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i have more time to utilize all the birthday treats or discounts from shops this year i have even less days to redeem or use the benefits as chinese new year is in february already i usually can never have discounts on meals on my actual birthday as it is valentine s day with cny that means there are more days where the discount is not applicable too bummer still i do adore getting all the vouchers and discounts given to the vip card members or just by being a loyal customer posted by carolyn at 10 02 pm no comments sunday january 25 2015 victoria sponge cake i finally made the victoria sponge cake it is something i have always wanted to try but just did not get round to it i saw the cake mix from marks spencer and decided to go for it it is a simple recipe and if you have a regular basic sponge recipe it is do able somehow mine did not turn out as in the picture and i decided to pair with mango raspberry cider instead of tea i thoroughly recommend this brand rekorderlig it does not have a strong alcoholic content and is a bit sweet and bubbly the mix does not indicate the size of the cake pan and i use 2 x square cake pans obviously too big as my batter was too little to split between two pans equally so one turned out crispy brown and the other was fine yellow but the height was not as tall as in the pictures so i decided to do two version the yellow sponge was airier and i used the jam provided plus a bit of my own christmas jam i also followed the instruction using the icing sugar included and whisked with butter it turned out too sweet and grainy i topped it with my own whipped cream which i made with whipping cream 400ml and just 2 tablespoons of castor sugar for the brown sponge i used crabtree evelyn mulled jam and the whipped cream this was still sweet but not overly sweet like the other version i think i will want to make my own version without the cake mix in future still a nice cake for tea posted by carolyn at 6 46 pm no comments labels desserts home cooked recipe tuesday january 13 2015 pink wallet for 2015 a friend sent me an article about your wallet and fengshui after reading it i was thinking maybe i should try it i am on the fence about fengshui i don t believe in it nor do i think it is all hocus pocus i do find it interesting but i have never actively done something about it i think my thoughts about fengshui will be more from the traditional metaphysics side of it and not from the school where one needs to buy things to avoid bad luck or to get good luck anyway back to the wallet i had noticed that i spent more when i was using my red wallet so after 6 months or a year i decided to change wallet to see if i will spend less i did for most of my life school time and at least 7 8 years of working life i used a brown or black wallet a wallet is so personal that when you are used to one and it serves its function it is hard to change wallet or keep changing it like you do a bag i hate switching bags too i started using a colored wallet several years ago when i bought a light blue agnes b wallet i loved that color i noticed that was the start of my slippery slope into buying designer bags too from that light blue wallet i changed to a red wallet i like red and the common thinking is that red means prosperity what i saw was my spending just skyrocketed and the scary part was thinking a few thousand dollars was no big deal it was not like i was earning big bucks 5 digit monthly salary i decided i better switched to something of a darker shade i bought a navy wallet but i did not feel any affinity to it and very quickly found my hg wallet anthracite dark grey coal color with magenta purple interior i did not see anything adverse happening with using it i spend but within limit and reason but i don t see myself saving that much the time when i can save a lot or have more money in the bank was when i was using the brown and black wallets some will say it is a coincidence and that i have less to spend when younger and i had a higher income and so spent more when using the red wallet while it is true my income is higher when using the red wallet it is not necessary for me to spend more than necessary so there is a bit of truth in wallet color to me and so i decided to get a black wallet my old black wallet was gone as it was spoilt which was why i got the light blue wallet then i really did love that wallet after telling a friend i was told i should get the pink wallet first reason being i have more earning power years than maybe relationship years p well it is not that true but yeah no harm trying so yes i went and bought myself an early birthday present and something for the new year the lighting is not that great but it is a pale pink called pout pink from kate spade let s see if it will really increase love and relationship luck as the interior has black and white stripes my friend said it is a pink and black wallet so killing two birds with one stone maybe i will increase wealth a bit too for those interested http fengshuibeginner com learn wallet feng shui tips to attract wealth posted by carolyn at 9 33 pm no comments labels life shopping monday january 05 2015 citibank what has happened to you so i have been a long time customer of citibank in singapore since 2001 or thereabouts i usually have no problem with them or your customer service be it at the branch or over the hotline the cs could always solve my problems and in double quick time so yes i was past tense a fan no longer a fan due to its consecutive failures to satisfy basic customer needs since november 2014 to now i am facing problems after problems with citibank business practices though technically the issue probably stemmed from late october 2014 late oct 2014 i could not find my credit card and called to cancel it i did not want to cancel it as i would be traveling the next day and was worried the new card issued with new card number would interfere with my travel booking made with the card later i found the card and went to the branch office to check if the hotline cs has already canceled it or if i could reverse it too late the card was canceled so that was it in november 2014 i was waiting for my cc bill and decided to call the hotline to find out what happened to it it turned out citibank has auto enroll me into e statement i did not get any notification about it at all apparently citibank sent an sms about it but as i was overseas and not using my singapore sim card i did not get the sms at all so i also found out sms does not get through if sim card is not in use i told the cs to remove me from e statement as i am used to paper statement and i write cheque for payment i went down to the branch a week later to check on my statement as i did not receive it the branch cs was very helpful and printed my statement for me a couple of days later i received the paper statement but with the change of card number and the change from e statement to paper the format was a bit different no matter i made payment with cheque and dropped it off at the branch cheque box a few days before due date the cheque was in the citibank envelope with the statement payment slip the following week i received an sms from citibank saying i have not made payment i called to check and encountered the worst citibank hotline cs ever i told her i had dropped off the cheque she said no i asked her to check she refused i asked to speak with her supervisor and was grudgingly put on hold and someone spoke to me the other person promised to check and to raise the case to investigate i was concerned and dropped by the branch the next day to find out if the case has been raised it was under investigation the ever helpful branch cs said not to worry and to wait for the outcome before making another payment and that all late charges and interest would be waived as this was being investigated so i waited a few days later the hotline cs came back with the news that they could not find my cheque and if i could make payment again in the interim i received another call from citibank asking for payment and i had to inform the person this case was being investigated don t they share information so the hotline cs told me to make payment i asked who would pay for the stop payment on cheque as there was a fee to do that i was told it was my problem that citibank lost my cheque this was quite unacceptable as i dropped it off in good faith in their own branch i did not even mail it through the post i told them they could check their cctv as i know the time and date of when i dropped off the cheque they refused of course i asked if i could go to the paragon counter to drop off the cheque the cs snootily told me i could not as it was citigold branch and i am not a citigold customer she told me to go to the other branch where i dropped the cheque before and to approach the staff there for the envelope when i asked about it and also to get the staff to witness me dropping off the cheque into the box i asked what would happened if they lose my cheque again it would be my own fault again if the cheque got lost was the message i inferred so i had to go through another round of hassle with my cheque issuing bank on stopping the cheque payment they want to charge me for that again i so feel i was being penalized for something i did not do it was not like i lost the cheque or dropped it somewhere while walking anyway i got the branch cs to witness my dropping the cheque and we verified the amount for each cc i was making payment for 3 total the branch cs was the only bright light in this whole saga she helped to check again on the missing cheque and helped to put in request for the waiver of the late charges and interest and just kept me updated throughout the whole week kudos to christina that is customer service anyway the cheque cleared so i called the hotline again today to check if the late charges and interest waivers have been approved they had i asked for the amount due for all my cards to my horror the cheque cleared 2 credit cards but not the 3rd the frustration from the weeks past just surfaced again and i insisted on an investigation on it and to let me know the next day as usual the hotline cs gave me the 3 5 working days to investigate i told him this was an on going thing which has dragged for over a month and so they should not waste another 3 5 days on it so what has happened citibank what kind of employees are you hiring 1 to send sms without any verification or confirmation it has been sent and expecting your customer to know what you sent 2 to lose a cheque from your own cheque box and the cheque was inside your own envelope 3 to clear a cheque to pay 2 credit card accounts but not the 3rd account where did the money go to what account number has your employee input this is worrying to know the bank can actually lose cheques on their own premises and now to know payment can go missing the era of relying on computer systems has its own problems and now we are seeing such issues so should we go back to the old way of making payment at the branch counter and to get a receipt that yes payment is received this is also why i do not like online banking much any bug can just interfere and make it looked like you never make payment even if you did super disappointed with citibank now i don t even know how to make my next payment i am thinking of just depositing cash into the machine but i wonder if that works too or do i need to open another citibank savings account just so i can transfer money to the account and make payment from it or maybe i should just stop using credit cards posted by carolyn at 8 24 pm no comments labels life service pop up globe rockefeller center a friend sent me this pop up globe depicting rockefeller center as he knew how much i missed new york city an awesome and unexpected gift to start off 2015 hopefully i can be in nyc for a longer holiday this fall it will be a fabulous birthday present i really will want to visit nyc with girlfriends as it will be more fun posted by carolyn at 8 44 am no comments labels gifts life thursday january 01 2015 first day of 2015 happy new year it is the first day of 2015 and what have you done i did not get to watch new year s eve in the end as i was finishing up love actually before it is gone from netflix in 2015 though i have the dvd too yes another tradition watching love actually during christmas period i will probably get to watch new year s eve i took it easy today just stayed at home instead of going out and fighting with the crowd i spent the morning messaging friends exchanging new year greetings and blessings watched the celebrations at times square online and saw the ball drop on times square there was something just so magical about the ball my first meal of 2015 was just simple chicken porridge with fried egg and onions my last meal of 2014 turned out to be my late lunch of turkey ham roast vegs and lasagna all home cooked at my cousin s place my first bake of the year was a blueberry topped chocolate cake with buttercream frosting may the year turn out to be as sweet and blissful as the cake full with goodness and laughter eat cake and enjoy 2015 posted by carolyn at 5 38 pm no comments labels desserts home cooked life older posts home subscribe to posts atom about me carolyn a mix of everything what is love as far as i can tell it is passion admiration and respect if you have two you have enough if you have all three you don t have to die to go to heaven william wharton view my complete profile fave links silvercloud fotd silvercloud bags and shoes yelp posts aggieb celest sherie hz black white charm sabs bitterstickgal ieatishootipost singapura daily makan photo google news bagsnob beautysnob beauty addict the purse forum cozycot makeupalley mac cosmetics stila cosmetics sephora la senza victoria s secret asos astrologyzone doll maker blissful moments recent comments grab this widget labels 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