I use credit cards very often. When I place an order, if there’s an option for credit cards, I choose it. I always pay within the interest-free period, which is around 30-50days. When you want to apply for a mortgage, banks will evaluate your repayment capability. Therefore, it’s necessary to accumulate consuming (?) records through using credit cards to make your score high.

What your opinion about the hot news of the Xian subway incident? I think the subway guard's behavior was excessive, but not illegal. The woman indeed affected the people in the subway car and the operation of the subway. If there were no tough actions taken to stop her, she most likely would have created more serious problems (or this would have most likely led to more serious results). Today our society is too lenient with bad people, and too harsh with good ones. Society often asks for human rights, tolerance, and patience for people who behave poorly, while at the same time being overly concerned with small errors made by well-intentioned people. It's messed up.

My hometown in Indonesia is called Madiun. I was born and raised there and I can say it is definitely my favorite place. It is located in between 2 provinces-- East Java and West Java. I cannot say that it is a very big city. The town is both traditional and modern. I call it traditional because there still are many festivals celebrated by the locals, yet modern, as it is starting to be developed just like other provinces having much more sophisticated infrastructure.

I heard someone say once: "Respect others as if it is the first time you've met them". I feel this is a useful saying. Almost all of us will have close relationships. We are especially close to our family members like our life partners, parents, and our children. When we know someone well, we see their strengths and weaknesses and we ignore them. We think, "I know you well, you are not good as you seem". That will kill the relationship.