VISH VISH SAVING, EDUCATION & HEALTH PLAN

Education, saving and health plan is a great important for every parent to consider for their little one (mummy stephanie liah have brought this topic in her blog as well) ...as compare with our parent in the past they do not expose much but today's we have so many choice......do not let ur little one unprotected and destroy their dream just because u are unable to give them best treatment when they are ill and can't afford to send them to good school and university....Every parent wanna the best for their love one....As little Vish is our first child and it take us quite long to do research on the best saving, education and health plan for him...we don't want to regret in the future hence we did extensive research to ensure the plan is best for us.....

Darling Vish,
Mummy & daddy love u very much....after have brief discussion, conducted extensive research, considered here and there...here is ur education, savings and health plan.....


SAVING PLAN (under mummy account and will be transfered when u reach 12 years old to get ur own under Teenage Account)

• ASB (Amanah Saham Bumiputera) for u so that every year u will get at least 10% interest.....this is beneficial as compare with saving money in commercial bank saving account (no interest and if any olso not much) or fixed deposit (low interest and insecure).
  

EDUCATION/HEALTH PLAN
Mummy and daddy hopefully u will further ur study as high as possible in the future.....mummy hope u can become a doctor (gyn, paed, sur, den..etc...) the reason is so that u can contribute to our society and treat mummy & daddy when we are old....however daddy hope u can become an architect or civil engineer just like him so that u can built great building, road etc.....but darling it just our hope...all is depend to u....no matter what field u are interested with mummy & daddy never give up to support and encourage u.......when u are 15 months mummy will enrolled u at Smart Reader Junior.....3 years at Smart Reader Kids and 5 years at Lodge Kindergarten and primary one to form 5 at Lodge International School....university? since mummy can't further study at oversea (huhu mummy chosed to do master at local university becoz don't want to leave u and ur daddy) perhaps for mummy PhD we can go oversea....if daddy agree).......hence mummy hope u can go abroad.......

We have planned to prepare 3 education plan for u....one is ASD, SSPN and one from commercial insurance agent (so far prudential is in our mind)......

• ASD (Amanah Saham Didik under Akaun Bijak)...this is similar with ASB but focus on education....but get less interest as compare to ASB....approximately around 6 to 7% per year.....
  
• SSPN (National Education Saving Scheme)....this education plan we take to get income tax deduction/relief (RM 3000 per year).......and the best thing about this plan is depositor will get free insurance RM 50,000 who have accumulated deposit of minimum RM 1000......
• Prudential Education Insurance + Medic Card....very interesting 2 in one......in case if holder admitted to hospital medic card will pay for the expenses not more than RM 50,000 per year....mummy n daddy olso go for medic card...

The thing that i will regret for the rest of my life is we are unable to save his blood cord (stem life) just because Sarawak General Hospital, the place that i delivered do not allow this procedure...huhu...so sad....actually if not because of my fever n cough (suspected H1N1) i will not deliver there)...I plan to deliver at Kuching Specialist...not only the service is good but i can get his blood cord...but never mind can try for my second baby in the future...what is stem life bank about.... if u wanna know further just browse thru d net.....