The JoyFoo Life!~

Hello! I am back! OK Bangkok trip is in June 17...But why am I blogging only in Sept 17? Haha..

OK I have decided to blog all the trips and couple goals stuffs there and separate from this blog. So here is the link to my 2nd blog!

joyfoolee.blogspot.com

Enjoy while I go and dream of more things to blog there! X)

Today's blog post will be about service in church!

Pastor started by saying that God does not look at your outer achievements/appearance/IQ/wealth/etc - but He is looking at your heart.

This jotted one of the memories I had deep inside, when I was a young Joy. (My name btw!) Like I mentioned in my previous posts, I grew up with some of the smartest, talented, kindest yet sociable siblings. I used to often try to see what I am better at, and I thought being sociable was my strength!

But, when my two brothers got into student council, officer, dance captain etc, It proved my naïve mentality that "oh well, some people are good at IQ but I am abit better at EQ" theory wrong, sobs*, and, my world crashed. Teehee nope it did not but you get the point*


To cover up the weakness at being not exactly good at anything outwardly, I decided that I shall be nice and funny, and try to improve whenever people gives me constructive comments. I mean - you don't really have to have any gifts to be nice right? That's my secret path out.

So I just clown around and lalala~ for most of my teenage years, making people laugh, saying some of the silliest and lamest thing ever, and I think it worked! This was also a period where I named my blog, LAMEBOWL (suggested by my best friend S). Because I am truly lame and like rainbow~ :)



I remember clearly once, when i was scolded by a teacher, because of my not serious outlook in life. (It is only outlook ok, I am quite mature, just that it is boring to be serious all the time!)

So I was the flag bearer representing girl guides that year. During practice, I kept smiling when the teacher ask me to be serious. What I was thinking is that this is only practice, I WILL be serious on actual day. (which I did!) But yea, he told me "MF, if you are going to be so not serious, you will get into trouble one day." Which I also did eventually. So yes, 听你的老师的話.......

Back to serious topic, so at that time, I wasn't a believer yet. I will often ask the heavens, at my balcony area, and wondered if anyone can see the heart inside instead of the outward achievements..

I know I have a good heart (though not sure anymore because recently I ate too much fried chicken).. But no one seems to be able to see that. Maybe then, God was already watching over me..because I find myself feeling very much consoled after.

Things has since change tremendously after I know Him personally. Life is still not a bed of roses, but I feel much more secured in His love, I no longer need to compare with others what I don't have, but instead focus on what I have!
<3 p="">
The closer we get to God, a greater degree of holiness is required. So if you are going through some tribulations right now, it's alright! You are being tested to become purer like gold! Let's Jiayou together everyone in this race, with Grace!!




Pastor then went on to James 3:8-10, and he caution us to be careful with what we say. Don't speak ill of people!!!

James 3:8-10New International Version (NIV)
⁸ but no human being can tame the tongue. It is a restless evil, full of deadly poison.
⁹ With the tongue we praise our Lord and Father, and with it we curse human beings, who have been made in God’s likeness. ¹⁰ Out of the same mouth come praise and cursing. My brothers and sisters, this should not be.

OK so this is like the hardest thing ever right. Haha because it is so easy to just blahh blahh out especially when you are upset with someone, even though I try to be an angel most of the time. =) Something to take note of to improve, I shall give myself one year to practice this - shall catch myself if I do that next time!! :)


There is this video that is quite cool by Xandria Ooi, on a similar topic. CLICK HERE to watch, you won't regret it!

He then went on to share on John 8-10.

John 8-10New International Version (NIV)
³ The teachers of the law and the Pharisees brought in a woman caught in adultery. They made her stand before the group ⁴ and said to Jesus, “Teacher, this woman was caught in the act of adultery. ⁵ In the Law Moses commanded us to stone such women. Now what do you say?” ⁶ They were using this question as a trap, in order to have a basis for accusing him.
But Jesus bent down and started to write on the ground with his finger. ⁷ When they kept on questioning him, he straightened up and said to them, “Let any one of you who is without sin be the first to throw a stone at her.” ⁸ Again he stooped down and wrote on the ground.
⁹ At this, those who heard began to go away one at a time, the older ones first, until only Jesus was left, with the woman still standing there. ¹⁰ Jesus straightened up and asked her, “Woman, where are they? Has no one condemned you?”
¹¹ “No one, sir,” she said.
“Then neither do I condemn you,” Jesus declared. “Go now and leave your life of sin.”

In summary, when people ask Jesus what should they do to the lady who has did something so wrong, He (the most Holy high One did not condemn her, but forgive her, and asked her to go and sin no more. (Because He loved her, but at the same time, He still has his high standards and do not want her to sin anymore).

*deep in thought* Who on this Earth is blameless and without sin? Definitely not me. Hmmm~

Anyway, have a good week ahead everyone!! Thanks for reading my humble blog! :)

OK so recently I just have loads of emotions, maybe because this is one eventful year of ups and downs! Still thankful though, for the good things that happened and for the lessons learnt from the bad~

There are some things which I would want to work on more, in order to meet my goals from the start of the year. Let's see whether I have the time to do so..

1) Swimming
2) Use $500 SkillFutures (for Singaporeans aged 25 years old and above) and take up counselling certificate. Found one really cool one below, but it is on weekdays so will be finding out more when I have the time.
3) Toastmaster (need to learn presenting because I am really shy although I LOVEEEEE to talk and can do so for 5 hours non stop, haha. Hope to one day be able to present my thoughts in front of public with perfect ease! :))

Went to church today after a few weeks of MIA due to sick/accompanying dad at home/tiredness, and woah, what an awesome service it was! Feeling so much more refreshed than before, and I have decided, I MUST go to church weekly~ Time to set my priorities right, and put God first!~



Watching service at home and live! is a different story totally - the presence in church was so tangible, and I really enjoyed it!

It started with Matthew 16:26, the parable of the rich young man, where he came to Jesus and asked where else was he lacking, because he obeyed the commandments. He, for all credit was a sensible young man. However, when asked to sell his worldly possessions, he was not able to do so, as he loved the world, and he walked away 'sorrowful'.

This strike a huge chord with me. Nope, it doesn't mean i am going to sell away all my possessions, don't worry. lol, but WOWW.

Ok so here it goes - as per my previous post, I am usually a thrifty person. Thrifty not stingy on others ok, because I do believe being able to give is a huge blessing itself! :)

Due to going through and watching how tough it was for our parents to bring up the four of us when we grew up, we are able to grow up in harsh conditions. This is something I take pride in, that I am able to eat plain porridge and cai xin/canned tuna/pork floss for a meal. So yepps, I won't starve as long as I got my papa fav home-cooked porridge and some sides!

For the longest time, I feel that I am easy to "yang". And I have this happy sweet thought that I am quite special, because I do not have a love for money and worldly possessions.



In this recent year, I had the wonderful chance to really save up a lot of liquid cash, not those stuck in some investment kind. (To clarify, I am someone who usually feel very rich, even when my bank has $300 cash. so my definition of 'a lot' may not really be a lot to some la)

Maybe because all the debts are cleared, the mortgage loans of the family car and then remaining house loans are fully paid. For once, the discipline of saving up really shows in my cute bank account. :)

However, when the savings were threatened, I realised how much struggle it was for me to give it up, temporarily or not. I was not the nicest person I thought I was. It was really by ALOT of grace and love from God that things managed to go on well as per normal. Thank God for intervening to help me love and forgive, I can never be able to do it so quickly by my own strength!

OK, so what the point of my grandmother story? The point is, the realisation of my fallen nature, that I too, will cringe at the thought of losing my money, just like the rich man in the bible. I too, cares about money. *sobs at the realisation that I am not that special afterall* =(

Haha! But yes, through this experience, I learnt that I have to trust God more, not selectively, but yes in ALL areas. Self reminder! :)



Pastor then went on to preach and showed us examples in the bible, on how pain prepares us for our purpose, and how important it is that we LEARN from bad experiences. Not just share testimonials and forget the lesson learnt from the miracle we received, but to REMEMBER the lessons, and use it to apply for our next crisis.

Good management of bad experiences leads to great growth, bad management of good experiences leads to crisis and decline!

So, I went home and thought of the miracles in my life, and lessons learnt, and I shall state here for my own information, please act interested - thanks. =)

Like he say, an experience does not teach you anything, only an evaluated experience will teach you the lessons and wisdom for the next crisis you WILL face!

So what are my 5+1 hard lessons learnt in life so far?

1. Don't ever write bad things on social media. Especially when things can easily go out of control nowadays
2. Humility, everything is from God, not from my own credit or intelligence. (This is the toughest lesson which took me 6 years to finally learn - too long to elaborate here, I hope I have learnt it, because if not something will happen that makes me learn, which I never want again OMG)
3. Don't be so attached to your worldly possessions. Didn't I believe that God is the provider - where is the faith of a mustard seed?? (Work in progress)
4. If God can perform the miracle once, He can do it again. Believe and trust!
5. Love Daniel much much (Haha! He typed in this one for me in my phone) =P
6. Share your feelings with others, do not pent it up inside - if not, it may burst one day!



OK that's all! What are your list of miracles and lessons learnt, a list that you do not want to forget the next time you meet a challenge?

Have a good week and a happy national day holiday next week! :)

July 17 must be the most exciting/busy/heart-pumping yet fulfilling month for me this year. First off, we went for this cluster event where me and my two lunch khakis performed singing in front of 100+people. It was indeed unnerving, but we had great fun practicing and carrying out the item with the lively energetic team.

Then came to the ASEAN games duties. It was my first time in a long time being involved in such a great event. The last time was NDP 2004? where I marched as a girl guide in the contingent, but that was like over one decade ago. :)

I always enjoyed going for such events, and thought of volunteering at CHINGAY/SEA games, but never did due to lack of time/not wanting it enough maybe?

So when there was an opportunity to do so at work, I was so excited! :)

However, this would mean that I have to bring home work on few weekends, and do overtime work - in order to finish up the deadlines for the month. On top of that, the amount of readings (powerpoint slides, planning) involved from the organising team was numerous, and working on two Saturdays would mean that I was quite tired out on weekdays.

Thank God for watching over my health during this period and to finish up the deadlines, and also for my colleague who covered me when I was not around the 3 days. It wouldn't have been possible without the team effort.

It was indeed a wonderful experience being involved and I learnt so much in the few days volunteering about how the games were carried out, and the work involved from organiser.

Decided to volunteer as I feel that after I have kids/etc, I may not have the time/energy to have such an experience anymore, having to prioritise in other matters. No regrets and thank God things went okay too! =)





August is coming soon! For the first time in life, I am wondering if saving so hard in life is necessary. I always believed in the idea of fruits after hard work, so feel that saving a big portion of your salary and investing from young is the right way. Have been overly thrifty (especially on myself) except for overseas trips or food LA, not willing to spend money on things like good shoes, bags and stuffs as I had some really strict goals on retirement plans enforced..

But after some earth-shaking event in life recently, where I realised even money AND health is not within my control,  is it really worth it? What if you don't even live to the age you thought you would? Sometimes I am so tempted to just spend like others do, but like my sister says since my university years "MF see your face will want to save" LOL so I guess it will take a while to change that =X

Maybe ba, maybe I will stop being lame and plan for retirement because I am only 28. Bleahs.

With the different types of Grab services introduced lately, I started feeling slightly lost about this whole thing. So I decided to do up the following table, for the top 5 most used services by me - hopefully it will help someone too!

It's 2.30am in the morning now..Was unwell yesterday and so was resting the whole day at home.. currently can't sleep.. >< Guess it is true that the older you get, the less sleep you need..

Was running through some thoughts on life.. the successes, the failures..and I felt like typing down some of the inner feelings..especially when it is still bare. (since I tend to forgot things quite fast so by the time I wake up tomorrow, most likely I won't remember lol)..

Here it goes..

To my dearest mother in law..thank you for bringing up a Godly man..(2 in fact!:)) It must be tough on you, as dad was a businessman. Like many tv series I watched in the past, it dawned upon me that you were one of those tough ladies, (whom I have not saw in this light before).. who brought up their children with grit, independence, love and prayers for the family. With dad travelling often, it must be difficult..yet you successfully did it. With so so much love. And no complains.

I wonder, if I can ever do, the same thing as you did. Self sacrificing, unconditional love. That's all I can say. If it is me, I might be resentful, I might be emo..I might let my feelings get the better of me. All which is detrimental to a good marriage life. That's the reason we all need God, isn't it? To give us strength, in our weaknesses. You are indeed a lady of faith, by the stories you shared..and for that, I admire you.

Haha, I doubt I will ever say all these..maybe one day when we both grow older.. =)

Mummy, thank you for accepting who I am, for the person I am. I have made some mistakes in the past, hurt the people around me. (including you, because I said some nasty stuffs by accident- yes I am not perfect bOOhOO. ><), yet you have chose to forgive, and even allowed Dan to marry me!

I am blessed. How many people will stand by you when you are down and under? Other than your own family, it is really rare that people will stand by you when you are down. Most will try to distance themselves from you, (till things get better)...It is normal human nature of course, and I don't blame them, but yet - you did not. you did not judge me.. and I am forever grateful for that.

To my dearest father in law, thank you too, for letting Dan make his own decision on his life. It must have been worrying on your part too, but yet you still leave it to him. For that, i am truly thankful too. I pray and hope that I will be a good enough daughter in law to you all! :)

Finally, I would like to thank God for all. The timing for every season for each of us, was so nicely planned and put together..(even the 'bad' obstacle came at the right moment! O.O) now that i look back..

Indeed, I am amazed by your plans, to make each of us a more forgiving, bigger, better person. I am thankful also, for the friends you have put around me, to encourage me and still, believe in me. With You by my side, I have the courage to continue my life positively..knowing that You will be watching over me.

Thank You also for healing my father, bit by bit. I pray that he will regain his health soon and that we will all be able to go overseas again soon.

Praying for continued good health for all my family and friends.. and myself, and let's strive for a better tomorrow!! Why?

Because it's FRIDAY!! wOOtS!

TGIF. Haha that's all for the night. Bye!

Like the financial year end, 31 March marks the end of our school's fiscal year. Going to be a busy month in April, but let's look back on how 2017 flew past!

I wonder if 2017 is really a year of 'breakthroughs'. Once again in Mar 17, I was put into another great test. This test was really very hard to overcome, as it is something to do with finances. Being thrifty is something that has been ingrained in us, but letting go of control over our finances without choice, was not something I was taught to do.

I was taught from a young age to manage my finances with the greatest care. So in this case, it was indeed by His grace that I handle the situation without exploding, as at many point of time i was almost close to doing so. Thank God that I did not do/say things that I will definitely regret. Just glad that all these nightmare is over, and I really need to get some proper sleep tonight.

One thing that I am very grateful for, is that God healed him. Let's call him P. P is someone close to me whom I love very much. He is in the midst of recovery now and can i just say that this situation made me a little more solemn nowadays. How can you smile as hard when your loved ones have to go through such pain?

I thank God though for the friends who knows and are silently supporting us. Thankful for the friends who are praying and confessing daily for him to get well as well. Also, thank You Father for hearing our cries, and answering them in a miraculous way. Please continue to watch over him and all friends' loved ones' health too. *Prays*



Both are huge stressors to me, and knowing my health..it is very important that I have 7 hours sleep a day. Feeling slightly emo due to not very good sleep recently, but I confess that I am going to have excellent sleep from tonight onwards every single day! :)) Jiayou MF~!

Sometimes, it is only when you realise how imperfect/broken you are, that you can forgive others who hurt you. Isn't it? Imagine if God did not give me all the trials in the past, if i am perfect without making any mistakes or hurting others, if i have the most perfect health, I might not be able to be so gracious to others. Which is why despite the falls, i am always glad He gave me the strength to go through each trial and grow stronger.

Haha okay enough of emo-ness. Let's talk about happier things and get on with life! found this video of Daniel when he ask me to be his gf in 2013. How time flies!! it is almost 3.5 years we are officially together! =) We have been talking about creating vlogs and blogs together. HAHA so far we started our blog: www.joyfoolee.blogspot.sg , but have not come to regularly posting it. :P At this speed maybe we will take 10 years to create the blog, probably by then we can even include our children in the video. :P



Haha. Other than the not too good things (atm it may seem so but maybe not next time), there are many things that i want to note down in my blog to thank God for too!

1) For the miracle healing :))
2) For giving me opportunities to lead "Praise" and "Testimony" session during cell group. Although i think i screwed up the previous one! haha. Many thanks to my cell group leaders who trusted me to lead when even i don't trust myself. X)
3) For a supportive husband who goes with me to Zumba classes. HEHE thank you, xin ku ni le!! Maybe after this 8 classes we switch to hip hop class? so the classes not only have girls LOL LOL
4) For being healthy. Pray that i will continue to be!
5) For Perfomance Bonus after one year!
6) For lovely colleagues

Fighting!~

And 2 months just flew past like that~

What were the goals? Focus on the 3!

Hmm..I have some issues to deal with regarding money..


On one hand, I really dislike it as it is a topic that is constantly buzzing around my ears ever since I was growing up. (as we came from a low income family) Non stop, 24/7, even as of now.

The constant talks on wealth, how to work hard to get "Enough", how we can never break past barriers no matter how hard we work, all these are ideas that my naïve mind does not want/wish to subscribe to.

What I believe, and still do - is that God will provide, and since He will, why must I think soooo hard on it. In one of my blog post in the past, I mentioned that this does not mean that we don't do any financial planning, etc. What I meant was, we can just work hard, buy some insurance, save, and have good health, lalala, and all will work out! Right? mmm!

There was even a point in life that I hated it so much - I decided to give $120 to a cab driver who bother to listen to me talk, just to show that I can survive without it. (Not to show off, but just sharing - though I am not sure if I regretted afterwards la LOL)

Yet, on another hand..i love to count/handle money,etc. There was one period I worked in Cisco! And we were all doing some packer job, not packing items, but cash. Stacks of S10/$50, and even smaller stacks of $100K. LOL I must admit it was the most fun temporary job in my life so far, though it was also the most tiring one where we have to work night shifts.


Back on point, as I start to receive more blessings from above, it has become a concern to me, the struggle between reality and my naïve thoughts on $$. I even started to plan for my retirement!! (HUH) and I do spend quite a bit of time reading up in this aspect, instead on the simplistic belief.

In fact, I think i have been spending too much time researching, and this is causing some inner conflict. Because... this subject has began to interest me. Things that I don't care in the past, I have began to see. O.o And this is not always a good thing, because greed comes into the picture.

NoOOoOOOOoO! *tries finding back the old lmf* Wo Bu yaooOOO dong shi x)

LOL anyway, the struggle boils down to one thing. As always. Control. The need to control things in our life. Every time I try to control an area in my life, or starts putting priority on that particular area , things won't work out. But when I let go and trust God to handle well, things does. It's highly interesting isn't it. Hmm. Does anyone else feels the same?

So I have found out after 27+ years of life, that the key to life is not to find happiness! It is to Lose control of things (don't expect too much) and to trust the above to control your life. And that, will somehow lead you to happiness. Haha.


   
Yes, so less priority on $$$, more priority on the Creator who gave me the grace. I have a love hate relationship with cash, if you give me a surprise visit, I will still welcome you! But bye for now, going to chuck thoughts of you away and re-prioritise hehe! :)


OK I dunno what kind of blog post is this. Maybe one that is just before a busy audit week. Pray that the week will fly by and all will go smoothly at work. Jiayou jiayou everyone! :)

Besides writing random posts about my dramatic life (hope not anymore), I shall blog about some useful information that I found out too.

As I live in a cave and have a habit of finding out technology/fashion/companies/etc, later than others (HAHA), maybe it will help those who are new to such topics too when I blog. If it doesn't, please CLICK HERE to what out what helps. ;)

OK so that day my insurance agent and I was discussing about a form I have to print out and fill, then send it back to him. Because my house do not have a working printer yet, I had a problem. To cut the story short, I need to pass him the form urgently. So I need to first: print out my form, second: scan the form back to him.

Was wondering what I should do, and he introduced me this app, which I downloaded and found it very useful! Thanks YY!:)

It is called "Adobe Fill & Sign". Let me introduce you this wonderful invention!

3) After which, you can "share" the completed form through whatsapp to whoever who needs it. =D

Let's hope it's always free! :)

New Chair

And so, I have always liked customised things, or things that are personalised (passport holders, pink calculator, pink wall paper on my computer..pink water bottle or any thing that is pink basically)

So it is of course a dream to own things that is bought myself and according to my own liking. So I have been looking through many office chairs since I move in. Somehow, it just doesn't seem to be the one I like. If it is, it may be too expensive. so while chatting with Dan about 5 months back, he introduced to me this website of chairs.

I fell in love with the chair on the site! It look so classy and comfortable! But as the price was a little steep, I couldn't bear to get it. After many considerations - that we did not get much furnitures for the house anyway, I finally make the decision to buy.

The website states that it will take 4-8 weeks for the shipment to arrive. For some reason, I receive an email the next day, saying that the chair will arrive in 5-7 days.. I was so happy! Then two days later, I receive an SMS saying a NINJA will be delivering to my house that day. WOW , what superb customer service was that. Thank God for watching over my chio chair and let it reach me so fast! :)

P.S: Self fixing required but it doesn't take very long, and the price is really much lower than outside for some chairs!


                                              my personalised pink wall paper on my laptop!

For more information on the chairs from this company, please CLICK HERE . This is a Japanese brand btw.

And so here I am, taking leave on my birthday and resting (slacking)! Will be going out for lunch later. HEHE Birthday rawks! =D

As promised, today I shall write another post!

Haha, maybe after a while, as i stop advertising on Facebook on this blog's existence, I will realise that the only person reading this blog is myself..*sobs*..

So far I think I have got 6 followers who subscribed to my blog.. and I started writing since donkey years ago. >< Ok this must be because i do not have a habit to update the blog as frequently (4-5 post last year) - that's why. *continues to live in self denial*

Last week the readership went up to 200views though! So i am just praying for a miracle to happen that people will suddenly find interest in my lamebowl blog. hahaha.

But it shouldn't matter anymore! because since i love to write, so i should just type whatever that comes to my mind, even if there is nobody reading it. *TRIES giving the biggest hint i can* x)

Do subscribe ok! If you have yet to, i will really be so touched, and feel loved, that this is a blog that went through many episodes of "Survivor" and came out stronger. =) Thank you in advance haha!



Food for thought: Have you ever read about how if you give time to what you love to do (30 mins each day), then maybe one day it will all add up to something big? Every success starts from something insignificant, and that's what i shall do for 2017:)

Enough talking to myself, today i shall talk about retirement. LOL. Recently, I have the honour to know a good friend. We love to discuss about how we invest and save our money. It is really interesting to share, because i think it is not everyday that we can discuss about such money topics with your friends.



Firstly, if you do, maybe they will think you that you are too hao lian, and secondly, this is such a sensitive and private topic! Haha but for some reasons, maybe due to age difference, or she is such a great listener to my never ending stories - we were able to do so comfortably. =))

Because we are such risk adverse people, (unlike investors who take bigger risks in stocks and sometimes earn really high returns), we chose to do what the common man do. I am not sure if such decisions will prove to be "Wrong" in the future when i look back, but i think this is a more secure and safe route which i prefer to take. And my heart will be able to work better without the highs and lows, hopefully.

Ok so here it starts! A few months ago... I chanced upon this blog, on how we could most certainly save $1million by retirement and i got really excited! (Although i know $1 million by then would be not so much due to inflation, but still =)..

This is assuming that you are healthy & working, thus contributing regularly to CPF. In short, the blog posts talks about how we should take advantage of the higher interest rates provided by CPF, the fact that you are young by the magic of compounding interest.

The blogger, named AK, showed snippets of his own CPF statements, and how by transferring some of his OA to SA at a young age, plus cash top ups into SA, he manage to accumulate a lot of wealth, through the interest rates from the govt. On top of it, he does some other investments too.



However, there are many considerations before transferring your money to SA. This is because once the money is transferred to SA, you can only take it out when you are 55 years old. (that's like 20+more years) I don't mean take out everything at age 55 though, but only the difference on top of the Minimum Sum. (currently pegged at $166K).

So if you are still paying off your housing loans, education loans, or are those with bigger risk appetite (thus would want to use your OA to invest in stocks), then maybe you would not find this approach appealing at the moment.

One thing about this blogger which i find interesting, is how he dares to use proofs, by putting up his own CPF statements, the huge amount of interest he gets a year, onto his website. You can visit his blog and look at the blog posts at the side tool bar for more information~

This is one of his posts which i find interesting: CLICK HERE for the link! :)

A second "safe route" we discussed is the Singapore Savings Bonds. This product has so much liquidity, i am surprised that i did not even know of its existence till my friend shared it to me! *facepalm*



Basically, it is a 10 year product that provides about 2-3% returns. The difference from putting the money in a bank is obviously the higher interest rates. And there is one more huge advantage of this product compared with fixed deposits (lower interest rates omg): that is - you can withdraw it ANYTIME you want before the 10 year period, and DON'T suffer any loss due to early termination. What??

Ok maybe the only cost you need to bear is the $2 transaction cost? Plus the time from applying to withdraw the money to you receiving your money is apparently only one month. The liquidity is so awesome! =) I am going to pump my emergency funds in! :)

Maybe i should shut down one of my saving accounts then? Since is offers me such a low rate, and by transferring, i think i will have less than $1000 inside, later kana penalty $5. haha.

Eh if you are someone who is very in tune with all these products, please don't laugh at my ignorance. Ignorance is bliss la! =)



Hmmm..after researching much more on all these money money stuffs late last year, instead of just scrolling and looking at facebook news all day long + watching a lot of tv, i am excited! This will make me think twice before spending on holidays. But i still love to go on trips, so haha i can't throw in all my money too. Later by the time i want to spend my retirement savings, i might not be able to tahan the cold awesome winter/taking planes heh.

I am just so glad that all the part time works i did when i was younger (thus the CPF contributions) can come to some use now! :)

SA SA SA SA St Andrew JC~ haha okay lame. Thank God for a sweet friend~ =D Let's all start saving for retirement, and take care of our health (reminding myself)! Adios!=)

Yay i am so grateful for the long CNY weekend, and working in school means that we start work on Wednesday, which is awesome as i need a breeeeeeeeeeeak!:)

January 2017 started out being a very difficult month for my family. There were some real bad news, and we were brought on a roller coaster ride. The good thing is, we got more united..but having to handle the news plus going to work was soo tough. Really felt so physically and mentally drained each time i am home. And it doesn't help that work is at its peak period, and i have to concentrate.

For someone who NEEDS to have 7 hours sleep a day (or it is dangerous ><), this was a tough month for me - barely scrapping 6+ hours of sleep a day.

Thank God for pulling me through, and watching over us. Thank you also to all the friends (you know who you are) who have been fasting and praying for our family. I am so touched by your act of kindness to me, and this helps calm me down much more! =) I shall not elaborate more as this is quite private matter, but yeah, so far God has been faithful, and we are in the midst of more updates. Thank you dear too for being silently there! :)



It is only today, that i can finally heave a big sigh of relief, and have the mood to blog! =)

This 3 weeks, i have been thinking real deep - what do i want to do in my lifetime? We always think that we have so much more time left, but i am only about 28 years away from hitting 55 years old. (An age i can draw out money above the Minimum Sum! but that's not the point LOL)



Being a little bit of a planner, and someone who likes to think of all the nonsense thing (think too much but i have been trying to think lesser already! >< HAHA only these 3 weeks start again)

*side track*
Can you imagine i actually decide not to go into relationship at age 14, because i was counting down to 25 (marrying age), and was thinking how little the probability was that we could stick together for 9 years. How we should always reject guys at first or second tries, because of this logic: If they really are serious about you and want to marry you, they will NOT disappear even after rejections! (Anyway, the chasing part is always sweet, so why not prolong abit;) )

I mean, they want/plan to spend the rest of their life with you, how can a single "Sorry we can only be friends", make him move on and find another target just like that? And sadly, most guys will disappear after one or two rejections. They are just trying their luck with me. BOOO HOOO! i am not attractive enough, sadly ='( HAHAHA.

But really, sometimes when we say no, it may also be due to our own past experience/fear of relationships/insecurities. So it's not the guy problem, it's the girl!!! (there is a possibility that this may be the case, why not don't lose heart, and try harder then?)

So, this is a tip boys!! If you really REALLLYYYY wants to marry the girl, chase her hard, and DON't give up!!! But please don't go and harass her haha, it's always good to start from friends first to know her at a deeper level! Offer her support when she needs, always there to offer a listening ear :) Who knows how everything will turn out? Right, dear? =D

However, if after 2 years the girl still don't accept, and is not touched by what you are doing for them, then maybe, maybe jiu suan le ba. I am sure another girl will appreciate all your efforts! Jiayou! :) Daniel did it after about 1.5 years, so i think that's a good gauge! :)


Rainbow waterfall! we did it! :)



Bday surprise @ top of 1000 steps with a medal~

Feb 13 BFF Surprise @ Airport






I graduated!


Success! He got his girlfriend! @ Esplanade carpark*

*Disclaimer: This is a non-researched method, please do not find/sue me if it doesn't work*

LOL so yupps, that's really thinking too much right?

It is a double-edged sword - while it helps me in making rational decisions (even though i was a very emotional creature), this also means that i spent aLOT of my brain space with unimportant issues and this does not optimize the reality i am in. So if you find me half-gone, please do not mind as my brain is probably whizzing away at some other random thoughts. =)

OK so back to the topic i was in - yes, i only got 28 years left!! (and who knows also!) to do what i want to do, to fuifill my small girl dream. I want to!! and i definitely don't want to just go through life phases like the norm, without impacting anyone's life! This brings me to a very big question, what is the most important thing to me? So after thinking through day and night, night and day the past 3 weeks..until the brain wanted to go on strike.. i finally came to a conclusion.....

I AM NOT SAYING!! =P

Haha, lol ok i shall not be lame. It got to do with trying to gain financial independence (dunno how to reach there, will/have to plan my finances well, trust God and pray at this moment for more directions).

YAY!!! =D I am excited - now that i finally know what's important to me, and this option pops out, i shall do just that! Slooooowly and gradually this time.

So here is wishing you a happy Chinese New Year all, remember to find joy in every little things, especially your health! Health = Wealth =D


P.S: Looking forward to pay day is something i have not got bored of, even after working for 4.5years. PAY DAY COMING LO, HUAT AH! =)

yay my lovely sister is married!! May we always be as close~ [to be updated]