Today’s ST is hinting that the Medisave, currently with a minimum sum of $41k will not be enough. What it means, very likely, is that Medisave will have to go up to $100k or more. An admission for a major operation would easily cost a few hundred thousands. So what is $41k?
The ridiculous cost of medical fees here is running out of control. The average Singaporeans will never have enough to pay for one admission to a hospital. Keep raising Medisave minimum sum is like raising COEs or ERP charges. It is a fictitious solution that Ah Long also knows. There must be a cheaper alternative.
The problems of Singapore present great opportunities for Malaysia in Iskandar Economic Zone. If only Iskandar can offer an equivalent medical facility and standard and charging in ringgits, a large portion of Singaporeans needing medical care and major ops will have no choice but be in Iskandar. And this is high skill services which the Malaysian govt will be most interested to set up to compete with Singapore. If Malaysia can capitalize on their comparative advantage, lay down the red carpet, make immigration and travelling efficient and smooth, there is no stopping Singaporeans going over, which means a sophisticated medical hub in the making.
But they must make their policies clear and not be confused and dragged down by parochial politickings. It is likely that political tension can be drummed up, like Singaporeans clogging up their roads, Singaporeans raising the cost of living, Singaporeans buying up the houses, Singaporeans taking advantage of cheaper medical services in Iskandar, etc etc.
When Iskandar is successful, there will be more foreign investments and presence in Iskandar and Johore and competing for goods and services. Is that something that the Malaysian govt wants and can live with? If that is what they want and will not be pressurized by domestic politics, a medical hub is the way to go.
The average Singaporeans will definitely welcome such an alternative. And there could be many alternatives that the Malaysian govt can provide, cheaper and even better than Singapore, if they are clear in what they want.
11/01/2011
60 years of rebuilding a country and nation
It took 60 years for China to rebuild a broken up country that was bankrupt of everything. It started from scratch in 1949, a war torn country, bankrupt in the treasury through payments of war reparations to the imperial powers of the West and Japan, bankrupt of intellectuals and ideas, a backward economy that was agriculture based, with no industries in the modern sense of the time. The whole govt institution and infrastructure had to be rebuilt with an empty state coffer.
Up till 1978 when Deng was returned to power, the country was experimenting with agrarian and industrial revolution on its own, with little foreign aid or assistance. The Great Leap Forward, the Cultural Revolution, the Korean War, the Vietnam war, were very costly and drained further the limited resources of a third world nation.
It’s rightful place in the United Nation was occupied by Taiwan, calling itself the Republic of China and representing greater China on both sides of the causeway. Of course its legitimacy was only as legitimate as the support of the Americans. The farce of ROC representing the whole of China came to an end when the Third World countries stood against the Americans and voted in the PRC to its rightful place in the family of nations. The pretender, ROC, was booted out of the UN.
The path back to nationhood was never easy with many countries still living under the influence of Western literature and Western truth, that China was a belligerent, expansionist and aggressive emerging power. This continues till today, without China fighting a war except for self defence, with no Chinese occupation troops in any foreign land, while its territories are claimed and occupied by foreign powers. Hongkong and Macau were returned at the end of the 20th Century. Many of China’s territories are still in foreign hands. And China continues to endure the embarrassment and indignity of not being able to reclaim its lost land, taken away when it was weak and helpless. How’s that of an expansionist and unreasonable power?
Today, 60 years later, even small little countries are making claims to Chinese territories in the South China Seas, with the tacit support of the Americans. While China is still relatively weaker than the US, but immensely more powerful than all the Southeast Asian countries combined, China adopts a position of weakness in its foreign policies, encouraging these small countries to embolden their claims, even attacking and capturing Chinese ships in the high seas or in Chinese territories.
China’s failure in warding off such adventurism and irritating claims from the small countries in a way was due to its eclipse and years of living in the shadow of the big powers. It does no wish to engage in warfare, and chose a policy of appeasement, of friendship and accommodation. Any little acts of assertiveness for its rights and territorial integrity would be blown up as vindications of an expansionist and fearsome power.
The literature and propaganda of an expansionist and hostile China have been perpetuating and influencing the minds of the Asian and Southeast Asian states, and the world for decades. And all these years China was a struggling nation, poor and weak both economically and militarily. The image has set in and difficult to change no matter what China did. No matter how defensive is China’s stance, it will not change anything. In fact the weakness of the Chinese stance has created more problems for China than if China has taken a tougher stand. When it did in the Korean War, again the border intrusions by India and Vietnam, it was cast as the aggressor by the West. And the world believed in those stories.
In short, notwithstanding China’s olive branch, it will always be portrayed and viewed in distrust. The other countries believe that they will be better under Pax Americana, a known devil.
While China did not have much choice in the past to risk a devastating war with the Americans, and be flattened into the oblivion, the situation is now different. As much as America is many times more able to turn again into the stone age, China could do likewise to America. It will be a no winner war if the two super powers collide.
Ruling out this possibility, as long as both countries avoided such an eventuality, it is time for China to review its foreign policies of peaceful development and appeasement. It is time for China to stand up for its rights as an independent nation, and to protect its own territorial integrity. Any wishful and baseless claims to Chinese territories and islands in the South China Sea must be told to back off. There is no need to be nice when niceties were seen as weakness and inviting more reckless and provocative claims.
China must now say no to all the nonsensical and unsupportable claims of small countries against its territories, and be prepared to arrest any ships that intruded into them, be it Vietnam, the Phillipines or India. The days of offering the other face to be slapped is over. The small countries must be put back to their rightful place or face the military and economic might of a new and more assertive China. They can provoke and risk being kicked in the ass.
The Americans can try to start more fires, and China must be prepared to put down the fire with no hesitation and refrain. Only in that way would China be able to ensure peace and stability in the East and South China Seas. A superpower must behave like a superpower, like the Americans. Do what the Americans did but not to encroach into another country, not to invade another country and nothing of the sort like regime change. Respect the rights of all nations and demand the other nations to do likewise. The simple message is, not to trifle with a super power and think that they can get away with it.
60 years of being oppressed and humiliated by the Western powers and bullied by small countries must come to an end. Red Star over China is now Red Star over Asia. Not that China should pursue the path of big power hegemony against its neighbours. But it must not allow the small powers to be pawns of America, to nibble away at its core interests and national integrity. Mutual respect and non interference must be initiated from both sides. If China does not act tough now, all the troubles will keep coming to its doorstep.
PS. If China does not dare to stand up against the American's bullying, another cruise missile will hit their embassy like the one in Belgrade, 'by accident'. Only when China dares to stand up to the Americans will such accidents be avoided and will not happen.
Up till 1978 when Deng was returned to power, the country was experimenting with agrarian and industrial revolution on its own, with little foreign aid or assistance. The Great Leap Forward, the Cultural Revolution, the Korean War, the Vietnam war, were very costly and drained further the limited resources of a third world nation.
It’s rightful place in the United Nation was occupied by Taiwan, calling itself the Republic of China and representing greater China on both sides of the causeway. Of course its legitimacy was only as legitimate as the support of the Americans. The farce of ROC representing the whole of China came to an end when the Third World countries stood against the Americans and voted in the PRC to its rightful place in the family of nations. The pretender, ROC, was booted out of the UN.
The path back to nationhood was never easy with many countries still living under the influence of Western literature and Western truth, that China was a belligerent, expansionist and aggressive emerging power. This continues till today, without China fighting a war except for self defence, with no Chinese occupation troops in any foreign land, while its territories are claimed and occupied by foreign powers. Hongkong and Macau were returned at the end of the 20th Century. Many of China’s territories are still in foreign hands. And China continues to endure the embarrassment and indignity of not being able to reclaim its lost land, taken away when it was weak and helpless. How’s that of an expansionist and unreasonable power?
Today, 60 years later, even small little countries are making claims to Chinese territories in the South China Seas, with the tacit support of the Americans. While China is still relatively weaker than the US, but immensely more powerful than all the Southeast Asian countries combined, China adopts a position of weakness in its foreign policies, encouraging these small countries to embolden their claims, even attacking and capturing Chinese ships in the high seas or in Chinese territories.
China’s failure in warding off such adventurism and irritating claims from the small countries in a way was due to its eclipse and years of living in the shadow of the big powers. It does no wish to engage in warfare, and chose a policy of appeasement, of friendship and accommodation. Any little acts of assertiveness for its rights and territorial integrity would be blown up as vindications of an expansionist and fearsome power.
The literature and propaganda of an expansionist and hostile China have been perpetuating and influencing the minds of the Asian and Southeast Asian states, and the world for decades. And all these years China was a struggling nation, poor and weak both economically and militarily. The image has set in and difficult to change no matter what China did. No matter how defensive is China’s stance, it will not change anything. In fact the weakness of the Chinese stance has created more problems for China than if China has taken a tougher stand. When it did in the Korean War, again the border intrusions by India and Vietnam, it was cast as the aggressor by the West. And the world believed in those stories.
In short, notwithstanding China’s olive branch, it will always be portrayed and viewed in distrust. The other countries believe that they will be better under Pax Americana, a known devil.
While China did not have much choice in the past to risk a devastating war with the Americans, and be flattened into the oblivion, the situation is now different. As much as America is many times more able to turn again into the stone age, China could do likewise to America. It will be a no winner war if the two super powers collide.
Ruling out this possibility, as long as both countries avoided such an eventuality, it is time for China to review its foreign policies of peaceful development and appeasement. It is time for China to stand up for its rights as an independent nation, and to protect its own territorial integrity. Any wishful and baseless claims to Chinese territories and islands in the South China Sea must be told to back off. There is no need to be nice when niceties were seen as weakness and inviting more reckless and provocative claims.
China must now say no to all the nonsensical and unsupportable claims of small countries against its territories, and be prepared to arrest any ships that intruded into them, be it Vietnam, the Phillipines or India. The days of offering the other face to be slapped is over. The small countries must be put back to their rightful place or face the military and economic might of a new and more assertive China. They can provoke and risk being kicked in the ass.
The Americans can try to start more fires, and China must be prepared to put down the fire with no hesitation and refrain. Only in that way would China be able to ensure peace and stability in the East and South China Seas. A superpower must behave like a superpower, like the Americans. Do what the Americans did but not to encroach into another country, not to invade another country and nothing of the sort like regime change. Respect the rights of all nations and demand the other nations to do likewise. The simple message is, not to trifle with a super power and think that they can get away with it.
60 years of being oppressed and humiliated by the Western powers and bullied by small countries must come to an end. Red Star over China is now Red Star over Asia. Not that China should pursue the path of big power hegemony against its neighbours. But it must not allow the small powers to be pawns of America, to nibble away at its core interests and national integrity. Mutual respect and non interference must be initiated from both sides. If China does not act tough now, all the troubles will keep coming to its doorstep.
PS. If China does not dare to stand up against the American's bullying, another cruise missile will hit their embassy like the one in Belgrade, 'by accident'. Only when China dares to stand up to the Americans will such accidents be avoided and will not happen.
When world population hits 15b
This is the forecast by the UN for year 2100 if the current reproductive rate is maintained. The earth is now hosting 7 billion human beans, and the resources are being strained. Not enough water, energy and food. The oceans’ stocks of fish are depleting, energy and natural resources are being consumed at a faster rate that is unsustainable.
But the good news for such phenomenal growth in population is that economic growth data will be in the positive. It will be growth, growth and growth. Singapore’s population will be 10m by then or more.
The earth is warming, not because of the big hole in the sky. It is the heat of human bodies and the consumption of resources for human activities that are warming the earth. The most irresponsible act of the human beans is population growth, which leads to one thing, consumption of the earth. But the economists will tell you growth is good, and govts bought into the growth myth. With growth, life will be better.
Yes, but for how long? What if all the govts continue to pursue growth, by growing their population?
But the good news for such phenomenal growth in population is that economic growth data will be in the positive. It will be growth, growth and growth. Singapore’s population will be 10m by then or more.
The earth is warming, not because of the big hole in the sky. It is the heat of human bodies and the consumption of resources for human activities that are warming the earth. The most irresponsible act of the human beans is population growth, which leads to one thing, consumption of the earth. But the economists will tell you growth is good, and govts bought into the growth myth. With growth, life will be better.
Yes, but for how long? What if all the govts continue to pursue growth, by growing their population?
10/31/2011
When the plundering and looting are over
500 years of plundering and looting are over for the Western nations. Europe and America enjoyed 500 years of prosperity built on slave trades, conquests and looting in the form of war reparations from defeated countries. They robbed the African and Asian states of land and resources as well as enriching themselves from the slave trades.
These excesses were the foundation for the centuries of prosperity, renaissance and cultural refinement and the good life in Europe and America, transforming peasants, bandits and pirates, to gentries and aristocrats. The wealth of plundering has nearly been exhausted and the ingenuities and progress in science and technology alone could not sustain the same level of richness and affluence in both continents. They did not think nor expect that the wealth could go off so fast. They continued to indulge in a lifestyle they were accustomed to from spending future money and borrowing.
Unfortunately it is game over. Without real production and productivity, without generating enough to cover the over consumption, the rich lifestyle is just not sustainable. Now they are in debt, some knee deep, some up to their neck.
And who did Europe turn to for more freebies and financial handouts? The very victims of their conquests and plundering, the emerging countries of Asia particularly China, the country they turned into the Sick Man of Asia. They bankrupted China, robbed away its dignity, pride and confidence as a nation, as a people, to live a better life with equal rights like all human beans.
The Chinese people are angry. China is still a poor developing country. Why should they used their hard earned savings, through toiling in factories and eating less, and getting by with less material comfort, to help the plunderers who consumed more of what they had and wanting to continue the good life? The plunderers had already had a good time on their expenses by robbing their country of its wealth, and dignity, it is time that they had a taste of living a humbler lifestyle, and not badmouthing China and the Chinese as crude and poor peasants with no refinement in manners and social behaviours, and imposing all kinds of trade discriminations.
Let’s see how refine and well manner they will be without the money and power. Let the world see how the bandits and pirates return to their days of plundering and rampage of other weaker nations. Would that be the new reality, a replay of history as what it was in the days of conquest and colonialism?
These excesses were the foundation for the centuries of prosperity, renaissance and cultural refinement and the good life in Europe and America, transforming peasants, bandits and pirates, to gentries and aristocrats. The wealth of plundering has nearly been exhausted and the ingenuities and progress in science and technology alone could not sustain the same level of richness and affluence in both continents. They did not think nor expect that the wealth could go off so fast. They continued to indulge in a lifestyle they were accustomed to from spending future money and borrowing.
Unfortunately it is game over. Without real production and productivity, without generating enough to cover the over consumption, the rich lifestyle is just not sustainable. Now they are in debt, some knee deep, some up to their neck.
And who did Europe turn to for more freebies and financial handouts? The very victims of their conquests and plundering, the emerging countries of Asia particularly China, the country they turned into the Sick Man of Asia. They bankrupted China, robbed away its dignity, pride and confidence as a nation, as a people, to live a better life with equal rights like all human beans.
The Chinese people are angry. China is still a poor developing country. Why should they used their hard earned savings, through toiling in factories and eating less, and getting by with less material comfort, to help the plunderers who consumed more of what they had and wanting to continue the good life? The plunderers had already had a good time on their expenses by robbing their country of its wealth, and dignity, it is time that they had a taste of living a humbler lifestyle, and not badmouthing China and the Chinese as crude and poor peasants with no refinement in manners and social behaviours, and imposing all kinds of trade discriminations.
Let’s see how refine and well manner they will be without the money and power. Let the world see how the bandits and pirates return to their days of plundering and rampage of other weaker nations. Would that be the new reality, a replay of history as what it was in the days of conquest and colonialism?
The truth and lies of home ownership
There are some bloggers who are here to spread half truths and misinformation about the state of home ownership situation and I feel obliged to state their position against what is the real truth.
Some Singaporeans are still unhappy with the housing issue and to these bloggers it is really the fault of the Singaporeans. They accused the unhappy Singaporeans for unreasonable expectations and told them to live within their means, ie, Singaporeans should buy the flats according to what they could afford. So got money buy bigger flats, no money buy smaller flats. No one is forcing Singaporeans to buy bigger properties!
They chided the Singaporeans for being unappreciative of their blessed situation, that they are lucky to be able to own a flat, big or small, as if without the govt they would not even have a roof over their heads. And that Singaporeans should be contented with a 3rm or 4 rm flat given the limited land we have.
One even said that it was better to buy a 4 rm flat instead of a car as if the choice is an either or situation. He would not want to know what causes high COEs and traffic congestions. Any school boy would be able to tell him why. If the population is not allowed to grow to such a size, there will be enough land for houses and cars.
Another truth is that what the govt is doing to solve the housing problems is the best and no one can do better, so be grateful. Who has the monopoly of wisdom and solutions? And housing is still affordable. Of course, even if a 3 rm flat is to cost $1m, it is still affordable. Just stretch it to 99 year repayment for the loan. And why not, COE is 10 years, so car loan can be stretched to 10 years. How many still believe in this affordable myth?
The affordable definition for housing is akin to forcing Singaporeans to live dangerously. Once a flat is bought based on two incomes for 30 years, pray that the two income will be there for the next 30 years. Loss of one income means loss of the flat, no longer affordable. Is this how the people are encouraged to live by, commit themselves to the neck for 30 years?
Whether the above are truths or misinformation everyone can decide for themselves. Allow me here to list out some of the hard truths, and of course if anyone thinks that what I wrote are misinformation or half truths, feel free to disagree with me.
The first truth, we have enough land to meet the demands of all our citizens for housing, provided we don’t recklessly increase the population to a point of beyond our control. Look at what Boon Wan is building. If there is not enough land, then the bringing in of more foreigners is very dangerous. We could still build and build to sell the foreigners. We have enough land for our citizens.
There is no shortage of supply for public housing. The shortage is temporary and due to bad decision and planning not to build. Everyone can have his choice of flats, and even if the richer Singaporeans were to buy smaller flats, given the restriction on speculation and owning private properties, no citizen is depriving another citizen from the chance of owning a flat, IF there is a willingness to build. There will even be enough flats for singles, broken up families etc etc.
The govt dictates how many flats to be built, when and where.
The govt dictates the price to sell, which is now blamed on market forces.
The govt dictates who can buy and who cannot buy.
The govt also dictates who can buy what and cannot buy what type of flats. Those with higher incomes are FORCED to buy bigger flats or buy more expensive flats from the private developers. Not true?
Because of the above, the people are not allowed to buy flats within their means, or buy smaller flats relative to their income. Heard of income ceilings and what are they for?
If the govt is controlling and dictating everything related to housing supply, who is the cause of the housing problem?
Did I tell lies or misinformation? You be the judge. Let those who have eyes see. But for those who refuse to see, let it be.
Some Singaporeans are still unhappy with the housing issue and to these bloggers it is really the fault of the Singaporeans. They accused the unhappy Singaporeans for unreasonable expectations and told them to live within their means, ie, Singaporeans should buy the flats according to what they could afford. So got money buy bigger flats, no money buy smaller flats. No one is forcing Singaporeans to buy bigger properties!
They chided the Singaporeans for being unappreciative of their blessed situation, that they are lucky to be able to own a flat, big or small, as if without the govt they would not even have a roof over their heads. And that Singaporeans should be contented with a 3rm or 4 rm flat given the limited land we have.
One even said that it was better to buy a 4 rm flat instead of a car as if the choice is an either or situation. He would not want to know what causes high COEs and traffic congestions. Any school boy would be able to tell him why. If the population is not allowed to grow to such a size, there will be enough land for houses and cars.
Another truth is that what the govt is doing to solve the housing problems is the best and no one can do better, so be grateful. Who has the monopoly of wisdom and solutions? And housing is still affordable. Of course, even if a 3 rm flat is to cost $1m, it is still affordable. Just stretch it to 99 year repayment for the loan. And why not, COE is 10 years, so car loan can be stretched to 10 years. How many still believe in this affordable myth?
The affordable definition for housing is akin to forcing Singaporeans to live dangerously. Once a flat is bought based on two incomes for 30 years, pray that the two income will be there for the next 30 years. Loss of one income means loss of the flat, no longer affordable. Is this how the people are encouraged to live by, commit themselves to the neck for 30 years?
Whether the above are truths or misinformation everyone can decide for themselves. Allow me here to list out some of the hard truths, and of course if anyone thinks that what I wrote are misinformation or half truths, feel free to disagree with me.
The first truth, we have enough land to meet the demands of all our citizens for housing, provided we don’t recklessly increase the population to a point of beyond our control. Look at what Boon Wan is building. If there is not enough land, then the bringing in of more foreigners is very dangerous. We could still build and build to sell the foreigners. We have enough land for our citizens.
There is no shortage of supply for public housing. The shortage is temporary and due to bad decision and planning not to build. Everyone can have his choice of flats, and even if the richer Singaporeans were to buy smaller flats, given the restriction on speculation and owning private properties, no citizen is depriving another citizen from the chance of owning a flat, IF there is a willingness to build. There will even be enough flats for singles, broken up families etc etc.
The govt dictates how many flats to be built, when and where.
The govt dictates the price to sell, which is now blamed on market forces.
The govt dictates who can buy and who cannot buy.
The govt also dictates who can buy what and cannot buy what type of flats. Those with higher incomes are FORCED to buy bigger flats or buy more expensive flats from the private developers. Not true?
Because of the above, the people are not allowed to buy flats within their means, or buy smaller flats relative to their income. Heard of income ceilings and what are they for?
If the govt is controlling and dictating everything related to housing supply, who is the cause of the housing problem?
Did I tell lies or misinformation? You be the judge. Let those who have eyes see. But for those who refuse to see, let it be.
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