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Setiap Kebaikan Adalah Sedekah

Setiap Kebaikan Adalah Sedekah

عَنْ جَابِرِ بْنِ عَبْدِ اللَّهِ قَالَ قَالَ رَسُولُ اللَّهِ صَلَّى اللَّهُ عَلَيْهِ وَسَلَّمَ كُلُّ مَعْرُوفٍ صَدَقَةٌ وَإِنَّ مِنْ الْمَعْرُوفِ أَنْ تَلْقَى أَخَاكَ بِوَجْهٍ طَلْقٍ وَأَنْ تُفْرِغَ مِنْ دَلْوِكَ فِي إِنَاءِ أَخِيكَ

Dari Jabir bin Abdullah RA ia berkata; Rasulullah SAW bersabda: “Setiap kebaikan adalah sedekah. Dan di antara bentuk kebaikan adalah kamu menjumpai saudaramu dengan wajah yang menyenangkan. Dan kamu menuangkan air dari baldimu ke dalam bejana milik saudaramu.” (HR Tirmizi No: 1893) Status: Hadis Hasan Sahih

Pengajaran:

1. Setiap kebaikan yang dilakukan walau sekecil mana ia adalah sedekah dan mendatangkan pahala

2. Sedekah mencakupi aspek harta, tenaga, usaha dan, tindakan yang telus dan ikhlas dalam usaha melebarkan manfaat buat diri, masyarakat dan makhluk alam yang lain.

3. Antara bentuk kebaikan apabila seseorang berwajah ceria dan memberikan senyuman kepada sahabat yang ditemui.

4. Menolong orang lain dengan menuangkan air dari bekas miliknya ke dalam bekas milik saudaranya, itu juga sedekah

Lakukanlah kebaikan semampu kita walaupun kecil. Moga ia menjadi pahala diakhirat.

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Designing My Very Own Financial Road-map

First, I would need to carefully consider these 3 things:

  1. What is my financial goals?
  2. When do I plan to achieve these goals?
  3. How do I plan to do it?
  4. What is my current wealth level? (Will elaborate further in future post)

In order to better understand this idea, we need an example, and some sets of assumptions. Here is the assumptions:

  • Like any road-maps, there’s a end of the line, in this case, the end of the line is the end of my life, since we can’t predict the future, just assume it is around 75 years old.
  • Current age of 19 years old (the younger you start, the better)
Age Financial Goals (FG) FG value
19 (current age)
25 Getting married RM 25,000.00
30 Buy a car RM 30,000.00
35 Buy a house RM 100,000.00
40 Children education fund RM 60,000.00
55 (retirement) Retired RM 1,000,000.00
75 Preparation for death ?

19 Y.O to 25 Y.O (Preparing to get married)

[6 years timeline]

You estimate for the marriage ceremony cost to be around RM 25,000.00

(1) You could save the needed money using the normal practice (the hard way)

RM 25, 000 / (12*6) = RM 347.23 per month for every month for 6 years , minimum to get RM 25,000.00

(2) You could try to find an investment instrument which yield at least 10% per annum (p.a)

Note: Initially, I plan to share the formula to calculate these, but then, nobody got time for manual calculation nowadays. I suggest you to download any financial calculator apps to calculate the compounded amount for you. Easier and much more accurate.

In order to get a minimum of RM 25,000.00 in 6 years, you would need to save a minimum of RM 255 per month for 6 years.

Monthly deposit : RM 255 per month for 6 years.

Annual return : 10% p.a

Investment period : 6 years or 72 months

Total money + profit earned after 6 years:  RM 25, 226.87

Further saving on monthly saving commitment of RM 92.23 ( RM 347.23 – RM 255)

So, using this kind of investment instrument, you end up saving more money with less. Well, the question is, what investment instrument would allow you to earn 10% p.a.

Honestly, I don’t know yet. Maybe I would have the answer if and when I decided to give unit trust consulting a try. Until then, do the research yourself.

(3) If the option is only find an investment instrument which yield at least 6% per annum (p.a)

Monthly deposit : RM 255 per month for 6 years.

Annual return : 6% p.a

Investment period : 6 years or 72 months

Total money + profit earned after 6 years:  RM 22, 144.43

Further saving on monthly saving commitment of RM 92.23 ( RM 347.23 – RM 255)

You might not get the RM 25K, but it will be close.

For Malaysia, I would suggest to maximize their ASB 1 & ASB 2. It secure and low risk.

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.

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40 Y.O to 55 Y.O (Retirement – RM 1,000,000.00)

[15 years timeline]

(1) You could save the needed money using the normal practice (the hard way)

RM 1,000, 000.00 / (12*15) = RM 5,555.56 per month for every month for 15 years , minimum to get RM 1,000,000.00 for retirement.

(2) You could try to find an investment instrument which yield at least 10% per annum (p.a)

In order to get a minimum of RM 1,000,000.00 in 15 years, you would need to save a minimum of RM 2,400.00  per month for 15 years.

Monthly deposit : RM 2, 400.00 per month for 15 years.

Annual return : 10% p.a

Investment period : 15 years or 180 months

Total money + profit earned after 15 years:  RM 1, 003,018.24 (RM 432,000.00 Principal + RM 571,018.24 profit).

Using this kind of instrument, you would have an excess of RM 3,155.56 to use for further investment or for fun, or better yet, for charity.

(3) If the option is only find an investment instrument which yield at least 6% per annum (p.a)

Monthly deposit : RM 2,400.00 per month for 15 years.

Annual return : 6% p.a

Investment period : 15 years or 180 months

Total money + profit earned after 15 years:  RM 701,454.73 ( RM 432,000.00 Principal + RM 269,454.73 Profit)

To get to the RM 1,000,000.00 mark, for 6% p.a. you need to save at least RM 3,500.00 per month for 15 years, which will amount to RM 1,022,954.82 (RM 630,000.00 Principal + RM 392,954.82 Profit)

Again for Malaysian, I would suggest to maximize their ASB 1 & ASB 2. It secure and low risk.


Sure, you noticed that, with an investment instrument, you would be able to save more by making sure that your money do the heavy lifting for you. But then, make sure that you save or invest in a legit investment scheme, not some get-rich-quick scheme.

When dealing with investment, I would rather stick to the golden advice I learnt from ‘The Richest Man in Babylon”, That is . . .

“Seek the counsel of knowledgeable experts before you invest. Never put the principal  that you invested in unseemly risk”

So for me, as I mentioned above, the 1/10th of all my earning would go to the safest low risk investment of my preferences, the extra, would go to moderate and high risk investment at a ratio which I predetermined.

And in preparing for death, I would suggest for wakaf and charity money.

So, let’s discuss on how to calculate our wealthiness in the next post (for finance categories that is).

Till then, good day to you all .

And.

Assalamualaikum warahmatullahi wabarakatuh

 

 

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Pengadu Domba Tidak Masuk Syurga

Pengadu Domba Tidak Masuk Syurga

عَنْ حُذَيْفَةَ قَالَ سَمِعْتُ رَسُولَ اللَّهِ صَلَّى اللَّهُ عَلَيْهِ وَسَلَّمَ يَقُولُ لَا يَدْخُلُ الْجَنَّةَ نَمَّامٌ

Dari Hudzaifah RA berkata, “Saya mendengar Rasulullah SAW bersabda: “Tidak akan masuk syurga orang yang suka mengadu domba’.” (HR Muslim No: 151) Status: Hadis Sahih

Pengajaran:

1. Setiap Muslim perlu memperlihatkan akhlak mulia dan saling mengasihi.

2. Muslim dilarang menjadi pengadu domba, penghasut dan berperanan mencerai beraikan hubungan ukhuwah sesama Muslim.

3. Tidak akan masuk syurga orang yang menjadi pemfitnah dan pengadu domba.

Jadilah kita orang yang menyembunyikan aib saudaranya, bukan pengadu domba. Berusahalah mengeratkan hubungan ukhuwah sesama kita.

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Let Us All Say Our Salutations

Let Us All Say Our Salutations

عَنْ أَبِي هُرَيْرَةَ قَالَ قَالَ رَسُولُ اللَّهِ صَلَّى اللَّهُ عَلَيْهِ وَسَلَّمَ مَنْ صَلَّى عَلَيَّ مَرَّةً وَاحِدَةً كَتَبَ اللَّهُ عَزَّ وَجَلَّ لَهُ بِهَا عَشْرَ حَسَنَاتٍ

From Abu Hurairah who said: The Messenger (pbuh) said: ‘Whoever sends salutation upon me one time, Allah has written ten goodnesses for it in return.’ (Ahmad, 12/520, no. 7561)

Lessons:

1. That which is required from every Muslim is, among other things, to increase salutations upon the Prophet (pbuh)

2. A salutation is rewarded with 10 goodnesses and deeds

Let us all increase our salutations upon the Messenger (pbuh)!

The simplest recital of the salutation is as narrated in Hadith An-Nasae’i No: 1292

اللَّهُمَّ صَلِّ عَلَى مُحَمَّدٍ وَعَلَى آلِ مُحَمَّد

O Allah, put bless on Prophet Muhammad and the members of his household.

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Larangan Memburukan Orang Lain

Larangan Memburukan Orang Lain

عَنْ أَبِي هُرَيْرَةَ أَنَّ رَسُولَ اللَّهِ صَلَّى اللَّهُ عَلَيْهِ وَسَلَّمَ قَالَ إِذَا قَالَ الرَّجُلُ هَلَكَ النَّاسُ فَهُوَ أَهْلَكُهُمْ

Dari Abu Hurairah RA bahawa Rasulullah SAW bersabda: “Apabila ada seseorang yang berkata; ‘Celakalah manusia’, maka sebenarnya ia sendiri yang lebih celaka dari mereka.” (HR Muslim No: 4755) Status: Hadis Sahih

Pengajaran:

1. Seorang Muslim tidak boleh berfikiran buruk dan menghukum kecelakaan ke atas orang lain kerana hukum berkenaan mungkin akan berpaling kepada dirinya sendiri.

2. Jangan sekali-kali kita memburukkan orang lain kerana kita mungkin lebih buruk dari mereka.

3. Nasib diri kita adalah mengikut apa yang difikirkan oleh akal kita. Jika akal kita berfikiran negatif, maka natijahnya adalah negatif.

4. Seorang Muslim perlu memelihara baik sangka terhadap Allah.

5. Kecelakaan yang berlaku ke atas diri kita bukanlah semestinya disebabkan oleh perbuatan atau kejahatan orang lain. Bahkan ia mungkin berlaku kerana sikap diri sendiri.

6. Mengakui akan kelemahan dan kejahilan diri sebenarnya lebih penting dari menghukum kejahatan orang lain atau menyalahkan mereka.

7. Kita harus mengakui akan kelemahan diri dahulu dan tidak menjadikan orang lain sebagai pelarian (escapist) dengan menuding jari kepada orang lain.

Marilah kita berusaha menjauhkan diri dari sifat mudah untuk menghukum orang lain dan memburuk-burukkan mereka.