Hidden functions of mobile phone you may not know...

Hidden functions of mobile phone you may not know...

Fungsi Handphone Yang kita Tidak Tahu...

Tahukah anda bahawa telefon bimbit anda sedikit sebanyak boleh membantu dikala kecemasan.

Banyak perkara yang boleh anda lakukan, antaranya : -

 1) NOMBOR KECEMASAN

Sentiasa ingat bahawa nombor kecemasan untuk semua telefon adalah 112. Jika anda dalam kecemasan dan berada dikawasan tiada liputan untuk semua talian telefon bimbit yang anda gunakan, cuba dail nombor kecemasan 112. Ia boleh digunakan walaupun di kawasan yang tiada liputan dan lebih menarik lagi, ia boleh terus didail walaupun papan kekunci telefon bimbit anda dikunci ( Keypad lock )

 2) KERETA TERKUNCI

Pernahkah anda tertinggal kunci kereta dalam kereta dan kereta anda ketika itu terkunci dari luar. Mesti anda lakukan pelbagai cara untuk mendapatkan kembali kunci bagi membuka semula kereta anda. Jangan risau,telefon bimbit boleh membantu, tapi bagi kereta yang menggunakan system penggera (alarm) sahaja. Caranya, cuba anda hubungi seseorang yang berada di rumah. Minta dia ambilkan kunci pendua kereta anda. Kemudian pegang telefon bimbit anda dari jarak kira-kira 30 sm (satu kaki  dari kereta yang terkunci itu. Minta pula keluarga atau teman di rumah menekan punat ‘ ON ‘ pada kunci pendua kereta dan pastikan dia menekan dengan mendekatkan pada telefon bimbitnya. Pasti kereta anda tidak terkunci lagi, malah ia boleh dilakukan dari jarak beratus-ratus kilometer dari tempat kereta anda berada. Kerana itu juga, penting untuk anda menyimpan kunci pendua atau meminta orang yang anda percayai untuk menyimpannya. Penting juga penggunaan telefon bimbit dalam keadaan sebegini. Kaedah ini memang berkesan kerana beberapa orang telah mencubanya.

 3) KUASA BATERI TERSEMBUNYI

Mungkin ramai tidak tahu, telefon bimbit yang telah kehabisan bateri masih boleh digunakan dalam keadaan kecemasan kerana ia mempunyai fungsi untuk menyimpan bateri tambahan. Bayangkan jika bateri telefon bimbit anda sudah terlalu lemah atau mati sedangkan anda perlu melakukan panggilan penting atau berada dalam kecemasan. Telefon bimbit jenis Nokia didatangkan dengan bateri simpanan. Untuk mengatifkannya, tekan kekunci ‘ *3370# ‘ . Telefon bimbit anda akan berjaya dihidupkan semula dan skrin telefon akan memberitahu telefon tentang penambahan kuasa bateri sebanyak 50 peratus. Kuasa tambahan ini juga akan dicas semula bila anda mengecas telefon bimbit anda.

 4) TELEFON KENA CURI

Bagaimana jika telefon bimbit anda dicuri. Anda boleh menjadikan ia tidak dapat diaktifkan dengan menekan nombor siri yang terdapat di telefon bimbit anda, sila dail *#06# dan 15 digit nombor siri telefon bimbit anda akan tertera di skrin. Nombor ini adalah unik untuk setiap telefon bimbit. Catatkan nombor siri ini dan simpannya di tempat selamat. Bila telefon bimbit anda dicuri, anda boleh hubungi pusat servis telefon bimbit anda dan berikannya kod nombor siri tersebut. Mereka kemudiannya akan mengunci system dalam telefon bimbit anda dan sesiapa sahaja yang mencurinya pasti hampa kerana walaupun kad simnya telah ditukar, dia tidak akan berupaya mengaktifkan kembali telefon bimbit tersebut. Jadi, walaupun ia di curi, namun sekurang-kurangnya anda berpuas hati kerana si pencuri takkan boleh menggunakannya ataupun menjualnya.

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Islamic Finance: Time Value of Money, Islamic and Conventional Perspectives

ISSUE:

Some scholars in Islamic economics argued that the concept of time value of money is a key to the door or riba which is prohibited in Islam. However, some scholars are of the opinion that time value of money is a concept valid in Islamic economics. What are your opinions on this issue?

DISCUSSION:

Islam prohibits riba because riba deprives justice and discourage people from undertaking real economic activities. Profit earned from money that is loaned to debtor is considered as interest or usury. Riba gives a picture that money itself can earn profit (in the form of interest) by lending it to who needs it. The Quran forbids the charging of interest or riba on money lent. There are general consensus among Shariah economic scholars that riba is not only restricted to usury but encompasses interests as well.

Legally, from the Islamic belief, riba is strongly condemned by Allah. Allah said in the Quran “O you who believe, do not consume riba with redoubling and protect yourself from God, perchance you may be blissful.” (Al-Imran: 130). Islam does not recognize the earning from interest or riba derived from loan/borrowing activity was a fair business transaction.

Capitalist economic considers money as commodity and a resource for production. Therefore it has value or cost which is determined by several factors such as time preference for consumption, production opportunities and inflation. Thus, time preference embodies the concept that money to grow its value in future from the current time. This concept is called Time Value of Money.

The Time Value of Money (TVM) concept says that time has value. The principle of this concept is that money at present time is worth more than the same amount in the future due to its potential earning capacity. For example, person X who has money and does not use it either for real-economic investment activities or commercial trading, but lend it to other person Y payable in a year with 10% interest. Instead of reaping profit from business, X’s money grow 10% at the end of the year because Y has to pay X the principal plus 10% interest. The concept regards that the payment of interest is to compensate X for the opportunity loss he could get if he were to invest on other project. This means money borrowed for a period of time must pay rent. According to the Quran, this form of value of money is riba and sinful to anyone to take or give it.

Contradict to the TVM concept of the capitalist economy, Islam regards money could not grow because of time factor from lending activities. In Islam, money should be used for productive economic activities such as buy and sell or trade so that there is a circulation of money. The money will have to pay zakat (an Islamic type of zakat) if it left idle in save. An increase of value due to interest is prohibited but allowed if it derived from trade. Allah said “Allah has permitted trade and has forbidden interest” (Al-Baqarah: 275).

However, the time value of money is not ruled out in Islamic financial perspective as long as it is not part of lending relationship in which it is claimed as a predetermined value (Ahmad and Hassan, 2004).

Unlike conventional belief that regards money as a medium of exchange and commodity, Islamic economy defines money as the medium of exchange not the commodity. Money has no value in itself but represent a value for the commodity.

The concept of time value of money in Islamic finance is that called the Positive-Time-Preference (PTP). The consumption and production activities take time and to calculate the time value of money based on the real time that used for the activities as we known as ex-post in modern economics. The concept of PTP is supported by majority of Shariah scholars that the price for cash sale and credit sale can be varied. The example of the difference of price for cash and credit sale can be seen in Salam contract which price paid in advance for future delivery of good is less than cash and carry price.

Time is considered as a valuable economic resource that can be explained into two positions (Batcha, 2009):

(1)        Opportunity cost of postponing current consumption for future consumption; and

(2)       Opportunity cost of not being able to invest funds in productive activity.

Thus, compensation should be made for utility or possibility of earning a profit on funds.

In line with the Quran and Hadith teachings, Islam encourages people to pay their debts more than the amount borrowed which is purely voluntary as a token of gratitude and the incremental amounts denoted that Islam’s acknowledgement of PTP (Ayub, 2004).

In explaining the recognition of time value of money from Islamic perspective is that the compensation (conventional finance called ‘interest’) cannot be contractually predetermined because there is no certainty (gharar) in any outcome and the compensation is derived from the trading transactions that is ‘profit’ or out of courtesy by the borrower.

Based on the explanations above, majority of Islamic economist believe that economic agents in an Islamic economy will have a positive time preference and there will be indicators available in the economy to approximate the rates of their time preferences, generally determined by the preference in an Islamic economy, as made in a number of studies on investment behavior in the Islamic perspective (Ayub, 2007).

The important conclusion view is Islam is time value of money is acceptable in respect of the pricing assets and their usufruct. It is not acceptable with regard to any addition to the principal of loans or debts. Valuation of credit period based on the value of the goods or their usufruct is different from the conventional concepts of ‘opportunity cost’ or the ‘time value’ (Ayub, 2004).

Auditor General Report 2012

The Auditor General has out! The report for the year of 2012 was made available to public on 1 October 2013. Every time there is a report on how the government spends the tax payers' money, the public will cry and shocked! Why the government never learnt how to take care the people's money? Spending like nobody's business. 

We are sick, dissappointed with all these craps! From the Prime Minister, Deputy Prime Minister, Ministers, Secretary of the Government until Secretary Generals of the Ministries..all shut their mouths. So far, none of them (except Khairy Jamaluddin, Youth & Sport Minister) came out publicly condemning the wrong doings highlighted in the report. What a "Dayus" leaders Malaysia have!

Following are some of the most stupid things committed by government departments that are mostly related to wastages in procurement activities. 

RTM bought 5 units A3 Scanners for RM20,630.00. The actual price per unit was only RM1,000.00.

The Ministry of Health paid RM320,000.00 to the so called internet experts to train on how to administer social network accounts the Facebook and Twitter.

RTM membeli jam dinding berharga RM3810 berbanding harga pasaran RM100 kerana mahu membantu peniaga-peniaga jam tempatan.

Khazanah Nasional beli 55 lukisan pada harga RM3 juta. Kementerian Belia dan Suka pula bayar K-Pop RM1.6 juta.

More ghosts and rubbish can be found in the Auditor General Report 2012.

What can you say about these? For me, I say "Bodoh dan Dayus"!!!