Check Your Credit Report for Free

You can sign up and check your credit report at this link here >> https://www.mycreditinfo.com.my/ which is free for first 2 years for basic report which is where the banks will use to see if your bank loan and credit card approval is successful or not. For the more comprehensive report, it shows your credit card payment habits and it will automatically state whether it is strong or weak for loan approval and payments. For the comprehensive report, you have to pay RM 10 and RM 5 for the less detailed report. The payment merchant is iPay88 where you can choose to pay by online banking or via your credit card with OTP sent to your registered handphone for confirmation. You can do an online search on Google for RAMCI and i-Score to give you the link above which I found.

Penang Ushers in Christmas Magic in 2016

Christmas is celebrated every 25th of December to welcome the birth of baby Jesus Christ. Christians believe that Jesus came to save the world from sin and eternal damnation in hell. His resurrection power on the cross defeated the power of Satan once and for all; giving mankind hope and eternity in heaven. We are reconciled with Our Heavenly Father through Jesus' finished work on the cross - his death and resurrection to heaven.

Christmas is also a time for merry-making and you will notice lots of sales as it has become commercialized. During this season's greetings, much festivity and celebration goes around the world. Here in Penang, we also usher in Christmas in 2016 that is drawing to a close at the end of the year. The above picture was taken at the upscale Quayside Condominium's management office where a relative owns a unit of over 3,000 sq ft. It is left vacant and she stays in Singapore.

The above is Whatsapp photo of my second sister's father-in-law's hobby of collecting gnomes in Southampton, United Kingdom. The red hats resemble those of Santa Claus, except that they are not Santa and don't give you presents! Google defines a gnome as a legendary dwarfish creature supposed to guard the earth's treasures underground.

Here is my snapshot of suspended Santa Claus made from small round balloons and glued together at M Mall in Penang Times Square. M Mall is an upcoming mall that started early this year and has attracted lots of tourists from China by the bus loads to come here shopping and redeem their M Points for items from shops or for dining. They also sell high-end women's genuine handbags like Prada, Gucci, and many other costly brands.

The colours of Christmas are mainly red and green. Here, I took the opportunity to add this little floor decoration at M Mall with such colours of Christmas plus purple orchids. The red flowers are known in several names - 'valentine's flower', 'mother-in-law's tongue' and 'naughty boys'.

This photo was also taken at Penang Times Square Phase 1 which is linked to M Mall in Phase 2. I am seated in a gondola on 'water' like those in Venice where I visited in 2013 in Europe together with my sisters. Notice the many potted poinsettias of red petals like leaves decorating the border of the balcony on the floor. The potted poinsettias flowers are beautiful in bold red. These flowers are commonly used as decorations during Christmas around the world as they associate with the Christmas feel and colours.

Gurney Plaza in Penang adopted a glamorous black and gold theme for its Christmas decorations this year where the photo above was taken. The mall unveiled a 10m tall steel structure Christmas tree at its main atrium and adorned it with bulbs and ornaments. It placed many gift boxes beneath the tree. The main tree was surrounded by smaller trees and sparkling decor with large baubles. There was also a performance by a carolling group.

I took this selfie with one of the smaller Christmas trees in Gurney Plaza that is adorned with lots of gold baubles including gold poinsettias and white lace draping from a star at the top of the tree right to the bottom where the presents are placed.

This was taken at Daiman in Subang Jaya. The large egg signifies creation like Christmas and is painted in pink and purple orchids. They certainly attract my attention for photo-taking for posterity.

This was taken in Sunway Pyramid Hotel's lobby. The Christmas tree is certainly adorned with colourful sparkling baubles and ribbons of red and green. It is another selfie of mine while my partner was waiting in the queue to check into the hotel recently.

This is a miniature version of the larger Christmas tree placed atop a table in Giant hypermarket, along Burmah Road, Penang. Here, you get to see a full picture of the Christmas tree where shopping increases by year end as employees get their fat bonuses to buy things for their loves ones and friends. This is the spirit of Christmas - to give and to receive and it is more Blessed to give than to receive. Wishing you a Merry Christmas and Season's Greetings this 2016.

Merry Christmas 2016!

Christmas is drawing near and now it is the month of December - the time where you get your bonus and school holidays are here and you get more time to spend with your kids. Everywhere I go, it seems to be crowded and packed with cars. I would like to wish all my readers here a Very Merry Christmas in 2016 that is drawing to a close. It is time for season's greetings and merry-making. It is also a time to give and to receive. Let us celebrate Jesus' birth on 25th December who came as a Saviour to mankind and defeated the evil one, once and for all. The resurrection power on the cross gave us eternity in heaven when we are called to be with our Maker.