Ck Chai

A nobody that doesn't matter to anyone... A lost soul who doesn't know where she belongs...

Ck Chai

43Upvotes

About

A nobody that doesn't matter to anyone... A lost soul who doesn't know where she belongs...

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Ck Chai

43Upvotes
  • Answers (85)
  • Questions (0)
  • Reviews (2)

Loans

Ck Chai
Ck Chai,
Level 4. Prodigy
Updated 3w ago
Hi, I have similar experience but not exactly same issue as you. I loan my friend's bro money as start up capital and all in all, was cheated $30K. To make it worse, years later, I came to realise that my friend may have a part to play in the whole scam but there is no clear evidence. Felt stupid enough to place so much trust in her and almost all my hard earned money gone. I feel your heartache however, since legal means also can't help, the best way is to start afresh... Dwelling in it only cause yourself countless sleepless nights, which goes on for 2 yrs+ for me. I have since then moved on and treat it as a SUPER EXPENSIVE lesson! Instead of dwelling on what is lost, think of how you can grow your fund with your existing savings. All the best to you and may 2019 be a better year for you. Also, stop buying whatever branded goods from her that she cannot come up with receipt if you cannot even distinguish if those are genuine stuff.

Lifestyle

Ck Chai
Ck Chai,
Level 4. Prodigy
Updated 3w ago
These 2 pretty sum up my 2018... 😂😂😂 A lot of things have been going on this year, travelling, attending concerts, work, blogging, reviewing own financial health, etc... sometimes I just feel lazing coz mentally too tired & lack of sleep... ! !
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Career

Savings

Investments

Credit Card

Lifestyle

Ck Chai
Ck Chai,
Level 4. Prodigy
Updated 3w ago
Actually... have not been making resolutions for many years, but Seedly's "5 Days of Christmas", is making me think hard of what I want for 2019. hahaha.... Basically for 2019, I am looking at: - Financial housekeeping, working on cutting unnecessary expenses and insurance. - Attending investment courses to equip myself with knowledge and start on other investing options apart from SSB & STI ETFs. - Getting my own flat. - Work on how I can miximise my CPF savings - Snack less and excercise more! Hope to cut a bit of weight and most importantly to keep myself healthy & fit!

Endowment Policies

Investments

Insurance

Ck Chai
Ck Chai,
Level 4. Prodigy
Updated 3w ago
If there’s a chance, I would tell the teens me not to buy endowment coz after 23 years near maturity, I just managed to break even. It is not even 1/2 of projected value as last checked, estimated matured value is now $13K+ vs originally projected $20k+. it was my very first policy bought when I'm totally ignorant of the pros and cons. However, endowment may works for those without saving discipline. Best to buy without the riders. Having said that, there are other investment instruments that provide greater flexibility.

General

Ck Chai
Ck Chai,
Level 4. Prodigy
Updated 3w ago
I would love to talk to my dad’s friend, Uncle Cai Zhemin who used to dote on me... I was sorry to have intentionally avoid visiting him when he showed intention to matchmake me with some nice guy... 😰 However, I never expect that during the interim, he gotten into some severe sickness and passed on... I knew he genuinely cared and loved me as though his own daughter & am still feeling guilty till date... 對不起蔡伯伯... 😔

Loans

Ck Chai
Ck Chai,
Level 4. Prodigy
Updated 3w ago
Can I share my experience with you? I got cheated by my friend‘s bro by loaning him for capital start up and he run away with the $30K which I have been saving hard for more than 10 yrs! Felt anguish for my stupidity, esp after sometime, I feel that my friend may have played a part in the scam! I do not earn much, $30K is an hefty amount! I dare not even share with anyone and been living in sorrow for years. 😭 Even with police report, it’s useless as he‘s gone. Yes, it sucks to know someone is enjoying life with your hard earned money, but to continue dueling with it only makes yourself more miserable... What’s lost is lost, and life must go on. I just gotta suck thumb & acknowledged that money is gone forever and start from scratch again. It’s not easy, and I feel embarassed to share the miserable amount of savings I have, at this age. But I finally saved enough emergency fund to cover for myself & my old folks, and working towards better financial & retirement planning. Now I’m waiting for karma to fall upon the Scammer. May you move on and be a happier person. 🙏🏻

General

Ck Chai
Ck Chai,
Level 4. Prodigy
Updated 3w ago
There's really no need to envy people leading instagrammable lifestyle. What you see on the feed may not be real deal. Some of the igers have curated their gallery which is why you are always seeing the nicest and best stuff. While what I posted on my feed are mostly food that I eat with my friends, stuff that I experienced myself or sponsored; I do encounter strangers coming over to my table, asking permission to take pic of our instagrammable food just for their feed. Some people actually borrow luxury items from family and friends to pose for a shot, but these are never in their possession. And sometimes, some of the sponsored items are only "on loan" for the period of review, and this is something you won't know and they won't tell... P/S: Sometimes we go cafe with friends and each may order differently, we may take different shots of inidividual dish, or a table full of dishes, the cafe setting, etc. You probably won't realise that you are seeing 5 separate posts where photos all taken during that 1 particular cafe visit! ;)

Career

General

Ck Chai
Ck Chai,
Level 4. Prodigy
Updated 3w ago
I agree with HC, to me, the most important factor is good attitude. 1. Without good attitude, even with great uni results, the staff may not bother to learn and put in effort to make things work. 2. With some work experience and proven track records, it certainly helps even though the result is average. 3. Bad result may be due to earlier years not keen in studies, etc but that doesn't mean one can't achieve results. As long as one is willing to learn and put in the effort, he/she will still stand a chance, just that it may seem tougher when competiting with the former 2. However, now many companies tends to give the interviewees to do personality test to find the suitable candidate, so with the correct attitude, one may stands out! But then, for statutory boards, it may be a different set of benchmark as it is undeniable that they are look into more academic wise.

General

Ck Chai
Ck Chai,
Level 4. Prodigy
Updated 3w ago
- Greatful that I'm alive, healthy and kicking... - Grateful that there will always people who are willing to lend their helping hands when I'm in need - Greatful to have joined Seedly and picking up tips towards financial amd retirement planning, late is better than never!

Insurance

Loans

Ck Chai
Ck Chai,
Level 4. Prodigy
Updated 3w ago
Agree with James, this is likely a scam.The returns are too good to be real!
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Level 4. Prodigy
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