Latest Ongoing Singapore Scholarship 2019 – Apply Now

Apply for Latest scholarships, fellowships and grants in Singapore to support your education financially. The scholarships are eligible for both singaporean and international students and they can pursue their chosen education programs. we have brought you LIST OF SCHOLARSHIPS IN SINGAPORE for both Citizens of Singapore and International students from other nations who are already studying and who desire to study in Singapore,

Useful details for variety of Singapore scholarships are mentioned here and as such it is helpful for students who want to study in Singapore or abroad. Take a look at our recent listing of Singapore scholarships.

APPLY FOR Government of Singapore MSF Undergraduate Scholarships, 2019

Entries are currently ongoing for the Government of Singapore Ministry of Social and Family Development Scholarships to pursue undergraduate programme at Locally and Abroad….

Up to 240 SINGA Awards are given every year to top students from all over the world. Awards are available for pursuing PhD studies either at National University of Singapore (NUS) or Nanyang Technological University (NTU) or the Singapore University of Technology and Design (SUTD). READ ALSO

Full-Term Scholarships for Undergraduate Studies in Singapore, 2019

The Singapore-Industry Scholarship (SgIS) is inviting applications from qualified candidates for full-term scholarships These scholarships are available for pursuing undergraduate studies.

The Singapore-Industry Scholarship (SgIS) is the only multi-industry scholarship in partnership with the Singapore Government.

Read more

Study in Asia: List Of All International Scholarships to Study in Asia 2019

ASIA’S CONSISTENT ECONOMIC GROWTH, URBAN DEVELOPMENT AND EDUCATIONAL REFORM MEAN GROWING OPPORTUNITIES FOR AMBITIOUS INTERNATIONAL STUDENTS, INCLUDING INTERNATIONAL SCHOLARSHIPS AND OTHER FORMS OF FUND.

Below you’ll find a selection of some of the most exciting Asian scholarships and funding opportunities, covering China, Hong Kong, Japan, Singapore and South Korea, as well as some other prominent funds spanning the region.READ MORE

Singapore Scholarships for International Students

Graduate School for Integrative Sciences and Engineering is inviting applications for international scholarships. Scholarships are available for pursuing Ph.D. research program in diverse fields at Graduate School for Integrative Sciences and Engineering to help students in upgrading their education. GRE is compulsory for all applicants, except NUS and NTU Bachelor degree holders and final-year undergraduates…READ MORE

British High Commission Singapore Commonwealth Scholarships and Fellowships, UK

British High Commission is inviting applications its British High Commission Singapore Commonwealth Scholarships and Fellowships, UK. This Scholarship will support the successful applicant to undertake a fixed term placement in the UK at a university or in another body providing post-graduate courses.READ MORE

NUS Law Doctoral Research Scholarships in Singapore

Application are currently been accepted for the NUS Law Doctoral Research Scholarships in Singapore , Eligible scholars are invited to apply.

As Asia’s Global Law School, the Faculty of Law of the National University of Singapore (NUS Law) is committed to fostering excellence in research by building a strong core of doctoral research students. The NUS PhD comprises: (i) coursework (up to 6 graduate courses, taken in the first year), followed by (ii) a thesis of not more than 80,000 words.READ MORE

Fully-Funded Commonwealth PhD Scholarships at NTU in Singapore

ACU member institution Nanyang Technological University (NTU) is presently accepting applications for New Commonwealth Scholarships in Singapore. This Scholarship is for new, incoming students who are not Singapore citizens or permanent residents.

The Commonwealth Scholarship and Fellowship Plan (CSFP) is one of the largest and most prestigious scholarship schemes for international study in the world. READ MORE

Government of Singapore MSF Undergraduate Scholarships

Entries are currently ongoing for the Government of Singapore Ministry of Social and Family Development Scholarships to pursue undergraduate programme at Locally and Abroad. A Singapore Citizen or Singapore Permanent Residents are eligible to apply for this scholarship programme…READ ALSO

SINGAPORE STUDENTS CHEVENING SCHOLARSHIPS

Chevening Scholarships in Singapore are awarded to outstanding emerging leaders to pursue a one-year Master’s dgree programme at any UK university. They provide a unique opportunity for future leaders, influencers and decision-makers from all over the world to develop professionally and academically, network extensively, experience UK culture and build lasting positive relationships with the UK. A Chevening award offers financial support along with the opportunity of becoming part of the highly regarded and influential Chevening global network…READ MORE

Undergraduate Engineering Scholarship for Singapore Citizens, 2019

Application from Singaporean students are currently accepted for University Engineering Scholarship for students to pursue a full-time Engineering or Technology-related undergraduate programmes at the Nanyang Technological University (NTU), National University of Singapore (NUS), Singapore University of Technology & Design (SUTD) or Singapore Institute of ….

€10,000 Scholarships For Africans In Singapore, France & Abu-Dhabi (SHARE THIS)

The Business School for the World, and with Sam Akiwumiare collaborating to offer the INSEAD Sam Akiwumi Endowed Scholarship program for Africans.This scholarship is worth €10,000 is clearly provided to Africans who needs financial help in pursing their MBA programmes….

INSEAD Ian Potter 93D and Family Endowed Asia Scholarship in Singapore 2019

INSEAD is offering Asia scholarship to pursue MBA programme at the Asia Campus in Singapore. Candidates from Asian countries are eligible to apply. Preference will be given to candidates from developing countries and Singapore. The scholarship values up to €10,000. The scholarship is awarded exclusively to candidates in ….

Ministry of Foreign Affairs Undergraduate Scholarships for Singaporean Students, 2018

Ministry of Foreign Affairs is inviting applications for Undergraduate Scholarships for Foreign Service scholars to pursue studies in non-English speaking countries such as China, France, Germany and Japan, as well as in the UK and USA. Singapore citizens or permanent residents are eligible to apply for this scholarship….Read more

Nanyang Business School (NBS) International PhD/Postdoctoral Scholarship in Singapore, 2019

The Nanyang Business School (NBS) is inviting applications from qualified candidates for PhD/Postdoctoral scholarships in the field of accountancy and business to study in Singapore for the academic year 2019. Scholarships are open to Singapore citizens only.

Defence Science and Technology Agency DSTA Scholarships for Singapore, 2019 -APPLY

Defence Science and Technology Agency is inviting qualified Singaporean students for DSTA scholarships for. Scholarships are open to first-year junior college students or equivalent in the science stream. The Defence Science and Technology Agency is a statutory board under the Ministry of Defence (Singapore) of the Singapore Government.Read More

Undergraduate Scholarships for International Students by JTC Singapore, 2019

JTC awards scholarships to outstanding individuals to pursue undergraduate programme at overseas and local universities in USA, UK, France, Germany, Japan, China and Singapore every year. International students are eligible to apply for these scholarships….

and here is the kicker of all scholarship

The Asia Research Institute Postdoctoral Research Fellowship in Singapore

Applications are invited from eligible Singapore applicants for the Postdoctoral Research Fellowship funded by the Ministry of Education (MoE) and the Social Sciences Research Council (SSRC) of Singapore. These fellowships are provided to pursue postdoctoral research at The Asia Research Institute ….

Singapore-Stanford Biodesign Fellowship 2019

This fellowship award is exclusively targeted for professional from Singapore who are strongly interested in Asian medical device innovation. The fellows are expected to spend six months in the U.S., and six months in Singapore. This year, there are four awards available, each of those….

For More scholarships in Singapore for both international and domestic scholars, we welcome you to explore beyond you comfort zone and attain that enviable pedestal in your academic pursuit in Singapore,we have even something bigger, Click here

7 Personal Loan Companies That Help You Pay Off Debt Quickly

Do you sometimes feel like you’re not making progress on your debt? There’s probably a reason for that: A good chunk of each monthly payment goes toward interest.

If you want to get off the debt treadmill, one strategy is to consolidate your credit cards into a single payment. Personal loan companies can help you lower your interest rate, ensuring more of your monthly payment goes toward reducing your principal. You get out of debt faster and save money doing it.

Best personal loan companies to help you pay off debt

As you research debt consolidation companies, it’s important to look at the terms and determine what will work best for you.

“You’ll have more choices for favorable loan terms when you have good credit and income,” said Tom Drake, a financial analyst and the founder of MapleMoney. “You’ll have a better chance at the lowest interest rate when you prove that you aren’t a default risk.”

Here are seven personal loan companies that offer favorable rates for well-qualified borrowers.

1. LendingTree – Start Shopping Here

LendingTree helps you compare personal loans from multiple lenders at once, including the lenders below. With LendingTree’s online form, you can receive offers from up to 5 different lenders and there will only be a soft pull on your credit, meaning that your score won’t be negatively impacted. We recommend that you start here and comparison shop between lenders in order to get the best rates on your loan. (Note: Student Loan Hero is owned by LendingTree)

See Personalized Rates

2. Citizens Bank

Citizens Bank can be a great choice because it offers competitive rates and charges no fees for debt consolidation. You also can choose from a variety of loan terms and rates. However, this personal lender has the highest minimum credit score requirement on our list.

Minimum FICO score: 680
Minimum annual income: $24,000
Loan amounts: $5,000 to $50,000
Loan terms: three, four, five, six, and seven years
Interest rates: fixed plus a 0.25% discount for existing Citizens Bank customers and an additional 0.25% discount for autopay
Credit check: soft pull for rate estimates
Fees: no origination, application, or prepayment fees for debt consolidation loans

Get rates from Citizens Bank and other lenders on Lendingtree:Disclaimer: Student Loan Hero is a subsidiary of Lendingtree.

3. SoFi

The main advantage of SoFi is the fact that it’s the only personal loan company on this list that allows you to borrow up to $100,000 for debt consolidation. Additionally, SoFi doesn’t have a minimum FICO requirement, which makes it the best way to consolidate debt with bad credit. The minimum annual income is on the high side to make up for it, however.

Minimum FICO score: Good or excellent
Minimum annual income: $50,000
Loan amounts: $5,000 to $100,000
Loan terms: three, five, and seven years
Interest rates: fixed and variable plus a 0.25% discount for setting up autopay
Credit check: soft pull for instant rate quotes
Fees: no origination or prepayment fees for debt consolidation loans
Hardship program: unemployment program to pause payments temporarily after job loss

Get rates from SoFi and other lenders on Lendingtree:Disclaimer: Student Loan Hero is a subsidiary of Lendingtree.

4. Earnest

Earnest has a minimum credit score requirement, but it also has a flexible underwriting program that can take into account special circumstances. There’s no income requirement, so Earnest loans can be useful for entrepreneurs.

Minimum FICO score: 660
Minimum annual income: N/A
Loan amounts: $2,000 to $50,000
Loan terms: one, two and three years
Interest rates: fixed
Credit check: soft pull for rate estimates
Fees: no origination, application, or prepayment fees on personal loans

Get rates from Earnest and other lenders on Lendingtree:Disclaimer: Student Loan Hero is a subsidiary of Lendingtree.

5. Payoff

Payoff is a personal loan company that offers loans specifically aimed at consolidating or refinancing your credit card balances. However, the maximum loan amount is on the low end for our list. If you have a smaller amount of debt to consolidate, Payoff might work for you.

Minimum FICO score: 640
Minimum annual income: N/A
Loan amounts: $5,000 to $35,000
Loan terms: two, three, four, and five years
Interest rates: fixed rate for debt consolidation loans
Credit check: soft pull for personal loan rate estimates
Fees: origination fee of 2% to 5%, depending on the term

Get rates from Payoff and other lenders on Lendingtree:Disclaimer: Student Loan Hero is a subsidiary of Lendingtree.

6. Upstart

With a low annual income requirement and a low credit score minimum, Upstart is one of the easiest personal loan companies to qualify for. Plus, Upstart uses alternative items — including work history, education, and earning potential — to supplement your credit profile.

Minimum FICO score: 620
Minimum annual income: $12,000
Loan amounts: $1,000 to $50,000
Loan terms: three and five years
Interest rates: fixed
Credit check: soft pull for rate estimates
Fees: origination fee of 1% to 8%

Get rates from Upstart and other lenders on Lendingtree:Disclaimer: Student Loan Hero is a subsidiary of Lendingtree.

7. LendingClub

LendingClub offers you the chance to use its peer-to-peer lending platform. LendingClub’s eligibility requirements are flexible, and you might be able to get a personal loan when more traditional lenders aren’t willing to look at your situation.

Minimum FICO score: 600
Minimum annual income: N/A
Loan amounts: $1,000 to $40,000
Loan terms: three and five years
Interest rates: fixed
Credit check: soft pull to get a rate estimate
Fees: origination fee of 1% to 6%

Get rates from LendingClub and other lenders on Lendingtree:Disclaimer: Student Loan Hero is a subsidiary of Lendingtree.

Pros and cons of debt consolidation programs

Before you decide to get a loan with one of these debt consolidation companies, it’s important to know what you’re getting into. Debt consolidation can be an effective tool — but only if you’re careful.

Advantages of debt consolidation

The biggest advantage of using a personal loan to pay off your high-interest debt is the fact that you can save money in the long run.

“Credit cards are known for having high interest rates,” said Harlan Landes, a consumer finance expert. “If you can get a lower rate with a personal loan, it could mean a savings of thousands of dollars.”

Using our credit card consolidation calculator, you can see how it’s possible to save more than $7,000 by consolidating to a five-year loan with an interest rate of 8.99%.

Not only are you saving a good chunk of change, but your monthly payment is also lower, resulting in better monthly cash flow. A four-year consolidation loan would keep your monthly payment roughly the same but save you $8,000 in interest and get you out of debt sooner.

Debt consolidation also streamlines your debt management approach. Instead of making several payments each month, you have to make only one.

“If you’re having trouble keeping track of your payments and things are falling through the cracks, a debt consolidation loan can simplify your finances,” said Landes. “Plus, the potential for improved monthly cash flow frees your budget a bit, giving you breathing room and more confidence.”

The risk of debt consolidation loans

“The biggest downside with a consolidation loan is the fact that you could wind up in even more debt if you aren’t careful,” said Drake. “Once you get that personal loan and pay off your credit cards, suddenly you have all this new credit available. It can be tempting.”

It’s not always easy to avoid this temptation, but it’s possible. Start by tracking your spending to see where you can cut back on unnecessary expenses. Then, make sure you have the money in hand before you spend on other items. Shift your mindset to one of saving for what you want to buy. Begin putting a small amount of money aside each week to get used to the idea.

Landes agreed. “Before you consolidate your debt with a personal loan, make sure you change your approach to money,” he said. “Make sure you stop debt spending. Put your credit cards on ice or cut them up if you think you’ll turn around and rack up more debt.”

Change your financial habits before consolidating debt

Landes pointed out that even though it can be disheartening to be in debt, it’s more of a symptom than the actual problem. When you find the underlying cause of your debt, you can focus on fixing that issue. Eventually, the debt will disappear as you take steps to change your financial habits.

Make it a point to cut out some of your expenses or earn more money — or both. Look for ways to ensure that you aren’t spending money on things that don’t matter to you. Once you have your budget under control, you can feel more confident about getting a personal loan to consolidate your debt.

5 Tips For Defending Yourself In A Student Loan Debt Lawsuit

Oftentimes people have no idea they are about to be sued when they learn that they have a student loan debt lawsuit filed against them. Receiving the actual lawsuit can be very intimidating. The attorney (or team of attorneys) for your student loan lender is well versed in debt collection laws. Once a suit is filed against you, it is rare for the problem to just simply disappear. Your best defense in winning a private student loan lawsuit is to be well informed, whether that is through educating yourself or hiring a debt relief attorney to fight back and possibly save you thousands of dollars. And, as I will explain further, you can also try to settle your student debt lawsuit before it goes to trial.

If you do decide to handle your student loan lawsuit on your own, you need to be aware of how the process works:

File a proper response to the lawsuit. The first notice you receive about a student loan debt collection lawsuit is likely to be the “Summons and Complaint,” which outlines the claims against you. It’s essential that you file a response to this document with the court. You want to avoid having a judgment against you automatically, which is known as a default judgment.

Ask for proof of the debt. The plaintiff has to prove the allegations against you in order to win the case, so you should request that your student loan creditor provide evidence of the claims for the student debt lawsuit. The plaintiff may not have the necessary proof, which may open the door for settlement.

Determine whether the lawsuit complies with the Statute of Limitations. A creditor does not have an unlimited amount of time to initiate a lawsuit to collect a debt. In California, they must file the lawsuit within four years from the date the debt became due – a time period known as the Statute of Limitations. You can defend a debt collection lawsuit by showing that the plaintiff did not file the lawsuit within that amount of time.

Contest improper service. There are certain requirements that the plaintiff must meet in terms of notifying you of the lawsuit. In general, you must be served with the Summons and Complaint by a police officer or other official at the place of your normal residence. If you were not, you may have a defense based on improper service.

Fight the debt collection lawsuit with a counterclaim. You may have a claim against the plaintiff debt collector if they’ve acted in violation of the law, especially the Fair Debt Collection Practices Act. The FDCPA allows you to recover attorneys’ fees and costs if the plaintiff does not comply with its provisions.

Follow These 5 Tips If You Are Overwhelmed By Student Loan Debt

It is understandable to feel overwhelmed by student debt – you certainly aren’t the only person. Total student debt in the United States is upwards of $1 trillion, only second behind mortgage debt, so it’s easy to see why so many people feel overwhelmed when dealing with their student debt.

Dealing with student debt makes other things in life that much tougher, especially getting financing for other purchases such as a mortgage. Feeling like there is no end to your student debt and have no idea what to do? Then follow these 5 tips:

1. Work Out Total Debt

Like with any type of debt, it’s important to take stock of how much you owe. Most students have debt from various sources accumulated after each year of college, so it’s easy to get lost in all the numbers.

It may feel daunting but sit down and work out how much your debt totals, after which you can begin to formalize a strategy for paying it back. This process is difficult as it can feel stressful to see how much you owe, but it really does help in the long run.

2. Determine Loan Terms

As most students have several loans after college, there is going to be variances in the terms of each long. So, start to categorize all the different terms of loans, including the different repayment amounts and interest rates.

Along with working out your total debt, this step allows you to determine the exact terms of each loan and how to avoid unnecessary interest fees and possible penalties. Be sure to read the fine print of every loan so there are no unexpected fees you’ve missed.

3. Make the Most of Grace Periods

The grace period of a student loan refers to the period of time after graduation where you need to start paying the loan back. It varies from each school, so be sure to understand how much time you have before you need to start paying back – this is the perfect time to start saving to avoid feeling overwhelmed.

4. Pay the Highest Loans First

As student loans have various sources, the interest fees are likely to differ too. One of the more effective ways of dealing with the stresses of student loan debt is to target loans with the highest interest first.

A good method for doing this is to budget above repayment fees each month whenever possible, then applying the additional fees to the loan with the highest interest rates. Once this is paid off repeat the process for the next highest loan, continuing to do so to help reduce the largest debt fees first.

5. Think About a Consolidation Loan

Consolidating a student loan is a very worthwhile endeavor, especially for those with debt from various sources. In doing so, you may end up with lower monthly rates going towards a single loan, and in many instances an extended deadline to pay it back

However, this type of loan is usually best saved for people that feel completely overwhelmed by student loan debt, as the major setback of a consolidation loan is higher interest rates and possibly a longer repayment period.

Tips for Borrowers Negotiating a Loan

Tips for Borrowers Negotiating a Loan: Part 5 Closing Documents

Banking and Finance, Business Transactions & Corporate Governance

Clint M. Hanni

Loan transactions are document intensive. When the agreements have all been drafted and agreed, it’s time for the lender and borrower to sign the documents and fund the loan. Closings can be easy or hard. Here are some tips to make them as smooth as possible.

1. Authorizing resolutions. After the main transaction documents are complete, there may remain other documents to be drafted, agreed and signed. For example, the lender wants assurance that the borrower’s board of directors has authorized the loan. To that end, the lender may provide its own form of board resolution for the borrower. It can take time to organize a meeting or pass around resolutions for signatures. Borrowers should plan to remain involved and put in extra time even after the documents are finalized.

2. Closing certificates. Most loans in excess of a few million dollars will require officers of the borrower to certify that all representations and warranties are true and that all conditions to the loan have been met. Other certificates may be required with respect to resolutions, articles of incorporation and bylaws of the borrower. In addition, the lender may ask for a solvency certificate to confirm the borrower is solvent. Insurance certificates may be required. Here’s the point—a fair amount of work remains to be done after the main loan documents are complete. Finance counsel can walk you through it all.

3. Third party documents. Closings are often delayed because the lender requires third parties, such as landlords, to sign documents (e.g., consents to collateral assignments of agreements or landlord estoppels). An experienced lawyer will help the borrower identify these documents in advance so that they can be distributed to third parties well before the closing. Lenders may be willing to accept such documents on a post-closing basis.

4. Closing mechanics. In the old days, all parties used to gather in a conference room to sign and release deal documents. That rarely happens nowadays. Most closings are done via email with little face-to-face interaction. But loan closings are still complicated. Final versions of the documents need to be gathered and distributed to each side for signatures. Some documents, such as stock certificates to be taken by the lender as collateral, must be delivered to the lender’s attorney. The lender may require the borrower’s attorney to render a closing opinion that the loan documents are enforceable.

What to do with your first salary: 5 amazing tips to make you money-wise and set you up for life

Getting your first salary is always a heady feeling. The first instinct, of course, is to splurge and spend on things you have wanted to—with your own hard-earned money. Once the euphoria wears off, you have to start thinking ahead and saving up for the future. The sooner you begin saving and investing your money, greater the returns since with increasing age comes greater responsibilities. Becoming financially secure should be among your top priorities.
Starting earlyThink about your future goals and set aside some money each month from your salary right from the beginning. The longer your money stays invested, the higher your returns due to the power of compounding. Once you begin earning, you should know how much money you are spending each month, and where. It is important to create a monthly budget so you don’t overspend.
Good credit scoreDuring the early years, the feeling of earning your own money and spending as you like can be heady, and there can be a tendency to revolve your credit card dues or delay payments without thinking of the consequences. These can affect your credit score and hamper your ability to take a loan (such as home loan) when you really want to. Learn to live within your means and avoid maxing out your credit cards. Try and avoid revolving credit or using the cash withdrawal/EMI option on your cards wherever possible.
File your income tax returnDepending on your salary slab as you begin earning, you may or may not be liable to pay income tax. Spend time with your company accountant / CA and understand how salary calculations are done, and how you can save tax. Remember, tax deduction by your employer is not enough. You still have to file your income tax return, usually by July 31 each year. Do not wait till the last day to do so. Give yourself enough time and file your return in advance.
Get insuranceOver the years, medical costs have been on the rise, and a health insurance cover is a must-have now. The earlier you get it, the better. When you are younger with no pre-existing diseases, you pay a lower premium. If you have financial dependents, you can also consider getting a life insurance policy. Both life insurance and health insurance (self, dependents, parents) premiums are also eligible for a tax deduction.
Diversify your investmentsWhen you begin earning, your parents are likely to suggest putting some money in a bank fixed deposit—the tried and trusted investment option for most Indians. However, the interest is taxable and along with the inflation factor, the returns aren’t so great. You can consider other investment avenues as well, like real estate, gold (physical or ETF), PPF, NPS. Equities are one option that can give a boost to your investment portfolio. If you’re not comfortable investing in stocks, you can look at equity mutual funds. There are tax saving funds as well, and you can invest via a Systematic Investment Plan (SIP), which helps you plan and save for upcoming spends. Nobody can predict the future, but you can try and be prepared for it. Whether it is loss of your job or a family/medical emergency, having an emergency fund can help you avoid a financial crisis. Set money aside from your salary each money for this fund. The amount depends on your lifestyle and should take care of 6-8 months of living expenses and commitments. It should also be easily and quickly accessible when needed.

Make your children money wise – Saving Tips

Let them choose their own savings goals. It may sound like a good idea to have all of your child's savings go toward education, but little children can learn a lot from setting short-term goals that are fun and meaningful to them. The payoff shouldn’t be too far in the future and unattainable. When they are able to set goals, they grow up being able to save longer and better.

Consider savings and spending guidelines. Some families have children set aside a certain percentage of their money for savings. If you do so, make sure to give the children money in small bills—and ask their grandparents to do the same when giving cash gifts.

http://www.truthaboutmoney.co.za/