2010's Today

Happy birthday to me, happy birthday to me... happy birthday to meeeeeee, happy birthday to me :)

Hello

Just read that STP's blog posting had reached 1k. Good and congratulation to Mr Wee for his work-well-done :)

Also, hopefully everything will be OK for me.. and i want to own an iPhone 4...

Holiday

wooooo.. am off again.....

hopefully 1-6-5 will do more goodie to me.................... i'll give flowers to u :)

Hello

dear dear went to Miri..... quarrel with her for two nites in a row :(

but luckily, she still smiles to me :)

ahrrrrrrrrrrrrrrrrrrrrrrr.............. when is 6796 is going to show again,, hopefully tomorrow nite can strike 1st prize.. :)

Going to Tatau tomorrow also..

God Bless Me and My Family and to all the people outside there.................

I LOVE YOU DEAR.

Price Gone Up

Am reading it everywhere and everyone is talking about petrol. Actually it's 5sen difference, so nothing much to yell about. But hopefully economy will become better...

cheers :)

And hope my economy will become better tooooooooooooooooo

1.6.5

Don't know what to post

haha.... title says it all.... good luck to me :)

Hello

Hi.. and good night..

have not been a good times :)

Hopefully everything will be settled soon :)

Short Post

My dear went to Kuching again... will be back this coming Thursday...

I wan to kena lttery!!!!!!!!!!!!!!!!!

Happy Happy

haha...... good 2725 :)

I am going to get more tonight......... thank you 1-6-5

Hi and good nite

hahahaha.. short post today :)

Hello

Hi.. just back from Kuching this morning and spent my week there........ :)

Greetings!

Happy Chinese New Year and Happy Valentine's Day!

Best wishes from David Wong & Family to my readers and families members.. :)

FATT CHOI!!!!!!!

The dark secrets of debit

Why do banks push debit cards for every purchase you make? Because they stand to make millions—largely at your expense

Last reviewed: July 2009

Quietly but surely, a revolution is under way in how we pay for everything from a cup of coffee to our monthly electric bill. Continuing a climb that started a decade ago, debit cards are now preferred over credit cards by American consumers who use plastic for their in-store purchases.

Spending on these cards, which directly tap your checking account, accounted for about 58 percent of purchases made with plastic in 2008, and are expected to grow to nearly 60 percent in 2009, according to The Nilson Report, a trade publication that covers the payment industry.

The convenience of not having to carry cash and a desire to avoid credit-card finance charges are among the many reasons consumers cite when asked in surveys why they prefer using debit cards. But banks are also accelerating this trend by aggressively promoting perks such as air mileage and other reward programs to entice cardholders to use debit cards more often. Debit cards are especially popular among women and among people between the ages of 18 and 25, who card issuers label Generation P, for plastic, according to a Federal Reserve study.

Of course, card issuers have their own motives for encouraging you to reach for your debit card more often, some of which can hit you in your wallet. If you pay off your balance in full each month, a no-fee credit card is a better choice than a debit card because it allows you to keep your cash in an interest-bearing account until the card bill is due. Plus, credit cards provide more leverage if you get into a dispute with a merchant over something you've bought.

But if you're among the growing legion of debit-card fans, here's what you need to know to help you determine when it makes sense to use them and how to avoid the potential pitfalls when you do.

Tug of war over payments

There are two basic ways to pay with a debit card. When you authorize a transaction by entering your personal identification number, or PIN, your bank account is debited immediately. If you opt instead to authorize payment by signing a sales slip, as you would for a credit card, the payment is processed through a credit-card network and the actual withdrawal from your account occurs later—usually within a couple of days.

Racking up overdraft fees

Since research shows that consumers who use debit cards more often are also more likely to overdraw their checking accounts, card-issuing banks can reap an additional $1 million from nonsufficient-fund fees, according to a report by Mercator Advisory Group, a Waltham, Mass. company that does research for the payment industry.

Unequal fraud protection

In practice, Visa and MasterCard both have "zero liability" policies that go beyond the federal law by exempting debit cardholders from liability in most cases when a bank investigation confirms a transaction is fraudulent. But there are loopholes in those policies.

Full article at here

Copyright © 2004-2009 Consumers Union of U.S., Inc. No reproduction, in whole or in part, without written permission.

7 Habits that ruin relationships

Found this in my mail... thought might want to copy and paste here to share :)

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If you want to avoid major drama in your relationship, resist the seven habits below that are known to ruin otherwise healthy relationships.

Criticizing his family

No matter how you feel about your boyfriend’s family, making it known to him just how much they drive you crazy is bound to drive an irreparable wedge into your relationship. Even if he, himself, thinks his relatives are bonkers, no one likes to hear others bash their blood relatives, so it’s best to hold your tongue when the subject of his family comes up.

Spying

You may think you're doing yourself a favor by keeping up constant surveillance your boyfriend’s blog, Facebook and Twitter habits; however by being aware of the minutiae of his whereabouts and thoughts, you’re more likely to overanalyze his habits as they relate to your relationship and do more harm than good.

Fighting in public

It's natural for couples to have the occasional argument, especially after being together for any significant amount of time; however, fights that become so uncontrollable that they regularly spill out into the open are an embarrassing and damaging relationship problem that should be nixed.

Letting yourself go

Not only is it bad for your health and overall well-being, but letting yourself go -- whether that means gaining weight or not caring about your appearance -- after settling into a relationship is one habit that sends a bad message to your partner: if you stop caring about yourself, he may assume that you’ve stopped caring about him too.

Trying to improve him

Many women think they are helping the men that they're with by trying to make them over, however, by doing so, they only end up causing more problems for the relationship. Think of men as being similar to dogs: they may be able to learn a new trick or two over the course of a relationship, but if you think you can turn in a pit bull into a poodle, you are going to be in for a whole lot of heartbreak.

Allowing problems to fester

Everyone would like to think that they have the perfect relationship; however, if in your quest to avoid creating drama in your relationship, you frequently allow things that upset you to go unsaid, you are doing yourself and your partner a great disservice. Good communication is the cornerstone of any happy, long-term coupling.

Lying to him

Lying to your boyfriend for any reason does not bode well for a successful future together. Just don’t do it.

SOURCE: here