3 Dental Procedures & Its Average Costs In Singapore

As you virtually stream your favorite show, do you ever wonder how much it costs to get a shiny Hollywood smile? While dental treatments can cost you a significant amount of money, combining expensive dental procedures will poke a hole in your wallet.

Four of the most expensive dental procedures include cosmetic dental procedures (e.g., porcelain veneers and Invisalign braces), dental implants, oral surgery (e.g., wisdom tooth removal), and dental crowns. Let us look at the average costs of dental implants, wisdom tooth removal, and dental crowns in Singapore.

#1: DENTAL IMPLANTS

Dental implants are metal fixtures that are surgically fastened to your jawbone below the gums, onto which artificial teeth can be mounted. Dental implants replace damaged or missing teeth with artificial teeth that look and function similarly to the real ones.

The average costs of dental implants (i.e., non-subsidized fees) in public institutions are:

National University Hospital
S$4,675
Changi General Hospital
S$5,500-S$5,700
Khoo Teck Puat Hospital
S$3,800

The average costs of dental implants (i.e., non-subsidized fees) in private clinics are:

Glittz Smile Dental Surgery
S$4,500
Implantdontics Cosmetic & Implant Dentistry
S$2,140
Burlinson Dental Surgery
S$2,000

#2: WISDOM TOOTH REMOVAL

Wisdom tooth removal is a surgical procedure done to remove one or more wisdom teeth. Wisdom teeth are permanent adult teeth, which are located at the back corners of your mouth. The problem with wisdom tooth is that it can ruin the alignment of your teeth. As they grow, they push against your existing teeth and cause a misalignment. Wisdom teeth can also grow underneath your existing teeth or inside your gums, which can be painful. The more complex the procedure is, the more costly it gets.

The average costs of wisdom tooth removal in public institutions are:

Changi General Hospital
S$998
Jurong Medical Centre
S$600
Khoo Teck Puat Hospital
S$815

The average costs of wisdom tooth removal in private clinics are:

LQ Dental Pte Ltd
S$1,070 – S$2,140
Coast Dental
S$608 – S$942
Scotts Dental Centre
S$600

#3: DENTAL CROWNS

Dental crown is a type of dental restoration that completely caps a dental implant or a tooth. A crown may be necessary when a large cavity threatens the health of a tooth. Metal crowns are often the most effective as they rarely break or chip. A crown is not a permanent solution, but it can last for five to fifteen years.

The average costs of dental crowns in public institutions are:

National University Hospital
S$1,284
Changi General Hospital
S$758
Tan Tock Seng Hospital
S$600 – S$750

The average costs of dental crowns in private clinics are:

Glittz Smile Dental Surgery
S$1,050
Orange Dental Clinic
S$700
WH Dental Surgeons
S$400

Image Credits: pixabay.com

Note: The prices on this article may vary in time. Terms and conditions apply. Contact your preferred public institution or the private clinic to get more information.

Sources: 1 & 2

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5 Considerations to Make When Hiring a Domestic Helper in Singapore

There are nearly 250,000 foreign domestic workers in Singapore, according to the Ministry of Manpower (MOM), and the number is rising steadily. The high demand for helpers is not surprising, considering that many families need an extra pair of hands to run the household, especially if both parents are working and there are small children or elderly loved ones to look after.

Perhaps you are also contemplating hiring a live-in maid to relieve yourself of the physical and mental stress of having to juggle numerous household chores and your other important responsibilities. If so, you can’t take the decision lightly. After all, employing a stranger who will live with you and care for your family requires careful consideration. Before you contact a domestic helper agency to start the process of hiring a maid, you may want to consider the following factors first to help you make a decision you will not regret.

Costs

Hiring a domestic helper, particularly a maid who will be working in Singapore for the first time, has serious financial implications. You need money for agency fees, work permit application, foreign domestic worker levy, security bond, insurance, and many other expenses. You can expect to pay between SGD500 to over SGD2,000 when you first hire a maid. Besides these initial costs, you also need to allocate a portion of your income for your helper’s salary and additional groceries and utility expenses. In case of an accident or illness, you also have to shoulder her medical bills. Make sure to consider all these things to get a better understanding of whether employing a live-in maid makes good financial sense, given your family’s unique situation.

Your Living Situation

Aside from monetary considerations, you also need to think about your living situation. Do you have enough room in your home for your maid to have her own space? Are you comfortable letting somebody from another country with a different culture and set of values live with you? Although it will be helpful to have someone to help with cleaning and other household chores, remember that this person will be entering your private space. She will hear a lot of conversations and witness practically everything that goes on inside your home. You also have to exert effort to understand your maid’s cultural nuances and make a few adjustments to build a good relationship with her. Essentially, your home life will change to accommodate another person. As such, you should carefully ponder on whether you and your family are ready for these changes.

Your Responsibilities

As an employer, you have the responsibility to pay your helper on time, provide adequate food and lodging, and create an environment that is conducive to domestic work—but your duties do not end here. Because your maid will perform many essential tasks that impact the overall well-being of your entire family, you should care for her as well. Besides being polite and kind, you should be willing to provide necessary assistance to ensure that she is healthy and happy to perform her work responsibilities. You may even need to make special accommodations if you have different religious beliefs, like in terms of dietary restrictions or prayer hours. Are you open to making such compromises? Hiring a live-in maid undoubtedly has multiple perks, but you should be ready to take on the responsibility of looking after a foreign worker as well.

Type of Helper

You also need to identify your needs before hiring a domestic helper so that you’ll have a better idea about the type of helper to employ. Start by listing down all the tasks that you need your helper to do. Go through the list again to see whether the workload is reasonable for just one person to handle. If you cannot perform all the chores you enumerated yourself, consider adjusting the workload. Once you have a sensible list of tasks, the next step will be to determine which skills are of the highest importance to you. For example, if your primary concern is your school-aged children, you may want to hire someone who has experience in childcare and can help with homework more than a helper who is talented in cooking. Ultimately, you can readily find a suitable domestic helper if you have a clear understanding of your family’s needs and priorities.

Maid Agency

The maid agency you will partner with is another factor you need to consider when hiring a domestic helper. Instead of merely relying on advertisements or choosing an agency nearest to you, you may want to do a bit of research yourself to find a reputable service provider. For one, the agency should be licensed by MOM and accredited by relevant authorities. You may also want to check the track record of the employment agency you are eyeing on the MOM website. You can also read client reviews or ask your relatives or friends with maids for recommendations. At the end of the day, you should do your due diligence to ensure that you will pick out a reputable maid agency that will protect your interests.

You may not realise it, but you are essentially outsourcing your important household duties when you employ a domestic helper. She will live with your family to help you manage your home and care for the people you love so you can focus on other essential responsibilities. That said, hiring a live-in maid requires careful consideration. Think about every aspect of employing a helper before hiring one. And when you decide that your family is ready to commit, be sure to take your time finding the right maid agency that will source the ideal person for the job.

 

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6 Clever Tricks To Help Singaporeans Spend Less On Groceries

Perfecting your grocery budget can help you make serious contributions to your savings. Best of all? Saving on groceries does not have to mean skipping on delicious meals or depriving yourselves of quality produce. Read the following backs before you complete your grocery shopping trip.

#1: BRING A SHOPPING LIST

Whether you want to write down your grocery list on a piece of paper or bring a portable list through a mobile app, you can save time and money by sticking to this list. Free apps such as rShopping List (available on Android) and AnyList (available iOS & Android) let you create customizable lists to help you avoid unnecessary purchases. Some of these apps have built-in calculators too! Use this app to help you split the list when shopping with friends or family members.

#2: SHOP WITH A BASKET

Believe it or not, study showed that consumers tend to spend 40% more money than usual when the size of their shopping carts were doubled. Simply put, people tend to feel more comfortable with filling up trolleys due to its larger size. Trick yourself to narrow down what you need by carrying a basket instead. It may be easier to push a trolley but carrying a basket can help you spend less time and money in the supermarket. What’s more? You can enjoy a free arm workout.

#3: FIND CHEAPER-PRICED ITEMS

Supermarkets strategically put their pricier and popular items at the eye-level so you can get tempted easily. Next time you shop, give yourself the opportunity to comprehensively look at the shelves from top to bottom. While you are at the fresh meats section, filter through the displays to spot the reduced-price items. These packaged meats may be on the display for a few days, but they are still good for the same-day cooking.

#4: LOOK AROUND

Since every aspect of the grocery stores are meant to entice you to buy more, you must not buy the first brand you see. Chances are, products in the lower shelves are of the same quality, but they are cheaper. House brands are typically placed there. Moreover, fresh milks that expire next week are usually hidden behind the carton that expires tomorrow. Feel free to look around.

#5: BUY A WHOLE CHICKEN

A fresh whole chicken retails for about S$6 at the supermarket, whereas buying separate parts of the chicken can cost twice that amount. So, do not be afraid to cut the whole chicken by yourself. There are useful and free tutorials on YouTube. All you need is a sharp knife!

#6: EARN CASH BACK REBATES

Whether you are living with your kids or by yourself, groceries can cause a huge dent to your wallet. Since they are essentials, you cannot exactly cut down so much on the costs. However, you can still get cash rebates.

Image Credits: unsplash.com

If you have a grocery credit card, you can earn cash back rebates whenever you shop.  While some cards can help you save money on Giant, others can increase your savings at NTUC FairPrice or Sheng Siong. Get the best grocery credit card that suits your needs and your grocery preferences to save up to 8%!

Sources: 1 & 2

 

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S’Pore Yuletide Shopping Do’s & Don’ts

It’s the most wonderful time of the year! Whether you are figuring out how to dodge awkward questions from your relatives or are planning your gift list, this article can help you navigate through the maze of holiday campaigns and attractive sales. Remember, the Yuletide shopping season will be even more cutthroat than the last. You best come prepared!

#1: SHOP SAFELY

Are you excited drop by the Orchard Road? When shopping at the mall, look for stores or businesses that offer safety precautions for its customers and staff. These precautions include enforcing face mask policy, offering hand sanitizers at the entrance, encouraging social distancing, and providing contact-free payment options. Do you part in keeping the community safe by staying at home or by refraining from shopping if you feel unwell.

#2: SHOP AHEAD OF TIME

The massive growth of online shopping and deliveries will likely put an additional strain on the logistics that are already reeling from the COVID-19 pandemic. Many customers have come to expect shipping delays over the past months, but these delays could become worse during the last few months of the year. Not to mention, the effect of the Yuletide season.

Thus, it is best to shop ahead of time. Plan your gift giving list and complete your Yuletide shopping. You can also opt for the store pick-up option. Some retailers such as Samsung and Uniqlo Singapore help alleviate shipping delays by offering the store pick-up option. Customers may purchase the goods online and pick them up in the store to avoid waiting for deliveries.

#3: DO NOT FORGET TO CHECK THE PRICES

Despite your best intentions, the perfect gift may come with a hefty price tag. If you find that a gift can blow your budget, you may use your smartphone to check whether there are better deals elsewhere. Look into websites that post deals such as Money Digest or go to price comparison websites like iPrice.

#4: CREATE A GAME PLAN

Avoid biting into the holiday temptations by creating a game plan before you complete your Christmas or New Year shopping. Make a list of the gifts that you need to buy for the people whom you love the most. Weigh whether you can purchase these gifts online or in-store.

By equipping yourself with a list, you will be able to navigate through the busy malls. If you still have trouble resisting items that are not on your list, consider leaving your credit cards at home. Bring enough cash for your purchases.

#5: DO NOT MAX OUT YOUR CARDS

Your credit card utilization rate is a vital part of your credit score. It refers to how much you currently owe divided by your credit limit. Thus, you must use your credit card wisely to prevent damage to your credit score. Do not get us wrong! It is understandable to have a higher balance over the holidays. However, please try to keep your utilization rate as low as possible. You can either spend less money, use cash for small purchases, or make multiple credit cards payments in a month.

#6: ENSURE ONLINE SECURITY

It is important to educate yourself about shopping securely, given that many people have experienced data breaches over the past years. Monitor your credit and financial accounts regularly and exercise caution when submitting your personal information. Is it secure to provide your credit cards details over the phone? Can you click a random link sent through your spam folder? Be careful!

By proactively guarding your identity and sensitive information, you may be able to prevent fraud from ruining your holidays.

#7: DO NOT SPEND MORE THAN WHAT YOU HAVE

Do not let the flashy advertisements and the pressures of the season to tempt you to go into debt. The holidays can still be a joyous season even if you do not have gifts for everyone. If you do not have enough money for gifts, there is no shame in giving homemade gifts or being present in the celebration. Sometimes, the best gift is spending quality time with the ones you love.

Image Credits: pixabay.com

May these Yuletide spending tips help you survive the season with your wallet still intact!

Sources: 1 & 2

 

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7 Tips for Achieving Mind-Body Balance

Health is not merely the absence of diseases; it is a state of optimal well-being and wholeness. This includes the food you eat, the relationships you build, the jobs you fulfill, and your life experiences.

Aiming for balance in your mind, body, and soul is a good place to start. Below are seven ways to help you begin the process.

#1: AVOID SITTING FOR EXTENDED PERIODS OF TIME

Given our current situation, many Singaporeans are working from home. Try to stand or walk around while you work. Take a few minutes to refresh your mind and body. Sitting for extended periods of time was linked to diabetes and heart diseases.

#2: READ AND LEARN MORE

Learning does not stop once you get out of school. Open your mind to new possibilities by taking online classes, reading books, watching documentaries, and attending workshops. Cultivate a heart that yearns for lifelong learning.

#3: MEDITATE ON A DAILY BASIS

Meditation improves concentration, memory, mood, sleep, and creativity. All it takes is a few minutes per day to start reaping its benefits. You may even ask your friends to partake in a 30-Day Meditation Challenge with you.

#4: EXERCISE REGULARLY

Apart from meditation, regular exercise offers benefits for both your mind and body. A complete fitness plan includes exercises to develop cardiovascular conditioning, strength training, and flexibility. Get at least 15 to 30 minutes of moderate to fast-paced exercises each day.

#5: DISCONNECT FROM TECHNOLOGY

Our society heavily depends on technology such as laptops and smartphones. Our busy lifestyles glued to our devices can cause detrimental effects on our overall health. Which is why people are tapping into the concept of mindfulness. Try unplugging for the weekend. Start by giving yourself an hour of mindfulness (i.e., no devices allowed).

#6: TAKE A RESTFUL SLEEP

Restful sleep is vital to having energy and optimal well-being. Take a restful sleep of about 7 hours per night. When you are well-rested, you can approach stressful situations in a calmer manner.

#7: CREATE LOVING RELATIONSHIPS

Research showed that a good social network has numerous physical and mental health benefits. Social support can keep you from feeling isolated, inadequate, or lonely. Your friends and family can give you advice on how to manage your problems.

Image Credits: pixabay.com

Sources: 1 & 2

 

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