Public erection

I was on the way to meet Mr Skanky, the Wild Sarawakian and 2 other friends when I saw this:

Kinky public sign

What?? In public?!

Google gone nuts?

Tried assessing my blog and this was what I got:


Google
 Error

We're sorry...

... but your query looks similar to automated requests from a computer virus or spyware application. To protect our users, we can't process your request right now.
We'll restore your access as quickly as possible, so try again soon. In the meantime, if you suspect that your computer or network has been infected, you might want to run a virus checker or spyware remover to make sure that your systems are free of viruses and other spurious software.
If you're continually receiving this error, you may be able to resolve the problem by deleting your Google cookie and revisiting Google. For browser-specific instructions, please consult your browser's online support center.
If your entire network is affected, more information is available in the Google Web Search Help Center.
We apologize for the inconvenience, and hope we'll see you again on Google.

What's going on??? I can access my dashboard via www.blogger.com just fine but not my own blog. I've tried deleting cache, restarted my laptop, scanned for spyware and currently scanning for virus. This is crazy.

Update: It's all ok now after I used my antivirus to scan and purge some stuff. Not sure it's fine simply on its own or due to the antivirus. *Shrug*

Be warned as it's yet another...

...rant from me lol. Ok, not totally but most of it :-)

So big boss was here for a week. Now, I do agree with some people, who know her personally, that she's a nice lady but in my opinion that doesn't mean she's a good big boss. I know my boss and she discussed staffing issue but I've yet to check with him the status. I've set my own internal deadline of October this year to get 2 more staff. We'll see.

It's so stressful at work. Struggled with inept clients, struggled with colleagues from other departments, struggled with red tapes, struggled with bewildering request from government officers, struggled to fulfill obligations especially to nice and good people. Also struggled to get decent amount of studying done but well, that's partly my own doing I supposed.

On the bright side, I still continue to have good clients and colleagues, within and outside the department and for that, I'm really grateful. Which is more so why I have to try my best to help them as much as possible.

I've also recently joined a gym club and have attended power yoga, pilate (tone), hatta yoga, vinyasa flow and pilate (core). So far, I like pilate (tone) and vinyasa flow the most. May try other type of yoga classes and the cycling classes.

So tempted to go on no-pay leave in April. Should I?

Adventure of the Wild Sarawakian Eps 1

Flexi-fingers

"Don't take it personally"

JOE: I put you out of business. You're entitled to hate me.

KATHLEEN: I don't hate you ...

JOE: But you'll never forgive me. Like Elizabeth.

KATHLEEN: Who?

JOE: Elizabeth Bennet in Pride and Prejudice. She was too proud ...

KATHLEEN: I thought you hated Pride and Prejudice.

JOE: ... or was she too prejudiced and Mr. Darcy too proud? I can never remember. It wasn't personal ...

KATHLEEN: ...it was business. What is that supposed to mean? I am so sick of that. All it means is it's not personal to you, but it's personal to me, it's personal to a lot of people. *Shrugs helplessly* What's wrong with personal anyway?

JOE: Nothing.

KATHLEEN: I mean, whatever else anything is, it ought to begin by being personal.

- from the movie "You've Got Mail" 1998, starring Tom Hanks (Joe) and Meg Ryan (Katheleen)

Sweet or...

...deranged?

Flowers on car

Scam

A friend of mine was scammed off S$30 due to his kind heart. Someone approached him saying that he has lost his wallet and gave what appear to be valid reasons as to why he needed that amount of money to get home etc. The scammer promised to give it back. Now, my friend didn't think too far but instead just lend him the money and gave him his phone number. That was like more than a month ago. Lesson learned. However, I came across a good quote about such scam (don't know who said this):

"If you lend someone $20 and never see that person again,It was probably worth it."

So true.

Hospitalisation & Surgical

Continuing from previous post:

Firstly, many people believed that they don't need this because "My company covers". Yes but are you married to your company? Will your company take care of you for life? Will you stay with the company forever? No, right?

"Chey, it's ok what. I'll get it after I retire lor. No big deal". It's a huge deal! By the time you retire, how sure you are that you have not experienced high blood pressure, diabetes, gastritis, been hospitalised for whatever reason, etc. Besides the pain of disclosing all these in your proposal (trust me, it's really frustrating), your premium may skyrocket with loadings. At worse, you may be denied insurance.

Also, how about when you're in between jobs? There's no coverage, right?

In addition, generally private companies, even the MNCs, provide reimbursement up to a certain limit only and often than not it is based on the lowest ward at a government hospital. "It's ok. I'll go to government hospital". Consider situations where you want to be treated as soon as possible because you cannot take it any more or you have other pressing matters to attend to. Then government hospitals are not ideal because their waiting time is generally longer than private hospitals. This happened to a colleague who procrastinated in getting a H&S insurance. She wanted a particular doctor to treat her but that doctor is at a private hospital. So, if I'm not mistaken, she had to foot out the bill above what the limit of which our company reimbursed her.

"Aiyoh, what are the chances of me getting hospitalised?" Boy, you have no idea how many times I heard this and yet time after time, they've been proven wrong and when that happens, it's too late. For example, I've a friend, in his 20s, who only after he broke his back (or something like that lah) and needed operation decided he needed H&S. This comes from a person who works at an insurance office. He also then urged his wife to get one too. Luckily his wife has not been hospitalised before and that she's in good health.

Please take note of the following when getting a H&S insurance:
(i) The annual and lifetime limit. The larger it is, the better.
(ii) Last age of coverage. The longer it is, the better.
(iii) Coverage. The higher portion of the bill it pays, the better.
(iv) Cashless system is better than reimbursement system.
(v) Good to have coverage for pre and post hospitalisation claims. Also, ad hoc coverage like chemotheraphy, renal dialysis etc is good to have.

Please be careful to only get such insurance from life insurance companies and not general insurance companies. Typically H&S insurance from the former are guaranteed renewable (although premiums are typically not guaranteed) i.e. they cannot cancel the policy (unless you've mislead them by not disclosing honestly all the relevant facts in the form), whereas the policies from the latter is yearly renewable i.e. at the end of each policy year, they can decide not to renew the policy. Naturally, usually H&S insurance from general insurance company is cheaper but it is not worth the risk of cancellation to go for it.

Strucked suddenly

Couple

These belong to a couple I know. Not sure whether they still remember they have these. Not even sure whether they'll ever use them again at the same time in future. How can a couple who have been together for decades, been through much hardship (not only financially) and found a few years of golden happiness but only to start fracturing now? It's so sad.

Key Life Insurance Needs 101


Life Insurance Articles, originally uploaded by prov1112004.
Bah. Gastric yet again in the middle of the night. Been going on for past week or so already. I better see the doctor again for medication.

Anyway, I've been thinking of writing a brief guide, especially for family and friends, on how to determine what life insurance you need and its relative priority between different coverage. The best person you should ask would be an independent financial advisor (not agents who are tied to only an insurance company) who is competent and truly have your interest at heart...which I admit is very difficult to find. The next best thing is to educate yourself and DIY.

The type of coverage everyone should consider are as follows:
(1) Hospitalisation & Surgical ("H&S")
(2) Disability Income ("DI")
(3) Critical Illness ("CI")
(4) Total and Permanent Disability ("TPD")
(5) Death
(6) Partial Disability

The key to determining whether you need it or not is to ask yourself this: should anything to happen to you (death, disablement, hospitalisation etc), will be any loved ones who suffers great financial difficulties because of that? If yes, then you need it.

So for those of you who do not have anyone financially dependent on you, then you do not need death coverage.

Only exception is that you're expecting some people to depend on you financially in future (easiest example is children). In this case, you need to determine whether your risk profile is such that if you wait till you have those dependents in future and then only you try to get death coverage but you're either denied (unlikely) or the premium you need to be is loaded (possible) due to your risk profile, then you may want to consider getting it now. Personally, it's too much hassle to think that way and so simpler to consider the situation now but you have to bear in mind the risk you're taking here of course.

Think I better get back to bed. I'll talk about each of the above coverage in subsequent posts, especially touching on common perceptions.

Someone else's perspective

Wet floor

Llyod: *Laughed hysterically*
Me: *???* You ok? What's so funny?
Llyod: Look at the sign lah.
Me: So? Wet floor lor. Good what, warn people mah.
Llyod: It's so wet that the sign need to be tied
Me: *???* Huh? So?
Llyod: So it won't slip and fall mah *burst into another fit of laughter*
Me: *Laughed*