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  1. Engeng

    Financial: The useless ILP,& how to go about terminating it

    I am not giving financial advice to you, just applying your definition of living policies can sell quickly to property. Anything can be sold quickly and easily at a cheap and big loss making price. Getting cash within one day is also not the crux of the matter. The inherent nature of living...
  2. Engeng

    Chitchat Hot Former Actress Marries Humble Fat Popiah Seller! True Love! Even DPM Hen Must Give Face!

    Money can do charity too like famous philanthropists Lee Kong Chian and Bill Gate.
  3. Engeng

    Serious Lazy SMRT Staff To Commit Hari Kiri Over Tunnel Flooding! Don't Say SMRT No Accountability!

    That's the reward for being nice dogs and snakes. Create shit also OK. Good human on the other hand will get fired for not being nice.
  4. Engeng

    Serious Lazy SMRT Staff To Commit Hari Kiri Over Tunnel Flooding! Don't Say SMRT No Accountability!

    That's the problem of being nice but not good. I am sure the SMRT staff kena transferred out call their manager nice. Probably the nice manager will get transferred out too and the management scurried around like mouse to get good manager to clear the shit.
  5. Engeng

    Financial: The useless ILP,& how to go about terminating it

    Oh I am a big believer in property too. Best asset class. Yes you are right about people being very conservative and end up buy HDB when they can afford condo easily. They are usually very worried about paying conservancy fees when actually it's not that expensive if they have a car. I remember...
  6. Engeng

    Financial: The useless ILP,& how to go about terminating it

    Yeah right I am sure you sell your property at 50% or 80% loss you can sell it at lightning speed too just like the way you are twisting can sell living policies easily and quickly at a loss means liquid assets. So you should consider your property as liquid assets too.
  7. Engeng

    Financial: The useless ILP,& how to go about terminating it

    Oh whole life policies are not that bad. Like the living policies annualised return around 4%. Don't forget it comes with free critical illness insurance. I remember getting a quote of term insurance with critical illness coverage before and it was not that cheap too. So your investment return...
  8. Engeng

    Financial: The useless ILP,& how to go about terminating it

    You are still twisting. You buy shares you can sell them within ten years with possibility of profit. It is liquid asset. You buy living policies you can't sell them within ten years with possibility of profit at all. Confirmed loss. It is not liquid asset until they break even after ten years...
  9. Engeng

    Financial: The useless ILP,& how to go about terminating it

    Hey you are obviously twisting here. Living policies are not liquid assets that can be sold without losing value for at least 10 years. Whereas shares are liquid assets that you can sell anytime with possibility of making gains. I am not familiar with index funds and shan't comment on that...
  10. Engeng

    Financial: The useless ILP,& how to go about terminating it

    Hey the only thing I quoted to you is this phrase from your quoted text in your own post and I already told you that. So what other source do I owe you? "Liquid assets are assets that can be converted quickly and easily to cash without losing value. " Your stupidity is shocking indeed. No...
  11. Engeng

    Chitchat Serial Bra Thief Caught On Camera! Samsters, CSI The Pervert!

    He should hide his face indeed as he is a thief. Unfortunately thieves are often shameless as evident here.
  12. Engeng

    Financial: The useless ILP,& how to go about terminating it

    Looks like sinkies are indeed stupid to believe in whatever people say as long as professionals without thinking whether it is true or not. Graduate or not doesn't matter.
  13. Engeng

    Chitchat Good AMDK Director Needs Massage! Oppie Samsters Got Any Lobang?

    Again you covert manipulative jiuhukia is the one making allusion and then persecute others by using the excuse of making allusion. Hey you jiuhukia criminals can repeat lies to shiok sendiri but it will never change the fact that I am a virgin and not what you low class cheap thieves slandered...
  14. Engeng

    Financial: The useless ILP,& how to go about terminating it

    This statement that I quoted is exactly from your quoted text in your post. So is it reputable and published source? "Liquid assets are assets that can be converted quickly and easily to cash without losing value. " Anyway you do not understand or choose not to admit you can't sell your life...
  15. Engeng

    Financial: The useless ILP,& how to go about terminating it

    You are obviously making allusion here. Anyway it is ok lah I never claim to be good in accounting or legal or whatever profession or even interested in it. I only claimed to be good in clearing shit in clear shit jobs and that's my specialty indeed as proven by the results.
  16. Engeng

    Financial: The useless ILP,& how to go about terminating it

    You are coming from the point of accounting or legal but I am not. It's quite clear to me that liquid assets means you must be able to liquidate quickly without taking a big loss and taking loan paying interest rate for it does not count. In fact, your quoted text said exactly that: "Liquid...
  17. Engeng

    Chitchat Good AMDK Director Needs Massage! Oppie Samsters Got Any Lobang?

    Yeah these women are doing the right thing indeed to openly name the criminal and not scared to be sued.
  18. Engeng

    Chitchat Serial Bra Thief Caught On Camera! Samsters, CSI The Pervert!

    Yeah right tell that to the police. Very simple to know whether right thing or not. Another way to test is openly name and no one sue me unlike you jiuhukia criminals have to boast while hiding behind the computer.
  19. Engeng

    Financial: The useless ILP,& how to go about terminating it

    Yes you can take a loan based on the cash value of your policies just like you can take a mortgage on your property but that is not called liquid asset just like property is definitely not liquid. Not to mention the insurance loan interest rate is not that low at around 6% or so, much higher...
  20. Engeng

    Chitchat Good AMDK Director Needs Massage! Oppie Samsters Got Any Lobang?

    Good that this news proved that there are many innocent women around. Only filthy men who think and call innocent women damned dirty when they are the filthy ones themselves.
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