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In Singapore, 1 in 3 of us have been diagnosed with cancer over the past 4 years. On average, approximately 37 Singaporean are diagnosed with cancer every day. There are over 64,000 cases of cancer occurrences from 2011 to 2015. The risk increases if you have relatives which have been previously diagnosed.
Why should you take up a Critical Illness policy?
Cancer treatments usually accumulate to a large sum of money. Where treatment may cost up to a whopping $1000 every session. This may take a toll of our hard earned savings.
With a critical illness plan, a lump sum amount will be paid out and can use that to pay for any diagnostics and treatment cost that is not part of hospitalisation plans (which only covers for your hospitalisation bills and not treatment).
Some might not be able to work and needs to recuperate at home. This lump sum pay-out can be used supplement for the loss of income one may experience. With this sum of money, it can cover everyday expenses and one can recover with a peace of mind without having to worry for
$0 payout is the best payout
An critical illness policy is not an investment. While some might say that a critical illness policy might not be worth it because of the higher premium rate and the low chance of a pay-out. However, remember that not receiving pay-out means that you are in the pink of health and that is a blessing.
Both higher standard of medical treatment available and the higher living standards has made us able to live longer. The risk of being diagnosed with a Critical Illness increases with a longer lifespan. Therefore, CI plans like mEase from Manulife one can stay ready and protected should a misfortunate.
What does a Critical Illness Policy include?
For more info on all 37 critical illness covered click here.
Here’s an estimated premium for a coverage pay out of $50,000 for individuals at 30 years old.
Be ready, protect your health. For more information, click here, fill up a form and a Manulife representative will be in touch with you shortly.
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Home sweet home. Office suite office. (See what we did there? *grins*) Well, to that we say ‘Coffee, glorious, coffee!’ Who doesn’t love coffee? We drink it everywhere – home, office or even home-offices for those of us lucky enough to work in one. Coffee does more than just its one job of getting us through an arduously long work day. It’s aromatic. It’s frothy. It’s nutty. There are just more dimensions to describe the taste of a regular cup of joe than to downplay it, by simply calling it hot, black, sweet, expensive, or bitter.
With rising affluence, the current generation of yuppies and millenials have increasingly become more drawn to drinking handcrafted coffees as compared to previous generations of Gen X and Baby Boomers. This trend has also been identified by news outlets, indicating a surging interest in coffee. A record attendance of 20, 000 visitors turned up for the inaugural Singapore Coffee Festival in 2016, and prior to that, The Straits Times reported that more coffee lovers are enjoying artisanal brews in the comfort of their own homes by purchasing home barista equipment to hone their amateur coffee-making skills. There was also another report on the emergence of start-ups and companies that offer monthly coffee subscription services where a variety of coffee products, ranging from packets of specialty coffee beans to drip coffee pouches, are delivered to coffee lovers and connoisseurs alike at regular intervals, enabling them to brew their own cuppa at home.
How do we achieve the perfect brew of cuppa at home each time?
Try as we might, the fact remains that making espresso in a home environment is nowhere close to one made in a commercial coffee house. Even the most seasoned and serious home baristas may find it an uphill task to replicate espresso of café-standard. The truth is, the water filtration systems in a home setting and those in a commercial environment are vastly different. And for the most part, home environments are not able to totally simulate or recreate a full café set-up due to space constraints. It also hardly makes sense to alter the pH level of your entire water supply at home just to cater for a top-notch coffee machine that will also set you back by at least a five-figure sum.
However, there’s no stopping you from setting up your own home barista space. If you do a little research, you can acquire the required tools and coffee-brewing equipment to set up your dedicated coffee corner – at a fraction of the price of a commercial coffee machine akin to those used in cafés outside. With knowledge and lots of practice, you will soon be on your way to brewing cups of goodness right at home.
Disclaimer: Don’t come at us if you end up nursing a coffee addiction after reading this listicle. We bear no responsibility for that.
Learn the steps of making coffee and know your equipment
Can’t differentiate your moka pot to your teflon jug? We’re here to help!
Step 1: Roasting | Equipment: Roasting machine
We don’t think regular HDB dwellings would have the space to contain a hugeass roaster at home for the sake of roasting coffee beans till they transform from green coffee beans to the aromatic brown beans that we see in stores and cafes. So, feel free to bypass this step! We recommend you take a look at the various coffee beans subscription delivery services or consider buying your beans from your favourite cafes or reputable coffee beans providers.
Step 2: Grind coffee beans | Equipment: Coffee grinder
You need to know what’s a coffee grinder. Its name is self-explanatory, so there you have it. It’s a piece of equipment used for the purpose of grinding your coffee beans into grounds. Before you grind the coffee beans, you will need to decide on your brewing method as how coarse or fine your coffee grounds are depends on the choice of your brewing method.
Step 3: Start Making your Coffee
There are several ways to brew your coffee depending on your selection of equipment.
#1: Drip Coffee Pot
#2: Moka pot
A moka pot, also known as a macchinetta (literally meaning ‘small machine’ in Italian), is a stove-top or electric coffee maker. It is capable of producing a rich, strong espresso-style coffee that is ready in just 10 minutes. How efficient! Good for rush hour mornings when we are in dire need of a caffeine fix before we scramble off to the work place.
#3: French press
As evident by its construction, a French press involves a lot of well, pressing, or plunging. It works best with coffee of a coarser grind due to its higher permeability, hence requiring lesser amount of force to lower the plunger. The coarser coffee grounds are less likely to seep through or around the perimeter of the press filter and into the coffee, thus resulting in a higher quality coffee.
Other benefits of owning a French press:
1) Option to make cold brew coffee
2) French press is portable, and self-contained.
Step 4: Steam milk | Tool used: Teflon jug
Other Tools You Might Want To Own To Up Your Game
- Thermometer: We recommend choosing a waterproof digital thermometer that is durable. This is needed for you to double-check the water temperature, ensuring precision.
- Kitchen weighing scale/Measuring cup: Measuring exact amounts of coffee grounds per cup is quintessential to getting the perfect brew. This also saves you money in the long run as you will not let any coffee grounds go to waste due to excess. And this will help guarantee repeatable results of quality cuppas as you have the exact measurements of the amounts of coffee beans, water used.
Nothing beats an uplifting cuppa that warms our heart and soul. Now that you know the various coffee brewing techniques and the tools of the trade, it’s time you start brewing your way to the top. ezbuy.sg has curated a selection of home barista equipment or machine bundle set to help you attain your dream of becoming the home barista you’ve always wanted to be.
This article was first published on ezbuy’s online shopping & lifestyle blog.
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During my summer internship at PolicyPal, I had the once-in-a-lifetime opportunity of travelling to Paris to speak at VivaTech 2017, a french-based technology conference.
I was surprised when I was given the opportunity to attend VivaTech 2017, a technology conference in Paris, France. I did not expect to travel for work during my three month summer internship, let alone speaking in front of a large crowd in France.
Fortunately, being a communications undergraduate meant that I had at least some public speaking experience. I was raring to go and I felt confident in taking on the assignment.
In six days, I broadened my horizon in many different ways. I’ll try to summarise my experiences in this article.
1. Representing PolicyPal at VivaTech
VivaTech 2017 is an annual technology conference held in Paris, France. Focusing on innovation and start-ups, it attracted technology giants like Google, Facebook and Alibaba. Some of its notable attendees this year include France’s newly elected President, Emmanuel Macron, and Alibaba’s CEO, Daniel Zhang.
The pitch session was definitely the highlight of my trip. As the sole presenter, I had to explain PolicyPal’s solution clearly and answer any potential questions from the floor. If that wasn’t intimidating enough, I had to do it in front of a crowd that probably has not heard a Singaporean speak before.
Many delegates that I’ve spoken to were deeply impressed by the OCR, or Optical Character Recognition, technology PolicyPal uses. Basically, this allows the user to digitise their insurance policies in under 30 seconds, simply by taking a snapshot of it.
Some even commented that PolicyPal has potential to become a leader in the global Insurtech industry. That made me really proud to be part of a Singaporean start-up.
One thing that I learned is that when talking to foreigners, it’s important to speak slowly and enunciate every word properly. It is different from communicating in Singapore, where you can speak fast, and still manage to get your point across.
2. Macron, Google and Facebook
Meeting France’s rockstar President, Emmanuel Macron, was the other highlight of my time at VivaTech. I admit that I was completely starstruck when we met.
He shook hands with me, probably because I was the only Asian in the sea of Europeans there. So yes, I must say that he’s quite a nice chap.
I also took time out to visit the Google and Facebook booths at the conference. With these two, you can always expect something spectacular (also tons of freebies).
3. Travelling for work
Travelling long distances is pretty taxing on your body. However, the sheer diversity of experiences made the long flight and jet lag all worth it.
Of course, I had to showcase how helpful PolicyPal is. Using the app, I purchased my travel insurance at the airport in under 3 minutes. It was instantly stored and reflected on the app after payment! ✨
4. Enjoying Paris and all it has to offer.
Besides work, I had plenty of time to explore around the city and be a Parisian for a few days. Personally, I think that the most impressive thing about France is its art, culture and history. The museums and monuments were definitely the biggest draw for me!
Museums are a must if you are travelling to Paris. Through paintings and sculptures, you can experience how artists in different eras interpret the world. It’s no wonder they say that art is a reflection of the times. [Travel Secret 1: Always get the museum audio guides. It provides context, which is essential to understanding and appreciating the artwork on display.]
Overall, I’d say that Paris is relatively safe and tourist-friendly. The city itself is pretty easy to navigate around once you get used to commuting in their public trains. [Travel Secret 2: Purchase a ‘carnet’ of tickets (set of 10), it’s much cheaper than if you buy them individually. Also, use the Paris Metro App if you intend to commute around via the metro!]
One thing that struck me was the passion the French felt for their work. This applies to not only the tech founders and executives, but also the everyday restaurant waiter and public transport operator. The pride they take in their work is really inspiring. It’s definitely something that I’ll strive do in my everyday life.
This trip ranks as one of the most unforgettable experiences that I’ve had in my life. My internship at PolicyPal has given me lots of opportunities to attend conferences and workshops (both local and overseas). I’m extremely thankful to my bosses for having the trust and confidence in me. My time at PolicyPal has been enriching so far – and there’s still more than a month left to go! I’m glad that I made the decision to do an internship here.
If you want to find out more about PolicyPal or are interested in collaborating with us, please feel free to drop me an email via firstname.lastname@example.org. I’ll be glad to have a chat. ?
[Download the PolicyPal App here and start organising your insurance policies today!]
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