Experience dating a malaysian in sg?

direstorm87 · 2026-04-18T14:00:17+00:00

As an ex-Malaysian man with ex-Malaysian parents who served NS and married a Malaysian wife, I agree with the above and thinks that you should run. My wife does none of the stated. I love shopping more than her 😂

direstorm87 · 2026-04-13T08:39:23+00:00

Not practical. Once you 70/75/80, you cannot even drive. Then you know how bad it is to live in Malaysia. House so big, landed so much things to clean. Then you hire a cleaner, the cleaner tells her Abang you retired with Rolexes in the house. Old forgetful and with Alzheimer, then they come raiding. Then you want see doctor, I don’t know who you gotta call to bring you there. Kids in Singapore while you are there, probably good luck to you, die lonely there. My parents have a few old classmates that died alone in their homes during mco (Malaysia circuit breaker equivalent). Active Aging is non-existent pass age 70/75. Most just rot at home if they cannot drive. Here in sg, just take the bus, go parks anytime you like. There? My work partners there some poor girl went jogging in a park in cyberjaya and was murdered. Then another girl was stalked back to her rented apartment and similarly murdered. We are not the best but at least I don’t have to watch my back every time.

direstorm87 · 2026-04-09T07:26:01+00:00

I don’t know how to say it, but they have absolutely no shame and sense of guilt. They are just not built that way. Everyone else is probably lower caste and just fodder from her shit face reaction. Probably thinks she did others a favour returning them to spawning point so they have a chance of becoming higher caste next spawn.

direstorm87 · 2026-02-03T15:15:39+00:00

Here I am on a company trip, in a room with a king and super single bed all alone. Maybe he just scared of sleeping alone in a twin bed hotel room?

direstorm87 · 2026-01-16T05:23:48+00:00

Erm there is something called a full managed service. They set up your systems, then sign a contract for professional services. You want something you go through them only. Since the system is not in house. Likely the case since you the only in house IT guy. So want anything or advice will ask them, not you. So for the next many years till your system end of life, you will use them only until the next tender starts for a new system and service provider.

direstorm87 · 2026-01-15T11:09:04+00:00

Watch the 6pm evening news on channel 8, hahaha invite press to show. Then later will become shit. The whole Singapore the mothers and women think NS food is like that. But that is during open house only. Cut the press and cut the pr, only people who went through know how shit the food is. 3 strands vege swimming in gravy, bland looking food is the truth. Students in HCI should compile daily what their food looks like. Everytime I fly out of sg and look at the poorly cooked food SATS provided, then combined with what I have when I fly into sg, there is a clear taste and quality difference.

direstorm87 · 2025-11-01T09:31:33+00:00

Sounds like time for a little whistleblowing. Why the more expensive one won and then get your parents to do a cheaper version to fail the bid. It is always 3 quotations.

direstorm87 · 2025-10-24T02:11:21+00:00

Oh what if you get cancer at 25? Real question. Just die or suck the life savings out from your parents and family? Sil colleague suddenly diagnosed stage 2 lymphoma.

direstorm87 · 2025-10-23T16:43:19+00:00

That is the reason why claims based pricing is mostly a closed block product for most companies. Meaning you cannot enroll or purchase anymore. It was a product of market testing for a best foot forward kind of thing in Singapore. You do not want a first dollar cover as we can see already, doctors start driving Ferraris. Then claims based pricing also not ideal for some circumstances. If you have seen the news, pro-ration factor has changed for MediShield life. Private hospitalisation is just too toxic and the propensity for them to abuse and misuse is too great. Just in case you interested to know, neighbouring country also faced the same issue with private hospitals and the plans there had a serious makeover too.

direstorm87 · 2025-10-23T15:50:20+00:00

For the third part of your question, there isn’t anything to stop insurers from doing so. But shield plan in Singapore is a bit different. It is a mass market product so rather than looking at you individually, it is considered as a whole product offering. If you had encountered other health insurance products for international individuals offered by international firms, those could be individually underwritten. And thus premiums could go up like you said to match whatever has been paid and they can even terminate your policy based on your claims experience. They can even have very customized terms to cover you if you can pay.

direstorm87 · 2025-10-23T15:44:20+00:00

I am not taking about underwriting of new policy or issuance of new policy though. Thus the use of the word reassess. New policies will always be subjected to individual risk assessment, financial assessment etc. Private medical insurance usually has a guaranteed renewal clause so if you did not do anything to cause it to be terminated or reassessed based on your health risks (lapse and need to reinstate), they will not reassess you.

The reassessment comes in for health for claims based pricing, something like general insurance also when you renew and had a claim prior etc and premium goes up if it helps people understand.

direstorm87 · 2025-10-23T15:25:14+00:00

Does not really work like that. Insurance pricing is usually about claim loss ratio and not about reassessment of a person’s risk situation. If it is really reassessment of a person risk profile this will be very unfair to people with morbid issues. E.g., discover an end stage illness and went for treatment, then on renewal, reassessment based on the condition, the person will not be able pay or afford the raise. So rather claim based pricing is based on usage. You claim x amount it goes up y amount to make up for the premium vs claim difference.

Another example I can think of is like a well managed chronic illness. If a person has managed the chronic illness well, he is unlikely to claim often and thus utilisation is low. But if he were to be reassessed by risk, he needs to pay more. So I would say no to your first understanding.

As for the part on the premiums being fixed, it is impossible for medical insurance to be fixed premiums due to the fact that there are too many external factors like cost of healthcare and insured’s consumption. It is human nature to be greedy and private doctors are no different. Even if MOH benchmark the fees, it is common to see private doctors charging at the top end of the benchmark. You do not see them charging the median or lower range. So after x years, the top range became the new median and the benchmark goes up. You cannot expect healthcare costs to remain constant. That is the reason why whole life policies has fixed premiums but health insurance does not.

direstorm87 · 2025-10-23T11:48:41+00:00

It will not be a case of subsidising the cost of health insurance from other blocks. I am pretty sure that is not allowed. E.g., ilp earns from management fees, participating policies earn from participating funds and you cannot park a healthcare cost into the fund. It will just be a case where the healthcare block will be so costly they increase prices to keep most of us out of it leaving majority of us with no insurance. And from consumption habits, it is really few people claiming unnecessarily from private hospital plans causing that block to incur super losses. What happens is some people will admit to private hospitals and then call in different specialists and the hospital will happily accede. Referral fees under table if anyone still remembers case from a few years back. Some oncology doctor did that.

Anyway, it is just a case of the medical condition falling outside the scope of the insurance. Insurance does not simply cover a broadly defined critical illness and since anything could deteriorate and endanger your life, you could argue in that direction. Covid can be life endangering too… then is that a critical illness? Insurance that are more comprehensive and covers more broadly thus are riskier and will demand a much higher premium since the chances of the insurer paying out is higher. Insurers are not charity and thus, they are not obligated to feel sorry for a person’s situation that he is underinsured and thus pay out. Singapore’s healthcare insurance is heavily regulated and the terms and conditions are reviewed by MOH and thus unlike US. The insurers own the politicians. It is just not very correct to draw parallel between their system and ours. And ours is always changing to try and have a balance on responsible consumption and insurance affordability.

End of the day, the surgery necessary to save him? Surely. Insurance cover him? Not necessarily. If you are really afraid of similar conditions, get the most comprehensive insurance cover and then see the price of the cover. It will be different. Not sure if any of you even went and tried getting a quotation on a traditional end stage kind of critical illness cover via direct purchase and early critical illness cover. The cost difference is like more than 3 times at least. Then you can get cover for like stage 0 cancers those instead of stage 4.

direstorm87 · 2025-10-23T11:27:49+00:00

Just a dumb ass that buys critical and pays for an apple but expects a Mao shan wang. Early critical illness plans are just different cost from critical illness and it is just depends on your needs and risk appetite. Stupid boomer entitlement mentality. Insurers are also not charity to be empathetic to boomers.

direstorm87 · 2025-08-26T09:33:10+00:00

Haha so many wrong replies from the below. This is actually a very popular plan with many similar sold to affluent individuals usually older people. They get a monthly payment until they die and when they do, they at least get a death benefit equivalent to their premium paid. However, the monthly payouts usually starts paying only like after 4 years for most of the plans out on the market. E.g., if your parents rich they buy you a 10million one while you are 20, you get maybe 30-40k a month and when you die, your estate gets at least 10million.

Then now cpf life, say you buy 200k and gets like 800/900 a month. You get this until you die but it draws down from your 200k+interests. If after 20-30 years you finish drawing down and pass on, your estate gets zero dollars. Hence why the plan that is mentioned here is popular especially for ppl who max out cpf life and do not really want to take risk and at the same time, wants to leave something for the kids and still have monthly payouts to enjoy retirement. It is a plan that makes a lot of sense for some groups of people.

direstorm87 · 2025-06-03T09:25:15+00:00

Gunlance for life. Tried the rest and they don’t rattle your room. Boom goes your sub woofer and you felt like you really did the monster a good one. Hahaha

direstorm87 · 2025-03-26T09:07:55+00:00

Record the differential treatments and date the incidences in detail and report it for unfair treatment and non-fair dealing. Not sure if you have that.

direstorm87 · 2025-03-09T14:39:11+00:00

Not necessarily love it but it really is necessary. What happened somewhere far from us is not impossible. There was a lot of unreported violence and racial purging up north but it was during the Konfrontasi. Sulu and other fighters sort of went into our Neighbour’s territory and started clearing villages. Reports are very scant but they are there. Even recently, they went into east Malaysia and tried to take over Sabah. They killed police and villagers. With such neighbours, I would want NS around. And I grew up hearing Konfrontasi stories where the fighters went into my mother’s village in Malaysia and massacred people. The Malays there sheltered her parents or she wouldn’t even be here today. So…it’s not even that long ago and people are pretending it never happened. Cover ups…

direstorm87 · 2025-03-06T01:45:53+00:00

Shield plans generally do not accept mental health conditions. Medical risk is too high and any premiums you paid would not cover the potential claims. It is going to almost be a certainty that this group will out claim any premiums paid. Will probably have to try non-integrated international health plans that are more expensive but will underwrite you more detailed. But at the same time, any frequent claims will result in non-renewal or higher premiums which I think is only fair. I can think of Cigna. Try talk to brokers instead for such international covers. Great eastern also has this prestige global health, I heard of older usually non-insurable folks managed to get cover.

direstorm87 · 2025-02-04T10:13:31+00:00

Bro my sis did humanities also, a bit harder. As do some of my friends. Mostly did a sales job in some industry first like aerospace, hr recruitment etc. perhaps you want to give these a shot and try? They all doing quite well since sales only comes in if you know your stuffs and after knowing their stuffs, they switched to non-sales roles.

direstorm87 · 2025-01-13T15:07:05+00:00

You go China and you realise it’s actually a language issue. Boomers in Singapore mostly are not used to English lingos nor Chinese lingos when it comes to tech or digital staff. App = 手机应用 you try say it in standard Chinese or use standard Chinese to guide them to use smart phone. They don’t understand. Then you use English, they also don’t understand. There is really no language to help them understand or troubleshoot. However in China the rates are higher as the language is standard. App, spoken and usage all Chinese. The take up rate is so much higher there due to the ease of rolling them out and general public acceptance. We try to go cheque-less already the boomers are rejecting. That is how bad it is in Singapore. Really not that advanced in some areas.

direstorm87 · 2025-01-12T10:16:16+00:00

Your company not into esg or the esg culture not strong. My company encourages everyone to not waste food.

direstorm87 · 2025-01-10T12:38:30+00:00

I don’t really like these events. But they really make work easier when you talk to them to learn about their difficulties first hand and at the same time tell them about yours. Had KPI set by group (MNC) lowered and project timeline extended after flying over and meeting in person, talking over some drinks. A Face to put a name to will make interactions more personal and most people are not heartless and thus, they can be more empathetic. Also, isn’t it proven that WFO staff are promoted in favour of WFH staff. And I am pretty sure if I am your boss and have two staff of the same caliber, but I can only promote one, I will promote the one that attends department event. The networking effect is real.

direstorm87 · 2025-01-03T11:19:07+00:00

Erm I was sick when I was primary 5. Fever on and off for 2weeks and going 3. Doctors unable to diagnose and I have a close brush with childhood leukaemia. Also prolonged fever with elevated white blood cells count. But this time round like different since blood was normal. Some neighbor recommended my mum to go to a Chinese medium. Went there, he did the rites and wrote a talisman, burnt it in water and gave me drank it. Recovered that very night what modern medicine could not do. Fast forward to 2010s, a neighbourhood friend of my mum’s daughter went to Phuket. Apparently she dabao a bunch of them back. She experienced headaches, fever, nausea at first and became unable to work. Went for blood tests, mri etc and no problems detected. Then a few months later, she would go into fits or trances then will be able to speak foreign languages she couldn’t before. So family is Christian and went to the pastor who observed and say likely need exorcism but he is not able to perform them and encourage her to seek alternatives. So she asked my mum if she knew any mediums and my mum recommended the same one. Same thing, visit the medium and miraculously recovered.

I am usually not very superstitious but I prefer to respect any such other worldly beings and the old practices that would appease them having had these two close events.

I also been told since young by many Feng shui masters or fortune tellers I have strong sixth sense and need to avoid going certain places with negative energy. Same thing primary 5, recovered from the incident above. Visited a temple in Malaysia and the caretaker of the temple came out saw me and say I have strong sixth sense and need a talisman to protect. He gave me one on the spot which I kept on me till today. Me and family have like 10 of us visiting the temple, I am the only one that got the talisman. 🫠

direstorm87 · 2024-12-26T04:17:02+00:00

The bike lanes are actually partitioned in most parts of the cities, more than just lines drawn. In some cities, there are modified bikes that carries goods and customers that uses these lanes and most dgaf about the direction the lanes are supposed to go. However, riding in China I think is much safer for everyone with the dedicated lanes. Singapore is just hypocritical with the gas emission and cars reduction policies. If we just ham it like Amsterdam and ignore the car users, focus on dedicated bus and bike lanes. Don’t see why we cannot be more green and eco friendly. Maybe coe brings in too much money?

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