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Hi all, as above question........ say i got $50k cash, which FD account has highest interest? pls dun tell me about whatever investment scheme or whatnot.... not interested in investments for this sum of $$.

I'm looking to change my bank home loan. (private housing) based on today's interests rate, anyone can recommend a bank who can offer a better deal? Income level and other criteria, sure meet the requirements. Loan amt, only $930k Current bank is UOB on FD rate package.

MUMBAI: There was the $400 airplane seat that plummeted to $40. Then there was the $2,000 laptop reborn for $200. And now the $25,000 car has a $2,500 cousin. Every now and again in business history, a disruption comes along that breaks the conventional wisdom about cost, tweaking and paring features once thought untouchable. Likewise, the $2,500 car, scheduled for introduction Thursday by the Indian company Tata, swims against the current, with a rear-mounted engine, a trunk that fits little more than a briefcase, and plastics and adhesives replacing metal and bolts in certain nooks. (Some analysts expect the car to be priced closer to $3,000, still making it the cheapest on earth.) But the still-untold story of how the Tata car was built is less about big-bang innovations than about a long string of $20 trims: a steering-wheel shaft rendered hollow here, a small headlight leveler removed there, the use of an analog speedometer less accurate than its digital equivalent. The car is thus a triumph, not of one great invention but of a new engineering philosophy rising out of the developing world, with potential to change how cars everywhere are made, industry experts say. Just as Japan popularized kanban (just in time) and kaizen (continuous improvement), so Tata may export to the world what can perhaps be called "Gandhi engineering" - a mantra that combines irreverence toward established ways with a scarcity mentality that spurns superfluities. "It's basically throwing out everything the auto industry had thought about cost structures in the past and taking out a clean sheet of paper and asking, 'What's possible?' " said Daryl Rolley, the head of North American and Asian operations for Ariba, which provides parts for Tata and other auto makers like BMW and Toyota. "In the next 5 to 10 years, the whole auto industry is going to be flipped upside-down.";

http://www.asiaone.com/singapore/joanne-peh-involved-accident-gets-offers-car-repairs-and-insurance-scene Am I right to say there are tons of commission based insurance referral claims out there which I’m missing?

https://www.youtube.com/watch?v=boT2JOc0njM&feature=youtu.be Many pet owners dread the process of bringing their pets for grooming, as travelling and waiting for the grooming service can easily take up half a day, a luxury that some busy professionals may not be able to afford. Also, it can be difficult to find a suitable groomer, as some may be rough in handling your pet, which is not something anyone wants to experience. Likeable Pets offers professional mobile pet grooming for busy individuals, to solve the hassle of travelling with your pets to the pet shop for grooming. Likeable Pets' own in-house pet-stylist and groomer has four years of experience in pet grooming, and has a Class C qualification with the Singapore Kennel Club, so you can be sure that they will be gentle when it comes to grooming your beloved pet. To engage Likeable Pets' house-call or mobile pet grooming services, simply book an appointment with them to arrange for a scheduled time and date, and the groomer will arrive at your home or chosen location with the grooming equipment. You will need to provide a suitable area for the grooming to be carried out, and Likeable Pets will take care of the rest, including clean-up of the area after the grooming is done. Why groom at home? Grooming your pet at home saves you time, and offers great convenience and assurance - Your pet gets one-to-one personal attention from start to finish. - You save time on travelling and transporting your pet as our groomer will go to your place at your convenience. - You don't have to leave your pet at the salon for the whole day, which means no stress and no separation anxiety for you and your pet. - There is no chance of exposure to diseases, ticks or fleas that can be passed on from another pet to your pet at the salon. - You get great savings for a household with multiple pets as you only need to pay transportation charges for one trip. - It is great for puppies or kittens that have not completed their vaccinations, as they will not be any exposed to other pets. - It avoids stressing or tiring older pets that may have difficulty walking. For more information, visit their website at www.likeablepets.com, or contact them at 8685 2360.

Hi guys, I am rather new to credit cards and I am wondering is it a good idea to consolidate all the bills into one credit card on the following 2 bills 1) monthly car loan ($700) 2) monthly season parking ($90) Which card can offer the best cashback or offers?? Please enlightened newbie on cc stuff, thanks Cheers and have a great weekend everyone!

http://m.todayonline.com/singapore/singapore-island-country-club-offers-poverty-simulation-programme-members BY FRANCIS LAW [email protected] PUBLISHED: 8:24 PM, FEBRUARY 4, 2016 UPDATED: 10:50 PM, FEBRUARY 4, 2016 SINGAPORE — At one of Singapore’s most prestigious country clubs, members will have a chance to see life from the perspective of those living on the poverty line, through a workshop conducted by a voluntary welfare organisation (VWO). Called a poverty simulation exercise, the workshop was advertised in the Singapore Island Country Club’s (SICC) members magazine, and is set to be held next month. Typically conducted for schools and volunteers, it is the first time Methodist Welfare Services (MWS) is holding the workshop for a country club. Participants will be called upon to role-play and manage challenging scenarios, like supporting a family and making ends meet on a meagre income while juggling health issues. An MWS spokesperson, responding to queries, said the programme aims to stir compassion and nudge participants towards doing more for the community. “Based on real-life family profiles, the poverty simulation exercise helps participants to be aware of situations and the consequent hard decisions that people living in poverty have to face every day,” the spokesperson said. SICC members TODAY spoke to had mixed reactions, calling it a good effort on the part of the club, but pointed out the club could go further and organise more community service activities, for example. One member, Mr Joseph Ng, 54, the chief executive officer of a company in the energy sector, said he hoped the workshop was not a “stunt” and would serve its purpose. “Hopefully somebody (will be) touched, but I’m not so sure about that,” he said. He suggested that club members spend more time on volunteer work instead. “When you go to the homes you actually see the state they are in, you actually see the situation, the circumstances and the environment that they live in, and how people actually live,” he said. Another member, Mr Frankie Lim, 65, felt it was “a worthy cause” that could “highlight the concerns of the poor and to create awareness among members of the public”. “It’s good to start off this kind of thing, so maybe other organisations can follow. They might say ‘hey, since SICC is doing it, why not we do it too’,” he said. Adding that he would consider signing up, Mr Lim said: “For me, I grew up in poverty. We had to give up our bus fares and walk to school just to buy simple luxuries, so I think it will be good to experience what it’s like to be poor now.” Contacted by TODAY on why it decided to hold the workshop, the SICC would only say: “The club organises various programmes and activities to cater to the wide interest of our members.” MWS has been conducting the programme since 2011 for its church members, other VWOs, and schools. Participants are given roles, such as a single parent, or a person living alone. They then go through “four weeks” of the person’s life — spending 15 minutes on each “week” during the exercise on various scenarios that crop up, such as getting their children to school, seeking medical attention and keeping up with bills. For example, they could be “Casey”, a 45-year-old technician working in a small company who has to pay S$200 a week to cover his renovation loan from a bank, while providing for his hearing-impaired wife and two children. The MWS spokesperson said participants who took part in such workshops generally came away with a better understanding of poverty. “They are able to better understand and empathise with the challenges and frustrations faced by people in need,” he said.

Besides Courts and Harvey Norman, what other furniture store offers interest free, credit card instalment plan? Many Thanks!

http://forums.asiaone.com/showthread.php?t=30711 Adult Film Star Healing the Wounds of WW2, One Man at a Time TOKYO, Japan- A Japanese adult film star, Anri Suzuki, says she has been giving out free sex sessions to Chinese students as a way of giving back for Japan

Looking for w50 if possible

A Temasek Holdings Pte unit offered to buy Olam International Ltd. (OLAM) in a bid that values the commodity trader at S$5.3 billion ($4.2 billion), about 16 months after it helped stave off an attack by short-seller Carson Block. Breedens Investments Pte is offering S$2.23 cash per share, the Singapore-based company said today in a statement, a 12 percent premium to Olam’s last closing price of S$1.995. It is also making an offer for Olam’s outstanding bonds and warrants. Temasek, Singapore’s state-owned investment firm, became the largest investor in Olam, one of the world’s top three coffee and rice traders, after concerns raised by short-seller Block in November 2012 caused the stock to plummet. The offer has the support of Olam’s founding family and management, with some agreeing to sell a proportion of their shares to the bidding group. “Temasek is already a large holder of Olam so they probably know the business better than everybody else,” said Robert Aspin, the Singapore-based head of equity investment strategy at Standard Chartered Plc. “The fact that they are willing to pay a premium is indicative of the value that they see in the underlying business.” Olam has rallied 30 percent this year through March 12 in Singapore, compared with a 2.2 percent decline in the benchmark Straits Times Index. The stock, which closed as low as S$1.395 after Block’s attack, reached a near 17-month high of S$1.995 on March 12. An employee walks past the logo of Temasek Holdings Pte at the company's headquarters in Singapore. Group Support Breedens also has an agreement with a group including Kewalram Singapore Ltd., Olam’s founding family shareholder, and 10 Olam executives including Chief Executive Officer Sunny Verghese to not tender their shares until six months after the offer closes, Breedens said in a statement. All totaled they hold 52.5 percent ofOlam shares. Kewalram and three members of key management have agreed to sell a 5.6 percent stake in Olam in acceptance of the offer. Credit Suisse Group AG, DBS Group Holdings Ltd., and United Overseas Bank Ltd. advised Breedens. Breedens doesn’t plan to make any major changes to Olam’s businesses or terminate employees. It also intends to keep Olam as a listed company, unless the minimum float requirements aren’t met, it said. “We believe a successful offer will provide Olam with a stronger and more stable shareholder base to support Olam’s strategy and business model for the long term,” Breedens Director David Heng said in the statement. “We have invested in Olam over the years, and share a common investment philosophy to invest and build for the long term.” Block’s Bet Block said in November 2012 he was betting against Olam because he questioned the trader’s accounting methods and asset purchases, pushing the stock to a more than three-year low in December 2012. Olam rejected the assertions by Block and his research firm Muddy Waters LLC. Block today declined to comment. “Olam has been oversold following the issues raised by Muddy Waters and has bounced back strongly as the company addressed those concerns,” Alan Richardson, a Hong Kong-based money manager at Samsung Asset Management, said by phone before the announcement. As well as adding Olam shares after the Block allegations, Temasek also backed a $750 million bond sale by the commodity trader. Olam said in December 2012 it planned to sell bonds and warrants to address any “lingering doubts” about its finances. The investment firm agreed at the time to buy any rights not taken up by other investors. Olam is a supplier and processor of agricultural products and food ingredients across 16 platforms in 65 countries. Temasek holds 24.6 percent of Olam through its units Breedens and Aranda Investments Pte, and the founding family has a 20.2 percent stake, according to today’s statement.

Hi! Anyone knows where I can get platinum plating service? Purpose is to actually plate the contact surfaces of my distributor to make it more lasting. Then it won't wear out so fast.

http://www.foxbusiness.com/news/2012/03/08...nd-crunch-hits/

As a gesture of goodwill + repentence? Ho Ho Ho.......... Meery Xmas and Happy New Year to all bros

I have a brand new 64gig iphone4s, box opened but nv used before, 1 hr old. which shop offer good price?

Yahoo News Arab diplomat offers S$6,200 for sex By Fann Sim | SingaporeScene

SMRT has offered the Thai teen who lost both her legs in an MRT accident here a compensation of $5,000. However, 14-year-old's father has rejected the amount as it is 'unacceptable'. On April 3, Peneakchanasak Nitcharee pitched forward onto the MRT tracks at Ang Mo Kio station. Since then, she has recovered well in Tan Tock Seng Hospital and has been undergoing physiotherapy. According to a report in The Straits Times today (June 12), Mr Peneakchanasak engaged a lawyer last week to look into getting higher compensation from SMRT. It had offered $5,000, which he has rejected. "Unacceptable. This is for a person, a little girl -- a little girl who had a bad accident. From today onwards, there will be more expenses, like the cost of her new legs and rehabilitation," Nitcharee's upset father told the press. The Thai student will be heading home on Monday (June 13). Her wounds have healed fully, and she now moves around in her new electric wheelchair, bought with donations from the Singapore Rotary e-Club. Said STOMPer christopher of the compensation offered: "It is greatly disappointing that SMRT offered such a low and absurb amount of $5k to the Thai teen. "Surely, we can do better than that. "The $5k cannot even cover basic costs. "Please be more humane."

Source: http://sg.news.yahoo.com/afp/20090113/tap-...at-5a1703c.html SYDNEY (AFP) - - An Australian state is offering internationally what it calls "the best job in the world" -- earning a top salary for lazing around a beautiful tropical island for six months. The job pays 150,000 Australian dollars (105,000 US dollars) and includes free airfares from the winner's home country to Hamilton Island on the Great Barrier Reef, Queensland's state government announced on Tuesday. In return, the "island caretaker" will be expected to stroll the white sands, snorkel the reef, take care of "a few minor tasks" -- and report to a global audience via weekly blogs, photo diaries and video updates. The successful applicant, who will stay rent-free in a three-bedroom beach home complete with plunge pool and golf buggy, must be a good swimmer, excellent communicator and be able to speak and write English. "They'll also have to talk to media from time to time about what they're doing so they can't be too shy and they'll have to love the sea, the sun, the outdoors," said acting state Premier Paul Lucas. "The fact that they will be paid to explore the islands of the Great Barrier Reef, swim, snorkel and generally live the Queensland lifestyle makes this undoubtedly the best job in the world." Lucas said the campaign was part of a drive to protect the state's 18 billion Australian dollar a year tourism industry during the tough economic climate caused by the global financial meltdown. "Traditional tourism advertising just doesn't cut it sometimes and we are thinking outside the box by launching this campaign." Queensland Tourism Minister Desley Boyle said some people might question whether it was risky to let an unknown person become an unofficial tourism spokesperson for the state. "I think the biggest risk will be that the successful candidate won't want to go home at the end of the six months," she said. "This is a legitimate job which is open to anyone and everyone." Applications are open until February 22. Eleven shortlisted candidates will be flown to Hamilton Island in early May for the final selection process and the six month contract will commence on July 1. Job-seekers can apply on . P.S: Anyone wants to try to apply?

http://www.spc.com.sg/promotions/promotion...tails.asp?id=41 Just pumped this afternon So its 9% + 5% POSB Rebate = 13.55%

Supposed continental or Lexus have better stock audio system but below is my understanding: 1.Understand that the standard BMW one is only soso but the Logic 7 is said to be good. 2.Standard Premium Sound System from Volvo is nothing to shout about but the models fitted with Dynaaudio system said to be top notch (BTW,which model or above comes with Dynaaudio system?) 3. Once test drove the new Merc C class and apparently the audio system isn't really impressive...donno if E or S class have a more superior system though? 4. Heard a Lexus GS300 with Mark Levinson system playing CD in showroom and sounds really good! But then, what bout the non-Mark Levinson system with say, Std IS model? 5. What about Audi/Jaguar/Volkswagen? Same audio system across all models or premium audio system for higher model? Good sound or also soso? anyone?

http://www.americanexpress.com/sg/campaign...ffers.shtml#spc [/color] Up to 12% savings on petrol purchases Terms and conditions

Singtel plan offers free iPhone Tue, Aug 19, 2008 AsiaOne Singtel is offering customers a free Apple iPhone if they sign-up for a two-year, $205 monthly SingTel subscription plan. The much sought-after phone will be available in Singapore come Friday August 22. When the new 3G iPhone was released earlier this year in Hong Kong, Japan and New Zealand, fans braved the cold weather and queued up for days to ensure they could get their hands on one. SingTel is the first telco to bring the iPhone into Singpore. Other mobile providers Starhub and MobileOne should be offering the iPhone here by year's end. Existing SingTel customers can also get the iPhone if they sign up for a 24-month, that will run concurrently with their existing plans. Customers on SingTel's iThree Plus which goes for $192.60 a month will also receive the iPhone for free. Those on the iTwo Plus plan will have the option to sign up for a $95 monthly plan on a 24-month contract to get the iPhone at a discounted price of $208 for the 16GB model and $49 for the 8GB model. iTwo Value customers will get the 16GB iPhone for $508 and the 8GB model for $348 if they sign up for a $56 monthly plan on a 24-month contract. iOne Plus customers paying $25.68 per month will have to pay $848 for the 16GB and $698 for the 8GB phone. Sales will begin 'at the stroke of midnight' on Friday at the telco's Comcentre Building, a SingTel spokesman told The Straits Times. Wait for M1 and Starhub?

hi, would like to find out the above. tried occ, $3 for a game for ntuc link card member. Any place that is lower than this? thanks

Website offers ERP rates at click of a mouse AS motorists try to figure out how much more ERP (electronic road pricing) charges they will have to pay from today, one enterprising Singaporean start-up company, PortalOne Pte Ltd, has compiled all the information, superimposed on interactive street maps, on its xxxxxxx.com webpage. Speaking to BizIT, PortalOne founder Evan Lee said that the company's database at the xxxxxxx.com portal allows users to not only find out how to get to a specific destination but also provides other information like location of petrol kiosks, car showrooms, ERP gantries and more. 'Driving directions to your desired destinations are shown in xxxxxxx.com's interactive driving guide and maps in detail,' Mr Lee, who is also the managing director, noted. He added that with the rise of petrol prices, insurance costs and the cost of car ownership in general, many would find the ERP gantry mapping service useful primarily to find out how much the ERP rates are at a specific time before they embark on their journey from point A to point B. He explained that the current map layout with graphical icons representing the ERP gantries would allow users to easily locate gantries that they might be passing through. 'By clicking on the ERP 'gantry', details specific to that gantry will be shown. Information such as timing specific pricing is reflected.' Giving an example, Mr Lee noted that if one were to leave from Zion Road towards Bugis Junction, the map will show that the driver will pass through an ERP gantry along River Valley Road. When the gantry icon is clicked, timings and charges are shown. Thus the viewer will see that from 8am to 8.05am it costs 80 cents to go through the gantry, from 8.05am to 8.30am the charge increases to $1.50, and from 8.30am to 9am drivers have to pay $2.00. 'Just within the half hour, charges have increased by more than twofold the cost of passing through River Valley Road. Hence knowing this information in advance allows car drivers to plan ahead and achieve savings.' While access to the information is free, one of the company's main sources of income is through interactive online advertising sales and marketing activities via the xxxxxxx.com webpage, Mr Lee said. 'What is exciting about our new map service is that it presents a new avenue for relevant, non-intrusive in-map advertising and marketing opportunities to effectively reach out to our current 85,000 visitors a month,' Mr Lee said. He added that the company currently has a working relationship with businesses in related industries and 'will certainly look forward to offer this new product to them in the near future'. Mr Lee said the company uses Google maps as a platform to deliver mapping services. 'However, the mashup information belong to us. We do not have a revenue sharing arrangement with Google, at least not for the moment.' Mr Lee noted that xxxxxxx.com's map service is not a direct competitor to established map players in the market. 'xxxxxxx.com is geared towards car owners and we consider ourselves a niche player with a specific area of focus. 'Our working partners and clients are primarily in the automotive industry and we will continue to work with them to develop more depth in terms of industry specific B2C (business to consumer) services.' He added that the company would continue to develop car ownership-specific and other relevant services on the xxxxxxx.com website for drivers who are its primary users. 'Maps are going to be a common feature and mainstay in the next generation of websites where locations are relevant to them. A good example would be property, travel or even food websites where people could locate buildings, holiday spots and eateries.' To a question, Mr Lee noted that the company has plans to bring its map services on to the mobile platform so that users can use mobile devices to access them. 'Our focus now is to first stabilise our Web mapping service - the map application is still in beta - before bringing it to mobile devices. At the same time, we are also currently talking to technology enablers and vendors to see if our content, research tools and maps can come be integrated on the mobile platform in the near future.' xxxxxxx.com was co-founded by Mr Lee and a former colleague, Charlie Tan. 'The xxxxxxx.com portal was developed ground up, concept, design and code, by myself, assisted by Charlie (Tan) who is my ex-colleague in our days at DSTA (Defence Science and Technology Agency). 'I left employment to work on xxxxxxx full-time some two and half years ago, but it wasn't until late 2006 that we launched xxxxxxx.com to the public as a tool primarily to help people make better purchasing decisions when it comes to buying a car.' He added that the company's start-up capital was just under $10,000. After a couple of years in operation most of the profit is being ploughed back into the company to grow the business, he noted. 'We have had no government grants, assistance or venture funding, but we are open to options going forward in view of bringing the xxxxxxx.com website to the next level,' Mr Lee said. http://www.xxxxxxx.com/maps/index.php

As above i heard price now is $58k What offer's is there available ? cash discount ? of $3K fog lamps 3m solar film free gift like petrol rebate, 1 year road tax ?? what else can i ask for ?