Author: ValueChampion

The Top 5 Reasons Employees Leave & How SMEs Can Retain Their Best Workers

As a director of an SME, it is essential to recruit and retain talented employees in order to grow your business. Unfortunately, it is not uncommon for these workers to move on to other job opportunities. In fact, approximately 46% of employees in Singapore intended to leave their current job within the next year, higher than any other country in Asia-Pacific. This leaves small business managers wondering: why do employees leave and what can be done to keep them? Seeking a Higher Salary A study by Payscale estimates 25% of departures were driven by the motivation of a higher...

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Why Treating Yourself Can Save Money When You're Expecting a Child

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”}]} If you’re expecting a child, chances are your expenses are already high. From doctor visits to preparing for your newborn child, you might feel pressured to cut your spending elsewhere. Surprisingly, this can actually be an expensive choice in the long run. By relaxing your budget and treating yourself, you may actually be able to save in the long run. Getting Stressed Out Can Be Physically & Fiscally Costly Pregnancy is a time of substantial hormonal change. Cortisol–commonly known as...

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Thinking of Buying Your First Home? Don't Forget About These 5 Expenses When Creating Your Budget

When you’re putting together a budget to estimate location, size and type of home you plan to purchase, it’s tempting to structure your search based on list prices. While this represents the most significant cost of becoming a homeowner, it is just one of many that you’ll have to consider when purchasing your first home. Therefore, some prospective home buyers may need to adjust their expectations and budget in order to account for these various expenses. Home Loan Payments First-time homebuyers are only required to put as little as 5% cash down for their purchase, assuming they have a...

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With Interest Rates at a 10-Year High, Is It Still Worth Refinancing Your Home Loan?

In Singapore, it is common for homeowners to refinance their home loans every few years in order to secure the lowest available interest rates. However, in the past few months SIBOR rates have reached their 10-year high, which might worry those homeowners that may be considering refinancing their loans. In this article, we present key factors for these individuals to explore when considering whether they should refinance in current interest rate environment. Why Refinance in the First Place? Individuals that have passed the lock-in period of their home loan may want to refinance their mortgage in order to obtain...

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Which K-Pop Girl Group Wears the Most Expensive Outfit?

While you shouldn’t judge a book by its cover, outfits matter a lot when it comes to gauging a K-Pop group’s commercial success, as they can serve as a good indicator of the group’s popularity. We analysed three of the top girl groups from Korea’s entertainment giants (SM, JYP, and YG) and estimated the cost of these groups’ outfits as featured in their latest music video releases. Blackpink’s Outfits Are By Far the Most Expensive Blackpink of YG Entertainment features the most outlandish set of sponsored outfits, with their Top 5 clothing items totaling upwards of S$80,000. That means...

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Have a CIMB Credit Card? Here's How Your Benefits Are Changing Next Month

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”}]} Lately, there have been quite a few shake-ups in the rewards structures for credit cards across the market. Issuers like UOB, Citi and more have adopted new programmes and policies that have seemingly boosted value for consumers. In fact, CIMB itself just finished overhauling its World MasterCard, improving benefits for affluent cardholders (especially those who love golf and entertainment). However, the dust has yet to settle. As of June 2019, CIMB’s Visa Signature and Platinum MasterCards will change dramatically–do you...

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League of Legends Players: How Much Money Could You Theoretically Spend?

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”}]} Gaming has become increasingly popular, especially in Singapore where the average gamer plays more than 7 hours daily. Many play League of Legends, one of the most popular and successful games in recent times. Though the game is free-to-play, some players end up spending money to buy “skins” and other in-game purchases. We calculated to see how much money is needed to require own all champion skins. How Do In-Game Purchases Work and What is the Currency Worth? League of...

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4 Affordable Ways to Prevent Medical Emergencies On Your Next Holiday

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 June holidays coming up, families all over Singapore are gearing up to take a well-deserved mid-year trip. With travel trends ranging from exploring new destinations to partaking in adventurous activities like hiking, travelling families may be venturing out of their comfort zone. However, while travel is sure to bring plenty of new experiences, it is also important not to throw caution to the wind, especially when...

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Buying or Leasing a Car: Which One is Cheaper?

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”}]} While the status quo of transportation in Singapore is public transport, cars still make up a considerable portion of travel. But cars are no affordable alternative to public transportation as purchasing a car often requires a six-figure commitment. Thus, many people consider leasing rather than purchasing a vehicle. However, while leasing a car requires lower up front costs and peace of mind regarding maintenance and insurance,...

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Uber's Global “Alliances”: Frenemies That Cloud Uber's Prospects

Since Lyft’s IPO and the precipitous drop in its stock price, many investors have been quite concerned about Uber’s upcoming IPO. To be fair, Uber has made a number of maneuvers to improve its profitability, and its newly lowered valuation could help appease some of these concerns. In particular, Uber has famously exited its business in China, SE Asia and Russia in order to cut its losses; and in return for selling its local businesses, it received equity stakes in its competitors, forming somewhat of an alliance with Didi Chuxing in China, Grab in SE Asia and Yandex.Taxi in...

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Is Free Shipping Actually Free?

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”}]} If you’re like most online shoppers, having to pay shipping fees on top of the original item price can be extremely frustrating. While there’s quite a few ways to access free shipping in Singapore, the actual value provided can be quite different. We’ve reviewed the actual cost of several free delivery options in Singapore to determine which really offers the best savings. Standard “Free” Shipping Can Come at a Cost Sellers on most eCommerce marketplaces, including Lazada and Qoo10, offer...

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Is Your Last Purchase Worth More, Now That It's Yours?

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”}]} The concept of depreciation is fairly well-known; most people accept that many goods (cars, electronics, furniture and more) tend to lose value over time. That being said, there are also a few items that tend to gain worth, like houses or fine art. But what about everyday purchases? The answer depends on your perspective. Here’s how the role of ownership plays into consumer behavior and valuation of goods. Ownership Boosts Value…From the Owner’s Perspective According to what’s commonly called the...

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Honeymoon vs. 'Solomoon': Would Travelling Separately Save You Money?

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”}]} For many, the honeymoon is the best part of their wedding celebration. After months of stressful planning, the chance to recharge with your spouse is an ideal time to reconnect and spend quality time. However, a new and somewhat controversial concept that the New York Times dubbed as the ‘solomoon’ has started gaining momentum. This is the practice of newly married couples taking separate vacations, abandoning the traditional...

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Why Learning to Cook is More Expensive Than You'd Think

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”}]} It’s commonly believed that cooking at home will save you money. In fact, a recent study by Priceonomics reported that it’s 5x more expensive on average to order delivery from a restaurant than to cook at home. However, this message may be a bit misleading. Costs of overhead, food waste, and personal time are not considered–which can all have a big impact, especially for inexperienced cooks. In reality, learning to cook at home can be quite expensive–but is it more...

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5 Ways Millennials Can Prepare for a Recession

After several years of bull markets, and economic declaration in some major economies, some economists fear that a global recession may be looming. Recessions are expected from time to time, but that does not provide much solace for those that fear taking investment losses or even losing their jobs. For younger adults, the great recession left a strong impression of the effects of an economic downturn. How can these individuals better prepare themselves for the next global recession? When It Comes to Your Retirement, Avoid Rash Investment Decisions With strong financial markets in recent years, it may be tempting...

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