Countries That Offer Unbelievably Free University Education For All

As the cost of higher education catapult over the years, undergraduates around the world have one thing in common – they are susceptible to an enormous pile of debt. The Tuition Fee Loan Schemes and total student debt vary globally.

For instance, in Japan, about US$5 billion in student debts were past due last 2011. In America, the college students’ debts summed to over US$1.2 trillion in 2013. Looking no further, in Singapore, one-third of the local students who graduated last 2005-2007 had an average debt of S$20,000 per student.

With these overwhelming numbers, it is surprising to know that some countries are offering free or low-cost tertiary education – in English! If you are willing to leave the Lion City for your studies, here is a concise list of those countries:

1. FINLAND

Regardless of your nationality and level of studies (i.e., diploma, degree, or Masters), tuition fee is free in Finland. But, you are expected to cover your personal living expenses that cost about 500 Euros or S$746 per month.

Image Credits: Miguel Virkkunen Carvalho via Flickr with Creative Commons License

Image Credits: Miguel Virkkunen Carvalho via Flickr with Creative Commons License

2. GERMANY

9 months ago, Germany has implemented a rule that enables all students to enjoy no-cost fees for undergraduate studies. Yes! International students are included. Currently, 900 programs are available in English to attract foreign students, as they are experiencing shortage in skilled workers. Like Finland, living expenses in Germany cost about 500 Euros or S$746 per month.

Image Credits: Moyan Brenn via Flickr with Creative Commons License

Image Credits: Moyan Brenn via Flickr with Creative Commons License

3. NORWAY

Norwegian students and foreigners studying in the country can go to undergraduate studies, Masters programs, and Ph.D. programs at no cost! Be informed, however, of the harsh weather conditions and the high cost of living. A single student’s living expenses will equate to about NOK 7,500 or S$1,261 per month.

Image Credits: Edward Dalmulder via Flickr with Creative Commons License

Image Credits: Edward Dalmulder via Flickr with Creative Commons License

With all these information at your reach, you have to understand that debts are not only rooted from school fees but also from living expenses. In fact, U.K. students have borrowed about US$10,200 per student to cover tuition fee and living expenses in 2011-2012. So, before you pack your bags, calculate whether the total cost of your education and living expenses are less here or there.

Sources: 1, 2, 3, 4, 5, & 6

Read More...

Is it worth getting a car in Singapore today?

In most countries, a car is a necessity. This applies especially to large countries where people need to take great pains to traverse from one city to the next that may be hundreds of miles apart. Furthermore, for an enormous country, extensive infrastructural developments for an efficient public transportation system are not only costly but time-consuming. Not to mention the strong political will and tenacity required to win over the support of affected residents for a given construction project. Battling against all these odds is no easy feat and the results are self-evident.

In the United States last year, the number of vehicles on the road reached a record level of almost 253 million for a population size of 319 million, roughly equivalent to 4 automobiles for every 5 people.  Contrast this ratio with Singapore’s 1 automobile for nearly every 7 individuals in 2014. Such statistics actually do paint a clearer picture than a thousand words. It highlights the fact that owning a car in Singapore is no longer a prerogative, but a luxury.

If a car is now a want instead of a need, how should we value the purchase so as to ensure that we are not overpaying for the convenience and comfort? Shown below is a basic flowchart that may be useful for the first round of consideration by potential car buyers. The key assumption made here is that the monthly fuel cost can be approximated to your transport fare; therefore the costs under review are incremental costs.  1

Note that this model has not accounted for miscellaneous expenses related to maintenance, repairs, ERP, road taxes and insurance.

Read More...

Spend Under S$10 To Bring Back The Sparkle Of Your Jewelry

Letting your treasured necklaces, bracelets, rings, or other heirlooms shine again can cost you about $35-139.90. That is the hefty price you may pay if you want to purchase an Ultrasonic Jewelry Cleaner. So..instead of getting expensive cleaning machines, professional cleaning services, or cleaning solutions, opt for practical Do-It-Yourself ways to clean your favorite bling! Here is how:

1. DIAMOND AND SILVER POTION

This mixture is exclusively for cleaning your precious diamonds and silvers. The ingredients are mostly available in your kitchen thus; you would not have to spend a lot.

Ingredients: 

Small bowl

Aluminum foil

Paper towel

Old toothbrush

1-tablespoon salt

1-tablespoon baking soda

1-teaspoon dish detergent

1-cup hot water

Procedure:

Fill the small bowl with a square sheet of aluminum foil then, put the salt, baking soda, and dish detergent. Watch as the liquid buzz while you add the hot water. Afterwards, drop your jewelry there and leave it for 10 minutes. Once the minutes are up, remove the jewelry and use the toothbrush to gently scrub around any prongs, groves, or gemstones. Lastly, rinse and pat dry.

Image Credits: Aleksey Gnilenkov via Flickr with Creative Commons License

Image Credits: Aleksey Gnilenkov via Flickr with Creative Commons License

*Note: For Pandora’s jewelry, do not use this method as it may be considered too harsh. Instead, check out 3c. below.

2. GOLDEN POTION

One of the biggest reasons why your gold does not shine anymore is because it is filthy! Clean your gold jewelry the right way with this mixture. Much like the diamond and silver potion, ingredients for the gold mixture are available in your home.

Ingredients:

Toothpaste

Old Toothbrush

Soft cloth (dry)

Procedure:

Apply the toothpaste on the toothbrush and scrub the gold jewelry well. If you have a larger piece of gold to shine, repeatedly rinse off the toothbrush and use more toothpaste. Then, rinse it off with water. Lastly, get your soft cloth to dry it. Use circular motions to polish your golden jewelry!

3. OTHERS

a. White Vinegar

If white vinegar had a C.V., its skills would fill 1-2 pages. Yes! That is abundantly skilled this multi-purpose agent is. To clean your bling, mix a cup full of water with a half-cup of white vinegar and stir well. Put your silver pieces onto the mixture and leave it for 2 hours. Once the hours are up, remove the jewelry pieces then, rinse with cold water. Lastly, pat dry with a soft cloth.

Not bad for S$2.60 a pop (i.e., sold at FairPrice)!

b. Beer

A beer that costs you as low as S$3.10-4.50 (i.e., at FairPrice) can not only give you a fun time but also can give you back the shimmer of your jewelry! In a mug of beer, soak your jewelry overnight. On the next day, remove your jewelry and rinse it off in running water. Dry these up and be astonished on how shiny the pieces are!

Image Credits: Aleksey Gnilenkov via Flickr with Creative Commons License

Image Credits: Aleksey Gnilenkov via Flickr with Creative Commons License

c. Dish Soap

The dish soup sitting on your kitchen sink can also be used to bring back the shine from your jewelry pieces. This is a milder form of cleaning you sterling silver and it works well with your Pandora’s bracelet and charms. Simply add a few drops of the dish soap into a bowl of warm water and let your Pandora sit in it for a few minutes. Clean it with a soft bristle toothbrush if you like and pad them dry individually with a dry cloth. Make sure that if your charms is made of wood, leather or pearl, you should not use this method.

Sources: 1, 2, 3, 4, 5, 6 & 7

 

Read More...

Exciting Places To Explore At Bugis Area With S$30 In Your Pocket

The Bugis Area, spanning from Bras Basah to Fort Canning, is not only rich in business establishments but is also abundant in cafes, bookstores, museums, and activities that you and your companions can enjoy. Even with a budget of only S$30!

1. FOR DELECTABLE DESSERTS

In 2014, a Japanese dessert shop called Tai-Parfait graced Singapore at the Bugis Junction. Brought by Dining Innovation Singapore, Tai-Parfait boasts its Taiyaki – a Japanese original fish-shaped pancake filled with sweet red bean paste…for only S$2.20. What’s more? You can also put ice cream, fruits, and other toppings on your dessert.

For example, you may try the Matcha Azuki Tai-Parfait for S$5.50. It is a chocolate-filled Taiyaki topped with Matcha cream, Green Tea ice cream, and Azuki. Sounds delicious, doesn’t it?

Go ahead and get your very own Tai-Parfait desserts at Bugis Junction, #B1-03A.

2. FOR BODY TONING AND MUSCLE STRENGTH

Have you wanted to burn more calories without having extreme muscle stress? Then, try water exercises, especially the Aqua Spin. Aqua Spin, suited for all levels, is believed to fight diabetes and obesity. Aside from this, your blood circulation, muscle strength, and cardiovascular fitness will improve.

A session will not cost you a fortune as a one-time trial is priced at S$25. Spin away at YWCA Fort Canning Lodge (Swimming Pool at Level 3), 6 Fort Canning Road, Singapore 179494!

3. FOR THE GENUINE BOOKWORM

The Bras Basah Complex is the one-stop-shop for budget printing services and cheap books. The bookstores here are filled with a myriad of non-fiction books, fiction books, magazines, textbooks, children’s books, graphic novels, and so much more! Support the Evernew Bookstore’s book fairs that offer second-hand books for as low as S$2-5!

With prices as low as that, how can a genuine bookworm ever leave?

4. FOR THE LOVE OF TOYS

A visit at the MINT (Moment of Imagination and Nostalgia with Toys) Museum of Toys will help you relive the treasured memories of your childhood. With its collection of over 50,000 vintage toys originating from over 40 countries as far as United Kingdom, Bulgaria, and Germany, it is no surprise that the value of the entire museum is over S$5 million.

Admission rates are as follows:

Children (Aged 2-12): $7.50

Senior Citizens (Aged 60 years and above): $7.50

Adults: $15.00

Interestingly, some of the toys that you may see are the 1903 Steiff Teddy Bear and the 1953 Britain’s Queen Elizabeth II Coronation Set.

https://www.youtube.com/watch?v=8epZlJ73GVY

For more information about the MINT Museum, check out emint.com.

Sources: 1 & 2

 

Read More...

Excellent Places To Find Low-Cost Uniquely Singaporean Souvenirs

If you are traveling Singapore for the first time or if you are visiting relatives overseas, it is great to have a uniquely Singaporean keepsake with you. Looking for the keepsake or souvenir can be a challenge when your budget and time are constricted. But, not anymore! The key is to find the famous bargain shopping places that can be easily accessed. Thus, your shopping trip will only take a few hours of your day.

With that in mind, here are places where you can find affordable Singapore souvenirs:

1. LUCKY PLAZA

There is no doubt in my mind that bargaining is widely acceptable in mostly all the shops at Lucky Plaza. This shopping center is conveniently located at Orchard Road so, you can simply drop by while you are cruising along the huge stretch of malls. The varieties of souvenirs that you can buy are abundant with a price starting from S$2.

2. PENINSULA PLAZA

Nearby the tourist spots such as Asian Civilisations Museum, the Esplanade Theatres, St. Andrew’s Cathedral, Parliament House, and Funan DigitalLife Mall, Peninsula Plaza proves to be a go-to shopping center for cheap keepsakes such as magnets, postcards, bags, and key chains. The prices of these keepsakes range from about S$3-25.

Image Credits: Riza Nugraha via Flickr with Creative Commons License

Image Credits: Riza Nugraha via Flickr with Creative Commons License

3. BUGIS STREET

A well-known bargain hub located opposite Bugis Junction is called Bugis Street. It houses a variety of shops that sell souvenirs such as clothing, bags, accessories, cups, magnets, chocolates, stamps, and so much more. The prices of these items range from about S$3-30. You may freely bargain with some stall owners.

Now, if you have no idea what to get for your friends and family, you may try to shop for these items:

1. SINGAPORE PRESSED PENNIES

Almost all the popular tourist attractions have automatic pressed penny machines where it is priced at about S$2 per penny. The engraved design of the coin features the name of the place where the souvenir was taken. For example, it is available at Universal Studios Singapore, National Museum of Singapore, Singapore Zoo, and Gardens By The Bay.

2. ANYTHING WITH THE MERLION

The Merlion represents the roots of Singapore being a “Lion City” with its lion head while the body of a fish represents Singapore’s dawn as a fishing village. With a souvenir featuring the national icon – the Merlion, your gift recipient will surely appreciate where it came from. Prices of Merlion merchandise such as chocolates, key chains, magnets, snow globes, mugs, and picture frames range from S$2-20.

These Merlion-based are available at all souvenir shops.

Read More...