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.



Of stress and infertility

Chinese New Year is scary. The annual gossip sessions for aunties where they either ask when you are getting a partner, getting married or getting pregnant. Or when it is time for your next child. A fine line between concerned and being overly pushy. I have some friends who are so stressed they prefer to stay home instead.



Sharing session with SimplyJesMe on 5th May

I am honoured to have my own sharing session to meet and greet my readers. You can register them at this link - Unconditional Parenting Made Easy.

I have no idea who thought of this title because parenting is never easy. Yet it's the tough and challenging times that create the most unforgettable memories. Me? I have no secret recipe, I just try my very best and I think that's enough.
Yep, completely informal session!

Should I buy Integrated Shield Plan until 99 years old?


Thanks to Ray, he pointed out I should expand my price comparison of different shield plans to age 75 and up. I can't remember why I stopped at 75 years old, but I probably followed AIA's tables, which only covers up to 75 years old.



My Honda HRV - A 2 year review

I always thought my personal posts interest no one so I am surprised people request for an update! I take feedback very seriously and it's always good to have more ideas to write so I don't mind to do this 2 year review.


The peak period

Not just mega sales during Christmas but online sales like 11/11, 12/12, and particularly Chinese New Year. It's the most hectic period for all online merchants. From renovation to selling furniture, abalone, vegetables, dried goods, clothes, cars and many more, I believe most sellers will be happy and tiring during such times.

I am also happy to see my business taking off.



A summary on 5% co-payment of insurance for Integrated Shield Plan (IP)

Why the need to impose co-payment?
It was 100% full riders coverage previously and I have blogged about the different prices of different insurance companies. However, premiums have increased by up to 80% due to a small group of people abusing the system, so the rest of us have to pay for higher premiums unfairly.




Snackfirst - Review by A Path to Forever Financial Freedom (3Fs)

I've known Jes for a long time since she started blogging donkey years ago.

The good thing about being in the community is you get like minded people who goes through different stages of life together.

When we became parents, we shared tips on where to get the cheapest stroller, and how to get a good nanny and babysitter and many more.

Last year during the Investfair, I even had a chance to share the same stage with her. We talked about the segment investing in our 30s.

Jes left her job last year and started her own snack business.

I've always wanted to give it a try but did not manage to do so until recently when I decided to purchase a few snacks from her site.

It's an old school type of snacks that has various different types of flavors.

You can choose to look around and order via her website here if interested.



I have a personal weakness for snacks.

I always love something to bite when I'm writing or watching the news and I try to find for good quality snacks most of the time.

So when I chanced upon Snackfirst, I bought a packet of Satay Sunkissed Cashew (1kg), a packet of the normal Sunkissed Cashew (200g) and a packet of the Cheesy Cashew (200g).

Personally, I feel the cheesy cashew has a very unique taste and is a close proxy if you like to eat pasta. The taste grows on you after a while and you just cannot stop eating.

The satay cashew is the most popular among all and both my wife and children enjoyed them too, taking turns to take bites at the crunchy peanuts.

I also love the packaging very much because it helps to keep the nuts crunchy while sealing them closely.

As a friend, I'd like to see her business flourish but I think she and her team deserves it not because of that but because of the efforts and quality of the products they've put in.

With chinese new year just around the corner, perhaps you can give it a try for you and your family. Just make sure you don't get addicted!

Thanks for reading.

If you like our articles, you may follow our Facebook Page here.

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This article first appeared on the blog of Forever Financial Freedom (3Fs). Thank you B for the nice review and personal support in SnackFirst. I first met B at the Invest Fair last year and got to know him as quite a friendly and down-to-earth person. Definitely his blog is one to follow regarding passive income and best of all, he shares the information for free without any ulterior motive. Do take a look at his blog!





My Way Of Paying It Forward by 15HWW

It’s been 3.5 years since I left my cushy, well-paying first job in the government service. With nothing concrete lined up then, it was a step into the unknown. A leap of faith.
On hindsight, I took a huge risk.
But well, I was deeply unhappy with my lifestyle and drastic action was necessary. These days, I count my blessings that things have turned out rather well as a full-time freelancer/self-employed.
So I was filled with nostalgia when I came across these posts (here and here) by Jes recently. With a toddler in tow, she’s probably taking even more risks than me and venturing into the unknown with her new business venture, SnackFirst.
And yes, I wanted to support her business as a paying customer.
The Catalyst: BIGScribe X’Mas Party
But like most people and most things in life, I procrastinated. Urgh…
Up until last month when BigScribe organised a Christmas Party for fellow bloggers and partners. The feedback we received for the catered food was not fantastic. But I believed the snacks and nuts (kindly prepared and sponsored by Jes) helped to salvage the situation.
We only knew about her kind gesture on the day itself. I guess this is the best form of marketing as it appeared that everyone enjoyed them.
And I got to meet Jes in person and found her to be a very pleasant lady. 和蔼可亲 and 平易敬人 (Chinese description by Mrs 15HWW)
Not to mention that we immensely enjoyed a small packet of satay cashew nuts that we took home. The Mrs and I literally emptied the packet in a minute and vowed to order more!
SnackFirst Review
The online ordering was simple and a breeze. The nuts were also delivered within a couple of days.
Granted, the stuff that I have ordered are “not very healthy”. But definitely healthier than alternatives like processed potato chips, milk chocolates or candies.
And as you can see, we enjoyed the satay cashew nuts so much that we ordered a huge 1kg packet of it. All of our relatives and students who tried it were raving about it. No exaggeration!
We also ordered a smaller 200g pack of sambal shrimp rolls as the Mrs is a sucker for it. Although she found it a little too spicy for her liking, I personally think it’s one of the best hae bee hiam I have tried. The roll is extremely crisp and addictive.
Since it was our first order, there was a 10% discount and the stash cost us about $43.
I personally think the price is really reasonable.
Firstly, I do not have to incur transport cost and jostle with aunties at Bugis to get my nuts. These nuts were conveniently delivered to my flat. Chinese New Year is coming and I personally think this is a good option to get your CNY goodies.
I really don’t think you can go wrong with the Satay Sunkissed Cashew. #thankmelater
Secondly, there’s no doubt the satay cashew nuts and the sambal prawn rolls are much tastier than the generic ones sold at wholesale markets. I know because I have a habit of buying stuff like cashew nuts, almonds and pecans from Bugis once a quarter.
Thirdly, you will be supporting a small and lean enterprise. Supporting someone you have read about instead of a soulless MNC.
If it’s not obvious to you by now, this is not a sponsored post. And as always, I only recommend products and services that I enjoy and believe are of value to readers.
It’s also my way of paying it forward as I personally benefited from some 贵人 who appreciated my services and work. The handful of them are probably responsible for 80% of my current workload! #thankyou

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This post first appeared on 15HWW's blog. I am really thankful that Thomas bought my snacks without my knowledge and then posted such a wonderful review.. This just goes to show what a nice person he is for doing this favour for a fellow blogger! Thank you to all who supported me after reading his review too :)

The ultimate price comparison of Integrated Shield Plans (New PruShield Fairer Pricing Approach)

I just finished updating the price increase for AIA Max Essential on my previous post.

Now I have to explain the new PruShield Plans, which is so much more complicated with their new 5 steps plan, also called the Fairer Pricing Approach. I am sure many Prudential customers will be pretty confused but ultimately, most just accept the price increase and changes.

All these changes should be considered to see if they affect you positively.