I am Blessed

I have enough money to buy whatever I want and a dream job to work at home since 7 years ago. On top of that, I also have a part time job to write articles every month. I can also nap anytime I need in an air-con room upstairs and work when I am in the mood. This is God's blessings upon my life and I am thankful for it. Hence, I work at leisurely hours and not tied down to any deadline. I also have the time to blog now and then for cash and to earn from it. Moreover, I have a few sources of income on my own without anyone's help. But whatever it is, I still need to save up as much as possible for my retirement years to be golden and not woeful.

Your Personal Credit

Maintaining a good Credit Report is important to get bank loans and to apply for personal loans and credit cards. It is your financial reputation at stake where you can check your Free Credit Score from the link given. Since the credit crunch in 2008, many banks are turn to American Credit Report to assess the financial status of an individual before offering out loans for housing, business or other matters.

Hence, it is important not to max out your credit card and pay on time every month so that there is no bad history of missed payments in order to apply for future cards or housing loans. Banks are quite stringent in this area and they always do a credit report check on an individual to make sure that he is able to pay back the loan given out before even offering him the approved loan. So make sure you pay your credit card bills on time every month to have a clean standing with the financial institutions. Even if you pay your credit card bills late, it will be recorded in your credit report as a means to assess the type of paymaster you are – good or bad.

That's how most of the bankruptcy cases started - from overspending beyond one's income and maxing out credit cards. Many of the bankrupts are youngsters in their twenties who constantly splurge and spend more than what they earn. They chalk up more and more credit card debts until they are unable to pay back! This is a very bad spending habit that should not be inculcated from young. When you are a bankrupt, you will not be able to apply for bank loans, travel overseas or own properties like house or car. And whatever you earn, you have to pay back the banks of your outstanding loans until they are cleared and fully paid up.

I have an acquaintance who is a bankrupt due to fraudulent business dealings and got cheated by his business partners. The problem started when he signed as a guarantor for a huge bank loan amounting to millions of ringgit for the business dealing. Because of being too trusting and naïve with others, he has to now pay back for his mistakes – cannot travel overseas, cannot own a car or a house and whatever he earns, he has to pay back the bank bit by bit. He also cannot take legal action in court as a bankrupt!

God is Good - All the Time

God is Good - all the time. There is a song entitled God is Good and I love the lyrics. It was made famous by Don Moen, a popular Christian singer. I still listen to the CD album now and then which I have at home. We all need God's protection from sickness, disease, accidents, deception, and evil in any forms that exist around us in this fallen earth, since Adam took the forbidden apple from the wrong tree. Sometimes I wish the rapture will happen in my generation so that I don't have to go through death, sickness and weakness.

Living a Blessed Life

I have good health, able to enjoy good food and travelling all over Malaysia with some holidays in between work. I have the priviledge to give offerings to my local church and to listen to sermons every Sunday. The praise and worship was enjoyable with the lyrics uplifting the soul. Listening to praise songs is a killer of depression that lifts up your weary soul. It is written in the Bible that 'Man shall not live by bread alone but by every word that proceeds from the mouth of God'. And the bible is God's love letter to mankind which we should read regularly for the edification of our souls.

I love Gold Bullion

I have a small collection of jewellery and love my 2 gold bullion that were given to me since I was small. They are very good investments and hedge against rising future inflation that erodes the value of paper money. So, if I have more money, I will surely invest in more gold bullions and gold savings account or paper gold in the bank. Public Bank is one of the 4 banks in Malaysia that offers Gold Investment Account (GIA) with a gold passbook for your reference. So far, I have invested about 40gms of gold in GIA and still hold it until now since early this year.

Lots of Work Today

Today, I have lots of work as I prepare to design the yearly calendar and add in the date plus highlighting the public holidays for next year 2011. This season is the busiest time for me from my current employment in a home office. I need to be proficient with the computer in order to work effectively and promptly so that all the calendars are sent out before Christmas. My boss just recovered from Influenza B and back to normal work again helming the small company to more profits. My boss is very blessed since becoming a Christian and gets consistent projects every month.

Tired but Happy

I am quite tired now after having woken up at 6:30am this morning, but quite happy with my online venture. In a short while, I will go back upstairs to nap again. Need a break from typing and from the glare of the computer monitor. But it is good to be able to earn cash now and then as a virtual assistant and blogger. Hence, I thank God for my blessings and the ability to deliver the work done in a home office. I am also grateful to my family for my education and tuitions in the past. Those years were unforgetable.

Heaven is Very Rich

Heaven is not only rich but very rich. The streets are solid gold and not paved with gold. I am sure there will be lots of gold coins all over the place that the angels play with. This is the eternal resting place of bliss for the departed who are children of God. Heaven is a place where there is no more sorrow, disease, sickness, aging and death. No earthquake, tsunami or volcanic eruptions. There will be no pestilences and all the evils that this fallen earth experience since Adam took the apple from the wrong tree and disobeyed God. This is where I will go to when I leave this earth.

Psalms 91

Psalms 91 is the psalms of protection. You need to claim on it often if not daily. This is very soothing to know that our Heavenly Father is our protector from Satan's darts of sickness, disease and premature death. As children of God, we can claim this promise in our walk wit God. During our quiet time, we can meditate on this Psalm upon our lives. We need to have a hedge of protection around our lives from evil in any form - be it accidents, sickness, illness, disease, etc.