HAPPY NEW YEAR 2010 !!!

Dear All

 

Wishing you a wonderful new month and a happy new year in advance.    

Don't  too hard but work smart.  May your boss appreciate you and say  .  

Take care of yourself.    Pamper yourself and buy some beautiful .  

Don't worry coz      will come from above.   May you also purchase  or change a   and a .      

May the days ahead be busy but easy ,       and  go around the world.   It's important to have good health,  therefore, eat more   and , but not too much  .
Do remember to  at least once a week.    Don't  with your sweetheart, and be generous to say .    

Here's wishing you and all  your   a Happy and Prosperous New Year 2010 and may you all be well and happy ALWAYS!

From : James Oh

SOME USEFUL TIPS TO LOWER YOUR PHONE BILL

Happy day to everyone,

I hope you are in high spirits as you read this article and hope it fulfill your needs.

Hand phone is widely regard as a convenient communication tool for most of us, if not all of us. It is easily subject to misuse especially when calling someone you like to chat for long hours. As such, its bill may drive some of us crazy, if left unchecked. I hope this article will help shed some light on how to lower your phone bill. At the same time,  you will be made aware of other cheaper means of communication options that are available.

1. One of the encouraging ways  to lower your phone bill is  to use the internet to communicate instead of using phone. If both caller and receiver have access to the internet, then use the internet to communicate. You may make use of Skype, Msn messenger and Yahoo messenger. Using VOIP (voice over internet protocol) options to make online calls will  save your money.

2. Nowadays, most offices and services providers have toll-free numbers. Using toll-free numbers is another good tip to lower your phone bills. Make it a habit to call toll-free numbers.

3. Prepaid plans are  good alternatives as you have full control on your phone usage especially for those who have a tendency to overuse phone services. Once your minutes are up, you need to wait till the end of the month to top-up. By doing so, you have a fixed limit of monthly phone bill.

4. Another way is not only to set a maximum number of phone calls per day for yourself, but also the maximum duration of each call. List down what you want to say in advance and speak straight to the point. Make it a habit so as to be more effective and efficient. To lower your bill further, make use of non peak hours such as late evening to make such calls if possible.

5. Do the same for short message sending (sms). Alternatively,use email if you do not have to respond to a call or text message immediately. By doing so, you are rest assured to lower your phone bills.

6. Do not subscribe to unnecessary entertainment packages which you can transfer to your own MP3 and video files from internet. Hence you can save for not using the phone’s entertainment package.

7. Scrutinise your monthly bill and phone the customer service if you think there is a discrepancy in your phone bill. There have been numerous occasions where phone companies made mistakes in their bills. Take this extra effort to check your phone bills carefully.

8. Sign up for auto-payment of your post-paid phone bills so as to avoid unnecessary charges.

9. You may use fixed line to make free local calls, if available, especially those who are internet subscribers instead of using hand phone. This not only helps you to lower your phone bill, but also reduce your exposure to the radioactive effect of hand phones.

10. Subscribe to service provider packages such as family pack with free calls amongst family members. Check with service providers before you sign up for the most suitable pack for your loved ones.

Now, I want to throw the ball to your court because I believe you may know other cheaper means, which I am not aware of.  Appreciate if you could put forward via comments for the benefits of all the readers. Thank you for your kind participation.

I am look forward to hearing from you,

James Oh

DEBT MANAGEMENT IN TIME OF CRISIS

Hi ! everyone,

Time is getting tough and the tough gets going. With the economic crunch taking its toll everywhere and in every industry, masses are facing lots of pressure to stay financially afloat. For those who have outstanding debts and have not paid for the last two years, one way that can help you is debt management.

Debt management in plain words is a tool designed to assist borrowers to manage their debts.  It helps to contain debt so that it does not blow out of proportion. You may engage the professionals to do it for you or alternatively do it yourself. The former will cost you, but not the latter.

Some tips listed below may help you do debt management on your own. So, review your situation and employ one or all techniques that you feel you can do.


1. Set aside a certain percentage of your income
The borrowers will often set aside a portion of their single or combined income for debts payments. It is actually a good idea to prioritise payment of debts and set  aside  a certain portion  of your monthly income for debts. This will help you bring down your expenses. You will then have to pay for the debt once you get your salary. In this manner, you will not be tempted to spend this money away.

2. Settle debts that bears higher interest

By doing so, you will help reduce the interest. Debts that have higher interest rates will mean that you will be paying a higher monthly interest for them compared to the lower interest ones. This way you will settle your debt much faster as a result of lower interest payment.

3. Reschedule your debts

Talk to your lenders to reschedule your payment to match with your income. This will prevent you from incurring the overdue interest or penalty interests or both if applicable.


4. Get rid of the Credit card
It is convenient and able to save lives in emergencies. But it can be evil if it is in the hands of people who do not know how to handle their money well.
Leave it at home or cancel it before you incur more debts than you can ever pay for.

5. Pay more and often if there is an opportunity
If you have excess money, pay more and often. That way, you will incur less interest charges. As a result you will be able to fully settle your debts faster.


I hope the above quick fix solution is useful to you.

Wish you success in your debt management.

James Oh

CHINESE PROVERB ABOUT MONEY

Hi! everyone,

I am so glad to seeing you all again and I believe that you not only enjoy reading the articles, but are also receiving its values and benefits.

WITH MONEY  YOU CAN BUY A HOUSE, BUT NOT A HOME.
WITH MONEY  YOU CAN BUY A CLOCK, BUT NOT TIME.
WITH MONEY  YOU CAN BUY A BED, BUT NOT SLEEP.
WITH MONEY  YOU CAN BUY A BOOK, BUT NOT KNOWLEDGE.
WITH MONEY  YOU CAN SEE A DOCTOR, BUT NOT GOOD HEALTH.
WITH MONEY  YOU CAN BUY A POSITION, BUT NOT RESPECT.
WITH MONEY  YOU CAN BUY BLOOD, BUT NOT LIFE.
WITH MONEY  YOU CAN BUY SEX, BUT NOT LOVE.

Give them a serious thought and share with us your view.

Thanks for your time and look forward to hearing from you,

James Oh