THE PAVILIONS PHUKET BRITISH INTERNATIONAL SCHOOL, PHUKET
THE PAVILIONS PHUKET BRITISH INTERNATIONAL SCHOOL, PHUKET Kata Rocks
The Phuket News Novosti Phuket Khao Phuket


10 Top Tours in Phuket
Phuket is one of the most famous provinces in Thailand and the destination of many international tourists. In fact, Thailand is made up of small islands that Phuket is the largest island of its own. The island in the southwest of Thailand is one of the most legendary tourist destinations in the world. Phuket is known for its beautiful and outstanding beaches all over the world. There are plenty of really memorable things to do in Phuket and also plenty of places to visit in Phuket. Phuket alone is a legendary island for spending the holidays but day trips from Phuket for different purposes can give you an amazing vacation. Here are some of the tourist attractions of Phuket Island. The following list is our pick of the things which you should absolutely not miss while in Phuket. Green Elephant Sanctuary Park It has greenery and a good environment for family gatherings. The fascinating thing about Green Elephant is that there are several elephants and you can see the elephants by visiting this center and even ride them. Phuket Aquarium In 1983, the aquarium was built as part of the Phuket Biology Center project. It has been more than 30 years since the construction of this recreational complex, but we must say that the center has recently been completely renovated and now it's a luxury place to visit. More than 300,000 tourists visit the Phuket Aquarium every year. Here you can get acquainted with various species of aquatic in Thailand. Big Buddha Phuket The religion of most Thai people is Buddhist, so there are numerous temples throughout the country. Buddhist sculptures are abundantly seen in various Thai cities. One of the most famous Buddhist sculptures in Thailand, the great Buddhist Phuket, is that seeing this huge statue will surely be wonderful for you. 10 Top Tours in Phuket Phuket has many tourist attractions that certainly can not be visited on a single trip. Being a place of great variety, there's something among the best things to do in Phuket for every kind of traveler. We have sorted the top 10 Day Trips and tour packages in Phuket that you should not miss: # 1: Flying Hanuman Zip-line Park Phuket is one of the lush green areas of Phuket which also has excitement for tourists. You will fly low through the forest and high above the treetops to see this Phuket hillside from every perspective. Flying Hanuman offers different packages, you can choose from different combinations of 30 wooden platforms on the trees that are connected to rappel cables, air bridges, spiral staircases, and zipper liners. # 2: Full Day Phi Phi Island Tour by Royal Jet Cruiser Phi Phi islands are a destination that has to be visited by those who are traveling for the first time. These islands are located almost 50km from Phuket. Phi Phi Leh Island with a stunning view of limestone cliffs and its emerald green waters will give you an exceptional experience of swimming and snorkeling. Phi Phi islands are full of hidden caves that have to be explored. It will be a great experience to swim in these crystal clear waters with beautiful beaches. There are a number of tour operators in Phuket offering different Phi Phi Tour Packages with different prices and itineraries, some are taking you to Phi Phi by Speedboat, some by big-boat or ferry while others are offering a mixture of Big boat and speed boat where your main travel to the Phi Phi island will be with the big boat and then you will do the sightseeing with the speedboat. Before choosing your Phi Phi Tour package, make sure that your tour package includes insurance, snorkeling gear and tour guide. # 3: James Bond Island James Bond Islands is comprised of 100 islands with a total area of 400 square kilometers. A lot of pictures of these islands can be found in Guinness Book, some for their beauty and some other for their strange appearances. These islands, also known as Khao Phing Kan, are a popular one day trip destination from Phuket among touristic places. You can swim, boat, and visit around these islands. A beauty symbol of these islands is the beach, which is a very tall rock with many small caves in it. When you are booking your online James Bond Island tour package note that usually Tour price does NOT INCLUDE National Park Entrance. # 4: Splash Jungle Water Park Don’t forget visiting Splash Jungle Water Park when going to Phuket. It is a very interesting destination to have a very exciting experience with your family. Providing a stunning view to the May Kao beach, it is a place of attractive activities for the children and adults. Water sliders are immersed in over 6 million liters of water and it will absolutely be very enjoyable to play in it. Two restaurants are seen in Splash Jungle, each of which provides a delicious set of the best Thai foods. Although it cannot be considered as a very large water park, but it is the best water park in Phuket and it will give you a memorable experience during your holiday in Phuket. # 5: Phi Phi Island + Maya Bay + Bamboo Island As we said earlier in this article Phi Phi island is one of the most popular touristic places in Thailand and you can find a variety of different Phi Phi Tour Packages, This is a golden combination package of 3 beautiful islands, Phi Phi Island, Maya Bay and Bamboo Island. The Phi Phi Island became famous after the movie The Beach 1980 was released. It was filmed on the stunning beach at Maya Bay. Phi Phi islands have beautiful places such as limestone cliffs vertically jutting out of the water along with weathered rocks and minerals that create colorful patterns of yellow, red, and orange. Phi Phi Lay consists of two amazing coves: Maya Bay and Pilah Cove, each of which has tall cliffs that are in a semicircular shape. Such a beautiful place is hard to find! # 6: Similan Island - 2 Days / 1 Night (Tent) The Similan Island National Park is located 85km north-west of Phuket and 65km west of Khao Lak. This island consists of nine islands that are known for coral sand beaches and crystal blue waters. Pleasuring weather, shining sun by the blue sea, green mountains and singing birds are among the characteristics of this island. Having beautiful aquatics and colorful corals along with algae, it is an amazing place for diving. You can also go boating if you are not interested in diving and enjoy the stunning views in Similan Island. # 7: Khao Lak Safari - White Water Rafting This one is a bit different tour and our recommendation if you are on a budget trip in Phuket, Khao Lak is located 80km north of Phuket, adjacent to Ranong and Surat Thani. It is also 788km from Bangkok. This place is popular among eco-tourists and adventurers. White water rafting along the Song Phraek River in Phang Nga is exciting and fun. The view is beautiful, the air is fresh and you can hear the river when you get there. This wild river is enjoyable for amateurs and those who are familiar with furious current. There are three national parks in this region. It has caves, lakes, restaurants, and shopping centers. Surin and Similan Islands are also near to this region. # 8: Surin Island - 3 Day 2 Night (Tent) If you have 3 days to spare during your stay in Phuket this package is for you! Stay at tent for two nights in Surin Island National Park, jungle walk, Snorkel in some of the best snorkeling spots in Thailand and see around the island with long tail boat all included in this tour package Surin Island is located in Phang Nga provice, north of Phuket. It is also 60km west of the small city of Khuranburi. Surin Marine National Park was promoted to an Andaman Asian Heritage Site in 2004. One of the best snorkeling sites in Thailand is the various coral around Surin Island. You are Welcome in Surin Island. # 9: Rok Island (One Day Tour) Rok Island consists of two islands of Rok Nok and Rok Nai. It is a good place for those who need to relax and experience the beautiful nature consisting of white sandy beach, crustal clear sea water, anemones and large nemos, beautiful corals, etc. Unlike other common one day tour packages from Phuket, you won’t have lots of options to choose from as there are only a few operators offering The Rok Island Tour, You will be transferred to this unspoiled island and back to Phuket by speed catamaran from Phuket Marina pier, 1 Meal, Snorkeling gear and The national Park entrance fee is already included in this package. # 10: Siam Niramit Phuket What is the best program to attend in a rainy afternoon? Why not joining a cultural show? Siam Niramit Phuket is a cultural extravaganza that adds variety and vitality to the island’s entertainment scene. It is located just off the By-pass Road in the outskirts of Phuket Town. The show features songs, dance routines and traditional martial arts. You just need to sit back, relax, and enjoy the historical perspectives of Thai arts and culture in this 70-minute performance.

Club Unique Partners with FNTC
 With the flagship office located at the expansive Patong Bay Hill Resort in Hasibpee Hill, Club Unique is a modern Holiday Membership Club which offers members an endless choice of possibilities as well as an almost limitless array of luxuries across a global platform. Derived from a single, bold concept in 2015, today Club Unique is the result of the shared vision of local developers and real estate and hotel specialists alike. Club Unique’s home resort, Patong Bay Hill, sets the benchmark for vacation club value and excellence. The resort features a variety of luxurious, modern cottage and suite developments of which many have personalized pools showcasing stunning sea views. It’s an outstanding home away from home that leaves its members eager to return year after year. In conjunction with maintaining the highest of standards, Club Unique is proud to announce a partnership with the First National Trust Company Limited. Best known in the leisure industry as FNTC, the company is the world’s leading provider of business solutions and legal structures for resort developments. FNTC offers essential tools that help make the vacation ownership industry more efficient, more attractive and more profitable. Club Unique is beyond pleased to announce our affiliation with First National Trust Company Limited to all of our members, owners and guests. With over 30 years of experience, FNTC brings to Club Unique the legal structure and infrastructure which a company with Club Unique’s growth requires to continue to move forward smoothly. FNTC also offers consumer protection to the client, which makes the overall Club Unique product more attractive to potential future clients. Consumer Protection ensures that you, as a client, are protected and your Holiday Membership will be preserved. Club Unique has long term growth plans, and working together with the First National Trust Company Limited is bound to ensure a bright future for not only the company, but also our many members and potential clients. Interested in learning more about all that Club Unique has to offer? Visit our home resort, Patong Bay Hill Resort. The development is a tropical, modern luxury resort that overlooks Patong and the Andaman Sea. The resort offers exclusive self-catering accommodation surrounded by natural gardens and lush green landscapes and is comprised of 13 individual buildings with 366 spacious suites, 183 having a shared private pool access. The entire resort development is set to be complete in 2021. Whether it’s for romance, a perfect family getaway, entertaining friends or as a base to enjoy Phuket’s many historical and cultural landmarks, Patong Bay Hill Resort is set to have it all as it continues to grow and expand. Stop in any time to the Club Unique flagship office at the Patong Bay Hill Resort in Hasibpee Hill in Patong. We will be sure to have a smile waiting for you. For more information on Club Unique visit www.clubunique.com

Premier Suite Pool Access at Patong Bay Hill Resort
An alluring and modern resort nestled agains the lush green of Patong’s Nanai Hill, the Patong Bay Hill Resort showcases fantastic views of the Andaman Sea. Nestled amongst 24 acres of tropical greenery, Patong Bay Hill Resort offers up a tranquil holiday sanctuary. For those looking for a bit of privacy during their holiday in Phuket, Patong Bay Hill Resort offers up exclusive self-catering accommodations surrounded by natural gardens and green landscapes. All of the spacious accommodation types at Patong Bay Hill Resort feature the latest technology and conveniences to ensure a pleasant stay. Premier Suite Pool Access accommodation at Patong Bay Hill Resort is a spacious 60sqm room with modern, elegant interiors and outstanding views of the Andaman Sea. Each of the Premier Suite Pool Access suites are decorated in a chic, contemporary manner with ceramic tile floors, King size beds with leather headboards, a comfortable sofa and a fully functional kitchenette area. The suites also feature balconies with a spacious seating area, perfect for spending some time outside and enjoying Phuket’s fresh air and sunshine. The obvious highlight of the Premier Suite Pool Access accommodation is the fact that the swimming pool is just a few steps away from the sliding glass doors of the suite. Imagine waking up to Phuket’s sunshine and plunging into the swimming pool first thing in the morning. What a refreshing way to start the day! Alternatively, relax by the pool as the day draws to a close and watch one of Phuket’s spectacular sunsets. Being able to access the pool directly from the suite is a wonderful luxury, one that guests are sure to take advantage of. Separated from the bedrooms in the Premier Suite Pool Access accommodation, the luxurious bathrooms feature essential amenities including bathrobes, bedroom slippers and toiletries. Further little luxuries include a microwave, refrigerator and minibar as well as Satellite/Cable TV. Bottled water is complimentary and a daily housekeeping service ensures that your suite stays in top shape during your holiday. If you are the type of person that is not able to totally disconnect while traveling, the Premier Suite Pool Access offers complimentary wireless high-speed internet access which allows the ability to work from anywhere within the resort grounds. While not ideal to work while on holiday, it is a known fact that many people have to, so we do our best at Patong Bay Hill Resort to ensure you can stay connected. While the Patong Bay Hill Resort is serene and secluded, for those interested in checking out the popular beach destination of Patong, a free shuttle service is available for guests throughout the day. Make sure to spend some time on the beach and visit the massive Jungceylon shopping complex for bargain deals and souvenirs, as well as the soon to open Central Patong shopping mall. Luxury, tranquility and not far from Phuket’s famous nightlife and entertainment district, the Premier Suite Pool Access at Patong Bay Hill Resort tick all of the boxes for a wonderful holiday in Phuket. To book a Premier Suite Pool Access accommodation, contact us directly or visit our website www.patongbayhill.com  

Beachfront Paradise in the Heart of Patong
Located directly on the soft sands of Phuket’s most famous beach, The Bay & Beach Club is a new luxury resort in Patong. With a prime beachfront location, luxury services & facilities as well as Phuket’s coolest beach club, The Bay & Beach Club is one of the hottest spots in Phuket. Newly constructed, The Bay & Beach Club offers absolute beachfront accommodation in the heart of Patong. The resort is home to 26 brand new luxurious rooms which are modern and contemporary. The open plan design works well with the rooms and gives an airy feel to the already spacious accommodation. All units are equipped with a fully functional kitchenette, and some offer a relaxing Jacuzzi on the balcony which is sure to make your holiday extra special. The Bay & Beach Club offers a full range of five star luxury services & facilities to our valuable guests. There is a fantastic on-site restaurant that serves up authentic Italian favorites in a fine dining setting. Make sure to have dinner on the second floor of the restaurant while watching the sun set. It’s a romantic setting and sure to be an unforgettable holiday memory. Other luxury services & facilities include a clubhouse, a kid’s club, and a recreation and fitness center. One of the highlights of The Bay & Beach Club is the well positioned swimming pool. The swimming pool is located directly on the sands of Patong Beach, and offers up lush views of the blue water of Patong Beach. It’s the perfect place to laze about during the day, working on your tan or perhaps reading a book or doing some people watching. Phuket’s coolest beach club is located on the resort grounds of The Bay & Beach Club. Called KUDO, it’s a one of a kind bar, restaurant and beach club in Phuket. The location really epitomizes the beachfront paradise in the heart of Patong theme as the club is located right on Patong Beach. KUDO Beach Club hosts a variety of themed parties and activities every day of the week. There is always something to enjoy at the beach club, whether it’s dancing to the tunes of a famous international DJ, or floating in the swimming pool with a luscious tropical cocktail in hand. The beach club can be accessed in just a few steps from the accommodation at The Bay & Beach Club. When contemplating a holiday to the island of Phuket, enjoy an elegant and luxurious stay at The Bay & Beach Club. Located on a world-renowned beach in the heart of Patong, The Bay & Beach Club truly is a beachfront paradise. Lined with palm trees and just a few steps away from the ocean, The Bay & Beach Club is the perfect retreat destination after a long journey from your home country to Thailand. To book accommodation at The Bay & Beach Club, contact us directly. More information about The Bay & Beach Club can be found on our website.

Contemporary Italian Fine Dining at The Bay and Beach Club
Looking for contemporary Italian fine dining while staying in Patong Beach? Make sure to visit the luxurious The Bay and Beach Club to dine on exquisite Italian meals bursting with authentic flavors. Located directly on the sands of Patong Beach, KUDO Italian Restaurant truly is one of a kind. Designed with breathtaking views in mind, KUDO Italian Restaurant is located on two different levels. The ground floor has direct access to Patong Beach and the entirety of the beach club, while the upper sea view terrace boasts a romantic atmosphere and offers up outstanding views across Patong Beach and the Andaman Sea. With a prime location right on Patong Beach adjacent to The Bay and Beach Club, KUDO Italian Restaurant features a traditional Italian menu which utilizes ingredients imported directly from Italy. The fine dining establishment prides itself on authentic flavors, and all of the dishes available are a true interpretation of the Chef’s culinary skills. Contemporary Italian fine dining classics on the menu include a fresh selection of choices such as zesty appetizers and salads, a wide variety of pasta dishes, exquisite seafood and meat main courses, flavorful pizzas and delicious Italian desserts. For those with specific food requirements, it is worth noting that there are many vegetarian and halal items offered on the menu. Popular favorites from the Chef’s creative menu include mixed Italian cold cuts and an assorted cheese platter, crab meat salad with oranges, olives and lettuce as well as the classic favorite Burrata con prosciutto crudo, Buffalo mozzarella cheese with sliced Parma ham. There are pasta dishes to suit every appetite at KUDO Italian Restaurant. Take a seat on the upper sea view terrace and enjoy magical sunset views and a cool sea breeze while tucking into a lush Pumpkin Ravioli, fresh Spaghetti Seafood or hearty Lasagna di manzo alla bolognese - a classic favorite of Beef lasagna bolognese style with bechamel, tomato sauce and parmesan cheese. Fish main course dishes include only the freshest local seafood including large tiger prawns, clams and mussels as well as exquisite imported French oysters. Only the highest quality meats are used in the various other main dishes which include tasty selections of Australian beef tenderloin and Angus beef, roasted pork loin, grilled lamb chops and braised veal shank. The food menu is accompanied by an extensive cocktail and drinks list. Doesn’t a sunset drink on Patong Beach followed by an outstanding Italian meal sound inviting? KUDO Italian Restaurant offers a unique atmosphere and endeavors to create unforgettable moments for all of its guests. If you are looking for a special experience right on the sands of Patong Beach, the most famous beach in all of Phuket, then visit us at The Bay and Beach Club to experience contemporary Italian fine dining during your holiday. For expats on the island, KUDO Italian Restaurant is open to the public. For those staying at The Bay and Beach Club, the restaurant is located just a few steps from your accommodation. Although not essential, reservations are highly recommended. To book your table at KUDO Italian Restaurant call +66 (0) 76 609 401. Situated on the grounds of the luxurious The Bay and Beach Club, in the heart of the iconic Patong Beach, KUDO Italian Restaurant offers contemporary Italian favorites in a fine dining setting. The restaurant promises all of the amenities for an unforgettable dining experience.

The Patong Bay Hill Resort - Modern Luxury in Patong
Truly a hidden gem, the Patong Bay Hill Resort boasts modern luxury in Patong. Nestled high above the neighborhood in Hasib Pee Hill the Patong Bay Hill Resort is a contemporary resort which overlooks the Andaman Sea. The Patong Bay Hill Resort offers majestic panoramic city views that look out into Patong Bay. The luxurious selection of resort accommodation is built in a modern style with fine design and furnishings. The spacious accommodation has all the latest conveniences and offers comfort and relaxation after a long flight or journey. Location is everything, and the Patong Bay Hill Resort is the perfect hideaway destination. Tucked into the hills, the verdant resort grounds are surrounded by lush, tropical nature. The atmosphere is tranquil and relaxing. If you are looking for secluded, luxury accommodation in Patong, the Patong Bay Hill Resort delivers. The tropical, modern, luxury resort offers a variety of one bedroom suites. The suites are modern with a contemporary design. Think sleek, modern and extremely comfortable. Each suite features a terrace or balcony and has sea views or tropical garden views. A few of the suites even have a private Jacuzzi, perfect for relaxing and watching the sun set over Patong Bay with a glass of wine or champagne! The Patong Bay Hill Resort offers our valued guests a full range of amenities designed to ensure that the stay with us is as relaxing and comfortable as possible. Featured room amenities include a fully functional kitchenette, microwave, minibar and refrigerator. Bathroom amenities such as toiletries, bathrobes and bedrooms slippers are also provided. For those seeking entertainment, satellite and cable television is available and the free WiFi is fast and strong. Daily housekeeping is provided, and each evening, our staff offer turndown service. The Patong Bay Hill Resort is spacious. It consists of 13 buildings with 384 units. 183 of these units are located on the ground floor, which enables direct pool access. Just imagine walking out of your one bedroom suite and jumping right into the swimming pool! Newly built, the Patong Bay Hill Resort features a wide range of guest facilities and services to ensure that you have the most enjoyable and comfortable holiday possible. There is a convenient on site bar and restaurant which serves delicious food and drinks. The Patong Bay Hill Resort Restaurant serves a delectable combination of Thai favourites and international food. Breakfast, lunch, dinner and drinks are all available at the restaurant on the premises. Interested in seeing more of what Patong has to offer? We have a free shuttle service that heads down into the electric hustle and bustle of Patong so guests can check out the beach, the infamous Bangla Road, shopping centres and various tourist attractions. If you need advice about where to go, be sure to talk to our helpful staff at the Patong Bay Hill Resort. As many of them are locals or Phuket natives, they will be sure to share some of their insider tips. Have further questions? Get in touch with the Patong Bay Hill Resort directly to book modern, luxury accommodation in Patong.

How to expand your Thai business to other Asian countries
Asia is one of the most important markets in the world and expanding a business here is without a doubt a great idea, no matter where you come from. Thailand is a very appealing country not for tourists only, but also for those who decide to open companies here. Most of the times, these companies reach maturity and generate good profits which allow them to expand their operations in other countries. When deciding to expand a Thai business, the best way to start is by reaching neighboring markets and Asian countries represent some of the best solutions in this case. China, Singapore, Hong Kong, Taiwan and Vietnam are countries which have similar laws to those in Thailand and they can represent a great way of expanding a Thai company. Expanding a Thai business through a subsidiary One of the best ways of expanding an existing business is by opening a subsidiary. This type of entity can be registered as a limited liability company, which is one of the most advantageous business forms in a country like Singapore. Those who wonder how to set up a company in Singapore, even when it means expanding a Thai business, incorporating a subsidiary is quite simple and takes a few days only. No matter the country chosen, a subsidiary will grant a high level of independence to the company established abroad, but also a series of incentives given that Thailand has good economic relations with its neighbors. The branch office – another option for expanding a Thai company in an Asian state The branch office is the second option when deciding to expand the operations of a Thai company. Compared to the subsidiary, the branch office offers a better control of the parent company. The costs of setting up a branch office can also be lower, depending on the country chosen for expansion. The process of opening a company in Hong Kong under the form of a branch office is a good example in this sense. Branch offices are often met in Asian countries, as companies all over the over the world choose this business form to expand in this corner of the world. Thailand is a great country to start a business in because the government offers a lot of support to both local and foreign entrepreneurs. When it comes to expanding these companies, there are various solutions which can be employed depending on the industry the business operates in, the market it addresses and the services it offers.

The Bay and Beach Club
Looking for a luxury resort? With a prime location just meters away from some of the island’s most bustling nightlife, The Bay and Beach Club is a luxurious beachfront resort located on the beach in the heart of Patong. The Bay and Beach Club offers absolute beachfront accommodation in the heart of Patong, including luxury services & facilities as well as Phuket’s coolest beach club. Enjoy an elegant and luxurious stay at The Bay and Beach Club. There are a variety of luxurious accommodations on offer at The Bay and Beach Club, ranging from Deluxe Rooms to Luxury Beach Suites to Pool and Beach Suites to Two Bedroom Suites. Modern and contemporary in design, each room type features an open chill out lounge and balcony space for you to relax, take in the sights and enjoy the resort’s superb beachfront setting. Each accommodation at The Bay and Beach Club is fully equipped with a functional kitchenette, which makes preparing simple meals and late night snacks a breeze. Other amenities include WiFi, satellite TV, a fully stocked minibar, in-room safe and room service, in case you would like to dine on various dishes from the on-site restaurant. Interested in learning more about the accommodation types available at The Bay and Beach Club? Check out the all new website thebayandbeachclub.com Booking directly through the website offers its advantages. Contact The Bay and Beach Club to find out more! The Bay and Beach Club is home to a delectable restaurant which serves breakfast, lunch, dinner, light snacks and beverages. The Chef’s fresh dishes feature a modern interpretation of a traditional menu with succulent flavours and high quality ingredients. The restaurant is open daily from 10:00AM-10:00PM. Located within KUDO Beach Club, guests are welcome to dine around the pool, on the beach or on the club’s comfortable sun loungers. For more information on the restaurant and what KUDO Beach Club has to offer, visit KUDO Beach Club If breakfast is what you are after, you can expect a scrumptious breakfast buffet featuring a range of Thai and international favourites served daily from 6:30AM-10:30AM. Located on the second floor of KUDO Beach Club, your breakfast will be accompanied by sweeping panoramic views over Patong Bay. A stay at The Bay and Beach Club is sure to be a memorable one. The luxurious resort is located on the sands of Patong Beach, shaded by swaying palm trees and within easy access to KUDO Beach Club, which is Phuket’s coolest beach club. The Bay and Beach Club has a very boutique resort feel to it as there are only 26 luxurious and spacious rooms. A few of the room types offer a soothing, private Jacuzzi on the balcony which will definitely enhance the overall mood of your holiday. Ready to book your stay in one of Phuket’s most luxurious resorts? Visit The Bay and Beach Club to make a direct booking.

Save money using a personal loan
Banks in Singapore have a variety of loans to cater to your needs. For instance, you will get an educational loan, car loan, housing loan, etc. You will notice that most of these loans have a specific purpose behind them. However, a personal loan is one such unsecured loan that can cater to any of your requirements. You may need a personal loan for the following reasons: Family emergency Medical expenditures Wedding Debt consolidation Education expenses Home renovation Types of personal loans in Singapore Personal instalment loan: In this case, you will receive upfront cash from the lender and you are required to repay the debt on a monthly basis over a period of time. This type of personal loan is used for medical emergencies and weddings. Credit line: Credit line refers to revolver credit. This means that money can be drawn and utilised according to your needs. The lender decides on how much money can be borrowed. You will only pay the interest on the amount and time you have utilised the money. Balance transfer: This is a type of loan that allows you to merge multiple loans (from different lenders) into a single loan. Some lenders even offer a grace period of 6-12 months for which no interest is charged. A balance transfer can be effectively used to consolidate your debts. How does a personal loan work in Singapore? If you have a good credit score, you can get a personal loan within a week in Singapore. Personal loans are unsecured loans. This means that there is no collateral involved. A personal loan will have a fixed rate of interest along with repayment periods. Most personal loans are also amortized. This means that your monthly instalment will also include your principal and interest charges. Benefits of taking a personal loan Fixed interest rates: Unlike credit cards, personal loans have a fixed rate of interest wherein you are required to make regular monthly payments for the said term (depending on the tenure of the personal loan). Unsecured loans: A personal loan do not require any collateral security and is easily available. However, you will need to utilise your loan responsibly and repay it to the bank. You will need to remember that personal loans are linked to credit scores. Faster availability: Upon applying for a personal loan today in Singapore, you may get it sanctioned within a week depending on your eligibility and credit score. The factors below will give you an insight on how you can save money with a personal loan: Lower the interest rate on your current debt If you have borrowed money from a lender at a higher interest rate, you can take a personal loan to clear your existing debt. For instance, if you have a loan that has a higher interest rate of 13%, you may take a personal loan (that has a lower interest rate of 6%) and close your existing loan that requires you to pay more. By doing so, you can save the interest charges every month. Also, personal loans can be paid back in easy monthly repayments at a fixed rate of interest. This will eliminate the burden of paying higher interest rates that you carry with other lenders. Use a personal loan for your side-business A business loan usually requires you to have a steady financial track record of 2-3 years. This also requires you to meet certain criteria including business registration for which you may be unprepared. In such scenarios, you can always take a small personal loan to start a side-business such as a blog shop or renting out your video equipment. For example, if you have taken a personal loan of S$2,000 for a tenure of 1 year, your monthly interest may be as low as S$200. Personal loans to update your skills/education You can consider taking a personal loan to update your skills and knowledge. If you land a promotion or get a pay hike for your skills, this may add up to thousands of dollars annually. Consolidate your debts from multiple lenders Different lenders may have different interest rates. When you have multiple loans that require you to pay higher interests every month, you can opt for a personal loan to assist you with this situation. For example, if you have taken a loan from 5 different lenders, you can take a personal loan from a single source (bank) and clear all your outstanding balances. By consolidating your debts, you can save money and also avoid paying huge interest rates to different lenders.

How to make money with Forex trading
What is Forex market? Foreign Exchange Market (Forex) is about exchanging one currency to another. Over time, people have learned to earn on a difference in exchange rates and such speculation has become a great source of income for many traders. After all, exchange rates are very unstable that makes a purchase and sale of currency a really profitable business for so many people. The currency pairs are the instruments used to conduct the trading process. (e.g. GBP/USD, EUR/USD, USD/JPY, etc) To become a trader, you need a willing to start and to open an account with a reliable broker. JustForex company is one of the trustworthy world leaders offering different types of accounts with beneficial conditions. Types of accounts. Which one to choose? There are several types of Forex accounts and depending on the conditions, you can choose the most appropriate one for you. If you have never traded on the Forex market, the most suitable option for you as a newbie is opening a Demo account. This account is absolutely free, as you use virtual money. It is created for you to practice trading and train your skills. Cent is also a kind of a training accounts, but trading is performed with real money. The difference is that the sum is much lower (it can be $10-15) than on a Standard account and the balance is displayed in cents for greater solidity. Standard account is one of the most popular among traders and usually the minimum deposit sum is $100. What to take into consideration while trading on Forex? A very important skill for a Forex trader is an ability to analyze what is happening on the market. There are 2 types of analysis for this: Everyday market overview - you monitor the market for key events that can affect the rate and take into account this information to apply necessary changes into your trading strategy. Technical analysis - you analyze what happened in the past, because the Forex market has a certain cyclicality. There is a great chance that history will repeat, so you will be able to predict the future changes to get a profit. A trustworthy broker is a key to success Most brokers are interested in your ability to make money from Forex trading. But you need to choose a trustworthy brokerage company to start your journey to the world of currency exchange. One of the world leaders on the Forex market is JustForex broker. The company has been working since 2012 and is trusted by millions of users from 197 countries. Start trading with JustForex is very simple. All you need is to open an account on its official website. Once you have registered, you can download the trading platform Metatrader 4 for free and try to trade. If you open Mini or Cent account with JustForex, there is no minimal deposit. So you can start with any sum you have and make a profit of it. Thus, Forex trading can be both your main source of income as well as an additional one.

Save with these 3 Steps when you shop online in Phuket
Living on an island has its perks but also its disadvantages. Yes we may very well have unlimited access to the sun, sea and pretty people everywhere but what happens when we need to shop for necessities? Unlike Bangkok, shopping malls are scarce in Phuket, with only a few big malls around. Because of this, most people have turned to online shopping. With the constant advancement in technology, shopping online is becoming much easier and accessible. It’s so easy and convenient that most people would rather shop within the comforts of their own home rather than brave the hellish traffic just to get to a mall. When it comes to spending money, we naturally look for ways to spend lesser. Ever came across those shopping coupons at the supermarket and feel overly excited to use them? Well, many e-commerce stores have those coupons too in the form of codes. In the West there is RetailMeNot, a marketplace which connects retailers with millions of shoppers by using coupons. In Thailand, we have ShopCoupons, the equivalent of RetailMeNot. With the help of ShopCoupons, we won’t need to scout for discount codes and deals because they already have it all! Here are the only 3 steps you need to help you save more: Step 1: Let’s use Zalora as an example. Start by typing shopcoupons.co/th into your search bar. Once the website pops up, search for the online store of your choice. You will be led to the store’s page on-site where you’ll be able to find tons of voucher codes and promotions listed down for you. You won’t have to worry about not being able to find codes and deals for your favorite store as ShopCoupons is prominent in Thailand and a reliable source which also features other big e-commerce stores in Thailand such as Lazada, Konvy, Central and more.   Step 2: Pick the code or deal which tickles your fancy. For example, if you were to be interested in the 8% OFF code, just click on “get code”. The good thing about ShopCoupons is that you would never have to worry about random ads following you everywhere while you’re trying to navigate across the site so you’ll be able to browse for the discount code or deal of your choice in absolute peace. Also, ShopCoupons is completely free to use. You don’t even need to sign up if you don’t want to. Just pick the code of your choice and we’ll tell you what to do next! Step 3: Finally, the moment you click on “get code”, a pop up window will appear – don’t close it because it isn’t an ad! Copy the code shown on this pop up window and use it upon checkout at Lazada’s checkout page. You will then see an adjustment in the total amount payable which means your promo code is working just fine! If you shop at a certain online store often, we recommend making that store a “favorite” and subscribing to their newsletter. You’ll be the first to know once the freshest codes are out! But wait, what if you can’t read Thai? No worries, most of the codes and promos in ShopCoupons are in simple Thai and can be easily translated via Google Translate. Although the savings may seem little, little does go a long way and you’ll eventually be able to see the total amount you’ve saved in the long run. Smart shoppers strike while the iron is hot and they don’t let any opportunity to save their hard-earned money slip. Be a smart shopper and happy online shopping!

Five E-commerce Business Models Destined to Rule Thailand in 2017
2016 predicted Thailand’s e-commerce boom and it has been forecasted that in 2017, internet users in Thailand will make up 50 percent of the population compared to last year’s 43 percent. Once plagued by a shaky foundation of uncertain payment settlement systems and a faltering mobile infrastructure, it seems Thailand has overcome that hurdle and in 2016 became Southeast Asia’s fastest growing e-commerce market. With a retail market that is expected to reach 3.21 billion by 2020 - according to Euromonitor International, Thailand is without a doubt carving its niche within the world of e-commerce. Fueled further by the launch of 4G services, it seems a path has been paved for numerous online retailers to up their game and offer greater formats of product distribution to an internet-savvy pool of consumers. Here are five types of e-commerce business models that are currently taking Thailand by storm. Meal Delivery Sites With the clean eating craze going strong - particularly in cities - healthy food delivery websites are becoming an increasingly popular business model. Offering healthy alternatives that run from organic to vegan to low-calorie and non-processed foods, the success of these websites can be attributed to the fact that they offer to take away the hassle thought to encompass healthy eating, aka grocery shopping etc. By eliminating these factors, the popularity of meal delivery sites can only grow exponentially. Online Deal Platforms Capitalising on the Thais’ love for a great deals, the humble coupon is back and stronger than ever. With online deal platforms such as Saleduck offering coupons and deals from powerhouse retail websites like Lazada and Expedia, consumers are able to find money-saving deals on everything from electronics to groceries to first-class airline tickets going for up to 80% off. To set themselves apart from competition, deal and couponing platforms often work closely with their partners to release exclusive codes to provide even greater savings to their customer base and the fact that most of these codes can be accessed without a fee is the icing on the cake. Social Media Shopping In 2016, PWC’s Total Retail survey noted that 51 percent of online shoppers in Thailand shopped directly through social media platforms such as Facebook and LINE citing interactivity as a strong motivator. Whilst price and convenience play a significant role, the driving force behind social media shopping can be linked to the stream of human connectivity that takes its form in reviews, comments and feedback that comes via social media. 53 percent of social media consumers said that customer reviews are what influences their buying decision.  C2C Mobile Shopping Following in the same vein as social media shopping, C2C is also cited as one of the next big things to emerge in Thailand’s e-commerce ecosystem. The person to person interaction is an element that serves as the heartbeat of successful C2C platforms such as Pantipmarket and Tarad.com. Over 50% of online transactions being performed via mobile phone in Thailand, this is expected to further push consumer-to-consumer shopping further into the limelight.  Digital Content Websites From mobile gaming to SVOD, Thailand’s digital revolution has certainly altered the ways in which people consume content. With over 10 different paid platforms for Thais to choose from including iflix and Doonee, Thailand’s affinity for mobile internet use plays a role in how we choose to consume content via digital platforms. In the world of gaming alone, major telecom operators in Thailand have announced strategies in acquiring digital content and games in an effort to meet the rise in demand.