Saving

Many people do spend more than what they earn, that's why they can't become a rich person. But spending is not a bad thing for the country because it can boost up the economical growth. When you spend more, you can boost more!

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So what is it got to do with saving? Yea, nothing to do with it. It is exactly the opposite of spending only. While I was walking in the shopping mall today, this guy from XXX-bank approached me to promote a new type of saving with can earning big money within 30 years. When it comes to money, I am really interested in it. But after awhile of chit-chatting, I found out that it is nothing to do with saving. It is actually a kind of safe investment like mutual funds. Ha-ha. How do you define saving when you need a sum of money as a modal for you? And moreover, it needs you to put a certain amount of input every month to ensure that your account doesn't run dry.

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As a student, I will never think of doing big investment now. Because I can say that I can hardly vomit a few hundred ringgit out every month to put into a bank account. Saving is actually all depends on yourself. It is whether you have the determination to save or not to save. It is simple as that. If I can give you this amount of money today, this doesn't mean that I can give the same amount next month. It can be less, very reluctantly it can be more. What the concern in today's world is actually people does not really know how to save. I am sure that many people will have the mind-set that if I can't save up today, I will do it tomorrow. But what if the same thing happens tomorrow? It will be a never ending story.

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If you are already 40 years old, will you ever think of when are you going to retire? I am sure you have already thought about it. But have you ever thought of whether you have sufficient money to sustain until you die? Recently, one of the European country did a survey on this. They found out that many people actually do not have enough money to sustain their life until they die. Ok, maybe many people have different opinion in this matter. Because I may not get married , so I have no one to take care of me in the future. Even though all these are assured for you, there is no harm to think about this matter.

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Enjoy and have a nice day.

Customer Services

Unexpected.. Really unexpected.. I didn't know that I got so many friends, my birthday wishes exceeded 100. That was crazy! Anyway, thanks everyone.

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Some customer services are really bad nowadays. I can't deny that companies are now keeping on hiring staffs without giving any proper trainings. So that is why customer services are now becoming from bad to worse. Sometimes I am not sure whether these people understand what is customer service. Some may just think that it is just about crapping with the customer without giving any proper information and customers will just blindly accept what they say! Mainly it is because they know that consumers do not know how to "complain" or knowing their consumers' rights.

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Last week, I met with such an incident. I went for photo printing at one of the photo shop near my place. I gave the soft copy exactly 1 week before I need it because the shop keeper says that she needs 1 week to process it as she needs to handle this to her HQ. As 1 week went passed, no calls from them. So I called up the branch which I went to, but my phone was not answer. Then I called up the HQ, they said that that branch has closed down and my photos transferred to another nearby branch. Fine, I double confirmed with that branch to make sure that my photos were there. Surprisingly, they said that they did not have my photos because they had lost the softcopy.

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What a crap! See, I don't know where is their sense of responsibility. First, if the branch that I went to was closed down, why can't they call me up and tell me about this. I don't mind if you call me to collect at another branch as long as I can get my photos on time. And secondly, if they lost the softcopy, why can't they call me up and let me know earlier, so that I can provide them with another softcopy. After that, I called them to provide me a solution as I need the photos on that day itself, but they kept on saying that they need to follow the proper procedures which they will take another 2 working days to process the photos. I was very reluctant because they are trying to find an easy way to out without solving the case, 1 of the branch even said that "I pay you back the deposit lar!" How rude is she!

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Come on, this is not about the matter of money. If I know such an incident will happen, I will not step into any of their photo shops. Finally, this case was dragged till late evening whereby the HQ has closed. I had no choice but to call the manager to speak to me. It was really frustrating dealing with them because they said that they will call back but they didn't do so for many times already. Huu. I called up the manager and sounded her nicely, "How long more do you want me to wait? Till tomorrow? Till next week? What kind of customer service is this!" Luckily she was polite and calm to talk to me. She finally deal a better price, so that I can compensate for any of my losses. But I don't know whether she will keep her words or not! Or else it is time to complain to the consumer tribunal.

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Dear friends, many people are now taking things for granted on consumers because they know that consumers are afraid to make complaints, consumers do not know their consumers' rights. What for they need to improve their services to you! That is the mentality they are having now. Remember, everyone plays a role in improvising customer services. It is not about me only! Without you, it really makes a big difference!

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Enjoy and have a nice day.

Happy Birthday to Me

Happy Birthday to Me.

Now I know what is the real function of Facebook, it is not about Mafia Wars and Restaurant City. This is the first time that I replied so many posts. Even though it is a very tedious job, but I really appreciate a lot.

First, I had dinner with my family on Saturday night. My wish is to have Malay food but wish is not granted. So we went for Thai food at Jalan Alor. Later on, my brothers brought me out for a drink at 宅alk at Pandan Indah. It is a very new cafe and a very nice place. Maybe it is because that I had a few bottle of beer, and that is why I love the atmosphere a lot. I like the people there especially the female singer. I really admire her because she can sing a lot of tough songs which I think that normal people will not be able to sing. Haha. Then we have our second round at cyber cafe. At least I broke my record that I didn't kill any of my teammates. Thanks to them.

Then thanks to my U'mates as well. THough they are now at Langkawi, but they tried to blast up my phone last night. Too bad that they couldn't get through because I slept already and my phone was is silent mode. "Not forgotten" Wish them enjoy and have a nice holiday trip.

Everything was simple but nice. Thanks and have a nice day.