Friday, June 22, 2018

5 days 4 night staycation at Thomson medical

笨mummy spent 5 days and 4 nights in a hospital with Child 2 due to bronchitis last week. The bill came to around $7.5K and with deduction from Mediasave of $1,800 and claim allowed by the insurance (a shield plan), she only needed to fork out $6 out of pocket for the total bill. She is thankful for the insurance that she took out in the first month when child 2 was born and it helps to pay the main bulk of the bill. She would definitely encourage parents with young kids to take out at least a basic shield plan. 

The reasons why the bill came back to such a huge amount is because 笨mummy has opted to switch from a two bedded to a single bedded room after first night and the hospital is a private one.

The switch from two bedded ward to a single bedded was 笨mummy's request. As the first night stay at two bedded ward was a terrible experience as the little one would be constantly disturbed by the nurses who dropped by to do their checks throughout the night for both children staying in the ward plus the constant coughing of the other child in the room. To make thing worse,  the parents sharing the ward left the light on their side on through the night and this affected child 2 as she was used to sleeping in completely dark room. On the first night, Child 2 had problem sleeping and only managed to doze off at 9.30 pm and woke up at 1 am before falling back to sleep at 3am and up again at 6 am the next day.

Hence, a switch to single ward was made the next day so that child 2 can has better sleep with less disturbance at night. And indeed child 2 did manage to sleep from 8.30 pm all the way to 6 am the next day from the second night.

As for why 笨mummy opt to stay at Thomson Medical (TMC), it was because 笨mummy brought child 2 to the 24 hours clinic at TMC and the doctor made the call to admit child 2 due to her condition. The 24 hours clinic is always the first choice when there is emergency at night or during weekend when the GP clinic is not open. 

笨mummy had rather bad experiences with KK Hospital A&E when child 1 was sick. Generally, the waiting time at KK hospital A&E was quite okay when child 1 was a newborn (i.e. below 3 months of age) but when child 1 passed the newborn age, the waiting time was terrible and one could wait for 2 hours and it is not even your turn to see the doctor. Other than the waiting time, the doctors that 笨mummy encountered at KK hospital A&E are generally young doctors that look rather fresh out of the medical school and they still need to consult the senior doctors after their examination. And it makes no difference between seeing them and a normal GP at the 24 hours clinic at TMC as their medical knowledge are on par. Plus if there is stool test of blood test that needs to be done, it can also be done in-house at TMC.

笨mummy hopes there would not be another staycation anymore.

Friday, June 1, 2018

Updates for May 2018

On a personal level, it is a hectic month of May with Child 2 starting childcare. A lot of crying during school as expected and a lot of “activities” waiting at home when the kids are back - feeding, bathing, coaxing to sleep, follow by laundry, household chores like sweeping and mopping. Work wise still in the “do nothing much” mode as workload is considerably low and time at office is not productivity used. 

Invest wise, it is a good month with a rather handsome amount of dividends (see below) coming in and there were some buyings activities in May as follows: 

- Subscribed to June 2018 SSB of $34,000 using two accounts and this coupled with the redemption of the Feb and April SSB as a mean to switch from low interest rate SSB to that of higher interest SSB
- Added 9,000 unit of Mapletree GCC at $1.21 before XD

Total dividend received for this month is sweet amount of $4,300+. .. How 笨mummy wishes that it is a monthly occurrence. ☺️
The only bad new in May is due to Hyflux. Having $8,000 vested in its preference shares and having a possibility of writing off if things never improve is a rather painful thought but this could happen. 


Dividend / Interest for the month of May 2018
Ascendas REIT - $1,418.40 
Ascendas India Trust - $85 
DBS Pref Share - $233.07 
FLC Bond - $181
Keppel Corp - $280 
Kingsmen Creative - $75 
Mapletree GCC - $453.1 
NERA - $75 
Oxley Bond - $123.97
SPH -$120 
ST Eng - S$1,100 
Suntec REIT - $243


Dividend received in Year 2014
S$ 8,241.99
Dividend received in Year 2015
S$ 8,978.59
Dividend received in Year 2016
S$ 12,145.15
Dividend received in Year 2017
S$ 12,964.44
Dividend received in May 2018
S$ 4,387.54
Dividend received in Yr 2018 to date
S$ 7,190.94