Saturday, September 22, 2018

What Is Your Next Breakthrough?

We are coming to the last week of the 3rd Quarter and soon we are heading to the last quarter of 2018. Like last year, and the year before last, and the year before last last year (I think you get what I mean), we are living with hits and misses every single year. I am not only talking about your personal finance or your investment but rather life in general. 

We are deemed growing only if we learn/do something new, otherwise, we are just passing the time with repetitive daily routines. So, it is important to have regular breakthroughs in experiencing new things (of course I am referring to something legal and morally right). Today, I "conquered" our highest Bukit Timah Summit for the second time and it's a breakthrough to me. Wait! why is second time still a breakthrough? You see, this time round, we trekked with another NEW route and it took us shorter time to reach the summit (around 25 minutes) as compared to the previous round, which took us around 40 minutes. Also, we extended our trekking to another path which lead us to a Quarry that we never knew exist.

Also, personally think that breakthrough need not be something grand or massive, even though the satisfaction level might not be as great, but I would rather collecting many smaller breakthroughs rather than only one or two big breakthrough in life. Remember, life is not a sprint, life is a marathon. 

My next breakthrough probably is in the space of art. I always wanted to try my hand on those freestyle water color painting to reignite my creativity/imagination, so, I guess I will arrange one in the near future. 

What about you? What is your next breakthrough?  


Thursday, September 20, 2018

Those Who Like To Complain Tends To See The Glass Half Empty

Recently, the famous vlogger, Nas Daily's video about Singapore - "The Almost Perfect Country" has attracted a fair share of sour grape comments from fellow Singaporean. Of course, everyone has their own rights to provide their opinion (be it online or offline), having said that, such negative comment on such a positive video do reflect something about them i.e. they tends to see the glass half empty. 

Again, there is nothing wrong to be on the side of "glass half empty", just that people on this spectrum tend to forget (consciously or unconsciously) the water they already have in the glass. To me, able to enjoy and appreciate what you already have is the panacea to happiness. Without contentment, regardless of your current stage in life, you will never view yourself as well as others as "enough", like what Eleanor Young (Michelle Yeoh) said in the Crazy Rich Asians, "You will never be enough!"

In case you have not watched The Almost Perfect Country from Nas Daily, check it out below:


Tuesday, September 18, 2018

Captain Marvel - First Trailer Is Finally Here!

If you are a superhero movie fans, especially from Marvels, I am sure you are aware that the upcoming movie in the Marvels Universe is Captain Marvel (not so soon though, it will be released in March 2019). Apparently, this newly introduced superhero character i.e. Captain Marvel has quite an impact towards the development of the Part 2 of Avengers - Infinity War.

As usually, before the movie hitting the theaters, fans are looking forward to the teasers/trailers, it's akin to looking forward to the announcement of dividend when you are invested in a dividend-paying company's stock. Of course, you know that good dividend yield doesn't equal to good company i.e. good trailer doesn't always mean good movie.  

Today, the very first trailer of Captain Marvel has been released, if you have not already seen it, check it out below. What do you think of this dividend announcement, oops, I mean  the trailer?

Personally, the trailer doesn't give me the sense of excitement that I will usually get from the superhero movie trailer, but it is OK i.e. not too bad. Hope that the actual movie provide more punch!

What do you think?


Sunday, September 16, 2018

Book Review - Breakfast Club For 40 Somethings

Recently, I've just finished reading a book called "Breakfast Club For 40 Somethings" (by Vanessa Stoykov). It is a lighthearted and fun novel but also a financial planning book in disguise. Even though the book title mentioned about "40 somethings" but the financial teaching/sharing in the book is kind of universal and applicable to anyone at any age. Also, the story is based in Australia and hence some of the financial setting/context like more relevant to Australian, like the Super Fund etc... but we can always replace it with our local context like CPF fund etc.. 

A long-awaited reunion of six high school classmates in their 40-somethings unraveled more shortcomings of their respective current lives than they are prepared to disclose, but it also changes their lives for the better, with the help of an "angel" in the form of financial planner (their ex-classmate).

I would not disclose too much of the story line/plot here but I think it is beneficial for me to share the "5 Pillars To Wealth" that I've learnt from the book. Regardless of where are you at your current financial position, there is/are always one or more pillars that you can learn/unlearn to further improve your situation. 

The 5 Pillars:
1. FOCUS - Do you have a long term financial goal that aligned with what brings you happiness, or just focus on what's in front of you e.g. the next party, the next holiday, the next job? Most of the time, we can't see our focus quite clearly when we are younger (say in the 20s or even 30s), but with time and experience, our focus will get clearer as by then we would know what really brings happiness to us.  

2. DESIRE - We all have desire, owning things that are wants and not needs, hence, it is necessary to strike a balance before it went into shackle of debts. 

3. TIME - Time is unstoppable and ruthless. When we are much younger, we thought we still have lots of time to prepare for our future and by the time when we hit certain age, say the big 40, it might be too late! Time here is not only applicable to wealth, it is applicable to relationship, love as well.  

4. BELIEF - What you belief, you become! Mindset about money can be both nature and nurture. So, if you are not satisfied with your current financial situation, you need to change your belief. It is not easy, but it is definitely possible. 

5. ACTION -  Last but not least, you need to take action on whatever learning/planning you have, otherwise, they all mean nothing. 

Do you agree with these 5 pillars?

Before I end the post, just like to share that I really enjoy reading the book as it is easily one of the easiest personal financial book to read :-) 


Saturday, September 15, 2018

SkillsFuture - Have You Made Full Use Of It Yet?

Beside the money under your pillow or in your bank account(s) and the shares/REITs in your CDP account, as well as the physical properties in your real estate portfolio, the other equally important asset that we all should amass is the skill sets/knowledge. That's where SkillsFuture initiative came in to promote lifelong learning. 

I have checked with a few of my close friends and understand that all of us (including myself :-)) have not really made use of our SkillsFuture Credits (SGD500) since the implementation in 2016. Have you utilized yours?

These are the free money from Government to help upgrade ourselves (be it for career or personal purposes) and I think we should make full use of it, as early as possible. Not only that, Government has up the offer recently by providing additional funding for many of the eligible courses/workshops/programmes i.e.:

Singaporeans and Singapore PRs are eligible for 70% course fee funding for registration with effect from 28 October 2017.

Singaporeans aged 40 and above will enjoy 90% subsidy of course fee.

These are substantial funding! 

Just take an example from one of the Fintech programs that I am considering at the moment: Fintech Talent Program (an 80-hours joint program from NTUC, Singapore Polytechnic and Fintech Association), the original course fee vs subsidized course fees are as follow:

For me (obviously above 40), the after-subsidized fee is only $320 and I can make use of my SkillsFuture credits to cover this in full, so, it's a FREE course!

What the government trying to do is to remove/minimize the impact of one of the usual key considerations for us when talk about learning/upgrade i.e. the fee, the rest (like the time commitment) is up to us to juggle. 

I do encourage all friends to make full use of your SkillsFuture and the related subsidies (ASAP) to upgrade yourselves as I do believed that such assets has compounding effect too. Besides, such funding program might not be here forever! :-)  


Thursday, September 13, 2018

Kahoot - A Fun Tool For Learning and Sharing

Recently, I've chanced upon a fun tool/app called Kahoot! The name might not ring a bell for many but I like it very much and thought some of you folks might find it interesting too. 

Kahoot! is a tool with the ultimate aim of make learning FUN again. Basically, it's a game-based learning platform, it's suitable for schools, businesses or even social setting, as long as learning (or sharing) is the objective. You can create as many games (they call it Kahoots) as you like and host it (online or in physical setting) for the students/colleagues/audience to play. As long as you have smartphone (who doesn't have one nowadays?) and can connect to internet, the game is ON!

Creating the game is very easy as the tool is quite intuitive, to try it out myself, I did a 4 questions fun game for my colleagues (around 20 of them) to play during one of our department meeting and we have fun with it.

Check out the promotional video below and share the joy:


Saturday, September 8, 2018

We Are All Fall For Consumerism, One Way Or The Other

First, I wish to clarify that the "consumerism" I am referring to here is not equate to materialism even though the latter usually lead to the former. The idea is that you can consume something without the need to own it. Examples of consumerism that not equate to materialism are:

1. The addiction of consuming free wifi at any possible public/private locations (whenever you are in restaurants that provide free wifi, you will hear the common question from the dinners - "what is the wifi password"?)
2. Aggressive Consumption of news, especially junk news from social media

3. Playing the free games like Candy Crush, Pokemon GO etc..

4. Movies/TV serials binge on the go

I must admit, personally, I am guilty of such behavior (addictive consumerism), besides the above top 2 items, I am also leaned a bit towards materialism (but not an aggressive one, I hope), example:  

I have 2 mobile phones (1 Apple and 1 Android) with 2 service contracts

I subscribed to Straits Times newspaper

I subscribed to Netflix

I bought quite a number of Man Utd jerseys etc...

I am not here to promote consumerism or for that matter, minimalism (the opposite of consumerism), instead, I am of the view that it's just human nature for us to consume (may or may not be owned), either for pure survival, enjoyment or pure status conscious. 

The problem is NOT on consuming, the problem is on the ADDICTIVE consumption, just like anything in life, as long as there is imbalance, it creates problem. So, over spent our time (or life) in consuming (Outside In), we need to spend more time in contributing, producing and creating (Inside Out). Of course, it's easier said than done, try asking a smoker to quit smoking and you will know what I meant. Maybe it's time for me to try out the Pomodoro timer (productivity tool/app) that shared by the lecturer in on of the workshop I attended recently. 

Are you addicted to consuming? How do you deal with it?


Saturday, September 1, 2018

OCBC Service Outage - Is Singapore Really Ready For Cashless Society And Smart Nation?

If you are an OCBC account holder and trying to use your credit card or making some online transactions with internet banking or even withdrawing cash from ATM in the past hour (from 9PM+ onwards), I believed your action is futile as OCBC is experiencing a complete service outage (at the time of writing, all services are still unavailable). 

While we are still fresh from the Singhealth hacked a couple of weeks ago, this new event set me thinking whether we (Singapore) is really ready to be a cashless society or for that matter, our smart nation dream? 

What do you think? 

Latest update from OCBC via their official twitter handler:


Thursday, August 23, 2018

Crazy Rich Asians - 5 Reasons Why You Need To Watch It

By now, I am pretty sure that most of you have seen/heard of the media buzz from the newly released movie, Crazy Rich Asians (based on Singapore-born Kevin Kwan's 2013 novel with the same title), being a movie buff, I am very excited about the movie. 

The very first piece of good news is, the movie was released last week in US and it topped the box office with a crazy 5-days opening of USD 34 millions (the movie was reported with a budget of USD30 millions). With the box office pressure being taken care of and both movie critics and fans are singing praise about the movie, I am sure it will be a great milestone for more Asian cast movies in the pipeline.  

The second piece of movie is that a sequel project has been confirmed by the director, Jon M Chu, probably based on the second book of Kevin Kwan, China Rich Girlfriend [2015].

Following are my 5 reasons why you need to watch Crazy Rich Asians:

1. It is not just a movie
It is not just a movie, but a movement, a stepping stone to open the door for talented Asians (not only Singaporeans) to be represented/cast in the Hollywood big budget movies. Can you imagine that it has been 25 years since the last "comparable" all-Asians casts movie from Hollywood, in the name of The Joy Luck Club (1993)? So, in order not to wait for another 25 years, do support the movies by going to the cinemas and watch it with your friends/family (trust me, it's worth it). 

2. It is a great movie
I've just watched the movie today and I must say that it is a great movie (no bias here). It is colorful, entertaining, funny (especially from Awkwafina, playing the role of Peik Lin, good friend of Rachel Chu, played by Constance Wu as well as Nico Santos, playing Oliver Tsien, the "rainbow" cousin of Nick Young, played by Henry Golding) and heartwarming at the end. 

Besides, the chemistry among the casts, especially between Henry Golding, Constance Wu and Michelle Yeoh (the entangled triangle). 

All in all, Crazy Rich Asians is a perfect romantic comedy.

3. The Singaporean Casts
I believed this is the first big budget Hollywood movie with most Singaporean casts, their performance are commendable (of course some of them are still with room for improvement). Following are the noticeable casts from Singapore, just to name a few:
a. Pierre Pang, playing Michael Teo, husband of Astrid (played by the gorgeous Gemma Chan)
b. Fiona Xie, playing the bitchy Kitty Pong
c. Koh Chieng Mun, playing Neenah Goh, mother of Peik Lin
d. Tan Kheng Hua, playing Kerry Chu, mother of Rachel Chu
e. Selena Tan, playing Alix Young, one of the aunties of Nick Young

4. The Shooting Locales And Singlish  
From Newton Hawker Centre to Marina Bay Sands, to Gardens By The Bay, there are so many scenes from the movie that most Singaporean can relate to. It is one thing to visit the place but another to see them represented in an Hollywood movie.

Even though most of the dialogues in the movie are in proper English, luckily we do have chance to hear a couple of Singlish dialogues (mostly from the Neenah Goh character) which is apt. 

5. The Soundtrack
"Wo Yao"
"Wo Yao Ni"
"Wo Yao Ni Di"
"Wo Yao Ni Di Ai..."

The nostalgic Mandarin oldies sprinkle throughout the movie make it an apt and perfect soundtrack. Personally, my favorite is the song played during the wedding ceremony, Can't Help Falling In Love (by Kina Grannis)

Ok,enough say already, do book your tickets early if you are planning to watch Crazy Rich Asians during the weekend as I foresee that it will be selling fast. Oh, also take note that there is one mid-credits scene, so do stay back a little while after the show...


Saturday, August 18, 2018

Recount Of My Recent Day Surgery And The Importance Of Medical Insurance

Yesterday, just underwent a minor day surgery at hospital and this post is just a recount of my experience and also touch a bit on the importance of Medical Insurance, especially Singapore since the medical cost is high. 

The condition that I had is sebaceous cyst (x 2) and the day surgery that I went through is excision biopsy (as per the specialist, the cysts should be benign but there is a risk that it might be growing in size if leave them there, hence, I've made a quick decision to get them removed ASAP). As I decided to do the op in a Private Hospital and hence it can be arranged quite quickly.

Even though it is deemed a minor day surgery that requires only LA (local anesthesia) but the preparation before and after the surgery is kind of intensive too. My op is scheduled at 10.30 AM and I need to reach the hospital 2 hours earlier for pre-op registration/preparation  (kind of like doing check-in before boarding the plane lol). 

After the registration counter staff explained/confirmed with me on my surgery, I was made to sign a number of papers (just like signing-up a telco service lol). One of document showing an estimated bill size (my op is estimated to cost around $4K to $5K), as I am existing Integrated Shield holder, I am entitled to the waiver of deposit and the bill will be efile directly to my insurer for their assessment (on both the insurer's liability as well as the Medishield Life's liability, latter is under CPF Board), the hospital will bill me only if there is any balance not sufficiently covered by my Integrated Shield Plan and Medisave Account. In short, I discharged without paying anything for the time being. This is the part that I would like to emphasize the importance of personal Medical Insurance especially in Singapore. Of course, for Singaporean and Singapore Permanent Residence, the national Medishield Life coverage is compulsory but I personally view that it is not sufficient, hence Integrated Shield Coverage is here to supplement it and provide the features like waiver of deposit (letter of guarantee) benefit (by selected insurers). This (waiver of deposit) is especially important if you need to be admitted to the hospital urgently or need to go through a major operation, you and your family members can have a peace of mind that medical cost will likely be taken care of (at least a main part of it).  

After the registration, one of the nurse led me to the Day Surgery ward/bed to get myself changed and prepare for the op. Before pushing me to the OT (operating theater) room, there are 2 rounds of verification (by 2 different batch of nurses) of my particulars and confirmation that I am aware of the surgery that I am going to go through. I am not sure whether this is the practice in Private Hospital only but I have no complain since it is important to ensure that correct op is done on the correct patience by the correct doctor. 

The OT room is huge, cold and clean. After gently "rolled" me onto the OT bed, the nurses prepare myself for the op by attaching a couple of sensors on my body to the monitoring devices (like blood pressure and heartbeat etc..). As I am only on LA, I was awake throughout the whole surgery, only the injection (of the LA) part give me a tinge of pain, the rest are just numbness (even though I can still feel the pulling and stretching of my skin but there is no pain, the beauty of anesthetic). All in all, the surgery took about 1 hour and the outcome is the successful removal of 2 egg-shape like cysts.

After the op, the nurses push me back to the day surgery ward where I stayed there for another 2 hours before "checking-out". During this period, porridge and coffee was served.  

That's all I have to share for my maiden day surgery experience. Overall, it is a smooth sailing experience, for now, I will focus on the recovery. 

Stay Healthy and Stay Happy!


Friday, August 10, 2018

2 Upcoming Events That Might Affect The Stock Trading Volume

We have just celebrated Singapore's 53rd birthday yesterday and soon, we are going to go through 2 upcoming events that might have some impact to the stock trading volume (at least to me).

Do take note that this is a weekend post, so, take it with a pinch of salt :-)

Event 1 - The Hungry Ghost Month (7th Month) 

By the time you read this post, we are officially step into the first day of Chinese' 7th month (aka the Hungry Ghost Month). If you are following this customary, you will know that there are many things that we SHOULD NOT do during this period e.g. avoid staying late outside, avoid stepping on the offerings items or joss stick on the side of the road etc..

For those who are really superstitious, they might avoid risking too big a stake during this period in terms of gambling or "investing" as Chinese there is a saying "宁可信其有,不可信其无” (loosely translated as "better safe than sorry"). So, personally think that it will more or less affect the stock trading volume, especially in the Asian countries. 

Event 2 - The kick-off of English Premier League Soccer Season

From tomorrow (11 Aug 2018), we will be welcoming back the brand new season of English Premier League (2018/19), with the first match between Manchester United and Leceister City (at 3 AM). Of course, going forward, most EPL soccer fans in the world will be busily glued to the TV/screen during the weekend. 

The effect? Less motivated to trade aggressively due to lack of sleep/energy lol

Anyway, the above are not proven and just share for fun. 


P/S: My friend has just uploaded the second video clip of us "talking movie" (in Mandarin). This time round, it's on Mission Impossible 6 - Fallout (a MUST WATCH action movie to me). If you can understand Mandarin, feel free to check out the videos below (SPOILER ALERT!!):

Short version (less than 7 mins):

Extended version (47 mins):

Saturday, July 28, 2018

Weekend Sharing - Mission Impossible Fallout , Hair For Hope and Facebook Meltdown

Time flies, we are almost at the end of July and soon we will say sayonara to quarter 3 and welcoming quarter 4, then that's it for 2018! 

Anyway, life continue... and we are at yet another weekend. So, today I am going to share a mixture of stuff (most are personal and finance related):

1. Mission Impossible 6 - Fallout:
Sorry, being a movie buff, I can't stop myself from sharing my review of this movie. If you are an action movie fan (or just a movie fan), this is the movie you got to watch this year! In order not to repeat what I've said in my Facebook, I am rehashing my review below for the sharing:

Mission Impossible : Fallout - in this 6th instalment of the successful franchise that span over 22 years, Tom Cruise still has it!

If there is only 1 movie you want to watch this week, THIS is it!

If there is only 1 action movie you want watch this month, THIS is it!

If there is only 1 blockbuster movie you want to watch this year, THIS is definitely one of the contender.

Why? 3 main reasons :

1. Intelligent plot with twists and turns (at times the audience are as confused as the characters but that’s ok because that’s the fun);

2. Impactful action sequences that are practical effect done by Tom Cruise himself (from HALO, [High Altitude Low Opening] Jump to jump over the building to car chase, motorcycle chase and even the helicopter chase). Oh, the fist fighting scene inside the toilet and the finale fight on the cliff are highlights too;

3. Most of the previous main casts (Tom Cruise, Simon Pegg, Rebecca Ferguson, Ving Rhames and Alec Baldwin) are back to reprise their roles with greater chemistry. New comer, especially Henry Cavil (as Walker) and Vanessa Kirby (as White Widow) are scene stealing too.

All in all, I really like what I’ve seen and might go for second serving in IMAX 3D in due course.

My rating : 4.5 (out of 5)

Anyway, if you are still not convinced, check out the awesome trailer below:

2. Hair For Hope:
Hair For Hope is a charity event (for Children Cancer Foundation) that I am been involved in for 3 years and this is the forth time that I will be shaving my head for a meaningful cause and it is going to happen today at VivoCity Singapore. If you are around that area this afternoon, I will probably one of the shavee in the queue (expected to be long queue).

To find out more about this charity event and support, check out the link here.

 Hair For Hope

3. Facebook's Meltdown:
Facebook broken a record 2 days ago, for the wrong reason. It becomes the largest one-day drop in history, wiped out around $119 billions from the market along the way. Mark Zuckerberg's (CEO of Facebook) has his fortune shed by around $15.9 billions (to $71 billions), on paper. 

The share price of Facebook dropped almost 20% (from $217.50 on Wednesday to $176.26 on Thursday and now sitting at $174.89 as at Friday)

I am no longer a Facebook shareholder, how about you? Are you affected by this "temporary" meltdown? 

Have a great WEEKEND!


Monday, July 23, 2018

Latest Trailers Of The Upcoming Movies (Aquaman, Shazam, Godzilla 2 - King Of Monsters and Fantastic Beast 2)

Comic Con Movie Trailers
Thanks to the San Diego Comic-Con, there have been plenty of brand new trailers being released  during the convention. Movie fans are spoilt for choice, akin to retail investors who are going through difficulty in deciding which counter(s) to buy first?  

For a movie buff like me, of course I won't miss any of them. I've since hand-picked a few of them of which I thought my readers here might be interested too... didn't I ever mentioned that one of the most favorite hobby of Singaporean is watching movies? lol

1. Aquaman (Dec 2018) - The highly anticipated spin-off from DC's superhero franchise, hopefully it is as good as the Wonder Woman:

2. Shazam (Apr 2019) - yet another DC standalone superhero movie, it's kind of a fun movie but I am still abit in-between for this one:

3. Godzilla 2 - King Of The Monsters (May 2019) - I have high hope on this sequel and expect it to be a monster hit :-)

4. Fantastic Beast 2 - The Crimes Of Grindelwald (Nov 2018) - Sequel of this Harry Potter prequel look set to attract the masses again when it hits the theater:

So, among the four, which trailer if your favorite?


Friday, July 20, 2018

Have you done anything NEW that challenge your comfort Zone recently?

World Cup 2018 is over, but life continue...

Hyflux's Townhall was ended disappointingly (to most investors), but life continue..

SingHealth has just announced that their system was hacked and 1.5 millions patients' data were compromised (hot from oven, in case you are not aware),  but life continue...

So, life continue as long as we are still breathing, however, the key is whether our life is constantly enriched? The only way to enrich our life is to expand our comfort zone and the only way to expand our comfort zone is to learn or do something NEW regularly. Something that you've NEVER done before! 

Recently, I've just done something that I've NEVER done before! 

For those who know me well enough would know that I am a movie buff and I do share my movie reviews (in writing) regularly in my social media profile. 2 weeks ago, one of my movie buff friend from Malaysia invited me to do a guest appearance in his Youtube channel to "talk" about movie (in Mandarin). 

For those who know me well enough would also know that I am not good in talking at all. However, I take this as a challenge to myself to brush up my talking/speaking skill and I did it. To me, it's a valuable experience, besides learning some technical knowledge on how to record my voice while talking to him over the Whatsapp, I also can reflect better on some of the "mistake" I made during the interaction.

For those who can understand Mandarin and don't mind listening to my half-broken Mandarin, feel free to check out the clip on my review of the movie, Skyscraper:

So, have you enriched your life recently?


Sunday, July 15, 2018

Weekend Sharing - World Cup , CareShield Life and Pulau Ubin

Pulau Ubin
We are already at the second weekend of the beginning of second half of the year, what have you achieved so life, both in your career as well as in personal life (including your financial state)? Anyway, it's just a question for you to ponder since we are at the mid-term (of the year) now. Whatever the answer, you can't change the past, you can only take stock, review what you can do at the moment and move on. 

Keep going and keep smiling (my living motto). 

Since it's a Sunday, so just share some thought on some interesting/personal topics:

On World Cup 2018:
Finally, we are a couple of hours away form the FINAL game of World Cup 2018. It will be a face off between France and Croatia. I have predicted an showdown between France and England (see my earlier post here) but Croatia seems to be disagree with me :-)  

Would it be an anticipated winner or an upset (since upset is norm in this tournament)?  Of course, I am still sticking to my very initial prediction that France will be the champion again this year. Well, ball is round, we will know the outcome very soon.  
World cup final - France vs Croatia

What is your prediction? 

On CareShield Life Premium Equality:
Recently, there has been a hot debate on the CareShield Life's gender-differentiated premium (the crux of the issue is that the premium for female is higher than the male). In fact, current's ElderShield scheme is already under gender-differentiated premium mode, which is a fair costing (at least to me) since female generally has a longer lifespan. 

CareShield Life

What I thought might be a feasible solution is for Government to give female policyholders a much higher rate of subsidies (to better compensate them for the higher premium), this will ensure equilibrium of the premium (instead of male policy holders cross-subsidizing female policy holders as I foresee that to achieve a standardized premium rate for both male and female, the "new" premium rates will be higher than the current stated male premium rates).      

On Pulau Ubin Excursion:
Yesterday, decided to have an half-day excursion at Pulau Ubin in the afternoon. Initially was planned to go in the morning but due the gloomy sky and drizzling in the morning, decided to follow the the weatherman app which forecast that it will be sunny after 2 PM (which is quite "zhun" aka accurate).

It has been nth years since I last visited Pulau Ubin, I am happy that most of the kampung lifestyle is still preserved well, especially at the centre near the Jetty. Just 10 minutes bumboat ($3 per person) away from the mainland into the serenity of nature, far far away from the concrete jungle and noise pollution. 

The best way to get around the island is by riding a rented bicycle, plenty of bicycle renting shops there but the pricing are quite different. For me, I picked an higher end bicycle which cost me only $10 for the whole day.

I've achieved my mission of the excursion, which is re-visiting the quarry (the one which is more spectacular is called Ubin Quarry) and Chek Jawa Wetlands.

Following are some photos for sharing..
Pulau Ubin
Pulau Ubin - The True Kampung lifestyle!

Pulau Ubin
Puaka Hill

Pulau Ubin
Selfie at Puaka Hill before trek up to the peak for the view

Pulau Ubin
After 10+  mins trek up the Puaka Hill, this is the view of Ubin Quarry 

Pulau Ubin
Second mission - Chek Jawa Wetlands

Pulau Ubin
The friendly wild boar is strolling at his hometown

Pulau Ubin
Board Walk at Chek Jawa Wetlands

Pulau Ubin
The Viewing Tower at Chek Jawa Wetlands

Pulau Ubin
Chek Jawa Wetlands Visitor Centre - One of the most iconic one in Singapore (front view)

Pulau Ubin
Chek Jawa Wetlands Visitor Centre - One of the most iconic one in Singapore (back view)

Pulau Ubin
Chek Jawa Wetlands Visitor Centre - One of the most iconic one in Singapore (thumbs up!)


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