5 Most Affordable Dental Clinics In Singapore

“You’re never fully dressed without a smile.” – Martin Charnin

Despite being a nerve-wrecking affair, going to the dentist on a regular basis is recommended by experts. Here is a list of the places you can visit for dental check-up, oral maintenance, and more.

#1: NTUC HEALTH DENTICARE

Formerly known as Unity Denticare, NTUC Health Denticare has a rich history of being a household name for affordable dental services. This institution is a part of the NTUC Health, Singapore’s largest healthcare cooperative, since 1971. NTUC Health Denticare has eighteen dental clinics and two mobile dental clinics. Find a branch that is most convenient for you.

Consultation costs about S$25 to S$35. While scaling and polishing costs about S$50 to S$110. Subsidies are available if you carry Pioneer Generation, Merdeka Generation, or CHAS cards.

Locations: 18 clinics islandwide

#2: Q & M DENTAL GROUP SINGAPORE

One of the most widespread dental brands in Singapore is Q & M Dental Group. With over seventy dental clinics across the country and a pool of more than two-hundred dentists and specialists, you will be able to find a branch near to you.

Consultation costs about S$21.40 and consultation with specialists starts costs about S$37.45. This price can go up. Scaling and polishing start from S$74.90. Thus, your total bill can be at least S$96.30. Subsidies are available if you carry Pioneer Generation, Merdeka Generation, or CHAS cards.

Locations: Click here

#3: PKWY DENTAL PRACTICE

The PKWY Dental Practice used to be called the Parkway Dental Practice. PKWY Dental Practice is located at the heart of Orchard. Despite being surrounded by overpriced dental clinics, it offers a friendlier price for nearby residents.

A consultation including scaling and polishing costs about S$80 to S$160. If you are a first-time client, you can avail the S$88 package that includes consultation, scaling, polishing, and x-ray.

Location: 9 Scotts Road, #12-02 Pacific Plaza, Singapore 228210

#4: AZURE DENTAL

Create a pleasant and stress-free dental experience with your beloved kids at Azure Dental. It is a child-friendly dental clinic equipped with booster seats for children to sit comfortably. There is also a free all-you-can-drink coffee and tea in the waiting area. This is ideal for parents who are waiting for their children’s appointments to be over.

Consultation starts at S$32. While scaling and polishing services range from S$96 to S$160.

Location: 781 Bukit Timah Road, Singapore 269759

#5: SINGHEALTH AND NHG POLYCLINICS

If you are looking for a dental option for regular check-up and oral maintenance, search no further than the neighborhood polyclinic. Neighborhood polyclinics offer subsidized dental treatment and care. Both SingHealth and National Healthcare Group polyclinics have dental services, and it is easy to make an appointment online.

Consultation fees range between S$14.10 to S$27 for Singaporean citizens. Children and elderly pay S$8.25 to S$16.80. Lastly, emergency dental consultation fees are up to S$31.20 for Singaporean citizens. Children and elderly pay about S$28.20 for emergency dental consultation.

Image Credits: pixabay.com

These are the specific prices:

SingHealth
Singaporean adults: S$16 to S$28.60
Children and elderly: S$8.25 to S$14.90

NHG
Singaporean adults: S$16.50 to S$27.80
Children and elderly: S$10.60 to S$16.80

Sources: 1 & 2

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5 Affordable Counselling Options In Singapore

Counselling is the professional guidance given to an individual. The professional uses psychological methods in collecting case history data, personal interview, and testing interests or aptitudes.

Counselling is a form of talk therapy whereby an individual, a couple, or a family talk about their problems with a trained professional counsellor. Remember that your mental wellbeing is as important as your physical health. Whether you are struggling with addiction or facing the pressures at work, here are five affordable counselling options in Singapore.

#1: FAMILY LIFE SOCIETY/CATHOLIC FAMILY LIFE (CFL)

Family Life Society or Catholic Family Life (CFL) is a registered charity and a member of the National Council of Social Services. Their patron is the Catholic Archbishop of Singapore. CFL aims to provide pro-bono counselling services to anyone who requires support.

While CFL focuses on parenting and pregnancy issues, they also provide a listening ear to people who are dealing with personal and family issues.

Visit their website for more information.

#2: SINGAPORE COUNSELLING CENTRE (SCC)

Singapore Counselling Centre (SCC) offers professional counselling in different languages and dialects such as English, Mandarin, Malay, Tamil, Cantonese, and Hokkien. Its services are available from Monday to Sunday. The flexibility allows people who work on the weekdays to get necessary help on the weekends.

The rates vary for adults, children, youth, couples, and families. For instance, one-session is priced at S$160.60 for adults, S$160.50 for children and youth, $235.40 for couples, and S$363.80 for families. You can purchase a 10-session package to save up to 20%.

Visit their website for more information.

#3: SILVER RIBBON SINGAPORE

Do not worry about the hefty bills that come with counselling services because the Silver Ribbon Singapore offer free counselling services through video calls.

As a strong advocate for mental health, the people behind Silver Ribbon Singapore organize mental health workshops and awareness seminars. They help students, migrant workers, and psychiatric inmates to better cope with their personal struggles.

Visit their website for more information.

Image Credits: unsplash.com

#4: SINGAPORE ASSOCIATION FOR MENTAL HEALTH (SAMH)

If you are uncomfortable with communicating with an actual professional counsellor through an in-person session, you may opt for a phone call or an online helpline instead. Singapore Association for Mental Health (SAMH) has a helpline for all mental health-related issues.

SAMH has an in-person donation-based counselling session and a helpline. Counselling sessions are free to people whose finances are tight. Call 1800-283-7019 for more details.

#5: ASSOCIATION OF WOMEN FOR ACTION AND RESEARCH (AWARE)

In Singapore, Association of Women for Action and Research (AWARE) aids females who have been victims of sexual assault or harassment. AWARE’s female-centric programs and services are designed to help females to deal with issues such as sexuality and violence.

Services are exclusively available for women above 21, but they also accept referrals from the Sexual Assault Care Centre. These sessions can only be done on an appointment basis. Adults are charged at 1% of their monthly salary (i.e., capped at S$150). While students or people with no income are required to pay a minimum fee of S$20. Call 1800 777 5555 for more details.

Sources: 1, 2, & 3

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4 Wet Markets Offering Fresh and Affordable Groceries In Singapore

Just like the shopping centres and community parks, wet markets have been the glue that binds our communities together. Get the freshest and cheapest ingredients when you head down these wet markets early in the morning!

*Please note that the regulations in these wet markets are subject to changes to follow the COVID-19 restrictions. It goes without saying that your safety remains a top priority.

#1: CHINATOWN WET MARKET

The Chinatown Wet Market is one of the unique wet markets in Singapore as it stores exotic meats such as live frogs, eels, and turtles. It is situated in the iconic Chinatown Complex building. This market offers both the eccentric and familiar ingredients for your special recipes. After shopping, you can head upstairs to explore the meals sold by the food vendors. These vendors sell old-school Singaporean food like popiah, dumplings, and lor mee.

Location: Chinatown Complex, 335 Smith St., 050335

#2: TEKKA CENTRE

Tekka Centre is the largest wet market in Singapore with 284 stalls. Its wide space is home to fresh produce and dry goods for all kinds of needs. This market is haven for both food enthusiasts and fashion lovers. Nestled in the heart of Little India, the Tekka centre is a melting pot of diversity. Greet the vendors and ask for quality seafood. The centre is known for its famous Sri Lankan crabs!

Location: 665 Buffalo Rd., 210665

Image Credits: unsplash.com

#3: CHONG PANG MARKET + FOOD CENTRE

The Chong Pang Market + Food Centre has captivated both the nearby patrons and the distant customers for several years. This wet market serves quality meats and produce as early as 5 AM. Apart from shopping, you may visit this place to get a satisfying digestive experience. The dozens of food stalls serve hungry residents until late at night. Try the famous Chong Pang Nasi Lemak while you are there.

Location: 105 Yishun Ring Rd., 760105

#4: ADMIRALTY WET MARKET

Part of the newly renovated premises at the Admiralty Place Neighbourhood Centre, the Admiralty Wet Market offers fresh ingredients for your daily meals. It is a short walk away from the Admiralty MRT Station. Its newly renovated premises features improved ventilation and lighting as well as a more efficient layout to enhance your shopping experience.

Location: Block 678A Woodlands Ave. 6, 731678

Singapore’s wet market is one of the best places for bargain hunters. What are you waiting for? Roll up your sleeves and have an interesting experience with these four wet markets.

Sources: 1 & 2

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Neighbor Disputes: 5 Ways To Peacefully Manage Them

As I moved to three places in three years, I have had my share of difficult neighbors. You may love your home but getting stuck with awful neighbors can have you thinking of moving out. Here are some tips on dealing with rude, nosy, or difficult neighbors without causing too much drama.

#1: KNOW THE DIFFERENT TYPES OF NEIGHBORS

From nosy neighbors to dangerous neighbors, there are diverse types of neighbors that you need to watch out for. Red flags exist for a reason. Do your best to weigh whether the situation needs to be managed or not. Let us illustrate through the “richer than you neighbor”.

The “richer than you” neighbor refers to the people whom you try to keep up with. These people parade their flat renovations, new car, and shiny gadgets. Despite doing nothing wrong, you may start to brew feelings of jealousy or inadequacy.

Remember that you do not know the whole story. Focus on the qualities of your home that make you happy. Revel in pride as you take care of your indoor garden. Focus on these positive things and stay contented with what you have.

#2: CREATE A LOG OF QUESTIONABLE BEHAVIORS

The truth is, we are not aware of all our actions. Your neighbor may not be aware that he or she often blasts the volume of their television or that you can hear them scream at each other. Make a documentation of the offending behaviors to help your case when you need to present it to the housing board or the property owner.

Store a log of the offending behaviors and take a note when it happens. Add any communication you and your neighbor have had regarding the problem. Do not forget to write what you have discussed.

#3: DO YOUR RESEARCH ON THE RULES AND REGULATIONS

Whether you live in an HDB Complex or a Condominium, there are a set of guidelines dictating tenant behavior. Check your housing contract or do your online research to know the rules and regulations of your place.

For instance, playing loud music after 10 pm is not allowed. If your neighbor is in clear violation of these rules and regulations, you will have a stronger case when you go speak to them.

#4: COMMUNICATE POLITELY AND DIRECTLY

Before going to the upper management to raise your disputes with the neighbors, try to speak with them first. Give your neighbor a chance to fix the problem and hear him or her out. If you are not comfortable with face-to-face confrontation, you may leave a note or send an email to highlight what is going on.

Be polite and direct to let your neighbor know what affects you. Try not to use accusatory language, which can put your neighbor on defensive mode.

#5: DO NOT REACT IN THE MOMENT

The best advice that I received was to put some space between the incident. Do not react in the heat of the moment, because you might do something wrong. Avoid saying anything that you would regret in the future.

Image credits: unsplash.com

Take time to figure out what you want the resolution to be. Your goal is to express what happen and solve the problem together. Compromise if needed.

Sources: 1 & 2

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What On Earth Is A Buyback?

Highlights

  • A buyback occurs when a company purchases its own shares in the stock market.
  • A repurchase reduces the number of shares outstanding. Thus, it inflates earnings per share.
  • A buyback can demonstrate to investors that the business has sufficient money set aside for emergencies.

WHAT IS A BUYBACK?

A stock buyback occurs when a company purchases shares of its own stock. It either retains the stock for resale to the market in the future or permanently removes the stock from the circulation.

This process reduces the total shares of stock outstanding and increases ownership stake that each remaining share of stock represents. It increases the value for the shareholders.

HOW DO BUYBACKS WORK?

Stock buyback plans are usually authorized by the company’s board and proposed by its executives. However, a planned buyback does not always occur. In some cases, the target share price a company chooses may not be met or a tender offer may not be accepted.

WHAT ARE THE DIFFERENT TYPES OF BUYBACKS?

The diverse types of buybacks include the on-market and off-market buybacks. The former refers to when a company buys its own shares on an exchange in the ordinary course of trading.

In contrast, the off-market buybacks occur when the company makes its offer directly to the shareholders.

Image Credits: unsplash.com

WHAT IS AN EXAMPLE OF A BUYBACK?

Company XYZ had one million dollars in earnings and one million outstanding shares before the buyback. Thus, it equates to earnings per share of S$1. Trading at a S$20 per share stock price, its P/E ratio is 20.

With all else being equal, one hundred thousand shares would be repurchased and the new earnings per share would be S$1.11. To have the same P/E ratio of 20, shares would need to trade up 11% to S$22.22.

WHAT ARE THE ALTERNATIVES TO BUYBACKS?

Buyback programs have come under scrutiny over the past few years. So, alternatives are important to know when understanding buybacks.

Other options include:

a. Using capital to acquire other companies or securities,
b. Returning cash on hand to investors in the form of dividends, and
c. Re-investing the capital in research and development.

Sources: 1 & 2

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