Let's start with the plus plus. I play a game called Angry Birds Dream Blast that BIKSS started playing first. And at first when I tried it on his phone I didn't like it. But after some time when I went to play it again I found that I actually enjoyed it. Perhaps he had moved on in levels and I found it just challenging enough.
So I downloaded the thing. And now I'm at level 7000 and something. I just thought it was cute that they built the '7000' into the game layout for the level.
Dinner last week was at a place by the beach. It was one of those things that look like a hut, no fuss, not many tables - read : less chance of having to deal with screaming kids thank goodness! - and so we had a greek salad, some stuffed portabellos, and a grilled barramund. Could have been better... but it was decent enough. I'm not complaining. The ambience was lovely. By which I mean we were the only people sitting indoors. There were a few tables occupied outside. A quiet dinner is a great dinner imo.
One thing I found hilarious was that on the menu it said all mains were served with vegetables and starch. I mean, who calls it starch? Couldn't they just say potatoes? LOL.
The rest of this week has been all about finances for me. I pulled out some time deposits that were giving me pathetic returns and stuck it all back in for another term with more than double the interest. Thanks to the 'rona, interest rates were at something stupid like 1.1% when I placed those funds. Thankfully it's climbed back up to the 3 point somethings.
I also had to renew my home and fire insurance. Which isn't a whole lot of money, but it's just tedious having to log in and make payment etc.
Then I got an email saying that my government approved integrated insurance plan was up for renewal and I had to pay a little over a thousand bucks. What? Wait. No.
So I did some digging and asked around and someone suggested this company that mum and dad's insurance plans are/were with. I don't handle their stuff, the brother does... so I had no prior experience with them aside from recognising the name of the company.
Turns out a friend's sister is an agent with said company so she put me in touch with her, and we sorted out the stuff in one afternoon. I will save about 27% in premiums annually, so I decided to pick up a rider that would limit my copay to 5% (instead of 10%) with a cap at 3k per year, and take care of my deductible of 3.5k altogether - taking it down to zero dollars - woot!
I mean, that's some serious peace of mind for $200 a year.
(For definitions on copay / deductibles etc click HERE)
I tried explaining all this to my sister when she asked why I was meeting an insurancent agent, but as usual she's all like "Oh I don't understand any of this my brain's too old to fathom these numbers and make sense of all the terms... I don't know... I'll just let my husband deal with this stuff." I REALLY CANNOT UNDERSTAND how someone could be so negligent. Yes, negligent, in that she just doesn't think about what will happen and how it will impact her children should anything happen to them. Argh.
Side note - I later told my niece about the Silver plan - see below - and suggested she find out what her parents are covered for and consider picking up a plan on their behalf so if they end up in hospital she won't be bankrupted by their bills.
Anyway, aside from that, because I know I don't have a great disability / critical illness plan, I decided to check if they had a cancer-specific plan cos the boss suggested it - he recently got one for himself because of the way cancer treatment costs here are escalating every year. It's gotten to a stage where in April this year they'll be announcing a revision on the payout schedules for ALL insurance companies across the board cos there's going to be some huge overhaul in the Health Ministry's definitions of cancer treatments and management.
So there's a cancer plan that pays out upon early stage AND late stage diagnoses of cancer (for 125% of the sum assured) and also the full amount of the policy in the event of accidental death; and then there's a "Silver" plan (I found this rather amusing) that I'm just old enough (50) to qualify for. My agent recommended that I take that over the former, cos on top of all that the other one has, it's got additional coverage for "fractures requiring surgery or surgical fixation" PLUS there is an extra payout (albeit only 25% of the policy) in the event I need to be placed in a hospice for "terminal cancer". For about $3 more monthly, that's not a bad deal.
But if I die of natural causes then my next of kin gets a measly 5 grand flat. LOL.
Alright, so I paid for all the things, and filled up all the forms.
And downloaded all the apps and documents and what nots.
Then I got an email saying it was time to renew the work visa for my caregiver... which also meant I needed to renew HER insurance plan.
The government makes it compulsory for all employers to take up an insurance policy for stay-in caregivers / housekeepers when we commit to a contract. And so I rang the agent again to ask if they had a policy for stay-in caregivers, and she got a general insurance specialist to give me a call.
My, but she was super efficient. She definitely knew her stuff! And she was a fast talker!
"Hi my name is Jane, and I'm calling per your agent's request (Marilyn) to help you with your caregiver's insurance plan prior to her work visa renewal. Is this something that you requested?"
Me taking my own sweet time on the phone... - um, oh hi Jane, yup I asked Marilyn if she could assist with getting my caregiver a policy for the next 2 years.
"Sure, we can do that. Have you received the official notice of renewal? Either hard or soft copy?"
Me - uh yeah I have an email.
"Ok I'm going to ask you to pull up that email, and also get hold of your caregiver's passport as we'll need the passport number and date of expiry, I'll hold while you gather the necessary documents."
"If you look at the notice of renewal on the top right corner below the date you'll see a permit number beginning with 0 - can you read that 8 digit number to me beginning with zero?"
"Now below the salutation (Dear Ms Fondles) you'll see a service expiry date - can you read that date out to me in date date month month year year format?"
And on and on she went. It was ALMOST like being talked thru an automated system. But BETTER!
Anyway we got that done in no time at all and I'm a happy camper.
Except now I have to keep an eye on the date cos come 30th March I'm gonna need to pull out another bunch of time deposits and re-deposit them with better interest. One matures on the 30th, so I thought I'd just wait till then (and not pay the penalty for that one) and then pull the rest (that won't mature till months later) out on the same day.
Oh, and in some good news, one of mum's homecare grants has been doubled from this month onwards. Some enhanced financial measures that the government announced in the recent budget. It's only $200, but that's better than nothing.
It'll buy me more chips, at the very least :)