Received a phishing SMS today saying there was a charge made to my CIMB credit card and asking me to call a number in the SMS. Anyway the SMS turn out to be scam after I call the number at the back of my credit card to confirm. Remember to only call the number behind the credit card.
PB HealthCare
Recently received a call from telemarketer promoting PB Health Care plan. Perhaps my mandarin is bad but the insurance product she is selling is too good to be true whereby guaranteed in no change of premium until maturity (age 70).
Based on my current age of 31, the telemarketer informed that my monthly premium is as follow
Plan 2 – RM81.36 monthly
Plan 4 – RM146.28 monthly
So I did a further check on their Website PB HealthCare but discovered from the PRODUCT DISCLOSURE SHEET that what the telemarketer said is misleading. According to the PDS only Premium of Death Benefits are guaranteed while premium for Lifestyle Disease Benefit and Daily Hospital Income Benefit is NOT guaranteed.
Telephone Conversation between me and telemarketer (Jump to 2.33 for telemarketer saying about guaranteed premium 这个ä¿è´¹ä¸ä¼šæ ¹æ®ä½ 的年龄在起价)
The NON Guaranteed Premium Clause

Download Product Definition Sheet here
PDS_PB-Health-Care_English
Cleaning Conventional Car Battery
Seeing much white dust developed around my car battery so I decided to clean it up. Items that I used.
- Sodium Bicarbonate. You can get this from supermarket (baking section)
- Waxco Silicone Spray (optional). This product will prevent white dust from further corroding your metal parts (this is because the spray will act as a film against the white dust & metal and you can get this from your local hardware store. (Mr. DIY etc)
- old towel.
- Water
Steps
- Mix a spoonful of sodium bicarbonate & water inside a bottle (shake well until all the sodium bicarbonate dissolved).
- Make sure your car engine is OFF. (No need to disconnect battery wire)
- Pour the sodium bicarbonate solution on the white dust. (You will hear some hissing sound which is normal as the acidic white dust react with the sodium bicarbonate)
- Repeat step 3 as necessary until all white dust is cleared.
- now pour some water over the battery to rinse and use the old towel to dry the battery.
- Spray Waxco silicone spray on to the battery terminal and any area previously plagued by white dust. (Make sure no open flame nearby as the spray is highly flammable).
- After sprayed with silicone, let it dry for 2 mins.
- You can now start your engine and good to go.
- Sodium Bicarbonate
- Waxco Silicone Spray
- Car Battery After Cleaning
Allianz PrimeCare
I recently bought a new policy from Allianz with a monthly premium of RM115. This plan cover more than 100 critical illness and pay half the sum assured at early stage if diagnosed with critical illness (Carcinoma in situ)
My policy comes with the following:
- Life Sum Assured- RM5,000
- Cancer Recovery Benefit – RM70,000
- Diabetes Recovery Benefit – RM40,000
- Critical Illness Sum Assured – RM200,000
- Total and Permanent Disability – RM5,000
Attached is the brochure Prime_Care_Factsheet_AZ0715_23Jun15_R1
Tyre Service
Paid the following for Myvi tyre service… was it too expensive?
| Wheel Alignment | RM20.00 |
| Wheel Balancing | RM20.00 |
| Adjust Left Camber | RM25.00 |
| Right Wheel Camber Nut | RM45.00 |
| GST | RM6.60 |
Listerine 21 Days Challenge
Riviera II Apartment, Taman Kencana, Cheras
Seems like The Resident Ampang South is a refurbished Riviera II apartment.
Dead body of man found in water tank
- Dead body found inside water tank of a serviced apartment at Jalan Semantan, Damansara Height
- 200 residents drink corpse water for 5 days
- Victim identified as 43 y.o Chinese male who reported missing few days ago
- Police still investigating the cause
Source:
chinapress 20150514
orientaldaily 20150514
thesundaily 20150514
Cancer Coverage
Refer to my earlier post, most of us may not be aware that most insurance coverage do not cover early stage cancer instead most plan will only pay at end stage cancer.
Plan to upgrade my Critical Illness plan ASAP.
Probably the best Group Term Life Insurance for Teacher
Just sharing the best GTL insurance I have seen so far that comes with very good benefits & cash value upon maturity. This GTL plan is by Zurich.
Download the complete brochure here 20150428 – Zurich Smart Care














