Today, I cancelled 2 HSBC credit cards due to the additional government charge of $50 for each card per year. I still have 4 credit cards which I intend to cancel some more and keep only 1 or 2 credit cards. I only use HSBC credit card 4 times in a year and this does not justify for me to maintain the cards for so many years before the government service charge was announced early this year.

Just the other day, I was window shopping in Gurney Plaza, Penang’s upmarket lifestyle shopping mall along Gurney Drive and saw very nice cufflinks. The cufflinks are made of metal like silver or stainless steel that does not corrode. You can check out on cufflinks by clicking on the links given and read more about them. Who knows, you might like to purchase them online as well using the safe and secure payment gateway.

I also went to SOCSO on my own for the first time without my parents accompanying me this time around. And I save money on treating them expensive lunch for each trip that they come with me. It is so nice to be independent now and no longer do I have to wait half an hour for my parents to get ready and go out. The parking was easy too as there were no cars around at the time I went there. There were ample parking bays in the SOCSO compound.

And this afternoon, I have written 2 checks for EPF or Employees Provident Fund for the contribution of the employees and also another check for SOCSO insurance payment. I also wrote a third check to pay off my Citibank credit card for this month. I always make sure that the bank receives my credit card check before the due date so that I will not be charged extra 17% interests per month for late payment! This is very exorbitant and I don’t want to incur unnecessary charges.

I have bought 2 Business books last week on finance and how to grow your money. There are also executive book summaries that you can view in the internet done by someone who comes from a poor family but make good and doing well now being author and business consultant. The executive book summaries are quite comprehensive and are in pdf format, so they can be read through the computer. Books can be your best friends. They give you knowledge that you would not get from your family or friends. Knowledge is power, which is a famous tagline anywhere you go in Singapore. That is why Singapore is so progressive and advanced compared to Malaysia with its very narrow-minded racist politics being practised since Independence Day.

Did you know that Singapore’s Minister Mentor Lee Kuan Yew got double first class honors in Law from Cambridge University and his departed wife also got first class honors? Under the leadership of such a smart intelligent man, Singapore is what it is today, thanks to Lee Kuan Yew. But not every citizen is happy with his policies that keep bringing in foreign talent to the country so that it can prosper further. They find they have to face with stiff competition who are willing to work for less pay and work harder.

If you do business on eBay, you need to invest in shipping supplies like shrink wrap, poly bags and mailing tubes, amongst others. There are many millionaire eBay sellers who are platinum holders. These people are serious in their work via eBay and are trusted suppliers from happy, satisfied and discerning clients. They start from small and slowly grow their online business to become multi-millionaires. They buy professionally-made eBay templates and upload them to eBay with minor changes to the information and the web site acts as their shop front to attract customers from around the world.

eBay is a good business to turn to especially for those who are retrenched or unemployed and jobless. There is no free lunch and you cannot depend on the government to feed you all the time. Money has to be earned and not expect to be given out freely. That is why you should teach a man how to fish and not give him fish. If you teach him how to fish, you feed him a lifetime. If you give him a fish, you feed him for a day! This was the idiom my father used to tell me very often when I was small, so I will always remember his wisdom.

I used to receive many greeting cards during Chinese New Year in my school days. There are also various designs that you can choose for the birthday cards or greeting cards like Mid Century Design or Personalized Holiday Cards and Modern Invitations. The cards are a perfect reminder of the people who love us to care enough to send cards to us. We should always keep them for life and cherish the moments with our loved ones and friends. As for me, I have lost count on the number of greeting cards that I have received over the years but it is a tradition in my family to send each other a birthday card once a year.

They are a poignant reminder of the thoughts and care sent by the sender behind each card. And it is not the value of the card but rather the thought behind it that counts. When I was small, I used to make birthday cards for my parents, scribbling them, and colouring them with pictures and textures. My parents have also sent me for Art tuition in my school days and I have won Art prizes twice before in my school. My posters were pinned up along the high traffic staircase where every student can see the product of my work.

My background is in Information Technology which I graduated in 1994 from Nanyang Technological University in Singapore. I have worked in some companies that practise IT security compliance and used network and security in their computer systems with mainframes and servers all interlinked together. They also have network security software installed for protection and robustness. Gone are those days where I worked in the IT area. Now my work involves mainly administration and finances like calculation of worker’s pay, typing quotations, replying emails, printing enquiries and diagrams and updating the company web site with more reference projects.

I have been gainfully employed in the same company for 7.5 years already since 2004 and will never look for other opportunities as I love my current job. There are some perks here and there and these has kept me very satisfied. Since I work in a home office, I am literally my own boss, commanding the hours that I work by. Sometimes, when I am tired, I can also go upstairs to take a short nap or read newspapers to be kept updated on current issues. Despite all these freedom, my boss knows that I am conscientious and will never take advantage of the situation. This is because I get the job done every day.