Has anyone come across man that carries coins in their pocket? Has anyone come across man’s wallet that comes with coins compartment? I have not. And due to this, we have lots of coins collected by my dear hubby. Worrying that it will get misplaced and being kept in the store later, we sorted it out and I sent them to the bank to get it counted and converted them into gold (in the form of gold investment account). The coins was so heavy and its value was only equal to less than 3g of gold! Oh ya, I noticed something, the bank still uses the old type of receipt printer when I requested for the amount I need to top up to get 3g of gold. Whatever it is, the coins are safe. 
Chinese New Year is approaching and my body decided to shutdown for maintenance since 2 days ago! I had terrible headache, nauseous, fever and sore-throat. Due to it I was in lying in bed most of the time. So, I get my girls to pack the Angpow packets for me. Later hubby’s niece came to help when my girls got bored doing the same thing over and over again.
When it is done, there is an extra packet for RM5 and RM1 short for the RM2 Angpow packet! For the RM5 Angpow packet, it can mean 2 things; either one packet is empty or I counted the notes wrongly. As for the RM1 Angpow packet, I am sure one of them has a RM3 in it! So, whoever got the empty RM5 Angpow, please don’t cuss me and the one that got the RM3 Angpow, that will be your extra blessings this year.
To those that does not need to pack any Angpow packets with your bonuses, be sure to spend it wisely. It is a good time to buy gold bullion now because gold price has dropped and will definitely increase again after the Chinese New Year.
Praise God for His blessings. This year, I received bonus from 3 different bosses. The amount is not in thousands but as little as RM50 is a lot for a SAHM like me.
The first bonus is from Mr Google. I managed to get the minimum amount for payment exactly on the month I needed it the most. It took me 10 months to enjoy this Adsense bonus. 
I did nothing within that 10 months. No serious blogging.
The 2nd bonus came from my youngest sister. I think she received a lot of bonus this year coz she is the nursery Asst. Principal now and her boss sayang her a lot. hehehe. I guess that is also a token of gratitude for breastfeeding her baby girl and babysiting her baby when she went out for makan with my mom.
I just received my 3rd bonus this morning from my SIL; my brother’s wife. A small token for sending and fetching their girl to and from kindy which is not neccessary coz I am sending my own children too. Since she insisted, I take lar. 
Bonus from hubby? Don’t think so. 
My BIL informed me that Allianz no longer have the family insurance package. He recommended another insurance agent to me from UniAsia I think. My youngest sister bought from my mom which cost her around RM100 plus a month which includes life and medical. I think the insurance agent is going to recommend the same to me. Like that arh, I surely can’t afford coz it will be RM100×6 = RM600/month! My online income also can’t pay for it. Well, I’ll just get the insurance quotes from her and compare with others.
To get free life insurance quote from various insurance company here is not easy. Firstly, we need to find their agent that we know. I won’t simply buy insurance from any agent worrying that I’ll be conned by them. Unfortunately, the agents that I know usually sells from one or two insurance companies only. I want to compare the insurance quote from a few insurance company to get the best package that fits my budget. Right now, I only know that Allianz can offer family medical insurance around 1k plus. Anymore insurance company that give better offer with almost the same coverage?
Is there any insurance company that offers family medical insurance under RM1k? After what happened recently to my 3.5yo son, I really need to consider getting an affordable term life insurance for the whole family. It is so costly if we want to get treatment in private hospital. I don’t mind going to general hospital but not for my kids. Their lives are too previous to be left under the hands of trainee doctors. I am canceling my own medical card so that I can use the money for paying the medical insurance for my kids. So, if anyone know any insurance company that offers family medical insurance under RM1k, please let me know ya. TQ.
I need to head the supermarket today. This time I am bringing my maid along so that I don’t have to push the shopping cart all by myself. The last time I did that, I suffered pain in my tummy for 3 days! Not only the shopping cart is heavy but it is not aligned. So I have to keep pushing it to stroll in a straight line! That takes a lot of my energy. Looking at my shopping list, everything could easily cost RM200 or more. I wish I have some silver or gold at my disposal. I wonder whether I can pawn it to Monex. Do you know that the Monex companies have been America’s gold, silver and precious metals investment leader for over 30 years? Now you know eh. 
When it comes to investment, some will depend on word of mouth, some will just let their remiser decides which stocks to buy and some will go all the way to analyze the stocks and the market trend. Do you know that there is a tool to analyze stock options online? It is called PowerOptions. With PowerOptions you can automatically sort, filter, and analyze all 3,000+ optionable stocks and 195,000+ options online to find investments to meet your profit goals. Now they are giving a 14-day free trial, an easy online User Guide, toll-free support, and their PowerOptions Performance Guarantee.
It is so hard to earn from online now and Paypal is making it harder. Do you know that there are 2 options when sending money through Paypal now?
You can choose to Send Money through Online Purchases or Personal Payments. Before this, only money sent to Business or Premier account will be charged a certain fees by Paypal. Now, if you choose to Send Money through Online Purchases to Personal account, your recipient will be charged a fee too! Take a look at the screenshot below…
The fee is 2.4% to 3.4% + USD0.30! That is a lot of money you know. If you choose to send money through Personal Payments, it is FREE unless you are using credit card to pay your recipient.
So when sending money to me, PLEASE send through Personal Payments.
I have to shove aside the thought of babysitting my brother’s baby or anyone’s baby to maintain the harmony in this family. I do not want to be accused of taking advantage of the presence of a maid and MIL.
Besides that, I don’t think I can start my day at 7am! My SIL starts work at 8am. It will be a 12 hours work for me; 7am to 7pm! And I don’t think I can commit myself 6 days a week, 12 hours a day and getting paid only RM250 a month. Even though at present I am starting my day earlier than that, I am taking it slow and steady and I only start to get busy at 10am when my baby finally wakes up to play.
Maybe when I am living in my own home, I can consider babysitting again. Till then, make do with whatever income we have.
