Do you know of anyone who has bad credit rating? I do. This person can't apply for any loans including a car loan, credit cards and even a telephone line. Everything becomes difficult for him as he's got to get his wife to do all the registrations in her name. And as his wife is not earning much, he encountered more problems with meeting certain salary requirements etc. Life gets stumped.
Unfortunately in Malaysia, we don't have a great resource site like badcreditoffers dot com that list all the companies that still accept application from members of the public that has bad credit. I mean, who would have thought that there are still companies out there that would offer credit cards and house loans to such individuals. Everyone makes mistakes and deserve a second chance right?
Anyway, if you are one of these individuals, do check out the website. Who knows? You might get that second chance :-)
Cheerio...
Too many people are nowadays getting in debt. Although most do not do it intentionally, they are those that are just too careless with their expenses and fail to realize that their financial situation may just change overnight. Before they know it, they are swimming in debt and close to bankruptcy.
The best way I found to stay out of debt is to avoid using the credit card no matter how tempting it is. Leave it at home or don't even have one. I know of some people that use the credit card to "roll" their money. They usually land in much bigger holes than what they are already in simply because credit card interest does accumulate. I'm no angel and I do use the credit card sometimes but in my case it is more of an easier way to pay and I always make sure I pay all my balance monthly sometimes not even waiting for the statement to arrive..lolzz
However, if you are trapped into a debt situation, use some of the Debt Management Plans that are available easily now like IVA. To find out more details of IVA, please go to their website at cleardebt.co.uk for more details
This program could very well save you from going bankrupt.
Good Luck...
I just came across this cool gadget called Temperature@lert. What basically this gadget do is monitor the temperature of my pc or notebook so that I know when it is time to switch it off unless I want my system to overheat.
My notebook, Miss Fly, is practically running 24/7 so this gadget would really come in handy. It connects via USB so it is really convenient. I love my notebook and I would hate it if only after three shorts months it burned out or something simply because I did not take good care of it.
Anyway, here's the press release on the product so perhaps you like to check out their website to see what this gadget is all about.Press Release:
SPECpower_ssj2008 is the latest installment of an IT industry benchmark evaluates the power and performance characteristics in larger volume server class computers. It was created out of a need to monitor and regroup energy use from the IT industry and computer manufactures around the world.
SPECpower_ssj2008 does not only measure AC power from the source but it delivers a calibrated matrix for all computer functions including ambient temperature. There are two temperature measuring tools that are compatible with SPECpower_ssj2008 and the only one with support for 64-bit drivers is Temperarture@lert.
With the combination of the SPECpower_ssj2008 and Temperature@lert system administrators can run both temperature and power controls. The SPECpower_ssj2008 measures power for the AC input and combines the implementation to a performance metric. This provides pertinent information about what power considerations are made when considering which data center. Coupled with Temperature@lert, the power and temperature gradient works in symbiotic form to provide the best accuracy available in the IT industry.
We'd like to extend a special thanks to Greg D. and his team at Dell Inc. whose deep knowledge and expertise made this possible.
For more information about SPECpower_ssj2008 visit: http://www.spec.org/power_ssj2008/
Cheerio...
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Someone just told me about her real life experience with Mortgages. And let me I tell you it was one scary one.
This person has got one mortgage on her house. She missed out on a few payments now and then but never really made it to bad credit status or anything like that. Now her kids needed money to set up a business and the only asset that is worth anything is her house. So to help her children, she agreed to put up her house for a second mortgage. Not really knowing how much she have repaid or not paid up, they approached another bank that did all the paperwork for the transfers and thought that they would walk away with around RM100,000 in cash. What happened next was a real shocker to all of them.
It seems now, not only are they NOT walking away with the money, their repayment each month is now a whopping $7,000! They initially blamed the lawyers because they thought the lawyers have cheated them by charging a exorbitant lawyers fee but after further clarification from the bank, they understood that whatever they made was paid up to the other bank for default in some of the back payments.
Talk about shocked to the core. So moral of the story here.. get in control of your finances or else you pay the price when you least expect it!
Cheerio...
Hmm.. I guess I'm on the lookout for another template soon... heheh.. what fun!...lolzzz
Cheerio...
Cheerio...
Related Post: An Easy $20!
How it works it:
- Read the instruction to be found in the widget
- Enter your email address
- Copy the code into your blog entry
- Write your blog entry in full
- Wait for an email that confirmed your submission
- Wait for an email that confirmed that your entry has been included into the conversation
- Get Paid
Cheerio...
PS: I will post payout proof as soon as I receive payment via paypal.
So Happy Voting Malaysia. Make it count!
I was watching Desperate Housewives the other day and I saw one of the characters on the show had this very beautiful mailbox. It's like a house and the roof opens to the mailbox inside. So cool as it really adds character to the front of the house.
As I will be moving soon, I've looking to make the exterior of my house as nice and cozy and the interior so I am looking and I figured the first thing visitors see when they look at your house is the address plaques. I saw some nice ones at a site I stumbled today and feel in love with a few beautiful ones already. So I'm for some online shopping now. Excuse me ok...
Cheerio...
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Wohoo feels good to be back!!
I've always been a strong believer of insurance. When I was growing up, my father started an insurance policy for me with the intention of letting me continue the policy when I started working. It was an endowment policy so after it matured, I would be able to collect a lump sum.
He also took up a policy for himself. He was already 45 years old at that time. He had no chronic disease so the premium was really affordable. It was also an endowment policy which would mature when he was 55. This was inline with his retirement funds coming out. He said it was a force savings as that time he was a hawker and had not contributed to the provident fund.
Unfortunately he passed away at age fifty. He was unable to enjoy the maturity of the policy but what I can tell you is, the money really help mommy during that difficult period. I had just started working and and finances was bad so that money really helped us settled down in the interim.So you see how I strongly believe in insurance.
Any insurance is important for that matter. However I think some people must really hate having one because there are so many people out there who are driving around without any Car Insurance. I mean accidents can happen anywhere and anytime. What would happen if you are involve in one right??
Whatever it is, love them, hate them. Be a responsible person and do the right thing.
Cheerio...
Whatever it is I will be back tomorrow so watch out blogging world.. here I come again...heheheh..
So did you miss me???
Bad credit can happen to the best of us. One minute you are earning top notch income, the next you are unemployed and before you know it, you are way over your head in credit card debts, overdue mortgages and even car loan.
Well fret not, there's a site that offers you all the resources you need to find out listings of companies like credit cards for bad credit clients and listing of financial institution that will still offer you loans to get you back on the right track. With proper financial management, you might just get yourself of that bad credit situation.
Cheerio...
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So for you MBL fans, why not get your new widget and replace the old boring old, and while you're there, don't forget to verify your sites as well..ok??
Have a great weekend all!!
Cheerio...
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