Wednesday, April 28, 2010

Raining…. flies and fish? o_o

yesterday it rain! hooray! haha..but it made me so sleepy i didn’t get to study much :( *regret regret*

but but but…today…i have a story to tell. or more to a discovery :)

in the toilet…

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now i’m starting to wonder…why do these flies appear during rainy season…then after one night all of them fall on the ground? what is the purpose of their existence? yet to be researched…when i finish exam and get down to doing it, i will find out.. ADVENTURE awaits… :)

not enough not enough…another discovery…

on my way down to the canteen for lunch… at the LONG WINDY staircase to my beloved hostel, SAUJANA, i found this…

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believe me! this is not a cooked fish! look at the blood..look at the skin… what on earth is this doing on the staircase? did it just rain fish? whats this? end of the world? see the sky is like starting to get dark… (haha..this part i just made it up). you know like in a movie..the sky will slowly get dark… ahah… anyway..back to the fish…

so fishy on staircase…how did it get there? a mystery.

and and and…the cat that pass by…sniff sniff…then never eat it pun…now cats don’t eat fish?

muahahahhahahahahah….i’m crazy… :) interesting world we are in…interesting in good and bad way…depends on how you live in it :) have fun studying people..or to those who finish (ish!) have fun holidaying :)

Sunday, April 18, 2010

BEWARE!!!

Emails on rape drug 'make sense'

Importance of naming beneficiary

http://nst.com.my/Current_News/NST/articles/23epf/Article/index_html

2010/04/19

NAMING beneficiaries to your Employees Provident Fund account will help prevent any dispute in claiming the money you have left behind.

It is an assurance that your savings will go to your intended beneficiaries, and in the process, expedites the payment to your loved ones in the event of your death.

In the interest of securing the future of your loved ones, you are encouraged and advised to specify the name of the individual or individuals you intend to leave your savings to.

Q: So how do I nominate?

A: Making a nomination is easy. All you need to do is complete the KWSP 4 (AHL) Form and submit the form to the nearest EPF office. The form can also be downloaded from the EPF website at www.kwsp.gov.my.

Q: Can I name more than one nominee?

A: Yes, you can name more than one nominee to receive your EPF savings upon death.

You are required to list their names in KWSP 4 (AHL) Form and specify the percentage that each beneficiary will receive.

Q: Can I change my beneficiaries?

A: Yes, and you should do so whenever circumstances change, such as marriage, divorce, additional new members or the death of a nominated beneficiary. To change your beneficiary, simply complete a new KWSP 4 (AHL) Form. This will automatically cancel any earlier nomination made.

Q: Who can be authorised as a witness of my nomination?

A: Anyone aged 18 and above can be the witness of your nomination, provided that he or she is not your nominated beneficiary.

Q: What about nomination for Muslim members?

A: For Muslim contributors, the beneficiary named can only act as an administrator/executor who will be responsible for distributing the savings of the deceased to the rightful heirs in accordance with the Faraid Law.

Q: Does a will supersede a nomination?

A: No, it doesn't. If you have made an EPF nomination, your nominee(s) shall be entitled to your EPF savings regardless of what is stated in your will.

By the same token, a marriage or a divorce will not revoke any EPF nomination made. As such, it is imperative that members update their nominations should the need arise.

Q: Can my nomination be revoked?

A: Yes, your nomination is automatically revoked upon the following circumstances:

- Upon the death of the nominee during your lifetime;

- By notice of revocation made by you as contributor;

- By subsequent nomination made by you as contributor;

- Upon making age 55 withdrawal; leaving the country; making the incapacitation withdrawal, and pensionable employees.

Q: What happens to my EPF savings if I fail to nominate?

A: In the absence of nominating your beneficiaries, the EPF will pay the savings of the deceased to the next of kin that in its opinion, has the right to receive the savings.

If a contributor's EPF savings were less than RM25,000:

- Initial sum of RM2,500 will be paid to the next of kin.

- The balance will be paid after a two-month period from the date of the member's death.

If a contributor's EPF savings is more than RM25,000:

- Initially, a sum of RM2,500 will be paid to the next of kin.

- The second payment (not more than RM17,500) will be paid to the next of kin two months from the date of the member's death.

- The balance of the savings will be paid upon submitting the Letter of Administration/grant of probate/distribution order/Faraid certificate from the party that administers estates such as Amanah Raya Berhad, the court or the Land Office respectively. The process of obtaining these documents is time-consuming in addition to requiring fees to be paid. Nominating beneficiaries to your EPF savings account is essentially free.

Q: Can I check my nomination?

A: Yes, by visiting the nearest EPF office and producing your identification card/MyKad over the counter for verification purposes. Alternatively, you can write to: Nomination Unit, Registration Section, The EPF Petaling Jaya Office, EPF Building, Jalan Gasing, 46598 Petaling Jaya, Selangor. You are required to mail a copy of your identity card/MyKad together with your letter.

Q: When will payment be made to my nominee?

A: If you have made a nomination, immediate payment will be made to your beneficiaries upon your death.

<b>For further enquiries on how to nominate, please contact the nearest EPF office or log on to www.kwsp.gov.my.</b>

Thursday, April 15, 2010

Flash back

I remembered. At Penang Hill. A man once told me. “Start praying for your future husband. That wherever he is, that he continues to grow in the Lord. And that the Lord will keep him from falling or sway.” That man was RT.

I did. A silent prayer. That is what does it all :) At times things least expected happened. And things that you expect backfired. haha.at least it applied to me. and i wonder why… Life is full of wonderful mysteries..some yet to be unfold :) be ready…for anything (the good and the bad).

No one say life is easy. But we can always be sure that we are not alone in all things. Someone is watching over us :)

Wednesday, April 14, 2010

A scary experience for me, but an edifying testimony for theresa

Taken from her sister’s blog : http://melancholythongs.blogspot.com/2006/06/my-13-yr-old-sisters-testimony.html

Theresa’s testimony

So here is her testimony in her own writing. I’ve skipped typing in Day 1 to shorten it; otherwise it is as unchanged and is as she wrote it. But I think she herself shortened it a lot as well, I see a lot of details missing like how she bumped her head real hard and how everyone was constantly checking her dying pulse, made an ‘A’ framed stretcher with wood from the jungle along with other stuff. I’m waiting on my younger brother who has the other side of this testimony as he carried her out the woods and how he saw things from his side of view. But here’s my 13 year old sister’s testimony first:

EYM Youth Camp

Before I attend the EYM Camp I was reluctant to go thinking that I will not get any benefits from the camp but somehow my brother registered me in. I went mad about it. He passed me the form and told me to fill it. I was thinking that why would I fill it, for I did not want to go. Somehow I felt that something was going to happen so I just fill it

(Sunday) 2nd Day, the day the incident happened

I woke up at 4:00 a.m. and waited for everyone to wake up. We had the ‘Egg Roll Call’ and the ‘Morning Physical Exercise’ by Lieutenant Abner Jerip. After the breakfast was ‘Sunday Service’. Next was the ‘Long March 1’ which was in a jungle. We were all heading to the waterfall which was very tough for there were hills, slippery stones, rocks and logs.

On the way back I slipped on a rock and fell hard into the water. As I fell down something shot up into my left leg. It was so painful and I started to cry. I could not breathe and my hands were shaking badly. As they put me on stretcher I knocked out, My surroundings were white except the sky. I could only hear and hear those who were around me even though my eyes were opened widely.

Then came this part when I slowly started to lose my breath. My heartbeat was very slow. Then I saw a white figure looking down on me from the sky saying ‘Theresa, you can do it. Do not give up for I am with you.” When I hear those words I tried my best to breathe. Unfortunately my heart stops for quite a time. Then I felt somebody on me. I mean when a person’s dead she or he cannot feel, hear, breathe, see or do any living person can do except I did. It was my soul. My soul was on me encouraging me not to give up. Then I felt my heart was on fire. It was hot and painful and I started to breathe again. Praise God for that. I’m alive!

Followed by was a time when I felt fire all over my body. It was so extremely hot. It felt like I’m in hell. I struggled to free myself. I heard prayers over me too which gave me the encouragement to carry on. Additionally as we were near to the farm house I started to laugh. I laugh because I was in a garden with God. It was a very beautiful and peaceful moment for me. Plus there were these kids who were clinging onto me and smiling at me. God was also encouraging me not to give up and saying that there were people who were helping me.

When we reach at the farmhouse I opened my eyes for a while wondering where I was and closed my eyes. A few seconds later I felt somebody push me up from the stretcher and I saw God. He told me to take off my bandages, get up and walk with Him. I was so excited and happy to see God. I started to scream that ‘I want to see him! I want to see God! I’m healed! Why wouldn’t you let me go hug Him?’ James and Maclean asked me who’s him and it took me quite a while to tell them that God was just behind them. Then I opened my bandages by myself and Maclean help to cut the shoelaces which were holding me back to the stretcher. And I got up and walked. I went up to God and hugged Him. Moreover he also pass me a message which is ‘I love you all no matter what. You are blessed. Use your life well. Do not ever give up. Have faith always in me.” After that I hugged everyone and passed them the message God has sent to me.

When we made the decision to walk back, I felt something under my feet (for one shoe was used as my pillow and the other was lost so I was without shoes). Something very soft and warm. Furthermore I saw white footsteps guiding me and a voice saying ‘Follow My steps, Theresa. Even if you slip I trust that you can pick yourself up again.’ So I followed even though there were times I almost slipped. Praise God!

I was happy that I’m a live for I’ve ever intended to kill myself many times. But God showed everyone plus me a miracle and a lesson I’ll never forget. When you surrender to God do not surrender half of yourself, surrender your whole to Him. Have faith no matter what. God loves us all. So surrender yourself to God now. It’ll be hard to cross your first hill but God is by your side and you can do anything with God by your side. God Loves You!

Marriage

Haha. Last night someone brought up about marriage. This morning, there i was, flipping through the bible and saw this few interesting issue on marriage (mind you, this is a woman’s bible ok.so guys, dont think it is not applicable to you.haha..it goes both way)

How can i prevent financial issues from becoming stumbling blocks in my marriage? (Matthew 6:19-24)

Treasure your husband (treasure your wife)

There you are in the department store-face-to-face with an unbeatable sale! Yet you know the money in your purse is allocated for dry cleaning and that you agreed not to charge anything on your credit card. Still, you need this blouse (pants), and it normally sells twice as much. If you buy it, what will you tell your husband(wife)?

Financial accountability in marriage either can be a burdensome obligation or a sweet gesture of unification. When you and your spouse agree on spending limits, treasure him so much that you won’t violate your agreement.

Of course, some days you won’t feel like treasuring him(her), especially when he violates spending agreements. That’s why your marriage vows made before God help. On those days, you can ask God for a willingness to honor agreements with your spouse.

Money issues often pose tough questions: Do I serve God and treasure my spouse, or do I serve my desires to own more things and spend more money? Too often, these questions are dismissed lightly with words, such as, Look at how much I saved! But there’s a deeper issue involved. Who do you serve? Who do you treasure?

Good Words to remember:

Where your treasure is, there your heart will be also…You cannot serve both God and mammon. (Matthew 6:21,24)

P/s: this are lessons learnt that are put as examples in the bible that i have. haha.mind you it is not the scripture. only those with verses are the scripture. and i definitely did not write all this.

Many people nowadays might not be worrying about money as they have high-end job or they are hardworking or they are given the money by parents. But this is not just for money issues i guess. there are more to just money in a relationship and marriage. :)

 

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Illustration purposes : PHOTOS

Photos

They are memories captured which touch the hearts of those who remembered

But how is it that even i’m touched so deeply even though i was not there?

 

As i flip through the photos in front of me

I realized

Where am i?

 

I began to ponder

And found out i took the road not taken

A road that is much more deserted and lonely

 

I wouldn’t say i regretted

but it’s different

The feeling of actually being on the road and thinking about the road

being humans, there are so many things that i want to achieve and yet i didn’t

I blame it on limitations

but when i look back

no

its not limitations

its me

 

time to wake up to a new revelation

and make a difference

it may not be in my expectations

may be higher or lower or even heading towards a different direction

but i’m moving

not because i want to (bit la)

but also it is time

hearts are moved

the fire is burning

lets go!

14 April 2010

Credits to photos in FBSL(don’t ask)