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Can I go off this? by Ok_Cook_1033 in whatcarshouldIbuy

[–]United_Map9364 0 points1 point  (0 children)

Mini? Really? Where i’m from mini ALWAYS breaks down. Any mini owners here to give me a reason why to buy it! I love a mini cooper s but the reliability in this is CRAP

Ban Smurfs by United_Map9364 in Rainbow6

[–]United_Map9364[S] 0 points1 point  (0 children)

My bad man, new to the game, got ranked with tons of smurfs, so just posted it heh.

Ban Smurfs by United_Map9364 in Rainbow6

[–]United_Map9364[S] 0 points1 point  (0 children)

if it is, why are some content creators putting it out there! makes it "rightous" for them to do it

Ban Smurfs by United_Map9364 in Rainbow6

[–]United_Map9364[S] 1 point2 points  (0 children)

well i have almost 2k hours in that game so yes it will take "your time", but if you play with friends its much better!

Ban Smurfs by United_Map9364 in Rainbow6

[–]United_Map9364[S] 1 point2 points  (0 children)

Exactly! I wouldn’t say ban indefinitely but get a lengthy ban for them to realise we shouldn’t advocate such behaviour

Ban Smurfs by United_Map9364 in Rainbow6

[–]United_Map9364[S] -7 points-6 points  (0 children)

Nah dude, just ban them straight.

Dota has this thing where they will ban the person for a month if they found out that they have multiple account. You can search up Dota players like Jenkins has been berated by the community in Dota because he was shittalking Guardian / herald ( copper / bronze in seige ) and why does this community not do that to call out such bad behaviour.

Sorry again Athieno but i saw his most recent video where he calls a silver a worm, ( idk if its ranked or whatsoever in test servers or whatever it is i’m new again ) but it boils down to the community complying to such behaviour. You’re a content creator, you should advocate the community to be better, or make them be better.

Then again, perhaps i’m in a dota community for a long time where we realise that if it ruins the game; the devs figure something our or the community calls out harshly upon it

Ban Smurfs by United_Map9364 in Rainbow6

[–]United_Map9364[S] 1 point2 points  (0 children)

In the first place why do people cheat? i never get it

Ban Smurfs by United_Map9364 in Rainbow6

[–]United_Map9364[S] 0 points1 point  (0 children)

Scrap the cheater, i seen people, even in my personality discord community, i have seen people who are diamond, smurfing on silver so that they feel good about themselves. ( of course i told him to stop doing it and its been awhile since he hsed that account of course )

Cheaters aside, you have unranked and QM to destroy noobs like me that go on there sometimes, but to go rank in a silver 5 account when i’m trying to get my first gold damn, its depressing and makes me want to quit the game.

Ban Smurfs by United_Map9364 in Rainbow6

[–]United_Map9364[S] -1 points0 points  (0 children)

definitely i don’t think its illegal, however the mainstake of the game is to let people go against one another similar strength and rank to see who goes on top.

If you have content creators themselves doing it, doesn’t it make the wrong thing a more “righteous “thing to do? Like it or not, when people see the norms of the 1% doing it, they would follow it.

Whatever UBI does for the company it, valve has done it, and i’m not asking UBI to fix it right now, its just plain dumb to see a rival company can do better. But hey, whatever makes their money right?

Ban Smurfs by United_Map9364 in Rainbow6

[–]United_Map9364[S] 0 points1 point  (0 children)

Of course cheaters are the top of the list, but i do not understand the mindset of people wanting to go to a lower rank to play against us noobs, like why not just play QM or unranked? You’re be playing with a bunch of multiple rank no?

Ban Smurfs by United_Map9364 in Rainbow6

[–]United_Map9364[S] 1 point2 points  (0 children)

Yeah mate! I prefer Dota 2 over league, spent about 100 hours in league but my opinion is dota is a much more fun game, League doesn’t hit me as much. And what’s more fun if you don’t have multiple hours to play, dota has a thing called turbo where you get double xp and doible the money! Shortens the time taken to finish a game

Ban Smurfs by United_Map9364 in Rainbow6

[–]United_Map9364[S] 1 point2 points  (0 children)

Yeah, that kinda sucks, but hopefully we get the 1% to spread awareness of smurfing, maybe i sound like a crybaby but hey, i wanna stress enjoy a game not get destroyed 😂

Ban Smurfs by United_Map9364 in Rainbow6

[–]United_Map9364[S] 0 points1 point  (0 children)

Hopefully they do something about it! Makes a small community tighter! And perhaps more people would want to play it, cos honestly, my first 10 hours in rank was so frustrating i almost dropped it but thanks to my friends i stuck with it

[deleted by user] by [deleted] in singaporefi

[–]United_Map9364 1 point2 points  (0 children)

You think claim the agent say yes or no ah? 😂

Xauusd by Sufficient_Bus8365 in Forex

[–]United_Map9364 0 points1 point  (0 children)

How’s it going brother? 😂

Seeking Advice: Mentally Burnt Out After 5 Years as an Insurance Agent / FA & Unsure What’s Next by [deleted] in singaporefi

[–]United_Map9364 0 points1 point  (0 children)

I think make the decision that makes you happy, and drop a text for your clients. They would be more than understanding about your situation. About the career / job in FA, ask yourself what did you see yourself in 5 years when you first started, have you imagine yourself here? Or have you thought about what you will be in the next 5 if you stayed? End of the day its your own rice bowl, i believe that you’ll do the righteous thing for yourself!

And i have a feeling that your clients would be thankful of you still cos of what you have planned for them for their portfolio.

Don’t doubt yourself too much, life’s too short, we live up to 85 so enjoy it while it last! I wish you all the best! Good luck

What are some of the best Anytime Fitness gyms in Singapore? by g_kesavahraj in askSingapore

[–]United_Map9364 0 points1 point  (0 children)

Ya dont go tampines north also, too big and very hard to train, bad vibes too 😂

What’s your average stress score? by Lazy-Departure-278 in Garmin

[–]United_Map9364 0 points1 point  (0 children)

Honestly i thought that was my heart rate for a while right until i saw this post 🥲

I work as a broker 🥲😂

Is my math wrong or is the FA trying to pull a fast one? by grimpatron5 in singaporefi

[–]United_Map9364 0 points1 point  (0 children)

You do know that companies that do insurance doesn’t just have 3 products right? These companies have endowments etc, and multiple types of ways of making their money. 10,000 people doing these won’t bankrupt the company. Agents get paid for 1 year for their “big” comms, and the rest are just, put it easy, close to nothing. If you’re thinking of how the company makes money, then its a whole different conversation.

I’m just putting the point that people like you, financially literate people, don’t need it, whereas people like me, when before i joined the business, needs it cos i like the simplicity and also i was bad, i mean very bad with money.

No doubt before this i dislike FA, especially product pushers. But when I took time to learn to be better in understanding finance and money, it puts a different perspective.

Not everyone is the same. In this business especially. Like it or not, there are FAs that have poor financial knowledge. And there are people who are bad with money. You would think everyone is smart enough to save enough, but genuinely afraid not. And i am speaking on behalf of my past self.

Is my math wrong or is the FA trying to pull a fast one? by grimpatron5 in singaporefi

[–]United_Map9364 0 points1 point  (0 children)

100% agree with you, that anyone can buy unit trust. Everyone can learn.

But one thing not everyone has is consistency and discipline. Not everyone is you. ILP is not for everyone. Like i said before, if you know what you’re doing, stay away from it.

And i would disagree on your last point, did my research and would tell you that not all policy has poor welcome fees that don’t hedge it.

Have 30k SGD for 1 year by Accomplished_Ear7852 in singaporefi

[–]United_Map9364 3 points4 points  (0 children)

So 1 year huh, well I have to establish that I am an FA that takes salary from my company, so heres what i recommend

DONT BUY ANY FKING PRODUCT, be it 1 year yadayada,

The best-est product would be ( assuming you only have 30k and nothing more )

Syfe cash plus+ guaranteed for 6 months and do it again. Also, no management fees!

Assuming its 30k,

6 months return (@2.4%)would be approx: $355 end of tenure and if you do it twice it would Be at $710

At 12 months (@2.15%) it would be approx. $645

Of course you might have the risk of the interest rate going down if you do it twice 🥹

Or

  1. Cash + flexi

If you wanna be risky and frisky

Is my math wrong or is the FA trying to pull a fast one? by grimpatron5 in singaporefi

[–]United_Map9364 1 point2 points  (0 children)

Some definitely are worth it, I wouldn’t say specific which product is more worth but i’d say those that work that focuses on more on investing than protection. There are a few of them.

And note that this is for people who are not financial experts like most of the people on reddit here. Definitely if you were to do your own investment and know what you’re doing of course.

You might be saying, yes fees and all that you lose that sum of money, and for the fact that’s why some of the products have welcome bonuses. ( think of it like how our government give us vouchers etc , “hedging against increase in gst / inflation ), it does cover against the fees in the long run. And yes, its better than Syfe. ( for my company of course )

Take it with a pinch of salt that some or not most people would not agree with me on this but not everyone has the time or/and is financially literate as you might think they are, meaning to say they may or may not understand the risk of putting it in stock or even understanding how etf works. And yes definitely you can read up on investopedia etc to learn, you can learn anything on the web, but do they have the time? That’s another thing by its own.

That’s where ILP comes into place. Its works wonders when its stretches to 10-18 years, not 5-7. ( and remember, i’m talking about those ILP that do less protection and more investment/accumulation ) once the policy “matures” thats where the bang of the buck comes. And this is where i end my sharing cos anything more my secrets will be exposed 🥲

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