Zenith is "Shopping"

Zenith is on her way to Pavillion KL for Shopping and she picks up her X'mas Gifts in Bimba & Lola.

Some remarkable scene when she is window shopping.

Employees Provident Fund (EPF) of Malaysia

News on 6th Nov 2008, Malaysian Govt is "encouraging" Malaysian to spend more than savings.

Lower EPF Employees' Contribution Rate Starting January 2009 Wage

Members of the Employees Provident Fund (EPF) will be able to benefit from the reduction of the employees’ monthly statutory contribution rate by 3%, from 11 % to 8 %, effective from January 2009 wage for a period of two years.

Deputy Prime Minister and Finance Minister YAB Datuk Seri Najib Tun Abdul Razak made the announcement during the winding up speech for the Ministry of Finance on the 2009 Budget on Tuesday. The move will help increase members’ disposable income in the context of the current economic outlook. At the same time, the higher disposable income will support domestic consumption and thus help sustain the momentum of economic growth.

The decision to reduce members’ statutory contribution rate was taken twice before in 2001 and 2003 as part of an economic stimulus package.

For ease of members and to better facilitate implementation of the measure, the reduction of the employees’ contribution from 11 % to 8 % will be made automatically, effective from January 2009 wage. This arrangement will be implemented until December 2010 wage.

However if members wish to maintain the contribution rate at 11 % may choose to do so by filling up Form KWSP 17A (AHL). Once completed, the forms can be submitted to the members’ respective employers for submission to the EPF.

Above source from: http://www.kwsp.gov.my/index.php?ch=p2news&pg=en_p2news_press&ac=2735

Friends, normally employee will contribute 11% & employer will contribute 12% to EPF, this will make a total of 23%.

However have you ever wonder why it is 23% and not 30% or other percentage? Reasons could be below:

Man used to live till age 66 previously when our Govt set up the guideline for EPF contribution.

Age 66 minus age 55 (retirement age) = 11 years
Age 66 minus age 20 (employment age) = 46 years

Base on the above calculation, 11 divide 46 = 23 (meaning is 23%). This means employee needs to save 23% every year for their retirement expenses.

HOWEVER, human being live older now, which is on average till age 74.

Age 74 minus age 55 (retirement age) = 19 years
Age 74 minus age 23 (employment age) = 51 years

Base on the above calculation, 19 divide 51 = 37 (meaning is 37%), and this means employee needs to save 37% every year to meet their retirement needs.

Looking at it, every employee in Malaysia is short of 14% (37% minus 23%), this EXCLUDE the calculation of inflation !! Thus without further delay every employee should have SAVE another 14% in order to meet their retirement needs.

My First Ride On The Train

My First Ride On The Train

Hi, this is Zenith's first ride on the Train (she looks very happy right?)

We took this picture months back in Plaza Darmas located in Seri Hatarmas.

We spotted this train when we passed by a shop & guess what? Our beloved quickly walk towards the train & started to climb up; looking at the scene, we have no other choice but to assist her to climb on it. (If not, she will start screaming...)

And when she is on it, her face full of smile telling us she is enjoying her ride. (Gosh, she is only 13 months !! and she knows what to choose to entertain herself)

Mentioning this, nowadays children know what to choose to entertain themselves, am I right? I bet they are much smarter than our old days leh. Guess it is the "milk" they took that makes them smarter than our childhood days.

Well, the "milk" she took is "Pediasure", guess this milk power formula "works" (so, for those who wants your child to become smarter than others, you may want to consider "Pediasure") ... by the way, i don't own nor work in "Pediasure", so please don't think i get any advertising fee to promote them here.
Last but not least, we decided to take some pictures of her ride here before we proceed to our next journey.

Pls. You might not notice i am in the picture too, well i bet you don't notice it right?

Well, as what others quote: You will not be able to see me ... as most of the time "servant" don't reveal themselves on the net as "servant" is to serve the master mah. (so, you know la, who is my master ... haiz)

Our Sleeping Beauty ... Zenith

Our Sleeping Beauty ... Zenith
(So, after looking at the picture, do you still want to wake her up? =)

This picture was taken 48 day after she was born; well for those who do not know, She was born on 8th Aug 2007.

So, what do you think? does she look like a boy or a girl?

Looking at the picture alone, you will think THIS IS A BOY right? (I bet it is)

Well, initially I feel the same as you did... and people around us who knows Zenith keep telling us she looks pretty; but on the other hand those do not know her will ask me "Is this your SON? he looks very cute!!"

Haiz... what a "depressed" statement made by them (though i know it is not their fault but this picture really looks like a baby BOY!).

Well well, my dear folks out there, as what have been taught all these YEARS, we can't JUDGE a person by the LOOK!! This is what i have been telling myself all these years, but sad to say it is very hard to LEARN, why? Because i am a GUY too. (Guys, you know what i mean right? we just like to see "PRETTY GIRLS" don't we?)

Frankly, i bet all of you don't believe how Zenith looks like now.

Well, i wouldn't say much over here, but look at the picture yourself (this picture was taken on 28th Sept 2008 in Bangsar Village @ New Wing)

Don't you think she looks pretty? well, you can say she is adorable, smart too, BUT don't ever say she is FAT yah (hahaha, she will be very angry if she heard that)

Hm... about FAT, don't you think she is a little bit fat too? =)
she has a little bit BIG stomach; this is because she EAT a lot & she take it non-stop (well, i believe she likes to eat, that's the reason why she don't put a STOP when eating.

Hopefully i am able to give you see some photos and videos in next message, so that you know how "terrible" she is when we talk about FOOD.

Last but not least, i still LOVE her very much even though she eats a lot.
(Yes Zenith, I am talking about you, =)