“Arghhh…vandalism! I exclaimed when I saw the “O$P$ followed by a mobile phone number” while descending the public lift.

‘O$P$’ stands for ‘owe money pay money’ — a slogan of warning by the loan sharks.

Why go to loan sharks? Out of desperation? A result of overspending? Or a case where banks do not lend to those having little means?

There’d been situations when a new homeowner met with nasty words painted on the walls outside their door. Obviously the loan-sharks are not smart people who know not how to monitor their lenders! These loan-shark scoundrels want to make easy money yet fumble this folly and exploiting the weak!

In this day and age when at every turn we are bombarded to living on credit card. Unwisely many are sucked in and are never able to get out unless one receives a windfall!

Gone are the days when children are taught to put money in a piggy bank — save 5 cents for 10 cents given or, to set aside from pocket money received regularly.

Parents who live on credit cards will inevitably impart this same value to their children. So spins the sad tale of the have-nots. Eventually one puts the blame on society and bad governance and so forth and so forth!!!

Glad my parents taught me never live on borrowed money — if I don’t have, I must not hanker. Parents who had gone through war generation knew how to skim and save! Unfortunately today many are influenced and stimulated by being ‘in’ or follow the fashion and trend of the West or the US?! This one exposure I can do without…globalisation?!