Wednesday, September 24, 2008
This is my sister dog. She bought yesterday. It is actually silky terrier, because the previous owner cut its hair shorter, that's why not so look like it.You guys know I afraid of animal. I love them but I'm afraid of them. haha.. My sister loves dog, so no choice. Btw is a he, so he is kinda playful and keep wanting my sister to play with him. Due to changing of new environment, he keep barking at night. Hopefully by the 3rd days, he will get use to us .
>.< I'm scared.
7:51 PM Deadgalzz Y
Saturday, September 13, 2008
I change to this one new blogskins cos I find the previous one very childish. Recently too busy to post, had headache with my work due to not enough sleep. Don't worry I'm alright now.
From my previous post, I know some people might thought that it is too good to be true. But it cant be liar too. The company Manulife has been here for 55 years. It has been moving the same as prudential just that they are more low profile. Now there's also advertisement, and began reach out more people. Since is a long-term investment, of course don't think about short term... 1 or 2 years. Think 5 -10 years down the road. When going to get marry, houses, children and more. How you going to afford all those? For me, I don't like to ask for money from my parents or friend. They have to use the money for their future too. You may think is redundant to plan your finance, but when come to emergency, will you able to come out the money? The world we living is very cruel and very realistic. Money may not be important to life, but is important to survive. Otherwise, you wont be working so hard right now. Nowadays expenditure is very high. So is up to us how to solve the problem.
I'm not trying to like advertise, ask you to invest too. No. If you think you need it, is up to you how you want to do it. It is up to me to do so too. I find I need to invest, as it is not just for me. It is also for my sisters and my parents. I have to make sure I let my sis finish their education. Anyway it is responsibility to do. If you understand, you know what I'm trying to say.
So that's all I want to explain.
From my previous post, I know some people might thought that it is too good to be true. But it cant be liar too. The company Manulife has been here for 55 years. It has been moving the same as prudential just that they are more low profile. Now there's also advertisement, and began reach out more people. Since is a long-term investment, of course don't think about short term... 1 or 2 years. Think 5 -10 years down the road. When going to get marry, houses, children and more. How you going to afford all those? For me, I don't like to ask for money from my parents or friend. They have to use the money for their future too. You may think is redundant to plan your finance, but when come to emergency, will you able to come out the money? The world we living is very cruel and very realistic. Money may not be important to life, but is important to survive. Otherwise, you wont be working so hard right now. Nowadays expenditure is very high. So is up to us how to solve the problem.
I'm not trying to like advertise, ask you to invest too. No. If you think you need it, is up to you how you want to do it. It is up to me to do so too. I find I need to invest, as it is not just for me. It is also for my sisters and my parents. I have to make sure I let my sis finish their education. Anyway it is responsibility to do. If you understand, you know what I'm trying to say.
So that's all I want to explain.
6:47 PM Deadgalzz Y
Tuesday, September 9, 2008
Today, I met Lannita to follow up the saving scheme she had explain to me on the other day. About this scheme, I find it benefit alot especially to the youngster who just came out to working world. Many people loves to spend more than save. So this scheme helps to save money and benefit in many ways. Due to economy and inflation, expenditure goes up. So this scheme can help u to prepare for that.
Besides that, saving in bank is not enough. For example, 1 year u save 1k. 5 years later, 5k. If let say you in hospital(touch wood), then u need the money to pay for the fee. Of course you have to take out all your saving from your bank. When you recovered, your bank left $0, you have to save again. It is not easy to save that money unless you have higher income. So this scheme helps to in various. For example, I want to save $100 per month. So I put $100 in it. With this 100, it is divide to 3 portion: Critical illness insure, Death insure, Investment. Im sure you all know u only allowed to use $300 medisave once. After that, you cannot use anymore. But this scheme, you can use anytime if you are critically ill. If your are critical ill, you insured 100k plus hospital waiver. Many people thought that once you in hospital u cant save. But for this, u still can save. The investment will still go on untill you sell it. For death insurance, if i die one day(choy) my family can get 100k or my saving whichever is higher.
For investment, it is invest into various unit trust. Not 1 but 3. Just in case one crash, u still have another. But price up or down is up to market. Only a few percent goes to unit trust, then the rest for the other 2 portion. The invest money is alway inside for long-term. If you in need money like for wedding, house and stuff like that, you can sell your unit trust and withdraw your money anytime you want. You want to switch fund also can. It is up to you to do so cos is your own money.
If you want to top up the saving, you may. Or you have finance tight you cant put in any amt, you can stop. investment still inside. If you want to terminate this scheme and want to take your money back, also can. There's no need to pay any fee or whatever. Cos what u get is your own money. There's also no interest.
I take up this plan cos of future needs. This may not be 100% good saver, but i can assured there's not extra thing to pay. Not only that, I cant just rely on bank saving cos I'll be forever in the circle. No way out. No second choice. I don't want that way. In this real world, some risk need to take to get better. No risk no gain, unlike the olden days. It never gonna be the same.
For goodness sake, when I reached home, I haven't talk about it to my mum but only show the broucher, she already disagreed. She haven't listen to me yet. And I know what I'm doing. She kept saying is same as AIA. NO! NO! NO! is not the same. AIA policy is more rigid and traditional way, have to pay. But for the scheme i mention, it is more flexible and is all up to the person. That's what i say listening without understanding. No, she's not even listening at all. Futhermore, she always say i keep listen to my friend but not family. She also the same. Haix... well, i know my what I am doing. Im grown up. There's something I have to decide my life. I cant rely on others.
I share this to my friends, cos maybe it benefit you too. It's up to you whether you are comfortable anot to do so. By the way, I considered alot for abt a weeks, and I wondered alot and asked alot. I find it there's no much harm. I am comfortable to do so and is long-term saving. Some more it is flexible unlike others. Makes me less worry is that the unit trusts are not banks unit trusts. And there is a market management to help invest and look out. So is all up to me.
Yup, that's all for today. Night!
Besides that, saving in bank is not enough. For example, 1 year u save 1k. 5 years later, 5k. If let say you in hospital(touch wood), then u need the money to pay for the fee. Of course you have to take out all your saving from your bank. When you recovered, your bank left $0, you have to save again. It is not easy to save that money unless you have higher income. So this scheme helps to in various. For example, I want to save $100 per month. So I put $100 in it. With this 100, it is divide to 3 portion: Critical illness insure, Death insure, Investment. Im sure you all know u only allowed to use $300 medisave once. After that, you cannot use anymore. But this scheme, you can use anytime if you are critically ill. If your are critical ill, you insured 100k plus hospital waiver. Many people thought that once you in hospital u cant save. But for this, u still can save. The investment will still go on untill you sell it. For death insurance, if i die one day(choy) my family can get 100k or my saving whichever is higher.
For investment, it is invest into various unit trust. Not 1 but 3. Just in case one crash, u still have another. But price up or down is up to market. Only a few percent goes to unit trust, then the rest for the other 2 portion. The invest money is alway inside for long-term. If you in need money like for wedding, house and stuff like that, you can sell your unit trust and withdraw your money anytime you want. You want to switch fund also can. It is up to you to do so cos is your own money.
If you want to top up the saving, you may. Or you have finance tight you cant put in any amt, you can stop. investment still inside. If you want to terminate this scheme and want to take your money back, also can. There's no need to pay any fee or whatever. Cos what u get is your own money. There's also no interest.
I take up this plan cos of future needs. This may not be 100% good saver, but i can assured there's not extra thing to pay. Not only that, I cant just rely on bank saving cos I'll be forever in the circle. No way out. No second choice. I don't want that way. In this real world, some risk need to take to get better. No risk no gain, unlike the olden days. It never gonna be the same.
For goodness sake, when I reached home, I haven't talk about it to my mum but only show the broucher, she already disagreed. She haven't listen to me yet. And I know what I'm doing. She kept saying is same as AIA. NO! NO! NO! is not the same. AIA policy is more rigid and traditional way, have to pay. But for the scheme i mention, it is more flexible and is all up to the person. That's what i say listening without understanding. No, she's not even listening at all. Futhermore, she always say i keep listen to my friend but not family. She also the same. Haix... well, i know my what I am doing. Im grown up. There's something I have to decide my life. I cant rely on others.
I share this to my friends, cos maybe it benefit you too. It's up to you whether you are comfortable anot to do so. By the way, I considered alot for abt a weeks, and I wondered alot and asked alot. I find it there's no much harm. I am comfortable to do so and is long-term saving. Some more it is flexible unlike others. Makes me less worry is that the unit trusts are not banks unit trusts. And there is a market management to help invest and look out. So is all up to me.
Yup, that's all for today. Night!
11:17 PM Deadgalzz Y
Monday, September 8, 2008
Previously I worked in a electrical firm name Terasaki (S'pore). The first thought I have was: Japanese company, so is Japanese boss. So must be good one. End up, yes the founder of terasaki is japanese but the one in charge of Singapore is a Singaporean. How bad is this company is...
MNC company... system like SME company. One HR manger who bao shan bao hai and want to know everything. The most stupid is she ask my about my relationship during interview. That doesn't matter to me. The whole company has no system, jobs too manual. There's no real cost efficient as they save cost ineffectively. The colleagues there are good but not the management. I quited last month 7/8/2008 . I haven't get the pay for 1 month. How pathetic is this company. I thought they will send me cheque by end of the month but still havent get. I thought they should have calculated their account so as the pay. Damn, when i msg my friend to inform the HR manager, she said she forgotten. This shows how inprofession a person is when come to money. Trying to skip my pay? Not that easy. I almost go to MOM for it. Today I call, she said she just send the cheque. WTH? Till today then do so? I doubt their account.
I guess many marine company would have turn them down due to inefficient work and delay of project.
Luckily, Im already out of this company. By the way, many of my ex-colleague who work there for 2-3 years have left and go for better company. This is their greatest loss- manpower.
I'm now happy with my new company. :)
MNC company... system like SME company. One HR manger who bao shan bao hai and want to know everything. The most stupid is she ask my about my relationship during interview. That doesn't matter to me. The whole company has no system, jobs too manual. There's no real cost efficient as they save cost ineffectively. The colleagues there are good but not the management. I quited last month 7/8/2008 . I haven't get the pay for 1 month. How pathetic is this company. I thought they will send me cheque by end of the month but still havent get. I thought they should have calculated their account so as the pay. Damn, when i msg my friend to inform the HR manager, she said she forgotten. This shows how inprofession a person is when come to money. Trying to skip my pay? Not that easy. I almost go to MOM for it. Today I call, she said she just send the cheque. WTH? Till today then do so? I doubt their account.
I guess many marine company would have turn them down due to inefficient work and delay of project.
Luckily, Im already out of this company. By the way, many of my ex-colleague who work there for 2-3 years have left and go for better company. This is their greatest loss- manpower.
I'm now happy with my new company. :)
9:02 PM Deadgalzz Y
Never knew I would restart a blog of mine. I have deleted my previous blog long long ago due to time constraint and busy with work stuff.
The reason for starting this blog is because I miss those times i create blogskins and write alot. LOL. Well, that were those times .. when I'm still schooling and have nothing better to do. Now I can't, as work load and studies have taken most of my times. Another reason is I WANT TO POST MY SHOUT OUT! It is bad to keep inside my heart, and yet when want to say to someone... Not sure the listener really listen by heart or just listen for the sake of listen. For posting up, i just have to write it out. You want to read or not, it doesn't matter. ^^
The reason for starting this blog is because I miss those times i create blogskins and write alot. LOL. Well, that were those times .. when I'm still schooling and have nothing better to do. Now I can't, as work load and studies have taken most of my times. Another reason is I WANT TO POST MY SHOUT OUT! It is bad to keep inside my heart, and yet when want to say to someone... Not sure the listener really listen by heart or just listen for the sake of listen. For posting up, i just have to write it out. You want to read or not, it doesn't matter. ^^
8:50 PM Deadgalzz Y
Welcome to
eden-the-dead-girl.blogspot.com
A.k.a DeadGalzz
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