THE FINE PRINTS

on Citibank Step-up Interest Account.

I was there to sign up for credit cards and I was introduced abt this savings account. heh since the happening saga over all the investment banks, I think it really make ppl more cautious... and it occurs to me too.

I've signed up the account but after reading the brochure and ALL THE FINE PRINTS... I can tell you a clearer picture abt this.

Generally, the selling point is, your interest steps up from 0.3% to 1.2% after 1 year, with a 0.075% every month. Condition is, every month the minimal balance has to be more than the previous month. If not there will be no increase in interest rate.

Preferably, credit your monthly salary into this account but if you don't want, just put in the minimal of $5oo every month, as I was told (seems like a good deal i think). However, with just 500 every month, you cannot maintain this account without additional charges.

Because, if you only put in 500, you'll enjoy free monthly service fee ($10) for 3 months only. After which, if your bank balance is less than 2000, you gotta pay $10 every month.
By simple math, 500 x 3 = 1500
SO.... how?

Another point, if your minimal balance falls below whatever you have last month, your interest rate will be reset. Reset to which level depends on the amount of money in your account. Example, if this occurs at the 10th month, with your interest rate at 1.05%, your interest rate will be reset to the 9th month interest rate, which is 0.975%, PROVIDED that you have at least 10,000 in the account. But 500 x 9 = 4500
SO... once again, the minimum 500 is not enuff for you to enjoy the attractive interest rates.

Lastly, I realised it is not so easy to enjoy that 1.2% interest after 1 year of stepping-up. Because you need to have a minimum of $20,000 after 1 year to get 1.2% interest. So by simple math, 500 x 12 = 6000
hmmm it looks kinda far from $20,000 rite?

oh well, the impression I get from the sales agent make it very attractive but now I dont think so. I'm going to cancel it.

Read the fine prints next time!

back to passsion.

hooohooo

i feel so so so so rested after the 3 days of EAT SLEEP MOVIE. heh *happy*

but my weekends killed me. it zapped all the recharged energy away!!

but I feel goooood :)

heh db-ing still has this charm ya... or more accurately, is the db gers who has the charm! :D

sat morn was lilies trng... den i head down to bedok for alumni mixed trng and I TELL YOU THE WARM-UP WAS CRASY. ah hee made us row 2 FAT km. hurhur. but i actually feel good. i think its fun... haha it has been a loooooong time since I last felt the kick like this! -sweet-

After a year of coxing and resting that shoulder i'm finally back to rowing!! -yeah-

ok since I started in jul this year, it was quite crappy..... hur

but till now its getting better! :):) heh at least I made some improvement lah.

I think its not perfectly good yet but for now my shoulder dont hurt when I row..

so I'm very happy about it.-whee-

realisation still occurs to me... its actually kinda the same thing as 4 years ago.. thats dont let my mind jump out of me... jus focus on NOW.

and i actually missed 3 weeks of tennis lessons becos I dun wanna tire myself out and to rest enuff for the weekends!

but i'm definitely going back to lesson next TUE!

race this weekend. hur and the laorens are the only ones representing NTU.

like what jq says, the namelist looks impressive lah, but wat will happen.... we dunno yet! haha

ok lah, at least we look good on paper!

nic~ gotta watch over us for the race okie :)

THIS WEEKEND, WE'LL ROCK REGA TTA.

hee.

i'm on leave!!!!!

weet~ i'm on leave but 3 days only... but its kinda better than nothing.. it feels so gooood to NOT DO ANYTHING! yups, i miss my laid back life..

i sort of figured out why i fell ill every end of the month since i start working... becos i used up my energy by the end of the month and my body immune system just broke... hur so i think i NEED to have at least one SLEEEP LATE day in a week. I still quite cannot get over the fact that i have to wake up as early on sat as the other weekdays... (RARRRRRR) but after rega tta it sld be better... I need my SLEEEP!

and ben says i've LINES on my face!! and mum tells me i'm aging!!
faints..
and so I went to get myself some facial wash, mask, eye cream and moisturizer! hur


Active charcoal mask to clear pores


Make crow's feet fly!


Skin rejuvenating treatment.

haa, i like origins.. cos they are parabens free!

okie, i hope i dont age so fast!!!! ladies gotta take care of that face yea!

OBAMA!!!!!!

winssss. i'm looking forward to the change.

CHEERS to obama

If you wait to do everything until you're sure it's right, you'll probably never do much of anything. - Win Borden