PTPTN

I’ve no definite explanation on a subject that I’m gonna whining about. It’s a bit scary n it also offer a financial aid when u needed them. What’s that?

PTPTN study loans…..

Where shud I begin?.. I always put things off n it does reflect in d-repayment of PTPTN study loans. Well, it really hit me when I received d- 1st WARNING letter (about a week ago) which stated that if I didn’t start to pay back within 14 days from d-date of d-letter, they’ll file a lawsuit against me. My LORD!!!!!!!

Actually, I’m ok with that as I’m financially n mentally ready to begin my “pay-back” time. However, d-only fly in d-ointment is, I had to pay them RM14,300 instead of RM13,000. Wut d-heck!!!

Fine, I know that u guys gonna blabbing over d-interest n bla..bla..bla..which I’m aware of by now. The thing is, I’ve requested a postponement and I got a positive reply from them. I tot that d-re-payment-thingy only started on January 2007 as I graduated in August 2006. Clear????

Wut pissed me off is, I check my loan account balance yesterday and I was freezed in shock for a sec, then only I realized that they imposed d-re-payment process in January 2006. See?...that’s really boiling me up.

And immediately, I sent an email to them to express my displeasure and my concern with regards the payment issue.

Hi,
I am (edit), IC: (edit) and I graduated in August 2006. Supposedly (edit). Regarding the loan payment, I have sent a mail to request for postponement. Subsequently, I received a reply from your side stating that I am eligible for the postponement. And yet, when I check on the 2006’s statement, it stated that I should have started pay the loan in January 2006.

My big concern is, when exactly my loan payment begins? Shouldn’t it be in January 2007? Below is the screen shot of my statement for 2006. I do hope you can clarify on this matter.

Many Thanks.

To my surprise, they reply back less than 24 hours. Wanna know wut they’ve got to justify everything?..please see below.


Salam…

Tuan,
Emel anda dirujuk.

Sebagaimana yang telah dipersetujui dalam perjanjian, pinjaman dikenakan kos pentadbiran 4% setahun (bermula Januari 2004 sehingga seterusnya dikira atas 3 %) ke atas baki berkurangan mulai tarikh mula patut bayar balik pinjaman iaitu 6 bulan selepas mengambilkira tarikh pengesahan tamat pengajian / tamat pinjaman (mana yang terdahulu). Semua peminjam PTPTN adalah tertakluk kepada kos pentadbiran.

Untuk makluman anda, walaupun penangguhan diluluskan tetapi Pengiraan kos pentadbiran tidak akan ditangguhkandalam tempoh penangguhan, kos pentadbiran tetap dikenakan. Penangguhan bayaran balik akan mengakibatkan jumlah ansuran pada masa akan datang menjadi lebih tinggi, kerana tempoh bayaran balik yang menjadi lebih singkat. Ini kerana penangguhan tidak akan menganjakkan tarikh akhir tempoh bayaran balik. Ia hanya menganjakkan tarikh mula bayaran. Oleh itu, ia akan menambahkan lagi beban kewangan pada masa akan datang.

Sekian dimaklumkan.

Get it guys?...wut a virtual LOAN SHARKS.

Happy Mother's day

Sorry 4 being late to wish Happy Mother’s day. To be honest, I didn’t know d-exact date but I do know it’s somewhere in May. Some of u, might had taken ur beloved mom to a lovely restaurant or had bought a presents or any means to celebrate Mother’s day.

Happy Mother's day's cake

Well, I hate to admit it that actually, I’ve never been a fan to celebrate things like, u know, things like birthday, anniversary, anykinda day like mother’s day n stuff. Wait..dun judge me OKAY. It doesn’t mean that I am a stone-hearted or a bad guy. It‘s just that I’m not into that throw-a-party kinda guy n stuff. I have my own way to celebrate or I’d prefer to use “appreciate” in my context, to d-stuff which had been with me or have been with me. But hey, if u guys intended to ask me to join in, I’m in. Or d-least thing I cud do, chip in. However, to initiate, I bet, it won’t happen. Huhuhu...

Anyway, last Sunday, my sis asked me to chip in to buy an ice-cream cake. I was like, for what. Then only I know it’s a mother’s day. For d-very FIRST time in my life, I agreed and let d-rest to my sis. She did everything. Before I knew it, my sis was holding d-cake while loudly n yet graciously shouting Happy Mother’s day.

yeah, I managed to grab it 1st

yummy..yummy

Simple..yeah, that’s d-perfect word to describe d-moment. Oh yah, the happiest person on that day was....I had to pick my nephew, Daim Darwisy. Oh My LORD, he’s so eager n enthusiastic. Especially when my mom was about to cut d-cake n he suddenly crawling n reached out his hand n stole d-red cherry on d-cake...hahaha.

Review: X-Men Origins: Wolverine

I watched d-movie last nite and....what can I say...

It's one of the best movie of this year. Or at least, it did live up to my expectations. It has romance, juz a lil' bit though, a touching moment and d-most essence of d-movie itself, d-storyline.

20th Century Fox won't bother to do a prequel or an introductory movie of Wolverine if it ain't serve d-purpose. And at d-end of d-day, you wud go "ooohh", "aahhhh", "no wonder he cudn't remember" sort of exclamation. See....that's only goes for those who barely know about d-whole X-Men-thingy. But, those who put their heart n souls into d-X-Men world, they prolly disagree with d-way it's been potrayed in d-movie. Well...jus a bit.

According to a friend of mine, Sabretooh & Wolverine were not supposed to be brothers. And I did searches on that, well...it's true. I dunno, but, to me it doesn't matter as it didn't ruined d-storyline or whatsoever.

Besides d-storyline, I'd like to give xtra star for d-convincing effect n action. However, there's a one tiny unconvincing part which I've totally forgotten, but it's forgiven already as it's compensate my lust towards d-whole-full-with-action-thingy scene. U know wut, it feels like u were having a sliced choc indulgence from secret Recipe and garnished with anykinda flava ice cream with crumbled nuts....My LORD...it's too much exaggerated edi...hehehehe

Anyway, u guys prolly didn't know that Wolverine's claw was actually his bone and it was only encased with adamantium, an indistructable substances, when he was induced to undergo somekinda operation.

All in all, it was worth my RM6.00 n those who never watched X-Men movies before, don't hesitate to hit ur nearest cinema as it won't make u feel "isolated" or "lost" as I can assure u guys that, u still can enjoy d-movie without even know the background history of X-Men n stuff. Get it?....Good.

Oh Btw, I kinda disappointed with Gambit's n Emma Frost's scene. Too little for them n they didn't really show off their powers in a sense that cud make me "WOW". Anyway, it's all about Wolverine...huhuhu

My verdict: 8.57 out of 10

funny caption???

Last week I went to Gurney Plaza with some bitches. Cut it short, we stopped by at one store which selling lotsa cardigan, well, actually a friend of mine was looking for one. There we were, n I did put on one of d-cardigan which I think, kinda nice. On second tot, 2 cardigan is enuf d.

kinda like d-color combination

was it ok?...shud I get 1?

Before that, we hit Bazar Chowrasta as a pure-bred-in-Teluk-Intan friend of mine was looking for a batik textile. As we wandered around, I saw this sorta funny caption written on a board n put on around d-clothes.

Hmmm....to all DESPERATE HOUSEWIVES, u guys shud have 1

not only that, i found this one 2...duhhh

And how bout d-head scarf?....was d-shop owner implied that whnver u wear above-pic, u can feel MAWI's presence around u?..my LORD!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!