My mom and dad, plus seven others and I went to Singapore, Batam Island and Johor Bahru last September 7-10, 2007. There just some of the travel pictures.
I must mention this blog post I read a few weeks back at the Money Smarts blog at Inquirer.net
It gives you an idea how the credit card interest rate clause of “3.5 per cent per month on the average daily balance” works.
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