#❁ ﹒cloevers

[miphys]

﹒ 𓈒 🌱 ◯ 🌳 ﹒⟢ 🌿﹒✺

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[k-yujin]

⠀ ⠀ ❀　 　🥤　 　tysm for 800 !!　　 ❛ 　 　♬

thank you so much for 800 and all the support !! advanced happy new year to everyone i hope everyone is doing amazing and staying safe again thank you so so much for 800 flwrs 💕💕

⠀ ⠀ ❀　 　🎪　 　my fav blogs !!　　 ❛ 　 　♬

@y-ves @s-heon @baesol @favhaerin @kovilla @yeritos @wonlita @iluvrei @misdior @tyunlouv @vivihrts @boos2bies @froopis @contexty & more !!

#❁ ﹒k-yujin #also follow my alt <3 #@cloevers

[cloverstellar]

hi cloever :>

WHAR THE FUCK

#rose asks #/silly #mutuals my beloved

[mybukz]

Review: Money Stories from Malaysians Volume 1

Title: Money Stories from Malaysians Volume 1 Author: Various Genre: Fiction, non-fiction Format: Paperback, ebook, 93 pages Publisher: Suraya Zainudin Communications Pricing: RM29.90 (book, postage), RM9.90 (ebook) Available at: https://ringgitohringgit.com/product-category/money-stories-from-malaysians/ Reviewer: Leon Wing

I wasn’t sure what to expect reviewing an anthology of short stories on the theme of money. Which is what Malaysian money blogger Suraya Zainudin put together: ten fiction and nonfiction stories. Don’t expect writings from money experts though. Some stories cover personal finance, but written with a twist—or rather, under a slew of genre, from the usual everyday stuff about how to manage your ringgit, to fantasy.

In “Look out for Naila, world!”, Jouhari Ali tells us how his daughter taught him about money. The story begins very early in her babyhood, when her mother called it a day with married life and left the father with the daughter and a low rent house. He bought an apartment later as she grew up a precocious little lady. They did father and daughter things together, like fishing. All well and good, but, again, what has all this got to do with money? Well, read further, instead of me revealing anything more.

“In Memoriam” by N. T. Cloever starts off with a doctor’s log in some distant future. By this, you know you’re in a fictional world. But a setting about money? You wouldn’t guess it if this piece appeared in some fantasy magazine, would you, when the log record tells us about some experiment involving growth hormones? We come upon an illustration of a girl holding an umbrella over a beggar. The patches on his frayed clothes don’t look very futuristic. The doctor is at Central Station, and the question on her mind is “What is wealth without memory? When in the distant future, memory is a commodity and a currency, what happens if you sell your memories for necessities like food? This piece reeks of Black Mirror, a scifi serial.

The longest piece, “Necessary Expense” by Sarah Anne, is another fantasy. It swills with a merman and some flying creature couple. Money is tight and they have to deal with monetary issues and expenditures, like water for the merman, fixing the tank, and broken furniture from flying indoors. Things are so dire that the flying female has to resort to selling some of her feathers, and then some.

I gather “Cigarettes” by Eu Leon is a true tale, about the expenses of smoking. The first instance rather makes one crinkle the nose, not because of the smoke. Though the writer doesn’t go all graphic on the act of “passing motion”, the mere narration is enough, even though it is tempered with a bit of humour about the smoke masking the even worse smells of durian and petai. Next, we read about other expenses concomitant with cigarettes: meals, traffic jams, tea drinking with friends, boredom, stress, break times, awkwardness, customers who smoke. Does the writer finally kick this bad habit at the end? Read the piece yourself to find out.

“An APP-xpensive Mistake” by Sumi S recounts an incident the writer doesn’t want to relive. It began the day her mother told her to withdraw the allowance her father banked into her account. She found it short by RM800—her brother had bought games for his iPad. The story goes on recounting how to get back the money, to keep calm, and to deal with customer service.

In “Condo” by Aina Izzah, we meet Farrah getting her hands dirty in a game show called “Condo”. The premise is she and other players compete for money, and rise up the condo for the final prize of RM1 million and a penthouse. The initial levels of the game seem simple enough, requiring her to eat, drink and fast. But one challenge has her digging into the bowels of a pig. She forwent a job interview for the chance to win big money. But was the sacrifice worth it? Besides, she has to make yet other sacrifices while playing the game—and also an “investment”.

“Managing Finances while Doing a PhD” by Juntaki is a puzzler. It begins sedately, elucidating the educational mysteries of doing a PhD. The sentences feel like they belong to a thesis, rather than a short story or a nonfiction. Take phrases like “processes involved in such a tremendous commitment may be content with …”, “affecting an individual’s ability to maintain stability financially…”. In this vein, the writer proceeds to “elaborate how I was able to effectively manage my finances during my phD.” I read on to see if all this seriousness is perpetuated with tongue in cheek. But, no, the writer is giving the reader a detailed rundown in all seriousness. If you’re interested in doing a PhD and want to know the costs involved, you’ll enjoy this piece.

The title “My Family’s Experience with Ponzi Scheme” leaves one without any doubt about the angle of the piece by Jonathan Kam. Like the previous story about going for a PhD, it also offers a lesson. The writer warns the reader about buying a membership and expecting to receive a share of other members’ money.

In “How Much is a Mother’s Job Worth?”, writer Chan Ai Sin counts the ways. Right from the start, she tells us being a mother “pays nothing, allocates no day off, and accepts no resignation no matter how tough the going gets”. She even includes a chart listing hourly rates of the various tasks a mother takes on. With humour, she tells us her experiences as milk producer, chef and nutritionist, staff nurse, and a couple of other positions.

“For the Greater Good” by Suraya tells a story of how a government scheme to give citizens a living wage became a bane to employers and a boon to employees. It destroyed companies like Rina’s when employees quit over the good news of this Universal Basic Income. No matter the direness of the story, I couldn’t help grinning, especially reading about how certain factions of people were against this UBI. Rina attended a talk and inadvertently got arrested for attempting to jeopardise government plans. I suspect the writer is hinting how the type of benefit schemes UK offers the unemployed could turn Malaysia into a totalitarian state.

These days when Malaysian writings in English hardly attract local readership, an anthology like this is not only off the beaten track of usual genres like literary, noir and horror, it is welcome simply for its monetary theme.

Suraya Zainudin is a freelance writer and an independent communications consultant specialising in online content creation and management. She is also the founder of Ringgit Oh Ringgit website, where she writes about her lifelong obsession with personal finance and how she invests, spends, earns and saves money.

#short fiction #Non-fiction #Malaysian literature #anthology #Suraya Zainudin #Money Stories from Malaysians Volume 1

[jinxedeyes]

Hap da berf!

Birth is the act or process of bearing or bringing forth offspring.[1] In mammals, the process is initiated by hormones which cause the muscular walls of the uterus to contract, expelling the fetus at a developmental stage when it is ready to feed and breathe. In some species the offspring is precocial and can move around almost immediately after birth but in others it is altricial and completely dependent on parenting. In marsupials, the fetus is born at a very immature stage after a short gestational period and develops further in its mother’s womb’s pouch.

It is not only mammals that give birth. Some reptiles, amphibians, fish and invertebrates carry their developing young inside them. Some of these are ovoviviparous, with the eggs being hatched inside the mother’s body, and others are viviparous, with the embryo developing inside her body, as in mammals.

#that sounded cloever im sorry LMAO #ask #katlianisms

[theniceshirts]

via Products – The Nice Shirts

#IFTTT #Products – The Nice Shirts

[miphys]

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[miphys]

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#❁ ﹒cloevers #!! credit to all rightful owners !! #source: pinterest #fyp #fypage #icons #pixel icons #pixel gifs #green pixels #green pixel gifs #gifs #pixels #discord emotes #plant pixels #girl pixels #carrd icons #carrd stuff #brown pixels #flower pixels #cottage pixels

[miphys]

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[miphys]

⠀⠀⠀⠀⠀⠀(ꈍ ᵕ ꈍ)　　❁　﹒　　♬　　🩰

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[miphys]

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[miphys]

　 　∿　　 ﹒　　 ☆　 .　　🐚　　 ♫

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[miphys]

﹒ ﹒this is late but tysm for 100 followers!! ♡ ♡

feel free to req since i really dont post anything here except if its requested :DD

#❁ ﹒cloevers

[miphys]

ty for 50 flwrs !! <33

#❁ ﹒k-yujin #❁ ﹒cloevers

[k-yujin]

❀　 　🚖　 　hiatus notice !!　　 ❛ 　 　♬

— ★ hii ive decided im going to go on hiatus in the mean time i will be closing my ask here and @cloevers but i will still finish my reqs so dw i will hopefully be back in at least 2 weeks i will not be posting anything here after this (since i dont have anymore reqs here) so that everyone can see this. my ask in @ihrtjaem will still be open and i'll be posting updates there so feel free to check that acc from time to time!

#❁ ﹒k-yujin #bye bye i’ll be back soon <3 #i’ll reblog this in my alt once i finish my reqs :D #kpop icons #kpop moodboard #kpop layout #alternative layout #alternative moodboard #fyp #fypage #brown moodboard #yellow moodboard #purin gif #pompompurin #pompurin gif #pompurin #jaemin icons #jaemin moodboard #nct moodboard #nct dream moodboard

[k-yujin]

hiii can i request for headers for this pic? thank youuu 🥹

hii here you go hope you like it :DD (also pls request headers in @cloevers next time tyy!)

#!! credit me if use !! #❁ ﹒k-yujin #kpop icons #kpop layout #alternative layout #jungwon icons #jungwon layout #cyan layout #blue layout #brown layout #enhypen icons #enhypen layout #blue headers #brown headers #cyan headers