Anna Agoncillo, Author at MoneyDigest.sg

Use Medisave To Overcome 11 Vaccine-Preventable Diseases

Health has long been associated with wealth. According to this age-old proverb, good health plays a vital role to reaching a prosperous life. Having poor immune system may lead to more abseentiesm at work or at school. Furthermore, you illnesses are usually accompanied by medicines and medical fees. You waste time and money when you are constantly sick.

The good news is that the Ministry of Health (MOH) has established the National Adult Immunisation Schedule (NAIS) for Singaporeans aged 18 and beyond. You are encouraged to protect yourselves against vaccine-preventable diseases under the NAIS. In the beginning of next month (November 1, 2017), you will be allowed to use your Medisave to acquire recommended vaccinations for the specific population groups that you belong to.

To reduce confusion, I am highlighting that Medisave is different from MediShield. Medisave is the national medical savings account that Singaporeans need to fulfill to cover future medical needs. Individuals or your employers need to regularly contribute as long as you are employed. On the other hand, MediShield is a low-cost medical insurance scheme aimed to pay for larger hospitalization bills.

Now that you are enlightened about Medisave, I must eagerly note that this vaccination scheme is highly encouraged. However, it is not mandated! You are free to discuss your vaccination needs with your trusted physician. You do not want to be allergic to the ingredients of a particular vaccine (e.g., the latest Influenza shot I took was not suitable to individuals who are allergic to egg)! That will only make matters worse.

If you wish to use your Medisave, you must ask your healthcare provider prior to the vaccination. You will be able to use up to S$400 at public healthcare institutions, Medisave-accredited GPs, and private hospitals. The eleven diseases covered by this scheme are:

(i) Influenza;

(ii) Pneumococcal (PCV13/PPSV23);

(iii) Human Papillomavirus (HPV2/HPV4);

(iv) Tetanus, Diphtheria and Pertussis (Tdap);

(v) Measles, Mumps and Rubella (MMR);

(vi) Hepatitis B; and

(vii) Varicella.

Let us part ways with the significant words stated by the Senior Minister of State for Health – Dr. Lam Pin Min.

Image Credits: pixabay.com

“Vaccination provides a person with protection against infectious diseases, and is one of the strategies to reduce the risk of disease outbreaks in the community. While the coverage for vaccinations under the National Childhood Immunisation Programme has been high for most of the vaccines, there is low awareness of the benefits of adult vaccination for personal protection and protection of at-risk family members. With the introduction of the National Adult Immunisation Schedule (NAIS), we hope to encourage Singaporeans to take up the recommendations made in the NAIS, to protect themselves and their loved ones against the relevant infectious diseases.”

Sources: 1 & 2

Striking Stories From Singapore’s Inspiring People

Who pushes you to become a better person? Who inspires you to wake-up blissfully each morning? Who motivates you tackle the daily tasks in the workplace?

If you cannot think of legendary figures or concrete reasons to combat life’s bustling challenges, consider hearing out these striking stories.

THE BLADE RUNNER

A brave man was once quoted saying: “Every run tells a story. For every failure, there is hope within. And [for] every ending, there’s an achievement and a new beginning.”

In this case, the brave man is none other than Mr. Shariff Abdullah. He is known better as Singapore’s Blade Runner. His dedication to marathons despite running with a prosthetic blade made him earn the alias. His unwavering spirit sparked his journey to fulfill more than twenty marathons worldwide.

Just last year, the Blade Runner attracted a nationwide buzz. He conquered the Tenzing-Hillary Everest Marathon for a chosen charity and for increased awareness.

“It’s not about being the first amputee or being a champion. I’m doing this to raise awareness that someone like me with a disability can do something like this. I think it will serve as motivation to young children or anyone, that they can achieve their dreams.”

THE YOUNG STAR

As young as she is, Gelyn Ong understood the selfless act of sharing her magnificent talent. Her passion for the arts began when she was scribbling on a paper at age 4. Since then, she dived into the bold world of acrylics on canvas. She had her first solo art exhibition at age 7. What were you doing at this prime age (I was probably playing with a plastic cooking set or watching cartoons)?

Each of her utterly whimisical artworks convey a strong message about the values that she holds dearly (e.g., conservation of Mother Earth). Furthermore, two of her exhibitions raised funds for diverse charities. She once raised about S$90,000 – talk about a blossoming talent with a genuine cause.

Furthermore, her artworks were once used for and EZ-Link cards in behalf of the Make-A-Wish Foundation. You may get a good grasp of her talent by purchasing her book entitled “The Forest Fable“. Impressively, she published this book when she was 9.

THE WILLING HEART

Singapore’s largest food kitchen, the Willing Hearts, was founded by Mr. Tony Tay. This organization distributes about 3,000 meals per day with their service points spreaded across the nation. They tirelessly give away free food for the people who are in crucial need.

The biggest turning point in Mr. Tony’s life was the passing of his beloved mother. He noticed that numerous individuals paid their respect despite having no formal invitation. His mother touched their lives throughout the years. At that moment, he knew he wanted to help others.

He initially hand out bread to the migrant workers and aided about fifty citizens in Bukit Ho Swee each day. He was captivated by the gratefulness that he saw in their eyes. He never stopped his advocacy since then. The humbling thing is, he personally extends his unceasing service throughout the years. You may join his fulfilling cause by volunteering at willinghearts.org.sg.

THE HALL OF FAMER

Imagine being born with significant limits whereby the doctors warned you of the gloomy possibility that you might never be able to walk again? Others may quit right then and there, but not Ms. Laurentia Tan. She was diagnosed with Cerebral Palsy and Profound Deafness at an early age. To strengthen her muscles and spine, she took up equestrian activities (i.e., horseback riding). This form of physiotherapy turned her into a legend.

She won two bronze medals at the 2008 Beijing Paralympics and a silver medal at the 2012 London Summer Paralympics, among others. She was able to participate in dressage events that require movements synced to the music too! Isn’t she remarkable? Singapore’s authorities in sports think so!

In August 2017, she was rightfully awarded with a “Sport Hall of Fame” as an athelete who contributed to the country’s sports success. She was honored at the Singapore Sports Museum alongside Joseph Schooling and Theresa Goh.

Sources: 1, 2, & 3

4 Rental Tips For Expats In Singapore

Ring in the reality check! Singapore is a country which considers “space” as a luxury. Singaporeans do not usually keep their spare rooms open for annual guests to lounge on. More often than not, they keep these extra rooms for rental. You would be suprised to learn the amount of bedrooms that landlords can squeeze in a seemingly small condominiums.

It goes without saying that it is cheaper to rent out a single room than the entire flat. So, set a minimum bedroom requirement as well as a minimum size requirement before signing a contract. Equip yourself with rental strategies such as this.

UNDERSTAND THE DISTRICTS

What are the Singapore’s districts? Well, watching the Hunger Games series was probably the last time you have heard about a nation’s divisions. Similarly, Singapore’s districts offer distinct living experiences. You cannot get away from these categories as an expat or someone who is looking for a place to live at.

You must study the district codes initially. These codes tell you whether a rental unit is located at the core of the central region (e.g., District 10 including Tanglin Road), within the radius of the central region (e.g., District 2 including Chinatown), or outside of the central region (e.g., District 28 including Yio Chu Kang).

EMBRACE THE OUTSKIRTS

Location is one of the most important factors interplaying with the market’s property prices. Now that you have a grasp of the twenty-eight districts, you can distinguish between the “central region” and the outskirts. Rent is cheaper in areas away from the central region and the MRT (Mass Rapid Transport) stations.

The central region may not necessarily apply to your lifestyle. As Singapore is compact and accessible, odds are, you are about an hour away from the central region with public transportation. For instance, you can easily travel from the Boon Keng “heartlands” to the Orchard “central” through MRT or buses. You can even walk from one town to another (e.g., I once walked from Toa Payoh to Novena for 20 minutes).

Furthermore, the government seeks to make every town self-sustaining. Almost every neighboorhood has its own parks, shopping malls, and eateries. Ask yourself: Is a central location too overrated?

PLAN YOUR ROUTE

One cannot deny that we all have distinct personalities. If you are not a morning person and you find it difficult to allot an hour of leeway every morning for your commute then, opt for another strategy. Maximize your preparation time and lessen your transportation costs by finding an affordable place near your workplace.

As pointed above, location is an essential factor. Do a quick Google search on the possible routes you may take to get to your destination. Choosing the smartest way gets you to work on time. Being punctual is a respectable trait to have as an employee.

The humble country has a network of buses and trains. However, the vehicle interval or arrival time of buses is more unpredictable than the trains. Taking the MRT is generally a better choice.

CONSIDER THE HDB

In the recent years, more and more foreigners have warmed to the Singapore’s public housing or HDB (Housing and Development Board). Before you completely frown upon this idea, here are some of the reasons why this is a viable option:

a. There is a significant difference between private and public rentals. HDB flats with 2 rooms start at S$1,500. While, the same space costs about S$3,000 at private condominiums.

b. HDBs are usually walking distance from town facilities and public buses.

c. Food is insanely cheaper than the ones available at the condominiums as hawker centres are typically at the ground floor of the building.

Image Credits: pixabay.com

If you are planning to stay in Singapore for a long period of time, staying at an HDB flat will allow you to absorb the local culture better.

Sources: 1, 2, & 3

Coolest Places For Friendly Hangouts In Singapore

Are you looking forward to spend quality time with your childhood friends or co-workers? With a budget of S$25 or less, here are some places that you may enjoy.

FOR THE FOOD ENTHUSIAST

Nothing beats a simple gathering that ignites your love for food. Taste the various flavors that Singapore hawker centres offer by hopping into different stalls. Catch up with your beloved friends while you dine at the best yet affordable eateries. Five of the most famous hawker centres include Chinatown Complex Food Centre, Old Airport Road Food Centre, Maxwell Road Hawker Centre, Tiong Bahru Market Hawker Centre, and Chomp Chomp Food Centre.

FOR THE FEED-CONSCIOUS

Embrace the seemingly crucial part of the modern age by delighting your “Instagram model” friend with a visit to Haji Lane. You can expect to take vibrant photos as you are backed by graffiti walls and vintage boutiques. Immerse yourself with the eccentricity of the place as you go window-shopping with your friend. When you are done posing and strolling, you may grab an Eisky Fabulous “smooshie” (combines slushie and smoothie in a cup) for only S$3.50.

FOR THE FIT WARRIORS

One of the most beneficial exercises for your cardiovascular system is swimming. If you and your buddies are into cultivating your physical health, showcase your strokes at the public swimming complex. Said complex is less crowded than Adventure Cove. Furthermore, the entrance is way cheaper! The entrance is about S$1.50-2.00 for adults and S$0.80-1 for children.

Image Credits: pixabay.com

Some of the top public swimming complexes include Jurong & Sengkang Swimming Complex.

FOR THE ANIMAL LOVERS

Singapore houses some of the world’s rarest turtles and tortoises in a convenient place. The Live Turtle and Tortoise Museum lets you get up-close and personal with the Matamata, Snake Headed Turtle, and Alligator Snapping Turtle among others. Admission to museum is about S$5 and you can pay an additional dollar for bucket of animal food.

FOR THE TREE-HUGGERS

Although farms are a rare sight in Singapore, there are still some of them in the concrete jungle. Tucked away from the hustle and bustle of the city is the Bollywood Veggies. Enjoy the 10-acre exploration of the floras and faunas to build appreciation about the food sources. It is a rejuvenating experience to stroll and dine at this haven on earth.

Image Credits: facebook.com/pg/BollywoodVeggies

Admission to the farm is amazingly free!

Sources: 1 & 2

Helpful Tips For Hiring Employees As A Startup

One of the most stressful tasks that business owners ought to face is the hiring process. In particular, each new hire for a startup causes a significant impact on the work culture. Why is this so? Cultivating a business from scratch entails that the stakes are high. The owner is diving into the market with an innovative business model. Thus, he or she needs to ensure that the recruits are creative, passionate, and committed.

Considering all these factors as well as the limited resources makes the hiring process more complicated. On that note, here are 5 helpful tips to ease the stress of recruitment.

1. FAIR PAYMENT

Whether you are aware of it or not, many startup owners undermine the worth of a position. These owners offer salaries based on the company’s size instead of the market’s competitive rate. As a result, the recruitment efforts seem to be unsuccessful. Who can blame the candidates?

If the going rate for administrative officers or receptionists is S$12 per hour, why would you settle for S$7 per hour? You would receive better response by offering a salary that matches the market or at least a dollar off it.

2. NOWHERE BUT UP

Let’s face it! Millennials crave dynamism in all areas of life – including the workplace. Said generation has shifted away the traditional view of holding a position for 20 years and beyond. Millennials are looking for jobs that will fulfill their present purpose. So, consider luring them in by offering opportunities for advancement.

What can the position offer aside from monetary gains? Is this position a stepping stone for more responsibilities within the company? Highlight the skills and knowledge that they cannot learn elsewhere. Self-enhancement through experience is a priceless and valueable incentive.

3. EMBRACE CHANGE

Another way to attract the Millennial employees is to know where they lurk. Millennials frequent social media pages and popular recruitment sites. Advertise on these platforms to widen your search. For instance, you may set up a public Facebook page for your startup. Regularly post the vacancies on your feed (i.e., at different time-slots). You may also post a job advertisement on JobsCentral or Gumtree. You need the nationwide traffic that these online classifieds receive.

Image Credits: pixabay.com

Aside from refining your job search, you may assess a potential employee by scanning his or her online profile. A standard background check may provide a supplement to your initial interview. The candidate’s social media profiles can give you a better picture of his or her personality and working experience. The latter can be achieved by examining one’s professional blog or online portfolio.

4. MORE BENEFITS

Given that you are nurturing the crucial years of your company, it may not be a wise idea to exhaust all your efforts and funding to the employees’ wages. It is acceptable if you are not able to shell out the monetary incentives right away. Consider adding the surrounding lifestyle as an incentive. Attract a potential quality employee by selling the non-monetary benefits of working in the startup.

If you are fortunate enough to be located in a place where there are various dining options, sell that too. If your business includes a health facility (e.g., a meditation spot) or is near the town park, sell that too. If there is a possibility to work from home, sell that too. Other enticing workplace features can play a part when the candidate decides to take your offer.

5. PROVIDE FLEXIBILITY

More and more employees in Singapore are opening up to the idea of deviating from the 9-to-5 jobs. Top talents desire to have the choice of accomplish their tasks at the coffee shops or at home (while in their pajamas). I, for one, am one of these people. I am certainly guilty of wearing my slippers and comfortable clothes as I wrote this. With its convenience, flexibility is a strong selling point.

Image Credits: pixabay.com

As long as your humble team can meet the goals and collaborate well, you may consider putting the flexible schedules on the table. Think about the amount of electricity and water consumption you can save by minimizing the “office” costs. If it is doable, allow remote once in a while.

Sources: 1 & 2

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