They give you a credit card credit limit way more than double your monthly income.
It's so scary to think how such unsecured credit can so easily be derived these days.
Even the risk averse are put at risk with such high limits in the hope that people will be tempted to spend and swipe, coupled with all the latest credit card discounts and gimmicks.
Once they do, the banks then hope a certain percentage of users will roll their debt and pay the minimum sum, thereby accruing their debts at up to 24% per annum. Quite comparable to a loansharking, actually.
And that's how banks make a chunk of money of credit card issuance.
Be careful out there.
Saturday, April 06, 2013
Thursday, April 04, 2013
Candy Crush Saga Completed
Nothing like completing the whole game in order to stop the addiction once and for all!
And talk about finishing with a bang!
Until new levels get developed.
Sweet!
Divine!
And talk about finishing with a bang!
Until new levels get developed.
Sweet!
Divine!
Ouch aux Français
This is gonna suck if you're currently a PSG player.
You can almost hear Zlatan Ibrahimovic screaming from way over there.
Speaking of which PSG actually managed a 2-2 draw against Barcelona in the Champions League yesterday. Impressive.
You can almost hear Zlatan Ibrahimovic screaming from way over there.
Speaking of which PSG actually managed a 2-2 draw against Barcelona in the Champions League yesterday. Impressive.
Out Of FA Cup
So there goes our Double dream as well.
Yet somehow I don't feel so bad.
As long as we win #20 even on goal difference I don't care.
At least we have the league. Which was what we needed after last year's heartache.
GGMU!!!
Yet somehow I don't feel so bad.
As long as we win #20 even on goal difference I don't care.
At least we have the league. Which was what we needed after last year's heartache.
GGMU!!!
Saturday, March 30, 2013
Sunderland 0 Manchester United 1
Everyone looked tired from the international break.
I guess we were lucky to have been up against such a lousy opponent that didn't want to win.
Yet as woeful as Sunderland was, we slowly matched them as the game wore on. By the time the middle of the 2nd half came by, Sunderland was actually dominating!
Geez. Hopefully we play better than this in our upcoming matches.
Nonetheless we're 18pts clear, although Man City are playing now with a game in hand, with 8 games left.
Can't help but feel that the title is ours.
#20!!!
GGMU!!!
I guess we were lucky to have been up against such a lousy opponent that didn't want to win.
Yet as woeful as Sunderland was, we slowly matched them as the game wore on. By the time the middle of the 2nd half came by, Sunderland was actually dominating!
Geez. Hopefully we play better than this in our upcoming matches.
Nonetheless we're 18pts clear, although Man City are playing now with a game in hand, with 8 games left.
Can't help but feel that the title is ours.
#20!!!
GGMU!!!
Wednesday, March 27, 2013
Hitch Quote
Hitch: Life is not the amount of breaths you take, it's the moments that take your breath away.
____________________________________________________
Sara: What should we toast to?
Hitch: Never lie, steal, cheat, or drink. But if you must lie, lie in the arms of the one you love. If you must steal, steal away from bad company. If you must cheat, cheat death. And if you must drink, drink in the moments that take your breath away.
____________________________________________________
Sara: What should we toast to?
Hitch: Never lie, steal, cheat, or drink. But if you must lie, lie in the arms of the one you love. If you must steal, steal away from bad company. If you must cheat, cheat death. And if you must drink, drink in the moments that take your breath away.
Monday, March 25, 2013
Money Can Be Earned Back
Many times people use this consolation phrase, and to be fair, it has it's truths.
Other times, the harsh realization of the folly of gambling and 'investing' it all away based on rash and irrational decisions, never fails to come back to haunt.
Never more so, in times when one feels the need for money the most. But of course, money is never enough.
Endless cycles of 'if only' and 'what if' swarm and swim around the mind, relentlessly and imaginatively conjuring thoughts that cannot be put to action, arrested by the harsh bearings of time.
You really cannot regret enough.
Now that it's gone, what can you do?
Only the consolation that you would work harder, invest smarter and spend wiser, ebbs some of that pain.
Effectively, the only way forward is with optimism.
Now that things have come to such a stage, at least you were able to awaken and realize the grievous follies made before.
One thing that you can do is to look forward positively!
Understand that past performance is never indicative of the future!
Grab the new opportunities as they come!
Hopefully, the winds of change are around the corner.
Other times, the harsh realization of the folly of gambling and 'investing' it all away based on rash and irrational decisions, never fails to come back to haunt.
Never more so, in times when one feels the need for money the most. But of course, money is never enough.
Endless cycles of 'if only' and 'what if' swarm and swim around the mind, relentlessly and imaginatively conjuring thoughts that cannot be put to action, arrested by the harsh bearings of time.
You really cannot regret enough.
Now that it's gone, what can you do?
Only the consolation that you would work harder, invest smarter and spend wiser, ebbs some of that pain.
Effectively, the only way forward is with optimism.
Now that things have come to such a stage, at least you were able to awaken and realize the grievous follies made before.
One thing that you can do is to look forward positively!
Understand that past performance is never indicative of the future!
Grab the new opportunities as they come!
Hopefully, the winds of change are around the corner.
Friday, March 22, 2013
Indo Mie
Is Indonesian Indo Mie better than Singaporean Indo Mie?
I'm about to find out!
Directly air-flown from Medan somemore!
I'm about to find out!
Directly air-flown from Medan somemore!
Thursday, March 21, 2013
Medan 2013
Looks almost the same as Surabaya doesn't it?
Quaint and serene.
Reminds me of Ipoh, Malaysia, from back in the '80s (haven't been back there for more than 20yrs).
Quaint and serene.
Reminds me of Ipoh, Malaysia, from back in the '80s (haven't been back there for more than 20yrs).
Passed CMFAS M6A
Passed the latest CMFAS M6A on my first attempt!
Was under abit too much pressure to pass, really. Goodness knows how I'd react if I failed. Or the ridicule I'd receive.
Kudos to the wifey and some good study advice!
No more studying please. I can't take such cramming anymore.
Was under abit too much pressure to pass, really. Goodness knows how I'd react if I failed. Or the ridicule I'd receive.
Kudos to the wifey and some good study advice!
No more studying please. I can't take such cramming anymore.
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