Saturday, October 24, 2009

Chicken pox disease and more sewing

Both my sons were down with chicken pox few weeks ago and the mader stayed up throughout the nights to give them medication and to sooth their itchiness... gosh! finally it was all over. For the past few weeks, their everyday food were my home cook, and I can't go anywhere besides cooking! Kind of like 'you eat what you cook'... sigh!

According to some old people, they can't take food which could cause itchiness for 4 months, that's a long way to go... But, I start to give them food like egg, some fishes like garoupa fish fillet, shark fillet, no chicken yet. So they switch between rice, porridge, glass noodles, rice noodles and instant noodles - this definitely make my life more easier : P

And i managed to squeeze some time out of the blue to make a few items out of the sewing machine, these are my sons' handkerchieves in Japanese print...


and a sun hat...
I'm a person fansy of hats, but seldom wear them. So, there will be more to come.

Thursday, October 22, 2009

How to become a smarter credit card user?

Money is hard to save, it is as hard as you earn it... agree with me?
Not to mention other people, there's one here : (
Sometimes, there are just so many wonderful things that make us tempted to buy, buy and buy; especially those online store..ayerr... itchy finger, can't resist the temptation, then take out the plastic and with just a few clicks and press on the button - there you go, money gone!

Here's one article in giving us some hints as well as tips to make us a smarter credit card user...

Grade yours on a 10-point scale.

Nobody's perfect. When it comes to our financial lives, we've all done things we later regretted -- whether it's getting slapped with a $3 fee for using an out-of-network ATM or going on a Las Vegas bender and losing the house on an overly aggressive poker bet.

The key is to understand the scale of the transgression. With credit card blunders, that's no easy task -- is it worse to take a cash advance or to pay a bill a day or two late? Experts graded a range of credit card mistakes on a scale from 1 (losing a few bucks to a cash machine) to 10 (losing the house). Find out which worry the pros most -- and which may (almost) get a free pass.

Paying Late
How bad is it? 6
The details: Credit card companies are notoriously prickly about late payments -- even a payment that's late by a few minutes can pile up fees, interest charges and other penalties. Depending on how late the payment is, your card issuer may also report the problem to any of the credit bureaus, which can wreak havoc on your credit score. The good news, says Stacy Francis, president of Francis Financial, is that the error may be reversible. "You do have the option of giving the credit card company a call and asking them not to report it," she says. "If you've generally been an on-time payer, they may waive the fees and not report it."

Paying Only the Minimum on Your Card
How bad is it? 4
The details: Credit card companies love it when you pay off your debt slowly, but you should loathe it. It won't necessarily affect your credit score, but that doesn't mean it's a good practice. Sending in only the minimum payment "is definitely going to keep you in debt longer, and you're going to pay a heck of a lot more in interest," says Francis. "You may be paying twice as much -- or more -- as you would by paying in cash."

More reading here...