5 tips to finding the perfect health insurance policy

Mar 30 2024

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With medical costs rising year-over-year, expats around the world, including those in Singapore, are actively seeking an ideal health insurance policy that is both effective and affordable to combat reduced purchasing power.

Health insurance is essential for protecting you from unexpected hefty treatment costs for illnesses and injuries. It also allows you to access top-notch medical facilities and world-class private healthcare services in Singapore.

Our friends at Pacific Prime CXA are here to give you five valuable tips for finding the perfect health insurance policy best suited for your medical needs and budget.

Tip #1: Don’t Decide Solely on Price

It might be tempting to choose the cheaper insurance policy, but there may be a better way to do this than opting for lower coverage and benefits offered. This is because you can always increase deductibles and copayments to lower the monthly premium, which could well be more money-effective than paying for medical coverage you don’t ever need, especially if your employer’s group health plan already provides basic coverage.

Tip #2: Beware of Suspiciously Cheap Plans

Online insurance sales have gained popularity in this digital age, thanks to the convenience of smartphones and the internet in managing insurance claims. This leaves space for scammers to bait consumers into purchasing an unreasonably cheap plan, which could lack even basic coverage for prescription drugs or annual checkups.

Tip #3: Check Reviews and Feedback

Whenever you come across an insurance provider or brokerage on the Internet or ads, it is always advisable to check reviews and feedback from customers on Google and their websites to help with your decision-making process.

Look for experienced, reputable insurance companies with a solid client base. Feel free to ask your friends and families for recommendations as well.

Tip #4: Coverage Levels

Always carefully assess your medical needs. It is possible to tailor plans to fit your unique needs by working with a reputable insurance provider or brokerage.

For example, if you are looking to relocate to Singapore with your family, you might want to look for child or maternity coverage; or if you’re just looking to head there for a month-long trip, you might consider short-term medical insurance with coverage for evacuation and repatriation, emergency inpatient care, and preventive care.

Tip #5: Understand Insurance Jargons

Health insurance is full of industry-specific vocabulary. The meanings of basics such as “benefits”, “coverage”, and “exclusions” are obvious, but some specific terms such as “deductible” or “moratorium” could be trickier to understand.

While some of these jargons may not appear in your insurance policy, it is still a good idea to study them just in case these terms pop up in additional plans you purchase later.

Secure Your Perfect Plan with Pacific Prime

Securing an ideal health insurance plan does not have to be difficult. Keep these tips in mind and reach out to Pacific Prime CXA! With over 20 years of experience in the insurance industry, they can help you compare and find the perfect plan across globally renowned insurance providers.

3 financial rules for expats in Singapore to live by

Mar 27 2024

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Wherever you’re going, expats will want to hang onto some key financial rules, and Singapore is no different. This means you’ll need to make the right financial decisions to suit your relocation. Here, our friends at Pacific Prime CXA provide us with three tips on budgeting in Singapore.

Why Financial Planning Matters

Singapore is one of the most expensive countries for expats. Your expenses are likely to involve housing, transportation, and tuition fees for your children. It’s also worth noting that cars are rare and expensive, so you have alternatives such as the MRT (Mass Rapid Transit) system, buses, and taxis to choose from.

Financial Rules for Expats

Rule #1: Do Your Research Before You Go

Before you leave, make sure to do your research on possible expenses in the country, including comparing equivalents between your local currency and Singaporean Dollars (SGD) first.

Rule #2: Be Realistic About What You Can Afford

The next rule to keep in mind is you have to be realistic about what you can and can’t afford. Buying and renting a property as well as owning a car in Singapore can be overwhelmingly expensive. To make your money stretch as far as possible, look at the most affordable areas to live and their proximity to public transportation.

Rule #3: Know Your Taxes

Singapore requires income tax payment while lacking capital gains tax and inheritance tax. Residents are required to pay 0-22% income tax (for SGD $320,000+), 15-22% tax for non-residents, and 17% corporate tax rates.

Begin Planning

You can start by planning what you’d like to save up for, such as enrolling your kids in school, houses or personal vehicles, or retirement. The point is to define your savings goals and how long it’ll take to reach that goal. Don’t forget to also set aside an emergency fund in case of illnesses, injuries, or job loss.

Conclusion

By doing research on expenses and tax responsibilities, and being realistic about what you can afford, you can make efficient financial plans while living in Singapore.

What Pacific Prime CXA Can Offer to Expats

Pacific Prime CXA, offers various insurance plans for both expats and locals. If you have any questions, please don’t hesitate to get in touch with them for impartial advice and plan comparisons.

16 mega Easter Weekend buffets & meals

Mar 27 2024

Easter falls on March 31 this year, meaning that a long weekend is ahead in Singapore! Whether you’re planning on exploring the island, doing something creative, or just chilling out, it’s got to include a hearty Easter feast! Across the island’s best restaurants, hotels and cafes, there are exclusive menus, hearty roasts, Easter Egg Hunts, chocolate treats, and giant snuggly bunnies just waiting for you! With so much happening, we’ve compiled a round-up of where you can head to make sure you get the best of local and international delights.

InterContinental Singapore

InterContinental Singapore might be the most lavish Easter feast in town on Easter Sunday with the ultimate spread comprising 300 delights, 13 live stations, and Italian, Chinese, and classic favorites from Luce, Man Fu Yuan, and The Lobby Lounge. Our eyes (and bellies) are set on the ice crustacean bar, Australian Wagyu whole OP rib, and ‘St Louis’ barbecue pork ribs. Dessert includes a choux tower, a chocolate fountain, and live candy floss and popcorn stations. There’s also an Easter egg hunt and a bottomless champagne option.

80 Middle Road, 188966 singapore.intercontinental.com

The Fullerton Hotel

Delightful experiences await at the elegant Fullerton Hotel. Indulge in a feast at La Brasserie, featuring fresh seafood and savoury options like Caraway-roasted Pork Belly and Herb-crusted Lamb Rack. Meanwhile, kids can enjoy carnival games, egg hunts, and perhaps a cuddle with the hotel’s friendly bunny mascot. There’s also a bouncy castle, dive ball pit, and canvas painting.

80 Collyer Quay, 049326 fullertonhotels.com

Skai

Experience Easter in style at Skai on the 70th floor of Swissôtel the Stamford. Take in the cityscape as you enter the grand seafood tower, brimming with scallops, prawns, and lobster. Enjoy custom-made dishes like saffron risotto or ras el hanout, and save room for Executive Pastry Chef Ming Choong’s Easter-themed creations, including hot cross buns, macarons, and a mouthwatering piña colada cheesecake.

2 Stamford Road, Level 70, #70-02 Swissôtel The Stamford skai.sg

Lion Brewery Co

Get set for a roaring time at Lion Brewery Co this Easter Sunday 2024. The taproom will be transformed into a space for merrymaking, with a buffet and a dedicated children’s room for activities. Choose from four main courses – the Country Whole Roasted Chicken, Roasted Australian Striploin, BBQ Pork Ribs or Turmeric Roasted Cauliflower. Don’t worry, you’ll get salad and veg on the side, and you guys – THERE’S YORKSHIRE PUDDING! Revellers keen to up their celebration can top up $60++ per person to enjoy free-flowing Prosecco or Aperol Spritz for three hours.

36 Club Street, 069469 lionbreweryco.com

Butcher’s Block

This Easter Sunday lunch on March 31, Butcher’s Block will be showcasing the Easter leg of lamb. Sourced from Margaret River in Australia, the lamb is meticulously brined in buttermilk for 48 hours, then slow-cooked to perfection. Served with grilled English peas, radish, and lamb jus, this dish presents classic flavors with a bold twist.

1 Beach Road, 189673 restaurantsandbars.accor.com

Mosella, Pan Pacific Orchard

Add a dash of excitement to your Easter festivities at Mosella, Pan Pacific Orchard’s modern Mediterranean restaurant! Experience our unique à la carte brunch buffet ($108 per adult, $54 per child), featuring tableside service of sharing plates for an interactive dining experience. Delight in Fine de Claire oysters and Spanish-style favorites like gamba roja al ‘ajillo’ and cochinillo – Spanish suckling pig with apple puree. Don’t miss out on our Easter festival ($15 for adults, $7.50 for children), complete with a bouncing castle, meet and greet with the Easter bunny, egg hunting, face painting, and board game activities.

10 Claymore Road, 229540 www.panpacific.com

Pullman Singapore Hill Street

An Easter brunch bonanza will be taking place at Pullman Singapore Hill Street! On 31 March, Madison’s and Moga are teaming up to create a feast. From lobsters to chicken waffles, there’s something for everyone. While you savour the flavours, kids can dive into face painting, balloon sculptures, and an exciting Easter egg hunt channeling Charlie and the Chocolate Factory. Five golden tickets hidden in chocolate bars await lucky guests, granting them a two-day-one-night stay at the hotel.

1 Hill Street, 179949 pullmansingaporehillstreet.com

The Ritz-Carlton, Milennia Singapore

For an Easter celebration surrounded by museum-quality art, head to The Ritz-Carlton, Millenia Singapore where you can dine on an Easter Sunday Vintage Champagne Brunch at the Colony, while admiring original works by David Hockney, Andy Warhol, Dale Chihuly, Frank Stella and Zhu Wei. Specially for the occasion, the restaurant’s seven show kitchens will be serving up smoked Applewood lamb rack with heirloom carrots; harissa devilled eggs with king prawn and chorizo jam; and an assortment of Easter desserts.

31 March from 12 p.m. to 3.30 p.m. To book, please click here

Verandah Rooftop Rotisserie

Easter Sunday sees a variety of activities and foodie highlights. We’re planning on the slow-roasted Black Angus beef tomahawk with Yorkshire pudding, or the 48-hour brined rotisserie chicken. The egg station serves up crab omelette with crème frâiche and Avruga caviar. There’s an Easter Egg hunt, followed by an amazing mermaid show at the infinity pool by ANZA’s very own cover star, Syrena!

323 Alexandra Road, 7/F Momentus Hotel Alexandra, 159972 momentushotels.com

Meadesmoore

Savour an Easter Sunday roast with meat being the main star at Meadsmoore. Indulge in platters like the anchovy and tarragon roasted half chicken or the Moroccan spice-roasted lamb rump. And of course, don’t go without trying their Wagyu cuts, including the mouthwatering salt-crusted roasted sanchoku Wagyu. Can’t decide? Opt for the Easter roast platter, featuring all three meats for you to sample and enjoy.

21A Boon Tat Street, 069620 meadesmoore.com

Summer Hill

French favourites served right from a dim sum trolley? Don’t mind if we do. Enjoy classics like ham and cheese sandwiches, mussels Normandy, and steak and eggs—all brought to your table on a darling pushcart. There’s also a French fry trolley, featuring tempting treats like duck fat fries and potato pavés. For sure, an Easter Sunday here will be memorable!

442 Orchard Road, 02-17 Claymore Connect, 238879 summerhill.sg

Hub & Spoke Cafe

If you’re travelling our of Singapore this weekend, kids are going to love this spot at Changi airport. On 30 and 31 March, families are invited for authentic Italian dishes before kids get to forage for Easter Eggs from 11am to 12pm or from 1pm to 2pm, with a grand prize up for grabs for the bunny who finds the Golden Egg. Entry to the Easter Egg Hunt is limited to children between 3 to 10 years old (each child to be accompanied by an adult) and includes a complimentary Soft Serve and Goodie Bag.

60 Airport Boulevard #01-T2S-02, Singapore Changi Airport, 819643 changiairport.com

Canopy Garden Dining

This Easter, Canopy’s Easter Egg Hunt is the place to be! Enjoy a family day as while you wine and dine, both kids and furkids can embark on a hunt for hidden treasures amidst beach or garden backdrops. There’ll be an all-day hunt for the grand prize, a Golden Egg packed with surprises including dining vouchers, plushies, pet toys, and more.

From 29 – 31 March, discover the four venues here

Escape Restaurant

The 31 March promises a winning semi-buffet brunch experience. Eggs will be a main attraction (obvs!) alongside artisanal cheeses, fresh salads, and mains. Easter staples like hot cross buns and chocolate eggs will also be in attendance. While you dine, the kids can enjoy the bouncy castle, play in the swimming pool, or embark on an Easter egg hunt around the restaurant.

Farrer Park Station Road, 6/F One Farrer Hotel, 217562 onefarrer.com

Altro Zafferano

Indulge in four courses of Easter delights at Altro Zafferano on March 30. Kick off with a beef tartare featuring smoked egg yolk and zesty Amalfi lemon, setting the stage for a pasta course. For the main event, we recommend the aromatic black cod paired with saffron champagne sauce, or the very Easter lamb loin accompanied by heirloom carrots and a touch of sambuca jus. J

10 Collyer Quay, Level 43, 049315 altrozafferano.sg

Level 33

On 30 and 31 March 30, treat yourself to the signature Easter roast, perfect for sharing among friends and family. Accompanied by gnocchi crafted from the spent grain of their microbrewery, it’s a true culinary delight. Opt for their free-flow beverage package, offering bottomless house-brewed beers, prosecco, and exclusive house wines.

8 Marina Boulevard #33-01, Marina Bay Financial Centre Tower 1, 018981 level33.com.sg

Coaching up at ANZA Netball

Mar 26 2024

ANZA Netball in Singapore is like one big party! It’s not just about the game; it’s about making awesome friends, learning new skills, getting active, and having a blast on the court. Regular training sessions, competitive matches and local leagues ensure there’s never a dull moment. For Dee Butler, an expat from Ireland, ANZA Netball has become a family affair as not only do her three daughters Lucy, 11, and twins Zara and Lina, 8, play, but Dee is one of the esteemed volunteer coaches who shares her expertise, keeps the teams motivated, and makes sure fun is first and foremost. Her biggest challenge? Getting her girls on the court in time for practice! Here’s what fulfils her time as an ANZA coach and what she loves about the programme.

Why ANZA Netball?

When we moved from Sydney to Singapore 10 years ago, we heard about ANZA being a really well-organised and friendly association. When my daughters showed an interest in the game it was my first port of call! This was in 2020 during Covid, but despite the restrictions, we still managed to have fun training in our small groups each Saturday. We found the community to be super-friendly and welcoming from the get-go, and all feel very lucky to be a part of it.

What other sports do your family enjoy together?

We play Gaelic football and enjoy swimming and gymnastics. In school, the girls play soccer and basketball.

How did you become an ANZA Netball volunteer?

The online application for my daughters to sign up for netball included a check box for volunteer coaching. I wasn’t sure if I had enough technical knowledge – it had been several decades since I had played, but I ticked it anyway! I later learned that the ANZA pro coaches do session planning and explain the drills to all the volunteer coaches before training commences each week. This ensures that we all know what we’re doing! With parent volunteers organising and coaching the games there’s a real sense of community and camaraderie; I think it brings a bit of extra cheer and sense of fun!

Dee with her daughters Lucy, Lina, Zara, and Chloe (who can’t wait to start netball next year!)

What Dee’s Daughters Say!

“I like Mum coaching. She helps me learn more about netball and get better at it” – Zara

“I like being in Mum’s group. Sometimes she is strict if I’m not listening!”– Lina

Why would you recommend parents get involved?

I love that the kids get to experience being part of a team and to participate in a club with volunteering at its heart. Adults and children all contributing their time and energy to play sport is a wonderful feeling. Both parents and players get so much out of it, and the feeling of togetherness is very nurturing for all, especially when you’re an expat living away from your respective home.

Teams on tour

One of the highlights of ANZA Netball is the opportunity to travel and participate in tournaments against other clubs and schools. The most recent took place at Marlborough College Malaysia for the Straits Tournament. Five teams headed to the college which boasts fantastic facilities including four outdoor netball courts, and two indoor courts so the matches could be played in fast progression. There almost wasn’t time to stop for food at the local vendors! It was a very successful outing for ANZA, bringing home the champions trophy in all three age groups entered. Dee’s daughter Lucy talks us through the day.

“Travelling on my first overseas tour with ANZA Netball meant getting up at 5am, so that was an early start! But the coach journey was nice and all the teammates got to chat the whole way there. Marlborough College is a lovely setting with lots of trees and greenery. It was really hot, but that didn’t stop us from enjoying the games. At the end, we all had ‘smashed cupcakes’ while we waited on the medals ceremony. One of my favourite parts was spending time with my team. It’s good to make new friends outside of school, and we’ve had a reunion since. A big thank you goes to all the volunteers who coach and put in all the hard work organising tournaments for us.”

Find out more about ANZA Netball here.

Hotspots: Zorba The Greek Taverna

Mar 26 2024

Are we in Singapore or Santorini? It’s hard to tell when perched at one of the outdoor riverside tables at Zorba The Greek Taverna, the national colours of blue and white at every turn. Longer-term expats may recall this restaurant when it was located next door here. Now it has returned to the recently rejuvenated Clarke Quay and it’s a very happy homecoming.

By day, Zorba operates as a charming cafe, offering Mediterranean brunch favourites such as Shakshuka, Greek coffee, and avocado toast with cherry tomato confit, feta cheese, and a pomegranate and balsamic glaze – so far, so Greek. As night falls, it transforms into a bistro serving authentic cuisine crafted meticulously by a team led by a Greek chef. From tantalising mezes to the sizzling perfection of grilled meats and fish, each dish is a testament to Zorba’s commitment to authentic dishes and exquisite flavours.

During a sunny Saturday afternoon, we dived into various items from the menu. In true Med-style, we started with the Dips Platter (S$28), featuring a medley of Tzatziki, Hummus, Tirokafteri, and Taramasalata, accompanied by the warmest, fluffiest pita bread this side of Athens.

No Greek feast is complete without Moussaka, and being a signature dish here, we opted for the beef version. Being a filling dish, we were pleased with the portion size which allowed us to indulge, but also leave room for what was to come. The harmonious balance between the different layers of minced beef, eggplant and potato was spot on; it tasted juicy, hearty and homely. Next, we savoured the Htapothy Sti Shkara, or the more commonly known grilled marinated Gilmar octopus. It was served to perfection in terms of char and texture, and showcased the mastery of simplicity.

Taste sensations kept coming in the shape of the Mixed Grilled Platter (small S$78 / large S$108), featuring Lamb Gyro, Chicken Souvlaki, Duroc Pork Chop, Chips, Baby Salad, and Tzatziki. Each meat piece was a juicy, gorgeously grilled delight.

While Zorba boasts a few signature dishes, focusing on just one or two would be a disservice – here you have to do as the locals would do and go large. Having recently travelled to Greece, this meal served as a journey down memory lane. Surrounded by platters, people, and the internal promise of a postprandial nap, you can fool yourself into thinking you’re on a holiday in the Hellenic Republic.

Being the weekend, we indulged in a couple of Zorba’s cocktail signatures ($20), each one named after a Greek god. Bottles of the famous Greek lager, Mythos, is available too. We also welcomed the chance to hang out with some furry friends: Zorba’s pet-friendly environment is reminiscent of the relaxed and inclusive dining culture in ‘real life’ Greece. Sadly for them though, the food was too good to share.

VERDICT: Whether you’re a seasoned connoisseur of Mediterranean cuisine or a newcomer eager to explore, Zorba’s dishes promise a fantastic culinary experience. The vibrant flavours take you through authentic recipes and invoke many memories. With confidence, I can say that Zorba is my top Greek restaurant destination in Singapore.

Zorba The Greek Taverna
3A River Valley Road, Clarke Quay Block A ORA 1, 179020
zorba.sg

A peek inside The British Club

Mar 25 2024

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Looking for a place to entertain your family this Easter? Visit Singapore’s only hilltop retreat – The British Club Singapore! Voted as the Best Social Club of 2024, the Club offers a unique private community, welcoming over 50 different nationalities, where you can enjoy many exciting events for you and your family.

A Family-Friendly Oasis

Spread across over 5,900 square meters within peaceful surroundings of the lush greenery of Bukit Timah, the British Club offers a wide range of sports and family-oriented facilities. Alongside family Easter events and camps, you’ll discover three swimming pools, four tennis courts, a fully equipped gym, four squash courts, four restaurants, and two kids’ rooms filled with various entertainment options including table football, air hockey, arts and crafts, gaming laptops, and more!

Sports Sections For Every Age

Fuel your family’s passion for sports with an impressive array of facilities at The British Club. You can expose your child to different sports such as swimming, tennis, squash, football, or even the upcoming popular sports – pickleball and padel. With over 10 sports sections to be a part of, your family can have fun together while staying active. Joining a sports section also opens doors to competitive or social play and the chance to forge new friendships!

Outstanding Restaurants Available

With four restaurants and a Splash bar located within the Club, there are many options when it comes to food. Delight in a traditional British Sunday Roast at Mountbatten Bar & Grill or indulge in the popular Fish and Chips at the Windsor Arms while watching live sports matches or enjoying live music on a Friday night. With a tempting selection of kid-friendly dishes, weekend family lunches are guaranteed to be a hit. With discounted prices for members, dining out has never been more affordable or enjoyable!

Exclusive Events & Activities for all Ages

Elevate your social calendar with the Club’s exclusive holiday-themed events and exciting activities. From pool parties to festive celebrations like the annual Christmas tree lighting and gingerbread-making workshops, there’s never a dull moment at The British Club. Join us for an Easter Egg hunt, Comedy Nights, Halloween and Guy Fawkes fireworks, and more! The Club also hosts an annual charity ball off-site to celebrate the year and bring the community together.

Your Home Away From Home

With members of over 50 nationalities at the Club, The British Club Singapore allows members to unwind, connect, and create precious memories together. If you’re looking for a place to escape and relax with the family, join us at The British Club Singapore for an unforgettable family experience filled with laughter, adventure, and memorable moments. We can’t wait to welcome you into our community!

Discover more and book your tour today at The British Club Singapore!

Ask The Expert: What superannuation tips will help my retirement nest to grow?

Mar 23 2024

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Australian superannuation is a long-term savings plan for retirement. Whilst you’re an expat working outside of Australia, you no longer receive superannuation contributions from your employer and many of you will start to question if you have enough in your super for retirement.

As a non-resident, you can continue to make superannuation contributions to superannuation funds in Australia. However, you are not allowed to have a self-managed superannuation fund (SMSF) as the SMSF will be non-complying, and this can result in paying as much as 45% tax.

If you do not have any Australian assessable income, any superannuation contribution would be a non-concessional contribution and this forms the tax-free component. The non-concessional contribution annual cap for the 2024 financial year is $110,000.

When you have a property in Australia that is net positive after taking into consideration depreciation expenses, you can consider making a concessional contribution to reduce the tax payable. The deduction is only to the extent that it would reduce taxable income to zero. The concessional contribution cap for the 2024 financial year is $27,500. Income derived from interest, unfranked dividends, and royalties are subjected to withholding taxes in Australia and a tax deduction cannot be claimed against this type of income.

A minimum upfront savings of 17.5% is attractive, but you must take into consideration the ongoing 15% tax on investment earnings during the accumulation phase. For each contribution, the rules around age, contribution caps, transfer balance cap, and division 293 impact must be considered.

If you have the intention to ultimately reside in Australia, one alternative strategy is to hold investments through an investment-linked life-insurance bond where any withdrawals after 10 years are tax-free. As long as the contribution does not exceed 125% of the previous year’s contribution, it will be considered part of the initial investment. This means each additional contribution does not need to be invested for the full 10 years to receive the full tax benefits.

If the contribution exceeds 125% of the previous year’s investment, the start date of the 10-year period will reset to the start of the investment year in which the excess contributions are made. You will then have to wait for a further 10 years from this date to gain the full tax benefit.

Any withdrawals made whilst you are a Singapore tax resident is tax-free. If you are residing in Australia, tax is payable on withdrawal.

It is important to compare this against your investment timeline and horizon. Unlike superannuation, access is not based on reaching retirement age, therefore providing you with more flexibility. Superannuation can be complicated, so make sure you reach out to a professional to discuss your contributions before you make them.

The levels and bases of taxation and reliefs from taxation can change at any time. The value of any tax relief depends on individual circumstances. You are advised to seek independent tax advice from suitably qualified professionals before making any decision as to the tax implications of any investment. The value of an investment with St. James’s Place will be directly linked to the performance of the funds selected and may fall as well as rise. You may get back less than the amount invested.

Please contact Diana on diana.chua@sjpp.asia or +65 8807 2552 if you would like her to provide guidance on Australian tax matters or would be interested in a complimentary review of your personal financial situation together with one of our wealth planners.

The ‘St. James’s Place Partnership’ and the titles ‘Partner’ and ‘Partner Practice’ are marketing terms used to describe St. James’s Place representatives. Members of the St. James’s Place Partnership in Singapore represent St. James’s Place (Singapore) Private Limited, which is part of the St. James’s Place Wealth Management Group, and it is regulated by the Monetary Authority of Singapore and is a member of the Investment Management Association of Singapore and Association of Financial Advisers (Singapore). Company Registration No. 200406398R. Capital Markets Services Licence No. CMS100851.
St. James’s Place Wealth Management Group Ltd Registered Office: St. James’s Place House, 1 Tetbury Road, Cirencester, Gloucestershire, GL7 1FP, United Kingdom.
Registered in England Number 02627518.

The power of connection

Mar 21 2024

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Empathy, understanding, and a sense of belonging and closeness can bring about a host of positive emotions impacting our physical and emotional health. The Covid-19 pandemic, by contrast, was a stark reminder of how isolation can trigger a worsening of mental health for so many people, some of whom considered themselves resilient.

With an impact across other pillars of Lifestyle Medicine – nutrition, physical activity, sleep, use of harmful substances, and stress reduction, the quality of our social connections occupies a uniquely important place. How often do we, as doctors, ask our patients about how connected they feel to those around them? Perhaps not as often as we should.

Evidence suggests that having positive social connections reduces the risk of chronic diseases such as coronary artery disease, strokes, diabetes, and mental health disorders, including dementia. It improves immunity against infectious diseases. We know that it is an independent protective factor in prolonging a healthy lifespan – a study with 300,000 people found that survival in chronic disease increased by 50% in those with strong social connections.

On the other hand, those who experience social isolation or loneliness are more prone to chronic disease and may face early death. They face similar risks to those who smoke 15 cigarettes a day or consume excessive alcohol. Their risk of mortality exceeds that of physical inactivity or obesity!

A prolonged period with insufficient social connection triggers an inflammatory response in the body, manifesting in increased body fat, raised blood pressure and a spike in stress hormones. Unhappy individuals are more likely to indulge in less healthy behaviours regarding their diet, exercise, alcohol and smoking, resulting in worsening inflammation and chronic disease.

As Lifestyle Medicine specialists with a coaching approach, social connection is stressed, and support is offered. Clinical data from more than 40,000 patients revealed that patients receiving psychosocial support in addition to usual treatment were 20% more likely to survive in general and 29% more likely to survive longer than patients who received standard medical treatment. This underscores the benefits of an integrated Lifestyle Medicine approach for patients.

Suggestions to improve connectedness include:

Joining social groups or activities you enjoy; meeting people with a common interest, e.g. a book club, hiking group, volunteering
If someone has a serious illness, the company of a group is invaluable in providing support and advice
Reaching out to people or seeing a counsellor if you are shy
Seeking help from a couples counsellor, as a troubled relationship can do a lot of harm to your health
Forgiveness, gratitude, and mindfulness can also help.

Dr Charu Narayanan, International Medical Clinic – Katong trained in nutritional Medicine and studied Lifestyle Medicine to obtain the International Board Certification in Lifestyle Medicine conferred by the American College of Lifestyle Medicine in 2020. She is uniquely positioned as a doctor to personalise healthcare and work with patients to reverse/reduce disease risk rather than just treat it.
www.imc-healthcare.com

6 spots for “sakura” in Singapore

Mar 20 2024

Heading to Japan to see the blossoming sakura is on the bucket lists of many floral fans. According to all the flowery forecasts for 2024, late March and April is the time to do it. However, if you can’t get yourself to the blooming cities of Tokyo, Kyoto and Osaka, there are a few spots right here on the red dot where you can witness Singapore’s version of sakura.

While cherry blossoms are not native in the Lion City, “trumpet trees” – Singapore’s version of pink and white version of sakura – also bloom between March and April according to National Parks Board (NParks).

Singapore’s “sakura” trees typically flower after spells of hot, dry weather and heavy rain last for several days before falling to the ground. While we can’t guarantee that they’ll be out in force over the following weeks (hello climate change), being out in nature is a winner for health and wellbeing, plus they make very pretty pictures. With a host of soothing parks and open spaces in Singapore, here’s where to look out for sightings.

Gardens by the Bay

Japan comes to Gardens by the Bay this March with its annual sakura floral display featuring over 150 cherry blossom trees of over 40 varieties. If you think that sounds pretty, for the first time in the display’s nine-year history, the daytime experience extends into a nighttime one, showcasing all kinds of magic, including light projections in the Flower Dome. A shimmering pavilion reminiscent of Kyoto’s UNESCO World Heritage Site Kinkakuji (Golden Pavilion) takes centre stage, which includes an actual temple, miniature traditional thatched house from Miyama Village, and elements of Japanese gardens. As dusk falls, the cherry blossom trees will be illuminated in the same way they’re lit up in Japan during sakura season, creating an alternative way to experience the wow.

From March 22 to April 21. gardensbythebay.com.sg

Japanese Cemetery Park

This lovely Japanese Cemetery Park is well-known for being the largest and well-preserved Japanese cemetery in Southeast Asia. After an everlasting renovation, it’s back and more beautiful than ever with updated bridges, streams, open spaces, mini prayer hall and a showstopping gorgeous floral arch, adorned with pink trumpet flowers. The arch stretches from one end to the other of the park, making you feel like you’re in some kind of period drama as you stroll beneath the petals.

825B Chuan Hoe Avenue, 54985

Bishan-AMK Park

Bishan-AMK Park is a brilliant park, full of vast, open spaces, and home to the joy that is Aramsa Spa (currently having a face lift, but watch this space). Packed with pretty spots, we say head there to catch a glimpse of the trumpet trees forming a sweeping carpet, then head to the spa for a pampering session to make you feel as fresh as the flowers.

Connaught Drive, Singapore 179682

Telok Blangah Hill Park

Around this time of year, Telok Blangah Hill Park can resemble a fairytale garden with its terrace surrounded by a sea of not only pink trumpet petals, but stunning bougainvillea flowers. Stroll down the stone steps and strike a pose for some excellent insta snaps.

10 Telok Blangah Green, 109178 (15 minutes away from the Telok Blangah MRT station)

East Coast Park

Combine flowery wonder with fitness as you get on your bike and cycle past the dazzling displays along East Coast Park. Go far enough (past PS Café at least) and you’ll also come across a bougainvillea garden which includes many a trumpet shrub with views of the beach and sea behind them.

Ulu Pandan Park Connector

A bit of a hidden gem this one, Ulu Pandan Park Connector boasts flowering trees along this specific stretch giving a rustic charm similar to the streets of Japan. Run, rollerblade, or cycle past the “sakura” offerings before embarking on some otter-spotting. An eclectic combination of activities if ever there was one!

Western Ulu Pandan Park Connector, Bukit Batok East Ave 2

7 lesser-known facts about Singapore

Mar 18 2024

Who donated ancient buildings to the island?

Did you know that in 2009, film star Jackie Chan donated a pavilion, opera stage, and two houses named Da Tong and Du Zhe to Singapore? Each one is said to date back to the Qing and Ming dynasties (around 380 years ago), and they stand proud at Singapore University of Technology and Design at 8 Somapah Road. Significant restoration work was carried out by a team of 24 craftsmen from China, who were brought in to restore the properties to their original glory.

What was Bugis MRT station originally called?

The station as we know it today was named after the Bugis people – a seafaring tribe from South Sulawesi who were among the first groups to arrive in Singapore after the British established a trading settlement on the island in 1819. The wider area was known as ‘Rochore’ (and still is today), but the station was originally called Victoria. It was renamed Bugis in 1985.

Where can you find a stash of soy sauce bottles?

We’re all familiar with Sultan Mosque, or Masjid Sultan, the biggest mosque in Singapore. It stands resplendent in Kampong Glam and is one of most photographed locations on the red dot. But if you look a little closer at its majestic, glistening gold domes, something else might catch your eye. The reflective black strip that follows beneath the dome is lined with soy sauce bottles! According to historians, the bottles were sourced from poor Muslim families when the mosque was built in 1826. A reconstruction in 1924 led to the bottles today symbolising the entire Muslim population, regardless of wealth, who contributed to the most important mosque on the island.

What ‘World Day’ was pioneered by Singapore?

An achievement to go potty about (Image: Jack Sim FB)

The red dot is a famously sanitised city-state, but you may not know the island pioneered ‘World Toilet Day’. Yes, back in 2001, dunny-lovin’ Singapore proposed making 19 November ‘World Toilet Day.’ A whopping 122 countries backed the idea, and the World Toilet Organisation (worldtoilet.org) was born. That’s what we call a flushing success!

In what unusual place is SG’s national anthem?

Money is big business in Singapore, so it’s no wonder they decided to go for it with their S$1,000 banknote. Until 2021, not only was it possible to get a note in this hefty domination, but written on the back in micro text was the entire Singaporean national anthem. Issuance of S$1,000 notes was discontinued by the Monetary Authority of Singapore, although notes in circulation remain legal tender.

Has the red dot ever disappeared?

The red dot is firmly on the map now, but it wasn’t always this way. Back in the 1600s, the island and its attractive trading port were generating much interest. This caused pirates to attack and burn the early settlement down in 1613, leaving it obsolete for more than a hundred years. It wasn’t until Sir Stamford Raffles established Singapore as a British trading post in 1819 that SG returned to the map for good.

Which body part was once deemed unacceptable in SG?

Chewing gum, vaping, and being a public nuisance are all out in Singapore, but did you know that having long hair was a big no-no for males from the 1960s to the 1990s? Back then, flowing locks on guys was deemed to be detrimental to the country and men with it were turned away at immigration checkpoints. As if that wasn’t enough to get Head & Shoulders weeping (perhaps), bands with unruly manes such as Led Zeppelin and the Bee Gees had to cancel their Singapore tours. In June 1970, lengthy-haired male performers were forbidden from appearing on locally recorded television programmes.

Sources: Monetary Authority of Singapore, National Library Board, biblioasia.nlb.gov.sg

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