No Medical Insurance

When I stopped working 4 years ago, we have to minimize our expenses and live with a single income. One of the expenses that we forgo is my medical insurance. With no medical life insurance, we trusted God to keep me healthy. I have to do my part too by eating a balance diet and do away with unclean food whenever possible. Praise God, till today, I did not have to be hospitalized other that due to my pregnancy. God is my life insurance now. :)

Car Insurance Renewal Reminder

As I am typing this post, I am being reminded that I need to get my car insurance and road tax renewed by end of this month. Since I am driving an old junk, I am sure the insurance cost will be very high. Furthermore not many insurance companies want to insure old junk these days. :( I am going to check out the car insurance rate at http://www.wholesaleinsurance.net/. I hope to find a cheap one.

My Laptop Dropped!

Do you know that accidental damage and theft is not covered in the laptop warranty? I just found out today! Thank God nothing happened to my laptop when my 17mo baby pulled the charger wire and my laptop landed on the floor from the table top.

Do you know there is actually an insurance policy for those things that are not covered by the laptop warranty? Oh well, if you own a super expensive and store lots of important stuff in your laptop, I think you should insured your laptop. As for me, my laptop are just for me to go online to blog and FB. ;)

Accident Right In Front of Our Eyes

When travelling with a borrowed car, the worst I feared is getting into an accident. Hubby, the driver does have accident and illness insurance but not the rest of us; not even cheap funeral insurance!

We prayed for journey mercy and keep our eyes opened and mind alert throughout the 3 hours car ride. Lo and behold! An accident happened right in front of our car in less than 4km from home. A motorist overtook us and attempted to overtake a lorry on a curve road and met a car which stopped to turn to the right. The motorist did not managed to brake on time and bang the car that stopped in the middle of the road to turn right and flew off his bike and onto the stationery car and felt on the other side of the road with on coming vehicle. Thank God he did not fall far away from the stationery car and an on coming car managed to avoid from running over him. It will be a gory scene if otherwise happened.

We pitied the car that wanted to turn right. It was not his fault. He stopped at the correct junction with his signal on but a reckless motorist ruined his car and his day. No matter how careful you are, you still need affordable life insurance to protect yourself against careless and reckless people like the motorist.

Cheap Health Insurance

Talking about cheap health insurance, I still have not got one since I canceled a year ago. Unless I can really find one that is really cheap with good protection plan. Praying hard that I won't fall sick to the extend that I need to be hospitalised.

Reason for canceling my health insurance is to minimize our monthly expenses because I am no longer working and have to depend on hubby's income only. Don't want to burden him so much.

Life Insurance Still Pending

After talking to the new insurance agent, I kinda regret when when I saw my term life insurance quote. I am paying the same price but with no medical card. The return is almost the same.

Gosh! I guess insurance agent are trained to make you feel bad and then decide to ditch your existing policy and buy a new one from them.

Too bad, I can only feel regret but I won't ditch it coz I felt it will be a bigger lost for the amount that I have paid.

Shallow Insurance Agent

My BIL introduce an insurance agent to me recently when I was hunting for instant life insurance quote. She is a nice and friendly lady but she is not familiar with certain terms in the insurance plan that I requested. I kinda loose confident in buying from her. I want to buy your insurance package not your friendliness charm. You don't know your product, how can you help me in the future when I want to make certain claims?

Family Health Insurance

After my son was hospitalised in a private hospital, I am determine to get a family health insurance. At the same time, I am canceling my own medical insurance so that we have enough to pay for our family health insurance. All this while I was so confident that my children won't fall sick until they need to be hospitalised. And when the need arises, I refused to send them to Government Hospital due to so many negligent cases that took lives.

Insurance Company Not Selling 3rd Party Insurance Policy to Owner of Old Junks

My dad was complaining that a few insurance companies do not want to insure old cars anymore. Normally for old cars we only buy the 3rd party insurance policy right? It is the cheapest. According to my uncle, the insurance company will only insure your car if you buy the 1st party and 3rd party policy. This will cost almost RM300 per year excluding road tax.

I wonder when these took effect. I did not read anything about it in the newspaper. I am sure the government has something to do with this because they want to phase out old junks. They are even offering trade in at RM5000 for cars older than 10 years to buy a new national car. I heard that road tax for old junks have increased too.

You know what, by doing this, their own people will suffer because if they keep using their old junks, their will have to spend more each year when renewing their road tax and insurance. If they buy a new car, every month they will have car loans to pay.

Those who are working in MNC, they do not have to worry about all these because they will surely have Auto Allowance. The poor will become poorer. Things can never change.

Need USD500 by 10th January!

*Big Sigh* My mistake.

I should have inform my insurance agent earlier to change my life insurance payment to monthly earlier. Now one year premium has been billed to my credit card. Not only that, my medical insurance is also due in the same month, December!

Some of you might think, "Oh, credit card...nevermind, can pay slowly." But this credit card of mine is auto-debit every 17th and I have to have the full amount by 17th. If not the bank will charge me a certain penalty fee!

Where/how to find USD500 within 8 days???

Reducing Mom's Allowance

I even forgotten to give my mom her monthly allowance last month. Not I purposely forget about it. It is just that almost every month I will have enough to withdraw from Paypal and when I go to cash it out, I will set aside for my mom but this month, no Paypal money to withdraw yet! So I borrowed hubby's business money first. =(

Next month I have no choice but to reduce her allowance a little bit unless I have good offer from US. I hope she will understand my situation.

At the same time, I just received a bill from my insurance company; medical insurance due this month. Thank God my car insurance due mid year. If all lump at year end...pening, pening!

My Savings Account Short of Almost RM2k!!!

From time to time I will login to one of the banks to check my balance because for foreign bank you must have minimum RM2k in your savings account if not you will be charged RM5 each monthly whenever the balance is less than RM2k.

That bank is also being use to pay my home loans and insurance. So I have to monitor whether I have enough money in it. As far as I know, this month won't short of cash there.

I still login to be sure. Lo and behold, I saw the amount is less than RM1k! I panicked. More than RM1,900 has been transferred to a credit card. I checked my credit card statement; confirmed, never spend that much.

Who stole my hard earn money???

Tried calling UOB 121, my house phone key not functioning! Can dial telephone number but can't choose whether I want English or Malay or Chinese. Then I called the local bank branch here. The officer told me that the money was being payment for Mastercard. Aha! Must be my husband's. Hmmm...I wonder he bought diamond or LV and for who??? Anniversary was 3 months ago; my birthday long time some more.

Buzz him on Gmail chat, he said he dunno wor! Asked me to check his credit card statement. Found the statement; still in the envelope, unopened; last month one. Since the wife is paying his bills, he can't be bothered to look at his statement! Angry lar.

Found the amount being paid to ING. Who's insurance??? His? Cannot be, his is Manulife. Told hubby to call the agent. It's our son's yearly payment! All this while I thought I am paying his insurance monthly. Must get the agent to set it to monthly next year. One time got to pay so much; it hurts a lot! Especially now when we are really short cash! :(