| 0 comments ]

The staff and crew of Donut Factory have two exciting announcements for you!

First, we are giving you two vouchers to let you know that we are standing up to this recession! Our value-driven vouchers will help you ease the recent financial pinch set upon us. Go on! We all have to eat, so come join us and lessen the worry just a little bit more. If you dare to share, then please feel free to pass this email along to your friends!

Your vouchers are below! Please print these vouchers and present them to our friendly staff before you order. If you are having challenges with viewing the vouchers, then kindly print this newsletter and present to our friendly staff.

Dount Factory Voucher #1
1.00 Off Any Beverage – Only one voucher can be used for each purchase. Not valid for purchase of canned or bottled beverage. Not to be exchanged for other items or cash. Offer is subject to availability. Not valid with other promotions or vouchers. Expiry: 28 Feb 2009

Dount Factory Voucher #2
$1 Off Box Of 6 Donuts - Only one voucher can be used for each purchase. Not to be exchanged for other items or cash. Offer is subject to availability. Not valid with other promotions or vouchers. Expiry: 28 Feb 2009

Urban Pantry Voucher #1
$1.00 Off Any Beverage – Only one voucher can be used for each purchase. Not valid for purchase of canned or bottled beverage. Not to be exchanged for other items or cash. Offer is subject to availability. Not valid with other promotions or vouchers. Expiry: 28 Feb 2009

Urban Pantry Voucher #2
FREE Coffee or Black Tea with Combo Meal Purchase. Only one voucher can be used for each purchase. Not to be exchanged for other items or cash. Offer is subject to availability. Not valid with other promotions or vouchers. Expiry: 28 Feb 2009

Second, we are announcing the newly opened Urban Pantry at Novena Square ! Come join us for amazing meals at amazing prices with a menu of comforting Asian-inspired savoury foods. As you expect from a Singaporean-borne dining sensation, dining options start at just $3.50 and the combo meals start at a mere $5.50! Don't forget to round out your meal with a light and wonderful donut from Singapore 's original Donut Factory.

Raffles City Shopping Centre
#B1-61, 250 North Bridge Road S(179101) +65.6336.7371

Suntec City Shopping Centre
Tower 3, #01-193, 3 Temasek Boulevard S(038985) +65.6235.9392

Velocity @ Novena Square - Home of Urban Pantry!
#02-33/34/42 238 Thomson Road S(307683) +65.6352.2297

Tiong Bahru Plaza
#01-47, 302 Tiong Bahru Road S(168732) +65.6276.7262

Planning an Event?
Order Donut Factory Donuts NOW! Call: +65.8138.1546 or email: corpmarketing@donutfactory.com.sg
Delivery is available! (Please order two (2) business days in advance for delivery.)
http://www.donutfactory.com.sg/

| 0 comments ]

Enjoy great holiday savings and fantastic rewards when you book your holidays with Citibank credit cards during NATAS Travel 2009. Stand to win LCD TV, iPod Nano and more fabulous gifts!

27 Feb (Fri): 12.00pm - 9.30pm
28 Feb & 1 Mar (Sat & Sun): 10.00am - 9.30pm
Singapore Expo, Halls 4 & 5 spacer

Charge to your Citibank credit card at NATAS Travel 2009 and receive these gifts at Booth No.: 5H43

1) SURE-WIN INSTANT DIP Spend a minimum of $800 and participate in our Sure-Win Instant Dip to win LCD TV, iPod Nano, digital camera, American Tourister trolley luggage, dining vouchers and more!

2) Spend a minimum of $2,500 and receive a stylish 4-wheeler hardcase trolley luggage. Limited to first 600 cardmembers per day.

3) Charge your NATAS entrance fee to your Citibank MasterCard Card and enjoy $1 off entrance fee. Limited to maximum 2 tickets per cardmember and while stocks last.

| 0 comments ]

‘SWOP’ Trade-in Promotion is here! Trade-in your old shoe at any of the Royal Sporting House stores from now till 8 March 2009 to enjoy 25% off on your new shoe.


SWOP your old shoes today!

| 0 comments ]

Bayan Tree Resort

Experience intimacy, romance and tranquility at a Banyan Tree or Angsana resort, in the privacy of your own villa. Offering indulgent spa treatments, dedicated Asian hospitality, and eclectic dining selections, be rejuvenated and leave our resorts with unforgettable experiences.

Citibank cardmembers enjoy special privileges at Banyan Tree Phuket and Banyan Tree Bangkok in Thailand; Banyan Tree and Angsana Bintan resorts in Indonesia; and Angsana Velavaru in the Maldives.

For a limited time period, you can enjoy the following amazing offers from Bintan Lagoon Resort.
1. Relaxing 2D/1N "Weekday Getaway" for only S$109 nett
2. A Golf Paradise 2D/1N package at S$310 nett
3. Golf Day Tripper Package for S$120 nett
Package is for weekday only and return ferry will be included.

Batam

For the first time, Citibank brings you Batam's hidden Oasis! Tempat Senang, a Balinese resort, offers both a relaxing environment and romantic setting that makes it a perfect getaway for those who appreciate luxury and sophistication.

- Midweek Couple Suite & Spa (Mon - Thur) 2D/1N -Starting from S$300 nett
- Weekend Couple Suite & Spa (Fri - Sun) 2D/1N -Starting from S$400 nett

Hong Kong

Sino Group of Hotels is one of the largest hotel chains in Hong Kong and the following exclusive rates are only for Citibank Cardmembers.
- The Royal Pacific Hotel and Towers (Kowloon) -From HK$1,300 per night
- Hong Kong Gold Coast Hotel (Kowloon) -From HK$980 per night
- City Garden Hotel (Hong Kong Island) -From HK$838 per night
- Island Pacific Hotel (Hong Kong Island) -From HK$888 per night

Ascott

Special rates and privileges from Ascott International - the largest global serviced residence operator in Asia Pacific, Europe and the Gulf region. It manages the Ascott, Somerset and Citadines brands in over 60 cities across more than 20 countries.
- Citadines Shanghai Jinqiao -From RMB 880 per night
- Citadines Bangkok Sukhumvit 11 -From THB 2,465 per night
- Somerset Milennium, Makati -From Pesos 5,690 per night

Frasers Hospitality

Celebrate the difference with special privileges by Frasers Hospitality. For a more personal touch, Frasers Hospitality offers Gold-Standard accommodation and award-winning service in key gateway cities around the globe.
- Fraser Place Manila -From Pesos 8,280 per night
- Fraser Place Shinjuku -From JPY 13,062 per night
- Fraser Suites CBDBeijing -FromRMB 859 per night

For bookings and further information, please visit www.citibank.com.sg/creditcards

| 0 comments ]

Qala presents to you their Latest Broadband Promotion:

1) TWO FREE ACER LAPTOPS - With any Static Plans Sign-up &

2) TWO FREE JABRA BLUETOOTH AND ONE LAPTOP - With any Dynamic Plans Sign-up


Prices start from S$168/mth. Call 6796 0380 To Sign up Today!!! Promotion is limited to first 50 Sign-ups only.

| 0 comments ]

I-Term insurance is among the lowest cost term insurances in the market. It is also a high protection life insurance policy that covers you for death (from Accident and Illness), total and permanent disabilities and terminal illnesses. As I-Term is designed to provide maximum cover with low premiums, it does not have any savings. It generally offers maximised insurance protection for your premium dollar. Click here to find out more!

Illustration of monthly premium of S$100,000 Life Insurance protection:
I-Term Benefits Include:

* Hassle-free & secured online application
* Amongst the lowest premiums yet highest coverage in the market
* Assured full sum is payable upon death from all causes i.e. accident and illness
* Premium rate is guaranteed for the entire term of the policy
* No minimum entry age for I-Term (maximum age for adults capped at 74 years old)
* Choose your own insurance policy term from 5 to 35 years to fulfill your needs
* Enjoy up to 20% discount off the premiums throughout the policy term for large sum assured.

| 0 comments ]

Can we expect V-shaped recovery or in a prolonged recession? Join Asian Economic Forecasting Action Economics Director and local economic outlook ipac Singapore Foundation Advisor for a seminar. On

Date: 3 March 2009 (tues)
Time: 630pm to 830pm.
At: ipac boardroom, 2 Battery Road, Level 27 Maybank Tower (opptosite Fullerton Hotel).
Fee: $30 per person, $50 per couple, if two gals / guys can be considered as couple or not?

RSVP to Michelle Chua 6511 7355 or michelle.chua@ipac.com.sg or visit www.ipacasia.com

| 0 comments ]

They want to pay you for:
• Sharing your opinions on products and services
• Participating in surveys conducted online, by phone, or in-person
• Trying free offers

In return, you get:
• Cash and gifts
• Rewards points, which converts into even more cash
• Referral rewards, whenever you refer others to participate
• Lucky draw entries and the chance to win fantastic prizes
• Your own shopping e-mall where you get cash back on all your purchases

So where is it? At http://www.yoursay.com/.

| 0 comments ]

Fri, 27th Feb - Sexy, Sassy, Snazzy

Sexy, Sassy, Snazzy is back at Le Noir featuring a sensuous performance that'll kick off the night from 9pm onwards. Thereafter, enjoy Retrolicious Hip Hop with DJ Titus & Yafith on the decks.

Sat, 28th Feb - Wei-Shen (AUS)

| 0 comments ]

Underwritten by ACE insurance, Savvy Traveller is an exclusive low cost travel plan that allows you to travel on an unlimited number of trips throughout the year (max 30 days per trip) with just a one time enrollment.

Enjoy year-round comprehensive protection
• Covers you automatically each time you travel
• For short trips across the causeway and long trips overseas
• Up to S$500,000 for Overseas Medical Coverage
• 24-Hour Worldwide Travel & Medical Assistance
• Double Indemnity for Public Conveyance Accident while traveling

Take unlimited number of trips
• Make as many trips as you like (up to 30 days per trip)

Covers an unlimited number of children
• Share the coverage with your spouse & children

Register in 3 easy ways:
1. Apply online or
2. SMS cititravel edm to 72484 or
3. Call (65) 6363-6666 (9am to 6pm, Mon to Fri)

Apply now to enjoy FREE coverage for the first month.

| 0 comments ]

Secrets You Will Discover When You Attend This 3 Hours Free Seminar

1. How the stock market ACTUALLY operates
2. Master the psychology of successful trading
3. How to avoid the costly mistakes 95% of investors make
4. How to trade securely & profitably with a success rate of up to 80%
5. How to screen for potentially massive profits using only 10 minutes a day
6. Trade without any intensive monitoring of the market
7. How to consistently benefit from the stock market beyond the monthly wage your boss decided you’re worth
8. How to acquire meaningful earnings as the market declines & strike windfall profits from market CRASHES
9. How to use the Stock Market as a vehicle to effectively harvest a fortune and further compound your growth for wealth creation and accumulation

Dates:
24th February (Tue) 7pm-10pm
26th February (Thu) 7pm-10pm
28th February (Sat) 3pm-6pm

Venue:
Concorde Hotel #03-17/18/19 (next to hotel lobby)
(Beside Istana, diagonally opp Dhoby Ghaut MRT)

For More Information, Call Delia at +65 - 9693 5723 Email: delia@trackthetrend.com
Find out more about the FREE PREVIEW click here

| 0 comments ]

Vineyards Direct sources some of the finest wines from Australia for your enjoyment. We offer the lowest prices in town and a hassle-free way of buying – just call them at 1800 BUY WINE (1800-289-9463). and they’ll deliver directly to your doorstep, for free.

And for a limited period, they're offering you a chance to win a professionally-managed investment wine portfolio worth $10,000.

Not only will you own a selection of great wines, you can be confident that it will be a commodity with excellent investment potential. So why wait, click now for a chance to own a stable investment in unstable times!

| 1 comments ]

Went to Suntec for the travel fair. As usual, they play all the trick at the price, e.g. they quote you the price of the 2nd person and hiding the expensive 1st person price. And bear in mind that all the prices exclude the tax and fuel surcharge. But there is a new trick now.....

Now, some big company will ask you to sign a form as below, that make the "additional trip" (last time known as "optional trip") as compulsory. Those additional one are like performance, dance show etc. In the past, you can decide to go or not, if you go then pay for the price. If not, they drive you back to hotel. But now, they say it is "additional" and you MUST go!

So the advertised price can be From $268. But that is the price for the 2nd person.
Then the price for the first person can be $1068, or $1366 for two.
That means per person is about $668 without tax and surcharge.
After adding the tax and surcharge it can be $788.
So adding the "additional trip" it becomes $868....
Can you see the difference in $868 vs the $268 on their advertised price?

If it is something compulsory, why not add to the cost of the trip? You guess what the staffs tell me? He says, if put in the price, it will be more expensive, will you still come to my counter?

Looks like economic is still not bad enough, full of people at the travel fair.

| 0 comments ]

Virtual Eye gives you real-time video streaming from a surveillance camera via the internet that can be accessed directly with your PC and mobile devices.You can now check on your home, office and loved ones at a click of your mouse or with your mobile phone when you are on the move.

Main Features:
- Enable Viewing your IP camera via any mobile phone and PC
- Secured and private with password authentication
- Support multiple user login both via mobile phone and PC
- Provides personalised viewing on portal by customising the portal environment
- Provides prerecorder playback with time and date selection
- Enables SMS / MMS alarm notification to the subscribers
- Support both wire and wireless IP camera
- Support online video recording on own virtual DVR application
- Provides chatting services such as online forum / online discussion
- Enable camera sharing with another subscribers
- Enables auto reconnection if Internet connection fails

Offer end on 8 March. Not bad what, can monitor what is happening at home. But preferably with more cameras.

| 0 comments ]

CFD Direct Market Access (DMA) sends clients’ CFD orders directly to the exchange, allowing clients to participate in the order book of the exchange and the liquidity of the market.

What's so good about CFD (DMA)?
- One CFD Account - 2 Types of CFDs
- Participate In The Order Book of The Exchange
- Place Overnight Orders
- 5x The Trading Power And Increased Leverage
- Convenience to Short Sell

How do I Opt in to CFD (DMA) trading? Only for clients with existing POEMS accounts (enabled for CFD trading):
1. Log on to POEMS
2. Navigate to CFD -> Forms -> DMA Opt-In
3. Opt in to CFD DMA trading through the online form

Be the first 100 clients to submit the CFD (DMA) Opt In Form online to receive 4 weeks FREE subscription of The Edge!

To Find out more about CFD (DMA): Click here for more information . To activate your account for CFD (DMA) trading, submit the Opt In form online. Access the form by logging in to POEMS>CFD>Forms. Opt in by 23rd Feb 09, 5pm to receive ##SMS notification of actual launch date. Beat the crowd and be the first to trade CFD (DMA).

| 0 comments ]

Visit NATAS Holidays 2009 for attractive travel deals
NATAS Travel 2009
27th Feb - 1st Mar 2009
Singapore Expo, Halls 4 & 5

Admission Tickets Discount
Get S$1 off NATAS Holidays 2009 entry ticket when you charge to your Maybank MasterCard*
*Maximum of 2 entry tickets per Maybank MasterCard cardmember. 1st come 1st served and while stocks last basis.

Also Charge S$5,000* and Redeem S$50 tr’eats vouchers (Limited to first 200 redemptions)

* Only travel-related purchases (including air tickets and travel packages) are eligible for redemption, and shall be determined for eligibility at Maybank’s discretion.

Send an SMS message between 27 February and 31 March 2009 to 9450 6890
Example: TVH Jasmine Tan S1234567A 1

Check for others promotions http://info.maybank2u.com.sg/eb/precious_treats/eblast.htm.

| 1 comments ]

Great offers at NATAS TRAVEL 2009!
Venue: Singapore Expo Halls 4 and 5
Date : 27 February to 1 March 2009

Get more privileges at participating travel agents
- Instant redemption of free gift with minimum spend :
• Foldable Shopping Bag with S$800 spend
• 26-inch Trolley Bag with S$1,800 spend
• 32-inch Trolley Bag with S$4,000 spend

To redeem for the bag, simply call 1800-REWARDS (739 2737) from 27 February to 1 March 2009. The trolley bags are available on while stocks last. Promotion is valid for all travel purchases (excluding purchases at participating travel agents) between 27 Feburary to 1 March 2009. For more info: NATAS TRAVEL HSBC

Travel for free or save more with your HSBC Rewards points!
Offset your travel transactions by S$50 with every 11,200 points.
• S$50 NATAS$ Card ( Redemption code: 2623)
• S$50 Cash Credit ( Redemption code: 2620)

To redeem, simply SMS to 9184 2000 in the following format:
REWARD 4-digit redemption code 16-digit HSBC credit card number Quantity required NATAS TRAVEL 2009

To redeem the S$50 NATAS$ Card, please present your return SMS, together with your HSBC credit card, at the NATAS$ booth in NATAS Travel to collect the card. NATAS$ Card is only redeemable by HSBC MasterCard credit card. Redemption is available from 27 February to 1 March 2009. Other terms and conditions of the HSBC Rewards Programme apply. Balance payment must be made with a HSBC MasterCard credit card.

| 0 comments ]

Qala presents to you Latest Flexible Co-location Services @ $1200/mth with new 16 Port remote Self Power Reboot Tool & KVM-over-IP-Service (16 Ports). Actually I don't know what are these.

Flexible Co-location to suit your every Co-location Needs! Call 6796 0380 To Sign up. Promotion is limited to first 50 Racks only!

| 0 comments ]

Really amazing, you can apply for loan online and get it done within 1 hour!

HSBC's Personal Loan
* Get approval within one hour
* Interest rate as low as 0.625% per month
* Longest loan tenor of seven years
* Low processing fee
* No early repayment penalty

HSBC's Personal Line of Credit
# Get approval within one hour
# Get up to S$100,000 cash at your disposal
# Enjoy 50% interest savings for the first three months
# No processing fee
# Low monthly minimum payment
# Fee waiver for the first year
# Convenience of transferring funds or paying your bills with online@hsbc.

| 0 comments ]

From 14 Feb – 1 Mar 2009, STB will run a "2009 Reasons to enjoy Singapore" campaign in which they are offering FREE admission to the first 2009 visitors per weekend (Saturday & Sunday) at selected Singapore attractions. JBP is one of the 5 attractions participating in this island-wide promotion. To enjoy this offer, visitors just need to flash an SMS at the Ticketing Counter and write down their name & IC. Each SMS admits up to 4 pax. The SMS can be obtained via mobile phone from STB. The press ad is attached for your reference.

Do send this ad to your friends and family and remind them to come early to redeem the offer as it is restricted to the first 2009 customers per weekend, not per day. FYI, depending on response, the free tickets might be all snapped up on Saturday.

Please check out the STB 2009 Reasons website for more information http://www.visitsingapore.com/publish/stbportal/en/home/about_singapore/2009reasons.html

| 0 comments ]

The much anticipated launch for the new Nokia 5800 XpressMusic and Comes with Music service is finally here. Join us at the Nokia Music Lounge at Zouk carpark, on 27th February 2009, for a night of fun and music. Come dressed in stripes and qualify for a chance to purchase the newly- launched Nokia 5800 Comes with Music touchscreen device at an insane price of 58 cents!

Zouk's resident DJ, Brandon P. will be on hand to spin the tunes to start you on that music high. Followed by live performances from a beatboxer and chart-blazing rock band, The All-American Rejects from the USA. After that, dance the night away in Zouk with Deadmau5. So come in your stripey best and earn your right to have an awesome time!

Get into the mood of the party and wear anything with stripes. Zebra-print tops, rainbow-striped socks or funky golf pants, you name it. As long as you're got stripes, you will receive a serialised Comes with Music wrist tag which automatically entitles you to the following:

1) 1st Draw: Chance to be one of 58 lucky people to purchase the new Nokia 5800 Comes with Music at 58 cents on the spot.

2) 2nd Draw: Chance to be one of 58 individuals to receive a voucher to purchase the new Nokia 5800 Comes with Music at $258 off.

3) Free Nokia Bluetooth headset with purchase of selected devices when you produce the wrist tag at Nokia store in Suntec City. While stocks last.

4) Free entry into Zouk* on the same night before 12am for the first 400 people with wrist tags.

5) Priority queue into Zouk* before 12am on the same night.

| 0 comments ]

Frankly speaking, how many man magazine now? FHM, Arena, and .....

It appears to me there are as many as girls' magazines.

| 0 comments ]

Enjoy a 1-month instalment waiver for all timepieces from Cerruti 1881, Coach, Esprit, French Connection, Hugo Boss, Juicy Couture, Puma and Tommy Hilfiger at participating stores when you pay with your Citibank credit card.

If you choose to pay the full amount, the direct 1-month waiver value will be deducted from the original price.

Terms & Conditions:

• Offers are valid till 28 February 2009 at participating outlets.
• Offers are valid for all participating brands and all models.
• Payment must be made with a Citibank credit card. Minimum purchase of $300 is required. Multiple watch purchases are allowed.
• Instalment plan payment is based on 12 months instalment plan.

| 0 comments ]

Day 1
Wow, I’m in Beijing! A 30 minute bullet train connection from Tianjin’s Train Station and here I am.

I joined a group of tourists on a tour to the Great Wall of China and boy, was I blown away! The mammoth size of the structure and the view from the great wall was truly humbling.

Day 2
I can’t believe I stood before THE Forbidden City. Not only is it one of the most popular landmarks in China but it was also the home of China’s many emperors. It has over 980 surviving buildings and 8,707 bay rooms! Boy, they sure know how to build their palaces.

Across the street from the palace was the Tian’an Men Square and definitely much bigger than when I saw it on tv. There were many other buildings around the square like Mao’s Mausoleum, the Great Hall of People and the National Art Museum of China.

When evening came, my stomach gave a big growl and I knew it was time to get some duck! I took a taxi to the Quan Ju De Restaurant and had myself a feast of crispy, juicy baked duck. Covered in a delicious sweet dip - it was marvelous!

Day 3
Room service buzzed me early to inform me that there was going to be a lion dance in the lobby. A custom of the Chinese to usher in the the new year - I was impressed by the troupe’s acrobatic skills.

I then took a cab to the Olympic Gardens to stand by the great architectural feat - the National Stadium (Bird's Nest) and also walk along the breathtaking topiary garden and sculptures which was filled with garden fountains.

Day 4
Managed to get souvenirs for everyone! I got lots of bargains at the Hongqjao Market and bought pearls and semi-precious stones for my mom and sister. Then, I went to the Xidan Commercial Street and got my dad a porcelain ash-tray. I also visited the Liulichang street for calligraphy brushes and found a complete set.

The evening came and I hopped on a trishaw for an evening ride through the hutongs to admire the alleyways and lifestyle of the local people. The cool night breeze and the beautifully lit up night scene is something I’ll remember for a long, long time. I love Beijing!

Book from 12 - 22 Feb 2009 Travel from 02 Apr 2009 - 31 Jan 2010

| 0 comments ]

Find out how the lastest budget measures affect you and your business. Gain first-hand insights from KPMG, Minstery of Finance and established entrepreneurs. Click here to register by 20 Feb (Friday).

Date: 25 Feb 2009, 3pm to 5:30pm. Fee: $20. At SGX Centre 1.

| 0 comments ]

Guests with "Just Attica" mobile phone wallpaper get to enjoy complimentary entry to Attica Too before 12am this Saturday. To download your very own "Just Attica" wallpaper, join our Attica V.I.P (Singapore) fanpage in Facebook.

Every Fri. Enjoy Complimentary Entry before 11pm.

| 0 comments ]

0.138% Commission*
No Rollover Charges*
Intraday Buy/Sell Amalgamation
7 Calendar Days Free Financing**

* For component stocks listed in Fig 1.1 only. Promotion valid from 2 January - 31 March '09. Minimum commission of S$25 / US$18 / HK$150 applies.

** Applicable to all Singapore counters and valid till 31 March 09 only.

Click here for more information

| 0 comments ]

$10-a-day Buffet!

From 2009 February 9th (Monday) till 2009 February 27th (Friday):

* Pay a flat brokerage of only $10 a day and trade as many STI CFD contracts as you want.
* Additionally, enjoy 7 days free financing and waiver of rollover fees for your STI CFD trades until 31 March 2009

As the first brokerage firm to introduce Contracts for Difference (CFD) in Singapore, Phillip Securities is once again proud to offer Singapore's benchmark index, the Straits Times Index (STI), for CFD trading.

The Straits Times Index CFD (STI CFD) is a unique index CFD that tracks the movement of the STI. With the STI CFD, you could

* Take a bullish or bearish view by going long or short respectively;
* Trade a basket of stocks - the STI CFD can be a cost-effective way to diversify your portfolio;
* Make your money work harder for you with 20 times leverage

Click Here for more information and promotional update

Guess the STI SMS Weekly Contest

Guess the closing of STI every Friday (February ,13th, 20th & 27th) & stand to win S$50 grocery vouchers for each of the top 3 correct entries, based on time priority the contest entry was submitted to CFD.

Where there are no correct entries, the 3 winners will be determined by the guesses nearest to the STI closing on Fridays at 5.06 pm. Answers are to the nearest 2 decimal place.

Send SMS in the following format:

SMS CFD Answer Name NRIC/Passport no. to 8151 1815
(Eg: CFD, 1707.42, david lee, S1234567A)

Click Here for more information and promotional updates

| 0 comments ]

Someone, lets call him D here, email a full article one "Dissatisfactory Service from Agent" to SPH and Stomp and cc to me. So maybe I should share it here, so that everyone can take a look and learn a lesson from his story. But until the case is solved, I won't disclose the name of the agent. It is quite a long story.....


Transaction Address:
Selling @ Block 4xx Bukit Panjang Ring Road #0x-xxx Singapore 6704xx
Buying @ Blk 6xxB Punggol Drive #1x-3xx Singapore 8226xx

Agent: L (9xxxxxK)
Agency: E Pte Ltd

Complaint: D

1st OTP: Not exercised but extended to 2nd OTP
2nd OTP: Not exercised
3rd OTP: Signed but conflict of interest


Date & Summary of Events


13 June 2008

Signed exclusive to sell with L but was not given the carbon copy of the agreement.


10 June 2008

1st buyer signed the OTP, L did not give us the carbon copy of the OTP and comission letter.


22 June 2008

1st Buyer did not exercise the option and yet requested to extend further 14 days.

Advise L not to extend as it is a not right. 1st Buyers pleaded us to extend and amend the 1st OTP to further date. Advise L that rightfully, the deposit should be forfeited and if they are still interested to purchase, the buyer should re-sign a fresh new OTP.

L insisted to amend first and third page of 1st OTP and L assure us that the 1st buyer will exercise the 1st OTP.


26 June 2008

1st Buyer did not exercise the extended OTP and yet want to extend further. But we did not agree to it.

2nd Buyer Signed OTP, L did not give us the carbon copy of the OTP and commission letter.


8 July 2008

2nd Buyer exercised the OTP and we did not receive any documents. We gave F (L collegue) S$80.00 for HDB’s Appointment but did not receive any receipt. Requested F to inform L to hand us all the original signed documents as soon as possible.


21 July 2008

Sent Mr L a sms requesting for our copy of Option to Purchase


4 September 2008

Sent E a letter requesting for all original documents signed by us and receipts.


3 October 2008

HDB 1st appointment – L was late for appointment and we were attended by the seller’s agent (“M”). L was attending to our buyer interest and not accompanying us throughout the transaction. There was a conflict on the completion date, L did not rinitiate a solution but pushed it off to us to negotiate with both the seller and buyer and he just walked away. We had managed to convince both the seller and buyer to a compromised date. We are wondering if we are the agent or he is.


4 November 2008

Issued a lawyer letter to E requesting for all original documents signed by us and receipts.


6 November 2008

E resposed to our lawyer’s letter dated 4th November 2008.


8 November 2008

Received a carbon copy of E’s response dated 6 November 2008 to our lawyer but lawyer received on 10 November 2008.


10 November 2008

HDB completion – L still refused to let us have the original documents.

15.45hrs

1. Agent asked us to a side to discuss about the commission matter and enquire if we could settle this amongst ourselves.

2. We replied to him that we have leave this with our lawyer to settle.

3. He showed us samples of the company issuing letter of demand to their clients proofing to us that all of them are successful for collection.

4. We replied to him that we had been requesting from him all the documents and agreements since signing of exclusive agreement. And also told him that up-to-date, we had to take necessary legal action to retrieve our documents and agreements.

5. Agent replied that they will proceed with letter of demand to recover all monies due to them if we are not settling today.


16.35hrs

1. Agent followed up with the commission matters and told us to settle with him and see how we can work out on the commission.

2. Agent told us to offer to him the amount of the commission we want to pay.

3. Agent also countered-offer to waive off the $500 for the aborted transaction on the 1st OTP.

4. As a gesture of goodwill, although he did not render proper services, we countered-offer to pay him only 1% for selling, 0.5% for purchase and to waived off the $500.

5. Agent rejected the offer and demanded us to pay the 2% for selling , 0.5% for purchase and will waive off the $500. If not, he will take necessary action (i.e to issue letter of demand or writ of seizure) to recover back the full amount due.

6. We told him to go ahead and proceed as we had not received all the documents and agreements.

7. Agent replied that if we need to have the documents and agreements, he can get the company to send to us. We replied that since he said he can provide us the documents tomorrow, then in the 1st place why didn’t he provide us the documents when we requested for it for umpteen times.

8. In addition, he gave a sacarstic remarks that should we not settle the commission, everything will not go well for us. It is unlucky for us to drag the matter to next year.

9. Lastly, he added that at the end of the day, his company’s success rate of recovering back the monies is high as their role is only to render service.

10. He walked off with a glance.


23 November 2008

Seller handed over the house to us and we were not attended by L. No arrangement was made prior to the handing over. The inspection was done by ourselves without any witnesses.

- Noticed the followings:
a) ceiling in the Master Bedroom ("MBR") Toilet with cracks, moulds and spalling;
b) MBR has water-spot near the toilet entrance and cracks on the ceiling;
c) Walkway ceiling near the Bedroom 1 have cracks, water-spot and spalling;
d) Cracks on the wall in Bedroom 1.
e) Shortage of one key in the MBR cabinet; and
f) Kitchen cabinet short of 2 dividers rack.

- Replies from the Seller to the above as follows:
a,b,c,d) The cracks and spalling was due to the poor humidity in the toilet and earthquake.
At that point of time, we asked the seller how to settle the issue, they said that we just need to re-paint the ceiling and clean the mould weekly will solve the issue. However, we told the seller that it's not just crack, can see the ceiling is spalling and there is signs of water-spot. We told the seller that, since they said that it's just hairline crack, then we will arrange for the HDB to assess it, then decide how to settle who's responsibility to bear the repair as they indicate that HDB has inspected and approved the flat for sale and HDB should bear the repair work and NOT them.

e) Seller can't remember where they placed the key.

f) Seller informed us via sms that "That one no longer exists"

2. Completion date was on 10 Nov 2008 and seller requested to extend stay to 28 Nov 2008 but the extension letter was not signed due to the seller typo error. We have been informed by the seller when signing the OTP that if they have to move out later than the completion date, the seller will compensate us with the market prevailing rental rate.

3. During the 1st appt, Seller agreed to let us do the final inspection ONLY when they vacate the house. We reminded the Seller again on the completion day that the final inspection will be done when they vacate the house and they agreed.

4. Now they turned the tables and said that we should have done all inspection before the completion date.

5. Seller did not compensate us for the conservancy charges from 1st Nov till 23 Nov. Their agent told us not to talk about it.


24 November 2008

Our lawyer letter dated 24th November 2008 was sent to E in response to their letter of 4th November 2008.


13 December 2008

We handed over our keys to the Buyer.

We received a call from L’s office, that L need to come down to inspect the house at 1600hrs.

When we asked who will they be representing, L’s office answered the BUYERS and said that L will be the buyers' witness. This annoyed us coz why when we took over our keys to our Punggol flat, there wasn't any inspection done by L?

| 0 comments ]

A grand prize of S$200,000 can be yours when you take part in the OCBC Happy Savings Draw! Other cash prizes of S$20,000, S$5,000 and S$1,000 are also waiting to be won.

Here are the cash prizes you stand to win:

4 X Happy Winners in Monthly Draw Win S$5,000
1 X Happy Winner in Mid Draw Win S$20,000
20 X Happy Winners in Grand Draw Win S$1,000
1 X Happy Winner in Grand Draw Win S$200,000

Any new eligible Singapore Dollar OCBC Savings or Current Account opened: 10 chances. Click here to open a new account

Existing eligible Singapore Dollar OCBC Savings or Current Accounts: 10 chances.

Every S$1,000 monthly average balance in an eligible OCBC Savings or Current Account : 1 Chance.

| 0 comments ]

The dress code must be gold or disco, and free flow from 10pm.

Interested parties kindly RSVP at marketing@barlenoir.com before 12pm onThursday, 19th February. Please come early to avoid full house disappointment.

| 0 comments ]

B-Yond has collaborated with Supperclub to present Ladyluxe - a thrilling, gourmet, high fashion and mind-blowing music affair celebrating all the things we love about women! This brand new ladies night happens every Wednesday at Supperclub and the 1st 100 women who RSVP on... Ladyluxe's facebook group AND make a reservation by calling 6334-4080 will dine for free!

| 0 comments ]

Will we see a bull-run in the Year of the Ox? Or will this be a bearish year?

Join the Market Outlook seminar on 21 February 2009 to hear what panel of analysts has to share on the market outlook for the coming months.

To register for the seminar, you may purchase the tickets from any of our Phillip Investor Centres (except Ang Mo Kio branch and Grand Building branch) or log on to your POEMS account and redeem via POEMS Reward Programme.

Venue: IRAS Auditorium, Revenue House Level 5
55 Newton Road , Singapore 307987
(across the road from Novena Square, underpass from Novena MRT station)

Fees: S$18 or 750 Reward Points per ticket

For more information, please click here.

| 0 comments ]

Below are the privileges Golden Village Movie Club member:

Win a trip to Japan on JAL when you watch K-20: Legend of the Mask!
Exclusive to GV Movie Club members! Catch K-20 & you stand a chance to win a pair of air tickets to Tokyo or Osaka!

MARLEY & ME *Super Sneaks*
Wednesday 18, February 7pm GV Plaza
Only members get to watch it first! Members need to present their membership card or login before purchase.

Predict the OSCAR® Winners & Win!
Tell us who you think will be the winner in each of this year's categories and you stand a chance to win a spa voucher for 2 worth $360 from The Ultimate!

Win tickets to SUSPECT X Preview Screening
Email your particulars & win FREE Preview Screening tickets to Suspect X at GV Plaza on Wed 18 Feb at 7.10pm!

Win tickets to PANDA DIARIES Preview Screening
Email your particulars & win FREE Preview Screening tickets to Panda Diaries at GV Plaza on Fri 20 Feb at 7.15pm!!

Kono Pizza opens 2nd outlet at GV Plaza!
To celebrate Kono Pizza's opening at GV Plaza, we are giving members this irresistible offer! Buy 1 Kono Pizza and get a 16oz soft drink FREE!

Have you redeemed your Birthday Treat?
Members with Birthdays in February can login to download and print their Birthday eVoucher of Buy 1 Get 1 Free Standard Movie Ticket. Members must utilize their eVoucher by 28 February.

| 0 comments ]

For a limited time only, save an extra 20% on select boots for women and men. Sizes and styles are limited. Enjoy risk-free shopping with Free Shipping and Free Return Shipping.

So pretty and so many discount. But too bad, weather in Singapore is too hot.

| 0 comments ]

I think if we go apply, should be ok too. IT gives:

Free IDD calls to 20 popular destinations at $5.35 per month
Free IDD calls to Indonesia and Philippines at $5.35 per month
Free 20 Global SMS per month
Free registration and SIM card worth $42.80
Free $50 Takashyimay shopping vounchers

Sign a new 2-year contract to enjoy the exclusive benefits on IDD and Global SMS. Or keep the exisiting line, choose 1-year SIMple mobile plan and get the same value at up to 40% off monthly subscription.

Present the above printout to any SingTel retail shop to enjoy the offer. Offer valid until 31 March 2009.

| 0 comments ]

To celebrate adidas originals 60 Years of Soles and Stripes, Citi Clear Platinum cardmembers get an additional 10% off all instore promotions.

And that's not all! There are some cool premiums up for grabs. Simply make a minimum purchase and stand to receive an exclusive adidas premium or a House Party pack, containing a pair of House Party invites, a limited edition T-shirt and woven bag!

Every spend also entitles you to 5X rewards on your Citi Clear Platinum card. So, let's get this party started today!
Terms and Conditions:

- Only valid at adidas originals Raffles City, 252 North Bridge Road, #01-44 and adidas Originals Pacific Plaza, 9 Scotts Road, #01-09
- Only valid with payment by Citi Clear Platinum card
- Only valid for regular priced items
- Only valid from 15 January to 26 February 2009
- Not valid for timepieces or eyewear

| 0 comments ]

THE WEDDING GAME Celebration Set
Friday, 13 Feb 8:45pm
Gold Class, GV VivoCity
Celebrate your love with Singapore's Golden Couple at Gold Class.
Get to meet Fann

Paradise of Love at Gold Class
Special Valentine's packages available on 13 & 14 Feb. Book now.

Paradise of Love at Gold Class Online Draw
Book online & stand to win a Banyan Tree Bintan Signature Experience worth $1500.


Valentine Movie Marathon
GV Marina (Friday, 13 Feb)
GV Grand (Saturday, 14 Feb)
7pm $28
Watch 2 new movies - New In Town & Slumdog Millionaire together this Valentine's Day! Includes free flow of popcorn & drinks.
GV Movie Club members enjoy $1 off!

Romance @ GV
Make it a Date at GV and stand to win a romantic get away at Amara Sanctuary Resort Singapore!
Buy a pair of movie tickets online at http://www.gv.com.sg/ from 12 to 14 Feb 09 to qualify.

LOVE MATTERS Combo
Valentine's Day Special - 14 Feb 09
Get 2 Love Matters tickets plus a Popcorn Combo at just $26! GV Movie Club members enjoy this offer at $25 only!

| 0 comments ]

AirAsia’s FREE SEAT is back again! With 500,000 seats up for grabs, fly to Bangkok, Jakarta, Kota Kinabalu, Hong Kong, Macau, Shenzhen, Perth, Melbourne, Hanoi & so much more with absolutely NO Fuel Surcharge! It's too hot to resist. Book now.
They even have RM 9 to Bali, RM 99 to Bangladesh, RM 199 to Tianjing, and RM 499 to London! So cheap!

Book from 10 - 15 Feb 2009 Travel from 12 Oct 2009 - 31 Jan 2010. There are also package with hotel booking. For more info, refer to:
http://www.airasia.com/nl/nl090210-en.htm



Search for a bargain, discounts, or events .....