Do not procrastinate from paying your debts!

Sometimes you just have to face yourself and realize that you you are where you are because of some poor choices you made along the way. Sometimes we think that if we put things off a little longer, it will be better. But hear me loud and clear, it is not! If you’re putting off paying credit card debt, you need to face up to it. Procrastination only makes things worse, it prolongs the pain and the worry unnecessarily. Procrastination is the is like a thorn in the side, it’s every time you put something off for some reason or another (usually instant gratification). But no matter how long you put it off it will still be there. Taking care of your debt requires you to make some serious changes in your life and your habits. It’s not just about taking the easy road, there really is no easy road. Life is full of challenges and obstacles, and with every one of those situations comes a lesson to be learned.

When it comes to debt so many people procrastinate because they unknowingly trying to avoid the feelings of pain. Addressing the problem is a reminder of the mistakes that you once made. By leaving the task unaccomplished you begin to turn a small problem into a bigger one, the longer you put something off, the worst in becomes. The goal in this situation is to stop thinking about it and take the action to tackle whatever it is that is haunting you. If you look too far ahead, your task starts to seem impossible, you begin to think about how many months or years it will take you to complete it and it becomes overwhelming. Thinking too far ahead is not always beneficial, especially when it comes to paying off your debt. Just take the first step, it can and will change your life.

Every time you put an important task off, or put something on hold for a later time it will make you feel bad over time. Make a list of things that you have to take care of in order of importance and begin to tackle them one at a time. The sooner you do this, the great you will feel. When it comes to your debt, there are many easy steps to take. They do take work and time, but there’s no greater feeling than getting rid of tsomething that is so draining on your energy.

Taking that first step is not always easy, fear is the number one reason people avoid doing what they have to do. It’s time now to step out of your shell and take charge of your life for t he better. Whatever it is that is holding you back, you can overcome it. Devise a plan and follow it, just do it!!

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Do not procrastinate from paying your debts!

Sometimes you just have to face yourself and realize that you you are where you are because of some poor choices you made along the way. Sometimes we think that if we put things off a little longer, it will be better. But hear me loud and clear, it is not! If you’re putting off paying credit card debt, you need to face up to it. Procrastination only makes things worse, it prolongs the pain and the worry unnecessarily. Procrastination is the is like a thorn in the side, it’s every time you put something off for some reason or another (usually instant gratification). But no matter how long you put it off it will still be there. Taking care of your debt requires you to make some serious changes in your life and your habits. It’s not just about taking the easy road, there really is no easy road. Life is full of challenges and obstacles, and with every one of those situations comes a lesson to be learned.

When it comes to debt so many people procrastinate because they unknowingly trying to avoid the feelings of pain. Addressing the problem is a reminder of the mistakes that you once made. By leaving the task unaccomplished you begin to turn a small problem into a bigger one, the longer you put something off, the worst in becomes. The goal in this situation is to stop thinking about it and take the action to tackle whatever it is that is haunting you. If you look too far ahead, your task starts to seem impossible, you begin to think about how many months or years it will take you to complete it and it becomes overwhelming. Thinking too far ahead is not always beneficial, especially when it comes to paying off your debt. Just take the first step, it can and will change your life.

Every time you put an important task off, or put something on hold for a later time it will make you feel bad over time. Make a list of things that you have to take care of in order of importance and begin to tackle them one at a time. The sooner you do this, the great you will feel. When it comes to your debt, there are many easy steps to take. They do take work and time, but there’s no greater feeling than getting rid of tsomething that is so draining on your energy.

Taking that first step is not always easy, fear is the number one reason people avoid doing what they have to do. It’s time now to step out of your shell and take charge of your life for t he better. Whatever it is that is holding you back, you can overcome it. Devise a plan and follow it, just do it!!

Continue Reading

Do not procrastinate from paying your debts!

Sometimes you just have to face yourself and realize that you you are where you are because of some poor choices you made along the way. Sometimes we think that if we put things off a little longer, it will be better. But hear me loud and clear, it is not! If you’re putting off paying credit card debt, you need to face up to it. Procrastination only makes things worse, it prolongs the pain and the worry unnecessarily. Procrastination is the is like a thorn in the side, it’s every time you put something off for some reason or another (usually instant gratification). But no matter how long you put it off it will still be there. Taking care of your debt requires you to make some serious changes in your life and your habits. It’s not just about taking the easy road, there really is no easy road. Life is full of challenges and obstacles, and with every one of those situations comes a lesson to be learned.

When it comes to debt so many people procrastinate because they unknowingly trying to avoid the feelings of pain. Addressing the problem is a reminder of the mistakes that you once made. By leaving the task unaccomplished you begin to turn a small problem into a bigger one, the longer you put something off, the worst in becomes. The goal in this situation is to stop thinking about it and take the action to tackle whatever it is that is haunting you. If you look too far ahead, your task starts to seem impossible, you begin to think about how many months or years it will take you to complete it and it becomes overwhelming. Thinking too far ahead is not always beneficial, especially when it comes to paying off your debt. Just take the first step, it can and will change your life.

Every time you put an important task off, or put something on hold for a later time it will make you feel bad over time. Make a list of things that you have to take care of in order of importance and begin to tackle them one at a time. The sooner you do this, the great you will feel. When it comes to your debt, there are many easy steps to take. They do take work and time, but there’s no greater feeling than getting rid of tsomething that is so draining on your energy.

Taking that first step is not always easy, fear is the number one reason people avoid doing what they have to do. It’s time now to step out of your shell and take charge of your life for t he better. Whatever it is that is holding you back, you can overcome it. Devise a plan and follow it, just do it!!

Continue Reading

Phishing Email

I’m a fiery and short tempered person in nature, and it doesn’t take much to anger me or annoy me. As of late, I’ve been receiving an email that I suspect a ‘phishing email’. For those who are not really familiar with the term ‘phishing’, phishing an act of sending an email to a user and falsely claiming to be an established legitimate enterprise or organization in an attempt to scam the user into surrendering private information that will be used for identity theft.

The email will usually directs the user to visit a website where they are asked to update personal information, such as passwords,credit card codes, id number, and bank account numbers that the legitimate organization already have in their database. The website, however, is bogus and set up only to steal the user’s information.

The recent email that irritates me to no end lately is an email claimed to be sent on the behalf of CIMB Bank, Malaysia. So, after receiving the same email a few times, I’ve decided to report it to CIMB Bank for further investigation. I’d like to share the phishing email with my dear readers as a forewarning. Do not fall for the email below.

Dear CIMB Bank customer,

We are hereby notifying you that we’ve recently suffered a DDos-Attack on one of our’s Internet Banking server. For security reasons you must complete the next steps to verify the integrity of your CIMBClicks account. If you fail to complete the verification in the next 24 hours your account will be suspended.

Here’s how to get started:

1. Log in to CIMBClicks online account (click here).

2. You must request for TAC online via CIMBClicks – your TAC will be sent via SMS to the mobile phone number you registered at the ATM.
( you can find the “request TAC” button in the left menu of your account )

3. Logout from your account and close the browser.

4. When you have received the TAC (Transaction Authorization Code) on your mobile phone, Log in to our secured verification server and submit the requested information(Account user ID, password and TAC).CLICK HERE to go on our secured server.

5. Please allow 48 hours for processing.

Please comply and thanks for understanding.
© 2008 CIMB Bank

Note: Please do not reply to this email.
This mailbox is not monitored and you will not receive a response.

I’ve forwarded the email to CIMB Bank for further investigation, and was pleased to note that I receive a reply that’s less than 24hours. Here I’d like to extend my gratitude to CIMB for their efficient PR service. (Which is so unlike the bloody McD. Til tis very second, I still haven’t get any feedback from them)

Below is the content of my short notice to CIMB Bank:

I’ve received this suspicious email. I don’t even have a CIMB account, how is it possible that your bank would request me to verify the integrity of my account? Please alert your clients about this phishing email. This is the third time I received the same email.

Regards,

Lizzie


This is what CIMB Bank personnel, Ain, wrote to me, confirming that it’s indeed a phishing email. So I thought, I’d warn you guys about the phishing email. Don’t fall for it, okay?

Dear Sir/Madam,

Thank you for reporting to us on the matter.

We wish to inform you that the e-mail is NOT from us. This is a phishing email as the contents are absolutely not related to our bank, CIMB Bank Berhad.

Please to be informed that this message or email can be safely ignored and discarded

For further information this e-mail would be sent to thousands or maybe millions of users. Recipients are not necessarily being CIMB Customers. Fraudsters are merely holding on to lady luck to get responses from CIMB Bank customers. That is the reason most phishing emails carries a very generic greeting (example: Dear CIMB Bank Customer). Meaning there are probabilities a non CIMB customer will receive these sorts of emails.

Regards and have a pleasant day.

Ain


Cleffairy: Do take note that banks do not usually ask you to verify your pin number or password via emails or phone. So please do not fall for such tricks, for the consequences could be fatal.

PS: Dear readers, please feel free to copy/paste phishing email, apart from the one above and share it with the rest of us here. Feel free to share your ‘phishing’ experience here too, be it via emails or the ones via phone calls. 😀

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