Happy 1st birthday to Carene, you are a toddler now :)
Night time we went Bishan la-kopi again. Melcolm was very bad tempered nowadays, will scream and yell at the things he wants. Timid but yet hot tempered, wat can i say.
Sunday meet up with my insurance agent at home, she had prepared some plans for us to consider for Melcolm. Had wanted to just listen what she prepared but in the end we really bought something from her. Hubby said he pay hehe. Didnt buy anything expensive, just savings plan for Melcolm which will also insured him with critical illness, TPD etc. What's good about this plan is you only need to pay for the 1st 12yrs although this is a 20yrs plan and there's a guaranteed return plus non-guaranteed returns at the end of the 20yrs. You can take out the $$ anytime after 12yrs but of cos, if you wait until 20yrs, the returns will be better. However, the coverage is not so high as this is more of a savings plan rather. Hubby say maybe we can buy another plan separately at a later part.
Ok, pics & video time :)
*Carene's 1st bday cake & agar agar jelly
*pretty Chloe
*Melcolm in action again !
*trapped and dono how to get out !
*Do they look like couple who had just quarrelled?
*Melcolm with Chloe mama
*Finally a few shots with bday gal
*the goodie bag items
*at coffeebean
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