something I don't really need... yet...

a portion of my credit card points is about to expire soon, so I used them up in exchange for a Pierre Cardin pen set...

this pen set come included with a leather pen pouch... nice huh??

one is a roller pen, one is a ball pen... heh... =)

credit card annual fees

do you know that you do not have to pay for those credit card annual fees even after the initial first year or 2 years waiver??

I have been doing that for a few of my credit cards already, namely my HSBC credit cards, Citibank and most recently my Standard Chartered Mastercards. Rather than jotting down the dates to cancel the credit cards before the bank starts charging you the annual fees, just let them. When you see the charges appearing in your statement, call them up and request for them to waive it. They will normally approve of that, and will do a reversal of the charge, so you do not need to pay for the fees.