Falling motor insurance rates

Motor insurance rates have been rising in Singapore for several years.

It is possible for the rates to fall, if the authority and the insurance companies take serious and effective measures to combat the fraud. The UK has shown a good example of what can be done. It is time for Singapore to buck up.

http://www.bbc.co.uk/news/business-23474426

SingTel's sports package

SingTel has announced a subscription price of $59.90 for its sports package that nearly double the previous price. of $34.90. 

I cannot see any commercial or sensible reason for this decision. It reflects an arrogant attitude and disregard for fair treatment of the public. 

In most countries, there will be demonstrations on the streets and in the public media, and active discussion in Parliament. But, sadly, not in Singapore.

This clearly reflects the weakness of the political environment in Singapore and is bad for the future development of our society. 

I hope that our government leaders will reflect on the harm that is being caused by their social, economical and political policies.

Malpractice in the Public Service

A senior officer of the Corrupt Practices Investigation Bureau has been charged for embezzling public funds to feed his gambling habit in the casino.

This has provoked a decision by the head of the civil service to review the rules on visits to the casino by public officers.

This is a typical reaction in Singapore - to address the symptoms and not the root cause.

There are many opportunities for public officers to gamble, besides vising the casino in Singapore. How about other forms of gambling, such as the turf club, casino overseas, or the stock market?

If the casinos are bad, why only ban public officers? How about other citizens or even foreign workers?

If public officers are to behave properly, we need a better system of oversight and supervision, that is clearly lacking in our system, judging from the many cases of abuse of power that has been observed lately.

Our government leaders have to set the example of being transparent and accountable, so that the same standard can pervade to all levels of the public service and to our society in general.

Masters of Life on Meaningful Life

Masters of Life on Meaningful Living is Tommy Wong's latest books. You can view details here:
http://tklcloud.com/pdfbook/37

How to use Facecard

Facecard is now ready for you to register and use. But first, you have to watch this video.
http://youtu.be/LkwTL5oLHvc

Finnland's welfare system works

Finnland has a better approach than USA or Singapore
http://www.theatlantic.com/international/archive/2013/07/the-secret-to-finlands-success-with-schools-moms-kids-and-everything/277699/?single_page=true

RUBY Accounting Software

This PDF book, which describes a simple accounting system for a small business, is provided fee now. I hope to get feedback from accounting students and practicing accountants. 
http://tklcloud.com/pdfbook/35

HOW TO DEVELOP COMMON SENSE

1. Start with learning how to think; don't just follow other people blindly. 
2. In any situation, evaluate the chance and severity of an event; don't just say "security is of utmost important", "no tolerance for failure", etc. 
3. Ask - what would most common people do in a situation like this? That is the "common sense".

 Common sense is defined by Merriam-Webster as, "sound and prudent judgment based on a simple perception of the situation or facts."
Thus, "common sense" (in this view) equates to the knowledge and experience which most people already have, or which the person using the term believes that they do or should have. 
The Cambridge Dictionary defines it as, "the basic level of practical knowledge and judgment that we all need to help us live in a reasonable and safe way"