Recently I attend a funeral of a 97 years old relative who passed away due to old age. I was amazed of how fast development of this bereavement services that they are really care for everyone comfort and well-being. Of the course, price they charge also consider expensive for most people. I’m here not to judge whether it is worth paying for such an expensive package (yes! You can buy a car using this money) but I believe golden grandpa earns his right to be treated well even after death because he is really a very kind and generous person. He has builds his wealth from nothing but has never failed to help other who is less fortunate than himself. He has many grand-children but me being his sister-in-law’s grandchildren has never being forgotten. I still remember clearly on the Chinese New Year two years ago when I have just delivered a baby, he has never forgotten to give angpaus to my newborn. He has given me two angpaus – one as a newborn gift and other one for Chinese New Year gift.
Golden grandpa seems to be preparing to take his life journey to the end. Early this year, he has insisted on visiting his long-deceased son and his wife’s graveyard for the first time in his life. He inspected his own graveyard and his children has also brief him on arrangement and process of the memorial services. GOLDEN GRANDPA didn’t suffer for long before his departure. He was admitted to the hospital 10 days before his departure but he has requested the doctor to discharge him 3 days later. He knows his time has arrived so as all his children. Those migrated oversea has come back and all his children were in Malaysia on the day he takes his last breath. I believe that this is really a blessing for him and he passed on peacefully without much pain. His last wish to pass away in his own room in his own house which his son has built for him also has been granted.
One of his grand children express her disappointed that most of the people who Golden grandpa has even help never turn up to pay their last respect but I felt sorry for these peoples who have missed all the good blessing that his Golden grandpa will have “distribute” to all of us who has attended his funeral.
Dear GOLDEN grandpa, may you rest in peace! We would always LOVE you!
Sunday, November 8, 2009
Tuesday, October 6, 2009
Mesra Usia Emas Scheme
This is a FREE scheme provided by the government of the state of Selangor Darul Ehsan. Under this scheme, the government will pay a total sum of RM2500 to the nominated beneficiary upon death of registered senior citizen.
Senior citizens who are 60 years old and above and who are born in Selangor or stay in the state for more than 15 years are eligible to apply.
The form can be obtained at the DUN office of respective area that the senior citizen resides.
The senior citizen need not go to the DUN office for application submission (as it may not be convenient for them to travel due to old age or sickness), thereby his family member may collect form and submit the filled form at the DUN office of the area where the senior citizen is resides.
Application must be submitted with the following documents:
a) Mesra Usia Emas Application Form
b) Photocopy Identity Card of the Senior Citizen to be registered (2 copies)
c) Photocopy of Guardian’s Identity Card (2 copies)
d) Photocopy of Beneficiary’s Identity Card (2 copies)
It is important to make sure that the officer in charges of accepting the application form has put a chop on the Identity Card titled “Mesra Usia Emas Selangor Darul Ehsan” to avoid misuse of the Identity Card.
The application form has 3 carbonized copies and the officer in charges will acknowledge receipt of the form and return the yellow copy of the form to the applicants for reference and safe-keeping.
They will not send out any other documentation, so it is essential to keep the yellow copy of the application form in a proper manner as this is the only proof that the senior citizen is already being registered and entitled to the scheme.
Senior citizens who are 60 years old and above and who are born in Selangor or stay in the state for more than 15 years are eligible to apply.
The form can be obtained at the DUN office of respective area that the senior citizen resides.
The senior citizen need not go to the DUN office for application submission (as it may not be convenient for them to travel due to old age or sickness), thereby his family member may collect form and submit the filled form at the DUN office of the area where the senior citizen is resides.
Application must be submitted with the following documents:
a) Mesra Usia Emas Application Form
b) Photocopy Identity Card of the Senior Citizen to be registered (2 copies)
c) Photocopy of Guardian’s Identity Card (2 copies)
d) Photocopy of Beneficiary’s Identity Card (2 copies)
It is important to make sure that the officer in charges of accepting the application form has put a chop on the Identity Card titled “Mesra Usia Emas Selangor Darul Ehsan” to avoid misuse of the Identity Card.
The application form has 3 carbonized copies and the officer in charges will acknowledge receipt of the form and return the yellow copy of the form to the applicants for reference and safe-keeping.
They will not send out any other documentation, so it is essential to keep the yellow copy of the application form in a proper manner as this is the only proof that the senior citizen is already being registered and entitled to the scheme.
Sunday, October 4, 2009
Tomato and Carrot Rice
This rice is easy to cook, look good, tastes great and filled with goodness of vegetable. It also give a very nice colour to your rice therefore you can cook it for Chinese New Year or any good function.
Ingredient:
1 cup Carrot Juice
2 Tomatoes (cut it into small pieces)
1 ½ cups Uncooked Rice
2 cups Water
1 tsp Chicken Stock
A bit of butter for cooking
Method:
1) Use low fire to melt the butter, put in the garlie and tomato. Fry it for 1 minute.
2) Put in the rice and chicken stock. Mixed it well
3) Pour in carrot juice. Leave it to boil
4) Off fire and transfer everything to rice cooker
5) Pour in water
6) Now cook it as though you are cooking normal rice
You may put some fried chicken into the rice when it is cooked.
I like to eat it with salted fish. My son likes to eat it with some raisin.
Ingredient:
1 cup Carrot Juice
2 Tomatoes (cut it into small pieces)
1 ½ cups Uncooked Rice
2 cups Water
1 tsp Chicken Stock
A bit of butter for cooking
Method:
1) Use low fire to melt the butter, put in the garlie and tomato. Fry it for 1 minute.
2) Put in the rice and chicken stock. Mixed it well
3) Pour in carrot juice. Leave it to boil
4) Off fire and transfer everything to rice cooker
5) Pour in water
6) Now cook it as though you are cooking normal rice
You may put some fried chicken into the rice when it is cooked.
I like to eat it with salted fish. My son likes to eat it with some raisin.
Monday, September 28, 2009
Claim(s) for Breakage of Glass in Windscreen or Window Does Not Affect Your NCD
With so many car thieves around and also events which may cause the breakage of our car windscreen and window, I think it is wise to include the coverage for breakage of glass into our car insurance policy.
One important item to note here (which I noticed that a lot of people is still unaware of) is that if we make a claim under the breakage of glass in Windscreen or Window or SunRoof, it will not affect our NCD (No Claim Discount).
There are terms and conditions applied here, so it is essential that we double confirmed the above matter with the insurance agent before taking up any insurance.
One important item to note here (which I noticed that a lot of people is still unaware of) is that if we make a claim under the breakage of glass in Windscreen or Window or SunRoof, it will not affect our NCD (No Claim Discount).
There are terms and conditions applied here, so it is essential that we double confirmed the above matter with the insurance agent before taking up any insurance.
Sunday, September 20, 2009
Buffet Dinner at CINNAMON restaurant, One World Hotel
My friends and I went there on Thursday 17 September 2009 for Ramadan Buka Puasa Dinner. It is priced at RM98++ per person.
There is a lot of food to eat but my favourite is the seafood especially the oyster and salmon. I had two plates of seafood and definitely not going for any chicken except for a small piece which is attractive because it is roll with turkey ham.
My ABC become “Air Bandung Campur” because I took too little ais and I put too much sirap.
Upon payment of our dinner, they gave us a souvenir to bring home.
There is a lot of food to eat but my favourite is the seafood especially the oyster and salmon. I had two plates of seafood and definitely not going for any chicken except for a small piece which is attractive because it is roll with turkey ham.
My ABC become “Air Bandung Campur” because I took too little ais and I put too much sirap.
Upon payment of our dinner, they gave us a souvenir to bring home.
Monday, September 14, 2009
Additional Tax Relief of RM3,000 for Saving with SSPN
SSPN stands for Skim Simpanan Pendidikan Nasional.
For those of you who has fully utilized your EPF and insurance premium to reduce your tax, you may consider to open an account with SSPN because saving with them also entitled tax payer to claim a tax relief up to RM3,000 per year.
There are 3 categories of SSPN’s accounts:
Category 1:
An account opened by the parents/guardian OR any Malaysian FOR any Malaysian whose age does not exceed 18 years old and it can be maintained until the age of 28 years;
Category 2:
Malaysians whose age is 18 years old and above, have the option of either opening the account on their own OR being opened by their parents/guardian; and
Category 3:
Malaysians whose age is 29 years old and above, have to open the account on their own.
Saving can be done through e-SSPN (for those who have savings accounts in Bank Islam Malaysia Berhad, CIMB Bank, Hong Leong Bank, Public Bank Berhad and Maybank) or alternatively you may get the application form from the abovementioned banks.
For details, kindly log into website:
http://www.ptptn.gov.my/web/english/savings/gen-info
http://www.hasil.gov.my/lhdnv3e/individuIndex.jsp?process=21000&menu=34
For those of you who has fully utilized your EPF and insurance premium to reduce your tax, you may consider to open an account with SSPN because saving with them also entitled tax payer to claim a tax relief up to RM3,000 per year.
There are 3 categories of SSPN’s accounts:
Category 1:
An account opened by the parents/guardian OR any Malaysian FOR any Malaysian whose age does not exceed 18 years old and it can be maintained until the age of 28 years;
Category 2:
Malaysians whose age is 18 years old and above, have the option of either opening the account on their own OR being opened by their parents/guardian; and
Category 3:
Malaysians whose age is 29 years old and above, have to open the account on their own.
Saving can be done through e-SSPN (for those who have savings accounts in Bank Islam Malaysia Berhad, CIMB Bank, Hong Leong Bank, Public Bank Berhad and Maybank) or alternatively you may get the application form from the abovementioned banks.
For details, kindly log into website:
http://www.ptptn.gov.my/web/english/savings/gen-info
http://www.hasil.gov.my/lhdnv3e/individuIndex.jsp?process=21000&menu=34
Friday, September 4, 2009
It is very Important to check your EPF Nomination (Penamaan KWSP)
Please check your EPF nomination to see
a) if the person that you have nominated tally with the record in the EPF and
b) if EPF has your nominated beneficiary names inside their record.
Earlier, I accompanied the daughter (Yin, not her real name) of my deceased client to inform EPF of the deceased and to claim the EPF monies only to be informed that her father has never made any nomination. Everyone in my deceased client’s office knows that he made his nomination but we do not have any prove for that.
EPF informed us that they computerized all nomination (penamaan) from 2000 onwards. In other words, any nomination made prior to 2000 is treated as “NOT nominated”.
As the result of that, Yin needs to bring her mother to claim the EPF monies. After a lot of hassle to prepare all the required documentation and running works, EPF now disburse the money to her mother’s bank account on monthly basis and not in lump sum.
In such case, I can see the advantage of doing that is to prevent misuse of EPF monies by the deceased’s family and also the family is able to enjoy dividend from EPF who at least guarantee at 2.5% per annum as compare to less that 1% if they would to put the monies in the bank.
The bad side would be what most people would think – “Hey, that one is my father/mother’s monies, how can EPF keep it for their own investment benefit. If I have the lump sum, I can invest it in property, share, unit trust or any business, I may be making double of what EPF offering.”
It is best that you keep a copy of the nomination form so that you or your family had proved that the nomination is being done.
I have spoken to many friends on this. Many said they would do it. But how many really take the effort to do it, I doubt! Come on, my friends! You work so hard so that your family is able to live a good life, why can’t you take a few hours off from work so to ensure that in the event of your sudden demise, your fruit of hard labour is being enjoyed by the right person at the right amount? Anyway the decision is yours! It is your money after all!
a) if the person that you have nominated tally with the record in the EPF and
b) if EPF has your nominated beneficiary names inside their record.
Earlier, I accompanied the daughter (Yin, not her real name) of my deceased client to inform EPF of the deceased and to claim the EPF monies only to be informed that her father has never made any nomination. Everyone in my deceased client’s office knows that he made his nomination but we do not have any prove for that.
EPF informed us that they computerized all nomination (penamaan) from 2000 onwards. In other words, any nomination made prior to 2000 is treated as “NOT nominated”.
As the result of that, Yin needs to bring her mother to claim the EPF monies. After a lot of hassle to prepare all the required documentation and running works, EPF now disburse the money to her mother’s bank account on monthly basis and not in lump sum.
In such case, I can see the advantage of doing that is to prevent misuse of EPF monies by the deceased’s family and also the family is able to enjoy dividend from EPF who at least guarantee at 2.5% per annum as compare to less that 1% if they would to put the monies in the bank.
The bad side would be what most people would think – “Hey, that one is my father/mother’s monies, how can EPF keep it for their own investment benefit. If I have the lump sum, I can invest it in property, share, unit trust or any business, I may be making double of what EPF offering.”
It is best that you keep a copy of the nomination form so that you or your family had proved that the nomination is being done.
I have spoken to many friends on this. Many said they would do it. But how many really take the effort to do it, I doubt! Come on, my friends! You work so hard so that your family is able to live a good life, why can’t you take a few hours off from work so to ensure that in the event of your sudden demise, your fruit of hard labour is being enjoyed by the right person at the right amount? Anyway the decision is yours! It is your money after all!
Subscribe to:
Posts (Atom)