Wrong address won 4D first prize

I ordered flowers to be sent to three friends for Lunar New Year. Here is a message from my flower shop.

hi Mr Tan,
Thanks for the payment. By the way, there is a mistake with Mrs Y's address (7 instead of 3). When our delivery man found out the mistake, he went to buy 4D (Singapore Sweep Draw on 6 Feb - day of delivery) using all the numbers of the 3 addresses - 3730

Mr H, 3 xxxxxxxxxxx
Mrs Y 7 (you gave us 3) xxxxxxxxx
Dr K 30 xxxxxxxxx

The first prize was 3330 - the wrong address you wrote!
What a story...

Jetstar to Kuala Lumpur

I took Jetstar to Kuala Lumpur. I paid half of the usual price. As this service started recently, many people are still not aware about it. The plane was half full, so it was comfortable.

Jetstar lands at KL International Airport. The KLIA Express train to Kuala Lumpur takes 20 minutes and cost MYR35. It is quite convenient.

The CEO of Jetstar Asia once told me that Jetstar is not a budget airline. It is a low fare airline. I agree. It is good value for money.

High cost Investment Linked Policy

Dear Mr. Tan,

I already have an ILP for the last 3 years. However, an adviser friend told me to cancel it and use the money instead to buy term and to invest the rest in unit trusts that would yield more returns in the long term.

I have already paid $3600 to date and my current cash value is at $900 for the ILP. Do you think I should just cancel the ILP and heed her advice?

REPLY

You should compare the charges of the ILP and the unit trust going forward. You probably have incurred most of the upfront charges for the ILP, so the difference between the two options in the future is likely to be small.

You can read this FAQ to understand the charges:
http://www.tankinlian.com/faq/ilp.html