u/MrPudge1137

First off, let me state upfront I have no issues with "financial consultants", be it bank RMs or insurance agents.

FWIW, I have purchased multiple insurance plans from my RMs and agents. I know those plans don't maximize my returns per se, some of it goes towards the insurance companies' pockets etc etc. But I really don't mind; I have other considerations as a business owner and some of the insurance plans make sense to me. Not here to talk about such stuff.

So tldr, I made a topic some time back and some agents here who dm-ed me. Now I don't think there's anything wrong with that because well, they're just hungry for sales. It's fine, we are all out to make a living.

But what really made me amazed was none of them actually introduced themselves with their names and where they are from. They just blasted a wall of text telling me what to do with my money and telling me how "professional" they are. I don't know, but isn't the first step towards meeting anyone introducing yourself (name) and since this is a potential business relationship, you have to introduce where you are from?

When I actually took the time to reply one, his reply was: it's the internet, so I'm not telling you my name and where I work, unless we meet.

What?

Am I getting too old to understand the new gen of thinking? Like wtf, if you can't even tell me where you are from, you expect me to listen to all your shit and then meet you?

I also met another one, from UOB Kay-Hian. So I told him what my bank RM offered me and he said he could do it better (in terms of % returns). So I asked him how is UOB Kay-Hian able to give me better returns? I mean there has to be a reason, right? Maybe I'm undertaking more risk with my investment/insurance policy. Here's what amazed me. He said "well, because our underlying is different and we get quotes from private banks so our rates are better".

Er, maybe that will work to impress some dumbos, but that doesn't mean anything to me. Subsequently, he said he could get his "specialist" to explain to me. To which I said OK, we can arrange. And to my amazement, he said: if you're not interested, it's OK.

Lol. So I'm expected to just take his word for it and follow his statement that doesn't make sense?

IDK man, but I have seen responsible RMs and insurance agents. But the younger ones seems to be....well, basically don't know what they are doing.

For reference, I'm nearing 40.

First off, let me state upfront I have no issues with "financial consultants", be it bank RMs or insurance agents.

FWIW, I have purchased multiple insurance plans from my RMs and agents. I know those plans don't maximize my returns per se, some of it goes towards the insurance companies' pockets etc etc. But I really don't mind; I have other considerations as a business owner and some of the insurance plans make sense to me. Not here to talk about such stuff.

So tldr, I made a topic some time back and some agents here who dm-ed me. Now I don't think there's anything wrong with that because well, they're just hungry for sales. It's fine, we are all out to make a living.

But what really made me amazed was none of them actually introduced themselves with their names and where they are from. They just blasted a wall of text telling me what to do with my money and telling me how "professional" they are. I don't know, but isn't the first step towards meeting anyone introducing yourself (name) and since this is a potential business relationship, you have to introduce where you are from?

When I actually took the time to reply one, his reply was: it's the internet, so I'm not telling you my name and where I work, unless we meet.

What?

Am I getting too old to understand the new gen of thinking? Like wtf, if you can't even tell me where you are from, you expect me to listen to all your shit and then meet you?

I also met another one, from UOB Kay-Hian. So I told him what my bank RM offered me and he said he could do it better (in terms of % returns). So I asked him how is UOB Kay-Hian able to give me better returns? I mean there has to be a reason, right? Maybe I'm undertaking more risk with my investment/insurance policy. Here's what amazed me. He said "well, because our underlying is different and we get quotes from private banks so our rates are better".

Er, maybe that will work to impress some dumbos, but that doesn't mean anything to me. Subsequently, he said he could get his "specialist" to explain to me. To which I said OK, we can arrange. And to my amazement, he said: if you're not interested, it's OK.

Lol. So I'm expected to just take his word for it and follow his statement that doesn't make sense?

IDK man, but I have seen responsible RMs and insurance agents. But the younger ones seems to be....well, basically don't know what they are doing.

For reference, I'm nearing 40.

Give me your recommendations!

What do I mean by that?

Let's use Aurora as an example (since I'm having a strong fetish for her at the moment).

She's a very easy hero to pick up - basically spam her spells, keep yourself safe, spam spells again. Nothing much. Try to cc as many enemies as possible. Even if you're new, let your allies initiate and set up the battle. It's not difficult to just spam all her spells and make a huge impact after a nice Atlas or Tigreal set. You will look good and bam, gold medal.

But a truly good Aurora player is able to be the one to initiate the battles (not me yet lol).

Any other examples of such heroes? A huge gap between picking up playing the hero and truly mastering it.

Background info: Self-employed, nearing 40, just came into $500,000 spare cash.

Had a talk with my HSBC RM, here's her suggestion and my understanding of it:

1. Invest the $500,000 into a bond fund that pays around 6-7% interest.
2. Take a loan of $1,000,000 and invest it into a bond fund that pays around 6-7% interest.
3. The 6-7% interest will off-set the interest fees of the loan.
4. Relatively safe because although bond funds are not capital-guaranteed, the nature of bonds are.
5. So any fluctuations in the value of the investments will not be drastic, so I won't run into a risk of having to top-up.
6. If all of the above holds, the good thing is that I will be "making free money" by making 6-7% - interest rate on $1,000,000; which would otherwise not been available.

Am I missing something? Seems like a pretty decent deal to have imo.

I'm not looking to actively grow my capital anymore and am more interested in creating income streams.

Thinking of getting waxed. I'm hairy af and sick of grooming.

Pretty much the question as above.

Thoughts on this Mookata place?

Have a gathering and the final agreement is to have Mookata. Wondering if it will be worth traveling there to have Mookata?

Thoughts on this Mookata place?

Craving Mookata and wondering it will be worth traveling there to have Mookata!

I mean, kinda obvious ain't it.

If he is equipped with Ice Queen Wand, won't it douse his flames and basically turn off all his fireballs?

Be it positively or negatively, on your side or enemy side.

Like you see a pick by your ally, you feel that you're likely to win/lose a game.

Or like you see a pick on the enemy side and you feel that it's going to be an easy/tough game.

Well obviously a lot of bias will be involved here, so would also be nice if you could share a little more why you would feel this way.

Am a soloq player who is looking at mastering new heroes, so just wanna have a feel of what heroes are more "likeable" from a pyshological pov.