About a month has passed since the last time I tried to upgrade my World of Warcraft account to burning crusade version via Blizzard's on line upgrade method. I have been using my credit card to pay my monthly subscription and that seems fine. However, when I tried to upgrade burning crusade via using my re-occurring credit card they rejected me and said my card wasn't valid, that's ok, usually we would try a few times right? well, I made like 11 times and to my horror after I checked with my bank, they said I had 11 payments on pending status! WTF!!! So i got pissed and emailed the team at blizzard - few days later i received numerous mails from blizzard stating that I could be a victim of credit card fraud. that really pissed me off, again. So I called them from Malaysia - it wasn't a cheap call. I was yelling over the phone like a LoudSiren.
This time they told me that they're having problems on their side. To me it's "bla bla bla" I don't care, just give me back my money! Anyway lesson learn is that never simply do on line payment with your credit card if it's not reputable. Though sometimes they are, stupid problems are bound to occur and you wont want to be a Loud Siren when you're faced with a suspected case of credit card fraud. So keep yourself protected first at LoudSiren.com because it'll help protect all these stupid transactions that never have succeeded!

Past few weeks has been a thrilling week! Emotions between my wife and I has been like a roller coaster, not that our relationship is troubled but the effects of house hunting has made it otherwise. We nearly bought over 3 houses. All was only a phone call away but at the moment of decision, someone stepped in with the cheque and we were too late. The last one was the one that made us snap! Everything was alright, the price, the location, the community around the area, it was all superb but something happened and we had a problem with paying the initial of the mortgage. JEEZ! then when we overlooked our problem we decided not to buy any more until the US economy stabilize because I heard it will some how affect the market rate. i don't know but the idea of getting a house now has died a little, that is until we sell our condo. In a way, its probably a blessing in disguise because we some money left for us to travel - that is why my beloved wife is now on a holiday spree. I just got news from her that her agent is going to offer the both of us free accommodation on this island :) i just cant wait for that to happen. now our emotions is going up and down again because of it - *laugh*

When you're still schooling, you may be thinking about having a girl friend, then as times go by and when you start working, you would probably start thinking about money. Of course, my first was to having a wife to love and support me. But now that's fulfilled and I think I'm reaching my mid-life crisis, I believe money is what I'm after now. Not to say I do not love my wife but I love her even more but the idea of having kids and a family of my own has come into the picture. And having a to take the next step in live needs heaps of planning especially in the financial area. But to achieve that level is not as easy as it says it would be. Like for instance, I wanted to save up to at least a hundred k's before I want to have my first child. That'd be cool because I'm gonna be a dad! ok not yet, but along the way things happen, stuff like my condo (hate it so much I wanna sell it!) car loans this and that bills bills bills ugh... and my wife's on a holiday spree *laugh* but that's ok, in-between here and there, I would get some crisis moments until sometimes I would have to succumb to pay day loans and sometimes, take the money I'm saving for my future family to cover some of my bills. Its not an easy life i tell you but I guess the idea of having my own family becomes a motivation for me. Its something I look forward to and perhaps that would be the day I would say to myself - you're all  grown up :)

I just learn recently that Thailand is a place for you to get really good cheap parts and accessories for your car or bikes. After all most parts are manufactured there! I just saw someone coming out from the airport recently with like two huge plastic parts, I mean, shouldn't you wrap it up or something before you check it in? oh well, maybe the weren't bothered. For me, I would because Air Asia broke my bag once! so no more second time! anyway back to cars...

Like i said before, having a car means a lot to me, thats because where I live, you really need a car to get around. The public transportation sucks and you cannot rely on the taxi because you might get robbed - yes, I live in a scary place but its home :) So, over 5 million people here think the same, so all of them have cars, and what happens when they're over too many cars around, you get major traffic congestions and through that traffic congestions brew up impatient drivers and when you get impatient drivers you get reckless drivers and when that happens reckless driving leads to accidents! no wonder why in Malaysia it's federal law that each car must have insurance. but thats beside the point, what you really need is a suitable car! for me I wished I had a hummer but its way too big for the roads here, it'll probably hog 2 lanes so the idea is scrapped. I did look into a 4 by 4 but the auto loan was way too high. sigh, oh well i guess it'll just have to stick with what i have until i have earned my fist million. tee hee, to me i never though of investing money into a car - but what-the-hell, you still need a car. geez!!!

Well, if you're ever in need of cash right now as I am, and no one is lending you any money, maybe you're too scared to ask from boss about advancing your pay. whatever the case is, in the state of an emergency you need money! and having to go through all the paper work is a hassle because you need your money fast! well if you're looking for some one who could meet your needs with  faxless cash advancement you could check out perfectcashadvance.com - they are a group of people who offers top servicing in cash advance. As for me, these are services to help you through tough times like when something happens and you can't pay up your home loan or your family member has been admitted into hospital - you need the cash, so don't ever try to get a loan from loan sharks because what they do is charge you with an insanely high interest rate at their own discretion. Be smart ok, don't be a fool! There are always other means to getting “emergency money” other than them. However, i did mention in one of my post that you shouldn't use this as an excuse to run away from debt! The greed for money kills!

Finally! I've managed to get rid of my Samsung D900 thus giving myself a perfect excuse to own another! bwahhaha! though it's a little too soon for me to get the iPhone, I think I would just get myself a humble Nokia or perhaps a SE phone. Sigh, choices choices choices. Because of this, my intention to get my camera lense has also been postponed :( what-to-do, i have to use the cash i saved up for it to get the phone now. Anyway life goes on.

Sigh, too many people know when they're in deep shit hole of owing people money, they would think of a few dumb as things like jump of a building (you get some excitement before you splat over the sidewalk) or they would start seeking other means to repay their debts - I don't know, if you're stupid enough to actually apply for another credit card just to close the debt on the other - well wake up! it doesn't help! it only adds up more interest. So i know a few of my friends who are professionals in owing people money, these jerk off friends of mine doesn't know i own this blog, so I can say whatever the f**k i want so i don't care :) but if you're one of those who's reading this and you're one of those birds of the feathers that flock together then you may still have a small chance! ok number one solution - don't ever get money from loan sharks who is very popular here. you can borrow money from them a 1% interest - sounds cool, but if they want to change it to like 40% they can and they wont give a rats ass who you are. Alternatively, if you need online debt consolidation there are many people who provides you with a reasonable service but bare in mind these are not used for a remedy for life. When shit happens! people only pray to God above for help. that sort of thing I'm talking about. So don't be a jerk off!

They say that money is the root of all sins or (some would say) problems. How very true. It is not because of one friend's friend i know I would not even bother taking about this. Imagine, you are down to your last dollar but yet the urge inside you insist you to do more shopping. Well I'm a heavy consumer too, once I see something I like, I'll really drool over it - what to do? I'm a gadget freak! I just got myself this sowing stapler* Apologies for not having the image. I'll upload the photo once I download the image from my camera. But anyway back to the point. This friend, I'll call her Ms X - there, discreet enough :p Ok, she has like 2 or 3 credit cards I know and all of them have already exceeded the limit! yet she's still applying for another so she can spend more and pay the minimal amount on each cards. What really pisses me off is Ms X doesn't realize what she's doing would lead her to a life of debts. I don't know about you but I hate owing people money. It's like i have all these stuff... and it all doesn't belong to me? WTH??? anyway thats not the worse, the worse is that she's been asking for payday cash advance! I mean its not a bad thing to inquire about payday cash advance, but do it right! Lots of people i know who usually go for payday cash advances are people who needs that money for emergency and that sort. now these companies really help a lot when you're faced with a situation but please, don't use the money to shop shop shop shop shop. geez! this kid is killing me, i can't believe I'm able to meet jerk offs like these.

Yesterday was an interesting day, I met up with a my brother's friend who helped us with our housing loan previously. Though I know people along that line who does housing loans, investments and that sort would somehow be involved with "insurance" to most people an insurance agent is like the boogie man. You would want to

A: Avoid them
B: Beat them to a plump
C: Impale them to a pole
D: whatever you want to do to them - I don't care

But knowing he's my brother's friend I'd give him a chance. While talking with him, I actually had my own questions that I would like that ask him. So instead it was more of me talking more than him and he giving me the input, it was fun but I learn much from him. I was actually quite interested in becoming a part-time agent, helping people invest their finance. I mean you can put your money into FD (fix deposit) but the interest rates are way to little. Come on! I put around 10k and after 4 years... man, FOUR YEARS... i got like 400 bucks. Geez.... it was disappointing. But as the years went by I learn about mutual funds and took out all my FD money and shoved it to a mutual funds and I've already made a few thousands in approximately 5 - 6 months... think! Ok i wont go into that.

Because of this, I learn that in our every day lives, we need money and of course how we can put it to use... aiyah! to cut the story short I want to help people invest. So I was interested in becoming an agent. Solely because I want to educate people in the areas of investment. So one of the first thing i would need is to sit for an course on financial planning and later pass an exam by the government. The full course would be around 8k.... this was a let down for me.... but anyway - i think its worth it because once you get your license you can actually sell anything for anyone... may it be car insurance (good business in Malaysia because all cars need to renew their insurance every year), investments, insurance whatever you name it you can have it. So, it all comes back down to one thing that bottle-necks the decision... the money - sigh... should i or should i not? that is the question :p

I love my car, and I really want to pump it up. It's a Honda City with no frills and thrills at the moment, I mean, what to do right, it's second hand and the previous owner was a lady. She's a catholic so I though she'd be nice but boy was I wrong. But anyway back to my car. What i really want is this ------>

 

Ok, it's a CR-Z but we don't have it here where I live, sigh but i really want to do up my car. But when reality strikes me, car is the liability, it sucks you dry from your pocket, why? A- Maintenance B- Petrol C-Where I live it's a miracle that your car wouldn't get scratches even if you parked it somewhere safe and of course D- Insurance and Road that is compulsory for you to get - D'OH! easily you would be spending over 2k a year on your car and trust me 2k is not easy to come by unless you're filthy rich but I'm just an ordinary white collar. $%#*! Insurance is good business here because it's yearly, this year I hope I can lower down the insurance because I would like to beef up my car. But the real problem is where can I find the best car insurance quotes? Well, to me I just left this to my wife! I know I know it's pretty mean for me to do something like that so tonight I'm gonna surprise her with something, see, I'm not that bad after all :p