The SG Bonus was announced in Budget 2018 to share the fruits of Singapore’s development with Singaporeans. All eligible Singaporeans will receive hardcopy letter notifications on their SG Bonus benefit from 2 October 2018. Those who have registered their mobile numbers with SingPass will also receive SMS notifications.
The amount of SG Bonus is tiered according to income, with more for those earning less:
SG Bonus will be paid to eligible Singaporeans in end 2018.
Citizens are encouraged to register their NRIC on PayNow by 7 November 2018 to receive their SG Bonus earlier (see payment dates below). They may do so via their bank’s mobile banking or Internet banking platforms.
Log in to the SG Bonus e-Service (SingPass login required) to sign up for the SG Bonus, update your payment mode, or make a donation:
Purchasing health insurance can be a daunting task. It may be a tricky situation if your family member has cancer. Fortunately, you can make different choices that offer the best coverage for prescription drug and medical needs.
These cautions and suggestions will help you to shop for policy for your cancer treatment:
Plan Covers Your Clinics, Hospitals, and Doctors
Evaluate your plan if it includes a cover for doctors, hospitals, and clinics. Plans may change your preferred clinics, hospitals and doctors. If your plan is not covering your clinics and doctors, you have to change this policy. Doctors or hospitals out of network may increase your expense.
Plans like australian health insurance – iSelect offer special benefits to a policyholder. You have to do your homework to find out a reliable plan. Keep it in mind that high-deductible plans need you to pay 100% of medical costs until you mollify your deductibles. Deductibles can be more than out-of-network care.
Plan Cover Costs of Prescription Drugs
Some plans are associated with co-pay that is a fixed rate for the prescription of each patient. Other insurance plans may charge one co-insurance that is ideal for the total charges of a drug. It may be expensive for a cancer patient who undergoes multiple services like radiation therapy and chemotherapy for treatment. For cancer medications, a co-pay can be a cheap option than co-insurances.
Plans often divide medications as per formulary into categories or tier. The medicines in higher tiers can be expensive for you. Cancer medications are placed in the highest tier. You may compare every formulary to see the tiers/categories of your drug.
Effects of Step Therapy
Several insurers follow “fail first” or “step therapy” rules in healthcare policies. They necessitate patients to try cheap medications before offering coverage for drugs the doctors would prescribe. If initial medicines prove useless for a patient, the treatment may progress toward expensive therapies.
Advocates of patient and physicians are concerned that this therapy can delay the access to treatments offering maximum benefits. Therefore, they consider it wrong for patients. Several states have laws that permit doctors to apply or supersede these policies. If your state doesn’t enact this law, you can talk to the insurance company to know about their policies.
Work-based Insurance Plans
Several work-based insurance plans offer open enrollment period almost once in a year. It allows you to evaluate your health plans. You can add a new member of family or change plans to avail this opportunity. You may get an option to keep similar plans without any change. If you get an option to change plans, you must carefully evaluate new prospects and their way to cover the treatment of cancer patients.
Carefully secure copies of paperwork relevant to your claims, such as FMLA (family medical leave, sick leave, receipts, bills, EOBs (explanation of benefits and necessary medical letters. Maintain your records and send reimbursement bills to your insurance provider.
The immensely popular Spin & Sure-Win promotion from Giant is finally back- only that it is BIGGER and BETTER this time! For the first time ever, the Spin & Sure-Win promotion will be available at 4 hypermarkets in Singapore. They are located at IMM, Tampines, VivoCity and Parkway Parade. Up to a total of $100,000 are to be won!
During the Spin & Sure-Win promotion period, there will be a combination of WOW Deals, Featured Deals and Bulk Deals. 4 WOW Deals each at $9.90 promises incredible savings that will blow your mind away:
10 pieces of Australia Navel Oranges (usual price $16.50)
A bottle of 5L of Sunny Meadow Pure Sunflower Oil (usual price $15.95)
A bottle of Hardy’s VR Wine Moscato (usual price $19.90)
A bamboo charcoal memory foam pillow (usual price $49)
Giant has also curated a mix of 15 products to cater to different types of shoppers.
Finally, buy in bulk and save more! Toast your way to more savings with 4 cartons of Stella Artois Canned Beer for only $65.90 (usual price $91.20) Or pay $4.25 for 2 bags of red onions or Holland potatoes. With so many different combinations of deals available, every type of shopper can look forward to savings galore during the promotion period. But that’s not all!
Every $80 spend* entitles you to 1 chance at the Spin & Sure-Win wheel. Prizes up to a total amount of $100,000 are available during the promotion period!
The deals change every month so make sure you attend all promotion periods to maximise your savings. Hurry now as prizes and vouchers are available while stock lasts!
Learn more about Giant’s fantastic Spin & Sure-Win promotion here.
*Exclusions: Tobacco, cigarettes, newspapers, magazines, infant milk powder, phone cards, gift vouchers, lottery and purchase from concessionaires
Co-working has inevitably become a part of the modern industry since way back in 2011, when it little by little, started to get known in Singapore. With the steadfast everyday call of financial liabilities, business-minded folks often seek for workstations that are not only flexible but also affordable. Here are some must-try co-working spaces with rates under $50/ day in Singapore.
THE HIVE
With a day pass of $30, The Hive, located on the corner of New Bridge Road and Hong Kong Street, allows access to desks, lounge seats and a rooftop café where events and talks are hosted and network opportunities are made possible. This converted four floors of shophouses is best known for its natural lighting and custom-made furniture. What’s even great is their “Hive Passport” that permits free access to other Hive branches situated in Bangkok and Hong Kong.
THE CO
Work is granted easier when provided with best amenities. An eight-story building at High Street Location hits this aim. This is known as The Co, a workspace which boasts its high-end meeting rooms, private offices, board venues, breakout spaces, and terrace working areas. Leisure services are even part of the bundle such as a cafeteria, pool, restaurant, pool tables, eateries and more. All of these that you can enjoy when you avail an individual desk which can go for $45 a day.
MOX
Mox is more than a co-working space. It’s as well called as a co-making space, intended more for creative entrepreneurs. This four-story building in Katong houses Singapore’s first and largest independent design resource workspace. As aimed by Kent Teo and Kishore Buxani, the minds behind its launching, Mox is to provide a proper space for the creative community. The three floors of Katong Point with 40,000 sq. ft. are filled with specialized rooms and equipment, co-working spaces and an “experiential retailing space”, which makes it a literal mall. Some great features include 3D printing room, premium software-equipped iMac kiosks, woodworking studio, sewing room, ready to use photography studio, café with DJ booth and more. Rates are affordable with $30 offer for a day pass.
PAPERWORK
If you’re part of the growing creative community, worry no more because here’s another budget-friendly workspace to tap on. Having a 3,500 sq. ft. area, Paperwork is a business hive and a designers’ hub at the National Design Centre that can accommodate 60 individuals. This co-working space is a co-creation venue opened by design collective Paperspace, which has branches overseas namely, Thailand and Philippines. Moveable partitions and modular furniture are brilliantly made accessible and flexible so to cater events, hold group gatherings and create individual capsules. Conferences are now extra-modern with their high-spec presentation and web video conferencing facilities. Explore and collaborate in this inventive workplace with just $40 for a day pass.
SMARTSPACE
Working late at night is not anymore a problem. Smartspace is an 8,000 sq. ft. a dynamic apartment-like modernized workplace that is 24/7 available. Inside this white-walled co-working space are private meeting rooams, convenient work stations, privy desks, and accessible office essentials, magnificently provided for a user-friendly work stay. A table tennis area and a galley are also available to make your $30 day pass worth it.
WORKHOUSE
Workhouse is a heritage shophouse in Little India which offers a day rate of $40 for a limited access. It brags its Brooklyn vibes with an industrial stylish design. Amenities comprise of open layout offering offices, convenient meeting rooms, secluded conference rooms, full pantry, customizable work areas with storage, 24/7 availability, fiber optic Internet and an outdoor working terrace. Workhouse also accepts rentals for meeting room, conference room and event venue for certain occasions at a reasonable price. Members and interested non-members are even entitled to partake in their monthly social undertakings to empower networking and discussions.
Did one of these co-working spaces satisfy your workplace checklist? An early bird catches the worm as they say. Move now and make things happen.
1. Squeeze every last drop of lemon, calamansi, and other citrus fruits by using a pair of tongs.
2. Savvy shoppers compare prices across the board. Do so by visiting the website called PriceTrolley. It gives transparency over different product prices in local supermarkets.
3. Plan your meals a week in advance and shop accordingly. Do not go beyond this list!
4. If you cannot handle the taste of tap water, get a water filter. It is cheaper to get a water filter and attach it on your faucet instead of purchasing purified water regularly. Lazada Singapore sells water purifiers for as low as S$12.
5. Reduce your intake of meat. Instead of consuming meat on a daily basis, you may reduce your consumption to five times a week. This act both save some cash and to be kinder to the animals.
Image Credits: pixabay,com
6. Use coupons in the grocery. Keep a watchful eye over coupons available in magazines and newspapers. You may also check couponing websites for codes that can be used while you shop online.
7. Invest on food containers or Tupperware. Use these containers to pack your lunch in your campus.
8. Not every due date is set on stone. Do not throw food out just because it is beyond the “best before” date. Inspect the product first.
9. Applying the same concept as a mystery shopper, you can become a mystery diner. Eat your hearts out while commenting on dishes in various restaurants. You get to enjoy a free meal while getting paid for your job.
10. Do not over serve your guests. Ask them to get more food, if necessary. This will reduce the wastes of uneaten food on a plate.
Image Credits: pixabay,com
11. Follow the age-old trick of First In, First Out. Use older products or produce first before moving on to others. An organized refrigerator will make this possible.
12. As mentioned above, you must organize the items inside your refrigerator. Plan out the products that you will actually eat and store them properly. Since the fridge’s door is the warmest part, it is the best place to store your condiments and non-dairy beverages that do not spoil easily.
13. Know how to distinguish what is freezable from what is not. Afterwards, freeze everything that is freezable. Maximizing the power of your freezer will save you money in the long run.
14. Spice up your basic popcorn by seasoning it with herbs. Before your herbs go bad, you may chop them up and mix them with olive oil or butter. Use this mixture to sauté your onions or to spread on a toast.
15. Dine out on your birthday. There are so many place that offer free meals, desserts, or giveaway to celebrants. I remember receiving a free ice cream cake and a free ticket to a contemporary museum during my birthday.
16. Wrap the stem of the banana in a plastic wrap to extend its life span. This will keep it fresh.
17. Cheese is a tricky product to store! Start by wrapping it loosely in a wax paper before placing it in the packaging. Then, partially seal the plastic. This prevents the bacteria and ammonia from being trapped inside.
18. To keep your brown sugar soft, toss a few marshmallows inside the packaging.
19. Absorb the moisture on your lettuce by breaking it apart before storing it. Do this trick to similar greens upon washing it. Then, store the greens in a resealable container with a dry paper towel. Replace the paper towel as needed.
Image Credits: pixabay,com
20. Do not throw your eggs in the rubbish bin right away! Do the “fresh test” by letting it float gently in a bowl of water. The eggs that will sink are still fresh.
