#best tuition agency singapore

[eduaidtution]

The Role of Home Tutors in Preparing Students for Competitive Entrance Exams

Unlock academic success with our blog on "The Role of Home Tutors in Preparing Students for Competitive Entrance Exams." Dive into the impact of personalized attention, strategic exam preparation, and confidence-building mentoring. Discover why a home tutor is the key to excelling in competitive exams.

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Discover Singapore's best tuition agency with My Home Tutor. Our experienced educators provide personalized, in-home tutoring to help your child excel in academics. Contact us today to boost your child's learning journey!

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Study in Australia - Australia study visa Consultant in Chandigarh

Planning to Study in Australia? Unitrack Overseas is the best Australia student visa consultant. Best consultant for an Australia study visa.

Comprehensive Guide to Providing Proof of Funds for Student Visa Applications

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Many people have the goal of studying abroad because it provides wonderful chances for both academic and personal development. As someone who wants to study abroad, you have to be aware of the numerous requirements and paperwork involved with relocating for higher education.

The process of applying for a university or a visa is complex and time-consuming. However, this is more than just completing various types of paperwork. In many of the countries where students want to study or apply for visas, they need to have proper knowledge about the finances that they need to have a positive impact on their visa outcomes. This demonstrates that the student has sufficient funds to cover both their tuition fee and living expenses.

Let’s examine the numerous reasons why this becomes crucial.

Understanding the Necessity of Proof of Funds for a Student Visa

There are several reasons why proof of funds is required.

First of all, it guarantees that students may sustain themselves financially without depending entirely on part-time employment, allowing them to continue concentrating on their academics.

In addition, it serves as a precaution against possible instances of financial difficulty or even homelessness among international students.

Finally, it gives Immigration Authorities confidence that students can pay their fees and won’t be a drain on the resources of the host nation.

This post will examine the financial needs of some of the top study abroad locations worldwide, such as the United States, the United Kingdom, Canada, Australia, New Zealand, and numerous European and Asian nations.

Essential Financial Documentation for Top Study Destinations

USA: US$ 40,000–US$ 80,000 or More. (It might change based on living expenses and first-year tuition fees.)

UK: £24,167 for courses outer the London and £27,808 for courses inner London each year.

(These are only estimates; if tuition costs increase, they may differ.)

Canada: $38,635 annually (Including GIC and tuition fees)

Australia: Between AUS$65,000 and AUS$75,000 annually

New Zealand: $45,000 to $67,000 annually

Financial Proof for Living Costs in European Study Destinations

Ireland – €10,000 per year

Germany – €11,208 for one year

Finland – €590 per month for one year

France – €615 per month

Spain – €600 per month

Malta – €778 per month

Cyprus – €859 per month

Asian study destination

Singapore- S$ 16,400 – S$ 45,000 per year

Valid Approaches for Demonstrating Necessary Funds

When requesting a visa, international students can demonstrate their financial stability in a number of ways. Among these are the following options:

Bank Statements: If you choose to self-fund, you may submit bank statements attesting to the existence of enough money in your savings account. It’s also crucial to remember that this money must be easily accessible and unrestricted by investments or other assets, in accordance with the Visa requirements of the majority of study destinations.

Scholarships: Proof of scholarships or grants from governmental agencies, nonprofits, or educational institutions is also accepted. Immigration authorities will cross-verify your scholarship letter because they occasionally pay for living expenses and tuition fees.

Sponsorship: In order to contribute the money needed for your student visa, parents or legal guardians may serve as official sponsors. They will need to present their bank statements, which acts as a proof that they can afford the living expenses and course fees.

Education Loans: Visa officers will accept confirmation from accredited financial institutions when they give assurance that education loan has been approved. However, the requirements for secured and unsecured loans vary depending on the study location. Therefore, make sure the loan terms match where you want to study.

Although these choices are provided in a broad sense, you should confirm that they are appropriate for the study location you have narrowed down.

FAQ

Why is proof of funds necessary for a student visa?

Proof of funds is required to:

Ensure students can support themselves financially without relying solely on part-time work.

Prevent financial difficulties or homelessness among international students.

Provide confidence to Immigration Authorities that students can pay their fees and won’t be a burden on the host country’s resources.

What are the estimated financial requirements for studying in popular destinations?

USA: US$ 40,000–US$ 80,000 annually.

UK: £24,167 (for courses outer London; £27,808 )

Canada: $38,635 annually.

Australia: AUS$65,000–AUS$75,000 annually.

New Zealand: $45,000–$67,000 annually.

What are the valid methods for demonstrating the necessary funds?

Bank Statements: Showing sufficient funds in a savings account.

Scholarships: Proof of scholarships or grants from government agencies, nonprofits, or educational institutions.

Sponsorship: Parents or legal guardians can act as official sponsors by providing their bank statements.

Education Loans: Confirmation from accredited financial institutions that an education loan has been approved.

What should I consider when using bank statements as proof of funds?

Ensure that the funds are easily accessible and not restricted by investments or other assets, in accordance with visa requirements of most study destinations.

Can my parents or guardians sponsor me for my student visa?

Yes, parents or legal guardians can act as official sponsors by providing their bank statements to show they can afford your living expenses and course fees.

What should I know about using education loans as proof of funds?

Visa officers accept confirmation from accredited financial institutions that an education loan has been approved. Requirements for secured and unsecured loans vary depending on the study location, so ensure the loan terms match your destination.

How can Unitrack Overseas assist with the student visa application process?

Unitrack Overseas offers comprehensive end-to-end support, including personalized assistance with visa requirements, financials, and university application process.

How can I get in touch with Unitrack Overseas for assistance?

Contact Unitrack Overseas Chandigarh for detailed guidance and support. Their experts can help simplify and expedite the study abroad application process for the upcoming intakes.

Conclusion

In summary, the following are the current and pertinent numbers about the financial requirements for student visas. Therefore, to guarantee a seamless and successful visa application process, it is imperative that you meet the financial requirements stipulated by the destination country, regardless of the study destination you choose. We hope that after reading through and meeting the proof of funds requirements, you will be ready to start your international education journey.

It can be time-consuming to figure it out, but what if we told you that Unitrack Overseas offers applicants like you comprehensive end-to-end support? You read correctly! Our experts offer personalized assistance and detailed guidance on visa requirements and financial documentation, in addition to helping with the university application process. Your loan funding is also taken care of with Unitrack Overseas Chandigarh.

Thorough planning and preparation are essential before embarking on a journey to pursue higher education overseas. Thus, you can get assistance from our Country Experts to expedite and simplify the procedure.

As one of the best study visa consultants, Unitrack Overseas is here to help you every step of the way. For the upcoming intakes, get in touch with our team right now and start your study abroad application with the top visa consultant!

[cathyjane]

Six Ideas For Selecting A Tuition Agency

Deciding on a tuition firm in Singapore can easily be actually a crucial choice for your little one's scholarly journey. Along with a wide variety of choices available, it's vital to make a knowledgeable option that straightens with your little one's informative needs and also your loved ones's objectives. Right here are 6 vital ideas to direct you in deciding on the right tuition company, making sure that your kid gets top quality assistance and attains their total possibility.

1. Analyze the Agency's Reputation

The track record of a tuition agency Singapore communicates amounts about its reliability and efficiency. Analysis on-line testimonials as well as seek suggestions coming from buddies, loved ones, or even colleagues who have possessed experience along with tuition companies. Search for agencies with a tested monitor record of successful trainee end results as well as favorable responses from moms and dads as well as pupils alike.

2. Evaluate the Certifications of Tutors

The know-how of the instructors is actually essential to the premium of learning your youngster will certainly obtain. Inspect the certifications and also teaching expertise of the instructors at the company. Preferably, they ought to have appropriate scholastic credentials and adventure in educating the certain topics your child needs to have aid with. Numerous reputable agencies give comprehensive profile pages of their tutors, including their certifications and also mentor styles.

3. Consider the Agency's Specialization

Some tutor agencies provide services for specific subjects or even instructional amounts, while others supply a vast variety of solutions. Pick a firm that concentrates on the disciplines where your child requires help. As an example, if your youngster needs to have aid with maths, search for an agency recognized for its skills in that subject matter. Expertise typically implies the agency has actually a much more tailored strategy and also resources certain to the target.

4. Take A Look At the Teaching Methods as well as Resources

Different agencies make use of different training procedures as well as resources, so it is actually crucial to discover one that matches your child's knowing style. Some firms utilize traditional class techniques, while others might combine innovation, active tools, or customized session plannings. Analyze the mentor procedures as well as resources the firm makes use of to guarantee they align with your little one's knowing inclinations as well as requirements.

5. Customer review the Agency's Adaptability as well as Accessibility

Look at the flexibility of the agency in phrases of lesson schedules and also area. The best tuition agency should deliver pliable time possibilities to suit your child's nonscholastic activities and also your loved ones's timetable. Additionally, examine if the company is actually conveniently found or uses online tuition options, particularly if journeying to the firm's areas is actually challenging.

6. Evaluate the Costs and also Payment Structure

Tuition fees can vary significantly in between agencies, so it's crucial to recognize the cost and remittance structure just before choosing. Contrast the expenses of different firms and what they give in return. Some firms may supply markdowns for bulk treatments or even possess various layaway plan. Be sure there are no surprise costs which the prices straightens with your budget.

Through adhering to these ideas, you may create a well-informed choice and choose a tuition organization that finest holds your kid's instructional adventure.

[turorcity]

Tuition Agency Singapore - Tutor City

Looking for the best tuition agency Singapore? Tutor City connects students with qualified tutors across various subjects, ensuring personalized and effective learning.

Whether you need help with primary, secondary, JC, or even university-level subjects, Tutor City offers a wide selection of experienced tutors to match your needs. With a user-friendly platform and a commitment to educational excellence, finding the right tutor has never been easier. Boost your academic performance with Tutor City today. Visit tutorcity.sg for more details!

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Why Malaysia is the Best Destination for Higher Education

In recent years, Malaysia has emerged as a top choice for students seeking higher education. With its vibrant culture, diverse community, and world-class institutions, the country offers an enriching experience that goes beyond academics. Here’s why Malaysia stands out as an exceptional destination for pursuing higher education.

1. Quality Education and Recognized Institutions

Malaysia is home to numerous universities that consistently rank among the best in Asia. Institutions like the University of Malaya, Universiti Kebangsaan Malaysia, and Monash University Malaysia offer a wide array of programs that are recognized globally. Many universities in Malaysia have partnerships with renowned universities worldwide, providing students with access to high-quality education and international exposure.

2. Affordable Tuition Fees and Living Costs

One of the most appealing aspects of studying in Malaysia is the affordability. Compared to Western countries, tuition fees in Malaysia are significantly lower, making it a cost-effective option for international students. Additionally, the cost of living in Malaysia is reasonable, with students able to find affordable accommodation, food, and transportation, allowing them to focus more on their studies without financial stress.

3. Cultural Diversity and Inclusive Environment

Malaysia is a melting pot of cultures, with a harmonious blend of Malay, Chinese, Indian, and various indigenous groups. This diversity fosters an inclusive environment that promotes mutual respect and understanding among students. Studying in such a multicultural setting not only enriches the educational experience but also helps students develop essential interpersonal skills and global awareness.

4. English-Medium Instruction

Many Malaysian universities offer programs taught in English, making it an ideal destination for international students. This focus on English-language education ensures that students can effectively communicate and engage with their peers and professors, further enhancing their academic experience. The widespread use of English in everyday life in Malaysia also helps students improve their language skills.

5. Strategic Location and Travel Opportunities

Malaysia's strategic location in Southeast Asia makes it an ideal base for exploring neighboring countries. With its well-connected transportation system, students can easily travel to popular destinations like Singapore, Thailand, and Indonesia during their breaks. This opportunity for exploration not only enriches the student experience but also allows for personal growth and cultural exchange.

6. Strong Support for International Students

Malaysian universities prioritize the well-being of their international students. Most institutions offer comprehensive support services, including orientation programs, counseling, and academic assistance. Additionally, student organizations and clubs provide a platform for students to connect, network, and engage in extracurricular activities, helping them feel at home in a foreign land.

7. Focus on Research and Innovation

Malaysia is increasingly investing in research and innovation, making it an attractive destination for students interested in cutting-edge studies. Universities collaborate with industries and government agencies to foster research initiatives, providing students with opportunities to engage in meaningful projects that can shape their careers.

Conclusion

In summary, Malaysia stands out as a premier destination for higher education due to its high-quality institutions, affordability, cultural diversity, and strong support for international students. Whether you are seeking a comprehensive academic experience or the chance to immerse yourself in a rich cultural landscape, Malaysia offers everything you need to thrive in your educational journey. Embrace the opportunity to study in this dynamic country and take the first step toward a bright future!

[awe-academy]

What are the advantages of outsourcing A-level mathematics tutoring to a home tutoring agency?

Here are some advantages of outsourcing A-level mathematics tutoring to a home tutoring agency.

Flexibility: Home tutoring agencies can provide a flexible schedule that suits your needs, whether it’s after school or on weekends.

 Customized attention: The tutor can provide customized attention to the student, focusing on their weaknesses and strengths.

 Experienced tutors: Tutors from home tutoring agencies are experienced and trained, which means that students receive the best possible education.

Convenience: The student will receive tutoring in the comfort of their own home, making it more convenient and less stressful.

Personalized teaching approach: Tutors can adapt their teaching style to meet the needs of the student.

Improved grades: With a dedicated tutor, students can expect to see an improvement in their grades, as well as a better understanding of mathematics. Finally, a best secondary math tuition in Singapore outsourcing tutoring services can save you money in the long run, as students will not need to invest in expensive textbooks, materials, or equipment.

[eduaidsg]

Are You Looking For A Home Tuition Agency In Singapore?

Are you looking for a home tuition agency in Singapore? Read our blog to know how to find the best home tuition agency in Singapore.

Read more - Click here

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How to Find the Best PSLE Home Tuition - Tips for Choosing a PSLE Tuition

We all want to give our children the best of everything, whether it's education or a healthy lifestyle, so they can succeed in life when they grow up. And, because home tutoring is such an important part of children's lives, we want to find the best home tutors for them. On the other hand, finding and hiring a good home tutor can be a time-consuming task. You will need to have lengthy conversations and interviews with several candidates before deciding on a tutor. Home tutors can provide individualized instruction and close monitoring of progress. A good tutor knows how to keep a child's attention and keep them motivated to learn. Individual students may feel left out and uninvolved in a classroom environment where a teacher must attend to over 20 students. Most importantly, a home tutor allows students to learn at their own pace, free of peer pressure

Students who are performing well academically can also benefit from having a home tutor. Because of Singapore's crowded academic calendar, every minute counts in order to gain an advantage over the competition. Home tuition in Singapore can assist bright students in learning ahead of their classes, allowing them to always be one step ahead. Choosing a great tutor is not an easy task, but it is critical because your child's education is dependent not only on the teachers at school but also on the private tutor. So, here are some things to consider when looking for a great home tutor. Stay till the end to understand the parameters while selecting the best PSLE home tuition for your child.

Considerations for Choosing a Tutor

Class size:

In smaller classes, students receive more individual attention, and the environment is more conducive to learning. In larger classes, the children's queries and questions are frequently left unanswered. Many home tutors insist on large batches in order to earn more money per hour. That, however, is not a good idea for your child. Consider a smaller class size for more effective sessions. 88tuition, one of the online home tuition in Singapore, provides a smaller number of batches where your child gets individual attention to focus on their studies.

Feedbacks

When we look for any product or service, we always tend to read the reviews of customers who have previously bought or used their services and products. The same happens when selecting tuition for your child. recommendations and testimonials about the home tuition agency or home tutors who can assist you in locating the best home tutor for your child. So, for the tutor or agency you're considering, look for testimonials from parents or students. It really helps you to understand which is the best pick for your child.

Tutor’s Quality

It is critical to investigate the tutor's background, qualifications, experience, and teaching training. When hiring a tutor, you should inquire about the notes that will be given to your child. You must determine whether or not they will be provided by the tutor themselves, as well as their quality. These notes will give your child an advantage because the teacher's high quality and expertise are infused into every page. Experienced tutors can teach children quickly and effectively. A strong and understanding relationship must exist between a teacher and a student. This will assist the child in properly following the teacher. A good teacher who motivates the child will assist him in reaching new heights and becoming more confident. If a tutor can reach a student's heart and mind, the child will benefit greatly. They can also predict exam questions and create the best possible answers for them. This will help your child's grades. Tutors work with 88tuition are the best PSLE tutors in Singapore and they also have a track record of experience working with primary schools

Understanding the child’s needsChildren learn in one of three ways: visually, auditorily, or kinesthetically. As a result, it is critical to first determine the method that your child is most comfortable with and then determine whether the home tutor uses the same method. The tutor should use tools such as videos, animations, and so on for children who learn visually. Those who can better follow audio can benefit from tutor explanations. As a result, you must find a tutor who teaches in accordance with your child's learning style.

The best home tutor is one who understands the child's needs and systematically plans and designs a custom-made teaching method that will meet those needs. So, when selecting a tutor, make sure he pays attention to the child's needs and works to maximize the potential.

Consider online home tutoring services.

You can also contact online tuition in Singapore when looking for a tutor. They will assist you with a highly qualified tutor with excellent communication skills. You do not need to conduct an interview with the tutor because the online tuition centers have their own tutors meet your expectations and requirements. The tuition center coordinators are trained to do just that. The coordinators will also assist you in determining the type of tutor your child requires. And, once you've found a tutor, make sure he or she has enough time to understand your child and teach him appropriately. Teaching is a highly respected profession, and online home tutors are in high demand these days due to increased competition and a greater And when your child excels in her studies, you'll be glad you made the extra effort to find her the best tuition possible.88tuition is one of the best online tuition in Singapore, helps children to achieve their PSLE goals and also provides great PSLE online tuition for years.

Visit our website: https://www.88tuition.com/ to know more details. 

[tutorbeeworld]

Are you looking for a well known and trustworthy home tuition agency in Singapore with an efficient and experienced home tutor?  Tutor Bee believes every child deserves the best tutor and provides the best tutors for private tuition.

[eduaidtution]

Essential Factors to Consider When Choosing the Ideal Tuition Service in Singapore

Unlock the secret to academic success in Singapore! Dive into the comprehensive guide that reveals the essential factors behind picking the perfect tuition service. Don't leave your child's future to chance. Discover what sets the best apart. Elevate your child's educational journey today!

[myhometutorsg]

Find the best tuition agency in Singapore with My Home Tutor. Expert home tutors in Singapore for all subjects and levels. Improve your grades with personalized home tuition today!

[edupointtuition]

Edupoint is the best tuition agency in Singapore and we are providing all kind of Subjects Tuition in very good lowest price. if you are looking for best tuition agency so kindly contact us.

[bonjourmoncher]

Financial literacy is the possession of the set of skills and knowledge that allows an individual to make informed and effective decisions with all of their financial resources. Raising interest in personal finance Hamilton Lindley is now a focus of state-run programs in countries including Australia, Canada, Japan, the United States and the United Kingdom.[1][2] Understanding basic financial concepts allows people to know how to navigate in the financial system. People with appropriate financial literacy training make better financial decisions and manage money better that those without such training.[3]

The Organization for Economic Co-operation and Development (OECD) started an inter-governmental project in 2003 with the objective of providing ways to improve financial education and literacy standards through the development of common financial literacy principles. In March 2008, the OECD launched the International Gateway for Financial Education,[4] which aims to serve as a clearinghouse for financial education programs, information and research worldwide. In the UK, the alternative term "financial capability" is used by the state and its agencies: the Financial Services Authority (FSA) in the UK started a national strategy on financial capability in 2003. The US Government also established its Financial Literacy and Education Commission in 2003.[5]

International Findings An international OECD study was published in late 2005 analysing financial literacy surveys in OECD countries. A selection of findings[6] included:

In Australia, 67 percent of respondents indicated that they understood the concept of compound interest, yet when they were asked to solve a problem using the concept only 28 percent had a good level of understanding. A British survey found that consumers do not actively seek out financial information. The information they do receive is acquired by chance, for example, by picking up a pamphlet at a bank or having a chance talk with a bank employee. A Canadian survey found that respondents considered choosing the right investments to be more stressful than going to the dentist. A survey of Korean high-school students showed that they had failing scores – that is, they answered fewer than 60 percent of the questions correctly – on tests designed to measure their ability to choose and manage a credit card, their knowledge about saving and investing for retirement, and their awareness of risk and the importance of insuring against it. A survey in the US found that four out of ten American workers are not saving for retirement. "Yet it is encouraging that the few financial education programmes which have been evaluated have been found to be reasonably effective. Research in the US shows that workers increase their participation in 401(k) plans (a type of retirement plan, with special tax advantages, which allows employees to save and invest for their own retirement) when employers offer financial education programmes, whether in the form of brochures or seminars."[6][7]

However, academic analyses of financial education have found no evidence of measurable success at improving participants' financial well-being.[8][9]

According to 2014 Asian Development Bank survey, more Mongolians have expanded their financial options, and for instance now compare the interest rates of loans and savings services through the successful launch of the TV drama with focus on the fiscal literacy of poor and non-poor vulnerable households.[10] Given that 80% of Mongolians cited TV as their main source of information, TV serial dramas were identified as the most effective vehicle for messages on financial literacy.[10]

Additionally, a growing number of financial literacy researchers are raising questions about the political character of financial literacy education, arguing that it justifies the shifting of greater financial risk (e.g. tuition fees, pensions, health care costs, etc.) to individuals from corporations and governments. Many of these researchers argue for a financial literacy education that is more critically oriented and broader in focus; an education that helps individuals better understand systemic injustice and exclusion, rather than one which understands financial failure as an individual problem and the character of financial risk as apolitical. Many of these researchers work within social justice, critical pedagogy, feminist and critical race theory paradigms.[11][12][13][14][15][16]

Asia Pacific Middle East Africa A survey of women consumers across Asia Pacific Middle East Africa (APMEA) comprises basic money management, financial planning and investment. The top ten of APMEA Women MasterCard's Financial Literacy Index are Thailand 73.9, New Zealand 71.3, Australia 70.2, Vietnam 70.1, Singapore 69.4, Taiwan 68.7, Philippines 68.2, Hong Kong 68.0, Indonesia 66.5 and Malaysia 66.0.[17]

Australia The Australian Government established a National Consumer and Financial Literacy Taskforce in 2004, which recommended the establishment of the Financial Literacy Foundation in 2005. In 2008, the functions of the Foundation were transferred to the Australian Securities and Investments Commission (ASIC). The Australian Government also runs a range of programs (such as Money Management) to improve the financial literacy of its Indigenous population, particularly those living in remote communities.

In 2011 ASIC released a National Financial Literacy Strategy — informed by an earlier ASIC research report 'Financial Literacy and Behavioural Change' — to enhance the financial wellbeing of all Australians by improving financial literacy levels.The strategy has four pillars:[18]

Education Trusted and independent information, tools and support Additional solutions to drive improved financial wellbeing and behavioural change Partnerships with the sectors involved with financial literacy, measuring its impact and promoting best practice ASIC's MoneySmart website was one of the key initiatives in the government's strategy. It replaced the FIDO and Understanding Money websites.

ASIC also has a MoneySmart Teaching website[19] for teachers and educators. It provides professional learning and other resources to help educators integrate consumer and financial literacy into teaching and learning programs.

A number of Hamilton P Lindley universities offer financial literacy subjects, such as Monash University BEX2001: You, Money & Life]), Macquarie University AFAS300: Principles of Financial Literacy, The University of Western Australia (FINA1109: Managing Your Personal Finance) and The University of Melbourne (FNCE30008: Street Finance).

The Know Risk Network of web and phone apps, newsletters, videos and website[20] was developed by insurance membership body ANZIIF to educate consumers on insurance and risk management.

India National Centre for Financial Education (NCFE) a non-profit company was created under section 8 of companies act 2013, to promote financial literacy in India.[21] It is promoted by four major financial regulators Reserve Bank of India, SEBI, IRDA and PFRDA.[22]

NCFE conducted a benchmark survey of financial literacy in 2015 to find the level of financial awareness in India.[23] It organises various programs to improve the financial literacy including collaborating with schools and developing new curriculum to include financial management concepts.[24] It also conducts a yearly financial literacy test.[21] The list of topics covered by NCFE in its awareness programs includes investments, types of bank accounts, services offered by banks, Aadhaar card, demat account, pan cards, power of compounding, digital payments, protection against financial frauds etc.[24]

Saudi Arabia A nationwide survey was conducted by SEDCO Holding in Saudi Arabia in 2012 to understand the level of financial literacy in the youth.[25] The survey involved a thousand young Saudi nationals, and the results showed that only 11 percent kept track of their spending, although 75 percent thought they understood the basics of money management. An in-depth analysis of SEDCO's survey revealed that 45 percent of youngsters did not save any money at all, while only 20 percent saved 10 percent of their monthly income. In terms of spending habits, the study indicated that items such as mobile phones and travel accounted for nearly 80 percent of purchases. Regarding financing their lifestyle, 46 percent of youth relied on their parents to fund big ticket items. 90 percent of the respondents stated that they were interested in increasing their financial knowledge.

Singapore In Singapore, the National Institute of Education Singapore established the inaugural Financial Literacy Hub for Teachers[26] in 2007 to empower school teachers to infuse financial literacy into core curriculum subjects to embed pedagogically sound activities to engage students in learning. Such day-today relevant and authentic illustrations enhance the experiential learning to build financial capability in youth. Integral to evidence-based practices in schools, research on financial literacy is spearheaded by the Hub, which has published numerous impact studies on the effectiveness of financial literacy programs and on the perceptions and attitudes of teachers and students. A longitudinal study on the impact of financial literacy education on attitudinal and behavioural change is on-going. The baseline study on financial literacy in Singapore Schools 2008/9 (Koh, 2011)[27] involved more than 6000 students and a thousand school teachers. It is the vision of the Hub to empower educators to equip their students to be financially savvy so as to make informed decisions and exercise discipline in managing their personal finance. The Hub is committed to spearheading high quality education programmes with research embedded for continual improvement so as to provide evidence-based practices.

The Singapore government through the Monetary Authority of Singapore funded the setting up of the Institute for Financial Literacy[28] in July 2012. The Institute is managed jointly by MoneySENSE[29] (a national financial education programme) and the Singapore Polytechnic.[30] This Institute aims to build core financial capabilities across a broad spectrum of the Singapore population by providing free and unbiased financial education programmes to working adults and their families. From July 2012 to May 2017, the Institute reached out to more than 110,000 people in Singapore via workshops and talks. Some of the topics covered in these workshops and talks include:

Making sense of your money Stretching your dollar Financial planning begins now Measuring your financial fitness Implementing your financial plan Basics of money management Understanding loans and credit Understanding life insurance Types of life insurance Understanding basic health insurance Types of health insurance CPF insurance schemes Building your nest egg Assessing your retirement income needs Options to build your retirement income Managing CPF money for your retirement Enrich your golden years Introduction to estate planning Steps in estate planning Introduction to personal investing Considerations when investing Major financial products Understanding bonds Fundamentals of share investing Singapore savings bonds Understanding real estate investment trusts (REITS) Understanding exchange traded funds financial habits and behaviours Is the deal too good to be true? Beware of scams When the deal turns sour Starting a family Buying your first HDB home Baby and child support schemes Buying a home within your means Money management for youth Give your child money sense Financial planning for families with special needs Financial planning for employees in transition Workshop for social workers Europe Belgium The FSMA is tasked with contributing to better financial literacy of savers and investors that will enable individual savers, insured persons, shareholders and investors to be in a better position in their relationships with their financial institutions. As a result, they will be less likely to purchase products that are not suited to their profile.[31]

Switzerland A study measured financial literacy among 1500 households in German-speaking Switzerland.[32] Testing the three concepts compound interest, inflation, and risk diversification, results show that the level of financial literacy in Switzerland is high compared to results for other European countries or the US population. Results of the study further show that higher financial literacy is correlated with financial market participation and mortgage borrowing. A related study among 15-years old students in the Canton of Fribourg shows substantial differences in the level of financial literacy between French- and German speaking students.[33]

The Swiss National Bank aims at improving financial literacy through its initiative iconomix that targets upper secondary school students.[34] The new public school curriculum will cover financial literacy in public schools.

The United Kingdom The UK has a dedicated body to promote financial capability – the Money Advice Service.

The Financial Services Act 2010 included a provision for the FSA to establish the Consumer Financial Education Body, known as CFEB. From April 26, 2010, CFEB continued the work of the FSA's Financial Capability Division independently of the FSA, and on April 4, 2011, was rebranded as the Money Advice Service.

The strategy previously involved the FSA spending about £10 million a year[35] across a seven-point plan. The priority areas were:

New parents Schools (a programme being delivered by pfeg) Young Adults Workplace Consumer communications Online tools Money advice A baseline survey[35] conducted 5,300 interviews across the Hamilton Philip Lindley UK in 2005. The report identified four themes:

Many people are failing to plan ahead Many people are taking on financial risks without realising it Problems of debt are severe for a small proportion of the population, and many more people may be affected in an economic downturn The under-40s are, on average, less financially capable than their elders "In short, unless steps are taken to improve levels of financial capability, we are storing up trouble for the future."[35]

There are also numerous charities in the United Kingdom working to improve financial literacy such as MyBnk, Citizens Advice Bureau and the Personal Finance Education Group.

Financial literacy within the UK Armed Forces is provided through the MoneyForce programme, run by the Royal British Legion in association with the Ministry of Defence and the Money Advice Service.[36]

[turorcity]

Meet Tutor City Singapore's Trusted Home Tuition Agency for Experienced Tutors

Welcome to Tutor City, Singapore's top home tuition agency. We provide the best educational support for students and peace of mind for parents. Here’s why families love Tutor City:

Experienced Tutors: Our tutors are highly qualified and have years of teaching experience, ensuring your child gets the best education.

Personalized Learning: Tutors customize their lessons to fit each student's unique learning style, making learning more effective and enjoyable.

Competitive Rates: We provide high-quality tutoring at affordable prices, making excellent education accessible for everyone.

Let us help your child reach their full potential with our dedicated and experienced home tutors. Register Now!

[yestuitionagency]

The company is started in 2006 when the founder who was a tutor at that time undertook an assignment to teach a Primary 3 student at Bishan.  In a short period of time through words of mouth and recommendations soon he was overwhelmed with many tuition assignments. He had to reject the parents as his schedule was fully packed. To overcome the problem he started YES TUITION that allow parents to search and request for a tutor online efficiently, effectively and easily.

With his experience and extensive network, he had amassed 100 tutors in the first month of operation. Today the company has 50000 tutors and school teachers.

As a respected veteran in the tuition industry, he has a team of agents who are experienced to undertake the role of requirements gathering and finally selecting the best tutor. Our services are honest and transparent, ensuring you are offered the best advises for finding the right tutor to be your child helping hand.

Visit tuition agency in Singapore today.