伤心的一天

     星期六，我和弟弟一起玩球。弟弟玩小皮球，我则在玩皮球。我们都玩得很开心😄。当时，我不小心把皮球踢破窗口，结果窗口破了一大个洞。突然妈妈听到BANG一声，就赶紧的冲过来，发现窗口破了，当时妈妈超级的生气的骂了我一顿。我很伤心😣。

Credit Card Statement, hard copy or e-statement?

Since the implementation of Goods and Services Tax (GST), the annual government tax of credit card which cost RM50 has been removed.

The previous annual government tax on credit card was a measure to curb the personal and household debts due to over spending with credit cards.

With the removal of such restrictions, banks were aggressively launching various rebate and loyalty programs to promote their credit cards.

For instant, I do apply a few new credit cards depending on my spending patterns to enjoy rebates and discounts. The rebate can go as high as 5% with certain capping as well as free entrance to Premier Lounge at the KLIA airports.

I noticed that by default, the new credit cads are not sending me physical statements. The banks sent me e-statements instead. Due to the change of mode of receiving the statements, I have unintentionally missed the payment deadline and it causing me time to call up to the call centers for penalty fees waiver.

It was definitely not a very nice experience as I need to communicate with machine before I get to talk to the customer service officer.

Today, not sure what made me think slightly out of box. I did call up the customer service to request for annual fee waiver, before I end my call, suddenly this issue strike my mind, I requested for a physical statement instead of e-statement. The customer officer tried to convince me to compromise with the e-statement initially, however the decision is on the consumer hands.

If you are someone like me that prefer to have hard copy credit card statement, make a call to the call center and exercise your right.

Deceased of the great master and mentor

30th November 2016, around 9:00pm, received a short message from one of my business associate that my mentor has passed away.

 

It was very hard for me to accept the news that my mentor has passed on. We just met each other on 29th, a day before he was hit by heart attack.

 

We knew each other since year 2008, at Kuala Lumpur Convention Centre. He was generous in sharing his knowledge and experience with people, especially to young people. We were very close and spent a lot of great moments until 2013, where I was tied up with my day time career tasks.

 

I went to the wake, can't stop looking at his peaceful face under the mirror of the coffin. Emotions rushed to my mind, could not accept our journeys ended so soon, sooner than what I can imagine. All the moments we went through together was flashing out from my mind, it was too hard to accept you that you were leaving us.

 

"James, you are my great mentor, you have all my respect, may you rest in peace."