Events
CFS Donor Learning Trip Series: Empowering ageing well at Yong-en Care Centre
wavy line banner

Events

Events

CFS Donor Learning Trip Series: Empowering ageing well at Yong-en Care Centre

John Doe
John Doe
Charitable Business professionals standing before a screen.

This initiative is part of CFS’s Donor Learning Trips, a series of engagement opportunities that enable donors to personally connect with charities and gain insights into how they support communities in need.

Several seniors were playing a game. Seated in pairs, they were passing a large ball around. The challenge? Don’t drop the ball! There was laughter and cheers as the ball wobbled from one pair to another. This is one of many therapeutic activities at Dementia Day Care, a keystone service by registered charity 
Yong-en Care Centre.

Yong-en Care Centre’s Dementia Day Care is a lifeline for 31 seniors – all with moderate to advanced dementia – and their overwhelmed caregivers. The programme is funded by the generous donors of CFS.

In May 2023, 11 donors from 7 donor-advised funds (DAFs) took the time to join our first Donor Learning Trip this year, to Yong-en Care Centre, to meet with the charity and discover how it cares for the vulnerable elderly. Ageing Well is one of CFS’s five focal areas for grantmaking, where we curate programmes that enable our senior generation to remain active and purposeful for a better quality of life in their golden years.

Yong-en Care Centre began 27 years ago serving the destitute elderly in Chinatown. It has since expanded its outreach to the Chin Swee, Outram and Bukit Merah areas. Its services have also gone beyond food security and befriending to a full suite of support for low-income families, single mothers, home nursing care, dementia, and active ageing. It is an under-the-radar charity that is quietly and steadily making an outsized impact.

During the visit, donors learnt how music therapy is being embedded into dementia care, as well as the support and workshops offered to caregivers, many of whom are also old. The Dementia Day Care runs daily activities that engage the beneficiaries’ cognitive functions and improve their motor skills, including the pass-the-ball game witnessed by our donors. Such multi-sensory activities are specially curated to help persons with dementia manage their condition.

Donors also received updates on Home Care, another programme that receives grants from CFS donors. Yong-en Care Centre is one of the 24 home care service providers in Singapore and its nurses visit homebound seniors to provide personalised medical care.

Yong-en Care Centre is rapidly expanding its dementia care services and introducing more active ageing programmes. It is also collaborating with other community care providers to set up an integrated services hub for seniors and their caregivers at Chinatown Point. To accomplish these initiatives, the nonprofit relies on government grants and public donations. It does not use commercial fundraisers.

Through CFS, Yong-en Care Centre has managed to grow its donor base. “CFS connects us with donors who are truly aligned with our mission,” says Ms. Griselda Ong, director of Elderly Services at Yong-en Care Centre. In 2022, almost a third of funding (32.8%) for home care and 27.5% of funding for dementia day care came from CFS donors . “This support is significant as these critical services help the vulnerable age in place,” says Griselda.

“I have always been interested in supporting elder care,” says June Chia, a donor who set up a donor-advised fund (DAF) with CFS. “But there are many charities doing such work that I do not know of.” Through CFS, she learnt about Yong-en Care Centre.

June is inspired by Yong-en Care Centre’s impact on marginalised communities and its commitment to continuous progress. “I feel that my money is being well-utilised,” she shares. June appreciates CFS’s meticulous vetting of charities and our dedication to groundwork. Giving through a donor-advised fund (DAF) is also hassle-free, as CFS handles all the administrative work and provides regular updates on her fund.

I have always been interested in supporting elder care. But there are many charities doing such work that I do not know of. Through CFS, I learnt about Yong-en Care Centre and having seen first-hand what they are doing, I feel that my money is being well-utilised.

For Yong-en Care Centre, meeting donors face-to-face was a valuable opportunity to deepen their understanding of its unique care model and to engage with them on any questions they may have, says Griselda. In addition, it is also an opportunity to thank CFS donors who have been supporting the charity and build a lasting relationship with them.

CFS assists charities and their underprivileged communities by connecting them with donors who are seeking to support causes and crucial needs that resonate with them deeply.

To find out more about the causes we support, please visit www.cf.org.sg/what-we-support/.

The competition was organised by City Harvest Community Services Association and received support from FUN! Fund, a Community Impact Fund jointly established by the Community Foundation of Singapore and the Agency for Integrated Care, with the aim of addressing social isolation among the elderly.

Senior Minister of State, Ministry of Communications and Information & Ministry of National Development Mr Tan Kiat How attended the event. He encouraged the elderly to stay physically and mentally well, as well as urging them to participate in community activities and enjoy their golden years together.

Learn more about FUN! Fund at https://www.cf.org.sg/fun-fund/.

 

The programme provides the children with a non-threatening platform to connect with peers and have positive conversations. In addition, it exposes them to different people who can assist to broaden their perspectives.

L.S., a volunteer with the Reading Odyssey programme @ Spooner Road

中心“常胜将军”胡锦盛:比赛限时反应要快

现年92岁的胡锦盛是最年长的参赛者。自2017年退休后,他几乎每天都到活跃乐龄中心报到,从此爱上了玩拉密,每次可玩上三个小时,在中心是“常胜将军”。

admin bluecube
admin bluecube

Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry's standard dummy text ever since the 1500s, when an unknown printer took a galley of type and scrambled it to make a type specimen book.

News

“最后一桶金”规划新现象 别让财富添乱使尽不留遗产

John Doe
John Doe
a person in a wheelchair throwing coins into a bag of money

这些年来越来越多人把部分遗产捐给慈善,甚至出现鼓吹“现在就花掉孩子遗产”的SKIN(Spend Your Kids’ Inheritance Now的缩略语)“使尽”现象。

世界首富之一比尔·盖茨多次承诺,把1130亿美元(约1595亿新元)财产几乎全捐给慈善,三个孩子各获1000万美元;他坚信留大笔钱给孩子绝对不是好事。

沃伦·巴菲特则宣布,一分也不留给三个孩子,会捐出所有给慈善。

本期《实况报道》请擅长信托和遗产事务的律师、法学教授和老年学学者谈SKIN“使尽”现象,并访问退休人士,了解不准备留太多给孩子的原因。

“不要留太多给孩子”的趋势渐长,有越来越多找律师办理遗嘱或信托事务的人,把部分遗产捐给慈善,或自设信托,以便更好地管理所支持的慈善事业。

两名擅长处理信托和遗产事务的资深律师告诉《联合早报》,积极行善的客户越来越多,一些甚至已定期捐钱给慈善机构,而不是等到过世后才这么做。

王律师事务所(WongPartnership LLP)专业人士及私人客户争议业务组负责人沈木英律师说,不论是用在自己身上、当礼物送给孩子或至爱,或是捐给慈善机构,财富在一个人还活着时是最有价值的。

“有的施予者享受从金钱得到的快乐,比如孩子或慈善机构向他表达感激之情,或通过捐钱做了好事而乐在其中。

“从这个角度,我可以明白为何一些人想在有生之年花光一切。”

她就见过一分钱也不给孩子的父母,有的因为跟孩子的关系恶劣,有的则因孩子挥金如土。相反的,也有继承遗产者积极行善,打算捐出大部分遗产。

福鼎律师事务所(Fortis Law Corporation)创办人陈子佳律师说,把遗产留给孩子是根深蒂固的传统价值观,但“花光”个人财产的做法也有益处。

他指出,父母留遗产给孩子理由很多,比如,在孩子成长期间常“缺席”,所以用遗赠示爱或表达愧疚。

有的因孩子是特需者,就用遗产设立信托,让孩子在他们离世后生活有照应。

“不论什么原因,孩子可能真的需要帮助,而留遗产给孩子的做法本身就能教导孩子施予的价值。”

沈木英说,虽然有客户认为孩子有一半的可能性会乱花遗产,但也有客户认为给孩子一笔钱,将有助于孩子取得成功。

 

设立慈善基金更好掌控财富

她指出,多数客户“守住”财富,是为孩子所需。一旦满足了孩子的需求,他们便会开始捐出行善。

不过,她留意到捐献者更有主动权,“与其直接捐钱给慈善机构,更多客户设立自己的慈善基金,以便更好掌控”。

她的一个客户选择帮某慈善机构设立医疗设施,再给予资助,而不是直接捐钱。

一些则每年把资产或生意赚取的部分收入捐给慈善,另一些把部分资产纳入慈善信托或基金,为慈善机构创造收入。

“还有一些给每个孩子一份财产,也给一份做慈善。也有客户设条件,要孩子先捐出所得遗产的10%,才能继承剩余的90%。”

沈木英指出,微软创办人比尔·盖茨累积的财富是子孙享用不尽的,所以设立慈善基金。但一般打工族以养家育儿为己任,慈善可能不是第一选项。

“事实是,越没钱的人,越要孩子过得比他们好,所以想方设法留下资产,但我认为帮孩子,不该凌驾于自己的需求和生活享受之上。”

陈子佳也认为,必须在SKIN和留遗产之间,取得平衡。

“我已立好遗嘱,也制定了持久授权书(LPA)。我确保自己有足够资源办好三件事:应付医药和退休开销,以及清还所有贷款和债务。”

 

孩子主动要求不要遗产

这些年来,陈子佳看到不少客户定期捐钱给慈善机构,有的甚至把遗产全捐给慈善。有些是因为他们的孩子能自给自足、明理和善良,叫父母留给较不幸者。

“我看到许多孩子,坚持父母不要列他们为受益人,把遗产转给有需要者或其他家庭成员,我就是其中一个。”

陈子佳坦言,他叫母亲把遗产留给兄弟姐妹、侄甥和慈善,“我希望以后我的孩子,也叫我不要列他们为遗产受益人”。

他感激父亲给他最好的教育:“做人要舍得。大舍大得,小舍小得,不舍不得。”

 

个案① :防子女争财产 卖掉大洋房

为了避免留下房子惹“后患”,七旬退休专业人士数年前毅然卖掉住了几十年的大洋房,搬到市区公寓,口袋满满地与老伴安享晚年。

问有三个子女的林大悟(化名),这样做难道不心痛不可惜?难道没想过把洋房留给其中一个孩子?

他语重心长说道,屋子太旧了,修理或重建都得花钱,租出去的话,租户不一定会爱惜房子,有问题也会来烦你。

“留的话,留给哪一个孩子?大家一定有不同意见。继承的人也未必喜欢屋子和地点,还是卖了干脆。我虽然知道房价以后会涨,但留下也有后患,除非你只有一个孩子。”

林大悟说,把财富传给下一代的传统观念是时候该调整了,但也不是改变一切,一分钱都不给儿孙。

他认为,给孩子的最佳礼物就是按他们的能力,让他们接受最好的教育,在有生之年尽可能帮助孩子,使他们可以自立、自组家庭,过安定的日子。

“给他们过多遗产,他们不会知道那些是你一辈子省吃俭用积攒而来的。钱到了他们手上变成零用钱,一下子就花光了,有时还嫌不够。”

“老年人必须确保能经济自立。钱在你口袋,总比在别人口袋好。你的辛苦钱一天不用,不花在自己身上,都还不是你的。但这么说也不是鼓励你挥霍乱花。”

他也说,儿女在事业和家庭起步阶段都须要帮助,但每个的情况不同,不要顾虑分配公平与否。

“最好孩子不需要你帮太久。他们有本事的话,其实不需要你,没本事,你即使有大把钱,也会惹争端。”

他感叹,有的父母尚在,手足之间就为了争夺资产而闹上公堂。“沒教好啊。父母尚未去世已经如此,不敢想象两老不在后,会搞出什么乱象。”

他眼看一些已故名人的孩子对簿公堂,“家家有本难念的经啊!身居高位的他们已是如此,平民百姓如我更不用说了。”

他指出,自己的孩子即使多好多孝顺,他们的伴侶却是未知数,“许多纷争都由此而起,因为他们对你这个长辈以及其他家庭成员的感情不同,到头来是利字当道。”

林大悟已立了遗嘱并制订LPA。“遗嘱和LPA直接了当,我俩其中一个有事,动产与不动产全交给还在的那一个,不会牵涉下一代。”

他说:“新加坡应该有中高档次、包伙食和提供医疗等服务的退休村,让付得起的老人有私人的服务式住所。”

林大悟的许多海外老年朋友就是这样卖了大房子,把钱用在退休村,有尊严地享受剩余岁月。

林大悟最后再三提醒,每个家庭的情况都不同,关键是老年人要有经济自由。

“不要太早分家产,也不要让他们知道将得到什么。如果孩子一直要钱,不断争吵,就索性捐给可以信任的慈善机构。”

 

个案② :多年沟通与磨合 父母终于安心“花钱”享乐

多年打拼后累积可观财富,年长父母想为儿女规划财产安排未来,但儿女更希望父母专注当下享受生活。两代人为彼此着想却一度引起不愉快,但如今达成共识,老两口放心“花钱”,晚年活出精彩和意义。

陈丽丝(化名,29岁,项目经理)的父母40多年前顶下红山一家小店铺,从小买卖一步步发展。随着公司规模越来越大,陈家的经济条件越来越好,21年前搬入了荷兰村一带的独立式洋房。

“父母特别疼爱我们四个孩子,花钱毫不吝啬。但我们从小目睹父母打拼的精神,也立志像他们一样,努力自力更生。”

陈丽丝说,大哥10年前结婚时打头阵,对想要为新人买房的父母说,以后都不会拿爸妈的钱。兄妹四人借机向父母提出,希望他们能够提早退休,去享受晚年生活。

“记得当时父母的反应很激烈,还问是不是觉得他们老了没能力赚钱养家,让我们哭笑不得。”

对陈丽丝和哥哥来说,父母从小的疼爱、付出和栽培才是最宝贵的财富,再多的遗产也不及看到父母在有生之年开心重要。

经过多年的沟通和磨合,如今年近70的父母终于完全理解儿女的立场,也就遗产事宜达成了共识。

父母在疫情暴发时退休,积极投身义工和慈善。随着边境开放,两人开始出国旅行,尝试年轻时没能享受的体验。

“我们告诉父母,他们最好把所有的钱都花完,不留任何遗憾。他们看到我们事业和生活都有足够保障,也就放心让我们自理。”

妥善安排遗产 儿女父母须坦诚沟通

老年学和信托专家认为,遗产或许不是越多越好,但究竟多少才“合适”、剩余的如何安排,还须要父母和儿女坦诚开放的沟通。

新加坡管理大学法学院教授陈汉吾说,多数新加坡人都要留遗产给孩子,希望子孙过得比上一代好。《回教法执行法令》就规定三分之二遗产须留给包括孩子的受益人。

针对SKIN的趋势,他认为,老练、超高净值者认为,留太多钱给孩子不是祝福而是祸害,“要达到目标努力奋斗,太多钱反而成了障碍,也会一直怀疑人们接近他们是为了钱”。

新加坡新跃社科大学副教授(老年学课程)和体验式教育中心高级专家马学嘉博士说,多数普通收入的家长担心留给孩子太少,因此可能省吃俭用,努力存钱给孩子,给他们带来更多金钱保障。

不过,遗产积累越多,越影响父母的生活质量。

她解释,这种心态和行为源自传统的集体主义(collectivism)价值观。不论是几十人的大家庭或是仅有四五人的核心家庭,成员之间都会考虑共同利益,必要时更是准备牺牲自我利益。

随着我国社会的变迁,家庭结构有所改变,有年轻一代选择单身,即使结婚,也可能计划只养“毛孩”(意宠物)、不要儿女。他们的日常开销因此可能更少,不大需要额外的金钱贴补生活。

马学嘉说,与其父母省吃俭用、拮据度日,相信孩子更乐意看到他们安享晚年,“父母和孩子两代人的观念不同,须要坦诚开放地沟通”。

生老病死是人之常情,但人们或因恐惧而忌讳讨论,孩子该如何开口与父母讨论遗产事宜?

马学嘉强调,每个家庭有个别的相处模式,但最重要的是以父母的意愿为中心。

她分享自己做义工的经验说,一些老人家对立遗嘱所需的程序和考量不了解,儿女就说教似地告诉父母该怎么做,附加自己对遗产的设想和要求,没考虑父母想要怎么安排。

“作为儿女,我们应该帮助父母了解过程,并尊重他们的意愿,在需要时帮助他们完成。”

陈汉吾是新加坡社区基金会(The Community Foundation of Singapore)捐献者指示委员会(Donor Advised Committee)成员,也为本地慈善组织提供咨询。

他说,一些富人觉得生活在危机重重、极度不平等的世界,所以希望捐一些遗产,改善贫困甚至气候问题。

“年轻一代对留遗产给慈善事业相当正面。这一代非常热衷于一些事项,例如气候改变。”

但陈汉吾认为,为慈善捐赠财产不仅是有钱人的专利。儿女如果有一定能力,以父母的名义给学校或大学捐钱设立奖项,也很有意义。“用大概5万元设个奖项,可以纪念死者多年。”

他指出,早前的殖民时期,英国政府没提供足够的社会服务,只能靠社群自发提供援助。

本地著名的华人慈善家就有陈笃生、陈嘉庚、陈六使和李光前,陈汉吾说:“从殖民时期,慈善早就成为新加坡DNA的一部分。”

信用:联合早报©新报业媒体有限公司。复制需要许可

This article was originally published in Zaobao here. Source: Zaobao © SPH Media Limited. Permission required for reproduction.

admin bluecube
admin bluecube

Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry's standard dummy text ever since the 1500s, when an unknown printer took a galley of type and scrambled it to make a type specimen book.

News

The Straits Times: Legacy of giving lives on

John Doe
John Doe
picture of sr nathan with 4 students

In his final year as president, Mr S R Nathan – together with a few of his close friends – started discussing with me the idea of starting a philanthropic fund to help “uplift” children from poor families.

Coinciding with the launch of Mr Nathan’s memoir An Unexpected Journey: Path To The Presidency in 2011, the S R Nathan Education Upliftment Fund was established to provide financial support to disadvantaged young people by helping them complete their education.

Despite Mr Nathan’s initial reluctance on naming the fund after himself (the humble and unassuming man that he was), we were glad he eventually relented, as it would help promote the concept of community ownership and inspire others to do the same.

Administered by the Community Foundation of Singapore, the fund has since supported close to 1,000 Institute of Technical Education, polytechnic and university students by providing them bursaries, scholarships and monthly financial assistance.

The fund resonated with Mr Nathan’s beliefs and conviction about giving and receiving kindness, which we witnessed first-hand while working with him to manage the grants.

He was always involved and would make time to meet the many recipients – getting to know them and their families. He would even follow up by sending handwritten notes of thanks and encouragement.

Mr Nathan has touched many young lives through this fund. His death leaves a void, but his legacy of giving lives on. I hope that in time to come, those whom he has helped will do the same by reaching out to help others.

Laurence Lien Tsung Chern
Chairman
Community Foundation of Singapore

Link to story: http://www.straitstimes.com/forum/letters-in-print/legacy-of-giving-lives-on

admin bluecube
admin bluecube

Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry's standard dummy text ever since the 1500s, when an unknown printer took a galley of type and scrambled it to make a type specimen book.

Opinion

Accessing Quality Education: Beyond the Classroom Walls

John Doe
John Doe
a person teaching a group of children

The education of a generation is an extensive and complex undertaking.

Consider the span of time it takes to bring a single individual from nursery and preschool, through the primary and secondary school levels to the various branches of tertiary education. This journey could range from at least 12 years to almost three decades for the dedicated academic.

Keep in mind the need to cater to the individual’s development along the entire stretch in terms of how he or she learns, their psychosocial, physical, emotional and mental health, and their attitudes during the learning process. Now multiply that by over 30,000 for the number of students in each cohort year in Singapore, and you get a sense of the seemingly impossible task that faces the Ministry of Education.

The 32,000 plus teachers in Singapore (MOE, 2021) are doing a highly commendable job as it is. Singapore is ranked 21st in the latest education ranking of the Best Countries Report (World Population Review, 2022) and topped the world in the 2018 Global Competence test, conducted as part of the Programme for International Student Assessment (ST, 2020).

The Singapore education system also has facilities and options for those with learning disabilities, allowing those with conditions such as autism and Down syndrome to obtain a formal education, with pathways to employment for those who are able to do so.

There is a plethora of exit points for those who graduate from the education system here. Besides those with learning disabilities, one could complete formal education after attaining a polytechnic diploma, a university degree or even a doctorate.

While some of that depends on their innate aptitude for study, the students’ early childhood education plays a large part. While it is compulsory for all Singaporean citizens to attend primary school (MOE, 2021), the same is not true for preschool.

Government statistics reflect that nearly 99% of children in Singapore would have at least some preschool education by the age of six (MSF, 2016). This is commendable, but many still do not get the essential foundation that preschools offer, which leads in part to the learning difficulties (not to be confused with disabilities) that some children may face in keeping pace with their peers (Channel News Asia, 2019).

Learning difficulties are when a child, whose IQ is not affected, finds it challenging to learn in a particular way (MyLife Care, 2018). It could stem from conditions such as dyslexia or psychological issues such as anxiety and depression, inhibiting the child’s learning abilities and approach to studies.

Children with learning difficulties face problems with literacy and numeracy (Raising Children, 2021), which is an issue as English and Mathematics are the two core subjects that determine entry into post-secondary education.

Fortunately, there are many groups who are supporting children and youth struggling with primary and secondary school education. Although they are not teachers per se, the programme staff and volunteers of these groups are helping children with learning difficulties, who are usually from challenging backgrounds, to improve their academic abilities.

For instance, social enterprise Catch Them Young’s programme KidsExcel is partnering with the Lions Community Service Foundation to help primary- and secondary-going school children in their academic curriculum.

KidsExcel complements their tutoring time with workshops in sports and drama, which motivates the children to improve academically and to enjoy these popular activities offered by KidsExcel staff.

“I love interacting with the kids and I want to make a positive impact in their lives,” enthuses volunteer Ms Joycelyn Fung. “I have forged good relationships with the children and their parents. In the two years I have been here, it has been very fulfilling and rewarding to see the kids develop and grow.”

Resilience is a clear lesson learnt by KidsExcel care recipients, with 10-year-old Syakir stating that he would never give up in his pursuits, while 12-year-old Elfie proclaims: “I will never stop when I am tired, but will stop when I am done.”

Staff Madam Haznita shares: “It has been a joy working with the kids. Some came with little confidence and had difficulties adjusting, so we needed to spend time getting to know them better and help them settle. It is very rewarding to know they look forward to KidsExcel classes and seeing them every week. This is what motivates me.”

Another programme, Reading Odyssey by SHINE Children and Youth Services, helps to boost children’s literary abilities by inculcating a love for stories through story-telling and literature-related activities.

Taking these children onto journeys of the imagination to improve their linguistic capabilities are volunteers Bee Peng and Natasha. Every week, they tap into their dramatis personae and bring stories to life for the children.

“I like everything in Reading Odyssey, especially the games,” says P2 student beneficiary Kim Yan. “Teacher Bee Peng helps me to understand how the games are played. She is kind and patient. I thank her for teaching me.”

Bee Peng says: “I believe in the quality of Reading Odyssey; it has a positive impact on the lives of the children and has elements of character building. And I truly enjoy interacting with the children.”

Another P2 child, Divinya, demonstrates her newfound verbosity: “I like the games in Reading Odyssey and the snacks given out. My teacher Natasha helps me with reading unfamiliar words. If I don’t know the words, she helps me to pronounce them and tells me the meaning of the words. She is always present for the sessions, she never absents herself. She is always there for me. Thank you teacher, for teaching me and giving me lots of stars.” Divinya also expressed a wish for Natasha to continue teaching her in Reading Odyssey, a testament to the positive impact that even volunteers can have on our children.

A volunteer since 2017, Natasha believes in the programme’s aim of elevating the children’s self-confidence through learning and reading: “There are many opportunities to interact with the children via discussion of the stories, which allows me to journey with them and help them improve.”

Regardless of their motivation, it is clear from the number of children going through such programmes—about 350 and 180 annually from the KidsExcel and Reading Odyssey programmes—that programme staff and volunteers for such extracurricular activities are just as much teachers to our children as educators in school.

If you would like to support programmes such Reading Odyssey and KidsExcel in providing quality education to our children and make a difference in their lives, please visit Ways to give.

This article was written CFS Principal Consultant Reutens-Tan. He is an experienced sustainability advocate and practitioner, working closely with charities to build thriving communities, which he believes is key to a sustainable Singapore.

Disclaimer: The opinions expressed in this publication are those of the author. They do not purport to reflect the opinions or views of CFS or its members.

References

Channel New Asia. (15 September 2019). Commentary: Long-neglected but now in the spotlight, Singapore’s pre-school sectorhttps://www.channelnewsasia.com/commentary/pre-school-enhanced-subsidies-access-moe-kindergartens-859951

Ministry of Education. (18 October 2021). Compulsory education.
https://www.moe.gov.sg/primary/compulsory-education#:~:text=All%20Singapore%20Citizens%20born%20after,deferment%20to%20enter%20Primary%201
.

Ministry of Education. (Accessed 26 July 2022). Education Statistics Digest 2021
https:/www.moe.gov.sg/-/media/files/about-us/education-statistics-digest-2021.ashx?la=en&hash=9E7EFD9B8088817C207F8AE797037AAA2A49F167

MyLife Care. 20 September 2018. What Is The Difference Between ‘Learning Difficulties’ And ‘Learning Disabilities’? https://mylifehomecare.co.uk/insight/learning-difficulties-learning-disabilities-difference/#:~:text=a%20learning%20disability%20constitutes%20a,overall%20IQ%20of%20an%20individual

Raising Children. (2 July 2021). Learning difficulties and learning disorders: children and teenagers.
https://raisingchildren.net.au/school-age/school-learning/learning-difficulties/learning-disabilities-signs-and-support

The Straits Times. (22 October 2020). Singapore’s 15-year-olds top OECD’s Pisa global competence test.
https://str.sg/J62f

World Population Review. (Accessed 26 July 2022). Education Rankings by Country 2022.  
https://worldpopulationreview.com/country-rankings/education-rankings-by-country

admin bluecube
admin bluecube

Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry's standard dummy text ever since the 1500s, when an unknown printer took a galley of type and scrambled it to make a type specimen book.

Events

CFS signs Memorandum of Understanding with the Bank of Singapore

John Doe
John Doe
cfs and bank of singapore memorandum signing ceremony

The Community Foundation of Singapore (CFS) is pleased to share that we have signed a Memorandum of Understanding (MOU) with the Bank of Singapore. Through this collaboration, Bank of Singapore clients can partner with CFS, where we will provide them with the expertise and insight into Singapore’s charitable landscape to support their clients’ philanthropic goals and make an impact in local communities. The MOU aims to inspire philanthropic giving to help address the social and environmental challenges in Singapore.


The photo was taken at the MOU signing ceremony between Bahren Shaari, CEO of Bank of Singapore and Catherine Loh, CEO of The Community Foundation of Singapore. The ceremony was witnessed by Theresa Cheong, Head of Partnerships of The Community Foundation of Singapore and Zubin Dabu, Market Head & Chair of Bank of Singapore ESG Forum. Fund raising appeals will not be conducted by Bank of Singapore for CFS.

admin bluecube
admin bluecube

Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry's standard dummy text ever since the 1500s, when an unknown printer took a galley of type and scrambled it to make a type specimen book.

Trending Stories

Scroll to Top