I do not like to bitch about life because I do not wish to waste my time on things that do not deserve my time and energy. But sometimes, I just cannot help it. I mean, I am a human after all and we have to release our frustration. I would like to bitch about a recent incident but trust me, it is relevant to personal financial planning, and not some random rant. The incident taught me about the importance of paying more for an insurance plan which covers private hospital charges.

It goes like this. My mum complained of a sharp and nagging shoulder pain on one side and the pain pulsated down the arm to her fingers. She is a strong woman who never complained about hard work and has a high tolerance of pain. It must have hurt so much that she wanted to see a doctor ...