Read between the LINES!! (balance transfer)

Bank are such a money sucker!!

Okay, HSBC called me this afternoon to offer a 12 months 0% interest fee balance transfer! No processing fee, no early settlement fee, no fee involve!! Sounded too good to be true ya!!! Wait....

Let me give u a scenario to help u see the picture clearer.

Balance transfer amount from Bank A - RM6k (0% interest for 12 months, pay as u wish)
Current month retail transaction - RM8k

When the statement comes, my outstanding should be 14k rite? Okay, I am a bit tight, so i issue a check to HSBC CREDIT CARD FOR XXX XXX XXX amounting RM10

So, is the bank smart enuff to decide for u to pay 8k for the retail transaction & 2k for the balance transfer amount???? Dun be so naive!! read further!

When HSBC got the payment, this is the DEFAULT formula they will use to offset the payment is

1st - To pay off all fees n charges (like annual fee, late payment fee, interest, etc etc)
2nd - To pay off the balance transfer amount
Lastly if there's still $$ left then only it will be used to offset your retail transaction!!

So based on my earlier example when I pay RM10k, the bank by DEFAULT will pay the 6k balance transfer amount and the remaining 4k to offset the retail transaction.

Got it???

In case u still don't get it, you will still have an outstanding balance of 4k from your retail transaction which will attract the normal interest rate of 18% per anum!!! So at the end of the day... you are still paying the interest! The point is to WHOM you are paying! So y bother do the transfer in the first place????

ARRGHHHHHHH Bank are such a money sucker!!!!!! They almost got me manipulated!!!!

Think TWICE or THRISE when you want to do balance transfer!

When you wish hard enough

You get what you wanted!!!

Of course, don't just wish, try to put some action so that your wish could come true.

Over the past 6 months, I have changed 2 phones. My old K610 have served me well for the past 2 years (it was a 2nd hand phone btw). As time goes by, its battery life has depleted to an extend whereby I gotta charge it everyday. Due to my nature of work, i talk a lot over the phone. And sometimes if i do go for appointment and so happen using the phone for a while, the battery will went dead on me. Tried this a couple of times. Till mom is nagging me n CY also complaint about my "un"reachability *sigh* I am financially tight!! So i just have to endure the hardship!!

One fine day my bro decided to gave me his old phone, k850, i accepted it happily, however after using it couple of days, i realise the phone would hang easily!! This is even more frustrating!! Arrghhhhhh

At the same time I have been thinking about changing a phone.... I wanna get myself an iPhone, but I just could afford it! So i have been talking about it for ages, and suddenly CY was telling me in a serious tone "I have decided to get you an iPhone" YEAH!!!! Yippeee!! I was practically jumping up and down!!

And the next thing we know, he really brought me to Gardens Mid Valley to get the phone and paid happily for it!

I love u babe!!

RING RING

RING RINGG (HP RINGING)

ME: HELLO
X: Khairi
ME: HA??
X: Boleh saya cakap dengan Khairii
Me: Wrong no la~ (polite tone)
X:.................

That rude fella just hung up the phone!! Hey did u do ur SPM or not? u spent 5 years studying Pendidikan Moral and you can't even end a phone conversation politely?? Not even a "sorry".

Gosh!! u r really a XYG!!

2010 CNY

This year, the 2010 pre n post CNY celebrations was good!! It was fun and busy 2 weeks!! And I wonder y time got to fly so fast that by the time I am posting this, it's already end of March! Okay, let's not talk about crap, get back to the topic. This year Alice is coming to join us for CNY celebration as her last leg of her South East Asia Tour. She arrive on the 10th Feb at nite. And I made a silly mistake of thinking she is arriving at 9th, almost wanted to go to airport already! haha

If i were to detail out all the details, it's gonna be a long long post which i dunno when i'm gonna be done with it. So everything is in point form.

11/2, Thurs @ MV CENTRO, Alice perm hair, SF marathon appt & lunch with Jennifer & KS + 2 interviews. Then go shopping. Reached home Allie went out with SFei for a drink.

12/2, Fri - Go Putrajaya, mosque Hot day then take train back to Ipoh n super at the super long wait wat tan hor shop!

13/2, Sat - Nin 30, met CY's youngest aunt n lunch with her. Come back then reunion dinner

14/2, Sun - Chor 1 - Go tah bao chai choi, go perak hole, come back shower have lunch then sleep n then ush. dinner just watch TV

15/2, Mon Chor 2 - Had a big argument with CY on the timing to come back to KL, though we bought the train ticket for the same day at 1pm.

16/2, Tues Go MV wif Alice to buy bolster

Fri - work
- Dinner with Irene & Gang. Then proceed to Andy's house for the gambling session. went home around 3+

Sat - BBQ
Sunday - SMTS Gathering @ BK house. Buy "sweet castle" and bai tin gong
Mon - Thurs Work as usual

Fri - San San open house

Sat - Interview then go 1U - 72 tenants

Sunday - Oriental Pavillion gathering wif ex DotCC, went puncak jalil and BBQ at home

It concludes my 2010 CNY celebration!! a real 2 weeks CNY gala!!

Maldivian Claud

After moved in to the new house in less than a year, we discovered that the painting on exterior wall has faded!! Day by day that it has faded till an extend of making our new house looks like an OLD one!!

So it's not hard to guess what's my to do list for PRE-CNY prep ya??

PAINT THE HOUSE!!!

Fret not, i'm not so ambitious to paint the whole house, just the outer wall where the main gate attached to it!! So what's my to buy list?

Dulux Weather Shield - White
Weather Shield - Maldivian Claud (it's actually a blueish grey)
Black paint (for the gate)
Brushes

So on last Saturday morning, both of us wake up at 6.45am to prep to paint the house!!! and Gosh, i din know that it's gonna be this tiring!!! (Seriously, no kidding, it's really TIRING) we are both exhausted when we finally completed this mini project!! (and I'm glad we did it n I'm happy with the new look of it)

Here's a sneak peak of LG painting the house!!


What did i learn during this process?
1) Don't be stingy! If you are not sure the leftover paint is enough for the job, get enough supply or else u'll risk doing that tiring job again!!
2) Brushes! Make sure you get enough brushes!
3) Tape! Useful to do the delicate area without having the hassle of touching up!
4) Dun be lazy! Cover the flr with newspaper!! or else u gotta sit there with ur tiring butt, hand and leg to remove the stain! Worse of all, make ur finger dry n skin crack!
5) Check the weather forecast! As u don't want the rain to ruin your few hours HARDWORK!!
6) Be creative and bold! change new colours, coz painting the same old colour could be boring!

I QUIT!

Am I a doomed manager? Everytime when i start to have a good bond with my staff they wanna hit me with the word GOOD BYE!!

The first case happened when after a long long day I drive home to get an sms (around sunway pyramid area) that my staff wanted to resign. And she mention she has thought about this for long and have made up her mind. When I tried to call her, she has switched off her phone!!! FURIOUS!!

2nd case, the girl came to my desk at 7pm when i was about to call it a day to ask " Do you have a minute to talk" Okay immediately I know what she wants to tell me. bla bla bla, better offer and nearer location.

Okay okay go ahead to ur greener pasture, i am not stopping u. I WILL DEFINATELY GET A BETTER REPLACEMENT

How to be HAPPY

This shop manage to catch my attention every time i walk past coz they have live demonstration on how to make the candy. But i never bought one coz eating candy is not really what I fancy, plus their candy doesn't come cheap.

Last weekend, we were taking a browse after dinner at 1U, and bump into this cute lil' shop again, and this time they are giving out free candy!!! Without hessitation, I went to grab one, to my surprise they have lil "I LOVE YOU" Words in it!!

HAPPY can be as simple as getting a free candy :)