Hey it's christmas time!!!! I don't celebrate christmas but i do like it. Reason? First of all, my friends do celebrate christmas and i'm happy for them, 2nd of all, It means day-off the office, and 3rd of all since it always and will always 6 days before the New Year!
I send e-mail to some friends, i'm hoping that they would feel the holiday spirit and as happy as i am now.
A day after christmas, i was attending my best friend wedding party, uh i forgot to bring my pocket cam.. but i will ask my friend to share some of the photos to be publish here.. My friend, Afny, she was in the same class with me when i was in University, we also stayed in the same residence. It was great to saw her in that beautiful white dress. Happy Wedding Afny!
Prepare for next week. I'm going to visit my brother in law's house, he invited us to have a barbecue night. I'm going to bring some snacks and also Starbuks maybe, it's going to be fun! Family time!! I'm thinking about Sirloin, Chicken Fillet, some Shrimp satay, barbecue sauce and blackpepper sauce!!! My husband is gonna love it!
What's your plan?
Happy New Year!
Dec 29, 2009
Dec 7, 2009
Bandung HR gathering
Just got some pictures from last month gathering in Bandung. I actually brought my own pocket cam, but Adit (this is all your fault Dit!!!!) accidentally switched the camera to 'video mode' and as result: all the picture i have was minutes of shaking video..
This was the starting point... (my office)
we took a bus from here to Bandung.
In my bus (since there were actually 4 buses heading to bandung at the time). Please notice, the red uniform we were wearing at that day was not the same with daily uniform we have.
We call this meeting with 'Open space meeting' where we can walk here and there, giving some suggestion, wrote some topics, and let people put some comments on yours, or you can just standing on the corner and enjoying the coffee.
Lets skip the meeting part..
Me and my buddy on the gathering night..
We're staying at a brand new hotel in Bandung named Blahblah.. or somethin.. I have to say that they have s cozy style with minimalist and modern line. They have numbers of meeting room, that's a point for them to gather a specific market: Business people and corporate. The room was also okay, they have King size bed, flatscreen TV, Ac and nice bathroom with outstanding amenities. Overall, sorry to say but i cannot suggest any of you to come again or pick this hotel for your short stay in Bandung.. Why?
I can't stand for the food. It was terrible. i mean it.
For a four star hotel with 750,000 IDR per night (i checked the rate on their website) we deserve better than chicken wings with extra blood (Eeeeewww...!!)
When it came to the cellebration night, we have band and soundsystem setup. On the third song the electricity was suddenly off!!! And the 'boooo sound' coming from all the audince, it was only few seconds until the electricity trouble solved, but then, again, the same trouble came again and again, it was occured probably five times!!!! OMG.. This is suppose to be a four star hotel, don't they have a generator set to backup electricity problem??
Most of the participant go for another fun time in Bandung, the night was long and it was an opportunity to relax.. Some of them went to carry on karaoke or clubbing, or just hang-out in 24 hour coffee cafe. Me? I stayed at the hotel.
I was bloody tired and prefer a cartoon show or something at AXN or HBO to watch. The remote control was on my hand but nothing appear on that flat TV screen except a blank blue screen!!!!
Actually we also had this race called 'Cultural Race', it was like Amazing race as seen on TV, but we customized the racing area to smaller scope. I don't have the racing pictures except this one, at the zoo (the starting point:
This was the starting point... (my office)
we took a bus from here to Bandung.
In my bus (since there were actually 4 buses heading to bandung at the time). Please notice, the red uniform we were wearing at that day was not the same with daily uniform we have.
We call this meeting with 'Open space meeting' where we can walk here and there, giving some suggestion, wrote some topics, and let people put some comments on yours, or you can just standing on the corner and enjoying the coffee.
Lets skip the meeting part..
Me and my buddy on the gathering night..
We're staying at a brand new hotel in Bandung named Blahblah.. or somethin.. I have to say that they have s cozy style with minimalist and modern line. They have numbers of meeting room, that's a point for them to gather a specific market: Business people and corporate. The room was also okay, they have King size bed, flatscreen TV, Ac and nice bathroom with outstanding amenities. Overall, sorry to say but i cannot suggest any of you to come again or pick this hotel for your short stay in Bandung.. Why?
I can't stand for the food. It was terrible. i mean it.
For a four star hotel with 750,000 IDR per night (i checked the rate on their website) we deserve better than chicken wings with extra blood (Eeeeewww...!!)
When it came to the cellebration night, we have band and soundsystem setup. On the third song the electricity was suddenly off!!! And the 'boooo sound' coming from all the audince, it was only few seconds until the electricity trouble solved, but then, again, the same trouble came again and again, it was occured probably five times!!!! OMG.. This is suppose to be a four star hotel, don't they have a generator set to backup electricity problem??
Most of the participant go for another fun time in Bandung, the night was long and it was an opportunity to relax.. Some of them went to carry on karaoke or clubbing, or just hang-out in 24 hour coffee cafe. Me? I stayed at the hotel.
I was bloody tired and prefer a cartoon show or something at AXN or HBO to watch. The remote control was on my hand but nothing appear on that flat TV screen except a blank blue screen!!!!
Actually we also had this race called 'Cultural Race', it was like Amazing race as seen on TV, but we customized the racing area to smaller scope. I don't have the racing pictures except this one, at the zoo (the starting point:
Dec 4, 2009
Ignoring the Credit Card billing
Just open today's yahoo and found this article, prety much interesting the title it has : Ignore Your Credit Card's Minimum Payment
To me, this is a good reading in the morning. With a cup of cappucinno it's very refreshing, original, and who knows if it is work, maybe we can manage our financial strategy in a better way next year. Wanna have a look? I just copied the article below..
Ignore Your Credit Card's Minimum Payment
by Dayana Yochim, The Motley Fool
Tuesday, December 1, 2009
provided by
Does this article's headline sound like heresy? Does it smack of the worst financial advice of all time?
That's exactly what credit card companies hope you think.
Consumers have been conditioned to pay attention to one thing when they open their credit card bills: the minimum payment due. But that minimum payment is just a smokescreen to distract you from the numbers that really matter -- how much you owe overall, and the interest rate the bank is charging you.
Pay the minimum the bank requires to keep your account in good standing, and when you retire you'll still be paying off that pizza you ordered during your freshman year. Simply doubling that minimum payment can significantly shorten the payoff time – not to mention the price tag of that pizza before it ends up costing you $1,000. Here, use this credit card calculator to see for yourself.
As long as I'm picking apart some old rules of thumb, let's talk about another one that deals with which credit card you should pay off first.
Actually, Ignore the Interest Rate for a Moment, Too
If you carry debt on multiple credit cards, concentrate first on paying down the one that's closest to being maxed out.
Why not pay off the one with the highest interest rate? Or maybe pick off the one with the lowest balance so you can start your debt-payoff plan with a win? Sure, financially and psychologically, both of those tactics make sense, but if you want to improve your credit score -- and who doesn't? -- you first need to pay down the card that's charged up the closest to your credit limit.
The credit world likes to constantly measure how you handle your debts. And when your debt-to-available-credit ratio starts creeping above 30% (e.g., carrying $3,000 in debt on a card with a $10,000 limit), red flags start waving and your credit score takes a hit. That single measurement counts for 30% of your overall score.
So job No. 1 is paying down any debt that's bumping up against the limit. Once you get the ratio down to less than 30%, then start paying down the card that carries the highest interest rate.
Now, you might be wondering exactly where you're supposed to get the money to pay down those maxed-out cards. Glad you asked.
Raid Your Savings Account and Put It to Better Use
Yup, you read that right. I'm not being flippant. I am fully aware that in these tough times, everyone should have a cash cushion for emergencies. But maybe your emergency fund doesn't need to be quite as robust as you think it does.
An emergency may or may not happen. But credit card debt is very real, and very right now. If you have a fully funded emergency account, devote some of it (note that I said "some," not "all") to paying down your credit card balances. And if you have other cash "investments" sitting stagnant and earning just a pittance in interest, there's definitely no better actual investment than paying down a credit card that's costing you 14%-plus interest, as opposed to earning zero-point-something in interest.
Meanwhile, consider supplementing your emergency savings with an "emergency credit card" that has no balance and is set at a low interest rate. Then if an emergency does indeed occur (and we're talking about a legitimate emergency, not a shoe-sale or waxing "emergency"), then you can cover it and not break the bank if you need a few months to pay off the balance. If an emergency doesn't arise, well, then the cash you've put toward paying off your debt in the meantime is an even smarter investment for your future.
In person, Fool.com writer Dayana Yochim isn't as preachy as she sounds in print. Except on the topic of credit card debt.
More articles at http://www.fool.com/
Have a good day!!
To me, this is a good reading in the morning. With a cup of cappucinno it's very refreshing, original, and who knows if it is work, maybe we can manage our financial strategy in a better way next year. Wanna have a look? I just copied the article below..
Ignore Your Credit Card's Minimum Payment
by Dayana Yochim, The Motley Fool
Tuesday, December 1, 2009
provided by
Does this article's headline sound like heresy? Does it smack of the worst financial advice of all time?
That's exactly what credit card companies hope you think.
Consumers have been conditioned to pay attention to one thing when they open their credit card bills: the minimum payment due. But that minimum payment is just a smokescreen to distract you from the numbers that really matter -- how much you owe overall, and the interest rate the bank is charging you.
Pay the minimum the bank requires to keep your account in good standing, and when you retire you'll still be paying off that pizza you ordered during your freshman year. Simply doubling that minimum payment can significantly shorten the payoff time – not to mention the price tag of that pizza before it ends up costing you $1,000. Here, use this credit card calculator to see for yourself.
As long as I'm picking apart some old rules of thumb, let's talk about another one that deals with which credit card you should pay off first.
Actually, Ignore the Interest Rate for a Moment, Too
If you carry debt on multiple credit cards, concentrate first on paying down the one that's closest to being maxed out.
Why not pay off the one with the highest interest rate? Or maybe pick off the one with the lowest balance so you can start your debt-payoff plan with a win? Sure, financially and psychologically, both of those tactics make sense, but if you want to improve your credit score -- and who doesn't? -- you first need to pay down the card that's charged up the closest to your credit limit.
The credit world likes to constantly measure how you handle your debts. And when your debt-to-available-credit ratio starts creeping above 30% (e.g., carrying $3,000 in debt on a card with a $10,000 limit), red flags start waving and your credit score takes a hit. That single measurement counts for 30% of your overall score.
So job No. 1 is paying down any debt that's bumping up against the limit. Once you get the ratio down to less than 30%, then start paying down the card that carries the highest interest rate.
Now, you might be wondering exactly where you're supposed to get the money to pay down those maxed-out cards. Glad you asked.
Raid Your Savings Account and Put It to Better Use
Yup, you read that right. I'm not being flippant. I am fully aware that in these tough times, everyone should have a cash cushion for emergencies. But maybe your emergency fund doesn't need to be quite as robust as you think it does.
An emergency may or may not happen. But credit card debt is very real, and very right now. If you have a fully funded emergency account, devote some of it (note that I said "some," not "all") to paying down your credit card balances. And if you have other cash "investments" sitting stagnant and earning just a pittance in interest, there's definitely no better actual investment than paying down a credit card that's costing you 14%-plus interest, as opposed to earning zero-point-something in interest.
Meanwhile, consider supplementing your emergency savings with an "emergency credit card" that has no balance and is set at a low interest rate. Then if an emergency does indeed occur (and we're talking about a legitimate emergency, not a shoe-sale or waxing "emergency"), then you can cover it and not break the bank if you need a few months to pay off the balance. If an emergency doesn't arise, well, then the cash you've put toward paying off your debt in the meantime is an even smarter investment for your future.
In person, Fool.com writer Dayana Yochim isn't as preachy as she sounds in print. Except on the topic of credit card debt.
More articles at http://www.fool.com/
Have a good day!!
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