Chatters

green, no more books in ice-cream .. i have plenty already .. sometime this week, i was watching tv and saw a cooking show by jacques pepin - my all-time favourite french chef so i went to get his book la .. and of course when i'm there, i cannot stop at 1 ..
 


Heart and Mark,
See u at 12.45pm tomorrow.

Mark,
Do u feel better today? Has your flu recovered? Tomorrow I'll bring a mask for u to wear LOL. Now 53% of flu cases are H1N1.
 
Mark,

Good to know that u're feeling better.
happy.gif


Some of the confirmed H1N1 cases have no fever and cough at all. Doctors can't identity whether it's seasonal flu or H1N1 on us unless they do the H1N1 swab test.
 
See u all at Yishum Safra Club at 1pm today! ^^

I went to watch Harry Potter movie just now. The whole threatre only had my hb, me and another couple hehe.

Heart,
I have packed sample of my shampoo for u. Please remember to get it from me today. Your memory is better than mine
happy.gif
 
mark, i think it's the season to get flus/ colds .. mine is never-ending .. i went for flu jab in june, a few days later came down with flu .. saw GP, still not doing good after his meds - went to staff clinic, got nasal swab .. was negative, no meds given. now my cough and runny nose are back with a vengeance - argh!

hope you'll get better soon.

rinn, i think i can make it .. :D
 
Hi peeps!

Greenie, i had a long sleep on sat night and woke up at 2pm+ yesterday.. now having runny nose again... i think its the weather.. i catch a cold quite easily... aiks!

I think i can join the outback outing too.. hee hee.. i nvr try outback before.. finally!! Yippee!
 
I bought grounded cinnamon powder yesterday. I added 1 teaspoon of cinnamon + 1 tablespoon of honey with 1 glass of water today.

How much cinnamon should I add to my water?

I dislike the taste but will force myself to drink it regularly
sad.gif
 
morning chattttttters.... had fun at the tim sum's?

all thanks to the outback menu, i'm salivating on my keyboard....
slurrrrrrpssssssss
 
Morning peeps!

i am a girl with a red shade of hair wearing a red dress carrying a red bag matched with a pair of red+pink+purple heels today.. haha..
 
lolx. ya vios, it is CNY everyday to me. haha..

every morning is a new beginning mah!

rinn jie, of cos i rememeber!!!

greenie, i duno lei.. i have 2-3 bags for each different occasion.. casual, work, study, play, shopping, weekend, road trip, diving trip, short trip... lolx..
 
Credit card stolen? Mind the pitfalls


BANKS in Singapore are standing by their policy of holding customers responsible for transactions made on their lost or stolen cards if they do not report the missing card in time.


Consumers who cry foul may have no leg to stand on, as the policy is stated in the fine print on the contract they have signed.

A check with seven banks and two credit card companies has found that those who hold Singapore-issued cards are liable for any unauthorised transaction made before the loss is reported.

Some, like DBS Bank and Citibank, will at most review cases individually.

One bank that did not want to be named told The Straits Times it was unfair for banks to take the blame and shoulder the cost when cardholders themselves in most cases are careless or negligent. There may also be fraud involved.

Only Maybank and American Express (Amex) have limited liabilities for lost and stolen cards, capped at $500 for Maybank and $100 for Amex.

An ST report two weeks earlier about a consumer who was left with a $17,100 bill after she lost her cards led others like businessman Benjamin Ng, 46, to ask if the practice in Singapore was fair.

Mr Ng, who lived in the United States for 10 years, told ST: 'In the US, the consumers have the right to write off such obvious injustices by simply informing the banks when their cards are stolen and their liabilities would be wiped off.'

The US Truth in Lending Act has special provisions which limit cardholders' liability to $50 for fraudulent charges.

Malaysia's central bank, Bank Negara, limits consumer liability to RM200 (S$82) after a card is stolen.

In Singapore, banks are guided by the Code of Consumer Banking Practice, which is silent on credit card liability.

The exact extent of credit card fraud is not known, though Euromonitor International estimated that $5 million was lost in financial card fraud last year; this covers credit cards, Nets, debit charges and charge cards.

It found there were 7,180,900 credit cards in circulation last year, with $20,642,900 worth of transactions.

Amex and Maybank say they receive a few reports each month of lost or stolen cards while OCBC says it rarely comes across fraud.

Singapore Retailers Association executive director Lau Chuen Wei advises consumers to vote with their feet and walk away if they disagree with the terms and conditions of the issuing bank.

Agreeing, the Consumers Association of Singapore president Yeo Guat Kwang said: 'Consumers can choose to take cards from banks that offer them terms they are satisfied with.'

[email protected]
 
my ocbc card was blocked, they informed the husband that they notice some suspicious activities being made on the card so they blocked it. then the husband conveniently forgot to inform me .. used the card when i registered for the motorpay system (no need to put cashcard in when going under ERP gantry) - had so many fines until he put two and two together .. argh!
 
ERP fines i always pay because the husband will conveniently toss the papers to one side, thinking he'll do it later but then will forget. once i only had to pay like $8.50 but because he forgot to pay, i had to pay them $70!!!!
 
Cucl,
Yeah it's hard to monitor the many bills becos every bill has different payment deadline! I have to set auto reminders in my Outlook so that I dun miss paying any of my credit card bills.

You can use Internet Banking to pay for your credit card bills. It's more convenient. I always use IB to pay for my DBS and Citibank credit card bills. Then for my other bills like handphone, internet etc, they automatically get charged on 1 of my credit cards through GIRO.
 
green, actually i don't go according to the payment deadline - as soon as i receive a bill, i will auto pay so that i don't have to think about it. :D

but the husband arh .. i will compile the bills he would pay and pass it to him, he said he'll make IB payment but then toss it aside so that he can continue with whatever he's doing on his comp and then forget about it. i have to stand there and stare before he'll do it.
 


it is month end, and there are reports flowing in to my big boss for review...
all the PICs walk to my boss's table, look around before coming to me and say:"can you pass this to him? i cant find his in-tray..." i almost laughed out immediately... haha..

his in-tray is always buried in piles of paper.. and he dun wan me to pack his table.. he requested me to pass him a few carton box instead.. "i will just throw everything in.." he said. ~.~
 
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