PETALING JAYA: From Tuesday, credit card holders who make the minimum or partial repayment on their outstanding amount monthly would no longer enjoy the 20-day interest-free period for new retail transactions.
Those who settle their credit card outstanding amount in full every month will continue to be granted the interest-free period.
Bank Negara confirmed that the ruling took effect Tuesday as part of its effort to promote the use of credit cards as a payment instrument, and to encourage prudent spending and good financial discipline.
A year ago, Bank Negara took the initial step, announcing a new interest rate scheme for credit card users. Credit card issuers then began tracking the repayment behaviour of their cardholders from July 1 last year.
In a statement Tuesday Bank Negara said: “More than half the cardholders pay at least the minimum amount due and roll over the remaining balance.” For credit card users with a good record of settling their credit card balances due each month promptly for 12 consecutive months, the finance charge will be reduced from the maximum of 18% a year to not more than 15%, it added.
As at the end of last year, one third of the 2.7 million credit card holders in the country settled their outstanding amount in full every month. Bank Negara said banks and credit card issuers had already begun notifying their customers on the matter.
A spokesman for Public Bank Bhd said the bank had notified its credit card holders on the scheme in June and July last year and again in April, this year.
“We gave them ample notice because we needed to track their 12-month repayment behaviour history,” she said, adding that the bank had 900,000 credit card holders.
An anniversary (from the Latinanniversarius, from the words for year and to turn, meaning (re)turning yearly; known in English since c. 1230) is a day that commemorates and/or celebrates a past event that occurred on the same day of the year as the initial event. For example, the first event is the initial occurrence or, if planned, the inaugural of the event. One year later would be the first anniversary of that event.
A Professor stood before his philosophy class and had some items in front of him. When the class began, wordlessly, he picked up a very large and empty mayonnaise jar and proceeded to fill it with golf balls. He then asked the students if the jar was full. They agreed that it was.
So the Professor then picked up a box of pebbles and poured them into the jar. He shook the jar lightly. The pebbles rolled into the open areas between the golf balls. He then asked the students again if the jar was full. They agreed it was.
The Professor next picked up a box of sand and poured it into the jar. Of course, the sand filled up everything else. He asked once more if the jar was full. The students responded with an unanimous "Yes."
The Professor then produced two cans of beer from under the table and poured the entire contents into the jar, effectively filling the empty space between the sand. The students laughed.
"Now," said the Professor, as the laughter subsided, "I want you to recognize that this jar represents your life.
The golf balls are the important things - your family, your children, your health, your friends, your favorite passions - things that if everything else was lost and only they remained, your life would still be full.
The pebbles are the other things that matter like your job, your house, your car. The sand is everything else - the small stuff."
"If you put the sand into the jar first", he continued, "there is no room for the pebbles or the golf balls. The same goes for life. If you spend all your time and energy on the small stuff, you will never have room for the things that are important to you. Pay attention to the things that are critical to your happiness. Play with your children. Take time to get medical checkups. Take your partner out to dinner. Play another 18. There will always be time to clean the house, and fix the disposal. Take care of the golf balls first, the things that really matter. Set your priorities. The rest is just sand."
When he had finished, there was a profound silence. Then one of the students raised her hand and with a puzzled expression, inquired what the beer represented.
The Professor smiled. "I'm glad you asked. It just goes to show you that no matter how full your life may seem, there's always room for a couple of beers."
Lesson: When things in your life seem almost to much to handle, when 24 hours in a day are not enough, remember the mayonnaise jar......and the beer.
There was once a stonecutter who was dissatisfied with himself and with his position in life. One day, he passed a wealthy merchant's house and through the open gateway saw many fine possessions and important visitors. "How powerful that merchant must be!" thought the stonecutter. He became very envious, and wished that he could be like the merchant. Then he would no longer have to live the life of a mere stonecutter. To his great surprise, he suddenly became the merchant, enjoying more luxuries and power than he had ever dreamed of, envied and detested by those less wealthy than himself. But soon a high official passed by, carried in a sedan chair, accompanied by attendants, and escorted by soldiers beating gongs. Everyone, no matter how wealthy, had to bow low before the procession. "How powerful that official is!" he thought. "I wish that I could be a high official!" Then he became the high official, carried everywhere in his embroidered sedan chair, feared and hated by the people all around, who had to bow down before him as he passed. It was a hot summer day, and the official felt very uncomfortable in the sticky sedan chair. He looked up at the sun. It shone proudly in the sky, unaffected by his presence. "How powerful the sun is!" he thought. "I wish that I could be the sun!" Then he became the sun, shining fiercely down on everyone, scorching the fields, cursed by the farmers and labourers. But a huge black cloud moved between him and the earth, so that his light could no longer shine on everything below. "How powerful that storm cloud is!" he thought. "I wish that I could be a cloud!" Then he became the cloud, flooding the fields and villages, shouted at by everyone. But soon he found that he was being pushed away by some great force, and realized that it was the wind. "How powerful it is!" he thought. "I wish that I could be the wind!" Then he became the wind, blowing tiles off the roofs of houses, uprooting trees, hated and feared by all below him. But after a while, he ran up against something that would not move, no matter how forcefully he blew against it -- a huge, towering stone. "How powerful that stone is!" he thought. "I wish that I could be a stone!" Then he became the stone, more powerful than anything else on earth. But as he stood there, he heard the sound of a hammer pounding a chisel into the solid rock and felt himself being changed. "What could be more powerful than I, the stone?" he thought. He looked down and saw far below him the figure of a stonecutter. Lesson: We don't know the extent of our own personal power. And, sometimes, the most insignificant seeming people among us are those most able to effect great change.
The first seed said, "I want to grow! I want to send my roots deep into the soil beneath me, and thrust my sprouts through the earth's crust above me ... I want to unfurl my tender buds like banners to announce the arrival of spring ... I want to feel the warmth of the sun on my face and the blessing of the morning dew on my petals!"
And so she grew...
The second seed said, "Hmmmm. If I send my roots into the ground below, I don't know what I will encounter in the dark. If I push my way through the hard soil above me I may damage my delicate sprouts ... what if I let my buds open and a snail tries to eat them? And if I were to open my blossoms, a small child may pull me from the ground. No, it is much better for me to wait until it is safe."
And so she waited...
A yard hen scratching around in the early spring ground for food found the waiting seed and promptly ate it.
One day, the farmer's horse ran away, and all the neighbors gathered in the evening and said ‘that’s too bad.’
He said ‘maybe.’
Next day, the horse came back and brought with it seven wild horses. ‘Wow!’ they said, ‘Aren’t you lucky!’
He said ‘maybe.’
The next day, his son grappled with one of these wild horses and tried to break it in, and he got thrown and broke his leg. And all the neighbors said ‘oh, that’s too bad that your son broke his leg.’
He said, ‘maybe.’
The next day, the conscription officers came around, gathering young men for the army, and they rejected his son because he had a broken leg. And the visitors all came around and said ‘Isn’t that great! Your son got out.’
He said, ‘maybe.’
Lesson: you never really know in which direction progress lies. Life unfolds not always as we expect it to.
Once upon a time, there was a very strong man. He asked for a job from a timber merchant and he got it. The pay was really good and so were the work conditions. For that reason, the man was determined to do his best. His boss gave him an axe and showed him the area where he is supposed to work.
The first day, he brought down 18 trees. The Boss was very much impressed and said, “Congratulations Go on that way! Very motivated by the words of the boss, he tried harder the next day, but only could bring down 15 trees. The third day he tried even harder, but he could only bring down 10 trees.
Day after day he was bringing down less and less trees. “I must be losing my strength”, he thought to himself. He went to the Boss and apologized, saying that he could not understand what was going on. “When was the last time you sharpened your axe?” the boss asked. “Sharpen? I had no time to sharpen my axe. I have been busy cutting trees.
The moral of this story:
Our lives are like that. We sometimes get so busy that we don’t take time to sharpen the axe. In today’s world, it seems that everyone is busier than ever, but less happy than ever. Why is that? Could it be that we have forgotten how to stay sharp? There’s nothing wrong with activity and hard work. But we should not get so busy and neglect the truly important things in life, like our personal life, taking time to care for others, taking time to read etc.
We all need time to relax, to think and meditate, to learn and grow. If you don’t take the time to sharpen the axe, we will become dull and lose our effectiveness. So, start from today, think about the ways by which you could do your job more effectively and add a lot of value to it.
1) 24" LCD monitor with HDMI capability (maybe a 22" Samsung 2253BW will do if the 24" too expensive) Ended up getting a 22" 2232BW instead cause my wife loves the design... and I'm beginning to like it as well.
2) PNY Micro Attache 8GB Flash Drive (similiar to the picture below but with bigger capacity)
3) Mushkin DDr2-6400 1GB ram (additional to my current 2GB system) Placed order for 2 X 2GB Crucial Ballistix Tracer DDR2-6400 * I still think 32bit software is more stable and has more support than 64bit. Ok, ok... maybe 64 bit could be better in the sense that it will provide me with more precious RAM.
It is just so wrong on so many levels naming your company's toy mascot after a favourite word Ah Bengs use to scold people. I wanna try to make a joke out of it, but I think I'll just take the classy road and stay quiet.
I only have one question though.
If the name of that little pig is called PUKI, does that mean his mother is called PUKIMA?
Sony’s latest Cyber-shot T2 has an internal memory capacity of 4GB and a large 2.7” LCD screen to share photos, available in five different colours. The latest addition to the Cyber-shot T series is the new Cyber-shot T2, available in five funky colours of black, blue, green, pink and white. With a generous built-in memory capacity of 4GB, the new 8.1 mega-pixel Cyber-shot T2 stores more than 40,000 photos without any memory expansion. This means photos of many occasions can be saved in the camera without transferring them to the PC. On the other hand, photos that are stored in the PC can be transferred to the Cyber-shot T2 to bring along and to share with friends, just like a digital photo album. Bundled with the easy-to-use Sharemark software, one can easily upload photos to popular sites like Blogger and YouTube once the camera is connected to a PC online. The Cyber-shot T2 also offers a scrapbook function to create themes and frames on photos for fun sharing. With the PhotoTV HD feature, the Cyber-shot T2 allows high-definition photos to be viewed in more details on full HD and HD-ready televisions.
Sony Ericsson has announces that its latest Walkman and Cyber-shot phones, the W910 and the K850, will be available in stores across selected markets from this month. Both new phones boast Turbo-3G speeds (HSDPA) for fast download of music and other content and come packed with unique features. The W910 Walkman phone is designed for entertainment; whether music, 3D games, video, or high-speed Web access. It’s also geared to let you choose your music, your way. Select Shake control and just flick the phone to control games or skip and shuffle between music tracks. Or opt for SensMe and discover music to match your mood and tempo.
The K850 Cyber-shot on the other hand is a phone equipped with a 5 megapixel camera with auto focus, Xenon flash and Video Light that together help produce true digital camera results. Photo Fix automatically improves light balance in one click to make your picture as good as it can get. When taking a picture of a moving object, for example at a sports event, you can select BestPic and take nine pictures in one burst. Then simply choose the best and delete the rest.
Seriously this gotta be the best mod ever... well, at least for now. Just look at the details and if you really wanna know, it takes 14 months to complete this one.
Area :36,000 square kilometers Population: 23 million Capital : Taipei City Language : Mandarin/Taiwanese/Hakka/Indigenous Languages Religion : Buddhism/Taoism/Christian/Islam/Catholicism
Taiwan's total land area is only about 3,6000 square kilometers; it is shaped like a tobacco leaf that is narrow at both ends. It lies off the southeastern coast of mainland Asia, across the Taiwan Straits from Mainland China-- a solitary island on the western edge of the Pacific Ocean. To the north lies Japan and Okinawa, to the south is the Philippines. Many airlines fly to Taiwan, helping make it the perfect travel destination. Taiwan lies on the western edge of the Pacific "rim of fire," and continuous tectonic movements have created majestic peaks, rolling hills and plains, basins, coastlines, and other wonders. Taiwan sees climates of many types: tropical, sub-tropical, and temperate, providing clear differentiation between the different seasons. There are about 18,400 species of wildlife on the island, with more than 20% belonging to rare or endangered species; among these are the land-locked salmon, Taiwan mountain goat, Formosan rock monkey, Formosan black bear, blue magpie, Mikado pheasant, Hsuehshan grass lizard, and many more. The government has established 6 national parks and 13 national scenic areas to preserve Taiwan's best natural ecological environment and cultural sites. Take in the splendor and sheer heights of the cliffs at Taroko Gorge; take a ride on the Alishan train--one of only three mountain railways in the world--and experience the breathtaking sunset and sea of clouds; hike up to the summit of Northeast Asia's highest peak, Jade Mountain. You can also soak up the sun in Kending, Asia's version of Hawaii; stand at the edge of Sun Moon Lake; traipse through the East Rift Valley; or visit the offshore islands of Kinmen and Penghu. It's fun in capital letters as well as an awesome journey of natural discovery! The cultural aspects also not to be missed. The blending of Hakka, Taiwanese, and mainland Chinese cultures has produced a rich plethora of cultural and social color. Whether it is religion, architecture, language, living habits, or food, it's just one big exciting melting pot! Food is the best representative of this cultural mixing and matching. Aside from cuisines from different parts of the mainland such as Zhejiang, Hunan, Guangdong, Yunnan, Shanghai, Beijing, Sichuan, and others, there is also the local Taiwanese cuisine as well as the local delicacies of each area.
The last i could recall it was weeks or even months until our wedding... but now it's only 5 days left. Time flies. The biggest day of my life up to this point of time. In my heart, I'm excited. In my mind, I'm nervous. Who wouldn't, right? I'm just speechless.
Neat... on the rock... with coke? I guess people changes. Now whisky is more enjoyable by all generations, not limited to middle age group who used to drink it neat or on the rock. Majority are drinking it with coke or the latest I heard, green tea. It is nice.. I tried it many times before. After glasses of whisky, including shots... have you ever told someone who mixed it with skyjuice, coke or green tea "It took them 12 years to take the water out from it, but it only takes you few seconds to add in the water"? I've seen many types of whisky on the market. Some are just a smart marketing strategies, some are very useful information to hardcore drinkers out there. Single malt, small batch, single barrel... the list goes on. I having one glass of whisky right now and it tastes real good. Why? Cause I mixed it with coke :-P Whatever it is, go and have a glass of whisky... life still goes on although you can never get the same mix that you had in the past.
Yeap.. bla bla bla bla... after rounds and rounds of sake. Never underestimate the power of kamikaze pilot. In this case... the kamikaze drinker. Gd nite.
Yea here we go for the hundredth time, Hand grenade pins in every line, Throw 'em up and let something shine. Going out of my fucking mind. Filthy mouth, no excuse. Find a new place to hang this noose. String me up from atop these roofs. Knot it tight so I won't get loose. Truth is you can stop and stare, Run myself out and no one cares. Dug a trench out, laid down there With a shovel up out to reach somewhere. Yea someone pour it in, Make it a dirt dance floor again. Say your prayers and stomp it out, When they bring that chorus in.
I bleed it out, Digging deeper just to throw it away. I bleed it out, Digging deeper just to throw it away. I bleed it out, Digging deeper just to throw it away, Just to throw it away, Just to throw it away.
I bleed it out. Go, stop the show. Chop your words in a sloppy flow. Shotgun I pump, lock and load, Cock it back and then watch it go. Mama help me, I've been cursed, Death is rolling in every verse. Candypaint on his brand new hearse. Can't contain him, he knows he works. I hope this hurts, I won't mind. Doesn't matter how hard I try.
Half the words don't mean a thing, And I know that I won't be satisfied. So why, try ignoring him. Make your dirt dance floor again. Say your prayers and stomp it out, When they bring that chorus in.
I bleed it out, Digging deeper just to throw it away. I bleed it out, Digging deeper just to throw it away. I bleed it out, Digging deeper just to throw it away, Just to throw it away, Just to throw it away.
I bleed it out. I've opened up these skies, I'll make you face this. I pulled myself so far, I'll make you face this now.
I bleed it out, Digging deeper just to throw it away. I bleed it out, Digging deeper just to throw it away. I bleed it out, Digging deeper just to throw it away, Just to throw it away, Just to throw it away.
I bleed it out, Digging deeper just to throw it away. I bleed it out, Digging deeper just to throw it away. I bleed it out, Digging deeper just to throw it away, Just to throw it away, Just to throw it away.
Microsoft never stops at introducing new version of their popular Office. Right here is the Office Excel 2007. Pretty cool, huh? What I can do with it? Manage to draw a map from Summit, USJ to my home with it and it sure looks damn farking good too compare to previous release version of Office. Mind you... I'm not promoting Office 2007 here. I'm just damn blardy satisfied with what it can do. Yea... just glad I didn't waste 2 hours of electricity charges while waiting for it to cook up a brand new recipe on my PC.
Fancy a "Stella Artois" ? Whatever that means... it sure tastes good for imported lager. Cheers! Today is a good day I suppose but it is not. It's could be worse but hey, who am I to complain... I'm just another slave @ dot.com. Everything suppose to be alrite but it is not. Everything suppose to be in place but it's everywhere but the place it suppose to be.
One thing for sure... listening to Linkin Park latest album "Minutes to Midnight" isn't helping the whole situation at all.
One thing never fails to set the mood right... a pint of Guinness. Whoa... I'm not blogging this at a bar @ Laundry (tho' I wish 2 someday). That reminds me... I was at Laundry the other day with my colleague. Something caught my attention at 3 o'clock. I turned my head slowly and there it was.. an OL* was sitting at the bar while her finger was lingering all over that smooth silky like surface while chatting with her friend and sipping her beer. Sometimes she would just giving it a little massage by tapping her fingertips on the larger matte surface. Her friend was obviously busy starring with full interest on what was the outcome of the OL* actions.
I guess that's what busy people like OL* & her friend would do, even at a bar like Laundry. What the heck... it's dinner time. It's not even dark yet. In the end... it's alrite I guess.
As for me, I'm busy poking on my soft touchy sexy companion, dressed in black... my O2 Atom.
* Office Lady (mind u, it only applies to any lady between 21 to 35... well, it depends on how young she looks at her age)
