04/4/10

Unfortunate Mishap

Rented a lorry for some school event. Was busy rushing around on the preparation day so decided to lent it to my friend so that he can drive it around when I take a final break at night. The next morning, a sudden call gave me a shock of my life. My friend left the lorry on a slope and went to washroom for awhile and when he came back, the lorry was on the pavement with this red ‘thing’. Thankfully noone was hurt when the lorry rolled down.

Alot of passerbys came to help and we finally manage to lift the lorry out from the ‘thing’ but unfortunately, the lorry had some dents at the front and the renter demands a SGD350 compensation. My friend was responsible enough to pay for the full compensation himself but it was a heavy price to pay for a lesson.

08/21/09

My 24th Birthday Celebrations

My apologies for this very long outdated post.  I was busy with school camps and re-adjusting myself back to school life again after working nonstop for 3months as a freelance PHP/MySQL web developer and web design…

Had to do some photography coverage for an event that day organised by my manager so I was feeling alittle bit down though, doing work on my birthday is really different but I think as the age goes by, birthday is just another working day =(   But baby girl and her colleagues cheered me up by giving me a surprise reservation at Haagen Dazz in Centerpoint.  We had some ice cream and left for another surprise celebration she says.

And thanks to my dearest pinky, she took her precious time to prepare an unforgettable birthday celebration for me again, somehow which I felt it was better than the 1 I had organised 3years ago for my 21st birthday.  As guys, its a hard fact again that we don’t receive much presents but nonetheless, I enjoyed their company!

She created this invitation card to email to my friends Desmond and Sze yuen to ask them to help gather friends for the celebration:

Me and some of my friends:

And guess what?  There were around 5 other August babies celebrating their birthday there too and the band kept playing the happy birthday song to us.. HAHA.

Feeling abit high and since we haven’t gathered together for some time, we decided to drink again at paradize where we shared a bottle of some unknown liquor:

And I seriously LOVE these guys even though we only meet up like once or twice a month.  We are already together for 11years!

And the present I received from Princess:

A $250 watch which caught my attention last month when I was reading FHM.

Another celebration did took place in a chalet with my school orientation camp group named Gambino:

AND NOT TO FORGET, THANKS TO HONGYAO, KENNETH, JOANNE AND RACHEL FOR POPPING BY AT THE CHEESECAKE CAFE IN KATONG IN THE MIDDLE OF THE NIGHT TO WISH ME HAPPY BIRTHDAY!!

Last but not least! My forth Celebration took place with my Hall 5 JCRC committee in Serene’s house while we were having meeting:

IM SO DAMN FUCKING HAPPY.  THE MOST NUMBER OF CELEBRATIONS IN MY LIFE (For now…)  How I wish I could forever stay young =( sobs.

07/23/09

Of insurance and investments

Recently, I suddenly have the urge to join this insurance/investment scheme. We all have to accept the fact that we will die some day and Insurance isn’t just for our ownselves, but for our family members who may not be able to afford the medical fees or sustainability of their own life after our departure. We are adults and we should be equally responsible.

Thus, I did ask afew friends (who are agents) to recommend me afew plans so that I could do my planning for my finance for the next few years. My reason for not been able to commit to sign with them is because Im still drawing pocket money from my dad (who is the only breadwinner in the family) with his unstable business. Another reason is because I need to understand what Im buying because it will be a financial lockdown if I bought the wrong thing. 1 good example I read from a blogger ahkiat is that 1 of his customer bought an ILP (investment linked policy) for about 2 years and wants to withdraw after seeing that the funds she bought has raised up above her expectation BUT, something she did not realise was there is a penalty fee if you withdraw within 10years of the contract, which is to surrender the 90% of the fund, thus she will only have 10% back.. She’s making a big loss even if she did earn some at the funds. And ofcourse, not all ILPs are crap, you have to know what you want based on your time horizon.

ILP (investment linked policy) consists of 2 things, Investment and term insurance. If you want to find out more, read here. I wont say anymore further because Im not a trained finance adviser, but what I would say is that if you want your money to work for you, you really have to decide whether you want to take some risk to gain higher returns rather than a stable low return.

And some of the websites I read recommended:
– Investment is investment, don’t get it together with insurance. It can be cheaper in long term but how long is your time horizon?

– Life Insurance is to provide security and finance to your loved ones should anything happen to you. Be responsible.

– Upgrade your health shield, don’t get bind down by the limitations from the default garment insurance. Your hospitalization/medical fee is more costly than death, we have to admit it.

Last but not least, dont buy something from your agent just because he’s your friend.. buy things that are practical and useful to you! He will be drawing commission from you and you are the one who will be keeping him alive in future if you sign with him, so be realistic.

01/27/09

Happy Chinese New Year 2009

Like what we always do for the past century, meetups with relatives and gossip, talk, share, gamble.  Its a good occasion for the lost bonds to rekindle and letting go of what had happened the past year, reflect and start planning for this rocky pavement of the upcoming year.  Like what Adeline had written in her blog, this year is gona be really tough for the OXes (yeah I was born in the year of OX) and looking at the prediction of the zodiacs’ life this year, tiger, dragon and dog are on the higher summit (my dad, mum and bro) respectively.  I really hope my family would continue to prosper in their business and ofcoz, stay healthy because without health, wealth is mere.

So I brought my mum and sis out last night to Loyang Tua Pek Gong (like what I did for the past few years).  We visit the temple on wee hours to avoid the unncessary crowd and thick smokes.  What had me amazed this year was that the temple had 6 real cows in the temple, as though it was some ritual but it was really saddening to see the animals get trapped in this small place and gets stared at.  There was 1 cow that looked so angry and helpless when I stared at her nonstop for 5minutes.  I was trying to mesmerise her, thats why. LOL.

With an addition of a family member, Biscuit (my dog), my family seems more bonded than the last time.  We had to leave the dog behind in the house because we don’t want to be tied to her when we’re having our family gathering.  Then, my dad always want to go home early instead of staying at our relative house too long unlike last time, when he could stay there until 1-2am.  Its definitely better now =)  I wanna thank biscuit so much for putting my family together again.  My sis, mum and dad now talks more and goes out more often as well.  For the past year, my family relationship has improved tremendously.

On my side, my true friends seem to have a very big gap with me.. it was accumulative effect; when there is a gap, it only gets bigger instead of smaller.  I was really busy with both my school and personal life.  I had to juggle between my poor academic results and my hall’s commitment for my school.  And for personal committments, I have a new family member (biscuit) that I have to be home some times to play with her and my beloved girlfriend, i’m attached.  But still, on the much brighter side, I have met more people in school, earn more friends and still stay happy like previously before army.  However, I still  really miss those slacking days.

So, if you haven’t start reflecting, start thinking on what you’ve really done to make yourself proud and what are your upcoming plans on the rocky paths this coming year and leave a comment here =).

Last but not least,

HAPPY CHINESE NEW YEAR READERS!

Manage to get my hands to try on my cousin’s Sony A-350 DSLR and GuitarHero: Worldtour.  I kick ass, like totally.  Not actually, I only know how to play guitar and percussions with Medium difficulty.  Well, like what other tubers would say, Practice always makes perfect!