Friday, November 15, 2013

Jumaat Reminder :)

بسم الله الرحمن الرحيم


"O you who have believed, protect yourselves and your families from a Fire whose fuel is people and stones, over which are [appointed] angels, harsh and severe; they do not disobey Allah in what He commands them but do what they are commanded."

I was reading a FB post regarding one's different character when he is in the office / in the television and when he is at home. He can be super nice at the office but super rude at home etc.

After reading that, I remembered the above verse. I'm not sure why as it's not even related directly to the double character issue.

Anyhow, upon reading the above verse this time, I concluded two things from the above verse. I have emphasised my points in the above verse with bold and underline. (There are many other wisdom you can take from the above verse but two is enough for this post at this time :) ).

First Point:

In order to protect the one that you love, you must protect yourself first. Just like in an aeroplane, the safety requirement is that you have to put on the oxygen mask on yourself before you can put it on your child. 


Its not because you are more important than your child. Although it is a natural thing to prioritise your child, but you cannot effectively help your child if you can't breath yourself.

So follow the priority set by Allah. Protect yourself FIRST, then your family member.

Second Point:


Unlike some immoral enforcement  officers, Angels are pure and secured from temptation. 

Don't think you could buy or talk your way out of Hell through them.

And to save you the trouble of being in Hell in the first place, refer back to Point 1. Save yourself and then save your family from Hell. 

Only God knows best.

Blog adjourned.

The Bastard Child Analogy

When distinguishing between Islamic finance and conventional finance / riba’ based finance, the common analogy is the Halal and Haram Meat Analogy. There is another analogy which is better in distinguishing between Islamic finance and conventional finance. To start, let me explain briefly the Halal and Haram Meat Analogy.

The Halal and Haram Meat Analogy

Using this analogy, Islamic finance is regarded as the halal meat, whereby the halal animal is slaughtered in accordance to the Shariah and its meat is permissible to be eaten as compared. Conventional finance on the other hand is the haram meat where the animal is sourced illegitimately and it is not slaughtered according to the Shariah making it not permissible, under the Shariah, to be eaten.
The fact is that both meat, if eaten, would give the same physical outcome (feeling satiated) however, the Shariah only permits one to eat the halal meat and not the haram meat.
In other words, if you opt for an Islamic house financing, the monthly instalment that you pay is Shariah compliant as compared to a conventional house financing based on riba’ which is not Shariah compliant. The outcome of both financing are somewhat similar, pay your instalment and you will own a house at the end of the tenure.
As I have mentioned above, I don’t quite agree with the above analogy. I prefer the Bastard Child Analogy. What is it? Please read on.

The Bastard Child Analogy

The Bastard Child Analogy is based on the following two examples.
Example 1: A guy and a girl committed adultery, the result of which the girl got pregnant and gets a child.
Example 2: A guy and a girl got married and had sex, the result of which the girl got pregnant and gets a child.
In example 1, the child is a bastard child. In example 2, the child is a legitimate child. The process that the guy and the girl did to get the child is the same i.e. they had sex. The outcome of that sexual intercourse is that they got a child.
The only difference between example 1 and example 2 is that the guy and the girl were validly married in example 2. They had a contract / aqad between them that the Shariah recognises, and out of which, the child is recognised as a legitimate child. The Shariah did not recognise the mutual consent to have sex in example 1. As a result, the child is a bastard child.
Both children in example 1 and 2 are somewhat similar, just like the end result in both Islamic finance and conventional finance.
However, only the child in example 2 is recognised by the Shariah.
In other words, the Shariah compliant contract in Islamic finance is the crux that distinguishes it with conventional finance.
This is one of the many reason why in Surah Baqarah, Allah states clearly that He has permitted trade and forbidden Riba’. Trading, based on principles approved by the Shariah will result in profits that is recognised by the Shariah to be legitimate income (just like the child in example 2). Riba’ however, will result in illegitimate gains that is NOT recognised by the Shariah (just like the child in example 1).

The Difference?

In the Halal and Haram Meat Analogy, the process of obtaining the meat is the distinguishing factor. The Halal meat is Islamically slaughtered whilst the Haram meat is not.
In the Bastard Child Analogy, it is the underlying contract / aqad that is the distinguishing factor. The Bastard Child is the result of adultery whilst the Legitimate Child is the result of a valid marriage contract.
In my humble opinion, the Bastard Child Analogy is a better analogy to describe the difference between Islamic Finance and Conventional Finance.

Blog Adjourned.

Thursday, November 7, 2013

Salam Ma'al Hijrah :)

Fuh fuh fuuuuuhhhhh.

Spider webs all over this blog. Fuuuhh...

Its about time I resurrect my virtual recording of intellectual snapshots again.

What better timing than to do so in the beginning of the new 1435 Hijriyyah Year!

So let's start by testing if this google app for blogger actually works in the first place.

Here goes!

Bismillah hir Rahman nir Rahim!!


Blog adjourned.

Saturday, March 16, 2013

Think Too Much

I think I think too much.

And I think this is the main reason why I didn't quite enjoy private legal practice.

You see, in a private legal practice, you are required by your client to absorb their legal liabilities. Clients can be really demanding as well... and stingy. Hehe. But that's besides the point.

Coming back to my point of absorbing liabilities. Banks for example, prior to the diabursement of the loan or finance, would require a legal firm to give an undertaking that everything in relation to the loan or finance is in proper order and is valid and enforceable. This is a common practice in all banks in prior to drawdown if an external solicitor is engaged. It is the bank's way of minimising their risk by shifting the requirement to ensure the validity and enforceability to the legal firm.

The idea of shouldering this risk is what I did not enjoy because I think too much. And I would not stop thinking about many different angles of a particular matter to ensure that I have covered all angles. Its really tiring and exhausting. Before you sleep you suddenly remember whether your staff had filed your form34 on time or when the LHDN is going to give their valuation as the expiry date on the MOT is almost expiring... and you have not asked your client for the transfer fee because your client wants the exact figure.

So when I joined this new place, I honestly felt the heavy weight on my poor shoulders  lifted almost immediately. It was amazing how that invisible weight could really affect my character and personality.

I was sharing this with the Bride and she confirmed that I looked more cheerful and jovial the moment I left legal practice. Haha.

Be that as it may, u actually learn a lot in private practice if you have really good mentors. I learned a lot from my boss. But I am just not ready to shoulder client's heavy liabilities.

Probably because I think too much... yeah, that must be the case.

I think too much.

Blog adjourned.

Friday, February 15, 2013

Last Day At The Firm

Hello Everybody,

How have you been doing lately?

Well, my morning started with a quick trip to the dentist. My filling came off and I had to tell the Dentist the 'hole' story. He did a great job. I have a nice feeling about this filling. haha.

Oh, today marks the final day of my two months 'iddah with my firm. It has been a great 1.5 years here. (Oh, I better edit my profile on this blog).

Usually, those who are leaving would write a very lengthy email to the firm thanking everyone they can remember. Initially, I thought of doing the same but then I realised that I might miss some really important friends who might be extremely sensitive. So I drafted a short and simple farewell email. Below was my email that I sent yesterday:

Dear all,
Gong Xi Fa Chai to those who are celebrating Chinese New Year.

This Friday marks my last day at Skrine.

I have enjoyed my tenure here and appreciate having the opportunity to work with you all. Thank you for the support, guidance and encouragement you all have provided me throughout my stint here.

I can’t write much more because my laptop’s monitor is getting fuzzy and its keyboard is starting to emit random drops of salty water. *MISD!!! HELP PLEASE!!!!

I wish everyone and the firm all the best and continued success. Do keep in touch. My personal email is


*MISD is our IT Department.

I will be having a 2 weeks break before I start at the new office. This 2 weeks will be utilised to complete two of my assignments for my PhD classes.

Allrighty, its time to send the laptop back to MISD and to clear my room. 

Having your last day on a Friday just lights up your weekend really bright. *Now where di i put sunglasses? Oh I don't need one, I have a transition lense* WAHAAHAHAHAHAHA!

Blog adjourned. 

Saturday, November 24, 2012

The Pouty One

Last week, the. Bride and I went for her now weekly check-up. To be honest, I wasn't quite keen to go for this check-up as we had just been to the hospital a few days back for a false alarm check-up but the Doc-who-whispers was not there, only the mid-wife. The scheduled check-up was with the Doc-who-whispers.

(Doc-who-whispers is the Bride's new gynie who speaks ever so softly and is super calm. A friend of mine says that he feels that the Doc-who-whispers speaks to herself at times)

Remember I told you all in the previous post that Dot 2 never wants to show his face? Guess what? This time he wanted to make Daddy feel that the chec-up was worthwhile and showed his pouty sleeping face.
The Pouty One... dalam perut pun dah ada character... hehehe

Oh, I am also pleased to introduce a new layout for In My Chambers courtesy of the Bride aka the IT Engineer.


(Harap-harap email invoice dia masuk ke Junk Mail hehehe)

Blog adjourned.

Sent from my BlackBerry® wireless device via Vodafone-Celcom Mobile.

Friday, November 2, 2012

Dear Dot 2

As I begin this message, you are 8 months plus in your Mommy’s tummy.
You would have been able to guess that considering the fact that your sister, Kakak Icha would be screaming her name and my name everyday. Kakak Icha, the first Dot, is also anticipating you with much excitement. She would watch her My Little Pony cartoons on the Ipad beside your Mommy and would offer you if you would want to watch it together, albeit you being in your Mommy’s super round belly. Oh, I’m Daddy by the way.  Don’t worry, we will introduce ourselves to you formally once you arrive.

The news of your arrival was really amazing. Apparently, your early journey coincided with our journey for our Umrah. By we, I meant all 17 of your Grandfather’s nucleus family including Kakak Ina, the super helper. (She’s gone back to Indonesia now hoping to get a pair of twins so that she can name them Safa and Marwa as she somehow fell in love with those two hills while performing her Sa’i. ) We actually did 4 Umrahs. For you, that must’ve been a reeeaallll journey eh? To travel internally while Mommy was travelling and performing Umrah and all the visiting and sighseeing at the same time. Alhamdulillah. A very determined boy you are!

Yes, you heard it correct. YOU’RE A BOY!!! How could we tell? Well my dear son, let’s just say that for the past 8 months, in ALL of the scans the doctor did to see you, be it in the black and white 2D or the yellowish 4D, you covered your face with your hands and… exposed your ehem confidently.
*this is the only clear sight of your face. Inipun side profile jer*

On your Mommy’s side, you are going to be the first boy in your Tok Pa and Wan’s house. On my side, your Habib calls you the Balance One. This is because Habib and Jidah now have 7 grandchildren, 4 girls and 3 boys thus you will bring equilibrium to their grandsons and granddaughter… for now that is.

Looking back at this blog, I realize that I have not been blogging much this year. My career shift had been much harder than I had expected it to be. But its getting better now. Oh, did you overheard me telling your Mommy that I would be doing my PhD in Islamic Finance next year? Haha. I’m sure you did but you just couldn’t understand a word that was being said. I know. I can’t even hear you Mommy screaming when I’m showering what more if I’m in a bubble of water bag.

Anyhow, Insha Allah we should be expecting you sometime next month. You are welcome to arrive earlier too. No pressure.

What’s that? You want to know if we have a name for you already? Haha. Well, we had a couple of names. But because you seem to be a December baby, most of your possible names have already been used by my friends and cousins. But don’t worry. We still have a couple more names ready for you. What’s the process? Well, Mommy would be the one looking and noting all of the names and doing a background research on the name as well. She will then present it to me for my screening process. I would do some desktop research, ask some Scholars/Sheikh for their view and make a shortlist. From that shortlist (a number of which have been struck off because it was used by others) I will then test it by calling you when you arrive to see if it suits you. Then I will get both of your grandparents blessings before finalizing your name. This way, both your Mommy and I get to pick your name. Your Mommy comes up with the list, and I choose which one to be used. Any of my decisions are your Mommy’s decision. Win-win situation J

Anyway, I better get back to my work now. Kakak Icha is fast asleep. She is very tired. She had her school’s graduation and concert today. She did ballet and pop ye ye dance. Soon, you would be joining the same school and be performing too hehe.

Till then, have fun growing!

Daddy Dot 2

Dot 2 Adjourned.