Goals to Financial freedom

My current most important goal that I have now is to be financially independent. I have been dragging on this too long. Arm with no savings.. this is not the route that I would like to head.

Currently I am reading the book from the library
Smart Women finish rich by David Bach. This look really interesting with a program to show how I should start my plan. I have no idea how to go about doing it..

Summarising while reading the book..
under Learn the facts and Myths there is a quote that catches my eyes

A wise woman once said ," It's not what you know that can hurt you but rather what you don's know,"

Dont fall for the common myths about money

Myth no 1- Make more money and you will be rich
this seen logical but what wrong with this myth?

The key to wealth is not finding some quick and easy way to boost your income - its simply the fact what determine your wealth is not how much you make but how much you keep of what you make.

The problem is not in our income, it's what we spend!
The typical 50 year old has less than $10,000 in savings!

Recommend book ; The millionair Next Door written by Tom Stanley,
He interviewed hundreds of millionaires and came up with some findings that suprise.

Here are one Stanley finding that catches my eye

• Millionaires are dedicated investors on average investing nearly 20 percent of their total household income each year




• fully half of the millionaires surveyed never paid more than $399 for a suit




• majority drove older cars




• -------------------

spend more money than you make then you have more problem

Pay off all the credit card debts

Pay all off the loans

My thinking: Change your spending habit - if you cannot control using the credit card. It is better to do without the card.

One of the most fundamental principles of smart money management is self reliance

Dont ever put your entire financial fate in someone else's hands

Myth no 2: My husband will take care of me - cinderella myth

Creating my goal

• Enjoyment


• achievement


• Spending value time with family


• happiness


• Freedom


• security - what is the basic goal that i want to achieve

Find your stuffs - mean all your documents etc

Create the file system below

1. Tax return


2. Insurance


3. Retirement


4. Insurance


5. Children


6. saving accounts


7. Household


8. credit card debt / loan


9. Asset


10. Other liabilities


11. family will and trust


12. Inventory planner

Write your own cheque - you can start with SGD100,000

How to set up a tution centre in singapore

http://www.business.gov.sg/EN/Industries/PrivateEducation/LawsNRegulations/ProvidingChildNStudentCareServices/privateEdu_laws_childStudentCare.htm


You will need to register your business with

i. ACRA (Accounting and Corporate Regulatory Authority, http://www.acra.gov.sg/ ).
ii. MOE's Council for Private Education (http://www.cpe.gov.sg , click on the link "To apply for registration with the Council for Private Education through OBLS" )

You will also need to check and see if your premises has been are approved for educational activities with the URA (http://www.ura.gov.sg/eservices/eservice… )

more detailed information on setting up tuition centres (considered as Academic Private Schools) here: http://www.business.gov.sg/EN/Industries…
Source(s):
http://www.moe.edu.sg/education/private-…
1 year ago Report Abuse

BASC -Student care in Punggol / Seng Kang / Hougang

latest updates on student care: For the last two school holidays on year 2011, I have been placing my little one in Little Professor opposite Hougang Mall. Overall , we are pleased with the school. The kids have the opportunity to have indoor and outdoor activities during the holiday. regardless of the journey for us to travel daily for at least half and hour... I will still consider placing my daughter there.. if there are no changes to their management , teaching style..  moving her out due to placing her in a nearer and full time student care.

Recently I have made some major changes of placing our girl on full time student care, we have place her in AROL at SK. I have to travel daily waking her up early in the morning. It's well worth the effort as I do believe that kids need to be discipline all the time and a good environment with positive influence can cultivate good kids with positive discipline.
We are monitoring on her changes.. She has been there for few months.. Need any comments at the moment do email me quek_cf@yahoo.com . 15-7-12

Now I am searching for the next suitable student care to put my little girl in.
This time, I need to source for a near by one preference in Punggol or sk..
Attached are some information



Student Care Centre Address Ratings
Coney Island Childcare Development Centre 18 Punggol Twenty-Fourth Avenue Singapore 829489
Focus Tutorial Centre 198 Punggol Field Road #02-02 Singapore 820198




Little Professor Education Group Pte. Ltd (NEAREST IN HOUGANG).Tel: 67944711 / 82988871
Email: enquiry@littleprofessors.com.sg
Website: www.littleprofessors.com.sg

ACRA Registration No:200717819D
Blk 711 Jurong West Street 71 #B1-11Singapore 640711See other branches...
Little Professors Education Group stands at the forefront of providing education programmes in Singapore. With rapid expansion plans, Little Professors aims to positively influence the lives of as many children as possible through its Student Care, Enrichment and Tuition programmes. The centre's success is due largely to the efforts of the responsible and caring staff, which focuses on the needs of the pupils. There is a strong culture of continuous learning and sharing among the staff and students of Little Professors Education Group.
Subjects Offered
Primary Level: English, Creative English, Chinese, Mathematics, Science
Secondary Level: English, E/A Mathematics, General Science, Pure / Combined Chemistry & Physics
JC level: Economics, Physics, Chemistry, General Paper, Mathematics

About The Company
Little Professors Education Group Pte. Ltd. was formerly known as Xue Hai Tutorial Centre Pte. Ltd. The company's tagline is "Get SET for Life", which captures the three core business: Student Care, Enrichment and Tuition. Our management team consists of top university Professors with PhD qualifications and ex-school teachers. We cater to students from primary to junior college levels with tutors specializing in all core subjects and languages following the Ministry of Education's latest syllabus. All our in-house Curriculum Specialist teachers are screened and registered with the Ministry of Education (MOE).

Our Management Team
Associate Professor (Dr) Low Boon Yong, our group director, graduated with MBBS from University of Singapore in 1976. He was admitted to the Royal College of Surgeons (Edinburgh) and Royal College of Surgeons (Glasgow) in 1981. He is presently the Senior Consultant in Orthopedic Surgery at Changi General Hospital.
Dr Low served as Associate Dean of the Faculty of Medicine, National University of Singapore from 1998 to 2005. He was a member of the interviewing panel for admission to the Faculty of Medicine, NUS in 2002 and 2003. He was appointed Clinical Associate Professor, NUS in 2000.
Dr Low has been actively involved in the Spastic Children Association of Singapore since 1987. At present, he is serving as Chairman of the Association. Dr Low is also a Board Member of the Children's Charities Association. For his involvement in social work, he was awarded the Public Service Medal in 2002.

Key Differentiating Factors
Our highly formulated success is built on: Quality programmes that are specially designed by our in-house curriculum specialists. We have been featured on newspapers and interviewed on our views and opinions by the media.
We have a team of dedicated teachers to cater to the unique needs of these young minds. The learning process will be enhanced through sophisticated teaching aids and well-designed curriculum which are tailored specially for them.
Unique method of learning

Locations of other branches
Name of Branch
Telephone No.
Address
Little Professors @ Bedok
61005830 (Office) / 91705830
Blk 509, Bedok North Street 3, #01-85 S(460509)
Little Professors @ Bukit Batok
65693400 (Office) / 84281272
Blk 158 Bukit Batok Street 11 #03-216 S(650158)
Little Professors @ Clementi
67772780 (Office) /84281272
Blk 443 Clementi Avenue 3 #01-262 S(120443)
Little Professors @ Chua Chu Kang
67606328 (Office) /92307984
Blk 286 Choa Chu Kang Ave 3 #B1-318 S(680284)
Little Professors @ Fajar
67663818 (Office) /97214369)
Blk 442 Fajar Road #01-482 S(670442)
Little Professors @ Hougang
63876875 (Office) / 83997658
Blk 426 Hougang Avenue 6 #B1-46 S(530426)
Little Professors @ Jurong West St 51
65606984 (Office) / 83994243
Blk 504, Jurong West St 51 #04-215 Singapore S(640504)
Little Professors @ Jurong East
65692129 (Office)
Blk 345, Jurong West St 31 #01-13 Singapore S(600345)
Little Professors @ Kovan / Paya Lebar
63832533 (Office)
Blk 123, Hougang Ave 1, #01-1428 Singapore S(530123)
Little Professors @ Marine Parade
63468061 (Office) / 96133880
1 Marine Parade Central #07-06 Parkway Centre S(449408)
Little Professors @ Pasir Ris
65828250 (Office) / 97548970
Blk 482 Pasir Ris Drive 4 #B1-395 S(510482)
Little Professors @ Pioneer
67942803
Blk 711 Jurong West Street 71 #B1-11 S(640711)
Little Professors @ Tampines
67821866 (Office) / 94578600)
Blk 433 Tampines Street 43 #01-67 S(520433)
Little Professors @ Toa Payoh
63583373 (Office) / 83836777
Blk 206 Toa Payoh North #01-1213 S(310206)
Little Professors @ Woodlands
63647922 / 63647933
Blk 351 Woodlands Ave 1 #01-719 S(730351)

____________________________________________________________________
Dear All, kindly take note that all the information in my blog is for reference only. I am not associate with any of them . I just need some information and think it will be good to compile it up.

I am looking for student care for my little one in Primary one this year. Too bad Mee Toh do not have a inhouse student care like horizon and edgefield primary school.

Below are the compilation of the student care service available .. some recommend by my friends and collegue.

Pro teach have one big branch in Hougang which is greatly recommend... ai yah quite far .. will check it out thou. Must take bus 82 in the morning and my girl will have to sit school bus to school

Punggol/ SK / Hougang
1) ProTeach * (punggol Horizon - not open to us :( , trying out hougang branch or pasir ris which is further )
http://pro-teach.com/contact_locatebranch.asp

2) Pearl student care * (behind punggol plaza)

« Reply #3 on: September 29, 2009, 03:33:05 PM »
Quote
Found the contact no. for Pearl Student Care and Dexus Student Care.Post it here for other parents who need it.
Pearl Student Care (Blk162) 63438737 ( had some comments about this place better check out first)

3) River of Life *
4) Dexus Student Care (Blk172) 63857287

(comments from a forum: Dexus in Punggol. It's located in an RC and very near to Greendale Primary School. The feeling I've about the place...it seems rather cold. In a sense, you hardly hear any kids voice..seems more like a tuition centre.
Plus, the kids don't bathe there as there are no facility.)
'Dexus'. located besides St Anne's church/ MMI

5) Bright kids - wow expensive kids'
6) kingdom at Central Christian Church do offer study care......
7) Kidz Meadow @ Buangkok Crescent and
8) Joy Connecton Studentcare centre?
9)Little Professor @ 123 Hougang Ave 1
#01-1428 +65 63832533 or +65 9839 8590.
10)Polaris Junior at Anchorvale area (behind Nan Chiau pri sch)
11) Morning Star opposite Sengkang CC.




Found some other sites for other location

www.littleprofessors.com.sg they have 3 branches at jurong, clementi and choa chu kang..managed by NUS professors..

Galistan Avenue. Opp Sheng Siong around Bukit Panjang. Can call to find out more. Galistan Family Centre.

Blk 715 jurong west st 71.. they also offer student care services.. i think little professors only charge $188 per month...and that's why tuition is xcluded... they outsource their tuition program to another tuition centre to do it... which is more specialised i think...

Check out this student care at CCK!
www.gifted-learners.blogspot.com


Timmy's Discovery Club (Student Care)
Impact Education Centre (Tuition)
Address: Blk 437, Hougang Ave 8, B1-1521 Singapore 530437
Tel: 63875815


To find out what are the studen care centres around, try this link
http://app.mcys.gov.sg/web/serv_dss_disability_main.asp?Services_Id=3&szMod=serv&szSubMod=student

Good defination of BASC

BASC stands for Before After School Care.
These kinda centres provide care service
for mostly primary school students without
a reliable caregiver at home. The students
can come in before they start PM session,
when their parents drop them off at the
centres in the morning (on the way to work).
Or the children will be fetched by the BASC
teachers ( or walk to BASC if its very near
the school - for older children ) after AM
session to the centres from the primary
school upon dismissal.

BASC not only provides the care... or a place
where your child is looked after in the absence
of the parent, such centres also coach/assist
with child's schoolwork and on top of that (some
centres) may also offer tuition at reasonable rates.
A few centres offer optional enrichment pgrms as
well like IT, Creative Maths, Reading Programme,
Speech and Drama (etc) to parents as well.

Centres near our local pools and stadium facilities
sometimes offer that children pick up a sport like
badminton, swimming, (etc) which is again optional
and such extra curricular activities are allowed to be
done like once a week after completion of the tuition
hours + homework, to promote exercise other than
just school work - at a small fee with a qualified coach.

A good BASC will give parents the ease that the
child not only has lunch and tea break provided,
the school work also covered. Whatever rest provided
is really extra. Parents have other pairs of eyes helping
them watch over their kids in the absence of the care of
full-time working parent (especially when there is a neccesity
for the parents to stay employed). Parents can set their mind
at ease that they can spend better quality time with their child
at home, since the major care and school work has been
assisted by the BASC.

If parents have say 2 children, 1 in pre-school and 1 primary
school... there are also childcare centres that offer BASC as
well. They have separate classrooms for the BASC students
who will be cared for by BASC teachers ie. qualified staff to
teach/manage primary level subjects (ala tutors) and the didi
or mei-mei will be with the childcare teachers in the main class
rooms of the childcare centres.

Different centres provide different care services.
And different centres go by different rules or
protocols and fees. Good to check with each
prior to registration. What is shared here is a
general comment of the BASC service and not
representing any centre in particular, k.

Hope the info helps.

free indoor or outground playground at shopping malls/ restaurant

besides vivo, forum, paragon, city square mall, where else can i find children playground at shopping malls?

IMM

Sembawang Shopping Mall


North point

Lot 1 (roof garden) - CCK


Marina Square in front of Kiddy Palace.

Quite popular place with families with small children, although the play structure and area is quite small. But plenty of eating places around and shopping centre is relatively safe.

Sky Garden on Level 6 of NEX @ Serangoon has a nice wet and dry playground for kids.

City square mall has a mini playground at ground flr. but really small


BPP - mini playground.


'operating hours' for the water at the wet playground? cos the one at sembawang has 2 periods of water play only.


i saw the signboard. if dont rem wrongly, its 11am to ard 9pm.
quite sure abt the 11am. the ending time not 100% sure.

the wet playgrd is rathe big.

At the changi airport basement 2, if remember correctly, I saw kids using papers and crayons to trace the designs on the blocks. The papers and crayons are provided and the kids all gathered there and busy tracing ... The blocks with designs on it are fixed on the table, just put the paper on top of it and use the crayons to roll over the paper, and tracing the designs onto the paper....

Somerset 313
1) Marche - my daughter favourite play ground

2) highest floor beside food court

June holiday camps or student care 2011 for kids

As this is a first time for us to have such a lengthy June holidays in Singapore. I am frantically looking for program to cover my little one time during her primary school break. I am working and yet have to ensure she will not laz around at home.

School Holidays in Singapore for the Year 2011
for primary and secondary school students
March School Holiday: 12th March to 20th March
June School Holiday: 28th May to 26th June
September School Holiday: 3rd September to 11th September
December School Holiday: 19th November to 31st December

You can find out about more school terms and holidays in Singapore at http://www.moe.gov.sg/schools/terms-and-holidays


Came across some interesting information to share out.

Got this from forum
June School Holidays 2011
Some Suggestions...

I am considering to place her in full day student care with June holiday activities
Manage to check out 2 school which accept my girl for this holidays

1) Linda student care - kovan THey have very interesting program like yoga and baking...
Cost is SGD 480
If you Saw this picture in the web that is the school link


http://www.linda-edu-hse.com.sg/index.php/news/student-care-services-amk-and-kovan/
We are offering before and after school care for our Ang Mo Kio and Kovan Branches. Holiday Full-day Care also available, starting 22nd November!

Services that are included in our student care programme:

- Daily homework coaching

- Tuition for all subjects

- Enrichment classes (e.g. creative writing, problem solving)

- Fitness activities (e.g. Yoga for Kidz)

- Life skills and recreational activities (e.g. Art & Craft, baking classes, music lessons)

- Excursions and outings

- Meals and snacks

- Shower facilities

- Nap time

To enquire, please call:

Ms Wendy Chan (83221251 / 64551989) — Ang Mo Kio

Ms Linda Chan (62850733) — Kovan




2) Pro-teach the famous student care in Singapore - Pasir Ris and Hougang branch.
Cost is SGD 360 + 40 material fees+ 40 reg fees. Total SGD440

They seen to have very good teachers and schedule for tution etc.
I am planning to visit these centres and choose according.

I have post my finding here when the time is near :)


Other option like

3) Skate With Us Superheroes Skate Camp
Details: http://skate-with-us.com/swuholidaycamp.html

Children like skating (i don't know why...but it seems like a very popular and practical sport to pick up like swimming) ...Found this camp after reading the article on Motherhood Mag and also the positive feedback by other parents on forum...

Basically, this is a skate camp with a different theme each time. For june, it is a Superheroes theme skate camp for kids and the school specialised in teaching children...

My feedback:
Somehow my children love this a lot, maybe because it really feels like a camp for them. For me, I like the fact that the class size and instructor ratio is good. It like they will make it a point to put 2 staff to attend to 1 group of 6 kids and they always have female and male instructor.
At the camp, the children will learn skating and they will play games, wear costumes related to special themes and pretend-play they are Superheroes

I am also thinking about letting the children attend the Superheroes Skate Camp in June. the camp is for beginners and skaters as the school groups the children according to their skills...

2) Kindergolf Camp
Details: http://www.kindergolf.com/seasia/programs/golf-camp
Golf Camp by kindergolf for children...where they can pick up golf basics in just 1 camp...

My feedback:
This is the most recent one that my children went for. there has been some mixed reviews on Kindergolf it seems but my own experience has been good.

We went for the express camp where it's indoors. I guess we should have gone for the 5 days one. the kids like it, was excited but it was a little short and it is all indoor. But overall the experience has been quite good. they now know more golf terms and were chatting with their daddy on golf haha...DH love golf, my sport is shopping hahaha

3) Bakerzin Kids Baking Workshop
I can't find the exact page on the website any more...so sorry

My feedback: This is a good bonding opportunity for u and your children, if u like baking... i am biased lah cos i like baking myself, so i signed up the children for this. it is good and the kids get to eat their own work...

Some other camps that i am eyeing on this June is the art boot camp, got to do more research first...will share more soon...

do share your findings...i am not shareholders of the above companies and please do your own research and ask other parents for their feedbak..





TRY THIS Discovery Vacation Camp http://www.discovery-camp.com/
Go to another discussion thread under Discovery Vacation
There is a lot of good review from parents that have send their kids.
They have 3 place
-Henry Park Pri School , Ai Tong & Tao Nan. They even have bus from Kovan if you pay a little extra.


Tien Hsia camps
http://tienhsia.com/promo/promomain.html

Gulia Gabriel
http://www.juliagabriel.com/images/downloads/holidayprogramme/Holiday%20Programmes%20June%202011%20FINAL%203.pdf

http://www.trainingkids.com.sg/

Earnest Wong's SmartKids camp

Adam Khoo's camp

Mindchamp

I also heard a camp doing overnight stay at Underwater World. Any feedback?


Cooking class
1)arts academy
2)SoEzy. There's a smaller outlet at united square, next to the food court
3)Great World, near the Food Court. I think At Sunrise has classes for kids too


British Council - Tampines
COURSE DESCRIPTION
Creative English - Week 2: 101 Dalmatians
English holiday courses > Primary

Course fees S$500 (inclusive of 7% GST)
Levels Primary 1 and 2
Course venue Marsiling, Tampines, Napier Road
Courses start Jun 2009





This course is for students in Primary 1 and 2. Students are grouped according to school level in 2009. We aim to help students to become fluent, imaginative and accurate users of English and the courses are built around carefully chosen themes designed to motivate learners.

By the end of the end of the course your child will be able to:

express their ideas and opinions with greater confidence listen to improve comprehension and note-taking skillsread for gist and specific information to develop comprehension skillscomplete cloze passages – content and grammaticalwrite sentences and paragraphs with accurate spelling and punctuationanalyse written work for accurate grammar form questions and sequence language accuratelyuse categories to build vocabularywrite a description of a personwrite an informal letteruse vocabulary for describing people and feelingsuse vocabulary for describing settings and eventsuse present tenses for descriptive writinguse past tenses for letter writing

TAMPINES CENTRE SCHEDULE

8 Jun to 12 Jun

Monday to Friday

9am to 1pm

20hrs (1X per week)

S$500

For P1 and P2

CONTACT DETAILS
2 Tampines Central 6
NTUC Income
#03-01/02 Tampines Point
Singapore 529483

Telephone +65 6783 9209
Fax +65 6783 4509



bÜds

replyGive KiasuPoints.buds Thu, 30/04/2009 - 9:32pm
This is an innovative Holiday Programme. ;)




Little Entrepreneurs Camp
(Learn to set up a real-life cafe)



Suitable for Kids Aged 7-12 years old

Camp Synopsis
Let your Little Genius learn and explore in our fun-filled 3 full days program ending with the setting up a real life Café. Your Little Genius will gain first hand experience on setting up a cafe and be involved in the planning and preparation work that goes behind it as well as serving simple food and drink in a real-life setting. Best of all, parents are invited are join us at the last day at the last hour of the camp as customers to the Little Entrepreneurs.

Camp Activities

* Planning & preparing for the setting up the real-life cafe
* Craft works for the decoration of their cafe with style and flair
* Cooking/baking the food for their cafe menu
* Activities to reinforce the skill in dealing with the handling of actual money
* Outing to nearest supermarket to get the feel of purchasing the ingredient for their cafe
* Have a better understanding on financial literacy through 'Cashflow for Kids' board game - created by Mr Robert Kiyosaki (author of Rich Dad, Poor Dad)

Objectives of the Camp

* Practice Mathematics Skill involving addition & subtraction of real money
* Encourage teamwork & co-operation amongst children
* Project Management Skill
* Problem solving in a real life setting
* Provide children with a sense of self-worth & achievement
* What is an entrepreneur?
* What are the qualities of an entrepreneur?
* Let children understand the accounting term of expenses, profit, loss and more......
* Enhance creativity with the various activities that they will be participating
* Allow the Little Genius to be able to express himself/herself better

Dates of Intake

>1-3 June 09 (Mon-Wed) 9am-5pm

>15-17 June 09 (Mon-Wed) 9am-5pm

Investment:S$250 per child


Camp fees is inclusive of lunch, 2 tea breaks daily, Camp file and Certificate of

Graduation with Group Photo



Venue of camp: Genius R Us, 75B Tanjong Pagar Road - 5 mins walk from Tanjong

Pagar MRT Station - (Exit A)



Be prepared to have fun: Parent, relatives of participants are invited to join us on the last day of the camp to

support our Little Entrepreneurs at work.

Limited seats each intake! Register early to avoid

disappointment!




Contact Us
Genius R Us is located at:

75B Tanjong Pagar Road
Singapore 088496
Tel: 6221 4561 / 81830563 (sms)
Fax: 6221 5320
Email: info@geniusrus.com
How to get there:

By MRT – Tanjong Pagar Station – Exit A
By Car: Parking lots available along Tanjong Pagar Road, more lots available along Wallich Street, Tras Street, Duxton Road, HDB Carpark at Tanjong Pagar Plaza.
By Bus: Services 145 and 80
Other Programmes and Services

For enquiries on conducting workshops for private functions and corporate events. Please call us for further information on our customised packages, e.g. Birthday Parties, Children's Day Celebration, Family day, Staff Retreats and any Special Occasions of yours.

A trip to Batam (Harris Batam resort)

I am looking for a short break with some budget. Harris resort come into the picture.
Initially I keep thinking the Harris is a very traditional simple resort. I did not expect it to have so many activities. Really looking forward to my trip there with hubby and girl. It's Singapore public holiday this weekend and we will be heading there :)

I got a 3D2N package with extra bed - 2A1C cost SGD $495


Got some information directly from them. THese information are useful.

Email address: Reservation Harris Resort Batam
[mailto:res@harris-batam.com]
Sent: Monday, 25 April, 2011 2:37 PM




Awards and Recognitions:
● RCI Resort of International Distinction 2004 & 2005 ● RCI Silver Crown Resort 2007● RCI Gold Resort 2008, 2009 & 2010 ● Top 350 Hotels and Resorts in Asia 2007 ● Trade Leader's Club Award 2007 ● The Best Family Hotel in Asia 2008 ● The Most Popular Hotel in Asia 2009 ● World Luxury Hotel Awards Winner 2010 ● World Luxury Hotel Awards Nominee 2011 ● World Luxury SPA Awards Nominee 2011



Hi,

1) We are planning for a weekend stay there. I am wondering if your resort do display the live telecast for the soccer match ?
Yes we have in MNC Channel OR ESPN in the room!

2) What is the occupancy rate during 30 -2 may? SGD 183 nett per room per night inclusive buffet breakfast for 2 person on 30 April 2011,
SGD 168 nett per room per night on 01 May 2011 inclusive buffe breakfast for 1 or 2 persons

3) What is the contact details for making a massage reservation. Do they have a email? spa@harris-batam.com

4) What are the restaurant in your resort. Someone mention about a Japanese/Korean restaurant but I don’t see it in your website.
Yes , in area hotel have a korean Restaurant , it is a different Management.
5) Any major renovation ? There is no renovation anymore .

6) What are the bed type in your different category room? I actually looking for a King bed. Thanks
Please find abelow picture of all about our Resort

POOL & BUILDING (Exterior)
http://picasaweb.google.com/harrisbatam/BuildingPool#

HARRIS ROOM (Funky Building)
http://picasaweb.google.com/harrisbatam/RoomHARRISROOMFunkyBuilding#

HARRIS ROOM (Trendy Building)
http://picasaweb.google.com/harrisbatam/RoomHARRISROOMTrendyBuilding#

FAMILY ROOM
http://picasaweb.google.com/harrisbatam/RoomFAMILYROOM#

CABANA ROOM
http://picasaweb.google.com/harrisbatam/RoomCABANAROOM#

JAPANESE ROOM
http://picasaweb.google.com/harrisbatam/RoomJAPANESEROOM#

JUNIOUR SUITE
http://picasaweb.google.com/harrisbatam/RoomJUNIORSUITE#

TRENDY SUITE
http://picasaweb.google.com/harrisbatam/RoomTRENDYSUITE#

EXECUTIVE SUITE
http://picasaweb.google.com/harrisbatam/RoomEXECUTIVEROOM#

SPA & FOOT REFLEXOLOGY
http://picasaweb.google.com/harrisbatam/SPAFootReflexology#

GENERAL ACTIVITIES
http://picasaweb.google.com/harrisbatam/ActivitiesShops#

RESTAURANT & BAR
http://picasaweb.google.com/harrisbatam/RestaurantBar#

TEAM BUILDING
http://picasaweb.google.com/harrisbatam/TeamBuilding#

KIDS ACTIVITIES
http://picasaweb.google.com/harrisbatam/KidsActivity#

ALL ALBUM
http://picasaweb.google.com/harrisbatam

Building Video (yutube) :
http://www.youtube.com/user/harrisbatam#p/u/0/iWwhu8YKPz4

What you need to know about preference shares

What you need to know about preference shares

By A Tan

In a previous article on the top 3 investments to help beat Singapore inflation some readers brought up another noteworthy way to avoid a negative real interest rate — preference shares. This article explores what preference shares are, the sort of returns you can get from them, how to invest in them and what you should be aware of before investing.

What are preference shares?

Preference shares are a special type of equity security that has properties of both shares and fixed income securities. Issued by companies, preferred shares provide a return in the form of fixed periodic payments. Unlike regular shares, however, you usually do not get voting rights. Instead, you are promised, but not guaranteed a dividend for your preference shares.

The difference with bonds is that the interest payment on a bond must be paid (unless the company goes into default) to the bondholder. For preference shares, the company can choose to withhold the dividend as long as they do not pay ordinary shareholders a dividend. Thus preference shares have priority over ordinary shares in terms of dividend payment and liquidation, but are junior to bonds.

What are the benefits of investing in preference shares?

An investor in preference shares can earn a return on the investment from the interest payment, and also has the potential for capital appreciation upon sale of the shares in the market, although this tends to be limited relative to ordinary shares.

Preference shares provide you with a predictable income stream, where you know how much interest you can expect to receive and how often you will receive it. However, note that the dividend on preference shares is not guaranteed.

Preference shares also have the advantage of transparency. Unlike bonds that are traded over the counter, investors can easily access real-time price and volume information via the SGX website or on their brokers' trading platforms.

What sort of returns can you get from preference shares?

The dividend of a preference share is usually fixed at the time of issue, and your yield will depend on the price you bought it at. For example, if you bought a 5 percent per annum dividend yield preference share at the par value of $100 per share, then your yield is 5 percent. If you bought it at $110 per share instead, then your yield is $5/$110 or 4.55 percent.

In terms of capital gains or losses, the price of a preference share is mainly affected by interest rates and credit risk. If the credit rating of a preference share issuer drops, the price of the share should drop. Like bonds, the price of preference shares has an inverse relationship with interest rates. If interest rates fall, the price of a preference share should go up.

How do you invest in preference shares?

Preference shares are traded on the Singapore Exchange. The process of buying and selling a preference share is similar to that of a buying an ordinary share. Your trade can be executed through a broker or online platform during trading hours, and can be bought and sold using stop-loss orders, limit orders and margin purchases, just like shares.

What are the risks of investing in preference shares?

You are exposed to market risk and preference shares can vary in price, depending on the forces of supply and demand and interest rate changes. You are also exposed to credit risk — the risk that the issuer may not have the cash to meet its dividend payments.

Preference shares tend to be less liquid than ordinary shares, so you may not be able to buy or sell your shares in the quantity or at the price that you want to do so.

Also, your preference shares may be redeemed by the issuer. The issuer often has the right but not the obligation to redeem these shares after a certain period of time, but shareholders have no right to call for their redemption.

Which companies are issuing preference shares?

Current preference shares issuers include DBS Group, OCBC Corporation, UOB, City Developments Limited and United Engineers. The full list of preference shares is available at the SGX website.

Also on April 13 2011, Singapore water treatment firm Hyflux announced that it would sell up to S$200 million of Class A preference shares at a dividend rate of 6 percent per annum.

www.MoneyMatters.sg is your guide on how to make more money, save smarter, invest intelligently and enjoy your money like a pro.

Related articles

Hyflux will be selling S$200 million in class A preference shares at S$100 each

Is it easier to get rich investing in stocks or properties? (at Propwise.sg)

Follow Yahoo! Finance Singapore on Twitter.

Is it legal to jailbreak an iPhone in S’pore?

..Is it legal to jailbreak an iPhone in S’pore?
By Xavier Lur | Fit to Post Technology – Sun, Apr 17, 2011 2:41 PM SGT
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Jailbreaking a phone is not an uncommon practice. (Reuters photo)

In July last year, the United States' federal regulators declared it was lawful to "jailbreak" an iPhone despite strong opposition from Apple as it would affect the company's lucrative App Store business. Ever since, many iPhone users here have been inquiring whether it is legal to jailbreak their iOS devices, too.

Yahoo! Singapore spoke to five media lawyers and they all confirmed that iPhone jailbreaking is legal, but it comes with a catch. It is legal to hack your iOS to gain access to additional features or install unverified third-party applications that are not available in the App Store if it does not violate any copyright laws. It applies to all mobile operating systems, including Google Android and Windows Mobile.

Installation of customised themes or add-ons from external sources, be it complimentary or premium, is perfectly fine. However if one downloads, for example, the FIFA 11 app, which comes with a price tag of US$2.99 on the App Store, for free, he or she could be subjected to a fine of SG$20,000 under copyright laws.

"Many iPhone users here have instilled the wrong impression. While iPhone jailbreaking might be legal, the copyright laws still apply provided that the software is infringing (on the copyrights), and this includes some of the premium apps that are sold on the App Store," said James Wong, a 45-year-old lawyer who specialises in copyright lawsuits.

"The wisest choice is to not jailbreak your phone," he added.

A 16-year-old Secondary 4 student, who has jailbroken his iPhone 4 and declined to be named, said that he will continue to download apps that may infringe on copyright laws even though he may face lawsuits. "It's just like downloading songs illegally from the Internet and torrenting games or movies. My friends are all doing it and I don't see any reason why I should obey the copyright laws," he proclaimed.

The top three reasons why consumers jailbreak their smartphone devices are to install third-party applications banned by the App Store, tweak the user interface, and illegally download premium apps from the App Store because they are not willing to fork out additional money for paid apps on top of the price they paid for the phone itself.

When contacted, Apple spokesman warned that "iPhone jailbreaking can cause the device to become unstable and not work reliably", and made it clear that jailbreaking the phone will void the warranty.

However, due to the fact that jailbreaking only tinkers with the software, all effects are reversible. Users can revert their phone to its factory settings at any time via iTunes.

The writer is a 17-year-old technology blogger who loves social media and gadgets. He is also Singapore's No. 1 Twitter user with 192,000 followers.

..

Planning to somewhere ......

Kuching
recommendation stay from my local friend

1) http://damaibeachresortkuching.com/damai-beach-resort-kuching

Air tickets-
Tiger air - good price
Air asia
Malaysia airline

2) http://www.airasia.com/sg/en/home.html
http://www.tigerairways.com/sg/en/
tiger airways also have flight direct from sin - m'sia
but within internal malaysia flight only air asia have
http://damaibeachresortkuching.com/damai-beach-resort-kuching

Singapore's hawker food spots

Singapore's hawker food spots . Fri Apr 8 2:35am Shareretweet EmailPrint.By Sally Q Call them hawker centers, call them food courts: Singapore's culinary circuses put the awe in gourmet. The surroundings may have changed but the food remains yummy. Singapore's hawker centers were once wet, dirty and dim shelters crammed with all forms of street food. As the country took on a more modern face, its food spots followed suit, with many of the island's hawker centers upgrading or moving indoors in the 1990s to air-conditioned food courts. While foodies bemoaned the loss of authenticity, diners with delicate constitutions and wary of reusable cutlery cheered. Years on, hawker centers -- or food courts -- are a vital part of life and the undisputed source of Singapore's best food. As the Little Red Dot adds celebrity chef eateries to its dining scene, these five swish, new food courts -- or hawker centers -- are making sure people remember that Singapore's street food is here to stay. Singapore Food Trail Remember this old favourite? Now you can get your mouth around an ice ball again at Singapore Food Trail.In the 1960s hawkers were simply cooks with wooden pushcarts who perched at the roadside or in front of shophouses. They set up tables beside their carts, used a Milo tin for a till and served soft drinks in bottles; and kacang puteh (local snack of mixed nuts) was packed right on the spot, in a paper cone assembled by the kacang puteh man. All these can still be found, at the Singapore Food Trail -- a 12-stall, five-kiosk, three-cart, 800-seat, 1960s-themed hawker conglomeration. Harking back to pre- and early independence days are stalls from all over: satay bee hoon from Old Airport Road, nasi lemak from Selera's at Adam Road, Hainanese chicken rice from Ah Huat at Bugis Street and the revered High Street Tai Wah pork noodles. The setting is no less kitsch than its counterparts on this list (we're looking at you, Food Republic Beer Garden) and true to their theme toilets are not on the premises -- you have to head next door to the Singapore Flyer. Fortunately there are three washbasins, so you can keep those hands clean and stomach bug free. Unique Selling Proposition (USP): Bring back the 1960s, arguably Singapore's most exciting era. Level 1, Singapore Flyer, 30 Raffles Avenue. Sunday-Thursday 10:30 a.m.-10:30 p.m., Friday and Saturday 10:30 a.m.-11:30 p.m. . Food Republic - Beer Garden Even if the live entertainment sucks at Food Republic - Beer Garden, you won't lose your appetite when you can get a whiff of freshly cooked oyster omelette.The junior member of the Breadtalk-owned franchise is a beer garden in St. James Power Station's car park. What it lacks in size (a shoebox compared to the other four locations), it makes up with fanfare. Within this cozy area is a decent attempt at re-enacting the charm of yesteryear: bird cages strung in between lamp posts, antique bicycles, old-fashioned pushcarts with tarpaulin tops, kiosks and truck stalls. Of the 19 operators, the beef tripe satay from former Lau Pa Sat stall Satay Power and ngoh hiang (five-spice meat roll) from Zhong Zhong Fine Spices are definite crowd-pleasers. But the biggest draw has to be the Street Bar -- it has a full selection of local and international beer, spirits, wines and even the Singapore Sling. Sway -- or not -- to the live performances by artists from the St. James troupe. You can't deny this gives the Singapore Food Trail a run for its money. USP: Call it nostalgia eatertainment, the spot makes a good attempt to revive the old days of food streets, giving it a lift with the live entertainment element. St. James Power Startion, 3 Sentosa Gateway. Open daily 6 p.m. till late. . Food Republic - VivoCity The breakfast of many locals...yesterday, today and tomorrow. Slurp down a bowl of beancurd at Food Republic - VivoCity.Another Food Republic brainchild, VivoCity takes us back to the first half of the 20th century with its décor: aged wooden beams and roof shingles shelter suspended bicycles and bird cages. Nestled within the 900-seat atrium is the structure of a Hakka house, and a Chinese sedan chair, wooden carriage and horse trough. Even the baby chairs are old-style. Don't expect the food to date back to those times: perhaps only the Lau Di Fang Scissors-cut Curry Rice (originally at Jalan Besar in the 1920s) and the Lau Dai Hua Minced Pork Noodles (Hill Street Food Centre from 1932 to 1986) can claim to have experienced the era this food court was modeled on. Other stalls to look out for: Sergeant Chicken Rice, started up by one of the original Mandarin Hotel Chatterbox chefs, Kiang Joon Toh; and Thye Hong Fried Hokkien Mee Fried Noodle, formerly found at Newton Circus. USP: The retro décor and the dim sum carts propelled around the food court ... fantastic news for lazy foodies Level 3 VivoCity, 1 Harborfront Walk. Open Monday-Thursday and Sunday 10 a.m.-10 p.m.; Friday, Saturday and eve of public holidays 10 a.m.-11 p.m. . My view: This is one of the favourite spot that me and my family like to visit.

THe prata over there is good, I do like the indonesian restaurant and the "meat" noodle..

Price slightly higher than normal foodcourt but food quality is good.

Food Opera It will cost you a bit more for your plage of nasi padant at Food Opera but it will be worth it.The third, and last, of the Food Republic branches to be included in this line-up adheres to an opera house theme -- a structure that, in this case, is a contemporary refuge for specialty local dishes. The famous Scotts Beef Noodles found a home in this modern art-museum-like space, as did local tze char mavens Fatty Weng Restaurant and Ah Wok Restaurant, fan-loved Yong Heng Fried Hokkien Prawn Noodles and highly regarded Hong Kong dim sum house Luk Yu Teahouse and Restaurant. Local artist Chen You Bing's two mythical animal sculptures displayed in the middle of the atrium might take some getting used to, so will the 700 clear, black and purple acrylic chairs, the ornate chandeliers and life-sized driftwood horse by British sculptor Heather Jansch. But the 25 stalls hold their own; where else on Orchard Road hosts a congregation of street food spots so established they've decided to go against the flow and branch out into food stalls, in such modern setting nonetheless? USP: Orchard Road is hardly a food mecca, so this is about as close as it gets. Basement 4, Ion Orchard, 2 Orchard Turn. Monday-Thursday 8 a.m.-10 p.m., Friday, Saturday and eve of public holidays 8 a.m.-11 p.m., Sunday 10 a.m.-10 p.m. . My view: This is one of the nice food court spot . Cost is expensive The chicken rice over there is good & fish ball noodle is acceptable Price is much higher than normal foodcourt. Rasapura Masters The kachang puteh man: An old faourite revived at Rasapura Masters.As food courts go, this one's really hit the big time. It's not just its location in Marina Bay Sands (the classier of the two casinos) or the court's massive girth; it's also that this 24-hour "taste-city ("Rasa-pura") food court has got an ice-skating rink, theaters and celebrity chef restaurants as its neighbors. You are who you're next to, right? But has street food really gone high class? Not quite. Sure, modern Indian fine dining restaurant Song of India's only food stall is located here, but a stall by any other name is still a stall. As Song of India moves a step down to catering to the masses, stalls of local food institutions like Lau Di Fang, Ng Ah Sio Bak Kut Teh and Sin Kee Famous Chicken Rice have stepped up. All 24 stalls have met on this middle ground, except probably where pricing is concerned -- a plate of nasi padang could set you back a whopping S$13.30. Cringe all you want; it's still way cheaper than going to the neighbors. USP: Call it the food court of the high-rollers, when all the fancy celeb chef creations have been consumed, hunker down to some real food, Singapore style. Canal Level, Shoppes at Marina Bay Sands, 2 Bayfront Ave. Open 24 hours.. Do try out the food court in Wisma

Affordable Luxurious Lunches

DINING . Affordable Luxurious Lunches Nostalgic Dining Best German Restaurants Best Mexican Restaurants Fresh on the buffet table Todai .Previous Post Affordable Luxurious LunchesMonday April 4, 2011 08:23 pm PDT Whether you've an important deal to seal or just fancy a change from your usual grab-and-go lunch spot, the set menus at many fine dining establishments around town offer superb value for money. Here we pick some of our favorites across a range of price bands, with tips on what to expect and how much time to set aside. Your lunch hour will never be the same again. UNDER $50 OTTO Ristorante The menu: Rotating weekly, with delicately prepared re-workings of homestyle Italian classics, many from the north (their chef's from Treviso). You get a choice from three appetizers, three mains and two desserts. On our visit, there was soup, salad or beef carpaccio, as well as spaghetti with Parma ham and butter sauce, baby snapper fillet with soft polenta or pan-roasted chicken breast with fontina cheese. The damage: $38 for three courses, including coffee or tea. The verdict: Boy, does this place get busy. That's worth bearing in mind if you're in a rush, when food can take a while; it's quieter around noon, though. If you're looking to impress, the combination of innovative dishes and enthusiastic service makes it a real winner. And you've got to love the building it's in. #01-02 Red Dot Traffic Building, 28 Maxwell Rd., 6227-6819. Mon-Fri noon-3:30pm. Pamplemousse Bistro + Bar The menu: Chef Adrian Ling presents a selection of modern European dishes and has the others beat in terms of sheer variety. We were able to pick from six different starters, eight mains and three desserts (that's a whopping 17 dishes in total). For appetizers, we went with citrus-marinated salmon and miso aioli, as well as foie gras terrine sachertorte with roselle espuma and apricot jam ($10 supplement), both of which were lovely. Settling on our mains proved to be a tricky business, but we finally decided on the signature uni tagliolini with a rich crustacean cream sauce and pork gratons and onglet steak with caramelized onions, pomme puree and truffle-infused Madeira sauce ($5 supplement). For a delightful finale, osmanthus-scented crème brûlée with lychee sorbet and baked black rice pudding with H jicha ice cream made us happy campers. The damage: A mere $32 for three courses-talk about a steal. The verdict: This is an ideal spot for both lunch and dinner, whether you're with business associates or catching up with friends (although we noticed more than a few tai tais in attendance). We're big fans of the discreet, decidedly un-snooty service and real value-for-money sets. Dempsey's not convenient for everyone, though. #01-04, 7 Dempsey Rd., 6475-0080. Tue-Fri noon-3pm; Sat-Sun 11:30am-3pm. Restaurant Ember The menu: A range of 11 appetizers (three of which are foie gras, $6 supplement), seven mains and 10 delectable desserts. We can't help but be impressed that their dessert selection is almost as varied as that of their starters. Don't miss chef Sebastian Ng's drool-worthy homemade crispy tofu with foie gras-mirin sauce and pan-seared Chilean seabass with smoked bacon ragout and truffle yuzu butter. We also adore 12-hour-cooked pork belly with savoy cabbage, apple puree and spiced Calvados sauce. End on a sweet note with the caramelized pear tart and baileys ice cream or coconut panna cotta with gula melaka and water chestnuts. The damage: $39.50 for three courses, including coffee or tea. The verdict: It gets really busy here during lunchtime, with an endless parade of OLs and execs who work in the area. So if you're after a quiet meal, this isn't the place for you. But if you care more about good quality fare, are a dessert fiend and don't mind the bustling surrounds, we can't think of a better spot. G/F Hotel 1929, 50 Keong Saik Rd., 6347-1928. Mon-Fri 11:30am-3pm. UNDER $50-80 FiftyThree The menu: Thanks to chef and owner Michael Han, the dishes on offer are well-executed and beautifully presented, with three options for each course. Our entrée of sashimi-style scallops with Earl Grey and lavender granita, balls of compressed watermelon, crisp chicken feet and passion fruit coulis was simply stunning, as were the mains of crisp pork belly with red cabbage puree and braised Wagyu cheek with Asian pear ($10 supplement). Desserts don't disappoint either. Give the five-spiced fried pineapple with brie ice cream a go ($5 supplement) or the Amedei Chuao chocolate ice cream with cassis leather and fresh berries ($10 supplement). The damage: $53 for three divine courses. The verdict: We'd gladly lunch here everyday, if we could. The space is understated and elegant (which makes it ideal for a business lunch or an intimate meal with a special someone), the service is exemplary, but above all, the carefully-prepared posh nosh is stellar. As a real bonus, the portions here are generous. We suggest setting aside at least a good hour and a half to get the most out of this experience. 53 Armenian St., 6334-5535. Mon-Fri noon-2pm. Les Amis The menu: With eight starters, five mains and six desserts to choose from, they've certainly got their bases covered. We highly recommend chef Armin Leitgeb's signature lightly-smoked eel "tiède," with crispy pork croûton, shaved horseradish and Dijon mustard emulsion and homemade ramp leaf pasta with poached Maine lobster and chanterelles ($12 supplement). Other winning items include Hungarian goose foie gras "parfait" with Gewürztraminer jelly and black Périgord truffles ($20 supplement) and charcoal-grilled Wagyu ribeye with Périgourdine sauce ($25 supplement). End your meal with rhubarb textures and tarragon-scented ice cream or be adventurous and try the pickled Hawaiian papaya, with frozen curry, ginger and lime. The damage: It's $70 for three and $88 for four (two appetizers, a main and one dessert) courses. Both sets include coffee or tea. The verdict: We grant that lunch here doesn't come cheap, but then again, you're getting more than just fabulous food. The setting is exquisite. #02-16 Shaw Centre, 1 Scotts Rd., 6733-2225. Mon-Sat noon-3pm. Majestic Restaurant The menu: Expect chef-owner Yong Bing Ngen's signature style of modern Chinese fare with a twist, exemplified in dishes such as a combination platter of Peking duck skin, pan-seared foie gras and crispy soft shell crab with mangoes. Other dishes include double-boiled shark's fin soup with black truffle, honey-glazed rack of lamb with XO carrot cake and stewed noodles with shredded abalone, mushrooms and truffle oil. The damage: $40/60 per person for the five-course premium and deluxe set lunch respectively (for a minimum of two people). The verdict: There's just something about Chinese food that makes it better-suited for bigger groups (we think four is the ideal number). While the food is good and service commendable, larger portions wouldn't hurt. G/F New Majestic Hotel, 31-37 Bukit Pasoh Rd., 6511-4718. Daily 11:45am-3pm. OVER $80 Andre The menu: Sticking with the philosophy of a degustation menu, their lunch is prixe fixe, with three appetizers, one main course and a dessert. There are no choices whatsoever, so come with an open mind and be prepared for whatever chef André decides to craft. On our visit, we indulged in creations such as smoked salmon served with white peach and tomato salad, Hijeki seaweed and basil flower sorbet, bruleed foie gras jello, périgord black truffle coulis with chives and slow-roasted Japanese Omi short rib beef with celery root puree and mushroom polenta Bianca. The damage: It's one of the steepest lunches, at $125 for five scrumptious courses. The verdict: For a five-course meal, it's surprisingly quick (we were in and out in just an hour and 15 minutes). The service was beyond reproach, the clientele is well-coiffed and the food superb. Our only gripe is that it's on the pricy side of things. Then again, if you're coming here, that shouldn't be an issue. 41 Bukit Pasoh Rd., 6534-8880. Mon-Fri noon-4pm. Iggy's The menu: It's a standard four-course deal here, as standard as it gets at Iggy's anyway. They switch things up every one or two months, depending on what's in season. We were offered a hot and cold entrée to pick from (naturally we ordered both), pea flan with mint and parmesan or a divine oyster with shiso leaf, encased in sea essence jelly, with mascarpone and pickled discs of cucumber. That was followed by a pasta course of squid ink tonnarelli with fried calamari and tomatoes or vegetarian lasagna. For mains, three offerings: Spring vegetables (for herbivores), quail with black beans and white asparagus, or charcoal-grilled Wagyu with tapenade, okra and yukon gold potato ($40 supplement). For the sweet-toothed, three different options such as yogurt panna cotta with raspberries. The damage: $85 for four courses (one starter, a pasta dish and a main, followed by dessert). Not the most expensive, but certainly not cheap either. The verdict: The crowd's a little older here (mid-40s, plus or minus 10 years) and it's a pleasant experience overall, with mostly competent wait staff (although they neglected to ask us how we'd like our beef done: For the record, medium-rare please) and good quality fare. The entire affair lasted a pleasurable 90 minutes. 3/F Hilton Singapore, 581 Orchard Rd., 6732-2234. Daily noon-3:30pm. Kunio Tokuoka The menu: Michelin-starred chef Kunio Tokuoka prizes freshness and simplicity above all else; you could say his philosophy is: Balance, balance and balance. Both lunch sets, the five-course and kaiseki, don't really give you options, although the former allows you to pick from assorted sushi, seafood shirashi donburi or tempura udon for mains. The latter is undoubtedly more filling, but at $450 a pop, you'd certainly hope so. Seasonal offerings include fresh scallops and ikura with homemade chirizu sauce, a tantalizing spread of the freshest sashimi and charcoal-grilled Wagyu with shaved foie pate. The damage: $120 for the five-course set lunch or $450 for the seven-course kaiseki menu. The verdict: Is it absolutely delicious? Without a doubt. But unless you're Miss/ Mr Moneybags, we're not entirely convinced the jump from $120 to $450 is worth it. Ideally, you'd charge it to your company or have your sugar momma take you. #02-139 Crockfords Tower Lobby Level, 26 Sentosa Gateway, 6686-3633. Daily noon-3pm.

Top 5 Insane Zombie Elimination Strategies

Check this game out.. once of my favourite.

THis link show how to play this game.. not easy :)

Top 5 Insane Zombie Elimination Strategies
April 5, 2011 | 11:19:48 am

Here, we share with you FIVE SICK STRATEGIES to protect your home from the moanin', groanin' zombies.

SICK STRATEGY #1: LOOK MA, NO WALLS!





URGH, plant-headed zombies! It looks like these counterfeits are out to try and fool our soldiers. Of course, everyone knows better. While is is a common trend to use Nuts as walls to block the zombies in this stage, watch as one bounty hunter does otherwise. Behold, the lethal combination of cattails and starfruits, as the duo fire relentless attacks at the zombies, leaving them with no choice but to drop dead even before they can cross the halfway mark of the lawn!

These undead creatures are also taken by surprise by potato mines and squash, which finish them off faster than you can say "Braaaaiiiinsss!!" A strategy that works beautifully and swiftly, without any walls involved!

Plants used: Sunflower, Lily pad, Cattail, Spikeweed, Potato-mine, Garlic, Starfruit, Tangle-kelp, Squash Game type: MINI-GAME, ZOMBOTANY 2


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SICK STRATEGY #2: NEVER UNDERESTIMATE THE POWER OF ODOUR





Psst... The successful bounty hunter behind this tactic also shows how you can make a whopping $8000 in the process. Getting rich while stinking zombies to death, why not? By the way, we wonder if the zombies know that they smell bad themselves. Hmmm....

Plants used: Lily Pad, Fume-Shroom, Pumpkin, Marigold, Magent-Shroom, Coffee Bean, Gold Magnet, Gloom-Shroom, Garlic Game type: MINI-GAME, LAST STAND


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SICK STRATEGY #3: INSTANT GRATIFICATION



Why go through the trouble of throwing bullets at zombies when you can just fry them on the spot?

Now you see a horde, and the next thing you know, they're totally gone!

Plants used: Jalapeno, Twin Sunflower, Pumpkin, Ice Shroom, Doom Shroom, Imitater Doom Shroom, Potato Mine, Squash, Cherry Bomb Game type: SURVIVAL, HARD (NIGHT)


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SICK STRATEGY #4: (NOT SO) PRETTY MELONS ALL IN A ROW





If I was a zombie and knew what was coming for me, I'd have turned back and crawled back into my grave. Because nothing could be worse than being pelted with melons - yes, column after column of melon-pults do the trick this time around. "But what happens when the Gargantuans arrive?"

Plants used: Flower Pot, Tall-nut, Magnet-shroom, Coffee Bean, Melon-pult, Potato Mine, Squash, Pumpkin, Jalapeno, Chomper Game type: MINI-GAME, COLUMN LIKE YOU SEE 'EM


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SICK STRATEGY #5: DEFEAT THE UNDEAD KING OF POP... AND HIS UNDEAD BACKUP DANCERS.





"It's close to midnight.., And something evil's lurking in the dark..."

Fight all urges to be starstruck ("It's the King of Pop!") or absolutely terrified ("Has he come back to life?!"), and use the combined powers and strategic placement of the shroom family to get rid of the dancing zombies almost as quickly as they come!

Plants used: Puff-Shroom, Fume-Shroom, Grave-Buster, Hypo-Shroom, Scaredy-Shroom, Ice-Shroom, Doom-Shroom Game type: ADVENTURE, LEVEL 2 - 1


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How to Study ...

I believe that there are way to study for exam. I do think the key to the success is understanding , able to relate what we have learn. On how to do so... it's defintely is not easy. I am taking my Bachelor in BA... Five more papers to do.. Did badly the last time. I think i am not mentally prepared to study. So First thing I think I have to do is get myself mentally prepared to study. 2nd Planning.. on how to study. I must search for all the resouces that is readily available to me. I am sourcing for ways to study.

Study Guide - How to Study

Preparing to Study - Mentally and physically.

1. Find a good place to study. For me this is finding my best direction in fengshui for Education too. With the mentality of good direction, mentally it bring me good chi on study better.
Preparing to Study Find a good place to study. This means a desk with nothing on it except what you need for the task you are going to work on. Move everything out of the way. You want to concentrate on one thing: studying. Have a regular time and place for studying. Make sure you have the following: Your assignment notebook Solid flat surface for writing Good lighting Chair Books Supplies Clock Eliminate all distractions Computer (optional) Wear your glasses (if you are supposed to) Good health Your assignment notebook Write down all assignments right away. Listen carefully to what the teacher says. Know exactly what you are supposed to do. Start immediately when you sit down to study. Have everything that you need with you. Plan what you want to accomplish. Plan when you will study. Plan a consistent time and place. Break down large tasks into smaller ones. Make a list of what you want to accomplish. Keep a record of what you do accomplish. Solid flat surface you can write on Clear everything off your desk except what you are working on. Good lighting Not too bright, not too dim Chair A regular chair that is comfortable Avoid strain and fatigue. Books Have all necessary textbooks and reference books. Supplies Pencils, pens, markers, erasers, white-out, ruler, stapler and staples, paperclips, pencil sharpener, post it notes, index cards, paper, scissors, calculator, etc. Have them in a handy place - like in a shoe box. Clock This will help you to manage your time. Eliminate all distractions This would include TV, loud radio music, boom-boxes, etc. Classical music played softly may be helpful. Be aware of when you start to daydream - and stop right away. Computer (optional) If you have one, it can be helpful. If you don't, you can get along just fine without it. Wear your glasses If you are supposed to wear glasses, please do so. This will help in getting the most out of your studying. Good health Get enough sleep: Set a reasonable bedtime. Eat breakfast: Eat three good meals a day, Your body needs energy to study well. Get some exercise. Take frequent breaks from studying: This may mean every ten minutes to begin with! Print this list and refer to it often!

2. How to Listen Better in class Improving Reading Skills A Strategy for Reading Textbooks Taking Notes in Class A Strategy for Taking Tests The DETER Strategy for Taking Tests To do well on a test, you must have good knowledge of the information that is being tested. But you must also have a strategy for taking the test that allows you to show what you know. The DETER strategy can help you do your best on any test. Each letter in DETER reminds you what to do. D = Directions Read the test directions very carefully. Ask your teacher to explain anything about the test directions you do not understand. Only by following the directions can you achieve a good score on the test. If you do not follow the directions, you will not be able to demonstrate what you know. E = Examine Examine the entire test to see how much you have to do. Only by knowing the entire task can you break it down into parts that become manageable for you. T = Time Once you have examined the entire test, decide how much time you will spend on each item. If there are different points for items, plan to spend the most time on the items that count for the most points. Planning your time is especially important for essay tests where you must avoid spending so much time on one item that you have little time left for other test items. E = Easiest The second E in DETER reminds you to answer the items you find easiest first. If you get stuck on a difficult item that comes up early in the test, you may not get to answer items that test things you know. R = Review If you have planned your time correctly, you will have time to review your answers and make them as complete and accurate as possible. Also make sure to review the test directions to be certain you have answered all items required. Using the DETER strategy will help you do better on tests and get better grades.

Lobang - offer

Special Offers

ADULTS AT KIDS' PRICES
Adults pay kids' prices at Club Med! Exclusively for UOB Credit Card holders and Club Med members

http://www.clubmed.com.sg/cm/home.do?PAYS=362&LANG=AE

ADULTS AT KIDS' PRICES
Exclusive to Club Med members and UOB Credit Card holders only


--------------------------------------------------------------------------------

Adults at Kids' Prices!


Book a 5D4N All-Inclusive holiday to Club Med Bali, Cherating Beach, Kani, Kabira Beach or Phuket and Adults pay Kids' Prices!

Book by 21 April
Travel between 1 May - 30 September

Our All-Inclusive Package includes:
- Return air tickets (optional)
- Return airport transfers (optional)
- Welcome drink
- Twin-share accommodation
- Sumptuous Buffet Breakfast, Lunch and Dinner with free flow of red and white wine and beverages during Lunch and Dinner
- Open bar and snacks
- All Sports activities with expert tuition including archery and flying trapeze
- Nightly entertainment

For reservations, book online now or call us at 1800 258 2633

Preference Dentist as recommend

This list is compile for my preference ... I have tested some of the dentist. Some are recommend by my friends

1) Allsmiles Dental Care Reg. Name: Allsmiles Dental Care
997Tampines MRT (EW2) #01-26, 20 Tampines Central 1, (S)529538

Tel: 67853303 | Fax: 67866282
Dr OH
Review : Tested personally and he is a very funny dentist.
Recommend by my sister. I am confident with him to take care of my tooth. DId my first root canal and crowning with him.

Great guy, cost is normal ..

2) Victorial Dentist at River view mall.
Dentist only there once a day in sunday
Review : Had to emergency to visit a dentist as suspect tooth decay. Felt nerve pain.
This is a lady doctor who I have visted yesterday. Cost is expected ..
No problem with my tooth but suspect senstitive tooth. so application of flouride is recommend. No decay.

$60 for cleaning
$20 for FLouride application
$15 for consultant

How to get my child to be more independent and pack her things?

(1)Talk to your children about Self Reliance. Brainstorm some ways that everyone in the family can be self reliant—at which time, you can challenge and encourage your child to start packing is or her own bag.

(2) Let them know what’s happening: Tell your children about any vacations, trips, overnights, or special classes so that they can start to mentally prepare. Have them start thinking about what they’ll need for their special vacation

(3)Teach them how to make a list: If your child is old enough to write, s/he will be able to start a list of what s/he’ll need to put in the bag. Younger children will need more help then older ones. Check the list after they think it’s complete. If something’s missing, like a toothbrush, simple ask a question like, “what will you need to get ready for bed at night and when you get up in the morning?” Allowing them to come up with the answer will reinforce their abilities to become self reliant.

(4)Designate the bag: If your children are frequently going on a trip to Grandma’s house or goes to their Powerful Words academy every week, make sure they have a bag that is specifically for that situation. That way, they won’t keep taking things out and putting things in—which means things will be forgotten and lost. The bag should be big enough for what they need. Help them to choose the right bag for themselves. If it’s for your Powerful Words school, get a bag with the school name on it so that it’s labeled for that purpose.

(5)What should always be in the bag? Help your children determine some things that stay in the bag at all times. For example, if a special notebook always needs to go to school or class, teach your child to keep it in the special bag.

(6)Teach them how to figure out how much they’ll need: Make some simple equations. Number of nights= number of pairs of underwear. Number of days= number of pairs of socks. Number of hours in class at your Powerful Words School= X amount of water bottles.

(7)Have them get dressed in their minds: If they’re going somewhere hot, have them pretend to get dressed and talk out loud about each article of clothing they will need, for example, underwear, shorts, t-shirt, sandals, hat, sunglasses, bathing-suit and sunscreen. They can do the same thing for class (i.e. t-shirt, uniform, special shoes, socks, any protective/special gear). They can even look in the mirror while they’re doing it so they don’t miss it.

(8) What will they do while they’re waiting? Teach your children to prepare for what they need while they are in action and what they need when they are sitting still. What will they do in the car, on the plane, in the waiting room, or during a break? Whether they are traveling far distances or simply waiting while their sister is taking another class, they’ll need to think ahead and pack accordingly.

9) Have them check off everything on their master list: As each article is packed, teach them to check off the item on their list. Did they pack their camera? Check. Did they pack their belt? Check. Do they have their homework or project? Check. Allow them to check off the items so that it reinforces their own self reliance.

10) Allow them to make small mistakes: While we can’t have them forget their airline tickets, if they forget to pack their favorite stationary for writing, chalk it up to learning. They’ll remember it the next time. Similarly, for class, if they forget part of their uniform or homework, they’ll learn a lot more from feeling unprepared than they will from you going back home to get it for them. While it’s difficult, teaching self reliance comes from trial and error as well as from direct teaching from you.

This month, why not challenge your children to learning how to pack their own bags? Do they have a trip coming up? When is their next class at their Powerful Words school? Becoming responsible for ones own things and becoming more self reliant as they develop, is part of growing up to be a Powerful person!

How to control kids

Recently my daughter took a turn in her behavour. She has been very rebellious, talking back and bullying her mummy. I need to enforce my discipline on her. Even her dad was telling her off. There must be something I can do to enforce the discipline and yet not to be too strict on her. She is a big girl in primary one. I wish to give her ample learning space with limited controls. She has got me fustrated on a few occassions. Actually more than a few. There must be something I can do.

How to Get Your Kids Under Control

• ***Communication***

First, discuss your expectations with your child. Oftentimes, children are not sure what is expected of them. Teach your children to listen to your specific instructions. Make time to have discussion about out of control behavior. Schedule regular family meetings and review house rules. Demand that your child respect authority and start behaving in an acceptable manner.

• ***Monitoring Behavior***

Next, it is imperative that as a parent you monitor the behavior of your children. Every day you need to make an assessment of what your child is doing and how they are acting. Are they disrespectful? Are they constantly arguing with their siblings? If yes, then maybe it is time for a meeting to resolve these issues. Also, help your child to clean her room by checking it every other day. Ask your child if she needs help in any area in order to prevent out of control behavior.

• ***Consequences***

Finally, out of control children need to learn that there are severe consequences to their behavior. Ban your child from watching television for 30 days if she misbehaves. Stop your children from gaining access to the home computer until the out of control behavior ceases. When your child is still acting like a baby, it is time to address the situation. You are the parent; it's time for you to gain control. http://www.ehow.com/how_5046625_kids-under-control.html

Tips & Warnings Listen to your children's concerns. Reward your child for good behavior. Remember that you were once a child yourself. Choosing not to discipline your child is a form of neglect. Never, ever physically abuse your child to the point of injury. Monitor the company your child is keeping. Read more: How to Get Your Kids Under Control eHow.com http://www.ehow.com/how_5046625_kids-under-control.html#ixzz1HwNOySKP

How to control my anger/ temper

I always heard this from my hubby on me need to control my temper/ anger. With having a little girl around, this is quite important as it has become one of the things I been trying to improve as a mum. I am not the most perfect mum with the perfect behaviour but i love my child that is the most important factor. Below are some information I have come across 10 tips to help get your anger under control

1. Take a 'timeout.' Although it may seem cliche, counting to 10 before reacting really can defuse your temper.


2. Get some space. Take a break from the person you're angry with until your frustrations subside a bit.


3. Once you're calm, express your anger. It's healthy to express your frustration in a nonconfrontational way. Stewing about it can make the situation worse.


4. Get some exercise. Physical activity can provide an outlet for your emotions, especially if you're about to erupt. Go for a brisk walk or a run, swim, lift weights or shoot baskets.


5. Think carefully before you say anything. Otherwise, you're likely to say something you'll regret. It can be helpful to write down what you want to say so that you can stick to the issues. When you're angry, it's easy to get sidetracked.


6. Identify solutions to the situation. Instead of focusing on what made you mad, work with the person who angered you to resolve the issue at hand.


7. Use 'I' statements when describing the problem. This will help you to avoid criticizing or placing blame, which can make the other person angry or resentful — and increase tension. For instance, say, "I'm upset you didn't help with the housework this evening," instead of, "You should have helped with the housework."


8. Don't hold a grudge. If you can forgive the other person, it will help you both. It's unrealistic to expect everyone to behave exactly as you want.


9. Use humor to release tensions. Lightening up can help diffuse tension. Don't use sarcasm, though — it's can hurt feelings and make things worse.


10. Practice relaxation skills. Learning skills to relax and de-stress can also help control your temper when it may flare up. Practice deep-breathing exercises, visualize a relaxing scene, or repeat a calming word or phrase to yourself, such as "Take it easy." Other proven ways to ease anger include listening to music, writing in a journal and doing yoga. Haha doing yoga is something i hardly do... may be jogging..

Another found

Steps1 Use the "F.L.O.W." method to calm down when you are boiling" Ads by Google Manage Your Anxiety NowA Trans4mational Way to Manage Anxiety Act NOW... Call 9186 3575 http://www.trans4mationaltherapy.com/

F is for Focus: If you feel that you're about to lose your temper, try to focus and remain grounded. Use deep breathing or counting to get your brain thinking rationally.

Tell yourself that you are not going to explode and repeat "I am not going to lose it" several times over, so that the message sinks in internally.

L is for Listen: When you are in a situation that makes you angry, or you are in disagreement with someone, try to really listen to them and empathise with them. Our ability to empathise with others is critical in being able to listen well; if you are not able to empathise, you are not really able to hear. Try to understand the conflict from their point of view; people will value and respect you for listening to them.

O is for Objectivity: If you're in disagreement with someone, try not to take it personally. When you take something that someone else has said personally, you lose all form of objectivity. It is critical that you identify that you are taking it personally. Then you have a choice about how you want to respond. Try to stay objective about the situation, and this will help you to not become angry. Objectivity is an indicator of maturity and helps you to have much healthier relationships.

W is for Wait: People with anger management problems tend to react to situations immediately, without taking the time to consider their reaction.

If you feel like you're about to explode or lose your temper, try to take a moment to think and reflect before you react. Use this time to think about what the consequences of an angry outburst would be. Waiting is a very successful indicator that you are managing your anger. You will feel really liberated and the whole process of managing anger becomes fun.

2 Follow through these steps every time that you encounter a situation that drives you to feel anger.

Let "F.L.O.W." be the mantra that flows through you each time a situation triggering anger arises. # Cease to get angry at situations over which you have no control. Traffic jams, slow queues, strikes, broken appliances etc. are all laws unto themselves and being angry at them is only going to make your own blood boil; it won't change the status quo.

Be productive not angry and use your skills to effect change, such as planning a different route home using a map or GPS, asking a neighbour for a lift during a bus strike or phoning a plumber when the washing machine breaks.

3 Learn the difference between angry expression of your opinions and issues and assertiveness. Many people never learn this and continue to think that yelling, cursing and blowing their top is asserting themselves. It is not; it is reacting in a heated fashion and not using reasoned discussion.

If you have trouble managing this distinction and your anger, seek professional counseling, or join an anger management group to learn coping techniques and to undo bad habits.

Best Sites for Great Deals

Best Sites for Great Deals ( lifted this out from the website as it seen to be very good ) Tuesday March 8, 2011 12:56 am PST If you haven't already bought into the whole coupon craze, maybe it's high time you did. Internet-organized group buying has exploded in the last two years, with world leader Groupon rejecting a US$6 billion offer from Google at the end of last year. The premise is simple - you indicate your interest in a deal and if the requisite number of other people do likewise (the "tipping point" in marketing speak), the deal is activated. While a deal-a-day might not keep the doctor away, the best coupon sites are worth exploring for some great savings. But with some 14 (and counting) different websites in Singapore offering deals that run the gamut of dining, travel and beauty services, it can all be a little overwhelming. We road-tested the most high-profile of these sites to save you time when it comes time to saving.

• BigDeal.sg

The Good: We imagine most folks would be pleased with the array of offers available here (food and travel, as well as beauty services). You can get your hair permed/colored on the cheap, a 60-minute body massage, or pick from a list of dining partners that includes Forlino, Michelangelo's and miki yo (most of which are under $50). The Bad: The uber tacky website, complete with images of Cupid, kissing couples and a red and pink background (barf). On top of that, their "more deals" tab on the homepage doesn't list the time the offer is valid for, while the layout of Terms and Conditions is messy and unprofessional. Verdict: If you can overlook the hideous design issues (We can't - so sue us. We're all for aesthetics), there are a fair number of respectable offers. Variety: ✔✔✔✔✔ Usability: ***** Notable merchants: Forlino, Sentosa, Outback Stakehouse, Night Safari First Deal: May 2010 Frequency: Updated once a day, with one deal sent by email daily. No. of ongoing deals: 4 Savings: 40-97% Payment: AE/MC/V, PayPal

• CityNomads.com

The Good: Carefully curated, one-of-a-kind deals. While the scope is narrow (it's almost entirely restaurants and bars), the selection is genuinely impressive with recent offers including menu discounts at El Toro and 50% off at Infusion@Dempsey. We booked a wine dinner at Bistro Amigo ($99, down from $160) and the experience far exceeded our expectations. (The food was cooked by a former "Top Chef" contestant, no less.) City Nomads also hawk bottles of vino and shake things up once in a while with non-dining-related deals like golf at Urban Fairways. The Bad: Not so great if you're not a foodie or night owl. Typically only one or two deals a day. Still in need of some fine-tuning (not listing a time for one event, saying that a coupon would be sent when in fact none was required). Having said that, they are quick to make corrections when pointed out. Verdict: Well worth looking at, particularly if you're big on food and drink. Professionally done and, barring a few teething problems, shows real promise. Not even Groupon offers such unique experiences. Variety: ✔✔✔✔✔ Usability: ***** Notable merchants: El Toro, Infusion, Shots Cafe, Oosters Belgian Brasserie First Deal: Dec 2010 Frequency: Every 2-3 days, with daily email reminders. No. of ongoing deals: 1-2 Savings: 50-81% Payment: AE/MC/V, PayPal

• Deal.com.sg

The Good: This is one of the more established sites with a good range of travel, retail, dining, beauty and entertainment deals. They've already worked with dependable brands such as Skinny Pizza, Marie France Bodyline and Hog's Breath Café. On top of the usual tabs, they have a friend referral system that earns you $6 credits for each successful referral. Extra savings - score! The Bad: While we appreciate the sidebar of other deals available, the slew of non-essential information crammed underneath really clutters the site. Worse still, customers who bought a four-day Bangkok holiday package back in January discovered they had to pay considerable extra charges, not listed in the promotion. The company did offer refunds, but it's hardly a tale that gives us confidence. Verdict: It's worth checking out to see what's available (you never know what might pop up), although not all of the deals are with what we would consider top-notch partner merchants. Variety: ✔✔✔✔✔ Usability: ***** Notable merchants: Holiday Inn, Hog's Breathe Cafe, Mad for Garlic First Deal: May 2010 Frequency: Up to 3 new deals, one new deal emailed daily. No. of ongoing deals: 3-5 Savings: 40-94% Payment: AE/MC/V, PayPal, Smoovcard

• Groupon.sg

The Good: Formerly known as Beeconomic, this Singapore-born site has since been acquired by Groupon for a purported $24 million - but we don't care about that. What we do care about is that they have (hands-down) the greatest variety of deals: a smorgasbord of health and beauty, entertainment, dining, travel and retail options with over 280 merchants such as Chan Brothers, Ben & Jerry's and L'Officiel. And the customer support hotline is something they can be proud of (other sites try to bury theirs at the bottom of the page). The Bad: Users will only benefit from their "recommend a friend" function if the friend purchases a successful deal within 72 hours of the referral. That's sneaky. Also, the "more deals" tab on their homepage doesn't list the time the offer is valid till. And the deal write-ups, while still amusing, lack the polished humour that helped make its US parent such a star. Verdict: As much as we shy away from the predictable - in this case - the brand name and (no doubt) financial backing really pays off. The site's easy to use and the sheer assortment of deals makes this the site with the most mass appeal. There really is something for everyone. Variety: ✔✔✔✔✔ Usability: ***** Notable merchants: Mint Museum of Toys, Groove, Tully's Coffee, LAMC Productions First Deal: May 2010 Frequency: Three new deals on website, one new deal emailed daily. No. of ongoing deals: 3-5 Savings: 50-96% Payment: AE/MC/V, PayPal

• Hungrydeals.hungrygowhere.com

The Good: One of Singapore's most popular food sites has gotten in on the coupon action. It should mean crowd-pleasing deals, right? Some aren't bad: 50% off at Shin Sapporo Ramen, an exclusive tie-up with Illy Coffee, and recently - a foodie trip to Batam. Their Facebook page is pretty active, with prompt feedback on customer requests. The "Bring Back Deal" request feature is a nice touch, too. The Bad: We know it's not their main business, but it still feels like an afterthought. The site is so bare it might as well be naked - and from what we can tell - it doesn't seem to be very well-maintained. There's also an additional $0.25 transaction fee (save us the arithmetic and just build it into the total, why don't you?) Verdict: Let's just say we won't be coming back. We expected a whole lot more from this foodie household name website, and we most certainly didn't get it. Variety: ✔✔✔✔✔ Usability: ***** Notable merchants: Shin Sapporo Ramen, Illy Coffee, Platypus Kitchen, Brewerkz First Deal: Dec 2010 Frequency: One new deal emailed daily. No. of ongoing deals: 1 Savings: 50-66% Payment: AE/MC/V, PayPal

• Liveoffcoupon.com

The Good: Aside from travel deals with affordable accommodation packages, beauty offers (fancy a Brazilian?), and discounted movie tickets - there are also dining deals aplenty. The Bad: The site doesn't really provide details of past deals, so it's hard to get a sense of exactly what's been offered or what's to come. Also, their "refer friends and get money" option is listed but doesn't seem to be functioning. Quite a few of the partner restaurants aren't very good in our book. So what if we pay less for a mediocre lunch? We'd rather spend our money (and calories) on food that's really worth it. Verdict: Some interesting offers, especially short travel ones. While we can't speak for the quality of the hotels, it might be worth exploring for a cheap weekend getaway (if you aren't too fussy that is). Variety: ✔✔✔✔✔ Usability: ***** Notable merchants: SAF Yacht Club, Samy's Curry, Cathay Cineplexes, Pasta de Waraku First Deal: Oct 2010 Frequency: One deal emailed daily. No. of ongoing deals: 2-3 Savings: 40-92% Payment: AE/MC/V, PayPal

• StreetDeal.sg

The Good: The site's layout is simple yet functional, with a sidebar of other deals as well as a concise 3-step "how does it work?" box. Deals vary from dining at Krish for a mere $16 to a 4D3N stay at Bangkok's Four Points by Sheraton for just $235 (We stayed there when it opened in December and at 60% off - that's a real bargain). They also have offers on health and beauty, games, retail and entertainment. Their friend referral system credits you with $8 per friend. That works out to be quite a hefty bundle if you invite all your "friends." The Bad: Not publishing a customer helpline number is a real deal-breaker, and we'd appreciate being able to see how long the other deals on the homepage have left to run without having to click through to them first. The "How It Works" section is also far from clear. Verdict: Not bad at all. Ladies in particular, will be impressed by the diverse range of health and beauty deals on offer. But frankly, there's something for everyone here. Variety: ✔✔✔✔✔ Usability: ***** Notable brands: Kusu Retaurant, Body Coutours, That Purple Place, Inizio First Deal: Oct 2010 Frequency: One deal emailed daily. No. of ongoing deals: 3-4 Savings: 30-92% Payment: AE/MC/V, PayPal

• Tip-It.com.sg

The Good: The site is well-organized and navigation is a breeze. We spied everything from art and cooking classes to dining and travel, not to mention health and beauty, entertainment and retail stuff too. The Bad: The variety we like, but we call into question the quality of their partner merchants. We simply haven't heard of many of them. You also can't zoom in on the merchant locator map, which makes it kind of redundant. Verdict: We recommend doing some serious research on the partner establishments before you bid. Variety: ✔✔✔✔✔ Usability: ***** Notable merchants: Cathay, Seventh Heaven, Ramen Culture, Movenpick Ice Cream Creations First Deal: Aug 2010 Frequency: A new deal emailed daily. No. of ongoing deals: 2-3 Savings: 20-90% Payment: AE/MC/V/ bank transfers, GiroPay, PayPal Beeconomic http://beeconomic.com/