Upable Insurance Agents Exchange

[Cunnosieur]

Anyone has such contacts/experience with chio insurance agents?

We can exchange lobang via pm.

[L P P L]

Does it mean u need to buy a policy fm each one you bonk ..:)

Costly leh liddat ... :(

[Valuesman]

bro, u mean those insurance agent can bonk one or need to buy policy from them then can bonk??

[sniperboy]

The most I see, movie with this above average looking insurance lady. However, I ended up buying more policy from her.:(

[vkoolboi]

Up senior bro Cunnosieur for starting this interesting thread.

I think insurance policy nowadays can give rebate. I bought one policy from a guy and he buy me an overnite bonk from a FL. Quite good. Now he quite insurance business and go into property selling but I can't afford to buy a house for a bonk.

So far I never encounter any lady sell insurance give bonk rebate. Any bro wish to tell their story here?

[Devastator]

Wow, buy a policy and gets an overnite bonk? What an idea man !

[me|zuo]

Up senior bro Cunnosieur for starting this interesting thread.

I think insurance policy nowadays can give rebate. I bought one policy from a guy and he buy me an overnite bonk from a FL. Quite good. Now he quite insurance business and go into property selling but I can't afford to buy a house for a bonk.

So far I never encounter any lady sell insurance give bonk rebate. Any bro wish to tell their story here?

the "rebate" is actually their commissions... which means if they give u a gift, vouchers or other rebate, it means that they earn lesser...

anyway, fyi, if u buy a policy which is about $100 per month, they will be earning 50%, which is $50 for every month that u are paying, for the 1st year... subsequent years, the percentage of the commission will drop, but as long as u are paying, they will be earning...

so if next time any bro wanna buy a policy, remember to ask for a rebate!!! it a must!! unless u very rich, dun care about the small amount of money....

:o :p

[KangTuo]

I think insurance policy nowadays can give rebate. I bought one policy from a guy and he buy me an overnite bonk from a FL. Quite good.

Rebate by buying u overnight bonk? You must have bought a huge amount..
I asked my agent (friend) to buy me a ST with the China mei mei in GL, but always give excuse that the commisssion is too little.... Only can buy me 1 pack of a dozen condom.

Does it mean u need to buy a policy fm each one you bonk ..
Costly leh liddat ...

buy a policy that cost less than $100/mth.. pay 3mth upfront than terminate it... not costly in this case.
I know that there is a 'cooling off' peroid for the policy you buy. When u cancel the policy within the 'cooling off' period, no cost will be incurred..

[me|zuo]

the "rebate" is actually their commissions... which means if they give u a gift, vouchers or other rebate, it means that they earn lesser...

anyway, fyi, if u buy a policy which is about $100 per month, they will be earning 50%, which is $50 for every month that u are paying, for the 1st year... subsequent years, the percentage of the commission will drop, but as long as u are paying, they will be earning...

so if next time any bro wanna buy a policy, remember to ask for a rebate!!! it a must!! unless u very rich, dun care about the small amount of money....

:o :p

Sianz got an idiot zap me... nv leave nick n reason... wat a coward..

[tomvoyeur]

I know that there is a 'cooling off' peroid for the policy you buy. When u cancel the policy within the 'cooling off' period, no cost will be incurred

I think u r refering to the free look provision. This window starts after u received the policy document and closes 14 days thereafter. U can cancel the policy within this window and received the refund of your premiums net of any operating costs.

[JWNY]

Sianz got an idiot zap me... nv leave nick n reason... wat a coward.. Must be an agent! ;)

JWNY

[vkoolboi]

If really buy insurance then should not anyhow cancel the policy. Like that not fair for everyone and if the situation change so much, cancel the policy and pass the money to the agent for his/ her hardwork.

Anyway, I don't mind buying a policy from pretty chio insurance agent who can offer ONS. I will pay on annual premium instead of monthly. Any bro here got intro, please tell me.:)

I think u r refering to the free look provision. This window starts 14 days after u received the policy document. U can cancel the policy within this window and received the refund of your premiums net of any operating costs.

[me|zuo]

Must be an agent! ;)

JWNY

ya muz be a coward agent lor... i was merely stating some facts for ppl here to see... then he zap me.. only leave one word.. stupid...

[memorablez]

Anyone has such contacts/experience with chio insurance agents?

We can exchange lobang via pm.

Bro....sians leh....no contacts to exchange leh... but willing to buy from this agent if ure willing to pass on her contacts to me.. hehe :rolleyes:

[Deztruct]

buy a policy that cost less than $100/mth.. pay 3mth upfront than terminate it... not costly in this case.
I know that there is a 'cooling off' peroid for the policy you buy. When u cancel the policy within the 'cooling off' period, no cost will be incurred..

usually agents are not tat dumb also..they will wait until the 14 days over then give u rebate..if not then everyone cancel..they eat grass? :rolleyes:

[Yahoo.com]

I bought one policy from a guy and he buy me an overnite bonk from a FL. Quite good. Now he quit insurance business and go into property selling but I can't afford to buy a house for a bonk.
Now have u found the reason of him quitting? :confused: I believe he cant survive by giving rebate.

On the other hand, if chio female agent offer 'sex' for business. She will live to be a Legend in the Industry :rolleyes:

[forumer]

this kind of lobang quite hard to find

[WillamSexsphere]

ya muz be a coward agent lor... i was merely stating some facts for ppl here to see... then he zap me.. only leave one word.. stupid...

Hahaha..must be someone in the insurance industry.

But sometimes, do pause before the lower-head takes over.

Insurance job is not an easy job, espacially for those just starting out. They dont earn a fix salary and has no CPF. It's no joke on the hours they put in and the service they provide in order just to earn that miserly few bucks in the first few years. Sales is not an easy job, with targets to hit and will go hungry if they don't earn their commissions. I know because i started out my working life as a salesman (not insurance) pounding the hot streets to earn a buck to support my studies.

However, as much as some hate the 'pesky' persistant insurance agents who do not understand the meaning of 'no', the insurance industry is still a respected profession and the proffesionals there are respectable folks, worthy of respect for their diligence and hardwork, as well as convincing us of our own very seldom thought of critical needs for insurance cover in our ever rising medical and living standards. Try selling insurance yourself if one thinks it's easy.

While there may be rare and isolated cases of sales ladies offering sex to achieve targets, is it right for us to take advantage of insurance folks, and sales people, trying to earn an honest living, by waving our dollars in their face to tempt them to have sex with us? Are we so deprived of sex and WLs that we need to descend to the level of a beast to wolf after chio honest decent working girls?

To each his own i guess.

PS. I am not the one who zap and had never zap anyone before nor intend to do so, but if it pleases anyone to zap me for this post, then be my guest. I have never fear speaking out before although i do my best to be as diplomatic as possible while putting my points across. Cheers!:)




.

[sukhoi]

would be nice if chio agents would bok for policy but if they do bonk,they must bonk u for a BIG BIG policy

[just4fun]

actually i think it would be a idiotic things even to think about...U think u buy an insurance from some chio bu agents and they willl offer free sex in return...

if this is the case, why dun they be FL...certainly can make more money then...than going after your miserable premium (no matter how much u buy from them....unless u make her the MDRT right away)....

of cos....there are certainly some cases on ppl bonking insurance agets...but i think the deciding factor is certainly not because u buy an insurance policy from them...but the charisma...charm u cast on them or watever u call it... This can be categorised as ONS or watever but certainly not transactional...

anyway, insurance is a profession, so pls do respect this profession...I myself is not an insurance agent....but i despise ppl who think they can capitalise on ones trade to satisfy their lust....

[vfv_slr]

Juz sharing my experience.

There was once a fren of mine, she was just that close to the million $ table and the closing date was v near, she asked to buy a plan under my name and will pay for the 1st yr!
Too bad she is a fren, if some1 else I would have ask for something more! heehee!

[Iwant2fuck]

While there may be rare and isolated cases of sales ladies offering sex to achieve targets, is it right for us to take advantage of insurance folks, and sales people, trying to earn an honest living, by waving our dollars in their face to tempt them to have sex with us? Are we so deprived of sex and WLs that we need to descend to the level of a beast to wolf after chio honest decent working girls?

.

Good for you.

One type of rice feeds hundred types of people. Most people don't have respect for themselves. If want to seek fun, then pay for it. Getting rebates or specials will lead us down the road like many countries that SUPPLY these fun.

Why? Because over there, your daughter/wife/mother need to give 'rebates' to their bosses/supervisors to give them their job/salary. Think about it, next time you take your salary, your boss ask to f you or a rebate......if not, then he hires another china guy/girl who will.

How would you feel about going down that road? You want to be paid for effort and talent or your want to be half paid just because you give rebate?

PS: Might as well change this thread to MLM agents, no 14 days, every month you ask so that she can meet quotas. sheesshhh.

PPS2: I heard from people that the reward for anyhow buy this type of rebate policies is MORE lost of money. Because you anyhow buy, the agent also anyhow write. End up after paying for a few years, or even many many years, you cannot claim because you didn't declare this and that. Also cannot surrender because will lose $$$. Then how? Small $$ win, then lose big $$$$

[shua]

Hahaha..must be someone in the insurance industry.

But sometimes, do pause before the lower-head takes over.

Insurance job is not an easy job, espacially for those just starting out. They dont earn a fix salary and has no CPF. It's no joke on the hours they put in and the service they provide in order just to earn that miserly few bucks in the first few years. Sales is not an easy job, with targets to hit and will go hungry if they don't earn their commissions. I know because i started out my working life as a salesman (not insurance) pounding the hot streets to earn a buck to support my studies.

However, as much as some hate the 'pesky' persistant insurance agents who do not understand the meaning of 'no', the insurance industry is still a respected profession and the proffesionals there are respectable folks, worthy of respect for their diligence and hardwork, as well as convincing us of our own very seldom thought of critical needs for insurance cover in our ever rising medical and living standards. Try selling insurance yourself if one thinks it's easy.

While there may be rare and isolated cases of sales ladies offering sex to achieve targets, is it right for us to take advantage of insurance folks, and sales people, trying to earn an honest living, by waving our dollars in their face to tempt them to have sex with us? Are we so deprived of sex and WLs that we need to descend to the level of a beast to wolf after chio honest decent working girls?

To each his own i guess.

PS. I am not the one who zap and had never zap anyone before nor intend to do so, but if it pleases anyone to zap me for this post, then be my guest. I have never fear speaking out before although i do my best to be as diplomatic as possible while putting my points across. Cheers!:)




.

Bro... couldnt agree n thk u more.

I am an agent (male, bros here no need to ask bonk frm me, hee hee). Its not easy doing wat we do. Am very glad that quite a few bros here, gives us the due respect. THKS!!!!

But i have to say that, sadly enough, recently i hear of real incidents of an agent needing to hit some targets n sleep with clients. But as expected, she did not last very long in e business. HOW SUSTAIN!!! HAIZ....

[FerrariF1]

The female agents (i means really CHIO ones) that would sleep with me to get my company business. Not for individual policy. When handling corporate accounts, the agents (or rather brokers) would do more or less anything to close a deal. In the end the business went to a friend, who buy me KTV, same also :D

I was worried the gals would blackmail me later, that is why i decline to bonk them. Can never be too careful.;)

[BeckTan]

I was worried the gals would blackmail me later, that is why i decline to bonk them. Can never be too careful.;)[/QUOTE]

Bro.I think you have a point there.Will nvr know wat will happen next.Even that how many ppl can resist if really hv this opportunity.I cant resist :p

[DOM ROUGH]

HI bros, had heard of a cases from my fren in insurance line, that 1 female agent always not in office. She only come in office to submit case and usually the cases she submitted is damm big cases. And heard from her close fren that she sleep around jus to take cases. But then heard she not the tall n pretty kind. Jus average and abit ba ba. :eek: So guess there are this kinda ppl in this industry. Bros, jus be patient and find. :p

[me|zuo]

the "rebate" is actually their commissions... which means if they give u a gift, vouchers or other rebate, it means that they earn lesser...

anyway, fyi, if u buy a policy which is about $100 per month, they will be earning 50%, which is $50 for every month that u are paying, for the 1st year... subsequent years, the percentage of the commission will drop, but as long as u are paying, they will be earning...

so if next time any bro wanna buy a policy, remember to ask for a rebate!!! it a must!! unless u very rich, dun care about the small amount of money....

:o :p

tio zap for the 2nd time... this time still same.. no reason no nick... only leave the word idiot...

since he zap me again, i decide to provide more info on insurance...

normally for an agent to give the client gift(ONS?? lol) or rebate, he/she will definitely wait after the 14 day free look provision like wat other bro had mentioned..this is because if the agent give u the gift/rebate (ONS??), but u decide to cancel, the agent will earn nothing n will have to pay for the gift out of his/her personal expense...

some bro mentioned to terminate the policy after 3 months (of cos after u had received ur ONS or gift or rebate), actually this would be that the agent would only earn 3 months of commission, and further more, he/she will suffered a reduced reputation or persistency from the company for introducing 'short term' or 'unreliable' customer..

[laodi123456789]

Its better to get an Insurance agent who give you sound financial advice. If they look ugly it will help you to concentrate on how good their (non sexual) services they give you. Life insurance is not a $150 bonk. Its $150 every month. A good agent will also be there to give you advice in the future years, where to invest your money etc.

I know someone who had a crappy male agent. Lost 50,000 dollars because the agent did not perform his job properly. You can try to bonking those
chio bu agents, but if they performed badly with your money will you still be shiok?

[cockup]

I am not an insurance agent so not sure about how they calculate their commision. But if I not wrong, the amount of commision is different based on the type client purchased, eg Life insurance, Hospitalise and accident policy, Investment policy etc. I think some policies may only give a one-time commision while some give monthly. I know a lady friend of mine, not bad looking and tall.... who had joined as insurance agent and is desparate to earn money fast or even to find a rich husband. If I am rich enough sure can get her be my wife. Think some agents do sleep with their client for policy, but don't dream of it unless you are buying policy that can give the agent a commision of at least $5k a month or one time off commision of $10k.

[surfer888]

tio zap for the 2nd time... this time still same.. no reason no nick... only leave the word idiot...

since he zap me again, i decide to provide more info on insurance...



I got zapped on another similar thread previously as well. No worries... up you 5 pts to compensate.

[The_Unrepentant]

Any
upable chio teacher?

i send my kid there the teacher let me up her.

upable doctor.

i go see her she let me up her.

upable chicken rice seller.

I buy chicken rice from her she let me up her.

upable mp.

I vote for her she let me up her.

upable actress, e.g lin zhi ling

I watch her movie she let me up her.

tui.:rolleyes:

[me|zuo]

I got zapped on another similar thread previously as well. No worries... up you 5 pts to compensate.

thanks a lot bro.. but that coward had zap me for the third time.. leaving no reason no nick...this time again.. one word.. clever...

more info abt insurance, this time Investment linked related... i believe most bro would know about using CPF to purchase investment linked related product.. the commission the agent will be earning from u is about 3-4% (not very sure becos CPF board had announced to cut down the cost, so commission may reduce)

Eg if u use $50,000 of ur CPF Ordinary/Special Account to buy a invesment related policy... the agent will earn 3.5%*$50,000=$1,750.. it a one off commission..

however, a bit troublesome for using CPF ordinary account, cos u have to go to a bank personally to open a investment account... BUT this is also one technique that u can get to meet the agent for more time n persuading her to offer u "special"... by delaying to open the investment account, asking her to explain more, accompanying u to the bank...

To all bros who is going to purchase a policy, DIE DIE muz get rebate from agent, they dun deserve to earn SO MUCH, their job is juz to help u to fill up some application doc and that all.. agent asking u out for review is because they want to get u to buy a new policy, NOTHING ELSE(of cos there are also some genuine agent around who juz want to render their services to you and keeping constant contact with u)

TO THE COWARD WHO ZAP ME 3 TIMES, I DUNNO WAT IS UR MOTIVE, BUT U ARE JUZ A COWARD.. I GUESS U WILL BE ZAPPING ME FOR NO REASON AGAIN..

BUT GUESS WAT? I GOT MORE POINTS THAN WAT I INITIALLY HAVE BEFORE U ZAPPED ME...THANKS TO ALL BRO WHO UP ME TO ENCOURAGE ME TO FIGHT WITH THIS TYPE OF COWARD..... :D :D

[horsepunter]

How can the same person zapped you 3 times??????
Maximum is one time only.

[Xiao Long]

however, a bit troublesome for using CPF ordinary account, cos u have to go to a bank personally to open a investment account... BUT this is also one technique that u can get to meet the agent for more time n persuading her to offer u "special"... by delaying to open the investment account, asking her to explain more, accompanying u to the bank...

To all bros who is going to purchase a policy, DIE DIE muz get rebate from agent, they dun deserve to earn SO MUCH, their job is juz to help u to fill up some application doc and that all.. agent asking u out for review is because they want to get u to buy a new policy, NOTHING ELSE(of cos there are also some genuine agent around who juz want to render their services to you and keeping constant contact with u)

TO THE COWARD WHO ZAP ME 3 TIMES, I DUNNO WAT IS UR MOTIVE, BUT U ARE JUZ A COWARD.. I GUESS U WILL BE ZAPPING ME FOR NO REASON AGAIN..

BUT GUESS WAT? I GOT MORE POINTS THAN WAT I INITIALLY HAVE BEFORE U ZAPPED ME...THANKS TO ALL BRO WHO UP ME TO ENCOURAGE ME TO FIGHT WITH THIS TYPE OF COWARD..... :D :D

Hi, I am not an insurance agent, and I am not the one who zap you, just a newbie.

It may seems easy money to you what this insurance agent make, but have you ever thought how they end up getting clients .....

Most people avoid them like they are pariah ... hv you been introduce to insurance agent n you worry he/she will hound you to buy policy ,.... it is not an easy life being an agent, and they definitely deserved what they make, what they earn may be alot, but compared top property agents ... peanuts..

[Xiao Long]

Any
upable chio teacher?

i send my kid there the teacher let me up her.

upable doctor.

i go see her she let me up her.

upable chicken rice seller.

I buy chicken rice from her she let me up her.

upable mp.

I vote for her she let me up her.

upable actress, e.g lin zhi ling

I watch her movie she let me up her.

tui.


Bro, liddat every profession also must be upable leh ... :D

[cornercorner]

,.... it is not an easy life being an agent, and they definitely deserved what they make, what they earn may be alot, but compared top property agents ... peanuts..



Compared the income of top Insurance agent to property agents.....
what the property agents earn is also peanuts!!!
you should compared apple to apple... based on what you say, there's no basis for comparison...

Zap me... as if i care... :cool:

[cornercorner]

To all bros who is going to purchase a policy, DIE DIE muz get rebate from agent, they dun deserve to earn SO MUCH, their job is juz to help u to fill up some application doc and that all.. agent asking u out for review is because they want to get u to buy a new policy, NOTHING ELSE(of cos there are also some genuine agent around who juz want to render their services to you and keeping constant contact with u)




i hope someone from the MAS read this.... i also hope they track down who you are and of course who is your agents!

Don't worry, you will not be in deep shit.. but god bless whoever is your agent! he may have to start a second career soon....

cheers! :cool:

[Xiao Long]

Compared the income of top Insurance agent to property agents.....
what the property agents earn is also peanuts!!!
you should compared apple to apple... based on what you say, there's no basis for comparison...

Zap me... as if i care... :cool:

Woh bro, I cant zap u, me newbie nia ...

My mistake typo, compare normal insurance agent and normal property agent, property agent make more, compare top insurance and top property agent, top property agent make more ...

hmmm, that sounds better ...

[icecum]

if dun need to buy maybe.............:cool:

[JChoo]

I read somewhere quite long ago that it is legal for insurance agent to give rebate. Some agent give more, some give less and some agent don't give. Anyway, if buying from friend, then I chin chye, take it as help friend.

I don't think MAS go after agent if he gives rebate. I bought 3 policies already and never rely on financial planning from agent. Just buy what I find is useful and read the terms on my own. My friend give me rebate but I decline and he buy me an expensive watch. I kept it:) until his birthday, then give it back to him. I chin chye with him, he also chin chye with me.

i hope someone from the MAS read this.... i also hope they track down who you are and of course who is your agents!

Don't worry, you will not be in deep shit.. but god bless whoever is your agent! he may have to start a second career soon....

cheers! :cool:

[dunknow]

well i presonally think agents are quite poor thing lor ..
of cos its irritating if they dun get ur NO..
but some of e decents one dat gives excellent financial advice ... i really respect them as they are really helping ppl ... :)
anyway how much commission they get also not a issue to buyers ba .. cos its e company paying for it :)

[KLKOOL]

She only come in office to submit case and usually the cases she submitted is damm big cases. And heard from her close fren that she sleep around jus to take cases. But then heard she not the tall n pretty kind. Jus average and abit ba ba. So guess there are this kinda ppl in this industry. Bros, jus be patient and find.

She probably doing commercial risk. Not ur run of the mill Life Insurance le. If you have that kind of business to give, can bonk anyone liao :D

The guys prob jealous, but prob the case of the girl know how to make the man happy and it may not be her doing the 'pleasuring' hehe

[KLKOOL]

I don't think MAS go after agent if he gives rebate. I bought 3 policies already and never rely on financial planning from agent. Just buy what I find is useful and read the terms on my own. My friend give me rebate but I decline and he buy me an expensive watch. I kept it:) until his birthday, then give it back to him. I chin chye with him, he also chin chye with me.
I think MAS cannot be bothered. People put $$ in ur pocket, u wanna give it back up to u. I think the poster is pissed off the rebate issue is out of the bag. hehehe. Thats y the guy kena zap so jialat.

[cornercorner]

I read somewhere quite long ago that it is legal for insurance agent to give rebate. Some agent give more, some give less and some agent don't give. Anyway, if buying from friend, then I chin chye, take it as help friend.


it is nvr legal to give rebate... it's a kind of inducement... which is a very serious case... but for "Choo" case your friend brought you an expensive watch... of course not inducement.. cos the receipt of the watch your friend can use it to claim tax rebate under business incurred expenses for his IRAS assessment...

anyway cheers.

[cornercorner]

I think the poster is pissed off the rebate issue is out of the bag. hehehe. Thats y the guy kena zap so jialat.


If you think that this is the reason so be it...
you don't know the consequences of giving rebates... try asking it from your agent next time you buy a policy... let's see what will happen....

anyway i respect my friend as a financial advisor he also respect me as his client! it's a mutual relationship... no monetaries terms involved!

Ppl who ask for rebates! PUI! PUI! PUI!

Givers has no limit in giving ... Takers has no SHAME!

[KLKOOL]

If you think that this is the reason so be it...
you don't know the consequences of giving rebates... try asking it from your agent next time you buy a policy... let's see what will happen....

anyway i respect my friend as a financial advisor he also respect me as his client! it's a mutual relationship... no monetaries terms involved!

Ppl who ask for rebates! PUI! PUI! PUI!

Givers has no limit in giving ... Takers has no SHAME!

Dont think u r the only one anything about the insurance industry horr,... pls lah. U only want to protect ur rice bowl. That is fair enough. But no need to give fantasies about how giving rebates will affect ur service quality, blah blah, blah ...

The only time an insurance salesman come is time to get u to upgrade ur premium. :rolleyes:

I dont ask for rebates, but if someone offers, of course i will take it.

[_AXL_]

more info abt insurance, this time Investment linked related... i believe most bro would know about using CPF to purchase investment linked related product.. the commission the agent will be earning from u is about 3-4% (not very sure becos CPF board had announced to cut down the cost, so commission may reduce)

aiyoh... go check the previous threads on insurance agents lah... this investment linked trick already suggested by me liao...

u still lucky, just lost some points. me stupid enough to share the contact with quite a few bros here who asked for the contact. gave the contacts and guess what??? the next time i saw my agent, she was telling me that some people actually called her up to ask whether she would really provide sex if they bought from her!!! she kinda suspected it was me cos she was quite new and the details i provided were accurate in the thread. yes, stupid of me again!!!:mad:

how stupid can people be, u ask??? actually, very stupid, to be asking people upfront about it. she has told me that she went with me not bcos i gave her business but more of a liking... to my regret, i didnt dare to contact her much nowadays due to the incident although i do get periodic emails from her telling me how much i have made and other investment opportunities... haiz...

exchanging contacts? after what happened, no way, jose... and no, i did not ask for monetary rebates... people r trying to make a living. if u dont think they deserve to be paid so much, then dont buy. better still, if u think they r paid that much, go join them. then u will know that giving rebates, when caught, the agent will get his/her license revoked!!! but offering sex, i dont think will get sacked. maybe the manager might praise the agent for his/her "can do" attitude... no offence though, hope u dont mind me for being blunt.

that's why i dont really even want to post in this thread although i had some actual contacts... until i saw my dear kaki surfer dude who upped yr points... kns, i have been carrying his balls for so long and he also never upped my points lor...:rolleyes: so, u r lucky liao. oh by the way, different people zapped u cos a single nick cannot zap u again and again... well, unless he has clones... kekeke... cheers

[me|zuo]

time to summarised everything.. my points has been going up and down juz like the STI.. so this will be my last posting on this thread ;)

REBATE
Insurance agents are allowed to give rebate (this is 100% real, dun believe can check with MAS) in the form of vouchers/gifts that are approved by the company. BUT not in any monetary form. However, this had been abused, as long as there is no evidence, agent will not be penalised.

Commissions (is it worth it?)
Agent's job scope is to get new clients, provide them with insurance info, answering their queries, assisting in the applications procedure, servicing the client regularly. And their commissions? it will be wat u will be paying for a year(for normal insurance)
Eg. if u buy a $200 monthly policy, the agent will earn $2,400 from u.. of cos over a period of 4-6years as long as u are paying. 50% in the 1st year, meaning he will be earning $100 from u every month. the amt decreases from the 2nd years onward (this is why ur policy does not have any value in the first few yrs as commissions paid and other cost take up a portion).

PERSONALLY, i dun feel they shld be earning so much from me, the reason is, from providing the info to me, up till the regular servicing, the time/effort they spent on these processes, does not really quantified the amt of commission they earn from me(even for a $100 monthly, they will earn up to $1,200). Maybe some bro feel that i'm wrong but it ok cos it juz my personal opinions.

Insurance Agent (IA) vs Real Estate Agent (REA)
REA earns commissions ranging to 0.5% - 2% (some even higher if they are good in bargaining n presentation) of the transacted price. Other types of income for REA are commissions/referral fees from bank (introducing client for bank loan), from laywers, renovation co. etc. But it is all one off. For IA, other than commission from policy(normal/CPF), they also received incentives/reward from the company(can be either monetary or non), also they have a year end bonus(depending on each sales volume, and it can go quite high to 30-40% of wat the agent earn for that yr)

So which earns more? u decide.

Anyway, above is juz my personal thoughts, zap me up me it doesnt matter.

Thanks to all bro who up me, will up u back if i still can

No thanks to all zapper, leaving no nick no reason and some other weird reasons. But it quite funny if u can take a look at all the reasons.(maybe i can screen shot n paste it)

For bystanders, watch out for my points after i post this, i expect some fluctuations juz like the STI

:p

[_AXL_]

time to summarised everything.. my points has been going up and down juz like the STI.. so this will be my last posting on this thread

REBATE
Insurance agents are allowed to give rebate (this is 100% real, dun believe can check with MAS) in the form of vouchers/gifts that are approved by the company. BUT not in any monetary form. However, this had been abused, as long as there is no evidence, agent will not be penalised.

Commissions (is it worth it?)
Agent's job scope is to get new clients, provide them with insurance info, answering their queries, assisting in the applications procedure, servicing the client regularly. And their commissions? it will be wat u will be paying for a year(for normal insurance)
Eg. if u buy a $200 monthly policy, the agent will earn $2,400 from u.. of cos over a period of 4-6years as long as u are paying. 50% in the 1st year, meaning he will be earning $100 from u every month. the amt decreases from the 2nd years onward (this is why ur policy does not have any value in the first few yrs as commissions paid and other cost take up a portion).

PERSONALLY, i dun feel they shld be earning so much from me, the reason is, from providing the info to me, up till the regular servicing, the time/effort they spent on these processes, does not really quantified the amt of commission they earn from me(even for a $100 monthly, they will earn up to $1,200). Maybe some bro feel that i'm wrong but it ok cos it juz my personal opinions.

Insurance Agent (IA) vs Real Estate Agent (REA)
REA earns commissions ranging to 0.5% - 2% (some even higher if they are good in bargaining n presentation) of the transacted price. Other types of income for REA are commissions/referral fees from bank (introducing client for bank loan), from laywers, renovation co. etc. But it is all one off. For IA, other than commission from policy(normal/CPF), they also received incentives/reward from the company(can be either monetary or non), also they have a year end bonus(depending on each sales volume, and it can go quite high to 30-40% of wat the agent earn for that yr)

So which earns more? u decide.

Anyway, above is juz my personal thoughts, zap me up me it doesnt matter.

Thanks to all bro who up me, will up u back if i still can

No thanks to all zapper, leaving no nick no reason and some other weird reasons. But it quite funny if u can take a look at all the reasons.(maybe i can screen shot n paste it)

For bystanders, watch out for my points after i post this, i expect some fluctuations juz like the STI

aiyoh, tell u already u still dont want to believe... officially still cannot give rebate lah... gift all this declare to the company for official reporting but still not legal lah. why i know??? u go become an insurance agent and then report all this gifts as expenses and see whether IRAS approve or not lor...

u think insurance agents make too much money still??? why in the first place u dont go and join them??? the low retention rate already told u that this is not an easy industry to stay in. look at the new agents, most of them joined insurance cos they couldnt find a job after graduation... but how many will stay in it after say 5-10 years??? most insurance agents work longer hours and many a time, u will find that they dont make much... i have seen people slogging and end up only bringing back fresh grads salaries lor...

maybe, for u, the grass is greener on the other side... but there is always a catch. u see their best times, but u dont see that they do not have basic salary... worrying from month to month. only the really established ones (most have gone through hard times to establish the client base) can fall back on continuing premium coming in...

maybe for yr agent, he/she has not done enough for u. maybe the agent did not give u the best deal, or did not perform the duties of a true financial adviser... didnt the agent tell u the 1st 3 years no cash value??? i dont know the kind of insurance u bought but what kind of follow-up service do u want??? they usually explained everything during the signing what...

unless u r talking about unit trusts or the ILPs... that one, well, my agents do give me periodic updates and would call me up if they r significant changes... but the emails r more than good enough for most people, i guess...

dont get me wrong, i m not an agent and i like good service as well. but what i cant stand is that u assume by your own standards that they r making too much money and so should be given a discount, but not knowing that giving discounts would cause them to possibly lose their jobs. my case to u, stop bitching about it. the system is in place legally. u cant beat it. join it or be above it. if everyone thinks that they can only make $ from others and others cant make $ from them, the whole world's economy would be at a standstill!!! think the multiplier effect... no offence and sorry for being too much of a kaypoh. not my argument here, actually.

[Mulch]

aiyoh... go check the previous threads on insurance agents lah... this investment linked trick already suggested by me liao...

u still lucky, just lost some points. me stupid enough to share the contact with quite a few bros here who asked for the contact. gave the contacts and guess what??? the next time i saw my agent, she was telling me that some people actually called her up to ask whether she would really provide sex if they bought from her!!! she kinda suspected it was me cos she was quite new and the details i provided were accurate in the thread. yes, stupid of me again!!!:mad:

how stupid can people be, u ask??? actually, very stupid, to be asking people upfront about it. she has told me that she went with me not bcos i gave her business but more of a liking... to my regret, i didnt dare to contact her much nowadays due to the incident although i do get periodic emails from her telling me how much i have made and other investment opportunities... haiz...



bro, maybe this is an opportunity to turn a bad situation into a good one leh?

the next time you guys meet up, this could be a possible topic to talk about that could lead into...um...further developments? of course, never admit anything to whatever you did in SBF lah...

its still asking about her well-being in general right? :D

[_AXL_]

bro, maybe this is an opportunity to turn a bad situation into a good one leh?

the next time you guys meet up, this could be a possible topic to talk about that could lead into...um...further developments? of course, never admit anything to whatever you did in SBF lah...

its still asking about her well-being in general right?

yes, i would certainly love to hear from u how u can help me turn the situation into a good one.:D oh, btw, was not stupid enough to admit i was the one who passed the contacts...:p

[cornercorner]

Dont think u r the only one anything about the insurance industry horr,... pls lah. U only want to protect ur rice bowl. That is fair enough. But no need to give fantasies about how giving rebates will affect ur service quality, blah blah, blah ...

What maked you think that you know alot about the insurance industy??? just because that you frequently update by reading newspaper and book on investment doesn't make you an expert in it! it takes much much much more than that!

The only time an insurance salesman come is time to get u to upgrade ur premium. :rolleyes:

What if you are admitted in hospital who will come to process the medical claim? Think again...

I dont ask for rebates, but if someone offers, of course i will take it.

What lan A! in your previous post you stated that next time ppl buy insurance products from agents.. DIE DIE MUST ASK FOR REBATES..... but you are saying otherwise now! can you be more consistent in your words! or maybe you are always like that... say without thinking!

[reuters]

Dont think u r the only one anything about the insurance industry horr,... pls lah.

I am in the industry, can ask me too. :D

[surfer888]

aiyoh... go check the previous threads on insurance agents lah... this investment linked trick already suggested by me liao...

u still lucky, just lost some points. me stupid enough to share the contact with quite a few bros here who asked for the contact. gave the contacts and guess what??? the next time i saw my agent, she was telling me that some people actually called her up to ask whether she would really provide sex if they bought from her!!! she kinda suspected it was me cos she was quite new and the details i provided were accurate in the thread. yes, stupid of me again!!!

Wah! Got number never share. Got BBBJ or not? Can pass me the contact?

how stupid can people be, u ask??? actually, very stupid, to be asking people upfront about it. she has told me that she went with me not bcos i gave her business but more of a liking... to my regret, i didnt dare to contact her much nowadays due to the incident although i do get periodic emails from her telling me how much i have made and other investment opportunities... haiz...

I can be upfront with her as well. Got BBBJ or not? Can pass me the contact?

exchanging contacts? after what happened, no way, jose... and no, i did not ask for monetary rebates... people r trying to make a living. if u dont think they deserve to be paid so much, then dont buy. better still, if u think they r paid that much, go join them. then u will know that giving rebates, when caught, the agent will get his/her license revoked!!! but offering sex, i dont think will get sacked. maybe the manager might praise the agent for his/her "can do" attitude... no offence though, hope u dont mind me for being blunt.

Well said. Most importantly, buy policies because of neccesity and not due to want of something else.

Got "can do" attitude some more... can do BBBJ or not?

Oh... and did I mention, can pass me the contact?:D

that's why i dont really even want to post in this thread although i had some actual contacts... until i saw my dear kaki surfer dude who upped yr points... kns, i have been carrying his balls for so long and he also never upped my points lor...:rolleyes: so, u r lucky liao. oh by the way, different people zapped u cos a single nick cannot zap u again and again... well, unless he has clones... kekeke... cheers

carry balls only and you want points... must stroke also mah!

Stroke ego lah... what else?

[surfer888]

For bystanders, watch out for my points after i post this, i expect some fluctuations juz like the STI

I'm hedging my bets on your ETF now.:D

[tomvoyeur]

HI bros, had heard of a cases from my fren in insurance line, that 1 female agent always not in office. She only come in office to submit case and usually the cases she submitted is damm big cases.

Well, I have some frens who r in the insurance industry...so according to them, their offices r basically places for the agents to hold team meetings n make cold calls....so if u r a lao jiao agent with many contacts, there is no reason for u to stay in office n hang around unless for meeting....:cool:

[tomvoyeur]

u still lucky, just lost some points. me stupid enough to share the contact with quite a few bros here who asked for the contact. gave the contacts and guess what??? the next time i saw my agent, she was telling me that some people actually called her up to ask whether she would really provide sex if they bought from her!!! she kinda suspected it was me cos she was quite new and the details i provided were accurate in the thread. yes, stupid of me again!!!

Yo Bro, not trying to dig in further but you may have lost the ploy here...Gals who r not FL do not wish for their contacts to b passed around, no matter how horny they may seem to u....The physical intimacy with u was down to her fondness (either physical or emotional attraction) for u n that equation may not hold true for others (like me lor!!:o )....so just keep the contacts n post more FRs pls!! :D

[sToNeCoLd]

Anyone has such contacts/experience with chio insurance agents?

We can exchange lobang via pm.

This is just purely absurd & ridiculous!! What makes you think after purchasing the policy you have the rights to bed them?? [ Is there any insurance agents who sleep for meeting their targets??] Even it's so..I think they're those who cant simply make it or baby hippos in the making.

Well..on the contrary, if this can happened to others,it may not happened to you?? So..what's deal here??I"m just bewildered by your thread here??:confused:

[Iwant2fuck]

Any
upable chio teacher?

i send my kid there the teacher let me up her.

upable doctor.

i go see her she let me up her.

upable chicken rice seller.

I buy chicken rice from her she let me up her.

upable mp.

I vote for her she let me up her.

upable actress, e.g lin zhi ling

I watch her movie she let me up her.

tui.:rolleyes:


I have the ultimate one :D

upable massage/hooker/pros/FL/
I pay her $ for massage means I can up her.
After 1 shot, still can up her one more shot because I pay her $

""!<##<D<????:" That PROFESSIONALS would be wondering who the F start this rebate stuff. "New rule in G land meh?, customer pay $ can up 2 shots?"

[Iwant2fuck]

What if you are admitted in hospital who will come to process the medical claim? Think again...



When come to claims, because the agents make $ for you, she can ask her male agents to up the mothers/sister/auntie/wife

No 'up'? No claim....ha ha....this will be the ultimate retribution for these cheapo rebates/'upable agents' people


PS: The idiot who think he reads MAS website say can give rebate have not read properly. In Singapore where it is 'clean' and inducement or bribing will means free coffee sessions with the CPIB, you THINK they will give special law to ONE service to break this cleanliness? If insurance can, why property agents get haul to court for cash-back?

THINK that 'rebates' mean applies to agents? Some people don't understand what is the definition of exempt financial advisers. Go find out before open your big mouth again

[Tada Nama]

I am in the industry, can ask me too. :D

So what is your take on this thread whoch is goin haywire??? :eek: ......

[vkoolboi]

There has been too much diversity in views from bros about insurance giving rebates. I have consulted a knowledgeable senior samster who do not want to be named and I had the opportunity of meeting him in Hatyai. He has sent me this extract and this should once and for all make it clear that insurance rebate is legal in MAS. This is found from MAS website as MAS Notice 304 has been lifted for 5 years already. The senior samster whom I consulted only has this to say.

He is not encouraging bros to seek rebates relentlessly from their insurance agent, even when insurance rebate is allowed by law.

------------------------------------------------------------------------

REPLY TO PQ ON INSURANCE REBATES

Date : For Parliamentary Sitting on 27 August 2002

Question

To ask the Deputy Prime Minister and Minister for Finance

(a) what is the rationale or objective behind the reversal of the policy on rebates in the life insurance industry; and

(b) in view of the Financial Advisers Act, how will this affect the development of a professional group of people such as financial advisers.

Answer

1 The prohibition on rebates under MAS Notice 304 was introduced in the 1990s to prevent life insurance agents or brokers from rebating, or offering to rebate, any part of their commissions as an "inducement" to clients to purchase life insurance policies, without assessing whether the policies were appropriate for the clients.

2 The MAS discourages the use of rebates by any life insurance adviser as the basis for his recommendation to any policyholder. It still discourages this with the Financial Advisers Act, which requires financial advisers and their representatives to have a reasonable basis for their recommendation. Recommendations are expected to be reasonable and appropriate, having considered the investment objectives, financial situation and financial needs of the clients. Financial advisers and their representatives should focus on the value of their services to their clients and should not resort to the offering of rebates as a basis for their recommendation.

3 The life insurance companies have effectively implemented the best practice recommendations of the Committee on Efficient Distribution of Life Insurance (CEDLI), including a Needs-based sales process, a comprehensive Training and Competency regime for its advisers and Enhanced Disclosure of life insurance products.

4 MAS has therefore lifted the outright prohibition on rebates contained in MAS Notice 304. This is in line with the Authority's shift from a regulatory to a supervisory approach. We are progressively replacing prescriptive regulations with principle-based regulations, as the market demonstrates the maturity to follow best practices.

5 Insurance companies can decide for themselves how to package and market their products without the ban. This relaxation should not lower professional standards of the life insurance advisers, because unprofessional conduct will not be viewed any less seriously under the Financial Advisers Act.

6 However, I should clarify that the CPF Board has decided that where rebates are given for products purchased using CPF savings, the rebates should be refunded to the CPF accounts so that members' savings can be safeguarded.

[Cyber_God]

About this rebate thingy, I don't think the agent is making that much if we are talking about average monthly premium of $150. Average commission is between 20% - 40% (it varies from type of policies and that's only applicable to 1st year. It will reduced by half each year until it reaches 4th year and a mere 3% of the premium thereafter). Meaning average commission is between $30 - $60. I don't think I have the heart to ask for rebate. Unless you are those handful high flyer who can afford $1K premium a month but then again, I dont think rebate to them is an issue. What they want is service and recognition - in short "por their LP".

In conclusion, if I earn others' money, I must prepared to let others to earn my money too, right? If not, how the economics gonna prosper?

So, let's forget about the rebate thingy and find more gems to cheong instead. :)

No offence for my 2 cents worth and I am not an insurance agent though. information were obtained from my insurance agent.

[Cyber_God]

Upable Insurance Agents... 29-05-2007 09:18 PM No approve

:eek: Got zapped within 5 minutes of my posting. You have your right of comments and so do I. Anyway, Thanks for your comments though. :)

[JChoo]

Bro vkoolboi, don't know that wise man is so free to help you do research. anyway good to know you and him in Hatyai. Next time, if there is chance to meet, I buy both of you a drink.

[CyberRod]

Bro vkoolboi only got half the story correct...

Rebates are permitted BUT it's NOT up to the individual agents to give rebates. Agents have to request from their respective companies (i.e. insurers) for such rebates else a warning will be issued. When 3 of such warnings are issued, he/she can say bye bye to the financial industry...

BTW, life of a financial adviser (a.k.a insurance agent) is tough... They are helping people to protect themselves against calamities and grow their clients wealth. Every single cent is hard earned...

Just my humble 2 cents worth of opinion... :p

[_AXL_]

Wah! Got number never share. Got BBBJ or not? Can pass me the contact?

share with u??? no way, jose... got bbbj... cannot...

I can be upfront with her as well. Got BBBJ or not? Can pass me the contact?

upfront with u, got bbbj... cannot...

Well said. Most importantly, buy policies because of neccesity and not due to want of something else.

u r right...

Got "can do" attitude some more... can do BBBJ or not?

she was quite "on the ball" cos i asked for a lot of info to see before i signed. the bbbj was quite good...

Oh... and did I mention, can pass me the contact?

yes, u did mention. cannot...

carry balls only and you want points... must stroke also mah!

Stroke ego lah... what else?

stroke yr head... with a hammer...:p cos u dont have points for me...

Yo Bro, not trying to dig in further but you may have lost the ploy here...Gals who r not FL do not wish for their contacts to b passed around, no matter how horny they may seem to u....The physical intimacy with u was down to her fondness (either physical or emotional attraction) for u n that equation may not hold true for others (like me lor!!)....so just keep the contacts n post more FRs pls!!

might have lost the plot... but my agent had just graduated and knew that she was struggling to hit her target... so, when i posted, quite a few of them said they were considering to buy already, might as well buy from her and see whether can get lucky or not!!! kns!!! before they met up with her, already asked on the bloody phone!!! already told them she is not a FL... but chances r better if they r nice to her!!! so, like u said, contacts keep to myself now.:D

[_AXL_]

Bro vkoolboi only got half the story correct...

Rebates are permitted BUT it's NOT up to the individual agents to give rebates. Agents have to request from their respective companies (i.e. insurers) for such rebates else a warning will be issued. When 3 of such warnings are issued, he/she can say bye bye to the financial industry...

BTW, life of a financial adviser (a.k.a insurance agent) is tough... They are helping people to protect themselves against calamities and grow their clients wealth. Every single cent is hard earned...

Just my humble 2 cents worth of opinion...

cash rebate still cannot lah... but whatever it is, i m not an agent so i also only hear it from agents. as far as i know, cash rebates is still prohibited by my agent's company. there r rebates in the form of corporate gifts!!! well, i dont think i have space in my office desk to display another letter opener!!!:D

sorry to hear about the zap though. cheers...:D

[tomvoyeur]

but chances r better if they r nice to her!!! so, like u said, contacts keep to myself now.

Well, u can keep the contacts but dun limit the memories to urself...pls share some FRs to make us envious of ur sexcapades ok!!! :D

[_AXL_]

Well, u can keep the contacts but dun limit the memories to urself...pls share some FRs to make us envious of ur sexcapades ok!!!

dont waste bandwidth lah!!! (sar kar a bit cos boss sam havent upped my points yet!!!) go search in the previous thread lah... keywords: insurance agent!!!;)

as for sharing the contact, pls refer to my reply to surfer dude...:p

[tomvoyeur]

dont waste bandwidth lah!!! (sar kar a bit cos boss sam havent upped my points yet!!!) go search in the previous thread lah... keywords: insurance agent!!!

Not the one u have posted la! I m refering to past conquests which u have not shared with the bros here...:rolleyes:

as for sharing the contact, pls refer to my reply to surfer dude...

As for contacts, thanks but no thanks! Afraid that u might have an acquired taste for exotic animals like baby rhino,hippo,elephant...or some say T-rex! :D ....Kidding LOL!

[_AXL_]

Not the one u have posted la! I m refering to past conquests which u have not shared with the bros here...

huh??? ask me to write FRs about my past conquests??? here??? not qualified enough lah!!! u should get yr buddy, stonecold mah!!! damn, he scores like crazy!!!:D

As for contacts, thanks but no thanks! Afraid that u might have an acquired taste for exotic animals like baby rhino,hippo,elephant...or some say T-rex! ....Kidding LOL!

sorry, me got acquired taste, that u r right!!! but no hippos, elephants or t-rexes!!! maybe little piglet like my OC... fair, voluptuous and fleshy in the right places!!!;)

[laodi123456789]

she was quite "on the ball" cos i asked for a lot of info to see before i signed. the bbbj was quite good...



Sounds quite exciting. Maybe you should write a story on this. Change the names and a few details and I am sure Mrs Palmer and her five daughter will be very grateful

[tomvoyeur]

huh??? ask me to write FRs about my past conquests??? here??? not qualified enough lah!!! u should get yr buddy, stonecold mah!!! damn, he scores like crazy!!!

He is like Drogba, just can't stop scoring!!! Right?? :p

sorry, me got acquired taste, that u r right!!! but no hippos, elephants or t-rexes!!! maybe little piglet like my OC... fair, voluptuous and fleshy in the right places!!!

Looks like it is apt time for me to head down for Great Singapore Sale to get some discounted kimchi......Btw, the rain is making the bed such an attractive proposition now...How nice it will be to snuggle up to a babe now! ;)

[_AXL_]

Sounds quite exciting. Maybe you should write a story on this. Change the names and a few details and I am sure Mrs Palmer and her five daughter will be very grateful

basket!!! once and for all, the story...

met her when i was shopping with my ex. she tapped my shoulder when i was smoking outside the mall. asked me do survey. told her i m very well covered liao. she said she was bored anyway, forced to prospect blind... so she got my number and realised she lives near my place. would ask me out for kopi 1 day.

fast forward to a couple of weeks later, saw me at the neighbourhood shopping mall, so really wanted to buy me coffee at coffee bean. i paid lah... must be gentleman mah... somemore she just started on her 1st job. chatted and commented that the fund that i bought with my CPF a couple of years back from her company made quite a pile. offered to help me check the gains the following day.

following day, called me and told me the good news. asked me want to top up or not. think and think, told her to help me check out the potential of other funds as well. arranged to meet up 2 days later.

2 days later, was given a stack of info. very thorough. i know cos i m in investment industry as well. decided to top up with her. signed on the same day.

following week, was presented with the policy in a cafe near my office. told me that she wanted to buy me dinner cos my policy was the biggest she has gotten in her short career. went for a simple dinner. me paid again, so that she would owe me 2 dinners then!!!(an old trick that always works for me!!! kekeke) after dinner, asked me to join her thumper (now defunct liao hor) with her friends!!! me told her i old uncle liao, cant click but she insisted. went there and actually had a good time, drank quite a bit and was quite hungry. so supper at goodwood cos cant drive liao!!! her friends left and we were left to our own devices. she suggested we rest in my car first before i was sure i could drive. never happened. we were frenching and groping in the car!!! so end up book room in york hotel. why? cheaper than the rest around mah!!!

kissed like crazy in the room. stripped and bathed together. was licking her all over. she was enjoying herself... dried and did 1 round with her on the vanity top in the loo, hard and fast. i was damn horny lah... finally came, cleaned up...

climbed back into the bed, chatted a bit and then started kissing again... let my tongue do the talking again. fingered her and then went down south. nice smell cos i washed for her mah... trimmed and neat. damn, the 5.1 dolby digital was invigorating but not so loud as to make me embarrassed. then the bbbj... belied her age cos it was actually quite good!!! maybe i dont get much bbbj, so it was a very good bonus for me!!! hahaha... then the missionary, sidewinder, doggie. then her turn to ride. that was when i could feel her cum juice flowing out and stained the sheets. did reverse cowgirl and then i pulled her to the edge fo the bed to give her missionary with me standing. then pulled her to the vanity table and doggied her until i came. we had to wash up cos she also made a mess with her own cum!!! so pom pom again.

spent the next 1.5 hours talking until i was hungry again. since my ex-gf then was not in sg, we decided both take urgent leave. then we went for the complimentary breakfast. after breakfast, slept till about 12pm. washed up and kissed again. kissed throughout the showering and then 1 more round in bed again. bbbj again!!! nearly came, stopped her and did her too fast, too furious!!! dressed up, sent her back home to change and me washed up and changed as well. picked up her and went for late lunch at holland v. went for kopi, tcss till about 6pm. she said she was tired and i sent her home.

met her up again quite a number of times but only bonked her only on 1 occasion cos she was considering this guy who was going after her at that time.

looks: 6.5/10 (nice long, wavy hair. very nice smile but quite plain otherwise)
age: 23 (to me syt already, cos me old man)
height: 168, she told me
weight: 48-50kg, not heavy when she mounted me:D
oh yes, B-cup with light brown nips, body well-proportioned
frenching: yes, damn nice kissable lips, i couldnt stop kissing her. very GFE!!!
bbbj: 8.5/10
Fj: 8/10 very accomodating, very nicely trimmed pussy, no weird smell, tight and still very nice pink
CIM, COF: no, only COS (cum on stomach)
damage: $100k+ CPF money till date but making quite a pile i can assure u, hotel: approx $200, lunch, kopis approx $100, "lancing": approx $200+ (1 martell at thumper)
rtf: yes, yes, yes if allowed!!!

bro laodi, happy liao??? damn shagged ah!!! my fingers r aching after this post. think need to rest for the day and go for a massage at badminton hall to nurse my overworked fingers back to tiptop condition.

sorry if u find this boliao and too long... go zap the guys who requested for it!!! hahaha... cheers all and have a good day at work. those lazy buggers on leave, dont pcc too much. it's bad for eyesight!!!;)

[_AXL_]

He is like Drogba, just can't stop scoring!!! Right??

ya lor... he is making everyone envious!!!:D

Looks like it is apt time for me to head down for Great Singapore Sale to get some discounted kimchi......Btw, the rain is making the bed such an attractive proposition now...How nice it will be to snuggle up to a babe now!

i think i just saw a kimchi on offer over at the FL dome... go shop online first lor...;)

[tomvoyeur]

those lazy buggers on leave, dont pcc too much. it's bad for eyesight!!!

Nice work dude....Will be taking a short nap to catch some breath after reading ur breathtaking FR....:D

[tomvoyeur]

i think i just saw a kimchi on offer over at the FL dome... go shop online first lor...

Wow...thought u hard at work?? How come doing online shopping now?? ;)

Think its time to call for room service now!! haha

[_AXL_]

Wow...thought u hard at work?? How come doing online shopping now??

Think its time to call for room service now!! haha

nowadays a bit sensitive to the word kimchi... was reading the quarrel on the fatty fl and had a glimpse of the title offering kimchi...:p didnt read though. go sleep lah... then dream about some miss universe contestant lor... save the money lah... someone mentioned that one can get rich saving up those $ from patronising FLs!!!;)

[tomvoyeur]

someone mentioned that one can get rich saving up those $ from patronising FLs!!!

Yep...n nt forgetting the money spent on booze n ciggies too!!Think no alcohol n no sex will make Jack a rich boy!;)

[_AXL_]

Yep...n nt forgetting the money spent on booze n ciggies too!!Think no alcohol n no sex will make Jack a rich boy!;)

then why the hell u need all that money???!!!:confused:

[cornercorner]

There has been too much diversity in views from bros about insurance giving rebates. I have consulted a knowledgeable senior samster who do not want to be named and I had the opportunity of meeting him in Hatyai. He has sent me this extract and this should once and for all make it clear that insurance rebate is legal in MAS. This is found from MAS website as MAS Notice 304 has been lifted for 5 years already. The senior samster whom I consulted only has this to say.

He is not encouraging bros to seek rebates relentlessly from their insurance agent, even when insurance rebate is allowed by law.

------------------------------------------------------------------------

REPLY TO PQ ON INSURANCE REBATES

Date : For Parliamentary Sitting on 27 August 2002

Question

To ask the Deputy Prime Minister and Minister for Finance

(a) what is the rationale or objective behind the reversal of the policy on rebates in the life insurance industry; and

(b) in view of the Financial Advisers Act, how will this affect the development of a professional group of people such as financial advisers.

Answer

1 The prohibition on rebates under MAS Notice 304 was introduced in the 1990s to prevent life insurance agents or brokers from rebating, or offering to rebate, any part of their commissions as an "inducement" to clients to purchase life insurance policies, without assessing whether the policies were appropriate for the clients.

2 The MAS discourages the use of rebates by any life insurance adviser as the basis for his recommendation to any policyholder. It still discourages this with the Financial Advisers Act, which requires financial advisers and their representatives to have a reasonable basis for their recommendation. Recommendations are expected to be reasonable and appropriate, having considered the investment objectives, financial situation and financial needs of the clients. Financial advisers and their representatives should focus on the value of their services to their clients and should not resort to the offering of rebates as a basis for their recommendation.

3 The life insurance companies have effectively implemented the best practice recommendations of the Committee on Efficient Distribution of Life Insurance (CEDLI), including a Needs-based sales process, a comprehensive Training and Competency regime for its advisers and Enhanced Disclosure of life insurance products.

4 MAS has therefore lifted the outright prohibition on rebates contained in MAS Notice 304. This is in line with the Authority's shift from a regulatory to a supervisory approach. We are progressively replacing prescriptive regulations with principle-based regulations, as the market demonstrates the maturity to follow best practices.

5 Insurance companies can decide for themselves how to package and market their products without the ban. This relaxation should not lower professional standards of the life insurance advisers, because unprofessional conduct will not be viewed any less seriously under the Financial Advisers Act.

6 However, I should clarify that the CPF Board has decided that where rebates are given for products purchased using CPF savings, the rebates should be refunded to the CPF accounts so that members' savings can be safeguarded.

BULLSHIT!
The rebates mention here is free gift given away in roadshow! when you sign up for a saving policy etc. you will will a complimentary gift based on the monthly premium or company having promotions that give away free gifts. So you should really read up more before commenting! Your that so called friend might just be as DUMD as you.

When you go buy a car you ask for rebates , will they give you the rebates? the answer is obviously NO! but instead they will give you window film, sportrims whatever! but is there cash rebates given to you! i reallly don't think so!!

get a life! :cool:

[kev75]

Bro Cornercorner,

FYI the is rebates when u buy cars now... it is called finance rebates....

[~|@|~]

this ends up to be an informative thread. looks like we got alot of insurance agents here :D

[laodi123456789]

basket!!! once and for all, the story...



Magnificent. As good as any FR I have read lately. Mind to share her contact ;)

Very steamy story. Actually I was under the impressions that you only had a BBBJ from her. A BBBJ that commenced with your hand on the pen, hovering above the paper, then you sign off with a flourish as you spasmodically empty your seamen into her mouth.

I must remember the two dinner rule. Does it always work? And did the two dinners and the entertainment expenses work out to be the same price as an overnight FL? Just trying to get the feeling here whether I should return to "unpaid" market

Good luck with the badminton massage. Must ask the sexy lady masseur to give you the special 11 finger massage. It's heavenly!

[Cunnosieur]

I did one recently. Chinese gal selling insurance.
Spent abt 150k cpf = 2.25k after rebate.
She is quite a cock teaser wearing sexy revealing clothes too.

Looks: 7/10
Body: 7/10
Rebate: Yes
Damage: So I spent 2.25k for a screw.
Svc: BJ (5/10), FJ (7/10), GFE
RTF: Sure...


Raider123 and Laodi have genuine cumtacts too...

Anyone else have such lobangs...We can exchange via pm n cumpile a list.

[_AXL_]

Magnificent. As good as any FR I have read lately. Mind to share her contact

Very steamy story. Actually I was under the impressions that you only had a BBBJ from her. A BBBJ that commenced with your hand on the pen, hovering above the paper, then you sign off with a flourish as you spasmodically empty your seamen into her mouth.

I must remember the two dinner rule. Does it always work? And did the two dinners and the entertainment expenses work out to be the same price as an overnight FL? Just trying to get the feeling here whether I should return to "unpaid" market

Good luck with the badminton massage. Must ask the sexy lady masseur to give you the special 11 finger massage. It's heavenly!

thanks for the compliment. but yes, i do mind sharing the contact... she has indicated very clearly although indirectly that she doesnt offer sex for policies. just that i got lucky with her, for some reason which i myself m not too sure of.

sorry to disappoint u about yr fantasy about her bbbj while i was trying to sign the policy. me not porno actor, and certainly didnt think about that, getting lucky with her that is. 12 years age difference was the factor why i didnt even think of sex with her in the 1st place. better to be a bit more realistic, i guess, so that i dont get disappointed most of the time.

the 2 dinners thingy almost always seemed to work. if the lady is interested, she will ask u when u would let her buy u dinner back. trust me, women, when they r not interested, would be quite "chao kuan" and conveniently forget that they still owe u 2 dinners!!!;) so, for the price of a dinner, u can tell whether the lady is interested or not. worth it for u??? but can u resist the temptation to call her up to remind her about the 2 dinners she owes u??? if u cant, then dont try that.

how i wish i can go for the massage... alas duty calls... quietly waitng in the office for a client to pop over... balls carrying exercise for me awaits me later... haiz... things i have to do to earn a meagre living...:o

[_AXL_]

Raider123 and Laodi have genuine cumtacts too...

kns!!! LAODI, i want FR from u too!!!:rolleyes: :D

[_AXL_]

I did one recently. Chinese gal selling insurance.
Spent abt 150k cpf = 2.25k after rebate.
She is quite a cock teaser wearing sexy revealing clothes too.

Looks: 7/10
Body: 7/10
Rebate: Yes
Damage: So I spent 2.25k for a screw.
Svc: BJ (5/10), FJ (7/10), GFE
RTF: Sure...

bro, sorry for being kaypoh... u mean her comm is 2.25k after rebate hah??? or u pay 2.25k per year for premiums??? not bad hor, got rebate and got bonk somemore!!! using cpf meant u didnt pay a single disposable cent lor...:D

[Cyber_God]

Damage: So I spent 2.25k for a screw.

This is indeed an EXPENSIVE bonk :eek:

[tomvoyeur]

then why the hell u need all that money???!!!

Beats me too but I did come across such people who became slaves to money....:confused:

In tune with this thread, I just received a call from a bank representative telling me that his bank offers cheaper premiums for insurance products compared to insurance companies....What I understand is the bank offers mainly 2 forms of insurance policies, in-house n vendor. The in-house policies suffers from a smaller portfolio size n charges higher premiums to reflect a higher portfolio risk. For vendor policies, the bank normally mark-up the premiums of the products to reflect their profit margin n distribution costs....How would a bank then charges lower premiums without jeopardising the entire buisness structure or did I missed out something?? :confused:

[_AXL_]

Beats me too but I did come across such people who became slaves to money....

In tune with this thread, I just received a call from a bank representative telling me that his bank offers cheaper premiums for insurance products compared to insurance companies....What I understand is the bank offers mainly 2 forms of insurance policies, in-house n vendor. The in-house policies suffers from a smaller portfolio size n charges higher premiums to reflect a higher portfolio risk. For vendor policies, the bank normally mark-up the premiums of the products to reflect their profit margin n distribution costs....How would a bank then charges lower premiums without jeopardising the entire buisness structure or did I missed out something??

haha... which also meant that i m missing something too!!! these banks r the agents of funds and insurance companies... meaning that they do charge above and beyond such companies that they represent. the banks have a database which they do not release, and the fund managers only need to service 1 customer from this partnership, the bank and not u... guess they took on the gahmen's strategy... cheat the man on the street blind while the rich gets richer!!!:mad:

the cheapest insurance comes from the re-insurers. even the big companies u and i know do spread their risk out by insuring against the event of a loss due to high number of claims or unexpected investment loss, etc with these re-insurers. but they deal with large amounts... not unlike a wholesaler... which meant they wont deal with us lesser beings who r not worth their time and day...:p

[laodi123456789]

kns!!! LAODI, i want FR from u too!!!:rolleyes: :D

Wah lao suddenly everyone pop up with Insurance Agent Lobang. Too bad I dun have any. You asked for it ye shall receive.. One of my better FR's on an FL from 2 years ago

_____________________________________________
D white witch ruled Narnia.Will the ICE Queen return to reign in DOT. ICE from WIN
-------------
In the tavern, Laodi settle in his chair and called for an ale. The little samsters were playing by the fireside. The old samster took a swig of his ale and hawked a gob spit of onto the floor. The Tavern doors opened up and Samster CP walked in carrying an orange jumpsuit. He put the jump suit on the table by Laodi

"I will see you this weekend, You got a lot of rubbish to clean up spitting ain't free in DOT"
"ya ya over my dead body Cherry"

When Samster CP walked out Laodi hawked another Gob of spit onto the floor and then called out

"Samsters samster Come come I got a tale to tell you"

The bar quietened down and the junior samsters by the fireside came closer to the white bearded samster who was waving his mug around. He slammed his mug down on the orange jumpsuit.

"Its a fearsome tale, a tale of gods and men when the times were dark"
"Was that the economic recession grandpops?"
"yes calvins it was the economic recession but it was much more than that. Unseen forces stalked our fine land and the best of the samsters were emasculated by the pure evil that haunted us all. The spirit of Lust was rampant and all struggled mightily to overcome its power. And I managed to defeat this great evil how do you think I became wrinkled and white haired like this. Look at me! you ever seen such an old white man like Di123456789"
"Thats cos ur old Mr Lao"
"u shut ur yap young spytherman, Its cos I defeated the Ice Queen"

Upon saying the dreadful name, a cold wind rushed into tavern chilling the bones of all the samsters gathered there.

"Turn off the Air Conditioning Samster TV"
"Sorry sorry, I just got it installed last week.. great kang tao I couldn't pass it up
"And you watch out young man Before I take a cane to you and knock some senses into you"

Laodi ripped the orange jumpsuit off the table and waved it in anger his wispy white beard flying apopletically

"Quick quick pass the old codger another ale or he'll never settle down"

With new ale in hand Laodi calmed down.

"The Ice Queen, body of a goddess, head of a demoness, lulled men into her lair with seductive and sweet song then tore them to bits when they slept She kept their souls in her Icy hell and they suffered eternal numb penises. Many a samster felt her wrath . Win summoned me to tackle her and I marched forth with many of my brothers to defeat the ice queen.We got separated at the kopi tiam and it was every samster for himself. Some passed by the wayside like samster elaw and samster Ck888.

I struggled mightily through hordes of ah sohs and errant taxi drives before I managed to reach her castle. I pressed the buzzer and a woman with the face of a demoness and the body of a goddess greeted me. As I prepared to hack her head off, she beguiled me with the sweet siren song and the dark spirit of lust rose in me. She lulled me into her bouidour and whispered sweet notings into my ear as she cleaned me very thoroughly from head to toe. Samsters nothing is so foul as an a smelly samster locked in that hellish icebox for an eon. that Ice Queen must have had a sensitive nose

I nearly lost my soul there and then, but I had egg for breakfast that morning and it came to my rescue in the darkest hour by giving me life.. for I farted and her spell was broken. She screamed in digust and I tackled onto the bed. I struggled to stab her and the bed rolled to one side. she managed to get on top and tried to rip my face away and her super powerful muscles locked me down. With superhuman strength called from the bowels of my being I managed stand up with her still straddling me.. the bed's headboard was ripped away and I staggered across the room thrusting my weapon at her. We smashed into the mirror on the other side and I got one hand on her head. I turned her around and forced her body onto the table. Then I plunged my weapon into her. Her dying scream shatterred the windows then I fell back a spent man

I covered my modesty with the remains of my clothes and left her dreaded castle"

"Uncle but how did you really get white hair"

"Ahh Samster Axcess when I left the castle I walked under a ladder by accident and there was a painter who dropped a bucket of white paint on my head. That happened to me because I went to the castle to defeat the Ice Queen and that is how I got my white hair. Bro Onlylife also entered the shortly after I left and defeated the ice queen too. Some died in the struggled against her. We remember them for their bravery"

Laodi stood up and saluted then sat down again

"She dun die easily however I thought we had put her away for good. Lately the winds have brought ice in their wake. I hear her siren song one again and I fear we must take up our arms to defeat this might evil. I have decided I shall return and fight her once again, Let me be the standard bearer this time and draw first blood. For the new generation of samsters you are needed to help save the dot. Think of the trevails that will assault the DOT should the ICE Queen have her way once again, kopi going up in price an more parking fines is onli the beginning. U thought the white witch was bad, but that was only Narnia. This is DOT. My new bros skywalker, hansolo may the force be with you."

Laodi started trudging out very slowly. Bro calvins followed him easily

"Laodi you're so slow, 20 of us are gonna hack her to bits b4 u even get there"
"Well that maybe sonny.. but it beats doing cleanup duty this weekend"

ICE
Face 6
Body 8
English - Poor
Chemistry - Was very good for me
1.5 metres tall
33B 23 33

[vkoolboi]

Bro, you can insult me but don't insult my wise friend. I talked to my wise friend about your rude posting. He said mai pen rai, it is the government that allow agents to give rebates, not him.

This was discussed in parliament and the agreed decision is very clear to me. There were subsequent newspaper report that follow after the parliamentary discussion and you can go to National Library to do a search, if you like to know the reaction from insurers and agents at that time. If you are not convinced, I suggest you write in to "MAS - contact us" and ask whether it is legal for agents to give commission rebate in cash given the lifting of MAS Notice 304.

I believe you are an agent and you are angry with this news but bear in mind that this decision is not from me. It is from MAS, and it was made 5 years ago.

If you want to discuss about rebates on buying car, I suggest you start another separate thread in newbies section. OKay?

Cheers.:)

BULLSHIT!
The rebates mention here is free gift given away in roadshow! when you sign up for a saving policy etc. you will will a complimentary gift based on the monthly premium or company having promotions that give away free gifts. So you should really read up more before commenting! Your that so called friend might just be as DUMD as you.

When you go buy a car you ask for rebates , will they give you the rebates? the answer is obviously NO! but instead they will give you window film, sportrims whatever! but is there cash rebates given to you! i reallly don't think so!!

get a life! :cool:

[vkoolboi]

Bro, the contention was whether agent can give rebate legally? I only posted the parliamentary debate to help bros know so that there will not be unnecessary acrimony created. This represent the whole truth to the contention, unless someone show evidence that there was another parliamentary sitting that reverse this decision.

Insurers try to help their agents by making it a company policy to restrict agents from giving rebates is a separate issue. Such policy may differ from company to company and maybe even agency to agency.

End of the day, the threadstarter is asking about exchanging bonkable lady agents. I don't have contacts of bonkable lady agents but if anyone has, I don't mind buying another life policy. Hope this don't cause offence to our agent friends here.

Bro vkoolboi only got half the story correct...

Rebates are permitted BUT it's NOT up to the individual agents to give rebates. Agents have to request from their respective companies (i.e. insurers) for such rebates else a warning will be issued. When 3 of such warnings are issued, he/she can say bye bye to the financial industry...

BTW, life of a financial adviser (a.k.a insurance agent) is tough... They are helping people to protect themselves against calamities and grow their clients wealth. Every single cent is hard earned...

Just my humble 2 cents worth of opinion... :p

[_AXL_]

Wah lao suddenly everyone pop up with Insurance Agent Lobang. Too bad I dun have any. You asked for it ye shall receive.. One of my better FR's on an FL from 2 years ago

wah lao eh!!! the threadstarter already pichar yr lobang saying that u got agent for bonk lobang liao!!!

but in light of yr epic (oops, i mean FR), i have learnt something new today... with FRs like that, u guys must have had a lot of fun then!!! with FR like that, u have made me feel ashamed for thanking u for yr compliment on my hasty and totally unimaginative effort, didnt really deserve yr compliment... :o

[laodi123456789]

wah lao eh!!! the threadstarter already pichar yr lobang saying that u got agent for bonk lobang liao!!!

but in light of yr epic (oops, i mean FR), i have learnt something new today... with FRs like that, u guys must have had a lot of fun then!!! with FR like that, u have made me feel ashamed for thanking u for yr compliment on my hasty and totally unimaginative effort, didnt really deserve yr compliment... :o

Nevermind. Some of my FR's are very unimaginative. I was particularly inspired when I wrote that one.

Your compliment is still well deserved. You put in a very good effort to answer my request. Too bad I up you already :D. It's not as shiok as upping your agent either, but anything we can get we get. I think in your case the agent liked you, not your money.

[tomvoyeur]

...which meant they wont deal with us lesser beings who r not worth their time and day...

I do know that Warren Buffett runs a substantial re-insurance company GEICO in the states...Any chance of hooking up with him in ur line of work, then we might just get our poor souls insured by the Oracle of Omaha!! ;)

[surfer888]

...or some say T-rex! ....Kidding LOL!

Wah... T-Back!!!:) .... oh.. T-Rex.:(

[surfer888]

maybe little piglet like my OC... fair, voluptuous and fleshy in the right places!!!;)

Suckling pig's my fave.:D

[_AXL_]

Suckling pig's my fave.:D

u meant sucking pig, right??? felt something was missing today, but couldnt put my finger on it!!! then i realised, u didnt log in yesterday!!!:D

[surfer888]

u meant sucking pig, right??? felt something was missing today, but couldnt put my finger on it!!! then i realised, u didnt log in yesterday!!!:D

No choice lah... some people actually have to work.:D

[tomvoyeur]

No choice lah... some people actually have to work....

Yup, guess Bro AXL's economic contributions is actually pulling down our GDP figures...tsktsk.....:D :p

[_AXL_]

No choice lah... some people actually have to work.

Oi!!! i got work hor!!!:p damn siong today!!! the client who came in was damn big shot!!! his balls were extremely big as well. expended a lot of energy carrying them for 1.5 hours hor!!! which was why i decided to reward myself with a trip to the badminton hall before meeting with OC to go for dinner and SJPH...:D

[tomvoyeur]

before meeting with OC to go for dinner and SJPH...

Bo jio once again!!!Guess hardworking dudes like me hardly get any form of life nowadays!! Signs! :rolleyes:

[cscs]

the "rebate" is actually their commissions... which means if they give u a gift, vouchers or other rebate, it means that they earn lesser...

anyway, fyi, if u buy a policy which is about $100 per month, they will be earning 50%, which is $50 for every month that u are paying, for the 1st year... subsequent years, the percentage of the commission will drop, but as long as u are paying, they will be earning...

so if next time any bro wanna buy a policy, remember to ask for a rebate!!! it a must!! unless u very rich, dun care about the small amount of money....

:o :p


Yes, this is correct. This is why so many want to get into this line of business.

[boy_]

hey bros, jus wana share my opinion. girls, no matter wad position they are working as, FLs, insurance agent, sales, even KTV girls, they are all out to earn some moeny, be it for family, to support themselves, etc.. most of them are actually doing tis for a reason. for e.g. , within tis few months, i actually met a few girls of which most had close r/s. even tho most of them, i acutally went to bed with, it wasnt bcoz it was my main motive. i truely jus wanted to b friends with them, some how, we ended up drunk, n well.. the other day, i went home with tis KTV ger whom we both haf feelings for. she seemed young, 22-24. in e end, i found out that she was 27, with 2 kids. but she din tell me. she is divorced n is currently working n studying. jus to support her kids. i felt really sad when i learnt abt tis. she actually has a few rich 'hao seh kia' chasing her, but somehow, she jus really likes me. i jus feel so 'under-superior'. like there are better tiao jian( choices) out there she can pick lor. tis is jus something i wanted to share out, hope bros dun mind, if it goes out of topic. cuz i still feel really, inferior over tis issue. thanks. if any bros cannot comment, pls do be it thru PM or watever. thanks,

[JChoo]

Not exactly true that people want to become agents because the work of the agent is not easy, making cold call, persuading people to buy policy, meeting the persistency requirement, helping customers in all sorts of ways like running errands for them, etc. can be quite a tiring chore.

I see that insurance company are always looking to recruit agents. Not easy for people to take the plunge. My wife's friend tried being an agent and it was really tough to get business, mostly through personal contacts. I recommended a number of my staff to buy from her, so she quite happy.

Not many people can sustain being an agent and I think quite a number left after some time to do some other work. My wife's friend also left the industry eventually. She need more referrals, and cannot just rely on me but she did helped me too. She said that many customers ask for rebates and if no rebates, they buy from others. Very difficult, make sales but don't make money.

Although it is legal to give rebates, my view is give and take, make sure that the agent who serve us also got some rice to eat. Always be fair to others.

Yes, this is correct. This is why so many want to get into this line of business.

[_AXL_]

Yup, guess Bro AXL's economic contributions is actually pulling down our GDP figures...tsktsk.....

on the contrary, in my most humble opinion...:p

Bo jio once again!!!Guess hardworking dudes like me hardly get any form of life nowadays!! Signs!

huh??? bring a lil lecher along and destroy all the "good" reputation that i tried so hard to build up??? :confused:

went with OC to meet her friends there lah... u could see that we came back early somemore... not convenient lah... kakis like u must save up to go out cheong one!!! now u understand why no babes "hew" me liao, hor????kekeke...

[Cunnosieur]

Eg if u use $50,000 of ur CPF Ordinary/Special Account to buy a invesment related policy... the agent will earn 3.5%*$50,000=$1,750.. it a one off commission.

So far, I got 2 upable IA lobangs...pm if u have genuine lobangs in exchange.

I use only CPF monies to invest n actually I am very finance savy myself.

Believe it or not but both of them seems to have bot me luck (n bonks)...my cpf monies have grown n got very good returns (30-50%) from the ILPs n unit trusts invested.

So heng heng, free bonks n rebates, why not?

[_AXL_]

Not exactly true that people want to become agents because the work of the agent is not easy, making cold call, persuading people to buy policy, meeting the persistency requirement, helping customers in all sorts of ways like running errands for them, etc. can be quite a tiring chore.

I see that insurance company are always looking to recruit agents. Not easy for people to take the plunge. My wife's friend tried being an agent and it was really tough to get business, mostly through personal contacts. I recommended a number of my staff to buy from her, so she quite happy.

Not many people can sustain being an agent and I think quite a number left after some time to do some other work. My wife's friend also left the industry eventually. She need more referrals, and cannot just rely on me but she did helped me too. She said that many customers ask for rebates and if no rebates, they buy from others. Very difficult, make sales but don't make money.

Although it is legal to give rebates, my view is give and take, make sure that the agent who serve us also got some rice to eat. Always be fair to others.

i agree with u that it is not easy to be an insurance agent or a property agent for that matter. first of all, there is no basic salary. i, for one, would feel very, very insecure having to live without knowing that i would make any money in the 1st place. month end worry about bills, beginning of month worry that i dont make enough to feed the family and stuff. really tough.

moreover, for insurance agents, people avoid them like the plague, at least initially. one of the best professions to be in if one wants to lose friends the fastest way possible.:D and often have to be thick-skinned to ask for referrals and stuff. practically have to rely on others cos cold-calling has very low hit rates...

from what i heard, only about 1-2% of the insurance agents make it to a comfortable life. the next 15% or so would draw a junior exec salary and the drop-out rate is about 60% in the 1st year... tough numbers, these r. but do not quote me cos i m quoting others and they r also probably guessing the numbers from experience.

kudos for appealing to bros here to let the agent have some rice to eat and to be fair to others. cheers.

Eg if u use $50,000 of ur CPF Ordinary/Special Account to buy a invesment related policy... the agent will earn 3.5%*$50,000=$1,750.. it a one off commission.

So far, I got 2 upable IA lobangs...pm if u have genuine lobangs in exchange.

I use only CPF monies to invest n actually I am very finance savy myself.

Believe it or not but both of them seems to have bot me luck (n bonks)...my cpf monies have grown n got very good returns (30-50%) from the ILPs n unit trusts invested.

So heng heng, free bonks n rebates, why not?

hmmm... the company i bought from paid their agents 3% for single premium ILPs. was told by my agent that it is not worth it for me to purchase the monthly or the yearly premium one, although she would collect a better comm.

hmmm... there r only 2 funds that made that kind of returns from what i know. guess we both got lucky...:D

i would have been tempted to exchange contacts with u but alas, no more $ in CPF liao... kekeke... have a good holiday today, ya? cheers, all.

[yinyang]

..particularly inspired when I wrote that one. ..not as shiok as upping your agent either, but anything we can get we get. I think in your case the agent liked you, not your money.
Brilliant, even if encore piece.:D Uh oh, his ego's just being stroked again vs moneyed motivation for his good romp in the park. Just raised you with my puny +3, for less devious reasons.:p

[_AXL_]

I do know that Warren Buffett runs a substantial re-insurance company GEICO in the states...Any chance of hooking up with him in ur line of work, then we might just get our poor souls insured by the Oracle of Omaha!!

sorry, missed out yr post.:p

i wish we could hook up with him too... but "walan" buffet spreads (pun intended) his portfolio wide but not wide enough to reach me... or maybe i just dont know the right people, as usual. think i must get out more.

for his investments and forays into the markets, he usually uses proxy companies... which meant we wouldnt know even his money is on my table. cant tell the smell of his money lah, cos usually i will be busy hyperventilating when stacks and stacks of dough (not mine lah!!!) r laid out on my table. :D

[tomvoyeur]

huh??? bring a lil lecher along and destroy all the "good" reputation that i tried so hard to build up???

My presence can only make u seem like a catch from Heaven...kekeke...

went with OC to meet her friends there lah... u could see that we came back early somemore... not convenient lah... kakis like u must save up to go out cheong one!!! now u understand why no babes "hew" me liao, hor????kekeke

Hmmm.....good thing u didn't invite me coz I always do a double take on such double dates...;)

for his investments and forays into the markets, he usually uses proxy companies... which meant we wouldnt know even his money is on my table. cant tell the smell of his money lah,

Well, W.B. is known to dislike hedge funds......so what do u think of ur chances of landing his money? :rolleyes:

[_AXL_]

My presence can only make u seem like a catch from Heaven...kekeke...

if i didnt remember wrongly, u probably said that to me before. didnt fall for it the last time, what makes u think i would fall for it this time???

oh, by the way, my OC only had eyes for me... not sure she really likes me so much or she was trying to see if i was ogling at other girls...:D

Hmmm.....good thing u didn't invite me coz I always do a double take on such double dates...

not a double date. there were 6 or 7 couples, including us. yes, u would be a sore thumb... kekeke...

Well, W.B. is known to dislike hedge funds......so what do u think of ur chances of landing his money?

yes, he publicly supports proper businesses. nothing questionable for him. but he does "invest" in certain hedge funds. some in asia as well, from what i know.;)

[Cunnosieur]

These insurance gals sometimes driving much better cars than most of us... who says sex doesnt sell well.

Also, the 2 thingy + 2 dinner thing seems to work.

I met her abt 2 times to talk abt policies n funds...then sweet talk n dropped hints...
followed with 2 dinners n drinks then bonk...

Told her she's lucky cos help me make money n wanted to invest more a 2nd time...met then bonk again after 1-2 drinks sessions.

Guess I was lucky.
:)

[tomvoyeur]

if i didnt remember wrongly, u probably said that to me before. didnt fall for it the last time, what makes u think i would fall for it this time???

Coz ur head is all messed up by LOVE??

not a double date. there were 6 or 7 couples, including us. yes, u would be a sore thumb... kekeke...

Wow...worse, SDU gathering ah?? :p

Guess I was lucky.

U r damn right! Except for some close frens, I haven't even met an insurance agent that understand decent finance.... :mad:

[_AXL_]

These insurance gals sometimes driving much better cars than most of us... who says sex doesnt sell well.

Also, the 2 thingy + 2 dinner thing seems to work.

I met her abt 2 times to talk abt policies n funds...then sweet talk n dropped hints...
followed with 2 dinners n drinks then bonk...

Told her she's lucky cos help me make money n wanted to invest more a 2nd time...met then bonk again after 1-2 drinks sessions.

Guess I was lucky.

i guess a lot really depends on luck. it works for most women actually. if they want to meet u for the 2nd time, it usually means that u didnt do too badly the first time round.:D

congrats again for yr very good deal, fund made money, got rebate and free bonk. nice nice...

Coz ur head is all messed up by LOVE??

nope, more rational nowadays. 10 years ago, maybe still can take advantage of that. not anymore.

Wow...worse, SDU gathering ah??

no lah... just friends getting together for drinks. the bfs i met there all damn decent (or oscar winners LOL), never really catch them "bio" other girls!!!

U r damn right! Except for some close frens, I haven't even met an insurance agent that understand decent finance....

unless u majored in finance in uni, it takes even a graduate a while to grasp the financial concept, if they ever. moreover, many agents only think about getting the most comm out of every client. but have to say i was quite lucky to have met the good ones.;)

[Midnightiger]

I should have seen this thread earlier! I just bought 2 ILP from Prudential totalling $70,000 last month.

Had I known that there are agents that can give such "rebates", I should have purchased from these agents. What a waste!

Any restitution as I have not received my policy documents yet?

[Michael]

Haha ask for sex or refund! :D

[_AXL_]

I should have seen this thread earlier! I just bought 2 ILP from Prudential totalling $70,000 last month.

Had I known that there are agents that can give such "rebates", I should have purchased from these agents. What a waste!

Any restitution as I have not received my policy documents yet?

if u havent received, then high chance u can cancel. there is a 14 day free look period. think there will be an administrative cost levied. but if yr agent is chio, then maybe threaten to cancel is good enough liao!:D

[yinyang]

...14 day free look period. ..but if yr agent is chio, then maybe threaten to cancel is good enough liao!:D
Else, file NBD (no bonk discount) claim... must be small print somewhere. Misrepresentation or witholding material facts. Sorry for snidey post, blame hot weather on lazy sun afternoon:p

[_AXL_]

Else, file NBD (no bonk discount) claim... must be small print somewhere. Misrepresentation or witholding material facts. Sorry for snidey post, blame hot weather on lazy sun afternoon

NCD i know lah, NBD got meh??? enforceable ah??? must go check the fine print... errr, as soon as i find my reading glasses...:D

switch on the aircon, bro...:p

[raider123]

Raider123 and Laodi have genuine cumtacts too...



Bro you wrote my name so big...my pm sure get flooded. Personally, I think such things we should keep it on low profile. I don't think any agency will allow their advisors to engage in this type of rebates even though they maybe in the MDRT or even TOP of the Table BUT as long as no one complain who cares.

The girl maybe willing but we should not smash their rice bowls... :)

[EvilInside]

Bro you wrote my name so big...my pm sure get flooded. Personally, I think such things we should keep it on low profile. I don't think any agency will allow their advisors to engage in this type of rebates even though they maybe in the MDRT or even TOP of the Table BUT as long as no one complain who cares.

The girl maybe willing but we should not smash their rice bowls... :)

I am going to buy insurance from those chio agents soon....:D

[tomvoyeur]

i guess a lot really depends on luck. it works for most women actually. if they want to meet u for the 2nd time, it usually means that u didnt do too badly the first time round.

No wonder I can only aim for ONS LOL...:eek:

no lah... just friends getting together for drinks. the bfs i met there all damn decent (or oscar winners LOL), never really catch them "bio" other girls!!!

Why u looking at guys the whole night?? :eek:

unless u majored in finance in uni, it takes even a graduate a while to grasp the financial concept, if they ever. moreover, many agents only think about getting the most comm out of every client. but have to say i was quite lucky to have met the good ones.

Lucky u! Some of the ones I met dun ever know the diff bet PV / FV n NPV...Signs...

[_AXL_]

No wonder I can only aim for ONS LOL...

wah lau... ONS is like my holy grail lor!!! rarely get them, and as u would have known, one of the rare few times i got lucky, i got the literal demonstration of what a CCB smells like!!!:o

Why u looking at guys the whole night??

i was looking at the fellow bfs, see whether they "beo" girls or not. if they did, then i got excuse that they were also looking mah...

Lucky u! Some of the ones I met dun ever know the diff bet PV / FV n NPV...Signs...

i thought they do have to learn that cos they have this financial product exam they have to go thru before selling such products (not their body lah)right???:confused: such basics, they should know at the back of their hand lor... tools of the trade, i would say.

[Cunnosieur]

unless u majored in finance in uni, it takes even a graduate a while to grasp the financial concept, if they ever. moreover, many agents only think about getting the most comm out of every client. but have to say i was quite lucky to have met the good ones.
===========

You will be shocked that most IA are not business or finance trained.

My upable one was ex SIA crew n model, A level only.

SEX SELLS......:D

[_AXL_]

unless u majored in finance in uni, it takes even a graduate a while to grasp the financial concept, if they ever. moreover, many agents only think about getting the most comm out of every client. but have to say i was quite lucky to have met the good ones.
===========

You will be shocked that most IA are not business or finance trained.

My upable one was ex SIA crew n model, A level only.

SEX SELLS......

but my point being they still need to go for certain exams before they can start selling those investment linked products right??? actually not that difficult nowadays since they have financial calculators and pre-programmed functions in microsoft excel what... no need to calculate manually... just understand concept and punch in numbers only mah... A levels should be more than enough...:D

but then again, whether they want to learn or not is actually the main crux of the issue. i dont feel that education would be an issue to anyone who is determined enough...;)

[surfer888]

Yup, guess Bro AXL's economic contributions is actually pulling down our GDP figures...tsktsk.....:D :p

Economic contributions yes... but work?

[surfer888]

Oi!!! i got work hor!!!:p damn siong today!!! the client who came in was damn big shot!!! his balls were extremely big as well. expended a lot of energy carrying them for 1.5 hours hor!!! which was why i decided to reward myself with a trip to the badminton hall before meeting with OC to go for dinner and SJPH..

I know you go to work... but actually work??? :rolleyes:

[_AXL_]

I know you go to work... but actually work???

for today and the rest of the week... guilty as charged!!!:D boss went for holiday... so me "dai guai tao" (canto) this week.:p

[yinyang]

for today and the rest of the week... guilty as charged!!! boss went for holiday... so me "dai guai tao" (canto) this week.
Ahh, when cat's away.. mice will play. With big hamster (err, samster) head misleading the way -only on things play. :p Leadership has it's priviledges, but just don't leave xmas tree bare:D Excuse my barb today, as no insurable insterest

[_AXL_]

Ahh, when cat's away.. mice will play. With big hamster (err, samster) head misleading the way -only on things play. Leadership has it's priviledges, but just don't leave xmas tree bare. Excuse my barb today, as no insurable insterest

alas work still needs to be done, but like the fact that i just sit around all day, signing for...:D but if things go terribly wrong, my balls r on the chopping board! everything has its price...

but watching pirates on a gloomy monday afternoon sounds like a very good way to pass time..:p

[Midnightiger]

if u havent received, then high chance u can cancel. there is a 14 day free look period. think there will be an administrative cost levied. but if yr agent is chio, then maybe threaten to cancel is good enough liao!:D

Yes I've been told on that free-look matter by some other insurance agent who is trying to get me to cancel and then buy from her. Won't do it since she's not a looker but a much older lady.

My agent is quite cute and chio but I don't think she'll let me have a go at her. Anyway, when I meet her to collect my policy, I'll try as you suggested.

On to "upable" agents, I once remembered a case back in the early nineties. Can't remember the company but I think it was GE.

There was a female agent who had an affair with her client. Apparently, others know about it and planned to have a video tape of her in the act. It was then used to blackmail her to carry on having sex with other customers of several other agents.

Eventually, she couldn't take it anymore and committed suicide. Investigation was on, and they found the tape in her manager's office.

I'm not too sure anyone was charged or not, but I believe that few agents including the manager were sacked.

[surfer888]

Eventually, she couldn't take it anymore and committed suicide. Investigation was on, and they found the tape in her manager's office.

I'm not too sure anyone was charged or not, but I believe that few agents including the manager were sacked.

Probably the company had to pay out her insurance.

[yinyang]

Probably the company had to pay out her insurance.
Fidelity insurance payout? :p Apologies, didn't mean to be morbid.

[surfer888]

Fidelity insurance payout? :p Apologies, didn't mean to be morbid.

More like non-performance.

[_AXL_]

Yes I've been told on that free-look matter by some other insurance agent who is trying to get me to cancel and then buy from her. Won't do it since she's not a looker but a much older lady.

My agent is quite cute and chio but I don't think she'll let me have a go at her. Anyway, when I meet her to collect my policy, I'll try as you suggested.

On to "upable" agents, I once remembered a case back in the early nineties. Can't remember the company but I think it was GE.

There was a female agent who had an affair with her client. Apparently, others know about it and planned to have a video tape of her in the act. It was then used to blackmail her to carry on having sex with other customers of several other agents.

Eventually, she couldn't take it anymore and committed suicide. Investigation was on, and they found the tape in her manager's office.

I'm not too sure anyone was charged or not, but I believe that few agents including the manager were sacked.

whatever u do, just dont blame me if u get slapped...:D

[surfer888]

whatever u do, just dont blame me if u get slapped...:D

Wah... pray tell, slap where hah?:D

[_AXL_]

Wah... pray tell, slap where hah?:D

u go try then tell me slap where lah... u never try, u never know mah...:rolleyes:

[surfer888]

u go try then tell me slap where lah... u never try, u never know mah...:rolleyes:

My agent male lah... don't think he'll slap... just run away if I come up with something suggestive.

[_AXL_]

My agent male lah... don't think he'll slap... just run away if I come up with something suggestive.

too bad lor...:p

if u r hoping of getting my agent's contact to find out where she would slap u, dream on...:D

[surfer888]

too bad lor...:p

if u r hoping of getting my agent's contact to find out where she would slap u, dream on...:D

No need lah... afterall she don't do BBBJ and my current one still making money for me.

[_AXL_]

No need lah... afterall she don't do BBBJ and my current one still making money for me.

check my fr in this thread and u will know whether she does do bbbj or not lor!!!:rolleyes: :D

[surfer888]

check my fr in this thread and u will know whether she does do bbbj or not lor!!!:rolleyes: :D

nah... not important anyway. Insurance is for the well being of my finances. BBBJ get from somewhere else.

[Vectra]

You will be shocked that most IA are not business or finance trained.

My upable one was ex SIA crew n model, A level only.

SEX SELLS......:D

So far how many IA have u bonk?:cool:

[tomvoyeur]

My agent male lah... don't think he'll slap... just run away if I come up with something suggestive.

Good way to chase away annoying n overly aggressive IA LOL...:D

You will be shocked that most IA are not business or finance trained.

Darn! Can't help but feel that some of Sg IAs r really overpaid for their limited financial advices....:o

[surfer888]

Good way to chase away annoying n overly aggressive IA LOL...:D

ROTFL... can't imagine the next time a male insurance agent approaches me and I comment on his ass.:D

[Mulch]

yes, i would certainly love to hear from u how u can help me turn the situation into a good one. oh, btw, was not stupid enough to admit i was the one who passed the contacts...

wah piang, i hadn't looked into this thread for a few days and its exploded into kingdom come.

bro AXL, i don't think i can give you advice on such matters lah. not suitably qualified. anyway your FR later already showed that you scored a home run :D

[_AXL_]

wah piang, i hadn't looked into this thread for a few days and its exploded into kingdom come.

bro AXL, i don't think i can give you advice on such matters lah. not suitably qualified. anyway your FR later already showed that you scored a home run

haha... and i was searching for your fresh posts everyday so that i could return favour...:rolleyes:

just kidding about the advice. might not be able to afford your advice... kekeke... homerun? aye, thanks. but my 1 wrong move greatly affected any possibility of good aftersales service and more importantly, and rtf...:(

[fleetheart]

skally bonk already and the agent call wolf ... like that sure kenna jialat jialat x 1000 times. She pockets the insurance, makes a name for herself .. and u get to spend time behind the bars, squatting and not sitting (cannot sit after rotan mah) :rolleyes:

[_AXL_]

skally bonk already and the agent call wolf ... like that sure kenna jialat jialat x 1000 times. She pockets the insurance, makes a name for herself .. and u get to spend time behind the bars, squatting and not sitting (cannot sit after rotan mah) :rolleyes:

we dont need to use guns to point at girls' heads to get lucky!!! so no rotan for us, but i do offer my condolences to yr arse... cheers:rolleyes:

[Mulch]

haha... and i was searching for your fresh posts everyday so that i could return favour...

just kidding about the advice. might not be able to afford your advice... kekeke... homerun? aye, thanks. but my 1 wrong move greatly affected any possibility of good aftersales service and more importantly, and rtf...:(

if she's worth the effort, these kinda things can be easily rectified one...only requires some more investment and attention.

my advice is free, worst comes to worst i only charge you to recommend me places to cheong only. :D

[_AXL_]

if she's worth the effort, these kinda things can be easily rectified one...only requires some more investment and attention.

no lah, she is looking for love. me, have commitment liao, moreover, i m too old for her. dont do cradle snatching....:D

my advice is free, worst comes to worst i only charge you to recommend me places to cheong only.

wah!!! recommend u places to cheong still must pay u consultation fees ah??? like this only 1 scenario, when i open my own ktv nite club, then i will ask u to cheong there. then give u small ang pow, ok???;)

[Mulch]

bwahahahha!! you got me wrong lah. i mean the only charges i'll accept are your recommendations lah!!

you open night club still need my business meh, SBF pepur sure cheong down wan...i'd be lucky if i get got q number. :D

[surfer888]

like this only 1 scenario, when i open my own ktv nite club, then i will ask u to cheong there. then give u small ang pow, ok???;)

When you open, can put PS in the room or not?

[tomvoyeur]

When you open, can put PS in the room or not?

An F1 stimulator coupled with a couple of models will b ideal too....;)

[_AXL_]

bwahahahha!! you got me wrong lah. i mean the only charges i'll accept are your recommendations lah!!

you open night club still need my business meh, SBF pepur sure cheong down wan...i'd be lucky if i get got q number.

of course i would need your business... cos dont think i have too many friends here... too blunt with my posts here!!! kekeke...

actually, a friend did jio me to open a pub... nite club too much money lah... and i dont have that kind of underworld connections.:D

When you open, can put PS in the room or not?

for u, PS3 and i will put an xbox360 in for good measure as well. but that one for myself lah... got hooked to the forza motorsport recently... very shiok!!!

An F1 stimulator coupled with a couple of models will b ideal too....

u go open and do that lor... then i go patronise u...;)

[yinyang]

...actually, a friend did jio me to open a pub... nite club too much money lah... and i dont have that kind of underworld connections.
Hire me to QC gals.. I come with good credentials. I come cheap, and a friend in need (whose?) is a friend indeed. :p

[_AXL_]

Hire me to QC gals.. I come with good credentials. I come cheap, and a friend in need (whose?) is a friend indeed.

u r cheap but still cost mah... so, think i will have to do the QC myself to save some costs lor:rolleyes: tough job but have to do it lah... :D

[yinyang]

..QC myself to save some costs lor:rolleyes: tough job but have to do it lah..
DIY ah? Kns.. tough job, but pleasurable? Wait... your OC fire you on spot la! Or watch out in your slumber... for your family jewels kekeke

[_AXL_]

DIY ah? Kns.. tough job, but pleasurable? Wait... your OC fire you on spot la! Or watch out in your slumber... for your family jewels kekeke

well, u r right!!! OC's experience will really come in handy... but testing responsibilities will be out of my hands!!!:p but quite sure she is not the surgical type!!! kekeke...

but saying that, operating a pub is almost a thankless venture these days, most r losing money, plus those late nites spent getting drunk... very apprehensive about it, though my dear friend is desperate to quit his job to do it...:D

[yinyang]

..OC's experience will really come in handy... but testing responsibilities will be out of my hands!!!:p but quite sure she is not the surgical type!!! kekeke... operating a pub is almost a thankless venture these days, most r losing money, plus those late nites spent getting drunk... very apprehensive about it..
Underscores our (relatively) small market. Seen many with short lifespan, burnt plenty rubber ..oops, $$$. 1-2 years, changed hands or chap lap. Skyscraping rents these days no help either. Even those bigger joints failed to meet rent eg Embassy, Embargo (not sure name) in earlier days. Some cannot even cough up to pay for beer stocks. Seductive proposition, but business case is another. My QC also can be gratis.. while the going is good:p

[_AXL_]

Underscores our (relatively) small market. Seen many with short lifespan, burnt plenty rubber ..oops, $$$. 1-2 years, changed hands or chap lap. Skyscraping rents these days no help either. Even those bigger joints failed to meet rent eg Embassy, Embargo (not sure name) in earlier days. Some cannot even cough up to pay for beer stocks. Seductive proposition, but business case is another. My QC also can be gratis.. while the going is good

u r right... usually, the pub biz is ok, until the rental just wipes out whatever miserable profits there is. my friend has deep pockets, so paying for beer and liquor stocks should not be a problem... but for how long???

he is just going thru this phase that he is being fleeced big time everytime he goes to those ktv pubs by the waitresses there, even though they charged him something like $12nett per drink... so he felt like fleecing people off rather being the lamb himself!!! kekeke...

going to a pub whenever i feel like it is good fun, but going to the same pub, entertain friends and regular customers, getting plied with drinks i dont like, dealing with petty issues created by the waitresses, having to do the accounts half drunk in the middle of the nite and still having to wake up early in the morning to report for work... hmmm, not the kind of lifestyle i would look forward to...:D

moreover, i would prefer a chill-out bar while my dear friend loves the idea of the LD ktv pub, when even though his friends r those who patronise those high-brow clubs and bars... well, that would explain his insistence that i partner with him, cos my kakis r usually the martell hugging ah beng drinkers, the best kind of customers one can have! big spenders and more importantly, loyal if their ego is stroked the right way... or with the right gal working there... :D

as for your offer of gratis QC, maybe i can put the first blood up here for bidding... pls understand lah, biz not easy to break even, got to find ways to generate some extraordinary income to cover some costs... u r welcomed to bid then... kekeke...

[yinyang]

..being fleeced big time everytime he goes to those ktv pubs by the waitresses there... so he felt like fleecing people off rather being the lamb himself!!! kekeke......
Do what what others do to you, and perhaps profit from it (plus enjoy perks in house!):p
.....would prefer a chill-out bar ..patronise those high-brow clubs and bars...my kakis r usually the martell hugging ah beng drinkers, the best kind of customers one can have! big spenders and more importantly, loyal if their ego is stroked the right way... or with the right gal working there... ......
Ever the consummate patron... agree, with stock market looking bright in recent days.. plenty goodwill to spread around.
..your offer of gratis QC, maybe i can put the first blood up here for bidding... pls understand lah, biz not easy to break even, got to find ways to generate some extraordinary income to cover some costs... u r welcomed to bid then... kekeke...
No cost of sales ah? So much you call it misc.. unless it's all barter trade.:p

[_AXL_]

Do what what others do to you, and perhaps profit from it (plus enjoy perks in house!)

haha... i believe that there r always some form of barriers to entry in every biz... pub owners make $, but for what price. that kind of lifestyle, which possibly comes with some form of ailment later in life, is not the kind of tradeoff i would like to experience.:D

Ever the consummate patron... agree, with stock market looking bright in recent days.. plenty goodwill to spread around.

actually, i feel that the ktv pub catering to those so-called ah bengs (my drinking kakis type) r the most resilient!!! they r extremely loyal, unlike my colleagues who like to hop around in the newest and coolest joints in town. even if they find somewhere they like very much, they dont hang around long enough...

No cost of sales ah? So much you call it misc.. unless it's all barter trade.

barter trade??? hmmm, interesting if u could double up as a pr manager to make some comm when u recommend yr friends to patronise... but slight issue to different allegiance to footy clubs. u see, both my friend and i, swore our allegiance to the red half of merseyside...:p

but, if u were thinking of offering yourself up for barter as well, hmmm... cant help, we dont really know of enough old, rich and lonely obasans to intro to u!!! kekeke...

[whisper]

Any......
upable chicken rice seller.
I buy chicken rice from her she let me up her.
......tui.:rolleyes:

That's a good one! I will check if the candidate comes for an interview is upable or not. so that can benefits bro here mah....heehee......


I'm chickgen lies seller la, hahaha............

[Vectra]

Was wondering how u guys break out to the agent the "tricky qtn"? :cool:

[Noobie]

Was wondering how u guys break out to the agent the "tricky qtn"? :cool:

hi vectra, plse check your pm, thanks

[lacoruna69]

hi vectra, plse check your pm, thanks

Wah, so secretive. I also interested to know leh.............

[Cunnosieur]

Was wondering how u guys break out to the agent the "tricky qtn"? :cool:

Mine was very simple n direct

Just told her that since got rebate, why not go out for a drink to celebrate?

Then when we were high on alcohol...we dance, I held her waist n ask "Wanna carry on this fun somewhere?"

The rest is history.

[Vectra]

Mine was very simple n direct

Just told her that since got rebate, why not go out for a drink to celebrate?

Then when we were high on alcohol...we dance, I held her waist n ask "Wanna carry on this fun somewhere?"

The rest is history.

Nice way to ask for an ONS. Will try that soon and post FR here :D

[Noobie]

Nice way to ask for an ONS. Will try that soon and post FR here :D

Good luck bro, look forward to your FR soon :D

[Cunnosieur]

So any other bros with geniune contacts for exchange???

PM me in private.

[LaksaHum]

well .... i dun have any upable insurance agents.
But i have a personnal housing agent and we have been making out for the past 5 yrs.
Always try out in lots of residential / commercial / industrial units. :D

[LaksaHum]

well .... i dun have any upable insurance agents.
But i have a p
sonnal housing agent and we have been making out for the past 5 yrs.
Always try out in lots of residential / commercial / industrial units. :D

[JChoo]

So any other bros with geniune contacts for exchange???

PM me in private.

I need to buy insurance, hope you will share your contact with me. If I have contact in future, I will share with you. If you want FL contact, I can share with you too. I just got one.

[EatNDrink]

Any
upable chio teacher?

i send my kid there the teacher let me up her.



hahaha bro u dAmn funny leh ... cant tahan u :D u sent ur kids to the chio teacher, it shd be the OLD MADAM PRINCIPAL let u up her and not the teacher lor ... lol

[WillamSexsphere]

Just a note bros. I know this is gonna hurt some folks, but better the truth than to live in a fantasy, with too high expectations and delusions.

I once asked a female division manager in the financial management trade(insurance) rather bluntly if her staff had encountered any indecent proposals before. She laughed and replied that there were many and told me that singapore girls are not so stupid and naive as some guys would love to think.

The girls would usually string the guy along, politically correct term for 'cockteasing', until the poor fool sign and sign away whatever the girl wanted, without being taken advantage of. ( a fact of male vulnerability confirmed by the numerous bros admitting to falling into the KC trap with WLs )

Then they will go back to their offices and share it with their collegues and even boyfriends or husbands, compare notes and laugh at the silly fools, old and young.

But they will always take care not to injure the pride of the client, and usually just ignore the unsavoury comments in front of others in public, because that's all the client actually have, his ego with the need to be inflated, with his own lies if necessary.

PS. I am not saying some bros are lying here, but i fear some of the rather naive fellow bros here may have a misguided view of people from the decent working line and do foolish things which may end up either getting hurt or hurting the other person.

Do apply some thinking to whatever that is heard or written and learn to separate facts from fantasies.

Have fun, but have fun responsibly. ( line stolen from Gambling campaign! :D )


.

[yinyang]

...usually string the guy along, politically correct term for 'cockteasing', until the poor fool sign and sign away whatever the girl wanted, without being taken advantage of. ( a fact of male vulnerability confirmed by the numerous bros admitting to falling into the KC trap with WLs ). Then they will go back to their offices and share it with their collegues and even boyfriends or husbands, compare notes and laugh at the silly fools, old and young. ...his ego with the need to be inflated, with his own lies if necessary...
Sound advice.. even if air's out of some baloons. Or get real, they just work on our archiles heel (aka male ego), and lead us by the nose without the promised land. Kns, to think they do this for their livelihood.:p

[tomvoyeur]

Sound advice.. even if air's out of some baloons. Or get real, they just work on our archiles heel (aka male ego), and lead us by the nose without the promised land.

Pride comes before a fall..............;)

[Cunnosieur]

Some bros here besides me do have good genuine cumtacts...

[edenz]

I'm looking for policies to buy too...ILP...so any goooooooooooood agents to rec? lol..hv heard 2 alr...lookin for more options!

[STK01]

I'm looking for policies to buy too...ILP...so any goooooooooooood agents to rec? lol..hv heard 2 alr...lookin for more options!

bro.. this thread so long never see liao, u still can dig out.. :D

Actually I think sometimes if u happen to pass by insurance road shows and if a good - looking, opps I mean 'good' agent approach u, then u may want to hear some advice from her.

For me, when I pass by such road shows, my 1st instinct is always to say I am not interested, unless the agent is so pretty that can make me stop walking on the spot. :p

[Red_Tirak1099]

Buying policies with a view to up agents is an expensive exercise, imagine how much you muz pay in order to get under her skirt some more if its a one off deal then make it even more expensive unless you make her do a BJ every month when she come collect your premuim :D

[singexpat]

For Bros tht wanna get specials with IA, this is my tip on how to get it which works for sure cos I did it tis way..

MARRY one IA... :D

[edenz]

haha no la..juz lookin ard...of course policy is top priority..others r juz bonus...:D