Hey YOU..DoN’t B1OcK the BlOgGerZ

July 27, 2008

Fire Walking Ceremony , Theemethi

Filed under: Personal

Just before Aadi month begins, Nageswary Amman Temple at Ampang held Theemeethi festival. It is annual firewalking ceremony which is in form of penance or thanksgiving to the Goddess. It is not as easy as it is. One need to undergo full vegetarianism for atleast 40 days and spirtually divert mind to Goddess. The first 3-4 days before the actual festival is deemed as most crucial days for devotees, some will observe silence or complete fasting. There are speeches by temple priest and devotees will offer free food to the temple.

The firepit is dug during early morning with certain measurement. This firewalking rituals is highly spoken since the age of Mahabharata. (read mahabharata) It is symbolic meaning of victory over war for the pandavas, and one of the most important 18 sacred distinguishable rituals rites in hinduism. The chief priest of the temple will usually starts the firewalking with a karagam ( sacred pot , well decorated which contains holy theertha’s).Some women will walk around the red hot fire beds and others will actually walk on the fire bed and immediately step into pit which contains Milk. This is to cool the devotees feet.

Some photo’s although I could not take all the shots, the location is small and crowded plus some devotees came in trance.

July 18, 2008

Frankie & Aggie cuties

Filed under: Personal

It’s been ages since Frankie and Aggie came to my blog space.. here they are :-

Prenup

Filed under: Personal

Prenup or Pre Nuptial Agreement is a term that is commonly used nowdays, It is making agreement/contract before marriages between couples or even civil union. Few countries encourage this method ie France, Germany and even Canada. The content of the agreement varies, it could range from monetary, lands or property that needs to be given or paid to either couples incase of breakup’s or divorce after marriages. Although this seems to reduce number of divorces but the number isn’t significant enough to stop protruding high rate of divorces everday. There are also cohabitation agreement between unmarried couples..

Laws in each country varies depending on the legality. But it is something to be frowned upon, because marriage doesn’t seems to be marriage anymore & corrupting the whole meaning of it. Although this is well known among couples but there is no enforcement, and the agreements must be submitted to each lawyers for verification , in some cases private judge are retained to ensure neither of them is coerced to get the agreement approved . Oaths are taken infront of the Judge and some instance it is videotaped and kept by the lawyers represented.

Prenup is not the best solutions but it helps to resolve property disputes that mostly taken to Court and prolonged for years..same time assets is protected. We’re aware some marriages happen just for the sake of money or property , with prenup this might be avoided (might ONLY) altough it is not true always..

This is what financial experts says about prenup:-

"Nothing can kill romance faster than the word prenup. But with about one in three of all first marriages ending in divorce, and 50 percent of second or third ones hitting the skids, a prenup is smart financial planning, legal and financial experts say"

"Think of it as a business arrangement or as an insurance policy to help remove some of the emotion that’s naturally involved," says Nancy Dunnan, a New York City financial adviser and author. "Marriage is not just an emotional and physical union — it’s also a financial union. A prenup and the discussions that go with it can help ensure the financial well-being of the marriage."

My personal comment would be no one get’s married in view of getting divorce, instead of using Prenup there are some family laws that be used to bind the financial gathering between the couples. By the way prenuptial agreements are very expensive, the solicitors tend cut-throat and the term that is used in the agreement isn’t something easy to digest. In a simple word there are many other ways to make a marriage works without involving the laws, involving the laws might be seen lack of trust with each other, however with the current era.. things are unjustifiable, lastly the law is not implemented in Malaysia yet. :-)  

July 15, 2008

Ouchh !!!

Filed under: Personal

There will be a month in a year where I will frequently injure myself, it could be anything such as falling down, cut on finger’s or leg or just anything that is painful. Yes it is happening again.. in the month of July. For the past few days continuosly some how rather even how careful am I, I got a cut in my fingers, some plank fell on feet, some sharp thorns scratched my leg, for no reasons my leg has a wound, I almost tumbled and fell down.. almost, luckily I manage to grip on the staircase rail. It is so painful…. :(

July 8, 2008

Dasavatharam from My Eyes

Filed under: Personal, Religious

 

ShAntAkAram bhujaga sayanam padma nAbham surEsam

VishwAdhAram gagana sadrusam megha varNam SubhAngam

Lakshmi kAntam kamala nayanam yOgi hrudyAnagamyam

VandE vishNum bhava bhaya haram sarva lokaika nAtham

Beginning of the story flicked my heart terribly, the hardship that King Chola gave on Ramanuja follower, Rangarajan Nambi is heart wrenching. The eagle being Vahana of Lord Shriman Narayana is being arrowed, the Namam that is being wiped from forehead and the way Lord Sri Renganathar being pulled from the temple gives me goosebump till now !! I don’t want to talk much about the storyline as it is very much perfect I would say. Theoretically to understand the story deeply we need to know the actual meaning of Dasavatharam ( Koorma, Matsya, Balaramar, Raman, Parasuram,Varaha,Krishna,Vamana,Narasimha, Kalki) avatars. The movie has good blend of History, Theories , Science, Nature & God. We can plan anything  but at the real end GOD conquers everything. Although I don’t belong to Iyengar neither follows Visishtadvaita philosophy ,Im a devotee of Lord Shriman Narayana. My forefather’s belongs to Country-State where Lord ShrimanNarayana is the Ultimate God. The state is rich because of him !!

The story will be eye opener for many, not to diverse too much into Science & technology till it will be NO use to human but only destruction. Western countries are heavily investing money on re-inventing more technologies which will benefit the rich not the poor. We can see and witness in the century itself- Co2 Emmision and global warming. Rapid growth of technologies are shrinking the size of globe, nevertheless destroying the nature and we’re living in "fake" world. There is no word for true love or place for emotional. The best way of living is growing technology at steadfast without forsaking our human values and at the same time don’t leave aside GOD. Atlast HE conquers !!

So guy’s watch the movie and go with a reverse psycology, try to understand the story.. Do some research on Butterfly effect & mathematical equations. It would help.

Ultimately & ironically the actual HERO of the STORY is OUR LORD SHRIMANARAYANA!

Atheist may not agree with me, anyway It’s OK. My blog , my space :-)

July 3, 2008

Me & Sandy

Filed under: Personal

It was a great pleasure & happiest moment to meet up with my best/good friend Sandy @Singapore last week. After a gap of good 2 years here we’re back. CHIJ St.Joseph Convent is where our friendship bloomed, although she is much elder to me but we clicked very well . She has witnessed all my ups & downs and always there whenever I needed her. She is skilled in counselling and providing valuable advises & very family oriented person.We share same stands and mindset. Sandy’s big day is approaching and very happy that I will be part of it in few months to come.

 

EPF Investments into Unit Trust

Filed under: Personal, Investment

EPF savings for retirement may not be enough in near future to come. As I always mentioned in my previous write-up most of their savings are finished within less than 5 years. Again with the oil price surge, there is high chances of hiking inflation rate.

What you need to know before withdrawing from EPF ?

1. Check your eligibility, anything excessive of 20% out of 50K from your EPF Account 1 is a good start for your investment.Minimum of investment is 1K.
2. Do not compare the returns from EPF which is 5.15% dividends with your unit trust returns within next 1 year. Unit Trust Investments is not a short term investments, the growth takes atleast few year with minimun 3-5 years.
3. Gain Capital growth significantly over the years.Currently the minimum returns from Unit Trust is 17% per year.
4. Always evaluate the performance of Composite Index against the Equity Fund that you have invested . If you have invested in Bond Fund then check the performance upbeat on Fixed Deposit rate. Do not mix this performance and confuse yourself.
5. Try to understand which fund your’re investing your money in, read the prospectus and check the past market performance for few years. The UT Agent will normally advise their client but it is important to take note as well where the funds are going & the management.
6. Under the new scheme Service Charge for EPF investors is reduced to 3% compared to 5-6% previously, this another drastic steps introduced by the Financial Instituition to encourage more investors.
7. Most of the Unit Trust Companies (Banks or Insurance Instituition) are well build with state of art Sophisticated Systems that would be able to produce the return and valuation of the funds performance.
8. Read Financial/Investment magazines such as theedgedaily & Personal Money.

There are more information that one need to know before you perform the withdrawal, however this would be a good quick start.With new regulations, even youngsters would be able to start investing and diversifying their portfolios allocation over time period.If this write up able to change mindset of our young investors to start investing from now , It would be awesome.
Currently due to the domino effect in US, the Unit price are quite low, instead of normal 25cents, you’re able to purchase the units at even 17cents.

Ie.

With Minimum investment of 1K @ $0.25= 4000 Units
With Minimum investment of 1K @ $0.17= 5882 Units

So you will be getting extra 1882 units !!!!! The growth of your investment is based on per units.

Good Luck Investors !!






















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