More Hong Kongers are starting to act upon their future, instead of just worrying about it. This has been evident in Hong Kong’s Insurance Authority’s annual report with the Individual Life business remaining to be the dominant line in the business, making up HK$458.5b or around 87.9% of total long-term business. The report also saw a modest rise in total office premiums for in-force long-term business by 2% to HK$521.4b in 2020. What probably slowed down the long-term business is the 20.9% decrease in office premiums for new individual life business to HK$119.6b in 2020, including HK$106.8b from Individual Life (NonLinked) business and HK$12.7b from Linked business, which recorded a decrease of 23.4% and an increase of 8.8%, respectively. The total number of new policies decreased by 20.8% to 1 million in 2020. Office premiums for the new Individual Annuity business decreased by 36.3% to HK$13.3b. Meanwhile, the general insurance market performed admirably despite the considerable challenges in the past two years. Total gross written premiums recorded a growth rate of 8% to HK$59.8b in 2020. Overall underwriting profit hit HK$2.3b, a major increase from HK$869m in 2019.

I often like to ask Chia a lot of hypothetical questions about our relationship (i.e. Does she think we would still be together if we were living in the 1950s? Would she still like me if I had 6 toes? 😅). I’ll admit that sometimes they’re silly and make no sense. However, Chia takes these questions very literally (for example, when I’ve asked if we’d still be together if we lived in the 1950s, she’s told me that we wouldn’t have met in the first place because dating apps didn’t exist back then 🤦🏼‍♀️) and therefore, is no fun. Nevertheless, I have still wondered what it would’ve been like if Chia had been my very first girlfriend. I’d like to believe that we would still be soulmates the way we are now, but in hindsight, I’m glad that Chia and I met when we did–at a time when we had both matured and learned from our previous lesbian relationships. Prior to Chia, I had two other long-term lesbian relationships that as you could’ve guessed, didn’t work out. I’ve talked previously about one of them in my post about long-distance lesbian relationships. The other one was my very first lesbian relationship back when I was in high school. It lasted over a year and then became an on-again-off-again type of relationship that wasn’t healthy for either parties (more on that later).

There are many aspects of our everyday interaction with people closest to us that can go haywire. We can all develop interpersonal relationship issues around things like sex, money, or fighting about who does more than the other. We can have conflict issues with a friend because we don't see eye to eye or they've wounded us in some way. We can have issues with our partner or spouse who doesn't seem to take the relationship quite as seriously as we do or put enough effort into making it work. However, perhaps one of the biggest issues for many relationships and the cause of their demise is the result of a problem with trust. In fact, some of the situations mentioned above can be the result of trust issues within the relationship. Relationship problems come in all sizes and shapes but in order to have a good relationship, it can't exist without trust.

This dating tip is pretty much a must and applied to most things in life. Manners and politeness don’t cost a thing, and yet they are prized by most. No matter the situation, the people involved or the environment you’re in, having basic manners helps you out so much. The same can be said for dating. If you treat those around you with kindness and respect, she’ll see that you care, that you’re genuinely a nice person and she’ll likely be more inclined to follow through with future dates. So bring out those pleases and thank yous.

Tinder really is the app that started it all. It launched in 2012 and truly changed the dating scene forever, introducing singles to a world of swiping left or right to match with potential bedfellows or serious significant others. And while there used to be lots of people looking for all different things, it’s now geared much more towards casual dating. Tinder is probably best in a small town where there aren’t as many people on the more niche apps but definitely know that people are looking for more informal arrangements. While it started as an entirely free app, there’s now a free and paid premium option that allows users to "super like" people (an extra form of flattery that allegedly triples your chances for a match), use the passport feature to see who’s out there in other locations, and see who liked you before you swiped right on them. Tinder Gold gives users all of that and more for around $15 a month, while Tinder Platinum gives users those options as well as the ability to message someone before matching for about $10 monthly for six months.

I went to this for a very long time, but now I realized that I don’t want to deal with men. My choice is women's relationships. Now I need to find a place where I can safely implement this... Please tell me a good site for dating among lesbians.

The mad 2017 token price runup and subsequent collapse in 2018 was largely endemic to the crypto sector. It was stoked by investor mania for ICOs and by blind belief in the untested ideas of founders who raised billions of dollars on flimsy white papers. The inflated prices for this vaporware inevitably deflated when doubts about their promises grew. The current situation is quite different. While excessive enthusiasm for new tokens contributed to unsustainable price rallies, crypto’s ballooning market capitalization was also fueled by unprecedented fiat monetary expansion as central banks pumped trillions of dollars worth of quantitative easing into the global economy to soften the impact of a pandemic-fueled global recession. That surfeit of dollars, euros and yen flowed into risk assets: stocks, commodities, real estate, fine art and, significantly, cryptocurrencies. Now we’re all paying the price for that as an inevitable inflation problem is prompting the U.S. Federal Reserve to remove the punch bowl. With good reason: Crypto’s concurrent collapse with stocks and other assets led some to question the claim that bitcoin is an uncorrelated asset and a hedge against inflation. But I think the excessive part of the crypto price rally – the part that took bitcoin from $30,000 to $65,000 but not that which drove it from $10,000 to $30,000 – was perhaps due to exogenous factors. Once prices settle, we should be in a better position to gauge how much of their future advances will be driven by legitimate crypto-only factors such as those described in points one through four, and how much is caught up in the risk-on/risk-off whims of a global financial system addicted to central bank largesse.