A GE Agent knocked on my door earlier this evening. He didn’t say he was an insurance advisor but introduced himself as someone raising money for orphans. The donation was for $10. I went in and checked my wallet and found I only had only $2 note in it. I told him, please take the $2
He told that he needed to take my particulars to issue a receipt. He asked for my birthdate, and I thought how odd. Finally, he asked me to sign the form he filled-up. I took the form to read what I was signing and the first line stopped me in my track. It said I agreed to let GE contact me in any form of mailer or communication medium…..I told him, I am not signing and he told me that it was okay!
I repeated ‘I am not signing this. You’ve not been truthful. I’m signing away my rights under the pretext of issuing me a donation form.” I had felt bad earlier that I didn’t have the $10 moments earlier but felt irritated by then
I don’t mind Insurance Agent soliciting for business but not telling me the truth was unacceptable.
I asked him for his Agent No. which is a number issued by MAS. He refused. He said he has the rights to protect his identity as much as I have. He gave me back the money and walked off.
If he had tried to conceal something from me on such matter, what’re the chances of him concealing more from others?
I need to post on ur page about my truth to a fake post by a conman who owes me money which I helped him to save his house Been two n half years yet he n his wife refused to pay me When I demanded for my money .. he posted bad about me online & it virally spread like fire in FB & WhatsApp Have filed a case & made police report. IO has taken his statement. Investigations are going on
The following are what I need to posted on ur page to help me save my honor
To all who received the FABRiCATED post about me in Whatsapp & FB on 14 Jan 2017 …
pls read my explanation in the attached images I hereby CHALLENGE both the CONMAN & CONWOMAN who had on 14 Jan 2017 posted false allegations about me in online social medias … to come public with all the families & businessmen … they claimed I had cheated & tortured !!!
Show your faces to the world if ur right !!! PAY ME BACK MY S$15k iF UR TRULY GOD FEARiNG !!! There are many victims conned by u of huge amounts .. who are ready to vouch in court against u Have NEVER ever wronged anyone in my lifetime … hence, am bold to face you with my Mahamayee within me !!!
1. You serve NS and are put under a 10 years reservist and IPPT cycle that can stretch into your 40s while you have to juggle family and work commitments at the same time.
But I ain’t too sure how are you going to live till your 40s without national defence. Let alone talk about family or work.
2. After NS you come out to work and fall in love,married and start up a family.
At least you have a job and congrats on finding love.
3. A wedding cost a lot so most Singaporeans married in their late 20s,mid 30s or even later.
The last I remembered (fine, I checked their website lol) it only costs a couple $15 to register their marriage which works out to be $7.50 each. #Godutch #Genderequality right?
(Though I have to say the ROM website needs some upgrading. Who still uses Internet Explorer these days?!)
Throwing a fancy wedding dinner at a fancy 5-star hotel is a choice – your choice really.
4. Now we come to the house.
Upon successfully balloting for the house one need to wait at least 3 years for it or you can buy from open market or private developers where price will be even much higher.
It’s starting to sound annoying but it’s true – nobody said it’s compulsory to get a house of your own.
There are people who live with their parents or in-laws.
5. Once you get your keys your entire CPF OA will be depleted totally and the rest of the mortgage balance will be paid by your monthly CPF every month for a maximum of up to over a decade or 25 years max.
Then imagine, what if all these happened without CPF? Are you gonna pay with cold hard cash?
6. During this time every month of your CPF will not be able to save and accumulate CPF interests because you need to use it to settle house loan.
Technically not true. If you earn more than what you are paying, you will have savings. The rule here is not to bite off more than what you can chew. And yes, you still earn interest on the balance.
7. So 25 years finally finish and your house is fully paid up but by then you will be 55 or into your 60s already.
Congrats! You are still alive. Count your blessings.
8. You want to rest and retire but you can’t because your CPF OA account is empty and CPF minimum sum of 161k is set in place to prevent you from cashing out your CPF in full to use to finance your retirement.
It’s your retirement, and your savings shouldn’t just be your CPF. If you didn’t buy those branded goods, travelled to different countries, or drank those alcohol. Sorry, I assumed. Facts? You have enough money to have an internet connection, which means you have enough to have a phone, or a computer. You have a fully-paid for home to live in and it’s not like you are sleeping under a flyover.
9. So in your 50s or 60s you still need to work until you die or at least for another 10 to 20 years in order to build up your CPF OA account.
If you don’t work until you die, it just means that you will be sitting at home, surfing Facebook and complaining until you die. Matter of preference, I guess.
10. By the time you can really rest you will be in your 70s or 80s already.
Most will have meet their maker by that age already. Lol How to look forward to retirement bliss?
70 – 80? Do you know the life expectancy of people in Nigeria is 52 years? That probably explains the popular Nigerian prince scam.
11. Also the health could be failing or no one is willing to employ the elderly Singaporeans and what are they going to survive on?
It was announced in our Budget 2017 that employers will get wage subsidies if they voluntarily rehire older workers above the re-employment age of 67, as well as those workers who would have already turned 65 before the re-employment age is raised in July this year. So yup, you do have a choice at staying employed even when you’re old, if you want to.
12.In the end their CPF Medisave accounts got wipe out and they either rent their flats out to sustain themselves or sell back their flats and lease to downgrade in order to survive in their dying years.
Downgrading for cash doesn’t sound that bad if you ask me. Especially if you don’t need all that space anymore – smaller area to clean too.
13.If anyone can still say Singaporeans are living a blessed life then I clap for you.
When I was in NS, I was a commando officer. Meaning I’m pretty lethal, legitimately. However, now I’ve ORD and in uni, it’s been a year or so since I touched a gun or a knife. Recently, I brought my dog to the park and my dog barked at some gangster looking kid. He then proceeded to yell at my dog and threatened to hit my dog. I confronted him politely and he scolded my mother in Hokkien. He also challenged me to fight his gang. He doesn’t know that I was a commando officer. Should I accept his challenge and fight his gang? I think I’m lethal enough to fight 10 of that young punk. He’s like 1.65cm, maybe 50kg lol like some stick. Or should I just give him chance and let him walk away in one piece? It’s like I don’t want to be a violent man, but the circumstances force me back into the violent life.
National Service (NS) is something that most able-bodied Singaporean male has to go through. It’s a time when boys are challenged and molded into men. It’s also a time when relationships are tested. I’ve heard of girls leaving their boyfriends because the poor boy doesn’t have enough time for dates or that they don’t have enough money to spend on their girlfriends. I don’t understand that but then, my experiences with having a relationship while the boy is in NS, is slightly different.
During the first year of my then-boyfriend’s NS stint, I was doing my degree in Australia. We had weekly phone calls and text messages. Since he was an army clerk, he got to go home everyday, so we had a few IM chats as well.
The second year of his NS stint, I was back and I’d started working. We had dates on the weekend and some times on the week days. It was nice, except for the part where he complains about the NS stuff. I didn’t understand why he was so pissed off at doing NS but since I wasn’t the one in his shoes, I just kept my mouth shut.
Because the then-boyfriend hate NS, I thought that all men had the same thought. Until I met Dude. Dude enjoyed his NS. He had fun and didn’t regret any part of it. It was refreshing to hear someone who said that it was his duty to serve the country, instead of how much he hated NS and wished that the government would abolish it.
Dude also introduced to me the ‘reservist widow’ experience. I’ve never had to go through that before as the then-boyfriend’s Pass E ensured that he didn’t have to do reservist at all. The two weeks that Dude was away for reservist felt like the longest 2 weeks in my life. I can understand why some of the ladies lament their men’s absence during their reservist. As much as I hate it that he’s away for reservist, it’s only for a week or two. Besides, it’s his duty. I’m just glad that it’s once a year.
That’s just my experiences with NS and reservist. What are yours?
Mr M, 47, was a former senior sales and marketing manager at an electronics MNC for nine years before he was retrenched in 2009. Married with a wife and twin teenage sons, he tried his hand at being a financial advisor for a year before deciding to become a taxi driver. He has been running his taxi service since 2011. He survived a heart-attack in late 2012 and now has four stents in his heart. His philosophy on life is now to live well, stay healthy and to share his real-life experiences. In his second post on Taxi Talk, he talks about real-life encounters with Singapore casino patrons.
This week, I would like to talk about the social impact of the casinos in Singapore and how they are affecting families in our community.
I pick up many casino patrons during the course of my work every week. These are real-stories shared by customers whom I have picked up at Marina Bay Sands (MBS) and Resort World Sentosa (RWS) over the last two years.
Passenger #1
A Thai permanent resident lady of about 35 years old who dresses as a tai-tai. She has lost S$300,000 at MBS over a period of 6 months, but she still continues to gamble at RWS because she “wins more than she loses”. She stays at a condo in the city.
Passenger #2
A wholesale male worker of mid-twenties from China, whom I picked from Pasir Panjang wholesale centre one morning. He was heading to RWS and told me he had lost S$12,000 at RWS in one night. He currently earns S$1,200 per month and is now struggling to pay his debts and has defaulted payment to his family in China
Passenger #3
Picked up a Singaporean man in his late 40s one evening. He was well-groomed and wearing office attire but he did not have any money to pay for his fares of S$35 from MBS to Chua Chu Kang. He tried to use his mobile phone as “guarantor” so he can go back home to get money to pay his fares. I allowed the arrangement in good faith, as the mobile phone was genuine and in good working condition.
Passenger #4
An army regular in civilian clothes in his late twenties who goes to MBS every Thursday/Friday and plays from 6.00pm – 5.00am. He returns to his camp near Nee Soon the next working day to resume his work again.
Passenger #5
Singaporean lady in her 70s who goes to MBS daily to gamble from 8.00pm – 7.00am. She redeems her membership card points to stay in the hotel. She lives in a landed property. Her daughter would accompany her in the evening to MBS and pick her up in the late morning.
Passenger #6
A Singaporean male in his 40s who has lost his franchise convenience store business due to big gambling losses. He is currently unemployed now.
Passenger #7
A Singaporean male in his 50s who has incurred excessive gambling debts and is trying to recoup his losses amounting to S$100,000. He’s now in the process of filing for bankruptcy.
Passenger #8
A Singaporean male in his 40s whose wife left him with 2 children after he incurred huge gambling losses totalling S$200,000. He has downgraded from a five-room flat to a three-room flat. His addiction to gambling started when he was a teen, coming from a broken family.
Passenger #9
An Indonesia PR in his 50s who gambles S$1,000 max at RWS every week. Refuses to bring his ATM/credit card along.
Passenger #10
A Japanese man in his 30s. He gave me a tip of S$39 on top of his fares of S$11 (gave me one S$50 dollar note and asked me to keep the change) whom I picked up from Lavender street to MBS in one morning. It was the highest tip given by a customer. I think he must have won big money the previous day and was continuing his second round that morning. However, my buddy taxi friend told me he had ever received tips of up to S$200 in just one night when he picked up a passenger at RWS.
I am not a gambling expert but I know enough from personal friends to know that addiction to gambling is NOT just a personal problem. It will end up affecting the entire family if there is no self-control and discipline.
Here are useful tips I’ve heard to keep gambling from becoming an addiction.
— Allocate money for necessities first (eg: bills, daily expenses, transport, food, rental etc)
— Never use more than 2 per cent of your income for gambling
— Avoid temptation by not going to casinos or associating with gamblers
— When you gamble, do not carry with you more money than you can afford to lose
— Never borrow money to gamble. Never !
— Don’t lend money to a gambler. You will probably never get it back.
Breaking News – There has been a breach at MINDEF earlier this month. A total of 850 NSmen and employee information has been stolen. It has been reported that the information stolen is personal data.
The bright sight is that no classified army data was stolen. Only personal data of NSmen and employees such as
NRIC number
Phone Numbers
Date Of Birth
Am I affected?
MINDEF or relevant agencies will contact the 850 and advised them to change their passwords. So just wait lor..
Weight gain, skewed hormones, next-day hunger, and blood sugar and insulin issues is due to poor sleeping habit.
What you drink would potentially affect your beauty sleep so you have to beware of what you drink before you hit the sack. With the common knowledge that having caffeine and sugar too close to bedtime would disrupt your sleep, it’s good to know that other nutrients would help you to improve blood sugar stability burn fat and build muscle.
MILK
Due to a healthy dose of tryptophan and calcium a glass of milk (whether warm or not) can help you sleep more soundly.
As milk’s casein protein is slow to digest, it could help you build muscle through the night which means less other day cravings with more sleep. This mean a faster absorption and better weight loss as a result.
Grape Juice
To aid better sleep and burning of fat as you doze off a small cup of 100% grape juice might help.
The insulin secretion at causes by intake of simple carbs, eg juice adjusts the body’s circadian rhythms as recommended by Cell Report research paper. An antioxidant that converts calorie-storing white fat into calorie-burning brown fat resveratrol was found in grape juice in a 2015 International Journal of Obesity study.
CHAMOMILE TEA
A neurotransmitter that not only relaxes your nerves also acts a mild sedative come from a hot mug of chamomile tea which increases your body’s levels of glycine.
It help to calm you to sleep by raising your central body temperature and as a responds your system would cool itself significantly.
On top of that improved glucose control and weight loss has been associated to drinking of chamomile. Be sure to that any tea consume is caffeine-free before bedtime.
Tall, handsome and rich. Yes those qualities can be found in my boyfriend.
So what is bothering me now? One particular fact is that my boyfriend is not a combat fit ns guy( Meaning that he is just a 8-5 clerk) last time as compared to other combat fit males who are yet shorter and looks weaker. However, I have tried closing one eye regarding this.
What makes me really furious is the fact that he behaves like some ah gua. I remember that there was one incident where some girls hurled verbal insults at me. Instead of protecting me, he sat at a corner and cowered in fear. What a useless guy! The girls even proceeded to bully him after they had enough of me, leaving him in tears?!! What? Such a big guy yet so weak on the inside! It was so embarrassing.
If my boyfriend cant even protect himself from nasty gals, how can I rely on him to protect me from guys? This is such a headache. Sometimes having those tall rich handsome qualities are pretty useless.
A GE Agent knocked on my door earlier this evening. He didn’t say he was an insurance advisor but introduced himself as someone raising money for orphans. The donation was for $10. I went in and checked my wallet and found I only had only $2 note in it. I told him, please take the $2
When I was in NS, I was a commando officer. Meaning I’m pretty lethal, legitimately. However, now I’ve ORD and in uni, it’s been a year or so since I touched a gun or a knife.
Mr M, 47, was a former senior sales and marketing manager at an electronics MNC for nine years before he was retrenched in 2009. Married with a wife and twin teenage sons, he tried his hand at being a financial advisor for a year before deciding to become a taxi driver. He has been running his taxi service since 2011. He survived a heart-attack in late 2012 and now has four stents in his heart. His philosophy on life is now to live well, stay healthy and to share his real-life experiences. In his second post on Taxi Talk, he talks about real-life encounters with 
Tall, handsome and rich. Yes those qualities can be found in my boyfriend.
