HONEY in Quran

THE MIRACLE OF HONEY

Your Lord revealed to the bees: "Build dwellings in the mountains and the trees, and also in the structures which men erect. Then eat from every kind of fruit and travel the paths of your Lord, which have been made easy for you to follow." From inside them comes a drink of varying colours, containing healing for mankind. There is certainly a Sign in that for people who reflect. (Qur'an, 16:69)

 Honey is a "healing for men" as stated in the verses above. Nowadays, apiculture and bee products have opened a new branch of research in scientifically advanced parts of the world. Other benefits of honey may be described as below:

Easily digested: Because sugar molecules in honey can convert into other sugars (e.g. fructose to glucose), honey is easily digested by the most sensitive stomachs, despite its high acid content. It helps kidneys and intestines to function better.

Rapidly diffuses through the blood; is a quick energy source: When accompanied by mild water, honey diffuses into the bloodstream in seven minutes. Its free sugar molecules make the brain function better since the brain is the largest consumer of sugar. Honey is a natural composition of sugars like glucose and fructose. According to recent research, this unique mixture of sugars is the most effective means to remove fatigue and increase athletic performance.

Supports blood formation: Honey provides an important part of the energy needed by the body for blood formation. In addition, it helps in cleansing the blood. It has some positive effects in regulating and facilitating blood circulation. It also functions as a protection against capillary problems and arteriosclerosis.

Does not accommodate bacteria: This bactericide (bacteria-killing) property of honey is named "the inhibition effect." There are various reasons of this anti-microbial property of the honey. Some examples are: the high sugar content that limit the amount of water microorganisms need for growth, its high acidity (low pH) and composition which deprive bacteria from nitrogen necessary for reproduction. The existence of hydrogen peroxide as well as antioxidants in the honey prevents bacteria growth.

Antioxidant: Everyone who wants to live a healthier life should consume antioxidants. Those are the components in cells that get rid of harmful byproducts of normal metabolic functions. These elements inhibit destructive chemical reactions that cause spoilage of food and many chronic illnesses. Researchers believe food products rich in antioxidants may prevent heart problems and cancer. Strong antioxidants are present in honey content: Pinocembrin, pinobaxin, chrisin and galagin. Pinocembrin is an antioxidant that merely exists in the honey.108

How to handle STRESS

1. One thing at a time. This is the simplest and best way to start reducing your stress, and you can start today. Right now. Focus as much as possible on doing one thing at a time. Clear your desk of distractions. Pick something to work on. Need to write a report? Do only that. Remove distractions such as phones and email notifications while you’re working on that report. If you’re going to do email, do only that. This takes practice, and you’ll get urges to do other things. Just keep practicing and you’ll get better at it.

2. Simplify your schedule. A hectic schedule is a major cause of high stress. Simplify by reducing the number of commitments in your life to just the essential ones. Learn to say no to the rest — and slowly get out of commitments that aren’t beneficial to you. Schedule only a few important things each day, and put space between them. Get out of meetings when they aren’t absolutely essential. Leave room for down time and fun.

3. Get moving. Do something each day to be active — walk, hike, play a sport, go for a run, hit the gym. It doesn’t have to be grueling to reduce stress. Just move. Have fun doing it.

4. Develop one healthy habit this month. Other than getting active, improving your health overall will help with the stress. But do it one habit at a time. Eat fruits and veggies for snacks. Floss every day. Quit smoking. Cook something healthy for dinner. Drink water instead of soda. One habit at a time.

5. Do something calming. What do you enjoy that calms you down? For many people, it can be the “get moving” activity discussed above. But it could also be taking a nap, or a bath, or reading, or having sex (which can also be considered a “get moving” activity if you do it for longer than 5 minutes). Other people are calmed by housework or yard work. Some people like to meditate, or take a nature walk. Find your calming activity and try to do it each day.

6. Simplify your finances. Finances can be a drain on your energy and a major source of stress in your life. If that’s true with you, figure out ways to simplify things. Automate savings and bill payments and debt payments. Spend less by shopping less. Find ways to have fun that don’t involve spending money.

7. Have some fun! Have fun each day, even if it’s just for a few minutes. Is there something simple you like to do for fun, but you don’t do it because you are always too busy? Maybe you like to shoot some hoops or take a walk and watch the sun go down. If you have kids, take some time to play with them. find something to do every day that has nothing to do with work and any other responsibly, and take some time to enjoy yourself.

8. Get creative. Throwing yourself into a creative activity is another great way to reduce stress. I like writing, but others like to paint or play music or sketch or make pottery or do interior design or build things.

9. Declutter. This is a favorite of mine. I like to take 20-30 minutes and just go through a room, getting rid of stuff we don’t use or need anymore. I look around at anything that’s cluttering up a room, and get rid of it or find a better place for it. When I’m done, I have a nice, peaceful environment for work, play, and living. Do this a little at a time — it can be one of your “fun activities”.

10. Be early. I will admit that it’s hard to be early when you have to get 6 kids ready (seriously — try it!). But being late can be very stressful. Try to leave earlier by getting ready earlier, or by scheduling more space between events. Things always take longer than normal, so schedule some buffer time: extra time to get ready, to commute, to do errands before you need to be somewhere, to attend a meeting before another scheduled appointment. If you get somewhere early, it’s good to have some reading material.

Letting go of Stress

When stress continues over a sustained period of time it can have devastating results. Recognizing the value of eliminating stress doesn’t do us much good if we don’t have the right skills to actually do it.

How the GST affects You!

What is the Goods and Services Tax (GST)?

Known across the world as either GST or VAT (value added tax), it is a broad-based consumption tax (tax on your spending!) which affects all parties in a multi-stage taxation system across the value chain from manufacturing to sales, it is based on a tax-on-value-add concept which avoids duplication of taxes. This is in contrast to both the Sales and Service Tax in Malaysia which is just added at one stage (Sales Tax at manufacturer level, and Service Tax at consumer level).

The Goods and Services Tax in Malaysia (GST) was initially mooted by the federal government in 2011 to replace the existing Sales and Service Taxes, but was met with much resistance from the public at large, partially due to the implication of a price hike in essential goods and services, but also partially due to the lack of clarity around the current consumption tax systems in Malaysia.

How does GST work in Malaysia?

In the current tax regime, the 10% Sales Tax (on manufacturing and imports) and 6% Service Tax (on the F&B and professional services industry) is collected by one party (usually the seller) and passed on to the tax authorities.

For example, in the previous 6% Service Tax regime, when you buy a cup of coffee from Starbucks that says RM15 on the menu, you pay RM15.90 (including the current Service Tax of 6%). Starbucks will keep RM15 and pass on RM0.90 to the tax authorities.

In a GST regime (6% GST in this calculation), the following happens:

1. Starbucks buys the coffee beans from the wholesaler to make your cup of coffee for RM10 (RM10+ 6% GST). The Wholesaler keeps RM10 and passes on RM0.60 from Starbucks to the tax authorities.

2. You buy that cup of coffee from Starbucks which the beans were used to make, and pay RM15.90 (RM15 + 6% GST). Starbucks now keeps RM15 and passes on RM0.30 to the tax authorities (RM0.90 - RM0.60). The reason why Starbucks only passes RM0.30 to the tax authorities is because they have effectively already 'paid' RM0.60 in tax earlier on the first RM10, and only RM0.30 tax is left to be paid on the RM5 "value-add".

How will the implementation of GST affect me?

As mentioned, the replacement of Sales and Service Tax with GST is intended to be revenue-neutral to the government's coffers, so in theory, to consumers this may represent a minimal effect to the aggregate prices of everyday goods and services

However, the obvious concern here is to make sure that businesses do not take advantage of just the fact that GST has been introduced as a reason to raise prices of goods and services indiscriminately. To this end, the Anti-Profiteering Act has been tabled to enable enforcement against such practices. In theory though, the multi-stage tax nature of the GST should allow the Customs department to aggregate pricing information far more accurately than they do currently, the implied monitoring of this should serve as a deterrent to unscrupulous businesses (will wait and see how things pan out!).

Managing Your Financial in College

These six easy tips will help college students make the grade when it comes to forming a strong foundation for money management.

1. Create a budget. This is incredibly important. List monthly income sources, including savings, wages and parental allowances, and then write down estimated expenses for the month. It isn't easy to identify college living expenses in advance, but you should try. Take costs such as school supplies, food outside your meal plan, personal care items and laundry into account. Then, try managing your budget and tracking expenses using an online personal finance management tool like Mint.com, which helps you easily create and stick to a budget.

2. Separate wants from needs. Is $30 per week for gas a "need" or a "want?" How much should you budget for non-meal plan food? How much will laundry cost? After a few months on campus and tracking expenses, it becomes easier to distinguish wants from needs and put a plan into action. Some students give themselves a weekly cash allowance rather than carry a debit card, and when that week's allowance is gone, they wait until next week for more "wants."

3. Set up a checking account. Banks usually cater to college students by offering free checking and saving accounts, which allows students to avoid fees on withdrawals or fund transfers. Shop around to find a bank with convenient ATMs near campus to eliminate out-of-network charges. And keep in mind that when an out-of-state check arrives (say, from grandma), it may take a few days to clear, so keep an eye on the account balance before spending against it.

4. Use, don't abuse, credit cards. In 2012, 70 percent of undergraduate students had at least one credit card, according to the International Journal of Business and Social Science. College is a great time to start building credit (which is crucial for leasing an apartment, purchasing a vehicle and even landing a job post-graduation), but it's easy for many to amass a large amount of debt while in school. It's important to understand the difference between credit building and overextending. If you don't know, visit a business professor during office hours and ask!

5. Do your homework on loans and financial aid. College graduates tend to have a difficult time balancing ever-growing student loan payments against declining wages. Understand what the exactsize of your student loan debt will be upon graduation, and come up with a plan for how you will pay it back. Even if it involves moving back home for a bit (to preserve your sanity, give yourself a specific timeline for when you plan on moving out), it will be worth it in the end.

6. Shop smart for textbooks. Textbooks are one of the biggest college expenses – a brand new edition of a biology book can cost upward of $300. Bypassing the campus bookstore at the start of each semester is an easy way for college students to save an abundant amount of money. Invest in a Kindle or iPad and download your books – they are less expensive that way. Or look for books in used bookstores or online. Even with shipping costs, the price can turn out to be significantly cheaper.

The bottom line: College can be expensive, but learning the basics when it comes to money management now means you don't have to graduate with massive debt. Laying the groundwork for smart budgeting and spending habits in college enables you to handle responsibility and learn the value of accountability – lessons that are just as important as knowing microeconomic theory.

Hitha Prabhakar is a consumer spending and retail analyst and Mint.com spokeswoman, the leading web and mobile money management tool that helps people understand and do more with their money.