I really hate interviews esp if they come suddenly with extremely short notice. Then I have to quickly prepare my clothes, shoes n lines. Worse still, I still havent perfected my speech- not to mention even prepare for that. Although I had crashed n burn my resume n phone conversation.... this part unfortunately is still undone as I was gaming happily until out of the blue, in the middle of the nite, suddenly one lone call came. In a blink of n eye, i have an interview 1 n 1/2 days later.... sign... Why cant mine come at more normal timings..... usually they come when I am in the toilet n late at nite or bloody early in the morning. At these times, my mind would not be as sharp n would either just reject or screw up. They should at least call before or after lunch. So now I have less than 24hrs to prepare for the speech.... sign.... No wonder I have a tendency to screw up.

The old lady looked at Monkey Hell, and laughed in a hoarse manner that sounded like a car engine starting. No wonder no evil dwells here. No one could stand that noise/voice. Having lived in the forest for centuries without conflict, the White Witch, or H joined up with the Temp brotherhood for adventure. But both Monkey Hell n X have to cover their ears and grit their teeth whenever H tries to start a conversation or laugh.... Poor them....

With their newest ally, the Temp brotherhood ventured forth towards Mt Heeheehaha to face the remaining member of the baboons that stood in their way- KPOcumEternalPMS..... (to be continued)

An additional part regarding investments into endowment funds esp for Kheldar:
Okay so how did I end up having an endowment fund? Well it happened a few yrs back when I was depositing $$ at my bank. Then the counter people diverted me to one side for this endowment. (Please say NO to them) And I thot that it was okay, saving $100 per mth n 'investing' (please note the '') the idle $$. But after I signed the dotted line, n read thru the whole policy n fineprint n do calculations with my financial calculator..... The whole deal is not attractive at all. The only thing is that luckily mine was a savings endowment, plain type not those exotic structured ones linked to exchange rate etc.

Why? First off, U feel the pinch of $100 less per mth in terms of cash. Even if u pay annually like me, there is a pressure to put aside $100 or the full sum at least before the end of the year. Otherwise it would eat into my bank ac. I hope u all understand what I mean. The money in ur ac is liquid, u can withdraw anytime. But your 'savings' in the endowment cannot be withdrawn.... u can by either surrendering ur policy with huge huge losses, or wait until u can withdraw ur yearly premiums. Which is stupid cos u are drawing out your capital- a big no no in finance. On top of that u lose the extra bit of interest on the premiums if they r not withdrawn. So DO NOT rely on this as a 'saving' ac. It is NOT ONE.

Second, while the IDEAL PROJECTED RATE OF RETURN of the policy is nice to look at.... it is but an assumption based on the highest end of their estimation n is not the REAL rate of return. So dun expect to get as much as they promised. Really think abt how they derive their figures, not just for this but for the numerous types of investments or loans outside. Are the gains or savings for REAL? The most that one can get out of the savings endowment policy is your capital n gains which are subjected to deductions of mgt fees, insurance blah blah....not to mention inflation as well as economic conditions. Most imptly of all is the OPPORTUNITY COST. U might wonder why is this opp cost important. Just say that u really need the $$ but dun have it, cos all locked up in the endowment.. That is why this type of 'savings endowment' CAN NEVER substitute having real cash in the bank. There was this oppt where I couldnt invest in more shares cos a chunk of my $$ in this policy, so in the end, made lesser profit, though it was only once off event. (happened long time back already.....)

Lastly, it SUCKS big time, whenever they send u letter for payment. Which is bloody painful. Cos I see my bank ac shrink. But besides that. I dun expect to see that sum of money, in my case $30K, until I am like 43 yrs old. Lets think for a while. Do I need that sum now or in the future? For the future. would be what most think, but I like to ask u a qn. Will u have that sum already in the future from working n ur own savings. It is very likely. So 30K then may just be a small sum, compared to what $100 per mth or $1200 is to me every year.

So in conclusion, mine still have 22yrs to go. That is very long. By then I believe I would already have more than the endowed amt. Fortunately for my case, the sum offered is not in the ten thousands, and I can meet their yearly premiums n it is not too heavy a burden. And I wont have to worry if I die bf the policy matured, cos the sum is not huge. I wont have to really defer all my expenditure for 25 yrs so that I can 'consume' them in the future. But still it is a constant IRRITATION for me to put aside $$ specially for it, on top of my personal savings, loans etc. So nowadays if anyone tries to sell me a policy, be it insurance or whatever, that person will get it from me...esp if it is unsolicited.