Author: SimplyJesMe

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, plus 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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Your Work Is Not Your Life

Some friends see me as ‘unemployed’. Others see me as taking a break from corporate world, and they kept on asking when I am going back for interviews and trying to recommend available jobs to me. A few think I am resting at home, possibly slacking and shaking my legs. Doing your own business is not so free and easy, after all. It’s actually much more busier and productive than the average worker. We don’t watch the clock ticks past and often, time flew by before we have to rush to another place. Not many will understand and that...

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Technology is not to blame, you are

Recently, PCF introduced technology into our sign-in system. Instead of the manual signature by the parents, parents use the iPad to take picture to sign in. Seems like a no-brainer as this digital storage of information will be better for the administrative duties too. The best thing is that they can take picture of the person fetched the kids from school. In case of any dispute, they are able to track it and prevent any incidents where our children can be fetched by any random stranger. Technology can really help us a lot. So I was surprised to overheard...

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Cost of a traditional Chinese wedding in Singapore

I am not joking when I tell you a wedding is a hefty affair. Looking at the financial point of view, I would have opted for a simple buffet lunch but no, wedding is also a family affair. It really depends on both you and your partner’s parents, more so for the bride’s parents. They would want a lavish event to marry off their daughter proudly and to loudly announce to their friends and associates. This is also their day so I have to do it their way. My parents requested the wedding banquet and I couldn’t say no...

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Entrepreneurship – A wasted degree?

Earning $100k or getting a honours degree is not stopping me from starting me own business. However, many would feel that I have wasted my education. They ask, why do I need to study so much if I am going into entrepreneurship? Have I wasted my technical knowledge and wasted my last 8 years of working experience? I don’t think so. Education has prepared me with enough concepts and theory and that allowed me to self-study for other online course I like. With the fundamentals taught in school, I can read through online materials easily and grasp concepts with...

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Sharing session with SimplyJesMe – Postponed

The sharing session has been postponed as the organisers will be holding a bigger event at a later date and combined with other bloggers. The scheduling of this date was too rushed so they were unable to get more speakers. Now, this is a better idea! Attendees will be able to learn and get to know more from a trip down and I wholeheartedly agree. Thank you to the people who signed up, willing to take the effort to travel and just to interact with me. I really appreciate your support and looking forward to meeting with each and...

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Customers are not always right

I know I have not seen all after being in sales line for 9 years. After so long, people still continue to surprise me. One thing does not change: Customers are not always right. They can shout at their top of the lungs, they can scold you for their bad mood, they can shift the blame to you because of their own fault but they cannot escape blame on their part. I know I am in the service line and I have to give great service to people so that people will recommend our snacks to others. I know...

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Club Med Bintan – All-inclusive, unplanned holiday

This was quite an interesting idea for me – All-inclusive resort where all the food, accommodation and facilities are added in the price. I heard it first from a few friends but I never thought I would want to try it. After all, shouldn’t a holiday be full of sight seeing, shopping and walking? Not if you just want to relax and not have to plan any itinerary or follow some boring tours. Price is not so prohibitive too. At $825 per person, and free for any children below 4 years old, it was an enticing offer to bring...

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