Kudos to Tan Kin Lian

The formation of an independent watchdog group is a great leap forward in the protection of the small people that are often left in the lurch. The Financial Services Consumer Association(Fisca) is a welcome move. Tan Kin Lian has done it again, for the small and helpless people. We need more of such organisations for the good of the people. What such associations need is more clout, say professionals especially in the legal profession, to take up their case at minimal cost. In our expensive legal system, the small people without money often fell victims to the rich or the faceless corporations. The next thing that is needed is a channel to air their cases. I think as time goes on, as they become more vocal, the only reliable and dependable channel is still the cyberspace. The cyberspace is the friend of the small people as it is free and truly neutral and will print anything for anyone. Good work, Tan Kin Lian and friends, of the people.

Another dangerous proposition!

I was greeted by an article in ST by Salma Khalik suggesting insurance coverage for the 85 and above. With all good intention, she made many good reasonings and suggestions on why this group needs insurance coverage and how it could be done. Why is this frightening? Money flying away again. This kind of help, is asking people to take your money for your own good. Please, no more help of such kinds. Please, I am screaming, shouting, no more compulsion or any kind to take the people's money away. I know my kpkb is in vain. This is a sounding board to test whether the docile masses will bite or protest. If not, be prepared, another scheme may come your way. Compulsory insurance scheme for the above 85s. Great, all grounds covered. More money in the lockup. For goodness sake, if one is 85, prepare to leave. Our body is not built to last forever. We are not meant to be here forever. What the shit does one want to live that long for when nothing works? Want another pair of corneas, another pair of lungs, another heart, another stomach? At that age, people shall be contented to live the remaining part of their lives peacefully, with minimum pain. For those who have everything and all the money, please insure all you can and live for as long as you can. Change all the parts if you can afford it. For the average human beans, any day longer is suffering, pain and misery. And the suffering is not only to themselves but to their children and caregivers. What is more merciful? To prolong the pain and suffering, the misery, or to depart when the time has come? Another high faluting idea?

Making sense of statistics

Today paper reported that the 60% sandwiched class had a reprieve for price increases in the first 6 months of the year. The increase in CPI for this group of people is 0.7%. The ST highlighted that the poorest or lowest 20% was the worst hit as the CPI rose 1.6% for this group. Both used the same set of statistics from the Dept of Statistics to report a different thing. So one group should be celebrating and another group, the poorest, should be crying. But these are just statistics. Look at the shopping centres, foodcourts, the property launches, and the mercedes benzes in 2 or 3 rm flat car parks, then you may wonder whether the people are really suffering. You don't see the overt and abject poverty around the public housing estates. Yes there were the occasional soft drink can collectors and a few lonely souls browsing the rubbish bins instead of the internet. They are the exceptions. Prosperity is in the air. I just recall the happy faces at the NDP and the hundreds of thousands of merrymakers out for a good time at the Esplanade, the Marina Bay and the Padang area. So where are the poor or the poorest? If our poor and poorest are still able to have a good time in the worst economic crisis we are faceing, and with the CPI running away, than things cannot be so bad. Time for celebration again. For the top 20% they can open that $500 or $5000 bottle of champagne, the middle 60% can open the cheap red from ShengSiong or FairPrice. And the lowest 20% can either go for some cheap beer or toddy. Celebrate within your own means. This is paradise, the modern day Eden. (Jaunty going to scold me now.)

Loan shark country II

Just when you think it is over, just when the men in blue declared war and successes in napping a few runners, they struck again. Saw the news last night that residents in some part of the country have to put a layer of plastics over their doors, windows and walls to avoid the paints that will come in the dark of the night. The loan sharks are quite fearless. Or are they sending out a message, that this is their country and they are the law or above the law, or the law is nothing to them? Yes they can defy the law, and what can the law do to them? The thing is that our reputation as loan shark country is growing and spreading, and loan sharks with deep pockets are sending their funds here from neighbouring countries. Soon we will earn the badge of being the number one loan shark country in the world. Another feather on our cap.

A new lifestyle

Singaporeans have many choices of lifestyle they wish to live by, at a cost. Take visiting families and friends for instance. A family of two adults and two children making social calls is not a cheap thing. The fortunate will drive to their destination and the immediate cost is the petrol. The road tax and car already paid for. Just the recurring cost, $10 for petrol and $5 for parking. And if they choose to park illegally, maybe another $30 to $80 if kenna caught by our superbly efficient parking attendants. The alternative is public transport, either by cab or train/bus. A two way cab fair is going to be at least $20 or more, depending on the distance. Even by mass transport, $8 may be the cheapest. Hey, leading a socially active life is not cheap and not free anymore. What can happen down the road is perhaps virtual visiting. Everyone hook on a webcam and sit in front of a PC or laptop to chat away, by the fingers of course. In visual contact but nothing physical. Now that is futuristic. For those with mother in law phobia it is the best thing to happen. Now I am wondering why is social life or family visit a thing of the past.

Political dissidents turned heroes

The South Koreans said farewell to one of their most loved leader, Kim Dae Jung, or Mr Sunshine. Kim Dae Jung is also hailed as the Nelson Mandela of Asia. He was demonised, turned into a villain and imprisoned by the political masters of his time. He spent many years behind bars, endured torture and death threats, but survived to be elected as South Korea's President in 1998. And history was rewritten. Kim Dae Jung was not the only one that went from dissident to national hero. Xanana Gusmao of East Timor is another example of the kind of treachery and political corruption in Asian countries even today. The abuses of political power to destroy political opponents is nothing new and hardly any Asian country can stand up to tell the world that they are free from such persecutions and bullyings of the losing party. The latest victims are Thaksin and Aung San Ssu Kyi of Thailand and Myanmar. Very likely they will have their stories rewritten someday. Malaysia is seeing Anwar Ibrahim making his come back and could be the next Nelson Mandela from Asia. The stories of Kim Dae Jung, Gusmao, Mandela and many more to come, are testimonies of the stinking political games that are being played by politicians, when innocent political contenders were painted blacker than black. We are so lucky to witness how these dirty political games are played for all to see. But would the masses be able to see the real from the unreal, the truth from the untruth? Or joining the winning side and enjoying the buffet is what counts and the 'villians' shall be villains for the day, until history favours them and turn them into another Mandela?

What we told the children

We teach and tell the children many things and many good values, don't cheat, be honest, be kind, be helpful, be caring to others, etc etc. These are values that the children take seriously and many would live by them as they turn into adults. As they grow older, we teach them more, serve the people and country, be prepared to fight and die for your country, honour, integrity and loyalty. But do we believe that they will live by them as adults? Or these are just values that are good to have, good to believe or aspire to, and that's about as far as we believe in them? In the world of the adults, the good values may be the same. But they are moderated by pragmatism. Be real. The adult world is not a world of make beliefs. It is a world where idealism is only idealism. It is all about what is in it for me. If there is nothing for me, forget it. Just enjoy the goodness of the meaning. It is better to be practical, pragmatic and live with a new set of values that will enhance one's self worth, material wellbeing and all the other trappings of being successful. Let the children and losers believe in all the goodness of things like honesty, loyalty, honour, integrity, fairness etc etc. Now I can understand why some people feel so disappointed about the national pledge. The more they believe in it, the greater is their disappointment, and the greater they feel like being a sucker. It is just another good to have, good to believe value. Not to be true, not to be real, not achieveable. Just an aspiration.

Property prices, an exercise in illusion

We have this property frenzy turning more crazier by the days. How much of this is real and how much are concocted to give the impression of real demand and real affordability? The ST carries several pages today with two conflicting views, that property prices are really affordable and with some cautioning that a bubble is in the building and we will have our property crisis like the US in the next economic downturn. Would we hear some sensible words of advice on this happy tragedy that is waiting to happen, or everyone is happily playing the monopoly game? A report by Citigroup economist Kit Wei Zheng said that prices at 19 times are now more affordable compare to the 40 times annual income of 1996. It is a relative game. From 40 times to 19, everyone should be cheering and rushing to get one unit. It is less than half price! The crazy and irresponsible thing is to let this go on and on. In fact it was utmost irresponsibility to let prices shot up to 40 times the annual income of the buyer at the average Singaporean level. But no one cares. Ahhh, caveat emptor. Nothing can be done. It is all good business and individual responsibility, and free market. Wny are we so concerned about people gambling in the casinos? Take a 20 year annual income as an example. It would mean that the buyer would need to pay every cent of his income for 20 years to fully pay up for the unit. And this also isn't true as the mortgage plus interest for 20 years will easily work out to be double the amount, ie, he needs to pay for 40 years instead, every single cent. Let's say that he uses half of his income to service the loan, wow, does it mean that it will take him 80 years to do so? Ok, double income family. So maybe 40 years to pay up. Still sounds good, provided neither of them loses his/her job. Then the increments and promotions along the way will make the repayment much easier. But still a 30 to 40 year repayment and a sum that is not small. In 1975 a semi D cost only 2 years of annual income, a 5rm HDB flat cost slightly more than 1 year annual income. That was why those who bought into properties then could sit on huge profits from asset appreciation. With today's prices, is there going to be a profit at the end of 30 years? We are assuming that many Singaporeans are rich and able to afford such properties looking at the attendance in property launches. We are also assuming that many Singaporeans in the future will be able to pay double the current prices if the present day properties are going to appreciate in value. What is very likely to happen is that in the next 10 to 20 years, there are bound to be several economic turmoils along the way, and people paying high prices and servicing high mortgages are going to be hanged for sure. For the time being, enjoy the party...if it is for real. Let's see who ends up with the baby when the music stops.

Time for celebration

Singapore is officially the 2nd most expensive Asian city after Tokyo. Bring me my wine, or champagne better, for such a great achievement. And with our salaries also at record high, property prices at record high, Singaporeans are a lucky lot to be able to afford such high living. How do I conclude so? No Singaporean is complaining. So all is fine. And foreigners are flocking here in bigger numbers, all laughing to the banks. There are plenty of money everywhere. A modern day Eden.

High faluting ideas to be demolished

I have glanced through a few papers and blogs and they were all talking about high faluting ideas and these need to be demolished. Now what is a high faluting idea? I search the web and found this: Meaning: (Regional slang) 1. Highly pompous, bombastic (speech). 2. Showing off, ostentatious, pretending to be above one's station in life, putting on airs. Ya, I agree. All high faluting ideas must be demolished. Which one? Anyone comes across any high faluting ideas, please tell me. PS. An idea that is faluting or not is very subjective. It all depends on who is saying what.

Cyberspace state of health

Or shall I call it freedom of speech? Between a communist giant like China and a democratic island like Singapore, I think it is quite shameful if we are to compare the freedom of speech between the two. Mind you, they have demonstrations every frequently. And I am not referring to those in Xinjiang but in Beijing and Shanghai. Back to freedom of speech. The first thought is that we must be much freer, and our bloggers must be blogging themselves crazy with a diverse spread of views, pro and anti establishment. In reality, the country that is freer in terms of blogging and expressing of views is China. Cannot be? In a comment in the editorial of the ST on the topic of India and China relations, the editor said this, '...few Indians know that there are millions of Chinese bloggers who express themselves freely and fearlessly.' The we look at our own cyberspace and netizens and ask ourselves, who can be qualified as 'blogging freely and fearlessly'? If there are such animals, they are probably blogging from overseas or found in P65.

Race and Religion the hot topic

After Hsien Loong's ND Rally, race and religion have taken on a higher profile with poeple agreeing that they should be discussed openly and not be tabooed, or fearing that someone will come knocking at your door. The general mood is that it is time for issues of race and religion be discussed. I think before such a great happening becomes a reality, people must accept certain limitations, constraints and ground rules to abide by. It is easy to start talking about them. But it is not easy to close the topic when things get heated up and when young blood or instigators join the fray. Discussing such issues, the demand for maturity, respect, sensitivity and an understanding ear are very high as the views put forth, when the views are true, genuine and from the heart, can be very tough to the wrong listener. In the case of religion, I think it is more difficult as certain doctrines and seeds of division and hatred are already deeply embedded over centuries in religious books. Unless such dangerous views are removed from these books, they will always be used by the wrong group as reasons to fight and kill. For such views and doctrines, which many believers chose to ignore or pretend that they do not exist, are intolerable or breed intolerance of those not of the same sect. Many are outright destructive. Would a revision be done by the wise men of today to erase those words, phrases and doctrines of the ancient and do a cleansing of these old books so that future generations can live in peace without such historical notes to invite them to be intolerable or to kill those who do not subscribe to their beliefs? How real, genuine and sincere can believers be when the doctrines are not of peace, not of tolerance and acceptance of others?

The return of LKY

LKY was in his robust best yesterday in Parliament. He stood up reluctantly to demolish a motion by Viswa Sadasivan calling for more equality among the races. LKY's position is that the Malays were the indigenous people of the land and were protected under Article 152 of the Constitution. Their special privilege and position cannot be removed by equality for all races. He was like a young man, full of fire in his belly despite his age. He stamped his authority and made it very clear that he is still in charge, that he is the boss. And when a difficult situation arises, he will be there. And this is bad. By his strong and persistent presence in Parliament, he has exposed a whopping big hole in the succession formula. Did any of the minister see the dangerous trend that Viswa was pointing? And is there anyone that can stand up and defend the position as robustly as he did, establishing himself as the boss man, to be able to speak in full authority and with that kind of forcefulness of a true leader? My view is that LKY should stay in the background and let the young ministers to take charge and fight their own battle, to be their own men. And he will do them a great favour by not rushing to battle as the point man. He cannot be around forever and it is better that the new leaders establish themselves fast while he is still around to avoid creating a kind of vacuum through the lack of a tested and accepted leader securely in place, one who can speak in authority and people will listen, like listening to him. Many people can see this problem. Unfortunately many wise men will choose to remain reticent and pretend that everything is going just fine.

Regulator did not overpay for MRT doors

This is the heading of an article in the ST today in response to the gripes in cyberspace over the cost of MRT screen doors. The article quoted 3 other sources for comparison. Half height doors 1. SMRT at $65.6k per door 2. Paris at $47k per door 3. Taipei's Danshui/Nangang lines at $84k per door Full height doors 4. Taipei's Neihu Line at $54.7k per door. Just the numbers, Taipei's Danshui/Nangang lines are the most expensive. But these were built in 2006 when material costs were much higher. The other 3 were built around the same period which are better comparison. The Paris line is being built by a Swiss company and their labour and material cost cannot be cheaper than ours. But they are 34.7% cheaper. The Neihu line is full height doors and is still 16.6% cheaper. The best comparison is between the Paris line and ours as the number of doors built are 1992 and 1920 respectively. And both are half height. Length of lines are 10km for Paris and 11km for our MRT. Both are being installed now. The numbers say that we are paying much more than Paris and Neihu lines. True or not?

Fine or jail for putting up tent at Changi

A resident was caught and charged for putting up a tent at Changi beach without a licence. He was fined $800 which he could not afford to pay. Instead he was jailed for 4 days. Wally, I hope it is not you. I am sure you pay for your licence : )

Loan sharks still a problem here!

It was a problem. Now it is a scourge of the land. What happens, haven't the men in blue been chasing after them all these while? Oh, they are now very sophisticated. Maybe even smarter than our men in blue. So it is difficult to deal with them or wipe them out. I can't imagine how the home team is going to deal with the big syndicates when the IRs are operating if they can't even handle the loanshark problem. Maybe the loan shark syndicates also send their key personnel on scholarships to Harvard and Cambridge to outsmart our brightest. It is now a talent versus talent game. Wait till the IRs are open and we will have another new ball game.

The remarkable Garden of Eden

What are the great things in the Garden of Eden. One thing for sure, man was innocent, so innocent that he went about naked without knowing it, thus knowing no shame. And his job was to tend the garden dutifully, knowing no right and no wrong. In other words man shall be unthinking. And he must be kept that way, for he was forbidden to know, not allowed to eat from the Tree of Knowledge. God did not want man to know too much, not to be as clever as him. There was also the Tree of Life, and man must not eat from it to live forever, like God. The line between man and God is very clear. The essence of the Garden of Eden is that man shall live there happily doing his part, tending the orchard. It was a life of blissful ignorance, and be like a worker. Thinking is not needed, everything will be taken care of. Leave the thinking to God. And God has all things planned, with all his wise schemes. And when man tries to be too smart, to be like God, he shall be banished from the Garden forever. Just follow orders and man will be ok. The Garden shall be guarded by a cherubim and a flaming sword to keep those banished from returning. How many of you would like to live a life of contentment in the Garden of Eden, full of ignorant bliss and no worries? And mind you, there is a paternalistic God looking after all your needs. Sorry Tommy. We are no Venice or Geneva. We are Eden.

We are short of doctors!

Our university can only produce 200 doctors annually. And the supply of doctors is anaemic, must be affected by our 2 child policy that we cannot produce more doctors. Or all the straight As and straight Bs students were not good enough. So now we are recruiting doctors by the planeloads from third world countries or doctors with degrees from third world countries. Our medical facilities have been expanding in leaps and bounds. Our needs for doctors, nurses and other medical professionals must also increase. Somehow I got the impression that nobody notice this. And now we have to import all the great doctors from all over the world. Actually hor, if we know we need so many doctors hor, we can increase the intake of medical students hor, then we got no doctor no enough problem you know. QED.

First MRT, next trains, then roads

The great success in saving lives at MRT station with the erection of screen doors has spawned more great ideas about saving lives at railway tracks. The open railway tracks are even more hazardous as no one will be there to watch over those careless souls wandering into the tracks. And the trains are so difficult to spot, probably installed with stealth capability that they cannot be seen or heard. The trains will creep up quietly to mow down anyone found on the tracks. In the My Paper today, there were many good suggestions on how to make the railway tracks safe for people or jaywalkers. Instal barriers, fences, electronic devices or maybe human patrols to keep people out of the tracks. But no one is suggesting the $126m screen doors. Ok, maybe they know that it is expensive. The most relevant and practical solution is like what Matilah suggested, barbwires, cheap, good and efficient. And this can also be used later when they want to keep the roads safe as well. I remember watching a CNA programme of a train driving through the heart of a market place in one of the Asian cities. Before the train arrives, goods and people were all milling and scattered along the tracks. But the surprising thing is that without any signal or any electronic devices to warn the people and stall holders, at certain specific moments, they will remove everything from the railway track and the train will pass by uneventfully. Once the train has left, the track and its surrounding will be packed with goods, carts and people again. The strange thing is that nobody will be run over by the train. Even in our backyard, there used to be squatters with their huts along side the railway tracks. Amazing that no one got run over by the trains. Wonder how such a miracle could exist for so long without casualties. Can we learn something from these unsophisticated natives?

Myth 208 - Foreigners taking over jobs and housing

These seem to be the standard complaints of Singaporeans. They are taking over our jobs and our flats. Now, are these happy or unhappy problems? Sell your homes to the suckers. Make them pay you a ransom for them. And with that kind of money, who needs a job, or who needs to work? Pack up and go to Lijiang and enjoy the life of an emperor. Why work, why coop up in a pigeon hole when the whole expanse of mother earth is there for your enjoyment? What are Singaporeans complaining? And there are many Lijiangs around the world where our strong dollar can be converted to buy anything. Singaporeans should seize the opportunity to upgrade their lives instead of thinking of working till they drop dead. Think laterally, think of better alternatives. Ahhhh Lijiang is beckoning. And they will do Singapore a big favour by helping it to renew itself with young and vibrant talents.