TTL2

5 minutes ago, ChouDoufu said:

the interest is just about right.

 

total balance is 560K, interest rate is 28%APR

approximate total annual interest ~ 156K

divide that by 12 monthly payments ~ 13K/month

The longer the duration of the outstanding loan or expenses a person owes the credit suisse. The credit suisse will revise and bring up the interest annually until unimaginable percentage.

I used to owed over $100,000 of credit card bill and during that time I was out of job and in the middle of battling other manner in court. As soon as I won my court case (nothing related to credit card) and get a clear bill. I paid off all my credit cards debts using my post contest court case winnings.

If she loses her job ( she makes 35-40K pm ) and can't make the payments, what happens to the debt?

- Do the 'heavies' come to her apt and take her belongings of value? YES, her house as asset will be lock down. Depending on law country to country, she could only keep belongings not more than $5,000.

- Does the debt go to family, parents / brothers or sisters / kids? YES, if the bank could proof that home furniture, cars, machinery was paid through the credit card.

- Is it written off? Depend on what item.

I have just updated my ID address recently in Malaysia. Apparently, as a non-Muslim above age of 18 I am able to declared myself as Non-Faith which I did.
If you are a Muslim in Malaysia, you have to go through at least 3 session of remedial counselling course at the Shariah Court in Malaysia.
If you are a Christian in Malaysia, they will ensure you have the similar remedial counselling course before letting you free from paying your Tithe.

Despite in Malaysia, the personal income tax came with variation of relief. But the gimmick of being a public is deeper than that. Annually, the inflation is high, the value of Ringgit is depreciating every year, import machinery are taxed 300% and import of food are monopoly. In reality, people pay more than 30% of what they are earning as expenses in life.

Wealth is the ultimate tools to make the world goes around.

My gosh! Not only she had been flung out of her motorcycle due to the explosion but in additional she got ran over by another motorcycle that laid on top of her.

16 hours ago, samsensam said:

 

some of my friend's children, who dont attend christian schools here, told me yesterday they were looking forward to christmas because of the parties/events held at their school meant they would not be studying, and they even thought this might be a good reason to become christian! ????

That ran in my thoughts when I was a teen too until I found out it is a propaganda agenda to do business make money to bring back to the west in foreign land which English and Spanish isn't the 1st language.

18 hours ago, Somtamnication said:

Well, that put a stink into their plans. This is not going to end well.

They watched too much English movies such as The Shawshank Redemption whereby the guy dug up the wall and gone out escape from the ???? hole filled with ???? and urine.
No offense but that's what individuals got when they followed the old school western movie which does not defy the fact that new construction of septic sewer tank had improved for the past 50 years.
A student is always a student and immature in nature. Never a smart individuals. Just another punks and confused individuals.

It is a definite 'yes' for an answer. Nobody want to risk security and property loss not even life loss due to the current trend of stressful public with lunatic manner.

2023 is really overly fast.
In the hometown of Kuching, Sarawak, Eastern Malaysia in Borneo, it took them 50 years to learn to build a simple highway whereby in reality is that they ain't build by local, but Chinese imports from Mainlaind to construct the highway.

Tough chicken meat have less fat and less water in reality.
Instant cook on cold or frozen chicken meat causes hard cooked meat.
 

7 hours ago, soalbundy said:

What cable ? all I saw was a flash from nowhere as if it had come from the grating on the ground next to the motorbike

Read your weather, why the trip is cheap and the hotel is cheaper than usual?!?!? It's monsoon storm season, for cries sake!

28 minutes ago, Old Croc said:

I initially misread the headline and thought that's a huge amount of drugs dumped in the lake!

 

When I worked out what it actually was I thought that's an incredible amount of banana leaves and flowers! 

Kratum vs. Krathong.... ????

12 minutes ago, Don Chance said:

Giving someone the finger is defamation is it not?

Yes. Especially the face show disgruntled expression.

6 hours ago, ratcatcher said:

The company sent a woman to do what the shameless driver didn't have the balls to do. I am sure most readers will be happy if the guy is fired. 

In fact women are more graceful brave than most men. Especially, immature man.

On 11/8/2019 at 1:07 PM, BigStar said:

Individual vendors of any nationality can scam you, no matter your need to bash Chinese. Read the reviews on Amazon sometime. Read complaints about Ebay vendors. However the e-commerce provider stands to ensure fairness. Both Lazada and Aliexpress are big enough to have a strong vested interest in doing so. And they've certainly been fair to me, as has Ebay when I needed them. Standards, of course, can differ, and the bar for refund is a bit higher in Asia. Wearing a shirt for year then trading it back in to Walmart ain't happening.

 

We see countless complaints about "scams" around here supposedly arising from beer bars to airlines that when examined more closely turn out not to be scams. We also see a number of scams perpetrated by tourists, notably insurance refund scams. So what I wouldn't be surprised by is to see spurious claims of deserved refunds withheld when in fact no refund was deserved or was in fact provided. ????

I have used Aliexpress.com> usa, Aliexpress.com> malaysia, Lazada.sg, Lazada.my, Shoppee.sg, Shoppee.my and have very minor problem.

Usual issues usually range from fake product, replica, worn, broken, torn, wrong product. I observed that customer must be savvy when doing online purchase as regulation of e-Shop legislation are differ from countries to countries to make the payment and refund less hassle from the platform provider.

Recently, Lazada and Shoppee sent a notification for customers to claim the $5 deposit free from Lazada or Shopee. The moment when you click on that free $5 by agreeing to click and consent to received the $5. Your e-wallet is created automatically. In a few days, when it is confirmed that your wallet is registered, the platform asked you to upload your passport and ID which is an issue if you are a foreigner (I don't have to elaborate here as the problems have been mentioned by users here).

The other thing is users have to do their own due diligent to ensure they get their refund according to how they make payment in the first place and how they checked out an order(s) in their cart, how they acknowledged merchant agreement and make open dispute according to stipulated time for refund and so on.

5 hours ago, FarFlungFalang said:

I fail to understand the reluctance to full legalise and include recreational use and have heard no valid arguments against recreational use,what are they so afraid of?I've often been "off my face" perhaps it is this loss of face that frightens them!

In certain area especially Asian region, the usage is widely abuse as an excuse to commit crime and then they cooked up stories that devil and god have something to do with it.

It is known as Kratom. In Malaysia known as Ketum. Another stimulant green that make one high and almost invisible.

6 hours ago, dotpoom said:

What if he left nothing but bills and debts?

That doesn't count much unless it is legal debts instead of non-documented debts which usually people tend to borrow from private non-license lender.

So, does that mean the property price nearest to the sea should be cut into half if not at least cut down by 35%?

On 10/25/2019 at 1:43 AM, richard_smith237 said:

This is a subject fairly close to my heart... 

 

Last summer my father (81 at the time) and I had a disagreement regarding his driving. He was driving too fast, I was not pleased about it (my son was also in the car, I wasn't driving as I'd had two beers with dinner).

 

Since, whenever we go out, I don't drink and I drive us all. I have also made it an absolute rule that my son will never go in a car with his grandfather driving. I advised my sisters to do the same. 

 

I love my father, I respect him, but I see the deterioration in his physical movement and abilities, while he is perfectly mobile, his reactions are slow his perception is 'off' (every time I go home there are more hedge scratches on the car from the narrow country lanes). 

 

The issue is this: Independence is greatly valued, but should it come at the cost of risk to other road users. 

 

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The back story to this is my sister following a weaving car. She thought they were drunk, she pulled in called the Police. She got back on the road and a few mins later pulled up behind a traffic jam (country roads), there had been an accident. 

It turns out the vehicle she had reported have been involved in a head on collision. It wasn't a drunk it was a guy in 88 years old. His wife died in the collision. Those in the other car survived (a Volvo XC-90), a little girl is now scared from the rear curtain airbag cutting her forehead. 

 

Even more tragic is that the 88 year old had lived a life of service to his community, highly respected as the Mayor of Worcester he will no be remembered as the guy who killed his wife in a car crash. 

 

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How old is too old to drive?? I don't believe there should be an age limit, but I do believe there should be more regular testing of someones medical ability to drive. i.e. after 60 years old every 3 years, after 75 years old ever year. 

 

In Thailand the issue is more complex as there are so many road users not fit to drive anyway !!!

 

 

So, how old is too old...its a tricky one...  the only option is to drive around in a Volvo XC-90 then when some old chappy does misjudge the road you are far more likely to survive with minimal injury. 

 

 

 

 

 

 

 

 

My father still drove when he was around early 70's. To be frank, I am not impressed how the way he drove even though he is a regular driver. I speaking from personal experience as the road condition and the confusion of interchange lane were designed by less literate contractors and engineers (so call local engineers). And it also affecting the culture of driving habit here. Old crappy folk does have temper when they drive in stress, it is bad for their emotion and bad for their well-being despite they are fighting to continue driving to meet their end. They literally couldn't control their speed of acceleration and we have to calm them down during a drive by restricting talking about problems during their driving session to keep them focus and perhaps saving our own life. 

US always wanted to control everything. That's the reason pretty much Caucasian ran away to Asia ????

1 minute ago, TTL2 said:

Looking forward for this! BRAVO! BRAVO! BRAVO!

Normal drive way took about 2 hours.

Looking forward for this! BRAVO! BRAVO! BRAVO!

People who offer bribe are either low mentality or don't learn their lesson repeating the same foolish mistakes all over again in their life.
A good example when a hawker stall paying protection money as soon as the business started opening. And soon, there will be several triads organisation come up and asking for protection money fee to pay. Isn't that stupid or just being a moron?!.