Thursday, December 05, 2019

Wisdom of the Crowd - New Issues



1. Should the Cross Island MRT Line go under the nature reserve?
Vote in
https://tklcloud.com/Crowd2/vote.aspx

SIA Youth Scholarship

Someone sent an email to me pointing out this SIA Youth Scholarship. It is for GCE A level and is open only to Nationals of India.

I wonder why SIA needs to offer this scholarship?

https://www.moe.gov.sg/admissions/scholarships/sia

WOTC - Landslide win for Democrats in local election in HK

Wisdom of the Crowd: 61% of the participants see the landslide win of the democrats in the local election as indicating that the people of Hong Kong want to be independent of China.

See the breakdown of the votes in
https://tklcloud.com/Crowd2/chart.aspx?ID=1711

WOTC - Central planning

Wisdom of the Crowd: 83% of the participants are in favor of central planning for the economy today, although it has failed in the past.

Wednesday, December 04, 2019

Migrating to Canada

My sister's classmate migrated to Canada 25 years ago. She obtained her citizenship after two years. She is now a pensioner and receive $1,600 a month from the state. She supplemented the income by taking international students as tenants and provide food for the students.

https://tklcloud.com/Feedback/feedback2.aspx?id=2259

Working in Canada

My friend migrated to Canada after working for ten years as a permanent resident in Singapore. I asked him to share his experience about working in the new environment

Hi Mr Tan

After working here for like two weeks plus, maybe I will say that things tend to move not as fast as Singapore. I can leave office at 5pm (and most do) - nobody bats an eye. People very rarely have to work at home (as in OT). And, if you have appointments or so, you can choose to work from home that day (we just have to make sure that we work 8 hours that day.)

And, right into my third week, I have got a certificate training (today and tomorrow). Company is also paying for the certificate exam. It’s a foundation certificate but still I will say that they really invest in people. I heard that some companies have tuition allowance if you decide to take up a course (of course, manager’s approval is required.) I guess that’s pretty good. Not only education allowance, there are some baseline benefits that most companies would include in our offer package such as extended health care for me and my family, basic dental care for me and family, and eye care (we can make glasses!). Some companies would include chiropractic/physiotherapy/massage allowance for their employees, too. So, in short, so long as you’re working, you don’t have to worry much about your well-being as well as your family’s. If we have kids, all benefits apply to our kids, too.

Regarding citizenship, we have to stay here for 1095 days (during the five years before the date of the application) to become eligible to apply for citizenship. Social welfare is pretty good. We pay quite a high tax for our income compared to Singapore, too, plus Employment Insurance etc. (Employment Insurance covers us from lay-offs or so.) We also pay like 12% tax (GST + PST) for our transactions (online and off-line). On the other hand, we don’t have to worry much about our health. Education is very very affordable, too. So, yeah, there are some trade-offs here and there, I suppose.

On the other hand, Singapore will be unbeatable in certain aspects as well - convenience of doing everything - commute, banking, mobile communication etc. Weather and food are some of the things people who moved here from Singapore would dearly miss. And, yes, Singapore's public safety (or rule of law) is top-notch! (probably only second to Japan, I suppose?)

Expiry of NETS Flash card

Someone complained to me that his money in the NETS flash card was confiscated on the expiry of the card.
https://tklcloud.com/Feedback/feedback2.aspx?id=2255

Why I drink kombucha



I drank my second bottle of kombucha today, served by my Japanese gf (actually, it is a Sakura bottle).

I made my own kombucha by following the videos on Youtube.

What are the benefits of kombucha? Read this
https://facty.com/…/nutriti…/10-health-benefits-of-kombucha/

I have problems with metabolism and constipation. I hope that kombucha will help to overcome them.

Tips on speculative investing

A reader was impressed with the profit that I achieved on my speculative portfolio. He asked if I can give a talk on investing. He will be interested to attend. He had invested before, and lost money on stocks.

I wish to share some tips.
https://tklcloud.com/Feedback/feedback2.aspx?id=2254

Quora: What's the best Donald Trump joke you have heard?

Marsha Browne, Writer, Thinker, Woman, Human Being answered.

How to make private insurance good for the people

Private insurance can be good and can be bad for the people.

This is how to tell the difference.
https://tklcloud.com/Feedback/feedback2.aspx?id=2253

Eldershield Life is costly and ineffective

It is a waste of time and money to run a scheme like Eldershield Life that is so costly to administer and yet does not address the real needs of the people. Here is a better alternative.

https://tklcloud.com/Feedback/feedback2.aspx?id=2252

WOTC - Is democracy a good form of government?

Wisdom of the Crowd: 61% of the participants find democracy to be a good form of government. 39% have a different view.

See the breakdown of the votes in
https://tklcloud.com/Crowd2/chart.aspx?ID=1709

WOTC - Opinion of President Xi Jinping

Wisdom of the Crowd: 64% of the participants have a favorable opinion of President Xi Jinping. 36% have a negative opinion.

See the breakdown of the votes in
https://tklcloud.com/Crowd2/chart.aspx?ID=1708

Wisdom of the Crowd - New Issues



1. Are you happy with the system of democracy in Singapore.
2. Is it a good idea for Singapore to change the musical composition of the anthem?

Vote in
https://tklcloud.com/Crowd2/vote.aspx

Tuesday, December 03, 2019

Eldershield Life is a bad idea

The govt requires all CPF members to buy Eldershield Life to provide payment of $300 or $400 when they are severely disabled and need to have nursing care.

Even Singaporeans who work overseas are required to buy this compulsory insurance on the assumption that they will return to live in Singapore during their old age.

This is a bad approach.

Why?
https://tklcloud.com/Feedback/feedback2.aspx?id=2252

Will the ban on PMD using footpath cause loss of vote to PAP?

I believe that it will cause a net loss of vote to PAP. Here are my reasons.

Wisdom of the Crowd - New Issues

1. When was the last time you visited Batam?
2. What is your opinion of Batam?
Vote in
https://tklcloud.com/Crowd2/vote.aspx

WOTC - Opinion of President Trump

Wisdom of the Crowd: 32% of the respondents have a favorable opinion of President Trump. 68% have a negative opinion.

See the breakdown of the votes in
https://tklcloud.com/Crowd2/chart.aspx?ID=1707

WOTC - System of electing MPs into Parliament

Wisdom of the Crowd: 5% of the participants prefer the Singapore system of electing MPs into Parliament through GRCs. 95% prefer other systems.

See the breakdown of the votes in
https://tklcloud.com/Crowd2/chart.aspx?ID=1706

Monday, December 02, 2019

Wisdom of the Crowd - New Issues


1. Do you agree with the criticism of international media on govt's recent use of POFMA?
2. What will happen to the dispute within the Parti Keadilan Rakyat (PKR?)

Vote in
https://tklcloud.com/Crowd2/vote.aspx

WOTC - Review ban on use of PMD on footpaths

Wisdom of the Crowd: 70% of the participants want the govt to look for other solutions for PMD to use the footpaths. 30% want the ban to be imposed.

See the breakdown of the votes in
https://tklcloud.com/Crowd2/chart.aspx?ID=1705

WOTC - When will the general election be held?

Wisdom of the Crowd: 84% of the participants expect the general election to be held during the first half of 2020. 16% expect it to be held in 2019 or after mid of 2020.

See the breakdown of the votes in
https://tklcloud.com/Crowd2/chart.aspx?ID=1704

Require PMD riders to pass a test

Many people want the govt to impose the ban on PMD using the footpaths because they cause accidents and injuries to pedestrians.

However, the actual statistics from the hospitals show that a high proportion of the injuries are caused to the PMD riders, rather than the pedestrians. They are injured when they fall off the PMDs or crashed into the walls and other obstructions.

It may be necessary to require the PMD riders to pass a practical test before getting a license to use it.

This test should include the practical aspects of handling the PMD and also the safety regulations (including the speed limit) on using the footpaths and crossing the road.

Perhaps this could be the solution to remove the ban. Allow the PMD rider to use the pavement after they have passed a test. If they are found to have contravened the regulation, the license can be removed.

https://tklcloud.com/Feedback/feedback2.aspx?id=2246

Flexible pricing for taxis lead to unsatisfactory outcome

I waited for a taxi at Harborfront Center at 6 pm. There was a long queue. I finally managed to get a taxi at 6.50 pm. It was a long wait.

It was peak hours. There was a slight drizzle. This could have accounted for the long wait.

When I was in Taipei earlier this month, I was able to get a taxi from the hotel during peak hours. I did not have to wait. There were plenty of taxis waiting for customers.

What is the special phenomena that caused this lack of taxis during certain busy hours?
https://tklcloud.com/Feedback/feedback2.aspx?id=2245

Sunday, December 01, 2019

WOTC - Should the two servicemen be penalized for the death of Aloysius Pang?

Wisdom of the Crowd: 91% of the participants said that the two servicemen should not be penalized for the death of Aloysius Pang. 9% said that they were negligent and should be penalized.

See the breakdown of the votes in
https://tklcloud.com/Crowd2/chart.aspx?ID=1703

WOTC - Should the PMD retailers be compensated for unsold inventory?

Wisdom of the Crowd: 58% of the participants said that the govt should review the ban on the use of PMDs and allow them to be used on pavements under safe conditions, 19% said that the govt should take over the inventory of the PMD retailers at cost, 23% said that the retailers should take the loss as a business risk.

See the breakdown of the votes in
https://tklcloud.com/Crowd2/chart.aspx?ID=1702

Saturday, November 30, 2019

Wisdom of the Crowd - New Issues


1. Does the Chinese communist party produce a good government?
2. PM Lee wants to introduce a good package to deal with the economy.
3. What is the best outcome for the future of Hong Kong?
4. Is there corruption at the highest echelon of our government?
5. Is it proper for a person to allege that there is corruption at the highest level?

Vote in
https://tklcloud.com/Crowd2/vote.aspx

A disappointing behavior

I publicized a talk on "How I lost 10 kg in 4 months". 14 people expressed an interest to attend the talk. It is free to attendees.

I set the date and sent an email to them. Only 3 people confirmed their attendance.

I publicized the talk in Facebook. Two people asked if I provide a buffet to encourage their attendance. I find their suggestion to be deplorable.

I know that the People's Association give attractive incentives, into food, to attract people to attend their free talks. They have a budget of $1 billion of taxpayer's money to spend. I do not have.

I took the trouble to come to the office today (which is a Saturday) to give the talk, even though only three people confirmed their attendance. Two of them sent in their apologies, giving some reason why they cannot attend.

I give my talk to one person only.

I have seen this kind of inconsiderate behavior on many past occasions. It is quite representative of the Singapore character.

https://tklcloud.com/Feedback/feedback2.aspx?id=2237



Look at the interest of all parties, and not personal interest only

Someone accused me of supporting the use of PMD because I and my family member do not use the footpaths.

Why should this person make an unfounded accusation or be personal in giving his views?

I use the footpaths every day. So does two of my grandchildren who walk to school.

Anyway, I do not give my views based on personal interests. I am able to see the perspective of other people, and not only my own, in coming to my decision.

I have seen many PMD riders use their gadgets responsibly. Why should they be penalized?

I am sure that some riders are irresponsible. I prefer that they be dealt with severely, and maybe sent to jail. I also like to see them banned.

Someone asked - how can these irresponsible riders be stopped? The answer is - more enforcement officers. We need these officers to implement the ban, right? We can use the same officers to monitor the speeding. It is not difficult.

Why not create jobs for locals to be enforcement officers?
https://tklcloud.com/Feedback/feedback2.aspx?id=2236

Wisdom of the Crowd - New Issues



1. Does the Chinese communist party produce a good government?
2. PM Lee wants to introduce a good package to deal with the economy.

Vote in
https://tklcloud.com/Crowd2/vote.aspx

WOTC - Is American democracy a good model for the world?

Wisdom of the Crowd: 54% of the participants said that the American system of democracy is a good model for the world. 46% said that it is flawed.
See the breakdown of the votes in
https://tklcloud.com/Crowd2/chart.aspx?ID=1701

WOTC - Will America and China sign a trade agreement in 2019?

Wisdom of the Crowd: 54% of the participants do not expect America and China to sign a trade agreement in 2019. 46% expect an agreement to be signed.

See the breakdown of the votes in
https://tklcloud.com/Crowd2/chart.aspx?ID=1700

Friday, November 29, 2019

Wisdom of the Crowd - New Issues



1. How will China respond to the success of the democrats in HK local election?
2. Is the Singapore economy in trouble?

Vote in
https://tklcloud.com/Crowd2/vote.aspx

Why M1 data passport does not work for me

I have been quite unhappy with Starhub data travel package. I do not mind paying their package rate of $5 (1GB) or $15 (2 GB) but I do not like to pay them a "robbery rate" of $19 for 1 MB of data, when the package is consumed.

Starhub said that after paying $19, I can continue to use data for the rest of the day without extra charge. I question this statement. I think their service stopped. I recalled getting a SMS message from Starhub that I would be charged extra if I continue to use the data. At this "robbery rate", I did not want to try.

I have considered moving to M1. They have a data passport plan where I pay $10 a month per country and the data that I used overseas is deducted from my local data.

I usually do not spend more than 3 days in a country, so the $10 a month is not suitable for me. I also do not like to turn the passport on and off each time that I travel.

The best solution for me is AirSIM. Their SIM card can work in any country. I buy a data package for the period that I am in the country. I pay a rate of $2 a day for most countries and have unlimited data. Actually, I have fast speed up to 500 MB a day and the speed is restricted to 256 kps after that. I find this acceptable.

Why I use AirSIM for data outside Singapore

My mobile operator, Starhub, used to charge a high rate for roaming data. In my regular travel to Jakarta and Johore, I bought a local SIM card in each country and buy a data package separately when I am in that country.

It was somewhat troublesome to buy the package, as I had to buy it when I am in the country. Their process was also quite troublesome. Still, I tolerated the trouble, as the cost is much lower than roaming data from Starhub.

What is the solution?
https://tklcloud.com/Feedback/feedback2.aspx?id=2232

Singapore is a deeply divided society.

Six decades ago, we were divided by race and religion. Efforts were made in the early days to promote racial harmony. It was largely successful.

Later, we became a deeply divided society, due mainly by government actions. It has caused disastrous results.

https://tklcloud.com/Feedback/feedback2.aspx?id=2231

Thursday, November 28, 2019

Favorable experience with AirSIM

I have used AirSIM for Taipei, Indonesia and Malaysia. It worked well.

AirSIM provide a separate SIM card. It can be used as the local SIM card for many countries. I can buy a local data plan at a price that is only slightly higher than the local data plan rate.

Here is an example. If I go into country X, I can buy a local SIM card for that country and purchase a local data plan. I have to pay for the SIM card at the airport and also register as the owner of that card. I need to queue up at the booth to make the purchase.

With AirSIM, I avoid the need to buy a local SIM card. I can use the SIM card that is provided by AirSIM and buy a data plan for that country.

Better still, I can buy the data plan in advance and set the effective date.

Early this week, I bought the data plan for Malaysia for Thurs and for Indonesia for Sun and Mon. I bought them in advance and set the starting date.

I travelled to Johore today and the data plan came on when I arrived in Johore. I had tried it for an earlier trip to Taipei and Jakarta, and it worked as expected.

The AirSIM app is easy to use. It is much better designed that the Starhub app. I had a lot of trouble with the Starhub app which was quite confusing to me. I did not have any trouble with the AirSIM app.

The AirSIM service is much better than Starhub from another angle. It gives unlimited data usage and does not charge extra when the data package is fully used. However, if I used more than 500 MB for a day, it automatically reduces the speed, but do not levy an exorbitant charge for the excess data.

In the case of Starhub, I had to pay for the excess data at a "robbery rate", which could be a few thousand times of the normal data rate. I could not find out what this "robbery rate" is.

For my travel outside of Singapore, I will be using AirSIM from now.

If you are interested to use AirSIM, you can register an account at airsim.com.sg. They will send you a SIM card and give instruction on how to use it.

www.airsim.com.sg

It is worth the trouble of activating the AirSIM account. AirSIM is a Hong Kong company.

https://tklcloud.com/Feedback/feedback2.aspx?id=2230

Wisdom of the Crowd - New Issues


1. Should PMDs be allowed on foot paths?
2. Should compulsory education be entirely free?

Vote in
https://tklcloud.com/Crowd2/vote.aspx

WOTC - Ban on PMD using foot paths

Wisdom of the Crowd: 68% of the participants in this survey said that the ban on the use of PMDs in the footpaths will cause a loss of votes to the PAP. The other 32% said that the PAP will not lose votes.

See the breakdown of the votes in
https://tklcloud.com/Crowd2/chart.aspx?ID=1698

WOTC - Ruling of Hong Kong judges on ban on face masks

Wisdom of the Crowd: 65% of the participants in this survey disagreed with the ruling on the Hong Kong judges that the ban on the use of face mask was unconstitutional. 35% agreed with the judges.

See the breakdown of the votes in
https://tklcloud.com/Crowd2/chart.aspx?ID=1697

Death from a lick of a dog

A post went viral in social media about a German who died from bacteria passed to him by the lick of his dog. People were discussing about the precaution that they should take with their dogs.

Hello, let me share some statistical "facts". The chance of dying from a lick from your pet dog is probably less than 1 in 100 million. Yes, one person did die from it. But every day 3 million people died from other causes, other than from the lick of their dog.

Some people will say - one death is one too many. Can they apply their wisdom to the 3 million people that die every day?

Wednesday, November 27, 2019

Wisdom of the Crowd - New Issues

1. Should SAF officers fly business class for military exercises?
2. Should PM Lee avoid making remarks on the Hong Kong situation?
3. Should the school hold back the PSLE result slip when parents owe money to the school?

Vote in
https://tklcloud.com/Crowd2/vote.aspx

Holding back PSLE result slip due to non payment of school fees

I shared a post by Gilbert Goh about a poor student who was not able to get the original PSLE result slip because her parents owed some money to the school.

I described this practice as "very bad". Here is my post.

The Ministry of Education gave their reply, as reported here.

Here are my views about the reply from MOE
https://tklcloud.com/Feedback/feedback2.aspx?id=2225

Wisdom of the Crowd - New Issues

1. Should SAF officers fly business class for military exercises?
2. Should PM Lee avoid making remarks on the Hong Kong situation?Vote in
https://tklcloud.com/Crowd2/vote.aspx

WOTC - Should the govt adopt a "Singaporean first" policy?

Wisdom of the Crowd: 91% of the participants in this survey prefered the govt to adopt a "Singaporean first" policy and ensure that Singaporeans have jobs that pay an adequate salary to meet the cost of living. 9% said that this goal is not possible due to the global economic environment.

See the breakdown of the votes in
https://tklcloud.com/Crowd2/chart.aspx?ID=1696

WOTC - How should the HK govt deal with the student unrest?

Wisdom of the Crowd: 42% of the participants preferred the Hong Kong govt to take more drastic action to deal with the student unrest, 39% prefer them to continue with the current approach and 19% to acceded to the demands of the students.

See the breakdown of the votes in
https://tklcloud.com/Crowd2/chart.aspx?ID=1695

Change CPF to make it flexible

When the Central Provident Fund was created in the 1950s, the aim was to accumulate savings for retirement.

CPF has changed over the years. It is now used for a variety of purposes, such as home purchase, medical expenses and insurance.

The govt still insists that CPF should be primary for retirement and has introduced schemes to defer the payout of a certain portion of the CPF savings to be drawn out throughout a lifetime.

The delay in withdrawal of CPF has caused a lot of problems to certain groups of people. They need to take out their savings earlier, on reaching age 55, for certain emergencies, or to enjoy their lifetime savings on travel while they are still able to.

Should the CPF scheme to be made flexible? I believe that they are sound reasons to make this change.
https://tklcloud.com/Feedback/feedback2.aspx?id=2220

How to increase the birth rate

Nikkei Asian Review.

Japan's births headed for biggest crash in 30 years
TOKYO -- Japanese births are on pace for the steepest drop in three decades despite earlier hopes that couples would ring in the new Imperial era with an addition to the family.
The number of Japanese babies born in the country is expected to reach 870,000 to 880,000 this year -- about 200,000 less than a decade ago and the lowest on record since 1899.

Find my solution here:
https://tklcloud.com/Feedback/feedback2.aspx?id=2219

Tuesday, November 26, 2019

Govt use POFMA to get Brad Bowyer to make a correction to his post

I find it worrisome that the government has used the POFMA law to ask for correction in the post made by Brad Bowyer.

https://www.channelnewsasia.com/…/brad-bowyer-facebook-post…?

The alleged falsehoods are:

1. The Government’s involvement in investment decisions by Temasek and GIC

What Mr Bowyer wrote: Mr Bowyer's Nov 13 post, said the Factually article, implies that the Government controls Temasek’s and GIC’s commercial decisions.

TKL comment - hey, this is just an opinion based on a reasonable interpretation. Surely, there must be some degree of influence or guidance? I would be surprised if there is none from the sole shareholder.

2. Amaravati project

What Mr Bowyer wrote: "We also saw the recent canning of the Amaravati city project part of the S$4 billion already dumped into Andhra Pradesh by GLCs and related parties so India has not been so good an investment choice after all."

TKL comment - the govt objected to the "implication" that the Amaravati project represent a large part of the $4 billion invested. Surely, this is just an opinion that is based on an interpretation of the available facts?

3. Salt Bae

What Mr Bowyer wrote: Mr Bowyer asserted that Temasek invested in the debt-ridden parent company which owns Salt Bae, said the Factually article.

TKL comment - The govt said that the parent company is not in financial distress, but their subsidiary is. A reasonable person would form the opinion that if a subsidiary is in trouble, the parent would probably be in difficulty also, as they will need to provide financial support to the subsidary?

Overall comment
I agree that it is proper for the govt to publish their "facts" in the Factually article, so that the public can form their own opinion based on the additional information.

But it is unfair to state that Brad Bowyer had engaged in deliberate falsehood, when he is just giving an opinion based on the information that is available to him?

Mobile gadgets should give a humming sound

Last night, I was walking on the footpath. A electric operated wheelchair passed me without any warning. It was moving at a slow speed and the user was careful to avoid me. Still, it would be better if it gave a humming sound to warn the pedestrian.

This morning, a bicycle passed me on the footpath from behind. Again, I was not aware about it. The cyclist was riding slowly, so there was no danger. Still, it would be better if there was a humming sound to warn the pedestrian.

I am in favor of sharing the footpath with other users, but I like them to ride slowly (less than 10 kph) and their device to give a humming sound to warn the pedestrians.


I do not mind PMDs sharing the footpaths, if they move at less than 10 kph and give a humming sound, also.

Agree?

Difficult to get a refund from GOMO

Mr X signed up for the GOMO service, which runs on the SingTel platform. He learned that it does not have auto-roaming. He cancelled the service and wanted a refund of the $20. GOMO process for cancellation was difficult. Mr. X was angry about it.

I asked Mr. X - why do you want auto-roaming? Surely, it is dangerous? I have been charged an exorbitant rate for roaming data which was activated by mistake or after the data package had expired.

I am waiting for his reply.

Yes - I agree with Mr. X that our business provider should behave fairly to their customers and not give unfair hurdles.

WOTC - PLA deployed to clean up the debris in Hong Kong

Wisdom of the Crowd: 94% of the participants in this survey are in favor of the use of the People Liberation Army in cleaning up the debris left by the protesters in Hong Kong. The other 6% are worried that it might lead to violent suppression.

See the breakdown of the votes in
https://tklcloud.com/Crowd2/chart.aspx?ID=1694

Wisdom of the Crowd - New Issues



1. How do you read the landslide victory for the democrats in Hong Kong?
2. Should the footpaths be shared with PMD riders?

Vote in
https://tklcloud.com/Crowd2/vote.aspx

Monday, November 25, 2019

How to solve the unemployment problem

Many countries have high unemployment. This problem is worse for youths. Many countries face the challenge of a high level of youth unemployment.

A higher level of education does not solve the problem. Indeed, many graduates are not able to get jobs.

What is the solution to provide adequate jobs for all citizens, including the first time job seekers who have completed their education?

Be prepared for a surprise. The solution is - central planning.
https://tklcloud.com/Feedback/feedback2.aspx?id=2213

Do not penalize the majority who are responsible PMD riders

I walk on the footpath daily to get to the office by bus. I also walk on the footpath from the grassroots club to my home.

I have met food delivery people once in a while. All the time, they were riding at a safe speed and quite responsibly.

I believe that some riders were speeding and irresponsible, but they represent the minority. These riders can be dealt with. They can be penalized and banned.

But do not impose the ban that affects everybody. Apart from the food delivery riders, there are people who use PMDs to get to the bus stops, train station and place of work.

75,000 of them bought the LU2272 complaint PMDs. Many of them paid for these devices by installments. It is not fair to tell them now that they cannot use the PMDs.




Interest rate on HDB flats

HDB charges an interest rate of 2.6% on mortgages. The banks charge a lower interest rate.

Why is this the case? Is it better to take a loan from the bank or from the HDB?

http://www.fisca.sg/ArticleDisplay.aspx?ID=658

PMD riders need to deliver food to make a living

I saw a small thin girl riding a PMD on a pavement in Kallang Road. She was wearing a light raincoat as it was drizzling. She entered into a food court.

Later, I saw her at the traffic junction waiting to cross the road. I asked her if she was doing food delivery.

She replied with a little fear - "Why you ask? Is there anything wrong?"

https://tklcloud.com/Feedback/feedback2.aspx?id=2209

Wisdom of the Crowd - New Issues

1. Will democracy provide a good government for a country.
2. Is central planning good for a country?
Vote in
https://tklcloud.com/Crowd2/vote.aspx

WOTC - Opinion of President Trump

Wisdom of the Crowd: 71% of the participants in this survey have a negative opinion of President Trump. 29% have a positive opinion.

See the breakdown of the votes in
https://tklcloud.com/Crowd2/chart.aspx?ID=1693

WOTC - Future for Hong Kong

Wisdom of the Crowd: 63% of the participants in this survey said that the future for Hong Kong is bleak. The other 37% is optimistic.

See the breakdown of the votes in
https://tklcloud.com/Crowd2/chart.aspx?ID=1692

Sunday, November 24, 2019

Wisdom of the Crowd - New Issues


1. When is the general election likely to be held?
2. Should the govt review the ban on PMD using the footpaths?
3. Which system of election do you prefer?
4. What is your opinion of President Trump
5. What is your opinion of President Xi Jinping?

Vote in
https://tklcloud.com/Crowd2/vote.aspx

Hong Lim Park, 23 November 2019, Speech by Tan KL on PMD Ban

I am not a PMD rider. But today, I like to stand united with PMD
riders and speak against the ban on the use of PMD on our
footpaths. OK or not?

The ban was hasty. It was not the right decision. It was a bad
decision. Agree or not?

https://tklcloud.com/Feedback/feedback2.aspx?id=2208

Wisdom of the Crowd - New Issues



1. When is the general election likely to be held?
2. Should the govt review the ban on PMD using the footpaths?

Vote in
https://tklcloud.com/Crowd2/vote.aspx

WOTC - Motion in Parliament on financial affairs of AHTC

Wisdom of the Crowd: 94% of the participants in this survey said that the MPs of AHTC should ignore the motion in Parliament to recuse themselves from the financial affairs of the town council. 6% said that they should obey the motion.

See the breakdown of the votes in
https://tklcloud.com/Crowd2/chart.aspx?ID=1691

WOTC - Future of Singapore

Wisdom of the Crowd: 80% of the participants are pessimistic about the future of Singapore. 11% are optimistic.

See the breakdown of the votes in
https://tklcloud.com/Crowd2/chart.aspx?ID=1690

Saturday, November 23, 2019

Stop the robbery rate on data plans

I sent this message to the head of Starhub data plan.

Dear
I suggest that you should not provide connection to any telco that does not give a fair deal to Starhub customers. You should not allow your customers to be ripped off by "robbery rates" for the use of data.
My Indonesian friend told me that the Indonesia telco (Telkomsel) allows him to buy a data plan outside of Indonesia. When the data is fully consumed, the service stopped. He is not charged a robbery rate for the excess data. To continue to use data, be can buy another plan.
I consider Starhub's practice of applying a "robbery rate" for the excess data to be deplorable. I have raised this complaint for several years, and Starhub ignored my protests.

Tan Kin Lian

https://tklcloud.com/Feedback/feedback2.aspx?id=2207

Flaws of a communist system

Over the past decades, the communist system had produced several flaws. But they have learnt and adapted. So, the communist system today can produce a better outcome for the people compared to a democratic system.

https://tklcloud.com/Feedback/feedback2.aspx?id=2206

Wisdom of the Crowd - New Issues

1. Should the govt compensate the PMD retailers for the unsold inventory due to the ban?
2. Should the 2 servicemen take the blame for the death of aloysius Pang?
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https://tklcloud.com/Crowd2/vote.aspx

WOTC - Modify the ban on PMDs using the walkways

Wisdom of the Crowd: 61% of the participants said that the government should modify the ban on the use of PMDs on walkways. The other 39% said that the ban should be maintained.

See the breakdown of the votes in
https://tklcloud.com/Crowd2/chart.aspx?ID=1686

WOTC - Singapore has a bleak future

Wisdom of the Crowd: 87% of the participants in this survey said that Singapore has a bleak future due to three reasons. The other 13% are optimistic about the future.

See the breakdown of the votes in
https://tklcloud.com/Crowd2/chart.aspx?ID=1689

WOTC - Unproductive for PMD riders to meet the MPs

Wisdom of the Crowd: 66% of the respondents said that the Land Transport Authority should organize a dialogue session with the PMD riders who are affected by the ban, rather than making the riders meet their MPs at the Meet the People session.

See the breakdown of the votes in
https://tklcloud.com/Crowd2/chart.aspx?ID=1688

Friday, November 22, 2019

Which system produce a better government

Many people think that democracy is the right system and that other systems, such as monarchy or communism, are wrong.

This is a flawed approach. Instead of blindly advocating democracy, we should examine if democracy produces a government that work in the best interest of the country and the people.

https://tklcloud.com/Feedback/feedback2.aspx?id=2201

Wisdom of the Crowd - New Issues

1. Will US and China sign phase on of the trade deal in 2019?
2. Is the American system of democracy a good model for the world?
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https://tklcloud.com/Crowd2/vote.aspx

WOTC - Should the govt reduce the level of defense spening

Wisdom of the Crowd: 84% of the participants said that the government should reduce the current level of defense spending. 16% said that the current level should be maintained.

See the breakdown of the votes in
https://tklcloud.com/Crowd2/chart.aspx?ID=1685

WOTC - Was the govt correct in allowing the use of PMD?

Wisdom of the Crowd: 96% of the respondents said that the government should not have allowed the use of PMDs in the first place in the current form. 4% said that it is all right to try this approach.

See the breakdown of the votes in
https://tklcloud.com/Crowd2/chart.aspx?ID=1684

Wednesday, November 20, 2019

US is asking for an excessive sum for their troops in South Korea

The US has 24,500 troops in South Korea. SK now pay US$ 1 billion to the US for the protection offered by these troops. Donald Trump want to ask a few times more.

What is a fair sum? I think it should be $100,000 for each troop. So SK should pay $2.5 billion - if they have to pay the full cost.

But the troops also serve US interest. So, perhaps, it should be shared equally, say $1.25 billion for each side. The current sum of $1 billion that SK pays is reasonable. The sum asked by Donald Trump is excessive.

What a mercenary!

Stop these "rubbish promotions"

I was outside the Fairprice supermarket in Toa Payoh. A customer was talking to the OCBC staff who was registering new customers for the OCBC Plus credit card. This card allows the customers to enjoy rebates for purchases at Fairprice.

Customer - I want to ask about the 300 Link points that I am entitled when I join as a member. Where is the 300 points?
OCBC - You have to ask Fairprice.
Customer - are you from Fairprice?
OCBC - No, I am from OCBC.
Customer - I have been receiving SMS from Fairprice about this promotion. I asked the staff in the supermarket, and they asked me to ask you about it. Now, you asked me to ask them. I have been experiencing this problem several times on my purchases.
OCBC - But there are terms and conditions. You have to make a purchase of $40 to qualify for the bonus.
Customer - I have receipt to show that I quality.
OCBC - From my laptop, I see that there is no such promotion.
Customer - Here is the SMS message on my mobile phone about this promotion. I keep receiving it.

The customer was obviously angry about this matter. He asked his wife to come and show the receipt.

Here is my take. We waste a lot of time on these "nonsense promotions". It creates a lot of problem for the front line staff. The "terms and conditions" do not help. They are usually quite confusing. They describe what can and cannot be counted to qualify. It is not worth while for the customer to waste this time. How much is 300 Link points worth? I don't know if it is 3 cents or 30 cents or $3.

I get all of these "rubbish promotions". I ignore the points given by the Telcos, and by the credit cards. When I enquire about what they are worth, they are usually useless, just a few cents of dollar. I will not describe them as "peanuts" which are actually worth $600,000.

Over the past 40 years, I hardly use the points from my airline travel or credit card. I have redeem them a few times, but found that they are really not worth the time.

I hope that our businesses stop these "rubbish promotions" and offer a 1% or 2% cash discount. They should save the money in engaging the promotion manager and having staff to manage an expense "rewards program".

https://tklcloud.com/Feedback/feedback2.aspx?id=2196


Speed up the processing at immigration counter

Dear Mr. Tan

Last year, I went paris. As we hold a biometric passport, the immigration officer only need to swipe the passport over the reader to get all information. It went well. They do not need to scan the image of the passport.

The immigration officer Singapore scan the passport for outgoing and incoming citizens. I believe that my passport is issued by ICA. They do not need to keep scanning the passport. They could have just swipe the passport to get the data from the magnetic strip. It will take less time compared to the scanning process.

in an event of deface of passport, I believe that the officer would have seen it.

I do not understand why our immigration officer need to waste time in scanning the passport when swiping it to get the magnetic data would be sufficient.

yf

Reply
I agree with your view. I have observed that our Immigration counter takes a long time to process each traveler, compared to overseas. Once, I had to go through the immigration counter, instead of the automated games, and I observed that it was quite slow.

I also observed that it took a longer time to clear the immigration at Woodlands compared to Johor Bahru for people travelling by car. I think that it is due to the time taken to scan the passport.

Wisdom of the Crowd - New Issues

1. How will the ban on PMD using walkways affect the votes for PAP?
2. Will you support a relaxation of ban on PMD using walkways
Vote in
https://tklcloud.com/Crowd2/vote.aspx

WOTC - Use of taxpayer's money to compensate PMD riders

Wisdom of the Crowd: 92% of the participants disagree with the use of $7 million in tax payer money to compensate the PMD riders who are affected by the ban.

See the breakdown of the votes in
https://tklcloud.com/Crowd2/chart.aspx?ID=1683

WOTC - Why people vote PAP in spite of bad policies

Wisdom of the Crowd: The participants gave the following reasons why people vote for PAP in spite of the bad policies - afraid of change (37%), not personally affected (31%), opposition candidates are worse (20%), they do not think of the future for their children (12%).

See the breakdown of the votes in
https://tklcloud.com/Crowd2/chart.aspx?ID=1682

Tuesday, November 19, 2019

Wisdom of the Crowd - New Issues

1. How should the Hong Kong govt deal with the latest student unrest?
2. Do you agree with a Singaporean First policy?
Vote in
https://tklcloud.com/Crowd2/vote.aspx

Why a Singaporean First policy is beneficial

I read a statement from a PAP minister reported in the Straits Times five years back. The minister stated that a "Singaporean First" policy is bad for the economy.

I disagree.
https://tklcloud.com/Feedback/feedback2.aspx?id=2188

WOTC - Vote against PAP

Wisdom of the Crowd: 85% of the respondents said that the PAP will still retain power, although with a loss of seats, even if every thinking person vote against the PAP. The other 15% said that the PAP will fall.

See the breakdown of the votes in
https://tklcloud.com/Crowd2/chart.aspx?ID=1681

WOTC - Respond to LHL's call

Wisdom of the Crowd: 64% of the respondents said that the voters will not heed the call by LHL to give a strong mandate to the PAP to meet the challenges posed by the global environment. 36% said that the voters will.

See the breakdown of the votes in
https://tklcloud.com/Crowd2/chart.aspx?ID=1680

Unable to retrieve my past filings

I went to the IRAS website to retrieve my past income tax filings. It was not available.

I did not keep a copy as the submission was done online.

I wonder why IRAS refused to let a tax payer access his own past filings. It was most inconsiderate of them.

IRAS asked for feedback about their website. I gave them a poor score on all of the categories. They have to be more friendly to the taxpayer. They should not create unnecessary stress and trouble to the taxpayer.

https://tklcloud.com/Feedback/feedback2.aspx?id=2186

A badly designed and confusing website


ACRA has a badly designed and confusing website.

They have hundreds of forms which are organized in a hierarchy. To get the right form, the user needs to know the hierarchy and to navigate through many layers of the form.

ACRA probably thinks that this is a good method of organization. They are mistaken.

https://tklcloud.com/Feedback/feedback2.aspx?id=2187

Monday, November 18, 2019

WOTC - Ban on PMD

Wisdom of the Crowd: 84% of the participants in this survey preferred the govt to adopt measures to lessen the impact of PMD ban on the livelihood of the food delivery workers. 16% preferred the govt to continue the ban.

See the breakdown of the votes in
https://tklcloud.com/Crowd2/chart.aspx?ID=1677

WOTC - Singapore brand hotels operating overseas

Wisdom of the Crowd: 58% of the participants in this survey liked Singapore brand hotels to employ Singaporeans for their hotels overseas. 42% disagreed.

See the breakdown of the votes in
https://tklcloud.com/Crowd2/chart.aspx?ID=1679

Sunday, November 17, 2019

Wisdom of the Crowd - New Issues

1. What is your opinion of Donald Trump?
2. Should the People Liberation Army be used to clean up the debris in Hong Kong?
Vote in
https://tklcloud.com/Crowd2/vote.aspx

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