Skip to main content

Beauty Inside Out with Newly Launched Hada Labo Hydrating Water Gel

Sponsored Article

EPF Withdrawal : The Fourth Withdrawal Is Like Killing People Golden Years

How To Withdraw EPF


Recently, most Malaysians have been grateful to the government's decision to allow a fourth withdrawal from the Employees Provident Fund (EPF). Grateful? Frankly, speaking nothing great about that decision at all. This is the fourth withdrawal for goodness sake. Repeat again the fourth withdrawal of our retirement savings. How could we feel thankful to allow a withdrawal from our own money? Is it a wise move to withdraw your EPF for the fourth time?

We should only feel grateful if the government funds that aid. They are using the reason the country transitions to the endemic phase. Most people are using the reason for the recent flood and settling the debt with the EPF withdrawals. 

My question here is if the government is sincerely thinking to help the people, why make them pay using their own future money. Where are all the money gone? Massive leakages and criminal breaches of trust by a few prominent leaders who have caused the Malaysian to be in this situation to dip into their retirement money to continue living? Those criminals are still roaming around as free men and potential to be the next PM of Malaysia in the next GE? Possible, right? Money is power! We have a bunch of pirates leading the country.

A comfortable retirement is not even in some people's wildest dreams. According to EPF, over 6.1 million members or 48 per cent of its members under the age of 55 is now have less than RM10,000 in retirement savings. If you can save that RM10,000 of your in the EPF, just leave it there. But of course, many of you have no other way but to withdraw it in order to survive. Be prepared to work harder to recover that RM10k back for your old time.

Goodness, I am personally in my late 40s. I couldn't really work full time due to health reasons. I never imagine having to force myself to continue as a full-time worker for the sake of a monthly salary just to survive. When we are ageing, our bodies take so much toll on us. Back pain, knee pain, high blood, low blood, just name it you got it. You may think, ya you don't take care of your health during your younger years, that is why you are so much in pain during your old time. At least, I don't have to worry that much to retire at this age. 

My advice to people, especially to the young one. Start to save at least 30% of your monthly salary and only plan your expenses after deducting that amount into your savings plan. Trust me, you don't have to worry that much when reaching your mid-40s. To be honest, you will be struggling to save that much if your salary is just enough. No pain. No Gain. You need to struggle to reach a comfortable life goal. Your mind needs to be strong thinking about the worth of pain now.

Golden years is the time for you to live your life calmer and working is just for fun. You should enjoy your Golden year life during this time. Not working yourself to the bone.


Ads In Feed

Adsense in text

Popular posts from this blog

Cosmoderm Luminous A Retinol Review

In general, most people are advised to start using retinol in their mid-20s. Why do we need retinol for our skin? Well, this is because collagen and elastin production starts to slow down. Adding retinol into our skincare routine at age of 25 to 30 is the perfect time to slow down the ageing process. So, what is retinol that people are hyping about? In short, retinol is a topical product containing a vitamin A derivative. Technically speaking a type of retinoid which works to increase collagen production. It helps to treat acne, and blackheads and is also ideal to improve skincare texture such as minimising fine lines, and wrinkles and brightening dull skin. Personally, I am a beginner in adding Retinol into my skincare routine. At the age of 47 years old. I guess, am afraid to start one because I read many side effects if use it wrong.  What is the side effect if you use retinol wrong?  Retinols can increase your skin's sensitivity to sunlight. So, it is advisable to apply this at

Cosmoderm Tea Tree Oil and Vitamin E Product Review

  I was so excited to get an opportunity to review the Malaysia famous skincare brand Cosmoderm, this week. So in love with their Vitamin E Bi-Phased Tonning Essence. If you are a big fan of Cosmoderm skincare, you will know that they have few dedicated series for specific skin conditions. One of their famous skincare series is the Tea Tree Oil.  Last week, I got my hands on the new improved look CosmodermTea Tree Oil and Vitamin E series. * Tea Tree Oil Facial Cleanser * Tea Tree Oil Refining Oil Control Serum * Vitamin E Facial Cleansing Foam * Vitamin E Bi-Phased Toning Essence Cosmoderm Tea Tree Oil skincare series is suitable for oily and acne-prone skin. To be honest, I in love with their new subtle colour packaging. It looks more classy compare to the previous packaging. The Cosmoderm Tea Tree Oil series a proven natural antibacterial with soothing properties to reduce acne and acne spot. The most important,  price for each of their skincare is affordable for anyone. Cosmoderm T

Acupuncture Treatment at Tung Shin Hospital

My Plantar Fasciitis getting bad after return down to KL from Genting short weekend getaway recently. I guess my backpack load too heavy and stress up my heel so much. For those who don't know what is Plantar Fasciitis, I will give you some brief about this. Who knows it may hit you too once you aging like me...hehehe. Anyway, its good to know. Plantar Fasciitis is common pain for middle-aged people. WTH! can't believe I aged this quickly. Young people don't so happy! If you on your feet a lot and do lots of sports, this can hit you too.This pain caused by straining the ligament that supports your arch.  I got mine last year after came back from Taiwan trip in April 2016. I got diagnosed with knee problem in June 2016. So literally tackle my pain one by one. I concentrate on my knee healing and ignore the pain on my feet. Recently the pain on bottom of my heel getting unbearable. Every step with lots of pain and really wish can swallow pain killers or I kill people