Author: SimplyJesMe

DBS Multiplier vs POSB, OCBC, UOB, BOC

  Thank you to some readers who push me to work update my latest table on bonus interest. My last post comparing all the different bank account needs to revise now. I was very motivated to write on this because this is one of the rare times where bank actually revise their bonus interest upwards. Finally! What is DBS Multiplier? I like the bunnies, quite creative! Let’s jump straight to the good part: No minimum salary credit No minimum credit card spending Sounds so good! Especially now that I am self employed at SnackFirst, all the more I need an account...

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NTUC Gold formula milk price comparison with other brands

NTUC Gold formula milk price comparison with other brands Tuesday, November 07, 2017 Jes Familytalk , Finance 0 Comments With regards to my previous price comparison on the prices of formula milk, I feel that it is in need of an update particularly because NTUC’s own brand has arrived to disrupt the market. My baby has already switched to drinking cow milk so I won’t be letting her try it. Thus, this is just purely a price comparison and not anything pertaining to the taste. Similarly, the content of AA/DHA will be added to the revised table. Introducing the...

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The ultimate price comparison of Integrated Shield Plans (NTUC, Prudential, AIA, Great Eastern + Aviva, AXA)

  Finally. I finally got around to doing this and finally can get to say that this is really the ultimate price comparison with the numbers from all the insurance companies. For my last post, I did not add in Aviva and AXA so I was reminded by many that it was not the ultimate price comparison yet. So now, besides NTUC, Prudential, AIA and Great Eastern, the numbers of Aviva and AXA were included as comparison to find out which is the cheapest. As usual, for MediShield Life and its cost, please check out my previous post which has...

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ID vs Contractor

  Following my last post regarding renovation tips, I got a few enquiries on the comparison between interior designers and contractors. Most people would be more familiar with ID because they have showrooms or are located at shopping malls for walk in enquiries. For contractors, it’s always word-of-mouth because they don’t publicise their services to end customers and mostly do projects for businesses and even IDs. To get everyone more familiar with both terms, I am listing the differences here. 1) Price I was pretty hardworking and went to 5 different IDs to get a price indication of renovation....

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Cross road

Cross road Thursday, September 21, 2017 Jes SimplySalesTalk 0 Comments The early morning quiet yet bustling activities at the airport. The wait to board the plane. The idleness on the plane and hoping for time to speed up. The waiting for luggage and careful sighting of your own. The arriving to a new country and hoping on a taxi to an unexplored place. I enjoy it all. Unfortunately the time has come when I want to do what I love and for the right reasons too. Not just working for a soulless corporation. Seeing the throng of moving corpses...

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SimplySalesTalk: Retrenchment

  I was just talking to my company’s Global Operations Director on his career. He started out as a top graduate, landing the role to design the mechanical intricacies and piping of a production plant. Slowly, he worked his way up, moving to China to build a plant from scratch and was in charge of the whole production team of thousands. I was impressed but more curious how he managed to stay in the same job for the last 20 years. He told me he loves his job. He likes building plants and seeing his actions translate into tangible,...

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5 money saving tips on renovation

  I have not blogged much about renovation and wedding preparations mainly because I started this blog after I was married. So there is a big chunk of information missing and I would like to catch up on that. This post comes because many of my friends kept asking me these questions and so, I think sharing this will benefit more people in time to come. I really did paint my own house 1) Go with a contractor The hardworking me set off to find a good price for renovation. I went to 5 Interior Designers (ID) and hear...

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5 best confinement food and snacks

Mums have a tough life. After the painful delivery of a baby, they have to go through a confinement period which is hot, sweaty, painful, bloody and exhausting. It just seems unfair that mummies have to handle so much at one shot. Nonetheless, confinement food need to be healthy and nourishing to replenish the blood and nutrients lost. These are the top confinement food regularly consumed: 1) Meat and fish – Chicken, pork, beef, salmon  The best source of iron comes from meat and fish so it is highly encouraged to eat them. We do not absorb as much iron from other food...

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Should I buy insurance policies to 99 years old?

I am very happy to receive mails from my readers because it means you are trying to change things after reading my posts. It is heartening to read about people taking charge of their own financial situations and insurance policies. I am no guru but I am most willing to help and contribute with my personal thoughts. You can contact me through my feedback form or just send me a message through SimplyJesMe’s facebook messenger. Anyway, I have received a few queries over this and would like to address this once and for all. For a start, you need to ask yourself...

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Invest Fair 2017 – Differences of investing in 20s, 30s and 40s

Last Sunday, I had a chance to speak at the Invest Fair, together with Brian (ForeverFinancialFreedom), Alison (Heartlandboy) and Kenny (MyStocksInvesting).Thank you everyone who came as I was surprised to see the place fully packed even though there was not many people at the fair that early in the morning. I actually asked Mark (Editor at MoneySmart), our interviewer why people would listen to us since we are not millionaires or have any proven track record. He mentioned that that’s precisely why people would want to hear from bloggers, it’s because we are more relatable. We are just another normal person...

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HDB loan vs Bank loan – Why I will still continue with my HDB loan

There has been many articles on this discussion and I have been researching on it time after time. Each time I wanted to be convinced to change but I was not. So I spent some time organising my thought process and would like to share them with you here. Why I went with HDB loan in the first place? Lesser cash upfront For the purchase of HDB flat, 20% of the amount is needed as the down payment. If you have sufficient CPF funds and with HDB loan, you can pay this 20% fully with your CPF-OA account. For...

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Invest Fair 2017

I don’t talk much about investing of stocks because I know I am no guru. Particularly because I am no guru, this might just appeal to the 90% of the population who are looking to invest. The organisers said I was the first they invited. I know why, it’s likely because I am a female. It’s not easy to find a woman blogger to talk about investing, I am a good example. I rather talk about finances, travel, insurance, food. Particularly food, it’s easier to blog about it and there are so much food out there to blog about,...

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Formula vs cow milk for babies

After the comparison of the price for different brands of formula milk, I started asking why toddlers have to continue drinking formula milk. I understand that for babies below 1 year old, they cannot digest cow milk due to the high amount of proteins. Formula milk is designed to have similar proteins as breast milk, high irons and AA/DHA which is more suitable for infant development and easy digestion. The myth is that formula contains more nutrients than cow milk. Cow milk actually has higher proteins and calcium than formula milk. Formula also contains more sugar than cow milk. However, cow milk...

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Cost of raising a child in Singapore

Time really passes fast, my baby is now 15 months old! It seems just yesterday I was writing about my first trimester. With mounting family expenses. I am keen to find out how much I have spent for my pregnancy and all related expenses. Besides my prenatal and delivery cost, there are also other expenses. Let’s find out the approximate first year cost of raising a baby in Singapore. Previously, I have wrote about the 20 things you need to buy before baby’s arrival. The expenses is less than $1,200 for me. What about the daily expenses? These are the 5 main areas that is the...

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Best business account for Start-Ups and SMEs

I am on an investigative mood nowadays. After comparing the prices of diapers, milk powder, Integrated Shield Plans and kids’ savings accounts, I am now trying to find out the best business account for my own business, SnackFirst Why do we need a business acount? This is the top question especially for companies with only 1 person, aka One Man Show. The obvious reason is because we need to separate our personal and business finances. This is to ensure accountability and tracking of your finances. Business account for Start Ups Most of us thought we would definitely have to pay to maintain a business account,...

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