Quick Answers To Awkward CNY Reunion Questions

Whether you like it or not, you are bound to attend a Chinese New Year reunion or two. Family gatherings or reunion parties bring everyone together in one place. Its rare nature is the main reason why people held it to a high esteem. Conversations usually start with a political argument and are followed by stories from the olden days.

It is inevitable to experience unpleasant, sensitive, and awkward questions. How do you deal with these questions? With snappy responses, of course!

FASTER THAN THE SPEED OF LIGHT

Many experts believe that “Fight or Flight” are primitive responses that automatically kick in whenever necessary. Let the latter do its magic by politely excusing yourself from an unpleasant situation. You have every right to decline to questions that trigger discomfort. You do not have to feel guilty as your personal life is private. Close family and friends must respect that.

Politely tell the person that you either have somewhere to be or something to do. This person will more likely take the hint that they made you feel out of place.

DEFLECT AND REJECT

As I have previously mentioned, there are two primitive responses. You may tackle a subject swiftly by providing a short answer and changing the awkward topic. Providing a simple answer is ideal but, it can leave behind an intense silence. Fill that silence by changing the subject with a common ground. Take the following dialogue as an example.

Relative: “Are you having kids anytime soon? Your clock is ticking!”
You: “No! We are not having kids. Although, we are planning a trip to Bali. You have been there right?”

Lead the question back to the interviewer. Immediately ask him or her about work or domestic life.

INJECT A LITTLE HUMOR IN

Most people raise queries for two primary reasons: they genuinely care for your disposition or they genuinely want to squeeze out the gossip. Either way, you will feel the sincerity of a person off the bat. This means that you can easily crack a joke or say something odd when a nosy person asks uncomfortable questions.

Move the conversation forward by discussing your interests while injecting a little humor in. It is inevitable to be surrounded with friends or family members that what to disrupt you without the intention to help.

SHARING IS CARING

On the flip side, some people ask interesting questions out of pure kindness. It is inevitable to stumble upon some relatives that you rarely see. Take the initiative to disclose your life, if this is the case. You can steer the conversation in a direction you desire by taking control over it.

When they unknowingly step on sensitive subjects (e.g., asking about a boyfriend whom you just parted ways with or about a job you recently got fired for), you may humbly share your current situation.

PUT YOUR FOOT DOWN

Why do you think therapists need to create rapport in the first session of therapy? For starters, they need to break the walls created by the patient. People tend to be defensive when they are bombarded with uncomfortable questions. However, your defenses can make matters worse. An impolite query may turn into a full blown fight! You do not want this to happen.

In your most respectful and firm voice, tell the person how uncomfortable he or she is making you feel. You reserve the option to disengage in any form of conversations.

Image Credits: pixabay.com

Lifehacker alumn Adam Dachis, once suggested this script: “You may not be aware, but that question is making me uncomfortable. You’re entitled to ask, but maybe we can talk about a topic we can both enjoy.”

Sources: 1 &2

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Money Tips That Moms Will Surely Benefit From

Congratulations on becoming a dedicated mother! From now on, all you will do is smart mommy moves…

THE KITCHEN

For most mothers, they let their creativity shine through the dishes they cook. The magical recipes they prepare delight their family each day. Savvy mothers can take control of their food expenses by laying out a weekly meal plan. Make a grocery list consisting of items that you will need in the next seven days. Steer away from the temptation of impulse purchases by sticking with your grocery list. If your tummy is not that sensitive, you may cook your meals in advance and freeze for future consumption.

Another simple way to save money in the kitchen is by maximizing the available tools. For instance, you may cut your sponges in half. Let us be honest! Sponges can get disgusting in a snap. Some people opt to microwave their sponges to remove the crawling germs. On the other hand, others replace their sponges every week. Use half of a new sponge and save the other half for the next week. This allows you to save money despite the high replacement rate.

THE BATHROOM

A personal bathroom is a haven where you can temporarily rest or contemplate (on pressing matters). Bathroom supplies such as soap, tissues, and cotton balls seem to fly in thin air! Thus, the cost of these supplies add up. Stock up on bathroom supplies when these are on sale. Buying in bulk may eat up a significant portion of space but, the savings are worth it.

Another aspect of the bathroom is the medicine cabinet. When it comes to medicine, you must not shy away from the generics. Generic products are similar to the quality of the branded counterparts in many situations. Stretch your dollars’ worth by considering over-the-counter medicines (e.g., Vitamin C). You may even purchase generics for spices such as salt and sugar.

THE ENTERTAINMENT ROOM

The entertainment or living room is the ideal place to cultivate lasting memories. It is no secret that children put high regard on toys. Try making your own toys to save some cash. You are probably doubting that statement as you have limited time on your hands. However, you must not quit right away. Search through your cabinets to lift the available resources. As a preschool teacher, I suggest that you create a sensory bottle. Combine sand, beans, buttons, beads, and other small toys inside an empty bottle. Let your child shake it and spot each item. Go to Pinterest for more experimental ideas.

What do children value aside from toys? As sentimental as this may sound, children put highest value on quality time. Children crave for your undivided attention especially during their formative years. Strengthening your connection with your loved ones reduces the need to compensate through gifts. Show your love through presences and not with presents!

THE OFFICE

When it comes to your job, you can employ many strategies to work your way around. Make ends meet by embracing the “work-from-home” lifestyle. Raising your child is challenging when you have to keep a full-time job. Consider becoming a brand ambassador for companies such as Avon or Herbalife instead. Isn’t it nice to find a workplace within your play-space?

Secondly, you may become an entrepreneur by selling your stuff at Singapore’s mommy communities. I recommend the “New mums Singapore“. It is a Facebook group that lets you sell your baby-related items and join occasional mommy events. Here are just two ideas that you may get started with.

Image Credits: pixabay.com

Let me close this post by sharing profound wisdom from the best-selling author Farnoosh Torabi:

“Child care is expensive and it may seem like the only option you have is to quit working to become the full-time caretaker, but try to avoid staying out of the work force for more than a year. Continue to work when your children are young so that you can go on to earn the seniority that’s often necessary to call the shots and create a better work/life integration as your kids grow older and demand more of your time.”

Sources: 1, 2, & 3

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Declutter Your Space To Clear Your Mind

An interesting study published by the Princeton Neuroscience Institute highlighted that “having multiple visual stimuli present within range of one’s view will result in those stimuli competing for neural representation”. In simplest terms, you are likely to get distracted when you are working in a messy place.

Clearing your mind may not solely rely on your working environment but, it is a good start. Here are some tips to efficiently declutter your space:

IS YOUR TIME UP?

When you are faced with a task, you typically focus on the deadline. A deadline gives you a tangible quantity of time to complete your task. Apply the same ideal to your home.

How much time can you spare to organize your flat? Pick a space or a corner that you can realistically declutter within the given time frame. You do not want to end up with a larger mess than what you have started with!

MARK YOUR CALENDARS

Designate a specific day of the week as your “Cleaning Day”. My sister and I sets aside a portion of our weekends to cleaning the house. We drop either our Saturdays or Sundays to mop the floors, change the sheets, wipe the corners, and change the towels. This habit inspires us to continue a healthy routine throughout the coming week.

ADDING INSULT TO INJURY

By buying more items beyond your household needs, you are making a displeasing matter worse. Keep clutter into a minimum by tossing or by donating these things aside. Prevent impulse purchases by asking your trusted partner or friend for advise.

Image Credits: pixabay.com

WHAT INSPIRES YOU?

As I was about to sleep last night, I reflected upon my to-do list. I was determined to finish a single task to shorten the list. This made me adamant to organize my clothes before sleeping. Finding this glistening motivation helped me achieve the task. I was able to collate a donation pile too!

Find something or someone that will motivate you to clean your space. For instance, you may play your favorite songs or audiobooks while cleaning.

TAKE EVERYTHING OUT

Starting with a fresh slate helps you to rigorously declutter your space. You need to know what items or products you own by taking everything out. Last night, I discovered several clothing articles that I have owned since 2011. It is embarrassing to see how many holes some of these clothes have. Needless to say, most were transported to the donation pile.

Once everything is out in the open, you can wipe the shelves and dust the corners. It will be easier to determine what you want to toss and to keep too.

USING APPROPRIATE LABELS

Putting labels on everything is one of the reasons why I do not get lost at my boss’ office. Labels are utterly useful when multiple people utilize a common area.

You see, labelling your household storages allows your family to know where each item will go. They do not need to pull out random boxes (and make a mess) while searching for an item! You simply have to put chalkboard or paper labels throughout your space.

ARE YOU DRESSING THE PART?

Contrary to popular belief, professional cleaners do not stay updated with the latest cleaning gadgets found at the TV infomercials. Professional cleaners opt for comfortable clothes and sturdy shoes instead. You may also wear knee pads to spare your knees from potential bruises. Furthermore, you may protect your hands against harmful chemicals by wearing gloves.

Image Credits: pixabay.com

My mother’s sensitive skin is aided by all-natural solutions such as the Castile soap. Castile soap is a versatile product that you can use as a body wash, a laundry detergent, and a dish-washing liquid. Search the renowned “Dr. Bronner’s Organic Pure Castile Liquid Soap” to be educated about the hype.

Sources: 1,  2, & 3

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4 Steps To Overcome Family-Related Money Problems

The extent of your economic slowdown may vary from eating out less to changing your living conditions. Parents may not have enough money to put toward rent or school fees. These financial problems can take a toll on one’s mental and physical health. Thus, overcoming said hurdles is important.

To tackle these family-centered issues head-on, you must start with these four steps:

#1: DETERMINE THE ISSUE/S

It goes without saying that it is difficult to defeat the enemies that you cannot see. Try asking the ninjas! Similarly, how can you find solutions to a problem that you are not aware of?

Thus, the first step to overcoming family-related money problems is to identify the underlying issues. Financial problems are usually parts of a larger issue. Here are some common issues that you may think about:

a. Newborn (of first-time parents)
b. Unemployment
c. Addiction / Substance Abuse
d. Divorce

#2: OPEN THE COMMUNICATION STREAMS

As a child who sees his or her parents fighting constantly about money, talking about your worries can help. Find an appropriate time to discuss about the financial matters with your parents. If you cannot approach them right now, you may lean on a trusted friend or a credible counselor.

Image Credits: pixabay.com

Do not hesitate to seek for professional help if the need arises.

#3: RANK YOUR FINANCIAL PRIORITIES

After addressing your triggers, it is best to create a path towards active resolution. Begin by writing down and ranking your financial priorities. Some may be as direct as paying off your credit card bills. While, others may focus on your lifestyle goals such as repairing your aesthetically pleasing home.

Nevertheless, it is important to create a realistic budget suited to controlling your financial problems.

#4: CREATE A SAFETY NET

The future of your wealth is up to you! As the above steps have illustrated, you must review your current financial circumstance and create a straightforward path. To prevent further damage or cushion unforeseen events, consider cultivating an emergency fund.

Image Credits: pixabay.com

Families are recommended to have a sufficient amount worth at least 6 months of your income. Do not rely solely on credit cards for emergencies!

Sources: 1 &  2

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Protect Your Dream Home And The Contents You Value Most

Buying a home is often considered a big-ticket item purchase. It is also not uncommon to spend tens of thousands of dollars to renovate the house to bring it to the ideal living conditions. Having incurred such vast amounts of money on renovation and the purchase of new furniture, it is only prudent to protect them with comprehensive home contents insurance. A home contents insurance offers protection against physical loss of or damage to household contents and renovation.  Despite its importance, home contents insurance is often not purchased owing to common misconceptions about the coverage and the cost.

Dangerous Misconceptions

Majority of home owners believes that the basic fire insurance plans that they have purchased cover for everything. Add to the fact that they are often compulsory tends to lull home owners into a false sense of security. However, this cannot be further away from the truth. Basic fire insurance plans only cover for damage to the structure of the building. It is strictly a basic cover that does not insure home contents. In other words, the furniture, cost of renovation and personal belongings inside the homes are omitted.

Another common misconception amongst owners is to think that they will not suffer the misfortune of accidents happening to their homes. While a fire may not break out too often, burst water pipes or short circuiting of electrical appliances are actually not uncommon occurrences in a household. Although these typically only lead to localized damage in parts of the house, the cost needed to restore to the original state could turn out to be quite substantial. In trying to save the annual premiums on home contents insurance, such home owners could end up being penny wise and pound foolish.

The All-Encompassing GreatHome Distributed By OCBC Bank

To ensure that your cherished home gets the protection that it deserves, OCBC Bank is distributing the all-encompassing GreatHome insurance policy. GreatHome is a home contents insurance policy with an extensive coverage over renovation, home contents, personal liability, and personal accident. It complements fire insurance plans well since GreatHome covers the content and renovation while fire insurance plans cover the structure of the home. The personal legal liability clause covers for expenses or property damage caused by any of the household members, including live-in domestic helpers, up to a sum of S$750,000 under its Starter Plan.  Other helpful benefits include reimbursement for the cost of alternative accommodation when the insured property is undergoing repair. This reimbursement provides home-owners with a peace of mind during this trying period.

In addition, GreatHome is also competitively priced to provide great value for money. Home-owners get covered for their household contents and renovations for up to $75,000 from just S$128 for a 1-year Starter Plan. It gets even better as OCBC is promising home-owners mega savings with generous discounts on the premiums of GreatHome.

Discount On Premiums

OCBC is offering a discount on its premiums. From now till 31 December 2018, home-owners who apply for a GreatHome 1-year Starter Plan will receive $30 off the original S$128. The discounts get higher if home-owners elect for more comprehensive coverage for their cherished homes.

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As GreatHome has demonstrated, insuring the contents of your home costs very little and requires little effort with its auto-renewal option. It is a great complement to your existing home fire insurance to provide complete coverage for your cherished home. Visit www.ocbc.com/greathome to find out more!


GreatHome is underwritten by Great Eastern General Insurance Limited, a wholly-owned subsidiary of Great Eastern Holdings Limited and member of the OCBC Group. GreatHome is not a bank deposit or obligation of, or guaranteed by OCBC Bank.

Policy Owners’ Protection Scheme

This plan is protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact us or visit the General Insurance Association (GIA) or SDIC websites (www.gia.org.sg or www.sdic.org.sg).

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