Personal Debt Management

Monthly payment of debt must be no more than 20% of monthly disposable income.

A longer term is measured by total outstanding consumer debt around or less than one third of annual disposable income. It is also known as debt : income ratio.

eg. of consumer debts are hire purchase, mortgage, personal loan and even credit card, just to name the typical ones.

No & Negotiate

A firm 'no' keeps the ulcers away and the hostilities too.

Company Growth

Organic
Expansion through its own business activity. It is also known as internal growth.

Inorganic
Company grows via merger, acquisition or takeover. Can be called as external growth.

Tech Gizmo

Fufufu I just discovered that now computer mouse comes in different designs. I am lagging behind the ever improving technology. The designs were to be convenient for users in a way that they tried to hide away the wire.

So I came across three types of designs that are:
1 - wire mouse
This is the most common one when we first use as it has the chubby wire.



2 - Retractable mouse

Pull and let go.
3 - Uni-retractable mouse
Easy to retrace back the cable.
The USB port is not hidden.

This is even better. Both the wire and the port could be concealed inside the mouse itself.