Wednesday, September 12, 2007

Yes, lets spend more...

According to the latest budget of 2008 they have allowed The EPF monthly withdrawal for reducing housing loans.

Read here.

First i saw i tot very good. They allow you to get EPF withdrawal to help you subsidize you home loan.

But then take a look at this sentence.

Second Finance Minister Tan Sri Nor Mohamed Yakcop said the money could then be used to either help offset the housing loan instalment or for the contributor to afford a bigger or more expensive house.

Wah... asking you to spend more...

Take a read at this article to learn about other reviews. this

My suggestion.
If you do get the cash. Here are some things you could do with it, since they bank in directly into your account.

1) Pay of your credit card outstanding first. (Save 18%)
2) Invest into some investment that can get you returns that are more then 6.5% per annum. (Taking into account of the average housing loan rate).

If you are not getting around this rate or wish to get lower rates. you can go to fiscal wise for some help.

Sunday, September 09, 2007

Malaysia Boleh

Tot i would want to pen this down.

It was in the evening about 6pm when i reach the pg bus stop. I walked out the the bus stop outside when i heard this interesting conversation

Indian Taxi Driver : Taxi, taxi, .. lai ai ki to lok ( Means wanna go where)
Chinese Lady : Jalan Masjid Negri
Taxi Driver : Lima Puluh
Lady : Huh!! Lima Puluh?.... Pauses a while.... Sepuluh la.
(Sepuluh is over charging already, its only about 15mins away, or about 5km)

Taxi Driver ignores her and then turns to his other taxi fren and start laughing tryin to give a hint..(mana ada sepuluh punya?)
So the lady with a very confused face.
Then the amazing thing after tat is the taxi driver starts to shout again....Taxi!!! Taxi!!!

What is this??? Customer in front dun want. Wanna look for other water fish.... No wonder la... Malaysia Boleh...

Thursday, May 03, 2007

Isa 59:19

When the enemy comes in like a flood, the Spirit of the LORD will lift up a standard against him. Isa 59:19

In Hebrew there are no commas...

If you change the placing of the comma.

When the enemy comes in, like a flood the Spirit of the LORD will lift up a standard against him. Isa 59:19

Sited from Good Morning Holy Spirit by Benny Hinn

Saturday, March 03, 2007

Everything Has Its Time

Everything Has Its Time [Ecclesiastes 3]
1 To everything there is a season,

A time for every purpose under heaven:
2 A time to be born,
And a time to die;
A time to plant,
And a time to pluck what is planted;
3 A time to kill,
And a time to heal;
A time to break down,
And a time to build up;
4 A time to weep,
And a time to laugh;
A time to mourn,
And a time to dance;
5 A time to cast away stones,
And a time to gather stones;
A time to embrace,
And a time to refrain from embracing;
6 A time to gain,
And a time to lose;
A time to keep,
And a time to throw away;
7 A time to tear,
And a time to sew;
A time to keep silence,
And a time to speak;
8 A time to love,
And a time to hate;
A time of war,
And a time of peace.
The God-Given Task
9 What profit has the worker from that in which he labors? 10 I have seen the God-given task with which the sons of men are to be occupied. 11 He has made everything beautiful in its time. Also He has put eternity in their hearts, except that no one can find out the work that God does from beginning to end.

12 I know that nothing is better for them than to rejoice, and to do good in their lives, 13 and also that every man should eat and drink and enjoy the good of all his labor—it is the gift of God.
14 I know that whatever God does,
It shall be forever.
Nothing can be added to it,
And nothing taken from it.
God does it, that men should fear before Him.
15 That which is has already been,
And what is to be has already been;
And God requires an account of what is past.

The main thing that spoke to me from here is
Ecclesiastes 3:11 He has made everything beautiful in its time. Also He has put eternity in their hearts, except that no one can find out the work that God does from beginning to end.

If you knew He made everything beautiful in its time...then our current struggle would be to pray and seek Him to ask .....when is the time???


Wednesday, July 05, 2006

Apply this when you are working for guarenteed success...

Proverbs 6:16-19

These six things the LORD hates,
Yes, seven are an abomination to Him:
A proud look,
A lying tongue,
Hands that shed innocent blood,
A heart that devises wicked plans,
Feet that are swift in running to evil,
A false witness who speaks lies,
And one who sows discord among brethren.

Monday, June 19, 2006



Its been a great few days in Sabah...doin His work...What a refreshing time....To all the people in it thanks for being part of the team

To Audrey
Thanks for initiating this thing and leading the team...Always filling in the needs where nobody wants to do....

To Celine
Thanks for not screaming with all those bugs....So glad now that both ur parents here and there accepted Him...maybe you should find more parents to adopt you....

To Esther
Thanks for staying and hanging on with us...been very encouraged by the way you pulled through..though you got sick one thing after another...

To Beatrice
Thanks for dance you have put up.....Quiet at times...but introvet....NAH!!... You make super a lot of noise when it comes to praising God.....

To Leona
Thanks for always reminding us of the things we need to beware off...sumtimes we just dun really think.....Thanks for doing the children's church....Congrats on ur new job

To Ke
Thanks for all the talents that you have used....Lazy?....oni here in seems you were very helpful in ur family....

To Dwag
Thanks for accompanying me in the other village...And yes for giving ur testimonies and preaching too.... Rock on man... You do make a difference

To Andrea
Thanks for being "the player"...playing your very essential part of helping in many many, first aid, preaching, jambu's and many others la....Always willing to sacrifice for others....thats the Jesus in you....

To Uncle Laurentius
Thanks for bringing us there...for the transportation and the arrangements.....It was a God given idea...for us to stay with the families....May God bless you in everything that you do for giving to these people

To Jimson
Thanks for all the info you given us...You are really a very smart guys...very talented with big testimonies and also a big heart for God...You do many great things for Him in years to come...just dun stop...remember Him always....your first love...

To Jesus rock the most....thanks for teaching me to slow down...and teaching me many things....and giving me some pointers to my next phase in would have been much different without you....Glad You are with me always...

To Me
Thanks for..........erm.......hmmm....nvm.....lame......

Thursday, March 30, 2006


LIM’s Holiday Tours
Sorry....plan tergendala till furthur notice....cos i have no cash in hand rite now very low cash flow...(updated 21st June 06)
Dates : Choose one either 7th July or 14th July to start Day 1

Total RM550 include food and accommodation (non including transport on cars)
Does not include getting to penang and getting back…
Amount maybe less if u eat less.
If those tat wanna join weekend Day1-3 only its RM350
Transport from KL if 4 in a car/bus is about RM50 per person return…
My car can only fit 4 more ppl max so some ppl need to drive….

Day 1 (Friday)
Lunch ( RM5 )
Check In Adventure Village (RM199)
Paint ball ( RM80 )
Dinner (RM10) Take ferry back to Penang Island (Free)
Light and easy night

Day 2 (Saturday)
Guided Tour Jerejak Detention Camp (RM10)
Lunch (RM15)
Flying Fox & suspension bridge
One hour aromatherapy body massage
Buffet Dinner
Open air outdoor Theater

Day3 (Sunday)
Light and easy morning
Check out
Lunch (RM5)
Travel back to My place
Dinner at hawker center (RM10)
Lepak at Beach at night

Day 4 (Monday) ( Makan Day)
Late Breakfast (RM5)
Lunch (RM5)
Tea (Rm5)
Dinner (RM10)

Day 5 (Tuesday)
Brunch (RM5)
Check in Hotel in Batu Ferringgi (RM30)
Lunch (RM5)
Leisure/swimming/beach activities/ use hotel facilities
Dinner (RM10) Maybe BBQ
Relax on beach / Chill out nite /Fishing

Day 6 (Wednesday)
Brunch (RM10)
Check out
Kayaking (RM10)
Buffet Dinner (RM11.90)
Lepak night / movie (RM10)

Day 7 Relax Day (Thursday)
Breakfast (RM5)
Lunch (RM5)
Seafood Dinner at Batu Kawan (RM20)
Other Activities will be based on wat u all wanna do…just relax whole day

Day 8 (Friday)
Cable Car to Penang Hill/ Round Island tour (RM25)
Come back dinner(RM10)

Day 9,10 (Saturday, Sunday)
If you guys still got money…yes then can continue lepak my place..just pay for your food accommodation is free….and if you want you can sponsor petrol….

For the time being..its like tat..need to confirm dates to i can start to book...