Thank you Bro for the kind word. And as for your claim that my blog is ad heavy "sometimes" - I fully agree because I also get hung with my PC!!!  And I really hate the pop up ads that once a while appears out of nowhere. And the joke is, stupid me with minimal knowledge (next to non existence) in programming code cannot seem to locate the source. Over the years I have tried out many ad companies and now blur like hell. Maybe it is time to get my own domain and employ someone to maintain it - yah as if, hahaha. 

Someone at Reddit actually said that my blog is laden with ads and he can get cancer from them, hahahaha. However, the same person was also kind enough to say that my blog is the most informative source for credit cards 

Anyway Bro, noted your dissatisfaction and I will try to rectify the situation when I have the time, most probably end of the year as I be overseas majority of the time until mid December.