關於 judge me examples ，我們在網路上蒐集到這些相關的討論、資訊與評價

10 tips beli rumah . jom ruang kan masa membaca . tak salah kita menambah ilmu . 😊

1. Pilih Loan Yang Betul
Pastikan loan pertama yang anak muda buat dengan bank adalah loan rumah. Bukan loan kereta. Ini adalah kerana loan kereta akan menyebabkan komitmen anak muda semakin tinggi dan kelayakan di pihak bank untuk beli rumah semakin berkurangan. (Kalau nak pakai kereta jugak, pastikan guna nama orang abang, kakak, atau ayah. Asalkan bukan nama kita. Nak senang lagi, mintak nak...
Continue Reading10 tips to buy a house. Let's space the time to read. It's not wrong for us to add knowledge. 😊

1. Choose The Right Loan
Ensure the first loan that young people do with the bank is a house loan. Not a car loan. This is because car loans will lead to young people's commitments getting higher and the qualifiers on the bank to buy houses are reducing. (If you want to use a car, make sure to use the name of your brother, sister, or father. As long as it's not our name. Want to be easy again, asking to continue paying their car)

2. Use Company Accounts As CashFlow
If young people do business, make sure that customers bank in to the company account. Not a personal account of young people. If the customer banks into a personal account, it will NOT be counted as INCOME. So, lose it there. If anyone missed it, transfer back to the company account with a note ′′ CASH SALES ". If you are eating your salary, and within the same time your own business, register the company. ENTERPRISE is enough.

3. Pay KWSP
If young people are doing their own business, make sure to set your salary for yourself and pay your own business. When applying for loan bank later, there will be 2 types of income of young people. That is income from business, and income from your own salary. For salary payment, use company check to pay. Avoid transfer online only. And make sure to make Payslip and cop together.

4. Don't Influence ASB Loan and Personal Loan
Don't be quick to take ASB Loan or Personal Loan. Because this type of Loan is always the factor that leads to our home bank rejected loans. If you want to take ASB Loan too, make sure that after passing your home loan, then take it once. For me, if you plan to buy a second property, don't take an ASB loan anymore. Because usually the bank will offer us after we pass our first home loan. (but it's different if your income is big, if just taking ASB Loan and monthly payments doesn't give a big effect on your DSR, it's okay.

5. Buy First Home For Investment
For the first home, make sure you buy for investment purposes. Why did I say that? Because if young people buy to sit by themselves, it will be a expenses for young people. It's different if young people buy it in cash. Investment is also divided into two. Either Cash Flow or Capital Gain. If young people choose to cash flow investment. It means young people rent the house to others. Ensure the rent given is nothing less than the bank's monthly payment. Another one is Capital Gain. This means, young people buy a house at a certain period, and when the value of the house increases, young people sell / flip the house and get profit from the sale. This way is called Capital Gain.

6. Don't Combine The Name Of Husband Wife When Buying
Avoid combine the name of husband and wife while buying a house. This is because, everyone is only eligible to get a 90 % loan for two houses only. If the 70th house, only get a loan for 70 %. This means, if you follow the rules, a couple of wives will be able to buy 4 houses. But if combine the name, it will be only 2 houses to get a loan of 90 %. So, you'll lose it. The right rule for a husband and wife is... Buy 4 houses, 1 to sit alone, and 3 more for rent. It's a profit from renting that house to pay monthly for the house that you sit. Isn't it like sitting like that?

7. Ensure CCRIS Records CLEAN
CCRIS record is a record from Bank Negara that collects our debts with financial institutions in Malaysia. To make it easier for you before you decide to make a home loan, make sure you check your own CCRIS record first. Later you'll see your debt list and next to your monthly payment list. If it's 0, it means your record is clean. You're a man of mind. If it's 1, this means there's 1 months out, then 2,3,4 and so on. The way to check is to go to the National Bank and use the machines provided. Or now can apply online only. I'll show you the other day.

8. Three Types Of Home You Need To Know
There are three types of homes you can buy.
FIRST - undercons house (meaning under construction). Usually undercons homes are suitable for people who plan on FLIPPING (Selling) when they're done. If you're looking for a house with discount 7%, then you just need to remove 3 % capital. If you can find a house that gets 10 % discount, then you don't need to withdraw the capital to pay deposit.
BOTH - House of subsale. (means the house is done and has someone else's name). For this type of subsale house, a very large capital is required. If the house is RM500, 000, then a deposit of RM50, 000 is required. Added again with legal fees, etc.
THIRD - Auction House. Among these three types, auction houses are at very high risk. But it's okay.. high risk, the return is high.. If winning auction bid is much cheaper than market price, you'll be lucky.. For auction types, you need to study in terms of market value, house state, neighborhood and others before committing to join the bid. If you ask me, I'd rather buy a UNDERCONS house. 😊

9. Buy Undercons Home
If you choose to buy a house under cons, then choose a big developer. Examples like SP Loyal, IJM Land, Sime Darby, Worldwide and others. The first reason why to choose this developer is less risk. Meaning, the risk for abandoned projects is very low. If you choose a developer with no name, the risk is very high because they may lack capital or have other problems and cause the project can be abandoned. We will lose too later.
Second reason, if a big developer, they usually provide many benefits to their property buyers. For example, 5 %- 10 %, free air conditioner, alarm system, vinyl floor and more. Additionally, big developers will usually provide plenty of facilities in a residential park that they are developing. Look at SP Loyal example. So lucky people buy a house in this nature. How many new facilities they get. For example, there are malls, mosques, banks, parks, and more.

10. Buy Following Skills
Buy a house according to ability. Don't follow the lust. Yerlah, sometimes we are affected by friends who buy big houses, we also want to buy a big house. Loan may be able to pass.. but when entering the monthly payment chapter, it's really burdening you. Monthly commitment is higher than the income you get. Last-last, outstanding! So, to avoid this happening, before deciding to buy any house, make sure you count first about your monthly income ability to pay the house later.

11. Extra Tips
It's normal if loan for the first house, the bank wants to see your CCRIS record. Depends on some banks too. If you have never made a loan with a bank, then your ccris record is empty. And banks can't judge how discipline you are on loan payment. So, if this problem happens to you, there are 2 ways you can do it.
FIRST, you apply credit card and use it. The way to use the correct credit card is, swipe during the day, and at night keep paying back the credit card. This is to prevent you from forgetting to pay.
, make personal loan in the lowest amout in Easy RHB. This way, the bank will see a track record that you are a good debt payer.Translated

I cannot speak for the individuals whose choices have affected our world and our lives, but I can represent myself as I am.

I am proud and blessed to be human, and I appreciate all the different cultures which shaped me into who I am today. We are all incredible creatures of the Universe with equal blessings, capabilities and time, and being able to experience this life with the people we love and doing what we love everyday has brought nothing but happiness and joy; and I’m confident that there are a lot of people like me in this world who feel the same way. This is why we need to protect what we love by doing what we feel is right, deep in our purest hearts, even if it’s uncomfortable. We can’t do it alone and we don’t have to do it alone.

There is nothing new when we see ignorant individuals hiding behind the comforts of their excuses to divide and blame specific groups instead of taking the necessary and responsible actions in order to be the leaders we desperately need in these dark times. We are all leaders within our families, communities, professions and our personal selves. Together we can bring positive change to our lives by contributing our daily blessings towards unity and positive action. Every human being is entitled to pursue a life valued at our highest potential. If we must judge, judge the actions of those responsible, and not by their culture or beliefs. Judge the end results from the choices made to be aware of what needs to be done or celebrated. Being able to witness parts of the world uniting together on the road to recovery has not only provided a glimpse of hope for our future but also the miracle of strengthening our values as united human beings. If we must blame, blame ourselves for not taking good care of the needs of our world. I believe, not in perfection, but in growth and self-learning as there will always be room for improvement, even at the mountain top.

Understand that in most countries where human rights and freedom of speech are rarely protected and practiced, because the reality is, freedom is just not a public luxury for the majority. We need to give ourselves the chance to understand deeply and work out each other’s differences calmly instead of using fear to fuel our hatred and insecurities. Hateful words too often lead to hateful actions that can harm millions of lives, as we have witnessed throughout our history. Only clowns would be stupid enough to repeat them. Only the selfish would use this opportunity for their own benefit. If you were to imagine yourself at the end of all that is, ask yourself: what have you done or even said to contribute to our evolution and inner growth?

While our World fights bravely against the unknown, it’s clear to see that no matter the differences between our peoples and cultures, we are all in this together. This epidemic sees no color, respects no class or age, and recognizes only the best values of life. Victory only blesses the united, and now more so than ever, we must focus all our efforts, skills and resources to work with one another. Heroic examples set by all our health care workers, supermarket staff, restaurant cooks, delivery men and women, volunteers, inspiring leaders and everyone on the frontline providing and protecting all of us around the world. They are the true heroes of humanity, our true guardian angels. Thank you. - Al Rocco

我不能代表那些选择影响了我们的世界和生活的人，但我可以代表我自己。

作为人类，我感到自豪和幸福，我欣赏所有不同的文化，是它们造就了今天的我。我们都是宇宙中奇妙的生物，生来平等，都有权利拥有祝福、能力和时间，能够和所爱的人一起经历此生，和每天做自己热爱的事，带给我的只有幸福和快乐。我相信这个世界上有很多像我这样的人，他们有同样的感受。这就是为什么即使过程艰辛，我们也要拼尽全力遵循我们的内心，做自己认为正确的事情, 来保护我们的挚爱。在这个过程中，你不是孤独的，也不会孤独。

我们经常会看到有些无知的个体躲在各种借口堆砌的舒适圈中，分裂和指责特定的群体，而不是在这样一个黑暗的时候，承担一个领袖应该承担的责任和行动。我们都是每个家庭、社区、职业和自我的领导者，当下，通过积极的应对和祈祷，我们可以一起为我们的生活带来积极的改变。每个人都有权利通过最大化发挥自己的潜能追求生命的价值。如果我们一定要评判，那就评判那些理应负起责任的人的行为，而不是批判他们的文化或信仰。通过所做的选择来判断最终的结果，了解需要做什么，需要庆祝什么。能够目睹世界各地在复苏的道路上团结在一起，不仅让我们看到对未来的希望，同时证实我们人类坚守价值观的奇迹。如果我们一定要责备，那就责备我们自己没有好好对待地球对我们的期许。我坚信，我们希望看到的不是完美，而是不断的成长和自我学习，我们总有自我提升的空间，即便你站在山的高峰。

理解在不同体制的国家，对于公民权益和言论自由有着不同的理解与实践。现实是，对大多数人来说，这并不是最主要的公共奢侈品。我们需要给自己一个深度了解，思考和解决彼此分歧的机会，而不是利用恐惧的力量来点燃我们的仇恨和不安全感。负面语言的力量总是会导致可怕的行动，这已经影响了数百万人的生活，我们已经见证了我们的历史。只有小丑才会愚蠢地重复他们的话，只有自私的人才会利用这个机会为自己谋利益。在这一切结束的时候，问问自己，你做了什么，你说了什么，对我们人类的进化以及我们内心的成长有积极的贡献?

当世界勇敢地与未知作斗争的时候，我们可以清楚地看到，无论我们的民族和文化有多大的差异，我们都是捆綁在一起的。流行病不分肤色，不分阶级和年龄，只强调生命的价值。团结就是胜利，现在比以往任何时候都更重要！我们必须集中所有的努力、技术和资源来互相合作。所有的卫生保健工作者、超市工作人员、餐馆厨师、送货员、志愿者、鼓舞人心的领导人，他们为了保护我们奋战在世界各地的第一线，为我们树立了英雄的榜样。他们是人类真正的英雄，我们真正的守护天使。谢谢。- Al Rocco

Session with @yasminmogahed by the river @tiarasaescapes #Dopsfaithcation2018
••••••••••••
Time does not heal wounds
A plaster does not heal the gun shot wound
We need to treat it and get some help and medication. Let it go through a healing process.
U should not surpress pain - it makes it worse.
U can’t cover up - it does not solve it - unhealthy way to deal with pain.
Suppression :- a volcano - it erupts
Suppression - explode
We must unlearn this
It’s not about being a robot or heartless or cold, no expression

Crying is a mercy - as part of the healing process
Sabr in grief - u can cry and feel sad
Don’t judge our grief - it stalls the healing.
If u haven’t healed - it means u have stalled it by yourself - by hiding and not dealing with it - covering the gun shot wound with a plaster.
So many examples of prophets feeling sadness
Human sadness - being sad and grief, hopelessness and despair are diff - Iman and faith - sets them apart - protects us

Even though it is dark today, the sun will always rise and a believer always has hope

Only Allah can heal - the real healing, the best doc
Complain to Allah ask Allah to heal y, I’m broken.
Unresolved grief and pain will turn into anger

Ayub Prophet who was wanted by aw a walw.
Iman gives more help - never be afraid of the trial, ease will come after difficulty

Prophet Yusuf
Adam - we have wronged our own selves
And of u don’t forgive us we will be abound the relor

Next extreme - picking a scab

Give yourself permission to be human - u are not meant to be a robot
Alow yourself to go through the healing process
Do not surpress or picking the scab - looking at your exes photos etc Have u really moved on?
Don’t depend on yourself thinking u got this.
Take it to Allah, ask Allah, the Doc to heal u and give u ease.

Process of healing :-
Ask for ease - make it easy for me
Allah can make anything difficult easy.
U can do this through prayer - seek help through sabr and prayer
Your 5 daily prayers are the oxygen of your heart
U need oxygen to survive like breathing
Tahajud - sajdah, doa and lots of tears
Going through emotion to Allah,
Focus on doas
AM & PM adhkar

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## TRANSCRIPT E:
Alright this’s going to be a fun episode. It’s the first video that I speak English to my Vietnamese people - and heck, I’m not that ready to do this.

How can I talk to native English speakers with an accent. Will they judge?
By now you know that I’m not a native English speaker. I was born in Vietnam and only seriously learnt English in tenth grade or so. That’s why it’s naturally that I have an accent. It means that the way we talk is not as natural as native speakers do.

That’s why many of you DMed me and asked if people judge when you talk like this - or how I can talk confidently with an accent - I guess.

The answer is you - talk. Passionately. And don’t hold back.

But think about it. A lot of people say that they are not confident in speaking because they are afraid that people will judge them. They use it as an excuse to not learn English and speak in the first place.

Most people don’t even try. They keep thinking in their head that people will judge them. And they would never get better so they stop and they never learn.

So my friends, just talk. Talk passionately. Talk with all you have. There’s no how-to-talk tips or tricks. You just have to try. You just have to put yourself in the situation that you must talk. A lot. I guess that’s the secret. You must put yourself in situations that you must talk, a lot!

Let me give you a few examples.
Back in high school, I enrolled in this TOEFL class and every other day, the teacher would ask us to listen to tapes of conversations in English. I listened to them then write them down word, by word, by word. We literally use the cassette player because the teacher was kind of old-school cool that way. I had this big-ass SONY cassette player and every day I would tick … tick przz. Then in class, he would make round. Each of us will speak out loud, in front of the class each sentence.
But I knew that each session, I could only speak probably five or six times. That’s not enough. So I asked the teacher, if he could spent a few minutes each session to review a tape in which I pre-record all the conversations of that class.
That’s one way I did it. I put myself in the situation that I was held accountable by the teacher, that every session, I would submit my speaking cassette to him. And he was so kind to expect that and spend the time to help me. But here’s the thing, most people don’t ask. Most people don’t put in the work.

Another example,
All the years I was in college, each semester I would have a Math class with this specific professor that I like so much. But in the first period of my entire college life, he talked so fast with a lot of terminologies that I had no clues what they mean.
I was confused and overwhelmed so at the end of the period, I stayed and wanted to approach him to ask how I could do better. Would I be able to catch up with this class. And it took me seriously nearly five minutes just to go and talk to him because heck I was afraid that he would judge me, right?
But I forced myself to go talk to him and ask for his help. And he said I would be just fine. Go get this book and do some readings and he would help me as well.
The way he taught was so cool. He made each Math problem as an opportunity for students to present the solution in front the class. And guess what I did?
I knew that I would be shied. I knew that I was scared. I knew that I spoke terribly and I had an accent. I knew that I’m afraid that the whole class would judge because of my accent.
this. I’m still trying to get better. That’s why till this day, I record myself teaching something, speaking if not every day then every week.

You just have to talk. A lot. Every day.

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