Aiman Azlan

Motivator

Vlogger

Author

Freelancer

I'm Aiman Azlan,
Motivator, Vlogger, and Author
from Perlis, Malaysia.

I have rich experience in youth engagement, both online and offline. I am passionate about social issues involving the local youth community. In 2015, I founded Aiman Azlan Academy to empower the youth with sustainable self-confidence through effective communication skill.

What I Do
Motivational Speaking

Engaging the youth, locally and internationally, through motivational speaking programs of various format, such as talks, forums, and seminars.

Training

Teaching communication skills, like vlogging, English speaking, and public speaking, through one-to-one or small group workshops.

Vlogging

Sharing thoughts and answering questions in video form on Youtube and Facebook, touching upon relevant youth topics of today.

Writing

Writing motivational and self-help books about various youth topics, such as self-confidence, identity, love, education, career, and community.

Social Media Advertising

Producing advertisements for products or services through social media copywriting and videomaking. Managed by Gushcloud.

Proofreading

Reading and making grammar corrections for final year project papers, theses, resumes, CVs, and other student-related writings.

Why Do We Read?

My PBAKL 2017 book haul

My name is Aiman Azlan. I am a motivational speaker, a Youtuber, a social media influencer, and an author. I wrote and published 3 books to date: Hidup Penuh Erti (2014), The Other Side of the Coin (2014), and Bercinta Selepas Nikah (2015).

Having said that, can I be honest about something? I don’t like reading.

There, I said it.

It might be a bit weird for an author to not like reading, given that he writes books hoping that other people will read them. But if you look at it differently, it is not weird at all because you don’t need to like reading to become an author. In fact, you don’t need to like reading to read.

Reading, at the core of it, has nothing to do with liking it or not. Why? Because in principle, reading is not a hobby. Reading is a need. To put it simply, I think of reading the same way how I think of exercising.

It doesn’t matter if you like exercising or not. The fact is, you need to exercise regardless. Otherwise, your physical health will deteriorate. That is especially true given that our modern lifestyle involves a lot less movements.

So whether you like it or not, you need to exercise. Get your body moving, your heart pumping, and your blood flowing. Otherwise, your body will end up being tired, slow, and ultimately unable to perform to its full potential.

After that, when there is a small physical activity you have to do, your body can’t handle it and you start to complain about how hard it is - even though that activity is just you walking up a flight of stairs. A simple task can seem heavy when your body isn’t maintained well.

Same thing can happen to the mind. The mind needs exercise too. Otherwise, like the body, the mind can end up being tired, slow, and ultimately unable to perform to its full potential. Without exercise, the mind can’t do a simple task - like thinking properly.

A simple thinking process can be “too heavy” because the mind lacks exercise.

So how do we exercise the mind? Well you guessed it - you need to read. Reading is like jogging for the mind. It keeps the mind fit and ready to face the world with its infinite problems that require critical and creative minds to solve.

If not, then you will complain that something is “too heavy” for your mind to handle. Of course it’s too heavy, your mind is obese my friend.

Lift a book and read!

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Do you want to master your confidence?

Speak Up! Project focuses on creating a strong foundation of inner confidence. We apply the confidence in practicing essential soft skills: English speaking, public speaking, and debating.

Click here to get updates about our next confidence-upgrading programs.

Owning Your First House? Here are 3 Things You Should Know!



Earlier this year, my wife and I bought a house.

Owning a house is everybody’s daydream, but the process of owning one can seem like a nightmare because of the amount of debts you are getting yourself into.

To start with, my wife and I am not a big fan of debts. We don’t own credit cards, we own a used car, and we rented a house for the first 3 years of our marriage. We prefer to spend the money we own, rather than pretending that we are wealthier than we really are.

If we can avoid debts, then we will avoid it by all means. If we can’t, then we will be sure to pay back as fast as possible. Like with the case of the used car we bought, we borrowed a sum of money from a family member and we paid him back in full within 2 years. The car is now ours, debt-free.

So the decision to finally buy a house is not something that was made overnight. It was the result of a long discussion between my wife and I, mostly about how necessary it is to own one and what is the best way to do it.


Question #1 - Rent or Buy?

Obviously, a house is a necessity. No question about that. But is it necessary to own one? Can’t we just rent forever? That was one thought that we had and it is tempting to walk that road. We don’t have to worry about debts and we have a house to live in.

But there is one issue: the amount that we pay for rent every month will accumulate to the amount equivalent to own a house. On top of that, rental price can increase over time. So, we could be paying more than the amount to own a house. But that’s just the economical incentive of owning a house.

Beyond that, there is another thing that we are concerned about. By renting, we are actually staying in somebody else’s house. Meaning, the owner can kick us out any time with due notice. Despite having the ability to pay the rent every month, the owner can have their house back.

Can’t blame the owner. It’s their house anyway.

On top of that, since we don’t own the house, we can’t pass it down to our kids. A house, unlike a car, is an asset that you can pass down as inheritance. But, you need to own it. You can’t pass down a rented house.


Question #2 - Cash or Financing?

Obviously, we don’t have RM300k in cash. It would be nice to have it, believe me. But we don’t. We could save up money, but then we have to deal with the fact that housing price is increasing.

So, our next best option is to use our money as much as we can afford, plus a financing plan. As I said before, my wife and I hate being in debt so this decision was not easy.

Many don’t realize this, but financing is not a necessity to begin with. It is a luxury. So, it is wise to think twice before deciding to swipe a card or enter a bank to ask for a financing plan. If you don’t need to be in debt, then don’t.

For us, we have decided that we need to own a house. Seeing that we managed to find one that is reasonably cheap compared to the market price and seeing that we are in a strong enough financial position to afford a financing plan, we went for it.


Question #3 – Which Financing Plan?

Generally speaking, making a choice of financing plan is a no brainer for me - of course I will choose Islamic. It is a spiritual choice that I have made peace with long ago. But when it comes to Islamic financing versus conventional loan, I have to admit that I was a bit skeptical about it in the beginning.

Not because of the “Islamic” part, but because of how similar it looks on the surface when you compare it to the conventional option. In both options, you go to a bank, ask for money to buy a house, you buy the house, and you pay the bank back the money - plus something extra.

I can’t deny the fact that both look very similar on the surface. So for a while, I stayed away from it just for that reason. It is only after I made my own research on Islamic financing and looked deeper into it that I realized that it is actually different than a conventional loan. Extra reading on the topic of Islamic financing really opened my eyes on the matter.

A conventional loan is exactly how I pictured it; you asked a bank for money, the bank lends you some, and you pay it back. But you don’t pay the exact amount that you owe, but you pay more. The extra that you pay is called interest or usury or riba.

I have a major problem with riba, mainly because Allah has forbid us to go near it.

“…Allah has permitted trade and has forbidden interest…” (Surah al-Baqarah, Ayat 275)

So when I saw that Islamic financing looks kind of the same with a conventional loan, I thought that it might be riba but packaged in a different way.

Though it might look the same, but the mechanism is quite different. In an Islamic financing, you are not really loaning money. Islamically speaking, you can’t make profit on top of a loan. That is why the technical term used is always Islamic financing and not Islamic loan.

If it is not a loan, then what it is? To put it simply, it is a business deal made between the bank and you. You don’t ask the bank for money. Rather, you asked the bank to buy the house for you first. Then, you will buy the house from the bank. The extra that you pay is the profit (i.e. not riba) that the bank is entitled to because the bank is selling you something (i.e. the house).

Having the basic mechanism explained to me has put my heart at ease about Islamic financing.

I made a mistake of assuming that conventional loan and Islamic financing are one and the same. If you are not sure, then ask. Go and find out for yourself and then make a decision. Any decision shouldn’t be made without being properly informed about the thing that you want to decide on.

Do your homework. Have a discussion with your spouse about the necessity of owning a house. Get out and find out about the financing options available for you. Ask the people who know about the topic to explain it to you.

People like IBFIM, for example, can help you out with all that you need to know about Islamic financing. Regulated by Bank Negara, they also provide various qualification training programs in Islamic finance. So in case you want to go deeper into the subject, IBFIM is the place to go: ibfimonline.com/about-us

After having all the right knowledge at your disposal, only then can you make a well informed decision about something, especially something as important as owning a house.

Recent Vlogs

Contact Me

Location

Arau, Perlis MY

Phone number

+6 013 416 4652

Website

www.aimanazlan.com