NTUC Dental Care

Lee Wei Ling wrote an article in the Sunday Times today complimenting Singapore doctors for not doing unnecessary medical tests and cutting down medical cost. I had an experience last week at NTUC Dental Care when I was coerced in a way to have two Xrays taken or else no treatment. I went just to repair a tooth filling that was chipped off. A simple removal of the existing worn filling and refilling it with new amalgam should do the job. The dental surgeon insisted that two Xrays must be taken as evidence of the state of the tooth and should the hole be too big and necessitate a root canal treatment, then she would be protected in case I complain that it was her fault. I want to say 'f'. This really pissed me off. I was at the verge of sitting up and walk out of the clinic. But I held back as it was a small matter and did not want to waste more time since I had already made the appointment and sitting on the dental chair. The reasoning for the extra two Xrays was unacceptable as it was done for her own protection against complaints by unhappy customers. Here she assumed that I would be an unreasonable customer, that the hole in my tooth could be bigger and required canal treatment, and I would complain against her. So I kenna paid for two Xrays for her protection just in case. At the end, after the treatment, there was no big hole that required canal treatment except a big hole in my pocket that was unnecessary but for her own good. And now, I am complaining for a different reason. I actually did not want to raise this minor issue until Wei Ling's article reminded me of how medical cost can go up for all the wrong reasons. And if my experience is the norm, then many NTUC members or NTUC Dental Care customers must have been made to pay for unnecessary tests. NTUC being an organisation to protect the welfare of workers should rethink this stupid practice and save the workers some money. No, I am not going to complain to Swee Say about this. Too tedious and time consuming. But any NTUC leaders or members reading this may want to take note and bring this up to him. It will save the workers some money and avoid being abused by such arrogant attitude of some practitioners.

Singapore University Education quality up

The tuition fees for Singapore universities and polytechnics will go up in the next academic year. The reason given is that the cost of providing quality education is going up. The fee hikes range from 3% to 6% for universities and 2% to 3% for polytechnics. The increases for NUS and NTU were 4-6% which are higher than SMU’s 3%. At the rate it is going the quality of education in NUS and NTU will improve tremendously over that of SMU. And I can presume that SMU will have to improve its quality next year by higher fee increases just to catch up. Students in NUS and NTU will be celebrating in the increasing quality of their education. Students in polytechnics will have to make do with only 2-3% improvement. If university fees were a guide to the quality of the education provided, then the fee increase must be accelerated. Then it will only be a matter of time when the quality of our university education be betterer than the top universities in the West. And students who can afford to pay more for quality education will be flocking to this education hub for world best university education.

What high COEs will mean

If a taxi cost another $50k, you can bet the taxi will go up accordingly to cover the extra cost. If school bus is also in the scheme, you can bet that bus fees will go up. At $50k more and a 7 year life span for a taxi, it simply means $7k more to write off a year or $600 pm more to charge to the commuters. The school bus will have to apportion the increase to the 20 to 40 kids in a bus. The goods and delivery vehicles will have to be cost in which means ultimately everything will be cost in. Don’t think it will only affect the car owners or ex car owners. The multiplier effect will quite widespread. And anyone buying a $100k car will not park it in the car park for show. It is too costly to waste away. And insurance companies will be laughing to the banks with car values going up. More people changing to public transport means the public transport system will have to take on heavier load. More buses and trains, more sardines, and more cost. Somehow, whichever way, the cost is still up. Why like that? COEs, ERPs, public transports, no matter which button is pressed, commuters got to pay more and bear with bigger inconvenience.

A brilliant American analysis on rift in China leadership

A REUTER report quoting Pentagon official’s comment about the maiden flight of China’s stealth fighter aircraft is simply brilliant. It said that Hu Jintao and other top Chinese leaders did not know about the test flight, implying that they were kept out of the loop. So there is possibility of a rift in the Chinese leadership, between the civilian leaders and the top brass in the military. I am impressed with the quality of the analyst and the value of this report. The readers must now all believes that the Chinese leadership will soon fall apart and a coup is taking place. My simpleton layman observation is that Hu Jintao and his comrades were too busy with their preparation for Gate’s visit and all the briefings they were given were forgotten, or they did not pay any attention to them. Or perhaps the reports were all on their tables but they got no time to read as they were thinking of how to make Gates happy during his visit to China. So no miscommunication. Just a slip of the mind, or too busy. I think my analysis is equally brilliant in a way. But the Americans and the western media can keep on hoping that China will collapse or a leadership struggle will take place and breaking up China like the Soviet Union. PS. This American view is news worthy woah.

What is good leadership in govt?

There are many aspects about govt and leadership to talk about. Let me just say a few things about what good govt and good leadership mean from a micro perspective or from a single factor. A good govt leads by bringing the people with them, through persuasion and education. It educates the people and encourages them to think, to make rational decisions for the good of people and country. A govt that does not educate, talk down on the people and threatens the people with all kinds of negative scenarios, gimmicks and abuses the law is never a good govt. It is more like a dictatorship, a kingship or a totalitarian state. Mature and democratic countries must not only have democratic institutions but also a mature and educated people who are ruled by reasons and persuasion and who participated actively in the politics of the country. A nation of well fed people but unable to think independently, unable to decide what is best for themselves but being dictated and controlled in all ways is nothing but like a fat bird in a cage, feeling very well and comfortable materially but empty in spirit and restrained in freedom. What kind of leadership and society are we living in or do we want to live in?

The most stupid question being asked

With the US crying foul, that China is developing carrier killer missiles and stealth fighters, the most stupid question being asked over and over again is this, ‘What is the intention of China?’ And this question is not being asked by the layman but by military top brass, strategists, professoris and China experts. My answer is very simple. China is manufacturing them for fun. Or maybe China needs them so show to the world that it has come of age. Or the Chinese leadership, like the North Korean leadership, just wanted to fight to prove its manhood. No, not good answers. So what should be a good answer? Maybe asking the Americans why are they spending half of the world’s defence budget would be indicative of what is the real intent of China. Actually the silly question being asked reflects how stupid the questioner is. Then many will quickly jump to the conclusion, China has aggressive intention. China is preparing a war with the US. Another silly thought. Today, war between the super powers is obsolete. Only monsters and maniacs would ever think of a war between the super powers. The destructive powers of their arsenals are unbelieveable and when unleashed could wipe out both countries and the world together. Superiority in arms, whether on the side of the Americans or the Chinese or the Russians, has become meaningless. For any one of them can inflict enough harm to the other party to keep them away. Even the reckless and irresponsible nut called George Bush Jr would not dare to start a war with China when he wanted most. There will be no winners or survivors. This is the stark reality of super power warfare. So what is the intention of China’s military build up? The answer is simple. It is to prevent war, to prevent adventurers from attacking China. The fate of Iraq and other lesser nations are evidence for China to build a strong military to avoid the same fate. North Korea is doing the same and is saved by its nuclear weapons. Would the crazy Americans, South Koreans or Japan dare to strike the North Koreans? The Americans might at this moment, if they believe that the North Koreans are unable to launch an ICBM to American soil and any hit will be at the expense of Japan and South Korea. The latter two would be foolhardy to think of having a war with the North Koreans. As long as China maintains a military force that can wipe out the US should it try to do it to China, China is safe from war and foreign invasion. The thought of China building its military force to start a war with the US is mischievous and childish. For China to do so is courting its own annihilation. So, would anyone still want to ask the silly question of China’s intention? The only reason for asking such a question is to be mischievous, to create fear and to tag China as a war monger. Period.

Straight A1s everywhere or is it inflation?

The recent O level results must have made many parents very happy. The students themselves no need to say, must also be very happy with the fruits of their labour. The teachers and schools too must be proud too that their efforts in educating the students were a scintillating success. And the MOE too can tell the world that our education system is the best in the world. Maybe the students in Raffles, Hwa Chong and the other SAP schools would have a different kind of feeling. They have been robbed of a chance to own a piece of certificate that says, 10 A1s or 9 A1s. If they were to sit in the same exam, they may even get A1 stars. Being the crème ala crème of the cohorts, the MOE perhaps should devise something like an honorary certificate for them. If the students of these top schools were also graded, we could literary throw a stone in a crowd students and hit a 10 A1s. There will be so many 10 A1s to the country proud. It will be another feather in the Guinness Book of Records for the number of 10 A1s and 9 A1s in an O level examination. And every year we can aspire for the record to be broken. And we don’t have enough talents and need more foreign talents to improve our stocks. Aren’t our straight As students in the world’s best education system better than foreign talents from other countries? Maybe not. Many of the top students O level students are from foreign countries too.

Case against minimum wage

This seems to be a hot issue in Parliament yesterday. And it is obvious that there will be one camp against one man. After hearing the reasons given, I am on the side of the camp. One dangerous principle of minimum wage is that an organization may be forced to pay some donkeys sitting there and not wanting to work. The examples brought up were short of hilarious. Workers did not want to work in kitchen because it is too hot. I have heard of cleaners complaining that their jobs were too tough, people find midnight shift intolerable. Basically complaints of all kinds about jobs. May I then offer to aircon the kitchens, make all the jobs soft and cosy, no midnight shifts, or provide restaurant meals and gym membership to the workers to make working a pleasant past time? Look at the other extremes, the politicians. Ask them to wake up at 5am to flag off a marathon, they will say yes. Ask them to go walkabout to shake every stranger’s hand, they will say yes. And they have full time job from 8 to 5. And in the evening they are everywhere, attending wakes and wedding dinners, community events, MPS, board meetings etc etc. By the time they got home they would have put in a 25 hour day work. And they are not complaining. Some work so hard that they did not even have time to attend Parliament or have to force themselves to stay awake if they did attend. And their hairs are prematurely turning white. Poor buggers! They are the best examples of exemplary work attitude. Never say no, never complain. Just work and work. Workers with such good attitude would not need to ask for minimum wage. The organizations will automatically pay them more.

Signs of rising intolerance

A Maureen Foo wrote a letter to Today paper yesterday complaining about noise in the HDB void decks. And her complaints included children cycling and rollerblading in the walkways. These are signs that the intolerance level of overcrowding is beginning to get to the nerves of the people. When space is aplenty and one needs not bang into another so frequently, community living is a joy, or at least bearable. When one starts to bump into one another in every corner, the nerves are likely to flare. When have people become so irritated with the aunties and uncles spending their time at the void decks or children playing in the HDB estates? Such problems will keep on increasing as the population grows. Those crazy people who want a 10m population here need to be sent to the firing squad. Oh, I just say this figuratively hor. Even husband and wife will get onto one another’s nerves when the novelty of marriage life starts to wear. The little irritating habits when repeated or accumulated and prolonged can be unbearable. This paradise will soon be turned into an inhabitable place when neighbours will start to give hostile stares at one another, commuters punch ups in public transports or people fighting in hawker centres or on the streets. The white mice effect is about to erupt if we are still complacent and think it is ok.

I disagree with Temasek Review

I disagree with Temasek Review, or more specifically with an article titled, Buoyant property prices a sign of rising debt as opposed to rising wealth? by a Singaporean. This is what I disagree with and I quote the first paragraph, With property prices escalating into no man’s land, we see paper wealth rise with the proportion of debt. This is brought about by loose housing policies coupled with the loose granting of Permanent Residence to foreigners, this diabolic formula creates a surge in demand, and inflates prices way beyond their actual value and affordability. Ok, I disagree only with the last phrase which I have highlighted in bold. Who says our property prices are way beyond their actual value? Our property prices are exactly what they are, determined by the market of course. And no one can fight or manipulate the market. It is real market price. And secondly, who says they are beyond Singaporeans’ affordah..bility? I read everywhere in the media and in official speeches that Singapore property prices are affordable. And the govt is ensuring that they are affordable. So they must be affordable. Period. Ok, I must agree that high property prices mean high debt. High debt means high risk and can be turned into a nightmare for the debtors. I pray they don’t have to jump off their market value and affordah…ble properties when a crash comes along.

What is bucket shop?

Those trading in stocks and shares or in financial products are quite familiar with the term bucket shop. The term is often not look at kindly and smell of distrust and a con job. They are supposed to trade in commodities like coffee bean, sugar, oil, wheat, pork belly etc etc. The general impression is that new investors often were attracted by the good returns and also tended to make money in the first few trades. Subsequently they will lose their pants, lock, stock and barrel. They have a similar modus operandi. They make sales talks of good returns to their potential customers. And whatever trades they ‘executed’ in the early part of the game often ended in big winnings. Then they will advise the investors to put in more money for bigger wins. Most investors obliged thinking that it was so easy to make money. And they will pump in more money and will receive monthly statements of winnings that will make them smile. The catch is that they cannot withdraw whatever money they put in. Their brokers will try all means to prevent them from withdrawing their money. These could be sweet words of good returns or more schemes to keep their money in. And if they fail to persuade the investors from withdrawing, the investors will be hit with their first shock, losses. All their trades will now be reported as losses and big losses. And any withdrawal will be less than they put in or even nothing left. In worst cases, they even owe money to the bucket shops from big losses. The trick of bucket shops is to keep asking their clients to put in more money and more money and to generate glowing reports of profits in their monthly statements. And the clients will be very happy just looking at the reports. What they did not know or did not ask is whether there is really any money left. Often actually not a single cent is there. The money is all gone except on paper, printed in the monthly reports sent to the clients, to make clients happy and to encourage clients to put in money into a bottomless pit. In short, this is what bucket shop is all about. Put in money and don’t expect to see it anymore.

TOC to be gazetted as a political association

Just read this from the TOC site. They have received an email saying that the PM will be gazetting it as a political association. By this it means that it cannot receive financial and other support from foreigners. My crystal ball says that in the next election TOC may go all out to be a political party and contest the election with its own slate of candidates. And my feeling is that their candidates could be as worthy as any candidates to be field by the rest of the parties. This is an interesting development in the politics of Singapore. Go for it TOC.

More caring MPs

Several hot issues were raised in Parliament yesterday. High COE price was expected to be in discussion. Though the outcome was that measures have already been taken to prevent speculation, the most crucial part that contributed to the high COE price was left untouched. The present system is flawed in the sense that a bidder can bid any astronomical price without having to pay for it and only pays at the lowest successful bid price. If nobody can see that this is a big flaw and should be removed, nothing else needs to be said except to live with this brilliant system. The MOE scholar’s involvement in child pornography was another hot issue. Lee Bee Wah suggested that schools should divulge more information on scholarship applicants for the ministries to make more comprehensive assessments before granting scholarships. This is definitely a good suggestion. I have a better one. Parents must also declare the misdeeds of their wards applying for scholarship. You just don’t know what they did at home or out of school. See, all areas covered. Sure no more errant scholars. Another interesting issue was on parental responsibility in raising children. Parents who are unable to take good care of their children will have their children taken away. Let’s welcome 1984 with open arms. Now we can have another kind of police squad calling on the homes to take away children. And the state should take over the responsibility of raising these children. Sylvia Lim and Halimah Yaacob were against such an idea as it may break up families. And rightly, as they said, who is better to provide parental care other than the parents. Another MP suggested educating the parents on how to bring up children. I got a better idea. No one can get married unless they attended and passed a course in parenthood. A Parenthood Certificate will be the pre requisite to register a marriage. Without proper education, once married and children are born, it will be too late. Rice is cooked. Let’s prepare the rice first before they are cooked. Wow, I am coming up with so many brilliant suggestions for free.

China could win the war with the US without fighting

The stealth fighters, the carrier killer missiles, the anti satellite missiles, have changed the picture of American dominance in the military theatre. They were once untouchable. They were once the only one who could attack any country without being attacked. That was how powerful and formidable the empire was. Now the balance of power is changing. No doubt the Americans are still Number One. But it is so cheap to send 20 carrier killer missiles to sink an aircraft carrier and 7000 crews and a few hundred aircraft plus munition for desserts. How could China win a war with the Americans without fighting? Just read the panic in the American Defence Dept on China’s revelation of a stealth fighter and you will know what I mean. Yes, the Chinese is very far behind in military technology. But there is fear in the Americans that the Chinese are getting closer. And they need to run faster, much faster. They, I mean the Americans. Their military doctrine is all about unmatchable superiority in fire power and technology. They want to keep at a far distance from the rest of the world. What does this mean? They need to spend more to be much further ahead of China or their nearest competitor. And all China needs to do is to keep on the chase. For every dollar the Chinese spent, the Americans will be spending ten thousand times more. At this rate, the American economy will simply break down. They don’t have the dough and cannot afford it. Keeping up will mean bankrupting the Treasury faster. The Americans will revolt when they become the new pauper of the 21st Century. They will not believe that they cannot afford to buy cheap Chinese made toys for Christmas. When that day comes, which is very soon, they will break up into several independent states. China should just keep pushing the Americans to bankrupt themselves. That’s the way to do it.

What the govt forgot to upgrade

More upgrading projects in the GRCs! And each upgrading is in the tune of a few hundred millions. All in all, the number could come up to several billions. And the residents rose in approvals. They loved it. I am not sure if they asked for it. How many of these upgrading projects would really affect the residents? The beautifying of the infrastructure is just like women cosmetics, costume jewelry and pretty dresses. Fine, all looks fine. It is belly good to have all the upgradings, like it or not, coming from the govt. No need to bother about who is paying for them. Can the govt allow or ask the people what do they want? Why give things that many may not be interested in? Shouldn’t the upgrading or Christmas present be given according to the needs of the people rather than what the govt thinks the people want? There is one area that really needs an upgrading. Given the spiraling cost of living and the emptying of the people’s savings, what is really needed is an upgrade in the people’s bank accounts. The billions that are going into all the cosmetics and costume jewelry would be better received if they go direct to the people’s pockets. Hey, the people’s pocket is all that counts. Didn’t someone say that hitting the people’s pocket is the most effective means of getting the people to respond to any govt initiatives? Maybe taking is easy, giving and putting back into the people’s pocket is difficult. After all these are monies taken from the people and rightfully should go back to the people. And to be meaningful and really appreciated, it is better to stuff them into the people's pockets.

Conquering the world

China’s Vice Premier Li KeQiang is in Europe on a 4 day tour ‘to bring coal in a snowy winter’. China has been on an offensive of a different kind, bringing loads of cash to help cash strapped European countries to manage their financial debt. It kinds of steam rolled Spain by promising to buy up all its debt to boost confidence in Spain and its financial market. It signed trade deals worth billions to increase trades with Europe when it needed most. In the meantime where is America? America is steely bent on conquering the world in another way, to build an empire. While China does not have a single soldier involved in any war, the Americans are everywhere fighting wars and starting wars. War is the only profitable business that is driving the American economy and without wars, the American economy will run aground. It is reported by the Washington Post that the American defence budget is US$550b, equivalent to what the next 19 nations in the world spent, or ‘nearly half of the entire world’s defence spending’. It is a misnomer to call it a defence budget. It should rightly be called a War Budget! It is a budget to conduct offensive wars. And America is accusing China of spending too much on its defence budget and that China is an aggressive nation. And its allies also chimed in to brand China as irresponsible. Who is the more responsible power? Who is helping the world and who is starting and fighting wars are all there for those who want to see. Those who want to remain blind and swear under American propaganda can continue to do so. The Americans wanted to conquer and dominate the world by sheer military might. China is ‘conquering’ the world by economic ties, trades and developments. Who is the irresponsible nation? Who is helping Europe when it needed help most? Who almost brought down the world’s financial system and who stepped in to save the system?

Defying folk lores and traditions

Human beans have survived several thousand years and have progressed in many fields. Advancement in science and technology, knowledge and information, have led the human beans to discard many age old beliefs and superstitions for the better. The next lunar new year is the year of the Rabbit. It is a more agreeable animal and hopefully a less traumatic but amiable year. Wedding bells will be abundant looking at the bookings in the posh hotels. There is also the dragon baby to look forward to. The young of today are not only adventurous and financially comfortable, that is before they are robbed of a few hundred thousands to buy that property and the car, and would want to splurge for the best on that special day in their lives. Among other things, they want it to be memorable, and different. Yes, that day must be different from anyone else. The wedding is a very important event in the life of any human bean across all cultures. The Chinese is very particular about this event and have developed a long list of do’s and don’ts to abide by. A wedding is like a red letter day, a red occasion, a joyous occasion, and everything must be red as humanly possible. Red dress, red packets, red pigs, red beddings, red candles …. One taboo colour is black. Black symbolises everything that is contrary to red, darkness, sadness, evil, mourning etc etc. I have seen several weddings in black! At the wedding dinner, the groom wore black, black table cloth, black eating utensils, all for wanting to be different. A friend of mine had a black wedding dinner for his son. Of course he could not object as the young have their own ideas. His business went down hill after that eventful day and everything he touched he lost money. Coincidence, maybe. Those in touch with the gossip circles must have heard of more dreadful stories that followed after a black wedding. My advice is never defy traditions for the sake of being different. And having a red wedding or any colour except black is not going to cost anything more. The young should not be too adventurous on their wedding day. You would not know what is installed in darkness, or who will come along to attend a black wedding. And a little more, everything must be in pairs. Numbers must be even and not odd. Odd numbers but in even quantity eg four ones or threes are acceptable. Just be careful, huh.

Where is Jack?

A loan shark runner was sentenced to 5 years behind bars and 24 strokes of the rotan. Thanks to District Judge Jasbendar Kaur for a deserving punishment. This runner burnt cars, set things on fires outside innocent dwellers in HDB flats, threatening and targeting innocent people when he could not get to his real targets. The damage he caused were more than $100k in cars burnt. He did all this to repay the loan shark called Jack whom he borrowed $3000. Good that he is behind bars and waiting to be caned. But where is Jack?

I have failed…

Yes, I have failed in my mission to bring down medical cost. Over the last four years, instead of bring down medical cost, they have spiralled by very substantial amounts. I am talking about increases of 50% to 90%. I must thank Salma Khalik for her data to confirm, without any doubt, that I have failed very badly. I think I should from now on stop talking cock about medical cost and how to bring it down. And now for the good news about rising medical cost. Salma Khalik has interviewed Boon Wan and these are some of the good news and developments in the medical field that partly contributed to the high medical cost. 1. Don’t worry, despite the big hospital bills, the patients have no difficulties paying them. Isn’t that comforting? 2. And there are the wonderful 3M schemes to pay the bills, some up to 100%. So no need to pay more cash, maybe $3 only. 3. And the bills could be even more if not of the brilliant scheme to move not so sick patients out of hospitals to community hospitals and nursing homes. Big savings there. 4. Day surgery also plays a big role in cutting down the overall bills. 5. The hospitals have also been very customer oriented, to ensure patient satisfaction and allowed them to choose non standard items that are not subsidised. So they cannot complain about higher bills. And definitely they are happy to pay more to be better satisfied. 6. The best part, the bottom line ‘We have good high standard public hospitals that are affordable because of 3Ms. Ok I have failed. On the other hand Boon Wan has done a terrific job and we have a very high standard of medical care at very affordable prices. This reminds me of HDB flats affordability. The only difference is that HDB you got to pay. In medical bills, no need to pay, or pay very little, because 3Ms pay for you.

Buying up Singapore

The Malaysians are getting more aggressive in their forays into foreign business. In economic terms, being aggressive is ok. The Malaysians have a big picture and a new ball game to play in Singapore. With everything on the table for sale, the Malaysians are making hay while the sun shines. First they bought over GK Goh Stockbrokers, now they are buying Kim Eng Securities. In Singapore, the stockbroking business is seen as a sunset industry, dying. So Singapore stockbrokers have been advised to sell off this dying business. In Malaysia they must have been advised otherwise. They must still believe that it is a golden goose that will lay more eggs into the future. Who is right and who is wrong only time will tell. In the Malaysian big plan I think they will not stop at just buying two broking houses. Next could be one of the big banks. DBS should be very attractive when the price is right. How about SIA? This will be the apple of their eyes to replace MAS. And if they can buy over PSA, there is no need to worry about Gelang Patah. They can even promote PSA to the fullest and export all their goods through Singapore. And they would probably need a 3rd and 4th links. There are many more worthy assets to buy over. Keep the momentum going. This is simply brilliant. While Singapore is strategizing on how to integrate into Malaysia, Malaysia has its own idea on how to integrate Singapore into Malaysia.