Most of us own several credit cards. Not that we love to have them but the banks keep pushing them to us. I signed up a few just for the free gifts but really, I do not need these many. One tends to overspend with so many cards. There was a study carried out by American Northeastate University doctorate students to determine the effect of reducing the number of credit cards one carried. One group was selected with over five credit cards while the second group was selected for those with less than five cards. The control group is those with no cards at all. The results are interesting in that the expenses correspond proportionately with the number of cards that one carries. So they did another experiment. They asked the group with the five cards and above to reduce their cards to two and sliced up the rest. A surprising result occurs. Their expenses went down drastically. I have checked this phenomenon with studies conducted in other countries and I found that similar results did happen.

The modern financial institutions recognize these studies and there are institutions that are giving advice and packages to help one to control one’s expenditure. For those with many credit cards, there is a scheme called credit card consolidation where all your expenses from your cards are consolidated into one statement. This way, you are able to keep track of all your expenses in one glance and will be able to monitor how much you spend for each month or week. If you have many credit cards and the statements come separately, it is very difficult to keep control of your expenditure. The worst part is that if you have supplementary cards for your family. A consolidated statement will help you to keep track of each card expenses. This is why a credit card consolidation is so important in the managing of the cards expenses.

Honestly I am thinking of doing it..

Any body who owns a car need a car insurance. The car insurance varies with a number of factors. Factors like, the history of the driver, make of car, the age of the car and service available for that car make. A new car that is under loan with a financial institution will require what we called a first class comprehensive car insurance. This type of insurance can be a hefty one and one would try to look for the cheapest car insurance available on the market.

How to get a cheap car insurance? Well, if you have an old car and it has been insured in your name, you can transfer your NCB (No Claim Bonus) to your new car. If your NCB is 50%, then you would save 50 per cent on the insurance premiums for your new car insurance. This would be quite a lot of saving for a first class comprehensive insurance.

Another way to save your car insurance is to find a make that has good service back up. Makes that provides easily available parts will attract a lower car insurance because the insurance companies know that these repairs can be done locally and at a cheaper cost. If you were to buy a Porsche, then you are likely to pay a hefty premium price because the parts are not easily available and will have to be imported in from Italy or some overseas stockists. The freight charges will be another costs incurred and because these type of cars required highly specialized skilled mechanics, their charges for the workmanship will also attract a different rates from the more common cars on the road. So if you are looking for a cheap car insurance, go for a more common make that provides readily available parts and services.

There are certain cars that will attract thieves or car robbers. These are cars that are highly in demand or their parts are difficult to obtain. Car thieves know the value of the parts and they will steal these cars and cannibalise the parts quickly. Check it out with the insurance companies for these makes before you purchase your next car.

Buying a house is everyone desire and wishes. However, the price of a house is no small amount. Before one decide on a house I suggest that you choose your house according to what you can afford and what you need. A big house is nice to have and to show off to friends but the maintenance and upkeep is huge. If you have a small family or planning to have a small family, then, a single story bungalow will do. If you are going for cheaper price dwelling, then you should seriously consider the link houses or apartments. They are nice and cheap and you have neighbors to keep you company. Having decided to buy the house after much hunting and bargaining, the next step is to make the financing arrangements. Do not let the developers plan your financing. I suggest that you shop around and check out their mortgage rate. They do varies from bank to bank, depending on how desperate they are in giving out their loans quota.

The financial institutions have various schemes for financing your house. The mortgage schemes are of various types. You have the fixed interest rate for the entire duration. A fixed interest rates will hedge you against higher interest rates in the future. However, the financial world is a bit of a yoyo and interest rates can go up or down. In recession times, the interest rates can plunge and if you are on the fixed rate, you will lose out. The competition among banking institutions have been very keen lately and it is good that you shop around for the best interest rates for your mortgages. Everyone is looking for the best mortgage rate for their houses. A smart developer will arrange en block a group of potential buyers ready and present them to the financial institutions. The institutions will bid for these potential buyers en block and whoever offer the lowest mortgage rate will get the whole lot of potential borrowers from the developer.

Credit cards have a number of advantages over cash or cheques. I would strongly recommend that one should always carry at least one credit card. It is preferably that you have two cards as when one card failed to go through, you can use another card, otherwise, it would be rather embarrassing at the payout counter, with a long queue of customers waiting for your card to go through.

Applying for a credit card is not difficult. As long as you have a steady income, one can apply for one from the bank you used to do your banking or get one from those online credit cards companies that are available on the net. Getting the credit card is the easy part. Keeping it is another thing. One must be wise in using a credit card. The golden rule is ‘ do not spend beyond what you can pay’. Credit card companies earn from the interest on the amount not paid back on the due date and penalty charges for late payment. The interest rate is quite high and this is where the credit card companies make their profit.

Credit card earn you rewards points, which you can accumulate up and redeem for the things that you want. This is the added benefits of credit cards as compared to cash payments.

With the number of snatch thieves incident, it is safer to use credit cards as when you lost your credit card , you can stop payment from the card within a few minutes.

With the advance of technology, credit card machines have also gone GPS as well. In remote villages, traders can  transact credit card transactions using satellite GPS technology. The plastic card has come a long way.

The credit card has evolved in status as well. In the beginning, you have the classic card, then the gold card and now the platinum card. Of course the premium fees goes up with each status as well. In reality, I prefer the classic card because it has less chance of being duplicated by fraudsters. Be careful with the gold and the platinum cards and guard them well as these cards have higher limit amounts.

I was looking through youtube the other day and I so happen to found this! Very interesting even tho it is a bit old. It’s PCK RAP! (Phua Chu Kang RAP)

It’s been along time since my last post. I’m really sorry to keep you guy’s waiting. I was busy learning to “walk”. Learning to walk has been very challenging! Funny as it may be, my right foot has total forgotten how to walk!

Anyway, I would like to focus on politics today! LOL. As most of you know, I have an interest in politics which I often share indirectly with you guys. It’s seem that Malaysian politics has just risen to an all new level with Pakatan Rakyat with is made out of PKR, DAP and PAS scoring a huge majority in 2008 General Election. To make thing more interesting, Badawi has annouced that he is handling power over to Najib after the UMNo assembly but it doesn’t just end they. Anuar 5 year ban on politic’s has finally end and many surprises awaits all of us. As a Malaysian, news like this is as juicy as Britney Spears gossips! I’ll have to stop here for now. I’ll be back as soon as possible with more post.

People love to eat, drink, sex and gamble. That is why casino is sprouting out all over the places. People loves the excitement of taking chances, risks in a game. The anticipation of the outcome drives the players to go on and on and on. On a world wide observations, the Chinese or Asians are serious gamblers, while the Europeans are more of a casual type. This is the reason , why in recent years, the casinos in Macau has outperform the casinos in Las Vegas. More casinos are coming up in Singapore, a country that has banned gambling for years, Genting in Kuala Lumpur and there are talks of it in Thailand.
Casinos online have been sprouting up like mushrooms all the world lately through the internet. In certain states in USA, casino is illegal. The list of online casinos accepting US players except 11 states: Illinois, Indiana, Louisiana, Michigan, Nevada, New Jersey, New York, Oregon, South Dakota, Washington and Wisconsin can be seen at USA online casinos.
These online casinos features big bonus casinos, free casinos, no deposit casinos, and flash casinos, giving you a wide range to choose from. The online casinos is so user friendly and gives a very comprehensive and easy to use casinos guide to all USA players. A plus feature of these online casinos offer large bonuses, and free no deposit bonuses. This is a must see website for anyone interested in online gambling as there are so many opportunities and choices to see, view and try before you leave.

The Blogs Bubble is here. This is the age of blogging. Why are blogs overtaking the websites? Simple for a few reasons. Blogs are easy to create. They are short journals that are constantly updated everyday. People love to read short articles or stories. The tools that are designed for blogs are easy to use and many are free. Almost everyone can blog, irrespective of age.

Advertisers are looking for top bloggers who have high page ranks and high traffic. These advertisers are looking for dot com companies to help them to put their advertisements in blogs. However, the advertisers do not want to deal with bloggers directly as they do not have the time to scout for the relevant blogs nor do they have the time to arrange for payments. The advertisers look for the middleman to do all these tasks. Blogvertise is one such middleman in the blogging sphere. They help advertisers to look for the right blogs for their placement. Bloggers in turn do not have to search for advertisers. They simply subscribe to Blogvertise and everything is taken care of. There is plenty of money to be earned in the blogging marketplace for bloggers and blogs brokers.

The penis is man’s most important ego organ. Man is so proud of it. But being proud of it can happened only if one has size and length. Thus it has been always man search for ways and means of enlarging the penis. With this in mind, man has gone to great lengths to invent penis enlargement tools such as penis enlargement extender. There are many penis enlargement products on the market and sometimes it is difficult for one to choose which one is good or most importantly, will effectively work.
Besides using penis enlargement tools and equipment, there is also the need to take nutritional sources such as penis enlargement pills to ensure that the penile organ received the right nutrients. What these penis enlargement pills does is basically to vasodillate the blood vessels to the penis organ. With the increase in blood flow, the penis will goes erect.

Very short talk:Been very extremly busy lately. All those 8 months sure pile up a huge work load.

Heard about earth hour? It’s a campaign to spread awareness about global warming. So I decided to start with my the people close with me, my family member and relatives. I was convinced everyone would say yes till I meet my Grand Mother.

Alistair: Have you heard about Earth Hour?

Grand Ma: Ya, I read about it.

Alistair: Oh, so read about it? Good. Then you know what to do lar. On the 30th of March at 8.00 to 9.00 pm off most of the light at home.

Grand Ma: Are you out of your mind??!!!! No, I m a not going to off the light’s. Instead I am going open more light’s.

Alistair: What??!!! Didn’t you read the newspaper?

Grand Ma: Yes I did. Here I show you. Read!

Alistair: =.=

This is what I saw.

and this,

and this

and this and plenty more

In fact I too decided not to participated in earth hour. The crime rate in Kuching is so high it’s not even safe to stay at home. Every day when I open my newspaper, they will be at lease 5 break-in, in Kuching alone. Scary isn’t it? Not even the Deputy Chief Minister house is safe. So in the end, I too didn’t close my light because that would be like putting a huge sign board telling robber’s to break into my house. Instead I had more light switch on. Malu lar….. the preacher doesn’t practice what he preach but what to do. Another thing again, didn’t DAP say they could reduce crime rate if we voted them? Where is the result?!! Vote them and where is the result???

The country’s skilled workers or workforce depends on the technical schools. The tech schools are the main production centers for training special skills workforce for the industries. Manufacturing plants required highly skilled people and they rely on the government to provide or assist with the setting up of technical school or schools.
With the emerging importance of technology in manufacturing industries, it graduates are in demands and the it schools which provides the it training are in acute shortage. It is important that every government should pay attention to the setting up of adequate technical training schools in every parts of the country.

I bet all of you are already tired of political news and then Nuffnang party post which almost every blog has… Anyway, I got something different today. 3 weeks ago they was a Press Run in Kuching. I had the opportunity NOT to run but to snap some pictures. In case you might be wandering why am I so free to go around taking picture of event which doesn’t even involve me, the answer is simple.. I am too free and sitting down at home is just a No to me.

Believe it or not, alot of funny things did happen during the Press Run.

You see the guy in the picture waving the flag. He doesn’t participate in the race but he still walk home with a prize, and a big one too all because he is the Chief Minister of Sarawak.

“Now if you see anybody wearing yellow protesting, don’t hesitate to arrest him!”

“Wah, mummy, why you go slow? You were a lot faster in the supermarket when you saw an old lady reaching for the last bottle of milk.”

This guy aren’t running, they are in fact showing of their legs.

Old and young running for the sake of health, money and fame.

Believe it or not, this boy actually finish early but to his shock, he couldn’t find mother. Don’t worry, mummy is till way way behind catching up.

The medical team

Not so clear picture of boy scouts

Wah, flat screen tv, a hamper and a green handbag for the winners. Wait, a green handbag? Ha Ha Ha, I won’t be envy of that!

Fashion is a trend and the fashion industry is a big one. People like to wear fashionable clothes to impress, to give one confidence and to build up one’s image or brand. Yet fashion come and go very quickly. But there is big money to be earned in fashion. If you look at the big names such as Tommy Hilfiger, Marc Jacobs, Donna Karan, Calvin Klein, Ralph Lauren, Karl Laggerfield, the rewards can be huge, that is if you make it to the big names. It is nice to look at those names, fame and wealth but one has to start somewhere first. For a starter, begin with the fashion school in new york. New York is the fashion center and naturally fashion schools new york are some of the colleges or schools you should look at. New york fashion schools are popular among the students, as this is where the trend is being created, tested and trial out among the big stars. If they like your style and design, you are on the way to big times.

Sorry for my lack of updates. I been so busy recently. Now, during the campaigning period I had the the opportunity to take quite a number of pictures during those “ceramahs” given by both the ruling party and the opposition. Judging by amount of crowd which turn out during the ceramah held by DAP, it wasn’t surprising that DAP won’t Bandar Kuching by a huge majority over BN in Bandar Kuching. Prepare your self because this is an extra long post with lot’s of pictures!

I’ll start with DAP

The DAP trio who won, Kenyalang, Batu Kawa and Batu Lintang in the state election

Flag people doing what they do best, wave flag

“Look at Badawi in this photo! Look at him raising his hand, he think he raise his hand he will win this election?”

“Nah see, look at me, I also raise my hand, now I sure the win election lar?”

The many cars jamming the road of Chong Ling Park

The thousands of people out to support DAP

A DAP future candidate.

Old and young all listening to what DAP have to say

You bet the coffee shop will support DAP!

“We will win Bandar Kuching for the people!”

Did you know that a bottle of DAP mineral water cost RM 1.00? No kidding!

“Thank you all!”

Time to shake hands

Get to know more people

Hey, even the ambassador from Switzeland came to show his support! Ha Ha, look at the flag at his cap.

A video that you can be find in youtube.

All those big big pictures with flag on it.

When numbers are involve you are sure to get their attention even if you don’t understand Chinese! Numbers like “RM 383 291 600. 00″

The next post will be about BN

Congratulation to Jeff Oii and Rocky’s Bru stunning victory in their election. We certainly showed them that bloggers BOLEH! Jeff Oii and Rocky’s Bru are the first blogger turn politician in Malaysia and the world! Again, we showed the world Malaysia Boleh! Not only did both bloggers/politician won but they won by a huge majority! Now Jeff Oii certainly have to change his moto to Thinking aloud, Speaking aloud because he is in the Parliment now! Once again, congratulation. A well deserve victory!

I couldn’t believe my earns and eyes! For the first time, in 50 years, we had a change. A HUGE change. This is just unbelievable. The opposition coalition of PAS + PKR + DAP has won not only one state but 5 states! I repeat 5 states! STATES! The people have finally put them self back in power! By the way, Samy Vellu lost the seat and Gerakan has just been “gerak” by the people!