yoyoz...... I AM STILL INSIDE OMMA'S WOMB!!! keke......
Today is Thursday (30/8/07), suppose to be induced if amniotic fluid level is low...... but who know??? Went for check up today and the amniotic fluid level is sufficient for me to stay in the womb longer!!! keke....
Gynae Dr. Wong advised omma that since Ji Eun is healthy and let me stay inside till Monday (3/9/07).... if by Monday, Ji Eun still havent come out, then really have to induce........
So, Omma ah...... i think you better walk more and squat more..... over the weekend, stop sleeping and better go walk walk more often......
No Choice..... I have a lazy pig Omma so have to remind her to exercise again & again..... keke......
Thursday, August 30, 2007
Monday, August 27, 2007
zoom zoom zoom...........Ji Eun is COMING!!!!.....
Today, went for CTG check up..... Ji Eun's heartbeat is as per normal and healthy but no contraction at all....so mean I have no intention to come out yet...... BUT.... when went for gynae check up, thru the scanning, pretty gynae told omma that amniotic fluid level was abit low..... so will be dangerous for Ji Eun to "hide" inside for long time!
hmm....so this thursday will go for morning check up again for the amniotic fluid level..... if the level is very low, then have to induce (by inserting the tablet) and ask Ji Eun to come out liao......
Ji Eun can sense that omma abit unhappy on Ji Eun bcos all along she wanted Ji Eun to come out herself naturally and not by inducing...... but no choice...... maybe bcos everytime heard omma scolding people so I dun dare to come out myself so soon.......i rather hide in the womb! keke.....
Anyway, gynae said Ji Eun still very healthy inside as Omma told her that ji Eun still move alot inside..... so not to worry.....
So, if thursday the amniotic fluid level is as normal, i will still stay inside the womb and wait..... if amniotic fluid level is very very low...... then i will see you all soon!!!! So, please get ready to welcome me!!! Ji Eun is COMING!!!!!!!
hmm....so this thursday will go for morning check up again for the amniotic fluid level..... if the level is very low, then have to induce (by inserting the tablet) and ask Ji Eun to come out liao......
Ji Eun can sense that omma abit unhappy on Ji Eun bcos all along she wanted Ji Eun to come out herself naturally and not by inducing...... but no choice...... maybe bcos everytime heard omma scolding people so I dun dare to come out myself so soon.......i rather hide in the womb! keke.....
Anyway, gynae said Ji Eun still very healthy inside as Omma told her that ji Eun still move alot inside..... so not to worry.....
So, if thursday the amniotic fluid level is as normal, i will still stay inside the womb and wait..... if amniotic fluid level is very very low...... then i will see you all soon!!!! So, please get ready to welcome me!!! Ji Eun is COMING!!!!!!!
Sunday, August 26, 2007
Appa & Omma!!! See you Tomorrow.... at the scanning machine! ;P
So fast..... weekend is going over....... Monday is coming and will have a appointment with Omma and Appa at 230pm......
haiz...... everyone keep sms omma checking is Ji Eun coming out...... omma so stress..... but its ok.... as long Ji Eun is not born on 23/8 can liao..... keke.....
So, how i spent my sat and sun??? well, nothing much.... sat went to airport for dinner with PL ah yee and Sam Uncle..... then sunday, went to Newton for dinner with popo and also went to NTUC Finest at Bt Timah Plaza for walk walk...... singapore really small and boring.....
How I wish I am in Korea now.... ;P
haiz...... everyone keep sms omma checking is Ji Eun coming out...... omma so stress..... but its ok.... as long Ji Eun is not born on 23/8 can liao..... keke.....
So, how i spent my sat and sun??? well, nothing much.... sat went to airport for dinner with PL ah yee and Sam Uncle..... then sunday, went to Newton for dinner with popo and also went to NTUC Finest at Bt Timah Plaza for walk walk...... singapore really small and boring.....
How I wish I am in Korea now.... ;P
Friday, August 24, 2007
Wow....I am going to Wk39 old.....
From Babycentre.com
If you're sitting at your computer reading this... then we're guessing that you probably haven't given birth yet! That's not surprising — only five per cent of babies are born on their expected due date. In fact, most doctors and midwives will wait another two weeks before considering your baby overdue. Let's hope you won't have to wait too long for the long-anticipated event. Until then, spend some special time with your partner, or, if you have older children, enjoy these days with them. You'll be glad you did once the baby comes.
Pauline Ah Yee...... Kamsahamnida
#2Yoyo...... see the below photos??? These are gifts from my ah yee!!! keke....
Thursday, August 23, 2007
Another present today!!! *^^*
Today is Thursday!!! Yupee!!! Tomorrow will be Friday!!!
Today, Ajumma Ada (Omma's colleague) gave Ji Eun a present!!! Its a soft toy, Doggie!!! wow!! I feel so fortunate that I havent even come out to meet you all and yet i got many presents now!!! keke....maybe this is the reason that I still dun want to come out! ;P wonder anymore presents??? ;P
Oh ya.... today omma really funny..... her legs suddenly so swollen.... think is water retention!!! So swollen really like a Pig Trotter! keke..... well nevermind.....since omma now already look like pig now..... Appa worried for omma's leg.... Dun Worry, Appa, omma said her legs not pain at all..... :D
Pig Trotter??? (Omma's Swollen leg :S)
ok....as usual...will show u my presents as below photo!!! Enjoy!!! :D
Doggie
Doggie with Bear Bear
Today, Ajumma Ada (Omma's colleague) gave Ji Eun a present!!! Its a soft toy, Doggie!!! wow!! I feel so fortunate that I havent even come out to meet you all and yet i got many presents now!!! keke....maybe this is the reason that I still dun want to come out! ;P wonder anymore presents??? ;P
Oh ya.... today omma really funny..... her legs suddenly so swollen.... think is water retention!!! So swollen really like a Pig Trotter! keke..... well nevermind.....since omma now already look like pig now..... Appa worried for omma's leg.... Dun Worry, Appa, omma said her legs not pain at all..... :D
Pig Trotter??? (Omma's Swollen leg :S)
ok....as usual...will show u my presents as below photo!!! Enjoy!!! :D
Doggie
Doggie with Bear Bear
Tuesday, August 21, 2007
Busy Tuesday :S
whew! Today omma had a super busy day..... early morning have to go office clear her email as ytd she went had appointment with Ji Eun so took half day MC...... then later she had made
some call to NTUC checking out some policy plan for Ji Eun.....
Omma think Ji Eun is coming out on next week so this week she is trying to clear her works as much as possible...... so busy..... so Ji Eun remains good girl in omma's womb and on and off move here and there! keke.......
Then later received email from Pauline Ah Yee and Ajumma Josephine...... guess what??? Pauline Ah Yee bought a cute bear bear for Ji Eun!!!! and Ajumma Josephine bought some cute pinky piggy rompers for Ji Eun!!!! I am soooo happy..... then I learned from Ah Yee that this Ajumma Josephine very rich one hor!!!! She lived in "ang mo" house, then condo and hubby owe a Lexus car leh!!! WOWOWOW!!!! *how i wish she can buy me a FERRARI car seat!!* keke....
So, when can my omma and appa as rich as her huh???? Pray hard i come out with some good digit and let omma and appa strike lottery lor! keke.....
As for dinner, we have a super full Pizza Hut Dinner with DY obba, Ajussi Tae Eun and Ajumma Joey at Plaza Singapura...... whew!!! so tired....okok...i going zzzzzz.........*snore*
Gift from the RICH Ajumma Josephine
Gift from my Pauline Ah Yee
Monday, August 20, 2007
*Waving* to Omma & Appa
Heehee....Today is Ji Eun meeting Omma and Appa Day!!! Our appointment is 215pm! Ji Eun saw omma and appa and quickly waved to the scaning machine but omma's womb is too small for Ji Eun to wave the hand so no choice..... I can only moved here and there to attract attention!!! Lucky my parents and gynae saw me moving alot! keke....
Gynae said Ji Eun good and healthy girl as I move alot and now engaged!!! So Ji Eun can come out anytime.... Gynae feel is next week..... so this week I still can enjoy inside omma's womb!!! Appa keep asking Ji Eun "Why no come out now??" ...... Ji Eun thinking "no way man..... come out early sure many people will pinch me!!! so I better enjoy 'swimming" inside omma's womb for this week for once"..... :P
Gynae said Ji Eun good and healthy girl as I move alot and now engaged!!! So Ji Eun can come out anytime.... Gynae feel is next week..... so this week I still can enjoy inside omma's womb!!! Appa keep asking Ji Eun "Why no come out now??" ...... Ji Eun thinking "no way man..... come out early sure many people will pinch me!!! so I better enjoy 'swimming" inside omma's womb for this week for once"..... :P
Sunday, August 19, 2007
Weekend is over liao... and i am still here! keke
yoyo!!! Saturday, popo went to watch "881" movies with Pauline Ah Yee....so left me and omma at home... as usual lah...omma sleep sleep sleep....... till appa back from work lor! lucky popo sayang ji eun, she bought roti prata for me as breakfast and prepared chee cheong fan for omma and ji eun as lunch.... keke.....
Lucky Aunt Christine invited omma to go and see see look look her new EC, then only omma only willing to go out.....else really have to stuck at home for the whole day! And omma suddenly have a craving for Haagen Daz ice cream.... and we went to Novena Square to have the Fondue set with Pauline Ah yee, Uncle Sam and popo....yummy.....
As for Sunday, Appa went to church lor (where else!!!) and then he went to watch "Transformer" with Uncle Sam.... as for Ji eun and Omma, we went to temple to pay respect to Omma's ah ma (Ji eun's great grandmother) together with Pauline ah yee, popo, gonggong, omma's 2nd gugu, and Xiaoling ah yee.....After praying, we went to peng peng ah yee's house and then went back home and SLEEP lor.....
hmm..... today i met up with 3 ah yee....... i think i really have alot of ah yee leh...... abit blur now..... keke.....
Lucky Aunt Christine invited omma to go and see see look look her new EC, then only omma only willing to go out.....else really have to stuck at home for the whole day! And omma suddenly have a craving for Haagen Daz ice cream.... and we went to Novena Square to have the Fondue set with Pauline Ah yee, Uncle Sam and popo....yummy.....
As for Sunday, Appa went to church lor (where else!!!) and then he went to watch "Transformer" with Uncle Sam.... as for Ji eun and Omma, we went to temple to pay respect to Omma's ah ma (Ji eun's great grandmother) together with Pauline ah yee, popo, gonggong, omma's 2nd gugu, and Xiaoling ah yee.....After praying, we went to peng peng ah yee's house and then went back home and SLEEP lor.....
hmm..... today i met up with 3 ah yee....... i think i really have alot of ah yee leh...... abit blur now..... keke.....
Friday, August 17, 2007
Mini Washing Machine specially for ME! :D
Thanks to Caltex promotion!!! Bcos omma and appa bought a mini washing machine specially for me!!! Cost only $9.90!! :P
Brand: Scense Mini Washing Machine for just S$9.90 (Retail price S$238)
Load is only 1kg!!! keke.... so when I come out, will poo-poo alot and no worry.... can dump my cloth nappy to this washing machine to wash with baby washing powder!!! Save water and electricity!!! ;P
And popo will not be so tired........ as omma impossible wash for ji eun as she is sooooo lazy! :S
Friday again....... :D
Whew!!! At last is friday again.....
you know? maybe recently Ji Eun is getting bigger in omma's womb...... everyday sure will people asking omma "wow!!! When are you going to give birth???".... aiyoyo....please please.... stop asking omma ok? bcos omma keep pestering Ji Eun asking for an ans..... the problem is i also dunno!!!
Omma is going to Wk38 stage.... so here is the advice from the babycentre website...
"Your due date is right around the corner and your baby's just waiting for the right time to be born. She's continuing to build a layer of fat, which will help her to control her body's temperature after birth and will put on more weight (boys tend to be slightly heavier than girls). Take it easy during the final week or so — this may be your last opportunity to relax. Instead of spending every available minute decorating the nursery or folding baby clothes, go out and see a film, read a book or take long naps. Don't forget to spend some quality time with your partner too — it will probably be your last chance to have an evening out together for a while."
So omma....... for you, taking a long naps is not a problem...as u sleep soooo much..... but i think you have to try to spend more time with Appa bcos when I come out....u sure very busy! keke...
Oh ya! yesterday Pauline Ah Yee bought Ji Eun some sweet clothing...... "IMO!!! KAMSAHAMNIDA!!!" Ji Eun love the clothes very much....... hope to see more presents soon! keke....
Wednesday, August 15, 2007
Omma.... really hard on you....
Today Omma really have a "challenging" day bcos her tummy contraction on and off since morning! :S..... and Ji Eun also getting more harder to move around in the womb as no much space left for me to play around!!! aarrgghh.......
Today Omma walking really like a Penguin..... a slow, fat penguin! keke...... she also have difficulties on standing up from her work place..... as tummy many cramp..... despite of these, she still die die want to go to work as she dun want to take ML to rest at home bcos home also nothing to do!!!
Now, she only looking forward for me to come out....well....I also dunno when hor.... :S
Today Omma walking really like a Penguin..... a slow, fat penguin! keke...... she also have difficulties on standing up from her work place..... as tummy many cramp..... despite of these, she still die die want to go to work as she dun want to take ML to rest at home bcos home also nothing to do!!!
Now, she only looking forward for me to come out....well....I also dunno when hor.... :S
Sunday, August 12, 2007
Lazy Omma or Active Ji Eun???
Yesterday (Saturady), Ajumma Jasmine sms omma asking wanna go to her new house "sit sit"....omma agreed instantly since nothing to do.... but Ajumma Jasmine house really far.... is at Punggol :S
We went to her house and it is a nice and cozy house and maybe bcos have the resort feeling, Ji Eun fall asleep in omma's womb as didnt move or kick....keke.... After going to Ajumma Jasmine's house, we went to Changi Airport to have "popoye" dinner!!! Yummy..... Then we try to walk around the viewing bay in T1, but abit hard for Omma to walk as i am thinking is bcos Omma lazy or wat..... but omma "complain" to Appa saying "your ji eun really getting heavier and my tummy really pain feeling so hard to walk to much liao"! wow....omma lazy and still blame Ji Eun! :S
Today, suppose planning to go shopping as is Sunday but cancel....y??? bcos omma said Ji Eun "noti" and feeling some contraction so really hard and tired to move around..... haiz..... Ji Eun's fault again???? I think Ji Eun will come out to "torture"omma soon..... when??? Ji Eun also dunno!!! ;P
Oh ya..... Pauline Ah Yee, Ji Eun really good girl bcos i didnt "come out" on 10/8/07 as per your strict instruction!!! So any present for Ji Eun??? *^^*
We went to her house and it is a nice and cozy house and maybe bcos have the resort feeling, Ji Eun fall asleep in omma's womb as didnt move or kick....keke.... After going to Ajumma Jasmine's house, we went to Changi Airport to have "popoye" dinner!!! Yummy..... Then we try to walk around the viewing bay in T1, but abit hard for Omma to walk as i am thinking is bcos Omma lazy or wat..... but omma "complain" to Appa saying "your ji eun really getting heavier and my tummy really pain feeling so hard to walk to much liao"! wow....omma lazy and still blame Ji Eun! :S
Today, suppose planning to go shopping as is Sunday but cancel....y??? bcos omma said Ji Eun "noti" and feeling some contraction so really hard and tired to move around..... haiz..... Ji Eun's fault again???? I think Ji Eun will come out to "torture"omma soon..... when??? Ji Eun also dunno!!! ;P
Oh ya..... Pauline Ah Yee, Ji Eun really good girl bcos i didnt "come out" on 10/8/07 as per your strict instruction!!! So any present for Ji Eun??? *^^*
Wednesday, August 8, 2007
Yuppee!! Our house is ready.....
Yuppee!!! Today omma took half day afternoon leave as people coming to our new house to install window blinds..... This is the last thing to settle for our house....... then after Ji Eun come out, we all will move to new house stay!!! keke......
Our Home Sweet Home :D
As Ji Eun still inside Omma's womb, so omma cannot see the installation of the window blinds but she checked the materials to make sure it is correct.... then popo took over and oversee the installation..... within 30mins, all done!!! As Appa is working so now Omma uploading photo to show Appa! Later nite time, Ji Eun will have pre-natal massage session....shiok!!! :D
Living Room Vertical Blinds (W/o Flash)
Living Room Vertical Blinds (Wtih Flash)
Bedroom Roman Blinds
Living Room Vertical Blinds (Wtih Flash)
Bedroom Roman Blinds
Our Home Sweet Home :D
Tuesday, August 7, 2007
Appa!!! Bogosipyo.......
일요일 저녁. 아빠는 월요일 아침에 대연 오빠를 깨우기 위해 새집에서 잠을 잤습니다.그래서 지은이는 다시 아빠가 보고싶었습니다.:S
대연오빠에게 화가 납니다......매번 아빠에게 스트레스를 줍니다....그러나 가끔은 대연오빠가 좋습니다. 지은이가 이세사에 나오고 나면 대연 오빠는 미니 홈페이지 그리고 한국말 단어를 가르쳐줄겁니다.!하하하....
왜냐면 아빠가 보고 싶습니다. 그래서 월요일 저녁.지은이는 장난으로 엄마 배가 아프게 만들었습니다. ! 엄마는 아빠에게 전화를 하지 않았습니다.(그시각 아빠는 새집에서 TV를 보고 있었습니다). 그러나 엄마는 배가 아픈걸 참지 못하고 아빠에게 전화를 했습니다.. 지은이는 아빠가 집에 빨리 오겠다는 목소리를 들었습니다.. 지은이가 조금 움직이면서 즉석에서 아픔을 만들었습니다....하하하...
바로 아빠가 집에 돌아왔습니다. 아빠는 지은이가 세상 밖으로 나오는줄 알고 걱정을 하셨습니다...그리고 당연히...지은이는 아빠가 집에서 엄마와 지은이 옆에 있게 만드는데 성공 했습니다.!!! 하하하...
보세요....내가 어떻게 똑똑한지...!!! :P
Sunday nite, appa went to new house sleep again bcos need to wake up cousin DY on Monday morning…..so Ji Eun miss appa again :S
Really angry on Cousin DY…. Everytime make Appa stress….. But at the sametime, I also like cousin DY, as I know he will adore Ji Eun when I come out…. He bought me a mini korea fan and korean learning poster when he was in Korea! Keke…..
Bcos I toooooo miss appa, so Monday nite, Ji Eun playfully pressed omma's gastric part and omma had a serious stomach pain! It was so pain that omma trying to bear and not to call appa (that time appa at new house watching tv). When come to the time that Omma cant bear anymore and called appa, upon ji eun heard appa's voice and knew he was coming back from new house, Ji Eun moved abit and the pain go off INSTANTLY! Keke…..
When appa reached home, he was so worried and thought Ji Eun is coming out…… and of course…. Ji Eun successfully make appa stay home and company me and omma!! Keke…..
You see….. How smart am I!!! ;P
대연오빠에게 화가 납니다......매번 아빠에게 스트레스를 줍니다....그러나 가끔은 대연오빠가 좋습니다. 지은이가 이세사에 나오고 나면 대연 오빠는 미니 홈페이지 그리고 한국말 단어를 가르쳐줄겁니다.!하하하....
왜냐면 아빠가 보고 싶습니다. 그래서 월요일 저녁.지은이는 장난으로 엄마 배가 아프게 만들었습니다. ! 엄마는 아빠에게 전화를 하지 않았습니다.(그시각 아빠는 새집에서 TV를 보고 있었습니다). 그러나 엄마는 배가 아픈걸 참지 못하고 아빠에게 전화를 했습니다.. 지은이는 아빠가 집에 빨리 오겠다는 목소리를 들었습니다.. 지은이가 조금 움직이면서 즉석에서 아픔을 만들었습니다....하하하...
바로 아빠가 집에 돌아왔습니다. 아빠는 지은이가 세상 밖으로 나오는줄 알고 걱정을 하셨습니다...그리고 당연히...지은이는 아빠가 집에서 엄마와 지은이 옆에 있게 만드는데 성공 했습니다.!!! 하하하...
보세요....내가 어떻게 똑똑한지...!!! :P
Sunday nite, appa went to new house sleep again bcos need to wake up cousin DY on Monday morning…..so Ji Eun miss appa again :S
Really angry on Cousin DY…. Everytime make Appa stress….. But at the sametime, I also like cousin DY, as I know he will adore Ji Eun when I come out…. He bought me a mini korea fan and korean learning poster when he was in Korea! Keke…..
Bcos I toooooo miss appa, so Monday nite, Ji Eun playfully pressed omma's gastric part and omma had a serious stomach pain! It was so pain that omma trying to bear and not to call appa (that time appa at new house watching tv). When come to the time that Omma cant bear anymore and called appa, upon ji eun heard appa's voice and knew he was coming back from new house, Ji Eun moved abit and the pain go off INSTANTLY! Keke…..
When appa reached home, he was so worried and thought Ji Eun is coming out…… and of course…. Ji Eun successfully make appa stay home and company me and omma!! Keke…..
You see….. How smart am I!!! ;P
Sunday, August 5, 2007
Fri, Sat & Sun
Anneong.... so fast that weekend is going over......
Friday -
Omma went home after work, then 8pm got massage..... really shiok!!!!
Ji Eun keep kicking when massage and massage jiejie told Ji Eun nicely be good girl ok??? She told Ji Eun when Ji Eun come out, she will baby massage for Ji Eun too!!! ;P
Saturday -
Appa working in the morning and after work, he drove omma and popo to Jurong Point walk walk....... they went to settle banking thingy and fast go home....bcos Jurong Point really very very crowded!!! Ji Eun dun like there as Ajumma and Ajussi there walking anyhow "bang" on omma and omma have to protect Ji Eun! :S Popo told omma that next time if Ji Eun grow up, also cant bring me here as so crowded.....dangerous...keke.....
Nite time, omma and appa went to Taka Ajitei for dinner..... appa really love the jap foods there.... omma only eat little but dunno y....omma stomachache for the whole nite....
hmm..... so ji eun didnt get to sleep in the nite time, as omma stomach really pain and yet cant take any medicine..... at the sametime, omma worried ji eun not feeling well....lucky ji eun good girl....I keep kicking omma telling her that I am ok :D
Sunday -
Omma very tired as didnt sleep well due to stomach pain..... till afternoon then only can sleep soundly to replenish energy!!! As for appa, he went to church in the morning and then went for golf. Till late evening, after having dinner at home, appa drove omma to Raffles Marina for walk walk!!! I love there...bcos air is fresh and scenery is really beautiful..... but as ji eun is inside omma's womb, omma walked very very slow and hectic..... however, omma still insist walking as exercise! Omma, ajaja fighting! keke.....
Friday -
Omma went home after work, then 8pm got massage..... really shiok!!!!
Ji Eun keep kicking when massage and massage jiejie told Ji Eun nicely be good girl ok??? She told Ji Eun when Ji Eun come out, she will baby massage for Ji Eun too!!! ;P
Saturday -
Appa working in the morning and after work, he drove omma and popo to Jurong Point walk walk....... they went to settle banking thingy and fast go home....bcos Jurong Point really very very crowded!!! Ji Eun dun like there as Ajumma and Ajussi there walking anyhow "bang" on omma and omma have to protect Ji Eun! :S Popo told omma that next time if Ji Eun grow up, also cant bring me here as so crowded.....dangerous...keke.....
Nite time, omma and appa went to Taka Ajitei for dinner..... appa really love the jap foods there.... omma only eat little but dunno y....omma stomachache for the whole nite....
hmm..... so ji eun didnt get to sleep in the nite time, as omma stomach really pain and yet cant take any medicine..... at the sametime, omma worried ji eun not feeling well....lucky ji eun good girl....I keep kicking omma telling her that I am ok :D
Sunday -
Omma very tired as didnt sleep well due to stomach pain..... till afternoon then only can sleep soundly to replenish energy!!! As for appa, he went to church in the morning and then went for golf. Till late evening, after having dinner at home, appa drove omma to Raffles Marina for walk walk!!! I love there...bcos air is fresh and scenery is really beautiful..... but as ji eun is inside omma's womb, omma walked very very slow and hectic..... however, omma still insist walking as exercise! Omma, ajaja fighting! keke.....
Friday, August 3, 2007
Insurance Planning For Ji Eun *^^*
Yoyoz......I think Omma really love Ji Eun Very much……
Recently, she is busy thinking and sourcing insurance for Ji Eun. Check here and there. And worst is she has tight budget.Keke.... So in conclusion, she has decided to buy.
1) ILP - Investment-linked Plan with 30-illness critical illness coverage and can serve as education plan……. (Using Cash monthly)
2) Medishield Plan - Either Prudential or Great Eastern (Using CPF Medisave)
3) Hospitalisation/Medical Insurance - Either Prudential or Great Eastern (Using Cash monthly or yearly)
4) Term Life Policy - which can be convertible (still sourcing)
Will buy for first few years and see how… :D
oh….for those who want to know more…. Can read the below article from TodayOnline…. Cheers!!!
http://www.todayonline.com/articles/172559.asp
Here's looking at your future needs, kid
Once considered an unnecessary expense, insurance for children is now gaining in popularity
Mira Kashinathmira@mediacorp.com.sg
Sometime back, many individuals would have baulked at the thought of buying insurance for children, claiming that it was an unnecessary expense on grounds that children do not have debts or dependants.
But as insurance products — and parents — get more sophisticated and the cost of living keeps creeping gradually upwards, many have come around to consider insurance as a good way to ensure there is some money set aside for future use.
One parent instinctively invested in a regular premium life insurance plan soon after her son was born because she felt it was the right thing to do.
"I didn't wait for the insurance agent to knock on my door, but bought a plan one day when I was at the bank," commented Ms Marian Ng, a marketing manager with a financial institution. Ms Ng, who is in her mid-30s, was driven by the need to have sufficient funds available for her son's future needs, particularly his education.
Insurers have come to recognise this need among parents, and many now offer plans that go beyond merely offering protection. The plan that Ms Ng invested in not only ensures that she sets aside a regular amount for her son's education in a disciplined manner, but also includes a potential upside through a link to investment funds.
Financial advisers confirm that insurance for children has gained in popularity, with many parents needing little persuasion to invest in one.
"Unless parents face affordability issues, child-related insurance is one of the popular services that we provide," said Mr Leong Sze Hian, president of the Society of Financial Service Professionals. He says many parents prefer investment-linked plans (ILPs), particularly lump-sum single premium investments, to build wealth for their children in the long term, as they are concerned about having insufficient cash to fund their child's tertiary education.
His views were echoed by Mr Peh Chee Keong, head of NTUC Income's Life Insurance Department, who noticed that among plans introduced specifically for children, ILPs were becoming increasingly popular.
"Such plans offer flexibility and allow a higher return on the savings, especially when invested for a long term, say for 10 years or more," he said.
Parents may feel the need to start planning for their child's education as early as possible due to funding needs calculated based on high inflation rates, added Mr Leong. On a projected inflation rate of 5 per cent, estimates indicate that a local undergraduate programme could cost about $46,929 and $54,326 in 18 and 21 years respectively. Faced with this scenario, starting later would only mean that parents would have to set aside a larger amount to achieve the required capital sum.
Mr Leong advises cash-strapped parents not to be swayed by such projections, and suggests using inflation rates of 3 per cent instead.
"Otherwise, they may be left with little surplus cash for other financial goals, like retirement planning. They should also go for an integrated investment planning approach, in that their entire investment portfolio could include education funding as well, instead of buying separate investment policies for each child," he advised.
While education seems to the motivating force for many parents to buy insurance plans, professionals on the other hand feel that medical insurance should be a more critical consideration, as hospitalisation costs for a child can be hefty. In fact, professionals say that it should be the first policy for parents to have, as injury or illness could strike anywhere and anytime.
Parents could include children into existing Medishield or approved private integrated plans, with premiums payable through Medisave, plus purchase a separate medical plan or rider to complement the areas not covered under the MediShield plan.
"As a minimum, I would recommend the CPF Shield Ward B plan, followed by a low premium renewable term insurance covering death, permanent total disability and critical illness," said Mr Leong.
Critical illness coverage, to cover medical expenses that might arise from child-related illness, such as rheumatic fever with valvular impairment, Kawasaki Disease, insulin dependent diabetes mellitus and leukaemia should also be considered.
Low on the priority list should be a whole life plan for the child. ."This is because the chances of a premature death, disability or one of the 30 covered critical illnesses affecting a child is rather low," said Mr Gilbert Koh, an independent financial adviser with First Principal Financial. "That is why the child's premium rises only marginally for the first 10 years. Buying a whole life plan for the child is, in essence, protecting your future grandchildren."
He feels it is still a good idea to get one, however, due to the cheaper premiums, but only if the child's medical and education needs have been addressed.
"The child is given a head start over peers, learning to save and invest earlier," said Mr Koh.
Parents with limited resources could consider level and convertible term, which is believed to be cheaper than a whole life plan. The plan can be converted to a whole life plan at later years without showing evidence of good health. Whole life plans that are payable only for a limited period, such as 10 or 20 years, after which the child can enjoy lifetime coverage without further premium payments, are another option.
However, there is one caveat for parents to bear in mind before even thinking about an insurance plan for their child.
"Parents have to ensure that they are adequately insured first, because the child's plan will only take effect when the child is either 18 or 21 years, depending on whether the child's a female or male," Ms Sara George, a financial planner, explained. "In the interim, should anything happen to the parent, there must have been adequate planning in place to ensure that the child has something to survive or even service the premiums."
Or as Mr Koh put it across, if you had a goose that laid golden eggs, which would you insure first: The goose or the egg?
With contribution from Manulife (Singapore) Pte Ltd.
Recently, she is busy thinking and sourcing insurance for Ji Eun. Check here and there. And worst is she has tight budget.Keke.... So in conclusion, she has decided to buy.
1) ILP - Investment-linked Plan with 30-illness critical illness coverage and can serve as education plan……. (Using Cash monthly)
2) Medishield Plan - Either Prudential or Great Eastern (Using CPF Medisave)
3) Hospitalisation/Medical Insurance - Either Prudential or Great Eastern (Using Cash monthly or yearly)
4) Term Life Policy - which can be convertible (still sourcing)
Will buy for first few years and see how… :D
oh….for those who want to know more…. Can read the below article from TodayOnline…. Cheers!!!
http://www.todayonline.com/articles/172559.asp
Here's looking at your future needs, kid
Once considered an unnecessary expense, insurance for children is now gaining in popularity
Mira Kashinathmira@mediacorp.com.sg
Sometime back, many individuals would have baulked at the thought of buying insurance for children, claiming that it was an unnecessary expense on grounds that children do not have debts or dependants.
But as insurance products — and parents — get more sophisticated and the cost of living keeps creeping gradually upwards, many have come around to consider insurance as a good way to ensure there is some money set aside for future use.
One parent instinctively invested in a regular premium life insurance plan soon after her son was born because she felt it was the right thing to do.
"I didn't wait for the insurance agent to knock on my door, but bought a plan one day when I was at the bank," commented Ms Marian Ng, a marketing manager with a financial institution. Ms Ng, who is in her mid-30s, was driven by the need to have sufficient funds available for her son's future needs, particularly his education.
Insurers have come to recognise this need among parents, and many now offer plans that go beyond merely offering protection. The plan that Ms Ng invested in not only ensures that she sets aside a regular amount for her son's education in a disciplined manner, but also includes a potential upside through a link to investment funds.
Financial advisers confirm that insurance for children has gained in popularity, with many parents needing little persuasion to invest in one.
"Unless parents face affordability issues, child-related insurance is one of the popular services that we provide," said Mr Leong Sze Hian, president of the Society of Financial Service Professionals. He says many parents prefer investment-linked plans (ILPs), particularly lump-sum single premium investments, to build wealth for their children in the long term, as they are concerned about having insufficient cash to fund their child's tertiary education.
His views were echoed by Mr Peh Chee Keong, head of NTUC Income's Life Insurance Department, who noticed that among plans introduced specifically for children, ILPs were becoming increasingly popular.
"Such plans offer flexibility and allow a higher return on the savings, especially when invested for a long term, say for 10 years or more," he said.
Parents may feel the need to start planning for their child's education as early as possible due to funding needs calculated based on high inflation rates, added Mr Leong. On a projected inflation rate of 5 per cent, estimates indicate that a local undergraduate programme could cost about $46,929 and $54,326 in 18 and 21 years respectively. Faced with this scenario, starting later would only mean that parents would have to set aside a larger amount to achieve the required capital sum.
Mr Leong advises cash-strapped parents not to be swayed by such projections, and suggests using inflation rates of 3 per cent instead.
"Otherwise, they may be left with little surplus cash for other financial goals, like retirement planning. They should also go for an integrated investment planning approach, in that their entire investment portfolio could include education funding as well, instead of buying separate investment policies for each child," he advised.
While education seems to the motivating force for many parents to buy insurance plans, professionals on the other hand feel that medical insurance should be a more critical consideration, as hospitalisation costs for a child can be hefty. In fact, professionals say that it should be the first policy for parents to have, as injury or illness could strike anywhere and anytime.
Parents could include children into existing Medishield or approved private integrated plans, with premiums payable through Medisave, plus purchase a separate medical plan or rider to complement the areas not covered under the MediShield plan.
"As a minimum, I would recommend the CPF Shield Ward B plan, followed by a low premium renewable term insurance covering death, permanent total disability and critical illness," said Mr Leong.
Critical illness coverage, to cover medical expenses that might arise from child-related illness, such as rheumatic fever with valvular impairment, Kawasaki Disease, insulin dependent diabetes mellitus and leukaemia should also be considered.
Low on the priority list should be a whole life plan for the child. ."This is because the chances of a premature death, disability or one of the 30 covered critical illnesses affecting a child is rather low," said Mr Gilbert Koh, an independent financial adviser with First Principal Financial. "That is why the child's premium rises only marginally for the first 10 years. Buying a whole life plan for the child is, in essence, protecting your future grandchildren."
He feels it is still a good idea to get one, however, due to the cheaper premiums, but only if the child's medical and education needs have been addressed.
"The child is given a head start over peers, learning to save and invest earlier," said Mr Koh.
Parents with limited resources could consider level and convertible term, which is believed to be cheaper than a whole life plan. The plan can be converted to a whole life plan at later years without showing evidence of good health. Whole life plans that are payable only for a limited period, such as 10 or 20 years, after which the child can enjoy lifetime coverage without further premium payments, are another option.
However, there is one caveat for parents to bear in mind before even thinking about an insurance plan for their child.
"Parents have to ensure that they are adequately insured first, because the child's plan will only take effect when the child is either 18 or 21 years, depending on whether the child's a female or male," Ms Sara George, a financial planner, explained. "In the interim, should anything happen to the parent, there must have been adequate planning in place to ensure that the child has something to survive or even service the premiums."
Or as Mr Koh put it across, if you had a goose that laid golden eggs, which would you insure first: The goose or the egg?
With contribution from Manulife (Singapore) Pte Ltd.
Wednesday, August 1, 2007
My Chinese name is 朴祉垠……….pronouce as Piao(2) Zhi(3) Ying (2)!!!
Realise some people thought my chinese is Zhi En or Zhi Gen!!!…..
Please please….. Although my korean name is Park Ji Eun, my chinese name is pronounce as Piao Zhi Ying….. It is such a sweet name….. But still prefer u all call me Ji Eun ahhhhhh ;P
Please please….. Although my korean name is Park Ji Eun, my chinese name is pronounce as Piao Zhi Ying….. It is such a sweet name….. But still prefer u all call me Ji Eun ahhhhhh ;P
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