Author: ValueChampion

Start University on the Right Foot: 4 Things to Consider After Receiving Your Admissions Letter

During this time of the year, students are receiving their university admissions and deciding which university they will attend in the coming academic year. It’s an exciting time given the high expectations that come with pursuing further education. For example, these degrees can greatly increase the earning potential of future graduates. In this article, we provide some tips for these students and their families to help simplify this process. Consider All of Your Options Once you’ve heard back from each school on your list, it is important to compare all of your options. It can be helpful to create...

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Online Tuition: Does It Really Help You Save Money?

Get the Best Credit Cards in Singapore {“applyCallToAction”:”Learn More”,”defaultSelectedItem”:””,”description”:””,”formType”:”credit-cards”,”title”:”Get the Best Credit Cards in Singapore”,”options”:[{“label”:”Rewards”,”url”:”https://www.valuechampion.sg/best-rewards-credit-cards”,”value”:”rewards”},{“label”:”Cashback”,”url”:”https://www.valuechampion.sg/best-cashback-credit-cards”,”value”:”cashback”},{“label”:”Miles”,”url”:”https://www.valuechampion.sg/best-travel-credit-cards”,”value”:”miles”},{“label”:”Promotions”,”url”:”https://www.valuechampion.sg/best-credit-cards-promotion-and-bonus”,”value”:”promotions”},{“label”:”No Annual Fee”,”url”:”https://www.valuechampion.sg/best-no-fee-credit-cards”,”value”:”no-annual-fee”},{“label”:”Petrol”,”url”:”https://www.valuechampion.sg/best-petrol-credit-cards”,”value”:”petrol”},{“label”:”Overseas Spending”,”url”:”https://www.valuechampion.sg/best-credit-cards-overseas-spending”,”value”:”overseas-spending”},{“label”:”Grab Rides”,”url”:”https://www.valuechampion.sg/best-credit-cards-grab-rides”,”value”:”grab-rides”},{“label”:”Shopping”,”url”:”https://www.valuechampion.sg/best-shopping-credit-cards”,”value”:”shopping”},{“label”:”EZ-Link”,”url”:”https://www.valuechampion.sg/best-ez-reload-credit-cards”,”value”:”ez-link”},{“label”:”Student”,”url”:”https://www.valuechampion.sg/best-student-credit-cards”,”value”:”student”}]} Fully online tuition has not only become increasingly viable in the past few years, it’s also becoming a more and more popular way for Singaporean students to learn conveniently from their own homes. Tutors offer 1-on-1 sessions, but neither teacher nor student need to travel. It would seem this mutual efficiency might be grounds for a lower rate–especially given the time and effort needed to coordinate traditional home tuition. However, is this actually the case? At ValueChampion, we’ve analysed both...

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5 Medical Procedures With Exorbitant Out-Of-Pocket Costs

Healthcare is expensive in Singapore and even after taking advantage of every subsidy and insurance coverage available, Singaporens may still be left with high out-of-pocket costs. In fact, out-of-pocket costs make up almost 37% of total healthcare expenditure in Singapore. This figure is almost 3 times as high as the high-income country average and 1.4x higher than the East Asia & Pacific average. While some procedures may only incur minor out-of-pocket costs (OOP), other procedures may end up costing the patient thousands of dollars. Below, we take a look at which treatments have high out-of-pocket cost, as well as...

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4 Habits to Adopt When You're Young to Adapt to Working When You're Old

While there is much discussion about Singapore raising the retirement and re-employment ages this year, it is doubtful that it will be the last time this topic will be discussed for most millennial workers. With increasing lifespans and better healthcare, Singaporeans are living longer, healthier lives. However, despite more elderly in the workforce than just 10 years ago, working into your older age may not be desirable due to declining health. Because the retirement or the re-employment age may be raised again in the next 20-30 years, workers who just entered the workforce may have to start thinking about...

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How to Earn Vacation Miles by Paying Your Taxes

Get the Best Credit Cards in Singapore {“applyCallToAction”:”Learn More”,”defaultSelectedItem”:””,”description”:””,”formType”:”credit-cards”,”title”:”Get the Best Credit Cards in Singapore”,”options”:[{“label”:”Rewards”,”url”:”https://www.valuechampion.sg/best-rewards-credit-cards”,”value”:”rewards”},{“label”:”Cashback”,”url”:”https://www.valuechampion.sg/best-cashback-credit-cards”,”value”:”cashback”},{“label”:”Miles”,”url”:”https://www.valuechampion.sg/best-travel-credit-cards”,”value”:”miles”},{“label”:”Promotions”,”url”:”https://www.valuechampion.sg/best-credit-cards-promotion-and-bonus”,”value”:”promotions”},{“label”:”No Annual Fee”,”url”:”https://www.valuechampion.sg/best-no-fee-credit-cards”,”value”:”no-annual-fee”},{“label”:”Petrol”,”url”:”https://www.valuechampion.sg/best-petrol-credit-cards”,”value”:”petrol”},{“label”:”Overseas Spending”,”url”:”https://www.valuechampion.sg/best-credit-cards-overseas-spending”,”value”:”overseas-spending”},{“label”:”Grab Rides”,”url”:”https://www.valuechampion.sg/best-credit-cards-grab-rides”,”value”:”grab-rides”},{“label”:”Shopping”,”url”:”https://www.valuechampion.sg/best-shopping-credit-cards”,”value”:”shopping”},{“label”:”EZ-Link”,”url”:”https://www.valuechampion.sg/best-ez-reload-credit-cards”,”value”:”ez-link”},{“label”:”Student”,”url”:”https://www.valuechampion.sg/best-student-credit-cards”,”value”:”student”}]} What if this tax season, you could earn air miles for charging your income tax payment to your credit card? After all, doesn’t everybody deserve some kind of rewards for their patience with forms and filing? Fortunately, there are several credit cards on the market that can actually translate your payments into miles rewards–perfect if you’re looking forward to summer travels. How to Earn Miles with Your Tax Payment In reality, when you charge your income tax to your credit...

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How Much Does it Cost to Stay at the World's Most Popular Airbnbs?

Get the Best Travel Insurance in Singapore {“applyCallToAction”:”Learn More”,”defaultSelectedItem”:””,”description”:””,”formType”:”travel-insurance”,”title”:”Get the Best Travel Insurance in Singapore”,”options”:[{“label”:”Travel Insurance”,”url”:”https://www.valuechampion.sg/best-cheap-travel-insurance”,”value”:”travel-insurance”},{“label”:”Annual Travel Insurance”,”url”:”https://www.valuechampion.sg/best-cheap-annual-travel-insurance”,”value”:”annual”},{“label”:”Travel Insurance Promotions”,”url”:”https://www.valuechampion.sg/best-travel-insurance-promotions-discounts”,”value”:”promotions”},{“label”:”Travel Insurance for Sports”,”url”:”https://www.valuechampion.sg/best-cheap-travel-insurance-sports”,”value”:”sports”},{“label”:”Travel Insurance for Families and Groups”,”url”:”https://www.valuechampion.sg/best-cheap-travel-insurance-families-groups”,”value”:”families-and-groups”},{“label”:”Travel Insurance for Seniors”,”url”:”https://www.valuechampion.sg/best-cheap-travel-insurance-seniors”,”value”:”seniors”}]} With the rise of short-term vacation rental websites such as Airbnb, travellers are no longer limited to staying in hotels. Airbnb’s inception in 2008 shook the traditional hotel industry and over the years, some truly unique and breath-taking homes have been listed. Due to this, travellers are now considering accommodations as part of their overall travel experience. Below, we find out how much it costs to stay at...

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Pinterest vs Twitter vs Snapchat: What You Need to Know Before Investing in the IPO

After Lyft’s highly anticipated IPO last week, the next tech “decacorn” that is up for listing is Pinterest, which has already made its S-1 filings public. In regards to evaluating Pinterest’s business model and its rumored $12bn valuation, it helps to have a few different points of comparisons. Namely, Twitter and Snapchat serve as very natural reference points: they are all “smaller” social networks with a strong presence within their niche markets while also facing stiff competition from Facebook. To help interested investors decide whether they want to invest in Pinterest, we’ve put together the below comparative analysis to...

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4 Expenses You Could be Earning Credit Card Rewards For…But Probably Aren't

Get the Best Credit Cards in Singapore {“applyCallToAction”:”Learn More”,”defaultSelectedItem”:””,”description”:””,”formType”:”credit-cards”,”title”:”Get the Best Credit Cards in Singapore”,”options”:[{“label”:”Rewards”,”url”:”https://www.valuechampion.sg/best-rewards-credit-cards”,”value”:”rewards”},{“label”:”Cashback”,”url”:”https://www.valuechampion.sg/best-cashback-credit-cards”,”value”:”cashback”},{“label”:”Miles”,”url”:”https://www.valuechampion.sg/best-travel-credit-cards”,”value”:”miles”},{“label”:”Promotions”,”url”:”https://www.valuechampion.sg/best-credit-cards-promotion-and-bonus”,”value”:”promotions”},{“label”:”No Annual Fee”,”url”:”https://www.valuechampion.sg/best-no-fee-credit-cards”,”value”:”no-annual-fee”},{“label”:”Petrol”,”url”:”https://www.valuechampion.sg/best-petrol-credit-cards”,”value”:”petrol”},{“label”:”Overseas Spending”,”url”:”https://www.valuechampion.sg/best-credit-cards-overseas-spending”,”value”:”overseas-spending”},{“label”:”Grab Rides”,”url”:”https://www.valuechampion.sg/best-credit-cards-grab-rides”,”value”:”grab-rides”},{“label”:”Shopping”,”url”:”https://www.valuechampion.sg/best-shopping-credit-cards”,”value”:”shopping”},{“label”:”EZ-Link”,”url”:”https://www.valuechampion.sg/best-ez-reload-credit-cards”,”value”:”ez-link”},{“label”:”Student”,”url”:”https://www.valuechampion.sg/best-student-credit-cards”,”value”:”student”}]} Almost everything you spend on–from Starbucks coffee to Grab rides–can easily earn miles or cashback if you have the right credit card. Even still, many people neglect to use their credit cards for surprisingly common expenses. In fact, it’s almost taken for granted that credit cards no longer reward income tax payments, recurring bills and AXS, or even medical expenses–but is this really always the case? To make sure you’re not leaving rewards on the table, we’ve identified 4 commonly...

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Wedding Costs Even Higher in 2019: Banquet Prices Continue to Increase

Get the Best Personal Loans in Singapore {“applyCallToAction”:”Learn More”,”defaultSelectedItem”:””,”description”:””,”formType”:”personal-loans”,”title”:”Get the Best Personal Loans in Singapore”,”options”:[{“label”:”Personal Loans”,”url”:”https://www.valuechampion.sg/best-personal-loans-singapore”,”value”:”personal-loans”},{“label”:”Personal Loans for Bad Credit”,”url”:”https://www.valuechampion.sg/best-personal-loans-bad-credit-singapore”,”value”:”bad-credit”},{“label”:”Personal Loans for Foreigners”,”url”:”https://www.valuechampion.sg/best-personal-loans-foreigners-singapore”,”value”:”foreigners”},{“label”:”Debt Consolidation Plans”,”url”:”https://www.valuechampion.sg/best-debt-consolidation-loans”,”value”:”debt-consolidation-plans”},{“label”:”Balance Transfers”,”url”:”https://www.valuechampion.sg/best-balance-transfer-loans”,”value”:”balance-transfer”},{“label”:”Personal Line of Credit”,”url”:”https://www.valuechampion.sg/best-personal-line-credit”,”value”:”personal-line-of-credit”},{“label”:”Student Loans”,”url”:”https://www.valuechampion.sg/best-education-loan”,”value”:”student-loans”},{“label”:”Education Loan for Studying Overseas”,”url”:”https://www.valuechampion.sg/best-overseas-education-loan”,”value”:”education-loan-for-studying-overseas”},{“label”:”Renovation Loans”,”url”:”https://www.valuechampion.sg/best-renovation-loan”,”value”:”renovation-loans”}]} In the past decade the cost of getting married in Singapore has steadily risen. We have observed that this trend continued again in 2019, with average banquet prices increasing faster than inflation. Here, we explore this trend as well as some of its potential causes. Study Highlights: Banquet prices continued to increase in 2019 compared to 2018 (up 2.6% overall, faster than inflation of...

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How Much Does it Cost to Visit the World's Best Restaurants?

Get the Best Travel Insurance in Singapore {“applyCallToAction”:”Learn More”,”defaultSelectedItem”:””,”description”:””,”formType”:”travel-insurance”,”title”:”Get the Best Travel Insurance in Singapore”,”options”:[{“label”:”Travel Insurance”,”url”:”https://www.valuechampion.sg/best-cheap-travel-insurance”,”value”:”travel-insurance”},{“label”:”Annual Travel Insurance”,”url”:”https://www.valuechampion.sg/best-cheap-annual-travel-insurance”,”value”:”annual”},{“label”:”Travel Insurance Promotions”,”url”:”https://www.valuechampion.sg/best-travel-insurance-promotions-discounts”,”value”:”promotions”},{“label”:”Travel Insurance for Sports”,”url”:”https://www.valuechampion.sg/best-cheap-travel-insurance-sports”,”value”:”sports”},{“label”:”Travel Insurance for Families and Groups”,”url”:”https://www.valuechampion.sg/best-cheap-travel-insurance-families-groups”,”value”:”families-and-groups”},{“label”:”Travel Insurance for Seniors”,”url”:”https://www.valuechampion.sg/best-cheap-travel-insurance-seniors”,”value”:”seniors”}]} Singapore already has a great food scene, with a total of 39 Michelin-starred restaurants and hawker stalls sure to satisfy even the most discriminating foodies. But Singaporeans aren’t interested in just their own cuisine. In fact, it is becoming a trend with some travellers to seek out unique and novel experiences, including food. So how much would a vacation to a destination hosting one of the best restaurants...

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3 Instances When Another Driver's Mistakes Will Cost You

Get the Best Car Insurance in Singapore {“applyCallToAction”:”Learn More”,”defaultSelectedItem”:””,”description”:””,”formType”:”car-insurance”,”title”:”Get the Best Car Insurance in Singapore”,”options”:[{“label”:”Car Insurance”,”url”:”https://www.valuechampion.sg/best-cheap-car-insurance”,”value”:”car-insurance”},{“label”:”Car Insurance Promotions”,”url”:”https://www.valuechampion.sg/best-car-insurance-promotions-discounts”,”value”:”promotions”},{“label”:”Car Insurance for New Drivers”,”url”:”https://www.valuechampion.sg/best-cheap-car-insurance-young-inexperienced-drivers”,”value”:”new-drivers”},{“label”:”Car Insurance for Used Cars”,”url”:”https://www.valuechampion.sg/best-cheap-car-insurance-used-coe-cars”,”value”:”user-cars”},{“label”:”Car Insurance for Luxury Cars”,”url”:”https://www.valuechampion.sg/best-cheap-car-insurance-luxury-cars”,”value”:”luxury-cars”},{“label”:”Car Insurance for Families”,”url”:”https://www.valuechampion.sg/best-cheap-car-insurance-families”,”value”:”familes”}]} Imagine that you got into a car accident, or your car was damaged and now you are left with multi-thousand-dollar repair and hospital bills. Imagine now, that you file a claim against the driver who hit you and their insurer comes back to tell you that your claim against them has been rejected. Unfortunately, these kinds of accidents can—and do—happen. Below, we discuss three times your...

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3 Travel Gadets You Can Get to Never Lose Valuables Again On a Trip

Get the Best Travel Insurance in Singapore {“applyCallToAction”:”Learn More”,”defaultSelectedItem”:””,”description”:””,”formType”:”travel-insurance”,”title”:”Get the Best Travel Insurance in Singapore”,”options”:[{“label”:”Travel Insurance”,”url”:”https://www.valuechampion.sg/best-cheap-travel-insurance”,”value”:”travel-insurance”},{“label”:”Annual Travel Insurance”,”url”:”https://www.valuechampion.sg/best-cheap-annual-travel-insurance”,”value”:”annual”},{“label”:”Travel Insurance Promotions”,”url”:”https://www.valuechampion.sg/best-travel-insurance-promotions-discounts”,”value”:”promotions”},{“label”:”Travel Insurance for Sports”,”url”:”https://www.valuechampion.sg/best-cheap-travel-insurance-sports”,”value”:”sports”},{“label”:”Travel Insurance for Families and Groups”,”url”:”https://www.valuechampion.sg/best-cheap-travel-insurance-families-groups”,”value”:”families-and-groups”},{“label”:”Travel Insurance for Seniors”,”url”:”https://www.valuechampion.sg/best-cheap-travel-insurance-seniors”,”value”:”seniors”}]} Travelling is almost always fun and exciting, until you lose something. When we are trying to enjoy ourselves with the limited time we have during our vacations, losing our luggage, passport, wallet or phone can quickly ruin the whole experience by causing an extreme amount of inconvenience and stress. Of course, having a great travel insurance policy can help mitigate your losses if such a situation ever surfaces....

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5 Ways to Be Better off Financially in 5 Years

According to a recent survey by Nielsen, approximately half of Singaporeans believe that they are better off financially in 2018 than they were 5 years ago. To help our readers achieve their own financial security in the coming years, we’ve listed some of the best ways to get to a better place financially by 2024. Consider Refinancing Your Home Loan For homeowners, your home loan may seem like a significant cost that is set in stone. However, this large financial burden may actually offer a great route for improving your finances over the next few years. In order to...

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4 Things Private-Hire Drivers Can Do to Maximise Their Returns

Get the Best Car Insurance in Singapore {“applyCallToAction”:”Learn More”,”defaultSelectedItem”:””,”description”:””,”formType”:”car-insurance”,”title”:”Get the Best Car Insurance in Singapore”,”options”:[{“label”:”Car Insurance”,”url”:”https://www.valuechampion.sg/best-cheap-car-insurance”,”value”:”car-insurance”},{“label”:”Car Insurance Promotions”,”url”:”https://www.valuechampion.sg/best-car-insurance-promotions-discounts”,”value”:”promotions”},{“label”:”Car Insurance for New Drivers”,”url”:”https://www.valuechampion.sg/best-cheap-car-insurance-young-inexperienced-drivers”,”value”:”new-drivers”},{“label”:”Car Insurance for Used Cars”,”url”:”https://www.valuechampion.sg/best-cheap-car-insurance-used-coe-cars”,”value”:”user-cars”},{“label”:”Car Insurance for Luxury Cars”,”url”:”https://www.valuechampion.sg/best-cheap-car-insurance-luxury-cars”,”value”:”luxury-cars”},{“label”:”Car Insurance for Families”,”url”:”https://www.valuechampion.sg/best-cheap-car-insurance-families”,”value”:”familes”}]} Becoming a private-hire driver can be an enticing proposition for individuals who want to make money on their own schedule. However, because car ownership in Singapore is expensive and private-hire companies take commission from your earnings, you may end up with less cash than you expected at the end of the month. To combat this, there are things you can do to keep your spending low...

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6 Hidden Costs of Home Renovation & How to Avoid Them

Given the high cost of home renovations in Singapore, homeowners want to be sure that they don’t incur unnecessary expenses and aren’t surprised by additional costs once they finish renovating. In order to help these individuals, we’ve identified potentially costly issues that homeowners should be cognisant of before they decide to renovate. Last Minute Changes To the extent that it is possible, it is important to avoid making last minute changes to your renovation plans. Besides creating a headache for your contractor, you can increase the total cost of your project beyond its original quote. For example, a seemingly...

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