Singapore Tightens Properly Loans

Singaporeans will find it hard to apply for property loans now that the tightening of loan rules is in full effect. The Minister of National Development said that this tightening is a measure to guarantee a steady property market.

Singaporeans should expect this to be permanent in time. The Central Bank initiated two frameworks- TDSR (Total Debt Servicing Ratio) and LTV (Loan to Value) which strongly limits housing loans. This action will fortify credit practices and promote financial forethought amongst borrowers.

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Aside from strengthening the property market, the government is eyeing to create a HDB community that will promote multi generation families to live closer. New houses are built in Tampines, Woodlands, Yishun and Sembawang that will encourage children to be near their parents or grandparents.

But how will you know you are ready to go on your separate way? Buying a house is difficult especially with the tightening security measure. You should be ready if ever you choose to avail of the housing loan. You should:

  • Look for a suitable community. You should canvass the community and see if it is what you like. This is crucial since you will spend most of your time there. You should determine if the community suits you well.
  • Make sure you can afford it. Of course, this is important. Do not enter into something that you cannot handle. Do not let pressure sink in. If you cannot afford it, stay in an apartment or rent a room. Do not push it because you will be the one who will suffer later.
  • If you consider private loans, compare interest rates. If you want to get bank loans, you should compare interest rates and payment schemes among banking institutions. It is important that you are oriented about the guidelines so you will know what to expect.

22 Jul 2013

Do Not Be Afraid of the Wildlife

When you encounter the wildlife, you feel scared because you feel unsafe and threatened. Indeed there are animals that should be feared but there are animals that are adorable and safe.

To which animals are adorable and safe, you can visit the following places:

S.E.A Aquarium

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S.E.A Aquarium lies in Resorts World Sentosa. Admission charges apply. Adults should pay S$33 and S$23 for children (4 to 12 years of age) and seniors (above 60 years of age). They are open from 10 am to 7pm daily. For other inquiries and ticketing information, you can call them at (+65) 6577-8888.

S.E.A Aquarium is considered the largest aquarium in the world. The aquarium houses more than 800 marine species.

River Safari

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River Safari lies in Mandai Lake Road. Park admission for adult is S$25, S$16 for children and S$12.50 for seniors. They are open from 9am to 6pm every day. For other inquiries and ticketing information, you can call them at (+65) 6269-3411 or 6365-2331.

At the safari, you will encounter 300 terrestrial and aquatic species. You can also visit the giant pandas in their forest.

Night Safari

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Night Safari also lies in Mandai Lake Road. Park admission for adult is S$35 and S$23 for children. They are open from 7:30am to 12am. For other inquiries and ticketing information, you can call them at (+65) 6269-3411.

You now have a chance to observe nocturnal animals at their natural habitat. You will see 115 species of animals in the park.

Singapore Zoo

Singapore-Zoo

Singapore Zoo is adjacent to River Safari and Night Safari at Mandai Lake Road. Park admission for adult is S$35 and S$23 for children. They are open from 8:30am to 6pm. For other inquiries and ticketing information, you can call them at (+65) 6269-3411.

20 Jul 2013

Discover Singapore’s ArtScience Museum

Your Marina Bay experience will never be complete without visiting the ArtScience Museum. ArtScience Museum is the first in the world. It is a famous attraction of Marina Bay Sands opened last February 2011. When you see the structure, you will think of hands. Others thought of the structure as a banana or a lotus flower. The developers are proud of the structure because of its practicality. Rainwater is collected at the center of the building which is recycled for the building’s restrooms.

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Here’s what you need to know about ArtScience Museum:

Exhibitions

You can choose between permanent exhibition and travelling exhibitions. Permanent exhibition comprises of three galleries (Curiosity, Inspiration and Expression). Travelling exhibitions change presentations or exhibitions over a period of time. For 2013, you can see The Art of the Brick and Mummy: Secrets of the Tomb (opening April 27, 2013).

Amenities

The museum offers different amenities for visitors to enhance their experience. There are information and general assistance centers if you need to ask something. For bulky items, you can leave it at the Bag Check counters; it is advisable not to bring bulky or sharp objects. There are souvenir shops and cafes you can go to if you want to relax. Don’t worry because there is First Aid room if you feel uncomfortable or sick.

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Getting there

You can choose to ride your car, ride a taxi, MRT or bus. Car park is at the North Car Park of the Marina Bay Sands. Taxis are convenient if you want to get there fast. If you decide to take the bus, look for SBS 97, 97E, 133M, 502 and 518. For MRT, make sure to reach Bayfront, Promenade or Marina Bay stations then you can walk from there.

18 Jul 2013

A Well Deserved Treat

When you feel that you are so exhausted and stressed out, it is time that you stop for a while and indulge in gratifying activities. There are many activities that you can do but if you simply want to sit around and marvel, you should consider spas and other wellness centres. You will surely feel new, fresh and beautiful when you get out.

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Here are some establishments that you can visit:

Aramsa-The Garden Spa

Aramsa is situated in Bishan Park II. They operate from Monday-Friday (10am to 10pm) and Saturday-Sunday & Holidays (9am to 10pm). Services start at S$100 to S$300. If you want to book an appointment, you can call them at (+65) 6456-6556.

If you want a garden theme, Aramsa is the best place to go. It lies within Bishan Park with 17 treatment rooms designed to give you the best time of your life. They have Pilates studio and cafe.

Aura Royalis Spa

Aura Roayalis Spa is situated in Lorong 2 Toa Payoh. They operate from Monday-Friday (10am to 9pm), Saturday (10am to 6pm) and Sunday (12pm to 6pm). Services start at S$38 onwards. If you want to book an appointment, you can call them at (+65) 6223-4498.

They offer facials, massage and slimming trial packages.

AFOND Boutique Spa

AFOND is situated in South Bridge Road. They operate from Monday-Friday (11am to 9pm) and Saturday-Sunday & Holidays (10:30am to 6:30pm). Services start at S$68 to S400. If you want to book an appointment, you can call them at (+65) 6836-0676.

They offer spa treatments for couples and singles, facials and body massages.

The Asian Spa

The Asian Spa is situated in Fullerton Square. They operate daily from 10am to 11pm. Services start at S$70 onwards. If you want to book an appointment, you can call them at (+65) 6877-8183.

They offer luxurious spa packages for singles, couples and the family. They have swimming pool, fitness centre and treatment rooms that you can avail of.

These days, if you want to feel good, you don’t need to exert much effort. You just need to make time for it. They will take care of everything.

17 Jul 2013

Discovering Asia’s Past

The past teaches us lessons and so museums are one of our best learning institutes. In Singapore, there are a variety of museums, each featuring different cultures, histories, and forms of art. It’s important that we study our past to appreciate what we have now. We can begin by going to the Asian Civilization Museum. Here’s what you need to know about ACM:

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Collections. The museum showcases collections from the history of China, Southeast Asia, South Asia and West Asia. The exhibits contain works of art and informative displays about history and culture.

Facilities. Apart from the various feature exhibition section, ACM also has restaurants that offer Asian cuisines, souvenir shops and function halls.

Getting There. If you decide to take the MRT, ride to Raffles Place station. The station is just a five minute walk to the ACM. If you have a car, there is a nearby car park along Empress Place next to the museum edifice. There is another car park at the basement of the New Parliament House. If you are near One Fullerton (across the Fullerton Hotel), parking is also available there.

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Admission Charges. Admission is free for children below six years old, senior citizens, students and service men. For regular adult visitors and tourists, S$5.00 is charged per ticket or S$11.00 for joint tickets. Discounts are given every Fridays.

Operating Hours. During Mondays, ACM is open from 1pm to 7pm. During Tuesday, Wednesday, Thursday and Friday, they are open from 9am to 7pm. During Saturday and Sunday, they are open from 9am to 7pm.

15 Jul 2013

How to Survive Floods

Last April 28, 2013, the intersection of Chai Chee Road and Upper Changi Road in Singapore experienced flash floods after the heavy outpour. Other areas with high flood risk include Chin Cheng Avenue close to Jamiyah Children’s home, Siglap Road, Marine Parade Road, Bedok South Road and South Avenue 1 and Geylang River.

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Other neighbouring countries also experience flash floods-some are worse than the others. If it is uncontrollable, the government should consider immediate actions. But before anything else, the public should know the causes, implications and the solution of the government pertaining to flash floods. Here’s a look:

Causes

When it rains, some of the water is retained by the soil, some is absorbed by vegetations, some evaporates and the remaining gets to stream channels. Floods happen when soil and vegetation cannot absorb all water or inability of the water to reach towards streams, ponds and reservoirs. Flash floods refer to the rapid rise and fall of water in an area. Sometimes it happens so fast that little or no advance warnings are given.

Effects

Floods have various negative effects. It can surely damage the property and endanger the lives of its people and animals. It can also cause soil erosion. The habitat of fishes and wildlife will be destroyed. Financial losses are evident because when there is flood, all transactions and infrastructures will stop until it is reconstructed or rehabilitated.

Solution

The only solution is flood control. The government should think of ways to control the flood to protect the people, their property and the government’s infrastructure. There are many methods a government can undertake, they can start with reforestation and construction of dams, reservoirs and flood ways.

14 Jul 2013

SG Students Won Angus Ross Prize-Again

Singapore maintained its winning streak of Angus Ross Prize. Since the commencement of Angus Ross in 1987, Singapore students have been successful in getting the prize almost every year. Angus Ross Prize is given to the finest performing non-British candidate in the GCE A-Level English Literature examinations. The award is given by Cambridge International Examinations. Last year, two Singapore students won the prize.

Angus Ross

They are Chang Kay Hou Darrel and Edward Low Jun Qian of the Hwa Chong Institution. Chang Darrel topped the competition while Edward Low is the runner up. Singapore Examinations and Assessment Board (SEAB) announced that the winning student will receive £100 bank draft. Both students will accept a letter of commendation from the prestigious Cambridge International Examinations. Out of more than 11000 entries worldwide, the literary works of two Singapore students were chosen, congratulations to the both of them.

Singapore uses Cambridge International A Level as a state qualification. In America, many schools are utilizing the Cambridge program to further improve their educational standards. In New Zealand, numerous schools decide to use Cambridge International A Levels as a substitute to their local system.

Aside from countries mentioned above, it is said that there are more than 100 countries that adhere to Cambridge International A and AS Levels. Any school may use the Cambridge program as a substitute to national, local or state examinations. Countries that consider Cambridge program believe that they can inspire, motivate and stimulate the student’s literary competence. Singapore is proud of their students and their literary works.

11 Jul 2013

Your Garden Decorations

When the word “decoration” is mentioned, most people immediately think of decorations in the living room, decoration pieces inside the room, kitchen, or somewhere else in the house. Only few people can associate “decorations” with gardens.

Many people say that the best and most ideal way to decorate a garden is to plant varieties of flowers and plants. Yes, it’s true, but there’s so much more you can do than just planting flowers. With the right garden decorations, you can turn your plain and simple garden into your own personal paradise.

Bird Bath. Bird baths are available in different styles and designs. There are bird baths in modern designs and there are also in traditional designs. Bird baths doesn’t only add beauty to your garden, but it attracts birds as well, thus giving more life to your own personal space.

Garden Benches. By adding garden benches, you will have a sanctuary place where you can just sit, relax, and please your eyes with the beauty of your own home. Set the bench in an area where you can have great views of all the beautiful flowers and greeneries of your garden.

Pond or Water Fountain. Water has always been very soothing, even the sound and look of flowing water can be very calming. Make your own mini oasis by placing a pond or a water fountain in the middle of your garden. You’ll find your sweet escape every time you come home from a bad and stressful day.

Lights. Don’t let the darkness stop you from enjoying the beauty of your garden. There are many different ways to light up your garden at night. The most common way is to place vine lights or string lights on tree branches, walls, and shrubs.

19 Mar 2013

Best Android Apps of 2013

Android has become the most popular mobile phone operating system. With so many smartphone brands supported by Android, the number of applications made to be compatible with it has also seen a large increase. Today, there are more than 700,000 application available in the market, and finding the best ones for your unit can be a bit daunting.

To help you choose the best apps, here are five of the highest-rated Android applications. Go check them out:

Avast! Mobile Security – This free app is a jam-packed of security features, like remote lock and wipe, safe Web browsing, app management, battery manager, and many more. It’s also incredibly light for your phones memory, so you don’t have to worry about the space it eats up.

Auto Memory Manager – When your handset feels a little sluggish, it doesn’t mean you need an upgrade right away. An easier solution is simply to manage your phone’s memory. AMM lets you set your memory manager settings – removing the need for task killers – to improve the performance of your phone.

History Eraser Pro – This app makes it easier to delete junks off the phone. It lets you manage all sorts of data, from browser history to text messages to cached files, and wipes them all out in one shot.

JuiceDefender – One downside of Android units is that it has a shorter battery life. JuiceDefender is a utility app that helps you conserve your battery by disabling draining programs and applications that you’re not really using.

Speed Test – Do you have a slow upload and download rate? If it’s a network problem, Speed Test will check it out for you. This app will let you test internet connectivity in less than a minute, displaying results of upload and download speed, connection consistency and other detailed information about your network connection.

19 Mar 2013

Partyin’ at the Discotheque

It’s a great feeling to groove with your friends at the discotheque every once in a while. If you are looking for a perfect place for your next night out, you might want to show those dance moves in these dance clubs.

Velvet Underground

Located in Jiak Kim St, Velvet Underground is a stylish dance club with two rooms, one being the main bar and dance floor and the other being a “chill out” room for more intimate occasions. Usually, majority of the crowd consists of young professionals. The exclusivity of this dance club can make your night even more fun and worthwhile. Before you and your friends know it, the guy dancing in the corner and the lady sipping a cocktail are celebrities.

Acid Bar

Acid Bar is for those who want a relaxed ambience while listening to good live music. It is the place where you can be with other music lovers who love listening to pop, jazz, and blues. Occasionally, there is also a percussion set to entertain regular customers. What makes Acid Bar more interesting and inviting is its al fresco setting. The concept of open air builds on the melodic atmosphere, making it jam-packed every night.

Home Club

Home Club is the perfect place to hang out if you and your buddies want to spend a night in the club while not deviating from the feeling of being in a cosy living room of a friend’s house. This club also supports local music artists, bands, and DJs. Also, local creative artists are encouraged to use the bar’s space and walls as canvass where they can paint their imagination.

19 Mar 2013