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Friday, January 20, 2017

A Cautionary Tale for Kids

He is the eldest of 3 children. This family was blessed in that all 3 children were born highly intelligent and highly talented in music. Unfortunately, the eldest child detested the kind of diligent practice required to hone his talent. He did not like to play his piano pieces again and again, each time refining one part of his musical genius. As a result, his progress in music fell behind his younger siblings, who went on to perform at illustrious international venues, on top of getting good grades in school.

This child started with me in P3. Very early on, I identified that he was bursting at the seams with writing talent. Without trying, he was asked by his school to apply to the GEP Unit's Creative Arts Programme. His mother asked me to prepare him. I declined. He was already so uncooperative with regards to my PSLE syllabus that it was like pulling teeth. I could not imagine getting him to write with the joy and passion required for the CAP.

He had somehow got it into his head that work was undesirable. Being an intelligent boy, he bent his mind to subverting every one of his Mom's efforts to help him develop his writing talent. He stole the thumb drive wherein the model answers were stored and regularly copied from there. There was no outsmarting him. He bent his entire IQ to making sure that he did not have to do work the hard way.

Things came to a head 2 weeks ago. The last had become first and the first had become last. 2 of my weakest writers pulled ahead of him in early P6. It was demoralising. How do you get through to a boy who uses all his intelligence to destroy himself? I prayed and God provided an answer in the form of the Parable of the Talents.

For those who don't know, the word "talent" can mean "coin".

A rich man left on a long journey. Before he left, he called 3 servants to him. To the first servant, he gave 5 talents. To the second servant, he gave 2 talents. To the third servant, he gave 1 talent.

The first servant used the money and worked hard. He doubled his 5 talents to 10 talents. The second servant also used the money to good purpose and worked hard. He doubled his 2 talents to 4 talents. The last servant buried his single talent.

When the rich man came home from his travels, he called all 3 servants to accounting. To the first servant, he said, " Well done, good and faithful servant. You have been faithful in little. Now, I will give you more talents." To the second servant, he said, "Well done, good and faithful servant. You have been faithful in little. Now, I will give you more talents."

The 3rd servant came to him and said, "You are a hard taskmaster, strict and fierce. I was afraid of you so I buried your talent. Here, you can have it back now."

To the 3rd servant, he said, "You wicked and lazy fellow! You knew that I reap the results of others' hard work. You knew that I am a demanding task master, strict and fierce. You work for me and knowing all that I am strict and fierce, you dare to have done nothing with the talent I gave you? I will take back my talent and you will have nothing."

What most children don't realise is that God has a purpose for each one of us. From those of us who are given clear talents from the outset, God expects us to develop those talents and make them grow. To those of us who diligently do that, God will give more talents and more opportunities. From those who refuse to develop our talents, God will actually REMOVE the talents. God takes them away.

Intelligent kids do not STAY intelligent. This is the reason why many high potential students outperform the GEP students even though the GEP students were born with greatly enhanced mental capacity. Musical genius disappears! One is then good for nothing but picking out pop tunes on a home piano.

Children, if you take your talents for granted, God will take them away. You may be born intelligent but you will become stupid if you are too lazy to exercise your intelligence. You may be born musically talented but you will lose the gift if you are too lazy to exercise your gift.

This is the reason why Dr. Pet insists on working hard even though I don't have to. I am not greedy. I reckon that there is only so much money I can spend in a lifetime (especially since I don't buy branded goods nor do I have especially luxurious tastes). There are times when the spirit of laziness creeps up on me and I toy with the idea of completely retiring and spend my days reading, cooking and cycling.

My greatest fear is that God will take away my talents and one day, even if I want to work, I will not know how to do what I now do. I used to speak French fluently enough to do real-time bilingual interpretation work. I cannot do that anymore. I used to be able to remember every single date in the history textbook after reading it ONCE at the beginning of the year. I took my gift for granted and did not exercise it. I cannot do it anymore.

We are all given gifts and talents by God because God has in mind for each one of us, a life purpose. Some people's giftings are not obvious. Others' gifts look like handicaps. However, the singular truth about all our giftings and talents are that God expects us to exercise them and develop them so that we can achieve the purpose He set out for us. It may take a while for us to find the purpose God has for us but meanwhile, He still expects us to develop those giftings and talents.

Else, God will remove them from us. It has happened to me. It can happen to you.

Children think that their parents are hard task masters, strict and fierce. So, they decide to do the minimum possible to please this hard task master. Children, it is not your parents you must please, it is your own talents you need to protect.

Tuesday, January 10, 2017

Taken Over

I have blogged about our new helper, M, before HERE. It must really be a once in a lifetime lottery strike to get a helper like her. She is so conscientious that I have slowly been eased out of many tasks that I used to do.

Ok... maybe "eased out" are not exactly the right words. Perhaps, I should use the words, "muscled out" instead. I used to tend my plants, dispensing fertiliser and picking off worms. Soon, my helper would tell me, on the morning that I normally dispense fertiliser, that she had already done it at 6 am that morning. To compete with her, I would need to wake up at 5 am. So, I left it to her.

I then found that I couldn't even walk in my own garden without her hovering at my elbow telling me, "I have already done this. I have already done that."

When I bought a pressure cooker and was experimenting how to cook rice in it, she looked a bit anxious because she had been cooking rice in the thermal pot. She wondered if she had done such a bad job that I had had to take over the rice cooking. After 2 days of watching me cook rice in the pressure cooker, she told me, "I know how to cook rice. I cook rice today."

Yesterday, I wanted to make risotto. I went downstairs and said that I would cook rice instead. She looked at me funny and when I was making the risotto, she was hovering at my elbow... hovering... hovering... I almost felt that she experienced my rice cooking as a personal affront.

Frankly, I kind of felt that she did not want me in her kitchen.

This has never happened before. We have never had a helper of this calibre and character before. We have never had a helper that commanded so much of our respect by sheer weight of her character and intelligence. Her hovering at my elbow made me uncomfortable and I confided in my children my sense of unease. The children both said, "Mom, she is insecure. Like you, she is a perfectionist. She wants to do well and her measure of whether she is doing well is whether you leave it all to her or not."

So, after dinner, I had to have a heart to heart talk with this lovely lady on Google Translate. I explained that she is by far the best helper we have ever had in our lives. I explained that I cook because I enjoy cooking and that we all love her immensely. That made her ever so happy.

I REALLY love this helper. She is intelligent, good-natured and scrupulously honest. The only thing though is that I am afraid that my own skills will degenerate. What if I forget how to cook and garden? These skills need practice. If you stop cooking, you lose it. Gee... I don't want to become a spoiled tai-tai and if this helper takes over more and more of my tasks, that is what I am going to become!

Saturday, January 7, 2017

Beware! Unpleasant Experience at the Bank

I shan't say WHICH bank because I presume that this is a practice that cuts across ALL banks.

So, I went to a bank to get a Time Deposit account (also known as a Fixed Deposit account). From days of yore a fixed deposit account attracts higher interest rates than a normal savings account, for the simple reason that you commit to leave your money in the bank for a fixed period of time (without withdrawing it). This means that the bank can count on your money being available should it need the money to invest or to lend out.

The bank offered an FD (fixed deposit) interest rate of 1.5% interest per annum (fictitious interest rate). I requested to open an account. The banker was smooth enough at  first.

Banker: Do you need these funds after the FD term is over?

Me: Nope.

Banker: Might I interest you in another type of account that will give you 3% interest per annum instead?

Me: 3%? Nice! Tell me more! Is it an FD account?

Banker: No... it is a savings account. Let me explain to you. However, I need to ask you a few questions.

Me: (still naive and clueless) Oh! Ok!

Banker: What are your household expenses?

Me: I don't really know.

Banker: Do you save at least $2000/mth?

Me: I think so.

Banker: Oh good! Then, here is what I propose. How would you like to park your $XXX FD money into a different type of account and every month, you contribute a further $2000 to an XYZ Insurance's endowment plan linked to this account. This will give you an interest rate of 3%. The advantages are that you can withdraw your money any time... you earn a higher interest rate than an FD.

Endowment plan.

I waited for the gentleman whom I shall now call Wolf in Sheep's Clothing (WiSC) to detail the...
(1) guaranteed payout and the non-guaranteed payout Click HERE to understand guaranteed VS non-guaranteed.
(2) the maturity period (Click HERE to understand maturity period)

WiSC didn't. His sales pitch focused on (a) higher interest rate (b) can take out money anytime. Both facts were true BUT.... BUT... BUT...

Higher Interest
There is a reason for the higher interest rate. The endowment plan is a RISKIER proposition VS FD. The money you put in an endowment plan, is used by the insurance company to invest. You thus open yourself to investment risk. The guaranteed payout is less than the money you put in. The non-guaranteed payout depends on the skills and foresight of the investment fund manager. If he invests well, I get returns. Basically, someone else gets to experiment with my money whilst I bear the risks. I don't even know who that fund manager is. Why would I want to open myself to that risk?

Can Take Out Money Anytime
Of course, you can take out money anytime. You can take out money anytime from anywhere. After all, it is your money. From an FD account, I can also take out money anytime. Simply, I don't get the interest rate of 1.5%. I have to content myself with a much lower interest rate. However, I recover my entire principal sum.

In contrast, in an endowment plan, if I take out my money before maturity, I get much less money than I put in. I do NOT recover my entire principal sum.

Hard Sell
I nicely declined, after WiSC had repeated points (a) and (b) a few times. He wasn't giving me full information and he was wasting my time rehashing 2 points again and again. I tried to nicely brush him off.

Me: Hmmmm... I really prefer the FD. Could you please open my FD account for me?

WiSC: Hmmmm... why don't you hear me out before you open your FD account? You may decide you want to open the other type of account.

Me: **Still nice** Hmmmmm... why don't you open the FD account now? Then, give me the fine print to read. I am not good at internalising information through my ears. I can always come back and open another account. I suppose I can scrape together another $XXX for the new account.

WiSC: Why don't I open your FD account for you? It takes 15 minutes. In that time, my colleague can tailor an endowment plan to your NEEDS?

Wah! Now he was getting reinforcement. They were BOTH going to pressure me to buy an endowment plan. The running commentary through my head was, "I don't NEED an endowment plan. Endowment plans are for people with no self-discipline. Unless the insurance company hounds them for premiums, these people don't have the fibre to put the same amount of money in the bank every month. Basically, you give the insurance company a cut of your savings so that the insurance company can force you to save. Capisce?

Then this lady with a wide smile that looked like a wolf's snarl, sat down in front of me and opened her laptop. She started asking questions I was not prepared to answer. Salary. Savings.

Me: **Still trying to be nice... so I delivered it with a giggle (and my best little girl voice), and a wide smile that looked like a wolf's snarl** Heeheehee! I find it a bit irritating... heeheehee... that you guys are trying to hard sell me an endowment plan I don't want.  Hahaha! I am quite familiar with endowment plans. If you want, you can give me the payout table and I will explain it to you? Hee!

That got their attention! There was an uncomfortable silence for a bit before he said that he was going to proceed to open my FD account. At the end of that, he had to give me my temporary online banking ID. He wrote it on the same piece of paper where he had scribbled some points when explaining the "other type of account". I did not want to carry around a tiny slip of paper in case I would lose it. I asked for the full page.

WiSC REFUSED! He was afraid that I would take his incriminating written words and complain.

I am so disappointed. Banks were created on the basis of trust. That is why people put money in banks. Trust. The last thing I expected was a Sim Lim Square sales style from a bank. Tell the truth but hide some.

Sunday, January 1, 2017

Life With Adult Kids

I did not expect life with adult kids to be so sweet.

When my children reached their teens, I missed their baby selves ever so much. I ogled other people's babies to such an extent that The Daughter would whisper in my ear, "Stop it Mom! You are being creepy!" I spent a full decade bemoaning the "lost" years.

Lately, I realise that I have reached the 2nd sweet spot in my life with kids. I can now regress into the Baby of the Family role. The baby is now me.

My children worry about my health. They help me with chores. They handle for me tasks that I find stressful. When the kitchen drainage pipe got stuck, I became unreasonably worked up and unnecessarily miserable. My children took over. They liaised with the plumber, picked his brains and sorted out everything right down to a detailed written report on drain maintenance, I kid you not. It was a 2 page typewritten report, with photo illustrations.

When travelling in Croatia, The Daughter took over all the packing. It was she who knew where every item was and she who made sure all the glass bottles and fragile items were packed safely for travel in the suitcases. She searched online for eateries providing gluten free options and she took it upon herself to make clear to servers how important gluten free was to me.

One night, I worried about not having enough mineral water to see us through the night. Once I was tucked into bed, The Daughter placed a glass of water at my bedside saying, "This water is for you tonight, Mom."

When Grandpa collapsed at home and I was at my wits' end on how to get him from his bed to the car, The Son said, "Don't worry, Mom. I will handle it." Not only that, the children offered wise opinions when we discussed the long term management of Grandpa's healthcare. For 20 years now, The Husband and I have shouldered the bulk of the family burdens on top of having to carve out our careers. It feels so good to share some of these burdens with our grown children.

There are some minor adjustments to my relationship with my children, however. They tend to like telling me what to do now. Sometimes, it almost seems like they are my parents. At Plitvice Lakes, Croatia, we encountered a very friendly cat. It rubbed itself against my legs and made eyes at me. I bent down and scratched it behind the ears. The Daughter said, "Mom, you should not touch stray cats. They could have mange and then you will catch scabies from them."

Such a Mommy-like thing to say, don't you think?

On another occasion, I was tickled by a somewhat risqué video which I tried to show The Son. He made a disgusted face and gravely stated his disapproval of such smut.

Such a Daddy-like thing to say, don't you think?

I don't mind you know. I quite like my kids telling me what to do. The person who tells others what to do, shoulders the responsibilities that come with decision-making. I am just glad to have lighter responsibilities and I feel happy that my kids view me as their responsibility now. Make sure Mom eats safely. Make sure Mom doesn't get so stressed she cannot sleep. Make sure Mom doesn't fall into a ditch when we are hiking.

I used to have one best friend... The Husband. Now, it seems that I have 3. Us 4 best friends like hanging out. We linger at the dining table to chat and yesterday, I excused myself to go upstairs to rest after dinner... and before long, the children had crowded onto my bed to further carry on the conversation.

I am content. I may not do yearly trips to Paris, Tokyo and New York for shopping but I think peace in the family is an underrated luxury item on par with or surpassing the latest Chanel. Every word said in love and every service rendered to each other en famille is the harvest reaped from years of tending to the family and bearing the burdens for all of them. The children enjoy hanging out with us and that is such a rare privilege.

All those years when I thought I might break under the weight of The Husband's work stress and the children's school stress have paid off. Way back then, each would relieve their stress burdens with me. They would go back to their rooms lighter. I went back to mine somewhat more burdened. Those years are over.

Now, I am their burden. I hope I am light.