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This Gain City Really Cannot Make it

Yesterday they came to fix my aircon gas leak problem, we waited one month just for that, their customer service staff and their technician promised it'll all be fixed once and for all, guess what, yeah we did enjoy ONE night of cooling and tonight, it's not cold again. WOW. So what are they going to say now, they came up with all sorts of excuse to delay the servicing and when the time comes, they didn't really fix it, I thought they said they will order spare part, yesterday they only did welding, what the heck? If anyone reading this is thinking of buying from Gain City, well, we did enjoy coolness for almost two years, but unfortunately it had to break down, and when it breaks down, the after sales support felt like non-existent, yeah they do answer your calls, respond to your mail, but they just cannot fix the problem. So if you want to buy, you better pray hard it doesn't break down. Now I'm going to look at the servicing agreement and see what I c
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Appointment at SGH O&G High Risk Clinic Again

Today we went back to the HRC and wow, there seems to be more and more people attending to our case. There were 5 doctors and 2 nurses, seems like a really big deal. Anyway, they did the usual thing, ask how my wife is, so I told them she's feeling nauseous all the time and the senior doctor said it's normal due to hormonal changes and it's a good sign. I also told them about the dark red blood that stained my wife's pantyliner, at first one of the nurses looked worried when I said it happened everyday and I tried to tell them it's not really a lot of blood, it's just one thick red line. I thought it's normal because I did a research on the internet and found that it happened to many pregnant women in their first trimester but I found it difficult to say it out, I mean the pantyliner and blood, just so weird. So they quickly put my wife on the ultrascan, I think they did the usual electronic penis thing but I'm not sure as this time round, I was sittin
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How to Properly Dispose Used Syringe

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Source 1. Put it into a used plastic bottle. 2. Seal the bottle when it's full. 3. Mark the bottle with a label stating "Used syringes and needles". 4. Throw bottle into rubbish chute.
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Why Do We Have Cash-Over-Valuation (COV)?

Because prior to the introduction of COV, sellers must sell according to valuation price, and this makes them unhappy when the valuation price doesn't match their expectation, so they resort to taking under-table money i.e. whoever willing to pay extra gets the deal. But such practice distorts data, it doesn't reflect actual selling price correctly so our government cannot tax correctly, or you can also say that they will earn lesser. Then some smart person decided to implement COV to stop all the under-table deals and as we know now, it works as intended. COV has been around for a long time now, long enough to drastically bring up the prices of resale flats in Singapore, countless people have been buying and selling, so many change of hands, and with every change of hands, the price goes up, but some people may argue that there were also cases where flats were sold below or at valuation i.e. no COV. But how many such cases? Obviously it doesn't matter, just look at the c
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High Medical Cost for Singaporean with Foreign Spouse

These days I've been thinking a lot about the money I spent on my wife's pregnancy, so far it all added up to around S$1000 and that's only for 3 visits at the gynae, all within a week, and I'm the type who is very careful with spending money so I'm still getting used to spending so much, so fast. Of course I don't forget that my wife is a special case due to her operation but still, even if considering only the consultation and ultrascan charges, it's still a significant amount. I have a colleague who knows a bit of my story and today he suggested getting insurance for my wife but actually I have spoken to my insurance agent last year, way before we decided to have a baby, and she told me that it's tough to get my wife insured due to her operation, furthermore it was a major operation i.e. open heart surgery. Plus she has to be on life-long medication. So when insurance is not available, and my Medisave is untouchable, what else can I do? Pay in cash.
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Review Heart Doctor Report at SGH Obstetrics and Gynaecology (O&G) Centre

So we went back to O&G to review the report with the gynae and we talked about my wife's heart surgery done in Thailand. This time we brought along a memo from the Thai doctor who operated on my wife, we also told the gynae that last time we checked, the Thai doctor said my wife can have baby, but only one child at the most, and there will be a 10% risk. The gynae then gave us two options, one is to go for abortion but we must do it within 24 weeks of pregnancy as that is the legal limit, two is to continue with the pregnancy and they will monitor closely, of course we choose the latter. The gynae then told us that they have to take my wife off Warfarin and put her under Low Molecular Weight Heparin (LMWH) for the next 7 weeks starting from today, by the way, my wife is about 5 weeks pregnant now. She said this is because the baby will be developing vital organs from the 6th to 12th weeks so it's important to avoid Warfarin during this period, and the alternative blood th
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Can Use Medisave to Pay for Pre-Delivery Expenses... Really?

This is covered under Marriage and Parenthood Scheme . This is the FAQ . I feel very disappointed and irritated when I read this part in the FAQ, What is Medisave Maternity Package and its purpose? Medisave may be used for maternity expenses. This includes expenses incurred during delivery and pre-delivery medical expenses such as consultations, ultrasounds, tests, medications, etc. Under the Medisave Maternity Package, up to $450 may be withdrawn for pre-delivery expenses when claimed together with delivery charges . All receipts for pre-delivery expenses must be submitted with the delivery charges for claims at the hospital. It means that I can only claim up to S$450 for pre-delivery expenses, and I got to cough it all up in cash first, and I can only make the claim if the baby is delivered, wow. I don't understand, it's my money after all, why should I be bound to this kind of stupid rule, not as if I'm using it to do something silly. If you read here  and count
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Appointment at SGH High Risk Clinic

We saw the doctor today at the High Risk Clinic, it's at level 2, right above the O&G centre. We were there early at 9.15am, on time for our appointment, luckily there wasn't any waiting. There was one doctor and two other personnel offering input, I'm not really sure who they are though, but I think they are doctors too, maybe different specialisation. Anyway, it all came down to understanding more about my wife's heart surgery which was done in Thailand and they really don't have any info on it. They needed to know exactly which valve was replaced because it makes a difference. So the doctor arranged for a Echocardiography session, also to be done in SGH but at Block 4. After lunch, we went for the "echo" session (short for Echocardiography), it took almost an hour and I was instructed to wait outside, so I have no idea about the process. After that, we were told that the heart doctor wanted to speak to us. She told us that my it was my wife'
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Long-Term Visit Pass - Plus (LTVP-PLUS)

http://www.ica.gov.sg/news_details.aspx?nid=12665 Good news for those of us who cannot get PR for our beloved spouse, because the Singapore government has come up with a enhanced long-term visit pass called LTVP-PLUS or LTVP+. I'll sum up the key points in the FAQ provided by ICA so you don't have to go through one big page. Do let me know if I missed out anything or correction is required by dropping a comment. GENERAL LTVP+ will be in effect from 01 Apr 2012. LTVP+ holders will enjoy extended duration of residency, public healthcare subsidies and easier access to employment. No separate application required for LTVP+; an application for LTVP will automatically include your spouse for LTVP+, if eligible. LTVP applications submitted from 01 Feb 2012 will automatically be considered for LTVP+. The first approved LTVP+ will grant 3 years residency and subsequent renewal will be 5 years. Current holders of LTVP will be considered for LTVP+ on next renewal. If holde
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How to Marry a Thai in Singapore

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You should refer to here -  https://www.rom.gov.sg/reg_info/rom_marriage.asp Please spend some time to go through and understand the information on that section (legal provision, other information, filing of notice, solemnization and etc), if your still not sure, feel free to drop a comment here or you can use their FAQ . The ROM website did a really good job of putting together the information that you need in a well-organized manner. I've done it once and I think the guide is very easy to follow. The only hiccup I've had with my marriage is during the  Appointment for verification & Statutory Declaration where both of us were required to read out a wall of text and my wife had difficulty getting past the first few lines and the counter guy got fed up and told my wife to stop. Definitely my oversight as I didn't arrange for an interpreter beforehand but luckily, there was a licensed interpreter at the scene and we managed to get her to do the interpretation fo
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Commission Calculator for DBS Vickers SG Stocks

Made this little tool to help me calculate the costs of buying or selling a stock, just enter number of shares and price and it will show both buy and sell costs at the same time. Can even choose by cash upfront, online or phone and it will calculate using respective rates. Cash Upfront ONLINE By Phone Shares: Price: Value: Commission: Clearing Fee:
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