High Fixed Deposit Banks in Singapore - Rates

Singapore has many banks. They provide different types of services and products. Fixed deposit is one of them. The basic idea can be understood from the name itself. The customers should invest their money for particular time period. Bank authorities use this time period and manipulate the money. They re-invest the money in other ways and earn more money. The most important thing is time here.

Since the customers deposit their amount for a fixed period, it is called Fixed Deposits. The minimum investment required to start a deposit account is S$1000. Customers get high rate of interest. It is similar to the Certificate of Deposits. List of banks in Singapore is mentioned below here.

List of Banks:


DBS - Great World City Branch, Great World City, Singapore.
UOB - Admiralty Branch, 70 Woodlands Avenue, Admiralty MRT Station, Singapore.
Maybank - Marine Parade Central, Singapore.
HSBC - Tanglin, 6 Claymore Hill, #01-01 Claymore Plaza, Singapore.
Citibank -Cuscaden Road Branch, HPL House 50 Cuscaden Road #02-02, Singapore.

The deposit rate depends upon various factors. The key factors are amount and time duration. Rates of different banks are listed below here.

List of Fixed Deposit Rates:


In Citibank, the interest is 0.35% for amount up to S$50,000.
In DBS and UOB, the interest is 0.45% for amount up to S$50,000.
In HSBC, the rate is 0.48% for amount up to S$50,000.
In Maybank, the rate of interest is 0.75% for amount up to S$50,000.

Teaching English in Singapore - Lucrative and Rewarding Jobs Await

For too long Singapore has been dominated by its larger cousins in the global market for TEFL/ESL destinations. It is natural to head to Thailand and Vietnam, completing ignoring this inspiring compact island. No more should the Lion City just be a refuge to teachers from Thailand looking for some civilisation while on a holiday break. Lucrative TEFL/ESL opportunities exist that allow teachers to save and provide for a lifestyle teachers in Thailand and Vietnam can only dream of. Salaries are high, classes involve mostly adults, and schedules are usually done in blocks - all highly rated in any TEFL/ESL job.

Singapore has a lot to offer which other countries don't. Firstly, in the region of South East Asia, TEFL/ESL salaries far outstrip those of neighbouring countries. Teachers can expect to start at USD 2500 a month, most likely beating the USD 3000 mark. While the cost of accommodation may seem high on this small island, other costs such as transport and food are incredibly cheap when compared to the Europe, and even the US. This provides for a very comfortable lifestyle indeed, where teachers can experience the world famous diverse cuisine, spend money travelling, and of course save.

The job search in Singapore is undeniably best done on the ground when you get there. This is convenient as Singapore is a major international flight hub, and visitors from native English speaking countries can enter freely for stays between 30 - 90 days. While arriving with nothing may worry some teachers on a shoe-string budget, it is important to remember that unlike Japan, costs are low, and the market isn't already saturated by other English teachers in the same boat. Some jobs are advertised online, mainly on TEFL.com and ESL Cafe's international job board. However, these may not necessarily be the best deals, and the on the ground job search allows you to negotiate an all round better deal.

Who will employ you when you get there? For an island with a population of around 4 million people, Singapore has a high density of Educational colleges and private institutes. There is a palpable feeling in the air of everyone trying to better themselves. This means business and money to the TEFL/ESL teacher. A CELTA/Trinity TESOL candidate's best bet, like elsewhere in the world, is to contact the major private language chains; Berlitz, The British Council, Cambridge Institute, GEOS, Linguaphone, Shines Education, Wall Street Institute and many more that are dotted along Orchard Road. Job opportunities can also be had in the Straits Times online job classifieds at st701.com. The benefits of turning up on the spot are obvious; it will look like you're in it for the long(ish) haul, you can impress with a professional appearance and demeanour, and more importantly, you can negotiate your salary with your future employer.

It will please many aspiring applicants to know that TEFL/ESL job seekers in Singapore don't necessarily need certification in CELTA/Trinity TESOL, although it will drag down your salary. More important is having a recognised, three year degree, which the government requires for immigration purposes. Don't let this worry you though. Obtaining the necessary Employment Pass is a very simple process, merely requiring some forms to be filled in. This can be done in Singapore and you don't have to leave the country to complete the process at a High Commission of theirs. It may be of interest to note that if you earn above SGD 4000 a month, you don't need to undergo a medical examination.

Who will you teach is an often underestimated question and it is very important to note that teachers are extremely unlikely to be actually teaching native Singaporeans. Having been a colony of the United Kingdom until 1963, and having English as the official language, means English is very well established there. This may not be reflected in standards of local English, but for the most part, this is dealt with by the government during a child's education. You are far more likely to be teaching (in quantity order from my experience) mainland Chinese, Korean, Vietnamese, Indonesian, Malaysian, Filipino, Japanese, Thai, and even Burmese citizens. This provides for a very enjoyable experience because, more than likely, you'll have multilingual classes to teach. Furthermore it may be exciting to note that Singapore has far less kids' classes than the rest of Asia. Naturally, this is due to the fact that English is the language of class in state schools.

Moving on from just the aspect of work, Singapore as a destination for expats, offers a very comfortable tropical lifestyle. The weather is characterised by two distinct seasons; wet and dry, and every day is hot! The vast majority of schools will employ air conditioning though to make the teaching experience far more comfortable. Singapore is renowned for its multi-ethnic cuisine. The real joy of living there is being able to choose from Chinese, Malaysian, Korean, Thai, Vietnamese and European cuisine every day. Food is incredibly cheap, with amazing outdoor (but covered!) food courts providing for a fiesta of food to brighten any day. Fresh fruit juices and exotic cut fruits at rock bottom prices will make you feel great.

Accommodation on the island is where serious thought must be considered. Occupying a relatively small island with 4 million people naturally means rents are high - far higher than neighbouring countries. The vast majority of people occupy an apartment in a block of flats. These come in two levels of quality; HDB (a form of public housing provided by the government) and condominiums (high quality private apartments, usually but not always, with shared facilities like swimming pools, gyms etc). HDB flats are generally older and of lower quality (and sometimes without air con), but are of course cheaper. Condos can be anything from satisfactory to breathtaking. Rents for HDB flats start at around SGD 800 a month, with condominiums starting at around SGD 1500. Obviously, costs depend on a lot of factors, location being a major one. My own private recommendation would be to look for a refurbished HDB flat, rather than a cheaper, lower quality condo. I would also strongly dissuade anyone from seeking an apartment around the long Geylang Road, being the red light district, as it is extremely seedy.

In terms of cultural and leisure activities Singapore has somewhat to offer. Firstly, let's deal with the common derisory remark that Singapore is one large shopping mall. This is true to an extent, and there are very many malls. This will obviously be music to the ears of those who like shopping, and potentially nightmarish for those who don't. Sampling new food at food courts and restaurants is a very special Singapore experience, as is exploring the different quarters; Chinese, Indian, Malay, Korean, and Thai. The centre of the island is still virgin jungle and ideal for trekking, most notably Bukit Timah and Macritichie Reservoir Park being the most authentic jungle. Beaches are OK in Singapore, but the sheer amount of large boats out in the harbour may discourage you from swimming. An array of smaller islands around it are also great for exploring; particularly Kusu, Ubin, Lazarus and haunted Hantu. The island resort of Sentosa is usually very busy and a bit overrated in my opinion for leisure and entertainment.

In conclusion, for an aspiring teacher looking for a place to start, or for an experienced one seeking a fresh start, I would strongly recommend Singapore. Reasons of income, food, and climate make this a very attractive destination for TEFL/ESL. Flexible immigration makes this a good place to make your TEFL/ESL debut, while the above factors make the city a great place to linger for a few years. Singapore offers enough of the great things about Asia while low on the downsides that make other countries harder to live in such as crime, pollution, begging/touting. So, when considering Asia as an English teaching destination, don't rule out the Lion City.

Drunk Driving In Singapore

Drunk driving can be classified as one of the most selfish act one can ever do. This is on the top of my list for the selfish act of the century. It must be drunk driving.

Primary reason is because the drunk driver is putting the lives of other road users at risk. Not only he is a danger to himself, he is also a danger to the public.

As the number of drunk drivers increase year by year, the government has also toughen the laws when dealing with drunk drivers but yet, these drivers seems to be paying less attention to the laws.

Drinking is all there is to for habitual drinkers and they make up the highest number for drunk drivers.

Drinking and driving is the perfect combination for disaster and looking at the statistics for the number of road accident in Singapore, accident caused by drunk driver will easily make up more than 50% of the road accidents.

Why do people still driving after having too much to drink? It is the moment of insanity and driving seems to be the best thing to do when you had too much to drink.

Well, it all goes down to the person's character. If he is the sort who loves action and thrill, he is likely to end up driving even after having ten jugs of beers!

With more citizens calling for tougher and stiffer penalty for drink driving, it will just be a matter of time when even a first time offender will be put to jail and their driving license revoked for a period of minimum of five years if he is caught for drink driving. That will send out a strong signal to all drivers and they will be looking for ways to get a lighter sentence when caught.

Destination Tips - Places to Visit in Singapore

Singapore is one of the most popular holiday destinations in the world. Although most of the old buildings have already been demolished, there are still a number of tourist attractions that are worth your time to drop by Singapore.

When you visit Singapore, you will realise that it is easy to commute to different places. You do not need to rent a car in Singapore as the public transport service is excellent. There is an extensive bus and train network in Singapore that will bring you to places easily. Also, you will realise that Singapore is a very clean city. Heavy fines are induced for those who litters and therefore the standard of cleanliness is pretty high.

In this article, let me share with you some places that you can visit when you come to Singapore:

1. Orchard Road. Orchard road is a shopper's paradise. It is the most popular street in Singapore with shoppers all around the clock. Orchard road is located at the heart of the city and you can easily reach there by public transport. Along orchard road, you can find a lot of Singapore famous shopping centres such as Takashimaya and Wisma Atria. You can find all sorts of things like electronic goods, clothes, branded goods, furniture, etc. When you are tired with shopping, you can easily find cafes along orchard road that you can rest and drink a cup of latte.

2. Sentosa. If you love the sun and sea, you must visit an island just off Singapore. Sentosa is part of Singapore and it is famous for its beaches, volleyball games, Butterfly Park and historical monuments.

3. Singapore Changi Village. Changi Village is located in the north-east part of Singapore. Changi Village is famous for its restaurants and food centres that serve local delicacies, where tourists can enjoy a variety of Singapore cuisines. Changi Village is also famous for its centre terminal and ferry terminals.

4. Sisters Island. If you love adventures, you will love Sisters Island. There are many activities that you can do on Sisters Islands, such as snorkel and air diving. If you want to experience something else other than city life, you must visit Sisters Island when you are in Singapore.

5. China Town. In China Town, you can get a find a lot of bargains on goods and is a place that shopaholics must visit when they are in Singapore. You can also enjoy a variety of local delicacies too.

So do include Singapore as one of your travel destinations when you go for holidays and I am sure you will not regret coming here.

Star Cruise Singapore - Discover Singapore All Over Again

Star Cruise Singapore is one of the bases of the Star Cruise luxury cruise lines. The SuperStar Virgo is only one of the ships that sail with Star Cruise out of Singapore. This ship in particular has two, three, and five night cruises. A sample of their itineraries shows the types of vacations you can have while on these ships.

Two Nights Cruise

The two nights cruise on the SuperStar Virgo is a simple one. It begins in Singapore where passengers arrive and embark on the ship. They can then enjoy the shipboard entertainment, activities, and dining while the ship cruises the high seas.

There are movies available in the Picture House and a live band in the Galaxy of Stars entertainment room. You can swim in the pool, use the gym or the Jacuzzi, or lounge on the deck. After your time on the sea, the ship will return to port at Singapore, and your journey will be over.

Three Nights Cruise

The three nights cruise offers ports of call in two different countries. After boarding your Star Cruise Singapore, you will first go to Penang, Malaysia. You will spend the afternoon and evening at Penang, as the boat will be docked there from noon to 10 p.m. The next stop will be in Phuket Island, Thailand. You will be on Phuket from 8 a.m. to six p.m.

One thing you have to be aware of is that you may not be eligible for all the cruise packages. Star Cruise Singapore will clearly state on their website when the package is valid for certain people such as Indian Nationals only. Then, you will have to make arrangements to have a cruise package that fits your needs.

Five Nights Cruise

One five nights cruise with Star Cruise begins in Singapore and makes five stops before going back to complete the journey by docking again at Singapore. Penang will be the first stop on the cruise, where you will stay from noon to 10 p.m. Phuket Island will be next, just as it is on the three nights cruise. Again, you stay there from 8 a.m. to 6 p.m.

Interestingly enough, the next stop is back in Singapore on the fourth day, where the ship will be in port from 7 p.m. to nearly midnight. From there, the ship will move to Malacca, Malaysia, staying only from 7 a.m. to 9 a.m. on the fifth day. A longer stop is made that day at Kuala Lumpur at Port Klang from 2 p.m. to 11 p.m. Then, it is back to Singapore.

You have several options on Star Cruise Singapore for different itineraries. With all the ships this cruise line has to offer, there are plenty more choices besides these. The best way to know which one to choose is to find out a little about each port, and that just takes some good old fashioned research.

Singapore's Latest Baby Count

Singapore is still not getting the number of babies needed for the population levels to remain stable without extra measures like 'importing' foreign talents to stay in this Garden City.

60,000 babies are NEEDED each year to make this a possibility. In other words, it needs a fertility rate of 2.1 babies per woman so that the population can replace itself naturally.

The number shows 39,935 babies were born in 2008 which is the highest number since 2002, 40,760 babies. The latest number includes the babies from the 1 million foreigners who work and stay in Singapore.

Singapore's population is only 4.84 million and with the massive new job opportunities popping out from the opening of Marina Bay Sands(TM), more immigrants are expected to make Singapore their home.

Marina Bay Sands(TM) would be a place with three cascading hotel towers , retail stores, trendy Celebrity Chef restaurants, endless entertainment at the theatres, the hottest night clubs and a Las Vegas-style casino. Business visitors will also enjoy the extensive Meetings, Incentives, Conventions and Exhibitions (MICE) facilities featuring state-of-the-art technology, highly flexible exhibition halls, and a convention centre that can host over 45,000 delegates.

While everywhere else is talking about recession and retrenchment, Singapore is offering opportunities to secure your rice bowl, would you come over? I think the attraction is obvious.

Well, the Marina Bay Sands(TM) will be up and running late 2009 or maybe early 2010, so we shall see how the new influx of foreigners could help with the number of babies produced.

As I write this, I find it really weird, to be conditioned subconsciously in the mind that with better living standards, babies can be produced 'more naturally'???

Babies are born because a married couple wants to build a family, irregardless if they are rich or poor, isn't it? Though money is definitely an issue to consider in sustaining a family's expenses, it is still not the main consideration, isn't it?

Anyhow, I will just sit back and see how the impact of this new landmark would have on the number of babies born when they do the count in year 2010.

Singapore Airlines

Singapore Airlines is a chosen airline by travelers for several reasons. It offers travelers a network of 89 destinations all over Asia, Europe, North America and South West Pacific and Asia. There are several direct flights and if not so then there are easy interchanges available.

There are several flyer benefits that one can notch up whilst flying Singapore airlines. Singapore airlines fly to several places in Asia such as Kuala Lumpur, Penang, Hong Kong, Manila and Jakarta to name a few.

On the long haul flights to London, San Francisco, Sydney, Munich, Los Angeles and Houston. Singapore airlines operate passenger services to 65 cities around the world in 35 countries. Passengers who have traveled by Singapore airlines have loved the cabin ambience that it provides. As soon as you enter the aircraft of Singapore airlines you are overtaken by the refreshingly calm and soothing ambience that sets you right in the holiday mood or for a business meeting. The seats are comfortable and the cabin crew warm and friendly. There is generous amount of leg room for you to stretch and not feel cramped on the journey. The seat pitch for economy class is 32 inches and for business class seats at 40 inches. This is quite a bit of ergonomically designed seating so as to ensure that the seats are made to fit the contours of your body easily and the flexible hand rests allow you support and flexibility. The upholstery did in leather gives you the luxuriant and comfortable feel along with the comfortable storing space for hand luggage.

Most of the aircrafts operated are the latest and therein offer the passenger the best of traveling experience. The cabin crew at Singapore airlines come from diverse cultures and speak several different languages to make the passengers feel comfortable at all times. They are friendly and professional with the right training under their belt to take on any kind of situation. They help the passengers to unwind and provide the most relaxing and ideal of service miles above the ground. They are there to assist the passengers in all respects and ensure that the multi-lingual ability makes them connect with one and all on board. The cabin crew will help you with the luggage, connecting flights, answer your questions and queries and in short be there throughout the flight to make the flight a wonderful experience for the passenger.

Also, the in-flight dining and entertainment is an experience by itself. The menu comprises of the right mix of oriental and western fare which is perfect to suit several different tastes and palettes. There is an emphasis on the local cuisine which many passengers love to taste during their journey. In case of any special dietary requirements that is taken care of at Singapore airlines.

There is a loyalty program that one can participate in and redeem frequently flyer miles to notch up more travel by Singapore airlines.