Author: ValueChampion

Glow-Up for Less: Affordable Alternatives to Invasive Cosmetic Surgery

Plastic surgery has become fairly commonplace in Singapore, with even seniors going under the knife to make themselves feel and look their best. However, because traditional cosmetic surgery can cost several thousands of dollars, not everyone can afford these treatments. Luckily, newer procedures have shown to produce similar results to popular invasive cosmetic surgeries at much lower costs, making it more affordable for the average person. If you are going to make 2019 the year of both prudent money management and your glow-up, keep reading to find out the affordable alternatives to traditional cosmetic surgery. Alternatives to Traditional Liposuction...

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Ethical Living Without the Premium: 3 Affordable Ways to Make Your Home More Sustainable

Singapore is not new to sustainable and green living. Furthermore, as it strives to reduce waste and emissions, citizens have also started integrating sustainability in their personal lives via waste reduction and ethical shopping. Sustainable and ethically sourced design is one home decor trend that effortlessly combines style with mindfulness. With that said, as sustainable furniture stores are popping up across Singapore, a couple of questions come to mind. How affordable is the furniture? And if it isn’t affordable, what are the cheaper alternatives to making your home and daily life more sustainable? Sustainable Furniture Can Be More Than...

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You're Not Too Young: 4 Financial Steps You Should Take in Your 20's

Your twenties are a time for exploration, growth and forming lifelong relationships. It makes sense that at this age, you hardly want to think about tacking on expenses or prepping for the worst-case scenarios. However, forming forward-thinking financial habits and investing in comprehensive protection when you are still young can help you get a head start to a more financially secure future. Below, we discuss 4 financial decisions that you may think you’re still too young to make, but can actually benefit you from an early age. Consider Stock Market or Real Estate Investing Investing in the stock market...

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3 Reasons Your Startup Should Hire an Intern

Growing a small business can be an arduous endeavor. Not only do business owners need to create, market and sell their product, they need to bring on the right people to their team in order to achieve their long-term goals. At the same time, money can be tight when startups are just getting off the ground. For this reason, hiring interns can be an attractive prospect for employers seeking to build a relatively inexpensive team. Here, we examine when it makes sense for startups and other small businesses to bring on interns and when they might be better off...

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Fine Wine, Art & Luxury Bags: Are These Alternative Investments Worth the Cost?

So you’ve finally paid off all your debt or you got a generous annual bonus, leaving you with extra cash in your bank account. You are debating whether to invest or save it, but at the same time, you also want to get a treat for all your hard work. If thinking about traditional investments such as stocks, bonds and real estate makes your eyes glaze over, you can consider unconventional methods such as art, couture and luxury items, furniture and even wine. These investments can also double as great additions to your home or closet while you wait...

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Should You Share Your Credit Card Account with Your Partner?

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”}]} For both long-term couples and newlyweds, there has been an unending debate around whether consolidating their finances is ultimately a good move or not. Certainly, this is a very complex issue involving various factors and preferences that are emotional and practical, neither of which can be disregarded as “unimportant.” While sharing a credit card could be seen both as a nice gesture, it could also be regarded as the first step onto a slippery slope. In terms of emotional aspects...

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Affordability Crisis? How Expensive Has Singapore Truly Become?

Even in Singapore and other countries with strong economies, affordability of goods and services is often a major concern. In some instances, the cost of living can become unbearable in booming cities. On the surface, the cost of living has not increased dramatically in Singapore. In fact, the core inflation rate in Singapore has averaged a reasonable 1.7% since 1990 and has been very stable except during years around the financial crisis. That being said, there is more to this story than meets the eye. For example, some parts of life in Singapore have become increasingly expensive while others...

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TikTok's Rise: What Does It Mean for Facebook and Snapchat?

TikTok’s viral growth has been superbly impressive. But what does its success mean for more established competitors like Snapchat and Facebook’s Instagram? We’ve analysed the latest download trends to assess potential outcomes. Duckju Kang – February 6, 2019 Tiktok’s huge rise in popularity is no secret. In fact, it has been so successful in gaining users that its owner Bytedance overtook as the most valuable startup in the world only a few months ago. However, what might be less fully appreciated is just how much impact TikTok could potentially have on more established social networks like Facebook, Instagram and...

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5 Uncomfortable Financial Conversations You Must Have with Your Loved Ones

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”}]} It can be awkward or even painful to have tough financial discussions with your loved ones. However, avoiding these conversations can be disastrous for your relationships and financial future. In this article we aim to outline these important conversations to help you conceptualise them and to eventually broach these conversations. Get on The Same Page Financially Before Getting Married Getting married requires you to...

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Top Valentine's Day Getaways for Any Budget

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”}]} Valentine’s day is right around the corner and if you still don’t know what to get your partner for gift, why not consider a weekend getaway? While material goods may be great for shorter-term happiness, it has been shown that experiences can bring longer-term happiness. Thus, what better way to celebrate your love for each other than to gift each other an experience you’ll always remember, away from...

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ValueChampion Student Interview Series: David Djapri, MSA – MSc in Accounting Candidate, SMU

Already an experienced accounting professional, David Djapri decided to pursue a MSA – MSc in Accounting degree at SMU in order to build invaluable data analytics skills. In his 8 years of working experience, he felt that there was a need for employees that could work in analytics while also having a deep understanding of the core operations of a business. Furthermore, David’s strong academic record and entrepreneurial spirit also earned him a full-tuition scholarship for his degree programme. What influenced you to pursue the SMU MSA? What excites you intellectually? Last year, I chanced upon an article by...

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Apple, a Service Company? Here Are Companies Apple Should Invest in to Achieve This Goal Better

One of the phrases that Apple’s executives repeat regularly is that they are focused on “making the world’s best products and enriching people’s lives.” However, its latest quarterly earnings seems to be signaling that this business model of creating great products might be reaching its ceiling. Of course, China’s slowdown surely seems significant enough to have impacted Apple’s sales. But, Tim Cook also alluded to the fact that consumers are beginning to upgrade their smartphones more slowly. If this sounds familiar, it’s exactly what happened to PCs and TVs: as product innovations become less significant, consumers don’t feel compelled...

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Thinking of a Last Minute CNY Trip? Here are the Cheapest Dates to Fly

The Lunar New Year is just around the corner and while some have had their travel plans planned for months, others may have just only gotten the green light for a long weekend holiday and are now hoping to score a last-minute deal. Unfortunately, last minute deals can come with their own caveats such as blackout dates or less desirable destinations. However, there are still ways to save money while celebrating in your destination of choice. Below, we found the cheapest and most expensive days around the CNY holiday to some of the most popular travel destinations. For the...

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Want to Get Fit in 2019? Here Are the Most Expensive and the Cheapest Sources of Protein

Getting fit is one of the most popular new year’s resolutions. However, achieving this goal often proves to be quite difficult. While regular exercise, consistent caloric deficit and high protein consumption are 3 of the most important rules of getting fit, sticking to a rigid diet and exercise regiment tends to test our willpower. Not only that, with the average cost of gym memberships ranging around S$200 per month, it can also be quite tough on our wallets. Saving on the gym membership could be rather simple; afterall, you can always opt to work out at home or go...

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How Can Parents Save in Face of Rising Education Costs in Singapore?

The rising cost of education is becoming increasingly problematic for families in Singapore that simply want their children to have the opportunity at a great education. In the last decade, the cost of education in Singapore has increased 21% faster than core inflation, which suggests that schooling is becoming more costly faster than other aspects of life in an already expensive place. In this article, we highlight some ways that parents can reduce the cost of their children’s education without cutting corners. Plan Ahead for This Investment The sheer amount that it costs to educate a child from primary...

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