Money! Money! Money!

Money is hard to come by. And I know how hard it is to save up just to let it go in fulfilling my dream in getting my first degree. I will never understand people who are desperate enough to borrow money from family members or friends – promising the lenders that they will pay back in a short time. Now, how short is short?

Don’t these people realise that they have to pay high interest if they were to loan from the bank? Apparently, there are some heartless creatures who are just plain selfish!

The rule of thumb is that:
Money you have now is worth more than the same amount you have in the future.

So, it does not make sense to lend out $5000 in 2009, only to get back the same amount ten years later.

Let's calculate how much you'll earn if you put the $5000 safely in the bank with 2% compound interest for the period of 10 years.

Formula: [$5,000 x (1 + 0.02 interest)]^10 years = $11,904.24

It's a lot of money, don't you think?

To all kind-hearted lenders out there (sans the loansharks who are a lot more smarter), don’t fall into this vicious trap. You’re not helping the borrowers but you’ll only encourage them to keep on borrowing.

Remember, there's always EZY Cash that they can rely on.

:)

Note: I came from a poor family so it irks me that people take others for granted and hurt them in the process of borrowing or lending. My Mum and Dad taught me to make do with what I have, not what I don't. I hope YOU will make do with what you have too.

Of friends and weddings...

More pictures on Facebook.

Morning Sickness Can Make Your Child Smarter: Study - CityNews

Expectant mothers who experience morning sickness may not be suffering in vain.

A new study out of the Hospital for Sick Children has found the nausea and vomiting that plague some 80 per cent of pregnant women may actually result in a smarter child.

"Our findings suggest an association between [nausea and vomiting of pregnancy or NVP] and improved neurodevelopment in the offspring," noted Dr. Irena Nulman, lead author of the study. "NVP is a widespread and puzzling physiological phenomenon that has yet to be sufficiently studied."

The research shows children of women with morning sickness scored higher on IQ, verbal, phonics and memory tests. In fact, the more severe the symptoms were, the higher the scores. Not surprisingly, maternal IQ also played a role.

That's good news for mom-to-be Jennifer Rubenstein, who's been suffering from the ailment. "In the beginning I was sick about anywhere from 10 to 15 times a day," she recalls. And even at five and half months along, she's not done yet. "It hasn't just been morning. It has been morning, afternoon and night."

If the research is right, she may be giving birth to a future Einstein.

"It does seem that the "puke-iness" is going with better hormonal levels," suggests Dr. Gideon Koren of Motherisk. Better hormone levels equal a healthier placenta. For years, doctors have known that morning sickness helps prevent miscarriage and heart defects in babies.

"The fact that you suffer may have a prize at the end of the road," notes Dr. Koren.

Previous studies have suggested an early protective benefit, but this is the first time the long-term effects, including intelligence and cognitive skills, have been examined.

Source: Morning Sickness Can Make Your Child Smarter: Study - CityNews



This is my own pix which I tweet-ed last week.
Thanks Azlina for the info!

And to Baby A, you make me so proud of you already. I'm sorry to have complained too much in my previous entry. I'm sorry to let my emotions change my positive outlook towards life. I promise to eat and drink right so that you can get all the nutritions you need.

Mummy and Daddy love you so much and we can't wait to see you on the 23rd! We collect pictures of your teeny-weeny developments and we're glad that you're doing so well inside. Happy swimming, baby! Don't kick me too much though. :p

Bohemian Rhapsody - Who's better at it?

Adam Lambert's version



The Muppets' much oomph version



Watch the clips?

We were all wrong about Adam Lambert becoming Freddy Mercury's successor. My fave is the crazed red animal crooning the familiar "Mama...", and nothing else.



Let's see if you can remember this nursery song next.



SERIOUSLY, LAGU NI TAKDE MAKNA!!!
Supercalifragilisticexpialidocious. WTH.

TK Band Concert

Thanks to Fana and her brother who fetched me to the concert, I was able to concentrate on putting on the make-up in their car! LOL!

Seriously, I don't really like to dress up these days. Some friends predicted that it's going to be a girl - hence the constant vomitting and not-looking-pretty presentation of late. Hahahaha!!



Actually I prefer my 'slack' life now.
Just can't be bothered la.
I prefer to be in slippers, t-shirt and jeans.



Now, now. The highlight of the concert is not TK Band but the Thai boys (and girls) who performed. There, I said it....my very honest opinion (hopefully nobody will hentam me here).

Not just because they're good...hey, they're CUTE too!!!
To my baby inside, if you're a boy, pls pls 'terkenan' that cute Thai boy! :p

Hahahahahahahahahahahahaha!!!

Ok, I know.
I'm naughty.
Can't help it.

It's the hormones, you know.

...

It's been a stressful month. I've been dreading to work. My journey to work by bus or taxi is a nightmare now. Strange, after I've let it all out I feel better, only to dread lunchtime next. I don't eat much, I can't eat what I like anymore and my sleep is constantly disturbed by sudden cramps. I can't find a good position to sleep. I don't have enough maternity wear. I've outgrown most of my clothes. I'm just plain whiny now.

Wow. I feel better for letting this out.
Goodbye!


P.S: What shall I do with Firda's kain?