[Videos] When to Pay EPF, Spin to Win and Sis' Birthday Treat

The above video is for employers like my business partner, whom registered for an enterprise, or sole proprietorship company. Due to lack of funds in this MCO, we paid late and were fined a total of RM 27. Let the video speaks for itself, and I shall not dwell on this further.

Below is a "Happy Sunday" message taken from my Instagram account, since today is Sabbath day, a time to rest from working 6 days. Enjoy the red foliage.

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This is an interesting video of our lunch at Pizzaiola, an Italian Restaurant in Lot 10, Prangin Mall, Penang. After lunch, we were given 2 spin to win cards where you press a button to select the color you want the pointer to stop at the wheel of colors. Refer to the video below:



Here are the fruits of the Holy Spirit. The Fruit of the Holy Spirit is a biblical term that sums up nine attributes of a person or community living in accord with the Holy Spirit, according to chapter 5 of the Epistle to the Galatians: "But the fruit of the Spirit is love, joy, peace, patience, kindness, goodness, faithfulness, gentleness, and self-control. Click on the ">" button on the right to swipe left for more similar pictures.

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The video below shows the lifestyle of the vlogger in Penang. We were celebrating my sister's birthday earlier than usual, since she has plans for a staycation in a new apartment in Macalister Road with her friends, on the actual birthday. The food was delicious with thick seafood soup, amongst others. I shall not spoil the video and let you watch till the end of the clips.



Below is a very touching message that impressed upon my heart, a "Good Morning" message plus some nuggets of wisdom - "Live your Life and Do What Makes You Happy." This is so crucial in this pandemic, that we need to find things to do that really makes us happy, NOT depressed nor sad, from cold calling to a few of the toxic people! This world is full of negativity already, coupled with the pandemic situation. Hence, we don't need to explain to anyone; We don't need anyone's approval. Jesus loves us enough and that is sufficient for me!

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Below is my letter of completion of Youtube Creation.

Finally, stay safe at home, until you get your full innoculation plus booster jab, which is a passport to travel using the vaccination certificate. And it is compulsory to get Chinese vaccine like Sinovac, etc. to travel to China in the near future.

Withdraw All Savings from EPF at age 75

When you reach age 75, you need to withdraw all your EPF savings and not park in EPF because you will not get any more dividends. By age 80, if the savings are not withdrawn, it will be transferred to the bank. The rule has recently been implemented and published in the press for the public to know. So, here is a reminder for those who missed out reading on it in the newspapers.

Last year 2009, we got about 5.45% interests rates for the dividend from EPF, which is higher than the current Fixed Deposit rate at around 2.75% which is low and will not beat inflation at around 4%. Some sources even put the inflation rate at 6% but personally, I think that is too high.

For inflation rate of 4%, it takes about 18 years for your money to become half its value. While for inflation rate of 6%, the your money becomes half of its value in 12 years! This is scary and that is why we need to save as much as we can while we are still working and gainfully employed. Otherwise, your retirement years will be woeful and not golden years.