My Private Thoughts
Thinking Allowed

Its June 27 and I’m hovering around the US$191 mark on Adsense.

I just have 3 days to hit my personal target of US$200 a month on Adsense income. I’ve been consistently hitting it for the past 2 months.

Don’t fail me now!

WRONG!

Silence means I’m out of topics to write about! BAD BAD BAD!

Haha… Actually, part of the reason for the silence is some dating issues. Yes, am dating again and its a great bother. No, seriously. As I said before in my previous post, I’m not exactly looking for anyone to share my life at this point.

I did meet up with 2 people recently. Both perfectly nice chaps. One’s a banker (or rather he works in a bank) and another’s an insurance agent. ARGH!! 2 professions I can do without! M worked in a bank. He was awful. I don’t want another banker!

When D told me he worked in insurance, my alarm bells immediately went off. He was nice and sweet but I could not help thinking that there was a part of him that might want me to part with my money for an insurance policy that I do not need.

I’m still keeping in touch with them though. No point closing off the mind to possibilities right? But I’m not seeing potential here. But then my heart isn’t involved too so I’m not doing too badly I think.

As for the country’s politics? I give up. Too much bad news spinning around with no end in sight!

With rising fuel costs and the approaching recession (or is it already upon us?) this is a bad time indeed to be caught out with bad credit. This is the time you need money and it is a time when you may have to turn to loans or personal financing or any means of borrowings to tide you over the bad time.

Times like these, you may have to consider looking at your credit history and if you have to, fix bad credit. Its easier said than done though. Its not as easy as paying off all your loans and then sitting back to let your credit recover itself. You have to get out there and make sure that it your bad credit is fixed and that it recovers and that your credit turns up trumps again should you need to rely on it.

If you don’t have the means to do it yourself or don’t know how to go about fixing bad credit, its time to turn to people who can help. So, what do you want to do? Moan about not getting a loan or doing something about it?

I was out mall browsing for 2 solid days – Friday and Saturday. It’s been a while since I hit the malls and I noticed that most stores are now on sale. Not surprising because its about time for the annual Mid year Sale that Malaysia has.

What surprised me was this – many stores were empty although there were big SALE announcements on the store windows. Most noticably, department stores like Isetan and Metrojaya were quiet. This was worrying.

Based on previous experience in Singapore, stores having sales are usually bustling and there are people walking in and out buying things all the time. In fact, while I was at Takashimaya one Saturday afternoon, they even made a special announcement that the store was very packed and that people were to be careful. Not so here. Here, I see the sales assistants standing around looking bored as a handful of shopping browse in the aisles.

As I said, its worrying. Has the recession well and truly hit us? Is it because people are more careful with their money now that petrol prices are so high and other consumer goods prices are expected to rise? I suppose now would be a bad time to invest in any real estate be it commercial real estate or residential. Someone told me that the stock market is dropping so it would be a good time to pick up some bluechip stocks are good prices. But I wonder if it’ll be worth the risk, especially if a recession hits.

Now is probably the best time to hold cash in hand. What do you think?