Standard Chartered Bank Has No Standard

For the past few month, I have been trying to apply for few mortgage products. All banks will be able to give me their quotation or offer letter in about 2 weeks time while some are just in the matters of 3 to 4 days. The worst application was to Standard Chartered Bank. I waited and waited and waited for more than 1 month and they gave me the quotation for the wrong product. Then claim that they do not have enough information and keep calling me and my property agents for few times a time. I was so pissed off and say, please don't process my application and they call and beg and beg me. Eventually the offer that I got, I was loaded on the offering rate.

Look at the advertisement! KLIBOR + 1% my ass! Even the agent agree and promise in principle that the rate is KLIBOR + 1%... and after all those hassle and delays... they offer me KLIBOR + 1.6%. Immediately without hesitate I say NO to the offer.

Few days after that their mortgage samseng call me. Complaning that after all the "hassle" (this is the exact word used by the officer) I don't want to take the product. I told her that the hassle was given to me! not to you! I waited for so long and your offer is sooo soo sooo late and the rate sucks.

Everyone, please don't waste your time to apply this product. Say NO to them. Thanks.

Domino Pizza Delivery Is Super Chio!

Today is the day before exam.... its all doomy and gloomy day. My housemates are all out leaving me alone at home... and my stomach was roaring! I remember reading some good comments about domino pizza delivery .. thus I just give it a try...

I have never done pure online ordering... I don't even need a phone to do this ordering... just internet... The website is quite interactive... but a bit kiddo type... anyway generally i still give 5 stars scoring for their website.

After I placed my order, its written there... business starts at 11am and first delivery to arrive at 1130am.... but wait! my time is only 1050am.....shit! wondering if there anyone processing my order... anyway i just patiently wait....

wait...wait...wait.... until almost forgotten and "beep beep" my time is 1130am liao. Where the $%^& is my pizza! When i pick up my handphone and want to call them , suddenly "PIZZA ORDER!"...."PIZZA ORDER!"...."PIZZA ORDER!".... I was stunt, i looked at the time again exactly 1130am... i thought i'm too hungry and dreaming that the pizza boy is here.... after 3rd time calling, i ran out and really see the pizza boy there... with the big smile on my face, i said "hey you are VERY punctual!". He just smiled back.

Things that suppose to be hot are still hot and things that suppose to be cold are still cold! Damn.... while eating and writing this.... i really again impressed with them...

Hey NOVA, you have nothing else to write? Why write about pizza in your banking hall blog? Ok ok ok.... there are some financial thing that we can talk about them....

First of all Domino pizza is FREE DELIVERY! No hidden cost etc... Not like others with minimum order or RM3 etc for delivery. Look! Petrol price is up... driving there and come back would have cost me a few buck for the sky rocketing petrol... also save a lot of hassle for car park, getting a table and travelling time...

Secondly, now only i realise! Their menu price is net of all *&^%$#$ charges. I ordered the value meal 2 which is RM34.80... no more no less... I really hate it when PIZZA HUT charges those 10% service fees and 5% government fees. To be frank, i think PIZZA HUT's service sucks to the max. There is NO service at all... why charge service fees? Salad and soup have to take myself. Ask for fork/spoon their face turn black... damn.. For me, the service charge of 10% is a daylight robbing. Domino pizza is very clear about their pricing policy... just the net price shown, no hidden charge.

Congratulation to Domino pizza, i'll definately order again!!!! Yummy!!!!

Email to Perak Mentri Besar Datuk Seri Mohammad Nizar Jamaluddin

Datuk,

On the election day i traveled all the way from KL to Ipoh just to vote for Parti Pakatan. I never even bother to claim the "travel allowance" given by MCA despite MCA office is just a stone throw away from my office. What we want is a change in the government.

I don't know what to ask about what you have done because I haven't seen anything done as yet. Everyday every politicians are just busy blaming and condemning each other. There is none constructive development project announced but a lot of announcement of what projects to be scraped or postponed. The rest of the time they are busy arguing how many seats they get in the dewan etc. Stop worrying and start living!

I hope pakatan rakyat can issue a KPI (key performance index) for the party as a whole to show what they wish to do and how much they have done. This KPI has to be announced and updated to everyone at least half yearly basis.

I have been staying in Ipoh for more than 20 years before I further my studies in Kedah and now working in KL. What i see is extremely little development in the town. Good job opportunity are relatively less and the younger generations are migrating out of the town to metropolitans. There should be more incentive for corporates to setup their business or operating plan at Ipoh. Example are duty free are or operation hub. KL is the government and business hub. Penang is a technology hub. Ever consider Ipoh as a education hub? Provide incentives for colleges and university to setup their HQ in Ipoh and imagine how great is the impact to Perak when all the brains come from Ipoh. Ipoh shall have the natural advantage to be the higher education hub considering its location in the centre of peninsular Malaysia where students from all over Peninsular Malaysia can easily travel to further their studies in Ipoh.

Thank you and good luck to you. I hope I'll be able to see you again in the next election.

Best Regards,
Nova Lui
Website: www.novabankinghall.com

http://thestar.com.my/news/story.asp?file=/2008/6/4/nation/20080604100224&sec=nation