Author: SimplyJesMe

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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Starting my own business and expanding my family

I could have just stuck with my old job. It is indeed the safer option to continue getting a regular income, continue working the same old job scope. People like to ask me if I have enough to feed my family and yet, start on a business. Many know that doing a start-up takes time, money and effort. Due to these reasons, many of them use children as an excuse not to venture out, to avoid risk and failure. I think it’s 2 separate issues. Indeed you will have greater financial burdens but that does not mean you cannot...

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5 things to prepare before your second baby’s arrival

During the second pregnancy, I was more or less used to the state of pregnancy, the discomfort of having a big belly, the morning sickness and all. They say subsequent pregnancies are unlike first pregnancy, time seems to fly past. I agree, I don’t monitor my baby’s growth as closely anymore and are more nonchalant about my growing belly. Many baby items can be re-used and it was great on saving money, I actually did not buy any maternity clothes too. However there are still many things to be done. Top on the list is telling your first born...

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Network marketing, MLM, direct selling

I am worried about many of my friends. Most are new mothers and are looking for flexible work so that they can spend more time with their children. They are lured by their friends who promise flexible work and easy-to-earn cash. There will never be cash that is easy to earn. If there is, it is most definitely a scam. If money is easy to be made, people will not have to look for you, many will flock to it. Let’s start with the definitions of some sales term. Network marketing or direct selling is selling a product directly...

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