The Clovers

Ladies of various personality traits yet peculiarly similar, one may discover the interesting facts of each individual over time.

Shevy

Always stay positive as i believe Things Happen For A Good Reason. Cheers!

Wendy

Life is short, live your dream and wear your passion!

Tara

The dreams you dare to dream, really do come true

SF

When life's tough, remember you are T.O.U.G.H.E.R

Monday, 21 October 2013

星期一,把长发剪短。 换个发型,换个心情。


星期日。。。



星期一。。。




Cheers!     by Shevy

@ MacRitchie Reservoir Park

First time running at MacRitchie Reservoir Park. Managed to finish 11km :) Yeah~







Cheers!     by Shevy

Tuesday, 8 October 2013

Food Charity Drive

It has been some time since my last charity work due to busy schedules. I got a chance to do this charity through my friend, they have been distributing necessities to the needys & elderly island wide for 10 over years.
And this time, it's their first time collaborating with another organization so I decided to help out too. 
When we got there, we went to the wrong block as another organization is also distributing necessities to the lower income group. Nevertheless, we still manage to get to the right place. 
After reaching, we transferred all the plastic bags from the car to the void deck while the organization admin make their preparation. There's a total of 7 cars to deliver these bags over. 


They had prepared almost 100 bags of necessities for the needys. Their usual practice will be house visiting to communicate with them to see if they need any other further help. However, because of the partnership with the organization, we will be distributing at block void deck. 


While the admins are preparing the documentation & paper work, crowds are slowing moving in, waiting for their names to be called to collect the food rations. 



Knowing there will be a lot of elderly, my friend prepared 100 bottles of ointment which he made himself. He bought the snow lotus(雪莲) that grows in the mountain at about 4 to 5000 metres in Tibet. As taught by the Tibet master, he came back and soak with rice wine & "tian qi" for a year. The ointment helps people with rheumatism & arthritis, joint pain. My mum & many aunties had tried & feedbacks are all good. 


The whole event took almost 5 hours to finish. Although it had been a tiring day, but it's definitely meaningful & worth to help other people who are in need. 


Living in Singapore is so much fortunate than in other countries. I had travelled to a few countries & had seen people who lived in slumpy houses, homeless, children playing with rubbish and much more. 

Due to the inflation & increasing medical cost, the lower income group are not able to sustain their existing expenses. 
While we still have the ability, we should contribute back to the society & help the rest. 

After the event, I'm so motivated to organize charity work myself. As my time is flexible, I'll be coming up with a few events to help out the needys which I'll share in the blog. 
If you are keen or interested, you may drop us an email to notify us. 
:)

By, 
Wendy


Monday, 7 October 2013

Hey there! I just got the Real Camera-Phone. Yeappi!


I just shared about the True Marketplace- PasarBella with you yesterday. And I'm now going to share with you the Real Camera-Phone, Samsung Galaxy S4 Zoom! :)

My phones got snatched about 2 months ago in Ho Chi Minh City (well, no typo here. I'm talking about 2 phones) ... :( Since then I was using the iPhone 3 while taking my own sweet time to hunt for new phone(s).

I was in a dilemma whether to get an iPhone again (I was using iPhone 4 previously) or should I get a Samsung's phone (another lost phone is Samsung Note 1). And if I'm getting Samsung, which model is good... ? 

As mentioned in earlier post, too many choices aren't a good thing to Shevy. She prefers True or False Questions than Multiple Choice Questions ever since she has 'grown up'... Maybe I should share why Shevy hates Multiple Choice Question in the future post...

Well, I decided to do some 'human based' research so I asked around for comments & feedback. Still, I didn't manage to make a conclusion out of it, as you know every brands have their Die-Hard fans telling you their favourite brand is the best... -.-"' I decided to just hang on with the old iPhone 3 and wait for the 'Mr. Right' to come. LoL! I meant the right phone here...

And finally... just the last weekend, Samsung Galaxy Mega 6.3 catch my eyes with it HUGE screen. I didn't rush into purchase, and did what usually a singaporean do- surf before you buy! While reading on the reviews and specs, I found Samsung Galaxy S4 ZOOM. It just look like any other smartphone from the front, but it looks like a digital camera at the back. The camera specs- 16MP & 10x optical zoom can compete a digital camera in the market.

What?! A-REAL CAMERA-PHONE?! Immediately, my 'aunty' mentality told me how good it is to get 2 things at 1 price! =) Soon, I made my decision between two phones with considering the functionality of the phones, suitability of my needs & lifestyle, and of course the price tag. S4 Zoom is my choice :) 

Just right after finishing up my work in the office yesterday, I ran down to Suntec City HiTech Mobile to grab the S4 Zoom @ $630 (the best bargain I could find). I was happy about getting a new phone, I was also worried about the tedious process of transferring content from Apple to Samsung products... 

Luckily I found Samsung Smart Switch tool online and it made my life became so much easy. The whole process completed with just few clicks :) Oh yeah! Talking about Samsung Smart Switch tool, there're quite a numbers of similar software offered by 3rd party company in the market. However Samsung chose to have their own tools/solutions for it consumers. Hmm... I think Samsung is rather aggressive and 'gear up' to bite the Apple! :P

It is 3.22am now, I'm still exploring my new phone :) I think I should go to bed now. Good night~ :)

Cheers!   by Shevy


Sunday, 6 October 2013

The True Marketplace- PasarBella


If you were just like me haven't visited The Grandstand (former Turf Club in Bukit Timah) for sometimes, then you should! The run-down grandstand now comes back alive with more than 20 food and beverage outlets, some would really surprise you :)

I went The Grandstand last week as my friend asked me along to check out PasarBella. I thought PasarBella is new flee market for good bargain because of its name so I said 'Yes!' without a second thought :)

While on the way to The Grandstand my friend was keep talking about what to have for dinner but not anything about flea market. Then I only found out from him PasarBella is a restaurant having the similar concept of Marche. My excitement has dropped to Zero immediately as I never like Marche. 

Well, believing in 'things happen for a good reason', we never aborted the plan to visit 'PasarBella'. 

We were scratching head once stepped into PasarBella. There wasn't any signage to say 'Please wait to be seated', neither any service staff to guide us on table seating, nor distributing cards to use for food order. What we saw is stalls selling fresh produce, wine and... NONE of them selling 'cooked' food to fill our empty stomach.

However, we decided to explore further as we were attracted by the concept of this 'restaurant'. Every steps further, we see more and more interesting stalls selling food and specialty... Hmm... We realised this is not a restaurant but a Marketplace. The 1st True-Marketplace on the red dot. And soon I fall in love with it...

Having too many choices aren't a good thing for greedy Shevy :P After going rounds and rounds I finally decided to have my new love- Roast Pork Belly from Roast & Host by Keith & Kin. Allow me to say this word- 'Wa Seh!' It's Amazingly delicious!! Superb & thumbs up! :) Another thumbs up is the fresh oyster at Oceans of Seafood. Its best quality & freshness made me recall my catch up session with a long friend last year in Melbourne. She brought me to a marketplace have cheap and fresh oyster... Oops! I nearly finish all oyster on the plate and forgetting my poor friend was still hunting more food for me with empty stomach :P

As I was rushing for a last minute appointment with my client, I didn't manage to enjoy more food. Well, I will definitely go back to PasarBella very soon! :)

Cheers! ~By Shevy

P/S: Boys & Girls, you must check it out! *wink* :) http://www.pasarbella.com/

 

 





Saturday, 5 October 2013

Sketching

I've stop sketching for many years..
And I could never sketch my own portrait, but this time I made it.
It could be a signal to tell me that I've finally jump over my mental obstacle.

Let go of what holding you back, and dare to move forward..
Yes You can do it!

Love,
Tara

Thursday, 26 September 2013

Why should you consider getting a private integrated shield plan?

An encouragement by company to us to help more people :)


What is private integrated shield plan?

A Shield plan is designed to cover major/catastrophic events related to Hospitalisation & Surgery (H&S). It is not meant to cover minor ailments and visits to General Practitioners.
CPF Board operates the CPF Medishield, which covers up to 80% of your H&S bills at subsidised wards in restructured hospitals.
The private Integrated Shield Plans run by private insurers are designed for coverage for hospitalisation in A & B1 wards in Restructured Hospitals and private hospitals. You may 
still choose to stay in a subsidised ward if you have a private Shield plan.

Figure 1: Compares some key details between Medishield and private Shield plans.



Intended CoverageFeaturesPayment ModeCo - Payment Riders/ Add Ons 

CPF Medishield
Restructured hospital B2 ward & belowHas a Sub LimitCPFCo- Insurance
Deductible
 No
Private Shield Plan (Also known as Integrated Shield Plan)Up to private hospital (depending on choice of plan)As ChargedCPF + cashCo-Insurance
Deductible
 Yes


Below are some of the Q&As related to shield plan and integrated shield plan.

I have basic Medishield from the CPF Board. Do I need an integrated Shield plan ?

Yes. I strongly believe that everyone living in Singapore should purchase an integrated 
Shield plan (if you can afford the premiums). CPF Board administers Medishield, which 
is only basic medical insurance. An integrated shield plan is designed to complement it 
and works to cover major hospitalisation events as our government recognizes that the 
basic Medishield may not be sufficient to meet a person’s medical needs.
Both private Shield plans and CPF Medishield plans impose a deductible and 
co-insurance. The newer private Shield plans work on an “As Charged” basis when 
compared to CPF Medishield, which has sub-limits.
Also, the integrated Shield plans cover the insured's entire lifetime while CPF Medishield 
only provides coverage until the age of 90.

How does the private shield plan work ?

When you purchase a private Shield plan, it actually sits on top of your basic Medishield.
That simply means that you are extending the hospitalisation coverage. Think of 
Medishield as an umbrella. Now when you buy a private Shield plan, you are upgrading 
to a bigger umbrella. When riders are added on, it gets even bigger.

What is the difference between an integrated Shield plan and other H&S plans?

Other H&S plans in the market are payable by cash only. These include your employer's Group H&S plans and comprehensive health plans. Typically, outpatient treatment, eg, 
visit to your general practitioner, is covered as well.
In terms of premium, the integrated Shield plans are very competitive due to the large 
pool of insured (as compared to cash H&S plans).  Please refer to the following link for 
more information:http://www.moh.gov.sg/mohcorp/hcfinancing.aspx?id=342

What is a Letter of Guarantee and how does it work?

When you are hospitalised, you need to place a deposit with the medical institution 
before treatment even begins. This usually comes from your Medisave account or cash. However, major private insurers offer a Letter of Guarantee (LOG), which obtain a 
waiver of the upfront cash deposit required by the hospital.

I am already covered with an earlier integrated Shield plan. Should I upgrade the plan to the newer enhanced plans with “As Charged” features?

Yes. Medical cost is rising. The older plans have sub-limits. And in general, there are limitations like a lower annual limit and lower lifetime limit. With the new enhanced plans 
in place, you have peace of mind that the bulk of your medical bills will be covered.

Original Article from HealthXchange SG