5 Car Insurance Claims Queries that Demand your Honest Replies




In this ever-so-transforming era, people prefer to move hand in hand with the advancing schemes or policies to get the maximum benefit of any plan. Every individual looks for the security of his/her job, health, and family. Nowadays, where cars have become one’s sheer necessity for personal transportation, how can someone overlook the need to get car insurance? At least, third-party insurance coverage is mandatory as per Indian Motor Vehicle Act, 1961. As we cannot tell what is going to happen in the future, it’s better to gear up and prepare ourselves to protect our possession from any unfortunate or unexpected event. Undoubtedly, motor insurance is a must for every vehicle owner and is a legal requirement too. “As I lay rubber down the street, I pray for traction I can keep, but if I spin and begin to slide, please dear god, protect my ride.” - Anonymous In this article, we are going to focus on 5 important questions that you should answer truthfully while claiming your car insurance. But, before that, let’s go through some important tips for getting your claim accepted. Check the time limit of your policy for making claims and file your car insurance claim as soon as possible.Never try to overstate the value of your claim.Stick to the facts - the more clear details you will give to the insurance company, the more smoothly your claim will be processed.Gather evidence for your claim by taking photos or videos of the damaged car.Document every detail of your claim process with you and keep the relevant letters safe. We all have read stories about our childhood that taught us to never lie or else be ready to face the consequences. Same applies here; giving dishonest answers to important insurance questions may cause trouble to you and you may lose your car insurance claim. Car Insurance Claims in India Let’s look at these 5 important questions below that you should never lie about your car insurance claim. Q1. Where was your car parked? Think, if someone tells his car insurance company that he parks his car inside his house garage, but actually he parks his car outside on the street. In case his car got stolen, the insurance company can easily get to know about his lie. Then he must forget about his insurance cover for the loss occurred to him. Q2. Do you use your car for commercial use? You must have a commercial insurance for your car if you use your car for delivering articles, food items, or you are a real estate agent driving clients to show them property/houses. If you use your car for any commercial purpose, then don’t hide it from the insurer. Q3. Do you want to claim for the theft of your car? Never ever script the drama of fake car theft to get insurance cover. If the insurance company finds out that the car was never stolen, then they would definitely take strict actions against you. You may like to Read: All about Anti-Theft Device and Its Impact on Car Insurance Q4. Who was driving your car? You are liable for a claim if the person driving the car is of legal age and has a valid driving license, but lying about it will make it worse. The insurance company not only can deny passing your claim but also may take a legal action against you. Q5. What’s the valuation of your car? Generally, the cost of external accessories is not covered by insurance, and if you lie about your accessories to the insurance company, then this may cause delay or loss of your entire claim. While applying for a claim for an accidental insurance, this is a mandatory question, and this is something you should never lie about. Conclusion Remember! The insurance company has the right to deny your claim, penalize you with a higher premium or may even cancel your policy if you get caught lying and misguiding the insurance company in order to get your claim processed. So, honesty is a wise approach.
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Your Complete Guide to Save Money on Car Insurance Policy Renewal

8 Dosa yang Paling Banyak Dilakukan Istri pada Suami, No 3 Sering Dilakukan


Sebagai seorang istri sering tanpa sadar kita melakukan tindakan berdosa terhadap suami, bahkan menganggap dosa tersebut adalah hal biasa saja. Padahal surga dan neraka istri ada pada ridho suaminya.



Semoga 8 daftar dosa yang paling sering dilakukan oleh istri ini bisa kita hindari agar terjauh dari kebencian suami dan laknat Allah: Baca Hingga selesai ya sahabatku

1] Menyepelekan kebaikan suami

"Diperlihatkan Neraka kepadaku dan aku melihat kebanyakan penghuninya adalah kaum wanita, mereka kufur.”

Para Shahabat bertanya: “Apakah disebabkan kufurnya mereka kepada Allah?”


Rasul menjawab: “(Tidak), mereka kufur kepada suaminya dan mereka kufur kepada kebaikan. Seandainya seorang suami dari kalian berbuat kebaikan kepada isterinya selama setahun, kemudian isterinya melihat sesuatu yang jelek pada diri suaminya, maka dia mengatakan, ‘Aku tidak pernah melihat kebaikan pada dirimu sekalipun.’”

2] Tidak menghormati keluarga suami

Seorang suami harus berlaku lembut pada istrinya, namun demikian istri pun wajib bersikap lembut pada keluarga suami, terutama kedua orangtua suami. Jangan sampai istri memonopoli suaminya sehingga bahkan ibu dan bapaknya sendiri tak bisa mendapatkan hak mereka terhadap anak laki-lakinya.

Dalam sebuah hadits shahih, diriwayatkan bahwa Aisyah Ra bertanya kepada Rasulullah Saw, ”Siapakah yang berhak terhadap seorang wanita?”

Rasulullah menjawab, “Suaminya” (apabila sudah menikah). Aisyah Ra bertanya lagi, ”Siapakah yang berhak terhadap seorang laki-laki?” Rasulullah menjawab, “Ibunya” (HR. Muslim)

Seorang sahabat, Jabir Ra menceritakan: Suatu hari datang seorang laki-laki kepada Rasulullah Saw, ia berkata, “Ya Rasulallah, saya memiliki harta dan anak, dan bagaimana jika bapak saya menginginkan (meminta) harta saya itu?

Rasulullah menjawab, “Kamu dan harta kamu adalah milik ayahmu”. (HR. Ibnu Majah dan At- Thabrani).


3] Keluar rumah tanpa izin suami

Termasuk berpergian jauh tanpa ditemani oleh mahramnya.
“Seorang wanita tidak boleh bepergian kecuali bersama mahram."

Hadits di atas menyangkut semua bentuk safar. Wallahu a’lam. (Syarh Muslim: 9/103, dengan sedikit perubahan)

4]  Menolak ajakan suami berhu-bungan

Rasulullah saw bersabda: “Apabila laki-laki mengajak istrinya ke tempat tidurnya kemudian ia menolak untuk datang lalu laki-laki itu tidur semalam dalam keadaan marah kepadanya, maka ia dilaknat oleh malaikat hingga subuh.” (HR. Ahmad, Bukhari dan Muslim).

5]  Berias bukan untuk suami

"Dan hendaklah kamu tetap di rumahmu dan janganlah kamu berhias dan bertingkah laku seperti orang-orang jahiliyah yang dahulu …” (QS. Al-Ahzaab: 33)

6]  Mengungkit kebaikan dirinya terhadap suami

Tak sedikit istri yang mengungkit-ungkit kebaikan atau bahkan derajat dirinya di hadapan suaminya sehingga menyakiti dan merendahkan suaminya, hal ini merupakan perkara yang amat besar dosanya.

Abu Dzar radhiyallahu ‘Anhu meriwayatkan, bahwasanya Nabi Shallallahu ‘Alaihi wa Sallam bersabda, “Ada tiga kelompok manusia dimana Allah tidak akan berbicara dan tak akan memandang mereka pada hari kiamat. Dia tidak mensucikan mereka dan untuk mereka adzab yang pedih.”

Abu Dzar radhiyallahu ‘anhu berkata, “Rasulullah shallallahu ‘alaihi wa sallam mengatakannya sebanyak tiga kali.” Lalu Abu Dzar bertanya, “Siapakah mereka yang rugi itu, wahai Rasulullah?” Beliau menjawab, “Orang yang menjulurkan kain sarungnya ke bawah mata kaki (isbal), orang yang suka mengungkit-ungkit kebaikannya dan orang yang suka bersumpah palsu ketika menjual. ” [HR. Muslim]

7]  Membangkang terhadap suami (nusyuz)

Ibnu Katsir rahimahullah berkata, “Nusyuz adalah meninggalkan perintah suami, menentangnya dan membencinya” (Tafsir Al Qur’an Al ‘Azhim, 4: 24).

“Wanita-wanita yang kamu khawatirkan nusyuznya, maka nasehatilah mereka dan pisahkanlah mereka di tempat tidur mereka, dan pukullah mereka. Kemudian jika mereka mentaatimu, maka janganlah kamu mencari-cari jalan untuk menyusahkannya. Sesungguhnya Allah Maha Tinggi lagi Maha Besar” (QS. An Nisa’: 34).

8]  Menggugat cerai tanpa alasan syari

“Wanita mana saja yang meminta kepada suaminya untuk dicerai tanpa kondisi mendesak maka haram baginya bau surga” (HR Abu Dawud no 2226, At-Turmudzi 1187).

Astaghfirullah, semoga kita semua terhindar dari dosa-dosa diatas tersebut
Jadikanlah kami istri yang sholehah yang selalu setia dan menghormati sang suami


Sumber :bagikandakwah.blogspot.co.id
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30 Ways to Cut Health Care Costs - health insurance




If you're like most Americans, you're shouldering a larger portion of your health care costs. But as more insurers raise deductibles and switch from fixed-dollar co-payments to coinsurance -- which bases out-of-pocket expenses on a percentage of the total costs -- you have an incentive to take more control over how much you spend.

See Our slide show on 30 Ways to Cut Health-Care Costs

Therein lies a problem, however: Most people have no idea how much medical care actually costs. "If a gas station tried to charge you $10 for a gallon of gas, you'd walk away," says Jeffrey Rice, a physician and founder of the Healthcare Blue Book, a Web site that helps people compare prices for medical procedures. "But in health care, that same situation happens every day. Patients don't know what isn't a fair price, and they end up paying the equivalent of the $10 gallon of gas."

Take our advice on how to find the least expensive care without sacrificing quality and you could save hundreds or even thousands of dollars.

Pick the right provider
1. Make sure everyone you see is in-network. Most people don't realize how much they actually save by staying within the insurer's network: An imaging center in Connecticut, for example, charges a list price of $1,200 for an MRI. But your insurer may have negotiated a rate far less than that. If you were in your policy's deductible period and the facility was out of network, you'd pay the difference.

If you're referred by your doctor to a specialist, check to see that he or she is in-network. And make sure that everyone involved in a procedure is in-network, too. For example, if you're having surgery, check on the facility, the doctor and the anesthesiologist.

2. Ask about alternate facilities. Doctors often work at outpatient surgery centers as well as hospitals, and what they charge can vary widely by location. Rice, who has a high-deductible policy, shopped hard when his son had surgery on his heel last fall. He carefully picked the doctor, then called the hospital to ask how much the surgery would cost. At first, he was quoted a price of $37,000. He reiterated that he had insurance and was then told that the negotiated rate was $15,000 to $25,000. After another round, in which he pointed out that with his high-deductible policy he would have to cover a big portion of the bill himself, the hospital agreed to charge $15,000.

"Then I asked my son's surgeon if there was any other place he could do the procedure, and he gave me the name of an outpatient center," says Rice. The fees for the doctor and the anesthesiologist were the same, but the outpatient center charged only $1,515 for the facility fee -- and Rice saved thousands of dollars.

3. Find lower-cost after-hours care. The average in-network cost of an emergency-room visit is about $933 -- which you'd likely pay out of pocket with a high-deductible policy. But a visit to an urgent-care center costs only $71, on average. And a trip to a convenience-care clinic (such as Minute Clinic at CVS) averages just $33, says Jeffrey Kang, chief medical officer for Cigna. Plus, some insurers boost the coinsurance rate for non-emergency visits to the ER and waive the consumer's coinsurance payment entirely for convenience-care centers.

Sometimes you need high-level emergency-room care, but not always -- and it's best to know your options before an emergency. "Find out whether the urgent-care center in your neighborhood is in-network," says Amir Mostafaie, director of quality and training at eHealthInsurance.com. If your insurer offers a free 24-hour hotline staffed by a nurse, you can get answers to basic medical questions as well as advice about the best facility for your medical issue.

4. Save big at independent facilities. Different facilities charge vastly different prices for x-rays and tests. For example, the average in-network cost of an MRI at a hospital is $1,145, but the average in-network cost at an independent radiology facility is just $560, says Kang. "The radiologist is the same. The only difference is where the procedure is done," he says.

If you haven't met your policy's annual deductible, you could save $585 by going with the lower-cost facility. But even if you have met your deductible and you're on the hook only for a 20% coinsurance payment, choosing the independent radiology facility could still save you $117 in out-of-pocket costs.

"When doctors order a lab test or an x-ray, they write a requisition form," says Kang. "But as with a prescription, you're free to fill it at any facility. People don't understand that."

5. Ask about any extra discounts. Some plans offer additional discounts as an incentive to use certain providers. Aetna, for example, identifies "Choose and Save" hospitals, and "Aexcel" doctors, which meet certain standards for quality and efficiency. Some employer plans lower the coinsurance rate as much as 10% to 15% if you use these providers.

Save on prescriptions
6. Switch to generic drugs. The savings can be huge. Someone who takes Glucophage, Prilosec and Zocor can save more than $4,500 per year on the total cost of the drugs by switching to generic equivalents metformin, omeprazole and simvastatin, says Ross Blair, president of PlanPrescriber.com.

Not only is the list price lower, but the coinsurance rates are usually lower, too -- often 15% for generics, 25% for preferred brand-name drugs and 35% for nonpreferred brand-name drugs.

You may get an even better deal on your own. Some chain stores -- such as Walmart and Target -- charge $4 for a 30-day supply of certain generic drugs or $10 for a 90-day supply.

7. Find therapeutic alternatives. Some brand-name drugs don't have a generic equivalent yet, but they may have a therapeutic equivalent, which is in the same class of drugs but is chemically a little different, says Kang. For example, Mavik, an ACE inhibitor used to lower blood pressure, has a retail price of price of about $33 for a 30-day supply, but lisinopril, also an ACE inhibitor, is just $7, says Blair. If your doctor lets you switch to the therapeutic equivalent, you could save more than $312 per year.

8. Get your drugs through the mail. Mail-order pharmacies often provide a three-month supply of drugs for the same price as a one-month supply at a local pharmacy. This strategy could save you more than $1,000 per year on the cost of Crestor, for example.

9. Split your pills. Ask your doctor if you can save money by cutting any of your pills. For example, the 30-day cost for 20-milligram tablets of Lipitor can be about the same as the 30-day cost for 40-mg tablets. You may be able to order the larger Lipitor tablet and split it in half, saving you about $70 per month -- or more than $840 per year. Note that it's safe to split only certain kinds of medications (see a list of commonly split drugs).

10. Double up. If you're taking a 20-mg pill twice a day, ask your doctor whether it would be safe to switch to a 40-mg pill once a day. "A doctor may put a patient on 10 mg of medication twice a day, when it may be equally effective to take a 20-mg pill once a day and save significant money," says Jan Berger, chief medical officer for Silverlink Communications.

Get no-fee preventive care
11. Schedule a screening. Many insurance plans must now provide certain preventive-care screenings without charging deductibles or co-payments. Depending on your age, this rule may apply to blood-pressure, diabetes and cholesterol tests, mammograms and colonoscopies, flu shots, routine vaccines, well-baby and well-child visits, and other preventive services (see the preventive-care page at www.healthcare.gov for details).

12. Sign up for Medicare's new benefits. Medicare beneficiaries also get an expanded roster of benefits without co-pays or deductibles, such as mammograms, screenings for cervical and colorectal cancer, flu shots, pneumonia shots, and an annual wellness visit and personalized prevention plan. See "Manage Your Health" at Medicare.gov for details.

13. Cash in on wellness benefits. More than 40% of large employers surveyed by the National Business Group on Health now offer discounts for participating in wellness programs, and the average incentive to employees is $380. Some employers may add $75 to your health savings account if you participate in an exercise program, and some add even more if you get a health assessment.

14. Sign up for special programs. Many employers offer cash if you participate in a healthy-living program -- for example, 22% of the employers surveyed by the National Business Group on Health offer discounts on health-insurance premiums for people who participate in tobacco-cessation programs. Others offer free weight-loss or stress-reduction programs and incentives for signing up.

15. Get help for chronic conditions. If you have a chronic condition, such as diabetes, your insurer may provide incentives for you to take your medications, visit your doctor and have regular tests. "They're offering anything from discounted premiums to gift cards to cash to days off from work," says Berger.

Use tax breaks
16. Contribute to a flexible spending account. Money in a flexible spending account escapes both federal and Social Security taxes (and in most cases, state and local income taxes, too). You can use these tax-free funds to pay out-of-pocket medical expenses throughout the year, a benefit that is becoming even more valuable as people face higher deductibles and more cost sharing.

17. Exploit the grace period. If your employer offers a grace period until March 15 to use up the previous year's FSA money, there's a sweet spot in the first few months of the year when you can double up on available funds. Use any money left over from the previous year combined with the current year's full allocation and you may be able to fund much of the cost of such big-ticket items as laser eye surgery and major dental work. Annual FSA limits will shrink to $2,500 in 2013, so consider doing expensive procedures soon.

18. Get triple tax breaks from a health savings account. If your health insurance has a deductible of at least $1,200 for self-only coverage (or $2,400 for family coverage), then you can contribute up to $3,050 to an HSA for the year (or $6,150 if you have family coverage), plus an extra $1,000 if you're age 55 or older. Contributions lower your taxable income and grow tax-deferred -- and they can be used tax-free for medical expenses in any year.

19. Use HSA money in retirement. You can't contribute to an HSA after you sign up for Medicare, but you can still use the money tax-free for many expenses, including co-payments, deductibles, prescription drugs (including over-the-counter drugs with a prescription), vision and dental care, and a portion of long-term-care premiums based on age ($3,290 per year if you're 61 to 70, for example). You can also use the money tax-free to pay your premiums for Medicare Part B or Part D, or to pay for Medicare Advantage premiums (but not medigap premiums). See IRS Publication 502, Medical and Dental Expenses, at www.irs.gov for a list of eligible expenses.

20. Get a prescription for OTC drugs. Starting this year, you can no longer use FSA or HSA money for nonprescription drugs (except insulin). But you can use the money for over-the-counter drugs if you get a prescription. Ask your doctor for a prescription for any medications you use regularly, such as pain relievers, allergy medications, anti-fungals and cough-and-cold medicines, says Jody Dietel, of WageWorks, which administers FSAs for employers. You can still use FSA and HSA money for certain over-the-counter medical supplies -- such as bandages, contact lens solution, hearing aids, reading glasses and first aid kits -- without a prescription.

Know the rules
21. Get credit for everything. If you have a high-deductible policy, make sure you're getting the insurer's negotiated rate rather than the much higher list price, even if you haven't hit your deductible yet and are covering the cost yourself. And make sure that all of your care is counted toward the deductible. "Every time you go to the doctor, even if you pay out-of-pocket because of the deductible, you should receive an explanation of benefits from the insurer," says Mostafaie.

22. Watch out for common errors. Always get an itemized bill when you have a hospital stay or major procedure -- and question unexpected charges. Then match your bill with your explanation of benefits. Coverage may be denied just because the procedure wasn't coded properly, says Pat Pane, a medical claims specialist in Wilmington, N.C. You can find a medical claims expert at www.claims.org.

23. Ask for a cash discount. If you're in your deductible period and paying for a test or procedure yourself, get some leverage by paying cash. Some providers will cut your bill by 20% if you give them cash, says Christopher Parks, CEO of Change Healthcare, which provides health care tools for employers. Make sure you're getting the insurer's negotiated rate, and submit the claim yourself so that it counts against your deductible.

24. Negotiate a lower payment. After getting the bill, ask the provider or hospital for a break if you pay a lump sum right away. "Tell them this is the amount of money you have," says Pane. "I usually start by offering 50%."

25. Play by the rules. Annually review your insurer's rules regarding emergency care and whom to call for approval. That way, you'll have a plan in place before an emergency, and you won't get stuck with extra charges because you didn't know the drill.

Do some homework
26. Use tools at your insurer's Web site. Many insurers offer personalized tools to help members shop for care. Aetna, for example, makes it easy for members to look up specific fees for 450 physician-based services and more than 40 facility-based services. The tool shows the retail price for the procedure, the Aetna negotiated rate with each in-network provider and facility within a certain distance, and exactly how much you'll pay based on your plan's coinsurance rates and whether you've met your deductible yet. You can also check quality ratings for doctors and hospitals.

27. Sign up for your employer's tools. Change Healthcare, for example, provides large, self-insured companies with tools to help lower health care costs. Employees may be able to see the cost of doctors' visits and tests or drug costs at each pharmacy in their area. And they may get e-mail alerts or text messages when a lower-cost option is available or when a pharmacy lowers its prices.

28. Find fair prices at Healthcare Blue Book. At www.healthcarebluebook.com you can find fair prices for surgery, hospital stays, doctor visits and medical tests, based on the average fee that providers in your area accept as payment from insurers. The site also provides money-saving tips for each procedure and a pricing agreement that makes it easier to negotiate with out-of-network providers.

29. Compare drug costs at DestinationRx.com. This site shows generic equivalents and therapeutic alternatives to your medications and how much you can save through mail order or pill splitting. You may be able to access personalized information through your employer's pharmacy plan.

30. Use money-saving apps. Your insurer or employer may offer cost-saving apps for your iPhone or Android phone. Cigna, for example, offers a Cost of Drug iPhone app that lets you look up the cost of a medication and lower-cost alternatives -- then inquire before you leave the doctor's office
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Where Can You Get Affordable Health Insurance?

Astagfirullah... Inilah 10 Pekerjaan Yang Rasulullah Sebut HARAM Tapi Sering Dilakukan.. No 4 dan 9 Paling Banyak Dilakukan


Dari Abu Hurairah ra dari Nabi Shallallahu ‘Alaihi wa Sallam, beliau bersabda: “Benar-benar akan datang kepada manusia suatu masa, pada saat itu orang tidak lagi mempedulikan dari mana ia mendapatkan harta kekayaan, apakah dari jalan yang halal ataukah jalan yang haram.1)
Astagfirullah... Inilah 10 Pekerjaan Yang Rasulullah Sebut HARAM Tapi Sering Dilakukan.. No 4 dan 9 Paling Banyak Dilakukan


Musibah, bencana alam, keserakahan manusia, gaya hidup hedonis yang tamak dan rakus, semuanya merupakan pemicu munculnya ketidakseimbangan, baik pada alam maupun secara sosial.

Dari sudut pandang sunnatullah, semua itu merupakan bentuk ujian yang Allah berikan kepada setiap manusia. Namun, dari sudut pandang human’s behaviour (perilaku manusia), maka semua musibah itu adalah akibat tingkah laku mereka.

Rasulullah Shallallahu ‘Alaihi wa Sallam telah memperingatkan umatnya untuk mewaspadai pekerjaan-pekerjaan yang haram ini.

Beliau Shallallahu ‘Alaihi wa Sallam menyebutkan salah satu tanda rusaknya akhlak umat manusia dengan ketidakpedulian mereka terhadap cara mencari harta kekayaan. Di antara mata pencaharian yang dilarang adalah:

1. Pekerjaan yang berupa kesyirikan dan sihir, seperti perdukunan, paranormal, ‘orang pintar’, peramal nasib, dan hal-hal yang sejenis dan semakna dengannya.


2. Pekerjaan yang berupa sarana-sarana menuju kesyirikan, seperti menjadi juru kunci makam, membuat patung, melukis gambar makhluk yang bernyawa, dan hal-hal yang sejenis dan semakna dengannya.


3. Memperjual belikan hal-hal yang diharamkan oleh syariat, seperti bangkai, babi, darah, anjing, patung, lukisan makhluk yang bernyawa, minuman keras, narkotika, dan lain sebagainya.


Dari Abu Mas’ud al-Anshari ra bahwasanya Rasulullah Shallallahu ‘Alaihi wa Sallam melarang harta dari harga penjualan anjing, upah wanita pezinaan, dan upah seorang dukun. 2)

Dari Abu Juhaifah ra ia berkata: “Sesungguhnya Rasulullah Shallallahu ‘Alaihi wa Sallam telah melarang harta hasil penjualan darah, penjualan anjing, upah budak perempuan yang dipekerjakan untuk berzina (upah mucikari). Beliau melaknat perempuan yang membuat tato, perempuan yang meminta ditato, orang yang memakan harta riba, orang yang memberikan riba, dan orang yang membuat patung.” 3)

Dari Jabir bin Abdillah ra bahwasanya ia telah mendengar Rasulullah Shallallahu ‘Alaihi wa Sallam bersabda di Mekah pada tahun penaklukkan Mekah: “Sesungguhnya Allah dan Rasul-Nya telah mengharamkan penjualan khamer, bangkai, babi, dan patung.” Maka ada seseorang bertanya: “Wahai Rasulullah, bagaimana pendapat Anda tentang menjual lemak bangkai, karena ia bisa digunakan untuk mengecat perahu, meminyaki kulit, dan orang-orang biasa mempergunakannya untuk minyak lampu penerangan?” Maka beliau menjawab: “Tidak boleh menjualnya, ia tetap haram.”

Rasulullah Shallallahu ‘Alaihi wa Sallam lantas bersabda: “Semoga Allah memerangi kaum Yahudi. Ketika Allah mengharamkan atas mereka lemak bangkai, mereka mencairkannya lalu menjualnya dan memakan harganya.”4) Dari ‘Aisyah radiyalaahu ‘anhuma ia berkata: “Ketika diturunkan ayat-ayat di akhir-akhir surat Al-Baqarah tentang riba (ayat 275 dst) , Nabi Shallallahu ‘Alaihi wa Sallam keluar ke masjid dan membacakannya kepada masyarakat. Beliau Shallallahu ‘Alaihi wa Sallam kemudian mengharamkan perdagangan khamer, minuman keras. 5)


4. Memakan harta riba.

Hai orang-orang yang beriman, bertakwalah kalian kepada Allah dan tinggalkanlah riba yang masih ada pada diri kalian, jika kalian benar-benar beriman. Jika kalian tidak mau melakukannya, maka terimalah pengumuman perang dari Allah dan Rasul-Nya. ” (QS Al-Baqarah [2] :278-279)



5. Menimbun bahan-bahan perdagangan di saat harganya murah dan dibutuhkan oleh masyarakat dengan tujuan meraih keuntungan yang berlipat ganda pada saat harganya melambung tinggi.
Dari Ma’ mar bin Abdullah al-Anshari ra dari Rasulullah Shallallahu ‘Alaihi wa Sallam, beliau bersabda:
“Barang siapa menimbun, ia telah berbuat salah.” Dalam lafal yang lain: Tidak ada orang yang melakukan penimbunan selain orang yang berbuat salah.“ 6)

Dari Umar bin Khathab ra , ia berkata: Saya mendengar Rasulullah Shallallahu ‘Alaihi wa Sallam bersabda: “Barangsiapa menimbun bahan makanan yang dibutuhkan oleh kaum muslimin, Allah Subhanahu wa Ta’ala akan menimpakan penyakit lepra dan kebangkrutan kepadanya." 7)


6. Memakan harta anak yatim secara dzalim.


Sesungguhnya orang-orang yang memakan harta anak yatim secara dzalim, sebenarnya mereka itu menelan api sepenuh perutnya dan mereka akan masuk ke dalam api yang menyala-nyala (neraka). (QS An-Nisa’ [4): 10).

Hai orang-orang yang beriman, janganlah kalian saling memakan harta sesama kalian dengan jalan yang batil, kecuali dengan jalan perniagaan yang berlaku dengan suka sama suka di antara kalian. (QS An-Nisa’ [4]: 29).


7. Mencuri, mencopet, menjambret, dan merampok.


Pencuri laki-laki dan pencuri perempuan, maka potonglah (pergelangan) tangan-tangan mereka sebagai hukuman dari Allah atas kejahatan mereka. (QS Al-Maidah [5]: 38).


8. Mengurangi timbangan dan takaran.


Kecelakaan bagi orang-orang yang melakukan kecurangan dalam timbangan, yaitu kalau menakar milik orang lain untuk dirinya, ia meminta disempurnakan. Namun, apabila mereka menakar barang dagangan mereka untuk orang lain, ia merugikan orang lain (dengan mengurangi takaran). (QS Al-Muthaffifin: 1-3).

 9. Korupsi dan penipuan terhadap rakyat.


Dari Ma’qil bin Yasar ra ia berkata: Saya mendengar Nabi Shallallahu ‘Alaihi wa Sallam telah bersabda: “Tidak ada seorang hamba pun yang diberi amanat oleh Allah untuk menjadi pemimpin sebuah masyarakat lalu ia tidak memimpin mereka dengan ketulusan (kejujuran), kecuali ia tidak akan mendapatkan bau surga.” Dalam lafal Muslim: “… kecuali Allah mengharamkan surga atasnya.“ 8)

10. Menunda-nunda pembayaran gaji buruh dan karyawan atau mengurangi hak-hak mereka.


Dari Abu Hurairah ra dari Nabi Shallallahu ‘Alaihi wa Sallam, beliau bersabda: “Allah Subhanahu wa Ta’ala berfirman ‘Ada tiga golongan yang Aku menjadi musuh mereka; orang yang memberikan sumpah setia dengan menyebut nama-Ku lalu ia mengkhianati, orang yang menjual orang merdeka lalu ia memakan hasil penjualannya, dan orang yang mempekerjakan seorang buruh lalu si buruh menuntaskan pekerjaannya sementara ia tidak mau membayarkan upahnya.” 9)

(Sumber: Akhir Zaman: Abdur Rahman Al-Wasithi, Dari: 100 Hadits Tentang Nubuat Akhir Zaman, Az-Zahra Mediatama, Hal. 102-108)

1. HR. Bukhari : Kitab al-buyu’ bab man lam yubali min haitsu kasaba al-mal no. 2059 bab qauluhu ta’ala Ali Imran : 130 no. 2083, An-Nasa’i dan Ahmad. ‘

2. HR. Bukhari : Kitab al-buyu’ bab tsaman al-kalb no. 2237,.

3. HR. Bukhari : Kitab al-buyu’ bab mukil al-riba no. 2086, bab tsaman al-kalb no. 2238.

4. HR. Bukhari : Kitab al-buyu’ bab bai’i al-maitah wa al-ashnam no. 2236″ 90 HR. Bukhari : Kitab al-shalat bab tahrim tijarat al-khamr fi al-masjid no. 459.

5. HR. Muslim: Kitab al-musaqat bab tahrim alihtikar fi al-aqwat no. 1605,.

6. HR. Ibnu Majah : Kitab al-tijarah bab al-hukrah wa al-jalb no. 2155. AI-Hafizh Ibnu Hajar berkata: sanadnya hasan.

7. HR. Bukhari : Kitab al-ahkam bab man ustur’iya ra’iyah falam yanshah lahum no. 7150 Muslim: Kitab al-imarah bab fadhilat al-imam al-‘adil wa ‘uqubat al-jaair no. 1831. ‘ .

8. HR. Bukhari: Kitab al-buyu’ bab itsm man ba’a hurran no. 2227.
(Sumber: hikmahmuslimahmu.blogspot.com)
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Self Employed Health Insurance



Dianiaya Orangtuanya, Balita Ini Dirawat 41 Hari dan Akhirnya Lumpuh


Mempunyai buah hati menjadi dambaan sekaligus harapan bagi pasangan yang sudah menikah. Beberapa pasangan juga merasakan dengan adanya sang buah hati menjadi tambahnya kelengkapan kebahagiaan sebuah pernikahan.
Tetapi, tidak semua pasangan bisa menyikapi kehadiran buah hati dengan baik dan juga bersyukur atas adanya mereka. Banyak juga kasus yang terjadi beberapa buah hati atau darah daging mereka disiksa secara tak lazim dengan berbagai kekerasan.
Kasus kekerasan pada anak ini pun di Indonesia sudah banyak ditindak KPAI agar para orangtua tidak melakukan tindakan berbahaya bagi putra dan putri mereka. Menghilangkan nyawa batita dan balita juga akan mendapat hukuman seberat-beratnya menyangkut dengan kasus kekerasan.
Kasus kekerasan rupanya tak hanya terjadi di Indonesia. Dikutip brilio.net dari The Sun, Rabu (16/5) seorang balita berusia 3 tahun bernama Tony Smith ini harus menerima kekerasan dari kedua orangtuanya yang bernama Tony (47) dan Simpson (24) yang kini sudah dijatuhi hukuman penjara selama 10 tahun.



Smith yang pernah disiksa di usia 8 bulan oleh kedua orangtuanya ini mengalami kegagalan organ pada tubuhnya dan menyebabkan 8 tulang dalam tubuhnya patah. Smith sempat dirawat di rumah sakit selama 41 hari karena luka dalam yang ia alami di sekujur tubuhnya. Namun, memasuki usia 3 tahun Smith ternyata harus diamputasi di beberapa bagian tubuhnya termasuk kaki. Smith memang sembuh tetapi ia harus mengalami kelumpuhan.



Peristiwa yang terjadi di Inggris ini membuat orangtua asuh bernama Paula (50) dan Mark (53) tergugah hatinya untuk merawat Smith hingga kini. Smith pun akhirnya diamputasi dan tidak diberitahu bahwa ia mengalami penyiksaan sejak kecil, ia hanya mengetahui bahwa kedua kakinya digigit oleh hiu saat berenang.



Meski memiliki banyak kekurangan di tubuhnya Smith tetap ceria layaknya balita pada umumnya dan bercanda ria dengan kelima orang kakak angkatnya yang sangat iba dengan keadaan Smith hingga kini. Kedua orangtua kandung Smith pun hingga saat ini belum diperbolehkan bertemu dengan Smith.Brilio.net - 

BACA SELANJUTNYA  : (1) (2) (3)
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Pernah kamu Berpikir Mengapa ATM Tak Bisa Dibobol Oleh Tuyul ? Ini Sebabnya

Apakah kamu Sering mendengar tentang kisah hantu tuyul? Hantu yang berwujud anak kecil yang gundul dan pandai dalam mencuri uang. Tuyul memang sangat terkenal sebagai salah satu makhluk halus yang ada di Indonesia, bahkan kepopulerannya melebihi hantu lainnya. Oleh sebab itu, hampir semua orang tahu tentang makhluk halus yang satu ini. 


Menurut pandangan agama Islam, tuyul berasal dari penemuan Azazil yang tak lain adalah putra iblis yang sangat pandai dalam hal penelitian. Azazil yang juga sangat pandai dalam menafsirkan penjelasan dalam Al-Qur’an mencoba untuk menciptakan makhluk baru bernama tuyul yang kelak akan ia jadikan sebagai anak buah barunya.

Berbicara mitos tentang tuyul seolah-olah tidak pernah ada habisnya di kalangan masyarakat, terutama di Malaysia dan Indonesia. Menurut kepercayaan masyarakat serumpun ini, makhluk bernama tuyul dipelihara oleh tuannya untuk mengambi uang orang lain. Pernahkah anda terlintas dalam benak mengapa tuyul tidak mencuri di atm saja ?
Tidak perlu lagi dijelaskan bagaimana rupa tuyul. Tentu sudah umum bahwa bentuk tuyul ini seperti anak kecil dan bertingkah lucu. Namun baru-baru ini muncul pertanyaan yang cukup menggelitik, kenapa tuyul tidak mencuri uang di mesin ATM? Padahal, dibandingkan dengan uang yang disimpan di rumah, jumlahnya pasti lebih besar yang di mesin ATM.

Menurut seorang ahli paranormal, penyebab tuyul tidak bisa mencuri uang di mesin ATM adalah karena uang yang berada di dalam mesin itu diikat dengan besi.

“Jangankan besi, uang yang diikat dengan karet saja tuyul tidak akan bisa mengambilnya,” kata paranormal tersebut.

Selain itu tuyul hanya akan mengambil uang milik perseorangan yang jelas identitasnya, sementara uang yang di dalam mesin ATM tidak jelas pemiliknya siapa.

Namun ada yang pendapat bernada bercanda yang mengatakan tuyul adalah makhluk dengan peradaban yang sangat kuno, sementara mesin ATM adalah teknologi baru yang menggunakan kecanggihan keamanan digital sehingga tuyul tidak bisa mengatasinya.

Kesimpulan dari ulasan berikut diatas yakni, bukan untuk menjelaskan bagaimana tuyul ataupun mempercayai jikalau uang hilang pasti tuyul yang menagmbil. Hanya sebagai salah satu pedoman bahwa adakalanya memang ada kehidupan lain yang tak kasat mata, dan untuk itulah kita semua harus sering-sering mengingat Allah SWT dan memohon perlindungan kepada-Nya dari segala keburukan yang nampak maupun tidak.  Wallahu A’lam.
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