͟ h͟a͟m͟b͟a͟-h͟a͟m͟b͟a͟ K͟u͟.”

“W͟a͟h͟a͟i͟ M͟u͟s͟a͟, m͟a͟k͟a͟ A͟k͟u͟ akan kurniakan l͟e͟b͟i͟h͟ l͟a͟m͟a͟ k͟e͟k͟a͟y͟a͟a͟n͟ i͟t͟u͟ p͟a͟d͟a͟ m͟e͟r͟e͟k͟a͟.”
“W͟a͟h͟a͟i͟ M͟u͟s͟a͟, A͟k͟u͟ s͟a͟n͟g͟a͟t͟ m͟a͟l͟u͟ j͟i͟k͟a͟l͟a͟u͟ a͟d͟a͟ h͟a͟m͟b͟a͟-K͟u͟ y͟a͟n͟g͟ l͟e͟b͟i͟h͟ m͟u͟l͟i͟a͟ d͟a͟n͟ l͟e͟b͟i͟h͟ p͟e͟m͟u͟r͟a͟h͟ d͟a͟r͟i͟p͟a͟d͟a͟ A͟k͟u͟.”

N͟a͟b͟i͟ M͟u͟s͟a͟ m͟e͟n͟j͟a͟w͟a͟b͟:

سبحانك اللهم ماأعظم شأنك وأرفع مكانك

“M͟a͟h͟a͟ S͟u͟c͟i͟ E͟n͟g͟k͟a͟u͟ Y͟a͟ A͟l͟l͟a͟h͟, b͟e͟t͟a͟p͟a͟ M͟a͟h͟a͟ M͟u͟l͟i͟a͟ u͟r͟u͟s͟a͟n͟-M͟u͟ d͟a͟n͟ M͟a͟h͟a͟ T͟i͟n͟g͟g͟i͟ k͟e͟d͟u͟d͟u͟k͟a͟n͟-M͟u͟.”

The moral of the story is…

HIDUP BUKANLAH BAGAIMANA MENJADI YG TERBAIK TETAPI BAGAIMANA KITA BERBUAT BAIK

Sesungguhnya jangan tunggu duit banyak untuk bersedekah tetapi mulai dgn berapa yang ada dahulu pastinya rezeki akan akan bertambah tambah.

Insya Allah..

Aamiin 🤲

RahimHartanah.com

https://rahimhartanah.com/list/bunglow-lot-taman-lavender-heights–senawang-negeri-sembilan-5258

RM 330,000.00
Location:
BUNGLOW LOT, TAMAN LAVENDER, SENAWANG, NEGERI SEMBILAN

Details at Rahimhartanah•Com

MOTIVASI DIRI

Photo by Savvas Stavrinos on Pexels.com

MOTIVASI DIRI : Bila kita rasa ‘down’ kena ada ‘seseorang’ yang lain kena bagitau utk ‘up’ semula. Cari lah ‘seseorang’ tersebut. ‘Up and down’ mood ni akan berlaku beberapa kali, dan takkan stop disatu tahap saja, akan berulang ulang. Cari lagi dan lagi dan lagi sekali ‘seseorang’ itu, utk bagitau kita kata2 motivasi dan semangat, setiap kali ‘down’ mood tu jadi lagi sekali setiap kali ya. In Sha Allah. Semoga bermanfaat.

– bukan saya yang kata. Pesanan daripada ‘seseorang’. ☺️

RahimHartanah.com

https://rahimhartanah.com/list/3-storey-corner-bungalow-kristal-court-shah-alam-selangor-5174

RM 3,500,000.00
Location:
3 STOREY CORNER BUNGALOW KRISTAL COURT SHAH ALAM, SHAH ALAM, SELANGOR,