The Credit Bureau Singapore (CBS) and the Moneylenders Credit Bureau (MLCB), collects and manages consumer credit data. They give each Singapore consumer a credit score that indicates how likely you are to default on your debts. Your credit score is important and will follow you throughout your life, playing a critical role in a lender's decision when offering or at times denying you credit. You can find your credit score for free by going to Credit Bureau Singapore and requesting a report of your credit history. The score will range between 1,000 and 2,000 and come with a letter grade (i.e. AA or HH). Those who fall below 1,723 are classified under the lowest grade and are considered a bad credit score. Credit Score Risk grade Probability of Default 1911-2000 AA Min 0.00 per cent, Max 0.27 per cent 1844-1910 BB Min 0.27 per cent, Max 0.67 per cent 1825-1843 CC Min 0.67 per cent, Max 0.88 per cent 1813-1824 DD Min 0.88 per cent, Max 1.03 ... » Learn More about Denied a personal loan? How to improve your credit score now
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FILE PHOTO: A vendor at Pritil Public Market gets a free swab test amid the coronavirus disease (COVID-19) outbreak, in Tondo, Manila, Philippines, October 8, 2020. REUTERS/Eloisa Lopez MANILA, Philippines — Nationwide fresh cases of COVID-19 increased by 12 percent in the recent week as more regions see positive growth rates of coronavirus infections, data from the Department of Health (DOH) on Friday showed. Health Undersecretary Maria Rosario Vergeire said the DOH recorded an average of 5,666 new COVID-19 cases from July 16 to 22, higher than the 5,040 average daily cases from July 9 to 15. The rise of new cases in the recent week was a reversal from the decline of national cases in the previous weeks. According to DOH, an average of 5,329 cases were reported from July 2 to 8, and 5,732 from June 25 to July 1. The country saw its peak of COVID-19 infections from April 9 to 15 when an average of 10,845 cases was recorded. “National cases increased in the recent week,” ... » Learn More about COVID-19 cases increase by 12% as more regions register rising infections
Being your own boss is undoubtedly exciting. However, I would liken starting your own business full-time without preparing financially would be like jumping out of a plane without a parachute. Sure, you might survive the fall . But, it would be very painful and can leave you with regrets. If you are seriously considering quitting your nine to six job to pursue a full-time entrepreneurial career it is vital to getting prepared financially. This will take the financial pressure off so that you can fully concentrate on making your business a success. As such, here are four tips to help you prepare financially before you start a business. TL;DR: How to get financially ready to become your own boss 1. Figure out your budget and optimise it There’s no doubt about it. Starting your own full-time business is a huge move as you will have to be completely responsible for your own financial future . As a salaried employee with a regular paycheck, there is a chance that you ... » Learn More about Are you financially ready to be your own boss?
SINGAPORE: Differentiated measures for people who are fully vaccinated, the Jurong Fishery Port cluster and the Sinovac vaccine were among the topics raised by Members of Parliament (MPs) on Monday (Jul 26). Their questions followed a series of ministerial statements given by the three co-chairs of the COVID-19 multi-ministry task force - Health Minister Ong Ye Kung, Finance Minister Lawrence Wong and Minister for Trade and Finance Gan Kim Yong - as well as Home Affairs and Law Minister K Shanmugam. The three co-chairs of the task force had said that nearly all social and workplace restrictions could be lifted as vaccination coverage in Singapore increases. The Government will review some COVID-19 restrictions early next month, but any easing of measures will be only for those who are fully vaccinated, as they are “much better protected” against the virus, said Mr Wong in his speech. During the debate following the ministerial statements, Leader of the Opposition Pritam ... » Learn More about MPs raise questions on Jurong Fishery Port, Sinovac, differentiated measures for fully vaccinated people
MANILA, Philippines — The Philippines has bucked the trend of a steady global decline in HIV cases, becoming the country with the “fastest growing epidemic” of the dreaded disease, according to the Joint United Nations Program on HIV/AIDS (UNAIDS). A UNAIDS study found that from 2010 to 2018, the Philippines saw new HIV (human immunodeficiency virus) infections grow by 203 percent, when cases worldwide had declined by at least 18 percent. Only two other countries in the Asia-Pacific region registered an increase in HIV cases. Pakistan posted a jump of 57 percent, and Malaysia, 4 percent. Vietnam and Thailand had significant drops in HIV cases—64 percent and 59 percent, respectively. While the total number of HIV cases in the Philippines is “still very low” compared with those in African countries where cases run in the hundreds of thousands, its growth rate is the “fastest” in the world, UNAIDS country director Louie Ocampo said in a forum on Monday. In June, the Department ... » Learn More about HIV spread fastest in PH – study
Alternative nicotine delivery systems (ANDS), such as vapes and heated tobacco products (HTPs) are now steadily gaining recognition in the Philippines. MANILA, Philippines — Current strategies to get smokers to drop their habit — including going cold turkey, counseling, and nicotine replacement therapy — have not been very effective, according to Peter Paul Dator, president of The Vapers PH, as quoted in a joint statement issued on Tuesday by various groups advocating safer alternatives to cigarettes. About 15.9 million Filipino adults smoke, with a quit rate of only 4 percent, the statement said, citing the results of the Global Tobacco Survey of 2015, which was conducted by the Department of Health and the Philippine Statistics Authority. The low quit rate is the reason that various groups have continued to promote Tobacco Harm Reduction (THR), a strategy that encourages smokers who are unable or unwilling to quit to switch to smoke-free alternatives — also known as ... » Learn More about Filipinos warming up to better alternatives to cigarettes
AFP Hong Kong, China ● Thu, July 29, 2021 2021-07-29 11:23 0 c78dad32e3af0945bdb46490a828f936 2 Business Asian-market,Stock-markets,global-economy Free Asian markets rose Thursday as the Federal Reserve acknowledged the US recovery was well on track but it would not taper monetary policy just yet, while Hong Kong was lifted after China sought to reassure investors over its latest regulatory crackdown. Traders were also cheered by progress in Washington on President Joe Biden's trillion-dollar infrastructure bill, which he has said could "transform America" and add to the monumental amounts of stimulus already pumped into the world's top economy. The developments overshadowed concerns about the spread of the Delta coronavirus variant that is sending infection rates spiking in several countries -- including those with high vaccination rates -- and forcing some governments to impose lockdowns or other containment measures. After a closely watched ... » Learn More about Asian markets advance after Fed meeting, Hong Kong rebounds
There is a viable argument that all of the consensus top-three prospects in the upcoming 2021 NBA Draft – Cade Cunningham, Jalen Green, and Evan Mobley – are overall first-pick-caliber talents. Insert any one of them in last year’s draft, and none would bat an eye if they were picked over the likes of Anthony Edwards, James Wiseman, and LaMelo Ball. Each of the aforementioned three brings a certain skill set to the table, but Cunningham and Mobley provide none of the of eye-popping athleticism that Green oozes. Search for his highlights on YouTube – from his high school exploits at San Joaquin Memorial and Prolific Prep, to his recent stint with the G League Ignite – and all of them induce the kind of jaw-dropping, head-nodding sense of excitement, the promise of potential, and the raw talent that portends a three-level scoring phenomenon. Measured at 6-feet-5-inches and weighing in at 180 pounds, Green’s wiry frame gives him the profile of a slithery and agile ... » Learn More about A deep dive on NBA prospect Jalen Green, a scorer with limitless potential
Imagine this scene from the near future. Travel corridors have been established between Singapore and select countries. Your partner went for a getaway trip and served a week of home quarantine after returning. You joke that she missed out on a free stay at a five-star hotel, but who cares, you're both looking forward to attending a concert tonight. A real one, with instruments and crowds and overpriced beverages in plastic cups, and the band interacting with the fans. You rock up to the venue a little early, and take a Pre-Event Test (PET), easily done by huffing into a breathalyser . Your partner has a clean bill of health. Unfortunately, you test positive for Covid-19. You're not sure how it happened. Did it happen while you were queuing up for lunch at McDonald's? Or even at the office, the one time you took off your mask for a coffee break? You don't recall having any symptoms, having been fully vaccinated. Anyway, you're not getting into the concert tonight. ... » Learn More about Like it or not, Covid-19 will remain in the days to come. We’ll just have to live with it.
PARLIAMENT is now back in session and MPs are pouring in from all over the country to debate and discuss matters of national import. Of course, it is a special session to discuss the National Recovery Plan (NRP), health measures, vaccination rollout and economic stimulus packages. With parliamentary democracy back in action and vaccination rates outstripping that of most developed countries, including the United States and Japan, we are gradually on our way towards normalcy. Indeed, on the economic front, more and more economic sectors are opening up. However, looking at the dangers of the nefarious Delta variant, many Malaysians remain wary of opening our economy. There has been a lot of criticism on the government’s suggestion to gradually open up economic sectors that are considered “non-essential” in the coming phases of the NRP. However, the demarcation of economic activities into essential and non-essential categories is actually a crude simplification of a more ... » Learn More about Protecting our supply chains