Russia beat the Dutch with 3-1! I was left speechless with the result. Oh well.. I just realize something after watching this match. The Russian national anthem make Malaysia national anthem sound like a cheap reap off! Eh wait, it was a cheap reap off from that haiwaian song. What was it call again? Mulan? Mah mulan? Disney Mulan? Arg.. forget it.
Every time they play the russian national anthem it just give me this patriotic feeling that make me want to go all “Rambo” for my country but when i listen to Malaysia Anthem, Negaraku, it feels like I m attending someone’s funeral. Over the years they made it worse by slowing the pace of the music. What can i say? Malaysia Boleh?! LOL
I used to dislike insurance sales people. Why? Because they have the persistency of pestering you until you sign up with them. Secondly, I am a bit superstitious. Insurance is usually about bad things happening to you and I don’t like the idea of having bad things happening to me. Touch wood! However, risks have always been present in every situations. And Man loves to gamble, that is, take risks. Insurance companies take risks. They absorbed the risks by taking on the risks that they won’t happen. If it did not happen, then the insurance company will benefit. On the other hand if the event did occur, then the insurance company will pay out from the pool of fund. Of course, the insurance company will hope that the incidents will not occur. That is a risk that they will have to take.
Life is a challenge! Luckily, there is such an industry that take up the risks, the insurance companies.
There are primarily, four main type of insurance. They are, home, auto, life and health insurances. Each is applicable to each situation. People who borrows money to buy houses, they will have to take out a home insurance that will satisfy the security for the loans they borrowed from the banks. In the event that should the bread winner of the family passed away, the insurance company will settle the remaining unpaid sum to the bank. The beneficiary will be the spouse and children, who will at least, have a shelter over their heads.
For auto insurance, every one need to take out a car insurance. A first party insurance is compulsory if you are taking out an auto loan from a financial institution. Should someone banged into your car, your insurance company will take care of the bills for the repairs.
Health insurance is now becoming a necessity as the medical bills for critical illnesses keep on rising every year. If you are traveling overseas, or even on short holidays, it is prudent that you take up a health insurance to cover your medical bills. You will be able to access to immediate medical attention if you have a health insurance.
Life insurance provides security for your spouse and immediate family members. Your brains is worth so much only when you are alive but the moment, one is dead, it is worthless. Only a life insurance, will help to realize your potential earnings of a dead person’s brains. If one is highly qualify in terms of academic qualifications and holding a good earning profession such as doctor, engineer or dentist, one should definitely take out a life insurance, to ensure that future potential earnings, will be realized for the next of kin. For a comparison of the premiums that one has to pay, one can check out which company gives you the best quote on life insurance online.
When you are buying a car, one usually needs a loan, that is, for those of us who do not have the cash to pay at one go. How many of us have that kind of spare cash to purchase a car. Not many, especially if you are employed on a fixed salary. However, cars are essential for one to move from one place to another. This is an essential mode of transport for one who is employed. The issue of buying a car is not a big one but the financing of an automobile is. Naturally, one would want to get the best lowest interest rates for one’s auto loan. Finding the financial institution that will give you the lowest interest rates for your auto loan is not easy. But using the concept of reverse bidding, the best auto loan can get auto loan lenders to compete for your business. People like you and other car buyers will sign up with the best auto loan site. The Best Auto Loan will have a list of potential auto loan borrowers. Now, The Best Auto Loan will ask the auto loan lenders to bid to see who will offer the best rates. This way, the auto loan borrowers are assured of the best rates for their loans as the lenders will compete among themselves to get the most borrowers. The system is unique and since there are more borrowers than there are lenders, the best rates will work out by itself. Borrowers only have to sign up with The Best Auto Loan and thus it saves him a lot of time looking for the best auto loan rates among the many commercial institutions. Don’t get into a bad credit auto loans situation by taking up the deal at the car dealership without checking out the offers at The BestAuto Loan site. You could save yourself a lot of money.
When times are bad, such as in a recession or depression, people tends to borrow from financial institutions. Borrowing from financial institutions is fine, as long as it is for a short term basis. If it is just one debt, then it is manageable. However, the dangers lie in getting too many loans or overdrafts from too many financial institutions. The current economy is such that competition among financial institutions are fierce. Marketing people have quotas to fulfill and they will go into public places such as shopping complexes, supermarkets and restaurants to sell their credit facilities to you.
The most common form of getting a customer to borrow from a bank is to offer them the credit cards. If you have a classic credit card, they will offer to upgradeyou to ‘gold’ card or even a ‘platinum’ card. They will sweet talk you to signing it on the dotted lines, giving you very attractive benefits such as upgraded status, unlimited amount, added security features, etc. Having a credit card is fine, irrespective of whether it is classic, gold or platinum. The sensible common sense of controlling the use of it will help you to manage your spending and your debts.
What happen if you have many credit cards and you are having so many commitments? The answer is to use a simple tool called debt consolidation. Debt consolidation is a method that gathers in all your debts from your various cards, drafts and loans into one single financial statement. You will be able to see you total debts or expenses per month at any one time. People get serious when they see the total sum. When the sum is broken down into small amounts, people lost count of it and will not be in the big picture. To get on top of your debts, get in the big picture. Consolidate your debts and spendings into one big financial statement. The amount will usually jot one up and make one realize the seriousness ofthe debts he is in.
What if you are no accountant wizard? Not an issue. There are debt consolidators agencies that will help you to figure out your debts consolidation. There are also some government funded debt consolidation agency that will offer you free services. Find out from your area whether there is one nearest to you. Just give them a call and make an appointment and you are on the way to overcoming your mountain of debts. Act now and act fast to overcome your debts by giving them to the debts consolidation agencies to help you to manage your debts immediately. Be in control of your debts and don’t let your creditors control you and your life. Learn debt consolidation from the debt consolidators expert and free your life from debts to too many institutions.
KUALA LUMPUR: Former Prime Minister Tun Dr Mahathir Mohamad has shot back at two Umno veterans who criticised him and said their comments “has really tickled my heart.”
He took a pot shot at his former deputy Tun Musa Hitam who had described him as ‘thorn in the flesh’ and chastised Datuk Shahrir Abdul Samad whom he said had forgotten how he was allowed to return to Umno after being out of the party.
“Tun Musa Hitam claimed that I was a thorn in the flesh that has now been removed. Has Tun (Musa Hitam) forgotten that he was a thorn in the flesh in Umno back in 1986-1987 when he was the deputy prime minister appointed by me?”
“He resigned as deputy prime minister and Umno deputy president because he wanted me to step down as the Prime Minister and be replaced by him. Following an appeal by Supreme Council members, he returned as Umno deputy president as he still had intentions to bring me down.
“That is why he instigated his worst enemy, Tengku Razaleigh (Hamzah), to fight against me,” Dr Mahathir claimed in his blog www.chedet.com Thursday.
Dr Mahathir claimed that the former DPM hated him so much that he was willing to allow his political enemy to contest the party presidency although Musa Hitam, he claimed had previously appealed to him to help him win the deputy president post from Tengku Razaleigh.
“In the end, Umno fell apart and the splinter party Semangat 46 was formed, which he cleverly did not join. I then appointed him as a Minister-level messenger to United Nations.
“Tengku Razaleigh on the other hand, was out of Umno and became Tun’s (Musa Hitam’s) victim. Congrats Tun,” Dr Mahathir said in his posting.
Dr Mahathir was commenting on a report aired on local television on May 19, following his decision to leave Umno that same day, a move that shocked many. Musa Hitam’s comments had irked some Umno members while others felt it was a “personal opinion”.
On Shahrir, Dr Mahathir said the Domestic trade and Consumer Affairs Minister had forgotten how he had left Umno and became an independent candidate to fight against Umno in a by-election using the key symbol.
“Who are you (Shahrir) to criticise me? If it weren’t for Tun Musa’s sister who as the then Johor Baru Wanita chief, who came to my house early in the morning to appeal that you be allowed to return to Umno, you would have become a thorn in Umno’s flesh for a longer period.
“Although you berated me in the by-election, I agreed to let you back in,” he added.
He congratulated Shahrir for becoming a minister once again but advised him to “take good care of the price of goods instead of commenting about me.”
Dr Mahathir who is currently attending a conference in Tokyo, Japan, ended his posting with the phrase ‘Tepuk dulang paku serpih, katakan orang awak yang lebih’. (You are accusing others when you are far worse).
Most of us own several credit cards. Not that we love to have them but the banks keep pushing them to us. I signed up a few just for the free gifts but really, I do not need these many. One tends to overspend with so many cards. There was a study carried out by AmericanNortheastateUniversity doctorate students to determine the effect of reducing the number of credit cards one carried. One group was selected with over five credit cards while the second group was selected for those with less than five cards. The control group is those with no cards at all. The results are interesting in that the expenses correspond proportionately with the number of cards that one carries. So they did another experiment. They asked the group with the five cards and above to reduce their cards to two and sliced up the rest. A surprising result occurs. Their expenses went down drastically. I have checked this phenomenon with studies conducted in other countries and I found that similar results did happen.
The modern financial institutions recognize these studies and there are institutions that are giving advice and packages to help one to control one’s expenditure. For those with many credit cards, there is a scheme called credit card consolidation where all your expenses from your cards are consolidated into one statement. This way, you are able to keep track of all your expenses in one glance and will be able to monitor how much you spend for each month or week. If you have many credit cards and the statements come separately, it is very difficult to keep control of your expenditure. The worst part is that if you have supplementary cards for your family. A consolidated statement will help you to keep track of each card expenses. This is why a credit card consolidation is so important in the managing of the cards expenses.
Any body who owns a car need a car insurance. The car insurance varies with a number of factors. Factors like, the history of the driver, make of car, the age of the car and service available for that car make. A new car that is under loan with a financial institution will require what we called a first class comprehensive car insurance. This type of insurance can be a hefty one and one would try to look for the cheapest car insurance available on the market.
How to get a cheap car insurance? Well, if you have an old car and it has been insured in your name, you can transfer your NCB (No Claim Bonus) to your new car. If your NCB is 50%, then you would save 50 per cent on the insurance premiums for your new car insurance. This would be quite a lot of saving for a first class comprehensive insurance.
Another way to save your car insurance is to find a make that has good service back up. Makes that provides easily available parts will attract a lower car insurance because the insurance companies know that these repairs can be done locally and at a cheaper cost. If you were to buy a Porsche, then you are likely to pay a hefty premium price because the parts are not easily available and will have to be imported in from Italy or some overseas stockists. The freight charges will be another costs incurred and because these type of cars required highly specialized skilled mechanics, their charges for the workmanship will also attract a different rates from the more common cars on the road. So if you are looking for a cheap car insurance, go for a more common make that provides readily available parts and services.
There are certain cars that will attract thieves or car robbers. These are cars that are highly in demand or their parts are difficult to obtain. Car thieves know the value of the parts and they will steal these cars and cannibalise the parts quickly. Check it out with the insurance companies for these makes before you purchase your next car.
Buying a house is everyone desire and wishes. However, the price of a house is no small amount. Before one decide on a house I suggest that you choose your house according to what you can afford and what you need. A big house is nice to have and to show off to friends but the maintenance and upkeep is huge. If you have a small family or planning to have a small family, then, a single story bungalow will do. If you are going for cheaper price dwelling, then you should seriously consider the link houses or apartments. They are nice and cheap and you have neighbors to keep you company. Having decided to buy the house after much hunting and bargaining, the next step is to make the financing arrangements. Do not let the developers plan your financing. I suggest that you shop around and check out their mortgage rate. They do varies from bank to bank, depending on how desperate they are in giving out their loans quota.
The financial institutions have various schemes for financing your house. The mortgage schemes are of various types. You have the fixed interest rate for the entire duration. A fixed interest rates will hedge you against higher interest rates in the future. However, the financial world is a bit of a yoyo and interest rates can go up or down. In recession times, the interest rates can plunge and if you are on the fixed rate, you will lose out. The competition among banking institutions have been very keen lately and it is good that you shop around for the best interest rates for your mortgages. Everyone is looking for the best mortgage rate for their houses. A smart developer will arrange en block a group of potential buyers ready and present them to the financial institutions. The institutions will bid for these potential buyers en block and whoever offer the lowest mortgage rate will get the whole lot of potential borrowers from the developer.
Credit cards have a number of advantages over cash or cheques. I would strongly recommend that one should always carry at least one credit card. It is preferably that you have two cards as when one card failed to go through, you can use another card, otherwise, it would be rather embarrassing at the payout counter, with a long queue of customers waiting for your card to go through.
Applying for a credit card is not difficult. As long as you have a steady income, one can apply for one from the bank you used to do your banking or get one from those online credit cards companies that are available on the net. Getting the credit card is the easy part. Keeping it is another thing. One must be wise in using a credit card. The golden rule is ‘ do not spend beyond what you can pay’. Credit card companies earn from the interest on the amount not paid back on the due date and penalty charges for late payment. The interest rate is quite high and this is where the credit card companies make their profit.
Credit card earn you rewards points, which you can accumulate up and redeem for the things that you want. This is the added benefits of credit cards as compared to cash payments.
With the number of snatch thieves incident, it is safer to use credit cards as when you lost your credit card , you can stop payment from the card within a few minutes.
With the advance of technology, credit card machines have also gone GPS as well. In remote villages, traders cantransact credit card transactions using satellite GPS technology. The plastic card has come a long way.
The credit card has evolved in status as well. In the beginning, you have the classic card, then the gold card and now the platinum card. Of course the premium fees goes up with each status as well. In reality, I prefer the classic card because it has less chance of being duplicated by fraudsters. Be careful with the gold and the platinum cards and guard them well as these cards have higher limit amounts.
I was looking through youtube the other day and I so happen to found this! Very interesting even tho it is a bit old. It’s PCK RAP! (Phua Chu Kang RAP)
It’s been along time since my last post. I’m really sorry to keep you guy’s waiting. I was busy learning to “walk”. Learning to walk has been very challenging! Funny as it may be, my right foot has total forgotten how to walk!
Anyway, I would like to focus on politics today! LOL. As most of you know, I have an interest in politics which I often share indirectly with you guys. It’s seem that Malaysian politics has just risen to an all new level with Pakatan Rakyat with is made out of PKR, DAP and PAS scoring a huge majority in 2008 General Election. To make thing more interesting, Badawi has annouced that he is handling power over to Najib after the UMNo assembly but it doesn’t just end they. Anuar 5 year ban on politic’s has finally end and many surprises awaits all of us. As a Malaysian, news like this is as juicy as Britney Spears gossips! I’ll have to stop here for now. I’ll be back as soon as possible with more post.
People love to eat, drink, sex and gamble. That is why casino is sprouting out all over the places. People loves the excitement of taking chances, risks in a game. The anticipation of the outcome drives the players to go on and on and on. On a world wide observations, the Chinese or Asians are serious gamblers, while the Europeans are more of a casual type. This is the reason , why in recent years, the casinos in Macau has outperform the casinos in Las Vegas. More casinos are coming up in Singapore, a country that has banned gambling for years, Genting in Kuala Lumpur and there are talks of it in Thailand.
Casinos online have been sprouting up like mushrooms all the world lately through the internet. In certain states in USA, casino is illegal. The list of online casinos accepting US players except 11 states: Illinois, Indiana, Louisiana, Michigan, Nevada, New Jersey, New York, Oregon, South Dakota, Washington and Wisconsin can be seen at USA online casinos.
These online casinos features big bonus casinos, free casinos, no deposit casinos, and flash casinos, giving you a wide range to choose from. The online casinos is so user friendly and gives a very comprehensive and easy to use casinos guide to all USA players. A plus feature of these online casinos offer large bonuses, and free no deposit bonuses. This is a must see website for anyone interested in online gambling as there are so many opportunities and choices to see, view and try before you leave.
