Many of you have dutifully made a nomination for your CPF savings upon
your death and feeling very comfortable and secure about it, believing
that your nominated beneficiary will enjoy a windfall as a result. This
is what the CPF Board says when it happens,
‘If a valid nomination had been made, the beneficiaries will receive the
deceased’s CPF monies and assets, which include the following:
a) CPF savings in the Ordinary, Special, Medisave and Retirement Accounts, if any.
b) Discounted SingTel (ST) shares, if any.’
So, feeling very good and assured that your money will go to the person
you willed to receive them. Yes, your beneficiary will receive the money
left in your CPF. But he/she will not be able to on a shopping spree
and say what a nice chap you are. Only the CPF will be smiling. He/she
can only smile at the CPF statement saying your money has been moved
into his/her account from your account. There is a debit and a credit.
No cash transfer!
Get the picture? They don’t get a cash cheque. They will get a paper
transfer, and depending on their age, their MSS, they might not be able
to touch the money, don’t ever think of spending it. Your CPF savings
will remain in the CPF, from one account to another account, and remain
there, absolutely safe, untouchable. This is what is going to your last
few dollars in your CPF savings after you saved for a life time. No one
is going to spend it.
Is this good news or bad news? Should the money of a deceased be cashed
out, a cheque sent to the beneficiary to enjoy the last few dollars the
loving spouse or parents willed to them? Why should it remain in the
CPF, albeit in the beneficiary’s account?
How can you let this happen? How can you accept the govt doing this to your life savings even after you pass away?
What does this mean? What is happening? Your CPF not your money? CPF,
please clarify and confirm on this and please inform the people when
this change was made, and by who?
PS. I hope I am wrong on this.TRE or any aggregator, please do not post this in your site until more details are available. It is confirmed that the Medisave portion is not returned according to Alex Tan.
Kopi Level - Green
4/23/2014
MH370 – When the show is over
More than one and a half months of frantic and fruitless search for
MH370 in the Antarctics have proven nothing. Not a trace on MH370 or a
piece of debris. The families of the victims are starting to question
the purpose of this search, was is a joke, or was it a planned or
misguided search into a wrong area, a red herring from the start?
Have all the victims and the govts been misled into a foolish exploration of the Antarctic Ocean when they should be looking somewhere else for MH370? The conspiracy theory is gaining more credibility, that this elaborate scam or espionage was conducted to serve someone’s agenda, and in the course of its execution and the need to hide its trails, everyone is made a fool of?
If all the information given from day one was to disinform, to misinform, to fool everyone to look into the Antarctic, a cruel act of deceit and treachery, should the people involved in the disinformation and misinformation be prosecuted for such a wicked crime devoid of compassionate and human kindness when there are hundreds grieving and waiting for the loved ones to return?
Should an enquiry be conducted on how the information was disseminated that were untrue or sheer fabrications with flimsy level of credibility but pushed through as the truth, as real evidence to mislead everyone on a wild goose chase? Anyone has any doubts about the information provided and wanting to know the source and the whys while the passengers and the aircraft are still no where to be seen?
Have all the victims and the govts been misled into a foolish exploration of the Antarctic Ocean when they should be looking somewhere else for MH370? The conspiracy theory is gaining more credibility, that this elaborate scam or espionage was conducted to serve someone’s agenda, and in the course of its execution and the need to hide its trails, everyone is made a fool of?
If all the information given from day one was to disinform, to misinform, to fool everyone to look into the Antarctic, a cruel act of deceit and treachery, should the people involved in the disinformation and misinformation be prosecuted for such a wicked crime devoid of compassionate and human kindness when there are hundreds grieving and waiting for the loved ones to return?
Should an enquiry be conducted on how the information was disseminated that were untrue or sheer fabrications with flimsy level of credibility but pushed through as the truth, as real evidence to mislead everyone on a wild goose chase? Anyone has any doubts about the information provided and wanting to know the source and the whys while the passengers and the aircraft are still no where to be seen?
Sampan sinking? NO?
The answer is no, or not yet. Our Sampan is still looking good and still
good to load in more and more passengers. It is like Noah loading the
animals for a journey instructed by God. Fill them up! The captain is
very confident that this Sampan would not sink even if it is loaded with
6.9m, and more when the need comes. Maybe by then another hull will be
added to turn it into a catamaran, safe, stable and sound.
The South Koreans did not have an unsinkable catamaran. And they did not have a good captain too. And the tragedy is still unfolding with a target of at least 300 innocent school children on the death list. Obviously the captain was confident that his ferry would not sink. It was is good condition and plying daily through the Korean sea to Jeju from the mainland. It was a routine trip. All system go. Even if a trainee or assistant was at the helm, nothing drastic could go wrong. And the passengers of teachers and students have great faith in the captain, his crew and the ferry to provide a safe journey to their paradise island.
There was a bang. The ferry either hit something or something exploded. Nevermind, the captain was in charge. He told everyone to remain calm and stay where they were. Do not panic, do not rush as it would be dangerous doing so. The captain could not see anything serious like the sinking of the ferry on his radar. He probably thought it was a minor problem. There was time.
There was plenty of time to evacuate the passengers. The ferry was sinking slowly. Yes, the captain had all the time in the world to mount an evacuation, to get the passengers to put on their life vests like the drill before the journey. The captain had all the time to lower the lifeboats. There were 46 of them.
No one could see the danger ahead. The teachers and students remained calm and stayed where they were told. Some were in the lower levels and in their cabins. And the ferry continued to sink. No one panic. No one could think of the worst, not even the captain. And the ferry continued to sink, and even with half the ferry on its side, it was all calm. The passengers remained in their cabins, having full faith in the good judgement of the captain. And the ferry continued to sink. And the captain still did not call for a full evacuation. And the ferry continued to sink, with nearly all its obedient sheeples inside their cabins, all waiting for instruction from the captain to evacuate.
They did not know, I think, that the ferry was sinking. The captain did not tell them so. Some were still in the dining hall having their breakfast. And the ferry sank.
Where was the danger? Where was the early warning or signs of a big mishap on the way? No? Everything is under control, trust the captain and his crew. The ship was not going to sink and bring its passengers under.
The rest is a very sad story. The moral of the story? How much shall you trust your captain? How much can you trust that the Sampan will not sink? How much must you trust yourself, your own judgement, that when things are bad, it is bad. Get out when you can to save yourself. Let the captain sink with the ferry. But the captain was too smart for that. He left the sinking ferry in time to save his own skin.
PS. The final reply by the crew of Sewol when told by the maritime traffic control. 'Make passengers wear life jackets and get ready in case you need to abandon ship' is
'It's difficult for the passengers to move now.' Think 2030!
The South Koreans did not have an unsinkable catamaran. And they did not have a good captain too. And the tragedy is still unfolding with a target of at least 300 innocent school children on the death list. Obviously the captain was confident that his ferry would not sink. It was is good condition and plying daily through the Korean sea to Jeju from the mainland. It was a routine trip. All system go. Even if a trainee or assistant was at the helm, nothing drastic could go wrong. And the passengers of teachers and students have great faith in the captain, his crew and the ferry to provide a safe journey to their paradise island.
There was a bang. The ferry either hit something or something exploded. Nevermind, the captain was in charge. He told everyone to remain calm and stay where they were. Do not panic, do not rush as it would be dangerous doing so. The captain could not see anything serious like the sinking of the ferry on his radar. He probably thought it was a minor problem. There was time.
There was plenty of time to evacuate the passengers. The ferry was sinking slowly. Yes, the captain had all the time in the world to mount an evacuation, to get the passengers to put on their life vests like the drill before the journey. The captain had all the time to lower the lifeboats. There were 46 of them.
No one could see the danger ahead. The teachers and students remained calm and stayed where they were told. Some were in the lower levels and in their cabins. And the ferry continued to sink. No one panic. No one could think of the worst, not even the captain. And the ferry continued to sink, and even with half the ferry on its side, it was all calm. The passengers remained in their cabins, having full faith in the good judgement of the captain. And the ferry continued to sink. And the captain still did not call for a full evacuation. And the ferry continued to sink, with nearly all its obedient sheeples inside their cabins, all waiting for instruction from the captain to evacuate.
They did not know, I think, that the ferry was sinking. The captain did not tell them so. Some were still in the dining hall having their breakfast. And the ferry sank.
Where was the danger? Where was the early warning or signs of a big mishap on the way? No? Everything is under control, trust the captain and his crew. The ship was not going to sink and bring its passengers under.
The rest is a very sad story. The moral of the story? How much shall you trust your captain? How much can you trust that the Sampan will not sink? How much must you trust yourself, your own judgement, that when things are bad, it is bad. Get out when you can to save yourself. Let the captain sink with the ferry. But the captain was too smart for that. He left the sinking ferry in time to save his own skin.
PS. The final reply by the crew of Sewol when told by the maritime traffic control. 'Make passengers wear life jackets and get ready in case you need to abandon ship' is
'It's difficult for the passengers to move now.' Think 2030!
Medical fees, getting what you pay for?
‘…according to a study by the University College London (UCL), which was
commissioned by the British General Medical Council (GMC) – the
equivalent of the Singapore Medical Council (SMC) in Singapore.
It found that half of all foreign doctors in UK do not have the necessary skills to work there. However, they were allowed to practise there because the competency exam is too easy.’ TRE Editorial.
The above shows the quality of the UK medical profession and it also says that they are willing to compromise on the quality of the foreign doctors to make up the numbers. Half are substandard! By this act it puts the British public at risk when they seek medical treatment from these substandard doctors. And it is callous and irresponsible for the British Medical Council to admit such doctors to practice on their patients. They just did not know how substandard is substandard and how many patients are put to unnecessary risks or actually mistreated by these doctors.
In the case of the Singapore Medical Council, can we believe that it will do the due diligence, and unlike its British counterpart, only admits those that are on par with our own doctors? It has to be or else we would be exposing our own people to the same level of risk and mistreatment by substandard doctors like in UK. Anyone who is privy to the high academic and professional standard demanded of our locally produced doctors will know that we are having our best of the best as doctors. On this count alone it is fair to say that the foreign doctors are unlikely to meet the same standard as our very own, or at least many would not be. If they are of that kind of quality, they would be in UK or US. Is this a fair conclusion?
If the foreign doctors admitted here are as good as our own, then we can sleep in peace. I just got this hunch that it is not the case. And those who were rejected by UK would be here trying their luck. This is a layman’s perception and need not be right. Our Medical Council will definitely enforce the highest standard and criteria to admit any foreign doctor to practice here. It would be grossly unfair to our citizens when so many of our straight A students were rejected from medical schools only for the Medical Council to bring in substandard doctors from outside. We can’t be so stupid right?
And it is not only a matter of stupidity. No responsible Medical Council would allow substandard doctors to treat our people. On this count I believe we are in good hands. The second problem of a substandard doctor is the money we pay them. We are paying damn good money, first world medical fees. How can we pay so much for substandard doctors that are not worth a cent? In medical practices, a substandard doctor is a bad doctor and can kill instead of heal. Yes, not worth a cent. Think of the nightmare a healthy patient walked out from a substandard doctor with more problems, wrongly diagnosed, wrong medicine prescription etc etc and ended in more serious condition?
One thing the govt or the Medical Council must guarantee to the public is that any doctor certified fit to practice must be good, and in our case as good as our own doctors. If the gap is too wide, then the patients should not be made to pay the same medical fees. You pay for what you get and not anything they shaft it to you.
Are sinkies getting what they pay for? Should there be a fee difference for being treated by different quality doctors? Are Sinkies being shortchanged?
Kopi Level - Green
It found that half of all foreign doctors in UK do not have the necessary skills to work there. However, they were allowed to practise there because the competency exam is too easy.’ TRE Editorial.
The above shows the quality of the UK medical profession and it also says that they are willing to compromise on the quality of the foreign doctors to make up the numbers. Half are substandard! By this act it puts the British public at risk when they seek medical treatment from these substandard doctors. And it is callous and irresponsible for the British Medical Council to admit such doctors to practice on their patients. They just did not know how substandard is substandard and how many patients are put to unnecessary risks or actually mistreated by these doctors.
In the case of the Singapore Medical Council, can we believe that it will do the due diligence, and unlike its British counterpart, only admits those that are on par with our own doctors? It has to be or else we would be exposing our own people to the same level of risk and mistreatment by substandard doctors like in UK. Anyone who is privy to the high academic and professional standard demanded of our locally produced doctors will know that we are having our best of the best as doctors. On this count alone it is fair to say that the foreign doctors are unlikely to meet the same standard as our very own, or at least many would not be. If they are of that kind of quality, they would be in UK or US. Is this a fair conclusion?
If the foreign doctors admitted here are as good as our own, then we can sleep in peace. I just got this hunch that it is not the case. And those who were rejected by UK would be here trying their luck. This is a layman’s perception and need not be right. Our Medical Council will definitely enforce the highest standard and criteria to admit any foreign doctor to practice here. It would be grossly unfair to our citizens when so many of our straight A students were rejected from medical schools only for the Medical Council to bring in substandard doctors from outside. We can’t be so stupid right?
And it is not only a matter of stupidity. No responsible Medical Council would allow substandard doctors to treat our people. On this count I believe we are in good hands. The second problem of a substandard doctor is the money we pay them. We are paying damn good money, first world medical fees. How can we pay so much for substandard doctors that are not worth a cent? In medical practices, a substandard doctor is a bad doctor and can kill instead of heal. Yes, not worth a cent. Think of the nightmare a healthy patient walked out from a substandard doctor with more problems, wrongly diagnosed, wrong medicine prescription etc etc and ended in more serious condition?
One thing the govt or the Medical Council must guarantee to the public is that any doctor certified fit to practice must be good, and in our case as good as our own doctors. If the gap is too wide, then the patients should not be made to pay the same medical fees. You pay for what you get and not anything they shaft it to you.
Are sinkies getting what they pay for? Should there be a fee difference for being treated by different quality doctors? Are Sinkies being shortchanged?
Kopi Level - Green
4/22/2014
Piling on the accolades for Sinkies
The Sinkies are earning more medals or titles for themselves. An event
like the Pinoy Independence Day has heaped on several more titles or
tags onto them. Other than the infamous daft and xenophobic titles, the
new tags for the Sinkies are disgraceful, bigots and embarrassment.
This will bring the tally to 5. I may have missed out on a few more. While the Sinkies are earning new titles, at the same time many old titles were lost or forgotten. No longer were tags like hardworking, disciplined, well trained, knowledgeable, honest, etc etc be associated with the Sinkies. Oh, now I remember another new medal, lazy, to make it 6. This is a strange tag pinned on a very vigorous people, yes, vigorous, is no longer a virtue of Sinkies. Sinkies are simply lazy, and choosy for jobs.
But when I asked the PMEs, many said they are not choosy at all. They would do any job even with a huge pay cut. And come to the worse they would become taxi drivers, picking up ladies of the nights and drunkards and smelly and unruly passengers as part and parcel of their job. For this they can’t be choosy I am sure.
As for the tag of laziness, I think this only applies after their formal education as many of them are straight A students, so cannot be lazy right? Or unless they bought their papers from the street vendors. I have not walked the streets, can anyone tell me if Sin City has started to indulge in this lucrative trade as well?
Other than these two tags, I think the rest must be true. So welcome to this global city of daft, xenophobic, disgraceful, and embarrassing bigots, and very lazy Sinkies.
This will bring the tally to 5. I may have missed out on a few more. While the Sinkies are earning new titles, at the same time many old titles were lost or forgotten. No longer were tags like hardworking, disciplined, well trained, knowledgeable, honest, etc etc be associated with the Sinkies. Oh, now I remember another new medal, lazy, to make it 6. This is a strange tag pinned on a very vigorous people, yes, vigorous, is no longer a virtue of Sinkies. Sinkies are simply lazy, and choosy for jobs.
But when I asked the PMEs, many said they are not choosy at all. They would do any job even with a huge pay cut. And come to the worse they would become taxi drivers, picking up ladies of the nights and drunkards and smelly and unruly passengers as part and parcel of their job. For this they can’t be choosy I am sure.
As for the tag of laziness, I think this only applies after their formal education as many of them are straight A students, so cannot be lazy right? Or unless they bought their papers from the street vendors. I have not walked the streets, can anyone tell me if Sin City has started to indulge in this lucrative trade as well?
Other than these two tags, I think the rest must be true. So welcome to this global city of daft, xenophobic, disgraceful, and embarrassing bigots, and very lazy Sinkies.
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