Thursday, January 24, 2008
it's 5.8, no more no less
is the dividend EPF (Employee Provident Fund) members get for 2007.
(yah... i know every one also know, if it's got something to do with our $$, we ought to know, right )
There's a slight improvement on the quantum of increase from previous years.
The EPF dividend rate has been growing steadily since it hit a low of 4.25 in 2002.
Thereafter, the quantum of increases over the few years has been around 0.25 to 0.5 at most.
Crediting of the funds into members' accounts will be on 1/3/08.
Till then, remember to check and update your EPF accounts.
EPF to me plays a vital role in our retirement planning. Do not overlook this fund because no matter how little (or how much) we have now, it will accumulate, compound and grow as years pass.
So far, EPF has been making steady progress in term of implementation...
For instance
1. EPF contributors will be allowed to make monthly withdrawals for financing one house effective Jan 1, 2008
2. EPF unit trust investors need pay only 3% sales charge if using contributions to invest in unit trust.
Hopefully, there will be more implementations in the pipeline which will benefit the contributors.
If you ask me, I will say EPF has done a good job but there are still major rooms for improvement. We need to move forward in order not to move backward.
Enough said.
Wednesday, January 23, 2008
in the mood for love OR lust, caution
Tuesday, January 22, 2008
heart warming days
Suddenly all the things that cross my path are so heart warming.... in fact, it reinforce to me that life is just so beautiful.
Yesterday,
while helping a friend to check on the clearance of cheque, I took some of my lunch time to speak to a colleague in my previous department.
She told me what she's been through a lot last few months where her husband had a critical heart operation which could fail or left him paralyzed.
This couple has 2 very young children age 5 and below.
The last few months was one of the hardest period in their lives but they persevere out of love for each other and their children.
She told me 'anything else doesn't really matter anymore' when loved ones have to go through life and death situation.
She had forego promotion to be team leader but does it matter?
She also said 'we are very forgetful people, we may forgot the hardship we endure after some time but we must not forget that we were given another chance, we need to appreciate it'
such are the powerful wisdoms from people who had walked the talk.
although I may not have faced much hardship but I know this much is true.
while walking from LRT station to my office. I saw a very heart warming image that I couldn't stop myself from snapping the pic.
At a glance, you may think they are friends who walked together and have hand on each other shoulder...
But if you look closer, you'll notice that these 3 friends are visually impaired.
The bond that they share and the trust that they put on each other is just awesome.
Some may see it as blind leading the blind... but why? it is because the capable wasn't willing to offer a helping hand.
I'm just as guilty for not helping them cross the road .... all because it's not the same direction and I assume others will help... come to think of it... what's so difficult of bringing them across the road and walking back??
Around 4pm, I heard bird chipping in the office. Thinking it was just some innovative ring tones, I ignored it but the chirping was persistent and grew louder.
Care Four

Monday, January 21, 2008
How do you kiss?

Don't worry, I’m not going to talk about art of kissing =p since I'm not qualified.
I’m just trying to provide answers to some of my CURIOUS friends…hehe
You all asked me ‘How do you kiss?’
I believe these can better illustrate my answers …
Sometimes it is like this....
At other times, it is like this .....
Once in a while, it is like this ....
Thursday, January 17, 2008
Wednesday, January 16, 2008
"Just like my dear dear"
Where?
Then dear pointed to the zigsaw puzzle.
From afar, without my specs I could only see 3 patch of colours.
Then dear pointed to the one in the middle…. Wakaka….
The best thing was he said
“ Just like my dear dear “
I couldn’t stop laughing
Do you see what the yellow kitty is doing ??? in the class??? wakaka....
And even till tonight, when I remembered this … I’m laughing to myself
I know I must apologize dear, for falling asleep 5 out of 10 times when we watch movies together. Or it is 6 or 7 out of 10 times? =p
Don't whether it's I didn't clean my ears that I couldn't catch all what they say
or
I'm tired yet love to watch movie with dear
or
I'm just a plain sleepy head with too much sleep debt =p
I think I know the answer..... hehe
ok.. ok let's make this one of my new year resolutions
that is
Not to fall asleep while watching movies with dear =)
Friends, you all will support me right?? kaka.... =D
Tuesday, January 15, 2008
This BIRTHDAY GIRL
Monday, January 14, 2008
Roller Coaster ride
'Daddy took the roller coaster ride ah'
I would have never imagine my dad would even want to go near a roller coaster ride.
And he used to always advise us against going for those 'dangerous' rides.
It's really something big for dad and for us all ....
When I asked dad about his ride ...
'Wah, the one really fast and scary ah' was what he said.
He said he just followed my sister and boyfriend and he was already in the queue before he realised. He and uncle just then decided to go for it.
I'm so so happy that my family and 'suk suk' enjoyed the trip very much ...
Oh... did I mentioned the things they bought for souvenirs ...
Seeing their happy faces makes me very happy ... it's the kind of unexplainable feelings.
It just makes all the efforts worthwhile ... very worthwhile
Thank you dear for being with me all these while ...
Even though I'm a sleepy piggy =p
Wednesday, January 09, 2008
2007 ... looking back (Part 2)
3rd anniversary for my bloggie... it's a big achievement, at least I've persevere for so long. We shifted office on 070707... well, this new office is definately much better. This new location has helped me save alot of money since ATM machines is not easily accessible. Plus, bonus I walk further for exercise.
My first flight on aeroplane and 1st trip overseas to Macau & Zhu Hai... thank you aunty for bringing me along. I enjoyed the trip very much =)
One of the craziest thing dear and I did was trying to finish the 5000 pieces puzzle while listening to Teresa Teng's songs the night before we travel on 7.20 flight. That was my very beautiful birthday present dear gave me.
August 07
A little girl whom I got to know not very long ago left us... We knew she's now in good hands.
It was in this month I found back my joy in reading and started reading diligently although I not a fast reader.
Thought of joining jewellery making classes, but I procrastinate and wasn't willing to part with my hard-earned money.
In conjunction with the 50th Merdeka celebration, I've blogged about my memories growing up.
Just like our country, I've tasted bitter sweet sour spicy along the journey.
Sept 07
This is the month we had been waiting for!!! The trip to BALI was superb minus the 'little mishap' that happened and the exorbitant medical fees. I have to admit I love shopping in BALI. BALI is a beautiful island. 1 thing I noticed is that at least the people there make a living decent ways although they are not well to do.
Oh... and I didn't expect to see so many doggies there =)
Oct 07
I learnt a skill or two to 'tipu' kiddies at the Ballonary workshop I attended for free. This year Hari Raya marks the 1st time I'm working on a public holiday... lucky I get a replacement though although I prefer CASH.
I did a little spring clean for my room and spring cleaned my head as well ... I cut my hair short and became 'short hair advocate' diva overnight =p
I love myself with short hair =)
Nov 07
These last 2 months of the year was filled with many many happy occasions and blessing ... mostly weddings.My sis got me to this website http://www.freerice.com/index.php and I think it's a creative way of helping the needy people.
I feel accomplished as I've check myself in for a full medical check up free of charge.
And oh... not to forget the Bachelorette Bukit Tinggi Trip.
I've improved alot ever since I confessed to be a shopaholic. And with dear's support, I've repented.
Dec 07
I'm proud of myself... I completed what needs to be done for year 2007. I had my medical checkup and went for dentist appointment. I treated myself to an exclusive holiday at Pangkor and Cameron. Got the rest and the sleep I needed.
In fact, there are so many things to write for the month of Dec 07 that I decided to write it in future.
Farewell 2007
Tuesday, January 08, 2008
2007 ... looking back (Part 1)

I just can't help but reflect back what a year it has been.
2007 was definately a year filled with laughters and tears .... but then again which year passed without laughter and tears??
Some things happened way too fast, some never happened ...
While I found my way to someone's lives, some people dearest to me left my life ..
Jan 07
Fresh from the hangover of our very long enjoyable 2006 year end holiday to Langkawi & Penang, took me a few days to get myself familiar writing the new date ending with 07 instead of 06.
Took me a couple of hours to think carefully over my 2007 resolutions
I wrote them in my blog because I really want to fulfill my resolutions and I needed support from everyone. It means alot to me.
Feb 07
Valentine's Day
Last time I used to sit at home and watched TV last time hoping that someone will ever fall in love with this girl. Then now, it's so packed everywhere that I still sit at home and watch TV, the only difference is the person whom I love is right beside me.... most probably thinking 'Why on earth did I fall in love with this girl?'
CNY last year bring back memories of childhood ... because I received many clothes ... Just like last time.
Mar 07
Was the travel to Melaka... where the UNO game was the highlight. It was this bunch of good old friends that have traveled with me ... through ups and downs ... make us laugh at ourselves when we look back.
A career development wokshop by my company .... made me realised that I've lost my enthusiasm towards my career. The workshop may have defeated its purpose..sad to say because it made me discovered there's so much more in life than career.
During then, I was praying hard to GOD because I just needed strength to carry on. GOD answered my prayers.
April 07
Was a busy month with many new funds launching by Public Mutual. April 07 was the first time I spend time answering TAG. First TAG was from anehoic. Two of my close friends are leaving their current situation for good. One resigned and join another organisation, while one went to Singapore for good. It pains my heart when she told she's no longer with her boyfriend of almost 10 years. But as long as she's happy, I'm happy for her too. It's income tax submission time again. There's never a better time to learn to be organised than filling up tax forms and ensuring all the receipts are in place.
It's the BONUS month and I was sad that my bonus and increment was just no good. Maybe, I've only got myself to blame for not working smart enough.
May 07
We have been planning for our trips for the 2nd half of the year. I celebrated Mother's Day with mummy without knowing this will be the last... if only I knew, I would have celebrated each day of the year with mummy.
The trip to taiping was like going back to nature..with the hot spring, gunung lang, lake and night safari. I had a great timeblogging about the trip too... click here to refresh memories. I did myself proud by enrolling for YOGA... which I still persistently attend till now.
June 07I discovered life's little pleasure through gardening and started growing plants. I enjoy watching them grow every day.
Dear gave me a scare when he went unconscious during our FRIM trip. Just how much I love this guy? Very much.
While I found my way to someone's lives, some people dearest to me left my life .. I will always remember the last moments spent with mummy... I'm sorry mummy, I've never love you enough. Everything seem to collapse and vanished when you left us. I took a very long time to stand up again, to be strong again but it wasn't easy.
Monday, January 07, 2008
a little more time...

no, it's not because I've lost interest in blogging
it has been a busy year end and a busier beginning of year ...
I've yet to have time to start puttings in words what I have in mind.
Mostly I only have my 'To-Do' List playing in my head and written in my little book.
I may be busy for a little more while
and when I have time, I promise I'll sit down and write a good piece
Yesteryear was a good year filled with laughters minus the tears
This year 2008 is definately a better year
Resolutions??
As old fashioned as it can be, I still insist on having my resolutions for 2008
Never mind if it's the same old ones that I didn't managed to achieve for yesteryears,
Never mind if people are laughing at my silly resolutions,
Never mind if resolutions are not 'IN' nowadays..
I'm still writing my resolutions for this year....
Cause I think it's a way of loving myself
Happy New Year everyone!!!!
May everyone of us achieve what we are aiming for....
Wednesday, December 26, 2007
the long awaited holidays !!!

Jacquelyn Victor – Gemilang
One soulful rendition of the song Gemilang ... specially composed for Malaysian Idol 1 competition.
Jacquelyn Victor ... she bought a whole new meaning to the local music industry.
She is into the song naturally effortlessly and it shows. She just so herself.
Bravo Jac !!
Tuesday, December 25, 2007
mERry ChRIsTmaS & hAppY NeW yEAr
Wishing everyone Christmas'es filled with happy'ness and laughters
Prosperous new years with many happy returns
Sunday, December 23, 2007
船 到 桥 头 自 然 直
I think he has given this issue a deep thought and is still thinking about it
He's looking for more affordable alternative for his past times (gym)
He's pre-empting us on the tightness of budget that he may not join for further overseas trip(s)
He's also looking for a value for money and fuel efficient car.
I personally think this is a good thing,
it's at times like these we tend to put ourselves in deep thought.
it's at times like these we grow up
it's at times like these we appreciate the good lives we are having
It's times like these that pushes us forward
and not stay complacent where we are.
It's not that I'm saying that life should be difficult and full of challenges (no offence to those who like complacent life)
However, it's time like these that makes us look back with a WOW and feeling fulfilled,
feeling so proud of ourselves for we have not wasted our lives.
And to my this friend,
Bravo, you've done a great job so far. Keep up the good work !!!
Sometimes (not always), 船 到 桥 头 自 然 直
literally ... boat reach jetty automatically straight
meaning ' when the time comes, you'll find a way (or ways) to handle it'
Trust me on this.
this holiday
I'm just proud of myself
For I've fulfilled my responsibilities
To take good care of myself
I've been for a full medical check up
I've been to a dentist (which I've not done for few years)
( btw, I'm still afraid of going to dentist =p
I've taken whatever measures needed
to keep myself strong and healthy
I've treated myself with rest and relaxation,
take time off from work
allocate more time for exercise
Make my room a better place (less messy)
I've helped my room to detox
I've done all my filing and budgeting
I've done alot of window shopping
not buying unneccessary items
taking stock of what I have and don't
what I really need and what I want
I've let go of some of my bad habits.
I've learnt to care more for others
rather than be a selfish me
I've learnt to give and take
And of course I'm thankful to have dear with me all the way
This holiday is and will be a worthwhile one
For it's not THE HOLIDAYS of the YEAR without a reason.
Wishing all a MErrY ChRISTmAS & HaPPy NEw YeAR
Saturday, December 22, 2007
Sometimes I just wish
Sometimes I just wish you are around to share my happiness.
Although I know you'll be watching us from above
and smiling knowing that we are safe and sound.
I miss you dearly, mummy
I miss everything of you...
Tuesday, December 18, 2007
Long overdue tag - god of prosperity
B.這8個人要在自己的博客裏註明是從哪裏接到的,並且再傳給其他8個人,讓遊戲繼續下去,不得回傳。
*Ok, the gist of the 2 paragraphs above are, I am to finished the 20 questions and then take one out which I don’t like and add one of my own. Thereafter, tag another 8 “lucky” souls to do this too..
So the next 8 tagged in no particular order will have all the abundance luck, happiness and prosperity,yada, yada, yada. So no reason not to do it!! Good karma to everyone who do it!!! :P
*Translated by Raoul and copied from Craprant.... keke
1. 小時候的理想是什麼?What was your childhood dream?
To be an adult. To be able to make decision for myself.
2. 現在最想做的是什麼事?What do you want to do most now? A healthy, happy and financially free life with my loved ones. These are what matter most to me.
3. 你會對哪種人特別有興趣?What kind(s) of person interest you?
I'm interested in all people .... Everyone is here on earth for a reason.
However I'm a little bit more attracted to ..
People with big hearts.
People who started from nothing and never give up
People who are down to earth
4. 你有多久没有傻笑了?How long have you not laughed yourself silly?
It's just something natural for me ... laughing at my own clumsiness and sillyness
5. 你最想去哪個地方?爲什麽?Where’s the one place you want to go and why?
Home where the heart belong.
6. 最受不了自己哪個缺點?What you think are your own shortcomings?
having shallow eyes that couldn't contain tears ...
having problems with tidyness
7. 如果有不開心的事情,你會怎麽辦?If you encounter any unhappy situation, how would you deal with it? Let it all out .... so that my heart is able to receive happiness again =)
8. 最害怕失去的東西?What is/are you most afraid most to lose?
The capability to love and to give.
9. 五年内比較現實的目標是什麼?What are your immediate 5yr goals?
Healthy and happy - me and my loved ones
Have a family
Work towards financial freedom.
10.覺得自己最笨是什麼?Do you consider yourself foolish? If so why/what?
I'm a foolish girl. Who hasn't been foolish before?
11.說出點你名的人的3個優點?What are the 3 strengths that you see of the person who tagged you?
Er…well read, logical and intelligent... LOL
12.你吃過最好吃的是什麼What’s the best food you have ever tasted?
I don't know where to start.
Most importantly, I can't decide which is the best =p
13.你最討厭怎樣的人?What kind of people you hate? (I suppose their characteristics)
Heartless people
14.现在最想学是什么?What’s the one thing you want to learn right now?
To take better care of my loved ones.
Just one more, a healthier life.
15.去過最美的地方是哪裡?Which beautiful place have you been to?
To earth.
16.如果被喜歡的人拒绝,怎麼辦?If you were jilted, how would you feel?
Sad but are grateful that this person has walked together with me in my life.
17. 讓你實現一個願望,會是什麼?If you could fulfill your desire now, what would it be?
Never have to worry about money. And have extra to help the needful.
18.现在你最珍惜的东西以及人物是谁?What is the most treasured thing/person in your life now?
My loved ones.
19.如果沒辦法跟自己愛的人結婚,你會怎麼辦?If you couldn’t marry the person you loved the most, what/how would you re-act?
Let him go ....
20.你今年最想收到的聖誕禮物?What you want for Christmas?
Learning to give through cooking delicious food
I got this tag from Anehoic (http://craprants.blogspot.com/), And now to tag 8 others, I nominate:
1. CY
2. Andy
3. Keef
4. Erin
5. Poh Wai
6. Jo An
7. Addy
8. Yen Ghee
Sunday, December 16, 2007
My Best Friends’ Wedding
It is the end of the year and festive seasons…. Everyone is in jovial holiday mode.
To me, attending a wedding is like giving blessings and well wishes to the new couples.
Nothing is happier than sharing love and happiness around.
(Although I love to attend wedding, I must say that it is quite taxing on my year ends budget as well) hehe…
Here,
Wishing Imran & Mai, Yuen Chai and Wai Peng
Bak Tao Do Lou
Zhou Shang Gui Zi
Weng Kit Tong Sum

Friday, December 14, 2007
my little secret... it's just between us
I think about it day and night...
I swear ... it's therapeutic and addictive
I'm doing it now ...
I'm enjoying every moment of it...
With or without dear...
But of course if dear is doing it with me...
It will feel so much more pleasurable ....
2 pairs of hands is always better than 1...
20 nimble fingers is alot more fun
If you are cringing and feel your heart palpitating,
and wanted to know what inspired me to do this
then you should read resistance is futile post by the expert, Mr Andy
who even has a video of this..
Please be reminded however, that you are clicking at your own risk....
Just sit down and enjoy every moment of it .... like I do ^^
Thursday, December 13, 2007
secret revealed
I swear it's really really therapeutic =)

bubble wrapper courtesy of dear =p keke....
Wednesday, December 12, 2007
The 4 husbands
Then a nurse came out and told to the first daddy,
"congratulation, you got twins!".
"Ohh. Maybe it's a coincident" said the daddy.
"I am working with the Petronas Twin Towers ".
Then another nurse came out and told to the second daddy,
"Congratulation! You have triplets!"
"Wooow! This is a coincident too" said the second daddy.
"I am working for 3M Corporation"
Another nurse came out and told the third daddy.
"Congratulation! Isteri you dapat kembar empat,"
"Alhamdulillah! Maybe this is also a coincident".
"I kerja di Four Season Hotel!"
While, the fourth daddy-to-be were in uncontrolled worry.
All the 3 daddies asked him, Why are you seems so worry??"
He answered, "I am working with Seven-Eleven!"
My colleague forwarded me this email, after reading and laughing very loud.
I instinctively asked her “So he got seven or eleven or eighteen?”
Guess what was her reply?
Why you so greedy? Wakaka…. Why cannot be ONE?
BOINK!!!
She has got me there …. LOL.... kakaka....
Tuesday, December 11, 2007
Stardust

Who is the ‘STAR’ of your heart?
Where is this ‘STAR’?
‘STAR’ does what it does best …. GLOW
Giving or receiving LOVE
What is a star without LOVE?
When a star is in LOVE, star GLOW naturally.
Such is the power of love.
Have you GLOW lately?
------------------------------------------------------------------------------------------------
What do stars do? They shine.
Green all over
Thursday, December 06, 2007
月亮代表我的心
This is my all time favourite ...
My mummy and daddy's all time favourite too.
Mum used to sing this song for us.
( sometimes, when I see the moon, I couldn't help thinking of mum singing this song from above to us ) Mummy, 月亮代表我的心 always there for you although not always seen.
On a lighter note, Teresa Teng ... the singer
I always think she has the most beautiful voice.
Her voice can be powerful yet 'wen rou'. I think she's a beautiful lady too.
I know most of her more well known songs, my parents used to listen to her last time.
Sorry for the emotional post. It has been raining the whole day.
Wednesday, December 05, 2007
They no longer fight
Tuesday, December 04, 2007
deprived childhood?
After watching my previous post 'I don't wanna miss a thing' video from you tube.
My friend asked me a question which I find it VERY HARD to answer.
Friend : Of all the Walt Disney cartoons in the video, which one you like the best ah?
Me : Err... very hard to say lah
Friend : There are only a few only ma in the video, like that also cannot choose meh? Aiyah... only got Beauty & the Beast, Cinderella, Sleeping Beauty, Alladin, Hercules & Mulan only ma. Why is it so hard to choose???
Me : Mmmm.... you see .... I think I've only watched and remember the story of Cinderella and Sleeping Beauty only. I've watch some parts of Mulan through the 'Colours of the Wind' music video. Ok, maybe a bit of Beauty and the Beast through music video at K-session.
Other than that, I don't really know the story of Beauty and The Beast, Alladin, Hercules and Mulan. Never watched before ma.... how to tell like which one?
Friend : What??? Are you kidding??? You had a deprived childhood is it???
Me : Because I follow what my babysitter watch ma... so most of the time it's those Hong Kong series lah. I think I want to download those Disney classics and watch.
Friend : yes, you should and please don't tell anyone until you've watched all of them. Salute for you girl!!!
Me : wahahaha....what?
BULI BALIK


Monday, December 03, 2007
I don't want to miss a thing
Dear,
Although it has just been a short 2 years, I feel we have been through alot together.
These experiences may be what brings us closer to each other.
I'm grateful that you were with me at times when I needed you most.
Every moment spent with you is a moment of treasure.
I've never found someone I want to spend my whole life until I met you (besides my family)
You've taught me the meaning of love.
You loves me unconditionally despite all my flaws
make me feel good just being myself
I am so grateful I found you.
I've missed the opportunity to be with you before but I promise I will never be so blind anymore. (yah, I know I always have a tendency to not see things right in front of my eyes)
I'll cherish you for as long as I live.
I LOVE YOU
This song is specially for you, dear. And it comes with a very very nice video ... please watch =)
Sunday, December 02, 2007
Of Secrets, Just Like Heaven and Enemy of The States
I always watch back dated movies.
Watched some movies over the last few weekends with dear =) although he had watched most of the movies =p
Shanghai Noon 1 & 2, The Hitman, Finding Nemo, Fantastic 4 - The Silver Surfer, The Secrets
Just Like Heaven, Enemy of the States
Saturday, December 01, 2007
Meet my friends =)
Welcome to our new community =) Please make yourself at home while I introduce some of my friends to you =)
ps. please read from the bottom most pic yah =)
Here, my friend Brownie who doesn't like brownies but prefer fresh green vegetables =p * wink* I meant fresh green leaves
Ms Patchy, the timid lady who speaks ever so softly. Did I mentioned chocolates melt her heart =) BTW, it's just PATCHI chocolates...not any others.
The ever cutie, Ms Greyi is the most photogenics among group of friends
Mr Dan Browne, oh he's the best story teller among us... See, he's telling Blackie the story about Mona Lisae =p











