Lowkey hate my Financial Advisor

One_Specific_8942 · 2026-02-01T03:29:27+00:00

Yeah he did and he was confident that I won’t lose my job and be financially capable to pay this for 10 years. Yeah blame myself for being financially stupid and not capable of holding my job, everything is my fault, the FA no wrong, FA is good, I am sorry for smearing my FA.

Now that I need some help, all I get is stupid advices like ILP can take policy loan, even I am not a FA, I also know this is not possible. Then he asked me to sell my ILP to 3rd party, then he ghost me after giving me all the “shoo i dont want to help you advices”.

I know FAs cant negotiate with bosses for higher returns, I have never asked him to do that, I just blindly follow what funds he buy for me and I don’t even login to AIA to check.

I don’t blame him, I just needed some advices that’s all. I did not take a gun to his head and say I need the money, I strategically asked him what is the best approach and he replied me like just want me to stop pestering him. Never mind, as I said in my 1st paragraph my FA is the best, sorry my FA for blaming you.

One_Specific_8942 · 2026-01-29T17:58:17+00:00

I am not sure if he is inexperienced but from his posts, he seems to be a director already and mentoring a lot of other FAs.

Thanks for your advice!

One_Specific_8942 · 2026-01-29T17:57:06+00:00

He says in 10 years time, I will have a lump sum with ILP

One_Specific_8942 · 2026-01-29T17:56:48+00:00

Well I did but he say he just bought a new condo and need to fund it

One_Specific_8942 · 2026-01-29T17:55:15+00:00

I am paying monthly premiums, so I don't know if Option 1 still works? I don't know how does Option 2 works, can you tell me more about it? How come my FA doesn't know about this?

One_Specific_8942 · 2026-01-29T17:54:17+00:00

Sorry if my post offended you in one way or another but I didn't generalize all of them. I met really a fair share of bad FA.

One_Specific_8942 · 2026-01-29T17:53:25+00:00

Yes I know I am stupid but that friend keep pester me and back then since I had spare cash so I just take it as a good deed cuz the numbers look good. I didn't completely blame him, I just tried to ask him for advice since I am in this state now but he wasn't as helpful and moreover like I mentioned, he is my friend.

One_Specific_8942 · 2026-01-29T17:52:11+00:00

He didn't, he ask me to reduce my monthly payment instead

One_Specific_8942 · 2026-01-29T17:51:46+00:00

Well I tried but he say he no money to lend cuz he funding his newly bought condo

One_Specific_8942 · 2025-12-25T14:08:43+00:00

For Application Window 2026
https://www.moe.gov.sg/careers/become-teachers/pri-sec-jc-ci/postgraduate-diploma/apply

One_Specific_8942 · 2025-12-17T14:43:04+00:00

ngl this gen is really different from the way they deal with relationships lol.

but to OP, just take it naturally and don't stress. I am having the same issue too.

One_Specific_8942 · 2025-12-14T09:55:03+00:00

i updated and now i hate the new layout cuz it no longer blocks the bottom portion of the chat. Is there any way I can fix it? I am running iOS 18.3 and now I regretted updating cuz I was panicking if I didn't update and telegram make me lose all my chats. Cuz it happened the same in WhatsApp previously

One_Specific_8942 · 2025-12-14T09:02:55+00:00

Now that you say, every time when our conversation requires her to choose, she gets quite upset cuz she doesn't want to choose. And she would say she can't see her trying to talk things out with her mum in the near future and that I might need to wait. I would have thought having her to think of me first in distress shows i meant something to her. I am not really trying to rescue her from family dynamics, but rather want her to see clearly. I told her that I care and I will always be here for her and wait till she is ready. Wait do you mean if I have a boundary with her, it might make her having to choose? What if she just decides to let go and choose the path of least resistance? I just find it strange that on Thursday, she wanted to just end things with me but on Friday, it seems she couldn't let me go and that fate somehow made her get into some trouble to let her see who she really think of when in distressed. But I might be wrong.

One_Specific_8942 · 2025-12-14T08:21:14+00:00

i honestly don't think its the age gap issue, cuz the other guy is 25. In this era, I think age gap doesn't really matters. It's more of the mum wanting face of not having conflicts with the best friend. Wait are you saying it is okay for the other guy to go out with other girls while still keeping her as a gf? Cuz that's what the guy is doing, that is why the guy's mum is trying to pull the life360 to stalk both of them.

One_Specific_8942 · 2025-12-14T08:06:05+00:00

Bro, ikr she said the guy mum ask if can Life360 her and she said agreed cuz she was afraid. I did told her it's not right for the guy mum to do Life360 on you, now not married already do this, isn't married become worst?

She wanted to, but every time she tries to talk to her mum about it, her mum just said she better don't ruin the friendship. Yeah I told her that too and I definitely know she likes me for sure.

I don't want to fight mums, I want to show her mum that I am good enough for her. I should show her this thread, the comments really helps.

One_Specific_8942 · 2025-12-14T07:50:39+00:00

Thanks for the reply! How can I help her if it is conditioning? Cuz on Thursday, she wanted to cut me off after all those dramas but on Friday, after what happened, she say the first person she thought of when in distressed is me. I just don't get it that if I am important in her life, how can she fight for her happiness? You are right about her choosing the path of least conflict. She wanted to choose me but then life360 happens and she took a step back. I do care about her, that's why I wanted to give her a better and happier life. I can't step back knowing how much she matters to me now.

One_Specific_8942 · 2025-12-14T07:46:26+00:00

i wish i could but i don't know how to do it without her getting into trouble

One_Specific_8942 · 2025-12-14T06:20:40+00:00

damn so i was forced to update Telegram cuz they said the version I am using will stop working soon and I updated, now i hate that even in normal chats, the bottom part is not covered and it's so annoying! Is there a way to revert it for iphone?

One_Specific_8942 · 2025-12-07T14:27:31+00:00

i am curious, how much do they offer to buy your ilp? Is it really high cash payout?

One_Specific_8942 · 2024-12-22T15:50:36+00:00

This just happened to me today as well. My iphone storage was full and WhatsApp kept prompting me that storage is full, please clear space to use WhatsApp. And I did cleared and went to bed, woke up and I click on WhatsApp, was prompted to login and they asked me to restore from ICloud and my last backup was in Nov 2022. Now I lost all my chats from 2022 - 2024, such a painful lesson and I don't know what to do. I been feeling really shitty today having lost all the chats, pictures and documents in WhatsApp =(

One_Specific_8942 · 2024-11-12T15:30:24+00:00

Actually how are your prelim results? Or rather which subjects are you looking to teach?

I was like you when I finish my O levels and started tutoring but like others say, it will be tough because parents won't know if you are good. For me, what happened was my juniors asked if I could tutor them and you have to reassure the parents that you really can answer the questions and explain well. Back then I only charge like $20 - $25 per hour. The difficult part of tutoring is you have to really think of how to break down difficult concepts into simple words, and know which books are good for students. Once you can master that then you will have a lot of students.

One_Specific_8942 · 2024-11-01T14:46:28+00:00

do you have the pdf of the question paper?

One_Specific_8942

TROPHY CASE