I bought my first semi precious stone jewelry today. Some people (mostly Chinese) believe that gems are nature’s storehouse of energy. Gems have the power and energy to increase one’s mental abilities, psychic powers, bring immense good luck, great fortune, eradicate problems, and remove hurdles in all major of life.

Anyway, I was having dinner at the Curve with Aree - whom I haven’t met for ages. We had this really filling meal at Sakae Sushi with the bill reaching about 80 bucks. After that Aree was looking for a toilet and she passed by this stall selling gemstones. She started trying on necklaces and earrings

I caught my eye on this anklet. Looked at the price and it was RM60. RM60 for an anklet?!? I looked at other stuff then went back to look at the anklet. Spent like 15 minutes just touching it and walking away. LOL! People say that if you feel drawn to a certain gem/stone jewelry you should get it. So yea, I decided to get it.

The anklet consists of Lapis Lazuri (blue), Amethyst (purple) and Calcite (white). Apparently Lapis Lazuri is for Love, Protection, Power, Healing, Amethyst for Power, Protection, Healing and Calcite for Cleansing, Healing. But actually what’s more important is that I really like it

I had to add about 8 more beads (which cost extra) to make it longer and I also changed the clasp and chain to a silver one because I’m kinda rough (no! i dont mean in bed) so I don’t want the chain to putus. So all in all, including a discount from the nice owner, it was RM79.

But it was oh so nice…

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Oh, I was so surprised to receive this in the mail. Its a cheque for USD 31++ from Text Link Ads. Ah, i made a mistake of not setting it to payout to my Paypal. Now I need to bank it in a local bank here and pray that they don’t charge too much so that I can still get some of that 30USD. For all I know, I might only have RM30 out of the whole thing. LOL!

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Money is such a huge driving force in our world today. Sadly some people can’t control their spending and loan habits that they tend to not manage their money and fail to pay their loans - be it credit cards, bank loans or mortgages.

The worst part about it is that, after failing to pay one, you’d be blacklisted and that makes it difficult to deal with banks if you need to in the future. Thus you have to look very hard for banks that offer bad credit loans.

Not only that, you have to look around for ways to repair your bad credit by improving your credit score and consolidating your debts.

Moral of the story? Manage your finances wisely

Its quite a hassle having bad credit. I remember late last year I had to use my name to register for a postpaid 3g line for a friend of mine because he got blacklisted by not paying his bills (he was renting a house with friends then moved out but forgot to cancel the house phone line which was under his name).

 
Example of credit cards for people with bad credit.

Bad credit happens when you fail to repay loans or declaring bankruptcy. Lucky for BadCreditOffers you can compare and contrast dozens of bad credit offers - like credit cards and bad credit loans - from major providers and find the best offer that fits your needs. Makes life easier doesn’t it?

How nice to be your own boss right? Have your own business specializing in the things you love and want to do. But it is hard work. Besides all the physical labour, you have to think about employees, location, advertising and most importantly, Business Financing.

Here’s where EZUnsecured comes in. They are a nationwide Business Financing Consultant that helps you apply for loans to get fast funding. They have been specializing in it since 2002 and can ensure an easy process for your applications. They offer unsecured loans, lines of credit and credit cards.

So if you want great service, just turn to EZUnsecured.

Do you know how expensive education is nowadays? My current semester tuition fees are about RM7,000 and that doesn’t include books which cost around RM80 per book. I have 4 subjects that require text books so the total adds up to RM 7,320 per semester, equivalent to RM14,000 a year. Include transport, stationary, food and other miscellaneous stuff, it can cost up to RM16000 a year. Thats quite a lot, and only for one child. I’m currently under the PTPTN loan which helps in financing my education, but unfortunately would take me years to repay back.

However, there is a place to get Cheap loans, not only for student loans but also Personal Loans and secured loans. This website allows all students who start up in college or university to apply for a student loan, which can be anywhere up to a maximum of £5,175 for every year that they stay in education.

I’m sure the loan offered will be more than enough to pay for my studies. So there’s one huge burden of my parent’s chests and one less worry for me so that I can concentrate on my studies.

My sister, G, is currently applying for loans and scholarships to support her education - she just completed her A-Levels in Law. She was in my room the other night trying to fill out forms to apply for the PTPTN loan and was a bit confused. Then I was wondering, how nice would it be to have a website which listed down the types of scholarships available.

There is a place to get access to an extensive list of financial scholarships. And its so easy to use, you just register using your email. Then they will ask you for your current year of study (and when you’re expected to graduate) and whether or not you are a US citizen. Then you can search for any types of scholarship you want to the university or college of your choice.

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