Although this is not the first time I work for money in my life, but today is officially the date when I am working FULL TIME and waiting for my first ever paycheck.
One thing that I am sure everyone posted to Seberang Jaya training/placement will remember for his or her life was there are plenty of forms to fill up, until you can write your name, I.C. number, birthday, and house address for not less than 20 times. Thus, it is not working to be precise but I will still get my salary paid started counting since today haha.
If got chance I will ask the governemtn why do we have to fill up so many forms ? Too much paper, energy and time ? Shouldn't that all the systems be integrated into a computer so that we can copy and paste :P ? Even the punch-card system had been replaced by a fingerprint recognizing sensor at Jabatan Kesihatan Negeri Pulau Pinang and Hospital Seberang Jaya, as far as I remember, HKL is still using the old punch-card system... I was really impressed by that haha, but that means I cannot be late and ask somebody else to punch card for me.
Now I am in a dilemma, if I am able to remain at Hospital Pulau Pinang after PRP, it will save me a lot of petrol money and time on traveling across the Penang bridge with insane traffic jam prior to and after office hour. However the more hectic workplace in Penang GH and as told by some trustworthy sources it has a complicated personal relationship between staff makes me think twice. Perhaps it is better to just rent a room at Seberang Jaya during my FRP years.
Anyway, I am quite happy and satisfy to be able to get a good hospital and desired placement in Penang state. Good luck to all of B104ian, wish we all can make IMU BPharm pioneer batch to shine all over Malaysia, and establish ourselves as the best pharmacist graduates even we are from private university which is not as well known as USM.
Friday, October 3, 2008
Thursday, October 2, 2008
Debt Consolidation
Debt consolidation is the process of consolidating all of ones credit card payments, medical bills, and payday loans or personal loans into one low monthly payment. Because this is a negotiation process with the creditors, usually no new loans are needed.
Consolidate debt can be done in a number of ways. The most common among them is the home equity loan in which you can use your home as collateral to get a loan. As this is a secured loan, its interest rates are low. If you want a loan without security or collateral, i.e., an unsecured loan, the job gets tougher and the interest rates become higher. You can use credit card transfers as well but you must repay your outstanding debt within the time frame of the low introductory rate. Retirement funds and life insurance are also worth a try. You can also approach credit unions that offer loans usually at lower interest rates and fees. If you are not yet a member, find out if you are eligible to join one.
One great option is a no-profit counseling agency, which can negotiate with your creditors to get your late fees waived as well as have your interest rates reduced. You can also try to renegotiate the credit conditions with your primary lender. Although many advise against it, personal loan from family and friends can be a real option if the situation so demands. Just carefully choose any one from the above mentioned debt consolidation options and get out of debt as quickly as you can.
In case your debt is quite large, it is better to seek debt settlement advice than negotiating with creditors on your own. In fact, creditors themselves will prefer the intervention of a debt settlement company if the amount you owe is quite big. As the market seems full of such companies, you will have to choose the right one from them that suits your budget and requirements. While there are some companies for profit, there are non-profit ones as well in the market.
One of the debt services team is a 501(c)(3) Non-Profit Organization offering free counseling services to consumers even if they are not enrolled in any of the debt consolidation plans. Free seminars are available to the public on how to control your debt. For more information call 1-877-994-0998.
Consolidate debt can be done in a number of ways. The most common among them is the home equity loan in which you can use your home as collateral to get a loan. As this is a secured loan, its interest rates are low. If you want a loan without security or collateral, i.e., an unsecured loan, the job gets tougher and the interest rates become higher. You can use credit card transfers as well but you must repay your outstanding debt within the time frame of the low introductory rate. Retirement funds and life insurance are also worth a try. You can also approach credit unions that offer loans usually at lower interest rates and fees. If you are not yet a member, find out if you are eligible to join one.
One great option is a no-profit counseling agency, which can negotiate with your creditors to get your late fees waived as well as have your interest rates reduced. You can also try to renegotiate the credit conditions with your primary lender. Although many advise against it, personal loan from family and friends can be a real option if the situation so demands. Just carefully choose any one from the above mentioned debt consolidation options and get out of debt as quickly as you can.
In case your debt is quite large, it is better to seek debt settlement advice than negotiating with creditors on your own. In fact, creditors themselves will prefer the intervention of a debt settlement company if the amount you owe is quite big. As the market seems full of such companies, you will have to choose the right one from them that suits your budget and requirements. While there are some companies for profit, there are non-profit ones as well in the market.
One of the debt services team is a 501(c)(3) Non-Profit Organization offering free counseling services to consumers even if they are not enrolled in any of the debt consolidation plans. Free seminars are available to the public on how to control your debt. For more information call 1-877-994-0998.
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