MoneyDigest - Personal Finance, Lifestyle, Money Saving Tips

Top 3 Value-for-Money Maths Tuition Centres in Singapore

Singapore’s education system is renowned for its rigor, presenting a challenge for students and parents alike. In this pursuit of academic excellence, parents often turn to tuition centres to provide additional support, particularly in subjects like Mathematics.

With over 100 maths tuition centres across the island, choosing the right one can be daunting. To aid in this decision-making process, here are three top-notch options:

DEBBIE’S LEARNING COVE

Named after its founder, Mrs. Debbie Wong, a former government scholar who earned her First Class Honours and Masters in Mathematics Degree from the University of Cambridge, UK, Debbie’s Learning Cove is committed to nurturing mathematical excellence since its establishment in 2014.

Classes are kept small, with 6 to 15 students per session, facilitating personalized attention and fostering a conducive learning environment. Students benefit from high-quality learning materials and challenging worksheets designed to prepare them thoroughly for exams, including A-Levels.

Image Credits: debbielearningcove.com

FEES: S$320 to S$400 per four lessons (2 hours each) + S$30 registration fee
LOCATION: Roxy Square, #02-72, 50 East Coast Road, Singapore 428769
WEBSITE: www.debbielearningcove.com

THE MATH LAB

Established in 2002, The Math Lab has expanded to multiple locations in Singapore, offering an immersive mathematics learning experience. Their teaching team comprises university graduates and full-time educators with exceptional academic backgrounds.

Aligned with the MOE syllabus, The Math Lab provides state-of-the-art facilities, access to a library of top school practice papers, and engaging teaching methods designed for optimal learning outcomes. From small tutorial classes to group sessions, students are equipped with the tools they need to excel in mathematics.

Image Credits: themathlab.com.sg

FEES: S$420/month for 8 lessons + one-time registration fee of S$40
LOCATION: Main Office @ Farrer Road Branch, Blk 4, Queen’s Road #02-121, Singapore 260004
WEBSITE: https://themathlab.com.sg

ANDREW YAP EDUCATION CENTRE

Founded by the dynamic duo of Andrew and Jasmine Yap, both alumni of the National University of Singapore and former Mathematics mentors at prestigious institutions like Hwa Chong Institution and River Valley High School, Andrew Yap Education Centre boasts an impressive track record of success.

With over 70% of their students achieving an A in A-Levels Mathematics, the centre offers specialized programs for secondary and JC levels, as well as holiday crash courses aimed at strengthening students’ skills in challenging topics.

FEES: Vary by level and course, ranging from S$300 to S$400 per term for secondary levels and S$380 to S$400 per term for JC levels, with additional fees for crash courses.
LOCATION: Block 302, #01-1842, Ang Mo Kio Ave 3, Singapore 560302
WEBSITE: https://topmathtuition.com.sg

Image Credits: topmathtuition.com.sg

When it comes to your child’s education, investing in quality tuition is invaluable. Consider these esteemed centres to provide your child with the support they need to succeed in mathematics and beyond.

Source: 1

4 accommodations under $135/night in London, UK, if you can free yourself up over the National Day break in August 2024

Are you dreaming of an escape to London over the National Day break but find yourself fretting over the high costs of accommodation?

Worry no more!

Allow us to share with you four affordable stays, each under $135/night.

Hotel-themed private room in Clapham

Price: $110/night (for 2 persons)

Travel dates: 7 to 11 August 2024

First up on our list, we have this hotel-like escape with the comforts of home, a warm and cozy hotel-styled room in Clapham.

Sink into the super king-sized bed with a breathable memory foam mattress for the ultimate sleep experience, just 15 minutes from central London.

Curl up and binge on Netflix using the 65″ OLED 4K UHD TV, then stock the private refrigerator with all your favorite snacks and drinks.

Though this is a shared accommodation, you’re free to enjoy the communal amenities.

With Clapham Common’s green spaces and lively nightlife right at your doorstep, this is the perfect home base to start your London adventures.

Room for two in a shared townhouse in Walworth

Price: $110/night (for 2 persons)

Travel dates: 7 to 11 August 2024

Or unwind in this cozy shared townhouse in Walworth, where you will have a private room with ample storage and your own smart TV.

Beyond your personal space, enjoy full access to the well-equipped kitchen, two shared toilets, and a spacious bathroom with a bathtub.

Conveniently located on a main road, this Edwardian property puts you just steps from bus stops, a supermarket, a pharmacy, and a gym.

Start your day with a Nespresso cuppa and breakfast items provided, then head out to explore the neighborhood and beyond.

This rental space has everything you need for a stress-free stay.

Minimalist room steps away from Vauxhall Park

Price: $134/night (for 2 persons)

Travel dates: 7 to 11 August 2024

Escape the hustle and bustle of London’s city center with this minimalist room just steps away from the serene Vauxhall Park.

Centrally located, it’s a 7-minute walk to the Vauxhall underground and bus station, putting you within 15 minutes of iconic landmarks like the London Eye, Big Ben, and Oxford Street.

With 4.5 modern shared bathrooms, this space is like a mini hotel, offering your own private unit with a fridge, kettle, and microwave.

Enjoy access to the shared kitchen anytime!

Did we mention it has ranked in the top 10% of homes based on ratings, reviews, and reliability by Airbnb?

Room in a rental unit close to Larkhall Park

Price: $134/night (for 2 persons)

Travel dates: 7 to 11 August 2024

Last but not least, we have this rental room just a short stroll from the scenic Thames River.

This modernly furnished space offers comfort and convenience, making it an ideal space for business travelers or city explorers.

Rest on the plush double bed, dine at the small dining table, and entertain yourself with the included TV.

When it’s time to refresh, the shared bathroom with a relaxing bathtub is within quick reach.

With its prime location, this room offers a balance of urban exploration and peaceful retreat.

Each stay under $135 a night can offer you a space to rest your head while you plan your trip around the UK’s capital without compromising on comfort or convenience. So when you find yourself undecided between getting a hotel room or an Airbnb, remember the little money you can save to change into more pounds to spend on your trip. Bon voyage 😉

Exploring Cryptocurrency Investments in Singapore

Is cryptocurrency worth it? As digital currencies reshape finance, Singapore emerges as a crypto hub. We’ll dive into its regulatory framework, clarifying legal status, regulatory bodies, and regulations. Whether you’re seasoned or new, understanding Singapore’s rules is crucial for confident navigation.

Is cryptocurrency considered legal tender in Singapore?

While cryptocurrency isn’t recognized as legal tender in Singapore, it serves as an alternative payment method. Legal tender in Singapore is the Singapore Dollar (SGD), regulated by the Monetary Authority of Singapore (MAS).

Navigating cryptocurrency regulations in Singapore can be complex, especially with the involvement of multiple regulatory bodies like MAS and the SFC. Staying compliant is crucial, particularly when managing your tax obligations in the crypto space. If you need tax advice, visit this resource for expert guidance on GST registration and compliance in Singapore.

Do you need a license to trade cryptocurrency in Singapore? Depending on the platform’s functionality, a license may be required for trading in Singapore.

Who regulates cryptocurrency in Singapore?

Navigating cryptocurrency regulations in Singapore can seem daunting, given the involvement of multiple regulatory bodies. However, understanding their roles can provide clarity and ensure compliance with the established framework.

1: The Monetary Authority of Singapore (MAS)

As the primary regulator, MAS plays a central role in shaping and overseeing the crypto landscape under the Payment Services Act (PSA) 2019. MAS licenses businesses engaged in digital payment token (DPT) services, covering activities like operating exchanges and providing wallets. With a focus on innovation and risk management, MAS enforces strict Anti-Money Laundering (AML) and Counter-Terrorist Financing (CFT) regulations.

2: Securities and Futures Commission (SFC)

While not the main regulatory body, the SFC oversees digital tokens categorized as securities under the Securities and Futures Act (SFA). It focuses on tokens with characteristics similar to stocks or bonds, collaborating with other regulators to maintain market integrity.

3: The Payment Services Act (PSA)

Enacted in 2019, the PSA serves as the primary legal framework, ensuring a fair and safe crypto environment by mandating licenses and exemptions for specific activities.

4: Singapore Police Force (SPF)

SPF investigates and prosecutes criminal activities in the crypto space, working closely with MAS and other authorities to enforce laws and regulations, ensuring a secure financial environment.

Important Singapore Crypto Regulations governs cryptocurrency activities:

Image Credits: unsplash.com

1: Payment Services Act (PSA) Mandates licenses for various crypto activities, with exemptions for certain tokens.

2: Securities and Futures Act (SFA) Regulates tokens resembling securities or derivatives, aligning with established financial market principles.

3: Commodity Trading Act Oversees trading of asset-backed tokens, ensuring regulatory scrutiny.

4: Travel Rule Requires DPT service providers to collect and share client information during transactions, enhancing AML measures.

Understanding Singapore’s cryptocurrency regulations is essential for compliant and confident trading, especially under frameworks like the PSA and AML rules. For professional assistance with tax and financial compliance, consult this team of accountants to ensure you’re on the right track.

In conclusion, Singapore’s crypto regulation fosters innovation while ensuring stability. With oversight from MAS, SFC, and SPF, investors can engage confidently. Staying informed and compliant is key for maximizing your crypto journey.

Sources: 1 & 2

4 travel-friendly irons/steamers under $75 so you can look neat 24/7

Wrinkled clothing is a universal nuisance for travelers.

But fear not, there’s no need to look less than sharp when you’re on the move.

We’ve rounded up four travel-friendly irons/steamers that will keep your attire crisp before you step out the door.

Newbealer Dual Voltage Travel Iron (Steam)

Price: $47.76

Tackle your travel wrinkles with the Newbealer Dual Voltage Travel Iron.

This iron comes with three precise temperature settings, ensuring optimal care for every fabric from silk to polyester.

Despite its petite 1oz water tank, the powerful steam functionality will keep you pressing for 5-8 minutes at a time.

The front’s pointed arc design makes quick work of small areas like buttons and collars.

And with a max temp of 160℃ in just 50 seconds, this iron doubles as a handy mini heat press.

The included silicone rest, travel pouch, and measuring cup make this the ideal ironing companion for your on-the-go lifestyle.

Newbealer Travel Iron (No Steam)

Price: $50.27

Or meet your new travel alternative: the Newbealer Travel Iron.

This compact iron shines with its diamond-coated ceramic soleplate that heats up in just 2 minutes to a toasty 150℃.

Dual-voltage capabilities let you iron anywhere in the world, while the featherlight design slips seamlessly into any suitcase.

A handy travel pouch, spray bottle, and silicone rest make this mini marvel a must-have for wrinkle-free adventures.

No more rumpled shirts or creased slacks—just sleek, polished style wherever the road takes you.

The Quilted Bear Mini Iron

Price: $54.85

The Quilted Bear Mini Iron is a travel-ready powerhouse that will keep your fabrics looking fresh, whether you’re on the road or in the hotel.

Its dual-voltage capabilities let you use it in multiple countries, while the ceramic-coated soleplate glides effortlessly over delicates without leaving water marks, thanks to the anti-drip tech.

Heating up in a flash, this micro steam iron puts you in total control with an adjustable temperature gauge for tailoring the heat to different fabrics—suitable even for quilting, appliqué, sewing, and more.

Compact and lightweight, the Quilted Bear Mini Iron is a must-have for the stylish globetrotter or the crafty homebody.

Hulmay Portable Steamer

Price: $74.30

Last but not least, say goodbye to wrinkled clothes with the Hulmay Portable Steamer.

This portable steamer works on all fabrics and heats up in just 10 seconds, providing 20 minutes of continuous steam power.

The 80ml refillable tank and rotatable head allow you to steam horizontally or vertically, tackling even the most stubborn creases with ease.

It also features an advanced heating element and durable metal steel, delivering performance and reliability.

Includes a measuring cup and heat-resistant glove for safe, hassle-free use.

Each of our highlighted irons/steamers offers convenience and efficiency, ensuring that you can step out with confidence, whether you’re heading to a crucial meeting or a dinner date abroad. So, before you pack your next suitcase, consider investing in one of the abovementioned options. They’re not just about smoothing out the creases in your clothes—they’re about making you ready to make the right impression, anytime, anywhere.

5 Uniqlo fashion essentials $39.90 & under you need for UV protection

As the sun climbs higher and hotter, protecting your skin from harmful UV rays becomes a priority.

Uniqlo, renowned for merging practicality with style, has you covered—quite literally.

Here are five fashion essentials from them, each $39.90 and under, that promise to shield you from the sun’s hostile glare.

AIRism UV Protection Crew Neck Long Sleeve T-Shirt (Silk Blend)

Price: $19.90

First up, stay cool, comfortable, and protected from harmful UV rays with this AIRism long-sleeve crew neck tee.

The silk-blend fabric features DRY technology to wick away moisture and keep you fresh, while the smooth, stretchy material offers a soft feel.

Designed for layering or wearing solo, this top provides UPF40 sun protection to shield your skin.

With added odor control, it’s THE base layer for all-day wear, whether you’re working out or simply chilling.

Wellington Folding Sunglasses

Price: $29.90

These Wellington folding sunglasses are a stylish, eco-friendly accessory that won’t let you down.

The anti-fog, UV400 lenses block 99% of harmful rays and 25% of blue light, protecting your eyes while you’re on the go.

Crafted from a plant-derived bioplastic blend, the frames fold down to a compact size for easy storage, so you can take them anywhere.

Whether you’re hitting the beach or running errands, these sunglasses deliver both performance and convenience.

UV Protection Knitted Bucket Hat

Price: $29.90

Protecting your dome has never looked so stylish.

This UV protection bucket hat is made using a soft, breathable nylon-polyester blend that keeps you cool and shaded under the sun’s harsh rays (UPF50+).

The heat-formed construction maintains its shape, while the durable double-layer brim with thick stitching ensures it keeps its look no matter how active your day gets.

Dress it up or down—this hat is THE accessory for any outdoor adventure, from beach days to casual hikes.

Just toss it in cold water for a quick wash when it needs a refresh.

AIRism Mesh UV Protection Full-Zip Long Sleeve Hoodie

Price: $39.90

Add this piece to your activewear wardrobe.

The smooth, breathable AIRism fabric keeps you cool and comfortable, while the DRY technology and deodorizing features help you stay fresh no matter how much you move.

Plus, the UPF50+ protection shields you from harmful UV rays, making it ideal for outdoor activities.

Made with recycled polyester, it’s eco-friendly too!

The pocketable design and adjustable drawstring hood make it easy to pack and wear anywhere.

With a relaxed fit, this hoodie is a functional must-have for sports, leisure, or casual wear.

Ultra Stretch AIRism UV Protection Leggings (Co-ord)

Price: $39.90

Last but not least, put on these Ultra Stretch AIRism leggings and experience a whole new level of lightweight, breathable bliss.

Made with the signature ‘AIRism’ fabric, these leggings feature cool-to-the-touch technology and UPF50+ sun shielding, keeping you cool and covered.

The high-waist, seamless design offers a secure, flattering fit, while the roomy side pockets can stash essentials like your phone.

As we wrap up our rundown of Uniqlo’s UV protection essentials, it’s clear that each item offers both design and functionality to keep you cool, comfortable, and protected. So whether it’s a beach getaway or just your daily commute, Uniqlo has the essentials to help you step out, well-defended against those harmful UV rays. Get them before your skin screams “Help!”

Search the site