I went on a walking trail in Hamilton Island. The trail went through the woods and up the hill. There were several trails, taking 1 to 3 hours. They were well marked.
The weather was cool and the walk was pleasant. I picked a stick to help me in the walk. It reminds me of my younger days when I was a boy scout on a hike with a staff (stick).
Friday, June 8, 2007
How to make a fire insurance claim
Dear Mr Tan,
My flat burned down. What are the procedure I should follow? I have insured with company X. My upstair neighbours were asking if I have 3rd party insurance. I have none. For my upstair neighbours, what actions I can take?
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REPLY:
As you have taken a policy from company X, you should make a report to your insuer. They will help you on your claim. You can also approach the insurance agent who sold the policy to you.
Normally, a fire policy will cover your liability to the neighbours as well. You can check with your insurer. I hope that you will not find any problem in the settlement of this claim.
My flat burned down. What are the procedure I should follow? I have insured with company X. My upstair neighbours were asking if I have 3rd party insurance. I have none. For my upstair neighbours, what actions I can take?
------------------------
REPLY:
As you have taken a policy from company X, you should make a report to your insuer. They will help you on your claim. You can also approach the insurance agent who sold the policy to you.
Normally, a fire policy will cover your liability to the neighbours as well. You can check with your insurer. I hope that you will not find any problem in the settlement of this claim.
Hamilton Island, Australia
Hamilton Island is advertised as being the gateway to the Great Barrier Reef. I will be taking a whole day cruise tomorrow, to visit the Reef.
The cruise boat has a glass bottom to view the corals. They have also arranged for snorkelling.
But, it is cold in Hamilton Island now. The temperature is less than 10 degrees Centrigrade. Usuually, at this time of year, the temperature should be at least 20 degrees. The resort employees told me that this is the coldest season that they had for many years.
The cruise boat has a glass bottom to view the corals. They have also arranged for snorkelling.
But, it is cold in Hamilton Island now. The temperature is less than 10 degrees Centrigrade. Usuually, at this time of year, the temperature should be at least 20 degrees. The resort employees told me that this is the coldest season that they had for many years.
Token of appreciation
I was given a token of appreciation for speaking at a conference in Australia. I tore away a part of the wrapping to peep at what was in the box. I saw the word, LIAN.
Wow, the organiser must have printed my name on the box.
When the entire wrapping was taken away, the entire word was AUSTRALIAN. It was a box of Australian chocolates.
When I showed it to the organiser, she was surprised at the coincidence. She said that I was a part of Australia.
Wow, the organiser must have printed my name on the box.
When the entire wrapping was taken away, the entire word was AUSTRALIAN. It was a box of Australian chocolates.
When I showed it to the organiser, she was surprised at the coincidence. She said that I was a part of Australia.
High cost of living in Australia
In Australia, prices for many items, e.g hotel, food, services, cost twice of Singapore.
How do the Australians cope?
They have higher wages. The minimum wage is about AUD 15 per hour. The lowest paid worker earns AUD 2,400 per month, or SGD3,000. This is about three times of Singapore. So, they can live a fairly comfortable life, as the cost of housing and cars are not as high as in Singapore.
Australians pay higher taxes. But this affect the higher income workers.
How do the Australians cope?
They have higher wages. The minimum wage is about AUD 15 per hour. The lowest paid worker earns AUD 2,400 per month, or SGD3,000. This is about three times of Singapore. So, they can live a fairly comfortable life, as the cost of housing and cars are not as high as in Singapore.
Australians pay higher taxes. But this affect the higher income workers.
Extra charge for using credit card
Many years ago, credit card companies disallow merchants from adding an extra charge on customers for using credit cards.
This has now changed.
When I checked into a resort at Hamilton Island, Australia, there was a sign that states a charge of 1% will be added to the bill for payment by Visa and Mastercard and 2.5% for payment by American Express. JetStar adds an extra charge of about 1.5% for payment by credit card.
If customers have to bear this charge, it is important to learn how to avoid paying by credit card. Here are some ways:
* use cash or debit card
* pay by PayPal.
This has now changed.
When I checked into a resort at Hamilton Island, Australia, there was a sign that states a charge of 1% will be added to the bill for payment by Visa and Mastercard and 2.5% for payment by American Express. JetStar adds an extra charge of about 1.5% for payment by credit card.
If customers have to bear this charge, it is important to learn how to avoid paying by credit card. Here are some ways:
* use cash or debit card
* pay by PayPal.
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