SBF Tmax Cafe

[weizhong]

I have yet to patronize your cafe leh...

can say your name also ??

anyway i don't know the previous owner

 

Well, i'm the ex-owner of the Tmax..

 

Bike nv dropped before n accident free.. Feel free to go look n check ard the bike..

[Swing 7777]

r spore's bikeshops guilty of amerikan financial style 'greediness'??

 

who is responsible if shop owners can't keep their o/hs down? r consumers to pay/subsidise the owners' extravagance?

 

this i dunno. i am oni the consumer. bt sure sounds like what is happening in the land of the free...

 

meaning ur 'face value' is even higher... admin fee & insurance add up $800.. oh wow...

 

i perfectly understand ur feeling. i feel it everytime i chg bike. so now i chg less often...

 

ok la... jus say cannot afford... hard up liao

 

 

OOh..now i see y u till now still dun wanna get the Tmax..

y not u opn a bike shop n provide us with gd prices?We will surely buy frm u! 1% interest PA?or flat rate for total amt of years like the US Of A?

 

Let's be realistic here.We are living in sg.no point comparing with other countries..y not compare with The Land Of Smiles?Even better..

 

Ultimately,consumers either buy,or keep the money n let its value drop n dream everyday.

 

To Buy Or Not To Buy.That is Question.

 

i do not earn a single cent hor..just sharing a hard to come by deal with the brudders here..

[nkan0]

I have yet to patronize your cafe leh...

can say your name also ??

anyway i don't know the previous owner

 

Well, after hearing from many sides of the story, U can now decide on your own...

 

would welcome a new TMAX Owner!! there's nothing wrong with weizhong's ex-bike, just a matter of whether U willing to pay for it, or not... ?

 

[patrick1131]

thanks for so many t-max bro's reply...

I appreciate all of your comments =)

[yogi]

OOh..now i see y u till now still dun wanna get the Tmax..

y not u opn a bike shop n provide us with gd prices?We will surely buy frm u! 1% interest PA?or flat rate for total amt of years like the US Of A?

 

Let's be realistic here.We are living in sg.no point comparing with other countries..y not compare with The Land Of Smiles?Even better..

 

Ultimately,consumers either buy,or keep the money n let its value drop n dream everyday.

 

To Buy Or Not To Buy.That is Question.

 

i do not earn a single cent hor..just sharing a hard to come by deal with the brudders here..

 

oh so nice of u.. already chopped to b my customer liao..

[cheeko]

http://www.asiaone.com/A1MEDIA/business/04Apr09/images/20090413.154227_want.jpg

Fri, Apr 17, 2009

The Straits Times

 

What customers really want http://www.asiaone.com/a1media/site/common/blank.gifBy Lorna Tan, Finance Correspondent

In my nine years as a financial journalist, I have been approached by many frustrated bank customers and insurance policyholders who wished to complain about their advisers and the firms they represented. They hoped I could highlight their plight in my articles so that they could get redress.

This is not to say that I have not heard good things about advisers. I do know of advisers who provide comprehensive and professional financial advice.

They also have the habit of contacting their customers regularly, even when they don't have a product to promote. These are advisers who eventually become their customers' friends.

Perhaps it's the nature of my job, but the complaints I have received against advisers outnumber the compliments. Unfortunately, some customers had such a bad experience with their advisers that they vowed never to trust another.

This is a sad outcome because financial advisers play a very important role. Almost everyone has protection and investment needs, and I believe that advisers are the best people to provide the much-needed advice and service.

It was with this in mind that I decided to make the complaints I had received as the central message during a speech I gave at the Insurance & Financial Practitioners Association of Singapore's (Ifpas) 31st National Congress last month.

I took the opportunity to highlight five common complaints.

Lack of product knowledge

One customer who was sold a structured product told me: 'My experience is that the advisers don't have adequate product knowledge. I asked my adviser to work out the best- and worst-case scenarios, and he told me that he didn't know. I asked him to list all the factors that would have an impact on the indicative value, and he said he needed time to find out, but he never reverted.'

Many clients were also caught in a bind when their advisers failed to inform them of the consequences of putting their spouse and/or children as beneficiaries in a policy. Many thought they could change the beneficiaries as and when they liked, but it was too late when they found out that they couldn't.

Lack of product knowledge will result in poor advice. For instance, if an adviser markets a Shield hospitalisation and surgical plan, on what basis does he help his client decide which plan to choose?

If the client opts for a second-tier plan which covers a Class A ward in a restructured hospital, she may assume that she can have her own specialist who operates in a private hospital. Would the adviser caution the client that she can't? She would be able to have her own specialist only if she had opted for a higher- grade plan.

Not disclosing the downside

This is a very common complaint from customers. Everyone who buys a product wants to know the full picture. This means being informed on the advantages and disadvantages. For instance, people who buy regular premium investment-linked insurance products should be warned that the premiums would get higher as they get older because of the higher mortality charges.

From my experience, I have yet to come across friends who were sold term insurance. Almost everyone I know owns whole life insurance policies but not term, unless they are savvy investors. And yet, we know that what people need most is affordable protection, which only term insurance can provide. Only when this basic level of protection is achieved can we then talk about investments if there is surplus cash.

Here's what a customer told me: 'People don't like to lose money and look stupid, so advisers should point out where I could lose money. Tell me the possibility of both how much money I can make and how much I can lose. Give a potential loss scenario like 8 per cent to 10 per cent. There should be equal emphasis for both potential gain and loss.'

Not sincere

Customers have told me that some advisers seem interested only in a quick sale. In some cases, they were even rude. Customers can feel the sincerity of the advisers. It's not just in the way he recommends his products, but also in his tone of voice and body language.

Continuity problem

Many customers become 'orphans' when the advisers leave their firms and there is no follow-up.

Here's what a customer experienced: 'I called the new adviser. She was very busy and said she would call me back, but she never did.'

Claims handling

This is an area where advisers can offer much-needed help. Most customers are not familiar with the claims process and on what basis they can make their claims effective.

Rather than take all these complaints negatively, I hope that advisers would learn something from the feedback. Better still, turn them into opportunities to reach out to customers, particularly now that we are in an economic crisis.

This is a time for advisers to help their consumers take stock of where they are financially, their assets and investment goals.

On their part, consumers should equip themselves with the basic investment knowledge and learn to ask the right questions. For instance, buying financial products just for the free gifts, instead of ensuring that they suit your financial needs, can only spell disaster.

This article was first published in The Straits Times.

[sp2]

wah kapitan sold bike this thread went dead liao huh....

[Swing 7777]

ya loe..he is the soul of this thread ma..when u getting ur tmax?

[nkan0]

wah kapitan sold bike this thread went dead liao huh....

 

No lah, not bcos of kapitan. Its bcos someone before U posted some irrelevant things here then suddenly this thread went dead....

 

only an outsider like U dare to post immediately thereafter mah.....

 

[FJRider]

Hey guys, just send the max for servicing. Total cost was $64 incl GST. 3 ltr engine oil @ $10.00 per lt and $30.00 for the oil filter! I've no issue with the cost of EO but find the price for the oil filter rather expensive. Will the oil filter cost cheaper at HL ?

[bigcow]

Hey guys, just send the max for servicing. Total cost was $64 incl GST. 3 ltr engine oil @ $10.00 per lt and $30.00 for the oil filter! I've no issue with the cost of EO but find the price for the oil filter rather expensive. Will the oil filter cost cheaper at HL ?

 

where u service your bike?

[FJRider]

where u service your bike?

 

At Mah Pte. I remember my previous FJR only around $10.00 plus $1.00 for the seal at HL.

[sp2]

ya loe..he is the soul of this thread ma..when u getting ur tmax?

 

haha... that depend on when u selling urs liao... haha... aiming now...

[sp2]

No lah, not bcos of kapitan. Its bcos someone before U posted some irrelevant things here then suddenly this thread went dead....

 

only an outsider like U dare to post immediately thereafter mah.....

 

 

bro dun like dat leh... treat me outsider siah... me though dun have Tmax but at least i'm a fan bro... haha:thumb:

[Swing 7777]

i tot oil filter less than 20?hmm..i cant rmb actaully..n FYI we can use R6's oil filter..its cheaper..just have to add a little bit more engine oil as its longer..been using that..no issues..the Tmax's oil filter is shorter..dunno y it costs more also

 

sp2..ur nv treated as an outsider la..

[nkan0]

Hey guys, just send the max for servicing. Total cost was $64 incl GST. 3 ltr engine oil @ $10.00 per lt and $30.00 for the oil filter! I've no issue with the cost of EO but find the price for the oil filter rather expensive. Will the oil filter cost cheaper at HL ?

 

$10 for 1L of EO !!!

 

isnt that CHEAP?? U using mineral or Semi-Syn???

 

used to remb the oil-filter costed $25.

 

will double-check on the above figures & revert!

[cagiva03]

Hey guys, just send the max for servicing. Total cost was $64 incl GST. 3 ltr engine oil @ $10.00 per lt and $30.00 for the oil filter! I've no issue with the cost of EO but find the price for the oil filter rather expensive. Will the oil filter cost cheaper at HL ?

 

 

It's really cheap... I doubt it's fully-syn or semi-syn... Could be mineral...

[hardcompound]

Hey guys, just send the max for servicing. Total cost was $64 incl GST. 3 ltr engine oil @ $10.00 per lt and $30.00 for the oil filter! I've no issue with the cost of EO but find the price for the oil filter rather expensive. Will the oil filter cost cheaper at HL ?

 

i sent my t-max for 1st and 2nd servicing at HL b4...it was FREE (egine oil{not sure if it mineral or syntec or the brand} and workmaship), did not change the spark plug...on the 2nd service did changed the oil filter and it cost about $30plus..but still free for egine oil and workmanship...

Won't be following up on the 3rd free servicing at HL tho...coz bit troublesome, have to make appointment in advance (maybe DIY)

[FJRider]

It's really cheap... I doubt it's fully-syn or semi-syn... Could be mineral...

 

It's the normal SPC engine oil. Definately not syn or semi syn and doubt its mineral also. Since oil filter ah neh kui ... must look for aftermarket ones liao.

[nkan0]

i sent my t-max for 1st and 2nd servicing at HL b4...it was FREE (egine oil{not sure if it mineral or syntec or the brand} and workmaship), did not change the spark plug...on the 2nd service did changed the oil filter and it cost about $30plus..but still free for egine oil and workmanship...

Won't be following up on the 3rd free servicing at HL tho...coz bit troublesome, have to make appointment in advance (maybe DIY)

 

Yo, did I see yr TMAX at MR BEAN on Mon evening, late into the night??? Saw a pretty LOUD 07 BlackMAX there, was parked beside my Silver MAX.

[weizhong]

Yo, did I see yr TMAX at MR BEAN on Mon evening, late into the night??? Saw a pretty LOUD 07 BlackMAX there, was parked beside my Silver MAX.

 

His is a 08 Blue Tmax..

[Swing 7777]

i know who they are~..ehh..the cagiva03 group of frens..hehee

[cagiva03]

i know who they are~..ehh..the cagiva03 group of frens..hehee

 

Hahaha! jia lat liao! Go everywhere also gana spoted! It's Ah leong lar! i not there! His arrow damn loud sia! But hihger pitch also! Power delivery very good also!

[nkan0]

Hahaha! jia lat liao! Go everywhere also gana spoted! It's Ah leong lar! i not there! His arrow damn loud sia! But hihger pitch also! Power delivery very good also!

 

Ya loh, very eye (or ear) catching!! I meant his ARROWS!!!

 

was wondering issit Swing's ex-flame???

[hardcompound]

His is a 08 Blue Tmax..

 

Ya..mine is a blue 08...

 

weizhong..u still remember me ah...khehe