See, this is why someone like me will never be laugh out loud happy. I’m always running around doing things. In Singlish that’s called “cannot sit still”. So I finally finished my essay for a course. It’s been stressful because I’ve forgotten how different academics was from actual practice of the law. And to celebrate finishing the essay what do I do? I made a dress for Little S, in an evening after a full day of work. What was I thinking?
One day before my birthday I heard about this amazing event being held at the Nee Majestic Hotel, which is quite an oxymoron for a hotel that no longer is in operation. The hotel was ceasing operations to be converted into a private club and between ceasing operations and commencing renovations there was a 2 days window to make use of the space and 30 of the rooms were converted into playgrounds for local designers of anything from jewellery to clothes, scarfs, shoes to food to furniture.
So on my birthday, that was where we went. It was a wonderfully amazing experience especially now that Sophia is on the cusp of being able to appreciate more grown up art and Sandra is cute and friendly enough to attract everyone’s affection. We played chapteh and ogled at a scarf featuring chapteh, ate delicious sea salt caramel ice cream, watched coutour bring hand made, and generally enjoyed ourselves before adjourning to Sophia’s all time favourite fish and chips place – Jerry’s. Ok, not technically a chip shop but a BBQ place, but their fish and chips is delicious.
I had something on at the People’s Association headquarters today and was surprised at the number of people who remembered me from “the learning journey”.
Now I must explain that learning journeys were things that PA conducted quite regularly so the fact that I shared at one two years ago really shouldn’t be all that memorable. The project that I shared on was one I am extremely proud of for sure – Ageing Gracefully at Home, a program that provided holistic care for the elderly staying alone in the one room rental flats in Chin Swee. I was glad that so many people remembered the sharing about how we assigned neighbours to the weaker elderly as befrienders who would remind the elderly to take their medicine and generally watch out for the elderly, and eventually expanded the program to even providing nursing care in the elderly’s homes. The elderly were also engaged socially and encouraged to come out for exercise if they could. Nutrition down to the point of arranging for dentures so that the elderly can eat well, and mincing their food in the interim was also cared for by a dedicated community nurse and her team of healthcare aides.
In fact, apparently the sharing about the program made so much impact that it appeared on a feature wall with, shock horrors, my face on it! And what was draped over my shoulders but a nursing cover!
That was when I realised that what people remembered was probably not the program I shared, but the baby I brought along and was breastfeeding at various points. Advocating for breastfreeding while advocating for elder care – killing two birds with one stone! I wonder how many would notice the nursing cover……
A child at church brought iced gem cookies to crèche and the kids started asking for them so we made some.
We used this recipe save that I replaced a third of the plain flour with finely ground wholemeal flour.
Sophia’s verdict was the cookie is yummy but not the gem part. Sandra spat it out once it touched her tongue. I Guess they are both Nor fans of super sweet things like meringue, which is fine since neither am I.
Or maybe the title should be unusual baby taste buds because my babies definitely have unusual taste buds.
The older one is quite the opposite of usually kids because she really likes green leafy vegetables. I’m not showing off here because it is really quite irritating that she only eats very limited things and the only thing readily available when we eat out is Chinese style green leafy vegetables, and either rice or noodles (lamian style, not Italian or Cantonese style).
The younger one has a broader palette but I still haven’t quite figured it out. She’s not a fan on chocolate wafer biscuits or sweet treats generally. She loves berries only outside the home (at frozen yoghurt places, on cakes etc when we eat out) but whenever we buy a punnet, she hates them.
And more surprisingly, she likes 龟苓膏, a bitter tasting herbal jelly usually rated with a sugar syrup, even when we haven’t added sugar syrup. Hmm..
Gosh, how do the youtubers make it seem so easy?? It’s incredibly difficult. And mine turned out way ugly.
The concept is easy enough. Melt white chocolate, smear a layer on a spherical chocolate mould. Add red food dye to the melted chocolate, smear similarly. Place in fridge. When set, repeat with another layer. Remove from mould, join a red half with a white half, placing a small Pokemon toy inside, seal with more melted chocolate then pipe on the black line with chocolate coloured black.
What could go wrong? Well firstly coating the spheres was not as easy as the video made it seem, especially to get the sides thick enough. Then when I tried to join the 2 halves together, I tried to just remelt the chocolate that I used earlier and it turned lumpy. I had to make up a batch of royal icing to do the decorations instead but still it was not easy to make the icing stick to the ball.
Also, how do you prevent the yet undried black line from smudging and contaminating other Pokeballs, short oh holding each one until it sets (which runs the risk of melting the ball anyway not to mention being completely impractical).
So there’s the first batch of end product, definitely not a masterpiece but I guess you could say they’re not complete flops either. Glad my daughter is not fussy and is already mighty impressed with these.
This link about pregnancy insurance keeps popping up on my facebook page. Pregnancy insurance is something I have seriously looked into and have some views on. I have resisted commenting on the post even when my friends share it because I have good friends and some family in the family industry and I don’t want to offend them. However today it just popped up one time too many for me to resist.
Here is the link so you have a fair chance to see the original writer’s side of the story and take a view.
In this post, I will be presenting a different view. There, I’ve said it and incurred the wrath of all insurance agents and brokers out there. But let me explain. I am a believer in insurance – where it makes sense. My medical insurance cover is probably higher than most, and I utilise a combination of whole life, term life and savings plans to create a safety net for my family.
Pregnancy insurance is something that I have looked into ever since I conceived my first child. There are many more products now than when I first started looking. However, even with many more products today, none of them make sense for me for the following reasons:
1) They only cover very limited congenital diseases – 18 is the highest I have seen. Compared to the endless possibilities of congenital conditions out there, the chance that the pregnancy insurance will come in useful is slim.
2) Payouts are low relative to potential medical costs if something bad really happens. Generally the idea of insurance is so that you don’t have to worry about medical costs, but pregnancy insurance cover is typically something like $10,000 or less, which is nowhere near enough to cover medical costs for the alcovered conditions or complications.
3) Finally, the so called guaranteed insurability needs to be clarified. The promoters of pregnancy insurance claim that it is great for the unborn child because it gives him guaranteed insurability meaning even if he is born with certain medical condition he will not be rejected for insurance cover. Sounds good right? Well, look more closely. The guaranteed insurability is typically for savings plan, or life insurance, or some other similar very specific savings/investment type product. It is NEVER health and surgical or similar medical plan. That defeats the purpose then. What you need for a newborn is to get a plan that covers medical costs if he/she falls sick, even if the sickness is something he/she is born with. Unfortunately this most wanted cover is not available. Instead, the insured is enticed into getting a life/savings/investment plan she may not otherwise need.
If anyone knows of any pregnancy insurance that defies the above objections, especially item 3, I would like to know about it and would seriously look into it. Anything else is to me not useful. The cover is full of holes and any sense of security you may get out of it is false.
I would, however, urge all Singaporeans to look seriously into a good healthcare plan that covers outpatient treatment. Most Singaporeans are seriously under-covered in this respect. The good ones also cover maternity and complications so you shouldn’t even need to think of pregnancy insurance.
Apart from medical, the second most important cover is to ensure that your life insurance payout is sufficient to provide for your dependants for their lifetime after taking into account inflation. Usually it would not be practical to achieve this with just whole life plans so use a combination of term and whole life if you have many dependants. It is important to note that life insurance here refers to life insurance for yourself and your spouse, not for the children. For the children, what is important to me is that his/her medical expenses are covered, not life insurance.
After this, consider some very basic savings plans as a form of enforced savings. However, if you are disciplined and/or a seasoned investor, then it may be better to just save and invest yourself.
Finally, of course, the usual fire insurance for homes, car insurance. Apart from that, those “special” insurances like pregnancy, or new funky ones like Zika insurance are not worth the money.
*Bracing myself to be flamed by insurance agents and brokers*