Friday, 21 February 2025
Saturday Burned
Thursday, 20 February 2025
ILP Cancelled. Agent Soon To Be Cancelled As Well.
Tuesday, 18 February 2025
The idiot buys the same Investment Linked Plan again...
Met my Insurance Agent yesterday and he managed to convince me to sign up for the very same policy called the AIA Pro Achiever 3.0 that I had to cancel last year.
It's an Investment Linked Policy (ILP) and those policies do not have a good rep on the internet because compared to regular investment routes, an ILP has very high management fees, and traditional ILPs are also laden with a lot of extra fees that are weaved into it that will actually generate a lot of commission for the Insurance Agents, which is why so many agents are pushing it to their clients and why so many people online who are aware of how it really works and also know how to invest on their own are so against it.
My agent assured me during our meeting that what he is selling me is not the same as the one that scummy agents sell for the sake of their commission, but is supposedly one that only focuses on generating wealth for the client, like a proper investment plan.
So I got it because I figured I do need to invest my money to let it grow for my old age, since one of my Savings Plans was going to reach it's maturity, I will have one less policy to pay for, so why not just throw that amount that I would have set aside for that savings plan into this Investment Plan and then add a bit more to let it do it's job. I wasn't prepared last time, but I thought I will mentally prepare myself this time for how much I will be putting in.
He recommended me to put in at least $400 per month, which was like $50 less than last time, so I agreed....
...and he told me to put that much because the welcome bonuses are better in the amount is at least $400 per month, or $4,800 per year, anything lesser and it wouldn't really be ideal, sounds fine, so I agreed.
I didn't think too much after that and was feeling quite pleased with myself that I am actually doing something with my money, investing it and letting it grow, I have heard from my boss about how he has rich friends now who are just enjoying life because they had invested so much money in the past and are now reaping the rewards from it, so I was just imagining myself 20 to 30 years down the road, being able to withdraw all the money that has accumulated and patting myself on the back, but as the day went on, I kept thinking about the amount and I started getting more and more uncomfortable with the plan, something just didn't feel right, and it was the very same feeling that I felt when I first bought it last year, I was investing way too much.
I am not only paying $400 for that Investment Plan, I also have another Investment Plan that I am pretty much stuck with because surrendering that will have a penalty fee that isn't worth it, that Investment Plan is already sapping $250 every month.
Investment Plans aside, there is also the Insurance side, which I am paying a whopping $400 for per month, I honestly think I might have too much coverage as well because a good rule of thumb I have read online is that you should only set aside about 10% of your take home salary for Insurance, I am hoping to earn enough for $400 to be my 10%, but I am nowhere near that amount, which means I should be paying only about about $200 per month for my insurance coverage.
Once I calculated everything, I was actually forking out $1,100 per month on my policies with him, against a $2,800 salary, that is way too much. I calculated how much I will need for food and travel, that came up to about $1,300, which only leaves me with $400 for my personal savings and random splurges.
My plans to travel to Switzerland will have to be cancelled with that measly amount I am able to save every month, I can forget about planning any travel trips because majority of that money that could fund for any trips will have to go into the Investment Plan, an Investment Plan that I will not be able to touch until 10 Years later, and the rest will have to go into my Renovation Fund.
When I read about the Investment Plans on Platforms like Reddit, the common consensus is almost unanimous, and that is to not take on that plan because the Management Fee is very expensive, using a Robo-Advisor like Endowus, you will be charged a Management Fee of 0.4% of what you have invested, but if you decide to invest with the Insurance Company, they will be charging you a Management Fee of 3.6%, that is 9 times more than Endowus.
That means if I were to put in $4,800, the Insurance Company will take $172.80 as part of their Management Fee, ,and I am guessing part of that goes to my Agent, and here is another reason why so many people are against this Investment plan...
1. You will NOT be able to access the funds for the next 10 years, whatever you have invested will be locked away.
2. If you are unable to continue the investment because of some lifestyle changes, say you have a baby and need to redirect that money to take care of that baby or if you get fired from a job and have no income to spare, choosing to surrender the investment policy before the 10 year mark will not entitle you to whatever has been accumulated, instead, you will only get a portion of it the more premature the surrender...
... Full Surrender Charge Rate is essentially the penalty you will have to pay if you choose to end it prematurely, so let's say I suddenly have some lifestyle change on my second year and I decide I want to back out, so I surrender the policy.
This is how Insurance works, so it shouldn't be any surprise that they also implement this in their Investment Policies.
If I were to put $4,800 with Endowus on the other hand, I am charged only $19.20 for my Management Fee, and I have constant access to my funds at anytime.
1. I can choose not to top up if I am ever tight on cash.
2. I can choose to pull out if I ever decide not to continue the investment at anytime.
I have so much more freedom to do what I want to do with MY MONEY and am able to do what I feel right with it, honestly, if I am investing with Endowus, I will probably not touch the funds unless I can see my money grow elsewhere at a much faster rate, which it did when I let the money generate interest in my UOB One account. I ended up getting like a few hundred dollars over a span of a few months, which was great.
I have reached out to my agent since to share with him my decision to cancel the plan for a second time and even listed my reasons why I wanted to cancel it, he told me it wouldn't be ideal to cancel it because I don't really have any proper investment plan with him and that it would be good to continue with the policy for when I retire.
I reiterated that I am simply not comfortable with the amount I am putting in and even told him how much I would be left with monthly if I actually continued with the policy, he then offers me a suggestion to lower the amount to just $200 per month instead of cancelling the entire policy, which I was a bit uncomfortable with because I want to cancel the policy. I told him I would rather put that money in a Robo-Advisor than continue the Investment Link Policy, he then told me he will arrange for a Zoom call to help me with it, which I was really confused by.
A Zoom Call to do what? Help me cancel the policy or help me invest using the RoboAdvisor? The latter has nothing to do with him at all and the last time he cancelled my policy, I didn't have to do any Zoom Call at all, so I asked him why I need to do a Zoom Call to cancel the plan and he just leaves me on read.
That was at 11.35am.
At 4.30pm, I send him a follow up message a to remind him to help me cancel the policy, told him I was appreciative of his intentions behind offering me the policy again, but that I am just not comfortable continuing with it.
He reads the message half an hour later and doesn't acknowledge it. It's now almost 9pm and he still hasn't acknowledged my message, he just left me on read.
My brother and I share the same advisor, so I did ask my brother if our agent had recommended him the ILP before, he told me he hasn't, which I think is proof that my agent probably just sees me as a gullible idiot who will buy anything he recommends, and I was a gullible idiot until last year when he did this shit to me, it just pisses me off that I actually fell for it again this year.
Anyways, I took an advice from a friend and have decided to just attempt to cancel the plan through AIA directly via their virtual agent tomorrow. This will definitely leave a really bad taste in my mouth if I end up actually having to cancel it on my own. I am honestly quite pissed off that my agent decided to just go radio silent on me after I questioned him about why we needed a Zoom meeting to cancel the plan, but I think after this, he will probably not want to call me out for lunch anymore to discuss my policies, would be really awkward for you to pretend you care about my well being when the shit that you have doing (or not doing) proves otherwise.
Sunday, 9 February 2025
iPad Pro Lives!
My old iPad Pro has resurrected!
The last time it had died due to water damage, thanks to my Owala bottle, which I have stopped using because of how bulky it is. I only got it in the bigger size for my Reservist, but now that I no longer have to do 6 hour Guard Duty shifts anymore unless I ever decide to retire in the future and just pass my time becoming a security guard somewhere, which will be many many many years later, there really isn't a need for me to have such a big bottle, so I have just abandoned that iPad murderer.
I digress
I could have thrown the iPad away because it had pretty much just become a very expensive tray the day after it got wet, but I was feeling sentimental since it had been my very first iPad, and it even has my name engraved on it, so I kept it as a memento. A part of me was hoping that the water will eventually dry up and the iPad will suddenly work again some day, so I have tried taking it out and powering it up every once in a while to see if it would, and it always just stayed dead, but earlier this week, I decided to dig it out again to see if it would work, it actually showed the no battery sign on the screen.
That was when I knew my hopes had come true because it actually started working again!
I immediately went to plug it into a charger and it was able to charge it to full battery, and it managed to boot up successfully!
There are still some visible water damage mark on a small part of the screen but it has significantly reduced compared to how it had been previously...
I am quite amazed that it actually came back to life, I had hope for it but I never really expected it to do that.
I'm not sure how long it will actually work for, so I am a bit fearful that this could be a sudden surge of energy, like the iPad is trying to say a proper goodbye to me before it dies a permanent death, so I am feeling very apprehensive.
I had shared this good news with Yan and her husband, whom I shall call Shawn, a few days ago during our CNY Company dinner, my boss had invited all of us, including Yan and Ruby, both of whom were victims of the company lay-offs last year, to catch up and give them red packets because my boss does feel bad about having to let them go so I guess this is his way of "apologizing" I suppose.
When Yan heard about the news of my iPad, she asked if I was interested to sell it, since I technically have 2 iPads in possession, the other being my iPad Air that had been purchased to replace the iPad Pro when it "died". I didn't think it through properly and told Yan I don't mind selling it to her if she wants it, and that I am planning to let it go for $500, since it isn't in the best condition, she then told me her maximum budget was only $300, and that it was totally fine if I can't drop it that low for her, to which I went...
"Okay lah, since I won't be using it anyway, I can just sell it to you for $300."
....Yan and her husband were very happy because it was an amazing deal.
When I got home and was packing the iPad to pass it to Shawn the following day in the office, that was when I started to realize it was way too good of a deal, like the kind of deal only an idiot buyer would pass up and the kind of deal only an idiot seller would make, in this case, there can only be 1 idiot, and that was me, the dumb fuck who didn't think it through before agreeing to the price.
I still have the original iPad Packaging and pretty much everything else in it, aside from the iPad had been unused, the charger and the USB cable is brand new, like still wrapped in the original packaging new, and I am going to just let all this go for $300? I am a fucking fool, and I was also letting the Apple Pencil go together with the iPad Pro.
Aside from the lower than average selling price, a bigger reason why I didn't want to sell it was because after holding the iPad Pro in my hands again, I just realize how much more comfortable it is to use compared to my 13" iPad Air, the iPad Pro, despite being the previous generation model, is also just a much better iPad in every sense, the camera is better, the screen is smoother, it's so much lighter and less clunky. The 13" is only viable if I wanted to use it as a laptop replacement, otherwise it is way too big.
I ended up rescinding my offer to Yan and Shawn and had to apologize to him. I told him I couldn't bear to let it go for $300 and that I was contemplating to use it as my main iPad again and retire my iPad Air. I also causally told him that our boss had offered to buy the iPad Air off from from me. His reaction looked fine when I told him about it, but a few minutes later, Yan messages me and informed me that she was aware I am no longer interested to sell the tablet to her anymore, assured me that it is fine if I plan to sell it to someone for a higher price, but that she is upset at my boss for counter-offering to buy the iPad from me.
I got a bit confused because it doesn't make sense for her to be upset that my boss offered to buy my iPad Air from me, that was until I realize Yan the completely misunderstood my reason for taking back the offer.
What Yan thought had happened ...
1. I offered Yan and Shawn my iPad Pro for $300
2. My boss counter-offered me for it.
3. I decided to sell it to my boss instead of Yan and Shawn.
What actually happened...
1. I offered Yan and Shawn my iPad Pro for $300
2. I decided I didn't want to sell it anymore for personal reasons.
3. I told my boss during lunch about the iPad Pro offer to Yan and Shawn and how I was planning to take back that offer because the selling price was too low and also because I might want to use it as my main iPad again.
4. My boss ask me about my current iPad Air and told me he can buy it off of me if I was planning to use my iPad Pro again. It wasn't an official offer, so we didn't really discuss a price.
Yan already has a bad impression of my boss after he terminated her last year, so I really didn't want to tarnish the image of him in her mind and had to quickly clarify the whole situation. I can sense that she was still a bit upset about it despite her telling me it was alright, and I could see from Shawn's expression during the company meeting that day that he was also not very happy about it, so I feel bad about the whole thing, but I know I myself would be feeling a lot worst if I actually sold them the iPad.
Anyways, I now have 2 iPads and have since returned to using the iPad Pro as my main iPad, the iPad Air has been retired back to it's original box along with the new Apple Pencil. It was definitely a mistake to have gotten the 13" back then, it was great when I first got it because the screen was so big, but it is such an inconvenient size to be carrying around, especially when I bring it for site visits and need to take notes on it. The bigger size also makes it feel like it's going to topple anytime when I prop it up to watch my shows, especially during my last flight to Taipei, but that might also just be an issue with the case.
To be using my 11" again just feels so much more natural to me, the size and weight is perfect, the partially damaged screen is a bit of an eyesore that I may consider replacing one day and I also think the battery has been slightly compromised by the water damage because it isn't really lasting as long as I think it should. If this 11" really dies again, I might consider just getting another 11" iPad instead of going back to the 13", so I am definitely thinking of selling the iPad Air away soon.
Random PopMart update...
I managed to snatch this ugly Labubu today during the TikTok Livestream on Friday. I really don't like the colour, but I am trying to start this tradition of collecting all these Limited Edition Labubu, just for the sake of it.
I did also try to snatch the big one because FOMO...
...but this one was way too difficult to grab, it was getting wiped out within seconds of getting released, that being said, I am happy I didn't manage to snatch it because I really have no space in my room for a large Labubu, and it's like $110, I don't need to be spending that kind of money on this.
I do however want to get a brown Zimomo...
Obviously it got wiped out almost immediately.
I also think I may be buying another full set of figurines from PopMart soon because recently, there has been leaks of a new SkullPanda series called The Mirage.
No photos, just the names of all the different figurines. It looks to be a set of 9 instead of the usual 12, I am hoping it is a set of figurines and not some random collection of candles or what not because the last time this leaker leaked the new Labubu series 2 weeks before it was officially announced on PopMart...
... they listed it as Labubu V.3, which I had thought would be a new line of plushie blind boxes, which got me really excited.
It was then revealed that this new collection will only have 2 Plushies, one is the Plushie Pendant, which I snagged on the Livestream, and the other is the larger one, which I am happy to have not been able to snatch, the other items that have the "King" "Queen" "Rook" "Bishop" "Knight" "Pawn" and "Bond" labels aren't plushies, they are....
Monday, 3 February 2025
CNY and Skincare stuff
CNY has come and gone, and with every passing year, celebrations like this just starts to feel less festive because our family no longer has the tradition of meeting up with the extended family anymore for our reunion dinner, it's the same for Christmas as well.
Now that my Sister and Brother are living on their own, it feels like a gathering of sorts, and we have a new addition to the family this year, my baby Nephew, the first and hopefully not the last of the next generation. Super adorable but I am a bit awkward around him because I don't really know what to do with babies, this will only get worst when he grows up so good luck to me ever becoming his favorite Uncle, I honestly think that honour will go my my Sister-in-Law's brother.
But anyways.
My CNY break is all the way until Tuesday, so I still have 1 more day off from work, I don't really want to go back to work, even though I have nothing to do at home.
I need to plan another trip soon! I am planning for a trip to Switzerland maybe in October but that is still way too long. Life is really boring now and I need something that I can look forward to in the immediate future! Maybe a short and quick trip to either Vietnam or Bali is in order for the month of April - May period because I also need to visit a different country, I get really self conscious about how others will view me if I keep visiting the same countries on my Instagram stories.
On to another random topic...
After my perfume and PopMart phase, I think I am now beginning to enter a new phase.
Skincare.
Reason being my appearance is now catching up with my actual age, especially in photographs, and my goal right now is to try and delay the eventual facial sag as much as possible. But to be honest, this skincare phase might not last as long as my Perfume and PopMart phase, just because it's a bit more complicated and getting the wrong type of skincare could potentially fuck my skin up, whereas getting a foul smelling perfume and ugly PopMart figurines will just fuck up my savings even more than it already has.
TikTok has been pushing a lot of skincare related videos to me in my FYP and I have been getting a lot of Medicube related ads and videos, which I am not sure if it is a viable brand because of how aggressive the marketing is, the company definitely paid a lot for their campaigns because those "reviews' of their product don't really feel like they are coming from genuine users of the products, it feels like the content creators that I come across were all paid to say those shit, especially when there is a "yellow basket" attached to the video for us viewers to buy the products they are showing.
Some of these content creators are really blatant with how bias they are, they will talk about how the product will give you "glass skin", which is essentially this plump and shiny skin that a lot of Koreans would like to achieve for their skin, proceed to apply the brand's serum all over their face, and then say...
"Look at how shiny my skin looks."
... ummm....no shit sherlock, you just slathered a ton of serum on your face, of course it's going to look shiny, you can also achieve the same result by dunking your face in a vet of vegetable oil.
That being said, I might give Medicube a try to see how if the product actually works because I do no need something for my day routine.
Talking about routine...
...I have been using the VT Reedle Shot from VT Cosmetics, which was viral in Korea last year, for my nightly routine and I felt a bit more open to trying it because it was getting wiped out from the stores in Korea during it's viral period, which meant the Koreans were actually using it, but then again, I got all this information from TikTok so it might have just been another marketing campaign.
It works as an exfoliator, so I am hoping it can help exfoliate my textured skin, which is really bad, especially under natural lighting.
I have been using the product for about a week now and initially, I would wake up with my skin looking really smooth, but then after a while, I wasn't sure if it was because of the product or just a result of morning puffiness, day to day however, I honestly can't see much difference, my skin texture is still pretty bad. I have also bought the Collagen Mask as a package deal...
...applied that mask daily for like 4 days straight when I first got it because it claimed to be a daily mask and the whole point of putting on the mask is to introduce collagen into my skin, came across a video online from a dermatologist who shared that collagen cannot actually penetrate your skin because the cells are quite large, and the only way to properly introduce collagen into your body is through either oral consumption, which I have checked online and are NOT cheap, or the collagen has to be hydrolyzed collagen, which is essentially collagen that has been broken down into smaller fragments so it can penetrate the skin, but apparently when it gets broken down, it just isn't as effective anymore, so there is that. Collagen facial products aren't really all that useful and my face mask is really just a glorified moisturizer.
One thing I didn't really disliked about the mask is how it leaves my face feeling really tacky after I was done with it, I thought that is the "moisturizing" part, but it doesn't seem to absorb into the skin, so it gets really uncomfortable, especially because it is a night time routine and I have to sleep with that sticky sensation on my face after.
Come to learn later I was suppose to tap and press all the serum that is on my face into my face after I peel off the mask in order to help it absorb into my skin, my face did feel less tacky after that, but I am not sure if it is because my skin actually absorbed it or if I had just removed all the serum from all that tapping and rubbing, I then apply moisturizer over it to "lock in" all the serum goodness that my skin has absorb and my face just becomes really sticky all over again.
The mask and moisturizer after combo feels really gross, so I might actually stop masking because I have since gotten 2 blind pimple, which I think is a result of applying the collagen mask.
I really should have stopped using it when the blind pimples started appearing, but I had assumed it was just my body detoxifying itself with the new products I am slapping on my face, well, the fact that the blind pimple got redder after masking should have been a very obvious indicator that it was doing the opposite of detoxifying.
I actually had trouble getting a proper sleep after doing the mask + moisturizer routine last night because of how oily and tacky my face felt, so I kept tossing and turning in bed last night, and when I finally feel asleep, I was awoken again all of a sudden, and this is not skin care related anymore, but I was suddenly awoken with random Malay voices in my room.
As someone who doesn't speak Malay, I had no idea what the voices were saying, but I kept hearing the words "Mati" a lot, which means "die" in Malay, so I got up because these voices were loud, I checked my phone and it was 3am, 3am is also known as the witching hour, that is the timing when paranormal activity is at it's peak according to folkore, so I was freaking the fuck out. It also doesn't help that I had recently mounted a mirror on the wall that faces my bed, which isn't really good feng shui so that was just adding on to the paranoia.
The mirror is shit, got it from Shopee, it arrived with the sides broken and the reflection is warped, but I am too lazy to return to so I just kept it and gave the store a 1 star review. It still works, it's just not great at doing it's job.
Anyways, I really couldn't ignore the voices because they were really clear, I could hear my Dad coming out from his room to use the toilet outside, so that gave me the courage to also get up to find out where the sound was coming from, if anything happens, at least I can scream out loud and my Dad will be able to come in to do whatever he can do.
So I could tell the voices were originating from my study table, and as I walked over, I realized it was coming from my iPad, as I was fiddling through the tablet, I really didn't know which app was causing the sound because there wasn't any apps that were running in the foreground. At one point, I thought the Malay voices were mocking me because I couldn't turn it off, it was fucking freaky.
I fiddled around for a bit and finally realize it was my TikTok app, the fucking app auto connected me to a random Livesteam of a group of Malay streamers playing some FPS game, and the Livestream wasn't even on the front page when I opened the app, it was playing in the background of the app, which was why I couldn't find the source of the sound in the beginning.
So the stream was playing in the background of the app and the app was playing in the background of my iPad.
It was playing in the background of the background.... at 3AM IN THE FUCKING MORNING!
What the actual fuck TikTok?
I was so paranoid after that I had to turn of my side table lamp and couldn't fall asleep until an hour later.
Stupid app.
I had actually watched the TikTok Livestream before going to bed and when it ended, I guess I didn't actually properly exit the app, so it just stayed on the "Livestream has ended" page in the background until it decided to reconnect itself to a another random Livestream, the only thing I don't get is why they would reconnect to another Livestream a whole 7 hours later, and reconnect while my iPad is in sleep mode.
The whole thing doesn't make sense, but I will be making sure to fully close the app on my iPad before I sleep tonight... I will also not be putting on the facemask anymore.