1.    Marina Bay Sands 

       MBS Casino 

       MBS Skypark Observation Deck 

       The Float at Marina Bay 

 

2.    Gardens By the Bay (Entry Ticket) 

       Indoor Gardern, 101-hectare horticultural park, Conservatories, Cloud Forest, Flower Dome 

       Viewing Point, Night Tour, Nature & Adventure, Light Show 

 

3.    Universal Studio 

       SEA Aquarium 

       Singapore Oceanarium 

 

4.   Singapore Zoo 

       Night Safari River Cruise 

 

5.   Sentosa 

      Singapore Cable Car 

      Skyline Luge S’pore 

 

  

6.    S’pore Changi Airport (The Jewel)

7.    Arts Science Muzuem 

8.    Singapore Flyer 

9.    OCBC Sky Walk 

10.   Singapore Botanic Gardens 

11.    Tekka shopping, Mustafa, Indian Museum 

12.   China Town; eateries 

13.   Suntec City Hub 

14.   Cirque du Soleil KOOZA Show 

15.   Singapore River Cruise 

16.   Singapore: Starry Night Cruise, Garden Rhapsody & Spectra 

17.   Singapore: Big Bus Hop-On Hop-Off Tour by Open-Top Bus 

 

Singapore: Big Bus Hop-On Hop-Off Tour by Open-Top Bus https://www.bigbustours.com/en/singapore/singapore-routes-and-tour-maps 

 

Tour Packages: https://www.getyourguide.com/-l170/?cmp=ga&campaign_id=15508245973&adgroup_id=132158662298&target_id=aud-476515432771:kwd-309031808313&loc_physical_ms=9062520&match_type=e&ad_id=628328342156&keyword=places%20of%20visit%20in%20singapore&ad_position=&feed_item_id=&placement=&device=c&assetgroup_id=&synthetic_keyword=singapore%20tourist%20places&partner_id=CD951&gad_source=1&gad_campaignid=15508245973&gbraid=0AAAAADmzJCNevqo_nLn5fkt556CXOKWFz&gclid=CjwKCAiA-__MBhAKEiwASBmsBFSxlHEKWG6ww1gb-q9fkvSVWw9nCjT1IprDx4XxPEuYBqWwELEEfRoCDJwQAvD_BwE 

Singapore: Big Bus Hop-On Hop-Off Tour by Open-Top Bus https://www.getyourguide.com/singapore-l170/singapore-big-bus-hop-on-hop-off-tour-by-open-top-bus-t204940/?ranking_uuid=e98024eb-f5e2-45e3-9d19-274cc81b115e 

Singapore: Starry Night Cruise, Garden Rhapsody & Spectra 

https://www.getyourguide.com/singapore-l170/singapore-starry-night-cruise-rhapsody-spectra-satay-t712172/?ranking_uuid=e98024eb-f5e2-45e3-9d19-274cc81b115e 

 

Night Safari River Cruise https://www.getyourguide.com/singapore-l170/singapore-night-cruise-with-garden-rhapsody-and-spectra-t1058963/?ranking_uuid=e98024eb-f5e2-45e3-9d19-274cc81b115e 

 

https://experiencesaremilesbetter.com/travel-better/top-5-must-dos-when-in-singapore/?gad_source=1&gad_campaignid=17064522226&gbraid=0AAAAABL637sU7aNcLBmek-th5IAzsB3mt&gclid=CjwKCAiA-__MBhAKEiwASBmsBOgUB-oWPQDv4UQzmwuNXKc1uNutgiZV1BdWqtl8ome_-ZS5PGK9whoCe 

1.   Ques:  Is NUCW is well established or newly formed?

      Ans:    Its long established; formed 2 decades ago in Yr-2004
                  Its a National level Cooperative having ~6000 members

 2.  Ques:  Who is the Governing body of NUCW?
      Ans:     Its by the Malaysian Cooperative Commission (SKM)

3.  Ques:   Whats the minimum & range of dividend pay-out?
     Ans:     The min rate is 7.0% pa, and gets more with bigger quantum of Deposits

 4.  Ques:  How come NUCW gives such a good rate of return of 7-9% & sustains?
       Ans:    It has stable good income from its services & growing
                   Also, the major pool of clients are the huge M'sian Civil Servants themselves

5.   Ques:  What are the sources of Income of NUCW?
       Ans:     a. Personal Financing Services: mainly Govt staff (1.3-1.7mil)
                    b. Member Savings and Contributions
                    c. Investments in Real Estate (eg 537ac of Palm oil Plantation bearing profit)
                    d. Other Potential Business Ventures (continuously growing)
                        (as of Dec-2024 approved financing itself amounts to RM 35.3mil)

6.   Ques:  Can foreigners participate?
       Ans:    Yes, they can

7.   Ques:  Whats the Investment amount preferred
      Ans:     We prefer Investors depositing bigger amount; say RM250k-RM5mil 
                   but lesser amount is up to NUCW consideration.

8.   Ques:   Can KESH or BizMerger collect or hold funds for this?
       Ans:     NO, cannot; they only facilitate. In fact, no can take cash.
                    All prospects pay through Bank & deal  directly with NUCW on membership

9.   Ques    What style & kind of people managing this organization
       Ans      Its managed professionally. The Chairman is Ex-Army Chief.  
                   The board are run by professionals & many have invested themselves
                    Policies skewed along socio-economic empowerment & democratic structure

10. Ques:  What are the Member's benefit that NUCW offers?
      Ans     *  Personal financing 
                  *  Financial Products
                  *  Share schemes
                  *  Retirement savings benefit
                  *  Protection Plans (eg. Islamic insurance)
                  *  Hospital admission benefits
                  *  Maternity Parenthood Benefit
                  *  Education incentives for children
                  *  Death and funeral support 

11.  Ques:  What's the opinion of KESH/BizMerger to choose this option
      Ans:     *  Its long established >21-yrs old
                   *  Has large membership base; >6,000
                   *  Nucw is in the business of financing & to Civil Servants
                       Its legal, sizeable & simple, yet worthy & expandable
                   *  Safe margin of return
                       Borrowing cost 7-10%, while the lending rate is 12-18%
                   *  Though, lock in period is 3-yrs, premature withdrawal could be possible on pre-condition. * Good profile of the Board & management team
   
12.  Ques:    Are this Article is the write-up of KESH/BizMerger?
                     All information herein is vetted by the Directors of Nucw
                     KESH/BizMerger may express opinion but the facts are of Nucw itself 
 

For further query, pls contact KESH
WApp +6010-702-6377 / +65-9009-9036
https://www.bizmerger.com/home/listing/502 

Sharing idea on Int'l business Opportunities

Opportunity for Malaysian Indian
targeting the INDIAN market 
 
India is the fastest growing large economy
Other large growing economies includes Indonesia, China, Brazil &  Russia
Other emerging markets include Argentina, Mexico, Poland, South Africa, South Korea and Turkey.
Whereas the smaller but faster growing economies includes South Sudan, Guyana & Libya.
Among the blocks; BRICS is the shinning star; thanks to USA for initiating the tariff war 

 

But for Malaysia entrepreneurs to grow

•  Ignore the tariff power play

   (And note that USA rivals are hungry for business)

•  The countries to focus are India, Indonesia & China 

•  But India is the fastest growing economy 

   India is growing in exports, military equipment, medical, tourism, etc 
And among the top 3 Indian states that continue to grow fast is the state of Tamil Nadu.
- its overtaken Pakistan GDP
- overtaking Malaysian GDP soon

Thus, Asean of Indian origin (especially Malaysian & Singaporean Indian) should take advantage before the competitions gets harder

a•  Tourism (2-ways) 

b•  FnB Food & Beverages 

c•  Trading of minerals, rare earth 

d•  MM2H - Msia, my 2nd home 

e•  Military equipment exports 

f•   Medical: 

g•  STEM education institutes

h•  JV projects between India & China with M'sia/S'pore or both

 

A.  Tourism

     -  Tourism Agency 
         Malaysian to India & vice-versa
    -   Development tourism spots in India 
         both natural & made made as well as new and existing
         including theme parks, botanic gardens,
    -   consider eco-tourism 

B.  FnB Food & Beverages 

    -  Dishes of Foreign & Indian 

    -  or by concept (Food court, herbal), etc 

       (without compromising on the quality) 

C. Trading of minerals;
     Rare earth supply 

     Process & production technology

     -  Indians from unstable foreign counties is a good source 
     -  Also, upper class retiree 
     -  those having family relations in Malaysia may consider

     from India to overseas (if U have the network); 
     Asean, Africa, Oceania, could be the markets

    - surgery (engage top Indian surgeons for local medical centers) 

    - medical tourism 

    - medical supplies, manufacturing, technological gadgets & tools, etc 

G.  STEM education institutes 

     -  with R&D element & G2G touch will be good 
    -  having OJT (on job training) attachment would be much better

   Getting Indian Co’s into JV with MNC’s co's of either or mix of M’sia, S’pore, Indonesia or China MNC's; to establish in either TamilNadu, locally or in a third country

Weblinks
 https://www.usthadian.com/tamil-nadu-economy-surpasses-pakistan-gdp/#:~:text=Tamil%20Nadu's%20GSDP%20in%202025,$132%20billion%2C%20now%20marginally%20higher.

(The above is not a comprehensive list. You may suggest any missing sectors. And you are welcome to contact BizMerger to secure the match for your biz or projects in Malaysia, Singapore and India be it SALE, BUY or JV)