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Tuesday, 22 September 2015

Is this a case of White Coat Myopia?

A 6-year-old girl was referred to the ophthalmology clinic by the School Health Service of the Health Promotion Board. She had been referred for a re-assessment at the Board after she was identified as myopic in a mass vision test performed at her primary school. The results of her vision test during the mass screening was 6/18 and 6/9, for the right and left eye, respectively. As her right eye vision test result was greater than 6/9, she was then referred to do a re-assessment at the Board. The results of her vision re-assessment were 6/18 correctable to 6/9 and 6/12 correctable to 6/6, for the right and left eye, respectively. The attending optometrist was contemplating on giving her a prescription for glasses or to refer her to the ophthalmology clinic. The point of concern was that the girl’s vision could not be corrected to 6/6 with the appropriate lenses. To err on the side of caution, she was referred to the National University Hospital Medical Centre.

She was born following a normal full-term pregnancy by vacuum-assisted delivery. There were no neonatal problems and her development was normal. She was often described as a very lively child but timid and fearful of doctors, teachers and other seemingly authoritative figures.
Both her parents do not have myopia though her grandmother had amblyopia, commonly known as lazy eye.

At the ophthalmology clinic, though her visual acuity test indicated that one of her eyes has poorer vision than the other, her 3-D vision test was ‘normal’. Her vision test was found to be 6/6 for both her eyes and her dilated eye examination did not reveal any significant findings. She was discharged as having normal vision and does not need any glasses.


The question now is that how was she assessed as having myopia on two earlier occasions? Wouldn’t the prescribed glasses have worsened her vision since it was not needed in the first instance? The ophthalmologist clarified that vision tests for children could sometimes be inaccurate as they rely heavily on the child’s responses and the subjective interpretation of the optometrist. A child that is uncooperative because she/he is shy might end up with a poor test vision result. Upon further discussion with the girl’s mother, it was found the mother was absent on the two earlier ‘failed’ vision assessments and was only present at the last eye-examination session. Could the girl had been so anxious that she could not read aloud the letters flashed before her, only to be calm enough to do so when her mother is present?  Is this a case of anxiety-induced myopia or what I like to call it White Coat Myopia?

Tuesday, 15 September 2015

Clearing the haze on PSI

What is PSI? Pollutant Standards Index (PSI) does not differ much from the Air Quality Index (AQI) used by U.S. Environmental Protection Agency (EPA) and in many cities around the world.

Both indices are calculated1,2 based on 24-hour average concentrations of pollutants. The highest index for each pollutant (based on a calculation as depicted below) will be taken as the AQI/PSI.



Hence the PSI is a reported value of the highest pollutant within the past 24 hour.

The NEA further reports 3-hour PSI readings. During periods of smoke haze, as PM2.5 (particulate matter <2.5mm) is the dominant pollutant of concern, the 3-hour PSI is the index calculated based on the PM2.5 concentration levels averaged across 3 hours.

Since most studies on the health effects of PM have used the 24-hour measurements, the health advisory in Singapore takes reference from the 24-hour PSI.

For individuals who wish to make adjustments to their daily activities, one can refer to 3-hour PSI readings or 1-hour PM2.5 concentration levels. The 1-hour PM2.5 concentration levels gives the pollutant levels of each geographical region – North, South, East, West, Central – of Singapore. The following graph shows the corresponding AQI/PSI value of PM2.5 concentration levels. Do note that for PM2.5 concentration levels between 12 and 150 mcg/m3, the PSI value will be lower than the AQI value.





The online calculator to convert PM2.5 concentration levels to AQI is available here.

How important are these numbers? Can we just rely on visibility and smell? In a Straits Times article dated 13 Mar 20143, Dr Erik Velasco, a research scientist who studies air pollution at the Singapore-MIT Alliance for Research and Technology said, “But while the haze might smell bad, its odour cannot be used to judge how harmful it might be”. He added: "The intensity of smell cannot be used to quantify the concentration of pollutants in the air. Both visibility and smell are just qualitative indicators."


Regions for Air Quality Reporting4

Region
Town Centres /Areas
North
Admirality, Kranji, Woodlands, Sembawang, Yishun, Yio Chu Kang, Seletar, Sengkang
South
Holland, Queenstown, Bukit Merah, Telok Blangah, Pasir Panjang, Sentosa, Bukit Timah, Newton, Orchard, City, Marina South
East
Serangoon, Punggol, Hougang, Tampines, Pasir Ris, Loyang, Simei, Kallang, Katong, East Coast, Macpherson, Bedok, Pulau Ubin, Pulau Tekong
West
Lim Chu Kang, Choa Chu Kang, Bukit Panjang, Tuas, Jurong East, Jurong West, Jurong Industrial Estate, Bukit Batok, Hillview, West Coast, Clementi
Central
Thomson, Marymount, Sin Ming, Ang Mo Kio, Bishan, Serangoon Gardens, MacRitchie, Toa Payoh


Wednesday, 9 September 2015

Singapore Government Savings Bonds

For the next 5 years, the Singapore Government will be issuing Savings Bonds every month. The monies collected will be used for investments. Unlike Singapore Government Securities (SGS), these Savings Bonds cannot be traded.


Below are some key points on the Singapore Government Savings Bonds:

  1. What do I need to buy Singapore Government Savings Bonds?
  • A bank account and ATM card with UOB/OCBC/DBS/POSB
  • An individual CDP account (individuals must be at least18 years old) linked to the bank

  1. How can I make an application?
  • Via ATM or internet banking for POSB/DBS account holders
  • On 1st work day up to 4th last work day of the month
  • Money will be deducted at point of application, unsuccessful applications will be returned on 2nd last work day into the bank account that was used to make the application
  • Successful applications will be credited into CDP on 1st work day of the issue month
  • Each transaction fee is $2
  • Important dates of each issuance can be viewed on the calendar
  • Minimum investment is $500, and in multiples of $500 up $50,000 for each issue. The maximum amount held across all issues cannot exceed $100,000.

  1. How can I make redemption?
  • Via ATM or internet banking for POSB/DBS account holders
  • On 1st work day up to 4th last work day of the month
  • Principal and accrued interest will be credited into the CDP-linked bank account on the 2nd work day of the following month
  • Each transaction fee is $2
  • Minimum redemption is $500, and in multiples of $500 up to the total amount invested.

  1. Tell me more about the interest payment.
  • Interest rates are stepped-up interests with increasing interest as the bond is held until maturity. Interest rates for each Savings Bond issue is available here
  • Interest payments will be directly credited into the CDP-linked bank account on 1st business day of 6th month and 12th month
  • The interest rates of each Savings Bond issue are based on the average Singapore Government Securities (SGS) yields the month before applications for that issue open

  1. At maturity, the principal and last interest payment will be directly credited into the CDP-linked bank account. There will be no $2 transaction fee.
For any particular issue, if the total amount of applications exceeds the amount of bonds available, one will not get the full amount of bonds applied for. In the worst case scenario, if one is not even allotted the minimum amount $500, the $2 transaction fee is lost. And at 1% interest rate, if one is allotted the minimum $500, the holding period should be at least 1 year in order to break even and start to accumulate interest.