Thoughtful words

Life has its ups and downs,
Sometimes the sun shines.
Sometimes the rain lashes,
But it takes both sun and rain to make a RAINBOW.

If you want something you never had, do something you've never done.
Don't go the way life takes you. Take the life the way you go.
And remember ... you are born to live and not living because you are born.

There are no secret to success.
It is the result of preparation, hard work and learning from failure.

Something for sharing.

Credit Control

The new ruling to control and manage credit card spending for cardholders earning RM36K and below in that the maximum credit limit extended be capped at RM12000.00 for two cards. In a move to further restrict their spending, cardholders are only allowed to be a principal from a maximum of two credit card issuers.

The use of the credit card is for convenience and not for uncontrollable spending. Use the credit card wisely and be mindful of the expenses. Cardholders have to discipline themselves and monitor their spending. Live within our means and do not end up accumulating hefty debts.

Something for sharing.

The magic of smile

Your smile comes to me like a morning BLISS
Which gives the joy I don't want to MISS
Your smile is like the sun of my DAY
It fills me with the joy to set me on my WAY
A smile really doesn't cost you a DIME
It won't take up too much of your TIME
So wear a smile and it will take you
M.....I......L.....E.....S