DBS/POSB, UOB or OCBC?

Change for a better is what we are looking for through out our life. When I was a kid, my mum brought me to open a bank account with the squirrel(POSB). You still remember that squirrel, don't you? At those times, POSB was a bank of Singaporean.

However, as times goes by more Singapore bank were born. They are OCBC and UOB, everyone of them are about the same but not for the ATM. There are times when I need to withdraw cash from the ATM of DBS/POSB. I just don't like the queue. Especially, at shopping mall. Therefore, would consider OCBC/UOB. Interesting, I discovered the following:

Let's look at

DBS Saving Plus - First 3K, 0.25% p.a if your daily balance is less than $500, you need to pay $2 minimum initial deposit S$ 500.

POSB My Saving - Monthly saving of $50-$290, 0.45% p.a For this acc. You need to save monthly to get that interest rate.

UOB Saving - First $15K 0.35% p.a if your daily balance is less than $500, you need to pay $2. minimum initial deposit is S$ 20.

OCBC Fairprice plus - 1% p.a minimum initial deposit $0 No daily balance required.

As you can see, OCBC Fairprice plus is the best as compared with other 3 accounts. Another benefit of OCBC is its ATM. It integrates cash withdrawal and cash deposit in one machine. In addition, as in comparison to DBS, user of OCBC ATM is lesser. That mean's chances for us to stone in the queue are lesser. fairprice plus account comes with a debit or credit card, you can earn linkpoints from all NTUC Fairprice outlets and other 600 merchants that issues linkpoint.

Even when you buy/ sell stocks (shares) the Broker house issue you issue you points as well. (Lim n Tan)With all these benefits from OCBC Fairprice Plus, I will definitely open an account with them.

Games - Play Bejeweled Here

Most of you should know how to play this game right? Enjoy...
Do recommend me to feature other games on my blog ya. >____<

Investment risk rating

As we graduate, we step into the world of work. After years at work, some of us have accumulated a huge amount of saving. The question is where should we place our saving for better return. Friends who are insurance agent may recommend some investment plan like Investment Link Policy (ILP). However, are these recommendations really suitable for you? Are there any conflict of interests? I guess it is best for us to be aware of what are those investments available at the market and what is the risk rating. I got the below picture from the Internet. Do have a look...

Note: Low risk = low return. High risk = possible high return

Don't get scammed by those so called "Home based online business opportunity"!

When I happened to read some ads on the newpaper. I realised there are a number of ads with a title of "Home based online business opportunity". Out of curiosity, I entered the URL stated on the ad. What I found was just a website that sells a "Money Printing Machine" (An online business system)! Wow... It stated after you have bought that system, you can earn $400 a day. Its too good to be true, I told myself. Slap me to wake me from my dream, will you...

A few days later, I saw an ad with that Automated ATM again. I thought I will see a different site with other concepts. Guess what , The content is the same as the first site I visited days ago. Its just that it has a different URL.

My conclusion is, All these online business systems really makes someone extremely rich and that someone is none other than the person who brings the concept of Cash Printing Machine to people all over the world.

They are smart though. On the front of their website, they claim that you can earn hundreds or even thousands. After purchasing their system in days. However, they display an extremely small font link to their disclaimer page. The content usually is "

Every effort has been made to accurately represent this product and its potential. Even though this industry is one of the few where one can write their own check in terms of earnings, there is no guarantee that you will earn any money using the techniques and ideas in these materials.

Sounds contradicting isn't it?

Before you place your hope for your dream bungalow and sports car on an online business opportunity that promise everything under the sun... Think again.

Scan every gadget you buy before using it

Source: Digital life

"Be wary when you buy anything from thumb drive to music player. They may come pre-installed with viruses designed to steal information such as passwords and trade documents, which could lead to the thief prying confidential data or, worse, clearing out your bank account.

Such surreptitious programs, called mal ware, are not new. Nevertheless, they are now appearing in everyday gadgets, said experts."

Hmmm... As the technology is advancing at a high speed. It makes sense for everybody who lives in this digital age to be aware of personal security over the Internet. In fact, almost everybody does fund transfer over the internet instead of using the ATM. Which appears to be an old school method. With the convenience at hand, we need to be sensitive and stay to keep updated with current news for a virus.

An anti virus software is a must to ensure you are safe from possible virus attack by those programmers who likes to play prank. Do not be surprise to get alert by the anti-viruse software after you did a scan on your newly purchased external hard or thumb drive. Recurrently, there isn't any law that points responsibility to the manufacturer for any virus/mal ware found on their devise.

Therefore, if you don't want to see your private picture or document circulating the net. Scan your devise before you use, just like you would scan your computer..

Free Sudoku Online Game ( " , )

For those who don't know this game.

Fill a number in to every cell in the grid, using the numbers 1 to 9. The restriction is that you can only use each number once in each row, each column, and in each of the 3x3 boxes.

Powered by SudokuKingdom.com

What happen to people nowadays? MRT Jump

Why people like to commit suicide by jump into the MRT track. What are these people thinking? If there want to die, they could have to choose a better way, rather than getting themselves smack . It is a terrible death scene. Young kids on the platform will probably have an unpleasant subconscious that bother them. Before they jump, did they ever thought of this? I doubt so..

For one person die on the train track, 7,300 commuters got affected. People got scolded by unreasonable boss for being late. Why can't those people be considerate and die at a place that will not affect a pool of people?

Are they trying to attract public attention on a public transport service?