Marina Sands Opening 2010

Good news for those awaiting the opening of our IR, extract from The Business Time report today

Las Vegas Sands Corp expects to open its US$5.5 billion, 2,700-room Singapore integrated resort in phases starting in the first quarter of next year, a company spokesman said on Thursday.

The first phase of the project will also include the casino, some of the retail operations and some of the meeting and convention space. He declined to give a specific date for the opening - which will include 800 to 1,000 hotel rooms - but a source close to the company said it would be 'toward the end of March'.

The first phase of the project will also include the casino, some of the retail operations and some of the meeting and convention space, said spokesman Ron Reese.

Sands said in July that it was making every effort to open the triple-tower property, called Marina Bay Sands, by Feb 15, 2010.

The company is now in the process of raising segments of the resort's 'sky park' - a 1,200-foot-long (360-metre) span running across the top of the three 55-story hotel towers.

Half of the 14 segments are in place.

About 60 days after the opening of the project's first phase, Sands aims to open the remainder of the hotel rooms, additional retail space and the sky park, Mr Reese said.

By the end of 2010, the company expects the rest of the attractions, including the theatres and museum, to open.

Credit Card Q&A

Came across a good financial article from Assocation of Banks Singapore.

Below are the extract from ABS about credit cards and you...

What you should know… about Credit Cards

1. What is a credit card?

A credit card is a form of borrowing. It allows you to buy goods
and services without using cash, that is, on credit. A credit
card therefore is a convenient payment instrument and not
intended to be a long-term credit facility.

2. When can you use it?

You can use your card locally and overseas in establishments
that display the brand of your credit card and also use your
card to make purchases online.

3. Understanding the monthly statement

The card issuer will send you a monthly statement detailing
all the purchases you have made with the card during the
month. It is important to check your monthly statement carefully
and inform the card issuer promptly if there are any
discrepancies or if any clarification is required. Do also take
note of the following in your monthly statement:

a. Statement Date
This is the date the statement was issued. All
transactions recorded between this statement date and
the last statement date will appear on this statement.

b. Payment Due Date
This is the date by which you should pay your credit
card bill without incurring a late payment charge. You
have the option to pay the bill in full, or make a partial
payment subject to a minimum sum.

c. Amount Due
The amount due denotes the outstanding balance you
charged to your credit card. Hence, it is advisable
to settle your credit card bills in full and promptly
if you want to enjoy the use of interest free credit
for your purchases.

d. Minimum Sum

A credit card holder can pay a minimum sum, which is
usually three to five percent of the outstanding balance
or $50, whichever is higher.

If you cannot pay the bill in full, you should at least pay
the minimum sum by the payment due date and rollover
the balance.

e. Late Payment Charge
If full or partial payment is not made by the payment
due date, a late payment charge would be levied by
the card issuer.

f. Interest Charge
Interest will then be calculated based on your daily
outstanding balances at the rate of 0.066% per day
(assuming an interest rate of 24% per annum) calculated
from the date each transaction was effected or the
statement date (depending on the practices of card
issuer). New purchases made after the statement date
will also attract interest immediately.

For cash advances, interest will be charged from the
date the withdrawal takes place.

g. Transactions in foreign currency
Transactions overseas charged in a foreign currency
will be converted to Singapore dollars in your statement.
The foreign exchange rates used to convert these
transactions into local currency may vary day-to-day
and from bank-to-bank.

4. Understanding the Terms & Conditions
You should read and understand the Terms and Conditions
for the use of the credit card before signing the card agreement
and using the credit card, as it is a binding document between
you and the card issuer.

5. Understanding the fees and charges applicable to credit cards

a. Annual fee
This is a membership fee which you have to pay for the
use of the credit card.

b. Cash advance fee
This is a fee charged for every cash advance obtained
by using the credit card which is calculated from the
day of the advance.

c. Late payment charge
This is a fee imposed should you fail to pay at least the
minimum sum by the payment due date.

d. Finance charges (interest charges)
Please refer to para 3(f). You are advised to ask your
card issuer to explain how interest is computed, as this
amount may turn out to be a large sum if you roll over
your balances over an extended period of time.

6. Use your card wisely : Tips

a. Use credit cards only when you can afford to pay off
your monthly bill. Do not lose track of how much you
have spent.

b. Limit the number of cards based on your needs and
repayment ability.

c. Pay your bills promptly to avoid paying late fees as well
as to maintain a good credit record.

d. If you pay only the minimum sum monthly, you will be
paying interest on your rollover balance. This interest
will be compounded if you continue to roll over your
outstanding balance month after month. So try to pay
off the outstanding balance as fast as possible.

e. Avoid spending up to your credit limit as you will not be
able to use the credit for emergencies.

7. What if I have problems paying my outstanding
credit card bills?
Non-repayment(s) or overdue repayment(s) of credit card bills
will be reflected in your credit report and could adversely affect
you when you apply for a new loan.

A credit report contains records of an individual’s credit payment
history (including bankruptcy record) and is issued by Credit
Bureau (Singapore) Pte Ltd to members of the credit bureau
when they make enquires about an individual applying for
credit. A report that shows defaults or late payments – even
30 days late – might lower your chances of getting a loan or
require you to pay a higher interest rate for a loan.

You can take the following steps if you have problems managing
your debt:

• Contact your creditors immediately and request to work
out a payment plan that can help reduce your payments
to manageable levels
• Pay off high interest rates debts first
• Transfer debts with high interest rates to cheaper
alternatives
• Reduce credit card expenses and cash advances
Do note that if you have debts of $10,000 or more and are
unable to repay, you can be made a bankrupt.

8. Guarding against fraud : Do’s and Dont’s
It is not always possible to prevent credit card frauds from
happening. However, there are steps you can take to prevent
someone else from using your credit card or your card
information, at your expense.

a. Do:
i. Sign your cards with permanent ink as soon as they arrive.

ii. Keep a record of your card numbers, their expiration
dates, and the phone number and address of the
card issuers in a secure place.

iii. Keep an eye on your card during the transaction,
and get it back as quickly as possible.

iv. Read all details on the sales slip before signing
or confirming the transaction.

v. Draw a line across any blank space for entering
money amounts when you sign a sales slip.

vi. Cancel incorrect sales slips and tear up cancelled
slips and carbon copies.

vii. Save sales slips to compare with billing statements.

viii. Check your billing statements promptly when they
arrive, especially after each overseas trip. If you
notice any discrepancies, call the card issuer
immediately.

ix. Mail cheques with your card number on them in
opaque envelopes.

x. Tear up pre-approved credit offers before throwing
them away.

xi. Inform the card issuers immediately when you
change your address. If possible, inform them in
advance.

xii. Keep your cards in the same place after use. This
way, you will notice immediately if they are lost or
stolen.

xiii. Patronise only reputable and legitimate online
stores. Check with your credit card companies on
whether the online merchant complies with Payment
Card Industry Data Security Standard. You can
also install firewall, anti-virus and anti-spyware in
your computer and update them regularly to
minimise chances of malicious codes, worms or
viruses being loaded into your computer.

b. Don’t:
i. Sign a blank sales slip.

ii. Give your credit card details (that is, card number
and expiry date) to an unknown party as the
information can be used to make unauthorised
purchases via the telephone or internet. You should
not disclose your password or PIN to anyone.

iii. Lend your credit card to anyone.

iv. Leave your credit cards or sales slips lying around.

v. Write your card information on a postcard or the
outside of an envelope.

vi. Keep card-related information, such as your
password or PIN, in the same place as your credit
card.

vii. Perform online transactions in public places such
as cybercafés.

9. Loss of card : What to do
a. If you discover your credit card is not in your possession
or is lost, inform the card issuer immediately.
b. If you discover your credit card is stolen, inform the card
issuer and make a police report immediately.
c. Once you report the loss, you have no further
responsibility for unauthorised charges. However, you
are liable for any unauthorised charges made before
you report the loss of your card.

10. Questions to ask before you sign up for a credit
card

a. Ask yourself:
i. Why am I applying for this card?

ii. Can I pay for the purchases in full each month?
Or do I intend to pay the minimum sum required
and rollover the balance?

iii. If I rollover my balance, do I have the capacity
to pay the accompanying charges?

iv. Do I understand the terms and conditions for
the use of the card e.g. the fees and charges,
interest rates and penalties?

v. What action can the bank take if I fail to settle
my overdue payments?

b. Ask the card issuer:
i. If there is free membership now, how much will
I have to pay after the promotion period is over?

ii. What is the minimum sum each month?

iii. If I rollover, how much interest is charged on
the outstanding balance?

iv. If I do not pay the minimum sum for one month,
what are the interest and other charges that I
will have to pay?

v. What charges will I incur if my payment, either
by cheque or GIRO, is returned for whatever
reasons?

vi. What are the charges for taking cash advances
in Singapore and abroad?

vii. If I lose my credit card, what must I do?

viii. What are my liabilities for unauthorised
purchases if I lose my card?

ix. What is my credit limit?
x. When and how will I be informed if the terms
and conditions of the contract change?

AFA09

This weekend at Suntec is the annual Anime Festival Asia which will feature many events and activities for Japanese animation, comics, cosplay lover.

Having been to Japan early of last month and see many creative, cute and nnovating things in Tokyo, I began to love Japan even more and hope to recapture the Japanese atmosphere while visiting AFA09 event this weekend...

To find out more, do visit their official site

AFA Official Website

APEC

This week is a exciting week for Singapore as world leaders and business leaders from all over the World are here in town for APEC CEO Summit 2009 meeting held at Suntec.

There are alots of on-going meeting and conferences for top leaders to discuss about the recovery of global economy and how to enhances and improve trades and business all over the globe

Singapore Hedge Funds Review

It is reported in this week The Edge that Hedge Funds in Singapore is seeing increasing activities and is home to 138 hedge fund managers according to a recent survey by Alternative Investment Management Association (AIMA)

Here are some interesting finding...

- Average assets under management of single hedge fund is est US$301m. in aggregate at least US$34.9b

- No of professional employed by the 111 respondent single hedge fund is 823

- Equity Long / Short account 47% of fund

- Geographical source of investors for single strategy fund
15% America, 54% Asia, 25% Europe, 1% Middle East, 6% others

- Source of capital by investor
17% funds of funds, 38% high nett worth, 37% institution, 5% propriety and 3% other

- 12 hedge funds run from Singapore advising about US$10b in asset from city state

- All Singapore based hedge fund managers outsourcing their fund administration.

RoomsDB Room Rental Service

Another easy ways to earn extra CASH today...

We are pleased to introduce RoomsDB online room rental service for homeowners who have extra rooms to lease out whether it is for short term or long term

To find out more, kindly click on below

Check out the roomsDB.net Short Term Section!

Singapore Top 10 Wealthiest

According to a recent report from Forbes Asia which released its list of top 40 tycoons in Singapore, the total net worth of Singapore top 40 wealthies people stand at US$39 Billions.

Here are a glance on Singapore Top Ten Richest List

1) Mr Ng Teng Fong (US$8b)
2) The Khoo Family (US$5.5b)
3) Mr Kuok Khoon Hong (US$3.5b)
4) Kwee Brother (US$3.2b)
5) Mr Wee Cho Yaw (US$3.1b)
6) Mr Zhong Sheng Jian (US$2b)
7) Mr Peter Lim (US$1.5b)
8) Mr Kwek Leng Beng (US$1.2b)
9) Mr Lee Seng Wee (US$800m)
10) Mr Ong Beng Seng & Christine Ong (US$700m)

Sentosa IR Hiring 5,000 Positions

Resorts World at Sentosa will began another recruitment drive to fill up 5000 position this weekend. It has currently filled 10% of its workforce and estimate to have 7000 staffs by Oct 09 and a total of 10,000 by early of next year 2010.

The job fair will be held at RWS job fair on sat to sun (22-23 Aug) located at Employment and Employability Institue (e2i) building at 141 Redhill Road Block A #01-01 and will open from 9am to 5pm.

All interested appliciants are advised to bring their certificates, resumes and passport size photos along as interviews will be conducted on the spot.

Investfair09

Investfair09 will be held at Suntec Convention City @ Hall 402-403 this coming weekend 22-23 Aug with several interesting speakers speaking at the seminars to educate investors and traders about economy and market outlook.

Jointly organised by Shareinvestor and The Business Times, this year attendance is expected to hit 20,000 visitors

Checkout their official websitefor more information

Official Investfair 2009

Sentosa IR Jobs Recruitment

Resorts World at Sentosa is ramping up its job hiring efforts, and hopes to fill more than 8,000 job vacancies - including that of croupiers and hotel staff by the end of this year.

It already has 760 employees in its fold - of which 82 per cent are Singaporeans.

It will be carrying out a mass hiring exercise in October, and is looking at employing over 8,000 people.

Some job vacancies that need to be filled include theme park operators, and casino and F&B staff.

By December, the resort hopes to have some 10,000 employees.

It is working with the five Community Development Councils (CDCs) in its recruitment drive.

The resort said Tuesday it is on track to open on schedule next year.

Marina Sands Bay Dealers Recruitment

Marina Bay Sands is hosting an recruitment drive esp for DEALER positions at Suntec City Hall 603 to fill up over 1,000 position this weekend (1-2 Aug 09). There will be experts around to explain the requirement and job scope of an DEALER position.

An applicant for the position of a dealer should be over 21 years old, know basic mathematics and pass a colour-blind test. Experience is not needed as successful applicants will go through an intensive three-month training course at Mountbatten Square, fully paid for by the casino. Training will start in the fourth quarter of this year.

Those who complete the course will receive a Workforce Skills Qualifications Certificate in Casino Gaming.

A career in the gaming industry is a great career move and salary + perks are extremely attractive. There is also a career path from DEALER on upward also.

Asia Investment Fair 2009

Today will be the 1st day of the Asia Investment Fair 2009 which will be held at Suntec City Hall 601.

There will be over 50 seminars to educate investors about the finanical markets as well as economy and market outlook for the rest of the 2009.

Organised by SIAS and admission is FREE. Do visit their official site for more details

Asia Investment Fair 2009

Marina Bay Sands Delay Opening

SINGAPORE - THE opening of Singapore's first casino has been put back several months due to shortages of labour and materials, the chairman of developer Las Vegas Sands said on Wednesday.

Sheldon Adelson said Marina Bay Sands will open early next year for its initial phase, after being originally slotted to welcome its first visitors by the end of this year.

'The opening date we seriously anticipate will be in January or February,' Mr Adelson told journalists and guests at a ceremony marking the finishing of construction of the development's three 55-storey hotel towers.

Mr Adelson on Wednesday put the total cost of the development at $8.0 billion.

Marina Bay Sands is Singapore's first casino project to be awarded, in 2006. As well as gaming, the complex will include hotel, convention, luxury retail and performing arts facilities.

A second casino, Resorts World at Sentosa, is scheduled to open in phases also starting early 2010 and will feature the world's biggest oceanarium with 700,000 fish and a Universal Studios theme park.

Extract from AFP

Fav Football Videos Channel

Welcome to the World of Football...

Introducing Footytube where you can watch the latest goals and your fav teams and players in action. This is one of the recommended football videos channel that is very popular with online football fans

To find out more, please visit the below site for more detail

Official Football Tips System

Watch Latest Goals at Footytube

Singapore Jobs Market

Singapor current job market is currenntly quite tight and many companies had already freeze hiring and start retrenchment early to battle this sever recession.

However our Singapore Government had introduce several measures including this popular e2i one-stop service.

e2i is a one-stop shop that provides the avenues for employability assessment and coaching, skills training and job placement for workers. Their programmes are customised to cater to a broad spectrum of workers, including retrenched workers, back-to-work women, professional managers, executives and technicians (PMETs), low-wage workers and older workers.

3 Keys Function

1) Develops partnerships with training providers
2) Reaches out to jobseekers who seek new or better jobs
3) Promotes industry re-development and job-recreation

To know more about e2i events and jobs available, do visit
their official website

e2iOfficial Site

Temasek Sold All of Its Bank of America Shares

It is reported yesterday that Singapore soverign wealth fund Temasek Holding had sold all its shares in Bank of America in the 1st quarter of 2009, resulting in estimated losses of between US$2.3b to US$4.6b.

Temasek's investment n BoA start from its investment in Merrill Lynn which it held a 13.7% stakes. It is later converted into BoA shares in Jan follow the bank M&A of Merill Lynn resulting in a 3% of BoA or 188.8 million shares.

Many interesting views and opinions are share in investment & market talks forum about their massive losses and their so call "long term" investment holding. Do feel free to check them out.

The Credit Crisis I

A very detail but simplifed summary of the current world credit crisis - why and how it happen.

The Credit Crisis II

A very detail but simplifed summary of the current world credit crisis - why and how it happen.

Li Ka Shing Has Spoken !

The Sage of Hong Kong Mr Li Ka Shing has spoken - It is time to buy stocks and real estate

On Thursday, the self-made billionaire who control several top Hong Kong listed companies such as Cheung Kong and Hutchison Whampoa made a rare public appearance and speech to the investors.

The Tycoon says "If you have money in the pocket, connsider buying stocks". For property market in Hong Kong, he said "History tell us if you buy in slow market and in the medium term, you will get a good return.

He did cautious about borrowing to invest in the shaky and volatile market thought.

Resorts World at Sentosa

Recently Resorts World at Sentosa, one of Singapore two Integrated Resorts had seen overwell response for its jobs application. More than 20,000 applications received for the 800 positions advertised during a career fair held 2 weeks back.

Resorts World had had so far hired 400 people, mostly in management and corporate office and is expected to hire another 10,000 workers, the bulk whom will be hired
from this June onwards, when the IR open in 2010.

Batam Integrated Resort Soon ?

It is reported on the Jakarta Post that a second Integrated Resort will be built in the Riau Island of Batam Indonesia after Bintan. It will start construction work next month and target to complete by 2011.

The 15 hectare integrated tourism and business resorts is worth 1.5 trillions rupiah (about S$193m) and will be develop by Pt Grand Uway. It will have a water park with rides and pitched for Meeting, Incentive, Convention, Exhibiton (MICE) trade.

Marina IR on track to open late 2009

SINGAPORE - Singapore's first integrated resort (IR) is on track to open by the end of the year despite the global financial and tourism slump, project developer Las Vegas Sands said on Wednesday.

At least half of the Marina Bay Sands complex, which is located in Singapore's financial district, will be operating commercially at the end of 2009

The resort is one of two integrated projects under development in Singapore. A second one is being built on nearby Sentosa island, which has beach, golf and yachting facilities.

The Marina Bay Sands, with an investment cost of over US$5 billion, was Singapore's first IR project to be awarded, in 2006. Apart from gaming, the complex will also include hotel, convention, luxury retail and performing arts facilities.

(Extract from The Business Time Report)

Singapore Career Fair 2009

One of Singapore biggest Career Fair will be held at Suntec City Hall 6 on the 5-8 March 2009. Many jobs will be offer and at the same time there will be education booths for individual to uggrade themselves for their future.

There will also be seminar talks daily with regards to specialise careers and educational study. Please visit the below site for more detail

Singapore Careers Fair 2009

Ten Investment Ideas 2009

Came across this article from The Edge Singapore and find it very interesting to share with readers. Bargain hunters looking for the best investment deals in the markets have another alternative ideas

1) Investment-grade credits - best bets in bond asset class

2) Cheap value in inflation-linked bonds

3) Stay in defensive equity sectors, avoid finanicals and cyclicals

4) Overweight on Asia ex-japan stocks in 2H2008

5) Bet on China and Hong Kong stockes to outperform

6) Focus on recession winners eg like Capitamall Trust,
ICBC, Bank of China, Ascendas REIT, Keppel Corp,
Sembcorp Industries, Taiwan Mobile etc

7) Stick with high-dividend paying stocks

8) Have gold in your investment portfolio

9) Take a look at soft commodities, seeing support level.

10) Hedge Fund strategy - Global macro and managed futures could do well

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Happy New Year 2009

The year 2008 had been quite a unforgetable bad years for many investors due to the collapse of major international banks hit by the credit crunch. Investors invested in Hedge Funds, Mutunal Funds, Equities, Bonds, Properties and even Currency Fixed Deposit had been badly hit results in depressed portfolio values.

Well, today is the last day of 2008. I wish all the readers a Happy New Year and moving forward in Life with this valuable experience to greater heights in 2009.

S&P Asian Market Outlook

STANDARD & Poor's (S&P) expects Asian markets to rebound next year on the back of a healthier banking system and lower corporate and financial-system gearing.

There is limited de-leveraging to be undertaken in Asia and, thus, the absence of prolonged financial-system restructuring and regional stock market could see range-trading over the short term and re-test the October lows, adding that '2009 is likely to be a market of two halves.

The first-quarter 2009 is likely to reveal ugly corporate performances and this may dampen sentiment in first-half 2009.

With economic growth anticipated to rebound in second-half 2009, Equities are likely to have a strong fourth- quarter 2009 as the recovery becomes apparent and investors begin to re-rate stocks upward.

Based on a comparison with the 1987-1988 market downturn, S&P expects the Hang Seng (HSI) index to hit bottom in 13-20 months' time. The HSI is targeted to hit 15,000 points at the end of this year, wrote Ms Tan, and could hit 21,000 points at end-2009.

S&P also favours China and Hong Kong as their economies are showing more resilience compared with the other Asian markets, wrote Ms Tan, who viewed both markets as 'overweight'. Most of the other regional markets are viewed by S&P as 'neutral'.

She put an end-2008 target for Singapore's Straits Times Index at 2,000 points and the end-2009 target at 2,300 points.

Citigroup Bailout Rescue

US Government unveils a bold plan on Sun to rescue Citigroup, injecting a USD$20B liquidity into the bank and providing guarantee on up to USD$306 billion of risky loans and securities backed by commercial and residential mortgages.

The announcement jointly by the Treasury Department, the Federal Reserve and the Federal Deposit Insurance Corp, is aimed at to boost confidence in the
finanical bank latest hit by plumming share prices in the last week.

The USD$20 billion cash injection will come from the $700 billion financial bailout package in which the government also received an ownership stake.

As a condition of the rescue, Citigroup is barred from paying quarterly dividends to shareholders of more than 1 cent a share for three years unless the company obtains consent from the three federal agencies.

Las Vegas Sands Future ?

Due to the economy downturn, Las Vegas Sands had been hit by finanical difficulties to raise capital and had to suspend Macau project and focus on Singapore Marina Bay project

Resorts World To Open In 2010

Resorts World confirmed on Monday that its project was on track for a phased opening beginning early in 2010. Resorts World development will open as an integrated resort, and not just as a stand-alone casino with include a Universal Studios theme park.

The theme park, casino, four hotels and a proposal dining and shopping area are to open as scheduled in early 2010 with other features of the project will open later.

So expect Sentosa IR to be open as schedule with Universal Studio theme ride to be one of the most exciting features in the year 2010.

Sentosa Integrated Resort Career

Resorts World at Sentosa which is set for an grand opening in 2010 want to hire 2,300 people for it theme park operation - Universal Studios - by 2nd Quarter of 2009, reported by Channel News Asia.

Company spokeman Robin Goh said the firm had started to fill 300 management and supervisory positions and more than one hundreds of them will be sent to Universal Studios in Orlando, USA for 4 months of training. About 200 managers will spend 2 weeks there.

Mr Robin Goh said Sentosa Integrated Resorts will be offering 10,000 jobs with Singapore getting priority in the hiring process. About 3,000 jobs are for the Universal Studios operation here.

To find out more, please visit the below site for more detail

Careers at Resorts World at Sentosa

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