Author: ValueChampion

November BTO Sales Launch: Where Can You Find the Best Value?

The Housing & Development Board’s current Build-To-Order (BTO) sales launch will provide 3,802 new HDB flats, which is an exciting proposition for many prospective homebuyers. Given that purchasing a home is one of the most important investments that you will make in your lifetime, it is crucial to do your research in order to find good value. With that in mind, we’ve carefully reviewed the sales launch information to help you make a good investment. What Type of Homes Are Available? The latest BTO sales launch offers a wide range of housing options. For example, available units range from...

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Beauty Pageant to Tech Industry: How Jeraldine Phneah Took Control of Her Career & Bought a HDB Flat by Age 26

For young Singaporeans graduating from universities, the realities of the job market can be quite sobering. For example, the annual surveys of recent graduates from leading universities in Singapore found that only 78.4% of last year’s graduates were able to find full-time jobs 6 months after their final examinations, down more than 10% from 89.8% in 2007. In this regard, it’s becoming ever more important for young adults in Singapore to take both conscientious decisions and creative paths to craft a career that work for them. Jeraldine Phneah, a former beauty pageant in Singapore, has an interesting perspective to...

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Beauty Pageant to Tech Industry: How Jeraldine Phneah Took Control of Her Career & Bought a HDB Flat by Age 26 With Her Partner

For young Singaporeans graduating from universities, the realities of the job market can be quite sobering. For example, the annual surveys of recent graduates from leading universities in Singapore found that only 78.4% of last year’s graduates were able to find full-time jobs 6 months after their final examinations, down more than 10% from 89.8% in 2007. In this regard, it’s becoming ever more important for young adults in Singapore to take both conscientious decisions and creative paths to craft a career that work for them. Jeraldine Phneah, a former beauty pageant in Singapore, has an interesting perspective to...

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Redefining Ugly: How One Singapore-Based Startup Aims to Achieve Zero Food Waste

The Food and Agriculture Organization of the United Nations reports that each year more than 1 billion tonnes of food is wasted. Local startup, UglyFood, has found that foods that are not cosmetically attractive (or “ugly”) are often wasted as they are viewed as less desirable to shoppers. The startup’s founders saw this as both a business and social-impact opportunity. So far, the business has diverted more than 7,384 perfectly edible fruits and vegetables by transforming them into juices, smoothies and popsicles. We conducted an interview with UglyFood to learn about the organisation’s mission, successes and future goals, as...

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How One Man is Changing Car Insurance to Help You Save Money

As part of our series to reach out to insurers and insurtech companies to bring you direct news about the evolving landscape in the insurance industry, we spoke to the founder of one of the most innovative insurtech companies in recent years. Yujun Chean of Vouch Insurtech tells us what drove him to create Vouch and how he thinks technology is changing the car insurance space for the better. What made you think of starting a company like Vouch? Personally, I have no prior working experience in the industry. Instead, as a consumer, I have been paying for different...

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4 Ways to Avoid Losing Money As a Landlord

Renovations, accidental structural damage and noncompliant tenants are among the top fears of landlords. With the number of HDB rental applicants increasing 55% between 2011 and 2017, we can surmise that more and more homeowners are making the decision to rent out their properties in hopes of getting extra cash. However, it is important to address the potential financial risks that can come with becoming a landlord. The decision to become a landlord comes responsibilities beyond simply collecting the rent check every month. You also need to make your sure your flat is comfortable for your tenants, carry out...

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5 Affordable Ways to Set Your Child Up for a Lifetime of Good Health

Parents always want what’s best for their child, often spending thousands of dollars on the best schools, extracurriculars and gadgets. However, instilling healthy lifestyle habits is just as important as getting your kid into the best school. Not only does a healthy lifestyle in childhood correlate to a healthy lifestyle as an adult, but it also prevents unnecessary spending on easily avoidable doctor’s visits that take time away from their education. However, despite high healthcare costs, you don’t actually need to spend a lot of money to keep your child healthy. Below, we discuss 5 things you can do...

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3 Ways to Boost Your HDB Flat's Resale Value

In recent months, HDB flat resale values have remained sluggish. Whether this is caused by fears of 99-year leases ending or by cooling measures, it is not a great sign for homeowners. Because these homeowners can’t affect the market’s trends or make their neighborhood trendy overnight, we wondered how these individuals could actually boost the value of their homes. In this article we examine three different ways that you can increase the value of your home, ranging from expensive to more affordable options. Got a Big Budget? Hire an Interior Designer If you feel that your home needs a...

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Travelling for Deepavali? Where to Go and How to Save While Celebrating

Deepavali (Diwali) is the second to last public holiday left this year, a stark reminder that 2018 has somehow ended as fast as it began. While Singapore has many interesting things to do during the Festival of Lights, some people may want to take advantage of Deepavali falling on a Tuesday and take a well-deserved long weekend holiday. In fact, this can be the perfect time to not only explore a new destination, but also see how other countries around the world celebrate this festive Hindu holiday. Below, you’ll find some of the top destinations to visit if you...

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Making Connections: SME Interview Series with Minterest

Founded in 2016 by three experienced finance professionals, Minterest seeks to empower small businesses by connecting them individual investors with through its crowdfunding platform. So far the Singapore-based startup has raised more than S$32 million in small business loans. To find out more about the company’s success and future plans, we interviewed Minterest’s Co-Founder and CEO Charis Liau. We believe that Minterest’s startup experience and expertise in small business financing provide valuable lessons for entrepreneurs in Singapore . When did Minterest begin its operations? Minterest was incorporated in March 2016 and commenced operations in May 2017 after securing its...

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3 Ways to Avoid Becoming a Victim of a Crowdfunding Scam

Earlier this year SME director Choy Peiyi was sentenced to 10 years in jail for creating fake invoices that allowed her business, Vanguard Project Management, to raise more than S$25 via the Singapore-based crowdfunding site Capital Springboard. Users of the Capital Springboard platform that invested in Peiyi’s company lost nearly S$7 million in total. Choose the Right Crowdfunding Platform If this example worries you about investing in crowdfunding campaigns, you may be reassured to know that not all crowdfunding platforms pose this much risk. In fact, some platforms have incredibly low default rates, which highlights the need to conduct...

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Which University Program in Singapore Offers the Highest Return on Investment?

Attending university is a crucial step for advancing your career and salary potential. With that said, the cost of university education continues to soar and not all programs are created equal in terms of helping students find a job. Given these factors, how can you be sure that going to college actually pays off? To help prospective university students and their parents, we’ve analysed data from more than 70 programs in Singapore to determine which ones give you the value in terms of expected salary compared to tuition cost. Computer Science & Nursing Offer Great ROI Our analysis indicates...

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How Rich Do You Have to Be to Own Landed Property in Singapore?

One of the most coveted types of real estate property in Singapore is the landed property. Peppered throughout Singapore among the towering HDB’s and Condos, landed properties can both inspire and act as a stark reminder of Singapore’s wealth gap. So how much do you actually have to earn to be able to afford a landed property? Below, we take a look at the costs are associated with owning a landed property and how much you need to earn to afford one. How Much Do Landed Properties Cost? Depending on the type of landed property you want to get,...

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What Do Rising Interest Rates in the U.S. Mean for Singaporeans?

If you are familiar with trends in international banking and finance, you already know that changes in Singapore’s interest rates (SIBOR and SOR) are typically correlated to those of interest rates in the United States. Given the United States Federal Reserve has increased its target interest rate to 2.25%, Singaporeans should expect to see SIBOR and SOR rates increase in the coming weeks. But what exactly does this mean for individuals in Singapore? Why Does the Rate Hike Matter to You? For most Singaporeans, rising interest rates shouldn’t cause too much concern. However, higher rates mean that the cost...

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How I Managed to Amass $750K Before the Age of 35: Real Life Lessons from Brian

This is the second interview we’re producing in our efforts to educate and inspire our readers with real life examples. While our first interview focused on how to save money, this one features the story of Brian who recently managed to save S$750k in Singapore before reaching the age of 35. But how was he able to achieve such a big feat, and what could our readers learn from him? We asked him to share his thoughts on the matter. Story of Brian: How I Managed to Amass S$750k Before the Age of 35 Being able to amass $750k...

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