7 Faedah Amalan Menabung

  Kuasa menabung jangan diabaikan. Saya menggunakan perkataan kuasa kerana sikap menabung ini memerlukan disiplin yang tinggi. Kita perlu kuat dari segi objektif ataupun tujuan mengapa perlu menabung.
Banyak kelebihan jika kita mengamalkan sikap menabung dan saya pernah kupas serba sedikit pada post yang lepas. Cuba search pada kotak disebelah kanan pada bahagian paling atas untuk perkataan menabung. Insyaa Allah anda akan jumpa tajuk yang berkaitan menabung.
Pada kali ini saya ingin berkongsi kepada anda 7 faedah amalan menabung dan saya harap informasi ini memberi manfaat kepada anda kelak.

7 Faedah Amalan Menabung

1. Meningkatkan pendapatan
Apabila menabung dan menyimpan di bank atau saham secara berterusan, kita memperolehi pulangan dalam bentuk faedah serta dividen yang berganda.
Dalam keadaan tidak sedar kita berjaya menjadikan alternatif menabung sebagai jalan untuk meningkatkan pendapatan.

2. Meningkatkan kualiti hidup
Dalam masa panjang, menabung dapat membantu kita menikmati kehidupan lebih berkualiti apabila mampu memiliki manfaat yang tidak mungkin diperoleh dengan pendapatan sekarang.

3. Membiayai pendidikan
Menabung mampu membantu kita membiayai kos pendidikan anak-anak supaya mereka memiliki kemahiran dan ilmu pengetahuan yang sempurna.
Bagi yang masih belum berumah tangga, anda boleh mulakan menabung mulai sekarang untuk masa depan keluarga yang akan anda bina kelak.

4. Membeli rumah
Amalan menabung membolehkan kita menyediakan wang pendahuluan dan kos urusan pembelian atau dikenali 'duit muka' apabila membeli rumah atau tanah.
Dengan menabung ia mampu memudahkan kita memperolehi pinjaman penuh bank kerana kita mampu membayar wang pendahuluan yang tinggi.
Teringat saya pada kisah seorang rakan di tempat saya bertugas di mana beliau ingin membeli rumah dan telah berbincang dengan pihak bank untuk urusan pembelian rumah.
Rakan saya telah diperlekeh untuk gaji pokok yang dimiliki sekarang iaitu RM 1500 untuk memiliki rumah. Pegawai bank itu berkata menurut perkiraan beliau, dengan gaji sebanyak ini sukar pihak bank meluluskan pinjaman untuk pembelian rumah.
Saya menasihatkan beliau untuk mula menabung secara khas untuk wang pendahuluan 10% dari harga rumah semasa.
Al maklumlah harga rumah semakin mahal saban tahun.
Mengikut kajian, peningkatan sebanyak 8% setahun daripada harga rumah kini menyebabkan sukar untuk mereka yang berpendapatan sederhana untuk memiliki rumah kediaman sendiri.
Jadi..mulakan amalan menabung mulai sekarang !

5. Tanggungjawab berumah tangga
Amalan menabung boleh membantu menyediakan generasi yang sentiasa menabung, terutama apabila mula bekerja supaya mereka mampu memulakan kehidupan berumah tangga tanpa berhutang.
Perkara seperti jarang berlaku bagi mereka yang baru mula bekerja. Kebanyakan mereka termasuk diri saya sendiri suatu ketika dulu tidak sedar untuk mula melakukan perancangan masa depan melalui amalan menabung untuk perkahwinan.
Ada sebuah produk info ataupun ebook yang boleh membantu anda untuk mendapatkan wang hantaran dan maskahwin secara lebih singkat.
Ebook ini telah membantu ramai pasangan untuk berkahwin tanpa berhutang dan ia juga sesuai untuk anda yang merancang untuk membina rumah tangga.
Sila dapatkan informasi lanjut di sini !

6. Membeli barang keperluan
Apabila menabung sejak awal, kita memiliki wang untuk membeli kelengkapan dan perkakas rumah secara lebih murah melalui pembayaran tunai, sekaligus mengelakkan kita berhutang dan membayar pada harga lebih tinggi melalui ansuran.

7. Keselesaan waktu persaraan
Kebanyakan pekerja mengharapkan Wang Simpanan Pekerja (KWSP) sebagai tabungan dihari tua. Sedangkan mengikut kajian majoriti wang dalam KWSP akan habis dalam masa 2 tahun.
Ini sangat menakutkan bagi mereka yang mengharapkan sepenuhnya dari simpanan ini.
Apa kata anda mulakan amalan menabung dari sekarang untuk menikmati kehidupan lebih selepas bersara kelak, bukan semata-mata bergantung kepada dana Wang Simpanan Pekerja (KWSP).
Semoga perkongsian pada post kali ini membantu membuka minda anda untuk kuasa yang ada pada amalan menabung.

PERBANKAN ISLAM DAN PERBANKAN KONVENSIONAL

Perbandingan antara Perbankan Islam dan Perbankan Konvensional

ABRAHAM LINCOLN

Abraham Lincoln ⁱ/ˈeɪbrəhæm ˈlɪŋkən/ (February 12, 1809 – April 15, 1865) was the 16th president of the United States, serving from March 1861 until his assassination in April 1865. Lincoln led the United States through its Civil War—its bloodiest war and its greatest moral, constitutional and political crisis.^[1][2] In doing so, he preserved the Union, abolished slavery, strengthened the federal government, and modernized the economy. Reared in a poor family on the western frontier, Lincoln was a self-educated lawyer in Illinois, a Whig Party leader, state legislator during the 1830s, and a one-term member of the Congress during the 1840s. He promoted rapid modernization of the economy through banks, canals, railroads and tariffs to encourage the building of factories; he opposed the war with Mexico in 1846. After a series of highly publicized debates in 1858, during which Lincoln spoke out against the expansion of slavery, he lost the U.S. Senate race to his archrival, Democrat Stephen A. Douglas. Lincoln, a moderate from a swing state, secured theRepublican Party presidential nomination in 1860. With very little support in the slave states, Lincoln swept the North and was elected president in 1860. His election prompted seven southern slave states to form theConfederacy before he took the office. No compromise or reconciliation was found regarding slavery.

When the North enthusiastically rallied behind the national flag after the Confederate attack on Fort Sumter on April 12, 1861, Lincoln concentrated on the military and political dimensions of the war effort. His goal was to reunite the nation. He suspended habeas corpus, arresting and temporarily detaining thousands of suspected secessionists in the border states without trial. Lincoln averted British intervention by defusing theTrent Affair in late 1861. His numerous complex moves toward ending slavery centered on the Emancipation Proclamation in 1863, using the Army to protect escaped slaves, encouraging the border states to outlaw slavery, and helping push through Congress the Thirteenth Amendment to the United States Constitution, which permanently outlawed slavery. Lincoln closely supervised the war effort, especially the selection of top generals, including commanding general Ulysses S. Grant. He made the major decisions on Union war strategy. Lincoln's Navy set up a naval blockade that shut down the South's normal trade, helped take control of Kentucky and Tennessee, and gained control of the Southern river system using gunboats. Lincoln tried repeatedly to capture the Confederate capital at Richmond; each time a general failed, Lincoln substituted another, until finally Grant succeeded in 1865.

An exceptionally astute politician deeply involved with power issues in each state, Lincoln reached out to "War Democrats" (who supported the North against the South), and managed his own re-election in the 1864 presidential election. As the leader of the moderate faction of the Republican party, Lincoln confronted Radical Republicans who demanded harsher treatment of the South, War Democrats who called for more compromise, antiwar Democratics called Copperheads who despised him, and irreconcilable secessionists who plotted his death. Politically, Lincoln fought back with patronage, by pitting his opponents against each other, and by appealing to the American people with his powers of oratory.^[3] His Gettysburg Address of 1863 became an iconic statement of America's dedication to the principles of nationalism, republicanism, equal rights, liberty, and democracy. Lincoln held a moderate view of Reconstruction, seeking to reunite the nation speedily through a policy of generous reconciliation in the face of lingering and bitter divisiveness. Six days after the surrender of Confederate commanding general Robert E. Lee, Lincoln was assassinated by John Wilkes Booth, a noted actor and Confederate sympathizer.

Lincoln has been consistently ranked both by scholars^[4] and the public^[5] as one of the greatest U.S. presidents.

STRATEGIC THINKING

Strategic thinking is defined as a mental or thinking process applied by an individual in the context of achieving success in a game or other endeavor. As a cognitive activity, it produces thought.

When applied in an organizational strategic management process, strategic thinking involves the generation and application of unique business insights and opportunities intended to create competitive advantage for a firm or organisation.^[1][2][3] It can be done individually, as well as collaboratively among key people who can positively alter an organisation's future. Group strategic thinking may create more value by enabling a proactive andcreative dialogue, where individuals gain other people's perspectives on critical and complex issues. This is regarded as a benefit in highly competitive and fast-changing business landscapes.
Strategic thinking includes finding and developing a strategic foresight capacity for an organization, by exploring all possible organizational futures, and challenging conventional thinking to foster decision making today.^[7][8]Recent strategic thought points ever more clearly towards the conclusion that the critical strategic question is not the conventional “What?”,^[9] but “Why?” or “How?”.^[9] The work of Henry Mintzberg^[10][11] and other authors,^[12][13][14] further support the conclusion; and also draw a clear distinction between strategic thinking and strategic planning, another important strategic management thought process.^[6][15]General Andre Beaufre wrote in 1963 that strategic thinking "is a mental process, at once abstract and rational, which must be capable of synthesizing both psychological and material data. The strategist must have a great capacity for both analysis and synthesis; analysis is necessary to assemble the data on which he makes his diagnosis, synthesis in order to produce from these data the diagnosis itself--and the diagnosis in fact amounts to a choice between alternative courses of action."^[16]There is no generally accepted definition for strategic thinking, no common agreement as to its role or importance, and no standardised list of key competencies of strategic thinkers.^[17] There is also no consensus on whether strategic thinking is an uncommon ideal or a common and observable property of strategy. Most agree that traditional models of strategy making, which are primarily based on strategic planning, are not working.^[18][19][20] Strategy in today's competitive business landscape is moving away from the basic ‘strategic planning’ to more of ‘strategic thinking’ in order to remain competitive.^[21] However, both thought processes must work hand-in-hand in order to reap maximum benefit.^[6] It has been argued that the real heart of strategy is the 'strategist'; and for a better strategy execution requires a strategic thinker who can discover novel, imaginative strategies which can re-write the rules of the competitive game; and set in motion the chain of events that will shape and "define the future".

MIND MAP ABOUT COMPUTER AND ITS FUNCTIONS

COMPUTER is one of most important things in our daily life today.Nowdays there is no human without computer,laptops,notebooks and smart phone.
Computers help to solve and simplify human daily task related to office or studies.
I am getting more and more interest about computer when am attends my Aplikasi Computer classes.

Here i present a mind mapping about computer which is done by me for my Aplikasi Computer class to share with you all guys.

COMPUTERS MAKE PEOPLE MOVING FORWARDS !!!!!!

GOVERNMENT SERVICE TAX (GST) - A STEP TOWARDS HIGH INCOME NATION STATUS

GST

GST shall be levied and charged on the taxable supply of goods and services made in the course or furtherance of business in Malaysia by a taxable person. GST is also charged on the importation of goods and services.
A taxable supply is a supply which is standard rated or zero rated. Exempt and out of scope supplies are not taxable supplies. GST is to be levied and charged on the value of the supply.
GST can only be levied and charged if the business is registered under GST. A business is not liable to be registered if its annual turnover of taxable supplies does not reach the prescribed threshold. Therefore, such businesses cannot charge and collect GST on the supply of goods and services made to their customers. Nevertheless, businesses can apply to be registered voluntarily.
Almost all countries collect income tax, which is a percentage of what you earn as an individual. Another way the government gets revenue is by collecting tax from business operations, like sales tax and duties on items that are bought or sold.
We need to pay tax so that the government can operate. GST is one method of collecting taxes which works better than others.

Tax rates of countries around the world who have implemented GST or VAT.

I PHONE 6

Apple's new iPhone 6 will be introduced at a September 9 media event at the Flint Center, the same location where Apple debuted the original Mac 30 years ago. An overwhelming number of iPhone 6 rumors and part leaks have given us a near-complete look at the device ahead of its launch.

With the iPhone 5, Apple increased the screen size of the device from 3.5 inches to 4 inches, and with the iPhone 6, the phone's display is going to grow even larger. Though Apple experimented with a range of screen sizes, the company settled on 4.7 inches and 5.5 inches for its two devices, which will bring the next iPhone in line with competing Android and Windows phones that have adopted larger displays.

Over the course of the last several years, consumer preference has shifted towards bigger screens, and Apple is now prepared to meet consumer demand for larger devices.

Along with a larger screen, both models of the iPhone 6 are expected to adopt design elements from the iPad and the iPod touch. Alleged iPhone 6 schematics and part leaks have suggested the iPhone 6 will be considerably thinner than the current iPhone 5s, which is 7.6 mm. The final version of the 4.7-inch iPhone 6 is said to be 6.9 mm thick, 138 mm long, and 66 mm wide. The 5.5-inch iPhone 6 is said to be 7.1 mm thick, 158 mm long, and 78 mm wide.

The phones will also include rounded iPad-style corners, pill-shaped volume buttons, thick antenna bands, a rounded True Tone dual-LED flash, an embedded Apple logo, and a power button located on the right side of the device.

Rumors have suggested at least some models of the iPhone 6 might feature a durable sapphire display and both the 4.7 and 5.5-inch iPhone 6 are expected to see camera improvements. The larger 5.5-inch iPhone 6 might incorporate Optical Image Stabilization as a differentiating feature from the 4.7-inch iPhone 6, and it is also possible that the larger iPhone 6 will be the only model with a 128GB storage capacity, which has been mentioned in rumors and seen in leaked schematics.

Images of a completed logic board have suggested the 4.7-inch iPhone 6 will continue to offer 16GB of storage space at the low end, along with 1GB of RAM, support for NFC, and a Qualcomm MDM9625M LTE Modem that supports speeds of up to 150 Mbps. Specifications for the larger 5.5-inch iPhone remain unknown, but the device will likely include many of the same components.