Finally.... Natwest, you die

I finally screwed the damn natwest, finally paid.....

i loss 6,000 in the process, now, it's time to catch up.

I am lighter, and I am powerful.

The freedom fighter.

I am screwed.... or not

Come on, man.... think positive.... think what you can do, think what you need to do....

My debts has reaches new height, with RM 55K Credit Card + 3 house loan.

Wonder how can i get around it? I also don't know myself. All the best to me....

pay what i can loh.... save what I can and Earn what i can.... that's my stretegy.

Remember, the purpose of mylife is to be colourful, enjoy freedom and do enlightenment to myself and others.

Now I am the voice, I will lead, not follow, I will believe, not doubt, I will create, not destroy. I am the force for good, I am the force for god, I am the leader, defy the odds, set new standard, step up, step up, step up.

Once again, I am broke..... but happy!

Coming back from HK and spend few K there, the proposing ring, the romantic dinner, the renovation etc. Has spend most, if not all, of my personal saving.

Well, at least my parents are happy and my honey is happy. Thanks so much. I think those experience is what money cannot buy.

Anyway, tough time ahead. I am seriously considering to how can i invest more into the stock market while clearing my debts.

The blood sucking Natwest bank debt is almost settle. But I still owe more than b4 due to all the above. God help me, to clear my sin please.

In Jesus name...

Amen

I am fantastic

Recently, I was "high as cloud 9".

Winning the evaluation contest.... it was something that i thought about, cross my mind, and now it materialized.

Next week, I will go to KL to buy the "essential things" of my life. The proposal ring.

I feel healthier, happier and luckier every day. I am fulfill that everyday, I make a small step ahead.

Good luck and all the best to me.

Life's getting better and better

Recent turmoil in the political arena has created uncertainty in the financial market. Stock market will not do well as long as things remain uncertain.

Luckily i have disposed a portion of the stock and reduced the bank debts.

I learned that Affin bank is giving 0 % balance transfer offer and I am doing that. Beside, my EPF application is yet to be approved due to the inefficient service provided by KWSP.

KWSP: give me back my money!

Other then that, I am doing quite okay recently. Looking forward to my father's treasure!

All the best to us! Good luck!

Sellings of shares

I have initiated the selling of shares, i shall start paying off my credit cards one by a month.

BR,

Financial Wizard

Good Choice, Wrong Choice & Stupid Choice

Should I dispose all my shares and repay my credit card at this moment?

Is it a good choice, a wrong choice or a stupid choice?

I was at a constant delemma over the above decision. They are pros and cons on each decisions.

The pros are:

1) If I dispose the share, I will be able to save on interest of Credit card amount to RM 300 / month.

2) If I dispose the share, I will be able to transfer my Maybank loan to RHB bank and save on interest amount to RM 300 / month.

3) If i dispose the share, I will not have to pay interest on the share financing amount to RM 125 / month.

4) Every month, I will be able to have an amount of RM 2000 in my bank account.

5) I will "look rich".

6) I will have money to proceed with my marriage.

If I keep the shares

1) I will have a future gain, the Warren Buffet Way

2) I will have something to look up to everyday.

3) I will feel better by only paper loss. (Losses amount to RM 5,000).

4) The feeling of "Owning something" is there.

I guess, the choice is quite obvious after I tabled it out..... to sell all the shares. Will see the market how.

Norm'C

Getting married

Few things I need to do first:

1) Transfer my bloody maybank loan to RHB.
2) Repay Credit Card
3) Buy house (Using EPF money)
3) Buy furniture (Using Credit Card)
4) Getting married (Using Credit Card)
5) Get rich
6) Prepare for future kids.
7) Die peacefully.

Norm'C

World's Top 10 riches man!

Where am I in the ranking list? bottom of the page, because i am in negative zone!

http://www.theedgedaily.com/cms/content.jsp?id=com.tms.cms.article.Article_88f96437-cb73c03a-160c4b00-e49416e7

Warren Buffet finally become the riches man in the world after staying in No. 2 for decades. His technique work.

Yesterday, I have a dream. I dream about the first day after I pensioned. Where am I going to get my monthly expenses? my son or daughter? sorry, haven't have one.

What am I going to do if my house is still under mortgage? Don't know.

Right Now, there is an emotion rush: I have to do something..... So that I can continue to survive after my pension years, and give my children reasonable education!

Let's do something useful today!

Norm'C

I owe credit card RM 70k

Wow..... after compling, I found that I owe my one year salary to the BANKS. That's still excluded the Home loan and my negative value Central Shopping Plaza Loan.

This 70k, 26k belongs to my brother. I have about 20k with me. Meaning, even I strip off and pawn my underwear, I still owe bank 24K.

Yesterday, I read Rich Dad Poor Dad, and it somehow click that I am and I will be the POOR DAD. I have ZERO financial intelligent. But nevermind, I will solve this out.

Let's tomorrow be a better day. be an outstanding and wonderful day.

Road Block

I know this will happen!

When you are in your good time, somebody will come and disturb you. As I was very comfortable with my financial situation, Things shoot up!

The following asked for MONEY:

1. The government - Ask me to pay RM 1,350 of Tax backdated to 2006. Fuck the government.

2. Insurance. Seems like I owe them quite a bit. I have to pay them RM 1,200 just to settle few months debts.

3. My Sifu, My sifu says, I owe them 4,000. and I have to pay him RM 500+ everymonth.

Those has created a negative effect on my financial situation. However, my prospect still looks okay. I will work harder, pray harder and look for opportunities! As I am rich and healthy, I am invincible.

Norm'C

Best Time in My life

Yesterday, someone who is very important ask me a very sensitive question: "How much money to you have? after thinking awhile, I gave her an "inaccurate answer" - Rm 6,000-Rm 7,000, and her respond upset me!

To be exact, If you talk about my debts, I am about - RM 250,000. Don't overlook the "-" sign in front. I am minus 250,000 right now, because of the two loans I have.

But, I also got plenty of assets at the same time. is hard to give an exact figure.

What I can tell is, I am at the BEST & RICHES time of my life consider my bank account exceeded 5K at the end of the month which has never happened to me before. I use to run into negatives when I first started working and even after I got high paid. Because I "look" my credit card so much.

The story behind is, don't let your spouse know how much you have, or they will start calculating your money on behalf.

I recall the moment I can only afford a "Pineapple Pau" while I started my "not so successful" business back then.

Actually, Rm 6,000 is no longer a big amount in today's society. I can spent it off with a laptop computer and a digital camera, what more, wedding, new car and new house.

My upcoming year is still challenging, I have faith I can make it.

Financial Freedom!

Cheers, I am coming!

Stagnant

Why is this happening to me? and many others?

1) Share Market Crash - I calculated, my losses are approximately 5,000.

2) I spend RM 1,000 just to be with my family in the weekend.

3) Someone "called up" and tell me I owe them RM 4,300 and I need to pay TODAY.

Well, is a set back of RM 10k. Feel very pressure and loss my cool.

Should I average down my losses or keep with my own plan?

Progress

Update:

Bank H - Paid extra 2,300
Bank C - Paid extra 1,900
Bank N - Paid extra 300

Good things are happening, the GBP has dropped by 5%.

Bank C is offering 0% balance transfer.

And my share value has increased by about 5k.

And I am expecting to apply an OD of 10K or transfer the Shoplot loan to another account after January 2008.

Looking forward for my financial independant.

The purpose of my life is to be rich and colourful, enjoy freedom and do enlightenment to myself and others.

NC