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Military man appointed as A*Star’s very first Chief Executive Officer

The Ministry for Trade and Industry announced last week that 43-year-old military officer REAR Admiral (RADM) Frederick Chew Chih Chiang will become the very first Chief Executive Officer of the Agency for Science, Technology and Research (A*Star).

RADM Chew will take on his new role from April onwards. The military officer, who is also presently a Board Member of the Defence Science & Technology Agency (DSTA) and DSO National Laboratories, will also be appointed as board member of A*Star.

A naval officer by vocation, RADM Chew is currently Deputy Secretary (Technology) at the Ministry of Defence (MINDEF) – a position he will continue to helm until mid-2019. He has previously held top positions in MINDEF and the Singapore Armed Forces (SAF), such as the positions of Director of Joint Operations, Commander Maritime Security Task Force and Head of Naval Plans.

RADM Chew, an SAF Overseas Scholar who is also a recipient of the Lee Kuan Yew Scholarship and Fulbright Award, holds a Masters of Engineering (First Class Honours) from the Imperial College of Science, Technology and Medicine as well as a Masters of Science in Management from Stanford University.

Chee Soon Juan sells his new book at the same spot J. B. Jeyaretnam did, echoes, “Make It Right for Singapore!”

Since the release of the Secretary-General of the Singapore Democratic Party (SDP) Chee Soon Juan’s book, he has been tirelessly stationed at Raffles Place to sell it. On social media, Dr Chee reminisced about how he stood at the very spot the former Workers’ Party, the late J.B. Jeyaretnam sold his own books at.

Dr Chee wrote in a Facebook post yesterday, “I have a soft spot for the place because a few steps away was where JBJ would also sell his book, Make It Right for Singapore”.

He added that apparently, the late veteran politician was desperately trying to raise funds to pay the damages for lawsuit filed by the People’s Action Party (PAP). “I’ll tell you the story of how he came to publish his books another time”, Dr Chee wrote in an aside.

The secretary-general of the SDP then shared an anecdote of an experience the two men shared.

“One afternoon while I has selling one of my other books, To Be Free, Ben was selling his book at the adjacent building The Arcade. From where I was standing, I could hear him bellow: “Make It Right for Singapore!” Folks would get a copy from him and thereafter come to me for my book. And whenever someone bought from me, I’d tell them, go get JB’s book too. It was record sales that day!”

Seeing as how both Dr Chee and Mr J.B. Jeyaretnam were prominent opposition figures steadfast in their cause, the former wrote, “It’s been a little more than 10 years since he passed away. I still miss him. Don’t worry, Ben, we’ll Make It Right for Singapore!”

https://www.facebook.com/cheesoonjuan/photos/a.10150092386688849/10158682252603849/?type=3&theater

Dr Chee has written a number of other titles including his latest, ‘Never on Bended Knees’. He has also authored books such as ‘Democratically Speaking’, and ‘A Nation Cheated’.

The life of the Keppler telescope is a victory for optimism

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Remind yourself of the inner 10-year-old boy or girl and the sense of possibility that exists in their young brains

In 2019, the biggest challenge the global community faces is not climate change, frustrating politics or income inequality. It is the sense of creeping cynicism, a propensity to see the worst in humanity and a “we are doomed” mentality.

This is a big problem because it makes it impossible to actually solve climate change, get involved in the political system or propose an economic idea for wealth inequality.

Being cynical can be helpful in analysing situations to avoid getting taken for a ride, but it is fairly useless when actually trying to make the world a better place.

That is why the image released yesterday by NASA, taken by the now-retired Kepler telescope, is a timely reminder. It should be inspiration to think beyond what is possible. It is an admonition of humanity’s tendency towards narrow thinking.

In our hyper-modern, hyper-speed and hyper-hustle cosmopolitan culture, the day-to-day grind it is easy to get stuck in a “this is the way things work,” mindset.

Then, NASA releases a picture that drives home how obnoxiously tiny this planet earth truly is; and it should prompt people to stop and think, “oh wait, maybe I don’t really know ‘how it is’.’”

The sheer amount of possibilities presented on one photo is a reminder of the many diverging paths any situation can take.

Plus, the history of Kepler itself should make people feel more hopeful about what is possible.

The telescope was originally designed to operate for three-and-a-half years. Assuming the possibility of things going wrong, NASA took precautions to make sure it had enough operations for six years. As the date approached, the team realised the weight of the spacecraft was significantly less than had been anticipated.

This allowed them to fill the spacecraft with enough fuel to operate for 10 years. Plus, in a celebration of physics, the Kepler instruments are powered by solar energy and the fuel is only meant for course correction. NASA leveraged the sun’s gravitational pull for most of the flight.

Imagine telling a cynic in 1969 that human beings would operate a space telescope for 10 years whereby a significant amount of the mission leveraged energy (solar, gravity) from by the sun. They probably would have said, “but that’s not feasible”.

Then there is the sheer childhood glee that comes from the results produced by Kepler.

Kepler discovered 2,600 planets beyond our solar system, proved that the galaxy has more worlds than stars and collected so much data that scientists expect to mine it for years.

“The “last light” image taken on Sept. 25 represents the final page of the final chapter ofKepler’s remarkable journey of data collection. It bookends the moment of intense excitement nine and a half years earlier when the spacecraft first opened its eye to the skies and captured its “first light” image,” wrote Alison Hawkes of the Ames Research Center in Kepler’s obituary.

Also Read: e27 Ask Me Anything: OVO Chief Product Officer Albert Lucius answers your questions!

Space has a unique ability to spark wonder. It makes us imagine the impossible, dream of the unachievable and work against the insurmountable.

Sure, we may not actually achieve our ultimate goals, but the place where we have landed is much further than anyone could ever have anticipated.

Kepler provides a useful example. The final photo has a lot of missing pixels. Why? Because the camera has broken multiple times along its journey. Was the final picture a beautiful tour de force of space exploration? No, not really. But it was really cool, and while today’s scientists may have hoped for a better picture, 10 years ago they never would have imagined even taking a photo.

Whether it is starting a company, saving the environment or helping the less fortunate, the first step is to approach the challenge with optimism. There will be a lot of bumps along the way, so if the mindset is wrong in the beginning, it will be impossible to succeed.

Also Read: We revisit Vietnam’s TOP100 from 2018 to see what they’re up to now

Remind yourself of the inner 10-year-old boy or girl and the sense of possibility that exists in their young brains. Try to emulate the children in our world and approach life with the same enthusiasm. Instead of thinking about ‘what is’, focus on ‘what could be’.

The retirement of Kepler, and the final photograph sent back to earth, should inspire optimism and, to quote Tom Hardy in the movie Inception,

“You musn’t be afraid to dream a little bigger, darling.”

Photo by Logan Lambert on Unsplash

The post The life of the Keppler telescope is a victory for optimism appeared first on e27.

Source: E27

VIDEO: Police confront indignant SBS Transit bus passenger after he shouts at crying baby and harasses other passengers

A confrontation between an SBS Transit bus passenger and the police was caught on camera by an eyewitness. According to the eyewitness, Facebook user Hilmi Hakim, the bus took a detour to the police station after the passenger created a ruckus on board the bus.

According to Hilmi Hakim, the passenger allegedly “shouted at a crying baby and said to the parent, ‘Your baby is noisy and can you keep it quiet? It’s irritating.'”

The passenger then “shouted at a lady for no reason. The lady then left the bus because she could not take it.” Hilmi Hakim says the passenger then started bothering a few girls in the bus who complained to the bus driver.

The bus driver immediately drove the bus to Macpherson police station. In the video shared by Hilmi Hakim, a few police officers can be seen in the bus, confronting the passenger and asking him to alight the bus and come into the station.

The indignant passenger refuses to alight the bus and asserts that he did not do anything wrong. After several minutes of insisting that he is well within his rights, the passenger decides to alight the bus and follow the policemen into the station.

Watch the video here:

https://www.facebook.com/hilmi.hakim.1/videos/4925498929754/

BREAKING: Tan Cheng Bock’s new party members revealed

Since the announcement of his intent to form a new political party, Dr Tan Cheng Bock has kept mum about the other members who would join him on his new political venture. However, upon application to register the Progress Singapore Party on January 16, Dr Tan had to list down the names of his party’s proposed members.

In an exclusive to TODAY, some of the members were revealed. Dr Tan will be joined mainly by former PAP veteran cadres, some of whom were grassroots volunteers.

In office along with Dr Tan Cheng Bock are Mr Anthony Lee, 39, who was appointed assistant secretary-general, former PAP cadre Wang Swee Chuan, 68, Mr G K Singam, 81, also another former PAP cadre will be joining them as vice-chairman. Mr S Nallakaruppan, who is in his 50s and works at a bank, was given the position as treasurer.

Photo: Facebook/ Tan Cheng Bock
Mr Anthony Lee

Photo: Facebook / Tan Cheng Bock
Mr G K Singam
Photo: Facebook / Tan Cheng Bock
Mr Wang Swee Chuan & Mr S Nallakaruppan

TODAY’s anonymous source said that most of Dr Tan’s new political party members knew Dr Tan back when he was the Member of Parliament (MP) of Ayer Rajah single-member constituency (SMC), from 1980 to 2006.

According to the source, the party will be looking at eight constituencies in the western part of the island to contest: West Coast GRC, Jurong GRC, Chua Chu Kang GRC, Pioneer, Yuhua, Hong Kah North, Bukit Panjang and Radin Mas.

Along with those holding positions of office, Dr Tan will also be joined by Mr Wong Chow Seng, Mr Kassim Syed Mohamed and Ms Michelle Lee.

The exclusive by one of Dr Tan’s party members dispels rumours of Prime Minister Lee Hsien Loong’s brother Lee Hsien Yang joining the Progress Singapore Party. Following the resignation of Benjamin Pwee, secretary-general of the Democratic Progressive Party (DPP) yesterday, many also speculated if he would be joining Dr Tan’s party.

Huawei plans to showcase artificial intelligence features at upcoming Mobile World Congress amidst security scrutiny

Huawei made headlines again, as it showcased the use of artificial intelligence in completing Schubert’s Symphony no. 8 in publicity for the upcoming Mobile World Congress in Barcelona, Spain.

The telecom giant is set to release its first foldable 5G smartphone and to showcase 5G achievements in the mobile congress.

Huawei’s latest 5G smartphone. (Photo: Screengrab from YouTube)

The company will release a complete version of the 200-year-old masterpiece of German composer Franz Schubert. In a 35-second advertising clip posted on YouTube, Huawei smartphone teasingly bared it:

“In 1822, Schubert began his Symphony No 8, but never completed it. Using the power of AI and the help of any award-winning composers, Huawei taught its smartphone to finish it. Amazing things happen when you combine technology with human expertise.”

The teaser showcased Huawei smartphones alongside musicians, ending with a tagline, “The Unfinished symphony – All will be revealed February 2019”.

Huawei’s latest 5G smartphone. (Photo: Screengrab from YouTube)

At last month’s Consumer Electronics Show in Las Vegas, Huawei’s presence was not really visible where it only unveiled a few laptop computers for the US market because of escalating scrutiny on its security features.

Chinese-owned company Huawei Technologies was involved in a high-profile legal proceeding with the US government. The US claimed that the company had close ties with the Chinese government.

The western country filed charges such as trade secrets theft, money laundering and bank fraud, which were consistently denied by the company.

In December last year, Huawei chief financial officer Sabrina Meng Wanzhou was arrested in Canada. This was requested by the United States for allegedly defrauding multiple financial institutions in breach of US-imposed bans on dealing with Iran.

Last month, the US Department of Justice announced financial fraud charges against her. Meng is currently on bail, awaiting an extradition trial.

Huawei would not withhold in showcasing the latest they can offer for the upcoming MWC, as most countries in Europe remain friendly to the Chinese company.

Security and privacy concerns still continue to have an effect on the company. After the US held the telecom accountable for the charges, recent reports suggested a growing number of European countries keen on scrutinizing its products.

When it comes to publicity, Huawei made a blast as it tried to capture the market through a testimonial advertisement.

Football stars Michael Owen and Joe Cole for Huawei’s latest ad. (Photo: Screengrab from YouTube)

Football stars Michael Owen and Joe Cole were tapped to endorse Huawei on social media platforms, with the phone’s tagline, “Make the Switch”.

In their YouTube ad @HuaweiMobileUK, the stars have made their own transfer window statements. “Owen, who famously switched from Liverpool to Real Madrid and Joe Cole, once of West Ham, transferred to Chelsea, are no strangers to controversial moves. This deadline day, however, they’ve made the easiest move of their life in switching to Huawei due to ‘frustration’ around the lack of performance with their old phones.”

“Better battery and an amazing camera, I wish I’d done it sooner,” stressed by Owen, with a line “I’ve made some big switches in my career, but this one with has been easier than most”.

As for the Symphony, Clarence Mak, associate dean of the School of Music at the Hong Kong Academy for Performing Arts, “The [Huawei] work will bring one more possibility to Schubert’s unfinished symphony and is a nice way to try.”

Mak also pointed out, “Like it or not, learning to compose alongside a computer is a must and will have no small impact on the younger generation of artists.” He further said that at the academy, students already take a course in algorithmic composition.

 

Wow, he tried to sneak 1,169 packets of chewing tobacco in shoes!

BEWARE: Chewing tobacco and other smokeless tobacco products may be perceived as safer than cigarettes or other smoked tobacco products because they aren’t linked to lung cancer.

You’re wrong as chewing tobacco increases the risk of oral cancers.

This warning comes after another Malaysian motorcyclist was caught with 1,169 packets of chewing tobacco in his shoes and other belongings at Woodlands Checkpoint early on Thursday (February 7) morning, said the Immigration & Checkpoints Authority (ICA).

The 50-year-old man was stopped by ICA officers for further checks at about 4.45am. A search revealed the contraband concealed inside his shoes, raincoat bag, haversack and the motorcycle’s carrier box.

The ICA is concerned because there have been a series of chewing tobacco cases in recent weeks. A spokesman says: “Our borders are our first line of defence in safeguarding Singapore’s security. The ICA will continue to conduct security checks on passengers and vehicles at the checkpoints to prevent attempts to smuggle in undesirable persons, drugs, weapons, explosives and other contrabands.”

‘KHAINI’ TOBACCO

Among chewing tobacco, most popular is the ‘Khaini’ tobacco which is intended to be used by placement in the mouth. It consists of moist, dark brown tobacco leaf, mixed with slaked lime or spices and has a distinctive smell, says the Health Sciences Authority (HSA), which investigates such violations.

For the record, the import and sale of so-called emerging tobacco products such as shisha, smokeless tobacco and chewing tobacco are banned in Singapore. Anyone convicted of importing or selling these products faces a jail term of up to six months, a fine of up to S$10,000, or both.

Repeat offenders who are caught with more than two kg of tobacco products will also face mandatory imprisonment. Vehicles used in the commission of such offences can also be forfeited.

The illegal bootings of chewing tobacco is a global problem, from Europe, the Middle East, Africa and America. They’re usually smuggled disguised as herbs and spices, aimed at the Asian migrant-worker market.

Some pouches of tobacco resemble tea-bags and intended to be sucked.

LUNG CANCER

The authorities warn that chewing tobacco and other smokeless tobacco products may be perceived as safer than cigarettes or other smoked tobacco products because they aren’t linked to lung cancer. And smokeless tobacco products are often promoted as a safer option.

“These products, however, result in some of the same risks as cigarettes, as well as additional health risks particularly associated with smokeless tobacco products,” says a senior officer familiar with investigations.

He adds that chewing tobacco is a common type of smokeless tobacco. Smokeless tobacco products consist of tobacco or a tobacco blend that’s chewed, sucked on or sniffed, rather than smoked. Nicotine is absorbed through the soft tissues of the mouth and in some cases swallowed.

“There are as many as 28 different chemicals, which are either present in tobacco or which form during the production process, that have been identified as cancer-causing agents (carcinogens). These substances in smokeless tobacco products have been linked to well-documented risk of disease,” he warns.

If you use chewing tobacco or other forms of smokeless tobacco, consider options to help you quit. Because of the health risks of chewing tobacco, smokeless tobacco products are not a good alternative to quit cigarette smoking.

Update on Go-Jek viral ‘hostage’ video: 60K sign petition in support of driver

The Go-Jek driver who uploaded a video last week showing a very difficult passenger has gained the support and sympathy of many in Singapore. There is now a petition on change.org to prevent him from losing his license to drive private hire vehicles (PDVL), which has been signed by over 60,000 people.

For the sake of clarity, the petition is not necessarily a fundraiser for the driver, Kamaruzzaman Abdul Latiff, but merely a vehicle for public support. People have the option to merely sign and share the petition, and not give a donation to Kamaruzzaman.

The anonymous persons behind the petition clarified this because the driver himself posted on Facebook, “I was told someone is collecting a $4 donation of behalf of me. (Please…) stop donating as I’m not aware of this and never asked (for) any donations or asked someone to do it for me.”

However, since Kamaruzzaman has three children and is the only one employed in his family, the people who started the petition thought it a wise move to chip in for financial support. But since they never asked Kamaruzzaman before starting this, they wrote an apology to the Go-Jek driver. “We truly apologized to Abang and other parties who are affected by this petition as Abang was never personally informed beforehand by our team prior to this petition when it was first put up to reach for public support.” 

The petition reads, “Please do not chip any cash amount if you have doubts on how Change.org operates. We, the starters of this petition do not collect any funds for any individual or organizations, not even pocketing any money chipped in upon signing this petition.

You can choose to skip the payment part and continue to sign the petition like how most of the signers did. This is not a monetary donation move but will act as an appeal to LTA to not revoke Abang’s PDVL. There is no reason why any monetary donation should be involved in this case as Abang is still fit and healthy to earn a decent living for his family. There is no bank account number or card details attached to this petition. If u have donated any amount please revert to Change.org as our main and only purpose is to email LTA our petition once we have enough signatures.”

The goal of the petitioners is to reach 100,000 signatures.

While Go-Jek has assured Kamaruzzaman that no action will be taken against him stemming from the incident, he could be faced with sanctions from the LTA.

According to the petition, “Under LTA regulations, PHVs are not allowed to have inward facing cameras and recording devices and Abang has breached the Road Traffic Act too by uploading the video of the altercation and sharing his conversation with the passenger publicly.

According to existing laws, Abang can be docked 21 demerit points and fined $500 for sharing the video publicly which will automatically disqualify him from driving Go-Jek.”

Kamaruzzaman met with the LTA on Thursday morning, February 7. He said that the Land Transport Authority (LTA) has allowed him to continue to drive for the ride-hailing firm, and that his interview with the Authority ‘went well.’

Read related: LTA summons Go-Jek driver who went viral for taking passenger ‘hostage’

https://theindependent.sg.sg/lta-summons-go-jek-driver-who-went-viral-for-taking-passenger-hostage/

 

Lawyer Khush Chopra echoes Tan Kin Lian’s call to be ‘big-minded,’ encourage alternative politicians

On Friday morning, February 8, Singaporean businessman and social activist Tan Kin Lian encouraged people to “Be big minded towards alternative politicians.”

His main point was this: in order to bring about change, big-minded people are necessary. He defines big-mindedness as looking for commonality, strength, and agreement.

In contrast, a small-minded person does the opposite, and tears apart “points that are sound,” Tan said. And, while the people presently in power only enact policies that serve themselves and those like them, the interests of ‘ordinary people’—such as the high cost of living, insufficient salaries and the lack of job security— are neglected.

Therefore, according to Tan, “To make the changes that are necessary, they are some people who are willing to step forward and provide an alternative set of policies to the PAP.”

https://www.facebook.com/kinlian/posts/2482306808508623?__tn__=C-R

Chopra strongly agreed with Tan’s assertion, re-posting what Tan wrote, and adding this,

“Tan Kin Lian is making a most important point here. It’s rather difficult to find people willing to put their necks on the line in Singapore … yet many nitpick about every little wart and blemish about opposition politicians.

Yes we need to encourage the opposition not denigrate them. Focus on the ideas and not undertake character assignation campaigns. We need to be big minded as Tan Kin Lian asks us to be.”

https://www.facebook.com/khushchopra1/posts/10156272012416219?__tn__=-R

Chopra engaged with commenters on his post.

In answering a commenter, Chopra said the point is all about fairness of treatment. He argued that should PAP members be closely examined, their faults would be similarly exposed.

Netizens also commented on Tan Kin Lian’s post, saying that one person or party should not stay in power continuously, as this is detrimental to everyone else, a point that Tan agreed with.

Debt consolidation is debt management – not debt elimination

While debt consolidation offers may sound appealing, especially if the new loan offers an attractive initial interest rate, it is important to consider all the factors before picking one up.

By: Hitesh Khan/

If you are like most Singaporeans, your email and mailbox may be filled with offers for credit cards, mortgage refinancing and personal loans. Many of those offers stress the benefits of moving existing balances to the new lenders. While that may sound appealing, especially if the new loan offers an attractive initial interest rate, it is important to consider all the factors associated with debt consolidation.

Moving all your outstanding loan balances to one lender will not reduce the amount you owe. You must ultimately pay off the loan and pay interest until the loan is repaid. Your goal should be using debt wisely.

5 tips for boosting your chances of getting personal loans

Consider the following steps before debt consolidation:

1. Paying down your credit card debt 

Even if you have not borrowed the maximum allowed for your credit card, paying down your balance should be one of your top priorities. Pay more than the minimum on your credit card balance. Interest rates charged on most credit cards are usually much higher than those found on other loans.

Making your credit card payment as soon as you get the statement will help reduce the interest you are charged.

Minimise your credit card usage for a period. Along with not subjecting higher balances to interest, using cash may help you identify ways to spend less.

2. Evaluating the real estate-based alternatives

Start by reviewing the interest rates on your existing debts. Credit cards and unsecured personal loans usually have higher interest rates than other forms of secured debt like a mortgage, home equity loan or an auto loan. If you find that your rate on a home equity line of credit is less than the rates on credit cards, other personal loans or auto loans, utilising borrowing through that line of credit may save you money.

Then evaluate your borrowing capacity available through a home equity loan. Borrowing through a shorter-term home equity loan will probably lower your interest rate, but most home equity loans have variable interest rates. If you have a great deal of high-interest rate debt, increasing the size of your fixed-rate mortgage by refinancing (even if you end up with a slightly higher mortgage rate than what you currently have) may result in lower overall interest costs.

The interest you pay on your mortgage or home equity loan may also be tax-deductible if you itemise your deductions, but remember a home loan puts your home at risk.

3. Discuss your situation with your financial institution

They will be able to explain the alternatives and may offer you a special program because of your existing relationship. Evaluating these real estate-based alternatives especially can get a bit complicated, so you may want to discuss them with a financial professional like mortgage brokers.

4. In debt consolidation you must use common sense

debt consolidation
Image credit: Alan Cleaver l Flickr

Remember that borrowing money – even if it is for debt consolidation – means you have to repay https://www.icompareloan.com/resources/expat-personal-loans/it.

If your borrowing is too high, take immediate steps to reduce it. Every dollar of debt reduction will translate into less interest you have to pay. Get professional help if you need it. Mortgage brokers may help consumers when all else fails, especially since their service is free and they have helped thousands. But be very wary of any organisation that wants you to pay a fee for their services or that promise an easy solution to your situation. If their message sounds too good to be true, it probably is.

5. Moneylenders are another source for debt consolidation

But before you approach a licensed money lender, consider other alternatives, such as the various financial assistance schemes offered by various Government agencies. As you are legally obliged to fulfil any loan contract you enter into with a licensed moneylender, consider whether you are able to abide by the contractual terms, bearing in mind your income and financial obligations.

Expat personal loans – what happens when you have to leave the country?

Even in debt consolidation, borrow only what you need and are able to repay. Be mindful that if you are unable to meet the contractual terms, the late payment fees and interest payment will be a financial strain not just on yourself but also on your family. The law requires moneylenders to explain the terms of a loan to you in a language you understand and to provide you with a copy of the loan contract. Make sure you fully understand the terms of the contract, in particular, the repayment schedule, the interest rate charged and the fees applicable.

Regardless of how much of a financial crunch you are in, you should always shop around different moneylenders for the most favourable terms. You should not rush into and commit yourself to a loan until you are satisfied with the terms and conditions.

How to Secure Personal Loans Quickly

If you are in a financial crunch and are searching for personal loans to expand your business, the loan consultants at iCompareLoan can set you up on a path that can get you a it in a quick and seamless manner. Our loan consultants have close links with the best lenders in town and can help you compare various loans and settle for a package that best suits your needs. Find out money saving tips here.

Our Affordability Tools help you make better property buying decisions. iCompareLoan Calculators help you ascertain the fair value of a property and find properties below market value in Singapore.

If you are looking for a new home loan or to refinance, our Mortgage brokers can help you get everything right from calculating mortgage repayment, comparing interest rates all through to securing the best home loans in Singapore. And the good thing is that all our services are free of charge. So it’s all worth it to secure a loan through us for your business expansion needs.

Contact us for advice on a new home loan.

Contact us for home loan or refinancing advice.