A decision that was made 4 years ago had caused me lost credit score from bank.
Just would like to share my situation with readers, if are searching or googling something similar.
I had a joint loan with my sister, for a condominium named under my sister and brother in law. Why is that so? At the time of purchase, my brother in law had already own second house, and if were to loan for a third house, his joined loan with my sister would only be around 70%. Hence, he asked to use my name for it, and it was a total disaster to use my name now, for a house that I did not own.
Bank would not recognized that as our internal settlement. Bank would not know that my joined loan with my sister for the condominium is not wholly under my commitment. It was a joined commitment divided between 5 person. Each has to contribute a small portion and this, is not made know at all with bank.
This loan of mine, which I do not even own anything from it, had made me realized that, you should not easily agree to use your name for loan, even if that's your sister husband, your brother in law, as he is just related to you by law. He has nothing to loose, if anything went south. I had regretted on this, ever since I know I will have harder time to apply for a loan; all no thanks to my brother in law.
You know what's the best part of it? I am going to be jobless soon, and he is asking me to move out from his house. This is what we call related only by law. They can put relative, relationship near to their mouth, but never to their heart. Therefore, if any of your related only by law is asking you for any loan or whatsoever, please bear in mind that they had nothing to loose and we can lost everything!
Monday, 10 December 2018
Saturday, 8 December 2018
Tai Feng Taiwanese Hot Pot (台風台式火鍋 )
During down time, would like to put up at least something that create happiness for me.
This was a throwback dinner, when I had saw this place at The Landmark for quite a while. Thought of to give it a try and, walked in for a hotpot. Klang Tai Feng Taiwanese Hot Pot (台風台式火鍋 )
They offer a wide range of healthier choice of hotpot steamboat. They had their own dipping sauce, which it quite to my liking. Tasted like some friend chili flakes, with peanut sauce and fried shallots. This place is quite crowded during dinner peak hour. You may want to call them for a reservation, if you plan to dine in for this hotpot during peak hour.
Friday, 30 November 2018
Shocked, to first arrived at Dhaka Bangladesh
Shocked, to first arrived at Dhaka Bangladesh, where the citizen would drive and cross the road as to their liking. There are traffic rules, and none of them is abiding it, except when there is presence of traffic policemen.
Imagine, you will cross the road everyday, risking your life or either being knocked by the on coming traffic, or from the opposite traffic. They can drive from the opposite way, even though it is the main road at the city. Yes, they do have overhead bridge or underground subway to cross the road; and those are only available for one or two places. I did not notice any zebra crossing or pedestrian stop either.
Almost 90% of the time, you will hear vehicles honking for the traffic, and it would not stop until near 2300 hour. The amount of noise pollution at the surrounding is good enough to raise your blood pressure, and not to forget that it started as early as 0600 hour.
Aside from the chaos of the traffic and the noise pollution, the airport security is stringent. When one foreigner is entering the country, the arrival card must be filled, and one must be able to provide a local phone number for the authority. Moreover, when one foreigner is leaving the country, there is another departure card to be filled in before entering the immigration counter.
To enter the international airport in Dhaka, one must line-up and there are a lot of the un-sincere airport security personnel will target the tourist or foreigner to ask for tips or they will pretend to help you for money. Not a surprised that even the airport security open their mouth asking you for money before putting up baggage for scanning. Perhaps this is their usual practice, but this is way to much corruption. Imagine is one had bad intention, and to smuggle any illegal items? All they do is to have money to pass to these security and they can enter freely?
Not a surprised that when both me and my other colleague collected our baggage when arrived at our home country, we noticed that our baggage pass-code had all switched to 000, and sign of our baggage had been searched prior to our flight. The internal compartment of my baggage had visible knife cut and visible sign of force ripped-off. The same baggage had been used for entering Myanmar, Thailand, Singapore, Taiwan, China, and San Francisco; and nothing happened. If you were to ask me that would I go to do sigh-seeing at this country? No, I would not, not at the moment.
Imagine, you will cross the road everyday, risking your life or either being knocked by the on coming traffic, or from the opposite traffic. They can drive from the opposite way, even though it is the main road at the city. Yes, they do have overhead bridge or underground subway to cross the road; and those are only available for one or two places. I did not notice any zebra crossing or pedestrian stop either.
Almost 90% of the time, you will hear vehicles honking for the traffic, and it would not stop until near 2300 hour. The amount of noise pollution at the surrounding is good enough to raise your blood pressure, and not to forget that it started as early as 0600 hour.
Aside from the chaos of the traffic and the noise pollution, the airport security is stringent. When one foreigner is entering the country, the arrival card must be filled, and one must be able to provide a local phone number for the authority. Moreover, when one foreigner is leaving the country, there is another departure card to be filled in before entering the immigration counter.
To enter the international airport in Dhaka, one must line-up and there are a lot of the un-sincere airport security personnel will target the tourist or foreigner to ask for tips or they will pretend to help you for money. Not a surprised that even the airport security open their mouth asking you for money before putting up baggage for scanning. Perhaps this is their usual practice, but this is way to much corruption. Imagine is one had bad intention, and to smuggle any illegal items? All they do is to have money to pass to these security and they can enter freely?
Not a surprised that when both me and my other colleague collected our baggage when arrived at our home country, we noticed that our baggage pass-code had all switched to 000, and sign of our baggage had been searched prior to our flight. The internal compartment of my baggage had visible knife cut and visible sign of force ripped-off. The same baggage had been used for entering Myanmar, Thailand, Singapore, Taiwan, China, and San Francisco; and nothing happened. If you were to ask me that would I go to do sigh-seeing at this country? No, I would not, not at the moment.
Saturday, 17 November 2018
Ragnarok M: Eternal Love
Ragnarok M: Eternal Love
Playing this nostalgic game again after almost one decade of not playing it. It brought up memories of creating a acolyte character to a priest and reincarnate into high priest.
Thought would like to change into playing a different job in RO mobile. Hence, created a mage, and waiting to change job into wizard soon at Geffen.
Screenshot of my pet "purring" while overlay-ed with another character, that brought a lunatic pet.
Like their FB page for more update.
Tuesday, 13 November 2018
Throwback on Taiwan trip~
Remember those were the days where we went to shop crazily at Taiwan 7-11 just because their food is too fancy for us.
While it was a foggy night for us uphill, and we do not have much choice, but to shop at 7-11 for foods to fill our empty stomach!
One of the chips with fried eggs+oyster flavor. It was flavorful to us~yummy.
These were the items that we had purchase to fill our stomach; while it was cold at night, we did not forget to get the soupy instant noodle to warm our tummy.
This, the fruity flavor beer from Taiwan. I personally like it so much, as it as mild taste of the pineapple juice flavor with 3% of beer.
Saturday, 3 November 2018
Chicken King Taiwan - 大王活虾啤酒城
Throwback of the visit to taiwan, where we visited this restaurant when we were on our way to visit CingJing farm.
We thought of to try the apple chicken, and unfortunately, the restaurant closed down permanently and we had no other choice but to try some other shop. Since this restaurant conveniently just across the road, and it was also recommended to us by our charter driver, we had decided to give it a try.
This restaurant is apparently famous for it Urn-roasted chicken. We had placed our order for a 4 pax package, where it was included unlimited rice, vegetables, soup, prawns, and kimchi as side dish.
Check it out here~ 大王活虾啤酒城 : https://www.chickenking.tw/index.php
Wednesday, 31 October 2018
Online friend detained by checkpoints-scam
Believe it or not, this is happening to me as well. Those nigerian scammers are way too good in this.
The get some good imposers, to steal photos of people around and then, try to be friend with you.
Once they get the flow, they will pretend to visit you and then, said they are being detained at the immigration check point for reason that is they brought in more than 110k USD into the country and failed to declare it.
Panic and lost for awhile, asked the name and the ID of the officer who call, because real officers would never mind of revealing their name and Id for people to verify at the web or by call. Suspected something amiss, called the nearest police station, and they said, 100% is a scam and do not do any transaction, because even if they were to ask the detainee to pay fine, they can do it themselves, because they have valid cash, and more importantly, officers would not call from mobile phone for official matter. They will call from their registered official line, and they will allow the detainee to seek for help, because it is their right to do so.
Totally stunned, and could not believe myself that I had been scammed, but such m*therf*cker, and they are d*mn good in acting like a genuine person who wishes to visit you from afar.
1. They will befriend you, and try to take time to gain your trust.
2. Once they know you had lower your guard, and trust them, they will try to give you a reason that they will be visiting somewhere nearby, and can pitstop at your country to visit.
3. Thinking that is quite genuine and nothing fishy, they will then plot their scam by saying that their visit to your country is being stopped.
4. Most of the reason they use is bringing in more than 10K USD into the country. Declare it, and you'll be ok, but they will say the person failed to declare and now in detention. Imposer -Officers from the department will call and say will need to pay a fine, to release the person and the belongings.
5. The imposer-officer will be very rude, and not providing any information at all. (those real cases, the officer are require to tell it clearly of what had happened, if not, when it involved court case, the officer will be at fault because of failure to inform)
6. The friend of mine, is not allowed to call, to talk, and all sort of communication had been confiscated. (The police officer told me, that immigration officer can only start investigate and confiscate items that is not allow, personal belonging is still allowed for the person at check point. The real police officers also highlight to me that, no custom immigration is allow to have bank transfer into personal account. It should be via documentation at the counter, and then to pay to the custom department)
7. After much panic, and released that I myself had been conned, I am relief that at least I did not respond by transferring the money (because I do not have that much), and also knowing that these online friends are quite b*ll-shit.
The get some good imposers, to steal photos of people around and then, try to be friend with you.
Once they get the flow, they will pretend to visit you and then, said they are being detained at the immigration check point for reason that is they brought in more than 110k USD into the country and failed to declare it.
Panic and lost for awhile, asked the name and the ID of the officer who call, because real officers would never mind of revealing their name and Id for people to verify at the web or by call. Suspected something amiss, called the nearest police station, and they said, 100% is a scam and do not do any transaction, because even if they were to ask the detainee to pay fine, they can do it themselves, because they have valid cash, and more importantly, officers would not call from mobile phone for official matter. They will call from their registered official line, and they will allow the detainee to seek for help, because it is their right to do so.
Totally stunned, and could not believe myself that I had been scammed, but such m*therf*cker, and they are d*mn good in acting like a genuine person who wishes to visit you from afar.
1. They will befriend you, and try to take time to gain your trust.
2. Once they know you had lower your guard, and trust them, they will try to give you a reason that they will be visiting somewhere nearby, and can pitstop at your country to visit.
3. Thinking that is quite genuine and nothing fishy, they will then plot their scam by saying that their visit to your country is being stopped.
4. Most of the reason they use is bringing in more than 10K USD into the country. Declare it, and you'll be ok, but they will say the person failed to declare and now in detention. Imposer -Officers from the department will call and say will need to pay a fine, to release the person and the belongings.
5. The imposer-officer will be very rude, and not providing any information at all. (those real cases, the officer are require to tell it clearly of what had happened, if not, when it involved court case, the officer will be at fault because of failure to inform)
6. The friend of mine, is not allowed to call, to talk, and all sort of communication had been confiscated. (The police officer told me, that immigration officer can only start investigate and confiscate items that is not allow, personal belonging is still allowed for the person at check point. The real police officers also highlight to me that, no custom immigration is allow to have bank transfer into personal account. It should be via documentation at the counter, and then to pay to the custom department)
7. After much panic, and released that I myself had been conned, I am relief that at least I did not respond by transferring the money (because I do not have that much), and also knowing that these online friends are quite b*ll-shit.
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