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.



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.


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.


Invest Fair 2017

I am not sure why I even agree to this.


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 do contains lesser amount of iron, Vitamin A, C and D. Luckily, these nutrients are easily found and absorbed in solid food. If your child is eating enough of solid food, there is no need to drink formula milk. Cow milk is more than sufficient and with the high amount of calcium, it will be a great source of vitamins to grow of strong bones.

"Many parents are also unaware that they can make the switch to cow's milk after their children turn one." -Straits Times.

Before making the switch, I was also doubtful like all parents. After all, none of the parents in my infant care are drinking cow milk. Even my parents wanted me to continue with formula milk because they think that formula has more nutrients.

With a vaccination coming up, I asked the nurses and the PD. Both said that switching to cow milk is a good idea. If the child is eating well, then I can go ahead to change. With the professional approval, I can't wait to change formula to cow milk.

Recently, my child has started choosing to take more solid food instead of drinking milk. She prefers to eat on her own and her milk consumption has dropped. During infant care, she has 3 bottles x 180ml of formula on top of a bowl of solid food in the afternoon. After 18 months, when she will be 'promoted' from infant care to Playgroup, the daily schedule is to have 2 solid meals and only 1 bottle of milk. Thus, the weaning off milk is a good thing. The nutrients from solid food will also complement well with the nutrients from cow milk.


Not to forget, cow milk is also much cheaper than formula. However, if formula milk was proven to be better for my child, I would never want to save the extra dollars. I, like all parents, would want to give the best to my child. The cheapest brand for formula milk which is Friso, cost $86 for a 1.8kg which requires 5 scoops for 180ml. A common brand of cow milk is Nespray instant milk powder. At 1.8kg, it cost around $35 and only requires 2 scoops for 180ml milk.

A 180ml bottle of cow milk ($0.19) actually cost 6 times lesser than formula milk ($1.19)!

After letting my child sip a few cups of fresh milk, I tested it out with a few bottles of cow milk. Thankfully, all is well, I have now decided to switch fully to cow milk. She is now 15 months. If your child prefers the taste of formula or has any medical conditions, the PD will advise you to continue with formula milk.

Don't be mistaken, there is no harm in continuing on with formula milk. For me, I just think it makes no sense to continue feeding her with formula milk when it has less calcium, more sugar and yet more expensive.
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Like me on Facebook to be updated on more family issues. You may also like to compare the prices for diapers.


5 food proven to boost breast milk supply

I am lucky to have a good supply of lactation during my post partum days and people kept asking me what my diet was to maintain the supply. These are some of the proven food that will aid in breast milk production:

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.



EatDreamLove review on SnackFirst

Snack First (snackfirst.com) is founded by a fellow blogger Jes (simplyjesme.blogspot.sg) and Lucas. They love munching on nuts and seeds when they were travelling overseas. Thats where they got the inspiration and created Snack First. Snack First offers snacks are delicious yet can give you lots of nutritional benefits. The natural occurring antioxidants and other vitamins found in them can help to delay aging, fight cancer and lost weight. Snack First offers Free Shipping in Singapore!

Many thanks to Snack First for the lovely cookies and nuts. 
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Amazing Almond Cookies (杏仁曲奇饼) Delicious Crunchy Cookies From Malaysia. My favourite! I am an Almond nut lover. They have many nutritional benefits and antioxidants. Love the fragrant crunchy and nutty texture. Heard that it may be able to boost milk supply for mummies . Sound like a delicious way for mummies like me. It is Halal certified with no MSG, Trans-Fat and Preservatives. 
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They also offer other types of cookies like Chocolate Chip Cookies and Delightful Bangkit Cookies. Sound so Delicious. 
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Brown eyes Almonds (烤杏仁) Almonds from USA and Roasted in Singapore. The nuts are roasted in Singapore as this will help to prevent early rancidity which enables longer preservation. Delicious rich nutty crunch. Understand that almonds are highly recommended for breastfeeding mothers as it has the high amount of dietary fiber and Calcium. There is also no MSG, trans-fat or preservatives used. 

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They also offer other delicious nuts like Creamy Macadamia (Baked) and Smiley Cashew (Baked). 

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Wholesome Original Granola from Indonesia (原味格兰诺拉麦片) When I am in a rush to make breakfast, I love to make myself a healthy and hearty bowl of granola. Quick and Nutritious. Snack First's Wholesome Original Granola is filled with Rolled oats, cinnamon, almonds, pumpkin seeds, sunflower seeds, rice crispies, palm sugar, maple syrup, oil, dried cranberries. A great mix of nuts, seeds and dried fruit. All my favourites. There is no preservatives or artificial ingredients.A great Source of protein and dietary fiber. 

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They also offer other flavours like Energizing Banana Granola and Addictive Chocolate Granola. 

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Shiok Wasabi Peanuts Love the mildly spicy with a zesty unami flavour! Super Addictive! Definitely a MUST-TRY for wasabi lovers. It is also Halal certified. 

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Oishi Japanese Nuts The peanuts are encased in a variety of different hard, crunchy, sweet flour shell. A good mix that offers different flavours and textures. It is also Halal certified. 

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Sambal Shrimp Rolls (Hae Bi Hiam) Our All-Time Family Favourite Snack! It is so Addictive! Spicy, and Crunchily SHIOK! 

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~PROMOTION (Till 31 July 2017)~
Use code 'EATDREAMLOVE15' on checkout at Snack First (snackfirst.com) to enjoy 15% off the snacks. 

Enjoy your Snacks Shopping~ I am sure your loved ones will love these.
Above information is for reference only. Please always contact Snack First (snackfirst.com) for latest details. 

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Disclaimer: This post is written by Eileen on EatDreamLove and first appeared on her blog. Like her on Facebook or follow her on @eatdreamlove on Instagram. Eileen is a very friendly food blogger who is also a new mum like me. I am honoured to get to know her as it seems we are on the same frequency, hitting it off instantly. I like her attitude towards life especially this quote "What's the point of earning more to have bigger house when you are not even inside to enjoy it!" How very apt. 


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


Tian Wei confinement meal review - Excellent variety!

I have a few gripes about confinement meals during my confinement month last year.

1) Only payment by cash/bank transfer
Top of the list is that I have to pay cash during the start of the delivery meals. I don't normally keep more than $200 cash in my purse so it's definitely very inconvenient for me. Bank transfer is also not that convenient either, especially just when I just got discharged from the hospital after delivery.
Pork trotters with broccoli and green papaya soup