Black September - I was there

Just curious, just want to see how the people will react to a simple call, an anonymous call in the Net, to wear black to protect their life savings. The call was simply to go there, shopping or walk around, and wear black. No compulsion, no free bus service, no free drinks and vouchers. At your own time, at your own expense. And some went. Were there a lot of them there? There was a noticeable presence of black, maybe 1 in 10. Some were obviously there in their usual black without knowing that there was purpose to be in black. But you could notice some who came in black and walked around with a purpose, knowing why they were there. There were a few families with kids in tow, in black as well, supporting the call, but very tentatively. And the SDP was there too. They attracted all the attention naturally. They had some placards with the words, 'Set Chee Free.' They were recognisable and organised, at least they stuck together as a group. And the media was there to capture the event if there was anything interesting to report on. The rest of the black shirts were just floating around, blending with the crowd as if part of the crowd. There was no focus, no concentration or a meeting point. And no one to take the lead. But that was the intention. Do nothing, do not disturb the peace. Just be there to register a point... Don't touch my money. And of course the good brothers were there as well. You can see them watching attentively. It was their job. A patrol car drove by once a while, unobtrusively as if a routine. I am truly surprised that a simple call on the Net could elicit such a response. If the call were more persistent, more widespread, and the floating black shirts were to assemble in a smaller area, be it inside Robinson or just in the concourse, the presence will be much obvious. A journey starts with a single step. Maybe.

Singapore a museum!

I think it is more a kiddies wonderland. Clean and green and spotless. And all the colourful leggo flats painted in bright yellow, green and red square or rectangular blocks. Walking through one of the estate is like Alice walking through a children's wonderland. Then there is the life size Disneyland in Orchard Road. Singapore is anything but a museum. The only resemblance of a museum is in Chinatown and some of the ageing estates when the oldies start to stagger around or dose off on the benches. Living specimens of a forgotten time. Walking through Orchard Road or Raffles Place and you can't find anything that is called aged. Everything is new and young, especially the living beans.

Notable quote by Ho Peng Kee

'No one in Singapore should be bereft of someone to turn to if they should need legal advice or help, including those who cannot afford to pay for it. Assoc Professor Ho Peng Kee Wah say. Help is available and on the way, to those who cannot afford to pay for it. I have several people owing me between $5k to $15k and I cannot collect from them short of bringing them to court or send a few debt collectors to paint O$P$ on their doors. Going to court would mean that I will have to cough out $3k-$5k for each case without even sure of getting my money back. Can I get help? Definitely no. Cause I can pay for it. But should I pay for it when the cost of recovery may be more than what my debtors are owing me?

All the hoo hah for nothing

The only thing good about the annuity proposal is to get people thinking and talking, creating a kind of buzz, a distraction, but all for nothing, actually. It will only affect a very small group of people. Maybe 1 in 10 will live to that age. May 2 in 10 of this group may need some charity. It is a scheme where many do not need. And those who need cannot afford it. It is like pushing insurance policies to the beggars in the street. What these people, who surely can do with annuity insurance, most probably have no money to pay for it. And they will try very hard to get their hands to the $3000 or $300 in their CPF or will cry for it. To them this is all they got and these few hundred bucks can do a lot of wonders to push back their appalling misery for a few days later. To those who have millions in their savings, they can pooh pooh or scoff at these pathetic beans. Ok, they have a good life. But do not do more to hurt the downtrodden. Forcing them to cough out their few dollars is more like squeezing blood out of them. It is painful. With such goodness being shafted down the throat of these desperate people, it is no difference from stuffing food down the throat of Peking ducks. No regard for their pain and suffering in the name of doing them good. Let those who think it is good for them, and they must have it, pay for it voluntarily. Then we will really see how many believe they will live pass 85 and will be desperate enough to want to depend on the pathetic $300 pm.

Finding a new way to engage the govt

Black September or Brown September, it was over without raising any eyebrow. There was no protest in the form that is recognisable. Nonetheless, it is talking back on something that the people, or some of the people, are disgruntled about. It is not about toppling the govt or anti establishment. But did it have any impact, or was it a non event, meaningless, not noticeable and forgettable? Then there is the online petition. Also a rather non event as it caters only to a small group of netizens. What else can the Singaporeans do other than writing to the media, in the net or writing to Reach, only to get an explanation that this is all done for his own good? Maybe this Black September thing, and the online petition, are the best way to say no, to say they disagree, not so much as a protest, and not threatening anyone or peace on the street. And maybe the govt too think this is a good way for the people to register their views without having to lay on them with the full weight of the law. It is a civilised way by a civilised people to make their point, in a polite way, as the issues are not life threatening or deserving of a violent protest. If these two ways are enough to make the govt listen and tweak whatever they are doing, we may see more in the future, of Singaporeans in black, heads down, mourning over a policy or decision that they don't agree. It is good for the people and good for the govt. The people saying it quietly, respectfully, not upsetting anyone and the govt listening quietly and nodding its head. And no opportunity for press sensationalisation.

The parents are responsible

I read in some quarters advocating that the parents of children who did the illegal downloading be held responsible for their behaviour. So would parents also be punished if their children steal, vandalised, take drugs, even murder? The parents cannot run away from sharing some of the blame. But to punish them for the misdeeds of their children? Shall we blame our education system or society too? Or shall we blame God and punish him for creating all the flawed humans? Where does the buck stop? It is so easy to pass the buck to the parents. Is this the way it should be?

Annuity, A rethink?

Not all needs to contribute to the annuity scheme. Those that could not live long enough. And those who already bought annuity insurance. What about those with pension schemes? I will proposed that all the ministers and mps and civil servants under the pension scheme be exempted from the annuity scheme. What for if they are already provided for in their old age? The same principle shall apply to all Singaporeans. Singaporeans who have provided for their old age, who have enough savings and assets, must be exempted. Otherwise it is another wasteful and foolish thing to add on the annuity thing. I will support a Means Testing to exempt people from the scheme. People who can prove that they have income or assets that are worth more than what the annuity scheme can provide for shall be exempted from it. And this Means Testing shall be extended to the minimum sum and Medisave. People who have more than $120k in assets that can be pledged to the CPF shall be exempted from the minimum sum. People who have medical insurance shall be exempted from Medisave. And no need to declare all the assets. Just enough to cover the minimum. A billionaire needs only to prove that he has more than the $120k and Medisave and annuity equivalent will do. No need to strip clean. And people who have children who have pledged to look after them shall be exempted. This will encourage the young to commit to look after their parents. There is no need to pah tau, pau buay and pau kah liow.

How to play with statistics?

Singapore residents by Age Group: 0-4 yr 196 K 5-9 yr 239.3 K 10-14 yr 263.6 K 15-19 yr 238.1 K 20-24 yr 222.4 K 25-29 yr 253.7 K 30-34 yr 303.6 K 35-39 yr 310.1 K 40-44 yr 331.2 K 45-49 yr 314.5 K 50-54 yr 260.5 K 55-59 yr 202.8 K 60-64 yr 120.8 K 65-69 yr 104.3 K 70-74 yr 79.7 K 75-79 yr 56.2 K 80-84 yr 30.9 K 85 & abv 25.8 K What do these figures tell us? There are many ways to read statistics. One can read it funnily, creatively, seriously, or to read it just to serve one's own perspective and declare, 'Eureka! the statistics support my case.' Look at the above statistics once again. Look at the age group from 30-49 and you will find the numbers are fairly constant. This means that most of them are well and kicking. Not dying. When they hit 50-54, there is an immediate drop of 54K. Looks like they started to die from 50 onwards. 55-59, another drop of 58K. And 60-64 another big drop of 78K. The bulk of the people dying are within the age group of 50-64. A decrease of 190K. Then comes a lull. The 65-69 groups seems to die lesser, only 16K. This is the safest group. The next big drop is the 70-74 group. Though the number is only 25K, it is actually 25% or 1 in 4 will die in this group. By then the survivors have dropped to only 79.7K. And the dying gets smaller but percentage wise gets bigger. Once hitting 75-79, 1 in 2 will die. The above 85 figure is a distortion as it includes everyone above that age. Oh, the babyboomers should be in the 55-64 groups. But their numbers indicate that many have already died. Isn't this a nice way of looking at numbers?

The people support the annuity proposal!

I woke up this morning and started to scan the msm. I was looking for a black page or some reports on the Black September event yesterday. The only thing black are the black words on white paper. I couldn't believe my eyes and went through the paper one more time. Confirmed. No Black September Incident reported. But wait a minute, as I look closer, more blacks started to appear. The featured policemen of the Star team were all in black. The lawyer was in black, CPF staff were in black. And the leaders attending the APEC meeting were in black. Duh, they wore black for a different reason. So there was no Black September to protest against the annuity scheme. And the online petition only received a pathetic 700 signatures, including mine. This should be enough evidence to prove that the people are all in support of the annuity scheme. I am just a minority. The govt shall now feel more comfortable to go ahead with the scheme and all the parliamentarians can vote with their conscience that the people are all for it. I still do not want anyone to mess with my life saving, even if it is $2. It's my money. Back off!

The cost of justice

In our first world justice system, the cost of justice does not come cheap. But that is the price that we have to pay for a first world system. Good quality cannot be cheap. The Straits Times reported about a school teacher who had a relatively minor road accident and was awarded $188 for damages to his motorbike. The other party appealed and through a series of court appearances, this poor school teacher is now landed with a $45k liability which he could not pay and a legal fee of $80k which he owed his lawyer. And justice is still eluding him as he has to engage another lawyer to defend him from paying the $45k compensation. He must be consoling himself for living in a system where justice will be delivered to him eventually. But if he cannot pay, his two lawyers will stand to lose all their fees when he declares himself bankrupt. Now I understand why there is a call to pay lawyers higher salaries. They are faced with professional risk of clients not being able to pay for their professional fees.

Talking back is here to stay

Janadas Devan wrote about talking back in the Net and how this development is here to stay. The genie is out and you can't put it back. Actually it is not about Net. This talking back phenomenon is growing by the days and will be equally robust and responsive in the main stream media if allowed to. We all know why there seems to be so little feedback in the msm. No fault of the citizens for sure. We have educated a whole new generation to think. And think they must. Having gone through the grinds in tertiary institutions, local and overseas, it will be very sad if the population still cannot think. We have taught them to read and write. And read and write they must and they will. Education is not simply to produce unthinking and mute workers. Those are machines. The voices in the Net may come in different hue and colours and vary in quality. Janadas said, 'At one end there are some exceptionally intelligent ones; at the other end, some exceedingly dumb ones; and in between, a vast grab bag of sense and nonsense.' And there are those that live and thrive in vile languages and seek pleasure in attacking everyone instead of discussing with their brains. And some of the superficial journalists scorned upon the netizens as a bunch of unschooled that are below their class. For these bunch of nose in the air journalists, Janadas has this to say. They ' should at least have the honesty to admit that the mainstream media too can be described in similar terms - some good, some dumb, and in between, a vast grab bag of middling sense and sometimes outrageous nonsenses.' The main stream media pride itself of bleached honesty. The Net surpasses it with its flying colours of honesty and dishonesty, unbleached and unedited truths and views, and styles of expression. The beauty of the Net is the freedom of expression and choice of lingo. Nothing is forbidden. This is where the msm will always be a far distance from the Net, dull and predictable while the Net is full of surprises. And one is dying while the other is blooming and spreading like wild fire. The fields of weeds swarming around the little landscaped gardens.

Quality journalists

By Ong Sor Fern I HAVE never, nor will I ever, read blogs. Yes, I am an information snob. I prefer my writing to come in published formats: newspapers, magazines and books. As someone who grew up on a hearty diet of old media, I trust these established systems of delivering information simply because there is quality control. When I read a newspaper, I can be assured that the journalist is subject to a code of ethics, his work has been audited by editors and his sources verified. Ditto a magazine and a book. Blogs, however, are a Wild West frontier, a welter of undifferentiated information that blends fact with opinion with merry disregard for consequences. No doubt there are intelligent bloggers out there. But trying to find them is akin to looking for a single brainy needle in an exceedingly large and, mostly dumb, haystack.... ________________ I must say that she is very logical and objective. And all her articles are not opinions but well researched, well edited and well verified.

Myth 160 - Explaining away a myth

Explaining away a myth Temasek is in London to explain away the myth. What myth? That it is a 100% govt owned fund or that it is going to buy up other countries' national assets? There is this New Zealander by the name of Simon Israel, probably an employee of Temasek, probably a New Zealander, wondering how the Israel part comes in, saying that 'The idea that Temasek is an instrument of the Singaporean Govt could not be further from the truth.' 'All investment decisions have been made by Temasek's board, Mr Israel maintained. The Govt receives a 7 percent dividend, and gets an annual update on performance - and that is it, he said.' So Temasek is a separate entity, nothing to do with the Govt. Period. Or we can borrow the style of our northern neighbour by saying, 'Temasek is neither a Govt owned or non Govt owned organisation.'

Black September - A day of reckoning

Sep 8 can be just like any other day. But it can also be a day where the people grow up and say we are no more third world coolies and farmers. It is a day for the people to say that they are ready to say no to policies that affect them negatively without resorting to violent protest. The wear black call is not a challenge to the govt by another political party. It is simply a statement by the people that they do not want the govt to tell them what to do with their money. It is a statement that no one shall mess around with their life savings. Now the issue is whether the people have finally shed their sheeple image and willing to stand up and be heard. It could be another day of disappointment when the sheepdogs appear to herd them into a corner. Or worst, no one appear in black. On the other hand, will the govt still take the stance that they are the self righteous priests speaking the words of wisdom and must be obeyed? Or will the govt matures as well and say they are willing to listen to the people and would not unleash the sheepdogs at the sheep, allowing more space for the sheep to express themselves? If that be the case, then we are really moving ourselves towards the direction of a developed nation with sensible people talking and govt listening. Or it will prove that we are still like Myanmar as far as political expression is concerned. Where will we stand on Black September Day? Or is it another dream?

Pau tau, pau buay, pau kah tsng

This is what Singaporeans are becoming. We cover our head, our tail(figuratively) and our backside. In no time we will be mummified. Pau ka liow. How many times must Singaporeans cover themselves and plan for their retirement? These are some of the things that Singaporeans, the sensible ones, are doing. Forget about the reckless ones. Nothing can help them. Even you make everything compulsory, they have nothing to be held as ransom. Their CPF will likely be empty. Ok, first they would have a little savings. Then they will have a little flat. And a little family just in case. And some will have a little insurance policy. And many will continue to work till they die. And they will have some compulsory money in Medisave. Ok this one cannot touch unless they are sick. No food, hungry, just too bad. Then there is the minimum sum. Now, all these not enough? Really not enough? How much more must Singaporeans do to plan for their retirement? Now compulsory annuity is being proposed. Sudah lah. Might as well give up all their money and live on plain water and fresh air, then wait for 85 years to collect annuity to live forever. Is this ridiculous? I think it is insanity! Shit, they forget to set aside a sum for their coffin and funeral expenses!

We need laws to protect our CPF savings

As our CPF saving is becoming an everlasting dream, getting stretching further and further into the uncertain future, the people better stand up and ask for some kind of protection that this will not become an impossible dream. It is our money and we must have a say in it and have it back as promise. Not rubber time. If we do not agree with all the recent proposal, we must say it now. Many have spoken in the media and in cyberspace. Some are going to say it this Sat, Black September Day. It will be interesting to see how many will stand up to speak for their own pockets. The govt knows that when it hits the people in the pocket they will wake up. Will they wake up this time round? The choice of black is an ingenious decision as it is a fashionable colour of the ladies. Ladies in black are every where. Many will be caught and probably didn't know what hits them when their innocent walk in Orchard Road is rudely disrupted. And this will apply to the young and the tai tais whose only interest is in fashion black and nothing else. Will be humorous this Saturday.

In the long run, we will all be dead

The new proposal to peg the CPF interest rate to bonds assumes that in the long run bond rates will perform better and CPF interest will be higher than the current guaranteed 4%. Who is the wise guy who claims that this made in heaven assumption must be true? Obviously must be some wet behind the ears talents who are still living in their dreams. Haven't we learnt that in the long run we will all be dead? Haven't we learnt that the same logic and assumption had been flouted to the people many years back and many times over, and all proven disastrously wrong? Remember COWEC scheme, a company employee welfare scheme that guaranteed a return higher than the CPF by investing this fund in stocks. The assumption was that in the long run the stocks would outperform all kinds of investments and the returns would be much higher. The fact that the scheme was buried and forgotten spoke loudly of this assumption. At one time, some analysts put up many charts and papers saying that over a 30 year period, investments in stocks would give a return of 30%. That let to the opening of the floodgate and CPF savings were poured into the stock market. There was an euphoria. But not for long. Many lost their life savings in the stock market before the long term return could run its proper course. It was a terribly big mistake and many CPF account holders were bled dry. Then this mad rush and faith in the stock market were quickly shelved and restrictions were placed to curb using CPF money in stock investment. The rest is history. Do not believe in the long run. The only certainty is uncertainty and death.

Black September Day

I have been reading about this Black September Day when Singaporeans are told to be at Centrepoint Shopping Centre and wear black to protest against the compulsory annuity proposal. It is plannd for 8 September at 4 pm I think. For Singaporeans thinking of attending this protest they must think very carefully. Will they live till 85 and beyond? If they do and they want to have some money to live by, they better not attend. Otherwise they will suffer when they do not have anything to live on. The compulsory annuity is their only guarantee for a life without worry. It is good for them. I don't think I will live till 85. And if I do, I know that I am comfortably provided. Not by this annuity for sure.

solutions to ease traffic jam

Another letter in the media suggesting how to ease traffic jams without resorting to higher ERP charges. He suggested that a few lanes be reversed to allow traffic on the jammed side to drive through as done in Melbourne. Actually all these are temporary solutions. The best and most effective solution is for the population to hit 6.5 million. By then the moment you drive out fo the car park you will hit the jam. That will deter anyone from driving. Then the obvious solution is to raise the ERP charges to $10 per pass and there will be passes at every turn. A drive out of the car park to work or shopping will easily cost $100. Would there be any jams any more? And HDB car parking fees can be raised to $300 a month as the cars will be parked permanently in the car park. And car park owners can decorate their own carparks to their own fancy as many will spend a lot of time keeping their cars company in the car parks than be on the road.

We are truly the best

Everyday when I read in the news of the resignation of Abe's ministers, all tainted with corruption and infringement of the law, I tell myself, 'How lucky we are.' We hardly have any cases of such nature among our law makers. All scandal free and upright. And the importance of having righteous men in govt, and finding them to be placed in govt becomes even more crucial when we compare ourselves to another developed country. No point comparing with developing countries. Japan's case proved that good and honest men are hard to fight, a very rare breed especially among the successful. Somehow, many gained their wealth and positions through some less than clean ways. And in this modern world when information technology makes it so easy to expose those who have done wrong, it is very difficult to hide a pair of dirty hands. Indeed we are blessed.