Options for When You Need Money

Emergencies happen. If you don’t have the cash available in your emergency fund, you may be wondering what you can do to cover the cost. Fortunately, you have options. Here are a few to consider.

Take Out a Loan

One of the most common options for people in need of money is a personal loan. Bank loans typically have great rates and terms (especially if you have excellent credit), but the approval process can take a while. If you need money quickly, you can consider other types of loans such as peer-to-peer lending or short term loans Mississippi.

Tap into Your Home’s Equity

If you own your home and have built up some equity in it, you may be able to tap into to pay for what you need with a home equity loan or line of credit. While these provide excellent options, there is one important thing to keep in mind. Both of these options use your home as collateral. If you default on your payments, you risk losing your house.

Ask a Family Member or Friend

Another option to consider is to ask a family member or friend for help. Asking someone you know for money can be hard, and some people may not feel comfortable lending. You can, however, offer to draw up a contract and have the document notarized, so your family member or friend knows that you will pay them back (or they have recourse if you don’t). You can include information like payment terms, when payments will be made, and if you’ll be paying interest on what you borrow.
Finding yourself in financial need can be scary, but understanding your options can help make things easier. If you do choose to borrow, make sure that you understand the cost of your loan and compare your options before you sign.

Reasons To Use a Money Transfer

When a loved one needs funds quickly, there are many options available to you to use. Sending a money transfer to them is quick, cheap, and easy to retrieve on their end. Here are a few reasons you should use this service.

Have the Money In a Short Time

If a friend or family member is in need of inmate money transfers los angeles ca so they can purchase items while incarcerated, enacting a money transfer can be quicker than if you were to go through your bank. If you are willing to pay an additional fee, they can have the funds in hand instantaneously instead of waiting several days.

Lower Rates

Sending money by transfer can be less expensive than if you do it through a financial institution. This is especially true if your source is overseas. Banks can charge a high fee to process your request while companies that work with transfers have lower rates. However, shop around for the best rate before proceeding with your transaction.

Easy To Apply

While a bank might make you apply for an account with them to send cash to someone else, all you need to do to complete a money transfer is fill out a form. This can be done on paper or online. If you use your computer to finalize it, it will calculate your fees and your exchange rate if applicable. It will also give you an estimated date that it will happen.

Can Be Retrieved Worldwide

Working with a money transfer company is good for the recipient as well as the sender. They can pick the money up at multiple locations across the globe. However, warn them to take someone with them that they trust and hide the funds when they get them. This will keep them safe from those who would try to steal from them.

Mermaid Movie Stephen Chow

It's Monday and my son today attended school wearing Chinese New Year outfit. After the school, I bring him to Sunway Pyramid to purchase movie ticket of Mermaid Movie Stephen Chow. An adult cost RM20 and child RM9 for each ticket. The movie is rated PG13, suitable for my son as I am watching with him. It's special day to date my son because tomorrow is his birthday.

We went to TGV Cinema first to queue up for purchase the movie ticket. We like to watch Stephen Chow movies and this movie is directed by Stephen Chow. It's interesting and entertaining movie, we enjoy it from start to the end. The movie is related to sea, money and wealth.

Who doesn't like money? Even if you have gain a lot of money but if you are not having clean air to breath in what is the use of it. It is true, it is just like every year we are experiencing haze in the month of September and October.

Well back to the movie, it's related to sea world and living. Don't always think about the profit of earning money but the earth and world that we are living in. It's a nice movie to watch as related to mermaid that fall in love with human kind.

Spend RM243.40 on my car battery

This morning when I start the car engine, it's not working. My dear opened the car bonnet to check. I called the Tayar Shop in the morning it was round 8.45am. They are opened in the morning and asked me to wait around 15 minutes as they will send someone over to change the car battery.

It is RM230 for the Myvi Century car battery. Price after inclusive of GST is RM243.40. This month I spend quite a lot money on my car. Just last week I have my car serviced and it cost nearly RM500. I was told that I need to change the car's 4 tayar because they are over due 2 years. Do you know that we are supposed to change car tyre every 3 years? I don't know that, so means that my car's tyres are 5 years old. It would be about RM800 more or less depend type of tyre to change.

I haven't change the tyres, I am still looking if there's any good deal around.

Spirit of WIPRO Run @Kompleks Sukan Negara Shah Alam

Last Sunday morning, I attended the Spirit of WIPRO Run at Kompleks Sukan Negara Shah Alam. 

It was the 10th year anniversary for the Spirit of Wipro Run, which started in July 2006 and has since been a global annual effort. Every year, the Wipro employees and extended community around the world participate in Spirit of Wipro Run as part of their Corporate Social Responsibility initiative. 

3,200 runners from the WIPRO's community in Malaysia together with their family and friends participated in the run this year.

The objective of the "Spirif of WIPRO Run" is to create a platform that would bring together employees, families, customers and senior leaders across all divisions to fulfill the organization's goals. The goals are to create an entity where Wipro's diverse ecosystem grows united and believes they are all in it for the long run, to engage employees keep in mind their passion for health and fitness besides inculcating the culture of giving back to the society among the employees. 

The crowd preparing themselves having a warm up session together.

"Spirit of WIPRO Run" is part of WIPRO Cares, a corporate social responsibility program which focuses on contributing to the society by catalyzing systematic improvement in education and to the local communities where WIPRO operates in.

Wipro Cares is globally active in 3 charity categories which are Community, Education and Ecology.

Funds collected from the annual run are topped up dollar to dollar by Wipro.

Photo credit to Ayu Rafikah

Fitness First kick started at cool morning with some warp up exercises to get the participants ready for their run. At 7.30 am sharp, the participants were flagged off by Mr. Krishnamurthy Sriram.

There three categories available for the Spirit of Wipro Run were the

7km Men Open Category for ages 12 and above, 7km Women Open Category for ages 12 and above and a 3km Fun Run which was for families with young children below the age of 12 as well as the senior veterans for those aged 50 and above. 

The Top 3 runners for each of the category received winner's medal. In addition, all participants received a goodies bag and a t-shrit from Wipro while those who completed the 7km category run received a finisher medal.

Family time, parent pushing kid stroller to join the run together. 

Cute Mascots that every child like to have photo with.

Fun games awaiting everyone to take part. Total of 5 games on the day.

Fun for the kids to play, throw the ball to hit the bacteria. If able to hit 4 balls, will win the water gun.

A good morning catch up with buddies, we have fun in the games we took part too. 

If you like to know more information, do check out www.wipro-unza.com

Movie review: Suamiku Jatuh Dari Langit

photo above credit to Facebook of David Teo

Spoiler Alert***

Few days ago I was invited to attend the movie screening of Suamiku Jatuh Dari Langit, it's a comedy movie that you'll like to watch. 

I like to watch movies acted by actor Qi Razali and actress Nora Danish. The movie is about a girl named Asyikin (Nora Danish), she lives with her sister and her dad in a village. His dad Pak Bidin (Kaza) is a very strict man, he loves both his daughters, somehow Asyikin's sister named Wani (Atikah Suhaime) who is still attending secondary school has fallen in love with a guy. 

David Teo also actor in the movie, he is the Daddy Cool who loan money to people. Mus (Shuk Sjy) he falls in love with Wani but her dad is against her get along with the guy. Awie (Qi Razali) works outstation but he wasn't happy with his job, he got jobless and his money was robbed by a beggar in the night. Awie has no money and nearly given up on himself then he saw a banner about loaning money. He finds Daddy Cool to borrow RM3K, but he must find ways to return the money because his money was stolen in broad daylight. Daddy Cool is going to do something bad to Awie if he's not able to return the amount of money he loaned, as the money interest grows he then needs to pay RM6K instead of RM3K. It's a lot of money so how Mus and Awie going come up with this huge amount of money? 

Awie told his best buddy Mus about his problem, Mus wanted to help Awie to solve his problem by getting him involved in stealing and breaking into home. They even disguise as women in the movie! How pretty and attractive Awie and Mus looks like in dressing up like a woman? Watch this movie to find out. 

Never count your money in public! Never show how much money you have in public!

The movie screening is sponsored by Mamee Chef

Movie Review: Filial Party

The premiere screening invitation to watch Filial Party, it's Singapore movie speaking of mix languages of Hokkien, Cantonese, Mandarin, English and Tamil. This movie is PG13, suitable for parents to watch with children. It's a reality TV show that brings 24 families together to win to awesome money, only 3 families to be selected for winning the money.

The prize money of one million dollars for whoever success in being the most filial child to their parents. Each family if given a test, who will win?

It's a movie of tears and joy, after finished watching the movie while dear is paying the parking ticket. I saw a man sitting at bench rubbing his teary eye, while calling someone on the phone.

The movie is about filial to your parents. Don't wait til they are gone to say or do anything with them, as simple as having a meal with them or just to call to say hi. 

The Other Woman is hilariuos

Yesterday a date with my girlfriend, yeah we head to TGV, 1 Utama to watch The Other Woman. 

First I like to ask if you are fan of Cameron Diaz, it's very nice to movie to watch. Another actress in the movie Nicky Minaj, she's like PA to Cameron Diaz.

Cameron Diaz as Carly Whitten, she is lawyer in the movie, she falls in love with a guy they have been dating for eight weeks. When she's about to bring him to meet up with her dad, things happened! Mark is a married man he loves many woman in his life. Mark love affairs' found out by his wife. Leslie Mann as his wife, she's been married to him since she's 24 years old. 

There's a big dog in this movie, it belongs to Leslie Mann. It's hilarious when the dog did something bad in the apartment of Carly Whitten, you gonna love it if you watch this movie. Leslie told Carly that her dog is just a puppy. :D

How are three women going to revenge the Mark? 

The movie is for 18 and above only. 

Thank you Nuffnang for this opportunity to watch the movie. 

Good laugh watch Rio 2

If you have watched Rio, you will know Blu, and Jewel. Rio 2, Blu and Jewel have got three kids. They have two daughters and a son. They are going for an adventure trip to Amazon find their find species of bird. They know of this from Tulio and Linda from the TV news.

Nigel is back in the movie for his revenge, a poison dart frog is in love with him. Nigel never gives up on his vengence against Blu.

In Amazon, there are illegal loggers that want to get rid of Tulio and Linda. Amazon, Blu has no idea what's over.

Will the family survive the Amazon?
Will Blu eaten by crocodiles?
Blu faces many challenges in Amazon...

My son and I have a good laugh watching Rio 2. You can see that he's happy seating at the red coach at TGV 1 Utama.

I laugh about Blu facing the spider and flying insect ....

Son told me that his favourite part of the movie, slow motion turtles high 5!

Thanks to Nuffnang Malaysia for the 3D Rio 2 Premiere Screening. My son so happy wearing the 3D children glasses.

At night doing his homework, son wants me to play high 5 with him just like the turtles in the movie. 

Welcome picture Aquaria KLCC

During school holiday, we visited the Aquaria Klcc. We had welcome picture taken there but sad to say the price of a picture RM50 is way too much for us. Though we love the picture so much, we have to let it go. Our picture were taken there before enter to Aquaria Klcc, the staff saying it was welcome picture.

There's a price for it, as you know nothing is free. They didn't mention that they are giving it for free. Instead they said that RM60 for four more other sizes of photo along with photo taken for welcome picture.

RM50 I can buy a pack of milk powder for baby and some groceries.

Money worries multiply relationship woes

I think that money is not everything but when comes to the reality world everything is about money. If no money I cannot pay the bill for internet access and electrical bill and others.

My sister is going away this month and she decided to disconnect herself with the world as she has cut the telephone line of her home and I have to take over things she left. There is need of maintenance fees for her place and also repairing for things that cannot be use any more.

Do you feel that money worries multiply relationship woes?

Etsu Hamper or Etsu Voucher

Last September I took part in an offline contest. As I know the consolation Prize is $50 voucher but stated in the letter is it $50 hamper of Etsu Prize. There were 100 winners for the consolation Prize. I will need to call them to find out.

At the moment it is lunch time so they are not around at the office. I will need to call after 2 pm. If it is going to be voucher I am not going to take as you need to spend more than just using the voucher.

I won Sothy's Cellu-guard Sun Care

Yeah I remembered that I bought this Marie Claire Magazine in Sept 2008. Today, I have got a letter from them saying that I have won the Sothy's Cellu-guard Sun Care. Yay! I am so happy.

I seldom won in offline contest, I guess its worth a try since I bought the magazine. I have no idea that this 50ml of product is worth $239.

A piece of Sun-sentitive Areas High Protection SPF30 50 ml will be mine. I just need to collect it or send them $15 for courier service.

Money term here is in Ringgit Malaysia.

Not doing so well in 2009

I do not believe that I will not be doing so well in this year. But I was told by my friends and even my sister that this is going to be real because most of them are trying to get hold of their jobs. Some of them might even lose their jobs because of the economy.

I have read in news that a family has killed themselves because they do not have a job any more. They cannot afford to provide food in the family. This is sad, why is this happening? I am sure there is a better solution than killing yourself. I think they need to go for counseling and get help.

Life is full of challenge, I do not think there is any easy life for everyone. I am sure you need to go through many paths in life. If you have things in mind, please talk to your family and friends. Do not keep it to yourself.