May

come May,
come what may,
I will survive ..
because me don't want to stay where I'm
and regret doing nothing for myself when me look back

come May,
say what may,
I will listen
because by listening to you all
me know how much you care
and me understand you all more

come May
see what may,
I will see with open mind
because if me don't see
me don't know what me didn't see

I'm glad me did something for myself
although they may be challenges ahead

I just didn't want to be where I'm now 2 to 3 years down the road.
sometimes when me look by at 2 to 3 years prior to now,
got scared as me do not see myself achieve much .. really.
it's just as simple

my bf and I

I'm happy when I'm with him :)

missing

missing riding on the swing
missing singing in the bathroom
missing dancing in the living room
missing washing the car
.. thanks to my friend 'ms.rain' who's hardworking
missing having a real good sleep

but most of all, missing the feeling of not missing something

爱 不 一 定 要 拥 有
但 拥 有 就 要 珍 惜

Once someone told me this ...

for better or worse

Housing withdrawal
before : EPF members are allowed to withdraw from Account 2 savings once in every 3 years to reduce/settle their housing loans.
for better : withdrawals (minimum amount of rm500) can be made annually from the date of last withdrawal.

Education withdrawal
before : EPF members can only withdraw for diploma courses for themselves, for children - degree courses and above
for better : now the withdrawal option is open for diploma level for EPF members themselves and their children.

Assist spouse to reduce/settle loan
for better : EPF now offers the flexibility to members to help spouse reduce/settle loan (even if the member is not a joint owner).
however, there shall be several compliances :
* the spouse must be the purchaser or borrower of housing loan.
* the property is mortgaged to a bank.
* proof of marriage is required.

Last but not least
as Syed Shahir (EPF board member) puts it :
"the life expectancy of male is early 70s & female mid70s. When a person retires at 55, he or she still has another 15 to 20 years to go. I'm concerned how he or she can take care of himself / herself if EPF savings is used up"

Loss like a child

As a child, have you been lost in a shopping centre?
How did you feel?
Did you smartly went to the information counter so that they can make announcement to look for your parents?
I was never the smart kind, so me started running around every aisle to look for someone familiar.
But the more I run, the harder to find them. Me just wished they will find me without me having to do anything.

At times, me feeling loss like a child too.
Running .. running..and running and yet didn’t find what I’m looking for. but if I stop running, I might not find them.
I’m not tired from running, perhaps only tired of running.
Alternating between running, jogging, strolling may be a good idea

falling in love?

thanks Sonia for this forwarded email
me especially like the last paragraph :p

When you are together with that special someone, you pretend to ignore that person.
But when that special someone is not around, you might look around to find them.
At that moment, you are in love

Although there is someone else who always makes you laugh,your eyes and attention might go only to that special someone.
Then, you are in love.

Although that special someone was supposed to have called you long back,to let you know of their safe arrival, your phone is quiet.
You are desperately waiting for the call!
At that moment, you are in love

If you are much more excited for one short e-mail from that special someone than other many long e-mails,
you are in love

When you find yourself as one who cannot erase all the emails or SMS messages in your phone because of one message from that special someone,
you are in love

When you get a couple of free movie tickets, you would not hesitate to think of that special someone.
Then, you are in love

You keep telling yourself, "that special someone is just a friend",
but you realize that you can not avoid that person's special attraction.
At that moment, you are in love

While you are reading this mail, if someone appears in your mind,
then u are in love with that person ... :)

life is still beautiful

life is still beautiful. period.
life is still beautiful despite little little bumps
it's those little little bumps that make life is still beautiful despite those little litle bumps ...

Lost at nowhere

me lost my way last saturday night..

me don't like being lost especially
when me don't know where am I at all,
on the road where there's no one to ask.
and when try to turn back, do not know how to go back to the place me started.
when call to ask for direction, unable to tell where exactly I'm
at night, when all the road looked the same to me
when all the road signs never read the destinations me wanted to go to.
when try to follow other cars but don't really know where they lead me to.
when it's getting a bit late
when there's someone waiting for you
why am I that bad at recognising route?
why do me need to go to a place many times then only can recognise the route?
why me only know how to reach the destination me want to go and don't know how to detour to other places
must be because me always never pay attention in car ...either sleeping or busy talking..
that's the price to pay..
the price to pay
but like they say 'nothing ventured, nothing gained' right?

blind marathon

read in The Sun recently that there were a blind marathon held in KL for fundraising and all participants manage to finish the race with their eyes blindfolded.

running a 3-km marathon with eyes blindfolded would be an adventurous attempt.
me don't think me can stroll blindfolded for 1-km.
who knows, me might be just walking around in circles :p

EPF withdrawal options

Well, it may be some 30 years away, or the options may no longer be the same, or we may have something better than EPF,
but for meantime, would like to share what are the available withdrawal options :)
just in case some of us wondering what is EPF, it stands for Employee Provident Fund.

EPF withdrawal options
· full withdrawal.
· partial lump sum withdrawal and the balance paid out on a monthly basis to the member for 5 years with a minimum payment of rm200 per month.
· monthly payment for 20 years with a minimum payment of rm100 per month.
· withdrawing only the dividend every year leaving the principal sum in EPF account

all savings that remains with EPF will be entitled to the annual dividends.
for last year, the EPF dividend rate was 5%

what a great thing to happen !

great things always happen to me, really :p
and the great thing about these great things is...
they almost always happen at some great moments and great places.

despite the fact that I'm never good at wearing high heel sandals
despite the fact that I'm 'chou lou' (cantonese word for unlady like)
despite the fact that me walk alot
I had never imagined myself breaking a PAIR of high heel sandals (not that high actually :p
on a DATE
how on earth did I do that? hard to understand, right? :p

that's not all, when I sum up enough courage to laugh at myself for breaking my 'right' sandal, the 'left' decided to give way too ..too tired of supporting my weight gua
but it was not all bad
me get to buy a NEW PAIR of sandals at PASAR MALAM (a great place)
but the best of all, the person I love had seen me at my worst moments, what could be worser.

perhaps like someone told me "sometimes things may not seem to be what we wanted but there's always a reason to it"

what a good memory

perhaps it is true that when a person lost one of his sense, he tend to have other senses that are more receptive & sensitive.
just like how a person who can't see can hear 'more'

yesterday
I walked a visually impaired man from the bandar tun razak LRT station to his block of flats opposite bandar tun razak community centre.
since me heading that direction too to car, so me think why not?

me knew he lives on block B but me still asked him where's he heading to.
Actually this is the 2nd time me met him. The 1st time was like few weeks back.

as we walked together, me asked him about his job, about his daily travel, about his eyes condition and how he became visually impaired..etc
while he asked me about the traffic condition in KL, the development around town, the increase in petrol prices..

he then asked me
"suara cik saya macam pernah dengar. cik pernah bantu saya jalan sebelum ini dekat sini juga kan? "
what moved me was he can still remember I told him I work at Jln Raja Laut, KL
at that moment, me feel 'gam zhuk'
the feeling is like "me may not have done many great things, but he made me feel at least I had done something meaningful. something so small and yet it meant something so great.

When we reached the stairway up to block B,
he said "kalau lain kali, cik nampak saya, kalau tak susah boleh cik teman saya jalan? kalau saya jalan seorang, sunyi"

while walking to car, me thinking
boleh..sure boleh
what's this compare to a person who cannot see but remember your voice and where you work when all you did was walked him home once

but the problem is
I STILL DON'T KNOW WHAT'S HIS NAME

What a great idea??

Read in the papers the other day
" Charity group banks on horseracing to raise funds "

a great idea? yes? no?
at first glance, me was thinking " wah, if charity fund all kalah habis how? "
however, when me think further, it can work like this
" if horse 1 wins the race, the organisation pledge RMB 1000 "
" if horse 9 wins, the organisation pledge RMB9000 "

come to think of it, it doesn't matter what they do as long as at the end of the day, the funds are raised successfully.

there it goes again

before me get used to
BLR being 6.25%
and petrol price at rm1.62 per litre

just within such a short period of time
some banks had announced BLR to be at 6.50%
and petrol price has just gone up by 30 cents to rm1.92 per litre

and me was one of those kiasu people who went to fill up petrol right before the clock strike 12 midnight :p
had never done so before, so thinking of trying for once.
lagipun my petrol almost reach 'E'
if cinderella exist, she'll be rushing to fill petrol too before the clock strike 12. she drives, doesn't she? :p

and before we can finish saying the word 'aiya, increase again'
we will most likely see some 'dominoes effects'
" because this increase, this increase, then this and this increase also loh. apa boleh buat? "

but why is everything rising at a breakneck speed?
already I'm merely surviving .. at times barely surviving
..sigh

BAD-MINT-ON

it's a beautiful saturday morning and a group of girls decided that they want to play badminton.
with great enthusiasm and energy level, we proceed to the payground near keef's home.
don't not know what happened? but it's abit strange that I'm willing to give up my precious sleep to be there by 7.30am

it has been sometimes since me hold a racquet [ and now me forgot how to spell :p ]
for the first few minutes, we were hitting the wind although the shuttler cock (bulu tangkis) was right in front of us.
yah, me getting old.. eyesight no good, hitting not sharp, precision and estimation no good, no energy to run about
but we had a great time laughing at each other..haha..
and the breakfast was great :) although me still didn't understand how the fella calculate.. selamba sahaja :p

ps. although the aunty selling kuih at tayton pasar pagi not open, me enjoy walking the pasar pagi :)
ps. my buttock actually pain on sunday but me still want to play this saturday :p

why do we sometimes hurt the person we love most the most?

after reading there was this little girl story

me have a question
why do we sometimes hurt the person we love most the most?

Human capitalist

heard of venture capitalist? what about human capitalist?
(please don’t get me wrong, I’m not referring to human flesh business)

Now, there's a new asset class .. human capital.
meaning instead of us investing in stocks (equities), bonds, unit trust, futures & options or forex, we can now put our investment on human's potential … productive capacity of human.

Here's an illustration how it works.
Ms.Smarty is looking for funds to complete her MBA.
She applies a contract, going through a rigorous screening that includes a review of her academic transcripts, an essay & an interview.
If she seems promising, the company will invest in her intellectual stock and mentor her, and she will pay between 1% - 4% of her accumulated net worth for every US$10,000 she receives, for up to 15 years after graduation.
If Ms.Smarty makes million, her payments will be hefty. If she earns nothing, she pays nothing. That’s a wager
source : The Star (25/6/2005)

Although pharmaceutical companies used to finance research and venture capitalist look for top talent at top school, this is the 1st time future earnings instead of current assets is considered as collateral for funding.

Who win, who lose or draw in the long term, we do not know.
May be Nobel laureate Milton Friedman who first floated this concept knows best.

SPCA

" this jie jie bully me, woke me from my sleep just because she wants to take photo "

"now me can revenge, bite her then she know" :p