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Identification or a residence card is required to apply for a telephone line. This must be presented with the completed application form of the chosen service provider. There are four ways to apply: Call the telephone provider, online application, visit the store or visit the customer service provider.

If you are looking for the best without thinking about how much it would cost you then you can try Singtel combo 3 where you not only get unlimited data but also unlimited calls and SMS wth a phone subsidy. It comes with a contract and costs S$108.80 but if you want the full package then this is the plan that you are looking for. If you are on a budget and only want mobile data then you should try Zero 1GB to Unlimited data however the speed will be throtted after 1 gb.

There are a lot of cheap plans but the best that provides what you are looking for are StarHubGiga and M1 which offers, 1,000 SMS, 1,000 min of calls and 25-30GB of data for only S$25.but if you're looking for something cheaper but still somewhat decent, you could try Zero1 though you will encounter speed reduction after 1GB of mobile data use.

At first it might sound lika a hoax but since this is Singapore where possibilities are limitless. There is a company called Circles.Life that offers a free sim only plan. Their plan includes 1GB of data, 30min talk time and 10 SMS every month for S$0. This is perfect for someone who just needs a sim card for emergency purposes or someone who needs a line so they can be reached but does not use their phone much. TPG also offers one which includes 2G of data/day but you can;t use it for calls and SMS.

Singapore is known to be one of the safest countries in the world. Age restrictions are part of Singapore's safety measure so the answer to your question is "Yes" there are age restrictions in getting a landline in Singapore. You need to be at least 17 if you are a Singaporean Citizen and you need to be at least 21 if you're not a citizen.

The main phone provider in Singapore is Singapore Telecom. They provide both land and mobile phones as well as Internet access. The telephone number for Singapore Telecom is 1-800-738-1311 or 1-609-738-1311. When getting a landline installed, it normally takes five business days. These phones are capable of both national and international calls.

You can submit a change of address notification to your telephone provider online or yu could always call your phone provider's customer service for further inquiries about the change and charges: Procedures such as account closure and account transfer may have to take place at a customer service centre.

Singapore has been known to have the safest banks in the world. According to an article published in 2019 by Global finance, DBS bank holds the title for the safest bank in Asia for 11 consecutive years and the 15th safest bank in the world. DBS bank has also been recognized by Euromoney as the "Worlds Best Bank"

In case your card is missing or stolen, you should contact your bank ask them to block the card for you. Some banks offer mobile apps so that you could block or deactivate your credit card remotely at any time and at any place in case of emergencies and incidents like the one that you are dealing with now.

You can try requesting for a card replacement via SMS or you can call your bank to report the issue and ask for a solution. Some banks have a mobile app where you can contact customer support or request for a replacement. There are credit card promotions that offer free replacement but usually they would charge you about 10SGD for a replacement fee so you should ask your bank for further details.

It would be a bad idea because you might not be able to repay your debt if you get a loan to repay old debts and it might put you in a worse situation. A better idea is to get a couple of secured accounts to repay your debt. This way, you would be able to repay your debt and establish a credit history.

Yes, it is possible to ask your credit card compan to reduce your monthly payment plan but it would depend on the company. Many companies would approve such a thing and will honor it as long as you keep making the payments on time. Another thing to make sure is that you get it in writing for a pay for delete guarantee.

If you were to ask anyone, you should and probably need to handle this accordingly, manage your money properly and decide if you have enough space in your budget to reposses this car since it’s a 1928 model I doubt it would be wise to even get it back and instead invest in another form of transportation, there is not guaranteeing that once you get your car that it would still be as fine as the day that it was repossesed.

You just need to way out if it would be a priority to spend the money now and pay for it later, its all about answering the question of it being necessary? Because if it isnt then it I strongly suggest that you put the credit card down and just save up, credit cards pile up with interest but I dont think the interest that you expect is as big as you think, especially if you are able to pay for it in the span of months.

First of all stop right there, dont spend money you dont have, especially as grand as a car youd be stuck in debt before you even know it. Second you cant apply for multiple credit cards because companies keep track of those on your behalf, a bank isnt going to leave you credit that easy, you have to be reliable first to be able to pay for the credit that you borrow, my advice would be to hold off on all the spending and instead just save and invest.

When the Bankruptcy order was signed,creditors are given the choice to file their debtors for bankruptcy if they meet the following conditions: The debtor failed to comply wit a statutory demand to pay the debt for at least 21 days and the debtor failed to comply with a court issued execution. Debtors who also fled the country could also be subjected for filing.

Most financial institutions would usually do a background check but there is no need to fear. If you just go discharged this year then it might be hard but it doesn't mean that you'll never be able to get a housing loan. Financial institutions will consider approving your housing loan but you wil need to be discharged from bankruptcy for at least a year or two.

Like in most financial institutions your bad credit record would definitely affect your eligibility to obtain a housing loan because it would be harder for those financial institutions to trust your capacity to pay off your debt. You need to at least have a clean credit record for at least 6 months before you get approval from financial institutions.

Just as long as the interest rates are not that high and that loan isn't going to be lasting long without it being paid, then I say it is a matter of priority of whether you should get a loan because if all else fails and you fail to pay the loan immediately, the interest rates will get you otherwise and you will be under twice the amount of debt that you started with, ofcourse it can be helped just as long as you responsibly find out the set backs of having a personal loan and if you are able to handle of paying the said loan when the need arrives

Well whenever you borrow or loan from the bank there will be given a limit to that loan and when you should pay for that specific loan, ranging from months to even a year, but the inability of you being able to pay at the due date will result in a higher amount of interest the following month compared to your payment dues during the deadline. Everytime you will decide to borrow from the bank there will always be an interest in general and you will have to pay for it with an added amount next time around. Hope I helped goodluck in affording that new car!

Singapore banks can help with your loan. They give you a small interest rate. You can search online what banks offer loans. You can compare them now. There are some sites that lets you compare the loans of banks that are can make you at ease, You just need to make sure that your salary income meets there requirement.

You can apply for a renovation loan. The loan amount that you can get is between SG$10,000 up to SG$30,000. The interest rate that can range from 3 to 6 percent depends on the loan provider. You should pay the loan for about one to five years. It is also an advantage to applying for a renovation loan for your property than to apply for a personal loan because it has lower rates than the latter.

Not only in Singapore but all over the world, people tend to get loans from banks or from other agencies to be able to purchase a car. There are incidents when you are paying for the bills in your car, you lost your receipt and the loaner tells you that you did not pay the bill. It is a must to keep your receipt as evidence to your situation.

It is a good thing that you are taking an interest in investing money on your insurance. There are not 1, not 2, but over 20 different types of insurance. The most common tupes are Life, Health and Travel Insurance but there are also Home, Child, Maid, Car, Pet and Personal accident insurance as well.

If your insurance company tells you that you are not required to pay for co-pay then it just means that you are not required to. You should try telling the doctor's billing department because in most cases, the doctor's are not informed about this. Once you've consulted with the billing department they should reinburse the money that you've used.

Personal accident insurance pays you either a lump sum or reimbursements for out-of-pocket expenses in case of injury, disability or death resulting from an accident. Unlike medical insurance, the premiums are fixed, and you do not need to undergo any medical examination before the policy is incepted. The basic coverage are accidental death and or disability, children and medical reinbursement.

Based on your information, you are definitely eligible. The eligibility for personal accident insurace are first you have to reside in Singapre, two, you have to be a citizen of Singapore, a permanent resident or a pas holder, and lastly, you must be between 16-70 years old. This plan is also renewable upto the age of 75.

Sad to say that people with hazardous occupations or people with occupations that are prone to accidents are declined by the insurance companies. Examples of these occupations are construction workers, fire fighters, police, military, divers pilots, aire crews, ship breakers, ship crew, and more alike.

No there is no possible outcome that the insurance company will or will be able to give you such a punishment as that that insurance companies are not given that form of power especially in issuing such moves such as sueing an individual for the inability of payment but the insurance agreement that was agreed upon maybe voided if not enough funds are present in the account of the client

I just passed by and from my knowing, I don’t think you'd be able to claim the insurance that you have been spending on especially for wants that is most likely out of the question, most insurance companies only release the money that you have been investing on only when you've been injured, deceased or in dire need of help

Get out of that agreement with your co worker immediately since an insurance company does not possess the power to ever sue you, nor apply any accusation towards you regarding that matter. The insurance company is probably not legitimate. Wishing you the best of luck!

Singapore has been known to have the safest banks in the world. According to an article published in 2019 by Global finance, DBS bank holds the title for the safest bank in Asia for 11 consecutive years and the 15th safest bank in the world. DBS bank has also been recognized by Euromoney as the "Worlds Best Bank"

Contact your Bank for a request of replacement. Explain to them what happened to your card. You'll be paying fees for the replacement. You can contact them through landline. You can also contact them via online or SMS. You can also visit your bank for faster transactions. Some banks offer free replacement cards.

Singapore has one of the top securest banks in the world. You can guarantee that if you have been hacked or fraud, The bank will ensure to help you in your case. The reputation of the bank is on the line here so they will be willing to help you in that. Before inputing your information (username and password) on the site, check if it is real. If it is an app, you can check the ratings and the creator of the app is really the bank/company.

Singapore has one of the top securest banks in the world. If your card got lost, contact them or call the banks immediately to hold your account. They can even trace where it was last used. With the small country of singapore, it is not that hard to find something that is lost. You can ask for the assitacne of others

Banks are the safest place to keep your money. But from time to time some banks experience bankruptcy. Most banks are FDIC secured. If your bank is under the FDIC your money is safe that is upto $250,000.

People who tend to get sick and has an illness that requires a medical care are being hospitalized. But some of them wants to stay home and being treated there. Some hospitals offers outpatient services. They bring their equipment to your house to treat you there. Sometimes you can also avail a private nurse or doctor with it. The price of outpatiend is different from the patient inside the hospital. You can pay them cash or by using your debit card through the hospital before the service.

Debit cards are an alternative for cash. It is a plastic card that is issued by the bank allowing the cardholder to transfer their money electronically to another bank account when making a purchase. So it depends on the medical store that you will be going to if they accept card payments, but usually a lot of stores today allow usage of cards as payment.

Buying repossessed items is not an illegal thing to do. Most of the repossessed items have enough documents that support the item. Selling repossesssed items is mostly done by the banks. But other people can also do that if someone loaned from them and have documents. Yes you can buy those items from the seller, you can also use your debit card to pay for the items.

Since you already filed for bankruptcy, you have nothing to worry about. One of the benefits of filing for bankruptcy is that creditors cannot sue you because they are banned from commencing legal proceedings against you to recover debts incurred before bankruptcym after the making of the Bankruptcy Order.

As long as you are able to pay your credit balance as soon as possible, I don't see the harm in paying of a loan with your credit cards, since it would obviously be better for you to pay the loan that you had before, since every month it will increase in interest and would cost more, while the credit card that you posses only needs to be paid monthly and will be unaccesible only if you exceed the credit limit but mind you, as long as it remains unpaid credit can also increase in interest so exercise this with caution

First of all, loan sharks are illegal loaners that the government does not recognize. It is illegal to lend money without a license. If the loan sharks loan lent you the money in a illegal matter, the loan shark has no legal right to collect it and they can't take you to court to get it back. Some loan sharks will threaten you by saying you will be prosecuted and even sent to prison if you don't pay up. This can not happen, an unauthorised lender such as a loan shark has no legal right to recover the debt.

You can immediately report to the authority a potential loan shark given that they gave you a higher interest rate above than legal. Any debtee that threatens or uses violence to collect debt may be reported to the police, illegal or legal, as it against the law. Your failure to pay the debt is not a criminal offense given that you are willing to pay but lacks time.

A law exists in Singapore that is strictly states that certainty and completeness (Ch 08 Law of Contract) must be present in a contract before being agreed upon. Given that you and the company have agreed upon a specific time, they cannot and must not forced you to pay other than before or on the exact day of due date. Hence, if not followed or attended, the other party may file a civil suit for a breach of contract.

After filing the Debtor’s Bankruptcy Application and the Affidavit in Support of Debtor’s Bankruptcy Application and the procedures done, there is a 21-day allotment required to instruct the bankcrupt by the Official Assignee of his responsibilities and state his liabilities and assets. His monthly contribution plan will be discussed as well with the Official Assignee.

The family, including his wife (unless they have joint accounts) and sons, will not be inheriting the debts that your uncle left them. The debts of your uncle will be payable out of his estate. The executor responsible will then proceed to sell off investments and withdraw the money left in the deceased's bank accounts to pay off his debts. After settling the debts, is the time when the executor will distribute the remaining assets according to the instructions of the deceased’s will.

Unfortunately, you can't hastily go to the police since you have a private settlement and agreement. Personal loan cases or debt cases are considered to be civil case and not a criminal case so the police cannot take action of the said circumstance. Given the situation, you might want to ask him personally.

Filing for bankruptcy will give you a fresh start to your business and remove you from all the payment needed from that business of yours but ofcourse possesion and benefits from that small business will be voided will no longer be in your hands instead it may be either sold to some other individual who is willing to pay the debts or completely stopped from existing though that may not always be the case but there is still a better chance of it being sold instead, anyway you will be able to make a fresh start but without the investment money of course, you are just given the ability to avoid paying the debts that come along with the business, filing for bankruptcy doesn't always work out it mainly involves how much money it is in debt with and how big the money that was invested in it

As soon as you have the mind to know the value of money, save it. Don't just keep spending on things that you want. You should always have savings so that what ever happens you can have an emergency money. Your parents are not always there to be with you and still give you your medicines. So never forget to save some money.

A medical savings account is present Singapore which aims to provide a tax-advantaged savings account and provide both an investment and health coverage. It provides a fund for medical expenses, or if not, is an investment for future use for medicine. Additionally, it will allow a person to meet future personal or immediate family's hospitalization, day surgery and for certain outpatient expenses.

It is a safe thing to open a bank account and open your own savings account. Not everyone has a savings account. There are times that you need to pay something online or to someone, most of the banks have an online application and has features that you can send money to their accounts or to their banks (fees may be applied)

All banks have a savings account. It does not matter if you are handicapped or an oridinary person. You can easily open a bank account here in Singapore, and open savings account. You just need to sumbit the requirements that they need. Most of the banks here in Singapore are recognized abroad so you do not need to worry about it.

If you have someones debit card or credit card that is being used by other persons, you should give an authorization to those people before they use it. Some stores needs a proof of authorization before using it. It is more applicable if the owner of the card is the one to use it even though he or she is a relative or a someone close

When withdrawing money, make sure that the ATM machine is real and not a fake one. There are cases where the machines are faulty and gives the wrong amount of money that you are withdrawing. Sometimes it gives you more than what you punched in or sometimes it is less than what you punched. Always make sure too count your money first before leaving the machine. Always check you receipt if the money that has been deducted to you account is correct if not, call to the banks hotline number to report the incident and help you get your money back.

There are some cases when you just opened a bank account and had a savings account, the bank under goes bankruptcy and you cannot access to banks anymore. Do not worry, your money is still safe and will not liquidate like the bank. Your money is insured by the government and by the legal rights you can withdraw your money to them/

You need to understand what garnishment means and how it works. The creditors won your case and the court orders your employer to withhold a part of your paycheck. Next is to know your right in this situation. Your employer can not just take money from your salary. Follow all the process and pay your debt to lessen your problems.

Singapore is a small country that is also progressive when it comes to the economy. There are many people who are handicapped at the same time working. Even they are handicapped, they are also given taxes. Remember that even when you but food and other things, tax is applied. Those who are PWD's can get discounts, still depending on the stores' policy

When you are loaning at the banks, they break you down the percentage of how much you will loan and how much interest will be added to it. For example, when you are loaning for a car, it can take up to seven years of payment with 12% interest. Of course you are acquiring a product and every product have its taxes. When you loan to other companies the interest rate is different from the bank.

A debtor can voluntarily file for bankruptcy in Singapore if they owe and cannot repay debts of at least S$15,000. If the debtor is declared bankrupt, their assets will be sold and the proceeds put into a bankruptcy estate. This excludes any assets that are protected from bankruptcy, such as HDB flats.

To be honest, if this was reported, the both of you will face aproblem; The taxpayer for being dishonest and asking for more which is basically used the victims disadvantage at the situation while the victim for having outdated record book. It can actually be the cause for the possible forced shutdown of the company.

Although it is nice to have a person who will be in charge of the notice, if you are going to think about it, you have a variety of choices. There is social media nowadays that can be used as a platform to communicate with the ones in debt. It will also be less hassle to use social media, plus you do not need to pay someone to do some tasks for you. But if the middleman you're going to use is someone that you trust so much, then it is still up to you.

Singapore follows a progressive resident tax rate starting at 0% and ending at 22% above S$320,000. There is no capital gain or inheritance tax. Individuals are taxed only on the income earned in Singapore. The income earned by individuals while working overseas is not subject to taxation barring a few exceptions. If the company is not doing the right tax deduction you can report them to the IRAS.

You are definitely eligible to file for a bankruptcy. As long as you have a debt of S$15,000 or more, you can voluntarily file for a bankruptcy in Singapore. Alternatively, your creditors can also take action and file to make you bankrupt if they don't think that you would be able to pay the debt that you owe them.

First, if you are declared as bankrupt then all your assets except those that are protected from bankruptcy,such as HBD flats would be sold and the proceeds would be placed in the bankruptcy estate. SecondThe property sold to the bankruptcy estate cannot be used to pay off your target contributions.

Typically, the cour assigns an Official Asignee to manage the bankruptcy estate so that your assets would be administered and distributed as fairly as possible among the creditors but the bankruptcy estate can be managed by a private trustee who can either be an accountant or a lawyer. If you are emplyed, you have to make a monthly contribution that is paid to your bankruptcy estate which would go towards fulfilling a target contribution that is decided by the Official Asignee.

A good question indeed. Given your current situation, it is highly recommended that you file for bankruptcy so that your debt would stop accumulating and your monthly repayments would be lower. After the making of the Bankruptcy order, your creditors cannot charge interest for the principal sum that you owe them and unlike before, your Official Assignee will decide a suitable amount of monthly contribution that you willhave to make after taking into account what you need for yourself and your family.

It would be better if you to self-declare bankruptcy yourself instead of waiting for creditors to sue you because the interesst on your debt might continue to increase while you are waiting. It doesn;t matter who files for bankruptcy because the cost of bankruptcy application deposit will likely be borne by you as the debtor.

You need to remember that you need to be domiciled in Singapore, own a property, has been ordinarily a citizen for a year, have a place of residence for at least a year and have carried on business in Singapore for at least a year. You must also owe at least S$15,000 where the debt is payable immediately and enforceable in Singapore, but you are unable to pay the debt.

There is a fee for filing bankruptcy Any creditor or debtor who wishes to file for bankruptcy must pay a deposit of S$1,850 to the Official Assignee to administer the debtor's estate. If you hire a lawyer to help you file for bankruptcy, the lawyer will charge professional fees on top of the deposit amount.

Since you're already declare as a bankrupt there are simple steps that you need to do to get started. You are required to head to the Official Assignee's office to be briefed on your responsibilities as a bankrupt and to submit a Statement of Affairs recording your assets and liabilities to the Official Assignee within 21 days of the Bankruptcy Order. After, you and the officers of the Official Assignee will discuss your monthly contribution plan.

Service and sales workers have the highest vacancy rate in Singapore. As the population grows, more and more commercial services ar ein demand. Next in line are Associate Professionals and Technicians, and Cleaners, Laborers and retail staff. These combined make up 13,000 vacanciies in Singapore which gives many opportunities to those who are in need of work.

First step is to check your eligibility to work in Singapore. Choose a thriving industry. You need to understand the common employment practices in Singapore. Search for a job online or meet with an employment agency. Meet people and communicate with them. Apply for a working visa and get ready to move.

Before getting into an exhaustive job search, it’s a good idea to make sure you’re eligible to work in Singapore. There’re a few different kinds of permits based on your qualifications. The Ministry of Manpower in Singapore has published an online self assessment tool, SmArT, to gauge your likelihood of eligibility.

You need to gather information on salaries, skill training, leaves of absence, holidays, hours, contracts, and much more. The Ministry of Manpower has a comprehensive list of employment resources to help you get an understanding of what working in Singapore will actually be like.These are useful information that you need to keep in mind when working in Singapre for you to be aware of your benefits and limitations

If you’re an experienced professional earning at least 3,600 SGD a month, then your employer can apply on your behalf for an Employment Pass. An alternative for ‘mid-skilled’ workers, earning at least 2,200 SGD a month, is the S Pass. If this is a suitable visa type for you, your employer will have to make an application on your behalf.

There are 4 types of visa in Singapore. The first one is Employment Pass for professionals earning at least S$3300. The second one is EntrePass for entrepreneurs looking to start their business in Singapore. The third one is Personalized Employment Pass only given to high earners already holding an employment pass, but offering huge flexibility in employment terms and eligible industries and lastly, S Pass the most common visa type for typical foreign workers, provided to mid-tier professionals earning at least S$2200 a month.

The Employment Act is Singapore's main labour law. It provides for the basic terms and working conditions for all types of employees, with some exceptions. All employees under a contract of service with an employer are covered, however, you are not covered if you are employed as a:Seafarer Domestic worker andStatutory board employee or civil servant. Workright conducts annual education campaigns through media publicity and on-ground roadshows in the heartlands. Workright inspectors also conduct workplace visits to ensure employers comply with employment laws.

For common work arrangements, your contractual hours of work are as follows: If you work 5 days or less a week your contractu al hours of work are Up to 9 hours per day or 44 hours a week and if you work more than 5 days a week your contractual hours of work are up to 8 hours a day or 44 hours a week. For other work arrangements, your contractual hours of work are as follows: If youwork less than 44 hours every alternate week your contractual hours of work are up to 48 hours a week, but capped at 88 hours in any continuous 2-week period. If you work shifts of up to 12 hours a day your contractual hours of work are uto an average of 44 hours over a continuous 3-week period..Overtime work is all work in excess of the normal hours of work (excluding breaks).You can claim overtime if you are:a non-workman earning up to $2,600.or a workman earning up to $4,500.

I think the biggest benefit is the low tax rate. Singapore has some of the lowest personal and corporate income tax rates in the world.

Aside from being ranked the best place to start a business by the World Bank in 2019, singapore is also ranked the second most open economy in the world. Singapore has low tax, good government and minimal corruption. Singapore also has a strategically bsuperior location with good access to key SEA markets.

At least one Singapore resident must be appointed as the director of the company. Singapore companies are allowed to have 100% local or foreign ownership. New shares can be issued or existing shares can be transferred to another person after the company has gone through the incorporation process. There are no capital gains or dividend taxes on Singapore companies. The procedures for company registration is fully computerised by ACRA (the Accounting and Corporate Regulatory Authority) in Singapore. Usually, a company can be incorporated in 1-2 days.

There are two main types of companies in Singapore.. The first one is the public company which is listed on the Singapore Exchange and typically has more than 50 Employees. The second one is the private company which are not listed on the Singapore Exchange and can only have a maximum of 50 employees. For private companies there are a few different set-up options: Sole Proprietorship, Partnerships, and Private Limited Companies.

The first one is Sole Proprietorship where an individual who starts up a business, Partnerships whre two or more persons (up to 20) who create a company. Has Limited and Limited Liability versions and Private Limited Companies where the company is an entity separate to the shareholders who aren’t personally liable for any debts incurred. A public company just needs to register itself to the Singapore Exchange.

Singapore has many partners, suppliers and employees operating in SEA and even in other continents. Video conferencing helps you make faster decisions compared to just talking to one person over the phone or communicating through e-mail. Video conferencing also gives you a chance to see eachother wile talking which means you would see each others body language resulting in a more productive discussion and video conferencing is cost efficient and would help the business cut unnecessary travel expenses. There are endless reasons to why video conferencing is good for the business but main reasons are as stated above.

Time is money in any kind of business. It is important that a business has fluidity and everyone involved must be reachable anytime, anywhere and at anyway. You need to look for one that is programmed for every platform and dvicw. High Definitin Video quality is also important and must consume less bandwidth as possible. Easy access to video recording and transcriptions are also necessary for various reasons.

It is definitely possible to start a small business usign your SmartPhone. Communication has been made easier with different applications, transactions and paymens can be done online, bluetooth keyboards can be used to send longer and detailed messages when necessary, credit card readers are now also available and cloud-applications can help business owners create, edit and post contents and ideas using their SmartPhone. There are many possibilities using your SmartPhones and it is just upto the user to explore and fully utilize it's capacity.

There are a few ways of handling this, either you can open up a package immediately and check for damages so that you can give the package back to the delivery service so that they may contact the seller on the matter, or you can go contact the company responsible for selling the merchandise, these contact infos are usually present in the website or fan page, they usually take it back and provide you with another model but it will probably take some time to do so

The use of the word “accidentally” ]which is always a fun word for lawyers. It’s possible, if the amount were great enough and the company decided to sue you over it, that if the situation were truly an accident, and not a negligent or reckless act, that a court would find no liability, this is because tort law is predicated on intent, generally speaking. Even negligence requires more than a mere “accident” — it requires a duty, a breach of that duty, and damages.

You have to contact the store to let them know that you want a refund. Give what documents or proofs that they are looking for. Next is to provide your credit card details, then sign the required documents. After it is settled, the refund may take five working days, depending on the terms and conditions of the bank.

When people do shopping, they usually look for promotions, discount and sales. But there are a lot more cheaper places to find the stuffs you need. There are online stores that have a cheaper price at the same quality. Some stores have physical stores and even online stores for them to easily contact. If you are looking for good rebates, when for the huge sales that offer a lot promotions and other more.

Technology and financial advancement in Singapore is present. Thus, credit cards are widely used and accepted. There are various ATMs that you could apply, depending on the expenditures you have monthly you can save a lot of money just by choosing a right credit card. Find the most suitable credit card for you, based on your priorities and expenditures.

An article was released last 2016 that every person with a disability and their company is given a free entrance to particular tourist spots and museums in Singapore. There will also be assistance of inflight safety video available in sign language in the Singapore airline. An ensured travel will be presented to a person with disability given that they are prioritized.

There are tourist attractions that offer special discounts to caregiver and free admission for PWDs. These include some attractions on Sentosa, the 4 Wildlife Parks, Garden By The Bay, Wild Wild Wet, etc. However, PWDs must show their DDR ID - Development Disability Registry ID card. Free admission applies to the first caregiver, regardless of nationality, who accompanies a Singaporean, permanent resident or foreigner with disabilities.

Under the Lemon Law in Singapore, which falls under the Consumer Protection (Fair Trading) Act, buyers can make a claim for a defective product within six months of purchase. Consumers can request for repair, replacement, reduction in price or a refund, says Seng Choon, adding that the law applies to goods and services sold online by a registered Singapore company.

You can avail the medical credit cards that offers in Singapore. Availing the Medical Credit Card with your credit card can will help you to use your credit card for your plastic surgeries. You can also use the medical cards for other medical stuffs. Ofcourse their is a limit for using the medical card. By using this, it affects your credit.

You can apply a medical credit card to help you with your medical expenses. This medical credit card requires a credit check. This credit card is limited to your medical services only. This is not like a retail credit card that you can use for groceries, shopping, paying other bills, etc. Next time, drive safely to avoid some accidents like this.

One must immediately go to a doctor if the symptoms you just told us is present since some symptoms may not be seen instantly but given the situation you are in, you could still go to the nearest clinic. Yet for your referral, one is considered having a dengue if experiencing fever, headache, body aches, and sometimes rash spreading from the trunk. If not all is visible to you, we can say you are just having a flu or other illness other than dengue.

Persons with Disabilities (PWDs) in Singapore has what they call 'Purple Parade', it a list of fun activities and discounts in Singapore for PWDs and their caregivers can enjoy. Other benefits are 25% discount on public transport, car park labels for PWDs, taxi subsidy scheme, and lastly is disabled persons scheme ,it is a means-tested scheme that supports Singapore Citizens with permanent physical disabilities who are unable to use public transport (i.e. bus and/or MRT).

Being an outpatient is an option espetially when you are a busy person. It depends on your schedule and the doctors diagnosis to you. You should always ask the doctor for better a advice in your current situation. The doctor can tell what to do and what not to do. They are the ones who can asses your illness.

Having your first surgery is quite terrifying because you do not know what you should do as a patient. There are a lot pre cautions that you should know before undergoing this surgeries. Depending on the surgery that you will be facing, the doctor will tell you on what things you should and should not do before this surgery.

For new vaccines and medicines that needs to be applied to the young people in the country, the World Health Organization (WHO) must first confirm this product before going to the young ones. If it is approved by them, it is likely to require those people who needs to be vaccinated by this new product for a healthy future.

When someone is sick, you should get medicines to get rid of the illness that they have. Some people uses herbal medicines to cure the illness that they are having. Some people do not trust these herbal medicines. Most of the herbal medicines that people do are recognized by the medical field experts. It can sometimes be more effective than the usual medicines that we have.

I for one strongly urge you to avoid watching those kinds of films especially movies that aren't based on any real life stories, plane crashes and accidents don't really occur as much as you'd think and there are times that it's just your mind imagining things that are less likely to happen, I'm a flight attendant and I've been working for a few years now, and I can reassure you that planes are definitely safe.

Always confirm the company/agency/airport if the sale is real. If you had been fraud, report your case to airport and report them to the authorities of the law. In Singapore, they guarantee your safety. Even though they only have few cases of that. You should never give your information to random persons without assuring that they are real.

Bank can only covered expenses if you already on travel. In your case, you are just in the process to go on a travel and it is the bank that has nothing to do with the expenses. But, you can check the history of your transaction to track the owner of the account where you deposit your payment. It is the best what the bank can do for you. To avoid this kind of problem, you should research the agencies that you contact. Many people now are posting their experiences on this kind of matter. Select an agency that has good reviews.

When going abroad, or on a business trip, we always have our luggage for our needs. We always carry or have our essentials by our side. There are some cases that our luggages gets damaged or even lost. You can get your compensation from the airline that you travelled with or with the travel insurance you have. If you want to claim a compensation for damage, write a report to the airlines within seven days.

If you are business person or who likes to travel a lot. It is recommendable to find your own travel agency to partner with. But there a lot of agencies out there. If you are working for a company, you can ask your co-workers what is the companies travel agency partner. You can also ask your close friends and relatives who likes to travel to help you with that.

Avoid travel for at least a month after surgery. Move as much as possible during the trip. It is generally recommended to wait four to six weeks to fly after any lower limb surgery. If you're traveling by plane, bus or train, stand, stretch and walk down the aisles. During car trips, take a break to walk and stretch at least every three to four hours

There are people that are born handicapped or disabled. They are called PWD (Persons With Disability) They are disabled persons but they can still go out country. They have more privileges than us, normal people. They can aqcuire discounts, some times free stuffs. They are like senior citizens who are prioritized.

There are a lot of places you can go around the world. When you are just a beginner in vlogging, there is a chance that you are not gonna earn money because being a vlogger that earns money must achieve the minimum requirement in the social media before receiving the money. You can vlog for fun but do expect to receive money

So here's an Idea you have to understand that not every person you meet will be the same person as the last, not everyone does that and not everyone will take advantage of you. Trust is definitely important in any given aspect of a relationship, yes I know it sounds hard to do that after all the pain and hurt but you have to be vunerable and take risks if you actually want to find someone worth it.

When starting a business, there are a lot of requirements that you need to be able to have a successful business. If you are lacking some people, you can post ads. If you need something you can also post ads. But if a lot of people are interested in your ad, you can background check them to ensure the security of your business and yourself.

A Community Disputes Resolution Tribunal (CDRT) is present in order to resolve issues or disputes between neighborhood and you can appeal your concern to them. Given your circumstance is the now oppportunity that you ask them for assistance. They could help you decide of what to do with them and arrange agreements to your neighbor.

The Community Justice and Tribunals System (CJTS) could help you make amends of your properties that have been damaged. They could make your neighbor pay the damaged tools or lost supplies in your backyard. They could also impose injunction to prevent the repetition of the said damage and deeds and apology could be obliged to be done.

Singapore’s statutory laws that regulate repossession can be found in the relevant sections of the Hire-Purchase Act. This states the rules that both parties must follow and adhere to. Upon repossession, you must inform your friend of the details of repossession. When you repossessed the car, you must allot 7 business days for you to resell it to others and allow your friend to pay his arrears. After this, it is up to your friend if he will respond accordingly about his intention, if he will pay and request for the return of the repossessed car or respond nothing and allow you to sell it to others.

If you start a business in Singapore, you will want the law of Singapore to “govern” any contract you sign. That means that Singapore law will be used as the framework to decide any dispute you have about your contract. The governing law is used to determine whether the contract is valid and, if so, what rights each party has under the contract, what defense they have and what legal remedies are available to the wronged party.

There are a lot of loaners out there that are not being acknowledge because they are just minor loaners or just a lend from a friend. But there are cases where even though they are your friends. They are charging you a percent that is more than the company loaners offer. They are called loan sharks. Being a loan shark is illegal. Loan sharks cannot file a complaint against you. If you are being threatened by those people. You can report to the police to help you with that.

If you had a major accident, there is a chance that you are not fully recovered. It can affect your carrer and also your lifestyle. If your past job cannot be proceed due to your situation, it is morelikely for you to find another job. There are a lot of jobs that you can get here in Singapore that might interest you.

That is definitely a scam, honestly no doctor in the right mind would diagnose a patient without even checking for blood pressure or without any use of equipment, this just sounds to me like the doctor you encountered was just taking a wild guest and is only doing this for his own benefit, so you'd buy expensive medication for him to earn a huge amount of money, my advice to you would to definitely consider reporting him and getting out of there.

The medical procedures that is needed must be explained specifically to their patient before being done. As well as the medicine they need to take before prescribed to them. One must report the particular doctor to take action of the said con and must immediately leave the doctor so there will be no prolong incorrect medications to be given

You should initially raise your concern with the specific healthcare provider ie person dealing with your case. A simple misunderstanding may have arisen which can be easily resolved. You may find that your question or complaint can be satisfied in this way, informally. However, if this is not possible, you can ask for the issue to be considered as an official complaint.

People tend to get sick and go to the doctor as soon as possible. Some doctors are professionals in their field but can have misdiagnosed the patients. If the misdiagnose keeps on repeating, you can report them to the hospital that they are in. If your illness is as generic as the other, it can really cause a misdiagnosis.

Scams do not only occur in Singapore, most of the time they are being scammed online that came from foreign countries. There are cases when you are being scammed in person by the dealer you have talked to. When you are scammed, report immediately to the police on what happened to you. Once the report is sumbitted the authorities will do their best to help you. If the scammer gets caught. You can reposses the things that have been taken away from you.

There are a lot of nw medicines today that have not been recognized by the world health organization. Selling drugs that is not yet approved by the authorities is against the law. If the pharmacist gave you a medicine that the doctor does not prescribed. Go back to the doctor for another medicine.

Fraudulent activity and scamming is one of the most common cases the government is trying to prevent. Since they do it in an inappropriate manner and did fool someone intentionally, it is therefore considered as crime. Scammers also violated laws which are related to fraudulent and scamming. Considering all that is happening in the country, it is better to not be blinded by money because if ever she will get away with this case, she might do it to others again.

Since they broke your trust, they should get what they deserve. It is possible to file two lawsuit against one depending on the laws they have violated. Since there are two violations; first the accident and then scam/ fraud. Make sure to collect all the necessary evidences to make sure that you will win the case.

With that pensioners can get minimum of INR 25,000 and maximum of 5 Lakhs or 18 times of the monthly pension. There are no processing fees charged and no margin required for getting this pensioner personal loan. The loaners can repay the loan with maximum of 60 EMIs. Guaranteed with it's employer.

There is a medical help given by the government that could provide the necessary medications and basic financial protection. In Singapore, the government offers various financial aid that could support their people specially the retired professionals and disabled persons. The future of the people in Singapore is indeed secured by their government.

When people are retired they tend to relax, go on a vacation or even just spend money. They do not expect to be sick. In the situations of this security guard, he has cancer. Not everyone is diagnosed with this. It is not just a simple illness that can be cured with antibiotics. It should be treated properly. If you have insurance your insurance can cover your expenses. If the contract from your formal company has written that you can still use your benefits after you retired, then you can avail that.

Singapore's pension system is one of the oldest and most developed national schemes in Asia. The system rests predominantly on one pillar: the Central Provident Fund, which provides for most social security functions. The Supplementary Retirement Scheme, a voluntary private pension scheme without employer involvement that enjoys tax advantages, completes Singapore's pension landscape.

Singapore has a lot of workers that strives to do their jobs well at the same time earn a lot of money. But at in a certain age you will retire from your work. Accordin with the Retirement and Re-employment Act (RRA), the minimum retirement age is 62 years. Your company cannot ask you to retire before that age.

You can immediately report to the authority a potential loan shark given that they gave you a higher interest rate above than legal. Any debtee that threatens or uses violence to collect debt may be reported to the police, illegal or legal, as it against the law. Your failure to pay the debt is not a criminal offense given that you are willing to pay but lacks time.

People comes to a point where they need to retire. In Singapore the retiring age is 62 years of age. They cannot retire at an early age. When you are working, you are depositing on a company that holds your money for your retirement funds. It is mostly recognized by the government. There is no need to worry when it comes to retirement. The government will help you with that

There are retirement benefits everyone should be receiving after retirement. And if this benefits were not given, a lawsuit can be filed since it is against the law. It is mandatory to give retirement benefits to the employees if the contract they signed includes this in the benefits they will receive while working in the company.

There are many high paying jobs in Singapore as the economy is very stable. Here are the most paying jobs that you want to consider aiming for in the future. Legal Security, FInancial Manager, Settlement Manager, Digital Marketing Manager, Finance Compliance Manager, Quality Lead or Manager, FinTech Developer, Finance controler, IT Security consultant, Scientific and Regulatory Specialist and more.

There are many universities that you can apply to because most of the Universities in Singapore have high standards. The top 5 universities to mention are Nanyang Technological University, National University of Singapore, Management Development of Singapore, National University of Singapore Business School, and Singapore University of Technology and Design.

One of the to courses is Engineering because it ranks one of the highest when it comes to returns in investments. It is also in demand because of Singapore's growing infrastructures. Humanities andSocial Science rank just second behind Engineering. Naturall and Mathematical science ranks next to this because businesses are growing therefore managing finances are also important.

You are responsible for what you do with your capabilities, if you let others copy from you I strongly urge you to avoid these kinds of people, they're just using you, friends don't usually pull each other down and believe me what their doing will cause you your future, especially if you get caught for plagiarism and fraud. I can honestly tell you that they are just probably using you for what you can offer, don't worry there will be more people who will come but avoid these kinds of people at all costs.

You can ask around your college for special scholarships, it doesn't necessarily need to be grade based if your lacking in that department, usually they offer part time jobs as librarians or professor assistants and if in case you do have good grades you can apply for scholarships that mark down the enrollment fees, if the college does not offer any of these services then your best bet can be a promissory note to the cashier of the college since you'd have more time to come up with the money, I hope you graduate on time.

Borrow money to the bank/company you are working for, They can give you assitance on with your financial stability or they can even have a scholarship for the kid. Companies do fund raising for thos who are unfortunate in life and helps you to become a successful person. They believe that you can do something more and help your country to improve. Immediately change your PIN number to prevent them from doing more damage

In present times, students does not only study in their school but also they work to have extra income or probably to support themselves. There are a lot of working students in todays situation, you can get scholarships even though you are a working student. There are a lot of scholarships that you can get from the government and even from local agencies. You can choose which are suitable for you.

There are various schools that offer education for special people. This include their specialized curriculum that will help each student cope up with their own pace and learn despite their circumstance. The curriculum aims to enhance their mental capacity, their physical skills, motor skills and social skills. The schools can be seen online including their specific offers.