Archive for the Category ◊ Consumer ◊

Author:
• Sunday, December 19th, 2010

Now is the monsoon season and it has been raining heavily these couple of weeks. There were flash floods in Alor Star, Kedah and even along the highways in the surrounding areas. Many homes were damaged due to the flood water and families have to evacuate to higher ground. In the press, the photo was captured showing hundreds of families evacuated to a school hall in Kedah where they rested and waited until the flood water subsided.

In USA, if there is any flash flood, you can have water damage insurance claim austin which is the answer to your problems in such a situation. Homes that are furnished with carpets on low grounds and are prone to flash floods, can contact natural carpet cleaner austin. There is also professional rug cleaning austin that you can contact in case of emergency and flash floods.

On a side note, while I was driving back from Kuala Lumpur for business, there was this huge 4-wheel drive vehicle that over took me on the right hand side and suddenly skidded to the left side of the road blocking my path during a heavy downpour. Then as fast as the vehicle hit the baricade on the left side, it was swung to the right side and hit the divider and spun for a while before coming to a an abrupt halt. It was a near accident and I thank God for my divine protection from a potential nasty accident. Most road accidents happen when there is a heavy rain and inexperienced drivers tend to speed.

Author:
• Thursday, December 16th, 2010

Now there are so many sites offering instant payday loans for your Christmas shopping this year. I think I have over spent this time but most of the money will go to my life insurance policy as part of my retirement plan. So in effect, it is like paying myself which is a form of forced savings. By the way, paying annual premiums is much cheaper than paying monthly or quarterly premiums with about 5% extra charges.

It is very easy to get payday loans no faxing because there is no stringent checks unlike other personal loans or bank loans for business where you have to show proofs of documents in black and white. And to get loans, you must not be a bankrupt. You also need to have clean record of paying your credit card bills on time every time. There is a system put in place to show the type of paymaster your are – good or bad. If you pay your credit card bills on time most of the months, then you will have a better standing with the banks to get future loans for personal use or for your business. You can check out the links given here like payday loans online if you need extra cash to spend this coming Christmas.

Author:
• Thursday, December 16th, 2010

December is the time where many people need extra money for their Christmas shopping or year end overseas trip with their children during the long term school holidays. Some people may need payday loans to help alleviate their being short of cash to spend this December. Most companies give out their year end bonuses to their employees for their loyalty and hard work during the earlier months of the year.

When you are short of spending money this coming Christmas, payday loans will come in handy. There are so many web sites offering payday loans with no conditions attached other than you are required to pay back your loans eventually with interests. Christmas is a time of giving for the parents and time of receiving for the children. Christians around the world celebrate this season of joy and merriment with parties, Christmas carolling, and some will take the opportunity to do charity.

As for me, I might go to an orphanage and give out little presents to the orphans in Penang. But that is just a plan in the making. Recently, I was contacted by Citibank credit card representative who offered to give me an advanced loan to spend this December when they noticed a much much higher money was charged to my card for a brand new 32 GB iPhone 4, Orient Rewards discount vouchers, UniAsia Life Insurance Policies and some spending at St. Michael’s in Sunway Pyramid. In total, I chalked up more than $8,000 in credit card bills within a short period of time! In future, I have to be more cautious of my spending and not to spend too frivolously with my hard earned income. Money does not grow on trees and it requires your blood, sweat and tears to put bread on the table and to give allowance for the maintanence of the home to my retired parents. But thank goodness, I am blessed with more than enough to spend and do not require the advance pay day loan.

Author:
• Thursday, December 16th, 2010

This December, I have spent the most for the year in 2010. Recently I bought an iPhone 4 for $2,600 which I have happily been using since then and about $5,600 in Uniasia Life Insurance which is a joint venture between DRB-HICOM in Malaysia and UOB bank in Singapore. The sum assured is $46,000 for 2 policies. I also bought small souvenirs as Christmas gifts for my family like various flavored shower bath in small tubes from St. Michael’s in Sunway Piramid. So it is not surprising that Citibank contacted me yesterday for payday loan. They must have checked that my credit card charges are exorbitant this month unlike other previous months and that is why that contacted me to check if I need Cash Advance Loans from them.

Total, I have spent more than $8,000 in 1 month and that is a whole lot of money! Also paid $498 for Orient Real Rewards where you get discount vouchers to stay in hotels and dining all over Malaysia. But I paid for it mainly for the free $200 medical checkup with blood test and cholesterol test in Adventist Hospital in Penang. If they have exagerated all the offers and the medical checkup, I am going to cancel this transaction next year as I agreed too fast on the phone since the telesales marketer put it so attractive on the phone. Canceling my transaction is easy! Just write a letter and fax over to Citibank for the transaction to be off for the following month and don’t pay for it.

There are a few links that offers No fax payday loans for you to check out if you are short of cash and need spending money this coming Christmas. I am lucky, I have access cash to spend and don’t need to get loan at the moment. But I have to certainly watch out my spending in future and not be so frivolous in using my credit card.

Author:
• Saturday, August 28th, 2010

If you don’t have enough money to invest in gold bars, then you might want to consider opening a gold investment savings account (GSA) with your bank if they provide such services in the first place. Gold is a good hedge against inflation and the price keeps increasing for the last 10 years from statistics. From a price of $20 a gram in the 1970s, the price has shot up to $130 a gram now. That is why I invested some cash to open a GSA account early this year and the profits can only be withdrawn at least 1 year later. Right now, I have a gold coin of half ounce, some gold jewellery like bangle, necklace, earrings, ring and pendant and they are my prized possesion since I first owned them.

Author:
• Saturday, August 28th, 2010

Scrubs are basically medical or dental uniforms that doctors and surgeons wear before attending to a patient or before surgery. There is a site that sells scrubs of various designs and prints like hot pink scrubs, medical uniform pants and also men’s medical uniforms. Printed scrubs is in fashion and top notch hospitals will invest and order in bulk for their medical professionals. Nurses may also dorn such scrubs when they assist the surgeons in any surgeries.

They make eye candy and look pleasing beside being innovative in their various styles. From plain single color designs to printed designs, scrubs make a great attire for surgeries. Patients who see their doctors wearing them will inadvertent like it and place more trusts in their medical professionals. For myself, I would love seeing my doctor taking the bother to wear printed scrubs before attending to me and these small things certainly speaks volumes on the efforts put in by the medical centres or hospitals.

This is just like bringing in fashion to the medical wards where both the patients and surgeons interact prior to a surgery. Children will certainly love to see the printed designs of many colors and be attracted to the eye-catching scrubs. This is one of the ways to bring in repeat customers and to ensure a happy patient.

Author:
• Monday, August 16th, 2010

When I was in between jobs, I did study to become an insurance agent and passed the test. But I did not practise it and shortly after, I found another job. It was interested to note the different insurance terms like endowment, riders, etc. I have bought a policy for accident and illness insurance under Prudential, of which the premium is paid monthly and deducted autocmatically by my credit card.

If you have aged relatives about to be called home by the Lord, you can also arrange for cheap funeral insurance to cover your expenses. So far, I have 3 affordable life insurance policies by different companies – Maybank, Prudential and Air Asia, costing me not more than RM300 a month. I support buying life insurance because whenever there is an accident, or the discovery of critical illness or dreaded disease, you can be covered by the life insurance company which will pay for your hospitalization and medical bills. This will prevent your savings from depleting too soon all of a sudden.

Be sure to check out which illness are covered by your insurance companies as not all sickness is redeemable. Hence, the insurance company may not agree to pay for things like gastritis, etc. But a good insurance coverage should be comprehensive and cover all hospitalization costs.

Author:
• Tuesday, March 23rd, 2010

I have bought quite a few items from eBay before and they are reliable. I am happy with the products that I received from the sellers. Who knows, this time around I might try other places like Online Shopping Store such as Shop Wiki. I might just hunt for Clothing for Women and look for my size at XL since I have put on some weight. And for those who are environmentally conscious, they can try Eco Fashion from the link given.

Online shopping is very convenient. You can shop and have the products delivered right to your doorsteps at the touch of the keyboard or mouse. And you can do all these at the comforts of your home. To buy online, you need to have a credit or debit card so that you can type in the number, your name, expiry date, etc. Shop Wiki has safe and secure payment gateway that you can rely on to make your purchases online.

It has been some time now since I made my last purchase online from eBay. This time around I will just surf and browse Shop Wiki for anything that might interests me. Buying online is very safe as long as you know who you are buying from. Your credit card details will not be used elsewhere if you buy from trusted merchants.

Author:
• Wednesday, February 17th, 2010

Gold is closely linked to Chinese New Year which started on 14th February 2010 which also happens to be Valentine’s day. The Chinese will put up red banners and lighted lanterns on their doors and houses to mark the occasion and celebration. Many will also buy gold bullion for investment and to hedge against inflation. If you do some research, you will notice that the price of gold has been increasing steadily for the last 10 years and will continue to do so for a long time to come. That is why I am thinking of opening a Gold Savings account to invest in Gold bars from Public Bank in Penang. As it is now, I have a nice gold necklace, gold bracelet and designer’s signature gold ring which were bought from Tomei last year and it has cost me thousands of ringgit which were part of my savings for the last few years of working.

Author:
• Thursday, October 09th, 2008

I wear eyeglasses since I was in primary school before reaching 10 years of age. That was a young age to start wearing glasses, but I guess I was a bookworm and love to read text books in my younger days. That resulted in my short sightedness or myopia with a power of about 200 degrees on the left eye and 250 on the right one. Recently during my window shopping rounds in Gurney Plaza, I got myself quite an expensive pair of glass with transition lens that are able to transform to dark glasses under the glare of the sunlight or ultra violet rays. It was half framed glasses and my lens alone cost me a bomb.

When my mom heard that I agree to pay RM1,550 for the glasses, she hit the roof. Since I had already paid RM400 as deposit, the good thing is that she marched to the spectacles shop and politely requested for a further discount which after much haggling, it was reduced further by RM150. It is good to have a mum like that as I saved RM150 because of the second visit to my shop. It was a difficult position for the spectacles shop supervisor as he had to write a special report on why he agreed to reduce to a further RM150 after the price has been agreed upon with deposit payment. But like all boss’s children, I guess he will be let off easily. He kept reply my mom that he does not know what to do when she pressed him for further discount. That was rather humorous.

If I had known that ZenniOptical.com sells Stylish Prescription Glasses Online from $8, I would have checked this site out instead of paying a bomb for the same thing. It seems that you will find a huge selection of frames, with single vision lens, sunsensor (potochromic) lens, tinted sunglasses lens, bifocal lens and progressive lens. The Secret to their Low Prices is that they sell only their own manufactured frames direct to the customer, with no middlemen and virtually no advertising budget.

Also, they have new frames that have just arrived. And you can also check out their site and add comments here.

Author:
• Tuesday, September 18th, 2007

There are New Football Helmets like Schutt ION 4D, SkyDex 2 and more. They protect the head during the game of constant contact and impact. Football is a popular game in U.S.A. and many people have tune in to watch this game on television. It requires motor skills, fast thinking and coordination. There is also constant contact with other players, hence you need the protective gears. Challenge sports drive the adrenaline to the body for fast action. Check out the links above to find out where you can buy Schutt products from your nearest retailer. Simply select the product that you like, and enter your zip code for the addresses for the nearest Schutt retailer in your area. They have a wide repertoire of sports products in the web site with pictures included. If your kids play sports, then it is about time you surf the site just in case you may need to purchase the items for him or her.

Author:
• Sunday, September 02nd, 2007

In Singapore, I love to go window shopping in Robinsons for Bedding linen. There was a wide selection of duvet, comforters and bed sheets during the Great Singapore Sale. Now you don’t have to fly down to Singapore for the wide selection of bedding linen. You can simply click on Teen Bedding from Vision Bedding and buy online with your credit card.

There are so many varieties of designs for you to choose from and each selection comes with a beautiful photo of the Teen Bedding with different sizes like queen duvet, king duvet, twin duvet and more. Each photo comes with the price tag and you can add to cart to buy online using your credit card.

In fact, I am tempted to buy one myself from the selection as I have yet to see such colorful yet beautiful scenery of the beach in one of the designs from the web site. In Malaysia, such items are limited with the comtemporary pictures and safe colors. But here in this web site, you can find bold colors that stand out from the rest and will certainly make your bed room more cosy with a personal touch. There is also Skateboard Bedding from this site full of bedding items for your online purchase

Author:
• Friday, August 31st, 2007


Using wrought iron to decorate your home is a good idea to add exquisite touch to the furnishings. You can also have wall hooks & bookends from Wrought Iron Haven dot com. Most mansions have wrought iron gates that makes the place look majestic. In Penang, there are several such homes as I bypass the place occasionally. Wrought iron is a much sought after item as the intricate designs of curves and flowers give an elegant touch to any house. Ranging from over 1,300 items, the web site offers a wide repertoire of wrought iron products from its store.


By the way, I know about a secret WROUGHT IRON GARDEN GATE backdoor on the website that gets people a great discount! Simply go to the homepage halfway down and click on the comma in the line that reads “Our Store now has over 1,300 home & garden items for you to choose from!” Now, that’s a broad hint for you to do your online shopping for wrought iron products ranging from stationary, wall decorations to the garden and gate.

The web site comes with a nifty shopping cart that is linked to a safe and secure payment gateway for you to make your purchases online using your credit card. What better way to buy than to use the internet! And have the items delivered right to your doorsteps.

Author:
• Tuesday, August 07th, 2007

After my recent trip to China and visit 3 places like Beijing, Tianjin and Chengde, I might just add digital picture frame to my photos and snapshots of China. I have taken many beautiful photos and plan to have 4R size photos printed out and compiled in a big photo album for posterity. I have also seen the giant panda and took photos of them. They are so cute with the ubiquitous black and white fur.

Digital photo frames added to your pictures certainly make the photos stand out and more attractive. They look like those that are hung on the walls with expensive looking golden metal frames. You can have different colors and designs of the frames to suit the occasion taken of the photos. What’s more? After adding the digital photo frames to your pictures, you can store them in a CD like a photo album for viewing later on. You will save plenty of space and able to store hundreds of photos in a compact disc.

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