Monday, December 15, 2025
Sunday, December 14, 2025
傅丽云：体谅在缝隙里 努力求存的人
Saturday, December 13, 2025
本地数家银行的新元定存利率下调。（商业时报）2025-12-13
本地数家银行的新元定存利率下调。（商业时报）
美联储再降息
最高介于1.1%至1.3%
我国多银行下调定存利率
美国如市场预期再降息，而本地多家银行定存利率近期也进一步下调，其中星展银行利率从早前最高1.6%降至1.0%.
美国联邦储备委员会宣布将联邦基金利率目标区间下调0.25个百分点，至3.5%到3.75%之间。这是美联储自今年9月以来连续第三次降息。
本地有数家银行近来也进一步调低定存户头利率。本报9月份报道，本地新元定存利率再次进入低于2%时代，星展银行当时仍提供达1.6%定存利率是市面上最高，而截至12月11日，星展银行的定存利率已大幅降至最高1%。
另有三家银行的定存利率同样面临调降，其中降幅较明显的是大华银行，从1.35%下滑了0.15个百分点，来到最高1.20%；其他两家则是兴业银行和汇丰银行，分别下降了0.1和0.05个百分点。
总体来看，大部分银行的最高定存年利率介于1.1%到1.3%之间。目前最高的定存利率是中国工商银行和中国银行，最高可享1.4%的利率。
独立经济师宋生文受访时表示，本地利率的调降，包括星展银行的大幅下滑都属正常现象。全球利率在过去一年多持续走低，美欧等主要央行均进入降息周期，定存利率下滑反映了这个趋势。
他也预估，如无意外，本地利率将持续下降，明年下半年触底。“关键取决于全球经济增长、通胀走势以及美国联储局明年是否继续降息。”
他也指出，偏保守的定存用户可继续定存以保安全；而愿意承担风险者可考虑股票、基金、黄金等。“尤其黄金价过去一年的涨幅相当大，虽然难以判断现在是否值得入手，但不失为一个替代选择。”
3银行利率微增
有银行定存利率回弹。
尽管整体利率环境持续走低，但仍有三家银行的定存利率逆势上调但幅度不大。相较于9月份，马来亚银行和渣打银行的定存利率微涨了0.05个百分点；而中国工商银行则从9月份的1.30%调涨到1.40%。
宋生文指出，三家银行定存利率不跌反升，可能因个别银行的资金需求所致。“若银行在特定阶段需要更多资金，就可能短暂提高定存利率，以吸引存款流入。”
他也说，不排除这几家银行寻得新的放贷机会，预期能以更高利率把资金贷出，从而获得更好的收益，因此调涨定存利率。
新元定存利率表
银行 | 存放期（月） | 最高年利率（%） | 最低存款（新元）
星展银行（DBS） 8-12 1.00 1000
华侨银行（OCBC） 9 1.15 2万
大华银行（UOB） 6 1.20 1万
马来亚银行（Maybank） 6 1.30 2万
中国银行（BOC） 3 1.40 500
兴业银行（RHB） 3 1.30 2万
联昌国际银行（CIMB） 3 1.30 1万
丰隆金融（HLF） 3/5 1.30 6万
中国工商银行（ICBC） 3/6 1.40 500
汇丰银行（HSBC） 3 0.80 3万
渣打银行（StanChart） 6 1.15 2万5000元
（资料来源：各大银行网站针对一般客户提供的最高定存利率。截至12月12日早上10时。）
张凯倩 报道
Friday, December 12, 2025
Ministry of Health: Access to public healthcare a key reason for changes to IP riders
Thursday, December 11, 2025
Wednesday, December 10, 2025
How to stop HDB Gas Supply ( GasSupply) HDBHDB 2025-12-10
- Contact City Energy/SP Group: The turn on and off of piped town gas supply can only be performed by City Energy or its appointed agents. You can submit a request through the SP Group website or app, or by calling them.
- SP Group website (Close Account)
- City Energy hotline: 1800 555 1661
- SP Group general hotline: 1800 222 2333
- Schedule an Appointment: You will need to arrange an appointment for a technician to come to your flat to physically terminate the supply. It is advisable to book this in advance, up to 30 days prior to your desired termination date, as appointments are subject to availability.
- Technician Visit: A licensed technician will perform the termination, which involves isolating the gas supply at the meter (usually located outside your unit or in a service cupboard) and plugging the internal pipes to ensure no gas leaks.
- Settle Final Bill: The termination fee will be charged to your final utilities bill. Any remaining security deposit will be used to offset outstanding charges, and any credit balance refunded to you within a few working weeks.
- Safety First: Gas is invisible, and any amateur handling can lead to dangerous leaks or incidents.
- Legal Compliance: Only LGSWs licensed by the Energy Market Authority (EMA) are legally permitted to carry out gas installation or alteration works.
- Renovations: If you are stopping the supply for renovation purposes (e.g., switching to an induction hob), inform City Energy to arrange a temporary termination of the gas supply and proper capping of the pipes before work begins.
Tuesday, December 9, 2025
Suicide: Let’s talk about suicide
Let’s talk about suicide
Let’s talk about suicide
https://www.straitstimes.com/singapore/health/lets-talk-about-suicide-do-not-avoid-it
2025-09-29
SINGAPORE - Suicide is a subject which is often avoided – but that could be the last thing that someone who is expressing suicidal thoughts needs.
“When someone says, ‘I’m going to kill myself’, the usual response would be: ‘You shouldn’t say that’ and it shuts them down,” said Rui (not his real name), who is in his 30s and has struggled with suicidal thoughts.
Helplines
Mental well-being
- National helpline: 1771 (24 hours) / 6669-1771 (via WhatsApp)
- Samaritans of Singapore: 1-767 (24 hours) / 9151-1767 (24 hours CareText via WhatsApp)
- Singapore Association for Mental Health: 1800-283-7019
- Silver Ribbon Singapore: 6386-1928
- Chat, Centre of Excellence for Youth Mental Health: 6493-6500/1
- Women’s Helpline (Aware): 1800-777-5555 (weekdays, 10am to 6pm)
- The Seniors Helpline: 1800-555-5555 (weekdays, 9am to 5pm)
Counselling
- Touchline (Counselling): 1800-377-2252
- Touch Care Line (for caregivers): 6804-6555
- Counselling and Care Centre: 6536-6366
- We Care Community Services: 3165-8017
- Shan You Counselling Centre: 6741-9293
- Clarity Singapore: 6757-7990
Online resources
- mindline.sg/fsmh
- eC2.sg
- tinklefriend.sg
- chat.mentalhealth.sg
- carey.carecorner.org.sg (for those aged 13 to 25)
- limitless.sg/talk (for those aged 12 to 25)
- shanyou.org.sg
Rui, who attends meetings with the Light in the Dark support group launched by Samaritans of Singapore, said he wishes people understood that suicidal thoughts are a painful, overwhelming reality for many, and not attempts at seeking attention.
“People who say ‘I’m going to end it’ are asking for help in the only way they can,” he said.
Experts say the key is to treat ideation as a signal that support is needed.
People often think that asking loved ones in distress if they are suicidal might plant the idea in their heads, when the truth is that it might actually protect them, say experts.
There are many misconceptions around suicide, including that suicidal thoughts affect only individuals who have mental illnesses.
However, they can also occur in people who have not been formally diagnosed with a mental health condition, or, at least, are not known to have had a mental illness before their deaths, said Associate Professor Mythily Subramaniam, assistant chairwoman of the Institute of Mental Health’s (IMH) medical board for research.
“In these cases, the trigger may be a major life event like humiliation, loss, failure or conflict, combined with poor coping resources, social isolation or a sense of being utterly overwhelmed,” she said.
The risks may be even greater for adolescents.
A February study by KK Women’s and Children’s Hospital (KKH) found that young patients who had tried to hurt themselves typically did not have serious mental health disorders, but instead had psychosocial problems and emotional regulation difficulties.
The study looked into the psychosocial stressors and risk profiles of adolescents who visited KKH’s emergency department for suicidal or self-harm attempts from January to December 2021. The authors reviewed 221 medical records of patients aged 10 to 19.
The most frequently observed mental health challenges were stress-related and emotional coping difficulties, which were present in 50.7 per cent of patients, and mood and anxiety symptoms, present in 53.4 per cent of patients.
Left unassisted, their mental health distress can rapidly escalate and manifest in behaviour that is a risk to themselves, the authors of the study said.
Awareness and prevention a whole-of-society effort
Bringing the topic of suicide into the open has become paramount, as it remains the leading cause of death among young people aged 10 to 29 for the sixth consecutive year.
It is one of the most urgent public health challenges for Singapore, said Prof Mythily.
The issue requires a whole-of-nation approach, with a lead agency to coordinate proven prevention efforts, training for the community to recognise warning signs, and continued research funding to find better ways of preventing it, she said.
Both Prof Mythily and Professor Chong Siow Ann, a senior consultant at IMH’s Research Division and Department of Psychosis, said that those who come into contact most often with youth, such as teachers, national service (NS) officers, human resources staff and community volunteers, should be better trained to recognise the warning signs if someone is at risk.
Schools, NS units and workplaces should also provide stronger support to those affected by a suicide to reduce risk and promote healing.
Prof Mythily and Prof Chong recently concluded a study where suicide survivors were interviewed.
They said mental health hotlines such as the Samaritans’ hotline 1767 and the national mindline 1771 should have youth-friendly chat and text options, as these are young people’s preferred communication channels. Currently, the two hotlines offer a text option only through WhatsApp.
National efforts must also address stigma, so that young people feel they can seek help without fear, the healthcare professionals added.
Ms Chan May Peng, lead counsellor and senior manager at the Samaritans, said suicide ideation is more common than many realise.
It can stem from stressors and traumatic experiences at different stages of life such as childhood trauma or abuse, relationship breakdowns, employment or financial struggles, or living with a chronic illness.
Those who are vulnerable could also be suffering from social isolation and loneliness, mental health conditions, a lack of support systems, and cultural or societal stigma that discourages them from seeking help.
There could be broader influences, such as neurological or genetic vulnerabilities, or social media, in the form of cyber bullying, online harassment or platforms that may unintentionally normalise or romanticise suicide, Ms Chan said.
“The more people are aware of and willing to talk about suicide, the wider the community safety net becomes, so that no one falls through the cracks,” she said.
In Singapore, there were 434 suicide deaths in 2023, and 476 in 2022.
In 2024, the provisional number of suicide deaths was 314, but the final number will likely be higher after investigations into cases are concluded.
For instance, the provisional number of suicide deaths in 2023 was 322, a figure that was then widely reported as the lowest in two decades. However, the final figure turned out to be 35 per cent higher, at 434.
Project Hayat, the group behind Singapore’s first suicide prevention White Paper in 2024, has launched a study to better gauge the true number of suicides as a better guide for policies.
Critically, these numbers tell just part of the story.
According to the World Health Organisation, more than 720,000 people die by suicide every year, and for each suicide, there are an estimated 20 suicide attempts.
Project Hayat has called for a coordinated approach to suicide prevention, with a central body to spearhead efforts.
Spotting the warning signs
IMH, which conducted face-to-face interviews with suicide survivors for a recently concluded study, said in a Sept 17 press release that key risk factors include previous suicide attempts, having a mental health condition, ongoing physical health challenges such as greater functional limitations and insomnia, and relationship breakdowns.
Prof Mythily, the study’s principal investigator, said a significantly higher number of acute warning signs tends to appear in the week before death. These include substance abuse, a sense of purposelessness, heightened anxiety and social withdrawal.
Other signs could include changes in sleep patterns – either sleeping too much or too little – and saying things like “You’d be better off without me”, said Ms Charlene Heng, deputy director of SOS Academy, the training wing of the Samaritans.
Prof Chong, the co-investigator of the IMH study, said: “Look out for someone talking about death, feeling like a burden, or saying they have no future. Notice if they are searching online for ways to harm themselves, withdrawing from friends, school or work, or showing severe insomnia, agitation or reckless behaviour.
“Red flags include extreme agitation, or, paradoxically, a sudden calmness after a period of great distress, which can mean they have made a decision to kill themselves.”
Mr Alex Yeo, executive director of suicide prevention charity Caring for Life, said that one warning sign is the act of posting farewell messages on social media.
These can be very short. For instance, someone might send a message to his friends on social media, expressing gratitude for their support, and ending it with “but I think it’s time for me to rest”.
“How many people actually realise that this is an indirect cry for help and you need to do the right thing to prevent a potential attempt,” Mr Yeo said.
“At the end of the day, when it comes to suicide ideation, it’s really a presenting symptom of a deeper root problem.”
A mother who lost her child
A mother in her 40s, who lost her 12-year-old daughter to suicide in 2024, said the happy-go-lucky and feisty child had shown mostly very general signs of stress, apart from one sign that she found out about only after the girl had died.
After her daughter’s death, the mother sought out her notebooks and a suicide note, and realised her child had developed a highly critical inner voice that was not expressed outwardly.
Her daughter had loved to draw and write stories, but the girl later discredited them, even writing “failed” in a huge font across one of them.
Despite being of average height, the child lamented that she was short, and her lethargy, likely due to depression, fuelled her belief that she was lazy. She did not own any devices, but would secretly sneak the common phone or tablet into her room to read manga or watch anime at night.
She looked tired in the day and would doze off, which was something that did not happen before, said the mother, who started attending counselling sessions by the Samaritans, as well as its support groups, after the organisation reached out to her through its suicide survivors programme.
The mother noted from her daughter’s writings that the child would binge to “take care” of her mental health, but she had thought her child’s good appetite was a sign that she was growing.
A school journal showed that she would draw a lot when she was sad or angry, and she produced her most vivid drawings in the months before her death.
Going through that book after her child’s death, the mother found writings about how she did not seek help for a big challenge because she thought that she could manage on her own, and had doubts that talking to others would help.
And so, the child hid her struggles from her family well.
“The challenge is how we, as parents, can discern between signs of depression and behavioural traits typical of children of her age,” said the mother.
“(For the child), there is a difference between (the) feeling (of) being loved and (the) feeling (of) being unneeded – which surfaced recently in a conversation with a suicide survivor and also my daughter’s suicide note; not sure how to address the latter, but, nonetheless, (awareness of) these aspects can be strengthened,” said the mother.
Conversations must be held; everyone can help
Caring for Life’s Mr Yeo emphasised that new stresses such as being scammed can lead to suicidal thoughts. He said people under severe stress may no longer be capable of seeking help, and it would be up to those around them – family, friends, colleagues and superiors – to step up.
The people closest to them can help them to re-anchor themselves and find a reason to live, and to seek help to address the deeper issue that had led to the suicide ideation, said Mr Yeo.
Action should be taken the moment suicidal thoughts are disclosed. Even if there is no plan, early intervention in the form of listening with empathy, linking the person to support, and reducing his or her isolation can dramatically lower the risk of an attempt, said Prof Chong.
The Samaritans’ Ms Heng said that, as a society, all of us can learn to spot risks earlier, and create spaces where people feel safe to talk about their struggles without judgment.
“For members of the public, it can be as simple as checking in with your community and network,” she said.
“Struggles are not always obvious, but providing an empathetic listening ear can help your friends and family feel safe about sharing these hidden troubles.”
SOS Academy offers community-based programmes, such as Be A Samaritan, where the public can learn how to support someone in a suicide crisis, Ms Heng said.
Ultimately, the key to reduce stigma around suicide is to have open discussions about it, so it becomes as normal and acceptable as talking about any other health concern, said Prof Mythily and Prof Chong.
If someone tells me he or she is feeling suicidal, what should I do?
- First, do not react with panic or threaten to call the police. Stay calm and listen without judgment. Acknowledge that he or she has trusted you enough to disclose this. Ask gently if the person has a plan or the means to self-harm.
- If the person has a plan or access to means, or refuses help, stay with him or her and call 995 for an ambulance, or take the person to the nearest emergency department. Call the police on 999 if safety cannot be ensured.
- If there is no immediate danger, link the person to support right away: Call the Samaritans’ hotline on 1767 (24/7), or the national mindline 1771.
- Ask for the person’s consent to involve his or her next of kin, refer the person to professional mental health providers, such as the Samaritans, or encourage the person to see a doctor or counsellor as soon as possible. The Samaritans offer free counselling and have free support groups for anyone who is thinking about, facing or affected by suicide.
- Avoid minimising the person’s pain by saying “I have gone through much worse” or offering quick fixes (“This will pass before you know it”). The most powerful thing you can do is stay present and keep the person safe until professional help is in place.
- When a child or elderly person expresses suicidal thoughts, keep him or her safe, do not leave the person alone, and get urgent professional assessment – through a general practitioner or polyclinic, or directly at IMH or the children’s emergency department. For older adults, involve caregivers and check for treatable contributors such as pain, grief or dementia.
(Source: IMH, Samaritans of Singapore)
- Joyce Teo is senior health correspondent at The Straits Times and the host of ST podcast series Health Check.
- Lee Li Ying is a correspondent on the health beat at The Straits Times. She has a keen interest in mental health, health technology, ageing and reproductive care.