Finally, My Housing Loan is Approved

Finally, my housing loan is approve by not one bank but 2 banks. For the first bank, Hong Leong, it took me 1+ months to get it approved with repeat emails to send in documents and personal information, offering BLR-2.25%. For the second bank RHB, it only took exactly 2 weeks before it was approved with BLR-2.35%. Of course, RHB's offer is very attractive, since I pay 0.1% less as compared to Hong Leong Bank.

Moreover, RHB has already prepared the offer letter for me to sign since Friday and I will go with this bank as they are more lenient and easy going with their loan offer. Hong Leong bank is too calculative and more expensive if I were to take up the loan from them. Finally, I can buy my second property with some help from the banks for investment purposes. Just after I signed the S&P, the price of property went up another 10% due to the hike in petrol prices and all other things.

I Love to Read and Write

Writing is my hobby. The more I write, the better I become at writing. I also buy newspapers every day and monthly magazines to read and improve my knowledge and widen my experience. Reading is the best activity one can do during one's free time and an ideal escapade in a secluded bedroom, all curled up under my silk comforter with a book or magazine in hand. You will miss out a lot on life if you don't read and write. It keeps me mentally alert and knowledge is power. I believe in lifelong learning and will pursue this activity for a very long time to come. It has helped to widen my vocabulary, improved my style of writing and of course my not-so-perfect grammar.

Bought The Edge Magazine

My sister's friend plays the share market by buying The Edge and Personal Money Magazines to track the financial data weekly. The Edge costs $5 each and is published on a weekly basis. Sometimes she makes $50 to $100 or more by playing shares online during her retirement years. This will surely keep her mentally active and helps prevent Alzheimer's Disease during the twilight years. The Edge is well written and information, hence the higher cost as compared to the daily newspapers costing only $1.20 each. I read both the Star and The Straits Times as much as possible to keep track on what's happening on a daily basis locally.

I Love to Blog

I love to blog and make money out of it. That is the benefit of keeping an active blog that you can monetize. This is a win-win basis for both bloggers and sponsors. I have done paid posts in the past and earned some good income from it. The revenue adds up to my total income for the year every December. I keep a financial record on Excel to trace my income and expenditure for an overall net income every month if possible. And I get to do all this in a home office that is equipped with an internet broadband connectivity, digital camera, multi-functional printer that can scan, copy and print in colours, etc. I love what I am doing right now and hope to continue on this activity for a long time to come.

Making Money is Possible if You are Diligent

Making money is possible if you diligently look around the internet for opportunities instead of sitting idly by or napping most of the time. You need to work with your hands, and lift a finger, so that you will not come to poverty and become hungry. The Bible has already taught us that those people who refuse to lift a finger, will go hungry. Worse that hungry is to be in poverty with no roof over your head or nice clothes to wear. An extreme example is the vagabond you see walking in the streets and survive by eating the leftover food of clients at food cafes or hawker centres. You also need to have some skill and a sound mind to be able to work on the computer and earn an income now and then.

Withdraw $400+ from my Paypal

I just withdrew $400+ from my Paypal this morning. This is like occasional allowance from milking the internet now and then. Of course, I also top up by writing articles for a repeat client from Singapore. There are just so many things to do each and every day, that sometimes it may overwhelm you. But you need to do wise time management in order to achieve all the important tasks each day. I also read a lot to spruce up my English by observing the writing style of well-known and accomplished writers. I am just grateful to my father for the sound education that all the Tan sisters got in their impressionable schooling years. Hence, now it payback time and my parents are retired now.

Credit Cards are Indispensable

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Credit cards play an important role in our lives and are indispensable. They are a part of our lives more than we think. Practically majority of our purchases are made via credit cards. No longer do we need to carry thick wads of cash in our purses anymore just to buy expensive items like cosmetics, washing machine, microwave oven, overseas holidays and such. All it requires is just our signature on the payment slip and the transaction is confirmed. We also don't have to count lots of cash to make sure they are correct before paying to the sales girl at the supermarket counter.

The transaction is easy peasy and convenient to check against the payment slip. This is how things are speed up. For your information, there are 10,000 credit card transactions made around the world every second! This is an astounding figure! Hence, I cannot imagine life without using credit cards in this day and age.

With modern technology and instant bank transactions plus internet banking, most financial transactions can be made successfully in a jiffy across borders and different countries. Today, Americans have an astounding 609.8 million credit cards in their wallets. As a scenario, if all those credit cards were to stack up, they would create a tower 288 miles high.

Also, the benefits of carrying a credit card is the ability to redeem points after a period of time when the points have accumulated. We can redeem for gadgets, watches, cutleries, bed sheets, vouchers, perfume and much more. This is to encourage you to use your credit card more often and various credit cards offer different benefits. Some have cash back rewards, others have travel plans or petrol cash back.