No one in their right mind would want to be involved in any road accident yet you see everyday people driving like madman everywhere. Car drivers driving like road bullies and motorcyclist riding without helmets with sometimes more than one pillion rider acting like they are stunt men from an action movie.

So is it any wonder that you hear people getting involved in road accidents daily and the number of death toll are also on the rise? Even with the different campaigns going on road users does not seem to realize that they are responsible for their lives and safety.

When it comes to accidents and Accident Claims, parties involved are most likely to settle without any involvement from the traffic police department. They much prefer to settle among themselves and avoid any fines or demerit points. As far as they are concern, damages get paid for and they are compensated fairly. Of course this is illegal but people prefer this process as it is faster and easier.

This is of course not possible when there is death involved. Then the traffic police will of course be involved as will the insurance company. Court cases will also come into play if it were drunk driving for example. Then the case gets a lot more complex with he said, she said kind of thing.

Whatever the situation is, accidents are accidents. That's why they call it such. But it should be something we avoid and not tempt.

Cheerio...

Today is 29th February and everyone knows what that means.. a day extra in the year! .. which basically means a day more to love..a day more to have fun and.... a day more to earn!!! ching ching!!

Cheerio...

I don't know about where you come from but last I check here, first time homeowners are getting 100% Homeowner Loans for purchases of homes not costing more than RM100,000. I guess it is just the bank's way of helping clients to own their own homes.

I personally think it is a great idea. Owning your own dream house is everyone's desire. I know it's mine but sometimes raising the funds always gets in the way. The downpayment, the sales and purchase agreements fees as well the the lawyers fees can be a drain on anyone's finances and that is why a lot of people are staying away from house purchases and would rather rent.

That being said, always remember what experts say and that is to add 40% more to whatever you are paying for your rental home monthly to furnish your monthly mortgage repayment to cover insurance, maintenance expenses and even taxes. Lots of first time buyers who are too eager to own their homes forget to consider this and tend to go in debt with both the government and the banks and go under in the next two or three years because they can't afford to pay taxes and all the other miscellaneous expenses.

So, in conclusion, take advantage of the loans and get your own house but make the right choices to make sure you are able to keep your dream home.

Cheerio...

Have you noticed that nowadays captcha phrases are getting more challenging. You need to know math, spelling, even general knowledge like how many days are in April? I once got it wrong at our friendly program and I when I re-enter the code, I lost the opps! Uwahaaaaa!!!!!

So, moral of the story, get your calendar and calculator next to you as you are refreshing your page..

Good Luck!!

Cheerio...

What is the best way to increase your earnings? My answer would be get further training. In this rat race, it's always about people who has the right training for the right job and having paperwork to support your claim helps.

I attended a secretarial training school after my junior college. After an unsuccessful application to the university, I decided that I was going to get some training before I start on my career. I believe training would increase your confidence as well as give you the edge you need. However, make sure you attend courses that relate to what you want to do. So if I wanted to be a secretary then I would attend a secretarial course and if you wanted to be a plumber, then you would take up Plumbing Courses and not an Electrician one.

I really enjoyed my one year secretarial course as it gave me all the tools I would need to start on the career like typing, shorthand, business terms and secretarial practices. The lectures were fun and an eye opener as it gave me an insight in the secretarial world. I never regretted taking that course although I could have skipped it and just go to job-hunting.

So make sure you equipped yourself with the right skill and courses to optimize your potential and earnings. Good luck!

Cheerio...

I am on IT again.

Yeap, I'm on the template lookout again..lolzz. and as you can see, this is my latest find. Isn't it lovely?? It has adsense after every post, it's neat and clean and the one feature I really love is the "categories" that disappear to form a tab after the page has fully loaded. As I understand it, a first in blogger. Yes people, this blog is on its own domain but still on free hosting at blogspot. This template is from wordpress but has been made available to users from blogspot.

Yeap am a bit cheapskate in that department. I figure don't mess with something that works. Right??

My previous template

Cheerio...

Let's see.. if I had £25,500, the equivalent of RM121,595,45, what would I do? I don't even know how long it will take to raise that much money in savings and if I have that kind of discipline in the first place. So if I have that kind of money, I would be sure to use it on something that I consider would be useful in my life. Something that would enhance my quality of life.

Some people actually consider cosmetic surgery as something that would enhance their life. That is why UK Breast Enlargement surgeries have increased over the years. Some ladies who have lived with small bosom all their life opt for enlargement in hopes of becoming more feminine and desirable . And who am I say anything?

You decide on the choices you make as you have to live with those choices and if you feel that blowing your life's savings is worth on any kind of cosmetic surgery, go for it and be happy!

There's a lot you can do with money and that's one way to spend it.

Cheerio...

Hahah..I am of course referring to the exchange rate between Malaysian and the US currency. Now that I am earning in US dollars, I really won't mind if the government reverted back to that 3.8 rate..lolzzz...

I just made a withdrawal from my paypal account and guess what! The currency rate at Al-Rajhi bank was only RM3.16 to USD1.00!

Oh well.. better than nothing right?.. But I sure won't mind that 3.8 rate again...lolzzz

Oh by the way..how much are you guys getting to withdraw to Public Bank Debit card? Anyone can tell me??

Cheerio...



Related Post:
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My Official Withdrawal to my Debit Card
Paypal Money.. come to Momma!

I was watching Oprah the other day and she had a guest (Suze something) come in and talk about women and finances. She covered topics like how to get out of debts, credit card debts and in particular, mortgages and how to save up for the future. Lots of interesting questions were posed by the audience. The topic on mortgages was especially useful as I think a lot of people are confused over which mortgages to choose from. There are those with fixed interest, they are those with adjustable interest and there is even terms like negative amortization.

Suze explained their differences and advise that the best kind of mortgages to get would be the fixed interest one and to never push back your repayments so much so that you reduce your monthly installment but that the loan term increase and in the long run you pay more interest.

Honestly, I am not a homeowner but listening to her makes me more wary of owning a home. What she said really kicked in that you might think that if you pay rental of say $800 monthly, you may very well purchase your own home and pay the same amount but what we neglect to remember is that, that amount would probably be 40% percent more when you think about the yearly property tax and the maintenance fee.

Something to think about eh??

Cheerio...

I received an email yesterday from Nuffnaggs letting members know of the crash of one of their hard disk's server. So don't panic if you do not see any ads these few days ok.... Here's the email from them...

Dear Nuffnangers,

At about 12.00PM today on the 19th of February 2008, the hard disk for one of our servers crashed resulting in server downtime and some loss of data.
The good news is that our team has taken necessary precautions for uncertainties like this and have backed up whatever data we had.
We are in the midst of restoring our servers and getting them up and running again so please bear with us for these few hours where our site will be down.

It's hard to place an exact timeline on when everything will be back to normal again but if everything goes as planned, everything should be up and running by 6.00PM today.

Until then, your blog will load just fine as normal but with all the Nuffnang ad units minimized or hidden.

Cheerio...

One of the things missing from my home office are lamps. For some reason, when I set up the room, I thought I only needed one main light fixture and that is like way up there on the ceiling. So when darkness hits or even why it just raining, the room gets really dark and when I am working or reading, I really need to adjust my sitting so that my reading materials don't fall on any shadows.

This weekend I would probably get hubby to shop with me for some table lamps or desk lamps. I know what kind I want as I stumbled upon this site and gotten a look at some beautiful lamps to consider.

Come on love, I need lamps to write those post for my blogs...lolzz

Cheerio...

Remember when your blog had to be 90 days old and you had to have 20 posts to qualify for payperpost dot com. Well, that's a thing of the past. Now your blog need only to be 30 days old with only 10 post which means you can make money the second month you're blogging.

So what are you waiting for. Come on and join me..I know you want to click on that banner. lolzz

Oh there is also a new program out in the big WWW. It's called Buy Blog Reviews. Similar to Sponsored Reviews, you have to bid for your assignments. Check it out and let me know what you think..

Happy Blogging!!...

My blogging was interrupted by a loud knock on my door today. It seems the elevator on the 11th floor of my condo building had caught fire and my neighbour who got to know about it was informing everyone by knocking on our doors. Luckily for me, nothing happened and since my hubby was away, it would have been a real adventure to carry down the six kitties we have at home down the flights of stairs (I live on the 10th floor mind you)

Whew.. disaster averted!

Cheerio...

I have so many blogs it is actually scaring me. And guess what?! I just got another domain name as well. I was pacing up and down all last week on whether to get the domain or not and finally I gave in. I bought it. I still don't know what to do with it so right now, it's now parking.

Hmm.. one blog too many you think??...lolzz

Cheerio...

If you are an avid fan of Marketing Pond,like I am, don't forget to sign up for the new programs that they are are promoting.

1. Sebasbux offers $0.01 for you and your referral clicks. Cashout is at $10 via paypal
   
   
2. Click ads and play flash games and earn while doing it at Adverbux. Payout is by AlertPay and Egold at USD10 and for get paid for your referrals action as set out below:

• For View Ads, you get 100% of the money your referrals make.
• For Action Ads, you earn $.02 for each ad your referrals complete.
• For Offers, you earn 10% for each offer your referrals complete.
  

For you guys who is not on Marketing Pond, isn't it time you get on the best referral downline builder around and get the best recommendation to earn online? Check it out won't you. You don't have anything to lose and everything to gain :-)

Cheerio...

I just realised this template is not really adsense friendly. There's supposed to be adsense between each post and I just noticed there's none. The adsense that is see currently is from my RSS feedburner code.. hmm looks like i'm on the lookout for a new template once again. Fun!!!!

Cheerio...

According to the Chinese horoscope, a Rooster, me, in the Rat year, which is this year is the time to save and not splurge. I wonder if that means I'm in for some financial difficulties. Hmm lucky I'm not superstitious otherwise, I'll be really upset at this news.. Oh well, in one ear, out the other!

Cheerio...

Last year was a fantastic year. I started blogging for fun, make friends and to my surprise, made money as well! It is the most awesome way to earn I tell you. I blogged from home in my jammies anytime I feel like it. No transport problem, no crowds and best of all, no boss! I blog when I want and where I want! Kewl!

Anyway, I guess I need to do something with all these cash. I bought me a laptop early next month. I blogged it at my other blog. And now I figured it would be nice to bring hubby for a short break especially after this big project that he's working on. So I'm doing some research now as to where to go and what kind of expenses will be incurred.

I chanced upon this website that offered great accommodation at economical prices. I've always fancied going to the romantic Spain, I let my fingers do the walking and I found some great deals at Costa Brava Hotels, Costa Del Sol Hotels, Benidorm Hotels, Alicante Hotels and Barcelona Las Ramblas Hotels.

So now all I have to do find some economical flights, put all these information together and present to it to hubby and see what he says. Wish me luck!

Cheerio...

Cheerio...

I just sign up to a new program that let's me earn everytime a visitor searches from my site using my special link. GeoPpc affiliates receive 70% of what advertisers pay GeoPpc per each click. And you are paid 5% of all earnings from accounts that are referred by you and are subsequently accepted into our affiliate network.

All you need to do after signing up and your account being approved, is just placed the search bar and earn! This is a relatively new program so now is the time to strike when the iron is still hot! So join me won't you :)

Cheerio...