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Showing posts from May, 2017

Extremely bad start with UOB One

With the influx of posts on social media re UOB One (psst on grabpay) and the receipt of my house keys, I decided it was the time to sign up for a UOB One account plus credit card.

It was gonna be the best tool for household joint expenses and joint savings.

However, I've faced multiple hiccups that made me VERY frustrated....WHY ME?!
1. Delayed approving process led to losing out of sign up bonus
First, I signed up for the UOB One card and Account in early Oct through Singsaver's promotion. The promotion said that I'd get to enjoy cash incentive for registration + UOB's promotion of $80 cash credit with min $1k spent within 30 days of card approval. Mind you, these terms were stated to end on 31 Oct, extracted below:

S$80 Cash Credit for UOB One Account: Limited to the first 500 new to UOB Deposits customers who either (i) deposit and maintain $5,000 or (ii) credit their salary, into their new UOB account for 6 consecutive months. Terms and conditions of the UOB Online …

Buying insurance is a responsibility

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Growing up, I never had any insurance plans. My mom defended that my dad never had enough money, so how in the world would they have money to pay for our insurances? You may judge me, but I felt that was an irresponsible thing to do. Thank god we never had to be admitted to the hospitals, but what if something happens?

I was really emotional about our lack of insurance plans. I felt that they didn't care. The only thing they bought was an endowment plan that matured when I turned 21, I believed. The last I knew, this plan didn't even give profits. I was angry, but my anger subsided after I reflected on this - my parents are not well-educated. They didn't even have their own hospitalisation plans, and my dad even thought that he could rely on his company's hospitalisation subsidies should anything go wrong. I chided him for thinking this way. He's in his 60s already. If his employment ends with his company, who is going to insure him? Who is going to pay for his me…

Get your wisdom tooth extracted at govt hospitals

I previously complained about my wisdom teeth.

Some people are lucky - they either dont have wisdom tooth, or their wisdom tooth grew well vertically.

Since young, I don't have much luck with my teeth. I had braces done for very vain reason because my front tooth was protruding outwards. Other than that, the rest of my teeth are generally fine. I recalled paying $3500 back in 2005-2007. Oh man, that was a long long time. I'm not sure how much braces cost nowadays, but it was a lot of money back then considering how I had to dig into my savings. Anyway, I don't regret this cosmetic surgery since it gave me confidence to smile properly.

Back to my wisdom tooth, I knew back in secondary school that I had some growing in my gums. My dentist told me when I did my xrays for the braces. But as it was still growing, there was no way of getting it out. The dentist did hint that my tooth were likely impacted judging from how they grew.

Fast forward to today, it was during a recent d…

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