About EPF... must read......

If* ONE* (1) of our Nominee in the EPF Nominees list deceased,
automatically the whole arrangement (EPF Nominees list) is *VOID*. Meaning if, you only
put in One (1) name & unfortunately he/she dies before you - automatically
EPF will channel your EPF money to trustee of *AMANAH RAYA* upon your death.

Thou if, you DO have few names in the EPF Nominees list still - the whole
arrangement is VOID & none of the individual balance name in the EPF
Nominees list will get their potion & automatically EPF will channel your
EPF money to trustee of AMANAH RAYA upon your death.

*Piece of advice - if any of the your Nominee in the EPF Nominees list
decease, please do immediately approach the nearest EPF counter & present
the Death Certificate of the individual & re-instate you NEW / LATEST
Nominee in the EPF Nominees list + NEW / LATEST percentage*.

If, you & the other party (maybe spouse) involved in the same misfortune
(accident / illness) that caused death to both yourself / spouse please,
please, please alert your siblings / relatives / parents to immediately
approach the nearest EPF counter & share the information within 3 days
to *AVOID all EPF money to be surrender to trustee of AMANAH RAYA*.

Upon surrender to trustee of AMANAH RAYA, your children will have to battle
the money thru 3 channels;

*Majlis Agama*

*Pejabat Tanah*

*Mahkamah*

The normal period via above 3 channels usually takes 2-3 years (except if
you have inside/tip top connection) at Amanah Raya.

House - Building & Contents insurance (IMPORTANT Info)

If your house is under 2 or more joint names, it is important to
ensure that the Insurance (regardless building or contents insurance)
MUST include ALL parties name in the insurance policies. Failing to do
this, will allow the insurance company to limit their liability in the
event of a claim.

Example 1: House is under Husband and wife joint names.
Loan with bank is taken under Husband name only. In most cases, the
fire insurance policy will be issued under ONE name, ie Husband name
only. In the event of a fire claim, the insurance company has the
right to pay 50% of the insured value as the ownership belongs to 2
persons. So in the event of a claim of RM100,000, you may be paid only
RM50,000!!

Example 2: House is under 2 or more names.(eg-4names)
Even if there is no loan with the bank, most policies are issued under
1 name, the person who is in charge for the insurance. In this case,
the insurance company will limit its claims to only 25% of the sum
insured.

Remedy:
You can inform your insurance agent/company to amend the name to
include your spouse or other name individually. OR some company may
accept-
" Mr Benny Ng & 3 others".

It is important to inform your insurance company NOW to avoid any
arguements.

女人的出生日期和性格

一、进取型(生日日期︰1,5,8,10,14,15,17,23,25)

性格解构：
进取型的女子，大致上有以下的共通点：具有无比的独立精神，酷爱自由讨厌受束缚。头脑清晰，脑筋转得快，是个解决棘手问题的高手。喜欢追求刺激，甘于冒险,只要下定决心，就会排除万难达成目标。意志力强以及挑战心旺盛，从不服输。不过，较易遇上一大问题：朋友虽然多，但敌人也多。有时又会出现大胆行为，莽撞行事，令身边的x吃一惊，甚至会影响大局。

建议：你不妨约她去郊外走走骑骑脚踏车，放风筝，或者玩刺激的活动。

二、实干型(生日日期︰4,6,13,16,22,24,26,28,31)

性格解构：
这类型的女子通常都较为温和稳重，脚踏实地。由于冷静谨慎，所以更细微的环节都能够兼顾得到。诚实认真，责任心强，处理事情极有条理，自然容易赢得别人信任。耐力韧性也一样惊人，富有战胜重重困难的莫大力量。无疑的她不论对待任何人，都能够表现得亲切大方，但偶然间的太过自我中心，会令她无法与其它人协调。其实，她轻易受到别人的影响本来是个优点，但过分坚持自己一套做法，就会变得固执。

建议：想吸引她注意，你适宜穿得稳重，衬衫西裤最稳当。由于她对任何细微的环节都察觉得到，所以，你对她亦要处处表现出特别细心，向她坦诚，就肯定会赢得信任.

三、浪漫型(生日日期︰2,7,9,11,18,20,27,29)

性格解构：
简单地讲，她的个性不但温婉浪漫，感情丰富，更是多愁善感。而且为人十分敏感，懂得察颜观色，很善解人意。此外，也热爱和平。她的小缺点就是容易为一点小事而受伤害。又因太过自我中心而缺乏与周围协调的能力。感情用事亦是其中一个小毛病，往往会因此而影响大局。此外，运气虽然不错，但如果过于任性，或者会碰上意想不到的挫折。

建议：看星星、或者送本爱情小说给她都不错。记得准备纸巾，随时准备借个肩膀给她。也要记住，她心灵有点脆弱，你要小心说话，以免讲多错多。

四、才华型(生日日期︰3,12,19,30)

性格解构：
你要记住，这类型的女孩子大多数都充满艺术天分或者语言天分，亦具有高贵的气质。她对任何人和事也抱有兴趣，喜欢提出许多疑问，故知识常丰富。还有她的想象力十分强。即使性情令人难以捉摸，不过基本上都是属于受欢迎的类型。但有时又容易沉醉于玩乐而缺乏责任感。

建议：你最好先熟读一些关于艺术方面的资料，方便与她聊聊。学一两句外语也无妨。别把自己装扮的太俗气，避免令她反感。只要你有多方面的知识，或者是某方面的专家，就很容易获得她的青睐。

五、开朗型(生日日期︰21)

性格解构：
特别开朗，时刻散发住朝气活力，不论去到哪里，都会受欢迎，成为众人焦点，是个百分百人气王。另外，她凡事往好处去想，是个非常乐天的女孩。既然是人气王，自然容易招人嫉妒，易惹是非，遭人说闲话。本来凡事往好处去想，这种乐天的性格很好，但这样可能会稍为欠缺危机感，将眼前的问题看的过于简单并不好。

建议：千万别出现文弱书生的模样，应该要穿得阳刚又有朝气一点。有时稍为充当她的军师，提醒她某些事情可能遇到的危机，需要小心，她会感激在心的。

Brown sugar + ginger tea

黑糖薑茶

(女人一定要看，男人就寄給你的女性朋友吧！)

小時候，著了涼，一流鼻涕，

母親就連忙用老薑加黑糖煮成薑湯給我喝。甜甜辣辣的，趁熱大口大口喝下去，再蓋著被子發一場汗，感冒便不藥而癒！我因生產多又 密集，一年一個，有一年還生了一對雙包胎，把身體弄壞了。平常經常頭昏眼花，而每個月好朋友來了，頭痛、肚子痛，量又多一拖就是十天半個月。看了許多中西名 醫，均束手無策。病看不好，花錢受罪，一氣之下，乾脆不理他了。

後來祖母教我在月經來時，不妨用黑糖和老薑煮水喝喝看，她特別強調多喝無害，黑糖能活血，薑是熱性的食物，在故鄉，婦女做月子都要吃些黑糖。老奶奶的話姑且聽之，月經來時，就猛喝黑糖和老薑煮的薑茶，想不到，小腹慢慢不痛了。好朋友量也少了，當然頭 痛也消失了，比吃藥還有效呢！黑糖和老薑不但能治病，在寒冷的冬天喝上一碗，渾身冒汗、舒暢無比，這種偏方花錢少，又無副作用，何妨試試！

※ 黑糖紅豆湯
女性的好朋友黑糖能活血，紅豆能補血，故婦女月經來時或前後吃一些黑糖紅豆湯，會讓經期更順及減少疼痛，比使用藥物控制效果好。這種偏方花錢少又無副作 用，不妨試試！

Brown sugar + Ginger Tea
When I was young, I was easily to get cold & running nose. My mother will cook old ginger & brown sugar tea for me to drink.
It tasted sweet & a little bit spicy. After drinking this tea and cover with a blanket it made me sweat and cure my cold & running nose.

Every year I born a baby and even there was one year I born a twin. Due to too frequent on
delivered baby, my health was badly affected.
I always feel dizziness. Every month during my menstrual, I feel headache, stomachache and my menses volume was large and the period was long from 10days to 2 weeks. I seek for Western doctor & Chinese Physician’s advices but it does not help so I tend to give up & let it be.

After that I grandmother ask me to try for old ginger & brown sugar tea. She emphasize that its harmless if drink more because brown sugar help blood circulation and old ginger will warm up our body.
Traditionally confinement lady should drink a little bit of brown sugar water.

I take my grandmother’s words and during my menstrual period I drink a lot of old ginger & brown sugar tea.
Out of my expectation, my stomachache was reduces, my menses volume & headache also reduces, it was more effective than taking medicine. Ginger & brown sugar tea also can be drinks during cold winter which help to kept us sweat & warm. It was cheap & does not have any side ** For ladies, during your menstrual period you can try for
Brown Sugar Red bean soup, brown sugar help for blood
circulation and red bean recover for your blood loss.

Drinks this brown sugar red bean soup during & after
your menstrual period it help to smooth your period &
reduce pain. This is better than taking medicine as it does
not have any side effect and was cheap.