Sekali sekala, seorang kontraktor akan membina apartmen mewah di tanah bekas kubur milik penduduk. Walaupun agak jauh dari orang ramai, tetapi tempat yang akan dibina sangat strategik untuk membina sebuah apartmen.
Apabila seorang pekerja ingin membina sebuah pondasi apartmen, tiba-tiba seorang pemastautin memberitahu tanah yang akan dibina ada makam tua seorang wanita yang tidak ditarik. Buat seketika pekerja itu berdiam diri dan bertanya tentang kubur siapa yang ada di sini. Siapa keluarga dari kubur ini, maka rakyat menjawab bahawa keluarganya tidak ada di sana. Hanya dia sendiri dikuburkan di sini dan keluarganya tidak mati di tempat ini.
Buat seketika kontraktor itu berhenti sejenak dan bertanya-tanya di mana kubur itu harus dipindahkan. Sementara tanah untuk pemindahan kuburan yang disediakan penuh.
Setelah lama berfikir, kontraktor meminta tempat yang tepat untuk memindahkan kubur. Akhirnya ada tempat yang bagus untuk kubur.
Sebaik sahaja tempat itu ditentukan, kubur dibongkar untuk disingkirkan. Selepas 15 tahun
minit, penggali kubur menemui mayat seorang wanita. Bagaimanapun, penggali dan kontraktor yang gempar amat terkejut kerana tidak dapat dipercaya. Subhanallah, tanah perkuburan yang luar biasa yang hampir 50 tahun adalah badan di dalamnya masih utuh dan wajah tubuh orang-orang yang benar-benar mempesona yang melihatnya sebagai kaca yang terdedah kepada cahaya terang dan mencerminkan ketenangan.
Tubuh dengan muka senyuman buat seketika membuatkan orang yang kelihatan terkejut dan kagum. Tidak lama selepas itu, seorang datuk tua mengenali badan itu dan memberitahu badannya. Pada masa lalu, ketika dia masih muda, dia selalu mempunyai wudu setiap saat.
Ketika marah, dia selalu berusaha menenangkan diri dengan bewudhu. Apabila dalam masalah dia selalu melakukan wudhu. Apabila gembira dia selalu melaksanakan wudhu. Benar-benar berbeza dari abangnya yang menangis dan selalu menggilap wajahnya yang cantik.
Kakaknya sombong kerana kecantikannya. Sering kali seorang lelaki yang usianya ingin meminta tangannya.
Saudaranya selalu menolak lelaki yang tidak mempunyai kereta, jangan minta tolong ramah. Ia sangat berbeza dari abangnya yang sederhana, kedua-dua perkataan dan selalu menutup aurat.
Selepas mendengar cerita daripada datuk, kontraktor itu terkejut dan bertanya tentang keadaan badan adik perempuan itu. Kakeknya berkata kakaknya yang maut telah mati dengan muka yang terbakar kerana perlanggaran sambil berseronok dengan kawannya. Bahkan tubuh dan tulang wajahnya dihancurkan sehingga orang tuanya tidak mengenalinya lagi. Naudzubillah.
Kontraktor yang pernah mencintai wanita seksi atau perempuan yang sering membuka aurat, bahkan menunjukkan titik vitalitas kepadanya akhirnya bertaubat kepada Tuhan. Kontraktor yang pernah menjadi playboy, kini ditukarkan tidak akan mengulanginya lagi.
Wallahu 'a lam.
If you're just starting out, beginning an investment program may be something that hasn't been on your radar. You may be more concerned with how to pay for items like food and gasoline. However, if you can scrape together even a small amount of money for investment purposes, you'll be on your way to creating a much rosier financial picture in the years to come. Beating InflationIn addition to making for uncomfortable sleeping, stuffing your money under a mattress does little to mitigate the impact of inflation over time. Putting your money in a regular bank savings account won't help much either because of the typically minuscule interest rates. While placing your money in investment vehicles, such as stocks and mutual funds, introduces an element of risk, you stand a much better chance of outpacing the inflation rate throughout a period of years. Saving for Retirement Depending solely on social security benefits as your source of retirement income probably won't cut it unless you plan to subsist on a diet of rice and water. Unless your company offers a sizable pension plan, you will probably need to start an investment program as early as possible to ensure a comfortable retirement. IRAs offer an easy way to invest for retirement and also provide certain tax benefits. If your employer offers a 401k plan, you can benefit from the matching funds that many companies will deposit in your account on your behalf. Putting Your Money to Work If you have a job, you're undoubtedly familiar with the concept of working for your money. Investing allows you to turn the tide by making your money work for you. Through the magic of compound interest, for example, your accumulated interest actually earns additional money without you having to lift a finger. Consequently, your original investment can multiply greatly over time. For example, if you invested $1,000 at an interest rate of 7 percent compounded annually, your investment would grow to $7,612.26 after 30 years. Financial Resource Some investments can fulfill more than one financial purpose and serve as a valuable resource. For instance, when you purchase a home, it may appreciate in value and yield a handsome profit when you sell it. Additionally, as you make your monthly mortgage payments you build up equity, which is the amount of your ownership stake in the property. You can borrow against your accumulated equity by taking out a home equity loan or home equity line of credit to help you more immediate financial needs. HOW TO INVEST Five Key Points to Consider Before Investing So you and your special someone are thinking about beginning an investment program. That's a wise move because the earlier you start investing the more time your nest egg has to grow. Invest only $250 a month for 20 years at 5 percent interest and you'll have $102,758. Increase the rate of return to 8 percent and the total jumps to $147,255. Financial Fitness Before you start socking away money in an investment account do a fitness check on your finances. Your savings account should total from three to six months of living expenses before you start playing the stock market. It doesn't make sense to invest money until you've paid off your credit card balances. The average credit card interest rate on new credit cards as of June 8, 2012, is 14.9 percent according to FoxBusiness.com. Risk Tolerance Different types of investments have different levels of risk. A savings account has very little risk, but then the rate of return is low as well. Money markets are rather safe. Mutual funds spread the risk because a number of companies make up the mutual fund's portfolio. Investing in individual companies can pay off handsomely or help you lose money. If you get butterflies at the mere thought of losing any of your investment then consider a low risk investment strategy. Goals Determine your goals. Sit down with each other and your favorite beverage and hash out why you want to invest, how much you plan on investing each month and what you hope your investment portfolio will total at the end of one year, two years, five years and 10 years. Consider that as your life changes your goals may change. While your current goal may be to save enough for a down payment on a home, in 15 years you may be looking at funding your kids' college education. Diversification All your eggs in one basket is a bad investment strategy. In other words don't put all your money in tech stocks, gold or your cousin's Vinny's pizza parlor. Diversify your investment portfolio, so that if one investment tanks, the others won't be affected. That includes any investing in your employer's stock. If your employer goes bankrupt, not only have you lost your job, you've lost your investments. Consider liquidity as well as risk. Getting cash out of your money market takes place nearly instantaneously. Artwork, collectibles and antiques may take weeks to sell and depending on the market, may not yield as much as you hoped. Time and Knowledge Getting up to speed on what to invest in takes time and knowledge. If that doesn't appeal to either of you, consider a financial planner or adviser. Planners are paid on a commission based on what you invest in or a flat fee based on how much time he spends with you.