Shopping for medical cards!

Health insurance a.k.a medical card is an extreme necessity that most of us don't realise until we experience the pain ourselves. My brother was admitted to one of the private medical centre here. And since it was an emergency admission, we just used credit card to swipe in for the deposit. After all, how much could it cost, we thought. The next day, the specialist came to inform that we needed to top up our deposit as it had crossed 7K. Just 2 days and it had crossed 7K!!!

And even though my brother had a medical card covered by his work place, the limit was up to 12K only. So, we are most likely to foot the total bill that would probably hit the 20-25K mark.And that's a LOT of money!

So, my first priority now would be to ensure that my entire family is adequately insured. I have to hold back on my investment plans for the time being.What else can be more important than the welfare and well-being of your family? And that reminds me..I've to get a card for my wife as well. Earlier, when I got a medical card for my son, I did not take for her because her work place provided her with one.

So for all you guys out there, do not delay in insuring yourselves and your family. Yes, more expenses incurred, but it gives you a peace of mind.

Achieve Abundance of Wealth and Prosperity by Using Money Affirmation

Today, I would like to share with you all something different, something that I've come across quite lately and been practising it myself and surprisingly it works! Don't ask me how, I only understand half of it (hopefully) and still struggling to understand the rest of it. So, if you want a further understanding, you should contact Mr. Hari or his team of volunteers from IRAH- HOME OF HEALING who are there just to serve mankind with unconditional love.

Ok, coming back to the topic of today - Money Affirmation.

The self- heal Money Affirmation is meant for all who are seeking for abundance of wealth and prosperity in their lives.This affirmation is also for those who are suffering from financial woes such as debts and constant worries about the lack of money. Frequent repetition will lead to believe and thereby the manifestation of wealth.

I am thankful, for abundance of wealth is flowing into my life.
I am thankful for the comfort, freedom and joy in spending and enjoying money.
I am thankful for money is flowing freely in my life, trusting in whatever ways it comes to me.
Thank you for the abundance of wealth and the freedom and joy to spend and enjoy money easily.
Thank you for Blessing My Life with Love, Joy and Abundance.

Hope you readers benefit from this as well as I did. If I remember it correctly, Mr. Hari mentioned to me that if you think of wanting something, your state of mind will be conditioned to that state permanently and that's what you will be - wanting something.

Instead, try to imagine and affirm that you've already got what you wanted and thank for what you've received. Slowly your mind will begin to believe that you've already got it and that's what you'll have.

Again, if you have the how's and why's jumping up and down your head, better head over to irah-healing and talk to the right people. They would be more than happy to serve you.


When it is a question of money, everybody is of the same religion. ~Voltaire

FD to My Rescue

Fixed Deposits (FD) has been an dull venue to make your money grow, as far as I am concerned. It is only to be used if you have some spare cash that you don't need to use in the near future. And it is also a tool that helps people in the near-retirement category, where they are not willing to take much risk in equities or other similar kind of investment vehicles.

So, what about me or others in my category, who prefer to take more risk with their money? Can't FD help us at all? Or so I thought, until recently. I found that the FD account can be renewed on a monthly basis. And in case the need arises for me to use the cash for emergency purposes, I still have the flexibility to do so.

You see, the arrangement for my maid's salary is like this: I only have to pay her full 2 year's salary when she completes her contract. Until then, I'm allowed to put her monthly salary in a separate account (not necessarily under her name) in case the authorities request to show proof of me paying her salary.


Until I make the full payment to my maid who is going to be richer than me, I decided to bank in her monthly salary to a special FD account created for this purpose. I'll make some extra cash (even though its a very small amount), which I won't see if I just let the money lying in a savings account.

Stretching your $$$ during bad times

Last month, the government seemed to have reduced the interest rates. This was done in an effort to promote spending and therefore to revive the economy.

I noticed that Fixed Deposit (FD) rates that was at almost 4% is now at 2% per annum only.Since FD is the most simplest & safest method of making your money grow, most people would stash away unused cash in a FD account. But looking at the current situation, it is not as attractive to lock your cash in a FD account somewhere and let it lie there almost doing nothing. So what are the options that you have now? Either take some cash and spend it (main intention of the government) or start investing or pay off some your debts that carries higher interest rates. I opted for the 3rd choice after doing some homework.

The home loan I was servicing had interest rate of 5.99% per annum. After the Base Lending Rate (BLR) was reduced by the central bank, most banks cut theirs. The bank now has offered me an interest rate of 4.6% per annum. With this new rate, if I religiously continue to pay the monthly amount I'm currently paying, the loan would be settled within 12 years, instead of 24 years. What a difference it makes!

But no bank will call you an make their offers. They certainly would not want to reduce their profits that they make from you, would they? You will have to make the call and ask for a reduction. Most often, you will find that they are more than willing to accommodate your request. If you are no more within the lock-in period, then you have a better bargaining power on your side, as you can always do a refinancing with other banks.

Opportunities like this doesn't come very often. So, make good use of this bad economic times to your advantage. I believe I've made mine.

Severe Infections Lands Me in the Hospital

Not enough with year 2008's lousy closing, 2009's opening was even more devastating for me. For those who may have been wondering of my absence of more than a month, this is the reason: I was admitted in the hospital for severe infections. To complicate things even further, blood samples sent to the lab were returned with mismatched results!

Getting admitted into the hospital is not a good idea at all, if you ask me. Prolonged stay there can cause you to get sicklier as well. Not forgetting the boredom that comes with staring at the four walls when you are awake and the pain that comes when doctors and nurses come to prick you for setting an IV drip and collecting blood samples from you.Ouch!!!

Friends who visited me joked that my name would definitely be the top on the list for retrenchment, looking at the serious economic situation we are in right now. This was also the time it made us realise the importance of having a proper/sufficiently covered medical card (insurance). At least you won't have an additional stress worrying about huge medical bills that will be handed to you on discharge from the hospital.

I'm just glad I'm back home. Home sweet home.

Major Landslide!

For those who have been wondering why I haven't posted for about a week, this is the reason that I have- I was caught in a landslide! A reason good enough, I hope.

All power and telecommunication to my housing area was cut off. The main road was inaccessible due to the debris from the landslide and the houses that collapsed from the impact of it. Finally we had to come out through a jungle, which was cleared by the army personnels who arrived at the location for the search and rescue operation.


We could see young and old alike trying to vacate the disaster stricken area as soon as possible. In total, 14 beautiful bungalows was destroyed and 4 persons were killed and 1 body still not found in the tragedy. Luckily the number of death was low as it occurred during a long weekend break and most of the occupants were away.

Please bear with me until I get things sorted out.