Author: ValueChampion

4 Seemingly Harmless Things That Can Flag You for Insurance Fraud

Insurance is supposed to protect you in the event of emergencies, but sometimes people think of it as a way to get “free cash.” The most evident example of this in Singapore is car accident insurance fraud, which has doubled in recent years. Besides motor insurance fraud, travel and personal accident insurance have also seen their fare share of fraudulent claims. But how do insurers detect fraud? There are actually a number of factors that insurers mark as red flags when considering claims. While some investigations point to simply criminal actions like staging accidents, other instances are much more...

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How Much Does it Cost to Study at the World's Top Medical Schools?

With the increased enrollment in local medical schools, the Ministry of Health (MOH) and Singapore Medical Council (SMC) have limited the list of approved international medical schools from 160 to 103. Given that many medical schools overseas are quite attractive given their reputations and prospects for earning potential. How Much Does it Cost to Attend the World’s Top Medical Schools? We estimate that it costs approximately S$470,000 on average to attend one of the world’s top medical schools. This figure includes tuition, fees and housing costs. However, based on the varying curriculum structures of medical schools, it is necessary...

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3 Affordable Alternatives for Pampering Your Mom this Mother's Day

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”}]} Mother’s Day is widely considered one of the most commercialised holidays out there–however, this is by no means a drawback! It’s easy to find special discounts on everything from flowers to fancy spa treatments. Nonetheless, many of us end up spending quite a bit even after applying these promotions. To help you truly save–and even earn rewards for your spend–we’ve identified 3 affordable alternatives for pampering your mom this Mother’s Day. 1. Give a Lasting Gift like a Potted Plant...

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4 Ways Insurers Utilise Technology to Make Your Life Easier

Whether it’s being able to book a flight from your phone to getting your food delivered at any time of day, technology has no doubt made our lives easier. Insurers are also starting to take advantage of emerging technology to improve traditionally complex and lengthy customer service experiences. For instance, while the traditional method of buying an insurance policy would require an in-person visit, you can now buy policies with the click of a mouse. Furthermore, with the introduction of insurance apps you can quickly file a claim on the go rather than waiting until you get home. Below,...

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Actions Speak Louder Than Words: What Warren Buffett's Balance Sheet Might Tell Us About the Market

Amidst the longest bull market in history, investors are constantly chattering about whether the market has reached its peak. While many smart people have had many smart things to say on both sides of this argument, there is a particular individual of interest who has been consistently quiet on this topic. Widely considered to be the best investor of all time, Warren Buffett is famous for not trying to predict how the market is going to behave. Given this stance, he naturally has not made much comments on whether there is a market bubble. But here, the old adage...

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Why Working During Vacation Can Cost You a Promotion

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”}]} Even with a guaranteed minimum of 7 days of paid annual leave, many Singaporeans are feeling overwhelmed by work. Coping with high expectations and a workaholic culture, about 200 workers lodge complaints with MOM each year regarding “excessive working hours.” Even more, about 36% of workers put “more holidays and annual leave” as their top priority at the workplace (excluding pay raises). Perhaps the biggest issue is that vacations aren’t being fully utilised–if you’re taking shorter breaks and bringing work...

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Traveller Advisory: What Do You Do If An Airline Shuts Down?

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”}]} On the back of Iceland’s budget airline WOW Air’s shutdown, India’s Jet Airways has declared bankruptcy with plans to shut down fully in the coming weeks. Its last flight was April 17, 2019, leaving passengers wondering what they are to do if they have booked future flights with the airline. Unfortunately, airline bankruptcies aren’t as rare as may seem, with at least 15 airlines shutting down in the...

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3 Ways Sleep Deprivation is Costing You Money

In a recent survey by Philips, Singapore emerged as one of the top cities that is troubled by a persistent lack of sleep. Averaging 6.4 hours of sleep per night, Singaporeans sleep almost 2 hours less than the daily recommended amount. A majority of participants cited that their lack of sleep is due to stress. This makes sense considering that Singaporeans work some of the longest hours in the world, have a competitive academic culture and experience very high costs of living. However, it is not that Singaporeans are unaware that a lack of sleep is unhealthy—some Singaporeans simply...

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4 Ways to Live a More Sustainable Lifestyle on Any Budget

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”}]} Earth Day is a great chance to raise awareness about environmental issues as well as to commit to making positive changes in our own lives in order to protect the natural world. Interested in learning how you can make positive changes without breaking the bank? In this article, we provide a few easy ways to reduce your environmental footprint depending on your budget. Eat...

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Who Benefits the Most from Starbucks's New Rewards Programme?

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 an avid coffee drinker, you may have already heard about the changes to Starbucks’s new Rewards Programme. In fact, even though the changes were implemented just earlier this week, frustrated customers all over the world are already kicking up a storm. But even as the new programme may seem like a second-rate deal on its face, it may actually benefit a large group of people. We’ve closely analysed the new Starbucks’s Rewards Programme below, so you can make...

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How to Plan an Unforgettable Date Using Credit Card Perks

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”}]} Dating is expensive, especially when expectations are high! But regardless of your budget, you can plan an extraordinary first date that’s both impressive and affordable, just by applying the right discounts and credit card perks. We’ve identified the best ways to save on 4 popular dates, so you can focus on your romantic evening rather than how far you’re spending over-budget. The Casual Coffee Date Maybe you’re meeting for the first time, and you’re not quite ready for a long,...

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Coffee–The Best Drink for Workplace Success?

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”}]} Singapore may not be known as one of the world’s top coffee consumers (36th on the global list, averaging just 0.38 cups per day), but an impressive 62% of Singaporeans say they regularly consume coffee–almost double the number who regularly drink bottled water (36%)! Whether you’re someone who only occasionally partakes–or are questioning the benefits of your coffee habits–you may want to consider these surprising ways in which coffee can impact your success at work. Drinking Coffee Boosts Trust, Fosters...

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4 Ways That Understanding Your Cognitive Biases Can Save You Money

Even the wisest among us have our weaknesses. Often these weaknesses take the form of cognitive biases, which prevent us from identifying areas for positive changes in terms of our personal finances. In this article, we’ve outlined some examples of these biases to help you from wasting your own money. Diminishing Sensitivity & Refinancing Your Home Loan First, consider the phenomenon of “diminishing sensitivity”, which suggests that we are less responsive to changes the further they are from a reference point. Wharton School at the University of Pennsylvania professor Jonah Berger, describes this well in his book “Contagious: Why...

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What is the State of Mental Health in Singapore?

Singapore has one of the best healthcare systems in the world, along with some of the healthiest citizens. But how is the healthcare system performing in terms of mental health? The recently released Singapore Mental Healthy Study conducted by the Institute of Mental Health, gave us important insights. However, it is also important to consider mental illness in Singapore through a historical and global lens to get a clearer understanding of how Singapore’s mental illness landscape is evolving. Our study aims to answer this issue by focusing on what kind of mental illness is most prevalent in Singaporeans and...

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Are Meal Subscription Plans Worth the Cost?

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 looking for easy lunch and dinner alternatives, you may have already considered getting a meal subscription–a plan offering meal ‘credits’ at a fixed cost, which can be used at select restaurants nationwide. But before making the jump–are these plans really as convenient and cost effective as they seem? We’ve evaluated Singapore’s subscription plans to identify how they truly measure up to more traditional options. Only Two Competitive Plans on the Market While meal subscription services aren’t necessarily new...

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