Women women women!

She has been in your life since you are tiny in her womb. Her scarifice is paramount to bring you to the world. Either she being “house manager” which the backbone of the family or working in the tough world. She always that for you.  Being mum, wife and may be an Engineer , all the struggles sometimes have it’s up and down.

 

I said, that’s life (that’s life) and as funny as it may seem
Some people get their kicks
Stompin’ on a dream
But I don’t let it, let it get me down
‘Cause this fine old world it keeps spinnin’ around
I’ve been a puppet, a pauper, a pirate
A poet, a pawn and a king
I’ve been up and down and over and out
And I know one thing
Each time I find myself flat on my face
I pick myself up and get back in the race
That’s Life
Song by Frank Sinatra
My salute to a creation called woman so a special gift to fuel their motivation  I would like to share a motivation  e book to them, so never give up especially “A WOMAN ENGINEER “

Mental Health a major concern in coming years among Malaysian Students?

Definition of Depression

Depression (major depressive disorder) is a common and serious medical illness that negatively affects how you feel, the way you think and how you act. Fortunately, it is also treatable. Depression causes feelings of sadness and/or a loss of interest in activities once enjoyed. It can lead to a variety of emotional and physical problems and can decrease a person’s ability to function at work and at home.

Depression symptoms can vary from mild to severe and can include:

  • Feeling sad or having a depressed mood
  • Loss of interest or pleasure in activities once enjoyed
  • Changes in appetite — weight loss or gain unrelated to dieting
  • Trouble sleeping or sleeping too much
  • Loss of energy or increased fatigue
  • Increase in purposeless physical activity (e.g., hand-wringing or pacing) or slowed movements and speech (actions observable by others)
  • Feeling worthless or guilty
  • Difficulty thinking, concentrating or making decisions
  • Thoughts of death or suicide

Symptoms must last at least two weeks for a diagnosis of depression.

Also, medical conditions (e.g., thyroid problems, a brain tumor or vitamin deficiency) can mimic symptoms of depression so it is important to rule out general medical causes.

Depression affects an estimated one in 15 adults (6.7%) in any given year. And one in six people (16.6%) will experience depression at some time in their life. Depression can strike at any time, but on average, first appears during the late teens to mid-20s. Women are more likely than men to experience depression. Some studies show that one-third of women will experience a major depressive episode in their lifetime. (https://www.psychiatry.org/patients-families/depression/what-is-depression)

In Malaysia, mental health cases have increases up 40% (read it in latest newpaper articles) due to concern in Malaysian citizens in recent years.

In newspaper excerpt following Mental health of Malaysian students cause of worry: Health Ministry causes me to worry more on my children development in coming years. Following are details of the paper excerpt

Experts cite anxiety and depression as the main causes of mental health problems among students although not ruling out the influence of drugs as a factor.

One of them, Dr Mohd Suhaimi Mohamad, said a prolonged state of mental health problems could make students become withdrawn, suffer from schizophrenia and develop the inclination to commit suicide.

The tendency to take one’s own life could become more severe if the mental health problems were not addressed within a period of two years, he said, adding that this was a serious matter that was often neglected.

Referring to the causes, Dr Mohd Suhaimi said anxiety developed from trauma, emotional disorders such as bulimia, developmental disorders such as hyperactivity, behaviourial disorders and severe stress due to family problems.

He said anxiety could be attributed to pressure of examinations that might instil fear in students.

“Low self-confidence as a result could cause a student to be in a state of worry and stress, coupled with the pressure from parents and teachers who drive them to be competitive.

“Besides studies, the fear of embarrassment over any matter could push students towards extreme consternation,” he told Bernama.

In a state of restlessness, a student would normally experience heavy sweating at all times and a pounding heart, inability to sleep at night and insomnia that could take a toll on his or her health if these were to prolong, he said.

“Depression, on the other hand, makes an individual isolate himself or herself from others,” Dr Mohd Suhaimi said, adding that the signs of extreme depression were sudden mood changes that led to extreme anger.

This could also occur due to heredity factors inherited from family members with mental health problems, he said.

Dr Mohd Suhaimi did not rule out the possibility of mental health problems stemming from the pressure from parents for their children to excel in the academic field.

“Parents should help their children live a normal life and not force them to study solely to meet their own expectations,” he said.

Dr Mohd Suhaimi said that once a child was diagnosed to have a mental health problem, treatment could be administered through the biopsychosocial way with an individual interacting with the patient so that the latter did not feel isolated and did not act aggressively.

“Besides, the administration of medication regularly can control and prevent a person from sliding towards mental illness,” he said.

He also said that the individual should be given guidance and support by those around him or her, especially parents, to rebuild his or her confidence.

“Parents should extend support and encouragement to children with mental health problems to prevent the condition from worsening,” he said. — Bernama

Consultation: Underprivillage Community Water Supply

After a few visit to site and geophysic testing on the Site on last Jun 2016. The consultation and research team members have decided to choose Vertical Tube Well as to increase the quality and quantity of Orang Asli Kg. Air Pasir Kluang water supply. Although there is existing vertical tube well, however the quantity of the water a bit short to fullfill the needs. Based on the Geophysical investigation using Resistivity testing. The team had concluded a new location of vertical tube well intake should be installed.

Bengkel Pengurusan Jenazah

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Bagaimana nak beli RUMAH A – Z?

Mungkin ramai yang tak berani beli rumah sebab tak tahu proses dan prosedur yang terlibat.

Sebab terlampau baru, ramai yang tak berani nak bertindak sebab tak tahu selok-belok membeli rumah pertama.

Takut pula kalau “terkena” nanti. Ya lah, banyak duit boleh lebur kalau tersalah langkah kan?

Kalau ini masalah korang, Tok cadangkan untuk teruskan bacaan sampai habis.

Tuan Arif Hussin ada kongsikan tutorial membeli rumah secara komprehensif dan mudah nak hadam. Semoga ia bermanfaat buat korang semua.

Anda dijamin berani bertindak bila dah tahu prosedur ini.

Prosedur beli rumah mungkin asing bagi korang yang bercadang membeli hartanah pertama.

Membeli hartanah secara amnya, melibatkan 5 langkah:

  1. Membuat persediaan pembelian,
  2. membuat tawaran,
  3. mendapatkan khidmat guaman dan pinjaman,
  4. menandatangani perjanjian,
  5. Urusan pindah milik.

Mengetahui prosedur adalah penting kerana ianya dapat:

  • Membantu anda membuat perancangan, dan
  • Mengelakkan kelewatan yang boleh menyebabkan kerugian.

Dalam tutorial kali ini, saya akan berkongsi tentang jangkamasa dan prosedur membeli hartanah.

photo13861534957677347

Apa yang anda perlu sediakan sebelum membeli rumah? 

Korang dah bersedia bersedia untuk membeli rumah, kalau cukup syarat di bawah ini:

  1. Ada 10% tunai dari nilai rumah untuk deposit (30% deposit untuk rumah ketiga dan seterusnya). Untuk pengeluaran KWSP, kebanyakan pemilik masih memerlukan korang membayar deposit dahulu & kemudian baru buat pengeluaran,
  2. Ada tunai 4% dari nilai rumah untuk kos guaman dan duti setem,
  3. layak buat pinjaman dengan bank atau perunding hartanah,
  4. Untuk pinjaman sedia ada (pinjaman peribadi, kad kredit), korang dah urus bayaran dengan baik dan tak ada sebarang kelewatan,
  5. jika berkerja tetap, status perkerjaan korang dah confirm sebagai pekerja tetap, atau melebihi 6 bulan,
  6. dokumen untuk permohonan pinjaman dan guaman lengkap,
  7. mesti ada sedikit komitmen. Kalau bersih, tak pernah ada pinjaman, susah juga bank nak terima. Dapatkan credit card, guna sikit, bayar terus dalam tempoh grace period yang ditetapkan.

Masuk pula bab surat tawaran.

Setelah memilih hartanah untuk dibeli, korang akan menandatangani surat tawaran.

Korang dinasihatkan supaya meneliti terma-terma dalam surat tawaran tersebut.

Korang juga akan membuat bayaran sebanyak 3% sebagai wang tanda jadi, atau booking fee dekat agensi hartanah.

Agensi hartanah akan bertindak sebagai pemegang amanah. Ini bagi memastikan wang diurus dengan selamat dan adil.

Tip elakkan booking fee anda hangus begitu saja.

  • Pastikan kita berurusan dengan perunding hartanah berdaftar. Minta mereka tunjukkan tag & business card,
  • Kalau beli terus dengan pemilik, wang tanda jadi dibayar dekat peguam sebagai pemegang amanah,
  • Baca, teliti dan patuh klausa perjanjian (offer to purchase),
  • Pastikan kita layak meminjam berkadaran dengan harga rumah. Letak klausa wang tanda jadi (booking fee) akan dipulangkan kalau pinjaman tak lulus.

Macam mana nak dapatkan khidmat guaman dan pinjaman perumahan?

Apabila tawaran dipersetujui pemilik, kita perlu mendapatkan pinjaman jika belian dibuat melalui pembiayaan.

Selain itu, kita juga perlu mendapatkan khidmat guaman untuk mengurus pindah milik hartanah dan pinjaman.

Untuk kemudahan, kebanyakan ejen hartanah boleh membantu untuk menghubungkan pembeli dengan peguam dan juga jurubank.

Tip memilih peguam yang ohsem.

Peguam ni ada kepakaran masing-masing.

Seeloknya pilihlah yang berpengalaman dalam mengurus jual beli hartanah.

Jangan tergesa-gesa dalam memilih. Terutama kalau kita pakai pinjaman kerajaan yang perlukan banyak bantuan dari mereka. Minta pendapat rakan taulan atau perunding hartanah.

Siapkan dokumen ini sebelum buat pinjaman perumahan.

Untuk mereka yang berkerja tetap, berikut adalah senarai dokumen yang perlu disediakan untuk memohon pinjaman perumahan dan juga untuk tujuan guaman:

  • Salinan kad pengenalan,
  • slip gaji 3 bulan,
  • bank statement 3 bulan,
  • EPF statement dan /atau borang EA,
  • dokumen sokongan untuk pendapatan sampingan (sewa, ASB, atau lain-lain),
  • Surat tunjuk minat membeli rumah (surat tawaran / tunjuk minat / booking form).

Tiba masa untuk tandatangan surat perjanjian.

Dalam tempoh 14 hari berkerja selepas surat tawaran dipersetujui, anda dan pemilik akan menandatangani perjanjian jual beli atau Sales and Purchase Agreement (S&P).

Kita juga perlu membuat bayaran baki 7% kepada peguam. Wang tanda jadi 3% ditambah dengan baki 7% ini menjadi deposit 10% untuk rumah tersebut.

Proses uruskan pindah milik hartanah jenis pegangan bebas (freehold).

Kemudian, proses pindah milik bermula. Proses ini diurus dengan bantuan peguam dan perlu diselesaikan dalam tempoh 90 hari.

Bayaran baki 90% harga hartanah juga perlu dibuat oleh kita atau bank dalam tempoh ini.

Untuk hartanah berstatus hakmilik kekal atau ‘freehold’ tempoh 90 hari ini bermula dari tarikh perjanjian jual beli.

Apa nak buat kalau hartanah itu bukan jenis pegangan bebas (freehold)?

Ini adalah berbeza untuk hartanah selain freehold. Contohnya hartanah:

  • Berstatus hakmilik pajakan (atau leasehold),
  • geran induk belum disempurnakan.

Pindah milik untuk hartanah ini perlu mendapat kebenaran dari pihak berkuasa negeri atau pemaju.

Proses ini boleh memakan masa antara 1 hingga 6 bulan. Tempoh 90 hari untuk menyelesaikan pindah milik hanya bermula setelah kebenaran diperoleh.

Apa akan jadi kalau terlewat?

Kalau proses pindah milik dan bayaran 90% baki harga hartanah tak diselesaikan dalam tempoh 90 hari, pembeli akan diberi tempoh tambahan 30 hari.

Dalam tempoh ini pembeli dikenakan penalti, amnya pada kadar faedah 8% setahun.

Ambil kunci rumah.

Setelah kesemua proses ini selesai, pembeli akan menerima kunci rumah daripada pemilik.

Macam mana? Masih rasa susah lagi ke nak beli rumah?

Tok yakin korang semua orang yang bijak belaka, yang nak ubah nasib kewangan diri sendiri dan keluarga. In Shaa Allah dengan ilmu ini, korang lebih berani bertindak selepas ini.

Normal. Manusia takut pada sesuatu perkara yang mereka tak tahu. Dan sekarang, korang dah tahu. Tok yakin korang dah tak takut macam dulu. Jadi, tunggu apa lagi?

Artikel Asal: http://gilahartanah.com/beli-rumah-pertama-dari-mula-sampai-dapat-kunci/

Bila Sesuai beli Hartanah di Johor – BERNAMA Session

Temuramah di BERNAMA 24 bersama tuan bri (Mentor Pelaburan Hartanah Muslim) berkenaan dengan hartanah di Johor. Di dalam temuramah  30 minit membincangkan potensi pelaburan hartanah terutama di Johor Baharu.

Diantara perkara yang di kupaskan adalah:-

  1. Di mana kawasan sesuai?
  2. Bila sesuai membeli?
  3. Adakah Johor Bahru sahaja kawasan yang sesuai?
  4. Berapa modal yang di perlukan?

Dengarkan kupasan pendek ini di bawah:-

 

 

Kupasan penuh boleh muat turun di http://bit.ly/BERNAMA24HartanahJohor

Khidmat Masyarakat: Draf awal Pembangunan Surau Al Taqwa

Di dalam meningkat kapasiti Surau Al Taqwa , Bandar Baru Kangkar Pulai  dari 300 orang ke 1200 orang. Pihak pengurusan Surau Al Taqwa telah merancang draf awal pembangunan. In Sya Allah moga perjalanan pembangunan ini berjalan lancar.

Khidmat Masyarakat: Kangkar Pulai

Sebagai orang yang di beri tanggungjawab menguruskan Surau Al Taqwa di Kangkar Pulai. Adalah tanggungjawab saya dan rakan jawatankuasa merancang pembangunan fizikal, rohani dan kebajikan.

Pada 10 Mac 2016, kami (AJK Surau) di Surau Al Taqwa telah berusaha membantu satu keluarga fakir miskin di mana terdiri daripada 11 ahli keluarga. Kedua – dua ibu bapa tidak bekerja dan ada antara anak anak yang tidak bersekolah. Yang menyedihkan adalah salah seorang bayi keluarga ini di sah tidak cukup zat untuk penumbuh besaran. Bekalan makanan dan air amat terhad. Sokongan fizikal dan moral amat di perlukan oleh keluarga ini.

Bagi yang ingin lebih ramai asnaf menerima bantuan di kangkar pulai boleh menghubungi Tuan Wagiman Ederis 012-7948076 atau layari bit.ly/altaqwa

 

English

As a person who was given the responsibility on managing the Surau Al Taqwa in Kangkar Pulai,
Johor . It is the responsibility of  committee members and me, on the planning the 
development of the physical , spiritual and welfare .

On March 10, 2016 , we ( AJK Prayer ) at Surau Al Taqwa was trying to help a poor family 
which consists of 11 family members . Currently the parents do not have a permanent work and 
some of the children are not in school .  Moreover, the youngest family member that is a baby  
baby of 6 months has been confirmed by the doctor required further intensive care on his diet . Food supplies and water are scarce.
Physical and moral support is needed by the family .

For those that have further information on the ASNAF in Kangkar Pulai may contact 
Mr. Wagiman 012-7948076 or visit bit.ly/altaqwa