Scholes Fires United into Champions Final

man u was lucky last nite, they played defensive game and won a ticket to championship final :P nani wasted some golden chances and ronaldo was not in the top form, messi keep on pressing. anyway, they gonna set up an all english champions league final against either liverpool or chelsea in moscow.

shall we sing "we r the champion" again?! :P

Shine shine - I'm just tired...

Went to aunty funeral last weekend, saw her laying and everyone was praying her..
this remind me of grandmum's death few years ago...
frankly speaking everyone expect of this day to come as she was having cancer...

i really duno what to say at that time..looking at my parent...they are getting old while most of the time i was only busy over the work and fre...mayb i should spend more time with them in future..i.e. to accompany them shopping, to have a short trip with them...and many many...not just buying thing to them bah...

was planning to have a short trip with deardear...both of us taking leave in 2 of may yet until now we have not yet really plan on it...mayb i was to busy over the whole April and leaving all alone for deardear...just now we just blamed each other on this matter...

i dun mind to go anywhere...cos it should be a happy trip ...end up we both unhappy over planning this trip..sometimes...i should say we both wrong...as i should not say i dun wanna go beach...but really scare of the strong sunshine...but duno when dear said starting to plan up where to go....until this week....nothing coming out...

few weeks ago...u are bz over the xiao ke ai...then bz over the loan agreement...while im bz over the work...

haizzzz...mayb really too late to say who is right or who is wrong...cos it really doesn't matter already...

so if anyone was planning to go anywhere or having trip...is better to plan early early ooo....dun end up like us ya..

dear dear - audio cd burning

been a long time never use my dvd burner. after owning xiao ke ai, feel like to burn some audio cd so tat could listen during riding, but............. my "SXNY" dvd burner spoilt, grrrrrrrrr.... somemore, it spoilt my 3 cdr. wth...

no choice, i used my shine shine laptop to burn it out, but the quality burnt out is bery bery lousy (the software i used is wxndows mxdia pxayer) i wonder if this is hardware or software problems..

then my lucky star came, this is yun feng (one of my housemate). he is quite a weird but nice guy (if u wanna hear a story about him, it could be another long story, maybe ask my shine shine to tell u all, haha..) he got a spare internal cd burner (combo, brand SXMSUNG), it is black in color and just match with my cpu casing. hehe.. we took more than an hour to install this burner to my computer coz we made some idiotic mistakes.. haha..

at this time, i used another software to burn (Acoustica MP3 CD Burner), yesss.... it was successful and the audio cd quality is satisfy. hehe... planning to burn few more audio cd tonite.

moral of the story,

1) dun buy "SXNY" dvd burner, even though it look elegent and classic but it is too sensitive and get spoilt easily, try this brand SXMSUNG,

2) dun use the common cd burning software, ie wxndows mxdia pxayer, rxal player, itxne. the quality is sucks

dear dear - shine shine's aunty passed away

my shine shine recieved a bad news when she called home last nite, shine shine's aunty has just passed away. i have seen her aunty three times. first time is at shine shine's bro ROM dinner, another two is at her aunty home.

shine shine said she turned to thinner after the deceases. the whole family and even doctor could not help much. we even call my doctor fren from taiwan, but he also gave no advise. sad....

think whole shine shine family is now in a low morale. pray everything gonna be all rights...

our 1st time...going kl by train ooo...

It has been one week...whole week i dun really have time to look at the updated blog from my deardear...feel sooo sorry for him as i was too busy over the work ya...

well...how to say...im glad to be one of team for current job as i reli got to learn a lot from everyone..im glad to have a deardear who love me so much and always caring me a lot, patient enough to talk to me and wait for me all the while...

keep it short..my whole week...except for the work...shine just felt sleepy...haha...

my 1st time went to kl by train at late nite on friday with deardear...it's fun enough but i could not get enough sleep as i was worry that v might over sleep ya..the whole nite, i woke up about three times to check where we are ooo..

mm...shine need to climb up to the upper level while deardear slept at the lower level...actually quite enjoy and excited as early in the morning...we will able to get to see our "xiao ke ai" oo...which is the car dear bought from anderson...

frankly speaking...shine dun really know lot about the car...or even modify car..but the 1st time, seeing the "xiao ke ai"...shine like it...haha...

we reach kl sentral about 6:30am...walking around at the kl sentral...seem nothing had been changed except for myself...had been working about 3 years...it really a long time for me ya...even just started the new job but i still prefer to study rather than working oo...haha...

about 7:30am...met up with anderson and see our "xiao ke ai"...we both excited to see it...mmm...forgot to bring along my camera...or i will help deardear to take picture in front of the kl sentral with xiao ke ai ooo....

too bad we din really got chance to shop around at kl ooo....as shine is needed to back for work... :( and yet now my director told me she can manage herself with the work....
so i can do smth on tml except for work lol..

Dear driving all the way bck from kl to jb...mmm...this xiao ke ai...very different from xiao ying oo....shine was thinking how to help dear to decorate all the thing ooo...but not too gal gal style...or xiao ke ai will become shineshine's xiao ke ai liao...hehe...

dear....last nite...shine really a bit scare to sleep alone with you accompany...even u are near to me...but still scare oo...

u know...i felt sweet after reading the email that you forwarded to me...
we must work hard together oo...taking good care of xiao ke ai n xiao ying...and plan for our future...
;p

dear dear - refinance housing loan (2)

after doing some research from internet, i find out there is another bank offer attractive interest rate a, which is hoxx leoxx bank :P

hoxx leoxx bank offer

loan amount : 170k + 6k (penalty cost for exiting previous package)
tenture: 15 years
lock in tenture: 5 years, penalty 3% of original loan amount
interest rate: BLR - 1.9% for for whole tenture

total repayment: $248,054.99

furthermore, hoxx leoxx bank just few steps out from my house, the agent is my science society senior which is trustful enough. somemore, there is no monthly saving account maintenance charge ($10, which can save up for $1,800 for 15 years) hmmm.. quite a great offer. should i wait for another quote from public bank?! advisor pls.....

dear dear - refinance housing loan (1)

me and dad bought a house at 2 years ago at jb. recently recieved a call from standxxx charterxx bank regarding refinance my current housing loan. they offered quite an attractive package.

my current package with alliaxxx bank

loan amount : 170k
tenture: 15 years
lock in tenture: 3 years, penalty 3% of original loan amount
interest rate: BLR + 0.25% for first 3 years
BLR - 1.35% for remaining years

total repayment: $256,667.45


standxxx charterxx bank offer

loan amount : 170k + 6k (penalty cost for exiting previous package)
tenture: 15 years
lock in tenture: 5 years, penalty 3% of original loan amount
interest rate: BLR - 1.65% for first 5 years
BLR - 2.05% for remaining years

total repayment: $249,100.52

current BLR is 6.75%. there is a 7k difference between 2 packages, quite worthed it. but the problem is only 1 standxxx charterxx bank at jb and not so convenient to reach there. i am thinking of asking public bank to offer me, but could not find any contact.

or should i refinance after 3 years (after lock in period) anyone can advise?