Bugdet 2016 - Malaysia economy

As we know, recently our Prime Minister of Malaysia , Datuk Seri Najib bin Razak has presented a  essence of Budget 2016 Malaysia in a meeting in front of the row of parliaments at Dewan Rakyat on October 23, 2015. 

The among of the challenges despite the government's plan through the essence of the Budget 2016

• Malaysia 's economic growth would be slower in 2016 than in 2015 , which is only about 4 percent to 5 percent
• The time of superbowl the growth of China's economy from 11 percent to 12 percent in the past and in 2016 , China's economy will continue slow
• The impacts on  the export  of oil and other commodities will fall sharply 
• Finally , despite the impact of the depreciation of the Ringgit Malaysia

Before that lets together carefully look at the list of summaries essence of Malaysia's 2016 budget continues to Malaysians like this in simple language. Among them are:

• Budget theme: Enhancing Well-Being of People Living Malaysia
• The content and essence of the 2016 budget
• Total Budget 2016: RM267.2 billion
• 
  

The List of  summary that Highlights inBudget 2016 Malaysia

1)Budget 2016 Help Buy a House

• Help loan deposit to buy a home will be given to any who have never have a home
• There were 175,000 units of affordable housing PR1MA that 20 percent cheaper than market prices Malaysia and citizens can apply 

2) Budget 2016 Income Tax Relief

• If you sufficiency and responsibility of your parents no matter you live with them though, you are given a departure tax of RM1,500 for each mother and father
• Had departure tax for children aged 18 years and over who continue to study which studies begin in 2016
• Share your spouse does not work, you will be given the departure of income taxes increased from RM3,000 to RM4,000 after this
• Had departure tax for higher tuition fees have risen to RM7,000 compared to RM5,000 a month
• If your child is 18 or under, you are given a departure tax of RM2,000 compared with RM1,000 previously

3)List of Minimum Wage of Private Workers in Budget 2016 

• The minimum wage in Sabah, Sarawak and the Federal Territory of more than RM800 to RM920
• While the minimum wage in Peninsular Malaysia increased to RM1000 per month.
• They will begin July 1, 2016 later.

4)The essence of the Budget 2016 for Public Officers and Civil Servants

• Officials and civil servants can be a special payment of RM500 per person in January 2016
• Government pensioners will also be a special payment of RM250 per person
• Budget 2016 for civil servants and public employees, you will receive an annual salary increment follow up grade their scheme
• And even after the 252 civil service scheme involving 406,000 public servants will be improved
• While the minimum salary of civil servants will be increased to at least RM1,200 a month starting in July 2016 taking notice.
• After this, the rate of pension payments for civil servants will be set at least RM950 a month

5)List of Budget 2016 To Schoolchildren and Students of Higher Education

• RM100 school assistance given to you on the condition that family income does not exceed RM3,000 a month
• For high school students, 1Malaysia Book Voucher Program BB1M worth RM250 each will only be valid in the selected book stores

6)Summary of Budget 2016 Trim 5.0

• RIM 2016 household income between RM3,000 and RM4,000 a month rose to RM800
• BR1M single 2016 aged 21 years and above will be RM400
• RIM 2016 in the list of donations E consists of income you will receive RM1,000 and RM1,050 fee
• Death benefit scheme beneficiaries are given RM1,000 Br1m

What are the conclusion from economic experts regarding the essence of the 2016 budget ?

Okay.. well, if you remember the economist named Professor James Chin Malaysian, he had giving the conclusion of Budget 2016 at the University of Tasmania.

1. Populist is a budget that will not increase the confidence of the economic development in Malaysia
2. Investors do not like uncertainty about the outcome. Why?
3. Malaysia uncertain political situation behind 1MDB
4. While 1MDB and politics in Malaysia is still uncertain, investor sentiment will still remain weak      

So, what are your opinion and your response behind the essence of this Budget 2016? Joy and share :)

Current issue - PARIS ATTACKS

PARIS ATTACK  - ISLAMIC STATED BE ACCUSED

As we know, there are an issue about Paris had been attack and Islam be accused. What happened on the night? 

                                                 

Friday night's deadly attacks in Paris by gunmen and suicide bombers hit a concert hall, a major stadium, restaurants and bars, almost simultaneously and leaving at least 129 people dead and hundreds wounded. The attacks have been described by President Francois Hollande as an "act of war" organised by the Islamic State (IS) militant group.Shootings and bomb blasts left at least 129 people dead and hundreds wounded, with more than 100 in a critical condition."Three co-ordinated teams" appear to have been behind the attacks, according to Paris chief prosecutor Francois Molins.

French police have carried out more than 150 raids across the country, as the search for suspects continues. Raids have also taken place in the Belgian city of Brussels.This is how the attacks happened.

The first of three explosions occurred outside the Stade de France stadium on the northern fringe of Paris where France were playing Germany in an international football friendly.

A man wearing a suicide belt was reportedly prevented from entering the stadium after a routine security check detected the explosives. According to the Wall Street Journal, the man backed away from security guards and detonated the explosives.

The bomber and a passer-by were killed.

The game, attended by President Francois Hollande, was being broadcast on TV. After a second man detonated his suicide vest outside a different stadium entrance at 21:30, the president was rushed to safety.

A third suicide bomber blew himself at a fast-food outlet near the stadium at 21:53. The attackers all wore identical explosive vests. 

A Belgian national currently in Syria and believed to be one of Islamic State of Iraq and Syria’s most active operators is suspected of being behind Friday’s attacks in Paris, according to a source close to the French investigation.“He appears to be the brains behind several planned attacks in Europe,” the source told Reuters of Abdelhamid Abaaoud, adding he was investigators’ best lead as the person likely behind the killing of at least 129 people in Paris on Friday.

According to RTL Radio, Abaaoud is a 27 year-old from the Molenbeek suburb of Brussels, home to other members of the militant Islamist cell that carried out the attacks.

In February of this year, ISIS’s online magazine Dabiq carried an interview with an Islamist bearing that name and boasting of having traveled through Europe unnoticed by security forces to organize attacks and procure weapons.Abaaoud was also named in various media last year as the elder brother of a 13-year-old boy who left Belgium to become a child-fighter in Syria.

From the case, an Islamic state is being accused of being behind the attack in Paris have worsened the reputation of Islam itself. Therefore, we as a Mulim hope that the mastermind behind the attacks in Paris were not among the Muslim or Islamic countries .

Budget for universities decrease in year 2015 - Malaysia

Budget 2015 

As we know , there are an issue about the budget for universities decrease in this year than last year.

The government cut University Budget 2015 about RM1.046 billion ( 12.36% ) from RM9.146 billion in 2014 to RM8.1 billion in 2015.  

Education is the best investment for a country's development . Why the higher education sector of the country had " robbed of their money ." Is this another fairly radical saving projects by the year 2015. ? Actually there are a few reasons why this happen and government took this way to reduce the budget for universities.  

List of Public Universities University Deducted Budget 2015 .

• Universiti Tun Hussein Onn ( UTHM ) - Cut 35.36 %
• Universiti Malaysia Kelantan ( UMK ) - Cut 35.08 %
• Universiti Teknologi Malaysia ( UTM ) - Cut 23.78 %
• National University of Malaysia ( UKM ) - Cut 17:34 %
• Universiti Malaysia Sarawak ( Cal Poly) - Cut 16:51 %
• Universiti Sains Malaysia ( USM ) - Cut 13.88 %
• Universiti Malaya ( UM ) - Cut 11.11%
• International Islamic University Malaysia ( IIUM ) - Cut a 19.17%
• Universiti Malaysia Perlis ( UNIMAP ) - Cut 13.62 %
• Universiti Utara Malaysia ( UUM ) - Cut of 9.33%
• Universiti Sains Islam Malaysia ( USIM ) - Cut 8:06 %
• Universiti Teknologi Mara ( UiTM ) - Cut to 2.55%

Actually, the budget for education is not decreasing but there are a divided between two which is  school and IPTA budget. The government  decrease the budget for IPTA but they increase the budget for school education. The budget for school education increase about 1 billion is from IPTA budget.Before this, the school and IPTA budget are combined but now its separated.

LEGAL USE OF ELECTRONIC CIGARETTE / VAPOR

What are the legal of vapor or electronic cigarette?

ISSUE : The using of electronic cigarettes and vape or vapor is very prevalent among teenagers including girls with many reasons. One of the famous reasons is the electronic cigarette is a substitute product that can replace the real cigarettes for them to stop slowly by taking it. The reason seems like 'menghalalkan' the widespread of using the electronic cigarettes.

DEFINITION OF ELECTRONIC CIGARETTE :

Electronic Cigarette ( Electronic Nicotine Delivery System or e-cigarettes ) is an innovation of the conventional cigarettes into modern cigarettes. Nowadays, the electric cigarettes also know as vape or vapor.  

THE EXPERT PEOPLE'S OPINION :

• The amount of nicotine in the electronic cigarette is different depending on the statement written on the label. It can be between 6-8 mg per 1 ml of liquid (mg / ml) which is labeled at low concentrations. Some also contain 16-18 mg / ml (high concentration) or 24-36mg / ml (extra high concentration). But it must be known that if all 60 mg of nicotine is absorbed into the blood, it has the potential to kill an adult non-smokers. This is equivalent to 30-40 conventional cigarettes.
• Evaluation Division of Pharmaceutical Scientists from the US Food and Drug Administration (USFDA) has tested 19 types of e-cigarettes that were manufactured by two producers (NJoy and Smoking Everywhere). They found that the 'tobacco-specific nitrosamines (TSNAs), which can cause cancer in both brands of e-cigarettes. Even the concentration of nicotine in e-cigarettes are not equal to the value written on the label. There is little nicotine in e-cigarettes is a "nicotine-free".
• In September 2008, the World Health Organization has issued a statement: "There are no studies that demonstrate authentic e-cigarette is a safe and effective as nicotine replacement treatment. Therefore, the manufacturer must undertake in-depth studies to support their claim that e-cigarettes can be used to reduce smoking ".
• According to a statement issued by the American Lung Association (ALA), the ALA declared their indignation towards the use of electronic cigarettes because earlier studies have found that electronic cigarettes not only contain nicotine but there are also other chemicals that are harmful such as carcinogens.
•  In addition, the study also showed that electronic cigarettes that use a high voltage has the amount of formaldehyde is high. Formaldehyde is a chemical that is harmful to the human body.
• The FDA (Food and Drug Administration), the US has carried out laboratory experiments on electronic cigarettes and in a sample ,, they have found a substance diethylene glycol, an ingredient used in anti-freeze process and it is very harmful to the human body.
• According to Dr. Daniel Lee, Physicians and breathing at Prince Court Medical Centre, claims that the smoke emitted from cigarettes is the norm rather than of the liquid nicotine is totally wrong. In fact, electronic cigarettes have nicotine which can increase heart rate and hormonal outflow 'adrenalin' and moisturize the nervous system. In addition, nicotine also causes an unusual pulse, narrowing of heart vessels, increased blood pressure, heart attack, stroke and ulcers of the stomach and intestines.
• Chief Medical Officer Cancer Screening Center National Cancer Society Malaysia (NCSM), Dr. Dalilah Kamaruddin, when contacted, said the process of vaporization of the liquid nicotine which is produced by electronic cigarettes, will be sucked in by the user, and vapor of nicotine has the same properties of nitric acid. He added nitric acid is a chemical catalyst to the occurrence of cancer in the human body. In addition, the liquid nicotine, although the dosage slightly, feared and absorbency to the blood vessels will change the content in the body as efficiently than nicotine, a liquid that also contain glycerin.
• President of the Malaysian Medical Association (MMA), Dr. Ashok Philip Zachariah also argued that the electronic cigarette could bring harm to users. He added that most of the chemicals contained in cigarette smoke kenvesional also available in electronic cigarettes even lower levels. He is also the association urged the Ministry of Health is considering to ban the use of electronic cigarettes look to the harm which will occur.
• Cardiac Surgeon and Lung Universiti Kebangsaan Malaysia Medical Centre (PPUKM), Dr. Khairulfaizi Haron said that although the percentage of users vape the disease is too low, they must be vigilant and cautious. He also stressed that the alleged use of electronic cigarettes are safer than tobacco is not true.
• Deputy Health Minister Datuk Seri Dr. Helmi Yahya said in a statement that in the electronic cigarettes are nicotine and propylene glycol, and when heated (in the liquid) exceeds five volts, the liquid is a combination of nature such as preservatives. Preservatives that increases the likelihood of cancer in the body.

HUKUM

Based on the above facts and also stated 'nas' so  the use of electronic cigarettes are PROHIBITED ( HARAM). This is because as the 'illahkan' or specify the reasons for the law applicable to the issue of smoking electronic cigarettes and the reasons including:

• Qiyas to real cigarettes.
• The fact experts suggest it could be hurt even more harm than smoking itself. This is considered a very strong foundation for mafsadah indisputable and harm has been recognized by experts and authoritative bodies.
• Wastage that occurs either on the device itself and vape liquid material that is sipping. The price of such a device costs about hundreds of ringgit and it can reach up to thousands of ringgit.
• Mimicking a non-Muslim culture.
• Viewed dishonorable.
• Sad al-Zari'ah (closing the road to damage). The polices are intensifying the review and investigation of the detected locations of its own blending flavors try marijuana and density to meet the demand of some users of electronic cigarettes. Reports from authorities also indicated that the use of synthetic drugs among young people is on the rise and this will be worse if the use of electronic cigarettes are also drugs elements in it. Preventive measures should be done so that these problems do not fester among Malaysians especially for adolescents.

The National Fatwa Council has also banned the use of electronic cigarettes through his fatwa. Its chairman, Prof. Emeritus Tan Sri Dr. Abd. Shukor Husin said the decision was decided by applying the law to smoke shisha, which had been ruled previously. He added that, if the findings of the first is quite dangerous, it's both wasteful and harmful to the party in terms of health, but when these same recommendations, then we say it is HARAM.

FATWA  ULAMA & OPINION OF ISLAM SCHOLAR

They said same law as the law of regular cigarettes. Thus, it is HARAM  .

• Sheikh Muhammad Salih Al-Munajjid in his response to the issue of the use of electronic cigarettes Electronic cigarettes say that the law is the same as traditional cigarettes illegally.
• There was no benefit for those who want to try to abandon the practice of smoking cigarettes switch from traditional cigarettes to electronic cigarettes because the harm is also the same as regular cigarettes based on the reports of experts .

Sheikh Uthman al-Khamis also argued that electronic cigarettes are illegal because they harm. Each of harm, then Islam will reject in advance in order to maintain maslahah all people. - S.S. Datuk Dr. Zulkifli Mohamad Al-Bakri (Mufti Wilayah Persekutuan).

CONLUSION

In this issue, the public also believes that it is one way to help smokers to stop smoking. Therefore, they use electronic cigarettes as an alternative to quitting smoking. Actually this is a distorted notion of fundamental because it said there was also a native of nicotine substance that can cause addiction and harm to human health. The money that use to buy cigarettes or vapor, it even better if they put the money to a tube mosque, sympathize orphans, feed the poor and help their needs. May Allah grant us success and given us guidance and good health.

More than RM200 million spent so far on search for MH370

As we know, tragedy missing Malaysian airliner  MH370 has passed 13 months ago. Our government still responsibility in searching the MH370 until today and more than RM200 million spent so far on search for MH370. We are glad to hear that our government  is willing to spend millions of ringgit to continue the search MH370, maybe some people do not mind about this mission in searching MH370, but who know if the families of passenger  MH370 are hopefully that this finding mission to the end. 

The government has spent RM231.4 million to date on the search for missing Malaysia Airlines Flight MH370. Transport Minister Datuk Seri Liow Tiong Lai said the ministry, however, is unable to record the total cost for the search operation, as search operations are ongoing. As for MH17, the government has spent RM12.87 million to deal with the tragedy. 

Based on the Montreal Convention 1999’s calculations. Malaysia Airlines had provided advance compensation payments and a crew assistance package totalling USD50,000 to family members as part of the compensation. At present, 236 and 74 families of the passengers of MH17 and MH370, respectively, received the compensation, which amounts to USD16.6 million. On July 17 last year, Flight MH17, enroute to Kuala Lumpur from Amsterdam, was shot down over Ukrainian skies, killing all 283 passengers and 15 crew members on board. MH370 disappeared on March 8 last year after departing from Kuala Lumpur to Beijing.

As a conclusion, we hope that the government is continue the searching of MH370 if needed and all the families of passenger MH370  can accept destiny written for the loss of their family members. - PRAY FOR MH370.

Rising of living cost

Accept the fact of rising the living cost because of global problem. 

As we know, the situation of global economy nowadays was in critical situation so it will effect all the economic activities. 

For example situation :

• At work, spending for lunch only about 10 ringgit is not enough.
• Parents spending money for their children are no longer enough if you just two ringgit or three ringgit but at least five ringgit per person.
• University students face problem in spending their daily life.

But, as the rising of living cost, some people does not care how to manage their money. They spend money without think whether the spending gives benefit or not for themselves. For example, the smoker, they even try to stop from smoking even they know the expensive of cigarette and the danger for their healthy.  If a pack a day smoker spends - 30 boxes per month. With the increasing price about 3.20 ringgit per box, it means they have to spend an additional 320 ringgit a month.

When talking about the rising cost of living, commonly it point to  government. The government is accused of being the cause when reducing or stopping subsidies for goods or services that before have the low price because of subsidized price. In fact, some are said to be the cause of oil price hikes and other services. It also can not be denied, but there are times when we have to be realistic. We as a citizen should not blame our government for the rising living cost, we should learn to be more realistic by looking forward and look the overall factors of this crisis. Our country economy is influenced by the global economy, therefore as a citizen we can not just sitting and complain without do something benefit for our country. 

Healthy Life

Haze !!?? 

What is Haze?

Haze is a phenomenon caused by the existence of many small particles that are invisible to the naked eye and float in the air. These particles may be derived naturally or side effects of human activities.

Nowadays, more areas record unhealthy air pollution index  (API) readings. -11 September 2015

Worst hit by the haze - due mainly to the forest fires in South Sumatra and Kalimantan - is Samarahan with an API reading of 182 followed by Sri Aman (177) and Kuching (163). 

 

• In Selangor, Port Klang, Shah Alam, Petaling Jaya and Banting recorded API readings between 112 to 116. 
• Batu Muda and Putrajaya also recorded unhealthy air levels at 120 and 108 respectively. 
  Port Dickson, Seremban and Nilai di Negeri Sembilan registered 107, 127 dan 138,
• while Bandaraya Melaka and Bukit Rambai, was at 104 and 115. 
• Meanwhile in Pasir Gudang and Larkin Lama, the API reading was at 113 and 107 respectively.

An API reading of between 0 and 50 is categorised as good, while 51 to 100 is moderate; 101 to 200 (unhealthy), 201 to 300 (very unhealthy) and 300 and above (hazardous). ( http://www.astroawani.com/)

So, what should we do as a citizen to save our environment from epidemic haze. If we ignore and just see without doing anything, what could happen in the future? How the fate of our generation in the future? Lets act now guys! ;) 

Now I will share causes of the pollution, the main source of haze is due to 

• burning openly
• smoke from factory
• smoke from vehicles. 

AVOID ACTS OF WHICH MAY RESULT IN THE HAZE !

HAZE THREATEN YOUR HEALTH

The haze that persists will bring adverse effect on everyone, especially the high-risk, namely: -

1. Kiddy
2. Parents
3. Those who suffer from diseases 
   • asthma 
   • bronchitis 
   • pneumonia 
   • lung disease, chronic 
   heart • 
   • Allergic
4. Smoker
5. They are constantly working outside the office or home.
Are Signs and Symptoms Haze Effect on Health
The effects will be experienced after continuous exposure to the haze are:

• Feels itching in the throat and coughing. 
• Feels difficulty breathing or shortness of breath. 
• Eyes sting and water. 
• runny nose and frequent sneezing. 
• Body skin feels itchy. 
• Feels chest pain.

Get treatment and advice of a doctor at a nearby clinic if you have signs and symptoms.


Prevent DISEASE CAUSED BY HAZE. FOLLOW THE FOLLOWING ADVICE: -


• Those who suffer from illnesses such as coughs, colds, asthma, eye pain, heart or lung disease, chronic shall come to the clinic immediately if conditions worsen.
• those in high risk groups should always take medication as advised.
• Cover nose (nasal mask) should be used by all motorcyclists, those who work outdoors or in places that are dusty and even those in high risk groups.
• Smokers who have small children, elderly parents and relatives of the diseased do not smoke in the house.
• As far as possible, people are advised to stay in the building or home.
• Reduce sports activities outside the home
• People are advised to always wash your face and the skin is exposed to the haze with clean water.
• If your vehicle's air conditioner, please use it.
• People are advised to drink plenty of water.
• Smokers are advised not to smoke when unhealthy air conditions (ie above 100 IPU)
• Those at high risk are advised to take leave beyond the hazy if the haze continues at dangerous levels in their area.
For the Air Pollutant Index / Air Pollution Index (API), visit  www.doe.gov.my/apims                                           -decorative images                                                                                                                                   -references -http://wafiqulya.blogspot.my/2013/06/cara-sihat-elakkan-jerebu.html
 

GST Malaysia | Goods and Services tax

    As we know, Malaysia have implement GST (goods and sevice tax)  since April 2015. All malaysian must pay the GST (goods and sevice tax) when buying goods and services. The rate of GST (goods and sevice tax) is calculate based on the price of goods itself which is 6% from it and GST (goods and sevice tax) on Restaurant, hotels and industry that provide service to customers. It totally different with Service Charge .Service Charge is  not compulsory and its dependent on premises basis. Some restaurant may charge from 5% to 10%. This charge is not implemented by government and is typically implemented restaurants and hotels. Service Charge is altogether a different item compared to GST . It should not be compared with Goods and Services Tax. 

        

Malaysia dijangka alami defisit belanjawan ketara jika 

GST tidak dilaksana   Selanjutnya di : http://www.bharian.com.my/node/91530

Malaysia is expected to experience a significant budget deficit if  not implementation the GST - Berita Harian

Malaysia's economic is totally depends on revenue from oil industry but it shown the sharply declining of commodity oil price over 50 percent of the 100 US $  per barrel in 2014. Therefore GST is necessary and important step as the Sales and Service Tas (SST) previously is inefficient and weak tax collection. The collection of SST only RM 18 billion compared with GST RM 39 billion so we can conclude that implementation of GST is more efficient to improve Malaysia's economic.

Our government setting a few initiative to minimize the impact of GST on low and middle-income households with not impose the GST on some necessary goods including medicines and food. As conclusion, the implementation of GST will improve the economic and it influence people to reduce spending budget and learn saving. 

ISLAM - World's Greatest Religion ! ;)

'MARRIAGE WHILE STUDYING'   Should I or Shouldn’t I?

Marriage is one of the sunnah of the Prophet, which encouraged over its followers, and also is a matter of very beautiful when the marriage age traveled with happiness. Here I would like to share with you all about the advantages and benefits of marrying at a young age.

First Benefit

Early marriage can prevent adultery. Young couples who are still studying when a young marriage, they will escape vices because they do have a relationship with big halal and valid. Of couple 4, 5, 6, 7, 8, 9 or 10 years remain sinful reason during couple much vices can occur. In Islam even actually illegal couple, on the other hand a more beautiful that is, it wants to make love After Marriage.

Second Benefit

Unable to control the lust and avoid vices, now ni too many illegitimate sons case, the case of abandoned babies. This is all happening because of the feeling of love that is added with lust and temptation of the devil then a miraculous adultery. The reason tu encouraged married while learning at a young age, the reason we secure from commit adultery and damned that is safe from sin. When I married, certainly, we will keep our offspring with good and perfect. 

Third Benefit 

When you got married at a young age, you are in fact already practically safe from disruption of the public. Now we can see it every day beautiful women are interrupted by men. These things often happen to the students of the University. To get married at a young age and have your husband actually already secure from harassment. 

Forth Benefit 

Outstanding performance after marriage, and got a new passion to learn, no denying it's been many married during the study they obtained excellent results in education and exam. With married, making one more relaxed and their life goals more clearly. They are more focused in the field of education and support from a spouse makes them more excited. 

Fifth benefit 

Makes you more responsibility, when you married and had a family. You'll change your diligent attitude lazy because you no longer live under the care of mom and dad, but you already have a big responsibility to take care of your family.

Conclusion

There is no doubt that in today’s environment of fitnah and haraam, young students are easily tempted to being led astray. It is extremely difficult to maintain one’s haya

and modesty when the ropes of satan are tugging so strongly at one’s nafs. At such a time we need to recognise that Allah (SWT) has created us with an inner desire for the companionship of the opposite sex and has made it lawful for us to engage in such relationships within the bounds of marriage. There is no compulsion on the quality of life that needs to be lead financially. All we need to ensure is that we have the ability to support ourselves practically, be it through scholarships or part time work or through the efforts of our parents and that we have the emotional intelligence to manage the relationship.

If you are entering the campus environment or are there already and are seriously concerned about the level of your faith and protecting your chastity, you need to conscientiously explore the possibility of marriage through halal means. If you are already in an illicit relationship and would like to make your partner a husband or wife in the future, you need to set the wheels in motion to get married as soon as possible. If you don’t have the financial means or feel you are emotionally not ready, then it is imperative that you end the haraam relationship and say to your partner that it will only resume once you have the means to get married. If they are truly meant for you and for them, you will be able to wait until the time is right. In the meanwhile, get down on your musallah  and fervently pray to Allah (SWT) to open a way for you get married as soon as possible.

May Allah (SWT) grant all those who are married blessed marriages, all those who want to get married pious partners and all those who are unable to get married patience in their time of difficulty.  

Fall Ringgit against foreign currencies

The value of Ringgit Malaysia (RM) is decline?  

Nowadays, Various reactions that we hear on the economic situation of the country since lately. Gst become the famous issue in our country since it was introduced by the Prime Minister. What is the Gst? A goods and services tax in Malaysia (GST), a value added tax, was scheduled to be implemented by the government during the third quarter of 2011, but the implementation was delayed until 1 April 2015. Its purpose is to replace the sales and service tax which has been used in the country for several decades. GST has been applied in Singapore but we did not hear any dispute or ridicule of the media Singaporeans. Lately the focus of the financial markets. We see the value of Ringgit Malaysia (RM) is declining against foreign currencies like the US dollar and Singapore. 

Reason why Ringgit Malaysia is decline : 

• When we buy too much stuff we dumped imports Ringgit in the international market, if this is the case of the Ringgit will fall. 
• Political stability is one of the factors to the stability of the economy in the country.

 Ways to increase the value of the Ringgit in the world arena :

• As citizens we have also a role to be taken. Buy Malaysian products and subtract buy imported goods to increase and strengthen the economy.
• To stabilize the ringgit, the government through the Bank Negara Malaysia (BNM) may be diluting the international reserves.
• Together we stand united, so that the political situation is stable. This will help ensure the success of any policy that would be taken by BNM to stabilize the ringgit in the international market. 

United States (US) Federal Reserve through monetary intervention to take steps to stabilize the value of the dollar in international markets.That is one reason why the US dollar (USD) to gain a foothold against our country. As the world's largest economy, the US will do anything to increase the value of the dollar in the world.

Singapore is also an intimate friend of the US do not want to be seen lagging behind that of his close ally. Obviously they want to see a stable Singapore dollar against the US dollar, thus Singapore withdrew their international reserves. As a result we could see a strong Singapore dollar while the US dollar and of course Singapore dollar jumped higher than the Ringgit. This does not mean that Singapore's economy is better than the economy.

China is a lot of trade with the United States is not left behind monetary intervention, dilute the country's international reserves to stabilize the value of the yuan in the international market. China does not want him to be far behind compared to the importance of US counterparties. - Decorative Figure

-Student's research  :)

REFERENCE :http://www.utusan.com.my/rencana/kejatuhan-ringgit-berbanding-mata-wang-asing-1.105265