My New Friend and My Insurance Policies

Dear Diary,

I am driving to Tangkak again this weekend and I am excited.  The excitement that I am feeling is probably because I will be driving. Driving long distance always makes me thrilled. Back then when I was living in Subang Jaya, I drove to Tangkak often alone. I would turned on the radio loudly and I would smoke occassionally. I enjoyed those moments although I was alone. This time, I cannot smoke neither can I turn the radio out loud as I will be with my parents. Nevertheless, it still makes me happy.

I did not plan this as my pocket money for November is almost zero but mom is free this weekend and she asked if I could drive them to Tangkak. I had my mind made up to work overtime this Saturday. I supposed I had to sacrifice for my parents again. I find it hard to decline their request. Declining their request makes me feel bad and lousy. As much as I want to make that extra bucks, I do not want to turn my parents down too. I read somewhere that we can always make money but we can never buy time. I could not agree more. The number of sacrifices I made for my parents are nothing compared to their sacrifices made for me.  I can never repay them because they gave me life.

I have a new friend Diary. She is from abroad and apparently her number has been in my contact list for as long as God knows. I was scrolling my list and I came upon her name. I text her and it all started from there. She is friendly and polite and I think we get along fine. I have made a couple of friends this way before. We have chatted before and exchanged numbers but we did not text nor call each other until only after I came across that unfamiliar name and I began texting. I don’t know why but it seems to me that I get along fine with Malaysians than fellow Singaporeans. Yes, I have more friends in Malaysia than in Singapore.

Biya is her name and she is younger than I am. I don’t know much about her let alone how she looks like. But I don’t really care as the agenda here is to make friends instead of girlfriends. Isn’t it right Diary? I have nothing in my mind right now except to know more people like me. Friendship is primary while love is secondary.  From my conversations with her I am assuming that we could probably end up as business partners one day. She was in small scale business before and she has a few business skills that I never had. She went for some courses in Tekun Nasional and yes, I am impressed. She does not speak English well though but who cares right? I have to admit that women who speak poor English never fail to turn me off but I have decided to fuck it because it does not matter anymore.

Did I tell you I have bought two new insurance policies Diary? I bought one from a friend in Malaysia and one in Singapore. It is a hospitalisation plan. I need one cos I don’t have any. The one in Malaysia is an endowment plan which gives me death benefit and 37 critical illnesses protection. I bought them because I thought the existing one I had has lapsed and it is inactive anymore. However, I decided to check with Prudential and apparently it is still active even though I have lapsed the payments for almost 4 years now. The original monthly premium is rm200 but after being lapsed, Prudential actually used my cash value in my policy to service my premium for the time I lapsed the payments. Therefore some of the benefits I was covered no longer exist in my policy like personal accident protection and hospitalisation coverage. The premium has been reduced too. 

Though the protection has been reduced, it is still good news to me as I have enough protection for myself now. I only need to upgrade my hospitalisation to a comprehensive one which covers outpatient cost as well and I feel I am good then. I am sure I will be alone when I am old cos it sure looks like I am not getting married, well to a man at least. I just want to make sure I have enough cash and protection for my retirement. If nobody is going to take care of myself, I supposed I have to do it myself.