Everytime whenever i MIA-ed for a while on my blog , friends will ask me anything happened or busy making babies ah ?

Nah…. we are “out” this cycle so have to try again lor.

Next cycle , i will try to take it easy…to be honest , people who are trying to conceive or had conceived will know the most stressful and fustrating part is not waiting for ovulation…but the 2 weeks after ovulation date. Because before ovulation , you are doing something in hope of a positive outcome…but after ovulation date, there is a 2 weeks wait (Luteal phase) which is the 2 weeks before your period come. During these 2 weeks , you can only wait and do nothing. Doing nothing and hoping your period don’t come and you still start doing crazy symptoms spotting. To be honest , i thought we could have made it this month because i had no PMS symptoms. I always have breast soreness , pre-menses cramps and migrane 10 days before my period and it will end when period starts. But this time , there was nothing…then who knows the day after i came back from Bintan on 7th July …period come liao.


Both of us were disappointed. Super disappointed.

I was feeling very stressed and i broke down for a mere 5 minutes. Feeling cranky then suddenly menses came. This time , i tried not to be too stress about everything around me..my work ..people…housework etc. Some friends asked if i had medical checks done. Well , everything checked. All fine and healthy. No abnormalities. Gynae says ovaries, uterus , eggs and everything looks healthy and nice. I think i am abit kiasu..cos i did checks even before we started trying. we are only in our 3rd or 4th cycle try. Usually people only go for checks after 1 year. But because of our age (im 31 and he is 33) , i decided to go for medical check first.

After i blogged about the previous post (chemical pregnancy), i received many emails and instagram messages from readers who also experienced the same thing , experiencing the same thing or also at the same stage as me ( trying to conceive ). It is comforting to know that i am not facing these challenges alone and for people who are going through the same thing to give me encouragements and sugggestions. So i want to say THANK YOU for all your kindness and encouragements. It is very sweet of all of you. And i am also blessed to have understanding clients who gave me encouragements and positivity not only at about trying to conceive but also towards my work. Because i do alot of family planning (husband and wives + their kids + their extended family ), the women are all married. So some are going through the same thing or have went through before. It is nice to have people to talk to over a coffee and they are able to relate to your situation.

BTW, i just unlocked my instag to public lol. I privated the instag for 2 years already and don’t really accept new followers. I am slightly more active there now.




Not sure if you all heard of the Korean skincare method called 7-SKIN.

I bet you have heard about triple cleansing (Make up remover -> Oil cleanser -> Foam cleanser ). This 3 steps already took up about 5-10 mins of my bath time. So now…is 7-Skin.

I received alot of enquiries on that for the past few months but i kept forgetting to blog about this lol. I heard of it last year in October when i was in Korea for my wedding. The Korean makeup artist told me about it. So i started trying it since then.

So what is 7-Skin ? 

“Skin” is Korea’s name for toners.

7-skin means layering 7 layers of toners before you continue with the other steps. By layering with 7 layers of toners , it is supposed to boost and optimized the hydration level in your skin. Your skin will “drink up” and “absorb” the toners more effectively. It will give you a glowy and hydrated skin look.

So how do you do it ?
Well , after cleansing your face , you apply the first layer of toner. Then wait for 3-5 minutes for it to be absorbed before you apply another layer and you repeat this 7 times !

Then after which , you can continue with your usual routine of applying essence , serums , emulsions and moisturizer.

To be honest , having 7 toners is very expensive and applying 7 layers is really time consuming. It took me about almost an hour to finish the whole skincare routine from toner to moisturizer when i tried this 7-skin method.

So i reduced to 3-Skin instead. I find 3 Skin still acceptable and less time consuming. The effect also there.
So what products did i apply ?

Because i am applying 3 layers , i chose and start with the more “watery” texture toners first.
I bought this Hatomugi Skin Conditioner from Taipei. The texture is quite watery and not very thick. It absorbs very easily so i used it as the first layer. This toner is supposed to help with hydration.

2nd layer is the Rene-cell peptide toner . It supposed to help with firming of skin. This texture is watery and easily absorbed.

I reviewed this HERE before.


3rd layer is slightly less “watery” in texture compared to the first 2 layers. The Aquabolic toner from HERA.
Long time readers of mine knows that i am a BIG BIG FAN of HERA. Their products never failed me.

Their BB Cushion also the BEST !


Yup , so this is my 3 SKIN method. I reduced from 7 to 3 because 7 is toooo time consuming and i don’t see myself buying 7 toners. I rather use good toners. Some people asked if you can repeat the toners ? As in just 1 toner but apply 7 times ? This also can work and it is just whether you have the patience or not.

So very easy , just start with the most light weighted toner first and the more heavy one last.

I do this 3-skin step everyday ! Perhaps you can try it too.




It’s been another hectic week of work…this post was in draft mode for a week already.

Busy but fulfiling…met different people with different life inspiring stories and experiences and different problems.

Last weekend was spent cooking at Pamela’s house ! She is in the KBS (Korean boyfriend and spouse) group chat and she just moved into the same place ! But different block. So weekend evening was spent cooking Ddak Bokkeum Tang (Korean spicy chicken stew) and Bossam (Braised Pork) at her new place because her kitchen is bigger !


I blogged the recipe for Korean Spicy Chicken Stew before over HERE.

But i think i have not blogged about Bossam yet.

Cooking Bossam is very easy. You can do it concurrently with the chicken stew to save time.

How to cook Bossam (Korean braised Pork Belly) ?

This one is super easy ! You can do it ANYTIME.

More delicious and healthy to cook at home. Cheaper also. Because a plate of Bossam cost about SGD45 in restaurants along Telok Ayer and Tanjong Pagar and the serving is less than the one we cooked.

We bought 2 strips ( above picture portion ) for only SGD18 from supermarket which is more than enough for 4pax.

You need to buy thick juicy pork belly…not the ones used for BBQ.

This one is really DAMN THICK.

You can buy from the fresh meat section in Fairprice. It is about $0.89 per 100g.

I usually buy about 1kg. 1 strip can feed 2 pax. But my Mister eats alot..so i always buy 2 strips.

Wash the pork clean and dry

Boil  a pot of water and add in the ingredients below together with the pork belly into the pot of boiling water.

Cut 1 whole onion into quarters

12 cloves of peeled garlic

3 table spoon of coffee powder

12 slices of ginger

3 table spoon of Korean bean paste

Boil the ingredients together with the pork belly for about an hour.

Take it out and cut into slices.

Garnish with sesame seeds

Tadahhh the pork belly is done !

Now is the sauce and kimchi.

Well , it tastes better with oyster kimchi but i don’t know how to make oyster kimchi so i just used normal kimchi.

Add abit of Ssamjjang and kimchi on top of the pork and wrap the pork belly with lettuce leaf . You are ready to pop this goodness ㅑ into your mouth ! So yummy !

Pamela and i took about 2 hours to prepare the dishes whereas the guys were in the living room playing game , drinking beer and talking. Quite typical in a Korean family setting. Lol. The women are always in the kitchen. But of cos , the guys cleared table after the meal.

It’s been 8 months since we got married. We will be celebrating our 1 year anni in 4 months !
We got married in SG on 11th Sept 2016 and 8th Oct 2016 in Korea!

But we should be celebrating on 8th Oct this year because we will be in Korea for 2 weeks for Chu Seok (mid autumn).

Mr Shin wanted me to wear a modern hanbok for Chu Seok instead of wearing the traditional one.

But modern hanboks are so expensive leh !

Im thinking of this set :



Or this lace top with the embossed skirt.


Both are nice leh .. still deciding..got 3 more months to decide lol

Chu Seok means maybe have to give out “angbao” liao. I need to get the hanbok designed envelopes. They look better than the white envelopes. Koreans don’t give red packets. They give in the form of white envelopes.

So on my ROM day in Singapore , his Korean friends attended our ROM and they all gave us white envelopes and have their names written so big on the cover. So my relatives were abit shocked. My ah ma also asked me why lol..she got a culture shock. Because chinese only give white envelopes with $$ during funeral.

I think i talked about my marriage life before. But now that we were married for almost 8 months.

Somethings changed and somethings don’t. What changes did changed for the better. But overall , our marriage life is very happy. Of cos , we also have those trivial squabbles..just nag and forget lor..like me not happy that my hub left all the dirty dishes in the sink and wash only later or next day or wait for me to wash. Im that kind who eat already must wash immediately. And he don’t like that i don’t close the tooth paste tab or leave traces of tooth pastes in the sink after my morning wash.

Married for 8 months already and many people have been asking me these questions :

” So how ?? Planning for kids ? “

“When are you having a baby ?”

“Why still don’t have yet ? “

“Trying for baby already ?”

Hear so many times until sian and lazy to answer.

We just started trying in March actually. Trying for a baby is a tiring thing to do. Married couples and mummies/daddies will understand.

Me and my friends or clients will have this “adult talk” about having kids , successful conception , what to do and what not to do etc. We are all adults and going through the same phase. So it is good to have people to talk to about the same topic.

It is really not easy..we missed the first month because of wrong timing.

My period became irregular due to stress and irregular working and meal hours. So for me , i really have to monitor my ovulation timing. I bought the clear blue digital ovulation test kit and test everyday.

Then…at the 2nd cycle, we got a superrrrr faint positive line on the pregnancy test kit. My period late and its been 3 weeks after my ovulation date. My heart was pounding and very excited about it. Doctor told us to test again few days later. So i tested again few days later and suddenly saw a negative. Shocked and worried , i went to see my doctor and only to realized i had a chemical pregnancy. And my period came 2 days after my doctor visit and it is those kind of clotty period. And also that month in April , i had high fever more than 38 degrees TWICE and once was 39.2 degrees.

What is a chemical pregnancy ?

A chemical pregnancy is a term used to describe a very early miscarriage. It usually occurs before the fifth week of gestation, or less than a week after your first missed period and positive pregnancy test.

My hubs and i were disappointed. So now , we have to keep track and monitor incase i get pregnant. And i am taking the BLACKMORES Conceive Well Gold multi-vitamins.

Trying for a baby is not easy.

Being pregnant is not easy.

And being a mother is also not easy.

So those who are going through these 3 stages…let’s JIAYOU and stay POSITIVE together !

If you have friends who are going through the stages above, do try to be more sensitive. Some couples really tried very hard to conceive but things just don’t happen. They are already disappointed and sad. So be more encouraging instead of just asking why . Because sometimes , we just don’t know the reason why even though both people are healthy. It could be due to stress and other factors. Some people are already stress about trying to conceive. So try not to stress them even more by asking them why still don’t have yet. If you really want to ask, be more empathetic.


Back to happy things !

I am waiting for these 2 to arrive !

Always wanted to order these 2 but i have not used up my bb cushion yet. Finally , i am left with the last refill pack and it is time to get new ones ! So i decided to buy these 2 .


Lirikos Marine Collagen Cushion 

It is a new brand under Amore Pacific. Always wanted to try their serum and cushions but can only do so in June.


Hera Black Cushion

I shall do a review in July after i used the cushions.


It is mid year and time to shop for stuff because everyone is having discount and having promotions !

And got so many stuff from taobao (clothes, floats, bags etc etc) for less than SGD 150 in total !


Reviews of some of my Japanese beauty and make up buys !
There are sooo many products to choose from in Japanese drugstores. I can really spend 2 hours there combing every single row of shelves. So i went to check Naver.com (Korean’s version of google) to search for some of the MUST BUY make up or skin care items.

COW Brand Mutenka Non-Additive Face Wash Foam 

One thing i like about this wash foam is that it is not drying because it contains ceramides. I uses this foam cleanser in the morning to wash off the overnight sleeping mask.



Bifesta Cleansing Water

I really love Japanese make up remover. To be honest , i haven’t been impressed by any Korean make up removers at the moment except the gel ones from Nature Republic. Maybe the Japanese puts on thicker make up and their cleansers are more “powerful” ?

I have been using BIORE Jelly Make Up Remover since 2007 ! Everytime i go JB , i will buy alot back from their Watsons because it is sooo much cheaper in JB.

And i only started Biore Cleansing Water since 2015.  So this time , i decided to try Bifesta.


No space for bottles of Biore Jelly Make Up Remover in my luggage so i bought the refill packs instead. It is lighter and easier to pack.


Honeyce Hair Treatment.

Alot of Korean beauty websites recommended this MUST BUY item when you visit the Japanese drugstores. So i decided to buy 1 bottle and 1 refill pack. I have not opened it yet and should be using it next week after finishing my current hair treatment.

It is supposedly good for those with frizzy and dry hair.



My favourite Japanese make up brand – Cezanne. Sadly it is not available in Singapore.

I got to know about this brand when i visited Taiwan last year. I bought the lipsticks and eye shadows from the Watsons store in Ximending. I am currently using number 207 and just bought a new colour 206. I love this brand’s lipstick because it is very moisturizing and cheap (580 yen). I find it better than Canmake. Canmake colours are more cherry but Cezanne’s colours are more feminine. You can find this in Taiwan too.


I like their girly packaging ! So prettyyy !


Coffret D’or Smile Up Cheek Blusher in No 4

The packaging and rose shape is too pretty and i “bu she de” to use it !




One thing i don’t like about the packaging is that it is super bulky !


But the colours are nice. Shall review further after using it this week !



Cezanne Eye Shadow.

I prefer Cezanne’s eyeshadow because they are less shimmery as compared to Canmake’s

It is slightly matte.

Colour are sooo pretty ! I think the pigments are similar to Korean brand eye shadows because they are pretty natural and you need to layer alot ot make it more obvious.



That is all bout J-beauty. I bought some masks and skincare and shall review in separate posts because i have yet to start using them !


Now it is K-beauty !

I used up my bb cushions pretty fast ..about 1 cushion every 1 or 1.5 months. While i was looking into my BB cushion box where i keep stock my supply , i found this Leaders Insolution BB cushion. My MIL bought for me last October.

It is the Leaders InSolution Water Potent BB Cushion.

True to its name , it is really water potent. It gives a dewy finish and doesn’t require alot of touch up. The coverage is just nice. Not too sheer and not too thick. I realized that moisturizing cushions tend to have sheer coverage but this one fits in perfect. I am so IN LOVE WITH THIS !

Leaders Insolution is a Korean Cosmetic-Medical Brand made & tested by dermatologists of Leaders Dermatology Clinic which is comprised of Seoul National University Alumni.


If you are heading to Korea, this is a must buy !

Honesi Exofila Moisturizing Facial Cream.

Honesi products are soo popular. I love this facial cream because it really moisturizes my face very well !


They have 2 kinds of cream. 1 is slightly thicker and more oily and 1 is the one i am using below which is the gel version.

I am using the gel version.


The gel cream is now my holy grail.

I got the one below from a Korean beauty product distributor in Singapore and give it to my client who just got into an accident few months back and there are some abrasions on his face and hands. This one is slightly thicker in texture.

This cream was sold out in Korea within 2 weeks after its release.It is formulated to enhance skin regeneration to effectively improve acne scar and remove freckles. You can use it to improve scars too.

It is also another cosmetic medical brand popular in Korea. Reviews are all positive for their creams !

These 2 new K-beauty buys are the MUST TRY ! I am definitely stocking up on Honesi facial cream !
I am keen to try VANT 365’s cushion some day !



Kyoto and Osaka, Japan

Hihi ! Im back !

So much things happened , done and places travelled to for the past 3.5 weeks !

I went for my company’s qualifying convention in Osaka in mid of May. So Oppa and i decided to go to Kyoto and Osaka for holiday a week before the 3 days convention starts. It was a good timing too and we can celebrate my 31st birthday too !

It was my first time to Japan. I was abit taken back because everything is SO EXPENSIVE. The make ups, food and transport. We didn’t exchange much Japanese Yen though because i don’t intend to shop except for buying my usual stuff from the Japanese drugstores, Uniqlo and Gu. Japanese are so polite especially those in Kyoto. I LOVE KYOTO ! Definitely will go back there next time. The hotel we stayed at is Mitsui Garden Hotel Kyoto (Shijo Branch). There is free unlimited onsen for hotel guests. It is at city centre and what i like about it is that there is a 24hours supermarket right opposite so we can shop for food and snacks easily to bring back to SG. The hotel staff are super polite and the hotel rooms are soo clean. The location is also perfect and convenient. Righ at city centre. Easy to shop and walk back.

We searched for travel blogs in Naver (Korean’s version of google). So we decided to follow their itinery and their itinery for GOOD FOOD and WHAT TO BUY !

Mr Shin is used to Korean style of travelling. That is to get out at 9am daily and back only after midnight. And throughout the day, just follow the travel blog on where to go , how to go and what to eat. So those places we went to eat especially…has alot of Koreans and servers who can speak Korean to serve the Korean crowds. Hence language is not a barrier for us.

To be the honest , the food places we went to is THUMBS UP! I introed to my colleagues during the convention and heard the guys went back to have the beef bowl ( which i will blog about later ).

I have 2000 over pictures taken over 10 days. I will just post my favourite places of interest and food only ! Ehhh…i actually forgot where we go and what is the place called. But if you want to know , you can email me at peonykissblog@gmail.com


Spotted Geishas at Gion Old Street.

My birthday at a Japanese dessert cafe in Nishiki Fish Market.

Free parfait on your birthday ! We cannot read Jap but agar agar from the Chinese characters , we guessed that it means free parfait on your birthday. Just show your id or passport to prove.


Supper…we bought sushi and sashimi at a discount from Takashimaya food basement. All stuff goes on 50-70% discount from 7pm onwards. Be prepared to start waiting at 630pm for the staff to paste the discount stickers. Because everyone will snatch them like sharks. That’s all we managed to grab.

My birthday dinner at a local sushi restaurant.



Famous Rikuro Ojisan Cheesecake. The jiggly cheesecake you saw going viral on facebook or youtube.


Our favourite restaurant and skirt steak bowl in Dotonburi. Cheap and good. Super popular among the Koreans. The entire queue was filled with Koreans.

Only 790 yen.

This post has too many pictures and it kinda slowed down my scrolling and typing. Shall publish the Japanese and Korean beauty reviews , Smart Lady post and something personal to share separately. Still drafting halfway for the beauty buys.

#Kbeauty Time !

This is one product i strongly recommend to you. I realized my skin became better and quite good. Even hubby also agreed.

The only “constant” product i have been using religiously everyday is this one liao ! I switch between Renecell and Hera’s toner+emulsion but this is one thing i apply EVERY NIGHT before i go to bed.

Doctorcos – Snow White Water Glow Mask

One bottle cost about KRW 19,000 if i remember correctly.  My Korean housemate recommended this to me and i instantly fell in love with it. It works like the Laneige water sleeping pack but this one has alot of functions (whitening+pore tightening+hydrating). I downloaded the Korean home shopping app. So one day i was watching the live TV on my phone on the way to work and saw this on promo. So i immediately screen shot it and asked my MIL for help to buy and she passed it to me when we met in Taiwan in March for holiday. 1 box of 4 bottles + 4 tubes. I used finish 1 now and it took me 1.5 months to use up 1 tub.

I really like this one alot. It is not greasy and because i bought the set , they gave me a free brush ( the brush for mask ) so that i can use it to apply on my face instead of digging my fingers into the tub.

Some people asked me : “Won’t you stain your pillows when you sleep ?”

Well , i apply sleeping masks at least 1-2 hours before bed time. This is so that there is some time for the mask to absorb into the skin. Of cos abit of it will be “transferred” to my pillow case but it doesn’t really matter to me.

This sleeping mask makes my skin looks more radiant and dewy. Also i can see my skin become abit fairer also. This one is going to my holy grail !

You can find this in Gmarket but im not sure if there are sellers who ship them to SG. I cannot find this in Olive and Young too. So you may want to check online if you want to buy. This is a popular brand and apparently sold millions of bottles. The brand have different types of masks and creams but this is the best seller.

Im going to my 2nd tub liao !

I am also trying a new moisturiser. Will review after i used it for at least 2 weeks.


Shucks , i had fever, sore throat and flu again last week 😦 Just recovered like 2 weeks plus ago ? And now again…

I did alot of portfolio reviews and resolving shortfalls lately..so my appointments took quite long like 2-3 hours.  Talk non-stop alot…Plus the weather is very hot…so i had a bad throat infection which lead to fever.

It’s been almost 3 months since i last blogged about #Smartlady. Coincidentally , some of my clients are readers of my blog ! I didn’t know that ! SG is too small. My clients referred them to me because their friends were looking to enhance their insurance and savings/investment portfolio. They mentioned that they enjoyed reading Smart Lady posts. They didn’t know it is me when their friends gave them my number too until they saw my whatsapp picture. So they requested that i blog more on Smartlady because it helps them to look at things in another perspective. I didn’t know that #smartlady posts have such an impact on some of you because i just blog from my work experiences and also cases i encountered recently. But im glad that it helps and thank you all for reading this humble space of mine. I will try to update more. Maybe once a week ?

Well ,the last time i blogged about #Smartlady was in Jan ? After that i was quite busy with alot of work and portfolios. Such that i have alot that i want to share but i cannot find the time to draft it down here. I haven’t been updating here often because i kept falling sick and have alot of backlogs and meetings to fulfil when i get back to work after my MCs.

Just a few days ago , i was preparing a Death Claim document…it hit me that i should blog about #Smartlady. Will do a #Smartlady on savings next !

Well for the last 3 months , i have worked alot of portfolios for women (age between 22-35). Some are working , some are stay-at-home-mum and some are still schooling in university. My female clients prefer a female adviser because they find female advisers comfortable to talk and confide to especially when you talk about child birth , husband problems or female body parts.

From my clients whom i spoke to and from what they told me about their friends , most of them don’t really depend on their husbands to take care of their financial portfolios (insurance/savings/investments). Some are even attending workshops or classes to learn more about finance and trading so they can make passive income.  Even some stay at home mums are doing saving plans bit by bit with the allowance they were given. Because they are not working , they have to make their money work for them instead of saving in a bank.

Recently i spoke to a lady with a medical issue. She is 28 and asked me to take a look at her portfolio and advice on her shortfall. So we started from the basic..which is insurance before we look into her endowments and investments. So i took a look at her portfoilo. There are 1 term insurance, 2 endowments and 1 accident policy. She has no critical illness coverage. And with her current medical issue , it can lead to something serious if relapsed. That is why she is relooking into her portfolio. She told me that her friends “strongly recommend” her to BUY TERM and INVEST THE REST.  The reason is because Term plans are cheap. No doubt Term plans are cheap (death term plan). Her dad’s friend who was an agent recommended a whole life insurance. But due to peer pressure, she followed her friend’s advice to go for death term insurance. So now she has a medical problem , she was afraid that it will worsen and want to add critical illness coverage which she lack of. But she knows with her condition now , it is very hard to get it fully covered. She is only 28. Still young and has a long way to go.

She told me her advice to young people is  “Do what you think is good and right for you. Do not follow others blindly… you can ask for suggestions and opinions but just don’t follow blindly. Go seek professional advices. “

When she told her friend about her medical issue, that friend just ‘disappeared’ and may have blocked her from whatsapp. She doesn’t blame her friend because it is her decision to follow her friend’s advice. But she was just disappointed that her friend “disappear” on her just like that.

Besides knowing what you want and what you need, you must also know WHAT YOU HAVE.

I got a call to process a death claim from someone close i know. A family member just passed away and the whole family doesnt know what he has. When a person pass away, his/her family will be busy mourning, grieving and settle all the funeral matters. After the funeral , the hospital bills , debts,  loans or letters will start coming in which the family has to settle. And that is when everyone will be checking on the insurances or endowments policies etc the deceased bought when he was alive. Hoping there are claims that can be made to help to ease the financial burden.

Sometimes the deceased’s family members doesn’t know what he/she has and they have to end up going to every single company to check. It takes alot of time and energy especially when you are still grieving. Yes, whatever is in the bank account of the deceased belongs to the family. but all the loans , medical bills etc will all also go to the family members who are still living.

So it is good that you keep your files and documents properly. Let your family members know what you have and make the documents easy to find. Because sometimes in the case of emergency or when you need $$ for medical bills , these documents can help you alot. Insurance companies will not know if you are diagnosed with illness or death or not unless you submit the claims with your supporting documents. So maybe you can submit a claim but you forgot or don’t know if you have or not and ended up not claiming. There are also deadlines to submit some claims.

Imagine you are in coma or unconcious, nobody will know what you have. You may be healthy and active now but you won’t know what will happen in the next 20/30/40/50 years later. Anything can happen to anyone. The youngest one i know was a 22 year old with brain tumour. His headache persisted for quite while and only when his vision turned blur then he go for check and realized there was a tumour.

It is also important to know WHAT YOU HAVE.

I had done reviews for some clients’ old portfolio. Some mistook their endowments for life insurance which they can claim when they are down with criticaill illness and some have accident plans that can claim for sports injuries but they were not aware that they can claim. Only after i explained then they realized that. I guess the reason is because their advisers never meet up to review often or for years so all were forgotten. Some thought their life insurance covers criticail illnesses but there was not and it covers only death. Some had late stage critical illness but no early stage. Most young students or working adults have insurances which their parents bought when they were young but most i met only covered for death and whereas some have coverage of about $35,000 only which is not sufficient.

So know what you have , how much you have and what they are for is important.

Maybe some of you don’t find it a need to look at these things now.
But trust me, with people around me facing financial difficulties because of illnesses or death , clients whom i did the claims for and people whom i have spoke to with medical illness , don’t wait until things to happen then look into these things. Because it will be too late. Especially when it comes to insurance which has sensitive medical underwriting.

For the last 2 months , i have been doing alot of reviews and resolving the shortfalls for my clients’s insurance and savings portfolio. So all these are based on my experiences.

If after reading this post and you realized you don’t know what you have and what they are for ? It is time to dig them out.


Some of my close friends asked me how come i have so much free time and energy to cook ?

My reply to them was :

You think is i am so free and bo eng meh ?

Seriously , being a Financial adviser doesn’t mean i am very free and very nua. I have my fix working hours. I start my day at 930am and all the way till it ends at 10pm on some days. On good days, i will end about 6 or 7pm.

Thought my hubs is pretty health conscious and he eats alot and looking at the way he eat when we eat out, it looks super unhealthy. He can drink and finish the entire pot of steamboat soup. So i try to cook at home as much as possible. I am quite sensitive to MSG so too much msg can give me a very bad migraine for several days. Yes it is that serious.

So how did i manage to cook even though i end my day at 7pm on good days ?

Well , i made the sauce in advance. And i always have packets of pork , chicken , onions and garlic at home on standby. I try to avoid frozen meat but sometimes really bo bian…esp on weekdays where i don’t know what time my day will end. Only on weekends i will go to the supermarket or wet market to buy fresh meat to cook for the day.

I will sort them into many small plastic bags. 1 bag for 1 meal. So i do not need to thaw everything and just use how much i need.

So, how to make the sauce ? What sauce is it ?
Well , if you go to Korean restaurants often , you will see the dish Dak-bokk-eum-tang (닭볶음탕).  It is a spicy chicken stew dish (Chicken + potatoes + carr0ts).  Well , i pre-made the sauce and it can be cooked with anything ! Lean meat, chicken, baby octopus etc etc. The sauce is super easy to make.

If you were to order this from Korean restaurants , it will cost between SGD 45- SGD 65 depending on the size. But if you were to cook it at home , it will cost you less than SGD 10.

So how to make the sauce ?

1.  2 to 3 table spoons of Korean Red Chilli Paste

2. 1.5 table spoon of Korean Red Chilli Flakes

3. 1 table spoon of Korean soya sauce

4. 1 table spoon of minced garlic

Just mixed all the above in a bowl !

I made enough to fill up a small bottle so that when i get home , i just need to throw the meat and use a spoon to scoop sauce instead. My hub doesn’t know how to cook so it is easy for him also. Sometimes if i know i will be back home late the next day , i will season the sauce and the meat together and put them in a plastic bag. So my hubby can just throw it into the pot and let it stew… that’s it.

Dak-bokk-eum-tang (닭볶음탕)

Btw, this is not the final. I just added in the potatoes so still looks very soupy. The sauce will be slightly sticky after that.

This is super easy to cook. A Korean friend of mine who works at a Korean restaurant gave me the recipe. My MIL’s recipe too cheem and i cannot find some stuff in SG…so i shall stick to my friend’s.

How to cook Dak-bokk-eum-tang (닭볶음탕)

You need chopped chicken parts (i like wings and my hubs like drumsticks so i bought only these 2) , 1 green chilli, 2 potatoes chopped into pieces, 1 onion cut into slices, 1 carrot chopped into pieces and the sauce i mentioned above.

Heat the pan with oil.

Add the sauce (ingredients mentioned above) into the pan and let it sizzle.  If you are like me who doesn’t like too “meaty” taste, you can add a few ginger slices.

Once the sauce sizzles and heat up , add in the chicken parts and mix with the sauce together.

Once the chicken parts turned slightly golden brown , add a cup of water to boil.

You can choose to add boiling water or make your own Korean stock with kelps and anchovies. I prefer to add the korean stock ( kelps+anchovies) instead.

After the water boiled , add in onions and let it stew and boil for about 30 minutes.

After 30minutes , add in the potatoes and 1 chopped green chilli and stew it for the next 30-40 minutes.

Sprinkle roasted sesame seeds for dressing and ready to be served !