Bus service

 Display on fare meter 

https://t.me/tkl_channel/350?single

Bus guide

https://t.me/tkl_channel/352

Nvidia

 Why are Nvidia's chips fast?

https://t.me/tkl_channel/344

China will boost domestic consumption

 China is implementing a 30 point plan to boost domestic consumption

https://t.me/tkl_channel/340

Medishield Life

For older people who find the premium under a private medical plan (also called an integrated plan) to be too expensive, they can consider downgrading to Medishield Life.

https://t.me/TKL_Financial_Literacy/355

Here are the premiums for Medishield Life and private integrated plans for older people from age 65. 

https://t.me/tkl_channel/325

Zhuanyuan Jiang

 

Mid Autumn dice game or Zhuanyuan Jiang

https://youtu.be/vEMtmN1I52c?si=SwdCq_z02q_ImT2G

How China use big data

 This is how China uses big data to improve the livelihood of the rural people. 

https://t.me/tkl_channel/316

TKL Financial Literacy

 

Join my Telegram group (TKL Financial Literacy) to get regular updates on investment, insurance and financial planning. 

https://t.me/TKL_Financial_Literacy

TKL Channel on Telegram

 
You can access my Telegram channel at https://t.me/tkl_channel  

It is updated daily

TKL Facebook page

 
My Facebook Page is accessible at www.facebook.com/kinlian 

It is updated daily. 

Join TKL events

If you wish to visit Forest City or Aeon Bukit Timah/ Gentle Farms, read the details and register here.

 https://tklcloud.com/Event/whats_on.aspx

WhatsApp group - TKL Friends

 I have a WhatsApp group called TKL Friends. I post my more serious articles in this group for the members to read.

If you wish to join this group, you can use this link:

https://chat.whatsapp.com/K3jY1h22inC62Gzi77D8JM

Make sure that your phone profile has your name. I reject profiles that do not have the owner's real name.

When you join, read the notice pinned in the group. This is not a chit chat group. If you wish to give your opinion, you have to write it clearly and in full sentences.

Integrated Shield plans

 Integrated Shield Plans (IPs) in Singapore offer additional coverage beyond the basic MediShield Life, with premiums varying based on factors such as age and the level of coverage. For individuals aged 70 and above, premiums can be substantial, especially for plans covering private hospital treatments. According to the Ministry of Health (MOH), lifetime premiums for private hospital IPs can amount to S$323,900, excluding riders.

In recent years, there has been a notable increase in IP premiums. Following the end of the premium freeze by the Life Insurance Association (LIA) on August 31, 2024, nearly all insurers raised their premiums for private medical IPs and riders. For instance, at least one insurer increased IP premiums for private wards by an average of 21% without riders and 35% with riders. For restructured hospital base plans, the increases were 14% without riders and 23% with riders.

These rising premiums have led some older policyholders to reconsider their coverage. Between 2020 and 2023, 2.2% of individuals over the age of 60 relinquished their IPs, reverting to the basic MediShield Life. This trend is attributed to the escalating premiums and the limitations of MediSave in covering the annual payments.

It's important to note that premiums vary among insurers and depend on the specific plan and coverage level. For precise and up-to-date premium information, especially for those aged 70 and above, it's advisable to consult directly with the respective insurance providers or refer to the latest resources from the Ministry of Health.

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16You and 15 others

Bus services to Johor Bahru

 I have travelled to Johor Bahru by bus many times and am familiar with the different buses to take.

Most people go by MRT to Woodlands station to take 950 or Kranji station to take 160, 170 or 170X.

Because 160 and 170 have to serve other parts of Singapore, their arrival time is erratic.

170X and 950 are shuttles to Woodlands checkpoint.

950 is more suitable as it starts from a bus interchange and takes a shorter route to the checkpoint. LTA allocates insufficient buses for 950 leading to long queues. The public has to wait 25 minutes to board the third bus on busy days.

170X starts from Kranji station that it does not have an adjoining bus interchange. The queue is long. 170X also takes a longer time to reach the checkpoint as it travels a longer way.

After the Woodlands checkpoint, all four services travel on the same route to the JB checkpoint.

If adequate buses are provided for 950, therr is no need for 160, 170 and 170X to operate on this stretch.

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95You and 94 others

Weight exercise for elderly people

 it is important for elderly people to build and maintain muscle strength. Here's why:

1. Preserving Mobility and Independence

Muscle strength supports balance, coordination, and the ability to perform daily activities like walking, climbing stairs, or lifting objects.

Strong muscles reduce the risk of falls and injuries, which are common among the elderly.

2. Combating Sarcopenia

Sarcopenia, the age-related loss of muscle mass and strength, begins as early as the 30s and accelerates after 60.

Building muscle can slow down or reverse this process, helping maintain physical function.

3. Improving Bone Health

Resistance training stimulates bone growth and density, reducing the risk of osteoporosis and fractures.

4. Enhancing Metabolic Health

Muscle mass improves glucose metabolism, reducing the risk of type 2 diabetes.

It also helps maintain a healthy weight by boosting the resting metabolic rate.

5. Supporting Cardiovascular Health

Regular strength training can lower blood pressure and improve heart health.

It complements aerobic exercises for a balanced fitness routine.

6. Boosting Mental Well-being

Exercise, including strength training, releases endorphins that improve mood and reduce anxiety and depression.

It enhances cognitive function and may lower the risk of dementia.

Tips for Elderly People to Build Muscle Safely:

Start Slowly: Begin with light weights or bodyweight exercises.

Focus on Form: Proper technique is crucial to prevent injuries.

Include Resistance Training: Use resistance bands, free weights, or machines.

Incorporate Functional Exercises: Activities like sit-to-stand movements or carrying groceries mimic real-life tasks.

Stay Consistent: Aim for at least two sessions of strength training per week.

Consult Professionals: Work with a physical therapist or fitness trainer to design a safe, effective program.

Building muscle is not just about aesthetics; it's essential for maintaining quality of life and health as we age.

Tan Kin Lian's views on Google Blog

 I am having some problems with Facebook and may have to move to a new platform.

I will post my views on Google Blog. If you wish to follow my views, you can read my Google Blog at

https://www.blogger.com/blog/posts/11702093?hl=en&tab=jj

I will be creating a new platform (tentatively TKL Blog) but this may take a few weeks to be ready.

Measnwhile, visit my Google Blog so that I can track your interest in following my views.

DBS card payment

I sent this feedback and suggestion to DBS on card payment

 https://tklcloud.com/Feedback/feedback2.aspx?id=6175

Stop credit card fraud

 I have written to the government to suggest that sll card issuers be required to adopt this protocol to sttop credit card fraud. 

https://tklcloud.com/Feedback/feedback2.aspx?id=6174

General election 2024/5

 Vote unconditionally for a non PAP candidate in the general election for 2024/5. 
https://tklcloud.com/Feedback/feedback2.aspx?id=6173

Public transport to Forest City

 This is how you can travel to Forest City by public transport from Singapore and return to Singapore. 
https://tklcloud.com/Feedback/feedback2.aspx?id=6172

Stolen credit cards

 This is a method for the card issuer to stop thieves from using stolen credit cards to make payments. 
https://tklcloud.com/Feedback/feedback2.aspx?id=6171

National Anthem of China

 Although I am familiar with Chinese, I find it difficult to follow the words and meaning of the national anthem of China. Here is my research.

https://tklcloud.com/Feedback/feedback2.aspx?id=6170

Cost of high speed rail

  A comparison of the cost of High Speed Rail. 

https://tklcloud.com/Feedback/feedback2.aspx?id=6169

Dispute over government subsidies

All governments subsidizes their producers in various ways. 

 https://tklcloud.com/Feedback/feedback2.aspx?id=6168

High speed rail - Singapore and Kuala Lumpur

 I hope that the High Speed Rail will proceed, and that governments of Malaysia and Singapore can agree on the partnership model. 

https://tklcloud.com/Feedback/feedback2.aspx?id=6167

MHS insurance scheme

 I would like to seek your advice on NTUC Income MHS scheme which was introduced when you were CEO of Income.

When we purchased the policy, we were told the coverage was till 80 years old. But recently we received a letter from Income informing that they are discontinuing MHS. Can they do that? Isn't it a breach of their promise to cover policy holders till 80 years old?

https://tklcloud.com/Feedback/feedback2.aspx?id=6166