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Showing posts from December, 2016

Anime Review: Rakshasa Street

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I recently watch this anime that was in Mandarin with English subtitle. The story revolves between a girl and two brothers. She met him while crossing the road without looking. He knocked her down and caused him to lose the food he was delivering. This chance encounter explains why she calls him and why he calls her stupid girl.
The anime consist of 24 episodes. The development was good, the first episode focus on her looking for a job as a fresh graduate at a job fair (where thousand of others are doing the same thing). Later she receives a text to attend an interview at night. While walking towards the interview, she looked around and realized that the building looked spooky. She then started thinking of why a company would call her for an interview so late in the night - human traffickers or organ traders. By then she was lost in Rakshasa Street filled with demon soldiers. Turns out that she is in a place for the dead and humans are forbidden there.
I enjoyed the story. It turns out …

Simple Money Tips - Savings Part 2

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This is a follow up from part 1, additional tricks of saving money.
Discounts
Some discounts are not obvious because they are not openly publicized. So the first thing to do is to ask whether the store is running any promotions. I do not memorize all the offers provided by my credit card and often miss them - the habit of asking about promotion helps in reducing the times I miss such promotions.
Some promotions that are still available at the point of my writing are: Starbucks will give a RM2 discount if you use your own Starbucks Tumbler or mug. I am not sure if they will offer the same discount if you use a non-Starbucks mug. McDonald’s will give you a free frozen coke if you spend more than RM10 and pay with your credit card. McDonald’s will also give a free item (sometimes fries, other times apple pie) if you spend more than RM20 in the drive through and have a McDonald’s VIP sticker. Beyond Vege provide 15% discount off the total bill for paying bill with a UOB credit card. Discounts for…

Simple Money Tips - Savings Part 1

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The following are some of the tricks I learned over the years and thought of sharing them here.
Cashback Cards
A few years back, I looked my credit card and how I used it. I found that it was better to get cash back than to accumulate points. This was what I concluded:
Most credit card points expire. Often the points will expire before I could accumulate enough to redeem items that I wanted. In many cases, I could not find anything worth redeeming (or at least needed). When I compute the points needed to exchange for cash vouchers, the cash back yield was a better option.
This is why I prefer cash back credit cards over other credit cards types of credit cards. I consider the cash back as discounts since I have to spend money to earn the cash back. Other type of cards is useful if it provides items that is otherwise not available.
I have earned quite a lot of cash back since I switched over to cash back cards. However, in the last few years, the banks have reduced the amount of cash back t…