Debt Consolidation

When it comes to unemployment rate, I remember reading something about the U.S unemployment rate that spikes to 16-year high of 7.2%.

According to a recent report, 2.6 million jobs were lost in 2008, the most since 1945.

Some of my friends working in a factory manufacturing industrial knobs were working half month for December due to sharp decline in orders.

I heard that they will be working for two weeks too in January. Hopefully, things will get better and people can at least have some work to do to bring in some income home.

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U.S Unemployment Rate Spikes To 16-Year High Of 7.2%

Have you had your annual salary increment this year? My sister has been grumbling that she won’t be given any increment for year 2009. In fact, all her colleagues have the same fate.

I remind my sister that she is lucky to still have a job. She should be worrying more about layoff problem than salary increment in times of economy crisis.

Am I not right?

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Should Be Worrying More About Layoff Problem Than Salary Increment

The other day I set my goal of $1,000 for emergency funds. Even though I have a few hundred dollars now for the emergency funds, I wonder if I can reach $1,000 by February 2009.

This is because of hubby’s foot reflexology center. It’s open starting this month. Shop rental, furniture, small renovation, advertising board, door hardware accessories and a few more things have used up some of my income this month.

I don’t think I can fork out a few hundreds for the emergency funds this month. This means my goal of $1,000 emergency funds may be reached by March or April.

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May Hit $1,000 Emergency Funds By March Or April 2009

Talking about home loans with some buddies, it seems that they are quite satisfied with their banks. I am satisfied with the RHB home loan staff.

But, I am not quite satisfied with certain RHB staff based in Ipoh main office. They are front line customer executives who are handling phone calls and customer inquiries.

I remember asking them for my latest home loan statement a few months ago after purchasing a Bluetooth headset nearby.

All I wanted was a copy of my latest home loan statement. I was even ready to pay for the copy of home loan statement. Guess what? They wanted me to write in and they would print it out after they received the letter.

I never expected they would say such thing because I used to get my home loan statement from there before. I said I needed it on that day and hoped they gave me a copy. They refused.

I was so furious and stormed out of the bank. My only regret is that I didn’t ask the female customer executive’s name.

But of course, I recognize her face. Once you are in RHB Ipoh main office, look left. There are two desks for customer executives.

The first desk is the female customer executive’s desk. I will never forget her orange lipstick color!

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Dissatisfied With Ipoh RHB Customer Executives? Customer Care Service

I am still waiting for some banks’ official letters before I can add up my total debt. Some of the banks are really stubborn!

You see, I have been under the debt management program since October 2008. Until now, some banks are still unwilling to send me an official letter stating the exact balance I must settle under the debt management program.

All I get from these banks are monthly credit card bills charged with 18% interest rate charges, late fees and cash advance interest charges used for purchasing discount furniture or home appliances long long time ago.

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Banks Still Charge 18% Interest Rates & Late Fees