Starting a new job as a young adult can feel pretty exciting. You get to work with different people and learn new things, and for the first time in your life, you may be earning more money than you ever have. 

It can be tempting to want to spend your pay cheque on clothes, holidays and social activities. And while it’s perfectly fine to treat yourself, it’s also important to be smart with your money so that you can set yourself up for a more financially stable tomorrow.  

Here, we share eight tips to grow your nest egg, plan for a wealthier future, and spend your money wisely. 

1. Plan your financial future

The financial habits you form in your 20s tend to stick with you as you get older, so ask yourself where you want to end up, 20 or 30 years from now with regard to your money situation, says Andrea Kennedy, a certified financial planner and finance behaviour specialist at Wiser Wealth. Do you want to feel financially secure and in control of your money, or do you want to be drowning in debt? Old habits die hard, so decide from now what habits you want to cultivate. 

Life is also unpredictable, so don’t assume that things will always be as they are now. Plan both for opportunity and the unexpected, she adds. 

Andrea’s next tip is to decide who influences your money decisions. Are you listening to people who have your best interests at heart and can guide you in the right direction, or to people who are going to send you down a rabbit hole of poor financial choices and self-defeat?  

Finally, she says that while growing your CPF funds is a good starting point for securing your financial future, it’s not enough. She advises you to decide how much you want to save for retirement and to start investing early to boost your CPF savings.

2. Forget budgeting, just be a smart saver

It’s good to save money but even better to invest those savings. If you still live at home, you are likely to have fewer financial responsibilities and can therefore afford to put more money aside every month. 

“If you earn, say, $5,000, and $1,000 of that goes to your CPF account, save and invest 20 to 30 per cent of the remaining amount from the get-go,” Andrea explains. 

Think of this as paying yourself first. If you have bigger financial goals, you can always save more. 

“That leaves you with some spending money and money to help your family, and forces you to decide how to best use the balance,” Andrea continues. 

“It’s a type of forced savings exercise that makes you confront your spending. This is far more effective than budgeting.”

3. Don’t wait to save and invest; start now

Saving in and of itself does not keep your money on pace with inflation, which is why it makes more sense to invest your money, says Andrea. 

Even if you earn an average income, if you start investing from a young age you’ll have more time to grow your wealth and be well on the way to becoming a high net-worth individual when you’re older. 

“Starting early also means that if you lose your job or your income takes a hit, you may be able to get through a year or two of unemployment without it affecting your retirement,” Andrea adds.  

Find out more about the fundamentals of investing – how, when and what to start with on your investment journey.

4. Create an emergency fund

You never know when you may need to come up with a substantial amount of money, whether for a health or family crisis or some other type of emergency. Rather than dip into your savings, it’s a good idea to set up a separate emergency fund that you can access if the need arises. 

Andrea suggests putting aside two months’ worth of expenses if you’re still living at home with your family. Depending on your circumstances you may want to save more. She recommends investing this money in term deposits. 

Here’s how to figure out how much you should have in your emergency fund.

5. Buy quality over quantity

Whether it’s clothing, accessories, gadgets or home appliances, high-quality products give you more bang for your buck because they last longer – this means you’re less likely to have to replace them every few months or years, thereby saving more money in the long run. Buying high-quality items needn’t always translate to buying designer brands or even spending a lot of money; it just means choosing products that are timeless and well-made and that you know you’ll use for years to come, rather than a cheaper version that will fall apart or go out of style after a short time. 

6. Take advantage of discounts and deals

As a SAFRA member, you’re entitled to a range of discounts and deals on everything from holidays, cruises and accommodation, to food and beverages, movie tickets, clothes and footwear, gifts, spa treatments, gym memberships, music lessons and more. Find out more about signing for SAFRA membership here, and for current promotions, check out safra.sg/promotions. 

7. Join loyalty/reward programmes

Loyalty or reward programmes help members save money by way of discounts, cash back, member or VIP perks, redeemable points, free shipping, free returns and so on. Take some time to research those programmes that you feel you’ll get the most out of – usually from brands and companies that you tend to spend the most money with or shop at the most often. Think airlines, department stores, specialty stores, supermarkets, pharmacies, bookstores, hotels and restaurants, for example.

Learn how to maximise your savings with these shopping hacks.

8. Timing matters

Planning a holiday? Take advantage of cheaper airline fares and hotel accommodation during the low travel season (typically outside of school and festive holidays). You can also get discounts to attractions and places of interest during off-peak hours. And shopping at local markets and street shops in the early mornings or late evenings can give you better deals, as vendors are more open to negotiation when there are fewer customers around. 

Check out our tips to save money on holiday planning.

Want more articles like this, and other lifestyle content right in your inbox? Download the new SAFRA mobile app and opt in for the eNSman Newsletter – you don’t need to be a SAFRA member to subscribe – and never miss another story!

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There’s no better time than World Sleep Day on 15 March to highlight the importance of a good night’s sleep and the issues that prevent us from getting the rest we need. 

Sleep is crucial to our physical, emotional and cognitive health. According to Dr Kenny Pang, an ENT specialist at the Asia Sleep Centre, poor or inadequate sleep can cause anxiety, fatigue, irritability, mood changes, and even depression. It may also affect our concentration, impact the way we deal with others, and, in the long run, increase our risk of certain conditions, such as obesity, diabetes and hypertension. 

Many people find it hard to get the recommended seven to eight hours of sleep every night. Stress, long working hours, a restless sleeping partner and a poor sleeping environment may all affect our ability to fall asleep quickly and stay asleep. Those who suffer from sleep apnoea also have difficulty enjoying a good night’s rest. 

But there are ways to reclaim your sleep, according to experts. Here are six:

1. Practise good sleep hygiene

Dr Pang offers these tips to ensure a deep and restful sleep: 

• Go to bed at the same time every night to help “set” your body clock.
• Exercise consistently, preferably in the morning. Evidence shows that regular exercise promotes restful sleep. Avoid exercising three to four hours before bedtime as this raises your heart rate and may interfere with your ability to fall asleep.
• Get exposure to outdoor or bright light during the day, to help regulate your sleep-wake cycle.
• Try to relax before bedtime with a warm shower, light massage or meditation.  
• Don’t engage in stimulating activities, such as getting into an argument with a loved one or playing a competitive game, just before bed. 
• Avoid consuming stimulating beverages like coffee (or anything containing caffeine like tea and energy drinks).
• Don’t go to bed too hungry or too full – the gastric discomfort may prevent you from falling asleep.

2. Avoid long naps

“Napping is a great way to catch up on lost sleep because it may help us function better and perform certain cognitive tasks faster,” says Dr Pang. 

“However, if you have any form of insomnia or sleeplessness, avoid napping during the day. If you enjoy the odd midday power nap, don’t nap for longer than an hour or after 3pm, as this may make it difficult for you to fall asleep that night.”

3. Maintain a healthy sleep environment

Dr Pang shares a few pointers for making your bedroom conducive to sleep: 

• The space should be cool and comfortable. A temperature of 20ºC to 23ºC is ideal. Too hot and you’ll perspire all night; too cold and you’ll be shivering.
• Keep your bedroom quiet. If your sleeping partner snores, suggest that he or she get help. Partners of snorers get two hours less sleep on average every night compared to partners of non-snorers. 
• Your room should be dark enough to facilitate sleep. Melatonin, the hormone that regulates our sleep-wake cycle, is produced by our body in response to darkness. Melatonin levels rise by about 9pm or 10pm and peak by 1am to 2am.
• Don’t read, work or watch TV in bed. If your brain associates your bedroom with these stimulating activities, you’ll find it harder to fall asleep. 

Read more on what’s keeping you awake and how to get better quality sleep.

4. Get help for sleep problems

“Obstructive sleep apnoea (OSA) is a common sleep disorder, with the condition affecting over one-third of the Singapore population,” says Dr Pang. 

“OSA occurs when the throat muscles relax and block the airway; a main symptom of the condition is snoring.”

OSA can affect one’s sleep quality, but worse, it can be dangerous as it may cause the sufferer to choke, hold their breath or wake up gasping for air during the night. 

“Long-term health consequences include high blood pressure, heart disease, stroke and sudden death during sleep,” Dr Pang adds.

If you suspect that you have OSA, see a sleep specialist for help and treatment.

Nocturnal bruxism, or teeth grinding, is another problem that can disrupt sleep. 

“It’s often attributed to factors like stress, anxiety, an abnormal bite, or missing and crooked teeth,” says Dr Jeffrey Sng, Specialist in Prosthodontics, Raffles Dental. 

“Research also suggests that lifestyle choices, including alcohol consumption, smoking, and the use of certain medications, may increase susceptibility to bruxism.”

Dr Sng says that bruxism can significantly disrupt sleep quality by causing discomfort, jaw pain and headaches. The noise generated by teeth grinding can also adversely affect the sleep of your partner, contributing to sleep fragmentation and decreased sleep quality for both individuals.

A range of treatments is available to help sufferers of bruxism, from custom-fitted mouthguards to stress management therapies, and even dental correction if necessary. 

SAFRA members enjoy member rates on dental services at Raffles Dental clinics. For more details, click here.

5. Try sleep remedies

“Oral supplementary melatonin may be used as a sleep enhancer to help people who experience sleeplessness,” says Dr Pang. 

“Melatonin is frequently used by people who cross time zones regularly and suffer from jetlag.”  

You may also wish to try Traditional Chinese Medicine (TCM) therapies to improve your sleep. 

According to TCM theory, insomnia may be attributed to various imbalances within the body’s energetic system, while snoring may be caused by several factors, such as excessive phlegm or dampness in the body, imbalances in the digestive system, stagnation of Liver Qi (vital energy), weak Qi, and incorrect sleeping position, says Tay Jia Yin, TCM Physician, Raffles Chinese Medicine. 

As for restless sleep, TCM attributes this problem to certain imbalances within the body, like Spleen Qi deficiency, Liver Qi stagnation, Heart Shen disturbance, and excessive phlegm dampness. 

There are many TCM herbal remedies that can be used to improve sleep quality, Jia Yin adds. These include: 

• Suan Zao Ren (Sour Jujube Seed): Known for its calming properties, used to nourish the heart and liver, calm the mind and alleviate insomnia

• Fu Shen (Poria Mushroom): Used to resolve heart and spleen imbalances, particularly when insomnia is accompanied by palpitations, anxiety or digestive disturbances

• He Huan Pi (Mimosa Tree Bark): Known for its ability to soothe the liver and calm the mind. Often used to treat insomnia and emotional agitation caused by Liver Qi stagnation

“These herbs are often combined into formulas tailored to individual patterns of disharmony,” Jia Yin points out. 

“Formulas may include additional herbs to address specific symptoms and imbalances contributing to poor sleep quality. It’s important to consult with a qualified TCM practitioner before using herbal remedies to ensure safety and efficacy, especially if you’re taking other medications or have underlying health conditions.”

Other TCM treatments, like acupuncture and cupping, may also be used in conjunction with other TCM modalities, she adds.

6. Check your bedding and invest in comfy sleepwear

Make sure that your mattress provides sufficient back support and that your pillows don’t strain your neck. Test out different materials, brands and designs to find out what works for you or ask a mattress and bedding specialist for advice. 

Your bedsheets and blankets should also be comfortable and keep you cool and cosy during the night. The same goes for sleepwear. Use sleep apparel made from light, breathable fabrics that don’t restrict movement. 

Moo Moo Kow & Friends offers a range of sleep apparel, like pyjamas, night shirts, rompers and shorts for the whole family. SAFRA members enjoy 20% off storewide. For more information and terms and conditions, go to safra.sg/promotions/moo-moo-kow-and-friends.

Note: Please consult your GP or physician on managing your sleep issues.

For the full list of healthcare benefits for SAFRA members, go to safra.sg/promotions/healthcare-products-and-services.

Save more with SAFRA! Enjoy special deals and discounts on dining, entertainment, travel, fitness and more from over 1,500 merchant outlets islandwide. Sign up or renew your SAFRA membership for one year at $43.60 inclusive of GST) and get two years FREE! Plus, get your spouse and children on board to enjoy the same privileges too at $5.45/year. Visit safra.sg/savemore for more details.

Want more articles like this, and other lifestyle content right in your inbox? Download the new SAFRA mobile app and opt in for the eNSman Newsletter – you don’t need to be a SAFRA member to subscribe – and never miss another story!

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This year marks 40 years of Total Defence for our country. Total Defence involves every Singaporean playing a part, individually and collectively, to build a strong, secure and cohesive nation. After all, when we are strong, we are able to deal with any crisis.

Economic Defence is one of the six pillars of Total Defence. Economic Defence is about strengthening the competitiveness and attractiveness of Singapore’s economy so that we are special and relevant to the world. When we’re economically strong and resilient, we can carry on and recover quickly should we be confronted by any challenge or crisis in the future, such as a global downturn or economic strangulation that could shake investor confidence in Singapore. 

Just as important as building Singapore’s economic power is protecting our own family’s assets and wealth. We all want the best for our family, and that includes after we have passed on – which is why it’s important to plug any gaps in our wealth protection strategies. Even if you are not a high-net worth individual and don’t have masses of family wealth, you’re still entitled to peace of mind to know that your family will be protected in case something unexpected happens and you’re no longer around to take care of them. 

There are many ways to guard your wealth and ensure that whatever you leave behind goes to the people you care about the most, but how do the various legacy planning instruments differ, how do you know which is best for your family, and what should you consider when deciding on the distribution of your cash and assets? 

Shawn Yap, Financial Services Associate Director at SingCapital, answers these and other questions.

Q: What’s the difference between a will and a trust?

Shawn: The major difference between the two is that a will cannot hold and own any assets. A will is typically used to distribute one’s estate based on the instructions written in the will. On the other hand, a trust can hold and manage assets, and make pay-outs to the beneficiaries. 

How do you know which one is most suitable for your family? It really depends on the size of your estate value and your family’s needs. 

Q: Is it true that you need to be a high net-worth individual or have immense family wealth to create a will and/or a trust?

Shawn: Regardless of wealth, it’s important to write a will. You shouldn’t leave it to the default distribution because the decision may not be what you like. 

Let’s look at one example of a couple who has not written a will: John and Mary are happily married with no children. They decided to own everything jointly, including a fully paid condo. 

But a few years later, both John and Mary pass away at the same time in a road accident. Who do you think will get their condo and other assets? 

Mary is older than John by a few weeks, so, by law, she is deemed to have passed away first. All her assets will then be passed to John, but John is survived by his parents who will inherit all the assets. Is this a fair outcome? 

Many people belong to the “sandwich” generation – these are middle-aged adults who care for both their ageing parents and their own children. By law, if someone in this sandwich generation passes away, 50% of their assets would go to their spouse and 50% to their children equally. Their parents get nothing. Is this acceptable? 

By writing a will, you can decide who gets what after you pass away rather than have the law decide for you. 

Q: Why is legacy planning important for families? And what might happen if the family breadwinner passes away without any wealth protection?

Shawn: The purpose of legacy planning is to ensure that the right amount of money goes to the right people, in the right way and at the right time. 

For instance, if you’re a homeowner with an outstanding mortgage, you should ask yourself if the joint owner is able and eligible to take over the entire outstanding loan if you were to pass away. If not, does the joint owner have sufficient funds to pay off the loan? 

Even if you have mortgage insurance, will it pay out in time before the bank seizes the home? 

Not sure where to begin with legacy planning? Read more about it here.

Q: What should one consider when creating their will? And can someone draw up their own will or must they hire a lawyer to do it for them?

Shawn: As a licensed financial practitioner and lecturer teaching legacy planning, I have never attempted to write my own will.

Every family is special and there is no standard template when it comes to creating a will. It can be challenging for someone to do their own legacy planning, especially if their financial and family circumstances are quite complex. My advice is to get help from a professional who is familiar with both the financial and legal frameworks of legacy planning.

Q: What should you consider if you decide to create a family trust?

Shawn: By default, our children will get their hands on their inheritance when they turn 21 years old. When creating a family trust, you should ask yourself if your children are capable enough to handle large sums of money at that age, whether the money will be used wisely, and so on. If your elderly parents are beneficiaries, you should also ask if they’re capable of handling large sums of money. Will they be scammed? What if they pass on before the full sum is used up? Would you want your siblings to inherit the remaining sums by default?

Before you set up a trust, find out more on how to achieve financial fitness in your life.

Q: Besides wills and trusts, how else can we protect our family wealth?

Shawn: A will is but one instrument used in legacy planning. I advise you to plan for your desired outcome by taking a holistic view of the wealth distribution process, because when death occurs, your wealth can and will be distributed through different platforms. 

Let’s look at monies in your Central Provident Fund (CPF), for instance. These monies cannot be distributed via a will; it can only be done through a CPF nomination. 

Another way to protect your wealth is through Lasting Power of Attorney (LPA). This is useful in case you become mentally incapacitated, such as if you were to meet with an accident, fall into a coma, become disabled or develop dementia, for example.  

Q: Can life insurance be used as a form of wealth protection?

Shawn: Life insurance can be an effective way to:

• Clear debts, especially in the case of a home mortgage.

• Replace the pay cheque of the income earner: This will allow your family members to maintain the same lifestyle without any compromise, as if you were still alive. It’ll allow your children to still afford to go to their preferred university. And it will allow your spouse to still be a stay-at-home parent and/or to retire without any financial worries.

Life insurance is the ultimate promise of love as it provides an income for your family to continue their lives with dignity even when you are not around.

Want more articles like this, and other lifestyle content right in your inbox? Download the new SAFRA mobile app and opt in for the eNSman Newsletter – you don’t need to be a SAFRA member to subscribe – and never miss another story!

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A new year is something to look forward to because it holds so much hope and promise. It is also a good time to reflect on the year that has passed – to reminisce about all the things you were grateful for and go over what you could have done better, as well as decide on new goals you’d like to set for yourself. 

This time of the year is also perfect for making resolutions with your family. Perhaps there are a few things you’d like to accomplish together, such as getting fit or being more physically active, saving money for something specific (like a family holiday) or spending quality time with one another. By setting collective goals and working towards them together, you’ll have a better chance of seeing them through. 

We asked June Wee-Grant, a coach and the founder of Modern Life & Leadership Coaching, for her tips to making resolutions with your family that are realistic enough to keep. 

Q: Making New Year’s resolutions is something many of us do, but why is it important to first take stock of the year that’s passed?

June: Reflecting on the past year allows us to, first, review what we learnt so that we know what to continue doing, stop doing, and start doing, in order to keep moving forward towards our goals. 

Second, it allows us to reflect on how we’ve grown in the past year, celebrate our accomplishments, forgive our shortcomings, and make peace as we close the chapter before starting a new one. 

Assessing the previous year helps you to understand if what you want in the next 12 months is the same or different from the past 12 months. You have evolved, and perhaps your goals have, too.

Q: Can you share some tips to make resolutions easier to achieve and more realistic?

June: How about doing something else other than resolutions? I recommend setting just one intention, using one word or phrase. For example, one of my previous years’ intentions was “abundance”. It guided everything I did, since it was my intention to have a mindset of abundance and to live a year of abundance. In turn, I ended up making decisions based on that intention. I set that word as the wallpaper of my phone screen, to remind me of my intention for the year. 

One word or phrase is easier to accomplish than a list of resolutions that usually involve tasks that are hard to accomplish over the long term. 

Intentions are a little easier to keep than resolutions because of their broad nature. Plus, they are equally, if not more, powerful, because they’re single-minded and relatively easy to focus on if the intention is one that you feel strongly about and believe will bring a lot of value to you and your family. 

To make intentions or resolutions easier to keep, more achievable and realistic, do the following:

– Break each one down into small steps that allow you to work your way up. If it’s too big a goal, it could feel daunting, and you may feel like giving up before long because of that.

– Be realistic when setting it; be honest with yourself and set yourself up for success.

– Remember that achievability is tied to how badly you want the results. Any goal that you truly desire is achievable – as the saying goes, it’s mind over matter. But, if you do not fully believe in it or want it, you’ll never achieve it no matter how “easy” or “realistic” it is. 

Q: What are some good resolutions one can make to improve their life in 2024?

June: I suggest intentions such as: Abundance, Health, Ease, and Peace – for self and others, and in all aspects of life: mentally, emotionally, physically, spiritually, intellectually. 

Q: Can you suggest some resolutions or intentions that people can make with their family?

June: I suggest setting an Intention first, and then breaking it down into different areas of life, followed by a list of actionable steps. 

For example, if you set a collective “Health” intention, you can break it down into components such as: 

– Personal health: Make daily exercise a part of our lifestyle, take vitamins, etc.

– Professional health: Stop checking emails after 6pm and on weekends, protect boundaries, hire a coach to work on professional goals, etc.

– Mental and emotional health: Find ways to de-stress, share our troubles with one another, avoid overthinking, etc. 

– Spiritual health: Meditate, practise mindfulness, express gratitude, etc.

– Physical health: Get regular health screenings, get sufficient quality sleep, eat more wholesome foods, etc.

– Intellectual health: Read more, take up a course or attend a workshop we can all participate in, discuss important issues with one another, etc.

Using the above examples, you have one word to guide you and your family and different areas of life where it can be applied, plus a whole list of actions you can take so it gives you lots of options to keep trying. It feels more limitless than a few resolutions that “lock” you in. Variety is the spice of life, and it keeps things fresh and fun. 

Q: How can we tell we’re on track to reach our goal or if we need to tweak some parts of the resolution?

June: Measure your progress by rating your level of satisfaction at the beginning of the year with regard to your intuition, and check in with yourself regularly, every month or quarter. If your level of satisfaction increases, reflect on what happened and why. Similarly, if it decreases, reflect and learn as well. Then iterate as necessary, and move into the next month or quarter. Repeat until the end of the year. 

Q: How do we deal with setbacks along the way?

June: Practise empathy, kindness and compassion towards yourself and your situation. Learn from what happened and focus on doing better as you move forward. Refrain from beating yourself up. It does not change the result. Instead, focus your energy on creating new momentum and continuing with what you set out to do. 

Accept that there are things beyond your control. Reframe the situation. If, for example, you set a savings goal but broke it because you had to dip into your savings when you had a financial emergency, express gratitude that you had savings to begin with to handle the emergency. And then get back on the horse and save more money, or why not create more money instead of only saving it? Try to look at things from as many different perspectives as possible. Open your mind, and be okay with setbacks. They are a natural part of life, and may be a redirection that could take you some place better. Stay positive. 

Want more articles like this, and other lifestyle content right in your inbox? Download the new SAFRA mobile app and opt in for the eNSman Newsletter – you don’t need to be a SAFRA member to subscribe – and never miss another story!

Main photo: Pixabay from Pexels

The post How To Make Those Family New Year’s Resolutions Stick appeared first on eNSMAN.

After applying for a job at several companies, you’ve finally been contacted for an interview. Meeting a potential employer for the first time can be nerve-wracking, even if you’ve been in the workforce for a while. You only have one chance to make a positive impression and distinguish yourself from the other applicants. How should you prepare for the occasion? What should you wear? How do you respond to tricky questions? Is it okay to talk about salary and bonuses? 

Ben So, a career coach and the founder of Emunah Coaching and Training, offers his best advice for anyone who might be getting ready for that all-important first meeting. 

Q: Can you share some pointers for preparing for a job interview?

Ben: Remember the “A-B-C-D” method when getting ready for your job interview: 

A: Analyse the company to get an understanding of their work culture, history, products or services, recent events, and your job scopes. 

B: Build your knowledge. If there are special technical certifications needed, such as the Google Search Ads certificate for the role of an SEM Specialist, for example, make sure you’re up to date with the relevant qualifications and can express your knowledge when asked. 

C: Craft your responses to common interview questions, such as, “Tell me more about yourself” or “What was your role in your previous job?”

D: Dress appropriately. Think about what you’ll wear beforehand and make sure that your clothes are clean, well pressed and professional-looking, so that you show up at your interview looking sharp and polished. Pay attention to your shoes and accessories, too. 

Q: What do interviewers first notice about a candidate and how can a candidate make a good first impression?

Ben: Your resume is the first thing interviewers notice, so make sure that yours is to-the-point and sufficiently detailed, so as to attract the interest of your potential employer. 

Answer all your phone calls politely because you never know if it’s the interviewer on the other end, calling to invite you to meet with them in person. The day before your first meeting, prepare your outfit and spend some time on grooming (for instance, get a haircut and trim your nails if you need to). How you present yourself in person is one of the first things the interviewer will notice. 

When you arrive at the interview, smile confidently, try to appear relaxed, and give your interviewer a firm handshake. Remember to show up on time, too, even if the interview is virtual.  

If you’ve been invited to a virtual interview, check that your camera and microphone are working and that your Internet connection is strong to avoid any tech glitches. 

Q: With so many workplaces following an informal dress code these days, what should a candidate wear to his job interview?

Ben: Although many people dress casually to go to work, you shouldn’t take the chance and show up to your interview in casual clothes yourself. Generally, it’s better to be a little overdressed than underdressed for such an important meeting. So, wear proper business attire. If you’re called back for a second interview, you might be able to get away with dressing a little less formally, or, just ask the interviewer what the dress code is. 

Find out what’s your body type and how to dress to suit it.

Q: When asked what his strengths and weaknesses are, what response should a candidate give, and how can he not make his weaknesses sound like a liability?

Ben: This is a common interview question. When it comes to your strengths, reflect on the skills, traits, qualifications and experience you have that you know will add value to your new role in the company. For example, if you’re a good communicator and you’re applying for a sales position in which you’ll need to present the company’s products, talk about your sales experience and all the times you received positive feedback from clients. 

When talking about your weaknesses, avoid cliches such as “I tend to push myself and work extra hours when I’m engrossed in a project”. It’s best to just be honest about the things that you feel hold you back, but remember to also mention how you’re trying to improve. This shows self-awareness and a willingness to do better.  

Q: What’s the best way to discuss salary and bonuses without coming across as greedy or rude?

Ben: Before the interview, research salary ranges for the position you’re keen on (mycareersfuture.gov.sg is a good resource for this sort of information).

If possible, let the interviewer raise the subject of salary during the interview. If they don’t, you can politely ask about the full salary package and how work performance at the company is evaluated.   

Q: When asked if he has any questions for the interviewer, what questions should a candidate bring up?

Ben: It’s acceptable to ask about the expected timeline for the hiring process and what a typical day is like working in the company. You can also ask if there are opportunities for professional development. Avoid asking questions that are obvious or that you can easily search on the company’s website. 

Q: How can the candidate talk about himself and his achievements and experience without seeming like he’s arrogant or bragging?

Ben: The tone of your voice is important and will say it all. Just as important are your words, so choose words that convey humility. It’s best to state the facts or simply to give a summary of what you’ve done and achieved. If you contributed to a group project or company event, give credit to your co-workers, too. Ultimately, this is your chance to demonstrate your ability and willingness to contribute to the company. 

Q: If the candidate was fired from his previous job, should he be honest about why he was let go?

Ben: Yes, it’s a good idea to just be honest, because everybody values integrity. Give a brief explanation about what happened, without bad-mouthing or blaming your previous employer and without sharing any sensitive or confidential information. Then, share what you’ve learnt from the experience and, if relevant, briefly state how you intend to do better next time. 

Here’s how to brush up on your soft skills like communication and emotional intelligence. 

What to ask during a job interview

Asking these questions tells the interviewer that you’re serious about the role and working for their organisation. It also shows that you did your homework beforehand. 

“What are your expectations for me if I get the job?”

“What does a typical day look like for the team?”

“Can you tell me about the people I’ll be working with?”

“What opportunities are there for training and progression?”

“What’s the performance review process like in this company?”

“Can you describe the working culture here?”

“How would you describe the company’s values?”

“What are the company’s plans for growth and development?”

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November is when the world celebrates Movember – a movement founded in 2003 to shed light on, and raise funds for, the top health issues that affect men, namely, prostate cancer, testicular cancer, mental health and suicide.

According to Dr Lee Fang Jann, Consultant Urologist, URODOC, prostate cancer is the most common cancer in men in Singapore, with 6,912 cases diagnosed between 2017 and 2021 and the disease accounting for 16.8% of all new cancers diagnosed (Singapore Cancer Registry Report 2021).

“Testicular cancer accounts for approximately 1% of all new cancer cases in men. It’s the most common solid cancer in men aged 20 to 35 years. For unknown reasons, the incidence of this cancer – principally, testicular seminomas – increased during the last century,” Dr Lee adds. 

Many men also experience mental health conditions such as depression, says Michelle Png, Assistant Senior Counsellor, Care Corner Singapore Ltd. 

While it’s unclear exactly how many men suffer from depression, a 2018 national survey estimated that one in seven people in Singapore has experienced a mental health condition in their lifetime, Michelle points out. 

In support of Movember, here’s what you should know about the most common men’s health issues, from risk factors to prevention. 

Q: What are some causes of prostate and testicular cancers?

Dr Lee: These often result from a combination of genetic and lifestyle factors. While genetic predisposition can play a role, lifestyle factors such as diet, smoking, exposure to carcinogens, and overall health status are significant contributors. Regular screening and early detection can also influence outcomes.  

Q: How can these cancers affect a man’s fertility and sexual performance?

Dr Lee: Some prostate cancer treatment options, such as surgery and radiation therapy, may impact erectile function and ejaculatory function. Hormone therapy, commonly used for prostate cancer, can also affect sexual desire and function.  

In testicular cancer treatment, the surgical removal of one testicle typically does not affect fertility or hormone production. In advanced testicular cancer treatment using chemotherapy or radiation therapy, sperm production and fertility can be affected. Additionally, the diagnosis and treatment of testicular cancer can be emotionally challenging, which may indirectly affect sexual desire. 

Q: What are some symptoms to look out for in these cancers?

Dr Lee: Prostate cancer symptoms may include:

• Urinary changes, such as frequent urination, difficulty starting or stopping urination, weak urine flow, or the need to urinate at night
• Blood in the urine or semen
• Pain or discomfort in the pelvis or lower back

These symptoms can be similar to benign conditions like benign prostatic hyperplasia (BPH) or prostatitis. Early-stage prostate cancer often doesn’t cause noticeable symptoms, which is why regular screenings are vital.

Symptoms of testicular cancer may include:

• A painless lump or swelling in the testicle
• A feeling of heaviness or aching in the lower abdomen or scrotum
• Enlargement or change in the consistency of a testicle
• Discomfort or pain in the testicle or scrotum
• Back pain, shortness of breath, or chest pain (in cases of advanced cancer)

These symptoms are not specific to testicular cancer and can be caused by various conditions. Any concerning symptoms should prompt a visit to a healthcare provider for evaluation.

Q: How are these cancers treated?

Dr Lee: The treatment of prostate cancer depends on the stage and aggressiveness of the cancer. Treatment options include surgery, radiation therapy, chemotherapy, hormone therapy, and targeted therapy. The survival rate is generally high, especially when diagnosed and treated early. Many men can live with prostate cancer for an extended period, and some cases are slow-growing, allowing for active surveillance rather than immediate treatment.

Testicular cancer is highly treatable, especially when detected at an early stage. Treatment typically involves surgical removal of the affected testicle, with the possibility of additional treatments like chemotherapy or radiation therapy depending on the stage and type of cancer. The survival rate is generally high, even for more advanced cases, and early diagnosis significantly improves outcomes.

Look out for these other health issues that concern men of various ages, from your 20s to your 60s.

Q: How can men minimise their risk of developing prostate and testicular cancers?

Dr Lee: Here are some tips:

• Maintain a healthy lifestyle: Follow a balanced diet, exercise regularly, and avoid smoking and excessive alcohol consumption.
• Get regular check-ups: Regular medical check-ups and screening tests, such as PSA tests for prostate cancer, can aid in early detection and diagnosis.
• Know your family history: If you have a family history of these cancers, you may be at a higher risk and should discuss your risk with your doctor.
• Watch out for occupational and environmental exposures: Be cautious if you work in industries with potential carcinogenic exposures and take appropriate safety precautions.
• Understand your risk factors: Some conditions and factors, such as obesity, may increase the risk of these cancers. Being aware of your risk can help you make informed decisions about lifestyle and healthcare.

SAFRA members receive special discounts on consultations at URODOC, among a range of other healthcare providers. For the full list of healthcare benefits, go to safra.sg/promotions/healthcare-products-and-services. 

Q: What are common triggers of depression in men?

Michelle: Men may be more susceptible to societal pressures – they may feel that they have to live up to this idealised notion of masculinity, of having to be the financial provider, physically strong, and unbreakable in the face of challenges. As children, their parents may also have told them that “big boys don’t cry” or “suck it up”. 

Such conditioning may result in a toxic cycle of self-blame whenever a man feels overwhelmed and can’t manage difficult emotions. Compared to women, men may be more hesitant to ask for help, for fear of being judged. They may also not have the vocabulary to express their vulnerability. Repressing such emotions may lead to depression taking root. Because of the stigma and shame surrounding depression, many men therefore suffer in silence, or they may turn to substance abuse or alcohol to deal with their emotions. However, these only worsen depression symptoms.   

Men who engage in work that exposes them to trauma, such as soldiers in combat, firefighters or policemen, are also vulnerable to Post Traumatic Stress Disorders (PTSD) – depression is a common problem that can develop after trauma.

We also see men in their late 40s to late 50s who suffer from mood swings because of andropause (a combination of high-stress cortisol levels and low testosterone levels). Irritable Male Syndrome (IMS) is the term used to describe mood swings in men. Some men respond by acting out while others suppress their feelings and become depressed.

Q: What are the symptoms of depression?

Michelle: Depression feels like a persistent feeling of drudgery and low mood. People suffering from depression often complain that their reactions are slow and lethargic. There is an overarching sense of hopelessness, emptiness and sadness. They no longer enjoy their hobbies or take pleasure in food or sex. They may experience changes in weight and appetite, sleep disturbances and/or constant fatigue. 

Depression is somewhat oriented towards the past. Some people fixate on past regrets and “what ifs”, wallowing in self-pity and self-loathing. 

Depressive disorders include major depressive disorder (MDD), persistent depressive disorder (dysthymia), bipolar disorder (when depression alternates with manic or hypomanic episodes), and seasonal affective disorder (SAD).

Q: How can men minimise their risk of depression?

Michelle: As physical and mental health are connected, you should take care of both. This means maintaining a healthy lifestyle – sleeping seven to nine hours a night, exercising, and eating nutritious whole foods. Quit unhealthy habits like smoking and binge drinking. 

It’s also important to minimise stressors. For example, if certain aspects of your job or relationship trigger distress, make changes to prioritise your wellbeing. 

Invest in friendships, and “pay it forward” by intentionally participating in activities that improve the lives of others, such as volunteering. 

To be more in tune with your moods and feelings, consider practising mindfulness and relaxation techniques and keeping a gratitude journal.

Q: How does one deal with suicidal thoughts?

Michelle: In Singapore, we have the 24-hour SOS helpline manned by trained mental health professionals. If suicidal thoughts invade your mind and you find yourself actively thinking about self-harm, dial a helpline and allow someone to attend to you. 

You should see a psychiatrist in our restructured hospitals or private clinics to get an assessment and evaluate if medication is needed to help manage the acute condition. 

Professional counselling support is also readily available. This link provides a one-stop consolidation of government-funded initiatives and services: www.aic.sg/resources

Care Corner Singapore provides the following resources:

• For males aged 13-25: carey.carecorner.org.sg – Free online mental health buddy, which allows you to schedule a mental health check-in with trained counsellors. 
• For those above 25 years, reach out to Care Corner Counselling Centre at 63531180. Our team of counsellors help clients towards healing, recovery, better mental health and functioning in their lives.

Read more about the most common mental health issues that affect men and get tips for protecting your emotional wellbeing.

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