SimplyJesMe

Hi guys, I am back! Thankful to all who is still here after so many years. For those who contacted me and I did not reply, forgive me, I did not check my email at all. My time was still spent building my business at SnackFirst but with my kids more grown up, 5 and 7 years old now, it seems like I have some free time to blog. Yay! To parents who have younger kids, there is really light at the end of the tunnel, so hang in there! What better post to start than my thoughts on entrepreneurship. It has been 6 years since I started this journey and no regrets so far.  Facing the unknown

I wrote a post previously that I was still with HDB loan because of the peace of mind and lesser cash upfront needed when I purchased my house. Now with the all-time low interest rates, I have decided to cave and change to a bank loan. Now is the time when we have 20 years lowest interest rate, I would be a fool not to consider it. Currently, I could get 1.45 to 1.5% for my home loan from various banks. The best part of all, is that DBS has a 5 years fixed interest rate. That's incredible!  Considering I only have 21 years left, 5 years is like 25% of the loan and I happily signed on with it. A lot of you may have the same considerations as me - What if interest rates go up and higher than HDB interest rate of 2.6%?  The last time it went anywhere near in the recent 20 years was in 2001, and the highest was 2%. My solution is to repay a lump sum if the interest rate go much higher.  A lot of us do not know that you can actually pay the bank loan early without the 1.5% pe...

Right now, if you have not heard of Shopee, you are definitely losing out. With huge marketing budget and a clean, fuss-free online platform, it is no wonder that Shopee is the fastest growing platform, not just in Singapore, but also the whole of South East Asia.

We are not wired to be parents. When we were born, we were looked after by our family. When our parents took care of us, it was easy to enjoy life and be selfish about own needs. My parents were the traditional type, they said we could only date after 18 years old. Dating is rarely a successful deal at the first try and many of us go through a few relationships in order to find someone suitable and settle down. That took a few years for most of us.

I blogged previously stating how 30 to 40 years old is a period of  'Not enough time'. Yet I find so many becoming a hamster on a wheel, whereby you allow non consequential people and circumstances to dictate your schedule. If you cannot manage your time well, it's difficult to feel happiness.

Success? What exactly is success? I used to think that to be successful is to be rich and not have to work at all. To be a 'tai tai' was like an ideal dream and that defines the pinnacle of success. Now that I am in my 30s, success is not so straight forward anymore.