CathCath’s blog

Yesterday night I worked until this morning. I reached home at 4a.m.

I think this should be quite scary for some people.

What to do? We have tight reporting deadline.

 

Today I wake up at 10:30a.m. I am in the office right now.

 

Life oh, life~

I am not born to be scolded.

Recourse Agreement: An agreement in an instalment plan whereby the retailer repossesses the goods being purchased in the event of the purchaser failing to make regular payments.

Recourse means an institution's retention, in form or in substance, of any credit risk directly or indirectly associated with an asset it has sold (in accordance with GAAP) that exceeds a pro rata share of the institution's claim on the asset. If an institution has no claim on an asset it has sold, then the retention of any credit risk is recourse.

A recourse obligation typically arises when an institution transfers assets in a sale and retains an explicit obligation to repurchase assets or to absorb losses due to a default on the payment of principal or interest or any other deficiency in the performance of the underlying obligor or some other party. Recourse may also exist implicitly if an institution provides credit enhancement beyond any contractual obligation to support assets it has sold. Recourse obligations include, but are not limited to:

(1) Credit-enhancing representations and warranties made on transferred assets;
(2) Loan-servicing assets retained pursuant to an agreement under which the institution will be responsible for losses associated with the loans serviced. Servicer cash advances as defined in this section are not recourse obligations;
(3) Retained subordinated interests that absorb more than their pro rata share of losses from the underlying assets;
(4) Assets sold under an agreement to repurchase, if the assets are not already included on the balance sheet;
(5) Loan strips sold without contractual recourse where the maturity of the transferred portion of the loan is shorter than the maturity of the commitment under which the loan is drawn;
(6) Credit derivatives issued that absorb more than the institution's pro rata share of losses from the transferred assets; and
(7) Clean-up call on assets the institution has sold. However, clean-up calls that are 10 percent or less of the original pool balance and that are exercisable at the option of the institution are not recourse arrangements.

 

^o^ (haha..)

Today I sit beside 'her' and sometimes should be 'him'.

I talk alot to him/her.

He/she looks so sleepy, then I tell him/her some jokes.

Can't see any happy face but an angry "staring" face from him/her.

Gosh! My jokes don't work at all.

He/she warns me not to "say something rubbish" anymore.

But how? I just can't stop it!

After that, he/she warns me to stay far away from him/her.

Why? (Shaking head)

 

He/she said he/she like guys.

I agree. I guess.

Everyone says so.

Everyone calls him/her 'BonBon'.

But I like to call him "Teck Teck", cute mah~ ^o^

 

Starting...

Receives mail from Kim Teck

~ Cath, can you help me to do something?~

Replies

~Sure. You say, "Cath, you are pretty 1st...~

/(O.o)\ (Kim Teck wanna cry...)

 

10 minutes later

"Cath, I hate you! I hate you!"

"Kim Teck, do you know that, when you hate a person, is actually you like the person indeed."

/(O.o)\ (Kim Teck faint...)  --> He/she feels hard to talk to me.

 

5 minutes later

"Cath, how? How to work? I don't want! I don't want!" (blah... blah... blah...) 

"Teck, you look so sleepy. You 'guai' har~ Come, Jie Jie (sister) gives you a kiss."

/(O.o)\ (Kim Teck feels wanna die...)

 

7 minutes later 

"Teck Teck...Teck Teck..., I pretty or not?"

 

(Cath, can you stop it?)

" Yesterday is history, tomorrow is mystery, and today is a gift. That's why they call it the present. "

~ Master Oogway [Kungfu Panda]~

[ Auditor is a professional, not a God. ]

 

[ Auditor is also a human being, not a God. ]

One day, Jay "requested" me to act softly as a normal girl. He claimed that my attitude had over "tough" like a boy. When he was trying to discuss certain issues with me, I can always reject his opinion and insist mine is the correct one. He said that he felt helpless. He said, "Can you just be like a normal girl, just nod your head whenever I talk? Can you don't offense me? Why do you always want to win?" 

Start asking myself, "Am I?"

In fact, he begs me "to be" more "girlish", a bit.

Ya. abit. 

Hamster, Heng, Thai and some friends never see me as a girl. When I shout, "Hey, I am a girl!"

They will normally reply something like this, "Walau eh! You are not loh! Okay.."

Start suspecting... whether or not I am a girl.

I ask my mum, "Mum, why is your daughter acting like a boy? Is it because you 'hope to have' a son when you have me (when you pregnant)?"

She laughes.

Spinning at the moment.

Suddenly, there is an echo coming up to me, "You are a girl. You are a girl. You are a girl. Girl...girl...girl..."

 

(Shaking head)

Sometimes I feel that, it's somehow hard to buildup a new relationships or even the maintenance of current relationships. The interactions between human beings can be largely diversified.

When you look different from others, you will be noticed.

When your thinking is not parallel with a group of "normal" people, it's possible that you will be abandoned as people will see you as a "weirdo".

Somehow, it's tired to handle those relationships.

But it's happy when you manage it well.

This is a very good article. Those who are still single may learn something from here...
Those who are already married may take it as a guideline to improve your marriage & relationship ...

DID I MARRY THE RIGHT PERSON?

During one of our seminars, a woman asked a common question. She said, 'How do I know if I married the right person?'  
I noticed that there was a large man sitting next to her so I said, 'It depends. Is that your husband?'
In all seriousness, she answered 'How do you know?'

Let me answer this question because the chances are good that it's weighing on your mind.

Here's the answer.
EVERY relationship has a cycle. In the beginning, you fell in love with your spouse/partner. You anticipated their call, wanted their touch, and liked their  
idiosyncrasies (unconventional behavior/habit).

Falling in love with your spouse wasn't hard. In fact, it was a completely natural and spontaneous experience. You didn't have to  
DO anything. That's why it's called 'falling' in love... Because it's happening TO YOU.

People in love sometimes say, 'I was swept off my feet.' Think about the imagery of that __expression.
It implies that you were just standing there; doing nothing, and then something came along and happened
TO YOU.

Falling in love is easy. It's a passive and spontaneous experience. But after a few years of marriage, the euphoria (excitement) of love fades. It's the natural cycle of EVERY relationship. Slowly but surely, phone calls become a bother (if they come at all), touch is not always welcome (when it happens), and your spouse's  
idiosyncrasies, instead of being cute, drive you nuts.

The symptoms of this stage vary with every relationship, but if you think about your marriage, you will
notice a dramatic difference between the initial stage when you were in love and a much duller or even angry subsequent stage.  

At this point, you and/or your spouse might start asking, 'Did I marry the right person?' And as you and your spouse reflect on the  
euphoria of the love you once had, you may begin to desire that experience with someone else. This is when marriages breakdown. People blame their spouse for their unhappiness and look outside their marriage for fulfillment.

Extramarital fulfillment comes in all shapes and sizes. Infidelity is the most obvious. But sometimes people turn to work,  
a hobby, a friendship, excessive TV, or abusive substances.

But the answer to this dilemma does NOT lie outside your marriage. It lies within it. I'm not saying that you couldn't fall in love with someone else.  
You could.

And TEMPORARILY you'd feel better. But you'd be in the same situation a few years later. Because (listen carefully to this):

THE KEY TO SUCCEEDING IN MARRIAGE IS NOT FINDING THE RIGHT PERSON; IT'S LEARNING TO LOVE THE PERSON YOU FOUND.  

SUSTAINING love is not a passive or spontaneous experience. It'll NEVER just happen to you. You can't 'find' LASTING love. You have to 'make' it day in and day out. That's why we have the __expression 'the labor of love.'
Because it takes time, effort, and energy. And most importantly, it takes WISDOM. You have to know WHAT TO DO to make your marriage work.

Make no mistake about it. Love is NOT a mystery. There are specific things you can do (with or without your spouse) to succeed with your marriage.

Just as there are physical laws of the universe (such as gravity), there are also laws for relationships.
Just as the right diet and exercise program makes you physically stronger, certain habits in your relationship
WILL make your marriage stronger. It's a direct cause and effect. If you know and apply the laws, the results are predictable... you can 'make'  
love.

Love in marriage is indeed a 'decision'... Not just a feeling.

Remember this always:

'God determines who walks into your life. It is up to you to decide who you let walk away, who you let stay, and who you refuse to let go.'