Author: SimplyJesMe

My business venture

I mentioned about trying to take on a part time business venture and here I am, announcing and asking for your support below for SnackFirst: Why snacks? I am not kidding you when I say I have tried far too many nuts to get a good source. Duringmy pregnancy, I bought my nuts and seeds from supermarkets. Every time I look at the nutrition label, I was disappointed. They taste so full of salt and sugar that I can no longer taste the sweetness of the nuts. It’s a different story if I am eating honey coated or caramel laced nuts but...

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Another downward revision of interest – Goodbye OCBC 360!

I am not at all surprised of the changes to the interest rate for OCBC 360 now. From3.05% during their first introduction to 2.25%  (2 years back), this latest change that is going to happen on 1 April 2017 will result in only 1.85% for me. I will explain why it is probably time for me to say goodbye to OCBC. Let’s start with the changes: Bonus 1) The amount of money that can earn interest has increased Old Up to $60,000 New Up to $70,000 Bonus 2) Credit at least $2000 salary to the account Unchanged 1.2% interest Bonus 3) Pay any 3...

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Going in-depth on ILP vs term

Regarding my previous post going in depth on why I changed from ILP to term, I think there are many people who have questions and so to make it clear, here are the main reasons again: 1) My coverage increased from 250k to 1 million 2) Yet my premiums decreased half from $266 to  $139 3) Furthermore, the $266 for ILP will only increase with age while the $153 for term policy is fixed for the 25 years. Why ILP and life insurance are so popular Invest a sum for every month and when you retire, you get a lump sum...

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20 essential things to get before baby’s arrival

It’s a daunting task to cater and care for another human being. Besides the physical changes to the mother’s body, hospital bag to pack, spaces will need to cleared and arrangements will need to be sorted out. A hole in your pocket can be reduced if you are like me, buying everything online. Warning: This is not for everyone. I do not need well known brands or seek approvals from friends and family. I do require assurance about the safety and reliability so I only buy the top selling products based on volume and good reviews. Honestly, so far...

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My la la land clarified!

From my part 1 and looking at the comments, initially I was indignant. Why are you guys not supporting me? However, on a closer look, I am happy that you cared, no sarcasm whatsoever. It would have been worse if nobody have commented. You guys gave me good and sound advice and cautioning me against throwing everything into the wind. Thank you for caring and sharing! Anyway, I realised I was not clear in my writing and gave people the impression that I wanted to not work and relax at home. In another words, being a typical millennial. My American colleagues...

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My la la land

It’s the start of the year yet I have reached my mid life crisis. Or rather, a mid career crisis although I have only been working for 7.5 years. Yep, don’t laugh. I am very clear of my end goal, which is to be financially free. To get to the goal, I will need my own business and get out of the rat race. I can keep on climbing the corporate ladder but my personal time with family will be sacrificed. I am unsure of my next move. Should I continue my travelling job? The once-a-month travels is fine...

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Mt Alvernia – Mother&Child Guidebook review

I was pleasantly surprised to be invited to review on this guidebook (Click to read) because I have only started the #Familytalk series this year. I truly enjoyed my stay in Mt Alvernia but that is not why I agreed to do this review. The chief motivating factor is because this guide has been painstakingly compiled yet given free of charge to everyone. I can see it benefiting not just pregnant women, but also parents with toddlers, and women who are trying to get pregnant. Why you should read this When can you get pregnant? Can pregnant mums take durians? Would you spoil your baby...

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Stop wasting your time

Stop wasting your youth. Recently, the conversation between a few friends, colleagues and acquaintances revolved around the same theme – they are waiting to do things at the very last minute. One of my customers have just been served the retrenchment letter. Instead of actively updating her resume and finding a job, she said that she is too busy with her family commitments. The thing is, she knows she has to get a job to sustain her family but why is this not at the top of her priority? Sometimes, we really do need some reminders. You may think...

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Happy 2nd birthday!

I barely scraped through this year. Even though my 2-posts-a-week was reduced to only 1 post this year, I am quite proud of myself. I managed to keep my blog running through pregnancy, birth and confinement. Of course, those posts were written beforehand so they were scheduled while I was going through all sorts of pain. However, after the mess settled, I jumped right back. I had lots to share but not on financial stuff. As per my first birthday, here are my overall thoughts: 1) On Coftea The most popular post about HDB from him is still having 5 times the...

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My new Honda HRV

I have been delaying this because it is my second most expensive purchase after my own house but I really do need it for my job. The COE is stagnating at around 50K and I don’t see signs of weakening. Luckily, my previous worry of buying from a Parallel Importer (PI) was eliminated. Honda Authorized dealer (AD) – Kah Motor = HRV made in Japan since 2016 Parallel Importers (PI) = Vezel made in Japan Honda HRV used to be from Thailand and the specifications were worse off than Vezel, which is why the PI were able to reap all the sales....

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Updated BOC Smart saver vs other banks

From my last post, it seemed like BOC Smart saver is a good account. Alas, all good things must come to an end. It is not going to be so enticing anymore. Similar to OCBC 360, they changed their terms after the initial hype. Let’s take a look at the revised interest rates. Comparing the new changes to the rest of the banks: With that, the interest rate for the majority of us would be different too: You can see that BOC Smart saver is no longer that attractive after the change. Initially, they wanted the market share and...

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POSB Cashback Bonus vs Standard Chartered Bonus Saver and others

Every bank now wants a piece of the action. Thanks to the success of OCBC 360, DBS and Standard Chartered bank are coming up with the bonus interest plans now. However, timing is everything. It will take much more to get consumers to switch away. Anyway, let’s evaluate: POSB Cashback Bonus POSB Cashback account is a very different account compared to the rest. Instead of computing the interest rates based on the bank balance that you have, it is based on the individual category. For example, Max Salary Credit interest = $20 cap per month/ 0.3% = $6667 salary...

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Travelling mums

Being a Full Time Working Mum (FTWM) poses a different set of challenges. You worry about leaving your children with the correct people. You know that nobody will take care of your children as good as you. You try your best to spend more time with them after working hours. You feel guilty for going away and not giving them the unlimited attention. After all, the first few years are the most critical when the baby really needs you and most people regretted not spending more time during this phase. As I mentioned previously, I would rather work than take...

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SimplySalesTalk: How to manage a micromanager

I used to work in SMEs and I can understand why the bosses like to micro manage people. They know that their employees are bound to quit sooner or later so they would want to know whatever you do so that they can follow up when time comes. They also want you to do according to their methods because they know that you will never put in as much effort as them.Thus, it leads to micromanagement. Even bosses in MNC might be prone to micro management. They might feel that they can do better than you so they keep...

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Advertorials or helpful sharing

Recently, I received a few advertisers asking to post on my blog without mentioning that it is an advertorial. Worse part is, I have no say in the post or what is going to be published. This becomes not my blog anymore but a platform for advertising. I hated it. I want the money but yet I cannot accept it. Sigh, why so difficult to earn money?! I think my readers will know that it is not written by me but then, my credibility as an objective reviewer will just go down the drain. What if the advertorial post...

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