This drug I'm taking right now is really addicted and I'm strung into it.
Want to stop but I can't help it, I love the way it feels.
This got me stuck between my fantasy and what is real.
I'm so into the feeling and getting obsess of it, even I know it's wrong but I won't stop.
That's the sweetest drug!
Nobody will know what drug I'm taking! HaHa
Shit, Fuck, Fuck Up....my boss cut my salary because of paying my motivation course!!! I'm very very broke this coming month, how am I going to survive for this month?
Please help me!!!
I never knew that my housemate always cause problem to me, if i say leave the housemeans just leave the fucking house lar...What for he wants house contracts, phone contracts and internet contracts? Always giving me troubles, I realy hope that I could call the police and send them to jail straight away. I'm really regret for asking them to stay with me.
By th way, anyone wiling to let me screw nicely (verbally) to release my anger?
Why is my salary that low? I've work hard, I've struggle to have a better life and Kat's pay is higher than me 1k....She's younger than me 2 years, how am I going to win her heart with just a low pay?
Common sense how to tackle a girl whose pay is higher than you do? That is so ashameful thing to know and now I know why I got an indirect rejection. Give me 2 years I will gain much experience and knowledge before I change for a better job, but currently I will stick to my job for 2 years for experience before persuing for AM post.
Thinking back of the AM post, fuck I'm stupid that I rejected that fucking post!!!!
I have found this very intersting to those planning and having credit cards at the moment, this might help us avoid from getting debts.
Dirty Secret 1 – Minimum Payments = 35+ years of repayments.The minimum monthly payment used to be 5%. That caused a problem for the credit card issuers. Folks were being forced to pay off their balance too quickly, PLUS the cost of that 5% minimum made people wary of running up high bills. The solution was genius. Institute a 2% minimum payment. Not only will people splurge more because they have to pay less back each month, but it adds thousands of dollars in interest and increases the repayment time by DECADES. Sneaky doesn’t even cover it.
Dirty Secret 2 – A late payment to ANY creditor can skyrocket your APR.I’m not talking here about just your credit card payment being late. If you miss a car payment, mortgage payment, cell phone bill, in fact any payment, your APR can automatically increase to the massive default APR, which is usually 25-35%. Even if you’re ON TIME with your credit card payments, a late payment anywhere else can instigate this penalty. It’s known as the “Universal Default Clause.” Supposedly, it protects the credit card issuers from folks who are credit risks. Like these multi-billion dollar companies need protection from the little people.
Dirty Secret 3 – There is NO LIMIT put on late payment charges. This is something no other industry could get away with. You’d think there would be some kind of law preventing the banks from charging loan shark penalties, but there isn’t. Be just one hour late for a payment and instead of a $5 or $10 fee (which, prior to the 1996 Smiley vs. Citibank case, was the limit), you’re looking at least $30. Mine charges $36. Many financial analysts believe that with no cap on these fees, they will easily rise to $50-$60 in the next year. And remember, when you’re late they’re also killing you with a huge APR. Double whammy.
Dirty Secret 4 – There is also no federal limit on interest rates.Don’t you find it odd that in a time of very low interest on anything from car loans to mortgages, credit card companies can hand out APRs that embarrass loan sharks. Well, it’s not unusual to see 34.99% APRs, especially as a default rate, and the reason is simple. Most credit card companies reside in states like South Dakota or Delaware. States that have very weak or even no “usury laws”. So, there’s no cap on interest. By law, there’s nothing to stop them charging whatever interest they want. Here’s a map that links to the locations of top 10 credit card issuers.
Dirty Secret 5 – You can often pay interest TWICE in one month.This one’s called “two-cycle billing” and it’s also a completely legal loop-hole. Let’s say you pay off the balance of your card in full at the end of one month, say April. But in May, you don’t pay off your complete balance. Boom, some credit card issuers will charge you for two months’ worth of interest. Aren’t they lovely?
Dirty Secret 6 – Grace periods are getting shorter...or being eliminated.Remember the good old days, when you had 25 days to pay off your balance without incurring charges? Well, those could soon be a distant memory. Some banks have already shortened the grace period to 20 days. (Do you know what yours is? It may have changed.) And other banks are doing away with grace periods completely. That means you’re paying interest on anything you buy, the second you buy it, even if you pay off your balance each month. The clock is running folks.
Dirty Secret 7 – Cash advances hit you twice in the wallet.First, as I’m sure you know, you’ll get a different, higher APR applied to your cash advances. But you also get hit with a transaction charge, around 2.5%. Even credit cards that confidently announce “no finance charges” can still bill you for transaction charges.
Dirty Secret 8 – The fine print is a web of deceit.Let’s be honest, these days you need 2 hours and a law degree from Harvard to understand the mumbo-jumbo in the fine print. But try and read it if you can. Because this is where the credit card issuer can hide a whole bunch of nasty surprises. The biggest is scarier than Godzilla on crack. Basically, the credit card issuer can change your APR at ANY time, as long as they give you 15 days notice. No reason required. Imagine if any other industry worked that way, like your mortgage? While you’re reading the fine print, also check for things like purchase protection, lifetime warranty coverage and travel discounts. These may end when your introductory rate ends. And speaking of that, what does your introductory rate become after the teaser period? It could be more than you bargained for, especially if it’s a variable APR.
Dirty Secret 9 – Good payers are called deadbeats!Deadbeat – it’s what credit card companies call those folks who are responsible and pay off the balance each month. They don’t like those people, not one bit. That’s because they make little to no money off of them. No, credit card companies like you to carry a nice hefty balance and pay only the minimum each month. If you’re one of those people, known as ‘revolvers’, you’re part of the crowd that contributes roughly 90% of the credit card company’s income. What a crazy upside-down world credit is.
Dirty Secret 10 – You can demand, and get, a better deal. APR too high? Hate the annual fee? Want a longer grace period? It turns out your credit card company may just have to do your bidding. See, the fees they charge are not considered a necessary cost of doing business, so you can request, firmly, that they be reduced or eliminated. Now, imagine what would happen if we all did that? No wonder they want that one kept secret. And remember, if all else fails, find a lower cost APR card and transfer your balance. You have at least that going for you.
Source from: Wisebread.com
Got summon into my directors room just now, got a long 2 hours talk about the publication and about my performance in the company.
1. Not independant enough, still in spoon feeding situation (at times)...need to be creative and cunning to find more potential clients.
2. Lack of good leadership, and that is why my director is hiring a new marketing manager which I don't see him potential enough to lead me.
3. Still need to polish up my "small talks" with clients to create conversations and relationship.
4. Need to read more politic news and business times to buckle up my knowledge about what going on around me.
And because currently I'm taking media course with my colleague, I need to write a case study to my director telling what have I learn for the past 16 weeks in class.
Please help as I'm dying soon, I need to take a break out of work....
After 5 hard months working in an advertising agency my life is fill with preassure, anxiety, hatred, and anger.
Define the 4 words;
Preassure: Board of directors has been giving me preassure of closing sales and wanted to postponed the publication of the book. Result of doing that might affect the reputation of the company and myself as well.
Anxiety: Let's say my first publication is not out and I have to postponed, i'll be worry and the matter infact people might think I'm a conman because previously I have been shouted so loud in the market. Don't think so there will be trust and confidence between client and agency.
Hatred: Hired the wrong person and they just wait for their salary to popup without hard work while me as their superiors were outside getting screwed by clients taking all their shits to follow up. Lucky today is the judgement day for them! Farhan & Peter, I'm so happy to say "You Are Fired! "
Anger: Management agreed to confirm my post and increase my salary, because of the publication my stuff is still pending! 1 word for the management "Boss when you want to increase my salary?"
After today's meeting I fetch my manager back to his house in Sg Long my mind keep on forcing me to go to Kajang for a light snack, and so I did. I went there alone to realise my preassure, anger, hatred....to my SATAYS! Damn I love satays in Kajang!
