Author: SimplyJesMe

To succeed, what are you willing to sacrifice?

Success? What exactly is success? I used to think that to be successful is to be rich and not have to work at all. To be a ‘tai tai’ was like an ideal dream and that defines the pinnacle of success. Now that I am in my 30s, success is not so straight forward anymore. I find a few millionaires friends around me in our 30s and this is the sacrifice that they made – Time. They put in lots of hard work to earn more money. When people are out shopping or spending time with family, they are...

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5 reasons why you should start online shopping

Online shopping is a way of life for many of us, especially for working adults and that makes up around 26% of the population. There is still a large portion of the population who is not into buying things online and I don’t understand why. Here are 5 reason to convince your parents and more friends to start buying things online: 1) Maximum freshness is guaranteed One of the great benefits of selling online is that I can keep my stocks fresh. Take for example the snacks from us. We keep them in the fridge and air-tight containers and keep...

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The cheapest diapers in Singapore!

I always think that diapers are very much overpriced but super necessary. Ask me to use reusable diapers and wash the poop and urine every day, I will not do it, I would rather pay for disposable diapers. However, as with all things, they should be made cheaper because we change diapers so frequently at every 2 to 3 hours. I blogged about it previously that Huggies Total Protection Silver Pants is one of the cheapest and bought them from MyCK stores for my elder daugher. Recently, I found an even cheaper brand imported from MyCK. Introducing Baby Diary diapers:...

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3 lessons I learnt from my kids

These days, I am busy teaching my daughters all kinds of things. I corrected my elder daughter’s pronunciation, questioned her on alphabets and quizzed her on colours. The different types of transportation, why lizards can climb on walls and how there are no monsters in the world, those are just some questions parents have to answer every day. For the younger daughter, she is just learning to walk and feed herself but you can see she is eager to grow faster so as to run and play with her sister. While they are growing and learning, they have also...

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Self employment – A year in review

My business is now more than 1 year old! Time flies and I can’t believe I survived a test of ups and downs. I can’t say it was an easy time because it was definitely a steep learning curve working in my own business but this past year was definitely rewarding. What I like The high pay per working hours is indeed the main attraction of the job. The flexibility of the hours is another part which helped me throughout my morning sickness and maternity months. I was able to focus on my current priorities in life, which is...

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The biggest regret for most people

Work takes up a huge part of the conversations nowadays because the other half is about family. But with single friends, it is all about work and career. Most are particularly interested in my start up business and with good reason, I am the first to venture on my own. Many thought that venturing on our own is to want to make it big, do IPO and create a disruptive technology. No, that was never in my plans. To create a business that disrupts people’s lives, which is disruptive technology means you need a very good idea or novel...

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Do you really need baby or maternity insurance?

From my parenting talk with DBS NAV, this was the question that was asked several times and I don’t think I had enough time for an elaborate answer. I thought it through and feel it would benefit more people if I explain why I did not buy maternity insurance here. I am going to use PRUfirst gift as an example so that I can explain in details, not that I recommend Prudential over other insurance companies but because I have a close Prudential friend to clarify all the information. First, we talk about the coverage for it:1) The insured...

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Private vs Government hospitals for delivery

Most people are confused over going to private or government gynaecologists and hospitals for delivery and I hope this post will clear all your confusion. It is just nice that my friend happens to go through the subsidized route so I can take a look at her bill. The shocking thing is the difference in price. But let’s not get ahead of ourselves. Let’s define the term private vs government first. Government gynaecologists are those situated in government hospitals, such as NUH, KKH and SGH. There are other government hospitals but these are the only ones for child birth....

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My 2 bedder experience at Mount Alvernia Hospital

This time round, I decided to stay at 2 bedders in Mount Alvernia because my husband will not be staying with me overnight. That was the main reason why I took up a 1 bedder ward. Now. he has to take care of my toddler daughter so I am all alone in the hospital. To have someone’s company seems acceptable to me and I can save some money in the meantime. I don’t relish the prospect of staying in a hospital room alone, but that’s just me. I thought things would not so comfortable as it’s a shared bathroom....

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Happy 4th birthday – 5 things I realise at my 30s

Now that I am a mum of 2, I realised a big difference between my 20s and 30s. 20s is a time where I keep travelling and climbing up the corporate ladder, trying to impress customers and bosses, learning about the world and building up my network. It has been fun learning about other cultures and also myself and my working style. I worked hard to get higher salary to pay for a wedding, house and honeymoon. I like having to travel for free and eating good food at the expense of the companies because 20s was a period...

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Why planning for retirement is even more important now that I have 2 kids

It seems just like yesterday when I graduated from university. The past decade has been a whirlwind – I’ve gotten married, moved into a new house and expanded my family to include 2 lovely daughters! Before getting married, I would go on holidays and only save around 20% of my savings. As I did not have any dependants, I thought that I did not need to set aside an emergency fund. Everything is not the same now. I thought I was pretty thrifty but after paying for my wedding, honeymoon, downpayment for my house and home renovation, I was...

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All you need to know about confinement nannies – With PEM Confinement Nanny Agency

Cannot talk and laugh ah!PEM confinement review That’s what my grandmother used to say to my mother while she was doing confinement. It’s like anything you do (breathe?) will allow ‘wind’ inside your body, resulting in chills and illnesses after confinement. Very strict practices for the last generation but thankfully, it is no longer this case. Nowadays, we have confinement nannies who allow mothers to recuperate while they handle your newborn and they will cook nourishing confinement meals. Enter PEM confinement agency, the top choice in Singapore, judging from the amount of positive reviews online. I did not hire...

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Talk on 25 Oct: Financial decisions for first-time parents

Are you a first time parents or intending to start a family soon? Is your household finances a big issue in your mind and you have some questions on how much it cost to expand your family? For my first child, when I broke the news of my pregnancy to my partner, his expression was full of excitement and anxiety. Excitement for the bundle of joy yet worried about our expenses. I am sure most men are like that, thinking one step ahead about the finances and how they can handle the additional responsibilities. Be more prepared and come...

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The ultimate price comparison of Integrated Shield Plans (Updated Oct 2018)

Due to the recent price increase for NTUC and AXA, I had to do an overhaul of the comparison table, some minor price changes for other insurance companies too. In the future, there will not be any 100% coverage or as-charged plans anymore, after the recent government’s announcement on the changes. I hope the next update I can bring you, is the comparison table that has 5% co-payment. A reminder, please remember to include the Medisave charges for Medishield Life so that your final bill will come up to the same as my tables. On top of the...

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Parenthood Tax Rebate Rocks!

Of course, everyone hates to pay taxes. It’s money that seems like an unnecessary burden. I am not entirely clear how the tax collection system works in other countries but I am very impressed with how the Singapore system is. No joke on their efficiency and these are the little things the citizens sometimes take for granted. Safety, efficiency, transparency. These 3 qualities are enough to make me so proud of Singapore every time I go overseas and how my international friends are so envious of us. I know detractors will like to pinpoint our little flaws after all,...

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