Summer dusk, I sit with an old Chinese medicine in the breeze slowly chatting the river. Suddenly, the old man stared at my face for a moment and did not say anything. I was his heart to see some hair, asked: “The elderly, you are so concerned about my face, is not something to see ah?know pu-erh tea Our growth has to go through many hardships, but entrepreneurs are never afraid and boldly move forward.

　　

　　Old man smiled and said: “I am from primary school medicine, the teacher told me again and again, ‘people peace of mind level, see the eyes; life span, look at the face’ medical life, develop habits, and Oh, and people Together, they always want to look at his face more glances.

　　

　　I said: “The elderly, all know that the eyes are the soul of the window, the first sentence I can understand, you can say ‘life span, look at the face’, I am a little puzzled.Human life, how to write in the face What about it? “

　　

　　If a person is always sad intestine knot, mood melancholy, over-thinking, suspicious of the old man said: \ look at the face, in fact, I look at his face two, one eyebrow, Indecisive, can not see the hope of life and the good life, then, between the eyebrow must form a deep ‘eight’ pattern.’8 ‘pattern, is caused by squeezing distortion, Yin is too strong, the mood Difficult to cool, it will stagnate in the organs; Jiuyin poisonous, viscera unbearable corrosion, must be made for the disease; sick in the body, is bound to further deteriorate the mood.People once caught in the heart and the destruction of each other malignant disease Circle among the health does not exist, where there will be longevity of the reason? Eyebrow between the ‘eight’ pattern, in fact, cut the knife of life, so my teacher had more than once said to me, ‘brow wrinkled, You must be careful yo. “

　　

　　The elderly, then let my heart anxious, usually not pay attention to the eyebrow between the ‘eight’ pattern, even with such a large knowledge. I could not help but curiosity driven, and then asked: “That mouth can see what?

　　

　　A person if the hearty and fun, often laughing more than, the teeth often in the sun, then, in order to make the mouth a little bit, The ‘brackets’ is radian, as if the relative out of the two and a half months, set in the cheek on top of the vivid expression of light from the formation of the reasons we can see, brackets who are really comfortable Because the ‘brackets’ on both sides of the mouth, but also a symbol of the balance of yin and yang, therefore, it is encompassed by the health of the body, the spirit of the sparse, the vitality of life, leisurely and carefree, The music of the state of mind and the endless hope of life in such a life and mental state of the people, you say he can not live longer?

　　

　　Really listen to Jun words, read the book a decade, my heart is not good fun ah. It turned out that our face, really reveal the mentality of our strengths and weaknesses, the vicissitudes of life and life status and other important information ah. Therefore, we usually still often look in the mirror to see if his face is increasing or deepening: the eyebrow between the “eight” pattern, or the mouth “brackets” it!

　　This blog post will provide a detailed breakdown of the costs associated with hiring a domestic helper in Singapore and offer tips on budgeting for this expense.Actually, it’s not just this reason, sg maid agency Its own advantages are also obvious, and it is normal for the market to perform well. https://1achieve.net

　　

　　ESSENTIAL KNOWLEDGE

　　

　　Bryan

　　

　　7/27/20247 min read

　　

　　Breakdown of Costs

　　

　　1. Agency Fees

　　

　　Most employers in Singapore hire domestic helpers through licensed employment agencies. These agencies charge a fee for their services, which can vary widely depending on the agency and the services provided.

　　

　　Initial Agency Fees: These fees typically range from SGD 1,000 to SGD 3,000 and cover services such as sourcing candidates, conducting interviews, arranging medical examinations, and processing work permits.

　　

　　Replacement Fees: If the hired helper does not meet expectations or leaves before the contract ends, some agencies offer a replacement service, which may incur additional costs.

　　

　　When selecting an agency, consider its reputation, services offered, and fee structure. Reputable agencies often provide comprehensive services that include post-placement support, which can be valuable in ensuring a smooth employment relationship.

　　

　　2. Salary

　　

　　The monthly salary of a domestic helper depends on factors such as nationality, experience, and the specific duties required. Here are the average salary ranges for FRESH and some Experienced Helpers:

　　

　　Filipino Helpers: SGD 600 to SGD 700

　　

　　Indonesian Helpers: SGD 550 to SGD 650

　　

　　Myanmar Helpers: SGD 450 to SGD 550

　　

　　These figures can vary based on the helper’s experience and skill level. It¨s important to agree on a fair salary that meets both parties’ expectations. Additionally, consider offering performance-based incentives or bonuses to motivate and reward your helper for excellent work.

　　

　　3. Monthly Levy

　　

　　The Ministry of Manpower (MOM) imposes a monthly levy on employers of foreign domestic workers. The levy amount depends on the household’s specific needs:

　　

　　Standard Levy: SGD 300 per month

　　

　　Concessionary Levy: SGD 60 per month (for households with young children, elderly members, or disabled family members)

　　

　　To qualify for the concessionary levy, employers must meet certain criteria set by MOM, such as having a child below 16 years old or an elderly family member aged 67 and above. Click on this LINK to find out more.

　　

　　4. Medical Insurance and Security Bond

　　

　　Employers are required to purchase medical insurance and provide a security bond for their domestic helpers.

　　

　　Medical Insurance: A minimum coverage of SGD 15,000 per year for inpatient care and day surgery is required. This can cost between SGD 150 and SGD 300 annually.

　　

　　Security Bond: A SGD 5,000 security bond (for non-Malaysian helpers) acts as a financial guarantee to the Singapore government. This bond can be in the form of insurance, which typically costs around SGD 50 to SGD 80 per year.

　　

　　Ensuring comprehensive medical insurance coverage can provide peace of mind, as it covers hospitalization and surgical expenses that may arise during the helper¨s employment.

　　

　　5. Settling-In Programme (SIP)

　　

　　The Settling-In Programme is mandatory for first-time helpers and employers. The one-day course costs SGD 75 and is designed to educate both parties on safety, rights, and responsibilities.

　　

　　The SIP includes:

　　

　　Workplace Safety: Training on how to handle household equipment safely and avoid accidents.

　　

　　Cultural Orientation: Helping helpers adapt to the cultural norms and practices in Singapore.

　　

　　Rights and Responsibilities: Educating both parties on their legal rights and obligations.

　　

　　6. Food and Accommodation

　　

　　Employers must provide adequate food and suitable living conditions for their domestic helpers. The estimated monthly cost for food is around SGD 200 to SGD 300, depending on dietary needs. Accommodation costs can vary based on the living arrangements provided.

　　

　　Food: Ensure the helper has access to nutritious meals that meet her dietary requirements. Some employers choose to provide groceries, while others give a food allowance.

　　

　　Accommodation: Provide a private room or a suitable sleeping area that offers privacy and comfort. The room should be well-ventilated and equipped with basic amenities.

　　

　　7. Annual Medical Check-Up

　　

　　Helpers are required to undergo an annual medical examination to ensure they are fit for work. The cost of this check-up ranges from SGD 80 to SGD 150.

　　

　　The annual check-up includes:

　　

　　General Health Screening: Assessing overall health and detecting any medical issues.

　　

　　Infectious Disease Testing: Ensuring the helper is free from infectious diseases that could pose a risk to the household.

　　

　　8. Other Expenses

　　

　　Training: Some employers invest in additional training for their helpers, such as cooking or childcare courses. These can range from SGD 100 to SGD 500.

　　

　　Miscellaneous Costs: These include work-related tools, toiletries, and transportation expenses for the helper.

　　

　　Investing in training can enhance the helper¨s skills and improve the quality of service provided. Additionally, ensuring that the helper has access to necessary work tools and personal items can contribute to her overall well-being and job satisfaction.

　　

　　Tips on Budgeting for a Domestic Helper

　　

　　1. Calculate Total Monthly Expenses

　　

　　When budgeting for a domestic helper, it¨s essential to calculate the total monthly expenses. Include the helper¨s salary, monthly levy, food, accommodation, and any other recurring costs. This will give you a clear picture of the monthly financial commitment.

　　

　　For example, if you hire an Indonesian helper with a salary of SGD 600 and qualify for the concessionary levy of SGD 60, your monthly expenses might look like this:

　　

　　Salary: SGD 600

　　

　　Levy: SGD 60

　　

　　Food: SGD 250

　　

　　Accommodation: SGD 100 (if providing a private room incurs additional utility costs)

　　

　　Medical Insurance: SGD 25 (annual cost divided by 12)

　　

　　Total Monthly Expense: SGD 1,035

　　

　　2. Plan for One-Time Costs

　　

　　Factor in one-time costs such as agency fees, initial medical examinations, and the Settling-In Programme. These expenses can add up, so it¨s important to plan for them in advance.

　　

　　For example:

　　

　　Agency Fees: SGD 2,000

　　

　　Initial Medical Examination: SGD 100

　　

　　Settling-In Programme: SGD 75

　　

　　Total One-Time Cost: SGD 2,175

　　

　　3. Set Aside an Emergency Fund

　　

　　It¨s wise to set aside an emergency fund to cover unexpected expenses, such as medical emergencies or early termination of the helper¨s contract. This fund can provide financial security and peace of mind.

　　

　　Consider setting aside a few months’ worth of the total monthly expense as an emergency fund. For instance, having an emergency fund of SGD 3,000 can cover approximately three months of expenses.

　　

　　4. Consider Concessionary Levy Eligibility

　　

　　If you have young children, elderly, or disabled family members, check if you qualify for the concessionary levy. This can significantly reduce your monthly expenses.

　　

　　To apply for the concessionary levy, submit the necessary documents to MOM, such as the birth certificate of a child or medical certification for an elderly family member.

　　

　　5. Review Insurance Options

　　

　　Compare different insurance providers to find the best coverage at a reasonable price. Ensure that the medical insurance and security bond meet MOM¨s requirements.

　　

　　Look for comprehensive plans that cover hospitalization, surgery, and other medical expenses. Some insurance providers offer bundled packages that include both the medical insurance and security bond, which can be cost-effective.

　　

　　6. Monitor and Adjust Your Budget

　　

　　Regularly review your budget to ensure you are on track. Adjust it as needed to accommodate any changes in expenses or unexpected costs.

　　

　　Keep track of all expenses related to the helper, including food, accommodation, and medical costs. Use a budgeting app or spreadsheet to monitor these expenses and make adjustments as necessary.

　　

　　7. Communicate Clearly with Your Helper

　　

　　Clear communication with your helper regarding salary, duties, and expectations can prevent misunderstandings and additional costs. Ensure that both parties are aware of the agreed terms and conditions.

　　

　　Hold regular meetings with your helper to discuss her performance, address any concerns, and provide feedback. This can help maintain a positive working relationship and ensure that any issues are resolved promptly.

　　

　　8. Utilize Government Resources

　　

　　Take advantage of resources provided by MOM and other government agencies. These can include guidelines, support programs, and financial assistance schemes.

　　

　　Visit the MOM website for the latest information on regulations, levy rates, and support programs. Additionally, consider attending workshops or seminars on managing domestic helpers, which can provide valuable insights and tips.

　　

　　9. Plan for Long-Term Employment

　　

　　When hiring a domestic helper, consider the long-term financial commitment. A typical employment contract lasts for two years, but it can be extended if both parties agree.

　　

　　Plan for the long-term costs by:

　　

　　Calculating Total Costs Over Two Years: Multiply the monthly expenses by 24 months and add any recurring annual costs.

　　

　　Budgeting for Contract Renewal: If you plan to renew the helper¨s contract, budget for the renewal fees, medical check-up, and any other associated costs.

　　

　　For example, if the total monthly expense is SGD 1,035, the two-year cost would be:

　　

　　Total Monthly Expenses: SGD 1,035 x 24 = SGD 24,840

　　

　　Annual Medical Check-Up (Two Years): SGD 100 x 2 = SGD 200

　　

　　Insurance and Security Bond (Two Years): SGD 300 x 2 = SGD 600

　　

　　Total Long-Term Cost: SGD 25,640

　　

　　10. Explore Financial Assistance Options

　　

　　Some employers may be eligible for financial assistance programs to help offset the costs of hiring a domestic helper. Check if you qualify for any government subsidies or assistance schemes.

　　

　　For example, the Foreign Domestic Worker Levy Concession for Persons with Disabilities (PWD) scheme provides a concessionary levy rate for households with members who have disabilities. Additionally, some community organizations offer grants or financial assistance for families in need.

　　

　　11. Maintain Proper Documentation

　　

　　Keep all necessary documents and receipts related to the employment of your helper. This includes employment contracts, insurance policies, medical reports, and payment receipts.

　　

　　Proper documentation ensures compliance with MOM regulations and provides a record of all transactions and agreements. It can also be useful in resolving any disputes or misunderstandings that may arise.

　　

　　12. Evaluate Cost-Effective Alternatives

　　

　　Consider cost-effective alternatives to reduce expenses. For instance, you can:

　　

　　Provide Shared Accommodation: If space allows, consider providing shared accommodation with another helper to save on utility costs.

　　

　　Purchase Groceries in Bulk: Buying groceries in bulk can reduce food costs and ensure the helper has access to necessary supplies.

　　

　　Invest in Energy-Efficient Appliances: Using energy-efficient appliances can lower utility bills and reduce overall costs.

　　

　　Conclusion

　　

　　Hiring a domestic helper involves various costs, including agency fees, salary, levy, insurance, and other expenses. By understanding these costs and following budgeting tips, you can effectively manage your finances and ensure a positive working relationship with your helper.

　　

　　Proper planning and clear communication are key to maintaining a harmonious household and making the most of the support provided by a domestic helper. By considering long-term costs, setting aside an emergency fund, and utilizing available resources, you can create a budget that accommodates the financial commitment of hiring a domestic helper while ensuring a positive experience for both your family and the helper.

　　

　　Taking the time to plan and budget carefully will not only help you manage expenses but also foster a respectful and productive working relationship with your domestic helper, contributing to the overall well-being and harmony of your household.

　　As the most important part of weddings in various countries around the world, wedding dresses have always played a vital role. Wedding dress not only reflects the bride’s style and personality, but also places people’s good wishes and expectations for marriage. What kind of cloth is the wedding dress made of? Let’s explore the fabric and characteristics of the wedding dress.Today, people are interested in Evening Gown There are also many dependencies, and the expectations for products are getting higher and higher. https://bridalbloom.net/

　　

　　We need to know the common fabric types of wedding dresses. In the market, there are many kinds of fabrics used in wedding dresses, including but not limited to silk, lace, silky yarn, pure cotton and polyester fiber. These fabrics have their own characteristics and are suitable for different types and styles of wedding dresses.

　　

　　Silk is one of the most commonly used wedding fabrics. Silk has noble and gorgeous characteristics, and its soft and smooth touch can show women’s grace and elegance. Some traditional wedding designs often use silk as fabric, especially luxury wedding dresses. The overall effect of silk wedding dress is very brilliant, which is suitable for brides who like luxury and elegant style.

　　

　　Lace cloth is one of the most common materials in all kinds of wedding dresses, and lace wedding dresses usually look elegant and romantic. Lace cloth has various patterns and textures, which can create different visual effects. Some lace fabrics are made by hand embroidery, which shows a fine and noble texture. Lace wedding dresses often give people a dreamy feeling, which is suitable for brides who like romantic and pastoral styles.

　　

　　Smooth yarn is a kind of light and transparent fabric, which is mostly used in the skirt part of wedding dress, and can create an elegant effect. Smooth yarn is mostly used to make wedding dresses with A-shaped skirts, which has a good swing when worn. The transparency of this fabric also provides designers with more imagination space, which can be used to show the lines of the bride’s body and increase the visual impact of clothing.

　　

　　Pure cotton is a common fabric usually used in daily life, but many brides choose pure cotton fabric to make wedding dresses, because it is comfortable and breathable, which is very suitable for outdoor weddings and other occasions. Pure cotton fabrics are also easier to maintain, which is more convenient for brides who pay attention to practicality.

　　

　　Polyester fiber is a common synthetic fiber material, and it is also one of the commonly used fabrics for making wedding dresses. Polyester fiber can be made into various thicknesses and tactile sensations, and has certain elasticity and hygroscopicity, which is suitable for making various styles of wedding dresses. Compared with silk, polyester fiber is lighter and easier to wear and maintain.

　　

　　In addition to the above-mentioned common wedding fabrics, there are many other kinds of fabrics that can be used to make wedding dresses. For example, organza, linen yarn, satin, taffeta, etc., each fabric has its unique characteristics and applicability.

　　

　　The fabrics of wedding dresses are varied, and each kind of fabric can add different styles and charms to the wedding dresses. Light and transparent silky yarn can show women’s femininity and romance, noble and gorgeous silk reflects women’s elegance and elegance, while exquisite embroidered lace can show women’s grace and beauty. These different fabric choices provide the bride with more possibilities to express her style and personality. When choosing a wedding dress, the bride can choose suitable fabrics according to her own preferences, occasions and wedding themes, and create a unique and beautiful wedding dress under the guidance of designers. No matter what kind of fabric, the wedding dress is a symbol of love and dreams. Through the choice of fabric, brides can find the wedding dress that suits them best, making this moment more sacred and unforgettable.

　　Bed is probably the most consumption life time place! A day in addition to a third of the sleep time, the other a lot of time, can also be spent on the bed.As can be seen from the new data, pu-erh tea The market influence is also growing, and the product share is also relatively increasing, which has great potential in the future.

　　

　　Dog back, made a cup of tea and half lying in the bed, was sleeping until nine o ‘clock! Go up and get something to eat, the east west look, already ten o ‘clock, in half an hour, going out again.

　　

　　Back on the playground, the ongoing autumn sports meeting of rehearsal. Musical sound of chanting, occasionally there are one or two sound scold sound, dominates the room filled with ears, no place to escape even.

　　

　　Person, want to quiet for a while now, it’s too difficult. Have a computer, television, mobile phone at home. These things no matter use, is usually open. I have a friend, his television basically never shut: cooking time open, open, when you eat and sleep, TV is also open. Asked him why, he said habit, feel no movement, in the home very emptiness is very boring.

　　

　　Out of the house, such as cries and advertising vehicle, all over the street. Merchants in order to seek exorbitant profits, has always been poured on advertising. In addition to the flow of vehicle and selling, and advertising paper in a wide range of designs. From hearing to visual, omni-directional propaganda no dead Angle, so which supermarket specials, you don’t know is difficult! In addition the salesroom, has its own sound, his favorite songs and special shops that sell sugar-coated berry, day and night, put the song ice-sugar gourd, weary of single loop… …

　　

　　So, now the people want to quiet, to have deep spiritual practice. You must have the ability, close your ears to the world, space, open your heart to enjoy a cool and refreshing. Just such an opportunity, but also not much. Such and such things, always copy your heart very full is a mess. Many want to have a heart quiet ethereal! Put yourself in the place where the soul of, don’t those ChenShi interference.

　　

　　All the fruit in the home, all have no, but how to don’t want to go out to buy. Although every day when you go out, go through four or five home fruit store. Not forget to take money, is to bring the money and forget to buy it. Home is always open the door of that a moment, before crashing. At this point, however, shoes has been kicked off, package was I throw to the depths of the sofa… …

　　

　　And so next time, may is so every time.

　　

　　Used to open the computer, the trouble to listen to the shaoxing opera. In a good mood, think it is the music, in a bad mood, that is, I be silly stunned the background music.

　　

　　For a lover’s birthday, the girls want to give my father to buy a watch, in online shopping for a long time, still not sure. Figures is mostly have scale didn’t dial, so watch how do I not up, daughter so angry:

　　

　　”Mom, when all the people are like you, you see table will only see electronic watch, also is 12 system.”

　　

　　”Of course not all like me, but your dad every day old, someday, he is not as good as my! So, must buy with Numbers on the dial, design is simple and easy, it is better to domestic.”

　　

　　”Domestic mechanical or quartz? What brand do you want?”

　　

　　”To quartz, need not everyday winding, brand to the seagull.”

　　

　　”Gull? Never heard of.”

　　

　　”The Internet, as a Chinese, incredibly don’t know the seagull watch?”

　　

　　A daughter called me again:

　　

　　”Want to use domestic seagull watch, temporarily can’t afford one, your daughter is thousands of tens of thousands of.”

　　

　　Then, my daughter on QQ, send me a link, I open on see, isn’t it? Also to support the Chinese all day, so the price, let us the little people, how to support? A newlywed, bought a watch the seagulls, less than 200 dollars.

　　

　　Love came back from work, said to him. See I wasn’t impressed, he looked at me and said:

　　

　　”You are less than 200 pieces, I was monthly salary less than 120 yuan! For more than a month of wages, or to the present, not thousands of useful!”

　　

　　”Times are different, then spend 200 dollars to buy a watch, also did not think how, how now but not willing to give up?”

　　

　　”Don’t think that way, that was didn’t spend your money.”

　　

　　”You don’t say you bought me a watch, to now you still love dearly!”

　　

　　Just, we quarrel, forget the computer was still on voice calls, two girls over there spirit shout loudly:

　　

　　”How noisy again? Mom, you give the computer to my father, let my dad said he’d quartz or mechanical.” , I put my computer to lover.

　　

　　”I want to mechanical, don’t be too high price, didn’t I give you remit money.”

　　

　　”Dial? Digital or graduated? Color should be black and white or grey days?”

　　

　　”Digital calibration, color should be black and white.”

　　

　　”Oh, is it not a watch? Things are!” I can’t help by chimed in.

　　

　　”Dad, are you sure?”

　　

　　”Sure, your mother rush to surf the Internet!”

　　

　　”Don’t worry, table boxes, there are two kinds of color, a red and black which one would you like?”

　　

　　”It doesn’t matter what kind of watch box, anyway just wear a watch and don’t wear a watch box.” And I say a word of mouth.

　　

　　”Mother, we buy birthday gift for dad, want to buy my father favorite, of course, you don’t interrupt, ok.”

　　

　　”What color do you like table box, what colour will! Phone write your mother, she was at home all day, express to convenient to take.”

　　

　　Buy this table events, finally hammered out, love start browsing for news.

　　

　　”Take headphones to you, I want to quiet for a while.”

　　

　　”Want to quiet, what did you do for dinner?” Yeah, just and daughter discuss watch things, how to forget to do dinner?

　　

　　You see, this want to quiet for a moment, really difficult! You can close the earth is the ear, you don’t shut the appetite of the world! Darling still cooking go to! Then, the clash of knife and cutting board, the tinkle of the cup and the dish, plus the roar of lampblack machine, a kitchen symphony again!

　　

　　”Shut the kitchen door, noisy dead.” Lover to roar, I closed the door of the kitchen. Suddenly remind of the accidental success frog: a group of frogs held a climbing the ladder of the game, the audience see say impossible, frog pests, can also climb such a high ladder, it is impossible. So a frog gave up, two frogs to give up, finally only a frog, successfully climbed to the top of the ladder!

　　

　　It is successful, all the frogs congratulations to it, then you know, the frog was deaf!

　　

　　Because it simply couldn’t hear the negative voice, so, in the end, it keep a success!

　　

　　So, we also want to try, closed our earthly ears, don’t let the negative voice, affect our positive ambition! When your in the mind only you insist on, eyes only your goals, the world will make way for your success!

　　This comprehensive guide will walk you through the step-by-step process of hiring a domestic helper, including the necessary documentation and legal requirements.in fact maid agency Singapore It is more and more welcomed by our customers, and its market performance is gradually improving. https://1achieve.net

　　

　　ESSENTIAL KNOWLEDGE

　　

　　7/24/20246 min read

　　

　　Domestic maid in modern living room in Singapore

　　

　　Step-by-Step Guide on How to Hire a Domestic Helper

　　

　　1. Determine Your Needs

　　

　　The first step in hiring a domestic helper is to assess your household’s specific needs. Determine what tasks the helper will be responsible for, such as:

　　

　　- Cleaning: General housekeeping duties including vacuuming, mopping, dusting, and laundry.

　　

　　- Cooking: Meal preparation and kitchen duties, which may also include grocery shopping.

　　

　　- Childcare: Taking care of children, including feeding, bathing, and supervising their activities.

　　

　　- Elderly Care: Assisting elderly family members with daily tasks, administering medication, and ensuring their well-being.

　　

　　- Pet Care: Looking after pets, which may include feeding, walking, and grooming.

　　

　　Understanding your specific needs will help you select the right candidate who possesses the skills and experience to fulfill these tasks.

　　

　　2. Budgeting and Salary

　　

　　Establishing a budget is crucial before embarking on the hiring process. The monthly salary of a domestic helper in Singapore varies based on factors such as the helper¨s experience and nationality. On average, salaries range from SGD 450 to SGD 600.

　　

　　In addition to the salary, consider other expenses such as:

　　

　　- Food and Accommodation: Helpers are entitled to adequate food and a suitable living space.

　　

　　- Medical Insurance: Mandatory coverage of at least SGD 15,000 per year for inpatient care and day surgery.

　　

　　- Levy: Monthly levy payment to the Ministry of Manpower (MOM). Rates vary depending on the household¨s needs.

　　

　　- Security Bond: A financial guarantee to the Singapore government, typically SGD 5,000 for non-Malaysian helpers.

　　

　　3. Selecting an Employment Agency

　　

　　Choosing a reputable maid agency registered with the Ministry of Manpower (MOM) can simplify the hiring process. Agencies handle much of the paperwork and can provide candidates that match your requirements. When selecting an agency, consider the following:

　　

　　- Reputation: Research the agency¨s track record and read reviews from other employers.

　　

　　- Services Offered: Ensure the agency provides comprehensive services, including medical check-ups, training, and documentation assistance.

　　

　　- Fees: Understand the agency¨s fee structure and any additional costs involved.

　　

　　4. Interview Potential Helpers

　　

　　Conducting interviews is a crucial step to ensure you find a suitable domestic helper. Prepare a list of questions to assess the candidate¨s experience, skills, and compatibility with your family. Some important aspects to consider during the interview include:

　　

　　- Work Experience: Ask about their previous employment, specific tasks they handled, and the duration of their employment.

　　

　　- Skills: Evaluate their proficiency in tasks relevant to your needs, such as cooking, cleaning, or childcare.

　　

　　- Language Proficiency: Communication is key, so ensure the candidate has a reasonable command of a language you and your family are comfortable with.

　　

　　- Personality and Compatibility: Consider whether the candidate¨s personality and values align with your family¨s dynamics.

　　

　　5. Medical Examination

　　

　　Before hiring, ensure the candidate undergoes a medical examination to confirm they are fit for work. This is a mandatory requirement by MOM. The medical examination typically includes:

　　

　　- Health Screening: General health assessment to check for any pre-existing conditions.

　　

　　- Infectious Disease Tests: Tests for infectious diseases such as tuberculosis, HIV, and hepatitis.

　　

　　6. Apply for a Work Permit

　　

　　Once you¨ve selected a candidate, the next step is to apply for a work permit. This can be done through MOM¨s website. The application process involves:

　　

　　- Filling out the Application Form: Provide necessary details about yourself and the helper.

　　

　　- Paying the Application Fee: The fee varies and is payable online.

　　

　　7. Purchase Medical Insurance and a Security Bond

　　

　　It¨s mandatory to purchase medical insurance and a security bond for the helper.

　　

　　- Medical Insurance: Coverage should be at least SGD 15,000 per year for inpatient care and day surgery. This ensures the helper has access to medical care if needed. [Please refer to MOM website for the latest required coverage amount LINK” target=_blank>

　　

　　- Security Bond: A financial guarantee to the Singapore government, usually SGD 5,000 for non-Malaysian helpers. This bond can be in the form of a banker¨s guarantee or insurance.

　　

　　8. Orientation Program

　　

　　Both you and your helper must attend the Settling-In Programme (SIP) and Employers’ Orientation Programme (EOP) [LINK” target=_blank> . The SIP is a one-day course designed to educate first-time helpers and employers on safety, rights, and responsibilities. The program includes:

　　

　　- Safety Training: Teaching helpers about safe working practices and accident prevention.

　　

　　- Rights and Responsibilities: Educating both parties on their legal rights and responsibilities.

　　

　　- Cultural Orientation: Helping helpers adapt to the cultural norms and practices in Singapore.

　　

　　9. Arrival and Settling In

　　

　　Once all the documentation is in place, arrange for the helper¨s arrival in Singapore. Upon arrival, it¨s important to provide a smooth settling-in process. Consider the following:

　　

　　- Orientation: Introduce the helper to your home and the surrounding area. Explain household routines and rules.

　　

　　- Expectations: Clearly outline the helper¨s duties, working hours, and rest days. Establish open communication to address any concerns or questions.

　　

　　- Support: Provide the helper with necessary supplies, such as toiletries and work-related tools. Offer assistance in adapting to the new environment.

　　

　　10. Ongoing Management

　　

　　Maintaining a positive working relationship with your helper requires ongoing management. Here are some tips:

　　

　　- Regular Communication: Keep an open line of communication to address any issues or misunderstandings promptly.

　　

　　- Fair Treatment: Treat your helper with respect and fairness. Ensure they have adequate rest, reasonable working hours, and proper living conditions.

　　

　　- Compliance with Regulations: Stay informed about MOM regulations and ensure compliance. This includes timely renewal of work permits, paying the monthly levy, and providing medical insurance.

　　

　　Necessary Documentation and Legal Requirements

　　

　　1. Work Permit Application

　　

　　The work permit application involves several documents and steps:

　　

　　- Completed Application Form: Available on MOM¨s website.

　　

　　- Copy of the Helper¨s Passport: Ensure it¨s valid for at least 7 months.

　　

　　- Employment Contract: A contract signed by both parties outlining the terms of employment, salary, rest days, and other conditions.

　　

　　- Medical Examination Report: A report confirming the helper is fit for work.

　　

　　2. Medical Insurance

　　

　　You must purchase medical insurance that covers at least SGD 15,000 per year for inpatient care and day surgery. This ensures that the helper has access to necessary medical care without financial strain on either party.

　　

　　3. Security Bond

　　

　　A security bond of SGD 5,000 is required for non-Malaysian helpers. This bond acts as a financial guarantee to the Singapore government. It can be in the form of a banker¨s guarantee or insurance. The security bond ensures compliance with MOM regulations and covers any potential repatriation costs if the helper breaches the terms of employment.

　　

　　4. Settling-In Programme (SIP)

　　

　　The Settling-In Programme is mandatory for first-time helpers and employers. The one-day course includes:

　　

　　- Safety and Health Practices: Training on workplace safety and health.

　　

　　- Rights and Responsibilities: Information on the legal rights and responsibilities of both employers and helpers.

　　

　　- Cultural Adaptation: Guidance on adapting to the cultural norms and practices in Singapore.

　　

　　5. Monthly Levy

　　

　　Employers are required to pay a monthly levy to MOM. The levy rates vary based on the type of household and whether the helper is caring for children, elderly, or disabled family members. Levy rates are typically lower for households with dependents who need care.

　　

　　6. Employer¨s Orientation Programme (EOP)

　　

　　First-time employers must attend the Employer¨s Orientation Programme. This program can be completed online or in person and covers:

　　

　　- Responsibilities as an Employer: Understanding your obligations and responsibilities as an employer.

　　

　　- Employment Regulations: Information on MOM regulations and how to comply with them.

　　

　　- Conflict Resolution: Strategies for managing conflicts and maintaining a positive working relationship with your helper.

　　

　　7. Employment Contract

　　

　　An employment contract is a legally binding document that outlines the terms of employment. It should include:

　　

　　- Duties and Responsibilities: A detailed list of the helper¨s duties and responsibilities.

　　

　　- Salary: The agreed monthly salary and any additional allowances.

　　

　　- Rest Days: The number of rest days per month and compensation for working on rest days.

　　

　　- Working Hours: The expected working hours and any overtime policies.

　　

　　- Termination Clause: Conditions under which the employment contract can be terminated by either party.

　　

　　8. Rest Days and Overtime

　　

　　Helpers are entitled to at least one rest day per week. If the helper agrees to work on a rest day, they must be compensated with extra pay or given another rest day in lieu. Ensure that the employment contract clearly outlines the rest day policy and compensation for overtime work.

　　

　　Conclusion

　　

　　Hiring a domestic helper in Singapore involves several steps and adherence to legal requirements. By following this comprehensive guide and ensuring all necessary documentation is in place, you can smoothly navigate the hiring process and establish a positive working relationship with your domestic helper.

　　

　　Remember, a harmonious employer-helper relationship is built on mutual respect, clear communication, and compliance with regulations. Taking the time to understand and fulfill your responsibilities as an employer will create a positive environment for both you and your helper.

　　

　　—

　　

　　Feel free to ask if you need more details or have specific questions about any part of the process!

　　The wedding day is an important day for everyone, and the wedding dress, as a necessary thing for marriage, is regarded as one of the most important dresses for the bride. The choice of wedding dress is very important, not only considering the factors such as style, fabric and tailoring, but also paying attention to the color of wedding dress. In fact, the color of wedding dress is not limited to the traditional white, and different colors convey different meanings and implications. It is very important to know the color of wedding dress when choosing wedding dress.This means that Wedding Dresses It is the weather vane of the industry and can bring people great self-confidence. https://bridalbloom.net/

　　

　　Traditionally, white has always been regarded as the representative color of weddings. White represents purity, innocence and solemnity. The custom of wearing a white wedding dress at a wedding can be traced back to Europe centuries ago, when the church recognized that the white wedding dress represented the purity and innocence of the bride. White wedding dress has become the mainstream choice for weddings. In different cultural backgrounds, white has different meanings. In eastern culture, white is the representative color of mourning and funeral, so in some Asian countries, brides will choose other colors of wedding dresses.

　　

　　In addition to white, pink is also one of the common colors of wedding dresses. Pink represents romance, gentleness and girlish feeling. Pink wedding dresses are often loved by young brides to express their beautiful expectations and longings for marriage. When choosing a pink wedding dress, you need to pay attention to the choice of hue. Too bright or light pink colors may give people a sense of cheapness, and proper matching of shades is very important.

　　

　　Another color is red, which symbolizes blessing and prosperity. In China culture, red symbolizes happiness and good luck, and is regarded as the representative color of weddings. Many China brides choose to wear red wedding dresses to express their expectations and blessings for their newly married life. The red wedding dress can also show the bride’s elegant demeanor and personality, giving people a feeling of enthusiasm. Although red wedding dresses are not common in western culture, in recent years, more and more brides choose red wedding dresses as the highlight of their wedding.

　　

　　In addition to the traditional white, pink and red, there are many other color wedding dresses to choose from in modern weddings. Light blue represents softness and happiness, while champagne symbolizes nobility and elegance. Purple, on the other hand, is considered as a romantic and mysterious color. Gold and silver wedding dresses are also often chosen, which can show the feeling of gorgeous and luxury. Each color has its own unique meaning and atmosphere, and the bride can choose the appropriate color according to her own preferences and wedding theme.

　　

　　When choosing a wedding dress color, the bride should also consider her skin color and hair color. People with different skin colors and hair colors are suitable for different wedding colors. White wedding dresses are suitable for almost all skin colors, while pink wedding dresses are especially suitable for brides with fair skin. Gold and silver wedding dresses are suitable for brides with yellow and black skin, while red wedding dresses are more suitable for brides with darker skin.

　　

　　When choosing the wedding dress color, we should not only consider the traditional customs and cultural background, but also consider personal preferences and skin color characteristics. Wedding dress is one of the most important dresses for the bride. Choosing a suitable wedding dress color can better show the bride’s charm and personality. No matter which color wedding dress you choose, the most important thing is that the bride should greet the wedding with a happy and beautiful smile.

　　Bed is probably the most consumption life time place! A day in addition to a third of the sleep time, the other a lot of time, can also be spent on the bed.know pu-erh tea Our growth has to go through many hardships, but entrepreneurs are never afraid and boldly move forward.

　　

　　Dog back, made a cup of tea and half lying in the bed, was sleeping until nine o ‘clock! Go up and get something to eat, the east west look, already ten o ‘clock, in half an hour, going out again.

　　

　　Back on the playground, the ongoing autumn sports meeting of rehearsal. Musical sound of chanting, occasionally there are one or two sound scold sound, dominates the room filled with ears, no place to escape even.

　　

　　Person, want to quiet for a while now, it’s too difficult. Have a computer, television, mobile phone at home. These things no matter use, is usually open. I have a friend, his television basically never shut: cooking time open, open, when you eat and sleep, TV is also open. Asked him why, he said habit, feel no movement, in the home very emptiness is very boring.

　　

　　Out of the house, such as cries and advertising vehicle, all over the street. Merchants in order to seek exorbitant profits, has always been poured on advertising. In addition to the flow of vehicle and selling, and advertising paper in a wide range of designs. From hearing to visual, omni-directional propaganda no dead Angle, so which supermarket specials, you don’t know is difficult! In addition the salesroom, has its own sound, his favorite songs and special shops that sell sugar-coated berry, day and night, put the song ice-sugar gourd, weary of single loop… …

　　

　　So, now the people want to quiet, to have deep spiritual practice. You must have the ability, close your ears to the world, space, open your heart to enjoy a cool and refreshing. Just such an opportunity, but also not much. Such and such things, always copy your heart very full is a mess. Many want to have a heart quiet ethereal! Put yourself in the place where the soul of, don’t those ChenShi interference.

　　

　　All the fruit in the home, all have no, but how to don’t want to go out to buy. Although every day when you go out, go through four or five home fruit store. Not forget to take money, is to bring the money and forget to buy it. Home is always open the door of that a moment, before crashing. At this point, however, shoes has been kicked off, package was I throw to the depths of the sofa… …

　　

　　And so next time, may is so every time.

　　

　　Used to open the computer, the trouble to listen to the shaoxing opera. In a good mood, think it is the music, in a bad mood, that is, I be silly stunned the background music.

　　

　　For a lover’s birthday, the girls want to give my father to buy a watch, in online shopping for a long time, still not sure. Figures is mostly have scale didn’t dial, so watch how do I not up, daughter so angry:

　　

　　”Mom, when all the people are like you, you see table will only see electronic watch, also is 12 system.”

　　

　　”Of course not all like me, but your dad every day old, someday, he is not as good as my! So, must buy with Numbers on the dial, design is simple and easy, it is better to domestic.”

　　

　　”Domestic mechanical or quartz? What brand do you want?”

　　

　　”To quartz, need not everyday winding, brand to the seagull.”

　　

　　”Gull? Never heard of.”

　　

　　”The Internet, as a Chinese, incredibly don’t know the seagull watch?”

　　

　　A daughter called me again:

　　

　　”Want to use domestic seagull watch, temporarily can’t afford one, your daughter is thousands of tens of thousands of.”

　　

　　Then, my daughter on QQ, send me a link, I open on see, isn’t it? Also to support the Chinese all day, so the price, let us the little people, how to support? A newlywed, bought a watch the seagulls, less than 200 dollars.

　　

　　Love came back from work, said to him. See I wasn’t impressed, he looked at me and said:

　　

　　”You are less than 200 pieces, I was monthly salary less than 120 yuan! For more than a month of wages, or to the present, not thousands of useful!”

　　

　　”Times are different, then spend 200 dollars to buy a watch, also did not think how, how now but not willing to give up?”

　　

　　”Don’t think that way, that was didn’t spend your money.”

　　

　　”You don’t say you bought me a watch, to now you still love dearly!”

　　

　　Just, we quarrel, forget the computer was still on voice calls, two girls over there spirit shout loudly:

　　

　　”How noisy again? Mom, you give the computer to my father, let my dad said he’d quartz or mechanical.” , I put my computer to lover.

　　

　　”I want to mechanical, don’t be too high price, didn’t I give you remit money.”

　　

　　”Dial? Digital or graduated? Color should be black and white or grey days?”

　　

　　”Digital calibration, color should be black and white.”

　　

　　”Oh, is it not a watch? Things are!” I can’t help by chimed in.

　　

　　”Dad, are you sure?”

　　

　　”Sure, your mother rush to surf the Internet!”

　　

　　”Don’t worry, table boxes, there are two kinds of color, a red and black which one would you like?”

　　

　　”It doesn’t matter what kind of watch box, anyway just wear a watch and don’t wear a watch box.” And I say a word of mouth.

　　

　　”Mother, we buy birthday gift for dad, want to buy my father favorite, of course, you don’t interrupt, ok.”

　　

　　”What color do you like table box, what colour will! Phone write your mother, she was at home all day, express to convenient to take.”

　　

　　Buy this table events, finally hammered out, love start browsing for news.

　　

　　”Take headphones to you, I want to quiet for a while.”

　　

　　”Want to quiet, what did you do for dinner?” Yeah, just and daughter discuss watch things, how to forget to do dinner?

　　

　　You see, this want to quiet for a moment, really difficult! You can close the earth is the ear, you don’t shut the appetite of the world! Darling still cooking go to! Then, the clash of knife and cutting board, the tinkle of the cup and the dish, plus the roar of lampblack machine, a kitchen symphony again!

　　

　　”Shut the kitchen door, noisy dead.” Lover to roar, I closed the door of the kitchen. Suddenly remind of the accidental success frog: a group of frogs held a climbing the ladder of the game, the audience see say impossible, frog pests, can also climb such a high ladder, it is impossible. So a frog gave up, two frogs to give up, finally only a frog, successfully climbed to the top of the ladder!

　　

　　It is successful, all the frogs congratulations to it, then you know, the frog was deaf!

　　

　　Because it simply couldn’t hear the negative voice, so, in the end, it keep a success!

　　

　　So, we also want to try, closed our earthly ears, don’t let the negative voice, affect our positive ambition! When your in the mind only you insist on, eyes only your goals, the world will make way for your success!

　　This blog post will provide a detailed breakdown of the costs associated with hiring a domestic helper in Singapore and offer tips on budgeting for this expense.As we all know, maid agency Singapore The emergence of the market is worthy of many people’s attention, which has aroused the waves of the whole market. https://1achieve.net

　　

　　ESSENTIAL KNOWLEDGE

　　

　　Bryan

　　

　　7/27/20247 min read

　　

　　Breakdown of Costs

　　

　　1. Agency Fees

　　

　　Most employers in Singapore hire domestic helpers through licensed employment agencies. These agencies charge a fee for their services, which can vary widely depending on the agency and the services provided.

　　

　　Initial Agency Fees: These fees typically range from SGD 1,000 to SGD 3,000 and cover services such as sourcing candidates, conducting interviews, arranging medical examinations, and processing work permits.

　　

　　Replacement Fees: If the hired helper does not meet expectations or leaves before the contract ends, some agencies offer a replacement service, which may incur additional costs.

　　

　　When selecting an agency, consider its reputation, services offered, and fee structure. Reputable agencies often provide comprehensive services that include post-placement support, which can be valuable in ensuring a smooth employment relationship.

　　

　　2. Salary

　　

　　The monthly salary of a domestic helper depends on factors such as nationality, experience, and the specific duties required. Here are the average salary ranges for FRESH and some Experienced Helpers:

　　

　　Filipino Helpers: SGD 600 to SGD 700

　　

　　Indonesian Helpers: SGD 550 to SGD 650

　　

　　Myanmar Helpers: SGD 450 to SGD 550

　　

　　These figures can vary based on the helper’s experience and skill level. It¨s important to agree on a fair salary that meets both parties’ expectations. Additionally, consider offering performance-based incentives or bonuses to motivate and reward your helper for excellent work.

　　

　　3. Monthly Levy

　　

　　The Ministry of Manpower (MOM) imposes a monthly levy on employers of foreign domestic workers. The levy amount depends on the household’s specific needs:

　　

　　Standard Levy: SGD 300 per month

　　

　　Concessionary Levy: SGD 60 per month (for households with young children, elderly members, or disabled family members)

　　

　　To qualify for the concessionary levy, employers must meet certain criteria set by MOM, such as having a child below 16 years old or an elderly family member aged 67 and above. Click on this LINK to find out more.

　　

　　4. Medical Insurance and Security Bond

　　

　　Employers are required to purchase medical insurance and provide a security bond for their domestic helpers.

　　

　　Medical Insurance: A minimum coverage of SGD 15,000 per year for inpatient care and day surgery is required. This can cost between SGD 150 and SGD 300 annually.

　　

　　Security Bond: A SGD 5,000 security bond (for non-Malaysian helpers) acts as a financial guarantee to the Singapore government. This bond can be in the form of insurance, which typically costs around SGD 50 to SGD 80 per year.

　　

　　Ensuring comprehensive medical insurance coverage can provide peace of mind, as it covers hospitalization and surgical expenses that may arise during the helper¨s employment.

　　

　　5. Settling-In Programme (SIP)

　　

　　The Settling-In Programme is mandatory for first-time helpers and employers. The one-day course costs SGD 75 and is designed to educate both parties on safety, rights, and responsibilities.

　　

　　The SIP includes:

　　

　　Workplace Safety: Training on how to handle household equipment safely and avoid accidents.

　　

　　Cultural Orientation: Helping helpers adapt to the cultural norms and practices in Singapore.

　　

　　Rights and Responsibilities: Educating both parties on their legal rights and obligations.

　　

　　6. Food and Accommodation

　　

　　Employers must provide adequate food and suitable living conditions for their domestic helpers. The estimated monthly cost for food is around SGD 200 to SGD 300, depending on dietary needs. Accommodation costs can vary based on the living arrangements provided.

　　

　　Food: Ensure the helper has access to nutritious meals that meet her dietary requirements. Some employers choose to provide groceries, while others give a food allowance.

　　

　　Accommodation: Provide a private room or a suitable sleeping area that offers privacy and comfort. The room should be well-ventilated and equipped with basic amenities.

　　

　　7. Annual Medical Check-Up

　　

　　Helpers are required to undergo an annual medical examination to ensure they are fit for work. The cost of this check-up ranges from SGD 80 to SGD 150.

　　

　　The annual check-up includes:

　　

　　General Health Screening: Assessing overall health and detecting any medical issues.

　　

　　Infectious Disease Testing: Ensuring the helper is free from infectious diseases that could pose a risk to the household.

　　

　　8. Other Expenses

　　

　　Training: Some employers invest in additional training for their helpers, such as cooking or childcare courses. These can range from SGD 100 to SGD 500.

　　

　　Miscellaneous Costs: These include work-related tools, toiletries, and transportation expenses for the helper.

　　

　　Investing in training can enhance the helper¨s skills and improve the quality of service provided. Additionally, ensuring that the helper has access to necessary work tools and personal items can contribute to her overall well-being and job satisfaction.

　　

　　Tips on Budgeting for a Domestic Helper

　　

　　1. Calculate Total Monthly Expenses

　　

　　When budgeting for a domestic helper, it¨s essential to calculate the total monthly expenses. Include the helper¨s salary, monthly levy, food, accommodation, and any other recurring costs. This will give you a clear picture of the monthly financial commitment.

　　

　　For example, if you hire an Indonesian helper with a salary of SGD 600 and qualify for the concessionary levy of SGD 60, your monthly expenses might look like this:

　　

　　Salary: SGD 600

　　

　　Levy: SGD 60

　　

　　Food: SGD 250

　　

　　Accommodation: SGD 100 (if providing a private room incurs additional utility costs)

　　

　　Medical Insurance: SGD 25 (annual cost divided by 12)

　　

　　Total Monthly Expense: SGD 1,035

　　

　　2. Plan for One-Time Costs

　　

　　Factor in one-time costs such as agency fees, initial medical examinations, and the Settling-In Programme. These expenses can add up, so it¨s important to plan for them in advance.

　　

　　For example:

　　

　　Agency Fees: SGD 2,000

　　

　　Initial Medical Examination: SGD 100

　　

　　Settling-In Programme: SGD 75

　　

　　Total One-Time Cost: SGD 2,175

　　

　　3. Set Aside an Emergency Fund

　　

　　It¨s wise to set aside an emergency fund to cover unexpected expenses, such as medical emergencies or early termination of the helper¨s contract. This fund can provide financial security and peace of mind.

　　

　　Consider setting aside a few months’ worth of the total monthly expense as an emergency fund. For instance, having an emergency fund of SGD 3,000 can cover approximately three months of expenses.

　　

　　4. Consider Concessionary Levy Eligibility

　　

　　If you have young children, elderly, or disabled family members, check if you qualify for the concessionary levy. This can significantly reduce your monthly expenses.

　　

　　To apply for the concessionary levy, submit the necessary documents to MOM, such as the birth certificate of a child or medical certification for an elderly family member.

　　

　　5. Review Insurance Options

　　

　　Compare different insurance providers to find the best coverage at a reasonable price. Ensure that the medical insurance and security bond meet MOM¨s requirements.

　　

　　Look for comprehensive plans that cover hospitalization, surgery, and other medical expenses. Some insurance providers offer bundled packages that include both the medical insurance and security bond, which can be cost-effective.

　　

　　6. Monitor and Adjust Your Budget

　　

　　Regularly review your budget to ensure you are on track. Adjust it as needed to accommodate any changes in expenses or unexpected costs.

　　

　　Keep track of all expenses related to the helper, including food, accommodation, and medical costs. Use a budgeting app or spreadsheet to monitor these expenses and make adjustments as necessary.

　　

　　7. Communicate Clearly with Your Helper

　　

　　Clear communication with your helper regarding salary, duties, and expectations can prevent misunderstandings and additional costs. Ensure that both parties are aware of the agreed terms and conditions.

　　

　　Hold regular meetings with your helper to discuss her performance, address any concerns, and provide feedback. This can help maintain a positive working relationship and ensure that any issues are resolved promptly.

　　

　　8. Utilize Government Resources

　　

　　Take advantage of resources provided by MOM and other government agencies. These can include guidelines, support programs, and financial assistance schemes.

　　

　　Visit the MOM website for the latest information on regulations, levy rates, and support programs. Additionally, consider attending workshops or seminars on managing domestic helpers, which can provide valuable insights and tips.

　　

　　9. Plan for Long-Term Employment

　　

　　When hiring a domestic helper, consider the long-term financial commitment. A typical employment contract lasts for two years, but it can be extended if both parties agree.

　　

　　Plan for the long-term costs by:

　　

　　Calculating Total Costs Over Two Years: Multiply the monthly expenses by 24 months and add any recurring annual costs.

　　

　　Budgeting for Contract Renewal: If you plan to renew the helper¨s contract, budget for the renewal fees, medical check-up, and any other associated costs.

　　

　　For example, if the total monthly expense is SGD 1,035, the two-year cost would be:

　　

　　Total Monthly Expenses: SGD 1,035 x 24 = SGD 24,840

　　

　　Annual Medical Check-Up (Two Years): SGD 100 x 2 = SGD 200

　　

　　Insurance and Security Bond (Two Years): SGD 300 x 2 = SGD 600

　　

　　Total Long-Term Cost: SGD 25,640

　　

　　10. Explore Financial Assistance Options

　　

　　Some employers may be eligible for financial assistance programs to help offset the costs of hiring a domestic helper. Check if you qualify for any government subsidies or assistance schemes.

　　

　　For example, the Foreign Domestic Worker Levy Concession for Persons with Disabilities (PWD) scheme provides a concessionary levy rate for households with members who have disabilities. Additionally, some community organizations offer grants or financial assistance for families in need.

　　

　　11. Maintain Proper Documentation

　　

　　Keep all necessary documents and receipts related to the employment of your helper. This includes employment contracts, insurance policies, medical reports, and payment receipts.

　　

　　Proper documentation ensures compliance with MOM regulations and provides a record of all transactions and agreements. It can also be useful in resolving any disputes or misunderstandings that may arise.

　　

　　12. Evaluate Cost-Effective Alternatives

　　

　　Consider cost-effective alternatives to reduce expenses. For instance, you can:

　　

　　Provide Shared Accommodation: If space allows, consider providing shared accommodation with another helper to save on utility costs.

　　

　　Purchase Groceries in Bulk: Buying groceries in bulk can reduce food costs and ensure the helper has access to necessary supplies.

　　

　　Invest in Energy-Efficient Appliances: Using energy-efficient appliances can lower utility bills and reduce overall costs.

　　

　　Conclusion

　　

　　Hiring a domestic helper involves various costs, including agency fees, salary, levy, insurance, and other expenses. By understanding these costs and following budgeting tips, you can effectively manage your finances and ensure a positive working relationship with your helper.

　　

　　Proper planning and clear communication are key to maintaining a harmonious household and making the most of the support provided by a domestic helper. By considering long-term costs, setting aside an emergency fund, and utilizing available resources, you can create a budget that accommodates the financial commitment of hiring a domestic helper while ensuring a positive experience for both your family and the helper.

　　

　　Taking the time to plan and budget carefully will not only help you manage expenses but also foster a respectful and productive working relationship with your domestic helper, contributing to the overall well-being and harmony of your household.

　　The wedding day is an important day for everyone, and the wedding dress, as a necessary thing for marriage, is regarded as one of the most important dresses for the bride. The choice of wedding dress is very important, not only considering the factors such as style, fabric and tailoring, but also paying attention to the color of wedding dress. In fact, the color of wedding dress is not limited to the traditional white, and different colors convey different meanings and implications. It is very important to know the color of wedding dress when choosing wedding dress.However, in other words, we should know more about it. Wedding Accessories The law of development has brought new vitality to the whole industry and revitalized the market. https://bridalbloom.net/

　　

　　Traditionally, white has always been regarded as the representative color of weddings. White represents purity, innocence and solemnity. The custom of wearing a white wedding dress at a wedding can be traced back to Europe centuries ago, when the church recognized that the white wedding dress represented the purity and innocence of the bride. White wedding dress has become the mainstream choice for weddings. In different cultural backgrounds, white has different meanings. In eastern culture, white is the representative color of mourning and funeral, so in some Asian countries, brides will choose other colors of wedding dresses.

　　

　　In addition to white, pink is also one of the common colors of wedding dresses. Pink represents romance, gentleness and girlish feeling. Pink wedding dresses are often loved by young brides to express their beautiful expectations and longings for marriage. When choosing a pink wedding dress, you need to pay attention to the choice of hue. Too bright or light pink colors may give people a sense of cheapness, and proper matching of shades is very important.

　　

　　Another color is red, which symbolizes blessing and prosperity. In China culture, red symbolizes happiness and good luck, and is regarded as the representative color of weddings. Many China brides choose to wear red wedding dresses to express their expectations and blessings for their newly married life. The red wedding dress can also show the bride’s elegant demeanor and personality, giving people a feeling of enthusiasm. Although red wedding dresses are not common in western culture, in recent years, more and more brides choose red wedding dresses as the highlight of their wedding.

　　

　　In addition to the traditional white, pink and red, there are many other color wedding dresses to choose from in modern weddings. Light blue represents softness and happiness, while champagne symbolizes nobility and elegance. Purple, on the other hand, is considered as a romantic and mysterious color. Gold and silver wedding dresses are also often chosen, which can show the feeling of gorgeous and luxury. Each color has its own unique meaning and atmosphere, and the bride can choose the appropriate color according to her own preferences and wedding theme.

　　

　　When choosing a wedding dress color, the bride should also consider her skin color and hair color. People with different skin colors and hair colors are suitable for different wedding colors. White wedding dresses are suitable for almost all skin colors, while pink wedding dresses are especially suitable for brides with fair skin. Gold and silver wedding dresses are suitable for brides with yellow and black skin, while red wedding dresses are more suitable for brides with darker skin.

　　

　　When choosing the wedding dress color, we should not only consider the traditional customs and cultural background, but also consider personal preferences and skin color characteristics. Wedding dress is one of the most important dresses for the bride. Choosing a suitable wedding dress color can better show the bride’s charm and personality. No matter which color wedding dress you choose, the most important thing is that the bride should greet the wedding with a happy and beautiful smile.

　　Summer dusk, I sit with an old Chinese medicine in the breeze slowly chatting the river. Suddenly, the old man stared at my face for a moment and did not say anything. I was his heart to see some hair, asked: “The elderly, you are so concerned about my face, is not something to see ah?By comparison, it can be seen that pu-erh tea It has certain advantages and great cost performance.

　　

　　Old man smiled and said: “I am from primary school medicine, the teacher told me again and again, ‘people peace of mind level, see the eyes; life span, look at the face’ medical life, develop habits, and Oh, and people Together, they always want to look at his face more glances.

　　

　　I said: “The elderly, all know that the eyes are the soul of the window, the first sentence I can understand, you can say ‘life span, look at the face’, I am a little puzzled.Human life, how to write in the face What about it? “

　　

　　If a person is always sad intestine knot, mood melancholy, over-thinking, suspicious of the old man said: \ look at the face, in fact, I look at his face two, one eyebrow, Indecisive, can not see the hope of life and the good life, then, between the eyebrow must form a deep ‘eight’ pattern.’8 ‘pattern, is caused by squeezing distortion, Yin is too strong, the mood Difficult to cool, it will stagnate in the organs; Jiuyin poisonous, viscera unbearable corrosion, must be made for the disease; sick in the body, is bound to further deteriorate the mood.People once caught in the heart and the destruction of each other malignant disease Circle among the health does not exist, where there will be longevity of the reason? Eyebrow between the ‘eight’ pattern, in fact, cut the knife of life, so my teacher had more than once said to me, ‘brow wrinkled, You must be careful yo. “

　　

　　The elderly, then let my heart anxious, usually not pay attention to the eyebrow between the ‘eight’ pattern, even with such a large knowledge. I could not help but curiosity driven, and then asked: “That mouth can see what?

　　

　　A person if the hearty and fun, often laughing more than, the teeth often in the sun, then, in order to make the mouth a little bit, The ‘brackets’ is radian, as if the relative out of the two and a half months, set in the cheek on top of the vivid expression of light from the formation of the reasons we can see, brackets who are really comfortable Because the ‘brackets’ on both sides of the mouth, but also a symbol of the balance of yin and yang, therefore, it is encompassed by the health of the body, the spirit of the sparse, the vitality of life, leisurely and carefree, The music of the state of mind and the endless hope of life in such a life and mental state of the people, you say he can not live longer?

　　

　　Really listen to Jun words, read the book a decade, my heart is not good fun ah. It turned out that our face, really reveal the mentality of our strengths and weaknesses, the vicissitudes of life and life status and other important information ah. Therefore, we usually still often look in the mirror to see if his face is increasing or deepening: the eyebrow between the “eight” pattern, or the mouth “brackets” it!