My new hair style

This is me and A's doggie... I used to keep long hair for many years... But I'm getting bored with my hair and my long hair looks messy sometimes...

So, I decided to cut them off! See!! This is my ex-long hair... The saloon can probably use my hair to produce some wigs... =p

Voilaaaa~~~~ This is the new me! =) My mum says I look more energetic now... But looks like a small girl...

*Cheers*

An embarrassed evening

My specs... with a loose screw =(

My spectacles embarrassed me today... *sob sob* I had a meeting with a few bosses and an external party. The external guy was presenting something to my boss and there were some discussions going on...

Suddenly... *POP!* One of the screws of my glasses came out and the right lens felt out and dropped onto my skirt!!! OMG! All eyes were focusing on me!! I felt so embarrassed, manz! Instead of continuing with the discussion, the guy actually took out his little screw driver and tried to help me to screw back my specs... Haha!!!

Thank him so much on the little screw driver... I managed to fix my specs and its now back to normal... =)

Where can I get those screw driver for spectacles? I feel like getting one, just in case...

*Cheers*

Use your Credit Card wisely

1 person can hold more than 1 credit card. Each card could be double or tripple the person's monthly salary. Do we really need so many cards?

Nowadays, we are in this digital world, whereby the usage of e-cash (i.e. credit card and debit card) is very popular. Many of us will use our e-cash to purchase our groceries, petrol, food & beverages, clothes, and even order our goods and services online! The popular online shopping paradise including, Ebay, Amazon and AirAsia…

For me, I hardly buy my goods online. However, I will charge my credit card when booking air tickets online. This will eliminate the hassle of withdrawing cash and book the ticket through travel agents. On top of that, I also use my card in the petrol station. Hence, I only need to pay at the pump and do not need to walk to the counter and pay. Hehehe!! Besides saving time, I also can earn extra points! =p Those points allow me to redeem for free petrol voucher!! Consumer yang bijak, kan? kekeke!

Well, according to The Associations of Banks in Malaysia, only about 30 percent of credit cardholders pay the amount outstanding in full. In other words, most of the credit cardholders only settle their debts partially or only pay for the interest and the minimum amount of the principal outstanding. In this case, I am very proud to be one of the 30% credit cardholders in Malaysia. =p

I believe, we should not spend more than what we can afford. Credit card is merely a tool that gives us convenience in purchasing stuffs and we should think of whether we can afford to pay off the debts in the future. I’m quoting this ABM’s example, a credit cardholder who were to elect only to pay the minimum 5% of the amount outstanding on a RM10,000 balance. With a credit card charging 18 percent per annum, it would take 7 years and 3 months to pay off the amount owed assuming no more charges are added to the card. This is very scary right?

So, I would like to share some tips from the Agensi Kaunselling dan Pengurusan Kredit (AKPK), for handling credit cards wisely:
1) Use the credit card as a means of payment and not as a source of long term credit.
2) Keep only one or two cards.
3) Charge only what you can afford to pay back – avoid living beyond your means.
4) Shop around for the best interest rates, annual fees and service fees (there are a few banks offering a “no frills card” at lower interest rates. These cards do not attract the annual and joining fees nor enjoy insurance coverage and/or reward schemes).
5) Pay off the debt each month, or at least pay more than the minimum if one elects to pay in instalments.
6) Avoid withdrawing cash advances as there are charges involved.
7) Remember that a credit card is NOT the same as free money (credit cards must nevertheless be kept in safe custody to prevent theft and fraud).

Additional tips:
So far I know Maybank and CIMB are offering ‘Free for life’ credit cards: (1) Maybank Petronas Visa Card, and (2) CIMB Petronas Master Card. Check them out and save some annual fees… =)

*Cheers*

Yummy cupcake for breakkie

Wooo!! Check out these yummy cupcakes!! My colleague, Iz bought the plain cupcakes and coloured them with smileys! So cute, right? I ate one of the pink cupcakes as my breakkie... =p The icing was so sweet~~ It really cheer me up in this gloomy, hazy morning...

Road accident - what to do?

Recently, I have seen quite a number of accidents on the road. Most of the time, especially on the Federal Highway, the call men or tow trucks will approach you right after you met an accident. The call men can be easily identified. They usually have their walkie-talkie with them.

For those who are panicky or unsure of what to do, they might get influenced by the call men and believe that they were there to help them. In fact, most of them were trying to take advantage on you!! Most likely they will tell you not to worry and they will assist you in towing your car to the workshop, making insurance claim and repair your car. End of the day, they might charge you for sky-high towing fees and so on... Hence, I think it is better to arrange your own tow truck, workshop and make your insurance claim personally.

I would like to share this article about “What to do in the event of an accident”. I think this is a pretty good article which teaches us the tips on how to handle the sitution after an accident.

The important points of the articles are as follow:

1) Safety First - Park your vehicle in a safe and visible place to avoid additional accidents or create a traffic jam. Remember to turn on the hazard lights to warn oncoming traffic of your position.

2) Attend to the injured - Determine if anyone is injured in the accident. Call for the ambulance and the police if there is any casualty involved.

3) Stay calm - Always avoid argument, dispute, or controversy. Instead, politely request for the following details:
~ Vehicle registration number.
~ Driver's particulars (name, address, contact phone number).
~ Precise time, date and place of accident.
~ The Insurer's name and insurance policy number (if possible) of the vehicles.
~ Details of witnesses, if any (name, address, contact phone number).
~ Details of injured persons, if any (name, address, contact phone number).

Extra tips from me:
In order to ensure that the phone number of the guy who knocked into your car was genuine, get him to send you a miss call. Thats what I did for the first time I met an accident. heheh!

4) Be careful - DO NOT commit liability or settlement.

5) Report the accident - Drive or tow your vehicle to the nearest police station from the place of accident and lodge a police report within 24 hours as required by law. Your vehicle need to be inspected and photographs taken by the police.

6) Towing & repairs - Arrange for your vehicle to be towed to a workshop for repairs. Check with your Insurer as they may have a panel of authorized workshop.

Extra tips from me:
Immediately call your insurance company for assistance. Most of the insurance companies do provide free towing services in the event of accident or car breakdown. So, you better check if your insurer is giving this free services and keep the emergency number in your car.

7) Notify your Insurer - Complete the Claim / Notification Form and submit to your Insurer as soon as possible even though you do not intend to make the claim, for protection against liability resulting from the accident, against yourself and your Insurer.

I hope this can help some of you. =)

Take care and drive safely.

*Cheers*

Bad Day

I woke up at the wrong side of the bed today?

I depart from my house slightly earlier than yesterday. However, bad stuffs keep coming towards me and delayed my journey to work!

First of all, when I reached the traffic lights outside my housing area, I saw I dead black cat lying in the middle of the road. Then, I found out that the traffic light was malfunction! OMG! I was struggling to get out of the road!! It took me about 10-20 mins just to get out of the area. Not to mention the cars behind kept honking the very first car for not dare to get out of the junction. Common’ that Avanza was full with school kids, that’s why the driver was more careful! Stop making noise pollution...

After that, I faced the second challenge! The roundabout area was jam too!! It never happened at this timing before. There shouldn’t be heavy traffic. Another 15 mins was wasted on the short distance traffic. When I reached the Desa Aman housing area, I saw policemen were diverting the traffic to the inner lane and I was like... What’s happening? How am I supposed to get back to my East West Link Highway ? I just followed the van in front of me, hopefully he’s going to the same place as me. A while later, I saw an ambulance, police motorcycles, etc. There should be a bad accident. No wonder the traffic was diverted and those aunties and uncles who are staying nearby Desa Aman stood by the roadside and looking at the same direction...

Well, I continued to follow this van in from of me. Guess what? Yesterday I blogged about drive carefully and beware on the road. And today, I followed the van to do some ‘illegal stunt’ in order to get back to the main road! *Opps*

My petrol tank was damn low! However, I don’t even have time to stop by the petrol kiosk to pump some ‘drink’ for my car! I was rushing all the way as I saw a pretty heavy traffic on the East West Link... Another contributor to the jam was an orange van that parked at the road side. The back door of the van was opened. However, there’s no driver or passenger inside or around the van! I wonder what’s wrong with this van... So strange. After that... The next contributors were 3 cars that stopped at a 2 lanes road, towards Mid Valley! I guess that’s a chain collision... It’s a wild guess as I didn’t stop by and look. I don’t want to be another contributor to the heavy traffic!

Finally I have reached the Federal Highway ! It wasn’t as jam as I thought. It was manageable. =) *travel travel.....* All the way to my office and it seems fine. Since I reached office later than usual, I parked my car at the lower level basement. *sniff* The lift was malfunction toooooo! Grrrr... Okay, fine... I walked up the staircase...

When I reached the office, I realised my one of my shoes was KOYAK!!!!! I know its now MEGA SALES... But doesn’t mean I need to buy more during sales right? Well... I think I have no choice. My shopping list is getting longer now. I’m now waiting for my pay day!!

The song that best describes me now should be Daniel Powter’s Bad Day! LOL!

*Cheers*

Beware on the road

I would like to share an experience with you...

This morning I witnessed a car accident at the junction near my office. I was coming out from a junction and was turning right to my office. I saw this Grey Myvi (could be a student’s car) coming from the opposite. She was trying to make a U-turn without realising a motorcyclist was right next to her! She knocked right into the motorcyclist on her right side!!! OMG! It happened right in front of me within seconds and I heard the loud bang too!

This is how the sketch plan looks like... (Its not drawn according to the scale yea...)

I wasn’t sure what to do at that time. I thought of coming down from my car and help the poor motorcyclist. However, I ended up turned into my office's parking. Then, I started to call my friends about the incident and what should I do... They were like... “Chill! Don’t worry! I’m sure there will be somebody stop by and help, just go to the office.” Okay...

After that, my other colleague who reached about 5-10 mins after me didn’t see any accident at that area. So, I think the injury wasn’t that bad and the guy should be sent to the hospital already. *fingers crossed*

Lesson of the day: Drive carefully and watch out for the motorcyclists around you... They are so fragile... And I have seen enough of accident cases when I was doing those bodily injury claim files. I do not want to see them anymore. "Berhati-hati di jalan raya" okay?