She Rambles On

BNM’s Responsible Lending Guidelines

The new responsible lending guidelines implemented by Bank Negara Malaysia in January this year have seriously affected the used car business. Now, leading is based on nett income, as opposed to gross income previously. This is a step by Bank Negara Malaysia to avoid excessive accumulation of household debt, particularly those that are vulnerable to income shocks.

In addition to difficultly in getting a car loan, customers are facing a longer approval to their car loan application. Even so, whilst a car buyer could previously receive up to 90% loan, now, they could get up to 60% loan only.

Posted in Personal Finance | No Comments »

Winner Of Cher’s Keys To Adelaide No Intention Of Paying

The 25-year-old guy who bid and won the keys to Adelaide, Australia, owned by Cher, has no intention of paying for them. Thus, his eBay account has been suspended for 30 days, or until this matter is resolved.

Cher has tweeted that she has no idea how the keys were put up on eBay auction and stated that she has no intention of selling them. So it looks like this bidder would get away with not paying for his winning item.

From the way the bids went, I already know that this bidder had no intention of paying for the item, just a sign of protest. Let’s see how this would work out in the end.

Posted in eBay | No Comments »

Building A Home

A friend is going to build a house soon. He has bought a piece of land in anticipation of his retirement this June. he said that ideally, he should have the house ready prior to retirement but he doesn’t have time to work on his housing plan. So he would have to do it when he is free from work responsibilities.

He did, however, discuss some of his ideas for his home with me recently, and he said he wants to get a fireplace. In fact, he has already checked out some gel fireplaces on the internet and is already eyeing a couple of designs. I didn’t even know there are so many different designs in a simple fireplace! If I ever build my own home, I should install one as well. What say you?

Posted in General | No Comments »

WIN F&B Vouchers @ Impiana Hotel Ipoh

This is good news if you are living in Ipoh or will be in Ipoh in the next three months. Blogger Emily is giving away 6 free food and beverage vouchers to be redeemed at Impiana Hotel Ipoh, through a lucky draw.

If you would like to try to win this, check out her post HERE and read the instructions on how to put your name in. Follow all the rules to be qualified in the game. Otherwise, your name will not be entered!

I will be participating in it. What about you?

Posted in Internet | No Comments »

Big Scale Furniture Shopping

My dad and I went to look for furniture. We are doing some renovations to the house and some things have to be changed…like the furniture in the living room. We visited quite a few stores over the weekend and plan to visit even more in another part of town. My dad loves antique-style furniture while I prefer contemporary designs.

I don’t know which we should get. Maybe we should just compromise and get barn wood furniture instead? Anyway, I understand there would be a huge-scale home fair coming up. Maybe we should hold our decision until we had visited that? What do you think?

Posted in General | No Comments »

eBay Green Driving

eBay has just launched a sub-site, targetting at ‘green’ vehicles listed on their website. This eBay Green Driving site features fuel mileage comparison data on different vehicle models and fuel-saving driving practices. Additionally, it also offers info on alternative vehicles, including hybrid and electric, and their environmental impact.

I think this is a good ‘educational’ site, since environmentally-friendly cars are still new and many of us are trying to get in to green driving but haven’t done so because we don’t know where to start.

Posted in eBay | No Comments »

Music Room

I visited my friend’s home last week, for the first time. He showed me his new music room, which he just renovated and installed with new professional sound processors and equipment by Bbe. I don’t know why he needs a room dedicated to music, and neither do I understand anything about the making of music, but seeing his enthusiasm, I too got excited.

I spent the whole afternoon playing with his sound equipment, trying to create my own music, but alas, I failed! teehee! Anyway, I hope to return and spend even more time playing! Yahoo!

Posted in General | No Comments »