Singaporeans are so lucky. They can now look forward to a stream of retirement income for life. And they have a choice of having more upfront or leave more for their beneficiaries. This is really good in paradise and Singaporeans have to thank their lucky stars for having a good govt to provide them with such a comprehensive retirement plan.
Where did the govt get to money to provide such a great retirement scheme? Fuck it, it is our own money isn’t it? With the CPF scheme, the govt does not need to provide any more social security for the people with a few exceptions. There is no need to budget for such an expenditure anymore. The people shall provide their own retirement fund for their own retirement plans. And no need any subsidies. The people are on their own from birth to death.
Every Singaporean will have to be part of this plan, like it or not. And it is also reported in the ST that ‘two thirds of those aged 65 and above receive family support and do not need to tap these schemes. So two thirds were in for a joy ride when they do not need it? Right? And all their money held in ransom!
I can’t believe that such a comprehensive scheme that forces the whole population into compulsory savings and compulsory insurance schemes is only because one third of the people needs it.
What can’t there be fine tuning to allow those who do not need it to be spare the compulsion? By the time someone hits 60, the cards are all on the table as to what they need and whether they need to be compelled to such schemes. Shouldn’t they be given the options to be in or out, or half in half out? Why should two third of the people be punished because of a one third minority?
Are Singaporeans lucky or unlucky to have such a caring govt that even plans for their retirements with their money?
3/06/2012
3/05/2012
The increasing presence of dogs in Sin
The reference to dogs for comparison to life in paradise is getting more prevalent. The MOE foreign scholar commented that there are more dogs than humans in here. In a way he is right, and there are MPs who agreed with his observations and wanting Sinkies to seriously consider how relevant this remark is to life in paradise.
The top dogs in the paradise, those in leadership positions, are often been referred to as sheep dogs, with an uncanny leadership quality to round up sheep and control the sheep. This is great quality in a dog, like needing only a handful of dogs to control a herd of sheep.
The latest desired dog that is posted in the net is the attack dog. This is a specialized breed, to attack, just bite and bite without having to think. The stronger the bite the better is the attack dog.
Then of course the famed quality of dogs being obedient to the master and doing the biddings of their master needs no further introduction. I am waiting for more variations and maybe compile it into a dictionary of Singapore’s most valued dogs. Stray dogs or abandoned dogs will be exempted as they will be taken care of by the SPCA and dog lovers.
The top dogs in the paradise, those in leadership positions, are often been referred to as sheep dogs, with an uncanny leadership quality to round up sheep and control the sheep. This is great quality in a dog, like needing only a handful of dogs to control a herd of sheep.
The latest desired dog that is posted in the net is the attack dog. This is a specialized breed, to attack, just bite and bite without having to think. The stronger the bite the better is the attack dog.
Then of course the famed quality of dogs being obedient to the master and doing the biddings of their master needs no further introduction. I am waiting for more variations and maybe compile it into a dictionary of Singapore’s most valued dogs. Stray dogs or abandoned dogs will be exempted as they will be taken care of by the SPCA and dog lovers.
In the name of transparency and accountability
Please tell, how much it costs to build a HDB 2rm flat, 3 rm flat, 4 rm flat, 5rm flat and an EC flat.
Why must contribute to CPF?
Silly me, why am I asking such a simple question? You need to build up a savings to buy affordable HDB flat mah. Tiok boh? Like that also dunno. You also need to have some money for retirement right? Tiok. And you need money to pay for big and affordable medical bills when you are old lah. So simple and I have to ask. And there are other things to pay for with the CPF savings, like Medisave Insurance, CPF Life, university fees for yourself or your children and more minimum sums to top up. I think got some more. But just stop here first. Too many very confusing and can easily forget if got dementia.
How many people need to buy HDB flats at 60 years old? Kee chiu.
How many people need to have retirement savings when he is going to work till he dies when there is no retirement?
How many people need medical insurance or a huge sum in minimum sum if he is going to work till he dies when the company will have corporate insurance schemes to cover them?
How many people will have no dependents, or children to look after them, no private medical insurance, no savings and die die must depend on their CPF savings to survive?
How many people want to spend $100k or $500k for major ops at 70 or 80 or 90?
I have checked the historical records and I think the position has changed for many people. Last time happy to retire at 55 and die at 60. Last time life expectation very short but now very long. Last time married one time, now can marry a second time at 60. Last time bought HDB flat at 30 to get married. Now must buy HDB flat at 60 or 70 to get married one more time. Last time went to hospital and pay $2000 a lot of money. Now serious illness $200k also nothing except for open heart surgery. This one exception, only $8. Last time old already at 60 and die never mind. Now 90 years old also don’t want to die and want to go for major operations to live another 100 years.
Last time… now where am I? Oh, the position has changed. So you see, the position has changed. So what? Position changed because things changed lah. Changing position is a crime or what? Cannot change position huh? Last time two child enough third child punishment. Now the more the better, got incentive to have more some more. So, position not change huh? Crime or no crime? Malu or not malu when position changed? Must explain or not? So embarrassing leh, changing position never explains, and changed quietly and think people dunno.
If one is to work till death do us part, still need to save for afterlife meh? How many people want to be a rich dead man? By the way, how many people age 80 or 90 will be left that needs to be taken care of by the govt using public money? Can the govt afford or not? Wait wait, all these oldies must have contributed a lot of CPF to subsidise the govt in one way or another and what did they get in return? 2.5% and 4% interests? That’s all? How many hundred billions were parked in the CPF by the people for so little returns? Can the govt put aside some of these money or profits from the cheap loan to provide a life line for the 80s and 90s when they are penniless? Is it asking too much when these people have contributed a life time to the CPF for the govt to use?
And not that everyone will live till 80 or 90. And not that everyone who lives till 80 or 90 needs charity. Some may mismanage their lives, some may be hit by accidents or misfortunes or the cruel turns in life. Can the govt repay some kindness and charity for the CPF savings that these people have lent to the govt in their younger days and stop forcing these people to continue to contribute to their CPF after 60, and holding a huge ransom in the name of Minimum sums in the Retirement and Medisave Accounts? Why can’t the govt show some gratitude, some compassion and some sense of justice and fairness to look after those in the 80s and 90s using the money made from these people’s CPF savings over a life time? This is only right and not charity as the govt had benefited from the people’s savings of a life time. Or the govt is thinking that the money in the CPF is what the people owed to the govt and there is no need to be grateful or to repay the people for the cheap and unconditional loan? Where is gratitude?
How many people need to buy HDB flats at 60 years old? Kee chiu.
How many people need to have retirement savings when he is going to work till he dies when there is no retirement?
How many people need medical insurance or a huge sum in minimum sum if he is going to work till he dies when the company will have corporate insurance schemes to cover them?
How many people will have no dependents, or children to look after them, no private medical insurance, no savings and die die must depend on their CPF savings to survive?
How many people want to spend $100k or $500k for major ops at 70 or 80 or 90?
I have checked the historical records and I think the position has changed for many people. Last time happy to retire at 55 and die at 60. Last time life expectation very short but now very long. Last time married one time, now can marry a second time at 60. Last time bought HDB flat at 30 to get married. Now must buy HDB flat at 60 or 70 to get married one more time. Last time went to hospital and pay $2000 a lot of money. Now serious illness $200k also nothing except for open heart surgery. This one exception, only $8. Last time old already at 60 and die never mind. Now 90 years old also don’t want to die and want to go for major operations to live another 100 years.
Last time… now where am I? Oh, the position has changed. So you see, the position has changed. So what? Position changed because things changed lah. Changing position is a crime or what? Cannot change position huh? Last time two child enough third child punishment. Now the more the better, got incentive to have more some more. So, position not change huh? Crime or no crime? Malu or not malu when position changed? Must explain or not? So embarrassing leh, changing position never explains, and changed quietly and think people dunno.
If one is to work till death do us part, still need to save for afterlife meh? How many people want to be a rich dead man? By the way, how many people age 80 or 90 will be left that needs to be taken care of by the govt using public money? Can the govt afford or not? Wait wait, all these oldies must have contributed a lot of CPF to subsidise the govt in one way or another and what did they get in return? 2.5% and 4% interests? That’s all? How many hundred billions were parked in the CPF by the people for so little returns? Can the govt put aside some of these money or profits from the cheap loan to provide a life line for the 80s and 90s when they are penniless? Is it asking too much when these people have contributed a life time to the CPF for the govt to use?
And not that everyone will live till 80 or 90. And not that everyone who lives till 80 or 90 needs charity. Some may mismanage their lives, some may be hit by accidents or misfortunes or the cruel turns in life. Can the govt repay some kindness and charity for the CPF savings that these people have lent to the govt in their younger days and stop forcing these people to continue to contribute to their CPF after 60, and holding a huge ransom in the name of Minimum sums in the Retirement and Medisave Accounts? Why can’t the govt show some gratitude, some compassion and some sense of justice and fairness to look after those in the 80s and 90s using the money made from these people’s CPF savings over a life time? This is only right and not charity as the govt had benefited from the people’s savings of a life time. Or the govt is thinking that the money in the CPF is what the people owed to the govt and there is no need to be grateful or to repay the people for the cheap and unconditional loan? Where is gratitude?
3/04/2012
11 year old handcuffed
Below is a letter posted in 3in1kopitiam blog. I am not sure if this is true and if found untrue I will remove it immediately. I just felt that I am seeing a child being raped in broad daylight. And I hope this is not true. It must not happen in my country, when a little girl of 11 is being handcuffed for a petty crime.
My 11 year old daughter was arrested and handcuffed for 2 hours today.
Dear all,
I, a Singapore born and raised Chinese citizen would like to apologise to the Singapore Government and all tax paying fellow citizens for my failure to teach my children enough about the folly of stealing
I am a night shift worker so I sleep in the day.
At 5 pm today, I woke up and discovered my younger 11 year old daughter missing. I asked the older 13 year girl but got evasive answers. After a half hour later, I panicked and called the Police. Ten minutes after the call, they called back to inform me that my daughter had been arrested for shoplifting at a Guardian Pharmacy store and that I have to bring the elder along as well to the NPC as she was involved. My queries for answers as to the circumstances under which she was arrested were curtly declined.
When I reached the NPC, I was horrified to see my daughter slumped over a table sleeping with her right hand cuffed to a railing on the wall. Sitting opposite her and typing a statement into the computer was a female uniformed Malay officer. I ascertained later she was one of two Malay arresting officers. Having been an SC before, I understand police procedures but had never seen the lack of discretion when it comes to minors as I was witnessing in my daughter's case. That female Malay officer made no eye contact with me at all for the entire duration I was in the station. Not even when she in the report room where I was.
I vented my anger at the officers present about the necessity of handcuffing my daughter leaving her in such a torturous physical position to endure despite the fact that she was already in Police custody. I told them that as a minor, she is not going to be charged for her first offence. What purpose does it serve with regard to procedural safety? That she will snatch their revolvers and turn it against them? Why subject her to the same treatment for adults committing more serious crimes?
A Malay SSSgt led me into an adjoining interview room and gave me a summary account of my daughter's arrest. He told me he will get my elder daughter's statement expedited so that we can go home as soon as possible.
I went outside for a smoke to help calm myself down before returning. I saw then that the handcuffs on my daughter were removed. She was released for her elder sister's turn to be interviewed and for a police statement to be made. I checked her wrists and discovered abrasions on both her wrists and a contact burn mark in one. I took photographs on the spot. Earlier on, I had taken a photo while she was handcuffed to the wall railing. I want to have it printed, framed and mounted in our home so that they will never forget this episode.
I was allowed to bring my younger daughter out for a quick dinner. When we returned the elder daughter had just finished her statement. She was not handcuffed. We left the NPC after I had signed both their bail bonds. We have to return to the Police Div HQ at a later date.
I took my daughter to a hospital emergency department to have her wounds attended.
Back home, I interrogated my children and found that it was the elder sister who has a compulsive obsession with makeup products, instigated the younger to pilfer that $11.90 pair of lipstick. My younger daughter has a timid temperament and is very vulnerable to suggestions. She is still undergoing counselling in school after she slashed herself from elbow to wrist not too long ago when she was ten years old after constant bullying in school.
When they were spotted they ran and escaped but the younger, out of a sense of guilt returned to surrender the stolen item to the Malay shop assistant who detained her and called the Police.
I share this story with all because I fervently hope that parents will not have to undergo the same turmoil in my heart that I feel now and that they will use my children as an example on the consequences of stealing and getting caught eventually.
Once again, let me express the deep remorse I feel for the shame I had brought to the Singaporean Chinese community through my less than adequate nurturing of my children's absorption of good moral values.
I also like to thank the Malay shop assistant who detained my child when she tried to return the stolen item and Guardian Pharmacy's strict non-negotiable policy to deter shoplifting and the teaching of a good lesson.
Lastly, I would like to thank the Singapore Police Force and the Government for the benefit of the experience my child had gone through, that benevolence which I hope my child would repay with interest when she grows up into adulthood. She don't have a passport, she can't flee the country and not return. So please do not worry.
Peace be upon all.
My 11 year old daughter was arrested and handcuffed for 2 hours today.
Dear all,
I, a Singapore born and raised Chinese citizen would like to apologise to the Singapore Government and all tax paying fellow citizens for my failure to teach my children enough about the folly of stealing
I am a night shift worker so I sleep in the day.
At 5 pm today, I woke up and discovered my younger 11 year old daughter missing. I asked the older 13 year girl but got evasive answers. After a half hour later, I panicked and called the Police. Ten minutes after the call, they called back to inform me that my daughter had been arrested for shoplifting at a Guardian Pharmacy store and that I have to bring the elder along as well to the NPC as she was involved. My queries for answers as to the circumstances under which she was arrested were curtly declined.
When I reached the NPC, I was horrified to see my daughter slumped over a table sleeping with her right hand cuffed to a railing on the wall. Sitting opposite her and typing a statement into the computer was a female uniformed Malay officer. I ascertained later she was one of two Malay arresting officers. Having been an SC before, I understand police procedures but had never seen the lack of discretion when it comes to minors as I was witnessing in my daughter's case. That female Malay officer made no eye contact with me at all for the entire duration I was in the station. Not even when she in the report room where I was.
I vented my anger at the officers present about the necessity of handcuffing my daughter leaving her in such a torturous physical position to endure despite the fact that she was already in Police custody. I told them that as a minor, she is not going to be charged for her first offence. What purpose does it serve with regard to procedural safety? That she will snatch their revolvers and turn it against them? Why subject her to the same treatment for adults committing more serious crimes?
A Malay SSSgt led me into an adjoining interview room and gave me a summary account of my daughter's arrest. He told me he will get my elder daughter's statement expedited so that we can go home as soon as possible.
I went outside for a smoke to help calm myself down before returning. I saw then that the handcuffs on my daughter were removed. She was released for her elder sister's turn to be interviewed and for a police statement to be made. I checked her wrists and discovered abrasions on both her wrists and a contact burn mark in one. I took photographs on the spot. Earlier on, I had taken a photo while she was handcuffed to the wall railing. I want to have it printed, framed and mounted in our home so that they will never forget this episode.
I was allowed to bring my younger daughter out for a quick dinner. When we returned the elder daughter had just finished her statement. She was not handcuffed. We left the NPC after I had signed both their bail bonds. We have to return to the Police Div HQ at a later date.
I took my daughter to a hospital emergency department to have her wounds attended.
Back home, I interrogated my children and found that it was the elder sister who has a compulsive obsession with makeup products, instigated the younger to pilfer that $11.90 pair of lipstick. My younger daughter has a timid temperament and is very vulnerable to suggestions. She is still undergoing counselling in school after she slashed herself from elbow to wrist not too long ago when she was ten years old after constant bullying in school.
When they were spotted they ran and escaped but the younger, out of a sense of guilt returned to surrender the stolen item to the Malay shop assistant who detained her and called the Police.
I share this story with all because I fervently hope that parents will not have to undergo the same turmoil in my heart that I feel now and that they will use my children as an example on the consequences of stealing and getting caught eventually.
Once again, let me express the deep remorse I feel for the shame I had brought to the Singaporean Chinese community through my less than adequate nurturing of my children's absorption of good moral values.
I also like to thank the Malay shop assistant who detained my child when she tried to return the stolen item and Guardian Pharmacy's strict non-negotiable policy to deter shoplifting and the teaching of a good lesson.
Lastly, I would like to thank the Singapore Police Force and the Government for the benefit of the experience my child had gone through, that benevolence which I hope my child would repay with interest when she grows up into adulthood. She don't have a passport, she can't flee the country and not return. So please do not worry.
Peace be upon all.
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