Know what SEDAR is

Informative rant post. =/


First the informative part.


SEDAR is a type of account by BSN
that kinda forces us to save money.


Ideal for anyone who can't save money on their own accord.
*ahem*


The minimum amount needed to open an account is RM50,
but here's how it's different from normal savings accounts.


Instead of leaving that RM50 and wait for it to bear children,
you have to bank-in RM50 every month within the first 7 days.


The minimum is RM50,
but you can choose to start off with more.


For example,
when I open the account,
I can choose to bank any amount which is more than RM50


Let's say I chose RM300 every month,
(you have to fill it in the bank slip and it will show in your passbook)
so every month I have to bank-in RM300 before the 8th.


If I fail to do so,
the interest will not be given.


You have to repeat the process for 24 months,
which means I will be "forced" to save RM7200 in 2 year's time.


The interest rate is 2.5% which will be credited every 12 months.
After the 24-month contract,
you can't bank-in money anymore
but you can still keep the account and continue to be paid for the interest.


You can have multiple accounts,
which means you can either have a new account every 2 years,


or


open multiple accounts to spread out the money


so that if you need the money badly,
you can take the money out of one account
and continue with the other accounts.


(You won't lose as much on interest)




Sure it offers less interest than Fixed Deposit,
but for Fixed Deposit,
I'm not forced to save.


(which won't work for me)


Click here for more details on SEDAR.


Now,
the rant.


You can choose to either have an individual account
or a joint account.


My mom have a thing about joint accounts
coz just in case something happens to one of us
the other one can get the money out.
(For medical or whatever you wanna use it for)


So last Friday we went to open a SEDAR joint account.
For those who know anything about joint accounts,
you'll know that we can choose if:
One of us sign
or
both of us sign
to withdraw money/ close the account.


We chose the first option.


Like I said,
in case the other person can't go to the bank


In the hospital, paralyzed [touch wood], too far away etc
(like my current situation)


After the whole process of opening an account and getting the passbook,
my mom somehow asked something that started the drama.


The thing about SEDAR's joint account
is that both have to be there for withdrawal.
You have to close the account to get all your money out.


"Either one to sign" can only be applied when we want to withdraw the interest.


So WTH is the point of the option "either one to sign"?


The interest won't be enough to do much,
if it's a fairly new account.


And it completely defies the purpose of that option,
which is flexibility for users.


It's a silly policy IMO.


Losing customers because of a silly policy.
Do something about it, BSN.


that's what J_Fish has to say~ Au Revoir~


p.s. Underworld post coming right up.

So many things to do

Been away from Internet for a few days.


Didn't turn on my laptop
so my phone was my only source of the Internet.

Have a few posts coming up after CNY. =D
First time I have ideas lining up.
If you read my blog often
you'll know that I blog about crap most of the time.




Sneak preview of what's coming up


The picture above is for a collaboration post with Joel Wong.
Have to camwhore even with curlers in ze hair. 


Then I have a few cosmetic posts coming soon,

Whole set from Maybelline. 


and a few informative rant posts.


They really are informative,
but they have to turn out to be rants

because the people pissed my mom off...


For now,


Back to peeling stuff!!


I'm like the family contract peeler.
I've been peeling stuff
like ginko, water chestnut, onions, garlics,
broccoli, cauliflower and so much more!! =D


If you need someone to help you with peeling,
drop me an email
and I'll be there in 3 days time.
Limited to North Peninsular Malaysia only.


Before I sign off,


here's a vid of a kid who tried to sounds funny
but humiliated himself while ranting about CNY.


Kids these days. 
*sigh*
As much as I don't like CNY,
I know that CNY came before the "American New Year".
=/



That's what J_Fish has to say~ Au Revoir~ and Happy Chinese New Year.

Eye make up (not tutorial)

Was dying my hair

and while I waited for the colour to sip in

I decided to share my eye make up routine. 

Without make up...

But looks like wearing eye shadow... because of dark eye circles

=(

 Upper liner - L'Oreal's Super Liner 24h Waterproof Gel Eyeliner (Black)

 Now add in the lower liner

Majolica Majorca's Cream Pencil Liner - BR611 (Brown)

and draw eye brows with Shisheido's eyebrow pencil in No.3 Brown

 Brush on the mascara

Revlon's Grow Luscious Plumping Mascara in 001 Blackest Black

 Compare with second picture if you want to know if it works

Voila.

Had to camwhore 

even when

only one eye has make up on. 

Talk about high forehead huh.

From top
Shisheido Eyebrow Pencil (Brown)
Majolica Majorca Cream Pencil Liner (Brown)
Revlon Grow Luscious Plumping Mascara (Blackest Black)
L'Oreal Super Liner 24h Waterproof Gel Eyeliner (Black)

That's what J_Fish has to show~ Au Revoir~

p.s. Took a risk and dyed my hair.

Will tell why it's considered a risk. 

=p

Furniture shop rant

The night view from my (new) balcony.

You can (kinda) see Sunway Pyramid on the left.

Happy (super belated) new year (wish)!!

XD

I moved in on the last day of last year,

so that I can have a new start for this year.

=)

It took me days to pack

and hours to move,

which resulted in watching only half of MI4.

=/

Shii Teck had to watch half the movie with a seat.

Anyway,

after 11 days of staying in the house,

I finally got my closet and desk!!

I purposely chose a furniture shop which is really close to my new place,

which is a street across.

And they took 10 days to send the furniture over.

WTF.

The mirror is one of those magic mirrors!!

I look slimmer in it. =D

ze inside

Next is my desk!!

I love it so much.

=D

I like it coz of the cover.

Now my stuff can be less covered in dust!!

=D

Ideal for lazy bums who don't like to clean.

*ahem*

Look what I found while

cleaning the closet....

SURPRISE!!

Zoom in...

The cockroach says hello.

With broken legs. =(

It was still crunchy when I got it out of the drawer...

I don't like cockroaches

like 99% of the rest of the world

but a girl's gotta do what a girl's gotta do

to make her closet clean.

*sigh*

No knight in shining armor to escort ze cockroach out of it's resting place...

what to do...

Done parading the furniture.

=/

Now,

ze rant starts!!

If you don't want to read the rant....

Y U CLICK ON THE LINK?

I was really upset at first,

but the awesome furniture spoiled my angry mood. 

So,

it's gonna be short(er).

As I mentioned,

I went to the furniture shop a street across to get my furniture.

I don't want to tell the shop's name.

*cough* E.T Furniture Shop *cough*

I don't want to tell the location either

*cough*USJ*cough*

I went to buy my furniture

on the 1st of January.

The shop was opened.

I paid 90% and asked if they deliver at night

coz I finish work at 7pm

and I don't want to take leave just to wait for them to deliver.

They say it's ok

and wrote down at my receipt "deliver after 7.30pm".

After about 4 days,

the shopkeeper called me

and asked if they can send the furniture over in the afternoon

(of the same day)

*conversation shortened*

(because if it was the full conversation you would fall asleep

and wake up and realize your computer fell asleep)

I told them no,

cause I was working. 

Who the heck calls so last minute

and assumes we're free to sit at home and wait for furniture?

Plus it's written "deliver after 7.30pm"

I told them it's ok if they send it over on Saturday,

just give me the time or at least the time range.

They say they can't confirm the time, not even a time range.

Can't even confirm if they really can deliver.

I was pissed.

No way I was going to waste my Saturday waiting for my furniture to arrive

and in the end might not get it.

If they gave me ETA,

I would be more than happy to wait,

Because I really can't stand living without a closet.

All my clothes were still in bags.

=(

I told them to check if they can confirm delivering the furniture on Saturday

and call me back (with the results).

They didn't call.

so I called.

They didn't check.

And gave me stupid excuses

like they're not the ones who arrange the delivery.

FINE.

I asked them to check with the people who arrange the delivery,

they say they can't ask.

FFFFFFFFFFFUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUU.

What kind of shop has delivery service but doesn't arrange the time

and can't ask the person who arranges the time?!

Talk about poor customer service...

I can't remember how many times they called to ask

if they can deliver them in the afternoon. 

FML.

For some unknown reason

they just can't accept the fact that I work.

I F*CKING WORK.

I DON'T WANT TO TAKE LEAVE JUST TO RECEIVE MY FURNITURE

SO F*CKING SEND THEM OVER AT NIGHT.

And finally, they did.

THE END.

that's what J_Fish has to say ~ Au Revoir~

p.s. I SO F*CKING LOVE MY FURNITURE!!! XD

Portable Charger/Battery

Wanna show off my phone's new shirt/dress/whatever you wanna call it.

It's red!!!

It took me very long to find one

that's not too expensive and red.

=/

I got it at the bridge between The Curve and Ikano btw. 

 RM20.

Anyway,

the main character in this post,

is this.

It's a portable battery a.k.a charger.

I saw a deal on groupon.my.

Because Shii Teck has 1 and I'm jealous

so I want to have 1 too.

=/

#kiasu

It has 9 ports/sticks/shapes

to fit charger heads for a few devices.

Contains up to 3000mAh.

(If you don't know what mAh is,

you just have to know this:

the higher the mAh, the longer the battery lasts).

The size in comparison to my model the mouse

*wolf whistles to the mouse*

Comes with a built-in torch.

The bag contains the 9 plug head things, 

the thing with a circle in the middle is the connector,

and the battery itself.

The circular thing is actually the wire. 

It's convenient because it shows how much battery it has left.

=D

So you don't have to wonder how much it has left

or charge for 10minutes and finds out

that it's out of battery.

=/

The reason I want this

is because although I don't use the data plan often

But when I do,

my phone's battery will drain like diarrhoea...

The problem is when that happens,

I will suddenly be expecting an important call

or suddenly need to use GPS.

So,

better safe than sorry.

Now 1 have double battery life. =D

I just have to remember to charge both.

The battery has to be charged using laptop/computer.

Coz it only has a USB charger head.

I'm sure it's worth the money.

=)

3000mAh for RM110.

(it's actually worth RM199)

I know soon some other company will come out with something

a lot more worth the money,

but for now,

I'm happy with it.

that's what J_Fish has to say~ Au Revoir~

p.s. 5 hours in a bus is really long...