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.