Saturday, April 22, 2017

Are you a slave of movies or TV programs?

Freedom from the curse of cable TV

"What it feels like living a life without a cable TV connection ?", one of my mates asked a few days back. I replied him, "I feel better now, happy and freed. Television channels are all about manipulation and propaganda. I feel like I have saved a plenty of time to do real things in life than watching tons of garbage that TV channels pour upon me."

Most films are absolute garbage beside a few biographies. Yet some of them were badly scripted, deviating miles from the actual events. Science fictions are hilarious just as the name implies. Can't stop myself laughing seeing some of them. 

The TV channels are manipulative. Creating uncertainty, fear, doubt and all sorts of junk. The news channels are the worst of the bunch. They either spread propaganda, spread hate, fear and uncertainty as per their own agendas. The TV news channels no longer bother giving people the truth (I wonder if they ever had done that) but giving what they want people to hear and to be the first.

Not many understand the movies are manipulative too. The war movies often try to glorify wars, some try to justify the things that had happened in the past. Some take you into the world that does not exist in this world. Watching fictitious movie is like masturbating your brain, that would no good to your thinking the way you look at the things in real life. The over-hyped star wars bullshit is the worst one could ever be imagined. Helpless people watch these to get away from their anxiety

If one your friends tell you a story involved him that had never happened, would you stand your friend and listened to his bullshit stories? Then how can you entertain yourself seeing fictitious movies? Get over it!

Wednesday, March 15, 2017

HSBC offers cheap home loans so does the support

Hellish customer support experience from HSBC

I was shocked by a phone call received today, probably from an offshore calling centre crediting the accent. The female at the other end was furious. The tone, aggression, and pitch were fuming. It was rude and arrogant, I was dumbfounded for a moment. The phone call wasn't from a gang leader requesting a ransom but from an HSBC banking assistant who was supposed to handle my home loan application. I decided to blog my experience to make everyone aware of what to expect from an incompetent banking staff who care less for their customers. 

I decided to shop for a cheaper home loan rate to what I've been currently paying. The HSBC is offering an interest rate of 3.75%. I simply filled in my details on the bank's website to be contacted. After 2 - 3 days I was contacted by the bank. Following a lengthy phone call, I was assured to send a loan application and instructions via an email within the next ten minutes, but that mail never arrived nor a follow-up call. 

An interest rate of 3.75% was too good to miss. I called HSBC again. This time things improved momentarily. I was at least provided with an application. I already had a completed loan application and the necessary documents handy. But I wanted to clarify a few points. I sent a mail but no response for quite some time, followed by a phone call and left a message. Yet no response.

I called the general line seeking assistance. This time my call was handled by an Australian based calling center, I was very well assisted. She was the only competent banker out of the three bankers I had spoken so far from HSBC. As I hang up the phone I received a call from the second banking assistant, who was unresponsive. The tone and aggression were filled with anger as she opened the conversation saying "I want to get your expectations right first. Let me tell you this, I don't offer 24 * 7 support, I was away"...  Not only that call was a disaster but her call implied as if I had tried to contact her in the middle of the night as she repeated she does not provide 24 * 7 support. 😛😛😛

This abysmal customer support from HSBC made me think whether it's worth the switch. I have spoken to three bankers from HSBC to-date, only one banker provided a good support while the other two being horrendous. This whole episode showcased the chances of getting a quality support from HSBC is 33.33%; if I put things into digits. Dealing with HSBC's inferior support staff is worst than paying a higher interest rate. I decided to stick to ANZ!

It would be good if HSBC could obtain the recorded phone conversation to train their staff to prevent them bullying customers in the future.

Update 1:
Amidst all this chaos, ANZ contacted me to inform they have increased the discount applied on the advertised interest rate, narrowing the different between ANZ and HSBC to $10,000, over a 25 year period. 😎😎

(I didn't bargain for an interest rate reduction from ANZ at all.)

Update 2:
Apparently I'm not the only person to receive a horrendous support from HSBC. There are few other customers who have voiced there concerns here : Product Review - HSBC 

A customer had commented this:

Don't expect any sort of customer service from these guys. They are slow, process is cumbersome, no communications, always have to chase up and don't brother giving a call back.
Yes their rate is cheap but I rather pay abit more and go to a bank that knows what they are doing.

Another had commented:

I've been with HSBC in AUS for 14 years. Have noticed how HSBC in that time has lost ground - now a really daggy bank in all aspects - service, basic competence, technology, product features, pricing - it's all appalling and behind the others. They make little effort on a service front - and even deliberately became obstructive eg. 'lost' documents - when I tried to move my home loan! A bunch of pretenders. Avoid.

I think I should have read these reviews before contacting the schmucks at HSBC. 😎😎 

Saturday, May 14, 2016

Don't you wish you had the answers?

Don't you wish you had the answers?

Please click on the photo for a better view
Look out your window, see the earth
Where did it come from, who gave it birth?
Look at all the living creatures, who created them all?
See how the rain falls, who made the sky?
It's never ending, and you wonder why
Where did it come from, where will it go, where will it go?
Where did you come from? Where will you go, where will you go?
Don't you wish you had the answers, well, I know
There's peace in knowing, what Jesus said

Enjoy God's wonderful creation!

Words : Keith Green
Photo : Tyronne
Actual size of the fly : A tad longer than a centimetre