Owe Bank alot of money because bonk too much..... - Page 5

tungsten · #61 17-01-2005, 08:54 AM

Salute to you Ignis,

Think that most people would have took the easy way out.

#62 17-01-2005, 08:55 AM

Quote:

Originally Posted by bradpitt968

Wah.. with all this.. and u can rebound back... *salute*...

'salute' back

alot of anguish & pain bitting the bullet, but every time see little son's photo...hehe MUST endure n press on la

Quote:

Originally Posted by cbjuiceyumseng

I am the one that need to call u "Sir", u know old folks always say a hero is not a hero until he suffer some setbacks in life. Anyway goodluck to you and hope u recover 100percent ASAP.

hehe in tt case we're bros lor...but i scared 2 b hero, happy 2 b zero
thanks for the well wishes, may the winds of fortune & success blow ur way this new yr!!! huat ah!!!

Quote:

Originally Posted by vivian hoo80

Can i ask...how old are you?

ma'am, xiao didi is 33 this new yr, anything else ma'am would like to know??

lawry · #63 17-01-2005, 09:25 AM

Quote:

Originally Posted by cbjuiceyumseng

This thread is a brother asking us for help regarding his problems and U ARE THE ONLY CHEEBYE THAT COME IN AND JOKE.

steady bro,

He quite heng liao.. if i log in.. and saw him post like tat.. he will ganna more jia lat jia lat from me.. come.. give me a bear hug... cod fish head... this wednesday hor.. cant wait.. slurp...

lawry · #64 17-01-2005, 09:48 AM

wat bro ingis sport say is true...

once u cant handle ur finance.. that means u need at least 40 ~ 50% of ur salary per month to survived... if ur repayment (meaning principle and interest).. if ur repayment of interest hits more than 50% of ur salary IMMEDIATELY talk to bank..

talk to bank that u cant pay that kind of interest.. show them ur salary slip.. tell them that u have a hard time to pay back casue u need at least 40 ~ 50% of ur pay to survived... etc..

arrange a lower interest rate.. some banks may reduce up to 12% per ann.. that means instead of paying back 24%, u only need to pay back 12% or lower if u lucky..

after restructuring ur debt.. get money..

work 2 job.. get a day time job and a nite time job.. when i just graduate from uni.. i determine to earn more than 5K plus a month.. i gotten 2 jobs.. and i am earning 6K a month at that period of time.. shiok.. but u have to give up on ur sleep...

if working hard and restructuring ur loan is too difficult a job for u to do.. the easiest way out is to declare bankrupt... sigh...... but u must weight ur pros and cons.. to be a bankrupt.. it will hinder ur future progress in life.. unless u be ur own boss and climb up.. but even if u be ur own boss.. when u wan to gain finance for ur firm and the bank knows that u are a former bankrupt.. it might be harder for u... If u are a professional...(lawyer, accountant..etc) if u bankrupt.. u can kiss ur rice bowl...

In my own opinion..

I will work my ass off than be a bankrupt.. as i mention.. if u r a bankrupt and u wan to work in a MNC as a manager.. etc.. it will be hard...
I believe as a working adult.. if u work ur ass off.. to earn 5 ~ 6 k a month is easy (legally)..

be a good boy for 3 years and u will be fine..

japboy · #65 17-01-2005, 10:56 AM

Quote:

Originally Posted by lawry

work 2 job.. get a day time job and a nite time job.. when i just graduate from uni.. i determine to earn more than 5K plus a month.. i gotten 2 jobs.. and i am earning 6K a month at that period of time.. shiok.. but u have to give up on ur sleep...

brudder, so how's ur nite time job as a PRON STAR going

?

lawry · #66 17-01-2005, 11:12 AM

Quote:

Originally Posted by japboy

brudder, so how's ur nite time job as a PRON STAR going

?

Shhhhhhh...... show closed for 3 weeks.. ganna (personal) AV raid.. so close shop for 3 weeks.. sigh.. HELP!!

dargonfly75 · #67 17-01-2005, 11:50 AM

Quote:

Originally Posted by dargonfly75

Agree with you on this. Banks prefer to talk to you direct.
And to advise on your expenditure etc, any good brothers can help you.
But at e end of e day, its up to yourself to be disciplined on what you set out to do. Nobody can help you if you don't want to help yourself.

Hmm... Kena deducted by a 4 pointer for this post.

Can the kind brother who deducted me for this, advise why he disapprove of the above? Not angry or what but would like to have your view cos you deduct without leaving a comment.

Cheers.

lawry · #68 17-01-2005, 12:00 PM

Quote:

Originally Posted by dargonfly75

Hmm... Kena deducted by a 4 pointer for this post.

Can the kind brother who deducted me for this, advise why he disapprove of the above? Not angry or what but would like to have your view cos you deduct without leaving a comment.

Cheers.

4points!!.. definately not me hor.. that means a 8 pointer or a 9 pointer.. u sure?

dargonfly75 · #69 17-01-2005, 01:30 PM

Quote:

Originally Posted by lawry

4points!!.. definately not me hor.. that means a 8 pointer or a 9 pointer.. u sure?

5555.. No lar.. Kena deduct 2 pts. Thats why say from a 4 pointer.. Or maybe a 5 pointer..

Haiz.. just want to know y oni? Die oso must know reason y rite?

Nvr mind, as long dun kena moderation can liao.

waypastprime · #70 17-01-2005, 01:48 PM

Quote:

Originally Posted by dargonfly75

5555.. No lar.. Kena deduct 2 pts. Thats why say from a 4 pointer.. Or maybe a 5 pointer..

Haiz.. just want to know y oni? Die oso must know reason y rite?

Nvr mind, as long dun kena moderation can liao.

Some people just enjoyed deducting others under the cloak of anonymity. Thumbs up for Sam.

If you queried too much, might create a wrong impression u are points driven.

So just let it be. And allow me to compensate for your losses.

69monster · #71 17-01-2005, 01:49 PM

dont worry i will up you after 24 hours ok..

Quote:

Originally Posted by dargonfly75

5555.. No lar.. Kena deduct 2 pts. Thats why say from a 4 pointer.. Or maybe a 5 pointer..

Haiz.. just want to know y oni? Die oso must know reason y rite?

Nvr mind, as long dun kena moderation can liao.

DNAT · #72 17-01-2005, 01:52 PM

Quote:

Originally Posted by dargonfly75

5555.. No lar.. Kena deduct 2 pts. Thats why say from a 4 pointer.. Or maybe a 5 pointer..

Haiz.. just want to know y oni? Die oso must know reason y rite?

Nvr mind, as long dun kena moderation can liao.

Later I add u back lah .... oke?

japboy · #73 17-01-2005, 01:56 PM

Quote:

Originally Posted by dargonfly75

5555.. No lar.. Kena deduct 2 pts. Thats why say from a 4 pointer.. Or maybe a 5 pointer..

Haiz.. just want to know y oni? Die oso must know reason y rite?

Nvr mind, as long dun kena moderation can liao.

not bAD leh, one post n u get 6+1+8+5=+20pts ...

nvm lah.. sum pple deduct pts 4 free...