Questões para Concursos

Text 1 Structure of education in Singapore The complete control and management of Singapore’s education is in the hands of the Ministry of Education (MOE). With continuous endeavour from MOE, today Singapore can be considered to have a strong and well-reputed education system. As per recent study Singapore is ranked fourth in terms of World’s Best Education System. The preschools are run by the private sector, including religious bodies, community foundations, business groups, etc. However, every preschool need to register itself with the Singapore Ministry of Education before being functional. After completion of 6 years of primary education, students have to appear for a Primary School Leaving Exam (PSLE). All those students who passed the exam are admitted in a secondary level course, which is usually completed in 4-5 years. It is similar to attending seventh grade through tenth grade in the American education system. After completion of the secondary education, the students need to appear in Singaporean GCE ‘O’ Level exam. Based on the merit in that exam, students proceed to pre-university education, which is similar to attending eleventh grade and twelfth grade as per the American education system. At this level students can opt for a wide range of subjects from varied academic areas covering Humanities, Arts and Languages, Sciences and Mathematics streams. www.singaporeeducation.info/Education-System/ Structure-of-Education

What is the Difference Between Checking and Savings Accounts? The main difference between checking and savings accounts is that checking accounts are primarily for accessing your money for daily use while savings accounts are primarily for saving money. Checking accounts are considered “transactional,” meaning that they allow you to access your money when and where you need it. While both allow you to access your money, you may consider it easier to do so with checking accounts. Since these accounts are designed to give you easy access to your cash, they often come with debit cards, checks, and even offer digital payment options.

In contrast, savings accounts have a limit on the number of withdrawals you can make each month. While checking accounts are convenient for daily cash needs, it’s important to remember that they may be age restricted. Most banks won’t allow people under the age of 18 to open a checking account without a parent or legal guardian as a co-owner of the account. Before opening a checking account, make sure that its terms fit your financial needs and your lifestyle.

When it comes to setting aside money for a longterm need or goal, you should consider a savings account. Savings accounts are designed to hold money over a long period of time to help you save for larger goals (rather than everyday purchases). As your money stays in the account, it will accrue interest and grow over time. This means that you will need to visit your bank, set up a transfer online, or make an ATM withdrawal to access your money. Keeping some of your money in a savings account is a great way to set it aside for emergencies or large purchases – its limited access will keep you from spending it on day-to-day necessities.

There are also dedicated savings accounts for kids, though a parent or guardian is usually required as a joint owner. (Adapted from: https://www.santanderbank.com/personal/resources/checkingsavings/difference-between-checking savings#:~:text=The%20main%20difference%20between%20check ing,and%20where%20you%20need%20it)