Penny,
i don't believe in savings plans but yours sounds good. am going to pm you for your life insurance plan as well. ehhehe.. agree with H&S, am going to take up ihi (bupa) when i go back to work to supplement my AIA h&s (same with dimple i think, no daily income but co-insurance and deductible covered). Sorry to hear about your exp with aviva, my spinal implant surgery plus hospitalisation hit 36k, out of pocket was about 6 grand i think, then i was still covered as a dependent under mom. Hoping AIA will work well for me.
do you believe in not putting your eggs in one basket or distributing coverage and investment linked insurance with a few companies?
XY,
love what you did with the crystals. so lurvely
we ought to have a new forum called pimp my baby carrier. apparently there's a woman online who does it. hehehe XY can be sg's pioneer. what i'ld give for a totally PIMPED OUT ULTIMATE ERGO.
features:
1) attached solar powered fan to cooling mommy's sweaty cleavage and bb's sweaty forehead.
2) retractable 5 inch LCD screen that runs on windows XP (because vista sucks big black hairy
b@lls), enough memory to store photos and to open a web browser with 30 tabs in ergo front pocket for entertainment on the go~
3) ipod player optional add on
4) boombox speakers with subwoofer on shoulder straps for sound surround effect
5) what else what else..