Credit card usage

Credit card usage..... hmmm...... I open this for discussion. Well, some of the ppl think using credit is very dangerous... cos as if using future money... which I think is true. U are not paying the goodies u buying instantly. U can defer ur payment til one mth earlier, or even if u are very good, u can manage in such a way tat u only need to make the payment one and half mth later...... but, how sure are u tat u will have the amt of money to repay when the time comes?? This is rather dangerous. Most of my fren, I heard, really "overuse" their credit card and they are actually in net liability position. Have a some of money in fixed deposit and on the other hand, having a debt under credit card....... but, do u know that credit card interest is actually higher than fixed deposit interest?? ...... so please amke sure, u withdraw ur fixed deposit money to repay ur credit card debt if there is any......

For me, I use credit card for insurance, hand phone charges and also petrol... I think this is good enough..... recently, one of my credit card point reaches 29,000 points..... hmmm..... i am thinking of wat gifts to redeem la...... actually credit card gift are real hard to redeem...... need lots of point. My point now is not too much, but not too less..... but i still need about 7,000 points... hahah thinking of redeem Philips Micro Hifi Player.... with RM393 + 36,000 points..... u think worth ma???

Friend....

I don't know if you ever face such a prob.... when u have a close fren, u tend to share everything with him/her..... u will sms him/her everyday, though u guys are working in the same company and seeing each other daily..... cos u have just too much to share...... too much thoughts in common..... However, u will feel tat there is a period, when u guys start to feel the distance..... no longer so close... no more sms, hardly talk, harly share thoughts.... even in MSN, when u see each other, nothing to talk......

When this condition arise, no worries..... just voice up.... just be open and talk to ur fren again.... this is wat i did! I actually tell my fren I felt the distance... and my fren agreed too!.... then we start to think back wat happened... and we both agreed tat, though we hardly talk to each other, we are still very very good fren... and still have many thoughts in common..... Guess wat?? after we sopke with open heart, we managed to turn back to good fren. We even date each other out to talk heart to heart with a jug of beer! I really thank God for my courage to brought the issue up! I regain back a good and wonderful fren!

WHPH

Wat is WHPH?, well, if u talk to ppl working in my company, they will definitely know. It stands for WORK HARD PLAY HARD....


well, my company really promoting work life balance..... so Company is giving us half day off to do some team building activities every 3rd Friday of the month...., isn't it good?? Normally, there are team/dept who organise activities during this WHPH afternoon....Last time, whenever I see other department colleague go to join the activities, I would be sad seeing myself staying back to do work...... so sad...... this year, maybe cos most of my colleague are young and energetic, I always follow them to the activities.... and i found it real happy to have some fun and games.... even if we have to go back to office to work (not a must, but its up to individual work load) you will feel very fun and relax.... hahah..... Let see, i have actually attended 2 WHPH activities so far... one in May and another one was last Fri (June WHPH).... hehhehe May one was dodge ball.... quite a fun one... but last friday one was just great. We had this treasure hunt...... sweating and fun.... hahha then we have this kind of give us a clue.... hahha... u really cannot imagine how can an gesture of an elephant, spiderman, ice cream, ear mask, baseball can pass down to be different thing.... i really laughed my head off man.... hahhaha....