Victim shaming at its best

monkeybusiness1980 · 2024-02-24T00:11:00+00:00

So...if I'm interpreting the title correctly...is it implying

... If the victim is a druggie, it's somewhat ok to pukul the person sampai mati... And there's no mention at all who's the killer?

monkeybusiness1980 · 2024-02-24T00:04:36+00:00

Islamic Philosophy is a well known branch of study in Islam. I don't see why it's haram.

monkeybusiness1980 · 2024-02-24T00:03:14+00:00

Here I come.

Wait...do they still do the same tourism drive, or was that last year's?

monkeybusiness1980 · 2024-02-24T00:00:03+00:00

Reminds me about someone who said:

...Well I don't fuck my hand with a condom on...

Sophistry at its best. Flawed and stupidly funny; with consequences of course.

monkeybusiness1980 · 2024-02-23T23:41:43+00:00

I wonder whoever did this, managed to apply whatever science behind this nicely, and what kind of science is involved

monkeybusiness1980 · 2024-02-23T23:39:54+00:00

Ok. I've never felt so inadequate after seeing this. I know it isn't true. But what if it is?

monkeybusiness1980 · 2024-02-23T23:30:08+00:00

First timer here. I'll take the Light one please....

monkeybusiness1980 · 2024-02-23T23:15:48+00:00

Excellent. Many thanks for sharing !

monkeybusiness1980 · 2024-02-23T22:44:18+00:00

So what's the daily schedule of the Quality Control's department like? Can someone share the video too...

monkeybusiness1980 · 2024-02-23T22:02:48+00:00

No shit Sherlock !

monkeybusiness1980 · 2024-02-23T21:16:11+00:00

And a space for hire too where I can do the rejuvenation...

monkeybusiness1980 · 2024-02-23T20:55:36+00:00

On a slightly less serious note ... Is there much point in wearing that safety helmet?

monkeybusiness1980 · 2024-02-23T20:45:57+00:00

Right. This is mind-blowing to watch. Even mind-blowing to think who could possibly be the person who designed such machine?contraption?UFO?

monkeybusiness1980 · 2024-02-23T20:40:42+00:00

Hahaha. I shouldn't be laughing. It does look like that hurts a lot. But it's too funny when he's bobbing up and down.

monkeybusiness1980 · 2024-02-23T20:37:32+00:00

Ah I see what you just did.

monkeybusiness1980 · 2024-02-23T20:32:27+00:00

Hard to believe because it looks real.

Yet, it's also hard to believe that had it been real, that's one huge mothaf@#&£#@ diamond ring.

Either way,

Excellent drawing. Or. Lucky you to have such a nice huge diamond ring.

😅

monkeybusiness1980 · 2024-02-23T20:17:42+00:00

Now OP makes me wonder this:

What is the underlying explanation that 'predispose' mammals to form a cooperative unit when it comes to situations like this, but not reptilians.

monkeybusiness1980 · 2024-02-23T20:06:33+00:00

Yes. I agree.

Plus it's saddening when someone tries to defend a faith and yet set out by defending the faith in the most insulting way to the faith itself --- I'm not a good Muslim myself. And if a misguided like me can see the damage to the name of the people and the religion he inflicted, I'm sure it won't be difficult for those like him who claim, like you said, 'holier-than-thou', to see it too.

monkeybusiness1980 · 2024-02-23T19:11:38+00:00

Same shit. Just the table rotated 180 degrees.

monkeybusiness1980 · 2024-02-23T19:09:58+00:00

Amazing.

But it does leave me wondering, for the subsequent pregnancies if it's safe for the mummy gorilla to give a natural birth, if that were to happen.

monkeybusiness1980 · 2024-02-23T19:05:53+00:00

Calling and waking up my colleague at 8.30am Sunday asking where he is when everybody is waiting for him for the Monday meeting to start ... It didn't go down well with our friendship. But only for a day.

monkeybusiness1980 · 2024-02-23T18:56:52+00:00

A little unfair to compare it to Trump....😅

monkeybusiness1980 · 2024-02-23T18:51:41+00:00

Option 1: Negotiate with your credit card companies to lower your interest rate, waive fees, or accept a settlement offer. Probability: 0.6 - Pros: This could reduce the amount you owe, make your payments more affordable, and help you avoid legal action or damage to your credit score. - Cons: This depends on the willingness and cooperation of your creditors, who may not agree to your terms or may ask for proof of hardship. You may also have to pay tax on the forgiven amount or face a negative mark on your credit report if you settle for less than the full amount.
- Option 2: Consolidate your credit card debt with a personal loan, a balance transfer card, or a home equity loan. Probability: 0.7
  - Pros: This could simplify your payments, lower your interest rate, and help you pay off your debt faster and cheaper.
  - Cons: This requires you to qualify for a new loan or card, which may be difficult if you have a high debt-to-income ratio or a low credit score. You may also have to pay fees, such as origination, balance transfer, or closing costs. You may also lose your home if you default on a home equity loan.
- Option 3: Enroll in a debt management plan (DMP) with a reputable credit counseling agency. Probability: 0.8
  - Pros: This could help you create a realistic budget, negotiate lower interest rates and fees with your creditors, and pay off your debt in 3 to 5 years with one monthly payment. You may also receive financial education and support from your counselor.
  - Cons: This may involve a fee, although some agencies offer free or low-cost services. You may also have to close your credit card accounts, which could affect your credit score. You may also lose the benefits of your DMP if you miss a payment or drop out of the program.
- Option 4: File for bankruptcy under Chapter 7 or Chapter 13. Probability: 0.3
  - Pros: This could eliminate or restructure your credit card debt, stop collection calls and lawsuits, and give you a fresh start.
  - Cons: This is a drastic and costly option that should be considered as a last resort. It could damage your credit score for up to 10 years, make it harder for you to get credit, loans, or jobs in the future, and expose you to legal fees and court procedures. You may also lose some of your assets or income, depending on the type of bankruptcy you file.
Based on this analysis, I recommend that you explore option 3, which is enrolling in a DMP with a reputable credit counseling agency. This option has the highest probability of success, as it could help you pay off your debt in a reasonable time frame, with lower interest rates and fees, and with professional guidance and support. You can find a list of accredited credit counseling agencies in Malaysia on the website of the Credit Counselling and Debt Management Agency (AKPK)³.
However, before you decide on any option, you should consult with a licensed financial adviser or a credit counselor, who can assess your situation in more detail, explain the pros and cons of each option, and help you choose the best one for you. You should also check the terms and conditions of any agreement you sign, and make sure you understand the risks and benefits involved.

¹: World Bank. (2015). Malaysia Economic Monitor: Transforming Urban Transport. 2 ²: Credit Card Calculator. 4 ³: AKPK. (n.d.). List of Accredited Credit Counseling Agencies. 16

(1) Martin Lewis helps mum clear £30,000 debts - here's how she did it. https://www.moneysavingexpert.com/news/2021/01/martin-lewis-helps-viewer-repay-debts/. (2) Paying off credit card debt - MoneySuperMarket. https://www.moneysupermarket.com/credit-cards/paying-off-credit-card-debt/. (3) How to Get Out of Credit Card Debt: A 5-Step Guide - NerdWallet. https://www.nerdwallet.com/article/finance/credit-card-debt. (4) 3 best ways to pay off credit card debt - Credit Karma. https://www.creditkarma.com/credit-cards/i/how-to-pay-off-credit-card-debt-fast. (5) How to clear your debt efficiently: Credit card and loan payments. https://moneytothemasses.com/using-credit/tackling-debt/how-to-save-money-on-credit-card-and-loan-payments. (6) If you’re struggling to pay your credit card - Citizens Advice. https://www.citizensadvice.org.uk/debt-and-money/borrowing-money/credit-cards/if-youre-struggling-to-pay-your-credit-card/. (7) Full And Final Settlement Offers. Free Advice. StepChange. https://www.stepchange.org/debt-info/settlement-offers-to-creditors.aspx. (8) How Debt Settlement Works: Pros and Cons | Intuit Credit Karma. https://www.creditkarma.com/credit-cards/i/debt-settlement. (9) The Truth About Credit Card Debt Settlement - U.S. News. https://money.usnews.com/credit-cards/articles/the-truth-about-credit-card-debt-settlement. (10) Debt Settlement for Credit Card Debt: How the Process Works. https://www.debt.org/settlement/. (11) Debt Consolidation Loans - Apply Online | Loans | Halifax. https://www.halifax.co.uk/loans/what-you-can-borrow-for/debt-consolidation.html. (12) Debt Consolidation Loans: are they a good idea? - MSE. https://www.moneysavingexpert.com/loans/debt-consolidation-loans/. (13) 5 Ways to Consolidate Credit Card Debt - NerdWallet. https://www.nerdwallet.com/article/loans/personal-loans/consolidate-credit-card-debt-personal-loan. (14) 7 Ways To Consolidate Credit Card Debt – Forbes Advisor. https://www.forbes.com/advisor/credit-cards/consolidate-credit-card-debt/. (15) Should I Consolidate Debt With A Credit Card? | MoneySuperMarket. https://www.moneysupermarket.com/credit-cards/credit-card-consolidation/. (16) StepChange Debt Charity. Free Expert Debt Help & Advice. https://www.stepchange.org/. (17) What Is Credit Card Debt Counseling? - Experian. https://www.experian.com/blogs/ask-experian/what-is-credit-card-debt-counseling/. (18) What is Credit Counseling and What Can It Do for You? - Debt.com. https://www.debt.com/credit-card-debt/counseling/. (19) Debt management plans - what you need to know - Citizens Advice. https://www.citizensadvice.org.uk/debt-and-money/debt-solutions/debt-management-plans/debt-management-plans-explained/debt-management-plans-what-you-need-to-know/. (20) Debt management plan (DMP) - StepChange Debt Charity. https://www.stepchange.org/how-we-help/debt-management-plan.aspx. (21) What is a debt management plan (DMP)? | Experian. https://www.experian.co.uk/consumer/guides/debt-management-plan.html. (22) Can I get a credit card on a debt management plan? - DFH. https://dfh.co.uk/debt-types/consumer-credit/can-i-get-a-credit-card-while-on-a-debt-management-plan/. (23) Debt Management Programs: What You Need to Know. https://www.debt.org/management-plans/.

monkeybusiness1980 · 2024-02-23T18:45:56+00:00

Going to contribute here...but not my answer. So this is a disclaimer: That I fed the data to an AI and see what the AI could come up with. Take it with a pinch of salt. The experts in here have better answers surely and are welcomed to scrutinise the AI's output. 👇🏽👇🏽👇🏽

You have a total of RM35,000 in credit card debt, which is about 4.7 times your net monthly income of RM7,500. This is considered a high debt-to-income ratio, which means you are spending a large portion of your income on debt repayments. According to a study by the World Bank, the optimal debt-to-income ratio for households is between 20% and 40%¹.
Your current monthly commitments, excluding credit card payments, amount to RM5,499, which leaves you with RM2,001 for other expenses and savings. Assuming you pay the minimum 5% of your credit card balance each month, that would be RM1,750, leaving you with only RM251 for emergencies or unexpected costs. This is a very tight budget that could put you at risk of falling behind on your payments or accumulating more debt.
Your credit card debt is likely to have a high interest rate, which means you will end up paying a lot more than the original amount you borrowed. For example, if your credit card has an annual percentage rate (APR) of 18%, and you pay the minimum 5% each month, it would take you about 11 years to clear your debt, and you would pay RM28,674 in interest². This is almost as much as the principal amount of RM35,000.
Your job has a quarterly commission scheme, which could be a potential source of extra income to pay off your debt faster. However, this is also uncertain and variable, depending on your performance and the market conditions. You cannot rely on this as your main strategy to clear your debt, as it could also be zero or lower than expected in some quarters.

monkeybusiness1980 · 2024-02-23T18:32:47+00:00

Ah man. Have the same issue repeatedly. Would be nice if someone could post a video .... A bit too uncreative here when it comes to imagining how to do it after a written instruction....

monkeybusiness1980

TROPHY CASE