Welcome to Speak Asia - Asia’s Largest Community of Sovereign Consumers

8/6/2019 Welcome to Speak Asia - Asia’s Largest Community of Sovereign Consumers

http://slidepdf.com/reader/full/welcome-to-speak-asia-asias-largest-community-of-sovereign-consumers 1/11

The Concept

Why Join?

Compensation

E-Bulletin

Take Surveys

Register

Legal Documents

Purchase Subscription

Terms & Conditions (FAQ)

Contact Us

Terms & Conditions (FAQ)...Frequently asked questions for Speakasiaonline.com

Welcome to Speak Asia - Asia’s Largest Community of Sovereign Consumers

What is speak asia?

Speakasiaonline Pte. Ltd, Singapore (SAOL) is a unique web 2.0 company that empowers 1.9 lakhconsumers to create and use their collective bargaining power to get unprecedented price advantages ingoods and services procured through our portals. (For RP details see point 26) The only comparablesuccess in India is the unrelated http://www.echoupal.com/ which provided an improvement in thelivelihoods of lakhs of ordinary Indian farmers through its portal. With 19 lakh strong panelists andpromoted from an Indian origin, that seeks to remind the world, that the FUTURE of the 21st Century is ASIAN, w ith its epicenter in India.

What is its business?

The company is currently in two domains:

The first domain is “precision marketing”. In this the company engages in filtered/narrow casting of marketing and sales related services. These services to name a few are providing survey panels, Advertising, lead generating and also sales.

The second domain is to provide knowledge, information and training to its panelist, for their overalldevelopment in order to make them empowered consumers.

Speak Asia is creating a Panelist community of empowered consumers which earns rewards points by



participating in companies activities (e.g. surveys filling, product referrals / sales, advertising based surveys,self development training programs ) on the website. The panelist can use these reward points forpurchase of products and services from the website. The company’s business model is also to make profitsfrom product and service sales. However company bears the cost of utilization of the reward points, forpurchase of products and services at the website. In simple terms our Panelist community “EARNS ANDBURNS REWARD POINTS ON THE SAOL PORTAL” Speak Asia gets research done ‘on’ and ‘for’ different companies, products and services. Panelists earn reward points (RP) for participating with theirfocused and valuable opinions in the surveys.

SpeakAsia is a Singapore based company – when asked questions/info about Singapore, why did the CEO

mention that the compliance query was a petty issue? Is Non compliance an issue in Singapore?

For SAOL, any issue of non compliance anywhere in the world, is not petty, as no company would like tobe listed amongst the non compliant companies.

People have misconstrued the (X) sign placed at the Accounting and Corporate Regulatory Authority,Singapore (ACRA) website: http://www.acra.gov.sg/ The reason why SAOL was listed amongst thecompanies, which were non- compliant, was because the company delayed the filing/submission of theminutes of its AGM in time . This delay made the requisites of compliance according to SingaporeGovernment “non compliant”. It is interesting to note, that one of our competitors and 2 mediacompanies writing negative stories about SAOL are ALSO non compliant at http://www.acra.gov.sg/however 2 wrongs do not make 1 right.

We commit to our Panelists, that when this 1st startup Financial year for SAOL closes (June 1st 2010 -May 31st, 2011,) the company would be submitting every audited document On TIME and thus wouldclear all compliance requisites.

Speak Asia is a Singapore based company; are they authorized to do Business in India?

Online business portals without a PE in India have been legitimately doing business in India since 2000. Thelargest global, professionals community portal, which is also a web 2.0 “freemium” model iswww.linkedin.com (unrelated) and they have approximately 900,000 Indian subscribers, who enlist eitherfree or paid. Subscribers also participate in Polls and carry out other crowdsourcing activities. LinkedIn setup their Indian PE only in 2009 after they had lakhs of subscribers from India http://www.business-standard.com/india/news/linkedinsfirst-asia-pac-office-in-india/379799/

Is speakasiaonline legal in India?

The company and its business are legal.

How does Speak Asia Remit and/or Transfer Money to India?

Speakasia transfers the money from Singapore ONLY by Bank transfer, due to its very large IT systemalong with the Bank’s payment gateway. This facilitates direct money transfer to the accounts of panelistswithout them having to even visit their banks.

Singapore banks comply with the strictest security norms and use Telegraphic Transfer ONLY via RBI

registered banks in India.

Who are the promoters of Speakasia Online Pte Ltd.?

Speak Asia is owned by a holding company – Podium Ring International Ltd , registered in British VirginIslands. SAOL’s online Panelists are interacting daily with SAOL through its management, staff and advisers.Podium Ring is not in the picture for those interactions. The global CEO is Ms. Harendar Kaur supported byMr. Manoj Kumar CEO-India and the Speakasia team.

Is Speakasiaonline registered under Indian Companies Act also?

Speak Asia is not registered as a company in India as it is not a PE (permanent Establishment). The nature



of business is such that legally the need for a PE does not arise as per prevailing laws in India. However toeffectively support the business in India, Speak Asia is now going to open a PE in India soon, as has beenannounced in the press conference by CEO India – Manoj Kumar.

RBI, SEBI, Ministry Of Corporate Affairs and PMO gave clearance to SpeakAsiaOnline?

As per the knowledge of the Company and its advice received since inception, SAOL has not breachedany provisions of Indian law, RBI, SEBI, or any other government authority. However, it has come to thenotice of the company through its media sources that because of the negative campaign initiated by some

organizations, that RBI, SEBI, Ministry Of Corporate Affairs and PMO have initiated enquiry against theworking of t he company. SAOL welcomes this because this will help the Company to clear the cloud if any.

However, till date SAOL has not been contacted by any of the Government Departments.

The Company assures its full cooperation and participation in any enquiry or investigation initiated/conducted by the Government Authorities in India and in fact it reached out by email to all authoritiesincluding the PMO on 15 May 2011, requesting for an enquiry into its affairs since the allegations coulddamage its reputat ion and trust with the panelist community.

Does SAOL have any registered office or contact office of in India?

Speak Asia does not have its physical office in India. Its business model is such, that it has global partners

for call center, Support, Marcom, Technology and Training. Contact is easily made by Panelists using theircontrol panel system and by non panelist at the portal. However, a full-fledged SAOL establishment inIndia is on the cards. We will share details on this as we move along.

Who is heading the Indian operations of Speakasia Online?

W.e.f 15th May 2011, Mr. Manoj Kumar has taken charge as SAOL’s CEO- India. He announced at thepress conference, that shortly SAOL would be setting up its PE (Permanent Establishment) with offices in5 Zones across India, in order to grow the business in the years ahead.

According to RBI rules & regulations – any foreign company, operating out of India, needs to have a permanentestablishment/address in India. As promised earlier by SpeakAsia, there should have been a prominent

company address by August 2010. But considering the failure to do so, should people assume that money isremitted, is it money-laundering or any other illegal activity

This is SAOL’s 1st year. As a New Media Startup, Speakasia does not have a company registered in India asyet, thus, currently there are no promoters of Speakasia in India.

SAOL has appointed Staff, consultants and advisers to the company who provide advisory and consultancyservices to SAOL with regard to its activities in light of the Indian Market scenario.

SAOL has invested $Millions in IT and systems infrastructure globally and will be making huge investmentsin India in the years ahead.

SAOL remits money to Lakhs of panelists for cashing in part of the reward points EARNED by them. ThePanelists vary from students, housewives to SME entrepreneurs. Our activity is very similar to providing aportal for Contracting Programmers in the software industry, who do job work across the world and areremitted $000 into their bank accounts http://www.programmers-corner.com/article/20 Our activities areno different and are legal. We are very happy to explain our activities to anyone.

11th of May, as claimed by Mr. Vivek Gautam, SpeakAsia has clients like ICICI, Bata, Airtel etc – a) on whatbasis? b) Why did these companies say that they have no relations with SpeakAsia? c) Did SpeakAsia conductsurveys for these companies without their authorization? d) Why did the CEO, Manoj Kumar, apologize formentioning these companies’ names?

Across various parameters we had researched their product/services and Panelists were provided couponsfor the Bata project survey.

We had done surve s on the above mentioned com anies and not for them. So technicall the are not



.our clients.

As part of startup operations, the surveys conducted were for IT system, training of panelists andresearch work only. No authorization is required to conduct such type of market research.

Since there was a miscommunication about the surveys conducted on the above mentioned companies,SAOL India CEO Mr. Manoj Kumar apologized unconditionally.

Can Speakasia Online show its financial results of last few financial years?

Annual financial results filed by the company thus far are available on ACRA site. The results which arerelevant for Speakasia portal is the (1st startup year from May 2010 onwards). We complete full one yearof active operations on 31st May, 2011 and will file the returns after the annual audit is completed by ourInternational Top 4 CA firm auditor.

What is the revenue made by SpeakAsia from panelists in India? How much have panelists earned fromSpeakAsia?

Speakasia is not earning any revenue from the panelists in India. On the contrary, SAOL provides rewardpoints to India based panelists, for filling up correct surveys and for participating in other activities of SAOL.

Not every Panelist earns RP’s equally. If a panelist chooses to not participate in the SAOL portal or in any

RP earning activity, they will NOT earn the RP’s. Therefore if you do not earn, you also do not get paidout. These earned reward points can be either encased by the panelist or utilized for purchasing selectedgoods offered by SAOL. The Final audited numbers will be made available at the ACRA website, after theyear ended 31 May 2011.

Who is sponsoring SpeakAsia’s advertisements on TV, Newspapers etc?

Speak Asia Online Pte. Ltd is investing in promoting the brand through advertising, events, PR and othercommunications channels.

Who are the clients for whom Speakasia Online conduct surveys? Can we have the list of those clients?

Panel Business operates on the lines of multiple exchanges where panel providers are pooled in and theclients can take t heir pick of the panels based on their profile requirement direct ly or through brokers. Thepanel profile can be based on demographics and many other parameters. The selected profiled panel ispicked up like in any other exchange and the work is allocated to them. Hence the panels cannot knowthe clients name directly. (e.g. in a stock exchange we buy stocks but at the time of buying we do notknow who is selling those stocks)

This is the company’s confidential data, which unfair competitors would dearly love to know; hence thenames have not been publically disclosed .However our books of accounts clearly show the details of income from panel business and the agencies who gave us work.

What is the business structure for Speakasia Online? How is money distributed to panelist?

Speak Asia is creating a panel community of empowered consumers, which earns rewards points byparticipating in various companies activities ( e.g. -e-zine sales , surveys filling , product referrals / sales ,advertising based surveys , self development training programs ) on the website, including for India marketentry activities.

RP payouts happen when the panelist burns those earned reward points for purchase of products andservices from the website. The company’s business model is to make profits from product and service salesafter providing for the cost of servicing the reward points. Speak Asia gets research done ‘on’ and ‘for’ different companies, products and services; panelists earn reward points (RP) for participating with theirvaluable opinions in the surveys. Effective June- July 2011, advertisement based revenues will start wherepanelists earn reward points (RP) for watching the ads carefully and giving them feedback on the same.

Products are available with Speak Asia at special rates; panelists earn through saving on purchase or



reselling of products. The Reward Points thus earned, are redeemed through consumption of product andservices offered by the company .i.e. Panelists can book products ( such as mobile, LCD, white goods etc… aptly demonstrated in recent GenX bazaar at Goa where over 4,00,000 reward points were used by just 3,000 panelists for booking goods ) . They can also buy subscription codes for distribution. The leftover reward points can be encased on request made on the website. All cash requests are processedthrough the bank and money is sent from Singapore to respective banks through TT.

Is any background check of panelist is done by the Speakasia Online? What if panelists are using fake namesand id?

Yes, every panelist is required to provide an email id along with a mobile number and a bank accountnumber in his profile because SAOL remits into Bank Accounts only. Banks and Mobile companies are G.O.Iapproved for KYC norms and validated by their respective agencies that are audited by the variousauthorities.

Wherever we find instances of fraudulent misrepresentation, we shut down the id. See the websiteTerms & conditions

From which country the payment is made to panelists? If it is India, then on whose name bank accounts arebeing operated?

Payment to the Panelists in India is being made from Singapore through bank TT. Currently, there is no

Bank Account of SAOL in India, till our PE is set up.

Are Remittances to Panelists in India legally covered?

Yes , vide Master Circular No. 01/2010-11 dated 01.07.2011 issued by RBI in respect of Misc Remittanceto India.

What is the relationship between franchisee and SAOL? Are they the legally authorised representatives of SAOL in India?

Franchisees/Distributors have a distribution agreement with Global distributor Harem Ventures Pte. Ltd,Singapore (HVP) for selling subscription of the e-zine Surveys Today. SAOL is providing marketing

assistance services from Singapore to HVP w ith the use of its SAOL portal, for which it gets paid by HVP.

The subscription number / code is used for a panelist doing a FREE registration at the SAOL website. Thedistributors are also required to provide basic training to Panelists for using the SAOL site effectively .

These distributors are the authorized representative of HVP Singapore not SAOL. SAOL is about to set upits PE in India and as on date has only 3 authorised Legal Advisers in India:

1. AK Singh & Co

2. Phoenix Legal

3. KASHISH INTELLECTUAL PROPERTY GROUP

No other legal ent ity or person is authorized to represent or speak on behalf of SAOL.

Can Speakasia online show its legal/incorporation documents?

Yes, available at Singapore’s equivalent to India’s ROC. Anyone can carry out a “Misfile” search page:https://www.psi.gov.sg/NASApp/tmf/TMFServlet?app=MYBIZFILE-SHOP-CART&version=&S=926cf361e94397c4969b52f67ddb&D=&AT=OUT&isNew=true&Reload=true&AN=PP01

Are the RBI guideline’s regarding to foreign exchange being complied, if the payments are made to panelistfrom outside the Country?



Money is deposited by SAOL directly into the bank account of the panelists in India, using RBI authorizedbanks from a Singapore authorized Bank.

Subscription money paid by the panelist is deposited into whose bank accounts? Has Speakasia online obtainedany permission from SEBI to run a collective investment scheme, which promise assured returns?

Speak Asia does not run a collective investment scheme. Our panelists may choose to participate inTraining, they may promote sales of the “Surveys Today” ezine, work on the website, buy & referproducts and services. This does not fall into the category of collective investment scheme. Thus no such

permission is required from SEBI.

Why is the company refraining from the word ‘Investment’? what is E-Zine subscription? Why is companycharging for the subscription of a Magazine? How is it helpful to the panelists? (overall info on E-Zine Magazine)

The company is refraining from the word investment, because participating in SAOL absolutely cannot beclassed as an investment. Speak Asia is creating an online Panel community of “Empowered consumers” which earns rewards points (RP’s), by participating in various companies activities.e.g. Surveys filling,product referrals / sales, advertising based surveys, self development training programs. This is not aguaranteed return and varies from panelist to panelist based upon their individual efforts.

Speak Asia gets research done ‘on’ and ‘for’ different companies, products and services. Panelists earnreward points (RP) for participating with their valuable opinions in the surveys. Thus the panelist gets

money in lieu of the surveys they file as per SAOL Terms & Conditions. It is not an investment scheme,where panelists invest money and they get a return on it.Thus our business structure does not fall intothe category of any investment scheme.

In fact it has been very clearly communicated by the company right from the beginning that people joinSAOL for free. The 3 ways to join and participate on the SAOL portal are: To produce an incomestatement from any of the global top 20 online survey companies, showing an annual income of $1000 ormore and join SAOL for free.

By appearing and passing a test and an interview one can join SAOL for free.

By subscribing to E-zine “Surveys Today” for Rs.6, 000 for 6 months subscription and Rs. 11,000 for ayearly subscription one can join SAOL for free.

e-zine “Survey Today” is a magazine Globally Distributed by Haren Ventures Pte. Ltd Singapore (HVP),which contains information about various products and services and market research techniques etc. Thesum of Rs 1,000/- or 6,000/- or 11,000/- that the panelists pay is for various types of subscription of thee-zine “Survey Today” and this is not an investment.

The subscription to the e-zine is only one of the three ways which makes the panelist eligible to join SAOLportal for FREE.

It is entirely the prerogative of the panelist to choose any one of the three ways mentioned above tobecome a Free panelist at SAOL.

What is the term for any revenue earned by the panelists?

The Panelists earn only in reward points (RP) http://en.wikipedia.org/wiki/Reward_points againstmarketing activities and research work actively carried out by the panelist. An explanation of Reward Pointsis at:

An explanation of the Rewards Points “lifestyle” concept can be found at the unrelated but world famousweb portal and internet pioneer, Second life. http://community.secondlife.com/t5/English-Knowledge-Base/How-to-get-Linden-dollars/ta-p/700085

Conceptually the web portal user can use these type of reward points for purchase of virtual and in othercases, Real products and services from the website. Earning RP’s is similar to other Global portals.

By now, SpeakAsia has collected a revenue of approximately 300-400cr from people in India, where is the

mone utilized and how? Is it sent out of the countr ?



During the 1st year of SAOL operations, starting May 2010, serious INVESTMENTS have been made tocreate the portal, IT & communications infrastructure along with seamless online Banking systems costing$millions.

As our 1st year ends on 31 May 2011, our Auditors (Top 4 in the world) are working with our accountsdepartment to ensure that very soon we would have Audited information to share with competentauthorities.

SpeakAsias business model as reported in the media, seems very much like any of the approx. 4,200 MLMcompanies that exist in India; then why does SpeakAsia refrain from the term ‘MLM’?

It’s a complete misconcept ion t hat SAOL’s business model is like any other MLM company. Only one part of our business activity, allows people to earn referral RPs and referring is not a compulsory activity for allpanelists (unlike an MLM company). A person can easily continue participating in the company’s marketingrelated services and continue earning RPs without participating in the referral program. This is unique toSAOL and that is the exact reason, why SAOL is not a typical MLM company where enrollment is the wayto earn. It’s a misconception that SAOL’s business model is like any other MLM company. Because only apart of our business activity, allows people to earn referral RPs and referring is not a compulsory activity. A person can easily continue participating in company’s marketing related services and continue earning RPswithout participating in the referral program. Which is unique to SAOL and that is the exact reason it isnot a typical MLM company where enrollment is the way to earn.

In India, for participating in a survey, a consumer gets approximately Rs. 60/- per survey. Why does SpeakAsiapay Rs. 500/- per survey? How does SpeakAsia manage to pay such kind of money? Who are the clients?

Reward points for doing online work are not a strange or unique idea at all.

There are many examples of unrelated businesses: https://www.globaltestmarket.com/ and othercompet ing online survey companies. Our Payment of 10 RP (conceived value of Rs 500) is based on meanon international trends as we participate with global panel exchanges. International rates vary between$10 to $150, depending upon profile and domain complexity and specialization required for the surveydata. For any panel providing business, it’s a business secret with their end client (mostly MNC’s) and arelegally bound confidential and strict Non Disclosure Agreements. Further, SAOL participates in over 1,200Panel exchanges and panel exchange programs across the world. It is these exchanges, which are in direct

contact w ith Market Research (MR) companies or the final clients, for whom these surveys are conducted.We have no access to the details of the MR companies, nor their final clients for whom our panelparticipates in surveys through these panel exchange programs.

Are there any legal cases pending against Speakasia Online in Singapore, India or any other jurisdiction? Whatare the status of such cases?

None till date

What recourse does the panelist have if speakasia online stops making payment to them?

Without prejudice to their legal rights, to enforce SAOL obligations to Panelists. If banking operations are

undisturbed, the company reserves in its accounts, amounts equal to estimated payments for the month,at the beginning of every month. SAOL has offered to put funds equivalent to its 2 months payouts , inan escrow account which can be used for making any payment to the panelist through its bank account.

Recently the media said that SAOL was owned by some Podium rings international, while all this while thecompany had said it was promoted by 3rd generation Indian lady in Singapore, a Ms. Harender Kaur. So what isthe right status? And if it is owned by Podium Rings then what does this mean for panelists?

This is public information and is available by doing a BIZ file search at http://www.acra.gov.sg/ In commonwith many digital and also news media companies; (The most famous example for VOIP is Skype, whichwas owned by an offshore company in Luxembourg for Tax Planning purposes) Speak Asia is owned by aholding company – Podium Ring International Ltd , registered in British Virgin Islands. Digital/New Mediacompanies use offshore holding companies as a legitimate part of their corporate structure, which has



been properly declared to ACRA at Singapore. The Panelists are interacting daily with SAOL, itsmanagement, staff and advisers. Podium Ring is not in the picture for those interactions.

What is a relationship between Haren Technologies and Speakasia Online? Why is SAOL’s name changed

This is public information and is available at http://www.acra.gov.sg/ Speak Asia Online was earlier namedas Haren Technology Pte. Ltd. The name Speakasia better reflects the long-term BRAND which is beingcreated.

In which all countries does Speakasia Online have its presence?

Singapore is an already well served Panel location. The SAOL operations in Singapore are limited and thepanel size is very small. Thus no surveys are being done there.

In July 2011 we plan to actively acquire new panels in Singapore , Malaysia , Indonesia and Philippines forwhich a new office has already been acquired in Singapore (as news reporter visits have clearly shown!).

Are the same types of surveys conducted by Speakasia Online in Singapore also?

Being an online activity the company panelists have registered from many countries such as Australia ,Singapore , Bangladesh , India , Malaysia , Phillipines , Indonesia , .. just to name a few . Full scale “incount ry” act ivities of the company have commenced in India and other will follow soon .

Bangladesh is in the blogs why?

The company is yet to officially start the business directly in Bangladesh and is studying the laws and otherstatutory requirements applicable t o its model, before going there w ith its direct presence.

Why Speakasia Online has stopped its working in Bangladesh? Why are people associated with SpeakAsia inBangladesh arrested?

SAOL does not have any direct operations in Bangladesh and hence cannot comment upon this

statement.

Also we are not aware of the pertinent facts of the case and thus would refrain ourselves from makingany comment.

What all legal actions have been taken by Speakasia Online to protect its image in India and all over the world?

We have already approached all legal and governmental authorities in India ( such as PMO , Ministries of Finance , Company Affairs , Home Affairs and Law enforcement authorities ) through official communicationfor presenting our business , financial and legal framework as our PE is soon to get underway. Further, wehave engaged the best of the breed organizations in their respective fields such as Legal& IPR,Management Consulting, PR, Legal, Tax compliances, Marketing Communication, Training etc.

Recently at a press conference, a company’s Legal Advisor said that when the company stops getting moneyfor surveys from its Panel Exchange clients, the company will stop paying the panelists. This has apparentlycaused some apprehension amongst the panelists, as they feel insecure about future surveys.

Unfortunately, this has again been misquoted and misunderstood. In our business model, Surveys comprise1 business element. SAOL’s company activities have already added new advertisement based surveysbesides other avenues of generating income. We can assure all that Surveys will be a part of the companyactivities along with the new products and services to ensure continuity.

As the company grows how does the company plan to support the panelist payments ? Survey income wouldnever be enough therefore would the company wind up with all the money or keep going only till the panelenrollment is on; as the company’s real business is money rotation by enrollment?



The company doesn’t run on the funds generated by the panel income as the company doesn’t chargeanything to the panelist so the point of the company surviving ONLY as long as the enrollments are on isnot true. Since survey is just one of the activity that a panelist engages in and not the complete bouquet.SAOL has multiple revenue sources like:

Panel sales (surveys) AdvertisingDirect sellingProduct salesTrainings

In future SAOL also plans to add more to its revenue source by joining hands with:

Mobile service provider - Mobile Virtual Network Operators (MVNO)TV Channels And many more...

Who are SAOL’s bankers in Singapore and in India?

At Singapore, the company was banking with United Overseas Bank (UOB) until 27/5/2011 and in Indiawe do not have a bank account until PE set up shortly.

The Company claimed of having a server farm and headquarters in Singapore; but on a news channel’s visit, itwas found that the office has only 9 staff and that too only accountants. And to top it all there is NO SERVER FARM. What does the company have to say about this? Can the company come out in the open and explain thisand actually tell what is the total number of personnel does SAOL have? And what are their job profiles?

It is sheer ignorance of anyone, to expect server farms in a corporate head office. Server farms aremanaged by specialized, highly secure data centre management companies. See this brief note to explainabout centers. http://en.wikipedia.org/wiki/Data_center Our Cloud Hosting infrastructure resides withinservers in the Singapore, USA and other secure locations. SAOL clearly explained to the visiting reporter atSingapore HO, that our server farm was co-located at a secure Managed Hosting services provider inSingapore; but the reporter insisted upon only visiting the Head Office instead. Some interested peoplealso expected “survey farms” … well there is no term like survey farm known to us or to any other panel

aggregation companies. The 9 people in Singapore office are accountants, because Singapore is our Headoffice and like other web 2.0 companies, so far we didn’t need more people there. In fact, SAOL isalready preparing itself for the future and has taken up another office besides the HO in Singapore. Whilstin India the company has already taken steps to set up its PE. By the year end, SAOL will have 5 Zonaloffices across India.



Home | About us | The Concept | Why Join | Compensation | E-Bulletin | Take

Surveys | Purchase Subscription | Register | Terms & Conditions | Contact Us

(c) Copyright 2008-2011 All Rights Reserved. Best Viewed in 1024 x 768



Speakasiaonline.com