A few weekends ago, Heartland Boy finally managed to convince his mum to go to the bank and open a new savings account. Now that Heartland Boy is back in Singapore for good, these are the little errands that he can now accomplish with his parents. Anyway, back to the topic of a bank savings account. Heartland Boy’s mum has been studiously stashing away her money in her POSB savings account all her life. For as long as Heartland Boy could remember, POSB was paying her mum an interest rate of 0.05%. This was particularly frustrating as Heartland Boy was earning up to 2.43% interest on his UOB One Account. In the past, Heartland Boy had thought of transferring his mum’s money into his account to help her earn the higher interest rate. However, this was met with a moment of awkward hesitation. The momentary silence would …