Here's My Story

When GX Bank started, they offered 3% p.a. interest rate on its saving accounts, with interest credited on a daily basis. That was way better than what CIMB offered then. Yes, I could physically go to a CIMB branch to negotiate for higher rate for a FD placement but I would need to go back there again once it matures to again negotiate for a higher rate than normal. Troublesome. So I shifted fund to GX Bank and enjoyed those high saving rate. I was prepared to transfer them back to CIMB should they offer high rate. Few months later, earlier than expected, GX Bank announced that starting 1st Oct, the interest rate would be lowered to 2% p.a. So, I checked CIMB FD rates. As an example of what I found, the interest rate for a 6-month FD was 2.6%. What caught my eye, however, was promotional rate for 6-month FD-i (Maturity Returns): 3.6! What is FD-i? There are 3 forms of it but the common features are  they are all offered by CIMB Islamic Bank,  profit rate instead of interest rate, and p

In the past, each time Citibank charged me annual fee, I always wrote to them, using the secured mailbox (DBS made it easier: press "0" on their hotline or just talked to their digibot), that I would like them to waive the fee and that I would give up the bonus points that was normally given upon renewal. The latter was something I learnd from them the first time I asked for waiver. This year, however, I received this message even before I was billed the fee: That's fantastic: saved me the trouble to write in :)

I had a shock when I tested my cholesterol level: it went through the roof! Total cholesterol and LDL were significantly higher than 6 and 4 respectively, benchmarks that was set by the doctor, given my lifestyle and assessed low comorbidity risk. In fact, those were the highest so far. Yikes. My immediate thought was to purchase artovastatin on the same day I got the results but later I thought maybe I didn't fast long enough (should be at least 10 hours) and therefore tainted by the two walnuts that I ate late at night. However, my sister pointed out that walnuts supposed to lower cholesterol, not increase it. The other possibility was what I had 4 days earlier during an outing with friends: had a sweet drink (forgot to ask for less sugar) and a slice of cake but I'm not sure. Since this was a significant abberation, I retested 3 days later. The good news was that both total cholesterol and LDL dropped significantly (more than 10%) but they were still higher than the customis

We did try this one more time but during dinner and so there was no lunch promotion. Once again, the portion is quite huge but quality is so-so. Apparently, this is a recurring comment in the Google reviews. Also, I wish there was more fresh vegetables, to complement the rest of the dish. This is why I haven't had fish & chips in a long time. That was my last try because I don't think it's worth it. Incidentally, the outlet at One Utama is permanently closed.

After I started using ASUS Zenfone 8 about 2.5 years ago, I noticed how slow Ban's phone (Samsung Galaxy J6 plus) was. It became more obvious as he needed to install and use more apps on it but he was still fine with using it. What changed his mind was the sudden erratic clicking of the phone's pointer i.e. it moved erratically and randomly clicking everywhere. The technician at Dr iDevice guessed that moisture had somehow gotten in and messed up its inside. After trying her best to dry its inside, she advised Ban to observe. Didn't charge him, even though he offered :) It didn't come back for sometime but when it did, coupled with him dealing with the slow process of using more apps, Ban decided to get a new phone. As a birthday gift (he rarely needed anything!), I offered to research for a phone that suited his criteria and helped to purchase it. This was the list of criteria that I came up with, based on my observation of how he used his previous phones, which he a