5 Highest Paying Jobs In Singapore’s Healthcare Sector

Singapore’s Healthcare Sector consists of the private healthcare systems, public healthcare systems, and voluntary organizations. A job at this sector entails hard work, long hours, dedication to studies, and attractive pay.

JobStreet.com, a premier online recruitment company in Asia, conducted a nationwide study in 2013 and found that the highest paid fresh graduates were doctors. With an average starting pay of over S$3,000 a month, entry-level doctors even surpassed the starting pay of corporate finance’s fresh graduates!

Salary.sg, a website dedicated to relay information on career and jobs, used the Ministry of Manpower Wage Data (2014) and excluded the bonuses and profit-sharing to generate the monthly gross wages of over a hundred jobs in Singapore.

Applying that information with your desire to earn big, you may consider these five jobs:

Image Credits: pixabay.com (License: CC0 Public Domain)

Image Credits: pixabay.com (License: CC0 Public Domain)

5. MEDICAL RESEARCH SCIENTISTS

Medical Research Scientists can be found in universities, research institutions, and hospitals. They make and conduct experiments in order to increase our scientific knowledge in areas such as treatments or drugs. They earn a median monthly wage of S$6,489.

4. HEALTH SERVICE MANAGER

The Health Service Manager is responsible for the daily running of the hospital or the community health center. Managers liaise with clinical and non-clinical staff while considering the demands of the local laws and local situations. Interestingly, they earn about S$7,848 a month.

3. GENERAL PRACTITIONERS

General Practitioners (GP) give primary and continuing care for patients by taking physical, emotional, and social factors into account when diagnosing disorders and prescribing the appropriate treatments. GP’s in Singapore earn an average of S$16,354 per month.

2. CLINICAL DIRECTORS

A Clinical Director’s responsibilities include the management and quality assurance of clinical services as well as the training and supervision of all the healthcare staff. They earn a median monthly salary of S$25,000.

1. SPECIALIST MEDICAL PRACTITIONERS

Specialist Medical Practitioners diagnose and treat the disorders of patients in a wide range of areas including anaesthesiology, pathology, internal medicine, ophthalmology, pediatrics, dermatology, surgery, and radiology. Depending on the area of specialization, Specialist Medical Practitioners can have demanding and irregular shifts. But, all is compensated as they earn an average monthly salary of up to S$30,250!

Image Credits: pixabay.com (License: CC0 Public Domain)

Image Credits: pixabay.com (License: CC0 Public Domain)

Sources:1, 2, 3, & 4

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Learn To Play A Musical Instrument For Free In 5 Ways

There is something extraordinary about being able to learn a new skill or achieve something new on your own, especially if you started from scratch. For instance, self-made millionaires are so admirable that we want to know their secret to success.

If you aspire to become a self-taught musician, look no further because this article will give five ways to achieve your dream. Start by finding the right instrument for you. The instrument that you shall choose must dictate the type of music you like or must resonate the type of music you visualize recreating.

1. EXPLORING THE WORLD OF MUSIC

If you want to explore the world of music, it is a good idea to start with the history first. Annenberg Learner’s Exploring the World of Music consists of a series of half-hour videos that examine topics such as sound, melody, harmony, music memory, music composers, and so on.

The featured artists perform music from Bosnia to India and Ireland to West Africa. Learn even more with the related printable materials that are available on the website for free.

2. ONLINE MUSIC THEORY GAME

With its simplistic lessons and user-friendly interface, a beginner can truly appreciate the “Online Music Theory Game”. Online Music Theory Game offers a myriad of lessons on multiple instruments such as keyboard and guitar. Its lessons include the discussion of the music fundamentals such as note duration, major and minor scales, and key signatures.

Try browsing through the lessons, here.

3. SELFTAUGHTGUITARLESSONS.COM

If you are eyeing on the sleek guitar as your instrument of choice, SelfTaughtGuitarLessons.com is a good place to start because it covers everything from the basics including how to purchase your first guitar and what its parts are. Little by little, you will be able to learn the chords and scales with the informative articles and videos. A glossary that includes the musicians’ lingo is just an added bonus of the site.

4. PLAYPERFECT MUSIC PRACTICE SOFTWARE

PlayPerfect Music Practice Software allows you to practice musical pieces by setting its speed, tempo, and visual cues. Notes display a change of color as you play and you can practice playing with or without the metronome. You can use it for any instruments such as violin, guitar, piano, cello, bass, flute, or saxophone. It is available to download for free on your Windows 7, 8, 10, Vista, and XP.

5. YOUTUBE

YouTube, a video-sharing website, is not limited to the cute cat or provocative music videos. It stores a lot of tutorials too! Simply type the musical instrument you want to play on the search tab and put the word “tutorial for beginners” beside it and click enter. Now, you will see a screen full of tutorial videos you can choose from.

Here are just some of them:

a. Flute Tutorials

b. Violin Tutorials

c. Piano Tutorials

Image Credits: pixabay.com (License: CC0 Public Domain)

Image Credits: pixabay.com (License: CC0 Public Domain)

Have fun learning! 🙂

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Haze 101: Here’s How to Survive and Thrive during Haze

Haze 3

The haze is back, and you know what it means: harmful effects to your health. Haze pollutants, which are usually fine particulates, are small enough to be inhaled and penetrate the lungs, causing different respiratory problems and even premature death.

While the government works to reduce the impact of haze, you can keep safe with these tips:

Know your risks

The haze pollutants are bad for the health, but they’re more dangerous for certain people. These include:

  •         Children
  •         Pregnant
  •         Elderly people
  •         People diagnosed with heart or lung disease
  •         People who are prone to respiratory problems like asthma

Use the chart below to help you plan your 24-hour activities:

Haze 1

Source: http://www.e101.gov.sg/

If you have been feeling unwell especially since the beginning of the haze, seek medical help as soon as possible.

Monitor the haze

The Pollutant Standards Index (PSI) measures the level of pollution in the atmosphere based on 6 factors. In normal conditions, PSI is moderate or between 51 and 100. However, when there’s haze, it can go up to more than 200.

To know whether it’s a good time to put on the mask, go outdoors, or do certain activities, keep track of the PSI readings. The readings may vary from day to day, depending on other weather-related factors such as wind direction and speed as well as presence of rain. It can also be different in terms of location.   

Invest in an air purifier

One of the safety precautions you can take if there’s a serious haze is to stay indoors, but sometimes particulates can still get inside your home, not to mention your own house can have plenty of pollutants from dust, mould, and pet dander. To control the ill effects of indoor pollution, buy a good-quality air purifier, which filters and cleans air more effectively than carbon or UV filters.  

Air purifiers, depending on factors such as brand and features, are more expensive than filters. To save on costs or to get rewards points, charge this purchase to your credit card. If you don’t have one yet, you can apply for a credit card now and start saving money.

Wear a mask

A mask is your best option if you need to be outdoors and the haze level is unhealthy or critical. The Ministry of Health (MOH) recommends an N95 mask, which is available in major supermarkets and pharmacies such as FairPrice, Cold Storage, and NTUC. They are considered to be at least 95% efficient against particulates from 0.1 to 0.3 microns and 99% against 0.75 microns and above.

There are different types of N95 masks based on comfort, design, and size. Regardless of your choice, these masks must fit your face properly. Below is a guide on how to wear your mask:

Haze 2

Prolonged mask use may cause discomfort and sometimes difficulty in breathing. If this happens, remove the mask and rest. You can also choose not to wear them if you’re indoors or travelling only short distances. These masks can be reused, but they need to be changed if they are already soiled or the shape has been distorted.

Although many sell masks to children, N95 masks are not generally designed for them, so you may want to adjust the length of the cord and carefully pick the right size. Lastly, N95 masks are not surgical masks as the latter cannot offer the same protection against particulates that N95 masks do.

Consider working from home

Ask your boss if you can do your work at home while the haze is still actively present to limit your outdoor movements.

When it comes to fighting the haze, it’s always best to put your safety and health first above everything else.

(This article is brought to you by SingSaver.com.sg)

Resources

http://haze.asean.org/?page_id=249

http://www.e101.gov.sg/haze/psi.htm

http://www.haze.gov.sg/haze-updates/psi-readings-over-the-last-24-hours

http://thehoneycombers.com/singapore/the-haze-is-back-bring-out-the-air-purifier-singapore/

http://www.singsaver.com.sg/blog/7-ways-the-haze-in-singapore-is-costing-you-money

http://www.singsaver.com.sg/credit-card/cashback

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Don’t Be Fooled By The Con: 5 Ways To Avoid Rip-Offs

With the technological advances in this day and age, scammers are becoming more sophisticated and effective. But, no matter how charismatic and persuasive a con artist can be, you can avoid losing money by following these 5 ways:

1. DO NOT GIVE YOUR BANK DETAILS OVER THE PHONE

Most of the phones today have caller ID that shows you the number of the person or the company on the other end of the line. If you do not recognize the number or the caller and he or she asked you for your valued bank details, say you will call back. Wait for a few minutes then, try to call the number again to access the validity of the caller.

It is better to not give any sensitive details over the phone, unless if you initiated the call. Simply, if you do not recognize the caller’s number and the area code is not +65 (Singapore’s area code) then, it is most likely a scam.

2. BE CAREFUL WITH THE LINKS

To avoid downloading virus or other malware, only open attachments and links that were given by your friends, family, partners, and clients.

Apply this rule for emails and social media messaging. For instance, there was a scam that used a fake Facebook game based on the popular “Twilight” series to gather the personal information of the Twilight fans.

3. BE CAREFUL WITH YOUR EMAILS

There are three “Don’ts” that you must follow to avoid becoming the target of an online scam:

a. Do not provide your personal email address freely.
b. Do not respond to emails that are asking for your personal information.
c. Do not answer emails whose senders are unknown.

Image Credits: Wikiphoto (Creative Commons License)

Image Credits: Wikiphoto (Creative Commons License)

 

4. KEEP AN EYE ON YOUR DEBIT AND CREDIT CARD REPORTS

If someone else assumes your identity or steals your wealth, a good way to find evidence of the crime is by checking your credit card statements. I am sure that most of the banks have online banking now so, you will have the convenience to track your spendings anytime and anywhere. Report any suspicious activity to your bank right away.

Aside from credit card fraud, you can lose more money if you are a victim of debit card fraud. Since your debit card is connected directly to your savings, losses can be more extensive. And, money will be harder to recover. This is why you must check your account frequently and be vigilant of the people who stand close to you while you are using your debit card.

5. DO NOT BE AFRAID TO DISCUSS WITH OTHERS

Con artists seek those individuals who are perceived as solitary, trusting, and gullible. If an opportunity (e.g., a new business venture or a new insurance scheme) arrives at your doorstep, do not hesitate to ask for more time to think things through.

Before making a huge decision, it is important to consider the situation and the consequences carefully. Tell the agent or the potential con artist this: “I will discuss this with my lawyer and my partner. After which, I will get back to you.”

money-bag-400301_640

Sources: 1 & 2

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Best Economics Documentaries For Finance Professionals And Enthusiasts

The best cinematic art illustrates human conditions and life in general. One type of cinematic art called “documentary”, imitates life and factual records as close as possible.

Enjoy at least two of these wonderfully made films especially if you are taking up finance and economics as a subject at school or as a career. These documentaries will not only help you understand the history of money but also the humanistic system that revolves around it.

1. FOUR HORSEMEN

Four Horsemen is one of my favorite documentaries of all time. It is controversial and eye-opening. An award-winning film by Ross Ashcroft, Four Horsemen criticizes the system of debt-based economy, fractional reserve banking, and political lobbying by banks. Join Joseph Stiglitz, Noam Chomsky, and 21 leading thinkers as they discuss how the world works and how to solve the failed systems at present time.

They travel through the centuries and examine the systems that shaped empires. These systems manipulated and even corrupted the minds of the many to serve the interests of the few. Learn more about these said systems by watching the full-length documentary, here.

2. THE FALL OF LEHMAN BROTHERS

Sometimes, we learn the most by observing and avoiding the mistakes of others. What better way to learn than by watching “The Fall of Lehman Brothers” – a firm that filed the largest bankruptcy in the United States history.

On September 15, 2008, financial services firm called the Lehman Brothers filed for Chapter 11 bankruptcy protection with Lehman holding over US$600 (S$834) billion in assets. The following day, Barclays bank announced its agreement to purchase Lehman’s North American investment-banking and trading divisions along with its New York headquarters building. Watch as these events unfold in the full-length documentary, here.

3. 25 MILLION POUNDS

Like most of the people, Nick Leeson wanted to be affluent and successful and he had extraordinary abilities of manipulation and deceit to back it up. This documentary tackles how he deceived the people around him and how these people were deceived. Lured by the possibilities of getting vast sums of money, these people lost 830 million pounds all together. This true story was so powerful that filmmakers were inspired to make an adaptation called “Rogue Trader”, which starred Ewan McGregor.

Watch how Nick Leeson uses friendship to rip-off people at this full-length documentary.

4. THE ASCENT OF MONEY

On this list, “The Ascent of Money” is the one that deeply touches the base of the world’s financial history. It will give finance professionals a greater understanding and perspective of how the financial world works. Watch as Professor Niall Furguson takes you to the beginning of the financial world from the ancient city of Babylon to the new-age financial crisis in 2008.

Be forewarned that this film lasts for 300 minutes so, you must dedicate time or chunks of it if you really want to absorb its essence.

Image Credits: pixabay.com (License: CC0 Public Domain)

Image Credits: pixabay.com (License: CC0 Public Domain)

Sources: 1 & 2

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