[hsm_muor] Re: Untuk orang bank

2009-02-02 Thread nizam7683
Bukan x nak komen Pol Nanti wa komen lagi pening Wa forwardkan permasalahan ni pada Tuan Sheikh kita si Hidir yg sekrg berada di Bangladesh. Ada perjumaan Ijtimaa' org Islam seluruh dunia di sana.. Mamat tu siap bwk laptop tu... Nak bgtau yg org tabligh ni pun terpelajar gak... Celik IT

[hsm_muor] Re: awek ecuador

2009-02-02 Thread nizam7683
Aduhhh pek... Lawo sgt pek... Bak kata Pol... X leh nak samok..!!! Hua hua hua... Lu ni bg member yg dah lu pki.. Lawo lak tu Tahniah pek. Cam cibai...!! Send from Nokia E71 - original message - Subject: [hsm_muor] Re: awek ecuador From: Ariffin Ahmad Date: 03/02/2009 2:30 PM apek

[hsm_muor] Re: Utk jidon - maid

2009-02-02 Thread nizam7683
Betul la Mana Gdon ni senyap jer??? Nak sapu semua maid ke?... Don gmbr mana don? Kitaorg x sabau nak meng evaluate maid kemboja ni Hua hua hua Send from Nokia E71 - original message - Subject: [hsm_muor] Utk jidon - maid From: Khairil Date: 03/02/2009 12:34 PM Jidon, camne ng

[hsm_muor] Re: awek ecuador

2009-02-02 Thread Ariffin Ahmad
apek mmg taste dia exotic sumer... and antique 2009/2/3 KATAK > > taste apek yang macam gini nak buat cemane.. > > Bujairomi, Khairani menulis: > > Huh, seram. ambik yg lawa2 skit pek. > > > > > > > > > > > > From: hsmuor@googlegroups.com [mailto:hsm...@g

[hsm_muor] Re: awek ecuador

2009-02-02 Thread KATAK
taste apek yang macam gini nak buat cemane.. Bujairomi, Khairani menulis: > Huh, seram. ambik yg lawa2 skit pek. > > > > > > From: hsmuor@googlegroups.com [mailto:hsm...@googlegroups.com] On Behalf > Of Khairil > Sent: 2009/02/03 12:47 PM > To: hsm muar >

[hsm_muor] Re: awek ecuador

2009-02-02 Thread Bujairomi, Khairani
Huh, seram. ambik yg lawa2 skit pek. From: hsmuor@googlegroups.com [mailto:hsm...@googlegroups.com] On Behalf Of Khairil Sent: 2009/02/03 12:47 PM To: hsm muar Subject: [hsm_muor] awek ecuador enjoy it! --~--~-~--~~~

[hsm_muor] Re: awek ecuador

2009-02-02 Thread Ariffin Ahmad
huh 2009/2/3 anwar zamil > lawo siot awek tu pek... > lu tk amik contact num dia? > lu mesti dh pakai dia kan??? > kan? kan? kan? > > --- On *Mon, 2/2/09, Khairil * wrote: > > From: Khairil > Subject: [hsm_muor] awek ecuador > To: "hsm muar" > Date: Monday, February 2, 2009, 8:47 PM > > en

[hsm_muor] Re: awek ecuador

2009-02-02 Thread anwar zamil
lawo siot awek tu pek... lu tk amik contact num dia? lu mesti dh pakai dia kan??? kan? kan? kan? --- On Mon, 2/2/09, Khairil wrote: From: Khairil Subject: [hsm_muor] awek ecuador To: "hsm muar" Date: Monday, February 2, 2009, 8:47 PM enjoy it! --~--~-~--~~-

[hsm_muor] Utk jidon - maid

2009-02-02 Thread Khairil
Jidon, camne ngan maid kemboja?...available tak? Kalau dah ade,ko email dulu biodata dan facebook die..hehehe.. Kalau bole,aku caa alipp bot dr Ecuador,terus jerk nak amik satu... So,meantime,aku boleh prepare pe pe yang patut pasal dokumen   --~--~-~--~~~

[hsm_muor] Re: Untuk orang bank

2009-02-02 Thread Khairil
ko la salah satu customer camni...hahahaha --- On Tue, 2/3/09, Ariffin Ahmad wrote: From: Ariffin Ahmad Subject: [hsm_muor] Re: Untuk orang bank To: hsmuor@googlegroups.com Date: Tuesday, February 3, 2009, 12:20 PM nasib baik la nizam tak tetiap ari jumpa customer camni. kalau tak, susah gak ca

[hsm_muor] Re: Untuk orang bank

2009-02-02 Thread Ariffin Ahmad
nasib baik la nizam tak tetiap ari jumpa customer camni. kalau tak, susah gak carik makan... 2009/2/3 anwar zamil > komen lar ckit zam > pemalas lar lu ni. > tak baik tau > > --- On *Mon, 2/2/09, nizam7...@gmail.com * wrote: > > From: nizam7...@gmail.com > Subject: [hsm_muor] Re: Untuk

[hsm_muor] Re: ekonomi

2009-02-02 Thread Ariffin Ahmad
zakat?... aku rasa aku dah bebel kat thread lain aritu... tak puas hati bukan pasal zakat.. pasal badan yg uruskan tu... at the end, yg dapat faedah, orang yg keje kat bailtulmal/pejamat agama tu. bukan orang miskin or yg memerlukan. yg melarat tetap camtu.. alasan pegawai bailtulmal, diaorang tak

[hsm_muor] Re: Untuk orang bank

2009-02-02 Thread anwar zamil
komen lar ckit zam pemalas lar lu ni. tak baik tau --- On Mon, 2/2/09, nizam7...@gmail.com wrote: From: nizam7...@gmail.com Subject: [hsm_muor] Re: Untuk orang bank To: hsmuor@googlegroups.com Date: Monday, February 2, 2009, 7:14 PM Nizam says : No koment!!! Hua hua hua hua - origi

[hsm_muor] Re: Untuk orang bank

2009-02-02 Thread nizam7683
Nizam says : No koment!!! Hua hua hua hua - original message - Subject: [hsm_muor] Re: Untuk orang bank From: Khairil Date: 03/02/2009 10:19 AM Ye..hehe..kite tunggu en nizam ngan en azmi komen Anyway,bukan aku nak mengiyakan atau menafikan,tetapi byk perkara bile berurusan, tak trans

[hsm_muor] Re: Untuk orang bank

2009-02-02 Thread Khairil
Ye..hehe..kite tunggu en nizam ngan en azmi komen Anyway,bukan aku nak mengiyakan atau menafikan,tetapi byk perkara bile berurusan, tak transparents Cth lagi mcm kalau kita amik insurans plak,sebagai customer kita berhak tahu semua polisi yang ada pro dan kontra.Bukan setakat semata-mat

[hsm_muor] Re: Fw: Lanjutan: FW: News from Ampang Gleneagles Hospital

2009-02-02 Thread Ariffin Ahmad
betul ker? biasa nya mail camni cuma hoax jer... 2009/2/3 Khairil > > > --- On *Mon, 2/2/09, heykome kidae * wrote: > > From: heykome kidae > Subject: Fw: Lanjutan: FW: News from Ampang Gleneagles Hospital > To: "Abu (Rijaluddin)" , "Aidil" < > aidil.1...@gmail.com>, "Ashida Ida" , "Azizi Malek

[hsm_muor] Re: Untuk orang bank

2009-02-02 Thread nik shahjaril
Assalamualaikum... aku teringat satu benda...tak sure hadis ker per...tapi dia kata.. diakhir zaman nanti umat islam akan menyamakan yg halal dan haram. bahaya beb... betul pin...aku setuju ngan ko yg uslamic banking kat malaysia nie nampak cam tukar istilah je.. tapi dia sebenarnye lebih pad

[hsm_muor] Fw: Lanjutan: FW: News from Ampang Gleneagles Hospital

2009-02-02 Thread Khairil
--- On Mon, 2/2/09, heykome kidae wrote: From: heykome kidae Subject: Fw: Lanjutan: FW: News from Ampang Gleneagles Hospital To: "Abu (Rijaluddin)" , "Aidil" , "Ashida Ida" , "Azizi Malek" , "Azman Awg" , "Badrul RTD" , "Din Kesidang" , "Fadzil Bkt Jltg Mohd Yusof" , "fitrizah" , "Hafidz q

[hsm_muor] Re: Untuk orang bank

2009-02-02 Thread Khairil
Bagaimana kalau kita lihat dari sudut riba plak? Itu aku cakap,kita sebagai customer tak punyai byk pilihan,bloody bank tak tunjukkan package yg betul2 ke arah tidak riba dan tak sanggup nak berkorban utk kebaikan pelanggan dan juga kebaikan ummah tuh sendiri Mengikut sistem BLR, di man

[hsm_muor] Re: Untuk orang bank

2009-02-02 Thread Ariffin Ahmad
tak silap aku, bank yg betul betul boleh dikira ikut sistem islamic ni, cuma Al Rajhi. sistem diaorang, mmg totally lain dari islamik banking kat malaysia ni. cth: untuk personal loan, bank lain tak silap aku, lebih kurang camni: akad nya involved dengan virtually jualbeli somekind of property nga

[hsm_muor] Re: Untuk orang bank

2009-02-02 Thread Bujairomi, Khairani
Dalam kaedah Islamic ni, bank2 tak nak rugi langsung berbanding kaedah conventional... Klu guna system BLR, klu kita pinjam Rm 100k dlm masa 30 thn... jumlah duit yg kita bayar dlm 200k - 250k. interest akan dikenakan berdasarkan baki pinjaman tahunan. Cth: Pinjam 100 k selama 30 thn (inst

[hsm_muor] Re: Untuk orang bank

2009-02-02 Thread Khairil
Tapi... Loan kita RM 100K Kalau dikira sepanjang 30 tahundlm fix rate 7% dan total kita bayar bank = cth RM 170K. Dan kalau dikurangkan sebyk 4% dan total adalah = RM 140K, Bank masih lagi buat untung sebanyak RM 40K dari harga loan kita amik iaitu RM100K.. So, apa bezanya? Yang

[hsm_muor] Re: window seat for ipod.....

2009-02-02 Thread Khairil
Appreciated that! --- On Mon, 2/2/09, Bujairomi, Khairani wrote: From: Bujairomi, Khairani Subject: [hsm_muor] Re: window seat for ipod. To: hsmuor@googlegroups.com Date: Monday, February 2, 2009, 4:19 PM Ok….Mmg confirm original griffin. Bila2 aku gi orchard aku b

[hsm_muor] Re: Untuk orang bank

2009-02-02 Thread Bujairomi, Khairani
Dulu pun aku ingat nak ambik kaedah islamic ni tp harga dia terlalu tinggi. Apa yg aku nampak.BLR tu bergantung pada keadaan semasa dan Islamic tu fixed rate. Disebabkan bank tak nak rugi, dia amik satu nilai yg paling selamat (dlm worse case lah...) utk pinjaman Islamic ni ___

[hsm_muor] Re: window seat for ipod.....

2009-02-02 Thread Bujairomi, Khairani
OkMmg confirm original griffin. Bila2 aku gi orchard aku belikan satu.. From: hsmuor@googlegroups.com [mailto:hsm...@googlegroups.com] On Behalf Of Khairil Sent: 2009/02/02 4:17 PM To: hsmuor@googlegroups.com Subject: [hsm_muor] Re: window seat for ipod

[hsm_muor] Re: window seat for ipod.....

2009-02-02 Thread Khairil
Thanks Khairani,kalau ko berkesempatan di Singapore,sambar satu beb... Yang penting brand die original Griffin Nanti aku turun JB, aku amik brg tuh kat ko... Anyway,kalau ko dah beli...jgn lupe kasi no akaun..aku transfer duit... thanks bro --- On Mon, 2/2/09, Bujairomi, Khairani wrote: Fro

[hsm_muor] window seat for ipod.....

2009-02-02 Thread Bujairomi, Khairani
Apex, sorry lambat replyaku cuti panjang last week sambut CNY hehehe Windowseat yg ko tanye tu ada jual kat cni harga dlm 59 singapore dollar. Harga brg2 kat outlet ni yg paling ok kat sini (member off aku yg bgtau) Klu member2 lain nak survey harga2 ipod dan yg seangkatan dgnnye le

[hsm_muor] Re: Untuk orang bank

2009-02-02 Thread Khairil
Satu persoalan yang timbul... Kenapa bank di Malaysia nih kalau nak menggunakan konsep financing cara Islam,depa tak turunkan rate keuntungan die? Cth : Konvensional rate     1. 1st year = BLR -2.34%     2nd year = BLR - 1.0%..     Thereafter = BLR - 0.5%...sampai la umo