I love this camera. It looks so pretty!!
See this link here: http://www.olympusimage.com.sg/products/compact/x_series/xz1/
Is this camera good? Cost $598. Should I buy it? Give me some comments.
Thursday, March 29, 2012
Olympus XZ-1 Camera
I wanna buy a new camera!!!
See this link here: http://www.olympusimage.com.sg/products/compact/x_series/xz1/
Is this camera good? Cost $598. Should I buy it? Give me some comments.
See this link here: http://www.olympusimage.com.sg/products/compact/x_series/xz1/
Is this camera good? Cost $598. Should I buy it? Give me some comments.
Sunday, March 25, 2012
Wedding dinner at Carlton Hotel
Went to a wedding dinner with Robin at Carlton Hotel. As it is late and I am really sleepy, I will just let you all see the photos. Overall, it was a good experience =) Ok to hold your wedding there. Service and food are not bad.
I love the souvenirs. It is a badge and a pack of poker cards. The poker cards are very useful and meaningful. I like!
Nantsuttei at Parco Marina Bay
Have you all been to Parco Marina Bay? It is situated inside Millenia Walk. There are many small shops selling unique clothes. There are also many Japanese eateries/restaurants in the mini Japanese gourmet town located on level 2. Nantsuttei is one such eatery. It specializes in ramen.
Nantsuttei has been drawing a growing fan-base since her opening two years ago. Specializing in the use of Kuro Mayu (garlic oil) in their creations, much hype has been generated about the popular outlet- especially with their salty and spicy Ramen offerings. When I went there with Onyee, there was a long queue lined up outside the considerably small dining venue. The interior setting appeared to be rather cramped with their seats situated rather closely to one another; hinting of the fact that it is a place whereby one simply ‘eats and goes’.
Went home after dinner with Onyee on that day as I was feeling unwell. On my way home, I saw the Chingay Parade. One of them was the NUS float.
Nantsuttei has been drawing a growing fan-base since her opening two years ago. Specializing in the use of Kuro Mayu (garlic oil) in their creations, much hype has been generated about the popular outlet- especially with their salty and spicy Ramen offerings. When I went there with Onyee, there was a long queue lined up outside the considerably small dining venue. The interior setting appeared to be rather cramped with their seats situated rather closely to one another; hinting of the fact that it is a place whereby one simply ‘eats and goes’.
Many people dining there.
Yummy ramen!!!
Went home after dinner with Onyee on that day as I was feeling unwell. On my way home, I saw the Chingay Parade. One of them was the NUS float.
Friday, March 23, 2012
Wednesday, March 21, 2012
A Riddle
I saw this question on a forum and decided to post here:
A young boy and his father were out playing football when they were caught at the bottom of a giant pileup. Both were injured and rushed to the hospital. They were wheeled into separate operating rooms and two doctors prepped up to work on them, one doctor for each patient. The doctor operating on the father got started right away, but the doctor assigned to the young boy stared at him in surprise. "I can´t operate on him!" the doctor exclaimed to the staff. "That child is my son!"
Why is that so? Quick, come and give your answer in the comments!
A young boy and his father were out playing football when they were caught at the bottom of a giant pileup. Both were injured and rushed to the hospital. They were wheeled into separate operating rooms and two doctors prepped up to work on them, one doctor for each patient. The doctor operating on the father got started right away, but the doctor assigned to the young boy stared at him in surprise. "I can´t operate on him!" the doctor exclaimed to the staff. "That child is my son!"
Why is that so? Quick, come and give your answer in the comments!
Hi all. I have got 4 tuition assignments which I am unable to take. Too busy!!!
1. P2 Math at Hillview - requires full-time tutor
2. P4 Chinese at Hillview - requires full-time tutor
3. P6 Math at Bukit Panjang
4. Sec 2 English at Bukit Panjang
Leave a comment if you are interested in any assignment.
1. P2 Math at Hillview - requires full-time tutor
2. P4 Chinese at Hillview - requires full-time tutor
3. P6 Math at Bukit Panjang
4. Sec 2 English at Bukit Panjang
Leave a comment if you are interested in any assignment.
Monday, March 19, 2012
Sunday, March 18, 2012
Review - Siam Kitchen at LotOne
Ok, this review is like ages ago because Robin and I went there on Valentine's Day. It was really crowded on that day. I guess everywhere is.
I know, I know. I looked really tired in this photo.
This french bean with chili is really nice!!
The satay is great too. I love the ones I had with Diana in KL!
I chose my own Valentine's Day present at Bega. It's just clothes.
I bought a Loreal concealer for myself =)
Review - Tonkatsu by Ma Maison at Mandarin Gallery
One thing to take note: There's only pork at Tonkatsu by Ma Maison at Mandarin Gallery. Anyway, their specialty is in pork so you should try their pork if you dine there. Personally, I still prefer the black pig at Tampopo at Ngee Ann City. It's really good. You should try it!
Review - Astons at Centrepoint
I always see a long queue at Cathay Astons. I have no idea why. Tried the food there years ago but it was just so-so. Not big deal enough for me to queue for so long! Haha. Anyway, there was no queue at the Centrepoint Astons which is great. The food there is still so-so and the service sucks =.=
Saturday, March 17, 2012
Insurance - Don’t wait till you develop a medical condition
Sunday, 31 l 10 l 2010 Source: The Sunday Times
By: Lorna Tan
HEALTHY SAVINGS
CASE 1
Mr Henry Tay (not his real name), in his 40s, was admitted for spinal surgery owing to lumbar prolapsed disc in the middle of this year. He spent three months in a Class A ward at Mount Elizabeth Hospital. In 2008, he had bought a Medisave-approved integrated Aviva MyShield plan as well as a rider – MyShield Plus – which covers the co-insurance component. The annual premium for his Shield plan is $480, payable by Medisave. He pays another $145 in cash for the rider.
His total hospitalisation bill of $203,000 comprised:
Room and board: $91,000
Surgeon fee: $27,000
Doctor attendance fee: $51,000
Other inpatient costs: $34,000
Total amount payable by insurance: $200,000
Ÿ Amount payable under MyShield: $180,000
Ÿ Amount payable under rider: $20,000
Amount not payable by insurance: $3,000 (deductible)
As Mr Tan’s rider does not cover the policy deductible of $3,000, he had to pay that amount out of his own pocket. The balance of the bill worked out to $200,000, of which the co-insurance component was $20,000 or 10 per cent of the total bill after taking into account the deductible. The amount of $20,000 was covered by the rider.
The outstanding amount of $180,000 was payable by his MyShield plan.
Had Mr Tay opted for a rider that covers both co-insurance and deductible, he need not have coughed up a single cent.
CASE 2
In January, Mr Daniel Loh (not his real name), 56, was admitted to a restructured hospital for cancer treatment during which he underwent three surgical procedures. He stayed in hospital for 59 days: three days were in the ICU B1 ward, five days in a B1 normal ward and 51 days in a subsidised ward. Mr Loh originally owned an IncomeShield standard plan. In 2007, he upgraded to an Enhanced IncomeShield Basic Plan, which is a B-ward plan with the as-charged feature. He added a Plus rider that covers the deductible and co-insurance components. His annual premium for his Shield plan is $340 and he pays another $224 in cash for the rider.
His total hospitalisation bill of $47,807 comprised:
Room and board and inpatient costs (ICU ward): $2,257
Room and board and inpatient costs (non-subsidised B1 ward): $4,279
Room and board and inpatient costs (subsidised B2 ward): $24,652
Surgical costs: $15,420
Implants and medical consumables: $1,199
Total amount payable by insurance: $47,807
Ÿ Amount payable under IncomeShield: $41,676.30
Ÿ Amount payable under rider: $1,500 (deductible) + $4,630.70 (co-insurance) = $6,130.70
The policy paid for the bill in full because Mr Loh stayed in the appropriate ward that was covered by the health plan and his rider covers both deductible and co-insurance.
By: Lorna Tan
HEALTHY SAVINGS
CASE 1
Mr Henry Tay (not his real name), in his 40s, was admitted for spinal surgery owing to lumbar prolapsed disc in the middle of this year. He spent three months in a Class A ward at Mount Elizabeth Hospital. In 2008, he had bought a Medisave-approved integrated Aviva MyShield plan as well as a rider – MyShield Plus – which covers the co-insurance component. The annual premium for his Shield plan is $480, payable by Medisave. He pays another $145 in cash for the rider.
His total hospitalisation bill of $203,000 comprised:
Room and board: $91,000
Surgeon fee: $27,000
Doctor attendance fee: $51,000
Other inpatient costs: $34,000
Total amount payable by insurance: $200,000
Ÿ Amount payable under MyShield: $180,000
Ÿ Amount payable under rider: $20,000
Amount not payable by insurance: $3,000 (deductible)
As Mr Tan’s rider does not cover the policy deductible of $3,000, he had to pay that amount out of his own pocket. The balance of the bill worked out to $200,000, of which the co-insurance component was $20,000 or 10 per cent of the total bill after taking into account the deductible. The amount of $20,000 was covered by the rider.
The outstanding amount of $180,000 was payable by his MyShield plan.
Had Mr Tay opted for a rider that covers both co-insurance and deductible, he need not have coughed up a single cent.
CASE 2
In January, Mr Daniel Loh (not his real name), 56, was admitted to a restructured hospital for cancer treatment during which he underwent three surgical procedures. He stayed in hospital for 59 days: three days were in the ICU B1 ward, five days in a B1 normal ward and 51 days in a subsidised ward. Mr Loh originally owned an IncomeShield standard plan. In 2007, he upgraded to an Enhanced IncomeShield Basic Plan, which is a B-ward plan with the as-charged feature. He added a Plus rider that covers the deductible and co-insurance components. His annual premium for his Shield plan is $340 and he pays another $224 in cash for the rider.
His total hospitalisation bill of $47,807 comprised:
Room and board and inpatient costs (ICU ward): $2,257
Room and board and inpatient costs (non-subsidised B1 ward): $4,279
Room and board and inpatient costs (subsidised B2 ward): $24,652
Surgical costs: $15,420
Implants and medical consumables: $1,199
Total amount payable by insurance: $47,807
Ÿ Amount payable under IncomeShield: $41,676.30
Ÿ Amount payable under rider: $1,500 (deductible) + $4,630.70 (co-insurance) = $6,130.70
The policy paid for the bill in full because Mr Loh stayed in the appropriate ward that was covered by the health plan and his rider covers both deductible and co-insurance.
Friday, March 16, 2012
Thursday, March 15, 2012
MediShield premiums to increase soon
Quoted from CNA website:
SINGAPORE: Health Minister Gan Kim Yong said MediShield premiums are due for an increase soon.
Mr Gan told Parliament on Wednesday that the premiums need to be adequate to sustain MediShield members' claims and fund future liabilities.
He said a 45-year-old may see a premium increase of S$7 per month, with younger age groups seeing a smaller increase.
While a 75-year-old could see an increase of S$25 per month.
Those above 65 will also receive direct and long-term assistance via Medisave top-ups under the GST Voucher scheme of up to $450 a year, which can offset the premium increase in full.
To offset these increases, a one-time Medisave top-up of up to S$33 per month, was announced in the recent Budget for all Singaporean policy holders to help cushion the impact of the increase.
Mr Gan said: "As part of the MediShield changes, we will have to update our premiums in line with claims experience to keep the scheme solvent. As Medishield premiums are set to be sustainable for a five-year period and the last increase was in 2008, we are due for the next update soon.
"The premiums need to be adequate to sustain MediShield members' claims and to fund future liabilities under the scheme. On the whole, MediShield has paid out 21 per cent more in claims each year between 2008 and 2011, which benefits policyholders, while the premiums collected grew by only 10 per cent per annum."
The insurance scheme will also see its coverage extended from age 85 to 90.
Mr Gan said given the longer life expectancy today, this will ensure that Singaporeans will be covered for most of their lives.
He added the ministry is cautious about extending coverage beyond 90 as there is a small number of policyholders in this age group with a high risk of claims which would lead to more expensive premiums.
Going forward, the Health Ministry is also studying the feasibility of extending MediShield to cover other vulnerable groups such as children with congenital and neonatal conditions.
MP for Pasir Ris-Punggol GRC Janil Puthucheary said: "If part of the current policy for excluding these children is that these children are not expected to survive, the policy has not kept up with advances in medical science."
Mr Gan said: "By covering congenital and neonatal conditions under MediShield, we would be able to reduce parents' financial burden and give them greater peace of mind.
"But doing so will also impact the MediShield premium that they would have to pay for their children at the younger ages. We hope to avoid the situation where some parents who expect their children to be healthy choose to opt out of the scheme and apply for insurance coverage for them only later to avoid the higher premium, which could undermine the scheme over time."
- CNA/ck
Personally, I think that MediShield is not enough. A Medisave-approved Integrated Shield Plan (IP) is the most basic and essential insurance that everyone should have and we really need to apply it early because if anything happens (touchwood), then it will be more difficult to apply. By the way, just wanna rant a little - how come Aviva is taking so long to approve a shield plan? =.=
SINGAPORE: Health Minister Gan Kim Yong said MediShield premiums are due for an increase soon.
Mr Gan told Parliament on Wednesday that the premiums need to be adequate to sustain MediShield members' claims and fund future liabilities.
He said a 45-year-old may see a premium increase of S$7 per month, with younger age groups seeing a smaller increase.
While a 75-year-old could see an increase of S$25 per month.
Those above 65 will also receive direct and long-term assistance via Medisave top-ups under the GST Voucher scheme of up to $450 a year, which can offset the premium increase in full.
To offset these increases, a one-time Medisave top-up of up to S$33 per month, was announced in the recent Budget for all Singaporean policy holders to help cushion the impact of the increase.
Mr Gan said: "As part of the MediShield changes, we will have to update our premiums in line with claims experience to keep the scheme solvent. As Medishield premiums are set to be sustainable for a five-year period and the last increase was in 2008, we are due for the next update soon.
"The premiums need to be adequate to sustain MediShield members' claims and to fund future liabilities under the scheme. On the whole, MediShield has paid out 21 per cent more in claims each year between 2008 and 2011, which benefits policyholders, while the premiums collected grew by only 10 per cent per annum."
The insurance scheme will also see its coverage extended from age 85 to 90.
Mr Gan said given the longer life expectancy today, this will ensure that Singaporeans will be covered for most of their lives.
He added the ministry is cautious about extending coverage beyond 90 as there is a small number of policyholders in this age group with a high risk of claims which would lead to more expensive premiums.
Going forward, the Health Ministry is also studying the feasibility of extending MediShield to cover other vulnerable groups such as children with congenital and neonatal conditions.
MP for Pasir Ris-Punggol GRC Janil Puthucheary said: "If part of the current policy for excluding these children is that these children are not expected to survive, the policy has not kept up with advances in medical science."
Mr Gan said: "By covering congenital and neonatal conditions under MediShield, we would be able to reduce parents' financial burden and give them greater peace of mind.
"But doing so will also impact the MediShield premium that they would have to pay for their children at the younger ages. We hope to avoid the situation where some parents who expect their children to be healthy choose to opt out of the scheme and apply for insurance coverage for them only later to avoid the higher premium, which could undermine the scheme over time."
- CNA/ck
Personally, I think that MediShield is not enough. A Medisave-approved Integrated Shield Plan (IP) is the most basic and essential insurance that everyone should have and we really need to apply it early because if anything happens (touchwood), then it will be more difficult to apply. By the way, just wanna rant a little - how come Aviva is taking so long to approve a shield plan? =.=
Wednesday, March 14, 2012
Stress-less Job
Is there any job which has no stress? Haha. I want an early retirement!!
By the way, I think my 3G network has some problem. Can't access it at night. I really shake my head at Singtel ah =.=
By the way, I think my 3G network has some problem. Can't access it at night. I really shake my head at Singtel ah =.=
Sunday, March 11, 2012
Happy Birthday to Me!!
It's my birthday today. A very Happy Birthday to myself!! =)
May all my wishes come true. Haha~!! Nights all.
May all my wishes come true. Haha~!! Nights all.
Friday, March 9, 2012
Make It Right For A Better Ride
Has anyone heard of the slogan - "Make It Right For A Better Ride" ? If you are a regular commuter on our Singapore public transport, I'm sure that you will have seen at least one of these posters (click here: https://www.facebook.com/media/set/?set=a.278783215525255.61030.132581033478808&type=3). Anyway, if you haven't noticed the posters, just click on the link and check it out =)
Among all those posters, my favourite one is the one below.
This poster speaks what I hope will happen. I hope that everyone can wait patiently behind the yellow line when taking the MRT/LRT and DO NOT rush in when the doors just open. Please let the people inside come out first before going in. Makes sense right? Then you will have more space. Of course, let's all also do our part to be more considerate by moving to the centre of the train so that it is easy for other commuters to come in. Lastly, do offer your seat to someone who needs it more than you. Who knows, next time maybe you or your family/friends also need a seat more and someone nice will offer you/them a seat.
I really really hope that every commuter can practise the above as I am so sick and tired of people squeezing and dashing in when I haven't even come out yet. Today, I waited patiently at the side for commuters to come out first before going in. Later on, there was this group of people who blatantly just stood in the middle of the door. When the commuters were coming out, they just pushed their way in! I have seen many ungracious people doing this. Just pushed their way in to grab seats. Really OMG!! I was there first (as I have just missed a train) but I ended up with no seat because those people pushed their way in and grabbed the empty seats.
To be on a positive side, I have seen some very nice commuters also. Giving way, being considerate and offering seats to those in need. Really thumbs-up for them. Let's all be like them. Let's all make commuting an enjoyable thing to do. Make it right for a better ride!
Join the “Make It Right For A Better Ride” Twitter contest and stand to win a pair of movie tickets! More details on http://on.fb.me/betterrid
Among all those posters, my favourite one is the one below.
This poster speaks what I hope will happen. I hope that everyone can wait patiently behind the yellow line when taking the MRT/LRT and DO NOT rush in when the doors just open. Please let the people inside come out first before going in. Makes sense right? Then you will have more space. Of course, let's all also do our part to be more considerate by moving to the centre of the train so that it is easy for other commuters to come in. Lastly, do offer your seat to someone who needs it more than you. Who knows, next time maybe you or your family/friends also need a seat more and someone nice will offer you/them a seat.
I really really hope that every commuter can practise the above as I am so sick and tired of people squeezing and dashing in when I haven't even come out yet. Today, I waited patiently at the side for commuters to come out first before going in. Later on, there was this group of people who blatantly just stood in the middle of the door. When the commuters were coming out, they just pushed their way in! I have seen many ungracious people doing this. Just pushed their way in to grab seats. Really OMG!! I was there first (as I have just missed a train) but I ended up with no seat because those people pushed their way in and grabbed the empty seats.
To be on a positive side, I have seen some very nice commuters also. Giving way, being considerate and offering seats to those in need. Really thumbs-up for them. Let's all be like them. Let's all make commuting an enjoyable thing to do. Make it right for a better ride!
Join the “Make It Right For A Better Ride” Twitter contest and stand to win a pair of movie tickets! More details on http://on.fb.me/betterrid
I can't remember since when that Diana and I wanted to be demanding and nasty customers. Okie, we want to be mean mainly on purpose. Kinda crazy, I know but we have got our reasons. Anyway, we realized that we cannot be demanding and nasty leh!! So difficult and troublesome!!! We have seen some cheapskate and nasty customers but too bad, we just simply cannot learn from them.
Haha~ Perhaps it's also a good thing? A blessing in disguise!
Haha~ Perhaps it's also a good thing? A blessing in disguise!
Monday, March 5, 2012
Double your Major, Double your Future with Kaplan/Murdoch University
What are your life goals? What do you want to do after your degree? Recently, I have just talked to one of my students about what she wants to do in future. She isn't that sure. Of course, when we are still young, we are not sure of what we want to do in future most of the time. Therefore, it gets a bit tough when we have to decide what course we want to study at such a young age.
Very often when we are choosing from so many different degree options in a university, we all hope that we can take up more than one option. If you have this opportunity to choose between the lists of double major degree programmes (http://www.kaplan.com.sg/khei/partners/murdoch-university-9/) that Kaplan offers, how best would you use this skill to advance your life's goals? It's so cool! Being the Kiasu Singaporean, I will choose this: Bachelor of Commerce in Finance and Marketing (Double Major). I like Finance and Marketing is really fun! Totally regret studying Economics in University last time. Like not very useful to my career! My cousin was complaining the other day that there are not enough interesting courses/modules to study in our local university. Maybe I will get her to check out Kaplan/Murdoch!
Just some info on Kaplan:
Kaplan emerged from humble beginnings some 70 years ago when founder Stanley Kaplan started offering “tuition” classes in his Brooklyn basement in 1938. It has since become a leading international provider of educational and career services for individuals, schools and businesses, catering to more than 1 million students from more than 500 locations around the world.
Their Facebook page: http://www.facebook.com/#!/KaplanSingapore
Click here: http://www.kaplan.com.sg/khei/partners/murdoch-university-9/
So what are you waiting for? Take action to view now and provide more options for yourself!
Payout from Nuffnang!!
Some time ago, I have received my cheque from Nuffnang!! Very excited! It was the first time I have received a cheque from Nuffnang! Haha, so we really do receive our cash payout from Nuffnang. Do come and join us! Just click on my Nuffnang link at the right side of this blog =)
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