Monday, August 29, 2011

Malayu girls: Time, time and time again.

"Time heals everything. It does. I never used to be a strong believer in that saying, but now I believe in it 110%. Everyday, you make tiny improvements to becoming happy again, you may not even notice those tiny things, but you start to become stronger and more dependant on yourself. Everyone will go through something that hurts them. It may be losing someone who they used to love which shall break their heart into a million little pieces. At that point, you wonder to yourself who am I? What did I do wrong? Why me? You start to analyse moments between you two, wondering what went wrong, searching for signs. Wondering, how could you miss the signs? You hate yourself for not noticing the signs, because if you did, you probably wouldn’t be in so much pain right now. You become confused. Everything which you thought your life would be like, everything that you knew, changes, just like that. You’re left alone, lonely, questioning yourself and blaming yourself. Everyday seems like a constant battle between you and your emotions. Your head is telling you one thing, your heart is yearning for another. You wonder how you will make it through the day. But just look back on all those other times you’ve been hurt, you’re still here, aren’t you? You got through it. You may not have gotten over what happened but you picked yourself up from the ground.

One day that pain of losing someone will fade. It will. In a few weeks, a few months, a few years. One day you will be happy again. All thanks to time. Believe me. You will smile again and laugh again. Your happiness will shine through and you will look back on those sad times throughout your life and and you will thank them for making you a stronger person." - tumblr

Malay girl looking pretty in red dress

Malay girl looking pretty in red dress

Beauty of Muslim Girls In Hijab and Naqab

A British came to an Muslim Alim and asked

Why is it not permissible in Islam for Women to shake hands with a man?

The Alim said

Can you shake hand with queen ELIZABETH ?

British man said Of course not,there are only few people who can shake hand with queen Elizabeth

The Alim replied

Our Women are queen and queen do not shake hands with strange men

Amessage to Fake Modren and a slap to Westerns




A christian Guy asked a Muslim
Why do your Girls Cover up their body and hair ?
The Muslim Guy smiled and got two sweets ,he opened the first one and kept the other one closed .He thrown them both on the dusty floor and asked the christian
If I asked you to take one of the sweets which one you will choose?
The christian replied :The covered one
Then the Muslim Guy said that,s how we treat and see our women .........................

Silent message to muslim women







Why Al-Taib Mahmud Find Banjari .. ?

Cave ... if chapter kahwin divorce artist ambik pot cave lazy boy ... Article dah tau diorang tuuu very lives ... jer nak glamor more ... tu hampehhhh off .... hahaha ... mampuih pi kat depa ...

But this time ni .. ambik pot cave nak sikit nih penyangak Mamat perkahwinan article ..., why I salute the courage he had a 75-year-old dah kahwin brave young beb ... with pompuan age 29 years, part of the cave is fizikal salute 75 years of wrestling with fizikal 29 years ... hahaha .. Minah arab tuuu pulak ... perghhhh ... Could he ... the first was published once in the head during brain cave early kecoh2 perkahwinannya.

If the range Salleh Yaakob tu ... I do not wonder anymore because fizikal still capable of beb ... It's old fizikalnya penyangak dah feasible shroud beb .... that article laaa ... I salute these same parents penyangak Sarawak nih ... hahaha ...

Now in the age of almost 7 months already heard perkahwinan sok sek sok sek ... Under katil diorang something wrong ... hahaha .... may be read here sok sek old story penyangak household nih ... hahaha ....

Nothing is nothing lazy boy cave ambik old story of the household penyangak nih ... pi mampus laaaa ... kat him. Only mischief in the head hotak cave jer ... who said ...

Old Penyangak nih .. Al-Banjari should telephone households to save him ... and look at his decision ... who will lariiiiiii ..... must be the goat lubnan ran around the palace, screaming did not want to .. do not want to .... larat not dahhhh ... hahaha ... the old goat bleat sarawak tu pulak kekajongan tersemput2 in her pursuit of her .... hahaha ...

Al's known .... old goat is saying ... where the strong run, expect passion jer ... strong ... nak ubat strong berancuk laaaaa taxable meal .... muakakakaaaaa ....

Until now aspiring freelance tinggi2 gastric tu nak target ... jelah forget .... hahahaha ....!!!!


They said Sarawak's Chief Minister Taib Mahmud ensured the construction contract was awarded to Cahaya Mata, a large holding company that is majority-owned by Taib's family. Upon being awarded the construction contract for RM300 million, Cahaya Mata hired a subcontracting firm to complete the construction for RM220 million; Cahaya Mata (and the Taib family) pocketed the RM80 million ($22 million) difference.

Malaysia in the Era of Globalization #80

M. Bakri Musa

Yet despite that flourishing head start and seemingly workable system, Islamic finance later went into decline. It is instructive that the decline in Islamic economics parallels the decline in Islamic civilization.

Chapter 9: Islam in Malay Life

Reform in Islam

Islamic Financial Intermediaries

Trade had been flourishing for centuries in Arabia, immediately before and after the prophet’s time. All that buying and selling, together with the caravan expeditions, could not have taken place without there being a satisfactory financing mechanism. There must had been a system for connecting the owners of money (savers) and the users of cash (investors and traders). Yet despite that flourishing head start and seemingly workable system, Islamic finance later went into decline. It is instructive that the decline in Islamic economics parallels the decline in Islamic civilization.

Today Western financial institutions are preeminent. Western banks and other financial intermediaries did not develop overnight. They have been refined, modified, and strengthened over the centuries. The process continues to this day. Today’s banks are a far cry from what they were a century earlier. The essential ingredient to the success of banks is the faith people have in them. Absent that, not even the strongest institution could survive. All the regulations and innovations in banking serve only one purpose: to strengthen that faith and confidence.

Bank failures and runs on banks were common in America during the depression. Those events are thankfully rare today, in part due to the diligence of the Federal Reserve System and the Federal Depositors Insurance Corporation (FDIC), the regulatory agencies of the federal government, together with strengthened prudential rules on reserves, heightened fiduciary responsibilities, and improved auditing. These refinements have been incremental, each in response to specific problems and crises. Banks still fail today, but thanks to the FDIC, depositors (at least the retail consumers) simply transfer their accounts to another bank without any hitch. The system is by no means perfect, as was painfully demonstrated by the massive Savings and Loans scandal of the 1980s.

The spectacular economic achievements of modern societies are attributable to the efficacy and efficiency of their financial intermediaries. Countries that have efficient and stable financial systems advance; those that don’t, decline, as demonstrated by Thailand, Indonesia, and a host of Third World nations. To many thoughtful analysts, the Asian economic crisis of 1977 was in essence a crisis of the banking system.

Within the last few decades, Islamic-based financial institutions are trying a comeback. As with everything Islamic, the concept sells with Muslims. America now has mutual funds and mortgage companies run along Islamic principles. Even venerable Western banks like Citibank are entering the fray. Academic papers and conferences proliferate. Harvard’ Institute of Islamic Finance and Information Program (HIFIP), with intellectual contributions from its renowned business and law schools, has been organizing annual conferences for the last few years that brought in luminaries from all over.

Much has been said of Islamic banking in which supposedly no interest is charged. This is purely semantics. Sure these banks do not charge interest in the usual sense; instead they tack on “service” fees and points. In the final analysis there is still a cost for the loan. I can give someone a 0% percent loan but charge exorbitant points, commissions, or fees to recoup the cost (interest) of my capital. The end result is the same; the borrower pays a price and the lender gets a reward.

There are American finance companies that cater specifically to Muslim homebuyers who are squeamish about mortgage interest payments. To obviate this, the prospective homeowner goes into partnership with the company to buy the house. The homeowner pays 20 percent of the price and the company the other 80, as in a traditional mortgage. But instead of paying the mortgage as in a traditional loan, the homeowner pays a market rent to the company for use of the house, with 80 percent of the rent payment going to the company and 20 percent credited to the homeowner. Every few years the house is reappraised and when the total payments cover the cost of the house based on the latest appraisal, the house would then be transferred exclusively to the owner.

If the rental market declines, the homeowner will pay less every month, which would be to his or her advantage. But if the market appreciates, as it typically does, so will his rent, and he will end up paying more cumulatively. Not only that, the company gets to reap the bulk of the benefit (80percent) of the gains on the house’s price appreciation. So the consumer gets bilked twice, once in his higher monthly rent and second, in not getting the full benefit of the price appreciation. This is also an inherently a bad system as it creates a perverse economic incentive for the homeowner not to keep up or improve the house so its value would drop, and his payments would similarly fall. That is no way to run a modern economy! In addition, there are all those costs of the appraisals that are being borne by the homeowner.

In reality what these companies are doing is nothing than more an equity-sharing scheme. This has not caught on in America precisely because of the perverse economic incentive. A more popular variation of equity sharing is where the homeowner goes into partnership with a friend or family member to pay for the down payment and then together they would secure a traditional mortgage. When it is time to resell the house, the profit would be shared based on their contributions towards the down payment. With this scheme, there is still the issue of interest payments on the mortgage.

With a traditional mortgage in America, if the borrower is unable to keep up with the payments, he could sell the house and whatever is left after he paid off the loan balance is his to keep. But if the value of the house were less than the amount owed (as had happened in declining markets), and the bank forecloses on the home, the borrower would not be saddled with the outstanding balance. This is because all home mortgages have a “non recourse” clause. The borrower would lose only what he has paid into the house (his equity). So if the concern of the Islamic groups that borrowers would be saddled with debt payments forever, than there could be a similar “non recourse” clause in selected loans like study loans and loans for one’s primary residence.

Similarly if the borrower is unable to repay the loan because of a legitimate reason like illness or death, the loan contract could be designed to cover such eventualities. Many loans now have mandatory disability and life insurance policies attached to them to cover such calamities. But insurance too is anathema to traditionalist Muslims, but I will come to that shortly.

I have a traditional home mortgage and I am quite comfortable with paying the interest on it. I rationalize the interest I am paying as being the rent for the house, and the principal as the payment towards the house. Technically this is correct as the bank has priority over me to the title of my house.

Most of the activities carried by Islamic “banks” are really not the proper purview of traditional banks. Thus leasing (Ijaara), another common service provided by Islamic banks, is done in America by finance companies or directly by the dealers and manufacturers. Islamic bankers also make a big deal on the supposed difference between leasing, which is halal because there is no interest, and traditional loans and mortgages, which are haram because of riba. But this is a meaningless difference. I could easily convert my mortgage into a long-term lease with the same terms, and at the end of the “lease” (mortgage) I would have an option to buy my property at an agreed upon nominal price. One could just as easily calculate the imputed interest rate on all leasing arrangements. Similarly, the profit sharing and “equity participation” lending that Islamic banks partake are properly the function of mutual funds and venture capital firms rather than banks.

By using the familiar term “bank” to describe activities that are properly the purview of other non-bank institutions, proponents of Islamic banking are misleading consumers. All these deferred sales, service charges, and lease payments are nothing but euphemisms for the cost of borrowed funds, more commonly referred to as interest. As Islamic banks do not function like a traditional bank, they should not use the label “bank.” Instead they should use the more generic term, Islamic Financial Institutions (IFI), so as not to mislead the public. I would not however, recommend the acronym “iffy!”

It is time to stop buying into a lie

But if you were to believe the Prime Minister writing in his blog, Sabah and Sarawak were only states that joined an already existing country! Surely the Prime Minister of Malaysia would know history and know how his own country was formed? It is plain that history is deliberately being re-written.

By Being Vernon

May I be honest?

I am sad. I am sad because I am told by my government that I must celebrate the Independence Day of my country on the 31st of August. But what is so wrong about this that it makes me sad?

Let me tell you. If you don’t like dry and boring history lessons, you can leave my blog now. But if you have ten minutes to spare, read on.

The Federated States of Malaya which comprised all the nine Sultanates, Malacca and Penang were given their independence by Great Britain on the 31st of August, 1957. The photo below records the historic event. It is the iconic image of Tunku Abdul Rahman proclaiming independence for Malaya. Yes, MALAYA. Not Sarawak, not Sabah, but MALAYA. And this date became known as MERDEKA DAY. For the Federated States of MALAYA.

Then, six years later, Sarawak was given her independence. On the 22nd of July, 1963. Bet you didn’t know that the 22nd of July is an historic date for Sarawak, huh? Of course you wouldn’t. It has probably been wiped off the official history text books, or glossed over during history classes. But if you buy a copy of the Sarawak Government Almanac, it’s there in black and white. The British gave up Sarawak on the 22nd of July, 1963 and on that day we became an independent nation. A country all of our own. Our own flag, our own anthem and even our own money!

Then, fifty five days later, after the British granted her independence, Sarawak, together with Sabah, Singapore, and the Federated States of Malaya came together to form a new nation called MALAYSIA on the 16th of September. This date, the 16th of September, 1963, came to be known as MALAYSIA DAY because it was on this historic day that a brand new country was born in the world. (Singapore got ‘kicked out’ later but Malaysian history books politely claim she decided to withdraw from the new nation. Brunei was also involved in the discussions to form Malaysia but it too decided against the idea.)

However, gradually, Malaysia Day became forgotten through, I suspect, a subtle and systematic process of brainwashing on the part of the Barisan Nasional government. More and more emphasis was placed on Merdeka Day and Malaysia Day was ignored, its significance eroded and displaced by Merdeka Day. Merdeka Day became a public holiday, and the whole country began to get caught up in celebrations come every 31st August.

Young Sarawakian school children were, and still are taught to wave flags and jump for joy come 31st August because on this date Malaysia achieved her independence. Now if you have been paying attention, you will obviously have noticed that there is a factual error in the previous sentence. Malaysia DID NOT achieve her independence on the 31st of August, 1957 simply because Malaysia had not existed yet! It was only Malaya which achieved her independence on the 31st of August, 1957; Malaysia was only formed six years AFTER Malaya achieved independence.

The date 31st of August means very little to me as a Sarawakian and yet I am told by my government to honour this date on the basis that I am a citizen of Malaysia and therefore as a proud and loyal Malaysian, I should jump and shout for joy that Malayans received their independence on the 31st of August despite the fact that I am also a Sarawakian and this date has little significance to me. This date did not affect my beloved Sarawak in any way whatsoever and has never been part of its rich history, so what is there to celebrate or what memory is there to honour and cherish for a Sarawakian? Sarawak achieved her independence on the 22nd of July but the government does not give this date any due recognition. Instead, I am to celebrate a date which has more significance for my fellow Malaysians in West Malaysia. That is why I am sad.

Malaysia Day, the 16th of September, 1963, however, means a lot to me. It was the date my beloved Sarawak became a part of a new nation, standing tall and proud in the world amongst other independent nations. Shouldn’t this date when we officially became a country take centre-stage in our history as a nation?

And yet, it was only last year that the Barisan Nasional government decided to recognise Malaysia Day and grant it ‘public holiday’ status. And only because Pakatan Rakyat ‘reminded’ the BN government. It actually took the BN government forty-seven years to recognise Malaysia Day officially!

But the question on my mind is why did the BN government try to sweep Malaysia Day under the carpet and dispatch it to the annals of history to be conveniently forgotten? And why do I suspect that there is a conspiracy going on to distort and blur the story of the formation of Malaysia?

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