01 April the beginning

Today is the day that all PISMP Ambilan January 2010 have been waited for a “very” long time. It’s not April fool, it’s real. Today we will start working as teacher! Report to PPD as a response to accept the offer to be “Pegawai Perkhidmatan Pendidikan Siswazah Gred DG 41”. 

Bertolak seawall jam 6.00 Pagi dari rumah, saya dihantar oleh keluarga(bapa, mak, adik) dan pemandunya ialah sepupu saya. Agak lain rasanya bila “dihantar”. Suatu pengalaman baru kerana sebelum ini segalanya saya pergi sendiri. K sekolah, matrikulasi, IPG saya lakukan sendirian. Namun hari ini mereka bersama saya.

Perjalanan mengambil masa 4 jam tepat untuk sampai ke PPD Tenom dengan perjalanan melebihi 250KM. Diberi taklimat oleh beberapa orang atasan iaitu daripada PPD Tenom dan JPN Sabah. 

Suatu yang agak mengejutkan ialah seramai 6 orang guru baharu akan dihantar ke sekolah SK.Baru Jumpa Tenom. Pelbagai fikiran masuk, positif, negatif dan akhirnya saya putuskan untuk tunggu dan lihat.

Setelah berjumpa dengan Guru Besar, En. Raymond, kami diizinkan ke sekolah dan saya sebagai orang jauh diberi kesempatan menumpang di rumah guru senior. Tepat jam 3.38 Petang saya menjejak kaki ke SK.Baru Jumpa. Sekolah sederhana dengan jumlah murid 150+ sahaja. Pertanyaan mngapa ramai sangat guru baharu jika sekolah begini sahaja masih belum terjawab.

Menumpang semalaman di rumah Cikgu Johari (rumah guru) dan secara jujur bliau seorang yang bersemangat, kreatif, positif dan yes suatu yang sangat membrangsangkan. Pelbagai perkara dikongsi Cuma ada beberapa yang pasti akan saya ingat. “Buat apa yang kamu tahu yang ada di depan mata”. He is business minded but real teacher.

Agak keletihan untuk segala peerjalanan dan proses lapor diri hari ini, dalam sekitar jam 10 Malam dah tertidur.

Perkara yang agak “kurang” ialah tempat ini mempunyai “line” telefon yang agak terhad dan hanya boleh diperoleeh di tempat tertentu sahaja. But it’s still ok.

Skim Pencn VS KWSP/PF untuk Penjawat Awam. Apa pilihan anda?

Spending almost one and half hour to make some research about the difference between KWSP and pencen and yes too much information and what the good things is almost everything is similar. So, no confusion, no hard thinking and the only one to do are to make a choice. When we work for government, we have special offer that is Retirement Scheme. So what is difference with KWSP/EPF and Skim Pencen?

Pension is a scheme given to the government servant that entitles with some benefits:

•  The worker does not contribute to the pension 
•  It is a family pension scheme where they are entitle to a lump sum of reward ( 7.5% X duration of service X last pay) and the pension  ( 1/600 X duration of service X last pay). The benefits of pension are given to the worker as long as he lives or if pass away shall be given to his spouse or the children if they are under 18. 
• Besides that the worker are given the golden handshake with the rate of  (1/30 X leave accumulated of maximum 120 days X last pay) 
• Medical benefits in and after service for spouse and children. Medical benefits for parents are entitled when the worker is in service.
• When the worker passes away the pension and reward shall be given to the spouse or children.
• The benefits of losing ability during working period shall be paid as given rate depends on the level of disability
• If there is increment to the salary, the pensioner will get increment too.
• Those that are pension can be pension by the options of mandatory, health reason, the termination of the post, reorganizing the organization, due to public benefits, due to government demand as well as being appointed by some organization.
• No taxation on the reward and Golden Handshake.  

Meanwhile for those that chose the KSWP skim, they are entitle with benefits such as:

• The government need to contribute 12% while the worker need to contribute 11% for KWSP
• Entitle to receive the Golden Handshake
• Medical benefits only during in service and after retirement such benefits are withdrawer
• No monthly pension given
• They need to pay back the entire loan.
• The family members will receive RM 2000 if the worker pass away or suffer from disability during work.
• Can quit the job at any time.
• May receive KWSP dividend
• May escape taxation by the limit of withdrawal RM5000 a year or depends on the current rules. 

Above is just one info I’ve taken from a blog and there’s more. But at the end, even I’m not start working yet; I’ve decided that I will take the pension scheme. I think it’s better for retirement and because I’ve decided to work for government for at least 30 years. However, in order to have better life, I must do two basic things later:

11% of the salary must be deducted directly to ASB. It’s because those who work and take KWSP still can make a living vent the 11% is deducted.

10% of the remainder must b saved in ASB or ASN. 10% is the at least saving you must made.

So, total money must be saved is 21%. Or 1/5 of the salary.

Life Is A Gift

Today before you think of saying an unkind word– think of someone who can’t speak.

Before you complain about the taste of your food– think of someone who has nothing to eat.

Before you complain about your husband or wife– think of someone who is crying out to God for a companion.

Today before you complain about life– think of someone who went too early to heaven.

Before you complain about your children– think of someone who desires children but they’re barren.

Before you argue about your dirty house, someone didn’t clean or sweep– think of the people who are living in the streets.

Before whining about the distance you drive– think of someone who walks the same distance with their feet.

And when you are tired and complain about your job– think of the unemployed, the disabled and those who wished they had your job.

But before you think of pointing the finger or condemning another– remember that not one of us are without sin and we all answer to one maker.

And when depressing thoughts seem to get you down– put a smile on your face and thank God you’re alive and still around.
Life is a gift – Live it, Enjoy it, Celebrate it, and Fulfill it.

It's been a while..

New years begin with some not-so-good things and it’s really upsetting me. I don’t know what exactly going to be happen, I’ve been pray for this but it’s still happen in different way. So, what should I do? I will wait until the next week and after all, I’ll decide.

Stay in my sister’s house for a long time really not a good feeling for me. Sometimes I feel likes a pressure for them and when I didn’t do anything for a whole day, it making me feel bad. It’s just likes I’m so useless, effortless and brainless. I want everything of this settled faster as possible.

I still have some plan in my hometown but at the same time I still hoping that our posting will come as soon as possible. I need to fulfill my financial revolution and yes I have to. A lot of thing need concentration and I jus hoping can manage everything in beautiful way.

At the same time, I’m just so happy for having my wonderful girlfriend that always with me. She still has another paper today and I hope her doing well and later I can see her with smile as always. The unexpected person that I never expect will be my beloved. Love you now and always.

HAPPY NEW YEAR.

It’s been 6^th day in 2014, so means this year I'll be 24 years old. I think I'm getting older. :) . So what is my opinion in 2013? Overall everything was good. Everything happen nicely. There’s a lot of success and some failure.

Failure:

1. For me, the only two real failure is firstly I didn’t get my driving license. I’ve tried but it just not happen as I wish.
2. Second failure: I didn’t make saving to RM 19K by 01.01.2014 it was RM 60 from the target. Actually the first target was 18K but then I’ve change it by July and its not so much, but it’s still a failure.

Success:

Big success is I completed my life as student in very satisfied condition. Get 3.75 on May and get 3.84 for the last semester was the best success for me.

Next.

For the next, I have 20 revolution some big things is:

1. Financial.
2. Relationship with Veroen.
3. Family.
4. Faith.
5. Driving license

  I just hope I can make it.

 <<= GAMBAR HIASAN. :D

 

Thanks God..my dream come true??

I think I’ve fall in love and I’ll stay with this one…

I know this feeling…

I’m confident with this… for first time in my life..

I’m not shy to say this… and to tell other that she is my gf. hehe

Yes I Love You. 

everything happen for the first time and so unexpected. :)

It will be a long journey and we’ll never know what will happen along the way, but as long as I can, I’ll stay with you.