It is a not a magic formula.
Yet I am highly confident, if you read and apply the strategies that I am about to share. It will work like magic for you! Allah Ya Mujeeb! (Allah The Responsive One)
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1) Work as if….
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First thing first you have to understand this.
In business, people pay for value.
How much you are paid commensurates with the value you deliver to the marketplace.
What I want you to do
Be it if you are self employed OR a full time employee….
If you earn $2000/mth, work as if you are paid $4000/mth.
If you earn $5000/mth, work as if you are paid $10,000/mth.
If you earn $10,000/mth, work as if you are paid $20,000/mth.
Yet sometimes, I have people who told me.
I work for more than I’m paid.
“My boss doesn’t appreciate me. Pay increment is not in his dictionary.”
Well…
If you are an employee, it is time for you to build up your emergency funds (6-12 months expenses), and find a new boss.
If you are a business person, it is time for you to review your business strategies.
Yet, 1 common denominator that I strongly advocate is HARD WORK. ‘Man Jadda, Wa Jadda’ whoever strives shall succeed.
The more value, you deliver, the more money you make.
Below is an idea I get while reading Russel Brunsen’s book, and I find it super relevant.
It is called the “Value Ladder”.
I call it, “The More Value You Give,The More Money You Make“ Financial Ladder. 🙂
(“The More Value You Give,The More Money You Make“ Financial Ladder)
When you are at work, always, always EXCEED expectations.
Deliver more value than you are required to.
Do your best wherever you are! And in whatever you do!
Soon, Allah S.W.T. will show you the path to people who will pay you for what you are worth. Insya’Allah
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2) Mix with people who earn double or triple your income
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In your industry, definitely there are people earning double or triple your income. Make friends with them.
Okay. If they are self employed like you.
Yet earn double or triple your income.
They know something that you don’t.
They think differently from you.
Yet, most probably they are busi….er than you.
Eat the humble pie.
Make it easier for them to help you. Give first.
Add value to their business first. Then seek help.
Most people called it “Law of Reciprocity”. I call it, “You help me. I help you.” concept.
It works. 🙂
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Another super fast way for you to mix with people who earn double or triple your income is to join personal development/ investment or business seminars.
Usually for seminars, they have success stories.
They have testimonials.
Better still, if they have rag to riches story.
Last time, Person A was not doing so well.
Alhamdulillah after joining a certain seminar, Person A is now doing well. Learn wholeheartedly from the seminar, and make a conscious effort to befriend “Person A” and others.
What we want is the connection.
The circle.
Circle is important.
I know many parents who send their children to good schools because good schools have students with well connected parents.
And the students have a head start to becoming successful, well known, established individuals in the future. The parents want their child to have a good circle in the future.
If you want to double or triple your income, you can consciously alter your circle. I am not asking you to dump your friends!
I am asking you to make more friends with people who are MORE SUCCESSFUL than you.
It is like thermostat adjusting to a certain temperature.
Soon, you will realise that your income will match the circle of friends that you have just built from scratch.
Choose your circle carefully. Because your circle will shape who you become, and your family generations to come.
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3) Write down your gratitude list every morning when you wake up from sleep
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I read from “The Secret”.
They mentioned that to change your life fast:
Use gratitude to shift your energy.
When you put all your energy into gratitude, you will see miracles taking place in your life.
Joy attracts more joy.
Happiness attracts more happiness.
Peace attracts more peace.
Gratitude attracts more gratitude.
Kindness attracts more kindness.
Love attracts more love.
I learnt that as the “Law Of Attraction”. ………………….
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When I learn more about our beautiful religion Islam, I realize a bit of similarity. Allah S.W.T say in Surah Ibrahim, Chapter 14, Verse 7 If you are grateful, Allah will certainly give to you more.
I want you to write down your gratitude list every morning when you wake up from sleep.
Example how to write your GRATITUDE list:
Alhamdulillah, Ya ALLAH. I am grateful because I am alive today.
Alhamdulillah, Ya ALLAH. I am grateful because I believe Allah is God and ProphetMuhammad (Peace be Upon Him) is the messenger of God.
Alhamdulillah, Ya ALLAH. I am grateful because I have a loving family.
Alhamdulillah, Ya ALLAH. I am grateful because I have a fully paid car.
Alhamdulillah, Ya ALLAH, I am grateful because I like my job as a financial consultant. And I have very friendly and understanding clients.
and you have to remember this.
Allah mengikut sangkaan hambanya. (Muttafaqun ‘alaih).
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When you write your GRATITUDE list every morning,
you will attract the good in your life.
Because you thank Allah S.W.T. the goodness that you have in your life.
And you believe that Allah S.W.T. will continue to bring goodness in your life.
What you write, you think, you feel.
You say and do, they are DOA that Insya’Allah will be granted by Allah S.W.T.
Write good.
Think good.
Feel good.
Say good.
and do Good!
It will become a DOA.
Allah Ya Mujeeb! (Allah The Responsive One)
Grant the doa of all my blog readers reading my blog now.
Amin. Amin. Insya’Allah.
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4) Outsource
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If you earnestly do the first 3 actionable ideas I shared with you above, I assure your income will increase. Time will be my witness.
We are still focusing on the 1st step of Takaful.sg “Your Financial M.A.P.” model.
Make Money. So what can you do to Make More Money?
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The next idea is very relevant especially if you are self employed or running your business.
You have to understand this.
”’ You are not Superman.
You are not Batman. You are not Ultraman. Captain Planet.
Teenage Mutant Ninja Turtles. Or POWER RANGERS! (my favourite)
””
You and me. We are just normal human beings.
Normal human beings with our strengths and limitations~~~ Learn to OUTSOURCE!
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I remember one of the quotes of wisdom,by a Singaporean entrepreneur, Sant Qiu,
“Whatever you can do, you can do it bigger, better, faster……
with the right team.
So assemble the right team as early as you can and achieve bigger, better results FASTER!”
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Yes. Don’t work alone.
No man is an island.
Even if you follow the movies, you will realise something. Superheros nowadays don’t work alone! 🙂
Gone are the days, where Superheros have their own turfs.
Superman takes care of Metropolis.
Batman takes care of Gotham City.
Captain America, Thor, Hulk, Black Panther all have their own turfs.
Today, we see Ironman assemble his team and combine all these superheros together, to become AVENGERS!
As Avengers, they are now the elite team to guard the world and make it a safe place for all of us.
My question for you. Do you still want to work alone? 🙂
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Last time, when I have a goal, my brain will think this way. “How can I achieve this?”
Now with a team. I think this way. “How can my team and I achieve this?”
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5) Focus on 80:20
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When you focus on everything, nothing changes.
When you focus on one thing, EVERYTHING WILL CHANGE!
In you are in business, you have to realize that 20% of your activities give 80% of your results.
I define this as my “give me a lot of results” task.
I call it, “give me a lot of results” task because I know if I complete these tasks, I will get a lot of things done for the day!
So everyday, when I have my to do list, I will make sure that I complete my “give me a lot of results” task FIRST.
Then, everything else.
By prioritising to complete a task that matters FIRST, I assure you that you will be more productive. And in return your income will increase. I am very confident in that.
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6) Start your day early, don’t sleep after Subuh prayers and perform your Duha prayers
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All the successful people whom I’ve met and had the opportunity to ask questions, I realise they have common traits.
Common patterns.
Things that you can follow and model upon.
1st things 1st, they start their days early.They don’t go back to sleep after their Subuh prayers.
Secondly, Solat Duha.
If you feel too narrow in rezeki, pray 8 rakaat.
If not, 4 rakaat.
Minimum 2 rakaat.
Do it daily.
And consistently.
May Allah S.W.T. bless us with bountiful rezeki! Allah Ya Mujeeb! (Allah The Responsive One)
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7) Istighfar,
Avoid the Haram and Sadaqah
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Istighfar means I seek forgiveness from Allah S.W.T.
The more you Istighfar, Insya’Allah… the more rezeki you will have.
Refer to Surah Nooh, verse 10-12
Second thing is Taqwa.
Avoiding the Haram.
Do what Allah like, and Allah will give us what you like.
Have faith in Allah S.W.T.
And finally Sadaqah.
Strategy No 3, I shared with you about Law Of Reciprocity.
Give first and you shall receive back.
Law with reciprocity with a fellow human being on this earth is very different with law of reciprocity with Allah S.W.T. Law of reciprocity with a human being…1- 1 = 0
Today, you help me. Tomorrow, I help you.
We are done. We are even.
Law of reciprocity with Allah S.W.T. through our sadaqah jariah is different. Law of reciprocity with Allah S.W.T. … 1 – 1 = 10
You give 1, Allah S.W.T. will return you in 10 manifolds.
Bi’iznillah.
Continue to give value. Trust the process.
Make the world a better place to live in.
And Allah S.W.T. will path the way to people who appreciate you for who you are
and the services you offer.
Allah Ya Mujeeb! (Allah The Responsive One)
Grant the doa of all my blog readers reading my blog now.
Amin. Amin. Insya’Allah.
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Now… I hope you have benefited from my sharing on 7 Ways To Double Your Income, The Shariah Compliant Way in Singapore……
If you like to go to the next step of “Your Financial M.A.P” model, how you can accumulate and grow your money, the shariah compliant way in Singapore, I am always ready to help you.
I was watching the trending Netflix series on Marie Kondo, who is famously known as the tidiest woman in the world. Marie Kondo, from Japan is an expert in tidying things up.
It amazes me on how she has 6 months wait list for potential clients.
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I mean there are people in this world who want to learn her “life changing habits of tidying up”?
They want to learn seemingly simple tasks like…
How to fold your clothes. How to arrange your books.
How to get rid of clutter.
Or in her words… “getting rid of items that don’t spark joy.”
All in all using the KonMari method…
I was like, WOW!
I got intrigued and researched more about it.
And today, I will like to share with you my own version as an Islamic Finance Practitioner in Singapore.
Presenting….
“5 Ways To Marie Kondo Your Finances, The Shariah Compliant Way In Singapore...”
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1) Marie Kondo your haram financial instruments away
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First thing first, as an investor, we want to make money.
We want to make lots of them. The more, the BETTER!
Yet you and I know that we CANNOT set our qiblat on money alone.
We have to be aware on what is Halal.
And what is Haram.
Why?
Because we will be questioned during yaumul qiayamah.
For me once I learnt about shariah compliant screening methodologies, I Marie Kondo-ed away my non shariah compliant investments that have broken even.
And FOCUS my effort 100% on shariah compliant financial instruments.
When I know all the money that I make is Halal, it brings peace to me.
Or in Marie Kondo’s words, “It sparks joy for me!” 🙂
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2) Marie Kondo your past achievements away. What is important is now and the future.
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Some people say… Last time, there was an Islamic Bank in Singapore. Last time, there were MORE shariah compliant financial instruments in Singapore. Last time…..this and that.
I told them:
“If you want to talk about last time, I would say last time, my grandmother was also beautiful!!”
She is 90 years old now, so praising her for her physical beauty is not relevant now. 🙂
What we should be focusing now is the present. What can we do today as an ummah to uplift Islamic Finance in Singapore?
Focus.
Marie Kondo away your past glory. And focus on what we can do now.
And for our future.
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3) Marie Kondo your ego away
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You know. Sometimes, when I meet people.
They yayapapaya assume they know everything about Islamic Finance.
They think they know EVERYTHING!
When fact is, they barely know a thing.
To me Knowledge is power. Yet in order to receive it, one must first, be humble and ‘Marie Kondo’ one’s ego away.
Imam Syafi’i RA said,
“If you want happiness in this world,you need knowledge.
If you want happiness in the hereafter, you need knowledge.
If you want happiness in this world and hereafter, you need knowledge.”
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….and only when you are humble, open to learning new things, and when you are ready.
Your teacher will appear. 🙂
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4) Be thankful and Marie Kondo your negative thoughts away
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If you have watched the first episode, the “process” begins with you greeting your house first.
Communicate with your house. By thanking your house for always protecting you.
Appreciate what you have.
When you throw your clothes away, you must thank the clothes for letting you wear them. Thank your clothing item 1 by 1.
When you fold your clothes, take the opportunity to thank them.
I like Marie Kondo’s approach because I believe everything in this world is a creation of Allah S.W.T.
Be it our clothes.
Our house. Our money. The air that we breathe.
Everything is a creation of Allah S.W.T.
We have to be thankful for them.
I shared with my clients plenty of money saving tips.
And one thing, I told them is the importance of GRATITUDE.
You must feel thankful even if you manage to save $50.
$20. Or even $10.
Because Allah S.W.T. said in the Quran: “If you are grateful, I would certainly give you more”
I’ve always believed that every big success stems from us being grateful for our small success.
Small successes will attract big successes as time passes.
Allah will bless us with more wealth if we are thankful. We have to be thankful even for small successes. Celebrate all our wins! 🙂
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5) Marie Kondo your negative friends away and build deeper relationship with Allah S.W.T.
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Your circle is important.
Who you mix with everyday is going to determine who you become in the future.
Marie Kondo away your negative friends.
I am not asking you to cut silaturahim.
Just spend lesser time with them.
In addition to that, build a deeper relationship with Allah S.W.T.
Our financial planning partner in our life is not our wife.
Not our mum. Not our dad. Our financial planning partner is Allah S.W.T.
Build deeper relationship with Allah S.W.T. through our tahajjud prayers.
Through our taubat prayers. Through our hajat prayers.
Always Istighfar. Selawat.
Recite Al Fatihah. Ayatul Kursi.
Surah Al Ikhlas. Surah An Nas. Surah Al Falaq.
Surah Yasin. Surah Kahfi.
Everything we want to do…
Remember this…
” Allah first. Allah again. Allah always...
“
Allah says Allah is nearer to us than our jugular vein. (Surah Qaf, Verse 16) Allah knows best! 🙂
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Now… I hope you have benefited from my sharing on 5 Ways To Marie Kondo Your Finance, The Shariah Compliant Way In Singapore…
If you are seeking a mentor, coach, consultant to share with you practical aspects on how you can plan your finance, the shariah compliant way in Singapore, I am always ready to help you.
One of my favourite topics is on retirement planning.
Recently, a lot of people came to me asking for tips, strategies on how they can save money for their retirement.
In this blog post, I will share with you, 5 Most Important Rules To Halal Savings For Your Retirement In Singapore…
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Rule #1. Start Early
This is my story.
During my early years as a financial consultant, I always advise my clients of the importance and advantages of saving money EARLY for their retirement.
Yet at times, I myself faced challenges when I wanted to save money. I came out with lots of “EXCUSES”!
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“Alah… Wait lah… Im still young. YOLO!!!!
Enjoy first. Later, when I am in my thirties, then I will start saving for my retirement.”
“Alah…. My pay is so little now. Wait when my income increases to a substantial amount, then I will start saving for my retirement.”
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Yet deep down in my heart, I know that the best time for me to start saving money for my retirement is when I step into the workforce.
This is because, at that point of time,we DO NOT have high money commitments.
We don’t have a wife to give nafkah.
We don’t have children to provide for their daily living expenses.
We don’t have a house to pay for monthly mortgages.
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The facts and figures are as clear as daylight.
If you want to retire comfortably in the future.
No shortcuts! Start saving money for your retirement as EARLY AS POSSIBLE!🙂
(The hill gets steeper if you choose to procrastinate and delay your savings for your retirement)
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Rule #2. Follow A Proven System and Personalize It
As you know, I struggled to save money during my early 20s.
Yes. I had my savings account. (I opened one at that point of time because I knew the importance of saving money for rainy days. In Malay, we call it, ‘Sediakan payung sebelum hujan’)
Yet. My SAVINGS account is more like a TRANSIT account.
The money rarely stayed at one place.
It moved around.
And it seldom remained in the account.
How many of you are like that?
Man… The feeling was bitter.
Every 13th of the month, at 12am, my salary would be credited.
By 11pm, the same day, 3/4 of my salary was gone to pay bills.
I told myself back then.
“I want to be a MONEY MAGNET!
Not a MONEY REPELLENT!”
So what did I do?
I read books.
I found mentors. (Paid lots of $$$ to learn from them)
I followed proven systems that many successful people had followed.
You know some of those concepts.
Concepts like,
‘Save First and then Spend’,
‘Forced Savings’
‘Identify and Differentiate Between Your Needs and Your Wants’,
‘Invest in Equities, Bonds, Commodities, REITS, Properties, ETFs’
‘Robert Kiyosaki ESBI’ model
”
Coupled with my 3 year knowledge Diploma In Accountancy from Ngee Ann Polytechnic, I began to develop the right mix.
The right recipe. The right formulas.
It’s a bit like cooking Sambal Udang.
(picture from resepinannie.blogspot.com)
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You need to find the right balance.
The right amount of cili kering (dried chillies).
Tamarind.
Salt. Sugar. Prawns.
Everything in the right proportion.
And….
My small, little advice.
If you have found a recipe and a system that works well for you…
Don’t have ‘itchy fingers’.
Stick with it. Follow the system closely.
Repeat the process again. Again. And all over again.
Till you reach your retirement objective.
It is that simple.
Simple yet sometimes, difficult to follow.
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Yes. If you have been trying to save money, and failed numerous times.
Let me tell you 1 thing.
It is not your fault.
We are human beings. We have our own DNA.
We have our strengths. And we have our limitations.
So the key here is for you to personalise your plan.
This is HOW I PERSONALISED my retirement plan.
As a Muslim, I know that Allah S.W.T. determines my rezeki.
Everything that I do, can only happen with Allah’s will.
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Say: “Nothing shall ever happen to us except what Allah has ordained for us. He is our Mawla (protector).” And in Allah let the believers put their trust.)
Quran (Surah Tawba, Verse 51)
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Thus I made a decision, that whatever financial strategy that I am going to do.
I am going to do it the shariah compliant way. The Halal way in Singapore.
Because at the end of the day, its not all about strategies. Its about baraqah.
Its about seeking redha from Allah S.W.T.
I made up my mind.
I made a commitment.
I set myself to pursue knowledge to COMBINE the best financial planning practices in the conventional world and the Islamic Finance world.
I remember the story of “Rabbit and Tortoise”, that my teacher shared with me when I was in primary school.
You know the OVERCONFIDENT rabbit that lost the race to the tortoise.
The overconfident rabbit slept halfway, thinking he was fast.
He was quick. He was agile.
The slow tortoise will lose to him.
But lo and behold, the slow tortoise won the race because the slow tortoise was CONSISTENT.
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What I learnt from this story is that you can be the best financial wizard in the world.
You can have the best retirement strategies in place.
Yet, if you are not CONSISTENT in applying them.
Having enough money for your retirement will remain a far-fetched dream.
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I realise that a lot of people, treat money-saving habits like “hangat hangat tahi ayam.”
At first they get excited with the idea of retirement planning. But when they realize that it requires work, they feel let down.
Every other day, I have strangers asking my opinions on the latest get rich quick schemes.
Some asked for my opinion. Some asked for my endorsement.
(Something like this)
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I disappointed them by telling them in the face that there is no elevator to success.
You have to climb up the stairs.
I am a firm believer of ” Man jadda wajada, wa man zara’a hasada, wa man yajtahid yanjah ” Man jadda wajada, Siapa berusaha, dia dapat.
Man zara’a hasada means “sesiapa yang bercucuk tanam (Inshallah) akan menuai hasilnya.”
Man yajtahid yanjah means “sesiapa yang berusaha (Inshallah) akan beroleh kejayaan.”
and when it comes to savings for retirement. You have to CONSISTENTLY set aside a monthly amount for your retirement. Don’t touch that money. Don’t stop.
Because once you stop, you lose your momentum. And it will be difficult for you to start again.
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Rule #4. Be Flexible. Adjust
Along the way, we may face challenges.
Things don’t go as planned.
I always share with my clients. You draw a straight line on a piece of paper.
It may look straight in your eyes.
But how confident are you that, the straight line that you draw is really straight?
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In life, you need to be flexible.
I love this quote by Confucius.
Adjust the action steps.
Work with practitioners.
People who hustle and make things happen on the ground.
They devote their entire life perfecting their craft.
Be humble. Seek help from these people.
These people know the tricks of the trade.
And most importantly, they do it the legal way.
In short, we call them street smart.
If someone is doing better than you, its because they know something you don’t.
Be flexible. Model a proven winner. Copy someone who is making a mint right now.
If things don’t work for you, don’t shift your goals. Adjust.
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Rule #5. Don’t Give Up
We are lucky to be Muslims.
Because as Muslims, we believe in Allah S.W.T.
Whenever we face problems and challenges. Don’t place everything on our shoulders.
Remember what Allah S.W.T says
Innamalyusriyurah…
Setiap kesusahan, pasti ada kesenangan.
(Behind every difficulty is a blessing.)
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As Muslims, our 6th pillars of Iman is Qada and Qadar.
My mentor always reminds me of Qada and Qadar.
Qada is ketentuan from Allah S.W.T.
Sunatullah that Allah S.W.T. has set.
Example, for rainy days, one of the signs is that the sky turns dark. Cloudy.
And rain falls from the sky. Not from the surface of the earth.
If rain falls, we cannot stop that.
However, we can AVOID ourselves from GETTING WET. HOW?
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By opening an umbrella. Open and walk under that umbrella!
That Umbrella is Qadar. Which is our effort.
We cannot stop the rain (Qada) yet we can avoid getting wet by using an umbrella (Qadar).
Don’ be disheartened when you stumble and fall down while working towards your financial objectives.
Dust yourself up, stand and continue working towards your goals.
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Now… I hope you have benefited from my sharing on 5 Most Important Rules To Halal Savings For Your Retirement in Singapore.
If you are seeking a mentor, coach, consultant to share with you practical aspects on how you can protect your wealth using Halal Insurance in Singapore
OR
save, accumulate and grow your money the shariah compliant way in Singapore, I am always ready to help you.
Recently, a number of newly weds came to me asking my professional perspective on coverage against death, total & permanent disability and critical illness.
They feel a sense of responsibility. They are concerned for their loved ones should anything happen to them.
To me, this is GOOD news.
Because it reflects ONE THING.
It shows that the level of awareness on the needs for wealth protection in our Muslim community in Singapore has INCREASED significantly over the years.
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As we all know, all of us work to earn an income.
Income to feed our family.
To pay for our food.
Our housing mortgage installments.
Nafkah for our wife.
Allowance for our parents.
Basically to pay for our expenses.
We use our INCOME to pay for our living EXPENSES.
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………….. BUT….
What if one day we are no longer around ?
What if one day, we are totally crippled?
Totally paralyzed.
Not able to move at all?
What if critical illnesses were to strike?
Our Living Expenses will CONTINUE.
But Our Income will most likely STOP!
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Thus, today, I am going to share with you aspects on wealth protection.
I want to share with you…
. 5 Ways On How You Can Protect Your Wealth, The Shariah Compliant Way in Singapore.
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1) Be Healthy By Watching Your Diet
The Arabs of old said: The stomach is the home of diseaseand restraint is the basis of the remedy.
To me.
Fasting is the Answer.
I personally love the month of Ramadan.
After our stomach that has been working hard for the 11 months, Ramadan presents an opportunity for our stomachs to rest.
Other than the month of Ramadhan where we not only fulfill our religious obligation and get to rest our stomach,
I do my best to fast on the recommended (sunat) days in Islam.
I have created an infographic below that I personally use to take note of the recommended (sunat) days to fast.
Other than exercising restraint in my tendency to overindulge, it gives me an opportunity to accumulate good deeds (pahala) for the akhira in the future.
Other than fasting, our beloved Prophet Muhammad (Please And Blessings Be Upon Him) has taught us the formula for moderation when we eat our food. We should fill our stomachs with 1/3 of food, 1/3 of drink
And leave 1/3 for breath.
Prophet Muhammad (Please And Blessings Be Upon Him) said:
“No human ever filled a vessel worse than the stomach. Sufficient for any son of Adam are some morsels to keep his back straight. But if it must be, then one third for his food, one third for his drink and one third for his breath.”
Our body is an amanah from Allah S.W.T. on this earth.
We have to take great care of it by exercising regularly.
All of us know exercising is important.
It keeps us in shape. Makes us look better.
Makes us look younger.
Boosts our energy.
Help us lose weight and of course, lower risk of some diseases.
Most importantly, it keeps us alive.
A lot of people are rich. But what is the meaning of wealthwhen you can’t enjoy that plate of nasi minyak with rendang and ayam masak merah?
Or that slice of durian D24?
Because you are sick.
What is wealth when you don’t have the energy, the stamina to play “police and thief” with your children?
Panting.
Gasping for air just by chasing them around your house?
Safeguard your health by making time to exercise while you enjoy your wealth.
3) Be Healthy By Quitting Smoking
When I draft up the cashflow statement for my prospects.
Especially those heavily in debt, I like to narrow down to how much they can SAVE if they quit smoking.
Smoking is a very expensive habit in Singapore.
1 package of Marlboro cigarettes in Singapore is SGD$14 (I Google-d for the info)
$14 X 30 days = $420/mth
$420/mth X 12 months = $5040
That $5040, you can use to enjoy going on holiday to Europe with your loved ones.
(Pictures of me conducting Quit Smoking Campaign organised by Health Promotion Board)
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Besides that, smoking is bad for your health.
Smoking can cause fatal diseases such as pneumonia, emphysema and lung cancer.
Yes. Think about your love ones.
Seek help. Protect your wealth by being healthy.
Take the first step to quit smoking today.
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4) Hijama Cupping (Bekam)
This is something I personally do twice a year to remove toxic blood from my body.
(You can get a qualified Hijama specialist to assist you with this)
Hijama Cupping Therapy is a Sunnah of our beloved Prophet Muhammad (Peace and Blessings Be Upon Him)
Prophet Muhammad (Peace and Blessings Be Upon Him) said:
“Cupping is the most helpful procedure for human beings to cure themselves.”
(Sahih al-Bukhari 5357)
The importance of hijama in the divine guidance can further be stressed by the following words which were related to the Prophet SAW on the night of Israa (ascension to the heaven) by angels:
“O Mohammed, encourage your ummah (people) to do hijama (cupping)”. – Saheeh, Sunan Tirmidhi.
Abdullah ibn Abbas (may Allah be pleased with him) reported that the Prophet (Allah’s peace be upon him) said: “I did not pass by an angel from the angels on the night journey except that they all said to me: Upon you is cupping (hijama), O Muhammad.” [Saheeh, Sunan ibn Majah]
“The best medicine with which you treat yourselves is cupping, or it is one of the best of your medicines.” Or “The treatment for you is cupping.” [Bukhari: 5371]
5) Have a shariah compliant critical illness plan in place
A Malay proverb says, “Kita merancang, tuhan menentukan.”
We can plan on protecting our wealth by being healthy. By being fit.
Plan whatever we want.
Yet as Muslims, we believe in the 6th Pillars of Iman, Qada and Qadar.
If things are to happen, they will happen.
By the will of Allah S.W.T.
That is why after making Doa to Allah S.W.T.
and taking appropriate actions to maintain our health, we need to have contingencies in place.
Our family is an amanah from Allah S.W.T.
We need to take care of them. We need to have Plan B, in case Plan A doesnt work.
We need Halal insurance in Singapore, as part of our contingency plans if things happen.
Halal insurance in Singapore provides you with 2 pillars.
Firstly is Income Protection.
We earn Income to pay for our mortgage loan, our car and support our family.
Should death, total & permanent disability or critical illness were to strike, your income will STOP.
Yet, most of your expenses will continue.
Family needs to eat.
Utility bills still need to be paid for.
Who is going to fund that if you no longer earn an INCOME?
Halal insurance in Singapore will help you and your family.
Proceeds from Halal Insurance will help to pay for your living expenses, should death, tpd and critical illness were to occur.
And.
Alhamdulillah. If nothing happens.
If you are perfectly healthy. Perfectly OKAY during your retirement age.
Good News for you.
The plan has cash value.
You can choose to liquidate the money from Halal Takaful funds and use it as part of your retirement.
In short, Halal Insurance provides you with 2 pillars.
Protection and Cash Value.
My mentor used to tell me, “The difference between a poor old man and elderly gentleman is INCOME.”
You don’t want to depend on your children to fund your retirement goals.
You want to be proactive. You want to take charge of your life. Halal Insurance in Singapore is the solution! 🙂
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Now… I hope you have benefited from my sharing.
If you are seeking a mentor, coach, consultant to share with you practical aspects on howyou can protect your wealth using Halal Insurance in Singapore
OR
save, accumulate and grow your money the shariah compliant way in Singapore, I am always ready to help you.
Today is the 12th day of the Islamic month of Rabi’ al-awwal, which is our beloved Prophet Muhammad (Peace Be Upon Him)’s birthday.
We, Muslims believe that Prophet Muhammad (Peace Be Upon Him) is the last and final messenger of God.
Since young, when I read the seerah of our beloved Prophet, I am amazed at how much that we can learnt from him.
And today, I will like to touch specifically on 7 Good Business Habits of our beloved Prophet Muhammad (Peace Be Upon Him).
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1) Trustworthy (Al Amin)
Our beloved Prophet Muhammad (Peace Be Upon Him) was involved in trade since his early adulthood.
And he quickly gained the title Al-Amin (the Trustworthy).
Then he came under the employment of a well known businesswoman named Khadija bint Khuwaylid.
He was recommended to her by his uncle, Abu Talib.
“If you had requested this for the sake of a loathed stranger, I would have agreed. How can I refuse when it is for an honorable acquaintance?” she had said to Abu Talib, for she was also familiar with Rasulullah’s reputation.
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In Islam, we learnt that 9/10 of sources of rezeki (income) can be derived from business activities.
And in running our own business, we also seek the baraqah and redha from Allah S.W.T.
To get baraqah and redha from Allah S.W.T. in business, we need to have good character. We need to be Trustworthy.
It’s very easy to be greedy in trade, which is why a lot of cheating, cutting corners, riba and exorbitant pricing happen.
So if you want to seek baraqah and redha from Allah S.W.T., follow the steps of our beloved Prophet Muhammad (Peace Be Upon Him).
Being transparent, truthful and trustworthy is the first step to gain the trust of your clients and running a successful business.
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2) Always give salam to your customers/prospects
Abdullah ibn Amr (may Allah be pleased with both) narrated that a man asked the Messenger of Allah (Peace be Upon Him) regarding which aspect of Islam was better.
Prophet Muhammad (Peace Be Upon Him) replied:
“That you feed (others), say the greeting of salaam to those whom you know and those whom you don’t know”.
Start with, “Assalamualaikum” greetings with your clients and even with your prospects who you don’t know them personally.
“Assalamualaikum” means “Peace Be Upon You”.
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3) Smile
Smile is sunnah of Prophet Muhammad (Peace Be Upon Him).
Abdullaah ibn Haarith said, “I’ve never came across a person who smiled as much as Prophet Muhammad. Prophet Muhammad regarded smiling to a brother as an act of charity.”
Smiling is like a magnet that attracts rezeki for business people.
The more we smile, the more people will like us.
And we will also attract positive vibes and cheerful customers in our business. Insya’Allah. 🙂
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4) Avoid appointments during solat prayer time
“Verily, As-Salaah (the prayer) is enjoined on the believers at fixed hours”
[al-Nisa’ 4:103].
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Personally, I do my best to avoid my financial planning consultations during solat prayer time.
Subuh @ 5.28am
Zuhur @ 12.53pm
Asar @ 4.16pm
Maghrib @ 6.54pm
Isyak @ 8.07pm
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5) Doa
Prophet Muhammad (Peace Be Upon Him) said “Dua is the essence of Ibadah (worship).” (HR At-Tirmidzi)
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As Muslims, we believe that there is no middle man between God and his slaves. Any help we need, be it in business or life, we are to call unto him directly.
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God tells us:
“And your Lord says, Call upon Me; I will respond to you.” Indeed, those who disdain My worship will enter Hell [rendered] contemptible.” Quran 40:60
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And these are the 3 most mustajab time to make doa.
The Last Third Of The Night
Abu Hurairah (RA) narrated that Allah’s Messenger (SAW) said:
‘In the last third of every night our Rabb (Cherisher and Sustainer) (Allah (SWT)) descends to the lowermost heaven and says;
“Who is calling Me, so that I may answer him?
Who is asking Me so that may I grant him?
Who is seeking forgiveness from Me so that I may forgive him?.”‘ [Sahih al-Bukhari, Hadith Qudsi]
While Prostrating
Abu Hurairah (RA) narrated that Allah’s Messenger (SAW), said: ‘The nearest a slave can be to his Lord is when he is prostrating, so invoke (supplicate) Allah (SWT) much in it. [Muslim, abu Dawud, an-Nasa’i and others, Sahih al-Jami #1175]
Between Adhan and Iqamah
Anas (RA) narrated that Allah’s Messenger (SAW) said: ‘A supplication made between the Adhan and Iqama is not rejected.’
[Ahmad, abu Dawud #521, at-Tirmidhi #212, Sahih al-Jami #3408, an-Nasai and Ibn Hibban graded it sahih (sound)]
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6) The best humans bring the most benefit to other human beings
Prophet Muhammad (Peace Be Upon Him) said, “The best of people are those that bring most benefit to the rest of mankind.” [Daraqutni, Hasan]
That is why I always advocate that in whatever business or profession we do, continue to upgrade ourselves.
Perfect the effectiveness and efficiency of our systems. The quality of our service.
So as to provide the best value, the optimal benefit for our clients, our community and the rest of mankind. Insya’Allah. 🙂
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7) Understanding Muamalat and Avoid all forms of riba
As business people, when we study Muamalat, we need to pay close attention especially when it comes to practising business transactions.
Muamalat – Actions among men: This refers to how people interact with each other in their day-to-day affairs and dealings with people. This includes such things as trade, partnerships, laws, … as well as Islamic Finance.
Unlike Ibadat, a general principle that applies to Muamalat is that everything is allowed, except for what has been prohibited.Therefore as business people, we need to know the prohibitions. (Explanation adapted from Almir Colan)
Example:
– Prohibition of riba, maysir and gharar
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As you can see above, there are many things we can learn from our beloved Prophet Muhammad (Peace be Upon Him) when it comes to running our business.
In business, cashflow is king. Having money on hand is important.
Thus, if you will also like to discover aspects on how you can save, accumulate and grow your money the shariah compliant way in Singapore, you can always whatsapp/sms me at 96520134 to schedule a FREE consultation.
Or perhaps click here to schedule an appointment.
A certified financial consultant, Helmi Hakim has won praise for his patience, perseverance and practicality when solving his clients’ financial concerns. For more information on how you can manage your finances better, contact Helmi Hakim at 96520134.
