Archive forOctober, 2008

10 Things Hospitals Won’t Tell You

SmartMoney.com
By Reshma Kapadia

1. “Oops, wrong kidney.”
In recent years errors in treatment have become a serious problem for hospitals, ranging from operating on the wrong body part to medication mix-ups. According to a report from the Institute of Medicine, at least 1.5 million patients are harmed every year from being given the wrong drugs — that’s an average of one person per U.S. hospital per day. One reason these mistakes persist: Only 10% of hospitals are fully computerized, with a central database to track allergies and diagnoses, says Robert Wachter, chief of the medical service at UC San Francisco Medical Center.

But signs of change are emerging. More than 3,000 U.S. hospitals, or 75% of the country’s beds, have signed on for a campaign by the Institute for Healthcare Improvement implementing new prevention measures such as multiple checks on drugs. As of June these hospitals had prevented an estimated 122,300 avoidable deaths over 18 months.

While the system is improving, it still has a long way to go. Patients should always have a friend, relative or patient advocate from the hospital staff at their side to take notes and make sure the right meds are being dispensed.

2. “You may leave sicker than when you came in.”
A week after Leandra Wiese had surgery to remove a benign tumor, the high school senior felt well enough to host a sleepover. But later that weekend she was throwing up and running a fever. Thinking it was the flu, her parents took her to the hospital. Wiese never came home. It wasn’t the flu, but a deadly surgical infection.

About 2 million people a year contract hospital-related infections, and about 90,000 die, according to the Centers for Disease Control and Prevention. The recent increase in antibiotic-resistant bugs and the mounting cost of health care — to which infections add about $4.5 billion annually — have mobilized the medical community to implement processes designed to decrease infections. These include using clippers rather than a razor to shave surgical sites and administering antibiotics before surgery but stopping them soon after to prevent drug resistance.

For all of modern medicine’s advances, the best way to minimize infection risk is low-tech: Make sure anyone who touches you washes his hands. Tubes and catheters are also a source of bugs, and patients should ask daily if they are necessary.

3. “Good luck finding the person in charge.”
Helen Haskell repeatedly told nurses something didn’t seem right with her son Lewis, who was recovering from surgery to repair a defect in his chest wall. For nearly two days she kept asking for a veteran — or “attending” — doctor when the first-year resident’s assessment seemed off. But Haskell couldn’t convince the right people that her son was deteriorating. “It was like an alternate reality,” she says. “I had no idea where to go.” Thirty hours after her son first complained of intense pain, the South Carolina teen died of a perforated ulcer.

In a sea of blue scrubs, getting the attention of the right person can be difficult. Who’s in charge? Nurses don’t report to doctors, but rather to a nurse supervisor. And your personal doctor has little say over radiology or the labs running your tests, which are managed by the hospital. Some facilities employ “hospitalists” — doctors who act as a point person to conduct the flow of information. Haskell urges patients to know the hospital hierarchy, read name tags, get the attending physician’s phone number and, if all else fails, demand a nurse supervisor — likely the highest-ranking person who is accessible quickly.

4. “Everything is negotiable, even your hospital bill.”
When it comes to getting paid, hospitals have their work cut out for them. Medical bills are a major cause of bankruptcy in the U.S., and when collectors are put on the case, they take up to 25% of what is reclaimed, according to Mark Friedman, founder of billing consultant Premium Healthcare Services. That leaves room for some bargaining.

Take Logan Roberts. The 26-year-old had started work as a business analyst near Atlanta but had no insurance when he was rushed to the ER for an appendectomy. The uninsured can pay three times more for procedures, says Nora Johnson, senior director of Medical Billing Advocates of America; Roberts was billed $21,000. “I was like, holy cow!” he says. “That’s four times my net worth.”

After advice from advocacy group The Access Project, Roberts spoke with hospital administrators, telling them he couldn’t pay in full. Hospitals frequently work with patients, offering payment plans or discounts. But to get it, you have to knock on the right door: Look for the office of patient accounts or the financial assistance office. It paid off for Roberts, whose bill was sliced to $4,100 — 20% of the original.

5. “Yes, we take your insurance — but we’re not sure about the anesthesiologist.”
The last thing on your mind before surgery is making sure every doctor involved is in your network. But since the answer is often no for anesthesiologists, pathologists and radiologists, what’s a patient to do? Los Angeles-based entertainment lawyer and patient advocate Michael A. Weiss repeatedly turned away out-of-network pain-management doctors on a recent visit to the hospital.

We’re not suggesting you go as far as Weiss did to save money, but do ask for someone in your network if you’re alert enough. If it’s an emergency and you’re stuck with an out-of-network doctor, call your insurance company to help resolve the issue. If it’s elective surgery, ask a scheduling nurse in the surgeon’s office to find specialists in your plan, says South Bend, Ind.-based billing sleuth Mary Jane Stull. And if you know your procedure will be out-of-network, call the hospital billing department to negotiate. It will likely point you to a patient representative or the director of billing. Once you’ve dealt with the hospital, then try the surgeon or other specialists involved — some hospitals will back you in those discussions, Friedman says.

6. “Sometimes we bill you twice.”


Crack the code of medical bills and you may find a few surprises: charges for services you never received, or for routine items such as gowns and gloves that should not be billed separately. Clerical errors are often the reason for mistakes; one transposed number in a billing code can result in a charge for placing a catheter in an artery versus a vein — a difference of more than $3,900, Stull says.

So how do you figure out if your bill has incorrect codes or duplicate charges? Start by asking for an itemized bill with “miscellaneous” items clearly defined. Some telltale mistakes: charging for three days when you stayed in the hospital overnight, a circumcision for your newborn girl or drugs you never received. Ask the hospital’s billing office for a key to decipher the charges, or hire an expert to spot problems and deal with the insurance company and doctors (you can find one at www.billadvocates.com). Their expertise typically will cost up to $65 an hour, a percentage of the savings or some combination of the two. If you want to be your own billing sleuth, talk to the highest-ranking administrator you can find in the hospital finance or accounts office to begin untangling any mistaken codes.

7. “All hospitals are not created equal.”
How do you tell a good hospital from a bad one? For one thing, nurses. When it comes to their own families, medical workers favor institutions that attract nurses. But they’re harder to find as the country’s nursing shortage intensifies — by 2020, 44 states could be facing a serious deficit. Low nurse staffing directly affected patient outcomes, resulting in more problems such as urinary tract infections, shock and gastrointestinal bleeding, according to a 2001 study by Harvard and Vanderbilt University professors.

Another thing to consider: Your local hospital may have been great for welcoming your child into the world, but that doesn’t mean it’s the best place to undergo open-heart surgery. Find the facility with the longest track record, best survival rate and highest volume in the procedure; you don’t want to be the team’s third hip replacement, says Samantha Collier, vice president of medical affairs at HealthGrades, which rates hospitals.

The American Nurses Association’s Web site lists “magnet” hospitals — those most attractive to nurses — and a call to a hospital’s nurse supervisor should yield the nurse-to-patient ratio, says Gail Van Kanegan, an R.N. and author of How to Survive Your Hospital Stay. She also suggests calling the hospital’s quality-control or risk-management office to get infection statistics and asking your doctor how frequently the hospital has done a certain procedure. While reporting these statistics is still voluntary, more hospitals are doing so on sites like www.hospitalcompare.hhs.gov, which compares hospitals against national averages in certain areas, including how well they follow recommended steps to treat common conditions, says Carmela Coyle, senior vice president for policy at the American Hospital Association.

8. “Most ERs are in need of some urgent care themselves.”
A new study from the Institute of Medicine found that hospital emergency departments are overburdened, underfunded and ill prepared to handle disasters as the number of people turning to ERs for primary care keeps rising. An ambulance is turned away from an ER once every minute due to overcrowding, according to the study; the situation is exacerbated by shortages in many of the “on call” backup services for cardiologists, orthopedists and neurosurgeons. And it’s getting worse. Currently, 73% of ER directors report inadequate coverage by on-call specialists, versus 67% in 2004, according to a survey conducted by the American College of Emergency Physicians.

If you can, avoid the ER between 3 p.m. and 1 a.m. — the busiest shift. For the shortest wait, early morning — anywhere from 4 a.m. to 9 a.m. — is your best bet. If you are having severe symptoms, such as the worst headache of your life or chest pains, alert the triage nurse manager, not just the person checking you in, so that you get seen sooner, says David Sherer, an anesthesiologist and author of Dr. David Sherer’s Hospital Survival Guide. Triage nurses are the traffic cops of the ER and your ticket to getting seen as quickly as possible.

9. “Avoid hospitals in July like the plague.”
If you can, stay out of the hospital during the summer — especially July. That’s the month when medical students become interns, interns become residents, and residents become fellows and full-fledged doctors. In other words, a good portion of the staff at any given teaching hospital are new on the job.

Summer hospital horror stories aren’t just medical lore: The adjusted mortality rate rises 4% in July and August for the average major teaching hospital, according to the National Bureau of Economic Research. That means eight to 14 more deaths occur at major teaching hospitals than would normally without the turnover.

Another scheduling tip: Try to book surgeries first thing in the morning, and preferably early in the week, when doctors are at their best and before schedules get backed up, Sherer says.

10. “Sometimes we don’t keep our mouths zipped.”
Contrary to what you might think, sharing patient information with a third party is often perfectly legal. In certain cases, the law allows your medical records to be disclosed without asking or even notifying you. For example, hospitals will hand over information regarding your treatment to other doctors, and it will readily share those details with insurance companies for payment purposes. That means roughly 600,000 entities that are loosely involved in the health care system have access to that information. These parties may even pass on the data to their business partners, says Deborah Peel, the founder of Austin, Tex.-based Patient Privacy Rights Foundation.

If you want to access your medical records, you don’t have to steal them like Elaine did on Seinfeld after she learned a doctor had marked her as a difficult patient. You are legally entitled to see, copy and ask for corrections to your medical records.

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gOD and Money

God and Money

MarketWatch
By Thomas Kostigen

We’re all one faith in the religion of getting rich

Lots of people pray they’ll get rich. But increasingly, that rite is being taken more seriously.

In a recent survey of people with at least $25 million to invest, “hard work, smart risk-taking and God” were credited for wealth accumulation. Recently, Time magazine’s cover story asked “Does God Want You To Be Rich?”

Investment funds, investment strategies and investment advisers specialize in particular religious beliefs, tailoring products and services to a certain faith’s principles. There are even faith-based hedge funds. These mechanisms and maneuvers tie into both old and new ways of thinking about being rich.

Muslims, for example, are forbidden from receiving interest from their investments, so practices have to be established to adhere to this principle. And certain Christian groups forbid investing in anything that promulgates birth control.

But a new and broader way of thinking about money is sweeping all faiths: It’s OK to be rich.

Time magazine explores this concept in depth specific to Christians. The “prosperity movement,” as it is dubbed, is growing — big.

In a poll, Time found that 61% of Christians believe that God wants people to be prosperous. Almost one-third believes that if you give your money to God, God will bless you with more money. Another 17% consider themselves part of a movement to prosper.

With more than two billion Christians on the planet, that could add up to a lot of active investors — which may explain why the Christian Brothers Investment Services is in the news so much. The Aug. 21 edition of Pension & Investments, a financial-services trade publication, named four CBIS funds as top performers in their asset class. This distinction is prominently displayed just below the group’s banner, “Responsible Stewardship of Catholic Institutional Investments.”

CBIS, with $4 billion under management representing more than 1,000 catholic institutions, plays an active role in the management of its money, seeking corporate reform where it sees fit and lobbying for better shareholder rights.

As Time points out, there is a wide embrace and new interpretation of biblical passages, such as John 10: 10: “I have come that they may have life, and that they may have it more abundantly.”

Worldwide faith

But it isn’t just Christianity, as it were, looking to profit. Muslims have devised a whole system of investing around Sharia, the part of Islamic law that stipulates what’s legal, or not.

God and Money - Continued

Popularity of Muslim investing compelled Dow Jones to create an index around it: The Islamic Index. Why? Consider that the Abu Dhabi Investment Authority, responsible for investing all of the government’s oil reserves and assets, has $500 billion alone, and that hedge funds such as Shariah Capital in Greenwich, Conn., have been created to invest private Muslim capital, and it’s easy to understand the size of the market.

Jewish investment groups have sprung up as well, adapting investment criteria to halacha, Jewish religious law.

Make no mistake, there are many who believe profit-making and religious beliefs are at odds. The charitable Jewish concept of tzedakah is a high belief that runs through pretty much all faiths.

Time magazine points out that the prosperity movement among Christian groups has “infuriated a number of prominent pastors, theologians and commentators.” They would like people to give unto others, not only themselves.

And there are Muslim clerics who are opposed to many types of Shariah investing. Some say the interpretation of taking and receiving interest can be too loose. Indeed, it’s difficult to understand how a Shariah-compliant hedge fund could invest in debt instruments.

A prayer for pieces of eight

In any event, people now seem to want God on their side when they are making money.

Wachovia’s Calibre multifamily office, which conducted the survey of people with more than $25 million to invest, found that 47% called their wealth “a blessing from God.” Eighty-five percent have had their wealth for 10 years or less, Wachovia’s Calibre said.

It didn’t say whether or how much they donated, or what else they did with their money. But I bet the Atlanta-based Christians Financial Professionals Network, which has trained 1,000 advisers, could tell you.

It seems God and money may no longer be at odds. In fact, combining the two may be a new way to attract investors to the capital markets. After all, the Bible doesn’t say, “Money is the root of all evil.” It says, “The love of money is a root of all kinds of evil.”

The difference in wording could make you rich — with God’s blessing.

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Wahai TuhaN..

Wahai Tuhan

Ku tak layak ke syurgaMu

Namun tak pula aku sanggup ke nerakaMu

Ampunkan dosaku, terimalah taubatku

Sesungguhnya Engkaulah pengampun dosa-dosa besar

Dosa-dosaku bagaikan pepasir di pantai

Dengan rahmatMu ampunkan daku

Oh Tuhanku

Wahai Tuhan

Selamatkan kami ini

Dari segala kejahatan dan kecelakaan

Kami takut kami harap kepadaMu

Suburkanlah cinta kami kepadaMu

Kamilah hamba yang mengharap belas dariMu…

”People thought I was going through hell. Maybe I was partly, but still I was doing what I wanted and a dream was coming true”

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Balance Sheet of Life

The happiness of life is made of little things - a smile, a hug, a moment of shared laughter - its not the wealth you amass but what you give to others & the lives you touch that you take with you for eternity!

BALANCE SHEET OF LIFE
Our Birth is our Opening Balance!

Our Death is our Closing Balance!

Our Prejudiced Views are our Liabilities

Our Creative Ideas are our Assets

Heart is our Current Asset

Soul is our Fixed Asset

Brain is our Fixed Deposit

Thinking is our Current Account

Achievements are our Capital

Character & Morals, our Stock-in-Trade

Friends are our General Reserves

Values & Behaviors are our Goodwill

Patience is our Interest Earned

Love is our Dividend

Children are our Bonus Issues

Education is Brands / Patents

Knowledge is our Investment

Experience is our Premium Account

The Aim is to Tally the Balance Sheet Accurately.

The Goal is to get the Best Presented Accounts Award.

Some very Good and Very bad things …

The most destructive habit…………………..Worry

The greatest Joy………………………….Giving

The greatest loss…………….Loss of self-respect

The most satisfying work……………Helping others

The ugliest personality trait………….Selfishness

The most endangered species……….Dedicated leaders

Our greatest natural resource……………Our youth

The greatest ’shot in the arm’……….Encouragement

The greatest problem to overcome……………..Fear

The most effective sleeping pill……..Peace of mind

The most crippling failure disease…………Excuses

The most powerful force in life………………Love

The most dangerous pariah……………….A gossiper

The world’s most incredible computer……..The brain

The worst thing to be without………………. Hope

The deadliest weapon…………………..The tongue

The two most power-filled words……………’I Can’

The greatest asset………………………….Faith

The most worthless emotion……………….Self-pity

The most beautiful attire………………….SMILE!

The most prized possession…………….Integrity

The most powerful channel of communication…..Prayer

The most contagious spirit……………..Enthusiasm

The most important thing in life………………GOD

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Dari Ustaz Akill Hayy

Di dalam hidup manusia, yang penting ialah BERKAT.


Bila hidup kita berkat, diri ini akan selamat.


Apabila diri selamat, rumahtangga jadi sepakat.


Apabila rumahtangga jadi sepakat, masyarakat jadi muafakat.

Apabila masyarakat jadi muafakat, negara kita menjadi kuat.

Apabila negara menjadi kuat, negara luar jadi hormat.

Apabila negara luar jadi hormat, permusuhan pun tersekat.

Apabila permusuhan tersekat, pembangunan pun meningkat.

Apabila pembangunan pun meningkat, kemajuan menjadi pesat.

TETAPI AWAS, apabila pembangunan meningkat, kemajuan menjadi pesat,


kita lihat bangunan naik bertingkat-tingkat.

Ditengah-tengah itu, tempat maksiat tumbuh macam kulat.

Apabila tempat-tempat maksiat tumbuh macam kulat, KETIKA ITU manusia mula

mengubah tabiat.

Apabila manusia telah mengubah tabiat,


ada yang jadi lalat ada yang jadi ulat.


Apabila manusia dah jadi ulat,

sembahyang makin hari makin liat.

Apabila sembahyang jadi liat,

orang baik ada yang bertukar jadi jahat.


Apabila orang baik bertukar jahat,

orang miskin pula nak kaya cepat.


Apabila orang miskin nak kaya cepat,

orang tua pula nak mati lambat.


Apabila orang tua nak mati lambat,

tak dapat minum madu telan je la minyak gamat.

Yang lelaki, budak budak muda pakai seluar ketat.


Semua nak tunjuk kuat.


Bila berjudi, percaya unsur khurafat.


Tapi hidup pula yang melarat.

Tali kasut dah tak berikat.


Rambut pun jarang sikat.

Yang perempuan, pakai mini sekerat.


Suka pakai baju ketat.


Suka sangat menunjukkan pusat.


Hingga tak pedulikan lagi batasan aurat.


Pakai pulak yang singkat-singkat.


Kadang-kadang ternampak benda ‘bulat’.

Bila jadi macam ini, siapa lihat pasti tercegat.


Silap gaya jadi gawat, bohsia bohjan lagi hebat.


Duduk jauh berkirim surat ..


Bila berjumpa, tangan berjabat.


Kemudian pakat lawan peluk siapa erat.


Masa tu, nafas naik sampai tersekat-sekat.


Usah peduli agama dan adat.


Usah takut Allah dan malaikat.

Yang penting apa kita nak buat?


Kita ‘bukti’ lah kita buat.

Akhirnya perut kempis dah jadi bulat.


Apabila perut kempis dah jadi bulat, maka lahirlah


pula anak-anak yang tak cukup sifat.


Bila anak-anak tak cukup sifat,

jam tu kita tengok bayi dibuang di merata tempat.


MAKNANYA KETIKA ITU, IBLIS MULA MELOMPAT.


Dia kata apa?

Habis manusia dah masuk jerat.


Habis manusia telah tersesat.


Inilah dia fenomena masyarakat.


Oleh itu wahai saudaraku dan para sahabat,


Marilah kita pakat mengingat,


Bahawa dunia hari ini makin singkat,


Esok atau lusa mungkin kiamat,


Sampai masa kita semua akan berangkat! .


Berangkat menuju ke negeri akhirat.

Di sana kita akan ditanya apa yang kita buat.


Masa tu, sindri mau ingat.

Umur mu banyak mana mu buat ibadat…?


Zaman muda mu, apa yang telah mu buat…?


Harta benda anta, dari mana anta dapat…?

Ilmu anta, adakah anta manafaat…?

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Dilemma

Apasal la aku belum terfikir nak bentang sejadah,

Hidup senang rezeki datang melimpah,

Nak dirikan sembahyang, rakan baik, syaitan suruh lengah-lengah,

Allah tarik nikmatku sampai nangis keluar air mata darah barulah padah.

Apasal la aku malas sembahyang,

Allah kasi aku jasad siap dengan bayang-bayang,

Bukan ke lebih baik dari tiang,

Berdiri tanpa roh malam dan siang.

Apasal la aku malas sembahyang,

Kerja dah best keluarga pun dah senang,

Negara aman damai tak lagi hidup berdagang,

Takkan 5 minit 5 waktu aku tak boleh nak luang.

Apasal la aku malas sembahyang,

Allah kasi otak supaya aku tak bangang,

Allah kasi ilmu boleh fikir susah senang,

Allah kasi nikmat kenapalah aku tak kenang.

Apasal la aku malas sembahyang,

Tengok TV, main bola aku sanggup sampai petang,

Beli tiket konsert, bayar time shopping aku sanggup beratur panjang,

Ingat masuk syurga masuk neraka boleh main hutang-hutang??

Apasal la aku malas sembahyang,

Aku kena ingat umur kita bukannya panjang,

Pagi sihat entah petang nanti dah kejang,

Nanti dalam kubur kena balun sorang-sorang.

Apasal la aku malas sembahyang,

Seksa neraka cubalah aku bayang,

Perjalanan akhirat memang terlalu panjang,

Janji Allah Taala akan tertunai tak siapa boleh halang…

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The Flowers of Manchester

One cold and bitter Thursday in Munich, Germany,
Eight great football stalwarts conceded victory,
Eight men will never play again who met destruction there,
The flowers of English football, the flowers of Manchester

Matt Busby’s boys were flying, returning from Belgrade,
This great United family, all masters of their trade,
The pilot of the aircraft, the skipper Captain Thain,
Three times they tried to take off and twice turned back again.

The third time down the runaway disaster followed close,
There was slush upon that runaway and the aircraft never rose,
It ploughed into the marshy ground, it broke, it overturned.
And eight of the team were killed as the blazing wreckage burned.

Roger Byrne and Tommy Taylor who were capped for England’s side.
And Ireland’s Billy Whelan and England’s Geoff Bent died,
Mark Jones and Eddie Colman, and David Pegg also,
They all lost their lives as it ploughed on through the snow.

Big Duncan he went too, with an injury to his brain,
And Ireland’s brave Jack Blanchflower will never play again,
The great Matt Busby lay there, the father of his team
Three long months passed by before he saw his team again.

The trainer, coach and secretary, and a member of the crew,
Also eight sporting journalists who with United flew,
and one of them Big Swifty, who we will ne’er forget,
the finest English ‘keeper that ever graced the net.

Oh, England’s finest football team its record truly great,
its proud successes mocked by a cruel turn of fate.
Eight men will never play again, who met destruction there,
the flowers of English football, the flowers of Manchester

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The Moment you are in Tension

The Moment you are in Tension
You will lose your Attention
Then you are in total Confusion
And you will feel Irritation
Then you will spoil personal Relation
Ultimately, you won’t get Co - Operation
Then you will make things full of Complication
Then your blood pressure may raise Caution
And you may have to take Medication
Instead, try to understand the Situation
And try to think of a Solution
Many problems will be solved by Discussion
This will work out better for your Profession
Don’t think it’s my free Suggestion
It’s only for your Prevention
If you understand my Intention
You will never come again to Tension

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Quotes

Among His proofs is that He created for spouses from among yourselves , in order to have tranquility and contentment with each other, and He placed in your hearts love and care towards your spouses. In this, there are sufficient proofs for people who think. – Al-Quran Surah 30 : Ayat 21

You must not lose faith in humanity. Humanity is an ocean; if a few drops of the ocean are dirty, the ocean does not become dirty. –Mohandas K. Gandhi

A human being is a part of the whole called by us universe, a part limited in time and space. He experiences himself, his thoughts and feeling as something separated from the rest, a kind of optical delusion of his consciousness. This delusion is a kind of prison for us, restricting us to our personal desires and to affection for a few persons nearest to us. Our task must be to free ourselves from this prison by widening our circle of compassion to embrace all living creatures and the whole of nature in its beauty. – Albert Einstein

If the first inward thought is not warded off, it will generate a desire, then the desire will generate a wish, and the wish will generate an intention, and the intention will generate the action, and the action will result in ruin and divine wrath. So evil must be cut off at its root, which is when it is simply a thought that crosses the mind, from which all the other things follow on. – Imam Abu Hamid al-Ghazzali (Ihyaa Uloom Al-Deen 6/17)

“Barangsiapa yang menganggap segalanya mudah pasti akan terima kesulitan”

“we will not survive if we don’t respond to the radical way in which the world is changing”

Your attitude can :

make you or break you

heal you or hurt you

make friends or enemies

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