Category Archives: Life Lessons

Days be Wastin.

WHY!? Why is it always easier to drop everything and play 12 hours of computer games.

But completely the opposite when it applies to studying. ESPECIALLY WHEN THE EXAMS ARE APPROACHING. Oh my gardzzz. Someone give me the formula to success man. Anyone?

The weather is super bad these days. Just so bad. Heavy Thunderstorms and Heat Waves of excruciating Sun tag team to make my ass sweat indoors doing nothing. I took a completely long COLD shower today. Normally I’ll just stand and enjoy scorching hot water for like 15mins till the hot water runs out. But today, it was so hot. I did that with cold water. Not even 5mins after. I felt sweat materializing. That’s how insane it is, super humid, super hot, barely any wind. When there’s wind, you can’t enjoy it. Unless you want rain everywhere.

That’s Singapore. You’ve been warned. Don’t come here. Lol.

#1 to revision success. For me that is. Changed my room light from warm yellow to daylight bulbs. Why? Because in the day I ain’t gonna be up. I’m literally a vampire. I don’t mean like I watch The Originals and The Vampire Diaries etc etc. So I’m a freak that drinks blood and shit. No. Yes I am a huge fan of those shows because they have a whole bunch of beautiful people. Okay I’m sidetracking. I just don’t really like the Sun in general. It makes me sweat, makes me get burnt. I prefer the cold to the heat. Also I feel Sunlight is more annoying to the eyes. Lol. Like it’s the angles man. Making you squint and all. No thank you. Wrinkles be gone! I prefer the night, when things are quiet. Everyone seems to be asleep, and I’m up in the quiet. In my room where it’s nice and cool with the air-conditioning pumped up with my Daylight bulbs.

They make you feel more alert is all. Yellow light just makes everything sleepy. So if you’d like to get studying in your room where the air-conditioning is, rather than in the living room and sweat your ass off. This is the way to go. For sure.

#2 No matter how little you do. A little goes a long way. I’m the kind of person that says. I’m gonna complete the whole 10 chapters in one night kinda person. But I’ll procrastinate like. OH MY GOD TEN FREAKING CHAPTERS. I feel like I set myself up for failure. So what I think is more productive is to just pick up the book and go as much as you can. Then go to bed or do whatever you want. I know people says it’s good to have goals, but if the goals make you shun what you have to do till it’s too late. I rather just take a step at a time. Comparatively I most probably wouldn’t have done those ten chapters, but just by gradually anytime of the day, pick up the text book, have a read. I cover more ground then I would have.

We’ll see how this goes.

Till next time!

Advertisements
Tagged , , , , , , , , , ,

Peeling Stages

So right now, my damaged skin has pretty much been peeled off.

Funny story. I had an interview yesterday. So I really didn’t want to go in for an interview with my dead dark skin all over my face. It looked really dirty. More of a homeless lack of skincare look rather than a “The Sun Kissed me to hard look”. So I took a long… long… shower. Same idea as you would when you take a bath. The skin softens in gentle circular motions. Slowly get rid of it.

I would say this is a quick way to peel of your skin. But if not all the skin is ready. You’re gonna have blotches of dark skin in rando places of your face. Mostly I find the nose takes a really long time to heal as well as the upper lip.. My upper lip was one of the first to blister, but till now there are still bits of dead skin that have yet to release their grip on me. Under no circumstances should you force it, or you’ll be left with a perpetual stinging for at least an hour or two. Just like what I’m having now.

Oh by the way. Don’t use facial wash. Those usually tend to have the function of getting rid of oils & dirt. What you need right is them oils to re-moisturize your skin. If you use facial wash you’d find your face peeling unnecessarily and also would become quite painful when it’s all dried out. Then you must be thinking. Then my face would be so dirty?! What am I to do?! Well for me, I just use a little bit of lathered up shower gel. At least it gets the job done. Also there’s no point buying facial wash for sun burnt skin when you’re only going to have it for max a week right. Plus according to my mother, I only trust her source on this as she has a clear flawless face at the age of 50. She says, water is still the best way to wash your face. All kinds of face wash etc etc are gimmicks. I wish I listened years ago. I find that after I started, my face got oilier, I’m more reliant on these products to control my outbreaks etc. Same thing with shaving my legs. Thought it was so grown up of me.  My mom is also hairless in the leg department. I barely had any hair to be honest. But the “grown up” in me instigated this vicious cycle. I felt like after that first shave, the hair grew back thicker.. Faster… & that’s one thing I can never turn back. So if you happen to be prepubescent reading this post. HEED MY ADVICE, DON’T DO ANYTHING UNNECESSARILY.

MRW my skin started to peel after a sunburn - Imgur

So yeah, back to the interview. Lol. I was going for a position at a aesthetic clinic. So they obviously did stuff like Botox… Laser.. All kinds of thing to make your skin beautiful. So here I was. With my burnt ass skin, entering to speak to the doctor.

Why would I do that?!

Competition is high for nice jobs like these that actually pay decently. So expect them to be snagged up real quick. So I kinda had no choice did I. Had I waited for my skin to heal up back to normalcy someone could have already filled the position.

So the Doc was like.. Do you have some kind of Eczema or something. I was like uhhhhh. No Sir.. I just have a really bad Sunburn from fishing on Monday. Funny thing was he actually only felt comfortable to bring it up after like we were half way through the conversation!

ASARUMEUROPAEUMlaughing

But really sweet doctor though. I’ve had one interview with a semi-condescending one. It was kind of insulting. Yes you are a MD. But doesn’t mean make you a better person than I. Definitely lacking in EQ for sure. Like dude. Don’t talk to me like I’m a freaking child that’s never been in the work force in my life. I’m freaking 24. I’ve worked since I was 17, and I have dealt with jackasses like you ever on a daily basis.

Sometimes I feel like just because your IQ is high, doesn’t warrant being a nasty snotty person. After all if illness became a rare thing of the past, people would start to nitpick which doctors to go to wouldn’t they. They definitely won’t be visiting you again. So I really appreciated this doctor, he offered me a position later that day. Oddly in the hiring ad he even put his own number. Not his nurse, not his receptionist. His own number. He was very nice and the interview was more to get to know me to see if I was a good fit, rather than to talk down to me like.. You should do this, you know you shouldn’t do that blah blah..

Another thing, maybe slightly off topic. Do you think that interviewers asking interviewees questions like Do you Smoke? Do you have any Tattoos? are relevant?

Like unless you’re working in a day care with little kids. I don’t really see the purpose in it. Like firstly, smoking doesn’t in any way affect quality of work. Yes, it affects the individuals health and all. But doesn’t affect the work. Tattoos… If you can’t see them with what I’m wearing now, what does it matter?

Similarly have you guys heard in China? They actually ask things like what is your birth sign… Zodiac.. Etc. To see if you’d clash with people or not. It’s like another way to discriminate people or ostracize them. When all these things actually don’t affect quality of work. WORLD. It’s 2016. We’re evolving. Tattoos are acceptable, piercings are acceptable, homosexuality is tolerated and racism is working towards being a thing of the past. Things are changing, people are changing, but why are some people still trying to find ways to reject others. I always find that it is important to be impartial. Even in the F&B line. You can have all kinds of body art and modifications. But you must look presentable, and you must have proper etiquette and mannerism. YES. You can look presentable and un-hooligan-like with tattoos and piercings. It’s all about how you carry yourself. If you behave like one, you will be treated like one. I would never reject someone because of things that are none of my business. Like who they lie in bed with, their ink choices their hair decisions etc. As long as they carry themselves well and are able to the job that I need them to, I don’t care.

 

What do you think?

Tagged , , , , , , , , , , , ,

#Lesson 1 in Life

Read  up on your Insurance policy. The terms and conditions as well as the fine print. It’s actually very very important.

Yes. This Life Lesson is on:

INSURANCE

#1 Your insurance doesn’t care about you. They care about taking your money, and hoping nothing bad happens to you. That is the only way you’ll get money out of them.

#2 When they sold you the policy. They only cared for highlighting the best points that suck you in. & just like Apple (MacBook, Ipad) terms & conditions. Almost no one reads the tiny words and scrolling through the T&Cs.

#3 If something bad happens with your policy, they’re authorities in the respective countries to contact if something like this happens.

MjAxMy1jZjkxMzUxMDY3ZWYxMTQ5

Some of you may say, No… My Insurance does care about me. I’m a agent, or my friend is my agent. That may be so. But what I mean is the organization. Not the person. So don’t get offended. YET. Lol. I may be insulting your company.

We encountered this issue with Great Eastern who will be referred to as GE.

Story Time in Bullet Point for Efficient Transfer:

  1. Received a Bill. It was a premium payment notice. This time my mother noticed a interest accrued. FYI. This premium payment is done once a year.
  2. The problem is, my mom missed a few payments in between. She had this policy since the 90s. In the early 00s when she worked overseas, she overlooked these payments. As normally she makes payment via cheque. Somehow we didn’t receive the statements for payment etc. Completely due to oversight, not due to inability to pay. So once she failed to make payment after 30 days GE began charging APL (Automated Premium Loan) & Interest.
  3. What is APL you ask? The proper definition: Automatic premium loan. An optional provision in life insurance that authorizes the insurer to pay from the cash value any premium due at the end of the grace period. This provision is useful in preventing inadvertent lapse of the policy.Its when your policy has some value in it. The moment you miss a payment, 30 days later. They will charge to APL. For instance if your Insurance Policy has a value of 50k. Your premium is 2k, they will use what value you have in your policy to pay for your policy and continue your policy. By the way. This includes a 6% interest per annum calculated daily. (Remember this point, I’m going to come back to it) So lets say you missed 10 years of payments. Something unfortunately happens to you. You would’ve gotten 100k, but due to missed payments and interests accrued, you’ll only get a payout of 70k. These are all hypothetical figures. Just to get the understanding there.
  4. Called GE, not reachable late 2015. My mother had to return overseas for work. So she left the Insurance agent an e-mail and exchanged quite a few till Feb 2016. The whole e-mailing back and forth was just a tedious unfruitful thing. “Can you help me?” “No, I can’t do shit” was the gist of it. Whilst all this was happening in an attempt to find out what was going on. Interest was hiking up day by day.
  5. Got a meeting with the Customer Service. Another waste of time. The guy was completely incapable and unsympathetic. He showed us papers etc, this and that. Like you signed this policy, it has this mentioned. We send three notices per year, how could you not notice. Another point to note, ALL NOTICES ARE SENT AUTOMATICALLY. The computer does this job not the human. Asked his boss, came back, :”We can only offset 100 dollars from the bill out of goodwill.” But you still gotta pay a few thousand dollars worth of interests. Side note. WTF. If you can offset to begin with, at least make a dent. It’s like laughing at you rather than helping you. Plus 100 dollars doesn’t even cover interest accrued from late 2015- Feb 2016. Where we tried to resolve issue, but was unable to due to GE’s own limitations.
  6. We weren’t asking for a discount or anything. My mother was ready to pay all premiums missed. But she just didn’t want to pay the exorbitant amounts of interest. Some at this point may say: :Dumb Bitch, had you paid there would not be an issue, don’t turn around and blame your insurance company.” True. True. But as I say, this was completely an oversight on my mothers part, WHY DID NO ONE BOTHER TO MAKE CONTACT? She paid consistently for almost 10 years, went AWOL for 4 or 5 years, then started paying again! This is for life insurance btw. SO WHAT IF SHE WAS DEAD? NO ONE BOTHERED TO CHECK? Isn’t there something fishy. So we asked the CSA (Customer Service Agent), why did no one bother to call her, I mean, letters get lost in the mail, misplaced, overlooked. So many things. His response, “Oh, this is the Agents responsibility to contact the customer.” Agent responded:”I’m not the one that made you sign the policy, I took over from someone else that has left the company. So I’m not aware either.” CSA:”The computer will automatically send notices to the Agent to notify if a client has not paid etc.” Agent:”I’ve received no such thing.” Once again, the computers are working harder than the humans.
  7. So I asked the Agent one simple question. If a first year policy holder stops paying will you make contact with them. Agent:” Of course, they don’t have enough value in their policy yet, can’t use APL.” SO ONLY IF THEY CAN’T SQUEEZE MONEY OUT OF YOU. THEN THEY WILL CONTACT YOU. Another thing she said was in the past the practice amount Insurance agents was that they’d tell their clients to default on their premium payments after a period of time. According to her, you still get bonuses for and your insurance value was able to sustain itself. So at first she was saying, I didn’t know you wanted it by the book, it was common practice in the past. DON’T ASSUME. PICK UP A DAMN PHONE & CONTACT YOUR CLIENT. How bout that? Either way she denied receiving any notice about my mothers missed payments and CSA was insisting the computer would’ve automatically sent her a notice. All in all just sounded like a blame game and failed communication between the departments.
  8. Why we expect a call? I mean you’re going to start taking money out of my premium allegedly to pay for what I failed to pay for. As a service provider, shouldn’t GE have the decency to at least notify me that this APL was in effect? Rather than sneak by, and start charging interest. My mother who didn’t know what APL was at the time. When she saw the statements, it was just one sentence at the bottom that said      APL: $…… So not knowing what it was she didn’t think anything of it. It didn’t indicate any interests or anything. She just saw premium amount to be paid. So she paid it.
  9. Conclusion did we get what we want. No we didn’t. Not yet anyway. So we’re filing complaints with the respective authorities that may be able to provide some assistance.

Reading this, it may sound all so stupid. Had you been more careful. Had you been more mindful. Etc etc. True. But sometimes in our busy lives, things get overlooked. A lot of time, we only learn from dropping into the pool of shit. But imagine if you purchased a policy for over 20 years, how could they expect you to remember every term and condition stated. As a customer of GE, I would’ve expected some Customer Service. Keyword SERVICE. But the only Service I’ve constantly received from them, is them asking for my money. That was that. After all it is their job to remember whats in the policies and look after their clients is it not?

Why you’re fucked if you’re not mindful? Well. Because you can’t pull out of a life insurance plan. In certain cases you may, but expect to not make a penny out of it. That’s for sure. So helping you is not entirely their priority. Helping you doesn’t make them more money. Helping you doesn’t get you to pay crazy loanshark like interest rates. So what do you think they’ll do? Help you? Go figure.

Anyway anyway. Yes, this is a rant, yes I’m blaming GE for 99% of all this crap. Because I’m human. Yes. I acknowledge the fact my mother made a booboo.

What was the point of all this?

For you guys to be mindful and learn from my mothers mistakes. Don’t fall into a situation that you’d have to be in a position like us. Of course now we’re fighting it, and we may win or lose this battle. But guys. Best not to even be in the battle. It’s time consuming, its infuriating and most of all it’s exhausting. So if you have any insurance policies or anything like that, give it a look see, make sure you know what you’re in. Make sure you’re premiums are paid. List out all of them, and ensure that they’re paid when they’re due. If you don’t receive a statement when you normally do, you gotta call. They didn’t forget you. They hope you forgot about them though. Lol.

Till next time. I’ll update if anything happens with this.

 

Tagged , , , , , , , , , , ,