33 C
Singapore
Wednesday, April 29, 2026
Ads
Home Blog Page 3310

INSURANCE AGENT PROMISED GREAT RETURNS FOR CPF INVESTMENT, LOSE OVER $12K

Don’t ever take investment advice from an insurance agent, I learnt this the hard way.

I was an avid saver and self-employed, diligently contributing to my Central Provident Fund (CPF) account ever since I started working. I was always diligent with my CPF contributions, faithfully topping up my Ordinary Account every month.

One day, an insurance agent approached me and promised me a chance to get high returns on my CPF investments.

He said that he had a great investment plan with guaranteed returns of 10%. All I had to do was to transfer the funds from my ordinary Account to his unit trust fund. Since his offer sounded really enticing, I decided to give it a go.

Little did I know that this was a lie. I soon found out that the 10% returns were greatly exaggerated. After a few months, I realised that I had lost more than $12,000 from my investments. I was devastated and it was a huge financial blow to me.

I quickly contacted the insurance agent to demand an explanation. He simply brushed me off and stopped taking my calls. I was angry and heartbroken, and I felt that I had been cheated and taken advantage of.

It was a hard lesson to learn, but I was determined to protect myself from such scams in the future. I had learnt to be more vigilant and to do my due diligence before investing my money. I also made sure to read the fine print and understand the terms and conditions before investing.

Ultimately, it is important to remember that all investments come with a certain degree of risk, and no investment is completely safe. The best way to protect yourself is to do your own research and consult with a certified financial advisor before making any decisions. Don’t be taken in by enticing offers and false promises, as you could end up losing a lot of money.

So don’t ever take investment advice from an insurance agent, I learnt this the hard way.

GF INSISTS ON TAKING PLANE TO KL BECAUSE DRIVING IS A WASTE OF TIME

0

I had a hard time convincing my girlfriend to take a road trip to Kuala Lumpur. She was adamant that taking a plane is the only way to get there.

She said that it would be a waste of time if we drove, and that it would be a more efficient way of getting there. I knew she was right, but I still wanted to go on the road trip with her.

Plane got delayed

So, we finally agreed to take a plane to Kuala Lumpur. We planned our trip carefully, making sure that we had enough time to explore the city and the surrounding areas.

We booked our tickets and the excitement started to build up. We couldn’t wait to get to our destination.

The day of our flight finally arrived and we were ready to go. We arrived at the airport and checked in. We went through all the security checks and then we were ready to board the plane.

We settled into our seats and waited for the flight to take off.

But as the plane started to move, something didn’t feel right. I could feel the plane shaking and I knew something was wrong.

The pilot came over the intercom and told us that we were experiencing some technical difficulties and that we would be delayed.

We waited for what felt like hours, but nothing happened. Eventually, the pilot announced that the plane wasn’t going to be able to take off and that we would have to disembark and wait for another flight.

We were naturally feeling sian. We had been looking forward to this trip for so long and now our plans were ruined. We had to book new flights and wait for them to arrive. We were so frustrated and disappointed.

Reach KL then no mood

We finally arrived in Kuala Lumpur, but the mood was somber. We had missed out on so much of our trip and the whole experience had been ruined. We tried to make the best of the situation, but the disappointment was still there.

We explored the city, but the experience was not the same. We had lost our enthusiasm and we just wanted to go home. We had planned on staying for a few days, but the experience was so disappointing that we decided to leave after just one day.

We got on the plane and I looked out the window, wishing that we could have had a better experience. I had wanted so badly for this trip to be perfect, but it had all gone wrong.

HEARTLESS BOSS OWES EMPLOYEES SALARY, DON’T CARE IF THEY GOT BILLS TO PAY

0

We had been working for our boss for several years now and he still hadn’t paid us our salaries. It was a difficult situation since we all had bills to pay and families to support, but our boss just didn’t seem to care.

Always came up with excuses

We had tried to talk to him about it and he would just brush us off or make excuses. We knew he had the money but he just didn’t want to pay us.

We were all getting desperate and frustrated, but we had no other choice but to keep working for him for fear that if we left we would never be able to chase our salaries back.

Tried to confront boss

One day, I decided to take matters into my own hands and went to his office to confront him. I asked him why he hadn’t paid us our salaries and he just shrugged and said he didn’t have the money.

I asked him why he had hired us in the first place if he didn’t have the money to pay us and he said he thought he could make it work.

I was livid and started to argue with him, but he just sat there and said nothing. He seemed completely unmoved by our plight and I could tell he had no intention of paying us.

Boss tried to use us even more

I was about to leave when he finally spoke up and said he would pay us if we agreed to do some extra work for him.

It was a ridiculous offer and I refused. I told him he needed to pay us what he owed us and then we could talk about extra work.

Heartless boss doesn’t care if we have our bills to pay

He just laughed and said he didn’t care if we had bills to pay or not, he wasn’t going to pay us. I was so angry and frustrated that I just walked out of his office.

I felt totally helpless and like there was nothing I could do.

We all went back to work the next day, but we were all feeling defeated. We knew our boss wouldn’t pay us and we had no other choice but to keep working for him.

It was a heartless situation and I felt like I was living in a never-ending nightmare.

We had bills to pay and families to support, but our boss just didn’t seem to care.

It was a hopeless situation and it seemed like there was no way out.

MAN SAYS HELPDESK IS NOT THE COMPANY, TELLS PEOPLE TO NOT MAKE PERSONAL ATTACKS

0

 People who are working as help desk for a government body, are NOT the government

The people who are working as help desk for a government body, are NOT the government.

They only represent them. Please do not harass them asking them why does such xxx governmental body behave this way. These people are often lowly paid, have long working hours and KPIs to meet.

Some Context:

I have a family member who is working for a government contractor as helpdesk. He gets unpleasant emails everyday just because he represents xxx governmental body.

In particular, there was this one email which he overlooked because he has a ton of emails to reply to (and by overlook i mean did not reply on the same day as the recipient intended). And the recipient goes on a long rant..why does xxx governmental body behave this way. I want xxx government body to compensate me. xxx governmental body does not treat Singaporeans with respect.

The recipients complaint was about a really really small glitch but just because my family member did not reply to his email promptly, it has been overblown out of proportion. And my family member might get a warning letter due to this. The email recipient is being unreasonable just because he thinks he is dealing with the government (or maybe he is just an unreasonable person in general).

Anyways, just remember that the people who generally do helpdesk are NOT the government. Do not give them a hard time just because you are unhappy with the government.

Actually in general, just do not given any customer service people a hard time on purpose and just be a decent human being. Most of them are just doing their jobs.

BF’S MOTHER TOLD GIRL: “10 PM STILL GO OUT, YOU THINK YOU ARE A PROSTITUTE?”

0
Am I wrong for reacting to an offensive statement that my boyfriend’s mother told me?

Here’s the context: I was on a business trip with my BF’s mom. She is my boss. The incident happened during our rest time at night time. I have lived in the place for some time so I’m familiar with it.

Earlier after dinner, we were walking towards our hotel with her and my colleagues, I casually told one of my colleagues that I’m planning to go to my favourite café to hang out. She told me she would love to come.

My BF’s mom (75y/o) was there and heard it. As soon as we were back in our room, I told her I was going out alone. I said this because my colleagues didn’t want to be with her. If she learned that my other colleagues will join me, she might get FOMO’d and decide to come with us.

We would like to have this moment among ourselves, and be able to talk freely about everything that we want to. I was actually in the middle of a phone call with my BF when I told her I’m going already.

She got pissed and told me “what kind of a decent woman would go out alone at 10 PM and hang out in a public place like a prostitute?” My BF heard this, and he told his mom it was okay since I have been doing it while I was living there.

I was also starting to get irked by what she said so I decided to just go and cool my head off. She was mumbling something about my attitude which I ignored. When I told her I’m going ahead, she angrily asked me “why, are you seeing someone??”.

This pushed my buttons that I wasn’t able to stop myself from reacting. Then we started arguing, I asked here 2x, “If I went out tonight, would that make me indecent?”. She answered “yes” 2 times. Then I stormed out of the room since I really need to take a break from her. The day after we tried to act like nothing until we went home.

As soon as we went home, my BF tried to reconcile us, but in reality, he was fighting me over what happened. I needed to defend myself so we started shouting at each other. Since we live in his parents’ house his mom came into our room and triangulated the situation, when in fact it was because if her why we were fighting.

BF’s mom told me she doesn’t have anything to be sorry about since the intention was not malicious, and also she added that “her mouth is decent”. So in short, the situation got worse.

Now my BF reiterates that I am the one at fault and his mom isn’t, when in my opinion that shouldn’t have happened if his mom knows how to respect people through words, as it was evident that no one likes to be around her. Now I had to leave the company, but it’s okay since I have a job offer somewhere else. However, our relationship is now on the rocks because of what happened and BF is blaming me for it. My BF was telling me that his mom helped us financially which is true.

But what I am saying is that, that is not a warrant for her to disrespect people.

MAN SAY DON’T BOTHER ABOUT SALARY OR PROMOTION, ENOUGH TO EAT CAN ALREADY

0

Just graduated, working now. Average pay.

I honestly don’t care about promotions or salary increases.

As long as I earn enough to eat at the food court or hawker centre, and occasionally some low-end restaurants like Collins or Saizeriya, I am content.

Work-Life Balance

I don’t care much for travelling or cars. As long as I can grab/gojek occasionally, I’m fine with public transport the rest of the time. For entertainment watching movies or watching Netflix at home is good enough for me. Also I need to set aside some money for my parents. I just want to have as little stress as possible, chill and cruise through life.

My only goal is to get a HDb flat when I am 35 because I’m single. If I stay single when I’m 35, so be it. If I get attached, that’s cool too.

Everyone around me seems so tense and I just can’t relate. As a girl my parents of course hope I get married soon. I just can’t be bothered. My dog is good enough company and the only one I’d splurge on.

I just don’t care much about anything that’s not life or death. Am I damn weird or lazy or what lol.

Here are what netizens think:

  • Not weird! i have the same thinking too, just gonna wait till 35 and get my own hdb 
  • I personally dislike Saizeriya a lot (LOL!), but that aside, what you have described is far from lazy – IMO you are doing fine and good! Live honestly and happily, and be good and kind to others – that is all that matters.
  • I think you’re doing okay. As long as you’re happy that’s all that matters.

WOMAN SUFFERED A MISCARRIAGE BUT FELT RELIEVED, DIDN’T WANT KIDS IN THE FIRST PLACE

0

I’m relieved I had a miscarriage

I found out I was miscarrying last week and I feel…relieved. I know, you don’t need to say it, I’m a TERRIBLE person. But let me explain, or vent, I guess.

Never have I wanted kids. Never have I liked them- even as a kid I didn’t understand people my own age. They annoyed me. Playing pretend seemed pointless. The idea of playing with dolls (or worse a baby born) was horrifying to little me.

I think where this was solidified was after my parents divorced when I was 10. My mother decided to stop parenting or even coming home and for a multitude of reasons I won’t divulge, my father had to work remotely for 6 out of 7 days and nights of each week.

So I became the parent to my younger sister and mentally ill older sister. I cooked, cleaned, medicated and helped with homework. I made the appointments, sought help to obtain groceries and did everything I could to protect them both from the truth of that time.

They still don’t know much, they have been kept in the dark for 15 years. At this point I don’t want to hurt them with the truth but I am so. damn. resentful.

My husband also does not want kids, probably even more so than I. While we had vastly different issues in our childhoods, we have both witnessed the horrors that bad parenting can inflict.

While we truly feel our lives would be ruined by having children, neither of us can bare the thought of inflicting pain on a child that knew it wasn’t wanted.

We both stated clearly in the beginning of our relationship that if the other ever wanted children, it would be a dealbreaker as we wouldn’t deny that of the other but would never be willing to offer it ourselves.

Over the past three years I have experienced substantial health complications due to reproductive issues. Sorry for the vagueness- I simply don’t believe the diagnosis is exactly accurate but that’s a separate matter.

But regardless, as difficult as it has been to come to terms with and accept what I once saw as my body failing me at the one thing I should be able to just do (no matter whether I wanted a family with children or not), there was always a part of me that appreciated that “the chances of falling pregnant naturally was little to none”.

Now we are adults, that know all too well how babies are made, but that doesn’t mean we are always safe. I don’t always have a cycle and from testing completed I rarely ovulate, so I think I convinced myself it wasn’t a big deal.

But due to all of this i also keep a decent stash of pregnancy tests on hand for when its been a little too long since my last period.

Without rambling too much longer…The pain and cramping became unbearable and the sudden bleed was, well, sudden. So I took a test anyway and low and behold, it read at three-ish weeks.

To say I fainted immediately would not be an exaggeration. Coming to I felt shock, fear and absolutely disgusting. Disgusted at the thing inside of me.

Continued testing showed levels coming down and tests now read negative. I’m not entirely heartless, I feel for the little lost soul, I even had a little cry. Though stronger than any sadness or regret is relief. A spirit lifting, year made relief. I can’t convince myself that this wasn’t the best outcome for all.

Thank you to anyone who has read my ramblings.

MAN WITH FAT BELLY GETS HIMSELF A CHIO GF – “DON’T GIVE UP, THERE’S SOMEONE OUT THERE FOR YOU”

0

All these advice about asking men to go gym, workout, pick up a sport, stay buff, just to increase your chance of getting a girl. You know how it makes fat people who can’t slim down feel?

I’m fat ok. I have a pot belly and I’m not even 30. I try to exercise but I work really long hours, sometimes I just want to go straight to sleep when I get home.

I eat whatever is served to me at work so I cannot afford to be choosy as I don’t want to pack cold lunch boxes. I eat whatever my mother cooks because I am not a picky eater.

I wear glasses and didn’t get contact lenses or want to do lasik. I hang out with a lot of older people due to my job.

So I really have not much chance to meet girls. Sometimes they joke about helping to matchmake me with their daughter or niece. I never took their offer seriously.

I know this girl from another friend. I find her very pretty. She works in the beauty industry so she is always well groomed.

We spent a lot of time messaging before meeting in person. I grew to like her but I was worried because I can tell she is barely half my size. I didn’t want her to meet me out of pity so I didn’t ask her out a second time. We continued to message each other often. I really enjoyed talking to her.

The next time we met with another friend in tow. She asked me why didn’t I ask her out and she wanted me to accompany her to this place after we split with our friend. I guess I didn’t get the hint as I thought she only thought of me as a friend. She held my hand and told me she like me.

Now I’m happily attached for the last 6 months to this gorgeous girl. I’m sure she didn’t fall in love with my pot belly first. I met her parents and they accepted me. She’s not a princess, she is very understanding and kind hearted. My parents approve of her too.

I don’t earn a lot, I’m not good looking, I’m not a smooth talker. But I’m genuine to her. So don’t give up guys. There is always someone out there for someone like you.

GUY SLEPT AROUND & FORGOT HE HAS A GF, WENT AND GOT 3 WOMEN PREGNANT

0

I got 3 girls pregnant and then found out my gf is also pregnant

Im a (24M) and my life has been quite dramatic. For starters me and my girlfriend were kind of going downhill and we went on a small “breakup/rest from each other” sort of thing.

During this “ small breakup” I went ham and slept with so many girls I forgot I had a girlfriend. It was an unprecedented freedom that I haven’t had for a while, not needing to ask my girlfriend for permission to go out or talk to other girls, or even people.

I basically just slept around and planting my seed everywhere, basically during the 7 months we were separated, I slept with more than 60 to 70 women, from Singapore to Malaysia to Thailand.

Me and my girlfriend eventually went back together and everything was fine, and of course I didn’t tell her about what I did during our short break up.

But it wasn’t, I received a text from one of the flings I hooked up and she was pregnant and she was 100% sure it was mine.

I held off on telling my gf the news coz I needed time to process it. A girl who I was normal friends with (and I remembered finishing in her and the other fling) claimed to be pregnant with my kid and now I had 2 kids.

Im like omg so like a few weeks I get another from a girl with her pregnancy test and somehow I also finished in her aswell.

So I have 3 kids and during this time my girlfriend was holding off on and she surprised me with her pregnancy test. Yes, now my girlfriend is also pregnant.

I came clean and told her about the other pregnant girls but promised to stay with her. She got really mad about how I had 4 girls including her carrying my kids.

So now I have potentially 4 children and I don’t know how to move forward or what to do from here on out.

GUY EARNS $3K BEFORE NS, ASK HOW TO SURVIVE WITH ONLY $630 AFTER ENLISTING

0

I’m in a pretty bad situation. My pay barely covers monthly utilities, transport for all my family members, HDB rent, medication for my parents, groceries & and my little brother’s school fees & costs.

I’m working on a contract basis for a IT company as well as a Grab delivery rider on the weekends. 7 days a week.

Total monthly I’m able to bring back combined $3k. I’m the sole breadwinner for my family.

Once I get into NS in a couple of months, 80% of my pay will be taken away. I have no interest in serving NS at all, because pay is completely messed up.

Like even I heard financial assistance max is $500. Even then it’ll be $1130. Nowhere close to what I need to run my household.

If the army is willing to pay for all my house bills, medications & other bills, I’ll accept $630 with my mouth shut.

Who do I approach before NS? My principal focus is on my parents medicines, HDB rent & school fees. Food & transport I’ll manage. I need someone to cover the full costs of those.

I dont care abt the SAF, NS or anyone at all. My family comes first. I’ve no intention in NS life other than caring for my family & till my little brother is able to find a job after his poly studies.

I need some solutions, becos idw AWOL or go to prison for putting my family first.

Netizens’ comments

  • hi i’m a clerk who handles financial assistance for my unit. it does not cap out at $500 and i’ve seen it go up to $2k+ in certain situations.
    Go to your S1 or relevant commander and explain to him your financial situation. They will help kickstart the FAS procedure.
    I will say it is a rather slow process so do provide the necessary documents ASAP. They will ask for copy of all IC’s, CPF statements of all family members, divorce letters and alimony details(if applicable) and a commander may conduct a house visit.
    More documents may be required in more obscure scenarios. DM me if you need more information regarding this.
  • There are SAF financial assistance schemes that can help to alleviate your financial burden if your household income is sufficiently low.
    Alternatively, if you seek proper approval for your superiors you may be granted permission to work elsewhere to earn additional income, on a case-by-case basis.
    Stay strong bro!