Tuesday, September 25, 2012

Best Singapore Banks And Their Services.

Singapore is the best commerical hub and a placed to offer private banking to those of high personal wealth.As one of the world's largest foreign exchange centers, Singapore offers a natural home to Bank.In every Singapore bank displays all the characteristics which contribute to its continued economic success.

Banks provide numerous financial and personal services.All the retail banking services are available such as credit and debit facilities, mortgages and loans. Beside this they also provide services on estate planning, whereby the value of an individual's estate can be maximized. Income tax advice and other personal tax matters are a part of the financial service provision and securities and assets investments will be a significant factor too. Other services include trustee services, credit and trade finance letters, foreign exchange, fund management, electronic and wire funds transfer, and corporate administration.

List of Banks in Singapore:

Bank of India - Singapore
Provide services in Trade Finance, Loans and Syndications, Forex Covers, Options, Placement of Deposits in major currencies, Twin currency deposit scheme, Remittances and a host of other Banking Products.

OCBC bank Singapore
OCBC bank in Singapore was formed in the year 1932. Three banks merged to form OCBC bank-the Chinese Commercial Bank Limited, the Ho Hong Bank Limited and the Oversea-Chinese Bank Limited.Today they has an asset of 0 billion and operations are conducted in fourteen different countries and territories. OCBC is one of the leading financial services groups in Singapore.

ABN AMRO Singapore
ABN AMRO opened its first Asian office in Jakarta in 1826 to finance business ventures in the Dutch East Indies.They have a clear focus on consumer and commercial clients in local markets and focus globally on financial institutions.

Association of Banks in Singapore (ABS)

It is a non-profit industry body which promotes and represents the interests of the banking community in Singapore. They works closely with the Monetary Authority of Singapore and other government and non-government agencies to support their respective roles in developing and upholding a sound financial system in Singapore.

Other banks in singapore

Barclays Bank PLC
23 Church Street, (S)049481
Landmark Category : Bank
District : Raffles Place

Barclays Capital
60B Orchard Road, (S)238891
Landmark Category : Bank
District : Dhoby Ghaut

Citibank Great World City Investment Center
1 Kim Seng Promenade, (S)237994
Landmark Category : Bank
District : River Valley

Deutsche Bank
991 Alexandra Road, (S)119964
Landmark Category : Bank
District : Telok Blangah

EFG Bank Building
25 North Bridge Road, (S)179104
Landmark Category : Bank
District : City Hall

Saturday, September 22, 2012

Which Is Best An 120Vac Or Central Vacuum for New and Remodeled Houses?

There are items to take into consideration when one is considering purchasing a central vacuum system. One of the deliberations is whether to purchase a system requiring 120 volt power or a system requiring 220 Vac. The actuality is we need to narrow the arena even further. For example there is a 220 Vac system and 240 Vac system . So it is meaningful to know what you are requiring of your local central vacuum contractor.

Motor Differences Between 110 and 220 Variations

The motors are not the same in the 220 and 110 variations of central vacuum systems. The power units are wound differently, the transformer is different, the mini-breakers are different, and the cord and wiring are different. As you can see it is important to specify with your contractor precisely which motor you want.

Differences Between 110/120 And 220/240 Vac

Now and then 120 volts is referred to as 110 volts or 115 volts. Also, 240 volts is referred to as 220 volts or 230 volts. Central vacuum manufacturers assemble motors in all those ranges. The superior choices are the 120 and 240 volt power units, not the 110 or 220 volt units.

The 120 and 240 motors will not be negatively affected if utilized with lower voltages. The 120 volt motor will be fine on 110 volts. And a 240 volt motor will be alright on 220 or 230 volts. The other way around will adversely affect the motors. A 220 volt motor would be "damaged" if utilized for extended amounts of time on a 240 volt circuit. And the same can be said for a 110 volt operating on 120 volts. The bulky voltage operate very well in any variation of 50-60Hz.

Which is Best?

The reply to that question depends on the manufacturer. As an example, MD Manufacturing reveals these facts about their production units. For the most part, their power units have very similar performance numbers between the voltages. Their 120 volt Silent Master S5, for instance has 139 water lift and 191 CFM with a high of 905 Air Watts. The 240 volt version has 136.4 water lift and 190 CFM with a high of 866 Air Watts. These stats are extremely close.

Operating Cost

The cost to operate a 240 volt vacuum unit can conceivably be less than its 120 volt counterpart because legs of the electrical power are being used concurrently. However, the 120 volt version may not be wasting much power if the opposite circuit is being used by lights or other appliances simultaneously. In the worst case scenario, the 120 volt version may cost 12 cents per hour extra to operate. Yes, there is a divergence here, but one must add-up several other considerations.

Cost Of The Electrician

As you presumedly know electricians demand a set fee for each 110-120 dulex they install. Normally it is dictated by a flat fee of around to per outlet depending on the area in which one lives. Wiring in a 220-240 duplex requires tying both 110Vac electrical legs together and special NEPA® plugs. Apparently wiring your central vacuum system for 220-240 Vac will incur added expense. Far more 120 volt power units are sold considering they simply plug into any 20 amp electrical outlets and have lots of vacuuming power.

Power Unit Life Expectancy

They feel that the 120 volt versions of the vacuum power unit will last longer. They have a higher amount of copper and thus the heat has a greater ability to disperse. In addition, 120 volt motors are also much easier to find replacements for as they are popular motors in the industry. The 240 volt version motors are not used very often and vacuum shops aross America do not ordinarily stock them. They would almost always stock 120 volt power units.

Plugged Into The Incorrect Outlet?

What takes place when a 240 volt power unit is mistakenly plugged into 110 and 110 into 240? If you plug a 120 volt power unit into a 240 volt circuit and immediately turn the unit on it will run with a humongous amount of suction. The unit will be running very fast! If it is running very long the motor may disintegrate. The transformer will likely burn out before that occurs. When the transformer burns out the power unit will shut down. If one simply replaces the transformer the system will be restored back to normal operation.

If you departed the house without testing the vacuum and later found that the new vacuum did not work, then it is probable the electrical contractor powered it up with 240 volts. Just staying in the off position the power unit will burn out the transformer in 3-5 minutes or less.

Plugging a 240 Volt Power Unit Into 120 Circuit

If you plug a 240 volt power unit into a 120 volt outlet, it will not run properly. The great news is that neither the transformer nor the power unit will be demolished. It will only be running at half speed.

Plan of Action

I would like to offer my many years of experience as a Security / Low-Voltage Contractor and hand you a very acceptable plan of action. If you install the system yourself you will save lots of money. To install your own central vacuum you will first need to know exactly what components are required. What are the top two or three models to consider? Where is the best place to procure your pipe? What type of cabling needs to be pulled in the walls of your home? You are going to need a manual to lead you through the process.

Installing Multiple Systems

It's been my experience that when home owners are considering one system for their new or remodeled home, they are likely contemplating other systems as well.. It would be in your best interest to have installation manuals on each system you would like to include in your house. Read them all then buy your components, special tools, and cable so that they are all on the job site ahead of your proposed start date.

Wednesday, September 19, 2012

Is it Possible to Cheat with ExamSoft?

Exam takers often wonder whether exam security systems can be breached. As a provider of such a system, ExamSoft implements both cheating prevention and post-exam cheating detection systems. While it is impossible to know how many instances of potential cheating have been prevented, our staff and systems have been responsible for helping our clients identify or confirm cases of illicit behavior after the fact. This role is not always popular. In particular, we are often asked why we use techniques to "lock-down" laptops and prevent access to outside tools or applications. We use such techniques specifically because we are trying to help exam takers, including students and professionals.
Moving an exam from a pen-and-paper format to a computer-based format seems very natural, particularly in today's technology-centric world. However, it is fraught with challenges for administrators. ExamSoft seeks to give exam takers the benefits that come with technology, while satisfying the needs and concerns of the test administrators.

ExamSoft provides the opportunity for exam takers to leverage their own laptops and/or institutional computer labs (depending on the institutional client's choice) to take their exams. The idea is to give exam takers one or more of the following opportunities:

To type their essay answers rather than write them by hand; depending on the specific exam, this might come with certain computer-based tools such as cut-paste or spell-check
To receive score results more quickly than is typically possible with bubble-sheet or blue-book systems
To receive detailed, personalized exam performance feedback, to guide future study or personal development efforts (i.e. get personal emails)
To have their digital answer files regularly backed up during the test, to mitigate risks of potential data loss
To have exam questions that are evaluated/measured for validity and fairness
To test in a location that is as convenient as possible (as opposed to a remote, locked down testing center, for example)
To go green

The student or exam taker preferences often pose challenges for schools and other institutions. Exam administrators want to provide exams that are fair and valid. This means that they need to remain vigilant to prevent security breaches and find security vulnerabilities. It is a continual effort since there are always a small, but impactful number of people looking for ways to cheat or exploit any security system. Unfortunately, this means that the actions or potential actions of a few, impact the experiences of the many who simply want to study for and perform as well as they can, honestly, on their exams. ExamSoft's staff comes to work every day, trying to find ways to improve the experience for all exam takers, while also trying to stop the small number of cheaters from impacting the whole bunch.

If you ever encounter anything that might help us improve the user experience or security level, for the benefit of all exam takers, please let us know. We really want to help and we work to improve each day. We can be reached at or 954-429-8889.

Tuesday, September 18, 2012

Flat Roof Repair For Dummies

Like all roofs flat roofs require regular maintenance. Localised damage on the smooth surface of an asphalt or bitumen felt covering, e.g. splits and blisters can be patch-repaired with a repair kit. Repairing a flat roof is not difficult even for complete novices.

To deal with splits, first remove any chippings. Use a blow torch or hot air paint stripper to soften the roof covering so that you can scrape the chippings away. Then, before embarking on the actual repair work, clean the area and kill any moss and lichen with a fungicide or bleach. Take care when cleaning because the effectiveness of any repair work will depend on the adhesiveness of the surface when you apply any patches.

Use self-adhesive tape to repair the split. Most of them are suitable for use on all types of roof coverings. Fill a wide split with a mastic compound before taping. Apply the primer supplied over the area to be covered and leave for one hour. Peel off the protective backing of the tape and apply it to the primed surface. Where a short split has occurred along a joint, cover the whole line of the joint with tape. Press the tape down firmly and make sure that the edges are sealed.

Blisters in asphalt or felt roofs only need to be treated if they contain water or have caused the roof covering to leak. Press the blister to check if moisture is expelled. If so, it must be sealed with a patch.

To repair a blister in an asphalt roof, heat the area with a blow torch or hot air paint stripper. When it is soft, try to flatten the blister. If the blister is filled with moisture, cut the blister open and let the moisture dry out. Gently heat the asphalt again before pressing it back into place. Apply mastic into the opening before closing it. Finally cover the area with a patch of repair tape.

To treat a blister on a felt roof make two intersecting cuts across the blister and peel back the felt. You can heat the felt gently to make this easier. Clean the opening and let it dry. Then apply bitumen adhesive and when it has set a little, nail the covering back into place with galvanised clout nails. Finally, cover the repair with a patch of roofing felt glued on with bitumen adhesive or use repair tape. Cut the patch generously so that it laps all round.

A patched roof can be spruced up by applying a finishing coat of bitumen and chippings to create a more uniform surface area. If the surface covering has decayed you may have to re-cover the roof. However, a roof showing signs of general wear and tear can be brought back to life with a liquid waterproofing treatment. This consists of the cold application of a bitumen-based water proofer which is reinforced with a glass-fibre membrane. This should be done during warm and dry weather.

First clean the roof and kill any moss and lichen. Apply the first coat of water proofer with a broom and then lay the membrane into the wet material and stipple it with a soaked brush. Make sure the edges overlap by 5 cm or more and bed them down with water proofer. Apply three coats altogether. Let each coat dry before applying the next. Clean the brush with soapy water before each coating. When the last coat starts to set, cover it with fine chippings to provide a protective layer.

Repairing a flat roof is not difficult and within the capability of most people. By following the steps outlined above you can successfully repair a flat roof in very little time.

Friday, September 14, 2012

Outfit Your Little Cowpoke's Room With Mighty Cute Western Bedding

When the time comes to redecorate your growing son's room it can be difficult to know just where to begin. You definitely want to create a cozy and inviting space that he won't outgrow too quickly, so whatever theme you choose has to have considerable staying power. Kids bedding can play a vital role in successfully transforming a baby boy's nursery into a unique place clearly intended for your own very confident brand new "big boy".

Themed linen collections for children can effectively reinforce the decorative motif you and your little one select, and, with a bit of old-fashioned comparison shopping, you can successfully locate a cute quality set without spending a small fortune. Start by listing all of the motifs that your boy might like; this imaginative brainstorming exercise can be a great deal of fun in and of itself, so by all means include your young co-decorator as you two consider various options and zero in on the best idea.

Boys bedding features so many different themes chances are very good you will be able to narrow your online search almost immediately. It can be tempting to buy the first set you like without asking many questions, but take the time to consider what sort of fabrics are most appropriate for your family's lifestyle and monetary reality. Are you willing to invest in a dry-clean only collection, or one that requires a great deal of special care?

Good news: The overwhelming majority of bedding designers out there completely understand the fact that time-strapped moms and dads are interested in tracking down good-looking linens that can be thrown into the washer and dryer without shrinking or fading. Most themed sets offer durable high thread-count cotton sheets that grow softer with each wash, along with stunningly appliqued quilts constructed with fabrics made to endure frequent laundering--to say nothing of the usual daily wear and tear your little one is almost certain to inflict.

Cowboy and western themes have long been a top choice among little boys who've proudly made it through their toddler years and are now busily engaged in throwing themselves wholeheartedly into the great new adventure of boyhood. If your son chooses a cowboy motif, then you can easily fashion a top-rate and blessedly inexpensive bunkhouse hideaway for your favorite sleepy cowpoke with the help of one or two sets of cute and comfortable Western bedding.

Easy-care fabrics like classic cotton bandanna prints and warm, snugly micro-suede are routinely included in the bulk of very reasonably priced and adorable cowboy and western-themed bedding collections sold online, so if you are interested in buying one you are sure to rest easy. When his teeth are brushed and his bedtime story is over, settle your tuckered little hombre into one of any number of truly extraordinary bedding sets that pay homage to life on the range.

You can easily buy easy care fabrics like cotton bandanna prints and micro suede through internet by doing online shopping as these fabrics are sold in large numbers through online as a part of the western-themed bedding collections. At the end of his day when it's time to tuck in your tired young buckaroo, he surely will love to dream of riding into the sunset snug in any one of many amazing bed sets celebrating the old west.

Cowboy and Western-themed bedding has long been a staple for little boys' bedrooms, and are perfect for young toddlers who are just about ready to begin the vast new adventure known as boyhood. There is a terrific selection of reasonably priced sets of children linens, and a little boy who loves to play cowboys and Indians might really appreciate a room fashioned for him using children cowboy bedding.

Boys bedding collections comes in so many colors and styles that you will find beautiful bedding with ease online, that is perfect for your little one. When you have found a set you like you might think there are no more questions to be asked, don't forget there are other important considerations to weigh up, consider your lifestyle and be honest about your financial reality and ask yourself if the quality of the fabric is the most appropriate, too, before you buy. You can purchase sets that require particular care or are dry-clean only, but is that an investment you wish to make?

Monday, September 10, 2012

Canadian Gift Card Swap

Canadians now have a way to turn their unwanted gift cards into cash. For years millions of dollars of these plastic cards have been lost, stolen or expired. The lost cards have been created a huge windfall for the stores that issues them and never end up having to part with any merchandise or refunds for unused cards. While several websites in the US that buy and sell gift cards have been around for years, none of them have provided an outlet for Canadian consumers. There are currently a couple ways to get cash for your cards but until recently there have not been any services that offer the same simplicity and ease American sites have offered. In this article we will examine the top three Canadian gift card swap techniques.

Canadians can and always have been able to sell their cards on ebay Canada. Although it is not dedicated purely to gift certificates the auction website provides a relatively easy way to sell a card. I say relatively easy because if you have not already signed up for an account it can be a pain to learn how to use the website. It is not simple for newbie's and you may need to make a couple purchases first to build up your ebay street credit. This credit or trust ranking is called feedback on ebay and people will rarely bid on an auction if the sell has low feedback.

Another way you can sell your cards is by using local classified or online classifieds websites. Although many people do use these services as a card swap they can be time consuming. Not only do you need to wait for someone to reply to the ad you post but you will also need to meet up with them to exchange the card for cash. If you place the ad in a small community your are unlikely to get any replies, however if you live in a larger community and place an ad you are likely to get a response but a new problem will emerge. If you are selling your gift card in Toronto and live in downtown Toronto and someone in Oakville or one of the other suburbs wants to buy your card than you might have to drive half an hour just to meet up and do the exchange. This can turn the relatively easy process of selling your card on a classifieds site into a huge hassle.

A new Canadian solution has surfaced that will let you swap your cards for cash. A new gift card trading site that originally began as a gift cardswap quickly evolved into an easy to use service that gives you cash for your cards. All you have to do is submit some details about you card, send it in and within 24hrs of your card being verified you will receive payment online (cheques are available by request). Why use a gift card swap when you can instantly turn your card into cash? In this day and age who has the time to wait for a buyer to appear and then hope your escrow payment is released? The simplicity of this server is what makes it so great you simply exchange your unwanted cards for cold hard cash.

With retailers no longer offering cash back for their cards it was only a matter of time before a secondary industry sprang up to service this issues for consumers. Luckily Canadians now have a variety of viable options for turning there card into cash. These services will only become more common until retailers step up and take some responsibility for the value on the cards they issue.