A backstage PASS into MY LIFE!!

Sunday, May 2, 2010

Caution: This blog post is strictly for education purpose only.

This picture represents my point of view of my research.

Credit card is a service provided by Commercial banks

The Interesting fact of this card is that it allows it's users to purchase goods and services which they are only required to pay back at the end of the month.

YOU MUST KNOW!!

You are given the opportunity to only pay back the minimum amount preset by the bank.

OF COURSE!! Your debt does not vanish; it accumulates with an interest rate.

Two event inspired me to carry out a research on credit card:

Poor Management of Credits-----> Late-2000s Recession

RM50 per Card, per year charge by Malaysian Government

Therefore, the purpose of my research is to determine whether credit cards are helping people (Working adults & Students) by allowing deficit spending

Putting them into more debts

The results actually surprised me!!

The Malay Mail had reported the number of bankruptcy due to credit card debt in Malaysia

IS DECREASING

Through the social research conducted, the result shows:

95% of the respondents are aware of their credit card limit.

60% of respondent said that they are aware of the interest rate.

The reason stated are that they plan their expenses well and they always settle all outstanding amount at the end of each month.

Interesting reasons: Not able to settle debt-----> GUILT

A shocking of 80% of respondent pays their balance in full in the end of the month.

This proves that the debts in credit cards are quickly cleared to avoid it from growing

But this is somehow contrasting with an interview made with a Operation Manager of a Bank.

She said that there are about 2/3 of people who only pay back the minimum amount at the end of the month.

In Conclussion

The thesis had been proven wrong =(

(Credit cards are putting people into more debts - EVIL!!)

The statistics and the opinion of the public had shown that credit cards are truely helping the people by allowing deficit spending. The decrease in Malaysia's bankruptcy had, without a doubt proven that credit are putting lesser and lesser people into trouble.

Posted by,

-Mel-

posted @ 3:33 AM |

Sunday, August 16, 2009

Honey, I am Home!!

posted @ 11:34 PM |

Thursday, August 6, 2009

Sorry people.. Had been so busy that i had no time to blog..
Thou I have 12 drafts of essay to do,
But bcos i think about you all, then I take time to blog..
I good right?! haha..

Well, Sometimes i just donno why I have to move out from JB..
I mean, I could have studied in Sunway JB or Singapore what..
Somewhere near home where I have home-cook food to eat..
Where I don't have to do my laundry also.. hehe..
How does it feel when you have to leave behind what you have build,
And then you come to a new place,
and have to rebuild everything without mentioning a word of your pass?!
I am scarped off anything that is from JB..
I could not go for SAB IU day,
My family is going for a vacation tomorrow (August 8)
and i can't go.. Bcos just nice my holidays are next week,
and not this...
Then I can't help out in the New ConnerStone camp by Clara Bcos just nice my holidays are ONE week before the camp... (Sorry Clara)
One more!! Steve ask me to go for Asian Youth Day in.. I donno where..
But it just nice clashes with my Finals.. SO sad right?!

But, I guess God has a mission for me here..
Its like, I have to come here and learn something..
Everything was pointing towards KL..
So I accepted.. and here I am..

Well, KL is not that bad know..
Another words, Its awesome!!
I am kinda used to the lifestyle here..
The things here are so interesting wei..

Recognize this?!?
I Going to MTV Malaysia World stage baby!!
All American Rejects, Hoobastank, Kasabian, Boys like Girls,
And many more will be performing in Sunway Lagoon!!
15 August!! See ya then..

1. MTV World Stage tickets,
2. RM30 of X-Pax Credit
3. A Free Movie pass, and
+ 4. Starbucks Coffee RM10 voucher
------------------------------------------------
RM25 only!!
------------------------------------------------

OMG!! Totally awesome man!!

Last week, I went for a choir concert..
The Lisbon Chamber Choir from Portugal
They were fantastic wei!!
The best choir I've ever heard!!

Then Yesterday (August 6)
Xandra Ooi, who is the Alumni of CIMP came to give us a talk!!
Who is she?
She was the host for Miss Asia and she has her own program!!
So look up to her wei!!
My dream is to be the next Ryan Seacrest!!
I got a picture with her too man!!

And Yesterday was also CIMP's Head Gear day!!
Most of us came to class with something on our heads..
I wore A swimming cap..

But only a few came and take picture..

Throw up your head gear!!

CIMP is the most fun and awesome course wei..
It has a lot of theme days and the classes are fun!!
Everyday, my class will start at 11am and end at 4pm..
How cool is that?! haha..

After following the Lords way-That is to come to KL,
Everything has been smooth for me..
Every weekends takes care of itsselve..
Actually I have to pass up 12 essay drafts Yesterday!!
But I was sick, down with heavy flu and cough..
i could not do any homework bcos I was very sick..
But just nice Yesterday's class turned into Xandra's talk show and today no class..
So due date got delayed to Monday..
YAY!!

I really miss my friends from JB..
from 15 August onwards, I have 9 days holiday!!
Will be going back to JB..
See you all then..
If you all free, do call me k!!

This is Melvin, signing off...

posted @ 8:27 PM |

Tuesday, July 7, 2009

Man, I love college..

Hey guys, I am finally in college d.. Woohoo!!
I check in to my hostel on Saturday.. Boy was that night a tough night to go through..
My room mate wasn't around.. And i was unsure of what to do.. Bcos i am living in the ground floor, there's a lot of mosquitoes!! So i shut the door and i shut the windows.. but as the night goes by, the room got more and more stuffy to a point where i couldn't sleep!!
Then the 2nd night.. Lucky thing my room mate came back from Holidays in Langkawi.. He's a totally cool dude la.. He's from the South Pacific.. I donno which country.. Dad's a Malaysian Chinese and mum is a..... I donno either.. but he's mix too.. just like me!! haha.. We talk throughout the night and it was great..

The first day of orientation..
Went pretty well.. first i registered.. then the guy wrote for me a classroom which i have to find.. Then I waited for Zeke..(The only guy I know that is also attending CIMP) Then we sat out to find out respective class room.. but then soon i realize that the guy wrote a wrong class for me.. He wrote "SE-G-14" which means South East blog, Ground floor, room 14.. But on the ground floor there's only until 8!! By then it was too late.. we had to go for the orientation d.. Then in the hall, it was all talks and talks and talks.. couldn't really remember everything but I tried.. haha.. The highlight was when the speaker that gave the H1N1 talk.. He was suppose to say "suck your thumb" but by the slip of the tongue he said "Suck your cock!!" Man, me and Zeke was laughing like hell wei.. Then after that it was English Placement test.. Boy, this English test was tough wei!! SPM is NOTHING compared to this test..The Objective was tougher than the eaasy.. immagine that!! Then for the essay, we had to write 500 words!! What a way to start college wei!! Haha..

Today, the 2nd day of Orientation..
One word to discribe.. Awesome.. we only had briefing from 10am to 11am, then after that, it was all Fun outdoor activity until 3.30pm!! And I made a few friends la.. Some from Iran, China, Indonesia.. The First activity is like, they gave us 20 location, and we need to snap a picture of it!! It was a bit tiring to run around the whole college.. But still fun thou..

Tomorrow will be the first day in class.. Am looking forward to every single day in college.. And don't worry friends, I'll update my blog so that we can know whats going on in each others life.. You all update it too ya..

This is Melvin.. Signing off!!

posted @ 1:16 AM |

Tuesday, June 30, 2009

Michael Jackson (1958-2009)

I believe a lot of people have blog about the death of our very own King of Pop. Well, so I won't blog about how he died and how much he has contribute to the entertainment world.. But I would just like to share with you the Golden lesson that we can learn from the life of MJ..

Last time, whenever we hear about MJ, we would laugh and joke about him and his nose and how he would melt when he is hot..
There's even a joke where this kid ask his mum,
Boy : Mum, is God a man or woman??
Mum : Nope.. God is not man nor woman..
Boy : Hmm.. then is God black or white??
Mum : Son, God is not black nor white either..
Boy : Then is God Michael Jackson?!?

Thou we all always laugh at him, did you all realize that what kind of life did Michael Jackson lived?! The King of Pop just could not accept who he really was.. in another words, he could not accept HIMSELF.. He could not accept that he was bore a black.. Lets look at this picture of MJ before he went through any plastic surgery..

There was indeed a dramatical change in his looks..

Lets look at the lyrics of the song 'Black or White' that he sang
It don't matter if you're

It don't matter if you're
Black or white.

and

See, it's not about races
Just places
Faces
Where your blood
Comes from
Is where your space is
I've seen the bright
Get duller
I'm not going to spend
My life being a color

He said it doesn't matter, but why did it end up affecting him?! Thou we know, that the people in the pass, always see white as pure.. When I say angel, what colour would you imagine an angel to be?! White.. And when I say Evil, you would straight away imagine Black.. Now, who ever told you that white is pure and black is evil?!

The lesson to learn from the life of MJ is, we got to accept who we really are.. Do not change or try to be somebody else.. Just be yourself and stay the same.. As Martin Jalil says, Don't change, unless you're changing for the better.. Bcos if you don't love yourselve, then how can you ever love others?!

The media world will always influence us in many ways to look "perfect". But hey, everybody will grow old one day.. If someone loves you for how you look, what happens when everything start sagging downwards?! haha.. is he/she still gonna love you then?!

Finally, I leave you with a quote from Martin,

Don't change,
unless you're changing for the better..

posted @ 10:03 PM |

Thursday, June 25, 2009

Had a awesome night with my pals la..
actually while planning this, I was worried not many will come bcos i planned it too last minute.. but end up, 13 of them came!! its was more than i expected!!
The guys, Chin song, Sean Yap, Ker Yun, Weng Zhe, Yee Chong, Ting Kang, Wesley, Phang Shuai,
And the girls, Xue Nee, Janine, Tracy Lim, Yolanda and Cyndy..
Thank you all for making this day, A very memorable day for me..
First we went to a new shop in cs called "Ke ren Lai" and we orded dishes..
we had to order everything to be served in biggest portion!!
But when the food came, I donno whether to laugh or to cry..
It was only enough for like 5 person to eat!!
OMG.. So everybody ate just to tahan the stomach.. then after that, we decided to eat a hawker behind Omega for 2nd round.. and we enjoyed the food in hawker more than in cs..
Wasted la.. but it was a.. Funny experience thou..
Then i also enjoyed chatting with them.. well, i guess this may be the last time to enjoy SAB Class mate's Jokes.. we talk about how Ting Kang brought $1800 to singapore and a dog named Kah(Chun Kan).. and how Kah's phone got...... Ahen.. So?!
Haha!! ps: Linda didn't give me a hug.. sob sob..
Am gonna miss you all very much la.. I'll be back!! Don't worry!! Keep in touch ya!!
You all are the best!!

Well, Comfirmation camp is tomorrow.. Christine(The OC), Rachel, me, Vanessa Lee, Faustine, Melissa Chang, Alvin Tan, Felix, Marcus and Marc are gonna be the fercilitators of the camp..
And we only started planning this like 2 weeks before the camp!! And in this team.. there're mostlt newbees!! Only me, Christine and Rachel are Seniors, and Vanessa, Semi senior.. hehe.. But i believe This team will do great.. I leave this team is God's hands.. and hopes this camp will go in His way.. Thou hick ups will happen, but we'll try to cover each other up k..
All the best to the team!! Gambate!! and God bless..

As for the people reading this, it means that I won't be around for the weekend.. sob sob..
Don't Miss me too much ya.. lol..
I am leaving on Wednesday for KL!! So excited.. actually my heart is already there.. haha..
So long for now.. tata..

posted @ 10:07 AM |

Sunday, June 21, 2009

Found this from an e-mail Teo chin Song sent me..
its also from this website
Don't worry.. Its safe.. no virus..
I just took some lines that struck-ed me..
Do read the rest too ya..
The title was

Today

Today, I will invest
my most valuable resource: my time
in the most transcendental work: my life... (This is my favorite part!!)

Today, I will resist pessimism, and will conquer
the world with a smile and a positive attitude
of always expecting the best.

Today, I will have my feet on the ground
understanding reality and the stars' gaze,
and thus will invent my future.

Today, I will take the time to be happy
and will leave my footprints and my presence
in the hearts of others, not just in the sands of time.

posted @ 8:41 PM |