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Another Year Ending Soon

Looking back at the start of this year , that time my wife was a few months pregnant and baby's due date was 15 Jun 2015, ended up deliver on 20 May and thankfully baby is healthy except for her small hole in heart which is nothing serious. So what major things happened this year for me, arrival of baby of course, also got a promotion with good increment and bonus, other than that nothing much, haha my life is so boring. I hope next year also can get a good increment and bonus, and hope wife and baby's health insurance will go through, even if don't go through at least still have Medishield Life which is still great just that there are some limitations, and it doesn't cover overseas hospitalization. Also hope that baby's hole in heart will close by itself so no need any surgery, but I think wife might need to go for operation to change her heart valve, doctor say there is improvement from her earlier echo scan but he still recommend changing it. Anyway I hope
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Next Year No Property Tax

I received a letter from IRAS saying that due to the annual value of my home being $6000, I don't have to pay property tax for 01 Jan 2016 to 31 Dec 2016, that's one good thing about having small home lol.
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Selling House before MOP

I still have 3 years and 5 months before my 2-room flat reach the MOP, anyway yesterday I checked with HDB whether they have any scheme for me to sell my flat early, at valuation or slightly below also ok, they say have to submit appeal to higher level but they don't think it is possible since my reason is not that strong. My reason given to them is now that I have a baby daughter, I would like to upgrade so as to let her have her own room, I also think reason not that strong but no harm asking. The officer also advised me to take the Top-Up Grant of $15,000, I say don't want la, later have to pay $15,000 for resale levy. So no choice just wait for MOP lor, but that time when I bought my 2-room I also never expected to have baby because wife have heart condition, but who knows our miracle baby was born, all the doctors we seen before would advise us to terminate the pregnancy, only this NUH cardio willing to see through the pregnancy with my wife on Warfarin, so I am very t
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Baby Can Sit by Herself

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Today she is finally able to sit by herself on the bed without assistance, but occasionally she will fall back but still it's a milestone achieved. Today she is 7 months and 4 days old. Hopefully she can start to talk and walk, but now she still can't flip over, I think because she is plump, but at least she can stand with assistance. Baby sitting by herself
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Double Long Weekends!

Woohoo, company announced this Thursday and next Thursday can work half-day, this year so special so many long weekends, next year not so good so enjoy while it's good. Anyway I have contacted my insurance agent, I told her to declare that I am a smoker, pay more premium is fine, most important is when need to claim can claim, if now never declare next time when they find out then jia lat. I also asked my agent to prepare hospital and term insurance for wife and baby, have exclusion is ok as long as can cover other illnesses. Nowadays so dangerous, anything can happen, better to be insured than be sorry.
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Received Refund from Hotels.com

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That day  I was talking about me being overcharged by hotels.com, an overcharge of $1.99, today I noticed a refund from them, it shows up in my statement as S$2.01 cr , I believe cr means credit, so they credited that amount back to my card, I checked and it is indeed deducting from my overall spending. Refund by Hotels.com I thought they should be crediting 1.99, how come it is 2.01 instead, but anyway the point here is Hotels.com did a great job in resolving this issue, it's not even one week and the refund is completed, well done, will definitely book from them again and recommend my friends.
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Received Letter for Enhanced Baby Bonus

Letter says all babies born on or after 01 Jan 2015 will be eligible for $2000 more baby bonus, this extra cash is call "Baby Bonus Plus". $1000 will be paid when baby is 15 months old, the last $1000 will be when baby is 18 months old.
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Collected Daughter's Passport

I booked an appointment at 11 AM to collect at ICA, need to bring the pink card which they mailed to me, my NRIC and baby's original birth certificate. We reached early and registered around 10.35 AM, we were called at around 11 AM, the whole process took less than 5 minutes and at 11.05 AM we were done, but there is a massive crowd, I think holiday season so a lot of people renewing their passports, lucky we have appointment or else if we walk-in I think have to wait a few hours, so moral of the story is always book appointment before collecting passport.
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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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