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Expats settling abroad: Should I buy or rent?

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One of the most important and challenging decisions faced by expats moving to a new country is whether they will buy or rent a house. It’s a decision that requires substantial financial implications, lifestyle considerations, and long-term preparations. It ultimately depends on individual circumstances and preferences as each option has its pros and cons. Read on as we help expats to find meaningful reasons to come up with a decision to rent or buy a home in their new country of residence.

Assessing Financial Factors

The primary concern for expats deciding between buying and renting is their financial capacity and considerations. With renting, they can have a home at lower costs including security deposits and agency fees. Meanwhile, when buying a house, they would need a hefty downpayment aside from settling legal fees and other taxes.

If we are talking about long-term benefits, it is more cost-effective to buy a property especially if mortgage payments are comparable to or less than the monthly rent. Moreover, buying a house or property can provide a form of financial security and build equity over time. However, many factors can greatly affect both rental affordability and homeownership expenses such as economic conditions, currency exchange rates, and interest rates.

Length of Stay & Moving Conditions

The length of the stay in the new country is another factor to consider by expats. Renting is a preferable choice if the stay is only short-term or the nature of your job requires relocation. Renting offers flexibility and convenience as it lets expats move without the hassle of selling a property or facing potential losses in an unstable market.

Meanwhile, buying a property may be a more beneficial option for expats looking to settle for a longer period in a new country. By buying a house, they can enjoy stable living conditions and benefit from possible market appreciation. Expats should also understand the resale and rental market conditions in their new location, particularly if they need to sell or rent out the property due to an unanticipated relocation.

Local Real Estate Market Trends: A Factor to Consider

In coming up with decisions to buy or rent a property, the dynamics of the local real estate market is an important factor. Buying a property could result in capital appreciation if the market is thriving. However, renting might be a better choice in a stagnant or deteriorating market.

Another point of assessment is the availability of rental properties and their pricing compared to buying. Expats should also understand the new country’s government regulations, taxes, and property ownership rules for foreigners. It can complicate the process and affect the possibility of buying properties as some countries impose limitations on foreign ownership.

Community Integration & Lifestyle Choices

The advantage of renting is that it allows foreign investors to test the waters first before buying a property. This “dry run” gives them the opportunity to get a feel for the lifestyle, explore neighborhoods, and try local amenities.

Buying might be more appropriate if expats look for a modified and stable living environment. Homeownership provides a sense of stability and allows customization of living spaces to one’s preference. However, if an expat relishes exploring different parts of a city or district before settling down, then they must consider the need for flexible living conditions.

Rented and owned properties may differ in terms of availability of amenities like furnished apartments, maintenance services, and security. Expats should evaluate these factors first if they are aligned with their lifestyle needs before making a decision.

Personal & Family Needs

When deciding whether to buy or rent, it is essential to consider personal circumstances, such as family size and other plans. Buying a home is ideal for families or individuals planning to stay long-term as it offers stability, the ability to customize the space, and potential cost savings over time.

Other things to look into are the proximity of the property to essential services like schools, healthcare facilities, and public transportation. Certain neighborhoods may be more favorable for renters or buyers, which is why expats should weigh their preferences before deciding whether to rent or buy a house.

Another vital consideration is the cultural integration. Expats may be inclined to rent if they prefer to be part of a familiar expat community. They may also decide to buy if they seek deeper cultural immersion in an established local area.

Buying vs. Renting for Expats: Pros and Cons

Buying Pros: Budding long-term investment gains, the opportunity for customization, building equity, and possible property appreciation

Buying Cons: Possible difficulties in reselling, challenges in maintenance, high initial costs, and market risks

Renting Pros: Ability to live in better locations without a large financial commitment, less initial costs, flexibility to move, and limited accountability for maintenance

Renting Cons: limited customization of living space, no equity build-up, and rent cost may increase over time

Experts to Guide Decision Making

It can be overwhelming for expats to decide whether to rent or buy a house, which is why professional guidance is beneficial for them. With the help of local real estate agents, expats can gain insights into the property’s neighborhoods, current market conditions, and other guidelines.

Expats can also get assistance from financial advisors and legal experts concentrating on expat finances and property law, especially in managing risks and understanding the long-term implications of buying or renting a property.

They can also join expat forums and online communities for them to obtain practical advice and useful tips from individuals who faced similar circumstances.

In Singapore, foreign investors eyeing luxury real estate can explore The Orie which is an upcoming new launch condo in Toa Payoh town. They can visit The Orie Showflat to discover high-end living spaces and learn more about investment possibilities in Singapore, one of Asia’s most vibrant real property markets.

Meet the Singapore death doula changing how we approach grief

Certain subjects can lead to strained conversations: money, politics, who invented Fish ‘n’ Chips and, of course, death. For Singaporean Tan Ming Li, death was a “taboo topic” she grew up with. However, personal loss has shaped her path to try to demystify death and foster open conversations about grief.

Through her social venture, The Life Review, Ming Li hosts Death Over Dinner, a unique event where people gather together to discuss their experiences of loss over a meal. Through doing so they form a burgeoning community who are striving for connection and striving to find a more compassionate approach to life and death.

Ming Li at one of her Death Over Dinner events

When did you first experience loss through death?
My mother passed away from cancer when I was 17. She was undergoing radiotherapy and Dad said, “Don’t worry, she will recover.” It was conveyed to me as “It’s okay, Mum is going to be fine,” so I didn’t think much about it. Within a week, she was gone. After her funeral, I returned to school and nobody knew what had happened. My family didn’t talk about it. I had no understanding of my emotions and no idea how to handle my grief.

How did this shape your understanding of grief?
In the years that followed, other family members passed away, including my father. Each time, I went through the ceremonies and rituals that accompany death because that’s what I was told to do as a kid, but there was no processing or talking about how I was feeling. Seeking help or talking to a counseller in Singapore was not an option back then.

Why was this?
It was – and still is – a taboo subject, especially for the Chinese community. Older generations will say, “If I think about death, it will come to my door.” I started to question this. I think this attitude comes from the fear of the unknown; if I don’t talk about it, I won’t have to face it.

What led you to delve deeper?
I’ve always been interested in social work. During my university years, I volunteered to support children with special needs. I also taught yoga and breathing at institutions such as the Society for the Physically Disabled (SPD) and the Institute of Mental Health (IMH). In my 20s, I moved from Singapore to work in Thailand for a social enterprise. Here I saw how other cultures dealt with death, and I realised the experience could perhaps be handled differently.

With her mother, who passed away when she was 17

How did you integrate your realisation into your work?
When I returned to Singapore, I had the opportunity to support some mothers who’d lost children through miscarriage, suicide, and natural causes. These women were so strong, but also acknowledged their need for self-care. One mother who had chronic back pain concluded that it was due to not allowing herself to grieve. Another lady had insomnia, which turned out to be grief. I grew increasingly curious about how to better support them.

How did you become a death doula?
At the end of 2022, I looked further into bereavement and discovered the work of a death doula. I found a course at the International End of Life Doula Association, New York, and signed up. It took me into a whole new world of pre-death preparation, discussing legacies, patient support, and grief support for those left behind. After the doula course I joined a Master of Science degree in Thanatology, which is the study of all that is “end of life” and non-medical – the psychological, spiritual, and cultural aspects of death.

Tell us about The Life Review …
We launched in 2023 as a non-profit, non-religious organisation. We focus on education, reflection, and discussion around death, using films, arts, and poetry to bring this subject to the forefront. Death Over Dinner is in fact a global movement that originated in the US in 2013, but I tailored the Singapore version to have a focus on food. Some of our dinners are called Death Over Dim Sum.

SG’s Death Over Dinner events have a focus on food

How does it work?
Death Over Dinner invites strangers to come together to learn, talk, and receive comfort and support on the subject of death. The last event took place at the South Indian restaurant Podi & Poriyal. Participants were served dishes containing ingredients with a special life and death significance in South Indian culture, such as black sesame seeds, which signify purification, and jackfruit, the wood of which is often used as funeral pyre logs during cremation.

Who comes along?
We have 20-30 participants of different ages and backgrounds. Death Over Dinner is available for everyone, but especially the “sandwich generation” aged between 45-60 who have children and elderly parents to care for.

What do participants experience during these dinners?
I try to lead by example, sharing my experience of the death of my mother. While not compulsory, I ask people to bring an item with them to start their personal story – a photo, something belonging to a pet, or a child, or a rosary. I want everyone to have conversations about death and to learn the importance of expressing emotions now, such as “I miss you” or “I love you.” Some people cry, but it’s not like everyone is sobbing and traumatised. The dinner is more about releasing emotions and being allowed to connect in a safe space.

Can you share more of The Life Review’s initiatives?
The End of Life Literacy Programme is for non-professional caregivers of loved ones with long-term illnesses like dementia, cancer, or kidney dialysis. We’re working to bring this programme to as many caregivers as possible. We support the LGBTQ community, who may find it difficult to grieve openly, and we also focus on men who are less likely to show emotion. In addition, we’re devising a programme to help children better understand death. I hope that in five years, Singapore will have a more holistic approach to death, dying and bereavement through music and the arts.

How do you feel looking back on yourself as a 17 year old?
Facing death as a teenager was painful and awful, but creating The Life Review is a silver lining. This is a legacy for my parents. Usually, Chinese children give their parents money, but I cannot do that. This is my way of giving back to the mother and father I lost.

What’s your hope for the future?
That those in grief and pain can receive help without shame or fear of judgment. I want people to know that support is available. The more people I can encourage to join us, the better.

What has learning about death taught you about life?
It was only later in life that I discovered the grief I experienced as a child was affecting me in ways as an adult, such as the way I interacted with people in relationships and friendships. Ultimately, my work around death has taught me to be more intentional about living, to love deeply, and to leave a legacy of compassion and connection.

The next Death Over Dim Sum events take place on 28 Sept & 26 Oct.

 thelifereview.org
 the.lifereview

SG’s Quirky Collectives
More alternative community groups

  • Fix Its!
    The idea behind Repair Kopitiam gatherings is to teach people how to mend broken appliances. There are currently 3,000 coaches and volunteers in the community.
     repairkopitiam.sg

 

  • Geeks!
    This community welcomes those who love all things pop culture, comics, toys, movies, and games. They pride themselves on being a safe place for geeks who want to share in hangouts, comic shops, or at geeky conventions.
     geeksmeetupsg

 

  • Acrobats!
    Circus of Altrades train at basketball courts, void decks or playgrounds and hope to create opportunities for local artistes.
     altrades_sg

 

Understanding World Menopause Day: A celebration of awareness & support

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Every year on 18 October, World Menopause Day is observed, a powerful reminder of the importance of raising awareness about menopause and the support available for women navigating this natural phase of life

What is World Menopause Day?

World Menopause Day aims to educate and inform women about menopause, its symptoms, and the treatment options available. It aims to highlight the need for awareness and support for women experiencing menopause, to break the silence surrounding menopause and to empower women to seek the help they need. It’s a day to celebrate the strength of women and to encourage open conversations about a topic that has often been shrouded in stigma.

Menopause is a natural biological process caused by a decline in oestrogen levels, typically occurs in women in their late 40s to early 50s. It’s defined as the absence of a menstrual period for 12 consecutive months, marking the end of a woman’s reproductive years. The absence of periods can be liberating for some women who have gone through cycle-related symptoms like PMS, menstrual migraines and painful heavy periods. However, a significant proportion of women experience menopause symptoms that can last for up to 5 to 10 years.

Hormone Replacement Therapy

Over decades, the topic of the menopause has been plagued by various controversies and polarisation of views about management. This has led to women being denied effective treatment to help them navigate their personal, social and professional lives.

Menopause Hormone Therapy (MHT) or also known as Hormone Replacement Therapy (HRT) covers a range of hormone treatment that can reduce symptoms. These symptoms can be at times distressing, affecting many aspects of life. Hot flushes, insomnia and vaginal dryness are examples that respond well to MHT.

MHT should however not be regarded as an anti-aging strategy, nor should it be used to prevent cardio-vascular disease or dementia.

The mainstay of MHT is oestrogen replacement. There are different types of oestrogen preparations available – from oral tablets to transdermal gels and patches. Most women will also be prescribed a progesterone preparation if they still have a womb. Progesterone is used to prevent thickening of the inner lining of the uterus, which is also known as the endometrium.

The best time to initiate MHT is in the menopause/late perimenopause phase. Doses prescribed should be the lowest possible in order to achieve maximum benefit. The risk for blood clots, stroke & breast cancer while taking topical MHT is very low. However, initiating treatment in a woman over the age of 60 may be associated with increased risks of blood clots and stroke. Therefore, a personalised approach should be adopted when deciding on the duration of treatment.

There may be situations when a woman prefers not to do hormone therapy due to insufficient relief of symptoms with MHT or medical reasons why MHT is inappropriate. In these cases, a discussion about other options of treatment should be offered.

Lifestyle Changes

Lifestyle changes like regular exercise, smoking cessation and reducing alcohol consumption may be beneficial. SSRI/SNRI (anti-depressants) as well as hypnotherapy/CBT (cognitive behavioural therapy) can play a role in mitigating symptoms.

A new non-hormonal drug was FDA approved in 2023 for use in moderate to severe hot flushes and night sweats. It works by blocking a neuroreceptor in the brain’s regulation of body temperature, and has been proven as an effective alternative for some women, but it has yet to be approved outside of the U.S, including Singapore.

It is crucial that you choose a healthcare provider who is able to provide a supportive, informative and non-judgemental environment where you can freely discuss the menopause, express concerns and priorities, while receiving personalised care to optimise your health and wellbeing.

This article is written by Dr. Vinu Sahlén who is tri-lingual and also speaks German and Swedish. Dr Sahlén is based in IMC Camden. Book online at www.imc-healthcare.com, email camden@imc-healthcare.com or call + 65 6733 4440 (ext 1).

 

Follow International Medical Clinic (IMC) on social media for latest updates –
@IMCSG
@ international_medical_clinic

Permanent Residency Guide: Unlocking the Singapore dream

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Living the bike life at Marina Bay, Singapore

Welcome to Singapore, a vibrant city-state where dreams take flight. Renowned for its dynamic culture, strong economy, and commitment to diversity, Singapore has become a beacon for individuals seeking a better life. From greater travel flexibility to enhanced healthcare benefits, permanent residency opens up a gateway to endless opportunities. Ready to embark on this exciting journey? This guide will showcase the key benefits of permanent residency in Singapore.

Benefits of PR Status

  1. Access to the public healthcare system

Imagine having peace of mind knowing you and your family can get quality healthcare without breaking the bank. As a Permanent Resident (PR) in Singapore, you’ll enjoy access to Singapore’s world-class healthcare systems with localised rates and government subsidies, guaranteeing accessible and affordable medical care for all, covering everything from annual check-ups to serious treatments.

  1. Central Provident Fund

Along with public healthcare access, PRs are also automatically enrolled in the Central Provident Fund (CPF) system. Think of it as a giant piggy bank you contribute to along with your employer, but with much higher interest rates than what you might get back home. Think of it this way: CPF helps you build a secure future while also giving you a safety net for medical expenses. It’s a win-win!

  1. Reduced education fees

Singapore’s education system is often lauded as the best in the world. As a PR, your kids will be able to receive quality education at significantly lower fees compared to international students in Singapore’s highly regarded government-funded schools. This applies from primary all the way up to university, including secondary schools, junior colleges, and polytechnics. This can be a huge weight off your shoulders, especially with the increasingly rising costs of education. Furthermore, PRs are also eligible to apply for various government tuition grant schemes, which can further slash education costs, making Singapore’s world-class education system even more accessible.

  1. Travel benefits

Want to explore the world? PRs enjoy the freedom to travel without the constant worry of renewing entry permits, unlike non-residents. So, whether it’s a weekend getaway or a long vacation, your PR status gives you the flexibility to travel without the hassle.

PR Applications made easy with Voyage Consultants

Feeling overwhelmed by the PR application process? Don’t worry, our team is here to navigate the complexities with you. We have over 10 years of combined experience deciphering Singapore’s immigration maze.

  • Personalised consultations: We start with in-depth consultations, where we conduct in-depth assessments to understand your strengths, background, and goals. Our detailed checklist will ensure that all your documents are in order. Further, our support doesn’t stop after one meeting. We will be there throughout your journey to address your questions.
  • Crafting your story: We will work with you to craft a compelling cover letter based on our consultations and your unique experiences. You’ll have a chance to review and approve the letter to ensure it accurately reflects your aspirations for a future in Singapore. Should your application be rejected, we will review your circumstances and offer a one-time appeal at no additional service fee.

Ready to make Singapore your home? Feel free to reach out to our team for a consultation to see if you meet the eligibility requirements or visit our website at www.voyageconsultants.sg to discover our full suite of services. We look forward to being a part of your journey!

Contact Information

Email: Enquiry@voyageconsultants.sg

Contact: Canns Lim Hanna (Director)

Mobile: +65 8427 1729

Heartland hotspots for a local night out

Another night, another dinner at Rob Quay? Away from the shiny centre of the red dot lies the island’s heartlands – the authentic side of Singapore where wet markets bustle, Mama shops overflow with all manner of wares, void decks house communities as they catch up on gossip, and the clacking sound of mahjong tiles serve as a soundtrack. However, not only will you find a slice of true life here, but also some cool local hangouts connecting the masses and concocting inventive food and drink menus. Read on for some of our favourites.

Cocktails in Woodlands

O/T Bar
Run by the Tipsy Collective, this bespoke bar is inspired by a 1940s Manhattan office, seats around 50 people, and boasts a hidden karaoke lounge. O/T Bar’s signature drink is the Royal Recognition, a barrel-aged Remy Martin 1738 Accord Royal, served straight-up with a mini apple. Pure hip in the heartlands.
 6 Woodlands Square, #01-02, Woods Square, 737737
 tipsycollective.com/otbar

Japanese in Kovan

Tachinomiya Japanese Izakaya & Bar
Izakayas are famously intimate bars in Japan – and you can find one under an HDB block in Kovan. This little diamond first opened in 2017 to cater to working-late locals returning home who fancied a quick bowl of ramen noodles or pan-fried gyoza. Since then this charming neighbourhood haunt has gone from strength to strength; today you’ll find Kushiyaki, Crispy Chicken Karaage, Japanese liquor, and Sapporo Premium Draft pints attracting punters from across the island.
 211 Hougang Street 21, #01-285, 530211
 tachinomiya.com.sg

Korean in Jurong West

Courtesy of. Hyundai

Na Oh
Three-Michelin Star Korean-American chef Corey Lee opened Na Oh in June. As if being in Jurong isn’t different enough, it’s located inside an actual car showroom as part of a collab with the Korean motoring group, Hyundai. The 40-seat restaurant features clean lines, high ceilings, glass walls, and fabric dividers. It offers traditional Korean food that updates four times a year, including dishes like Golden Queen rice cooked in a gamasot pot, chicken stuffed with glutinous rice, and house-made buckwheat noodles served in chilled beef broth.
Hyundai Motor Group Innovation Center Singapore (HMGICS), 2 Bulim Avenue, Level 3, 640536
hyundai.com/sg/naoh

Italian in Sengkang


Essen @ The Anchorvale
Extend an evening stroll along Sengkang’s Riverside Park with a stop at Essen @ The Anchorvale. This food hall features stalls serving Italian, Western, and Asian cuisine to tables of diners enjoying the sounds of live music. Offering indoor and outdoor seating, this is a go-to come rain or shine and is especially buzzy on Friday nights. Who needs central?
 59 Anchorvale Rd, #01-06, 544965
 facebook.com/EssenDiningandBar

Pub Grub in Hillview


The Jolly Roger
Craving a pork pie and a cold pint? Head to Cornwall, England, via Hillview, Upper Bukit Timah. The Jolly Roger has been a beloved fixture since June 2012 with its distinctly Brit-pub vibes which draw inspiration from Cornish tales of turbulent seas and piracy. You’ll find the full English breakfast, Fish ‘n’ Chips, Bangers and Mash, and a classic English roast (including Yorkshire pudding!) on the menu. Wholly unpretentious, there’s indoor and outdoor seating, a pool table, and a solid range of draught beers, ciders, and pilsners. The only thing missing? The English weather (phew!).
15 Chu Lin Road, 669907
 thejollyroger.org

Craft Beer in Clementi

Get Some
Look for the neon sign flanked by HDB buildings and you’ve found Get Some, a local crowd-pleaser known for its extensive selection of craft beers on tap (the majority from local breweries, rather than the usual Heineken and Tiger). Rumour has it that this place popped up in 2022 after a group of foreign oil riggers, who were building an oil rig out in Jurong, lived in a condominium across the road from the restaurant. The homely bar has a cosy feel, with much of its decor being gifts from customers. Indeed, it’s so beloved that Get Some now also has outlets in Ang Mo Kio and on Guillemard Road.
 727 Clementi West Street 2, #01-282, 120727
 getsome.sg

 

Fitness after 50: A fun guide to active ageing

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Let’s be honest, chasing six-pack abs and ripped biceps may not be your health goal, but staying active after 50 is more important than ever, especially as we’re now being told that we’re going to live until 100 years old!

A recent study published in the The Journal of Preventive Medicine found that regular exercise can actually reverse cellular aging on a genetic level. Strength training, in particular, was shown to lengthen telomeres, the little caps on our chromosomes that shorten with age. Longer telomeres are linked to a healthier life, both physically and cognitively. This research debunks the myth that decline is inevitable and underscores the power we hold to influence our own cellular health.

Here’s our 6-point reckoner of how you can maximise your health post 50.

1. Get Up & Glow!

Active ageing is your runway, and it’s time to strut. Whether you’re dancing like nobody’s watching (except maybe the dog), twisting into yoga poses with the grace of a seasoned pro, or outpacing the local wildlife in your morning walk, it’s all about embracing the “move more, sit less” motto. A journey of a thousand miles begins with a fabulous pair of comfortable shoes.

2. Rest Your Brain. NOT.

Mindfulness: It’s not just for monks and those under thirty. Meditation isn’t just sitting silently and trying not to think about snacks. It’s about giving your brain the kind of spa day your body is jealous of. So, breathe in deeply (smell that? It’s the scent of serenity), breathe out slowly (that’s your inner skeptic leaving the building), and find peace in knowing that this is the kind of mental gymnastics your doctor approves of.

3. Eat Like a Gourmand

Turning the dietary don’ts into do-please. Forget what you think you know about dieting. It’s not about removing the joy from your meals; it’s about adding colours to your plate that aren’t just various shades of beige. Dive into the world of vegetables, whole grains, and lean proteins like an explorer discovering treasures. Who knew that brussels sprouts could be the main character?

4. Yearning to Learn

Because ‘know-it-all’ is not in our vocabulary. Pick up a new hobby, learn a language that’s not “teenager,” or finally figure out what exactly is the Cloud and why everyone’s stuff is apparently up there. Your brain wants to lift weights too, metaphorically. Let’s flex those neurons!

5. Too Cool for Solely School Friends

Fifty-plus and fostering new friendships? It’s time to expand your social circle beyond people who only remember rotary phones and the original price of a movie ticket. Connections matter, whether it’s rekindling old flames (strictly platonic, please) or sparking new ones.

6. Time Out for Me

Because self-care isn’t selfish, it’s absolutely necessary. Whether it’s treating yourself to that spa day, diving deep into your hobbies, or simply sitting in silence (because, let’s face it, silence is golden and sometimes unheard of), it’s about cherishing YOU. Because if you don’t, who will?

Let’s not just age like fine wine; let’s live like with class, sass, and a glass half full (preferably with something sparkling, that is NOT kombucha!)

Because beyond the grey lies Greytt!

To start you off on this journey, we have just the right Fit-for-50+ wellness solution at Greytt Moves!

Our wellness services are custom-built for 50+ passion areas and life stage requirements and delivered by ‘Fit for 50+’ expert coaches in core methodologies, including Somatic training, Strength Training, Yoga & Pilates.

Greytt Moves offers 12 custom designed programmes around passion areas like golf, hiking, cycling, traveling or racquet sports, alongside programs solving for life stage needs including menopause management, joint health, flexibility and better sleep.

From now till 30th Nov, Greytt is extending a special promo for all ANZA members over 50.
Just use the code GREYTTDEALANZA at checkout for any of the programs and get SGD 50 off!

For the ladies, we have a highly curated digital event on the topic of Menopause.
You can find out more and claim your free pass at https://www.moves.greytt.com/pages/takethatpause

To find out more, you can explore the programs at www.moves.greytt.com or Whatsapp us at +65 82928429

About Greytt

We are a premier Fit for 50+ platform, with services across wellness, travel, gigs, finance & more. We are on a mission to power purposeful and passionate lives for the ageless. Using Greytt experts, AI, and data we build age-centered products & services to match aspirations of the 50+!

Greytt’s foundation is built on a powerful manifesto that challenges societal perceptions of aging. It’s about celebrating the vigour and aspirations that don’t fade with the passing of years. Greytt embodies a spirit of adventure, wisdom, and the relentless pursuit of growth!

Because, beyond the grey lies Greytt!

Learn more about us at https://www.greytt.com and get to know our founders here: https://www.youtube.com/watch?v=HevaNWc6cB4.

Simplify your overseas property purchase in Oz

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Looking to buy property in Australia while living overseas? It can be simpler than you think. Many Australian expats face challenges such as time zone differences, staying updated with market conditions, and navigating mortgage requirements. However, with the right guidance, these hurdles can be overcome.

Despite being abroad, Aussie expats can access the same home loan products and rates as residents. While you might need additional documentation, you can typically borrow up to 80% of the property value. Knowing the right methods and lenders can even help you secure higher amounts. One common issue is getting lenders to accept 100% of your foreign income, as some may discount it by 20-40% due to currency fluctuations. However, with expert assistance, these challenges can be managed effectively.

Managing taxes can be equally challenging since, as an Aussie expat, you’re still subject to Australian tax laws. This includes declaring income earned abroad and understanding your tax obligations in both countries. Australian tax laws are complex, and staying compliant while living overseas requires expert knowledge and careful planning.

Careful planning

As an Australian expat, tax season can be a stressful time. You’re still subject to Australian tax laws, the complexity of which requires expert knowledge and careful planning to ensure compliance.

You need to declare any income earned in Australia, including rental income, wages, business income, and capital gains from selling assets. Unfortunately, expats do not qualify for the 50% capital gains tax discount. You can still make contributions to your superannuation as an expat, and it’s crucial to continue paying your student loan if you have one.

Filing your annual tax return from overseas involves navigating complex residency rules, gathering necessary documents, dealing with time zone differences, and meeting submission deadlines. Using a professional tax lodgement service can ensure accuracy and efficiency, helping you to minimise your tax liability and avoid penalties.

How Odin Mortgage & Tax can help

Odin Mortgage & Tax offers an integrated approach, combining Australian property purchase services with tax consultation. This ensures a seamless experience, saving you time and stress. Our one-stop solution allows you to focus on your life abroad while our specialists handle the complexities.
As the financial year 2023/24 concludes, we’re here to help you file your tax return back home. This year, we’re offering:

  • A 30-day guarantee on your tax return lodgement
  • An extended deadline until 15 May 2025
  • Maximised savings and ensured compliance

Talk to us

Book a free consultation with our mortgage specialists or tax accountants today to start optimising your financial situation.

BOOK A MEETING

 

 +61 480 026 116
support@odinmortgage.com

 

FREE TAX CONSULTATION

 

+61 485 980 277
 support@odintax.com

 

ANZA Netball hit Perth!

The largest ANZA Netball contingent ever participated in the Western Australia Association Championships in Perth this year. This event remains a highlight on our netball calendar and 2024 did not disappoint! The event resulted in a high-level, challenging competition for all the teams against tough opponents, with both ANZA Suns and ANZA Lightning impressively battling it out for the top spots in their respective divisions.

Adding to the trip was the infamous ANZA tour dinner held on the final evening. This was a huge success, with a trivia quiz, team dress-up (including managers and coaches), and a presentation ceremony.

A huge thanks goes to the amazing support crew of coaches and managers for their efforts in ensuring the girls had an awesome time. Thanks also to the wider support crew of parents, grandparents, and siblings who braved the early starts and pesky rain showers to cheer from the sidelines. You each helped make the trip such an adventure for the players. Bring on next year!

Perth Tour Facts Uncovered!

  • Six ANZA teams with 10 players in each
  • 12U x 2, 13U x 2, 14U, 16U
  • 13 support crew including coaches and managers
  • ANZA players from 10 different nationalities
  • One team (16U) braved an ocean morning swim!
  • ANZA teams came second, third and fourth in their divisions

Player Highlights

Our netball players reveal some standout moments

“My most memorable moment in Perth were the bus rides, as they gave me time to bond with my teammates and make more friends. The netball was very intense but fun, and it was a good opportunity for my teammates and me to play against new people and learn more skills. Another favourite moment was the Suns winning the netball/Aussie slang trivia competition at the tour dinner.”
Beatrice, ANZA SUNS 12U

“My most memorable experience was going shopping with all of my friends. This gave me a chance to make stronger connections with my teammates and get to know them better. We basically joked and laughed the entire time! For me, I saw the trip as a chance to bond and make new memories with one another. I think our time away will benefit us in the future as now we will understand each other better while playing netball.”
Willow, ANZA CYCLONES 13U

“I’d describe the ANZA Perth trip 2024 as SO MUCH FUN! I had the best time ever playing netball, shopping, eating, sleeping; literally, everything I did in Perth was amazing! It’s a big thanks to the parents, coaches, and organisers for making this brilliant trip happen!”
Stevie, ANZA COMETS 12U

“It was amazing to come on the Perth trip again. Having the opportunity to play netball at such a high level and competing with girls I’ve been teammates with for over eight years is very special. The Perth trip also creates a great bond between the different age groups – there’s always a lot of support during the matches!”
Rosie, ANZA LIGHTNING 16U

“One of my favourite memories from Perth was the ‘dress-up’ ANZA tour dinner. My team laughed so much while picking out our costumes and seeing what the other teams were wearing. It was also fun to play netball outside in the rain!”
Lily, ANZA TORNADOES 13U 

The team dress-up was taken very seriously

“What made the Perth tour so memorable for me was getting to spend time with my team on and off the court. Dressing up as a team for the gala dinner was a highlight. Of course, the netball was really good too!”
Charlotte, ANZA GALAXY 14U

Christmas in the Garden 10 December

Don’t miss ANZA’s ‘Christmas in the Garden’

Join us for Christmas in the Garden at the stunning Australian High Commissioner’s Residence on Tuesday, 10 December, from 7pm to 10pm. Celebrate the festive season with fellow ANZA members in a beautiful garden setting under the stars.

Indulge in a delicious grazing table brimming with gourmet cheeses, artisanal cured meats, and a tempting array of delectable accompaniments. Every bite is thoughtfully paired with free-flowing sparkling, red and white wine, beer and soft drinks to keep your glass topped up all night!

Adding to the festive atmosphere, enjoy the enchanting sounds of holiday music and a special Christmas performance by ANZA’s very own talented Singing Group, making this a very special evening.

One lucky guest will also walk away with a very special door prize—a dining experience for two with wine pairing at Butcher’s Block, Raffles Hotel, valued at over $800!

This event promises an evening of festive cheer, great company, and holiday spirit in a unique and exclusive setting.

Tickets are limited, so secure yours now and let’s kick off the party season together!

Members $60
Non members $80

Dress Code: Smart casual – a touch of festive cheer optional!

Venue: Australian High Commissioner’s Residence, 9 White House Park, Singapore 257605, SG

‘The event is not an official Australian High Commission event, nor an endorsement of the organisation’s products or services.’

Event SOLD OUT – Please join the waitlist by registering below

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ANZA Adults Netball 7 November

Adults Netball

Join ANZA’s Adults Netball Sessions!
ANZA Netball is excited to open registration for the second block of Adult Netball starting on Thursday 7 November!

What’s In Store:
A senior coach will lead these sessions, designed for both beginners and those looking to return to the game. Whether you’re new to netball or dusting off your skills, these sessions are perfect for everyone!

Session Details:

  • Dates: 7, 14, 21, 28 November and 5 December
  • Time: 7pm – 8:30pm
  • Location: Tanglin Trust School
  • Cost: $125 for the full block
  • Registration Deadline: Sunday 3 November

What To Expect:

Social Activity: We want these sessions to be fun and engaging—a perfect chance to meet like-minded netball enthusiasts! Expect plenty of fun games and matches to keep you fit, active, and connected.

Skill Building: The initial sessions will focus on skill development, preparing players to join leagues or tournaments in the next season.

Ongoing Play: This will be the final small block of adult sessions for the year. Starting in the new year 2025, we will transition to a 10-week block to align with ANZA Netball Term and to provide a more consistent training schedule. This will better support players working towards preparing for tournaments.

Please note that a minimum number of committed participants is essential for these sessions to continue.

Don’t miss out on this fantastic opportunity to get back on the court with ANZA Adults Netball, improve your skills, and have fun!

Registration to ANZA Adults Netball is only available to ANZA members. Click here to Join ANZA!

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