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DNH Consultants

3 weeks ago, i called up this Consultancy company.

At first, i wanted to know if they can help me write up the Business Plan for our partnership. Apparently, they can help with the WHOLE PROCESS of foreigners setting up their businesses in Singapore. Or another way to put it: All or nothing.

Cost:

$1,000 for doing and submitting the paperworks which includes doing up the Plan as well as filling in the form for the EntrePass which will enable the foreigner to work in Singapore.

$2,500 after approval from MOM and ACRA which includes registration of the business in itself. (Cost about $100 for a foreigner to register on his own with another singaporean partner)

The kind man warned me though that if the first application was rejected, chances of appeal and/or subsequent application would be very low. In other words, its CRUCIAL to get it right the first time round.

He was very initiative though. He asked me other questions to understand more about our situation. When he gotta know that Zubair was holding a Work Permit, he said the chance might be low if we go thru the Partnership route and explored other ways to do it.

First, he suggested that we apply for PRship straight away. Traditionally, we would wait about 6 months in the same employment and then had to get the employer to sponsor the application. However, this guy said that he can help us submit a convincing application at a fee of $1,000 (irregardless of outcome) without having to wait 6 months nor getting the employer to sponsor.

Hmmm… sounds interesting to our desperate minds back then.

Then he started to look at yet another angle. He found out that im pregnant due in Mar 09. So he said just wait till the baby’s here then we can submit the PR application. With 2 points of support ie Child and Spouse are Singaporeans, the chance of approval is higher.

Although in the end, the result is still the same (ie we hafta wait till the baby’s born), i feel very highly satisfied having had this 8min teleconversation with a Kadir from DNH Consultants.

1. I finally got Z off my back to do the Business Plan.

Mind you, its not cos i dont care… but i feel that its soooooo difficult for ME to write something convincing about a business i dont have a passion for.

2. I spoke to somebody VERY knowledgeable and got answers ON THE SPOT.

It was a sharp highly intelligent conversation hahaha (not from my part tho). Me asking Qns, he answered promptly. I like it. Makes me feel like i can depend on them… on somebody … anybody… in this screwed up world of complicated visas and such.

He IS right though. After getting the PRship, it would be a BREEZE to open the partnership THEN. No need to apply thru MOM for this entrepass shit, things like tt. We wont even need to hire professionals to do it, we can DIY.

The heartwarming part about this phone call is that, he very early pre-amped (is this the right word?) me that he was going to Haj for a month and will only be back in Jan 09. and also when he asked how i gotta know his company, i said from your prayer time table i pasted on my work desk, he said, “Oh that’s nice.” It made me feel like, “Ok.. I can certainly trust this guy.”

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Do I Have an Abnormal Gene?

I made a mini research about thalassaemia.

God my next appointment wont be till end of next week! A longggggggg way to go.

I’m thinking that i probably have Thalassaemia Minor / Trait just because i had anaemia before and my readings are still off from the blood test results. However, since Zubair is totally clean, the chances of our children having thalassaemia MINOR is 50% as shown in this diagram.

This is considered good news even if im found to have this trait because Pple with a MINOR one usually live life as per normal and i can still have absolutely healthy children without a tainted gene.

But it makes me wonder, does that mean one of my parents have a Thalassaemia Minor too?? How about my grandparents?

But the issue remains, what exactly is Thalassaemia? Answer taken from KKHospital website

What Is Thalassaemia?

Thalassaemia is an inherited blood disorder which is caused by an abnormal gene. A person with thalassaemia is unable to produce normal, functioning haemoglobin in the blood.

Haemoglobin carries oxygen from the lungs to all parts of the body. When the body is not able to produce normal, functioning haemoglobin, the affected person suffers from anaemia.

Thalassaemia is passed on from parent to child and can affect both males and females. In Singapore, about 3% of the population are carriers of the
thalassaemia gene.

Another from Geocities explains in more lament term:

To understand more about Thalassaemia you need to know a little about blood and
about anaemia.

Blood is made up of a lot of red cells in a clear, slightly
yellow liquid called plasma. Red blood cell are produced constantly. Blood cells
are replaced very quickly. That’s why people can often give blood frequently.

The red in a persons blood contains a substance called Haemoglobin. Haemoglobin
is very important because it carries oxygen from the lungs to where ever it is
needed in the body. It also contains a lot of iron, and when red blood cells are
broken down, most of the iron from the Haemoglobin is used again to make new
Haemoglobin. People lose some iron from their bodes when urine is passed, this
is compensated for when eating food which contains iron. The main reason why
people need iron in their food is to make Haemoglobin.

In the meantime, I shall wait patiently or impatiently for my next antenatal appointment.

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Maternity Packages: Raffles VS Polyclinic

I dont know whether im the dumb one or is it the CPF board’s website that is not clear enough or is the Raffles Medical staff still clinging to old information?

I have been dying to know how much can we claim for Pre-delivery check ups under MediSave. For overseas friends, MediSave is sort of like a govt medical scheme where u and ur employer contribute a certain % of ur monthly salary to a pension fund that is divided into 3 categories, one of them being this MediSave.

So Anyway, yesterday i visited Raffles Women Centre at Causeway Point to ask what is their package like. its in the range of between $2,000 – $2,600. At that time, i had no benchmark to compare it with. But these are why i like their services:

  1. SUPER NEAR and convenient
  2. professional
  3. one doctor at CW and 9 others at the hospital
  4. i’d give birth at Raffles Hospital!! SUPER SHIOK (Great/nice) ok
  5. the package includes supplements like Folic acids, Calcium and multi vitamins that i would certainly need
  6. Also included are urine tests and 3 ultrasounds.

A call to CPF hotline says that i can claim up to $900 is its a normal delivery ie not C-sect. This conclusion was only reached after 10min on the phone! GRRR Even then Viloh or whatever her name was couldn’t advise me what actually Medisave Maternity Package. I asked whether its the packages i can find at clinics or should i sign up with CPF themselves? Either im too thick to get her explaination right or she wasnt clear about it herself because she kept putting me on hold to check with her colleagues.

To verify the information as i perceived it, i called Raffles Womens Center. And SHE said that i could only claim up to $450. Now why is that so? ok The table from CPF website here did indicate its $450 but under the Package is $900. So which is which now???

Arghhh i just hope that they will announce a better, confusion-free package next month!

Now is the time to explore other alternatives. Sidek Clinic at Simei is offering a $450 package. Just nice to claim the medisave. But of course they:

1. are very far

2. dont include blood tests, medicine, CTG (whatever that is).

In any case, i wont be comfortable with a Muslim MALE Doctor as i imagine they have just the one.

A check with another friend said that Thomson Medical has a $350 package! Ok and im just researching now. Their hospital looks nice on the inside and they offer lotsa maternity lessons. It is also convenient to go from work or to get home from there. Hmmm should ask more in detail for this one lah.

But ultimately, yesterday, as planned, Zubair and i went to the polyclinic nearby to get myself checked.

To cut the story short, after 2hours + 1hr lunch of waiting, we are certified 6 weeks pregnant. i know i use the term WE. LOL. Of course the father should be as involved as the mother. I hafta add that me and Z had a lovely laughable time. We actually talked and teased each other. haha

The total bill for this first visit is just………….. $13.50!!!

Consultation $9 (that’s $1 more than usual)

Folic Acid 1 month’s supply @ $1.50!!!! (From Guardian Pharmacy like $10+)

Lab test @ $3

Zubair did the sweetest thing. He paid for the bill! He said, “I dont feel good lah if even for baby you hafta pay. I’m the father what.” I can tell you i was melting then. Funny how u can still melt even when u’ve been married for sometime.

So that was what made me to decide i shall continue going to the Polyclinic.

PROS:

1. CHEAP

2. Pay as u visit and not lump sum as other clinics would have u do.

CONS:

1. No Air Con, just Fan. But at least since the renovation, the Fan is SUPER POWERFUL. So kinda make it up for it, really

2. Doctor rushed thru ur appt.

Really. All she did was ordered a urine test to be done. Asked my first day of last period and calculated that its 6 weeks. Granted, she said that its still much too early to do any other check up or even to see my abdomen… but she could have given me some advices, no? I had to do the questionings which im glad to anyways. But what if i didnt know WHAT to ask since im so blur about this topic? It doesnt help that she seemed very young and inexperienced, although very nice and gentle.

Polyclinic is actually ideal for subsequent babies and you’re already an experienced mum. But its ok most of my ex colleague went to poly even for their first ones, so i can go thru it too.

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