学会独处，习惯寂寞

做人一定要学会独处，要习惯寂寞。

身边的人总会有离去，不能陪着你。

不论你是谁，一辈子的朋友是自己。

所以要好好照顾，疼惜这一个身躯。

因为只有自己，才是跟你走到最后。

Malaysia EPF enhancement effective 1 January, 2017

EPF withdrawals

effective from Jan 1, 2017

ENHANCEMENT INITIATIVES		DESCRIPTION
1.	Below 50	·     Contributions are divided into Account 1 (full withdrawal at age 55) and Account 2 (withdrawals can be made subject to current eligibility and procedures for Housing, Medical, Education and Haj).
2.	At age 50	·     Members can make full withdrawal of their savings in Account 2 to prepare for their retirement.
3.	At age 55 (Age 55 Withdrawal)	·     Contributions from Account 1 and 2 will be transferred to Akaun 55 for members who have reached age 55 and above starting 1 January 2017. ·     After the transfer to Akaun 55, any withdrawals can be made subject to current eligibility and procedures.
4.	Between age 55 - 60 Akaun Emas (Age 60 Withdrawal)	·     Any contributions received after age 55 starting 1 January 2017 will be parked under the new Akaun Emas. ·     Accumulated contributions can only be withdrawn at age 60. ·     Upon reaching age 60, balances in Akaun 55 and Akaun Emas will be combined for withdrawal.
5.	Dividend Payment and Unclaimed Savings	·     Dividends will continue to be credited into members’ account until the savings are transferred to the Registrar of Unclaimed Monies after 100 years ·      Members will continue to enjoy annual dividend up to age 100.
6.	Nomination	·     Initial payment of Death Withdrawal has been increased from RM20,000 to 25,000 depending on balance of savings in the deceased members’ account. ·     Witness no longer required for nominations. ·     For Muslim members: o   Clarifying the role of executor/administrator in nomination form o   Nomination will be revoked if withdrawal application is not made within one (1) year after member’s death o  Under-aged nominee can execute the responsibility of executor/administrator upon reaching 18 years old.
7.	New Basic Savings Quantum	·     The Basic Savings quantum will increase from current RM196,800 to RM228,000 to align with the revised minimum pension for public sector employees (RM820 to RM950 monthly) ·     Eligibility to participate in the EPF Member Investment Scheme (EPF-MIS) has been increased from 20 per cent to 30 per cent of savings in excess of the Basic Savings quantum by age in Account 1.

2017 Malaysia Holidays

2017年马来西亚的公共假期出炉啦！各位看官可以开始好好安排一下与家人朋友同游的日子了。

Malaysia Public Holidays and School Holidays 2017 (Penang State)

January	New Year’s Day	31-Sat	1-Sun	2-Mon
January	Chinese New Year	28-Sat	29-Sun	30-Mon	31-Tue	1-Wed
February	Thaipusam	10-Fri	11-Sat	12-Sun
March	School Holidays	18-03-2017(Sat)  -  26-03-2017(Sun)
May	Labour Day	29-Sat	30-Sun	1-Mon
May	School Holidays	27-05-2017(Sat) – 11-06-2017(Sun)
June	Agong’s Birthday	3-Sat	4-Sun
June	Nuzul Al-Quran	10-Sat	11-Sun	12-Mon
June	Hari Raya Puasa	24-Sat	25-Sun	26-Mon	27-Tue
July	Georgetown Heritage Day	7-Fri
July	Penang Governor’s Birthday	8-Sat	9-Sun
August	School Holidays	26-08-2017(Sat) – 03-09-2017(Sun)
August	National Day	31-Thur	1-Fri	2-Sat	3-Sun
September	Hari Raya Haji	1-Fri	2-Sat	3-Sun
September	Malaysia Day	16-Sat	17-Sun
September	Awal Muharram	22-Fri	23-Sat	24-Sun
October	Deepavali	19-Thur	20-Fri	21-Sat	22-Sun
November	School Holidays	25-11-2017(Sat) – 01-01-2018(Mon)
December	Maulidur Rasul	1-Fri	2-Sat	3-Sun
December	Christmas	23-Sat	24-Sun	25-Mon

没有牛猪鸡的韩餐

这个六月，韩国餐馆Kim’s在槟岛西南区的Arena Curve 开分行，上个周末晚我就和朋友三人一起去那儿用餐。

我们是当晚的第一组客人，工作人员都很热情招待。写了餐单后，侍者就捧出六样免费小菜：芝士玉米粒（这个好好吃，不过吃完了没得再添），泡菜，豆芽，甜豆皮（这个我也喜欢，吃完想再添时，侍者说完了，给我们菠菜代替），海苔，梅子汁包菜（这也不错）。

我不吃牛肉，友人不吃五花肉，结果点了：

海鲜炒饭（小贩中心的海鲜炒饭会看到虾，但这个是韩式，所以只找到八爪鱼粒，还好吃啦！）

烤花鲫鱼（配套，附加一碗泡菜汤和白饭，够咸味，但有鱼骨）

烤秋刀鱼（附加白饭，鱼骨多）

辣豆腐汤（中规中矩）

海鲜煎饼（好吃，但是有点油腻）

陆陆续续很多人进来用餐，开始有人在店外排队。当我们吃完最后一片煎饼时，侍者马上捧来免费水果，四块西瓜。所以我们也很识相的吃完水果就结账。

新店开张的优惠活动到六月底，在馆内用餐者享有10%回扣和一张马币十元的礼卷（礼卷使用期到八月尾，消费五十元以上就可使用）。

本文没有照片提供是因为一上菜我们就动筷子吃了，如果想看看它的餐单， 可上它的面子书https://www.facebook.com/KIMS.2nd.my/

一双鞋子和一双脚

人们最难克服的是妒忌心。你会妒忌，我也会妒忌。

当你羡慕别人的运气和际运的时候，有否珍惜自己拥有的东西？

为甚么不看看自己手中的幸福，反而去眼红别人？

既使没有美貌，拥有健康已经很不错。

医院里很多病人连喝杯水上厕所都有困难。

既使没有才华，有工做有房住就很好。

战乱地区里的难民三餐和住宿都是大问题。

不要埋怨自己没有甚麽，而要珍惜自己拥有甚麽

为了生计，眼光要放远一点；但是活着，眼光要放近一点。

不需要嫉妒他人的成就，也不要嫉妒他人賺的錢 

当你有任何埋怨和妒忌的时候，请记得以下的这个故事：

“我曾经埋怨自己的鞋子不漂亮，直到我看见一个没有脚的人”