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Payday!

February 10th, 2008

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My heart pours for those that are in need..And i wish the world to be much better place to live in …for Abby..every mother would want to see her child grow beautifully.

I went for a business trip to a rural village recently and the families can barely feed themselves yet they have 5-8 children(plus babies) in a family…poor family planning?ignorance to contraceptive?lack of education?

I refuse to critisize as i also see the simplicity of life through their eyes…The father and mother work for daily wages and theyvalue family more than wealth.Health would be at negligence but its nothing compared to their ‘family-ness’…

Some even take payday loan to fend their daily expenses for meals and schools…they self-sustained by planting their own vegetables and having poultry….and somehow,they prefer to pawn their gold belongings(if any) just to have a decent celebration.They take a liking to payday loans…which is their saviour in times of needs …It is sad…..

Sad …as i look around as here i am complaining on wanting more…when they are living in such simplicity…..when out tax money is going to building higher /taller buildings,longer and bigger highways and helping other poorer nations when there are so many at ‘home’ that needs help…

The world has changed…and its the FACT OF LIFE..

 

Debt consolidation

February 10th, 2008

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I had a discussion with my hubby last 2 days regarding our 2008 financial outlook..Hahhaha…my friends would say that i am paranoid but it is rather improtant as Abby would incur additional expenses to our household as she grows older and Malaysia’s inflation is rising incredibly(although certain parties would deny) which is reflected in essential goods prices escalating…:(

Bills…bills…bills….We have a local debt advisory board which could offer more creative solution but i guess it would take years…..In the States,my cousing via e-mail mentioned that debt consolidation is a taken seriously by many and the offers and options available really saves you the MONEY!!!

Debt consolidation agencies will help to calculate your debt and provide an outlook on how to consolidate the loans,creadit cards and other outstanding debts ….they normally provide debt settlement proposals which means you save on interest paid.

These debt consolidation loan offered means you take a loan of an amount to cover all your outstanding loan at a much much lower or reduced interest rate……I personally like this idea as the money saved can be invested in your childrens trust funds or even for pension funds.

Lucky for me,My hubby who is a financial planner would have to figure this out….for us…i know it is not an easy task for any couples to sit and really get down to it.But at the end of the day;it IS IMPORTANT to plan and execute…wise financial planning-they call it:)

I guess it would mean we should find how my hubby and i can consolidate our debts in a more efficient way to save on interest rates and benefit from money which can actually be saved! and utilise in a smarter and more effective way!:) Which can generate more money!”)

Que Sera Sera..whatever will be,will be

February 10th, 2008

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Que Sera Sera,What ever will be,will be

The future is not ours to see

Que Sera sera,what will be ,will beeeeeeeeee……

 

I used to sing that back when i was having 2 pony tails and playing learning my ABCs…that rhyme would linger everytime i had my daydreamimg…or wanting a bungalow with a pool,3 sport cars,a beautiful family and millions in the bank:)

My niece celebrated her 13th birthday last Sat and she demanded her mother for a ’spectacular surprise’ for herher GYPSy themed party….children nowadays are so demanding!!!So my sis actually hired a lady to do some Tarot readings with cards:)Cheesy but hey,it was fun…I hated the idea of believing in something so mystical but hey,what the heck!No harm in trying the Tarot reading:)

There was a long que of ‘frenzy’ girls at the party but after the party;i had Mdm Zarra consulting me on a few readings…she was a nice Caucasian lady….Well,we were about to start when she received a call informing her that her ‘her ride’ was here as her ‘paid time’ was up….There i was ..and i guess she didnt want to leave me hanging;she actually recommended me an on-line site on Tarot readings which she said i should try.

The Tarot-at-home site was actually interesting as i could do it at my own leisure at a very affordable price.The readinga are done by a psyhic Mdm Charmaine whom hails from South Africa.It offers 3 varieties of Tarot Readings;-

1.Past,Present and Future Reading

-insights of time and events of your personal life

2.Heart’s Desire Tarot Reading

-about partnership,friendship and relationship…you can even draw out cards for those parties involved should there be 2 or 3 involved

3.Celtic Cross Reading

- touches on hopes,dreams and fears

The services are tailored to individual and i like it as i can do it from home!

Adventure……and temptation of the knowing the future……

Good luck:)

 

February 2008
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