Traditionally, around this time of the year, we would order Brand's Essence of Chicken as giveaways. They have a fantastic range, with options to choose the essence with added ingredients like American Ginseng, Cordycep, Lycium, Tangkwei and Vitamin B Complex. For corporate giveaways, we generally go for the basic one, taken by many to strengthen to body and help relieve fatique.
This year, however, the first batch of Brand's Essence of Chicken we received (Batch: November 2013) taste diluted, prompting us to halt further orders to clarify the issue with Brand's Customer Service. They assure us that the extraction method and nutritional values remains the same, and in fact, there were feedback that some people might not like the taste of chicken and actually wanted a blander taste.
If this is the case, it may be better for Brand's to market this lesser-taste form under a sub-category, because our first impression was that the whole stuff was being diluted somehow, somewhere in the manufacturing process. Whereas before, we were able to add warm water to the original version and still enjoy it, now it already tasted quite close to plain water straight out from the bottle. Individual taste preference aside, when we wish for chicken soup or broth, we prefer it with the taste of chicken, as that is part of the appreciation process. It is small consolation to be told that the chicken essence remains as nutritious as before. While we appreciate its lower cholesterol values as compared to chicken broth which can be oilier even when skin is removed, we aren't ready for tasteless chicken soup when the word 'chicken soup' itself conjures anticipation of good taste with its aroma providing a sense of comfort.
For those who appreciated a brander form of Brand's Essence of Chicken, though, here is an extract from their website -
Quality Chickens from Temperature-Controlled, Contamination-Free FarmsAll BRAND’S® Essence of Chicken products are made with chickens supplied by leading poultry suppliers, reared in a pollution-free, temperature-controlled, and safely enclosed farm closely monitored by computers. Unlike traditional open chicken farms, these chickens are not exposed to other aviary animals, eliminating the risk of contamination.
Each chicken is inspected by a government veterinarian to ensure that it is healthy before it is processed in the GMP, ISO 9001 QMS, HACCP and Halal certified slaughterhouse. Chickens are then rigorously inspected by state-accredited veterinarians before a final check by a BRAND’S® quality assurance personnel to ensure the highest quality and hygiene before it is processed in BRAND’S® factory.
Monday, December 30, 2013
Saturday, December 28, 2013
Finance Minister of the Year 2013
Tharman Shanmugaratnam, the Finance Minister and Deputy Prime Minister of Singapore is Euromoney's 2013 recipient for the Finance Minister of the Year award, to be conferred during a private presentation at the World Bank/International Monetary Fund annual meetings in Washington this week.
Euromoney, the global banking and finance industry publication, based its decision on three factors:
• Opinions of a committee of Euromoney’s senior editors, chaired by editor Clive Horwood
• Views of the world’s leading bankers
• Analysis of the contributors to Euromoney Country Risk (ECR)
As Finance Minister, Mr Tharman has a key role in Singapore's economic growth, which is transiting from a population-driven to productivity-driven model.
The award is given in commendation for various contributions:
• Spearheading a push to find new sources of economic growth
• Crafting policies to ensure competency and relevance amid economic competition
• Maintaining an innovative trade and financial services hub to diversified export markets
• Building social safety net to address discontent over strained infrastructure and rising costs
• Serving as the region’s statesman on the international stage
This is the second time a Singapore Finance Minister is conferred the award.
The list of previous recipients are:
1981 Turgut Özal - Turkey
1982 Hon Sui Sen - Singapore
1983 Jesús Silva Herzog - Mexico
1984 Paul Keating - Australia
1985 Roger Douglas - New Zealand
1986 James Baker - United States of America
1987 Edouard Balladur - France
1988 Nigel Lawson - United Kingdom
1989 J.B. Sumarlin - Indonesia
1990 Philippe Maystadt - Belgium
1991 Carlos Solchaga - Spain
1992 Domingo Cavallo - Argentina
1993 Manmohan Singh - India
1994 Iiro Viinanen - Finland
1995 Roberto de Ocampo - Philippines
1996 Robert Rubin - United States of America
1997 Anatoly Chubais - Russia
1998 Leszek Balcerowicz - Poland
1999 José Angel Gurría - Mexico
2000 Brigita Schmögnerovà - Slovakia
2001 Shaukat Aziz - Pakistan
2002 Milen Veltchev - Bulgaria
2003 Ibrahim bin Abdulaziz Al-Assaf - Saudi Arabia
2004 Ivan Miklos - Slovakia
2005 Ngozi Okonjo-Iweala - Nigeria
2006 Sri Mulyani Indrawati - Indonesia
2007 Mlađan Dinkić - Serbia
2008 Xie Xuren - China
2009 Jim Flaherty - Canada
2010 Alexei Kudrin - Russia
2011 Wayne Swan - Australia
2012 Cesar Purisima - Philippines
2013 Tharman Shanmugaratnam - Singapore
In-depth interview with finance minister Shanmugaratnam:
www.euromoney.com/MoF.
facebook.com/TharmanShanmugaratnam
|
Euromoney, the global banking and finance industry publication, based its decision on three factors:
• Opinions of a committee of Euromoney’s senior editors, chaired by editor Clive Horwood
• Views of the world’s leading bankers
• Analysis of the contributors to Euromoney Country Risk (ECR)
As Finance Minister, Mr Tharman has a key role in Singapore's economic growth, which is transiting from a population-driven to productivity-driven model.
The award is given in commendation for various contributions:
• Spearheading a push to find new sources of economic growth
• Crafting policies to ensure competency and relevance amid economic competition
• Maintaining an innovative trade and financial services hub to diversified export markets
• Building social safety net to address discontent over strained infrastructure and rising costs
• Serving as the region’s statesman on the international stage
This is the second time a Singapore Finance Minister is conferred the award.
The list of previous recipients are:
1981 Turgut Özal - Turkey
1982 Hon Sui Sen - Singapore
1983 Jesús Silva Herzog - Mexico
1984 Paul Keating - Australia
1985 Roger Douglas - New Zealand
1986 James Baker - United States of America
1987 Edouard Balladur - France
1988 Nigel Lawson - United Kingdom
1989 J.B. Sumarlin - Indonesia
1990 Philippe Maystadt - Belgium
1991 Carlos Solchaga - Spain
1992 Domingo Cavallo - Argentina
1993 Manmohan Singh - India
1994 Iiro Viinanen - Finland
1995 Roberto de Ocampo - Philippines
1996 Robert Rubin - United States of America
1997 Anatoly Chubais - Russia
1998 Leszek Balcerowicz - Poland
1999 José Angel Gurría - Mexico
2000 Brigita Schmögnerovà - Slovakia
2001 Shaukat Aziz - Pakistan
2002 Milen Veltchev - Bulgaria
2003 Ibrahim bin Abdulaziz Al-Assaf - Saudi Arabia
2004 Ivan Miklos - Slovakia
2005 Ngozi Okonjo-Iweala - Nigeria
2006 Sri Mulyani Indrawati - Indonesia
2007 Mlađan Dinkić - Serbia
2008 Xie Xuren - China
2009 Jim Flaherty - Canada
2010 Alexei Kudrin - Russia
2011 Wayne Swan - Australia
2012 Cesar Purisima - Philippines
2013 Tharman Shanmugaratnam - Singapore
In-depth interview with finance minister Shanmugaratnam:
www.euromoney.com/MoF.
Saturday, December 7, 2013
OCBC Frank Card
OCBC needs to increase manpower for their credit card processing.
The branch staff did a mistake on our form filling. Then it took them so long to process a card, we miss out on the free luggage which we would have been entitled to if not for their delay. All in all, they didn't care.
Then the card didn't activate, though the SMS says it got through. This resulted in a duplicate order, causing lots of inconvenience as we tried to take back money belonging to us. It is 2 months now, and we have not gotten the money back.
The customer service staff, however, proved to be really helpful in trying to do what they can whenever mistakes crop up.
It is the only card in town that allows you to choose from a variety of designs.
It offers 6% rebate for online shopping and 0.5% for other spending. Minimum total spending, be it online or others, must amount to $500 before the 6% rebate is awarded.
Another improvement would be if they grant the "no-annual-fee" benefit to all OCBC Frank card holders, instead of only to those who apply at their branches. Why penalize those who apply at their roadshows?
The branch staff did a mistake on our form filling. Then it took them so long to process a card, we miss out on the free luggage which we would have been entitled to if not for their delay. All in all, they didn't care.
Then the card didn't activate, though the SMS says it got through. This resulted in a duplicate order, causing lots of inconvenience as we tried to take back money belonging to us. It is 2 months now, and we have not gotten the money back.
The customer service staff, however, proved to be really helpful in trying to do what they can whenever mistakes crop up.
It is the only card in town that allows you to choose from a variety of designs.
It offers 6% rebate for online shopping and 0.5% for other spending. Minimum total spending, be it online or others, must amount to $500 before the 6% rebate is awarded.
Another improvement would be if they grant the "no-annual-fee" benefit to all OCBC Frank card holders, instead of only to those who apply at their branches. Why penalize those who apply at their roadshows?
Complicated Bank Deposits - SCB
Everybody hates it when bank products gets too complicated.
Around the Christmas season of 2013, Standard Chartered Bank (SCB) Singapore put up tantalizing advertisements promoting a 1.88% per annum Bonus Saver Account deposit scheme that offers 4 SEA Aquarium Tickets at Sentosa.
We pop in to their roadshow at Plaza Singapura atrium.
Naturally, we expect some attached terms and conditions e.g. fresh funds, minimum terms, and minimum amount.
What we didn't expect was a complicated explanation whereby Pru Save kept coming into the picture, followed by deductions from a compulsory dedit card that must be issued together with this deposit account (don't you just hate it when one things leads to another.. and another..). What has Pru Save (Prudential insurance?) got to do with a 1.88% deposit scheme? When someone goes for a bank deposit, they don't want any insurance scheme in it, hello?
And the explanation of how a $500 minimum monthly spending deduction must be deducted from a specifically designated debit card baffles as much. We already hold 3 other SCB credit cards, and really didn't want one more to complicate life, so why can't the minimum deduction come from our preferred SCB card? After all, it all belongs to the same bank.
At first, the heavily mascara-ed pretty lady was pleasant. But as we pestered for a more straightforward breakdown of steps in order to comprehend how the simple bank deposit links itself so intricately to Prudential and SCB debit deductions, her patience got stretched.
Our tolerance got shorter as well when we simply couldn't grasp the concept even after she had sketched the figures and systematic deductions onto paper (which she wouldn't let us keep). No matter which way she try to present it, it was simply too convoluted.
All we wanted was to deposit cash, and earn interest.
Instead we wasted one hour being goreng-ed left and right.
We have the interest in the product but either by poor design or poor explanation, we gave up.
Around the Christmas season of 2013, Standard Chartered Bank (SCB) Singapore put up tantalizing advertisements promoting a 1.88% per annum Bonus Saver Account deposit scheme that offers 4 SEA Aquarium Tickets at Sentosa.
We pop in to their roadshow at Plaza Singapura atrium.
Naturally, we expect some attached terms and conditions e.g. fresh funds, minimum terms, and minimum amount.
What we didn't expect was a complicated explanation whereby Pru Save kept coming into the picture, followed by deductions from a compulsory dedit card that must be issued together with this deposit account (don't you just hate it when one things leads to another.. and another..). What has Pru Save (Prudential insurance?) got to do with a 1.88% deposit scheme? When someone goes for a bank deposit, they don't want any insurance scheme in it, hello?
And the explanation of how a $500 minimum monthly spending deduction must be deducted from a specifically designated debit card baffles as much. We already hold 3 other SCB credit cards, and really didn't want one more to complicate life, so why can't the minimum deduction come from our preferred SCB card? After all, it all belongs to the same bank.
At first, the heavily mascara-ed pretty lady was pleasant. But as we pestered for a more straightforward breakdown of steps in order to comprehend how the simple bank deposit links itself so intricately to Prudential and SCB debit deductions, her patience got stretched.
Our tolerance got shorter as well when we simply couldn't grasp the concept even after she had sketched the figures and systematic deductions onto paper (which she wouldn't let us keep). No matter which way she try to present it, it was simply too convoluted.
All we wanted was to deposit cash, and earn interest.
Instead we wasted one hour being goreng-ed left and right.
We have the interest in the product but either by poor design or poor explanation, we gave up.
Saturday, November 9, 2013
StarHub's Nonsensical Know-You-Better Trickery
Don't you just hate to be lured into updating your profile on promise of a free premium that interest you, only to find nonsense at the end of all that trouble?
We were invited by StarHub to update profile on the Know You Better page.
It was clearly stated that we have a choice of either movie or song download.
However, at the redemption page, only one tab appear.
Its Video-on-demand movie premium has been switched to free song download!
There is a big world of difference between watching a movie and listening to songs. A movie lover may not be a fan of song downloads.
We wrote in to complain but StarHub says nothing can be done. Take the free song downloads or nothing at all. We wouldn't even have wasted out time if they had mentioned that the movie download has been taken off.
We know StarHub wishes to promote its Music Portal aggressively, but it is unethical of them to lure customers in this way. What trickery to use one freebie as a carrot, then divert them to another they want to promote.
If it is not deliberate, then why deny us the initially promised freebie? What is one $5 movie-on-demand download to StarHub anyway? Yet they choose to antagonize long-time customers.
If they deny that this is deliberate, then at best, they confirm their inefficiency.
In the end, we asked around our friends to see who wishes to have this music freebie. But all of them say they have better sources for music downloads. The StarHub one looks quite involved in terms of learning curve or at least more effort than a movie download off the TV. None of us want to spend that time getting familiar with it.
The irony is now we "Know-StarHub-Better". We know their service standards has gone to the dogs.
Woof, Woof. Howl.
We were invited by StarHub to update profile on the Know You Better page.
It was clearly stated that we have a choice of either movie or song download.
However, at the redemption page, only one tab appear.
Its Video-on-demand movie premium has been switched to free song download!
There is a big world of difference between watching a movie and listening to songs. A movie lover may not be a fan of song downloads.
We wrote in to complain but StarHub says nothing can be done. Take the free song downloads or nothing at all. We wouldn't even have wasted out time if they had mentioned that the movie download has been taken off.
We know StarHub wishes to promote its Music Portal aggressively, but it is unethical of them to lure customers in this way. What trickery to use one freebie as a carrot, then divert them to another they want to promote.
If it is not deliberate, then why deny us the initially promised freebie? What is one $5 movie-on-demand download to StarHub anyway? Yet they choose to antagonize long-time customers.
If they deny that this is deliberate, then at best, they confirm their inefficiency.
In the end, we asked around our friends to see who wishes to have this music freebie. But all of them say they have better sources for music downloads. The StarHub one looks quite involved in terms of learning curve or at least more effort than a movie download off the TV. None of us want to spend that time getting familiar with it.
The irony is now we "Know-StarHub-Better". We know their service standards has gone to the dogs.
Woof, Woof. Howl.
Sunday, October 13, 2013
Our Next Fridge
We have a 5 year old 28" side-by-side which we detest, particularly for its meagre space. This Samsung RS20NRHS was designed for fans of 2-door fridge who might not mind small internal space. It must have been inexperience which possess us to purchase this model, because it turns out to be a seriously crammed fella for our needs. Not enough rooms for bulky items on either sides - the fridge side or the freezer side. As soon as we bought it, we can't wait for it to die so we can replace it.
Soon after we bought this, we saw the bigger Hitachi ones. Good side-by-side fridges, however, comes at a much heftier price than the S$1,199 which we paid for the Samsung (5 years ago). Much to our relief, a Taiwanese expat donated her Panasonic one-door fridge. Though smaller in body, this simple Panasonic one-door has the same internal capacity as the bigger bodied Samsung yet has wider space for a big pizza box to slot in easily. So if budget is a concern, a one-door fridge may be a better option. The Panasonic has its freezer at the bottom, suitable for those who spend less time digging in freezers than the fridge.
We liked our first side-by-side for its icemaker/water feature. However, its filter occupies quite a lot of internal space and requires discipline in changing at proper scheduled time. It was such an energy guzzler though, that when it was carted away, the power bill dropped significantly! Its capacity was bigger than the Samsung but it was also dimensionally bigger, taking up too much kitchen space.
The plus of a side-by-side is that most comes with handles that allows one to loop a latch around it. This is useful for those who really needs to keep stuff locked away from folks with dementia, or various other reasons.
The other plus is that on both the fridge and the freezer side, you have most of the regularly used stuff at eye level.
Note also that the door of a fridge or freezer holds a ton of stuff, many of which can be quite heavy, e.g. litres of your favourite drinks. In a wider one-door fridge, the technical advice is to keep the heavier stuff towards the hinge area. We found this out when the fridge becomes less cold at times. The door had slide somewhat off the hinge requiring servicing to align the door back upwards.
Meanwhile, we are looking into a multi-door fridge, favoured by many Japanese families.
Soon after we bought this, we saw the bigger Hitachi ones. Good side-by-side fridges, however, comes at a much heftier price than the S$1,199 which we paid for the Samsung (5 years ago). Much to our relief, a Taiwanese expat donated her Panasonic one-door fridge. Though smaller in body, this simple Panasonic one-door has the same internal capacity as the bigger bodied Samsung yet has wider space for a big pizza box to slot in easily. So if budget is a concern, a one-door fridge may be a better option. The Panasonic has its freezer at the bottom, suitable for those who spend less time digging in freezers than the fridge.
We liked our first side-by-side for its icemaker/water feature. However, its filter occupies quite a lot of internal space and requires discipline in changing at proper scheduled time. It was such an energy guzzler though, that when it was carted away, the power bill dropped significantly! Its capacity was bigger than the Samsung but it was also dimensionally bigger, taking up too much kitchen space.
The plus of a side-by-side is that most comes with handles that allows one to loop a latch around it. This is useful for those who really needs to keep stuff locked away from folks with dementia, or various other reasons.
The other plus is that on both the fridge and the freezer side, you have most of the regularly used stuff at eye level.
Note also that the door of a fridge or freezer holds a ton of stuff, many of which can be quite heavy, e.g. litres of your favourite drinks. In a wider one-door fridge, the technical advice is to keep the heavier stuff towards the hinge area. We found this out when the fridge becomes less cold at times. The door had slide somewhat off the hinge requiring servicing to align the door back upwards.
Meanwhile, we are looking into a multi-door fridge, favoured by many Japanese families.
Hitachi
|
Mitsubishi
|
Panasonic
|
Saturday, October 12, 2013
CPF LIFE
55 is a milestone in your CPF agenda. 2 things occurs:
This sets aside your CPF Minimum Sum.
RA is created by transfer from-
• Special Account (SA)
• Ordinary Account (OA)
• Medisave Minimum Sum excess balance
• In case savings are insufficient, property bought with CPF savings will be pledged.
Suggestion
There is a lot of confusion over:
1) Medisave Minimum Sum (MMS), and
2) Medisave Required Amount (MRA)
Even the w.e.f. dates aren't streamlined:
• Since 1 July 2013, the MMS is $40,500.
• Since 1 January 2013, the MRA is $38,500.
It is better if these 2 confusing requirements be merged into one - in favour of the public of course.
The RA is then committed to CPF LIFE annuity scheme.
In case you outlive your CPF savings, an annuity provides lifelong income.
CPF LIFE's monthly payouts commence from 65 to as long as you live.
Choose from 2 CPF LIFE plans:
• Standard Plan (the default if you do not choose)
Higher monthly payout / Lesser bequest
• Basic Plan
Lower monthly payout / Higher bequest
Key Concerns
One is the low bequest amount even taking into account over-compensating for those who may live beyond 90.
The other is that since CPF LIFE is a long-term savings, it should be inflation-indexed. As long as it is not inflation-linked, there would always be a certain level of shakiness perceived to a product which to all intents and purpose was supposed to be credible in carrying out its objective.
The objective of the monthly pay-out is to sustain a reasonably basic living. This is at risk if the annuity doesn't grow enough to keep up with the incessant rise in the cost of living.
There is also no bonus add-on mechanism which would help offset sudden deflationary factors.
You can choose to withdraw the withdrawable portion of your CPF.
Or you can choose to let the funds enjoy the following interest, currently:
OA interest rate = 2.5% per annum.
1% extra for first $60,000 of combined balances (OA $20,000 cap)
You'd think it's your own money and withdrawal should be relatively free and easy.
But as with all red tapes in life, not so fast!
Up pops ambiguity in CPF's FAQ listed under the heading of:
(A) When can I withdraw?
Reply Line (1)
You can apply to withdraw your CPF savings two months before your 55th birthday or anytime thereafter. After you have withdrawn your CPF savings at 55, you can make yearly withdrawals on or after your 56th birthday, 57th birthday and so on.
Reply Line (2)
If you are 55 and above, you can also apply to withdraw your CPF savings anytime if:
(i) you have been unemployed; or
(ii) you are a self-employed,
and have not been continuously working,
nor receiving income in any business or trade,
throughout the period of six months before the date of your CPF withdrawal application.
Reply Line (3)
If you have made a partial withdrawal of your CPF savings, you will be eligible to withdraw the remaining balances when you meet conditions (1) or (2) above.
We get a sense of what CPF Board is trying to say, but somehow it's all in bits and pieces, that don't seem to add together. So a call to the hotline to clarify is due, and that's always a sign that the literatures aren't speaking plain English.
From the call to the CPF Hotline, it appears that what Reply Line (1) to (3) is trying to say is this:-
First, pay attention to the words 'First" and all subsequent withdrawal terminology.
It appears that you can make your first CPF upon-reaching-55 withdrawal, at anytime upon reaching 55 or any years after. As long as this is the first time you activate this entitled withdrawal, the other conditions of having to be unemployed or having to be receiving no income for a set period of time will not apply.
It is only if you have activated this first withdrawal, that the eligibility restrictions set in. If we understand correctly, CPF Board is not to be taken as a bank where folks go in freely to withdraw in portions. Therefore the regiment.
If you do not withdrawal at 55, the minimum sum may be increased, so your withdrawal sum may be reduced.
However, further contributions into CPF after 55 would likewise increased the withdrawal sum if you have never withdrawn it since reaching 55.
Suggestion
We still don't like that after a first withdrawal is effected, we cannot withdraw any further balance in the OA funds in CPF, unless:
(i) unemployed, or
(ii) self-employed, with no continuous work nor income in any business or trade.
This actually discourages folks from working!
There are multitude reasons why someone at, for example, age 56, 57 or 60 may be working yet need to withdraw subsequent amounts that remains in their CPF.
It would be good if this eligibility condition be made more owner-friendly, after all you're talking about folks who have already cross 55!
[1] RETIREMENT ACCOUNT (RA) CREATED
This sets aside your CPF Minimum Sum.
RA is created by transfer from-
• Special Account (SA)
• Ordinary Account (OA)
• Medisave Minimum Sum excess balance
• In case savings are insufficient, property bought with CPF savings will be pledged.
Suggestion
There is a lot of confusion over:
1) Medisave Minimum Sum (MMS), and
2) Medisave Required Amount (MRA)
Even the w.e.f. dates aren't streamlined:
• Since 1 July 2013, the MMS is $40,500.
• Since 1 January 2013, the MRA is $38,500.
It is better if these 2 confusing requirements be merged into one - in favour of the public of course.
The RA is then committed to CPF LIFE annuity scheme.
In case you outlive your CPF savings, an annuity provides lifelong income.
CPF LIFE's monthly payouts commence from 65 to as long as you live.
Choose from 2 CPF LIFE plans:
• Standard Plan (the default if you do not choose)
Higher monthly payout / Lesser bequest
• Basic Plan
Lower monthly payout / Higher bequest
Key Concerns
One is the low bequest amount even taking into account over-compensating for those who may live beyond 90.
The other is that since CPF LIFE is a long-term savings, it should be inflation-indexed. As long as it is not inflation-linked, there would always be a certain level of shakiness perceived to a product which to all intents and purpose was supposed to be credible in carrying out its objective.
The objective of the monthly pay-out is to sustain a reasonably basic living. This is at risk if the annuity doesn't grow enough to keep up with the incessant rise in the cost of living.
There is also no bonus add-on mechanism which would help offset sudden deflationary factors.
[2] WITHDRAWAL
You can choose to withdraw the withdrawable portion of your CPF.
Or you can choose to let the funds enjoy the following interest, currently:
OA interest rate = 2.5% per annum.
1% extra for first $60,000 of combined balances (OA $20,000 cap)
You'd think it's your own money and withdrawal should be relatively free and easy.
But as with all red tapes in life, not so fast!
Up pops ambiguity in CPF's FAQ listed under the heading of:
(A) When can I withdraw?
Reply Line (1)
You can apply to withdraw your CPF savings two months before your 55th birthday or anytime thereafter. After you have withdrawn your CPF savings at 55, you can make yearly withdrawals on or after your 56th birthday, 57th birthday and so on.
Reply Line (2)
If you are 55 and above, you can also apply to withdraw your CPF savings anytime if:
(i) you have been unemployed; or
(ii) you are a self-employed,
and have not been continuously working,
nor receiving income in any business or trade,
throughout the period of six months before the date of your CPF withdrawal application.
Reply Line (3)
If you have made a partial withdrawal of your CPF savings, you will be eligible to withdraw the remaining balances when you meet conditions (1) or (2) above.
We get a sense of what CPF Board is trying to say, but somehow it's all in bits and pieces, that don't seem to add together. So a call to the hotline to clarify is due, and that's always a sign that the literatures aren't speaking plain English.
From the call to the CPF Hotline, it appears that what Reply Line (1) to (3) is trying to say is this:-
First, pay attention to the words 'First" and all subsequent withdrawal terminology.
It appears that you can make your first CPF upon-reaching-55 withdrawal, at anytime upon reaching 55 or any years after. As long as this is the first time you activate this entitled withdrawal, the other conditions of having to be unemployed or having to be receiving no income for a set period of time will not apply.
It is only if you have activated this first withdrawal, that the eligibility restrictions set in. If we understand correctly, CPF Board is not to be taken as a bank where folks go in freely to withdraw in portions. Therefore the regiment.
If you do not withdrawal at 55, the minimum sum may be increased, so your withdrawal sum may be reduced.
However, further contributions into CPF after 55 would likewise increased the withdrawal sum if you have never withdrawn it since reaching 55.
Suggestion
We still don't like that after a first withdrawal is effected, we cannot withdraw any further balance in the OA funds in CPF, unless:
(i) unemployed, or
(ii) self-employed, with no continuous work nor income in any business or trade.
This actually discourages folks from working!
There are multitude reasons why someone at, for example, age 56, 57 or 60 may be working yet need to withdraw subsequent amounts that remains in their CPF.
It would be good if this eligibility condition be made more owner-friendly, after all you're talking about folks who have already cross 55!
Tuesday, October 8, 2013
Socks, at last!
For Bigfoots in Singapore, it can be ridiculously difficult to find big socks, especially ankle-lengths.
We recall running around Robinsons, Bata, John Little and other stores in vain for black or white ankle-length socks for size 13 shoes, finally settling for the pricey ones at Timberland, which often run out of stock.
We even cause a change in a school's compulsory rule to wear school-issued socks which has the school name embroidered all around the rim. The school vendor appointed to issue it simply couldn't cater to those who wears shoes of size 12 and upwards and many of the growing teenage students were struggling to put on 'free-size' socks which was in effect baby-size when placed next to a large foot.
The stretch elasticity of many brands are also often not generous enough to accommodate bigger foot, resulting in holes, adding to the frustration.
It was therefore a big surprise to find what we wanted for so long right there on the street at the pasar malam near the HDB Hub, Toa Payoh. Low ankle, high ankle - it's all right there in plain black or white. Disbelieving, we bought only a set of 3 pairs at S$10, wore it, and then went back for more. The thread count and stretch-ability is in top form. Various material mix ranging from 100% cotton, 80% cotton 20% spandex, etc. are available!
For those in the mood for fancy, there's a wide array of colours and patterns.
Wisely, the saleslady pointed to the contact printed on every plastic bag, in case we run out of socks:
Kawata House of Socks
Retail Outlet:
• Chinatown Point #81-09
Tel: (65) 6538 2009
• People's Park Plaza #02-1092/1094
Tel: (65) 6532 1002
• Office: 9002 Tampines Street 93 #03-46/50 Singapore 528836
Tel: (65) 6786 4568 Fax: (65) 6787 4568
Online:
• www.kawata.com.sg
We recall running around Robinsons, Bata, John Little and other stores in vain for black or white ankle-length socks for size 13 shoes, finally settling for the pricey ones at Timberland, which often run out of stock.
We even cause a change in a school's compulsory rule to wear school-issued socks which has the school name embroidered all around the rim. The school vendor appointed to issue it simply couldn't cater to those who wears shoes of size 12 and upwards and many of the growing teenage students were struggling to put on 'free-size' socks which was in effect baby-size when placed next to a large foot.
The stretch elasticity of many brands are also often not generous enough to accommodate bigger foot, resulting in holes, adding to the frustration.
It was therefore a big surprise to find what we wanted for so long right there on the street at the pasar malam near the HDB Hub, Toa Payoh. Low ankle, high ankle - it's all right there in plain black or white. Disbelieving, we bought only a set of 3 pairs at S$10, wore it, and then went back for more. The thread count and stretch-ability is in top form. Various material mix ranging from 100% cotton, 80% cotton 20% spandex, etc. are available!
For those in the mood for fancy, there's a wide array of colours and patterns.
Photo: kawata.com.sg
|
Photo: kawata.com.sg
|
Wisely, the saleslady pointed to the contact printed on every plastic bag, in case we run out of socks:
Kawata House of Socks
Retail Outlet:
• Chinatown Point #81-09
Tel: (65) 6538 2009
• People's Park Plaza #02-1092/1094
Tel: (65) 6532 1002
• Office: 9002 Tampines Street 93 #03-46/50 Singapore 528836
Tel: (65) 6786 4568 Fax: (65) 6787 4568
Online:
• www.kawata.com.sg
Tuesday, September 24, 2013
Small & Medium Enterprises (SME)
In the 2013 Singapore Budget speech by DPM Tharman Shanmugaratnam, we heard of Singapore's intent to push economic restructuring one notch up. "If we do not achieve momentum in the next three years, there's a real risk that three years from now, we will be in exactly the same position," he said in Parliament.
One the several measures that Mr Tharman spelt out concerns help package for SMEs. The noble aim of the help package, is not so much about the incentives, grants and subsidies earmarked for it, but about the creation of values and social responsibilities towards society, that will eventually transform Singapore by the end of this decade.
Frankly, after this Budget announcement, and the ones prior to 2013's which has other variation of incentives, those running SMEs like myself are still in a state of 'blur-ness'. Totally blur, as in, being able to claim for grants for computer and related IT purchases, and exciting training programs, but not knowing which direction to go. In my case, I've 2 years of Productivity and Innovation credits unclaimed, as it does appear such a hassle. IRAS tax officers, as usual, try to help explain the brochures they put up, but I was still at sea. And IRAS of course would not help you to fill up the form, only guide you, but that's not very helpful as often, the interpretation of succinct terms can really set you off on a merry turnaround. Certain claims e.g. for R&D would have to be justified in a report or proposal form.
SMEs already have a lot to grabble with to ensure everything runs tip-top, so it would be something I'd rather hire someone to do. The company accountants don't specialise in Productivity and Innovation Credit (PIC) claims, so were of no help. It's only this year that I located an agency with experience on grants.
It is also only this year that I discovered that the SME Centres and Representatives from various Government Agencies host public briefing series to help address queries on issues faced by SMEs. So if you are wondering which government assistance scheme to tap, there is consolidated help at hand now. There is an opt-in for a one-to-one session as well.
The briefing I attended on September 24, packs the HDB Hub Auditorium. The Q&A indicates that I wasn't the only one in the blur when it comes to government assistance schemes. So a good number of SMEs are struggling on their own. Probably thinking the Budget 2013 benefits are meant for bigger companies. We may all be experts in our field, yet when it comes to grants, count me in for another session in November. That's because in the first session, I don't even know what to ask, since despite the expert officers trying to capture the technicalities into easy-to-understand slides, there was still a lot of technical language that warps immediate comprehension.
The agenda is actually quite comprehensive and interesting. The officers put in quite a lot of planning into it. When you see someone put in so much effort, it's only natural to want to support it.
Hope the agenda would see future rounds:-
July 10 2013Public Briefing by: SME Centre@SMF (Singapore Manufacturing Federation)
■ SME Centre Engagement with SMEs
■ Navigating Government Assistance Schemes
■ Broadbased Government Schemes: PIC and ICv
August 03 2013Venue: Kampung Ubi Community Centre
Time: 1pm - 5.30pm
■ Broad Based Government Assistance Schemes
by SME Centre@ASME
■ Special Employment Credit (SEC) and Workright
by CPF Board
■ Productivity and Innovation Credit (PIC) & Wage Credit Scheme (WCS)
by Inland Revenue Authority of Singapore (IRAS)
September 24 2013Public Briefing by: SME Centre@SICCI (Singapore Indian Chamber of Commerce and Industry)
Venue: HDB Hub, Toa Payoh
Time: 1pm - 5.00pm
■ Enterprise Training Support & Workpro
by WDA
■ E-Commerce & IT for SMEs
by SIRC@SIRS
■ Productivity and Innovation Credit (PIC)
by Inland Revenue Authority of Singapore (IRAS)
■ Government Assistance for SMEs
by SME Centre@SICCI
■ Panel Question and Answer
by WDA | SIRC | IRAS | SME Centre
■ Pre-registered Advisory Session
by SME Centre@SICCI
October 08 2013Public Briefing by: SME Centre@SICCI (Singapore Indian Chamber of Commerce and Industry)
(Mandarin)
Venue: SICCI Exhibition Room (Auditorium)
Time: 2pm - 5.00pm
■ Launch of SME Centre @ SCCCI
■ Introduction of SME Centre Services
■ An Introduction of Broad based Advisory Programme
Sharing of Government Schemes (iSPRINT, PIC, ICV, ETS, MRA)
■ Rising to the Challenge
by SME Sharing: Tocco Studio and Top Gourmet
■ Booth Display, Network and One-to-One Advisory
by Government Agencies
October 21 2013Public Briefing by: SME Centre@SMCCI (Singapore Malay Chamber of Commerce and Industry)
(Some parts in Malay)
Venue: Kampong Ubi Community Club
Time: 2pm - 5.00pm
■ Broad-based Government Assistance Schemes
by SME Centre@SMCCI
■ Presentation of Tax-based Schemes
by IRAS
■ Question and Answer
by All Speakers
■ Breakout Session and Light Refreshments
by Government Agencies
November 12 2013Public Briefing by: SME Centre@SMF (Singapore Manufacturing Federation)
Venue: SMF House
Time: 2pm - 5.00pm
■ Productivity and Innovation Credit
by IRAS
■ Innovation and Capability Voucher Scheme
by SPRING Singapore
■ Enterprise Training Support Grant
by SME Centre
■ SME Talent Programme
by SMF
■ Question and Answer
by Government Agencies and SME Centre
In 2005, ASME (Association of Small and Medium Enterprises) set up the EDC (Enterprise Development Centre) with the support of SPRING Singapore. In order to better resonate with aspirations of SMEs, the EDCs have expanded to become known as SME Centres.
A segment of SMEs in Singapore are set up after a period of retrenchment or unemployment. Another segment comes from the older age group who may find it tough to get a job that befits their experience and qualifications, and often have to made do with underemployment. In fact, I met some ex-colleagues during the briefing who were in these situations.
One of the challenges faced by SMEs, in particularly new start-ups, remains the lack of coordinated advice. As mentioned in my previous post, even with the help of my previous MNC mgt who allowed me to 'inherit' the project 'lock, stock and barrel', I was still running from pillar to post seeking help and advice during the process of setting up a Pte Ltd Company. Despite the retinue of secretaries and accountants that one can hire, there would always be essential information that company directors, especially, should take responsibility to be aware of. There is a learning curve which actually never ends, bearing in mind that dynamic changes both regulatory and in the marketplace is a norm in business.
Since SMECentre@ASME is extending its reach to help SMEs and start-ups, this is a good time to contact one of their business advisors.
Saturday, September 14, 2013
Two Things In Life You Need to Have Everything
This came from the email of Enoch Tan, author of a top selling ebook known as "Reality Creation Secrets - Law of Attraction". (we re-write the original text into concise form below)..
Two Things in Life You Need to Have Everything
Life is simple.
In returning to simplicity, there are only two things you need to focus on acquiring:- Money and intelligence.
Money and intelligence are the two things that define who you are and what is immediately accessible to you. The more you have of these two things, the more you can have the other things in between which are freedom and power.
Intelligence empowers you to make money, and money is power to buy you the choices and freedom in life.
Of the two, intelligence is the higher thing.
But money is important as well. You need to be established on Earth in order to use it as a propelling board to create whatever is necessary to fully go after and acquire more intelligence in terms of knowledge and experience.
Having these two things is equivalent to having everything else. These are the core and all things connect to the core.
Intelligence is the inner world, and money is the outer world.
Money consists of the actual possession as well as the how-to knowledge of attaining it.
The how-to is the inner world or intelligence aspect of money.
Combining the two worlds, you can obtain power and freedom.
Your primary focus should be on these two things.
Enoch Tan
https://www.facebook.com/mindreality
Two Things in Life You Need to Have Everything
Life is simple.
In returning to simplicity, there are only two things you need to focus on acquiring:- Money and intelligence.
Money and intelligence are the two things that define who you are and what is immediately accessible to you. The more you have of these two things, the more you can have the other things in between which are freedom and power.
Intelligence empowers you to make money, and money is power to buy you the choices and freedom in life.
Of the two, intelligence is the higher thing.
But money is important as well. You need to be established on Earth in order to use it as a propelling board to create whatever is necessary to fully go after and acquire more intelligence in terms of knowledge and experience.
Having these two things is equivalent to having everything else. These are the core and all things connect to the core.
Intelligence is the inner world, and money is the outer world.
Money consists of the actual possession as well as the how-to knowledge of attaining it.
The how-to is the inner world or intelligence aspect of money.
Combining the two worlds, you can obtain power and freedom.
Your primary focus should be on these two things.
Enoch Tan
https://www.facebook.com/mindreality
Wednesday, August 14, 2013
Swordsman
My TV kakis (buddies) scram whenever they see a non-English show that has no English subtitles.
So when I flipped the StarHub Demand TV control to Swordsman, poof! everyone left and right of me vanished.
I'm glad I sat through all 42 episodes albeit with fast forwarding mode on most times.
It's a drama series with a mix cast from Taiwan and China, that for some reason, comes with no English subtitles. To those not versed in this language, the Mandarin can be quite cheem ("not easy to comprehend") in some parts. Luckily, despite my rusty Mandarin, I manage to catch the ball and the plot in this drama, so at least I haven't totally return the Mandarin teachings back to my school teachers.
Back to the drama.
Film location: Xiandu
Good chemistry between Joe Chen and Wallace Huo.
Ex-girlfriend/boyfriend in real life.
No chemistry at all with Yuan Shan Shan. Ouch!
In life, sometimes there are tragic circumstances..
..compelling a girl to take on a male role..
..when she is actually feminine.
Chen Xiao looks cool in both male and transgender roles..
Another Louis Cha's novel with enduring themes of love and self-discovery.
Brigitte Lin acted in the earlier film adaptation with Jet Li.
All feminine, she excels in both male and female roles.
So when I flipped the StarHub Demand TV control to Swordsman, poof! everyone left and right of me vanished.
I'm glad I sat through all 42 episodes albeit with fast forwarding mode on most times.
It's a drama series with a mix cast from Taiwan and China, that for some reason, comes with no English subtitles. To those not versed in this language, the Mandarin can be quite cheem ("not easy to comprehend") in some parts. Luckily, despite my rusty Mandarin, I manage to catch the ball and the plot in this drama, so at least I haven't totally return the Mandarin teachings back to my school teachers.
Back to the drama.
Howie Huang |
Film location: Xiandu
Good chemistry between Joe Chen and Wallace Huo.
Ex-girlfriend/boyfriend in real life.
Joe Chen & Wallace Huo |
No chemistry at all with Yuan Shan Shan. Ouch!
Yuan Shan Shan & Wallace Huo |
In life, sometimes there are tragic circumstances..
..compelling a girl to take on a male role..
Chen Xiao looks cool in both male and transgender roles..
Another Louis Cha's novel with enduring themes of love and self-discovery.
Brigitte Lin acted in the earlier film adaptation with Jet Li.
All feminine, she excels in both male and female roles.
Sunday, August 4, 2013
No more Dell Computers for Us!
Dell's after-sales sucks.
Dell revamps their product line quite fast and has a good marketing strategy in terms of reach-outs and pricing. As a result, we ended up purchasing both gaming and commercial PCs.
Over time, however, we've come to realise from dealing with assorted issues and personnel, that Dell has a rather rigid set of after-sales policies, as compared to other brands.
These incidents are what caused us to stop buying from Dell:-
Someone from Dell's India call centre rang to scold us for using the term 'lemon' in reference to the CPU that seems to have perpetual power signal issue. Shortly after his claim that there is no such phenomenon in the world as a 'lemon' unit, Singapore came up with its 'Lemon Law' for consumers.
It was the reason we landed up in the clutch of the PCG**** boss, with yet another lemon unit from Sim Lim Square.
The first Dell technician appears to get it right. However, in no time, it was down again. The second Dell technician screwed in 3 screws instead of 4, leaving the back ajar. The 4th screw simply couldn't go into the slot after the motherboard is changed. This caused another breakdown. His supervisor came down to rectify the issue.
We were repeatedly reminded that this was what is what is written into Dell's non-commerical desktop warranty.
Lengthy emails and calls were exchanged, ordering us, the customers, to follow very detailed steps including opening up the CPU in order to establish the root of the problem. This translates to an inordinate loss of time. The poor customers, not at all trained technicians, is forced to struggle through all the motions which should have been performed by a Dell technician. Despite our pleadings, this Dell feedback personnal refused to despatch any technician until we could pin down the specific part that he has to order. Is it the motherboard? Is it the RAM? Is it the power cable? The fan? Is it the connection? Over and over, he insisted that we do this, do that, try this, try that.
As layman, we could only describe the issues but that is insufficient to Dell. We followed the endless runs of instructions and steps. Since we have reached a stalemate despite months of troubleshooting over emails and phone, we were forced to hire own technician to help us locate what parts Dell should order. Mind you, this was all under warranty, yet we've had to pay for our own technician. He suggested that it is the motherboard, but baulked at opening up the Dell CPU proprietary parts as it is something that should be left to the Dell technicians. We were told many of his customers had also complained that Dell made them open up the CPU, something which can pose a safety risk to a layman.
Only after Dell realised that we were forced to pay for a technician to go through their lengthy list of instructions were they finally willing to send a technician down. By then, 6 months had elapsed. It took the Dell technician well over half an hour to locate the problem. And he was able to do that only by bringing an assortment of parts to replace one by one, to finally isolate the issue to the hard disk. Obviously, customers wouldn't be able to troubleshoot this on their own. Immediately, we emailed that idiot of a feedback guy, chiding him for putting us through unnecessary hassles, and applying the terms of Dell warranty so strictly. What a stingy warranty that is! If we had known, we wouldn't have paid for the extended warranty. Hell, we wouldn't even have purchased the Dell if we had been told beforehand. They can have the best model in the world, but we are not so hard up. There are so many alternatives on the market. He was unapologetic (no surprises), simply emailing that since the issue is now resolved (no thanks to him!), the case is closed!
No more Dell!
Lesson learnt!
We were told the dead drive is returned to the OEM for disposal but not much is known about the specifics of it. If you cannot afford to take chances exposing passwords, credit card numbers, private/proprietary information, or if you have to protect client's confidentiality, or if you simply unwilling to return the dead drive, the options are:-
* Use erasing softwares to delete data in the hard drive.
* Likewise, there are powerful recovery software that might recover
wiped files in part or full.
So some take it apart, clobbering it with a hammer.
* Pay for the replacement hard disk, even if it is still under warranty.
A 1TB hard disk costs $100+, so mark this provision in, if your
personal way of operation requires hard disk retention.
* Purchase Dell's "Keep Your Hard Drive" coverage, if available.
* Buy your computer only from brands/companies that allow you to
retain the replaced hard drive.
Not Green
From the Dell Dimension experience, it's not worth repairing after our 3-year extended warranty is over. The refurbished parts they used had not last long. In any case, except for the Alienware laptop series, Dell do not offer further warranty extensions beyond 3 years. This means that unless you know a technician who is familiar with Dell's proprietary designs inside the CPU, you'd have to be prepared to call it quits the next time the PC breaks down since most of the repair shops around town are not able to fix Dell CPUs.
We've managed to procure a technician who has the tools to access the parts, and we just might be able to get it done on our own with available new parts from the market. Nevertheless, we now prefer brands which allows us to source for new parts and replace / upgrade on our own when the warranty is up. PCs have a longer lifespan this way. We like conservation, especially since every time a a PC has to be changed, it costs us well over a week's time to set up everything anew on another PC.
Dell has good monitors which we will continue to support.
But for PCs, Acer has our vote for being the most serviceable.
Acer too, has the inevitable call for servicing and repairs that comes with usage, but is overall, a less fussy provider. Whereas Dell kept throwing the rule book at us. For Acer's extended warranty, so far, Harvey Norman has been providing good service.
Three customers who whipped out their wallets for the Acer Predator after learning of our plight with Dell remains happy troopers. So far, one Acer has to have its DVD Drive replaced. The initial troubleshooting from the customer's end was called for, but to a reasonable point, after which their technician came over. If we had gone for Dell, we'd probably have to wait weeks or months just to settle what Acer took 2 days to resolve.
As before, the breakdown happened just as Dell closes off for the weekend. Despite the fact that we have standby computers, this nevertheless caused disruptions to the work flow.
The technician came to change the parts, and advised that the PC be repaired at their place in future. This doesn't guarantee anything, as experience with the Dell Dimension had already shown.
We decided to just purchase a hard disk reader so that the next time this Dell goes down, we can pull out the hard disk, and plug it into the reader to be used via another CPU.
Indeed strange that 3 out of 3 Dell that we have had to repair would fail shortly after. We were advised by IT to treat each PC as having a lifespan of 3 years. We factored that in. However, in all instances, faults started appearing while the Dell was new and the ineffective repair works using refurbished parts simply translates to one hell of an exhausting ride with Dell PCs.
Dell revamps their product line quite fast and has a good marketing strategy in terms of reach-outs and pricing. As a result, we ended up purchasing both gaming and commercial PCs.
Over time, however, we've come to realise from dealing with assorted issues and personnel, that Dell has a rather rigid set of after-sales policies, as compared to other brands.
These incidents are what caused us to stop buying from Dell:-
Dell: "No such thing as Lemons!"
For Dell Dimension, we had a unit that broke down from Day 1. Each repair did not resolve the issue (sounds familiar). When we wrote in to ask why Dell used refurbished parts in their endless repairs, as refurbished parts appear to contribute to the constant breakdowns, we were told that even Apple uses refurbished parts.Someone from Dell's India call centre rang to scold us for using the term 'lemon' in reference to the CPU that seems to have perpetual power signal issue. Shortly after his claim that there is no such phenomenon in the world as a 'lemon' unit, Singapore came up with its 'Lemon Law' for consumers.
Dell Proprietary Parts
Dell CPU cannot be repaired by non-Dell technicians.It was the reason we landed up in the clutch of the PCG**** boss, with yet another lemon unit from Sim Lim Square.
Dell Commercial Laptop
For the commercial laptop that we purchased, within the first week of purchase, the motherboard was down. Contrary to their ad that customers will be given a new replacement, they insisted on sending a technician to repair instead.The first Dell technician appears to get it right. However, in no time, it was down again. The second Dell technician screwed in 3 screws instead of 4, leaving the back ajar. The 4th screw simply couldn't go into the slot after the motherboard is changed. This caused another breakdown. His supervisor came down to rectify the issue.
Latest incident
For the XPS8300, we were made to trouble-shoot on our own by Dell's feedback personnel to the extent that goes beyond what a responsible company would expect of a customer.We were repeatedly reminded that this was what is what is written into Dell's non-commerical desktop warranty.
Lengthy emails and calls were exchanged, ordering us, the customers, to follow very detailed steps including opening up the CPU in order to establish the root of the problem. This translates to an inordinate loss of time. The poor customers, not at all trained technicians, is forced to struggle through all the motions which should have been performed by a Dell technician. Despite our pleadings, this Dell feedback personnal refused to despatch any technician until we could pin down the specific part that he has to order. Is it the motherboard? Is it the RAM? Is it the power cable? The fan? Is it the connection? Over and over, he insisted that we do this, do that, try this, try that.
As layman, we could only describe the issues but that is insufficient to Dell. We followed the endless runs of instructions and steps. Since we have reached a stalemate despite months of troubleshooting over emails and phone, we were forced to hire own technician to help us locate what parts Dell should order. Mind you, this was all under warranty, yet we've had to pay for our own technician. He suggested that it is the motherboard, but baulked at opening up the Dell CPU proprietary parts as it is something that should be left to the Dell technicians. We were told many of his customers had also complained that Dell made them open up the CPU, something which can pose a safety risk to a layman.
Only after Dell realised that we were forced to pay for a technician to go through their lengthy list of instructions were they finally willing to send a technician down. By then, 6 months had elapsed. It took the Dell technician well over half an hour to locate the problem. And he was able to do that only by bringing an assortment of parts to replace one by one, to finally isolate the issue to the hard disk. Obviously, customers wouldn't be able to troubleshoot this on their own. Immediately, we emailed that idiot of a feedback guy, chiding him for putting us through unnecessary hassles, and applying the terms of Dell warranty so strictly. What a stingy warranty that is! If we had known, we wouldn't have paid for the extended warranty. Hell, we wouldn't even have purchased the Dell if we had been told beforehand. They can have the best model in the world, but we are not so hard up. There are so many alternatives on the market. He was unapologetic (no surprises), simply emailing that since the issue is now resolved (no thanks to him!), the case is closed!
No more Dell!
Lesson learnt!
Pay, or lose your Hard Drive
Dell requires customers to return their hard disk to Dell whenever a replacement is called for. Dell needs it back in order to get a new drive from the supplier. Likely, it discourages people from procuring another hard disk from the manufacturer by lying about drive condition.We were told the dead drive is returned to the OEM for disposal but not much is known about the specifics of it. If you cannot afford to take chances exposing passwords, credit card numbers, private/proprietary information, or if you have to protect client's confidentiality, or if you simply unwilling to return the dead drive, the options are:-
* Use erasing softwares to delete data in the hard drive.
* Likewise, there are powerful recovery software that might recover
wiped files in part or full.
So some take it apart, clobbering it with a hammer.
* Pay for the replacement hard disk, even if it is still under warranty.
A 1TB hard disk costs $100+, so mark this provision in, if your
personal way of operation requires hard disk retention.
* Purchase Dell's "Keep Your Hard Drive" coverage, if available.
* Buy your computer only from brands/companies that allow you to
retain the replaced hard drive.
Not Green
From the Dell Dimension experience, it's not worth repairing after our 3-year extended warranty is over. The refurbished parts they used had not last long. In any case, except for the Alienware laptop series, Dell do not offer further warranty extensions beyond 3 years. This means that unless you know a technician who is familiar with Dell's proprietary designs inside the CPU, you'd have to be prepared to call it quits the next time the PC breaks down since most of the repair shops around town are not able to fix Dell CPUs.
We've managed to procure a technician who has the tools to access the parts, and we just might be able to get it done on our own with available new parts from the market. Nevertheless, we now prefer brands which allows us to source for new parts and replace / upgrade on our own when the warranty is up. PCs have a longer lifespan this way. We like conservation, especially since every time a a PC has to be changed, it costs us well over a week's time to set up everything anew on another PC.
Dell has good monitors which we will continue to support.
But for PCs, Acer has our vote for being the most serviceable.
Acer too, has the inevitable call for servicing and repairs that comes with usage, but is overall, a less fussy provider. Whereas Dell kept throwing the rule book at us. For Acer's extended warranty, so far, Harvey Norman has been providing good service.
Three customers who whipped out their wallets for the Acer Predator after learning of our plight with Dell remains happy troopers. So far, one Acer has to have its DVD Drive replaced. The initial troubleshooting from the customer's end was called for, but to a reasonable point, after which their technician came over. If we had gone for Dell, we'd probably have to wait weeks or months just to settle what Acer took 2 days to resolve.
Update
5 weeks after repair works, Dell XPS8300 could not power on again.As before, the breakdown happened just as Dell closes off for the weekend. Despite the fact that we have standby computers, this nevertheless caused disruptions to the work flow.
The technician came to change the parts, and advised that the PC be repaired at their place in future. This doesn't guarantee anything, as experience with the Dell Dimension had already shown.
We decided to just purchase a hard disk reader so that the next time this Dell goes down, we can pull out the hard disk, and plug it into the reader to be used via another CPU.
Indeed strange that 3 out of 3 Dell that we have had to repair would fail shortly after. We were advised by IT to treat each PC as having a lifespan of 3 years. We factored that in. However, in all instances, faults started appearing while the Dell was new and the ineffective repair works using refurbished parts simply translates to one hell of an exhausting ride with Dell PCs.
Saturday, July 27, 2013
Hair for Hope 2013
After falling prey to dubious donation drives, we have to be careful about where our hard-earned moolah go to, especially in these days of rising costs.
In fact, I zealously guard any personal budget that goes to donation drives; and in fact, run an unofficial rescue mission targetted towards the cats and animals around us. There is a vast lack of compassion towards creatures who could not speak up for themselves.
Recently, however, friend Alan sms to solicit support for his passage into botak-hood (botak a.k.a. bald-head a.k.a. shiny-head), and more important, to support the Children's Cancer Foundation's Hair for Hope 2013 charity drive. In a year, CCF helps >500 children and their families who are at different stages of the illness.
Botaks and kids! Ohh! what a lethal combination to tug at one's heartstrings.
We couldn't refuse such a donation, of course, and Alan being a runner in charity marathons as well, receive fun jibes from several donors--
"Less hair = less wind resistance. Able to run faster, longer. All for a good cause."
"Keep on running! It's going to be more aerodynamic for sure."
"There will be another part of your body that I am admiring soon other than your calf. Good job!"
"Huat Ah! Bota head..."
On July 27 & 28, the shavees, groups or individuals, will all gather at Vivo City to make their Bald Statement.
Shine On, Botak Alan!
Wednesday, July 17, 2013
Mid-Autumn Mooncakes
We don't have autumn in Singapore, but we have autumn mooncakes as a consolation prize.
Spring Festival (a.k.a. Chinese Lunar New Year, 10 & 11 Feb) was just over not too long ago, and time zip by so quickly to bring forth the Autumn Festival.
I didn't realise that mooncakes and lanterns are already out on retail display until I zipped past the corridors of InterContinental Singapore, and a friendly voice called out to me from the booth to try a sample.
In a hurry, I picked just one flavour to try from the wondrous jars on display, and already I like it. It's a low-sugar version of the traditional white lotus seed paste mooncake.
This year, they have a new flavour - the Pulot Hitam (black glutinous rice) snowskin mooncake, inspired by the well-loved Peranakan dessert.
Photo Credits: InterContinental Singapore
|
Their popular signature treat is back too - the Durian Mooncake with Coconut wrapped in snowskin.
Photo Credits: InterContinental Singapore
|
Couldn't decide? They cover that too, with their 4-piece combination pack:
- Green Tea Paste with Dragonball
- Pulot Hitam
- White Lotus with Macadamia Nuts
- Sesame Paste with White Sesame Seeds
Photo Credits: InterContinental Singapore
|
But nothing brings back nolstalgia like the traditional ones..
Photo Credits: InterContinental Singapore
|
Look at that yolk!
The "low sugar" offering caters to the more health-conscious folks.
Photo Credits: InterContinental Singapore
|
Not forgetting the traditional Red Bean ones. The skin's quite thin too, unlike those let's-get-fat-together thick skins I've seen before.
Photo Credits: InterContinental Singapore
|
The packaging tells a story too. Man Fu Yuan (restaurant of InterContinental) partnered with Nanyang Academy of Fine Arts in a design competition. Student Ng Chee Yin's design was chosen from over 100 entries. His calligraphic interpretation of the ancient Chinese folklore of the mythical Jade Rabbit and the Moon Goddess Chang Er, symbolises reunions, a central theme of the Mid-Autumn Festival.
How not to get fat in Singapore? !
Tuesday, June 11, 2013
HXM @ Madame Tussauds, Hong Kong
The kids haven't seen a wax model before, so on to Madame Tussauds we go.
This time, to the Peak, we took the 3-in-1 combo. In this PT/ST/MT package, we get the tickets to go up via the Peak Tram, as well as access to the Sky Terrace 428 (it stands at 428 metres above sea level) and Madame Tussauds.
The Peak Tram is, unfortunately, known to have a perpetually long queue, and even once inside the tram itself, it really packs a crowd. The last ones in often get to stand. A car would really be a more serene way up, but there is always a reason why something is in popular demand. In this instance, the hassle quotient gets appeased once you're settled in the squeezy bench-like seats, and watch the scenic wonders unfold as the tram trots gently uphill, pulled by heavy steel cables. Savour the experience because this exhilarating ride doesn't last long - a mere ten minutes or slightly more, and it's over. Oh, mama!
Once pass the exit, we were right inside the Peak Tower, wondering if we should do the Sky Terrace first or Madame Tussauds. The weather was unpredictable. Dark clouds were ready to pour its load. We stood outside Madame Tussauds, and because it was quite empty of visitors, we forgot that there is another more ominous load to fear than the rain.
Having already experience the "***** Swarm" (let's not state the nationality here) whereby a place almost gets overtaken whenever busloads of these tourists arrive, we should have known better.
Instead, we got sidetracked by some shops, and then by hungry stomachs, and then got distracted by the misty views of the fog-laden valleys outside the Burger King balcony passage.
By the time we had our fill and was all ready to make the rounds, lo and behold! Madame Tussauds was swarmed with all creatures big and small, of the 2-legged kind.
You can hardly get any decent amount of photo opportunity with the more popular wax figures, since these were now totally surrounded. Andy Lau is an epitome of popularity with his model of likeness being the most caressed by strangers, male and female alike. Yes, even the guys didn't spare him. You could walk up and down the hall countless times hoping for a photo opportunity break only to find his wax figure almost permanently intertwined with someone's arms or legs, and often with lips of his fans adjoined to his cheek.
In contrast, Amitabh Bachchan appears neglected. I almost feel sorry for him.
The interesting bit about being in a Madame Tussauds wax museum is that you get to see physical characteristics up close. One of which is the height. Many public figures have been known to be inclined towards exaggeration when it comes to their height. Ethics-wise, Madame Tussauds should have captured the copy as close as possible to the real subjects they portray, although a two percentage allowance had to be rendered because wax shrinks.
We were surprised to see MM Lee Kuan Yew (the Madame Tussauds version) there, standing tall.
Another figure we didn't realise would be there was HXM (Huang Xiao Ming). Apparently, the attraction had chosen him to be its first male Mainland Chinese celebrity in November 2012. His wax likeness stands in the inner chamber. It was thankfully less jam-packed there than the zones we had just toured, so we took a breather there. I found myself touching the chin of this wax figure before realising it was HXM, the Condor Hero. This time, he was dressed as a shepherd, his role in "The Guillotines".
The wax and the man. Almost like twin brothers.
Photo Credits: mtime.com |
Each figure takes 4-6 months to create.
It costs approximately US$125,000 and more to make.
Saturday, June 1, 2013
Hong Kong Disneyland Hotels un-mystified
For our first trip to Hong Kong Disneyland, we wanted very much to stay in one of the Disneyland hotels there, and so thought it's a great idea to google everything on it.
Surprisingly, instead of whetting our appetite, the pre-trip over-reading actually has the reverse effect of killing our enthusiasm.
So many bloggers have been writing on it that the Disneyland hotels has become un-mystified. Sometimes, the reason for visiting a place we haven't visited before, is for the sense of adventure. In the case of Disneyland Hong Kong, every bit of it is so well covered by bloggers, that we almost know what to expect at every turn. The mystery and excitement of finding out for ourselves is gone. The place suffers from over-exposure and even before stepping in, we have the been-there-done-that feeling.
If you are the sort who likes to have a sense of wonder first-hand, read those blogs which offers tips rather than those diary-style ones which gives you a blow-by-blow account of their experiences. Disneyland is blogged on in a much more detailed manner than other destinations, with accompanying photo visuals, and as you go through these picture diaries, before you know it, it all begins to feel overly familiar.
Still, we feel that the Kingdom Club may add to our visit to Disneyland, and proceeded to view the options available at the Disneyland website. There were already quite a lot of blocked-out dates, where bookings would not be possible.
It didn't help that when we were trying to place reservations, we were attended to by a rep who couldn't seem to be clear-cut about the rates that is applicable. They have many different levels of packages and passes, so if the various computation are not clearly explained or accurately computed, the to-and-fro emailing can be such a hassle, one simply chooses the path of least resistance and either give in to sucker rates or give up. In our case, we simply couldn't get proper communication, with the rep repeatedly cutting-and-pasting different parts from the Disneyland Hong Kong website, when those are the exact same portions we wanted clarification on.
With time running out, we decided to skip the hotel-stay and just visit the Disneyland Park itself. Even here, the service falls far short. Some areas already looks quite run-down.
We like Hong Kong but all we can say is, Disneyland Hong Kong needs improvements and regeneration in so many areas.
Perhaps, they should consider Singapore as a venue once again.
Surprisingly, instead of whetting our appetite, the pre-trip over-reading actually has the reverse effect of killing our enthusiasm.
So many bloggers have been writing on it that the Disneyland hotels has become un-mystified. Sometimes, the reason for visiting a place we haven't visited before, is for the sense of adventure. In the case of Disneyland Hong Kong, every bit of it is so well covered by bloggers, that we almost know what to expect at every turn. The mystery and excitement of finding out for ourselves is gone. The place suffers from over-exposure and even before stepping in, we have the been-there-done-that feeling.
If you are the sort who likes to have a sense of wonder first-hand, read those blogs which offers tips rather than those diary-style ones which gives you a blow-by-blow account of their experiences. Disneyland is blogged on in a much more detailed manner than other destinations, with accompanying photo visuals, and as you go through these picture diaries, before you know it, it all begins to feel overly familiar.
Still, we feel that the Kingdom Club may add to our visit to Disneyland, and proceeded to view the options available at the Disneyland website. There were already quite a lot of blocked-out dates, where bookings would not be possible.
It didn't help that when we were trying to place reservations, we were attended to by a rep who couldn't seem to be clear-cut about the rates that is applicable. They have many different levels of packages and passes, so if the various computation are not clearly explained or accurately computed, the to-and-fro emailing can be such a hassle, one simply chooses the path of least resistance and either give in to sucker rates or give up. In our case, we simply couldn't get proper communication, with the rep repeatedly cutting-and-pasting different parts from the Disneyland Hong Kong website, when those are the exact same portions we wanted clarification on.
With time running out, we decided to skip the hotel-stay and just visit the Disneyland Park itself. Even here, the service falls far short. Some areas already looks quite run-down.
We like Hong Kong but all we can say is, Disneyland Hong Kong needs improvements and regeneration in so many areas.
Perhaps, they should consider Singapore as a venue once again.
Friday, March 15, 2013
Fairer Employment Pass System to protect Locals in the Workforce
Today's Headlines - Singapore: Move towards fairer hiring with tighter EP System
Singapore is to tighten the Employment Pass (EP) framework for hiring of foreigners later this year. This is to ensure a level playing field for citizens in the workforce and build up a Singapore core.
Particularly affected are the junior to mid-level Professionals, Managers and Executives (PMEs).
The intent of this latest framework is to:-
* Level the playing field for junior to mid-level PMEs
* Build in more safeguards against discriminatory hiring
* Put in place fair practices
Many Singaporean were affected one way or another:-
* Sacrifice work-life balance.owing to pressure from foreigners who are willing to
work longer hours without overtime compensation. For many foreigner PMEs,
their family is not here, and work is their primary hobby.
* Change in work nature and job scope. Locals being pressurised to take on multiple
tasks and responsibilities within the same position that they have always held or
face being replaced by a foreigner.
* Pay rise stagnant or at its minimum owing to competition from foreigners with same
qualifications but are willing to take lower pay
* Promotional prospects reduced to nil. Deprive locals of senior positions.
* Company perks like educational and work trips abroad are being snatched by
foreigners, particularly if they are familiar with the culture of the overseas country -
since they hail from those countries. This deprives locals of opportunities to learn on
the job.
* Discriminatory practice by category: Foreign bosses who prefer to hire their own
foreign compatriots. Without proper legislation, there is nothing to remind foreign
firms and foreigners working here of the social compact responsibility to the local
communities.
* Discriminatory practice by age: Singaporeans in their 40s and 50s being overlooked
in favour of younger 'foreign talents' in their 20s and 30s. This happens during job
application, as well as while still holding the job.
* Retrenched or forced to leave job due to displacement by foreign worker. Often, the
foreign worker is recruited directly from local Singapore universities.
* The perks for foreigners are plentiful.
Eligibility to apply for Permanent Residence (PR).
Buy cars, government housing and land in Singapore.
Option to convert to Citizenship.
For some foreign nationals, the usefulness of the Singapore passport to apply for
work in USA, and subsequently apply for the US Green Card is hugh.
In many cases, they even reinstate the original citizenship of their native country.
Singapore is not closing itself off to opportunities. It is not insisting that companies hire citizens regardless of merit. But at the rate it was going for the past few years, many locals are disadvantaged. Many local parents are worried about the future of their kids. If we now live in a workforce where the average common locals are being squeezed out by foreigners, how much worse would it be when it comes to the kids' turn?
In particular, a group that needs protection are the PMEs in their 40s and 50s. The Singapore workforce worships youth. Many in this age group who find themselves expelled prematurely out of the workforce has difficulty landing the same kind of job - ever again. If the reason for having to leave a company that one is committed to, is due to the impact of foreign PMEs, then something has failed in the system.
Some safeguards are in place, and the eligibility requirements for the affected sector will be tightened:-
* Minimum income for Q1 Pass S$3,000, up from S$2,800.
* Suspension of work pass privileges.
* Whistle-blowing unit.
* The number of foreign workers a company can hire is tied to the number of full-time
local workers it has. Under this quota, there is a minimum salary that the full-time
local workers has to be paid.
REACH, the Government's feedback channel for Singaporeans to air their views and suggestions on policies and national issues, announced March 18, 2013, that in a telephone poll of 927 citizens, close to 9 in 10 respondents were supportive of measures to tighten foreign worker inflow:
* 86.6% support measures to raise Foreign Worker Levies
* 89.3% support reducing the Dependency Ratio Ceiling in the Service and
Marine sectors
* 88.5% support tightening the criteria for S Passes and Employment Passes
* 69% support the Wage Credit Scheme, in which the government co-funds
the wage increases for Singaporean employees earning up to a gross monthly
wage of S$4,000, to encourage businesses to raise wages of these Singaporeans.
Email reach@reach.gov.sg to register for public dialogues.
Subscribe to:
Posts (Atom)