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Showing posts from March, 2018

Already 5 years into the workforce. What have I built?

It was a sudden awakening - I've already worked for more than 5 years.

But what have I achieved?

I stepped into the rat race as a noob (nobody uses this word now, I admit I'm old), being tekan by unhelpful "seniors" who thankfully left after 1+ year of torture and earning lesser than my peers, to slowly building up my confidence, emerging stronger and being more courageous to say "No", proving myself along the way and getting rewarded with better bonuses and increments.

I know I'm working just for the money (and the medical benefits that comes with it).

If I look at the money, so far, I should be doing it right in my career. I've decent bonuses and decent increments. I'm in a general profession, but I'm doing pretty ok.

So what has my 5 years of work got me?

Money. 

Through employment, coupled with my thrifty habits, I managed to hit $100k savings at 25 years old. And it took me another 2-3 years to get another  $100k at 28.

But, along with it,…

Disappointing revision to BOC Family Card

All good things always come to an end.

Readers would know I'm quite an advocate of BOC, given it's relatively attractive rebates and interests it has been providing me. Just a few hours ago, I received an sms from BOC informing of the "enhanced" benefits for my Family Card.
From 23 Apr, enjoy 10% cash rebate on Dining everyday (local & overseas) & Movies. Plus, get 5% on Telco bills! Continue to earn 5% for Online, Supermarket, Hospital bills, selected merchants & 2% on supplementary card.  At first glance, I smiled. Dining rebates is now enhanced from 7% to 10%; movies are now included for cashbacks; and enhanced 5% on telco bills! That was until I opened the T&Cs link.

And then I frowned.

The BOC Family Card was my main card for dining spends. With 7% rebates on all dining, with a max rebate of $100, it was the best dining card I could find. Clocking above $500/$1500 on this card also gives me a 0.8%/1.6% interest on my BOC Smartsaver. The best retu…

4D3N Bali travel insurance for $12.05

I'm back! I finally had time for a short breather after days of overtime at night and weekends for work.

I've been complaining to my partner that I badly need a break. An overseas break. I needed to get away from the constant beeping on my phone and away from my work laptop. So, in between my daily commute and lunch breaks, I've been checking out deals for a short getaway.

My budget...below $500 for two for a 4d3n trip. With some luck, I managed to book my Bali trip at <$400 for air tickets and accommodation.

Next up was booking my travel insurance. I was comparing the premiums across the usual insurers when I came across Policypal which offers attractive discounts for travel insurances. On top of that, the incentives for booking through them was a $5 discount on the insurance premiums and 15% cashback!

At the time of blogging, MSIG Traveleasy and Sompo are running up to 60% and 45% discounts for their plans. In the end, I shortlisted Sompo where the initial premium was…

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