Author: ValueChampion

Pregnancy Complications & MediShield Life: What the New Coverage Means for Singaporean Women

Financial relief is coming soon to women who are at risk of having childbirth complications. Starting in April, MediShield Life will cover 24 pregnancy and childbirth complications According to Edwin Tong, the Senior Minister of State for Health, as many as 4,000 patients per year will benefit from these changes. In this article, we investigate what this news means for expectant mothers and how it could impact them financially. What Conditions Will Be Covered & How Common Are They? A total of 24 pregnancy-related conditions will now be covered under MediShield Life. These conditions include some common complications such...

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Wine Subscription Services: Are They Really Saving You 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”}]} Wine’s popularity in Singapore has soared through the sky in the past few years. In just 10 years, wine consumption in the country has grown by more than 5x from $187mn in 2008 to well over $1bn 2018. Now, with the rise of “subscription economy,” companies like WineMasons and the French Cellar are offering subscriptions that provide a convenient access to new, good quality wines that can be hard to find in Singapore. However, are they really good value for...

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5 Ways to Make Customer Experience a Priority for Your SME

Regardless of what type of business your small business conducts, customer service should always be a top priority. Research from PwC, a consultancy, revealed that approximately 42% of consumers would pay more for a “friendly, welcoming experience”. The report also estimated that positive customer experience could result in a price premium of up to 16%, which is a clear motivation for all businesses. With that said, we’ve highlighted a few ways that your SME can improve its customer experience. Track Your Business’s Progress Customer experience can often seem abstract and intangible. To address this issue, it is important to...

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Spring Cleaning for Your Personal Finances

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 spring, many of us make time to clean our homes in an attempt to create a fresh start and feel more organised. It’s also a great time to take stock of your personal finances and envision financial goals for the coming year. Here are some tips to help you with this process. Organise & Prioritise Your Personal Budget Regardless of your financial...

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Traveling with Tots? 4 Ways to Save When Vacationing with Children

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”}]} Once your family increases in size, you may feel like you may not be able to afford the holiday trips you used to. However, you can still manage your holiday trips abroad without taking too much of a hit to your usual travel budget. Usually, children get discounts on attractions and flights, and can generally be impressed for less. Below, we discuss a few financial hacks that you...

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Are Fitness Subscriptions Really Worth It?

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”}]} Fitness classes are have become an exciting alternative to the monotony of going to the gym to work out. Individuals, young and old, flock to yoga, barre, HIIT and cycling classes in droves. Companies, like ClassPass, have taken advantage of this trend and now offer monthly subscriptions that allow these users to try a wide variety of classes. How much do these subscription-based fitness memberships cost? And do they actually save you any money? How Much Do KFIT & ClassPass...

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4 Ways to Save on Braces in Singapore

As far as physical improvements go, braces have become a rite of passage for most people. They do more than just improve your smile, braces can also improve a variety of health problems ranging from breathing issues to dental issues caused by teeth overcrowding or a poor bite. However, they are still quite expensive, as some types of braces can cost upwards of S$10,000. Because you can’t use Medisave, Medishield Life or Integrated Shield plans to cover the cost of braces, you will be responsible for bearing most of the cost yourself. To help make braces a more financially...

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Top 5 Unique Honeymoon Destinations for Millennial Newlyweds

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”}]} Millennial travellers are different than their predecessors in that they strive to break free from traditional travel activities, are willing splurge on hotels but save on budget airlines and value a good deal. Thus, it makes sense that honeymoon destinations millennial Singaporean newlyweds would be novel and unique as opposed to traditional destinations. Below, we looked at some of the trending honeymoon destinations and how much they will...

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Game Theory Behind Lyft's IPO: Implications for Uber, Didi & Ola

Since Lyft publicly released its much anticipated IPO filings on Friday March 1st 2019, many pundits have weighed in on its growth rates, heavy losses and future prospects. However, there are a number of insights hidden between the lines that we can dig from Lyft’s filings. Here, we dive more deeply beyond Lyft’s financials to delve into the true motivation behind Lyft’s IPO that potential investors should heed, and subsequently lessons for other ridesharing companies like Uber, Didi Chuxing in China and Ola in India. IPO to Cash Out, Not to Raise Capital to Compete Typically, companies list their...

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How Much Can You Save by Ditching Cable and Switching to Streaming Services?

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”}]} With the arrival of online streaming services such as Netflix and Amazon Prime Video, consumers have the option to watch movies, television shows and even live events without having to pay for a cable television service. This is an exciting prospect for many prospect for many Singaporeans. But how much could you really save by “cutting the cord”? Streaming Services Give Consumers Alternatives to Cable Television Across the world streaming services have become an increasingly common form of entertainment, while...

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ValueChampion Student Interview Series: Yuta Morita, MBA Candidate, SMU

To continue our student interview series, we interviewed SMU Master of Business Administration (MBA) candidate Yuta Morita. After working for more than a decade in Japan decade in corporate banking and real estate, Yuta took advantage of an APEC Scholarship that covers his tuition, flights and living expenses. The scholarship, which is funded by the Singapore Ministry of Education allowed him study at SMU and to build skills to someday start a peer-to-peer lending related company. What influenced you to pursue the SMU MBA? What excites you intellectually? One of my career aspirations is to start my own business....

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5 Tips for Homeowners for the 2019 Housing Market

After a sharp uptick in private property prices, Singapore’s government introduced cooling measures in July of 2018 in order to keeping home prices in line with economic fundamentals. Meanwhile, the HDB housing market has also cooled off in the past few years. What does the housing market have in store for 2019? Only time will tell, but in this article we’ve outlined a few key factors to monitor. Additionally, we reached out to Saxo’s Singapore-based, Global Macro Strategist, Kay Van-Petersen in order to help provide helpful insights for current and prospective homeowners that may want to buy or sell...

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Singapore's Gender Wage Gap Widened in 2018

Singapore’s economy is a world leader in many respects. However, one aspect for improvement is gender wage equality, which actually widened in 2018. In this study, we used data from the Ministry of Manpower and other publicly available sources in order to try to better understand Singapore’s gender wage gap. Study Highlights Singapore’s gender wage gap increased in 2018, with the median monthly wage for women representing 88% of men’s in the country (91% in 2017) The gap was widest in the health & social services (62%), manufacturing (77%), accommodation & food services (78%), information & communications (79%) and...

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Demystifying Grab Subscription Plans with Numbers: Complete Guide to Picking Best One for You

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”}]} Grab’s new subscription plans have been making headlines everywhere, and at first glance they seem to be all quite valuable. Costing anywhere from S$7.99 to S$109 per month, they are also advertised with “instant” savings of S$21 to S$91. However, the conditions of these savings actually make some of them way more attractive than others for vast majority of Grab customers in Singapore. Below, we analyse the dynamics and decision points around Grab subscription plans to help you find the...

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Trendiest Girls' Getaways for 2019

You’ve travelled with your honey for Valentine’s day and you went on a weekend getaway with your family for CNY—but what about travelling with your girlfriends? Going on holiday with your best friends can be a great way to reconnect and unwind at the same time. With trending destinations for 2019 ranging from tried and true cities such as New York and Tokyo to up and coming cultural and reflective destinations like Bhutan, there are plenty of options to choose from for the female traveller. Not only are these destinations on jet setter’s travel wish lists, but they have...

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