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Licensed Money Lender is worst than AH LONG

let me try to share my friend’s story when he tried to borrow from licensed money lender….

My friend was unable to get a loan banks, and after seeing the attractive ads on papers, he tried to borrow from 2 licensed lender. He is drawing a monthly salary of about 3k, normal working man. Unable to get anymore loan from banks because he has bad debts before, but not a bankrupt.

This is what he told me… after he approach the licensed lender. I was shocked when I hear the offer and interest rates !!!

Licensed Money Lender #1 – offer him $1500 loan, weekly repayment scheme.
after all the interest and “admin fee” , he only able to take back $1080 on the spot, as he is has been approved.
but the repayment is shocking !!!

he has to pay 3X6 weekly of $300 !!!
any late payment, there will be $130 penalty !!

meaning, he take $1080, and got to return $1800 in 6 weeks !! Unbelieveable !!

Licensed Money Lender #2 offer him $2000 loan, monthly repayment scheme
after all the interest and “admin fee” , he only able to take back $1420 on the spot, as he is has been approved.
but one month later, he has to pay $2400, otherwise, he has to pay a monthly interest of $400 + late payment if $130 (meaning total $530). And next month, he still has to pay $2400 in order to clear the debts !!

Anyone has any experience with licensed Money Lender Singapore ?
Isnt it worst than Ah Long ??

And guess what when he was trying to negotiate for a lower interest rate. The Manager actually ask him…
“Do you buy 4D ?
“Do you buy 4D from govt or from Pte ?”
“Buying from govt is more expensive than buying from private? right ??”

What the manager is trying to say is… licensed Money Lender is more expensive than unlicensed AH LONG, because the govt tax them alot !!

Unbelievable !! I could not believe it !! Fortunately, my friend did not take up the loans….

That is why i share with you guys here…. any comments ??

Treat You Child A Way Better Than Before

We want our kids to study from their mistakes rather than repeat them. Therefore the natural thought is to send these to the “periods” area or up with their room to “consider what they’ve done.” Except they don’t really. And they’re more likely to continue the same habits despite the consequence. So, how will you learn how to discipline your son or daughter?
Often, we equate the word “discipline” with abuse. But the term “discipline” originates from the Latin expression “disciplina,” this means “teaching, learning.” That is the key to fixing our kids’ conducts – providing them with the tools they have to learn an improved behavior. I really like the parenting blog that already tought me many things. Whenever we discipline in ways meant and then punish and also have the kid “pay” for his or her mistake, it generally does not help our child understand how to help make the right choice the next time. No one loves being bought around – abuse can result in power problems, and because our children know this poor action gets them attention, they’ll keep carrying it out.
With regards to focusing on how to discipline your son or daughter, we can give attention to three key areas: providing them with the positive attention they want and desire, taking time for training, and setting up limits and sticking with them. Check Pakistani call girls in Dubai for fun.