Search the Community

...to stop lying. http://www.asiaone.com/News/Latest%2BNews/...729-362053.html AsiaOne Sunday, Jul 29, 2012 SINGAPORE - Mr Kelvin Ong Wee Loong, the founder of AristoCare centre, charges a whopping $250 per lesson for parents of primary school students looking to clinch a place in the coveted Gifted Education Programme (GEP). GEP is a highly selective academic programme in Singapore, designed to identify the top 1 per cent of students from each academic year. On his website, the 36-year-old claimed he was previously from Clementi Town Primary before being admitted to Anglo-Chinese School's (Primary) GEP in Primary 4. He further stated that he went on to attend Anglo-Chinese Junior College and the National University of Singapore, before becoming a teacher in the GEP programme at his alma mater. However, checks by the Ministry of Education (MOE) revealed that Mr Ong was neither ever a pupil nor teacher in the programme, The Sunday Times reported (SUT) He is not even a qualified teacher, and according to ACS (Primary), not even a student of the school. MOE was alerted to the claims when SUT ran a report on parents sending children for costly tuition, where Mr Ong was featured as a highly sought after tutor. In response to the revelations, Mr Ong said it was his mother who told him that he was from the gifted programme and he could not verify it because he does not have the records from the past. [laugh] Knn, he himself dunno wan meh? What kinda lousy liar is this? He has since cleaned up his website and now claims that he was a relief teacher at ACS (Primary) from 2002 to 2003 and 'helped out' with the gifted classes. Lobang pichar still want to lie somemore. However, this too is being disputed by the ACS (Primary), which said that a check with all its long-serving teachers revealed that there was never a Kelvin Ong who taught there as a relief teacher. This is not the first time Mr Ong has faced allegations of misleading claims. Two parents have asked him to remove positive testimonials supposedly written by their children, saying that their children never wrote them. In 2010, Mr Ong also got into hot water with MOE for selling fake 2009 GEP Screening and Selection Test papers. [email protected] Who bring their children to this fark dup centre? I wonder why MOE do not shut down his centre and blacklist the liar. Should sent him to jail for fraud.

ok thread shifted.....to poll thjread....basket unitd...make me busy...i bad mood.....i watching u...muahahaha http://www.mycarforum.com/index.php?showto...2690266&hl= closed

He has been living in high live, got a beautiful wife, nice car and the respect of his community. Out of sudden, his world seems to crumble. Politics? His own ineptness? Mismanagement of wealth? Yet to be seen. Source : EDMW

Blatantly smoking while seated. Told him no smoking n to move 5m... Still wan argue n say why? Told him move now or I bring u down ... Ll moved Other ppl state for f there...knn Would u do the sane? He had that ql face like 20g...

By the eminent and erudite Vincent Wijeysingha. It's time for us to take a deep and closer look at ourselves. https://www.facebook.com/notes/vincent-wije...517597378258190 The government has acted in our name as is its duty. It purged an industrial action and returned the nation to business as usual. The bus drivers from SMRT recklessly involved themselves in an illegal strike after refusing to bring their grievances to management or their trade union or seek the assistance of the Manpower Ministry. Twenty-nine have been deported, one hundred and fifty more issued a police warning and the five ringleaders will be tried. Industrial harmony has been restored, the tripartite relationship upheld, and public disorder averted. As fortunate citizens of this prosperous and stable nation, we can heave a sigh of relief. Those refractory foreigners got what they deserved. How dare they come to our land - which our government built from a fishing village - and demand such indulgences as suitable accommodation and an equal wage. Nobody promised them any of that: if they aren

For those bros who have children, no matter they are still kids or already teens today, there is something they have said or done that made our day as parent.... and also things we hope they will do / say to warm our heart. When my boys were young, the birthday or father day cards they DIY always made me feel very very good....

Dont Get S c r e w e d A good housing agent should have all the relevant information you need at their fingertips - but are they telling all? Wed, Sep 21, 2011 Home & Decor By Stella Thng Buying or selling a home is one of the most expensive, complicated events in your life, no thanks to the ever-changing government regulations. Whether it's your eligibility for a loan or the bewildering range of seller's stamp duties depending on your occupation period, it can all snowball into one huge headache. So, most of us shell out good (commission) money for a property agent hoping to tap into their expertise to buy that dream ?home at a bargain or sell your property at a premium. Housing agents might have the industry knowledge to help you make a good deal, but be aware of what they're not telling you, too. 1. The HDB does not require you to engage a property agent Many first-time home-buyers do not know this. When adjunct lecturer Tang Xueling bought her first HDB flat a decade ago with her husband, they didn't have an agent and the seller's became theirs by default, picking up an easy commission. They had no idea then that if they were willing to handle the paperwork themselves, they wouldn't even need to pay for an agent. "Since Jan 1, 2011, agents may only collect a commissionfrom one party even if he represents both. This prevents any conflict of interest," says Kelvin Fong, a top-ranking group district director at PropNex, who leads over 1,200 real estate agents. Generally, it is not difficult for buyers to represent themselves as long as they work closely with the seller's agent to prepare all the necessary documents. But sellers who want to cut out the middleman may find it more daunting. They have to market the property, screen enquiries and organise viewings. Even if you make a successful sale, there's the complicated paperwork and various deadlines to deal with. Marcia Lai, director of Faith Property Network, an associate company of international real estate company Re/max, explains: "Many sellers may lack the technical know-how, especially about the new HDB regulations introduced recently." This may delay the completion of the transaction and affect the hand-over date. For some sellers, saving that few thousand dollars in commission is not worth the hassle. What about buying a resale private property? Since buyers do not have to pay commission, your agent will collect a co-broking commission from the seller's agent. You get someone looking out for your interest, so why not? 2. It's better to sign with an exclusive agent (but only if he's the real deal) Exclusive contracts last three months and the commission for selling a HDB or private property is usually one to two per cent of the selling price. Marcia says that sellers usually fare better when they work with a trusted exclusive agent. As he will handle all enquiries, he is in a better position to secure the highest possible price. "When too many agents are marketing the same unit, some may try to close the deal quickly by persuading you to grab the first offer instead of waiting for a better price," she says. According to Kelvin, an exclusive agent should provide all forms of media exposure such as classified newspaper ads, online or by printing brochures. He should also be part of a network of agents who help each other by finding the right buyers for their clients' property, and be open to co-broke with other agents who can fetch a good price. If you suspect that your agent is not performing, ask to see proof of his marketing efforts. You can break the contract if he can't back up his promises. To weed out rogue agents and protect buyers and sellers, the Council for Estate Agencies (CEA) implemented new guidelines which came into effect from August 1, 2011, with eight templates for contracts that agents must use for the sale, purchase or lease of properties. CEA also spelled out the proper use of these forms as well as commission clauses, disclosure requirements and co-broking clauses. 3. Your property may be used as a 'showflat' Should sellers go with an agent who claims to specialise in your area? His experience may come in handy, but he is probably also marketing several units in the neighbourhood - and they're all your competitors. In the worst-case scenario, your home may be used as a "showflat" as homeowner YS Liang discovered. "Weekend after weekend, our agent would bring a stream of people to speed-visit our apartment, leaving within minutes. She didn't even try to promote our apartment. It felt like we were just one of the many tour stops for her clients," he complains. According to Kelvin, other agents could also make use of your agent's listings. "If your pricing is on the high side, these agents may use your home to convince their buyers why they should buy another apartment." To counter this, Kelvin says it is crucial for your agent to offer a current market analysis before putting up your home for sale. "This helps you price your property correctly and realistically." 4. An experienced agent can help with your financial planning Your property has appreciated but until you sell it, you're just sitting on paper gain. "Property is the biggest asset for most Singaporeans, so you should leverage on it to create more wealth. The problem is that many agents keep asking the seller to sell, but do not help to plan what you can do with the profits," laments Kelvin. His suggestion? Cash out and use part of the profits as downpayment for a new home. Invest the rest in another property to collect rent. Buyers can borrow up to 80 per cent of the price of their first private residential property, and 60 per cent for the second. Kelvin points out that there is no such cap for commercial properties as long as you meet the bank's loan criteria. 5. There's little your agent can do once the deal is done You've excitedly moved into your new crib, only to realise that the air-con isn't working and the plumbing is choked. Can your agent negotiate with the seller to pay for the repairs? Sorry, his hands are tied. Once you put down the one per cent option fee to hold down a private property, you have to accept its condition as it is when you move in - faulty air-con, choked toilet and all. Get around this by asking your agent to include a final inspection clause in the option-to-buy letter. HDB flat buyers automatically enjoy this safety net. "There is a final inspection of the property two days before the completion of all HDB transactions. If the air-con is faulty, you can request the seller to repair it," says Kelvin. What happens if your seller backs out of the sale and refuses to return your deposit? Marcia shares an example that happened to her friend. During the second appointment at HDB, he learned that the seller had not paid his monthly instalments and Town Council fees for over a year, and the transaction could not be completed. "Although my friend offered to clear the Town Council arrears, the seller changed his mind and said he'd rather let the HDB repossess his home. He had also spent the $5,000 deposit and blatantly said he was too broke to ?pay back the money," recalls Marcia. Unfortunately, agents do not have the authority to check on a seller's records with the HDB or the Town Council, which might help to flag such potential high-risk cases. Often, they are as much a victim of the unscrupulous seller as the buyer is. In this case, both the seller's and buyer's agents could not collect any commission as the sale did not go through. Your agent's role is purely as a middleman to facilitate the transaction. Once all the paperwork is processed, his job is done. Having said that, "A responsible property agent must help his buyer look out for all potential risks and not just think of making a quick commission. If your buyer is unhappy, the problem will come back to you," advocates Kelvin. Whether you hire an agent or not, property investment is an expensive business, so always do your own research. Buyers can check out recently transacted prices of HDB and private properties at www.hdb.gov.sg or ura.gov.sg before setting their budget or selling price. Visit the unit at different times of the day and observe the neighbourhood. If possible, speak with the neighbours to get a better feel of whether you and your family will fit in. It is also a good chance to find out if your seller has a dubious past. Be Informed Still game to go agent-less? Pick up tips at the "Resale Seminar for Buyers and Sellers" organised by the HDB. It costs $25 per person and sessions are conducted in English, Chinese and Malay. The next English session is on September 3 at HDB Hub. Register online at the HDB website, at HDB Hub or any HDB branch office

I wonder if such a thing would happen to car insurance. Insurer cancelling your policy to avoid paying. Insurer told to pay $600,000 deposit to defend suit By K. C. Vijayan, Law Correspondent 1 July 2011 AN INSURER, which cancelled a policy taken up by a jeweller after the shop suffered an $857,000 loss in an armed robbery, was ordered to pay 70 per cent of the sum, about $600,000, as a deposit with the court - if it wanted to defend the suit. Liberty Insurance has until July 8 to pay the deposit, or judgment would be given to Yong Sheng Goldsmith, said High Court Assistant Registrar Fong Mian Yi in a judgment released yesterday. The jeweller in New Upper Changi Road had sued Liberty for $857,000 - the value of gold jewellery items lost when three armed men staged a lightning grab-and-go raid in April last year. Yong Sheng, which sells gold and diamond jewellery and precious stones and also makes jewellery, had paid about $15,000 a year in premiums to cover all stock and merchandise used in the business. Under the policy, first taken up in 2003, the insurer was to indemnify the jeweller for losses suffered as a result of a hold-up or armed robbery, up to a policy limit of $3 million. The insurer's loss adjusters assessed the market value of the gold seized at $857,441. Yong Sheng notified the insurer's agent, Mr Johnny Tan, of its claim for reimbursement, but was told, some seven months later, that the policy had been cancelled. Liberty claimed Yong Sheng had failed to inform the insurer that its business had been disrupted by loan sharks on five occasions, between October 2009 and March last year, before the commencement of the policy. Liberty returned the $14,996 annual premiums paid. Yong Sheng, represented by lawyers Charles Phua and Stephen Cheong from Tan Kok Quan Partnership, refused to bank in the cheque and pointed out that the loan-shark incidents occurred after the policy was signed. The jeweller's director, Mr Lim Chow Kiat, also informed Mr Tan when the loan-shark harassments occurred. The police officer investigating the case also told Yong Sheng that the harassments were not linked to the armed robbery. The insurer, defended by lawyer N.K. Rajarh, argued that the last page of the proposal form carried two dates - Oct 13, 2009 and Nov 16, 2009 - and by the latter date, Yong Sheng would have known it had been subject to loan-shark harassments. However, Yong Sheng's copy of the form showed only one date - Oct 13, 2009. The jeweller was perplexed by the two dates on the insurer's copy, pointing out this issue had not been brought to its attention until the hearing day. Assistant Registrar Fong said the inclusion of the later date - Nov 16, 2009 - on the defendant's copy 'appears extremely shady and looks like an afterthought'. 'This is especially so given the very narrow space into which the date was squeezed. It is also illogical the proposal form should bear two dates.' She called this defence 'exceptionally dubious'. However, as neither side could explain the discrepancy or the circumstances surrounding the two dates at this stage of the hearing, a summary judgment against the insurer was not possible without a proper probe into the facts. The Assistant Registrar also found that as Mr Tan was an agent of the insurer, his knowledge of the harassment incidents was taken to mean the insurer also knew.

news ticker from CNA

http://www.channelnewsasia.com/stories/sin...1080401/1/.html IRs told to stop free shuttle services immediately By Dylan Loh | Posted: 10 September 2010 1747 hrs SINGAPORE: The Casino Regulatory Authority has issued directives to the integrated resorts to stop their free shuttle bus services with immediate effect. Resorts World Sentosa (RWS) said at a media briefing that it received the directive at noon Friday. RWS had originally planned to stop its bus services plying housing estates on Sunday night in response to concerns that these may entice more to visit its casino. RWS said its priority now is to inform the public there will no longer be free shuttle services. Visitors to RWS were surprised by the sudden move. Speaking to Channel NewsAsia, many like Serene Tan said they were upset as they had to get home by other means of transport. The 53-year-old retiree, who was hoping to enjoy herself with her family at the RWS this Hari Raya holiday, said: "We were very shocked....What happen to those old folks who came together with us by the (free shuttle) bus? They'll be very shocked and surprised too, right, very disappointed. For those who come here and gamble, they'll feel that (there's) more reason for them to stay behind and gamble since there are no more free shuttle (buses) back." There is, however, another dimension to this issue. Some have said that it is alright to have free shuttle bus services to the integrated resorts as long as people are brought to the entertainment outlets and not the casino. But take a look at the layout of Resorts World Sentosa, for example. The entertainment outlets are situated all around the casino. So even if a visitor does drop at the resort to catch a show, the gambling tables are not too far away. When asked about potential losses, RWS said about 5 per cent of the casino's daily visitors travel there by the free shuttle services, so the Casino Regulatory Authority's move will not have great impact on its business. But things are different for the bus operators. Channel NewsAsia understands the RWS dealt with five bus operators and awarded monthly contracts for their services. One of the bus operators estimated potential losses of S$1.5 million. A Transit Network Consortium spokesperson said the company might even have to retrench staff. Separately, the Marina Bay Sands integrated resort has also stopped its free shuttles which service certain hotels. - CNA/ir

Today i sat in my Uncle's taxi and we began to have a small conversation..... Because i am still a P Plate so he share with me more about some issues on road... I couldn't remember the whole conversation but roughly some of the conversation: If the road limit is 70km/h, you will be save so long as you driving under 80km/h, If the road limit is 80km/h, you will be save so long as you are driving under 90km/h, If the road limit is 90km/h, you will be save so long as you are driving under 100km/h..... In those cases, he also mentioned that this theory also applies to even speed catching cameras...... If that is the case, i am wondering why the LTA didn't set a proper standard speed limit in the first place?

Sat, Feb 20, 2010 Reuters DETROIT/LOS ANGELES - The largest US auto insurer alerted regulators earlier than first believed about a worrying trend of accidents involving Toyota Motor Corp vehicles, while the Obama administration's top transportation official said on Friday he would not relax pressure on the carmaker. Both developments came as Toyota's president, Akio Toyoda, readied to fly to Washington in an extraordinary appearance to answer questions from lawmakers next Wednesday about the safety crisis that has engulfed the company founded by his grandfather. State Farm, whose records have been sought by two congressional committees investigating recalls and complaints related to unintended acceleration in Toyota cars and trucks, revised its report on Friday of when it notified the government about certain Toyota claims activity. The insurer said earlier this month it had contacted the National Highway Traffic Safety Administration in late 2007. However, prompted by the public interest in Toyota, the insurer reviewed its records again and has now found that it contacted safety regulators initially in 2004, State Farm spokesman Phil Supple said in an emailed statement. The information has been sought by House of Representatives committees probing questions around recent recalls of millions of Toyota vehicles related to loose floor mats that can jam accelerators and gas pedals that do not spring back as designed. The government believes five crash deaths are linked to unintended acceleration and are investigating consumer complaints alleging up to 29 other fatalities since 2000 could be linked as well. Regulators have not linked any deaths to the "sticky pedal" problem. The first of three congressional hearings takes place on Tuesday but much of the focus for the moment has settled on the second hearing, the next day, when company president Toyoda is scheduled to testify. Toyoda said he intends to provide a "sincere explanation" to the House Oversight and Government Reform Committee of problems that led to the string of recalls since late last year. Toyoda's decision on Thursday to accept a congressional request to testify ended days of uncertainty over how the company would ultimately respond to calls that he come to the United States to address safety questions. The media-shy Toyoda, who took the top job last June, originally said he had no intention of appearing before Congress himself, drawing criticism from industry analysts and Japanese politicians. Even if Toyoda's appearance before the Oversight panel goes well, the carmaker still has problems to overcome from engineering challenges to lawsuits to restoring brand image. Toyota's stock has fallen 22 percent since January 21, erasing more than $30 billion in market value. US Transportation Secretary Ray LaHood said on Friday that he is "very pleased" he will be able to meet Toyoda next week, and that the government has no intention of turning down the heat on the automaker. "We at DOT (the Department of Transportation) and we at our safety agency (the National Highway Transportation Safety Administration) will continue to work 24/7 and we will not sleep until every Toyota is safe for every American who owns one," LaHood told a news conference in Los Angeles. Congress is examining several issues in a string of Toyota recalls that date to September. A priority of lawmakers is how Toyota and NHTSA handled complaints and other matters related to unintended acceleration, whether the recalls were done swiftly enough, and whether they were sufficient. The Oversight committee will also hear from LaHood and a witness representing the family of Mark Saylor, a California highway patrol officer killed along with his wife, daughter and brother-in-law in an August crash that triggered renewed government scrutiny of unintended acceleration. Toyoda has said the company is investigating the causes of the unintended acceleration and braking that have led to a recall of about 8.5 million cars worldwide. INTENSE PREPARATION Analysts and public relations experts stressed the need for clear and honest testimony from Toyoda. By appearing to dodge questions, Toyoda could further stain Toyota's reputation. "Rather than getting bogged down with the details, I think (Toyoda) should use this as a chance to communicate Toyota's corporate philosophy," said Yasuhiro Matsumoto, a senior analyst at Shinsei Securities in Tokyo. "What's missing from Toyota right now is the big picture." Executives giving such testimony should also expect difficult questions, experts said. "The important thing is that they actually answer all questions and don't dodge or run away," said Shoichi Yoshikawa, chief executive of public relations firm Hill & Knowlton Japan. Toyoda, 53, will have to craft and deliver a message that resonates with millions of consumers, investors, employees and lawmakers around the world. He is likely to undergo intense preparation. Toyota may hire lawyers to drill him with mock questions, one consultant said. A company source said it had not yet been decided whether Toyoda would speak in Japanese or English, but the company has already contacted some translation companies. In addition to the recalls over unintended acceleration, a separate recall is under way to fix software controlling the brakes on Toyota's iconic Prius hybrid. Regulators have also begun a preliminary investigation into complaints about steering problems in late model Corollas. Toyota's safety woes are deepening at a time when automakers worldwide are struggling to emerge from a sharp sales dip that led to the bankruptcies of General Motors and Chrysler.

http://www.straitstimes.com/ST%2BForum/Sto...ory_348514.html I WAS attacked on a train last Friday by a commuter who failed to obtain a seat from me. My assailant pushed me to the ground and pummelled me repeatedly. When I reported the matter at the control booth in the Bugis station, I was advised to seek treatment and lodge a police report. But I did not file a police report after I was told by the officer at the Bedok North station that a report would not help catch my assailant as the police and the train officials could not identify him. This advice was given despite the fact that I had told the woman police officer that I could identify the man easily and that there were many witnesses to the attack. The police officer's reply was that the above was of no help as his actual identity was still unknown. The officer added that I should have used the emergency button to stop the train to allow the train staff to detain the assailant. I find the explanation I was given puzzling. It is absurd that the authorities are unable to investigate an assault in public on a train, and offer little but sympathy over the incident, even if the injuries I suffered were not severe. Poh Yi Hao

Need some advise A friend put $500 downpayment, now want to cancel but told he got the COE. If he insist to cancel possible. Only the $500 downpaymen forfited right?

Need some advise A friend put $500 downpayment, now want to cancel but told he got the COE. If he insist to cancel possible. Only the $500 downpaymen forfited right?

source: http://newpaper.asia1.com.sg/news/story/0,...,143089,00.html?

Bros / Sis(s) Have anyone encounter this before? I was in the lane to go into AYE (Towards Keppel Direction) On my left,a mini commercial mini bus then suddenly cut into my lane and hit me on my left side. He signalled and just cut out so as to go into AYE. The moment, I saw his signal I braked and my vehicle come to a halt. But he was too close to me when he cut in my door and side mirror all kanna. The first thing he said was each pay for each damages. He said lots of things like, he "assumed" I was giving way, then mirrior was shone by the sunlight and cannot see me on the side and cannot hear me horn him, and argued that he was already half way in my lane. The actual thing from me is that once I saw his signal light I hit my brakes till my vehicle came to a halt and watched my side getting hit helplessly. We then moved to the side and he told me cannot claim one. Sure 50/50. Then he keep using words to make me go off from the sence. Had no choice he passed me his vehicle number and hp number. And left the sence as we have alredy caused quite a jam at the location. Now here although he passed me his number, he never agreed to let me claim against him. I have never met an accident before hence I was so blur and not sure what was the right procedure.. Now I only have photos of my ride after the whole accident.Nothing on his van. What can I do here to do my claim against him? Now feel cheated by his words and after explaining to my friends and I confirmed I was doing all the right things to avoid the accident. That is why the damages was minimal to my ride, but just feel unfair to get hit and have to pay for my repairs. What should I do?