Honesty is the best policy

Dear Mr. Tan,

I would like to extend my warm thanks for your honest insights into the insurance sector. Your advice correlates with what I have personally experienced and discovered through readings.

I'm afraid that while many agents state that they have the interests of the consumer at heart, in reality, they're more concerned about the commission.

I'll be recommending your blog to all of my friends. I hope more insurance agents will realise that "honesty is the best policy".

Thank you for your honesty. It is much appreciated in present times.

Stamp duty on purchase of property

I hope that the government will remove the stamp duty on purchase of property. The removal of this cost will encourage some people to change their homes to be closer to their place of work. This will reduce the number of people that have to commute long distance to work and reduce the congestion on the road.

If there is a loss of revenue, it can be compensated by an adjustment to the property tax. (In my opinion, this is not necessary).

The government has removed estate duty. It is time to take the next step, in the interest of reducing road congestion and travelling time and cost.

Mall of Asia, Manila

I visited the SM Mall of Asia in Manila. My host said that it is the largest mall in Asia.

It has an ice skating rink, cinemas, entertainment outlets, many stores, restaurants, a large department store and a hypermart.

Although the mall is large, it is easy to move around. The signage are excellent. In contrast, I often get lost in many of the smaller shopping malls in Singapore.

The mall is across a park and beach at the side of Manila bay. Here is a picture of sunset at the bay.