Changi Airport Terminal 5

 Singapore is spending US$10 billion to build Terminal 5 in Changi Airport.

https://tklcloud.com/Feedback/feedback2.aspx?id=6053

Reduce cost of living

 I suggest the following steps to reduce the cost of living in Singapore

https://tklcloud.com/Feedback/feedback2.aspx?id=6051

Flat rate of tax

 I prefer a flat rate of tax on income

https://tklcloud.com/Feedback/feedback2.aspx?id=6052

Social media

 Control over social media

https://tklcloud.com/Feedback/feedback2.aspx?id=6055

Artificiial intelligence (AI)

 Read danger of artificial intelligence (AI)

https://tklcloud.com/Feedback/feedback2.aspx?id=6056

Is covid vaccine harmful?

Is covid vaccine harmful?

 https://tklcloud.com/Feedback/feedback2.aspx?id=6057

How to deal with a recession

 Many people worry about a recession. They do not need to worry. Here is the reason.

https://tklcloud.com/Feedback/feedback2.aspx?id=6050

A fair wage system

 Here is the framework of a fair wage system that covers the minimum wage, and give higher pay for jobs that require skill and carries responsibilities.

https://tklcloud.com/Feedback/feedback2.aspx?id=6049

Apartmenti n Johor Bahru

 Here is a comparison of two new apartments available in Johor Bahru.

https://tklcloud.com/Fisca/ArticleDisplay.aspx?ID=1356

Pay premium directly to insurance company

 The policyholder should pay the insurance premium directly to the insurance company, rather than go through the insurance agent. 

https://tklcloud.com/Fisca/ArticleDisplay.aspx?ID=1354

Bukit Panjang LRT

 I traveled through Bukit Panjang on the LRT. It was the first LRT to be constructed in Singapore and is connected to Choa Chu Kang MRT station to serve 13 stations in Bukit Panjang. The design of the later LRTs is different and more elaborate.

https://www.tiktok.com/@kinliantan750/video/7310050659812887815?lang=en

How to deal with youth unemployment

 How to deal with youth unemployment

https://www.tiktok.com/@kinliantan750/video/7309615331608120594?lang=en

How to deal with inequality

 I share my views about inequality and what can be done to correct it.

https://www.tiktok.com/@kinliantan750/video/7309624185620385032?

Tesla stock - erratic price movement

 I sold nearly all of my Tesla stock and will wait for a right price to reinvest in the stock, perhaps at $200.

https://tklcloud.com/Feedback/feedback2.aspx?id=6048

Help young people to be employed

 I make this suggestion to help young people to get good jobs and reduce youth unemployment.

https://tklcloud.com/Feedback/feedback2.aspx?id=6047

Covid booster

 I will not take the covid booster for the following reason:
https://tklcloud.com/Feedback/feedback2.aspx?id=6044

Public transport to Johor Bahru

 I suggest the following steps to improve the public transport to Johor Bahru Checkpoint

https://tklcloud.com/Feedback/feedback2.aspx?id=6046

Old people living alone

 I am developing the concept to help old people who live alone.

https://tklcloud.com/Feedback/feedback2.aspx?id=6045

Combined passport checking

I suggest that following approach to have combined passport checking at land checkpoints.
https://tklcloud.com/Feedback/feedback2.aspx?id=6043

Wealth management products

 Wealth management products are sold in China. They offer higher returns compared to bank deposits but carry risks that are not understand by the investors.

Like collateralized debt obligations (CDO), they should not be approved for sale to the public.

https://tklcloud.com/Feedback/feedback2.aspx?id=6042

LRT has advantages over feeder buses

 The LRT has several advantages over feeder buses. They are explained in this video.
https://www.tiktok.com/@kinliantan750/video/7307892580019195154?lang=en

Travel by bus/ LRT

 I went on a journey by bus and LRT in Sengkang.

The LRT is convenient, and move fast, compared to a bus. It does not have to stop at a traffic junction and can move quickly because there are no other vehicles on the rail.

For the towns with LRT, i.e. Sengkang, Punggol and Bukit Panjang, it is better to reduce the frequency of the buses, so that the residents will use the LRT for travel within the town and to the MRT station.

This will allow less buses to be used and reduce the operating expenses of public transport. https://www.tiktok.com/@kinliantan750/video/7307456937703001362?

Is NTUC Income safe?

 Is it sound to place a large sum of money in an insurance policy from NTUC Income?

My answer is given here.
https://fisca.sg/ArticleDisplay.aspx?ID=1352

Paid mail

 I suggest that senders be given an option to pay a fee of $0.01 to send an email and that the email be marked as "paid" mail. This will allow the receiver to filter out the unpaid email into the spam folder. 

https://tklcloud.com/Feedback/feedback2.aspx?id=6036

Pay for individual article

 I suggest a platform be built to allow readers to pay for individual articles. 

https://tklcloud.com/Feedback/feedback2.aspx?id=6035

Digital identity and digital payment

 I suggest that digital identity and digital payment should be promoted.

https://tklcloud.com/Feedback/feedback2.aspx?id=6037 

National service

 Question raised in Parliament by Leong Mun Wai about National Service.

https://www.tiktok.com/@kinliantan750/video/7305919813203873032?lang=en

Food delivery robot

 Food delivery robot for rental $600
https://tklcloud.com/Feedback/feedback2.aspx?id=6032

Country Garden (2007.HK)

 I share my personal view of Country Garden (2007.HK).

https://tklcloud.com/Feedback/feedback2.aspx?id=6031

Big problems facing Singapore

 Singapore faced the following big problems that cannot be solved. 
https://tklcloud.com/Feedback/feedback2.aspx?id=6030

Safe internet

 I suggest that a "safe internet" be developed to be under better control and avoid false and harmful content being spread. 

https://tklcloud.com/Feedback/feedback2.aspx?id=6028

Total breakdown of digital payment

 Is any country prepared for the day that the entire banking system fails and digital payment cannot be made?

https://tklcloud.com/Feedback/feedback2.aspx?id=6026

Change trunk service to feeder service

 In this paper, I show the calculation to support my points:

a) Restructure of bus system can save $1 billion a year.
b) Waiting time for a feeder bus is 2 minutes.

https://tklcloud.com/Feedback/feedback2.aspx?id=6025

Allocation of COEs

 Is there an alternative to the COE system practiced in Singapore?

We can study the practice in the major cities in China. https://tklcloud.com/Feedback/feedback2.aspx?id=6024

Restructure the public transport system in stages

 I give my view on how to restructure and rationalize the public transport system in two stages to achieve cost savings and shorten travel time.

https://tklcloud.com/Feedback/feedback2.aspx?id=6016

Impact of automation on jobs

 I share my views of the impact of automation on loss of existing jobs and new job opportunities

https://tklcloud.com/Feedback/feedback2.aspx?id=6014

Unable to transfer funds into my DBS bank account

 
I was not able to transfer my balance from Pay Pal to my account with DBS bank.
https://tklcloud.com/Feedback/feedback2.aspx?id=6013

Advertise on my Facebook page

I have been approached many times by marketers who offered an attractive regular revenue to list links on my page to products from their advertisers.

I declined these proposals. I suspect that it is a scam.

https://tklcloud.com/Feedback/latest.aspx?idorg=320 

Change to terminal bonus

This policyholder is unhappy that the terminal bonus has been reduced or cancelled due to poor performance of the insurance fund.
https://tklcloud.com/Feedback/feedback2.aspx?id=6011

Possible loss of immunity caused by covid vaccine

I met Mr. H for the first time at a corporate event. We talked about happenings in Singapore. Mr. H is 60 years old, retired from a corporate job, and now runs a business.

He told me that he was not vaccinated for covid-19. He had read, in detail, the documentation of the clinical trial for the Pfizer mRNA vaccine and was amazed to find some disturbing information.

https://tklcloud.com/Feedback/feedback2.aspx?id=6010

Regulate private hire like taxis

 Regulate private hire like taxis 
https://tklcloud.com/Feedback/feedback2.aspx?id=6009

Alternative shipping route to bypass the Straits of Malacca

This will have a serious impact on the port of Signapore

https://tklcloud.com/Feedback/feedback2.aspx?id=6008

New public transport system

I extract these data to work out how to plan a new public transport system using feeder services to bring commuters to MRT stations and bus interchanges:

https://tklcloud.com/Feedback/feedback2.aspx?id=6007

Allow president to serve international organizations

 I give my view on the proposed change to the constitution to allow the president to serve in foreign and international organizations in his private capacities. 

https://www.straitstimes.com/singapore/politics/bill-proposed-to-allow-president-ministers-to-take-on-international-roles-in-private-capacities

Restructure the bus system

I expect a potential saving of $1 billion a year and other benefits from restructuring the bus system
 
https://tklcloud.com/Feedback/feedback2.aspx?id=6005

Johor-Singapore Special Economic Zone

 I give my views on the impact of the Johor-Singapore Special Economic Zone on property prices, job opportunities and the exchange rate, as seen from the perspective of Singapore.

https://tklcloud.com/Feedback/feedback2.aspx?id=6003

Country Garden (2007.HK)

 Can Country Garden (2007.HK) ride through this difficult period? If they can, the stock price can easily increase 200% from the current level.

https://tklcloud.com/Feedback/feedback2.aspx?id=6002

New Singapore Dream

 I suggest a new Singapore Dream to replace the 5Cs. 

https://tklcloud.com/Feedback/feedback2.aspx?id=6001

Loss from hacked bank accounts

 Should the bank or the customer be responsible for losses arising from hacked bank accounts? I give my views here. 
https://tklcloud.com/Feedback/feedback2.aspx?id=5996

Excess deaths due to vaccine?

 Singapore reported a high ratio of excess deaths in recent years. This ratio is the highest among the countries that were tracked. Is the excess deaths due to the covid vaccine?

https://tklcloud.com/Feedback/feedback2.aspx?id=5994

Selfie with Tan Kin Lian

 Have you taken a selfie with Tan Kin Lian?

You can collect a campaign poster. https://tklcloud.com/Feedback/feedback2.aspx?id=5993

Secrecy and transparency

 The PAP government believes in secrecy. Many important matters are kept secret.

Here are some examples:

1. How much are our reserves

2. What were the terms of the multi-year, multi-million dollar Formula 1 contract

3. What is the construction cost for HDB flats

4. What military equipment were bought and the prices paid

When important matters and decisions are kept secret, there is the risk that corrupt practices may be undetected. It could also lead to costly and wasteful spending.

On the other hand, full transparency may create problems also. Some of the "secrets" may be used by third parties, or contractors, to submit higher bids for contracts. Ordinary people, who are not qualified to judge, may pass irresponsible opinions.

What is the right balance between secrecy and transparency?

I believe that , on balance, transparency is a better approach.

I also believe that ordinary people should respect and trust the decisions taken by the people in charge, and should not argue over differences of opinion.

Tan Kin Lian

A walk through Forest City

 https://www.dropbox.com/scl/fi/22qk6uqur4k4fy5el89f0/AwalkwithTKL-ForrestCity.mp4

Kra canal in Thailand

 Here is a recent video about the Kra Canal project in Thailand.

The new government in Thailand is discussing with China about this project.

The cost of $25 billion USD may not be a key obstacle, as the canal may be viable and can be funded by international capital. |

The economic impact on Singapore could be serious. (This is more than I had expected earlier).

There is also a geopolitical dimension. Singapore is closely aligned with America, which station its naval base in Singapore. https://www.youtube.com/watch?v=GXbAqaUdQds

Anonymous profiles in social media

 Anonymous profiles in social media can be used to spread hatred, malice, falsehood and harm. It has to be controlled.
https://www.tiktok.com/@kinliantan750/video/7295891301759831304?lang=en

Presidential tips for young people

I am standing for the presidential election in 2023. Here are my presidential tips for young people. 

https://tklcloud.com/Feedback/feedback2.aspx?id=5831

How to cope with rising health care cost

 https://tklcloud.com/Feedback/feedback2.aspx?id=5828

Launch of Tan Kin Lian for President 2023

 Here is my speech at the launch of the campaign. Please help me to spread this message virally to your social media contacts using chat groups on various platforms. Thank you.

https://tklcloud.com/Feedback/feedback2.aspx?id=5824

 Make life better for Singaporeans.

https://tklcloud.com/Feedback/feedback2.aspx?id=5765

My life story - Tan Kin Lian

 https://tklcloud.com/Feedback/feedback2.aspx?id=5761

Wisdom of the Crowd - New Issues

 

1. Should PM Lee ask the home minister to allow Suet Fern's family to return to the wake of her deceased father without being detai
2. Should the government allow a terminally ill patient to opt to end his life?

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

Assisted death

 Should the state allow a terminally ill patient to opt for assisted death?

https://tklcloud.com/Feedback/feedback2.aspx?id=5759

WOTC - Arrest for an undisclosed reason

 Wisdom of the Crowd: 88% of the respondents said that it is justified to place the minister under arrest for a reason that is not disclosed now, but will be disclosed later.

https://tklcloud.com/Crowd2/chart3.aspx?id=2933

TKL Portfolio as at 29 July 2023

 I reported the gain on my portfolio of $4.04 million daily.

Many people expressed interest in the stocks that I invest in. I wrote this article to cover my position as at 29 July 2023.

I hope that you find it useful.

https://fisca.sg/ArticleDisplay.aspx?ID=1340

Investing a portolio

I received questions regularly about my investment portfolio. In particular, many people suggested that I should realize my capital gain. I write this article to explain why their questions are not relevant.

https://fisca.sg/ArticleDisplay.aspx?ID=1339

WOTC - Minister Iswaran

 Wisdom of the Crowd: 78% of the respondents said that, in the case of minister Iswaran, the evidence point to corruption and the arrest was proper.

https://tklcloud.com/Crowd2/chart3.aspx?id=2932

Register a 6 digit verification PIN

 I sent this suggestion to my bank (DBS) and to MAS.

MAS always gives a polite reply and most time do nothing. They are like that.

https://tklcloud.com/Feedback/feedback2.aspx?id=5758

Collapse of road leading to Forest City

 https://tklcloud.com/Feedback/feedback2.aspx?id=5757

Life insurance coverage for a young man

 I give this practical advice to a young man on his life insurance coverage.

https://fisca.sg/ArticleDisplay.aspx?ID=1338

A ceremonial or active president?

 Do you prefer a ceremonial or an active president? Give your views in the article. https://tklcloud.com/Feedback/feedback2.aspx?id=5756

Sing Pass

 Sing Pass should be used for authentication only. The other functions should be passed to a separate app.

https://tklcloud.com/Feedback/feedback2.aspx?id=5755

Finder fee of 2%

 How I dealt with a finder fee of 2%.

https://tklcloud.com/Feedback/feedback2.aspx?id=5754

Wisdom of the Crowd - New Issues

1. Should the speaker resign from his post for uttering a bad language?
2. Is it proper to placed Iswaran under arrest at this time?
3. Minister Iswaran is placed under arrest for reasons that are not yet known to the public.

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

Wisdom of the Crowd

 Make your voice heard. Vote on these issues.

https://tklcloud.com/Crowd2/active_issue.aspx

Wisdom of the Crowd

1. Will Iswaran's case develop into a serious matter?
2. Did Iswaran do a good job as trade and industry minister?

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

Levels of corruption

Here are the different levels of corruption.

I wonder which level applies in the CPIB investigation of Iswaran and Ong Beng Seng.

https://tklcloud.com/Feedback/feedback2.aspx?id=5753

If it is level 5, I think that it is not serious, and is creating a big issue out of a small matter.

Wisdom of the Crowd - New Issues

1. Should the president play a role in influencing government policies?
2. Which of these goals are most important for the people of Singapore
3. How can the president help to make life better for the people?
4. Should the president use his powers to ensure that the reserves are properly invested?
5. Should the president exercise his authority on the appointment of top civil servants?

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

How to deal with hackers

 If you understand how hackers work, you do not need to be so scared. 
https://tklcloud.com/Feedback/feedback2.aspx?id=5752

TKL for President - Musing #2

 https://tklcloud.com/Feedback/feedback2.aspx?id=5751

Give helpful feedback

When a person ask for my advice,

a) I look for what is right
b) I am supportive
c) I assume that that person had thought over the matter and is likely to be right

If I have to give a different perspective, I share my experience, so that he can see if it is relevant. I do not presume that I am right.

I avoid taking this posture
d) Think that I am smarter than he is
e) Look for worse case scenarios
f) Be a wet blanket.

Sadly, many people belong to the second category. I find them to be not helpful. After a while, I avoid them.

Tan Kin Lian
 

Paranoia over security arrangements

 Singapore businesses are too paranoid about security. They overdo their security protocols. They create unnecessary steps. They make life difficult for their customers and the public.

The overloaded protocols also caused the platforms to behave erratically and to crash regularly. This has happened to our banks, commercial organizations and the government websites.

I have encountered problems with online transactions frequently.

In spite of these measures, the online scams are rampant in Singapore. My friend, who followed the statistics, said that Singapore has the highest rate of online scams among the countries in the world.

I think my friend probably exaggerate in making this statement. We may not have the highest, but I think the frequency is quite high.

Recently, I encountered difficulty in accessing my bank account as their 2FA protocol does not work. I fell back to input a manual PIN, that is generated from their app. They asked me to get a 8 digit "challenge" by SMS, and enter it into the app to get a 8 digit response. I had to do this entry a few times, because it is difficult to remember a 8 digit number, and I have to flip from one screen to another to complete the process.

I also encountered a problem with my stockbroker. I submitted an order and was told that it was rejected due to "exceed limit". I checked. It was within limit. Their system was haywire. I was asked to wait for it to be corrected.

Even making an online purchase is difficult. When I logged into the Lazada website, they expected me to enter the user code and password (which are necessary), but also to get a PIN sent by SMS for a second level authentication. This was unnecessary and troublesome. Worse, the SMS did not arrive immediately. I had to check a few times.

I make purchases with Lazada Malaysia. They did not require a SMS PIN authentication. Nobody hacked into my account to make purchases. It is quite safe.

I suspect that the use of 2FA authentication, even for online purchases, is mandated by the government. The people who make these rules do not appear to have a practical mind.

If we continue to impose unnecessary and complicated requirements, we will make it difficult for businesses to transform their processes to adopt digital processes. They will face a lot of problem and give up.

We need a more practical approach towards these problems.

Tan Kin Lian 

Singapore economy

 Wisdom of the Crowd: 94% of the respondents are pessimistic about the near term prospects for the Singapore economy.

https://tklcloud.com/Crowd2/chart.aspx?ID=2908

Set a limit for immediate bank transfers

 I have a suggestion to stop bank customers from being scammed by a large sum.

https://tklcloud.com/Feedback/feedback2.aspx?id=5748

Apply for a patent

 Is there a government grant to cover the expenses of apply for a patent?

https://tklcloud.com/Feedback/feedback2.aspx?id=5747

WOTC - George Goh v Tharman S

 Wisdom of the Crowd: 69% of the respondents would vote for George Goh in the presidential election over Tharman S.

https://tklcloud.com/Crowd2/chart.aspx?ID=2913

WOTC - Tharman S as president of Singapore

 Wisdom of the Crowd: 36% of the respondents have a favorable opinion of Tharman as president of Singapore.

https://tklcloud.com/Crowd2/chart.aspx?ID=2914

WOTC - George Goh as president

 Wisdom of the Crowd: 77% of the respondents have a favorable opinion of George Goh as president of Singapore.

https://tklcloud.com/Crowd2/chart.aspx?ID=2915

Wisdom of the Crowd - New Issues

1. How to protect the interest of minority in Parliament
2. Many bus services at each bus stop
3. Will there be a contest in PE2023?

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

My lack of interest in the presidential election

 https://tklcloud.com/Feedback/feedback2.aspx?id=5746

Taking care of seniors in financial need

https://tklcloud.com/Feedback/feedback2.aspx?id=5743

Giving a view on another person's writing

 https://tklcloud.com/Feedback/feedback2.aspx?id=5741

Wisdom of the Crowd - New Issues

1. How do you describe China
2. How do you describe America
3. Will there be a contest in the presidential election 2023?
4. Will Lee Hsien Yang participate in the presidential election in 2023?

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

Make a proper introduction

 Often, a stranger would come up to me and said "Hello, Mr. Tan. Nice to see you".

I could not recognize him and wondered if he was a former colleague, neighbor or business associate.

I asked him, and he said "I followed you on Facebook".

It would have been better if he had introduced himself properly, and do not presume that I know his background. It would only be fair to me.

A 76 yo person sent me a private message to suggest that I should contest the presidential election. He introduced himself as being 76 yo and a complete stranger to me. It was proper for him to introduce himself in this way.

I find it easier to reply to a person who made a proper introduction.

I often get private messages from strangers who asked "Are you free to chat" or "Tell me about yourself". I delete all of these requests for being presumptions.

The girl from Angola send me an email and a private message from Facebook. She explained in fair detail about her family circumstances and requested for a donation that would allow her to study a course and get a job. She sounded sincere. I asked a few follow up questions and decided to help her in a small way (smaller than what she asked for).

It is important for a person to make a proper introduction before engaging with another person.

I hope that this advise is useful for you.

Tan Kin Lian

Wisdom of the Crowd - New Issues

1. How do you describe China
2. How do you describe America

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

Delivery from Shopee

http://tklcloud.com/Feedback/feedback2.aspx?id=5735

Overcharged by travel agent

 I asked my friend's secretary in Jakarta to arrange return train tickets from Jakarta to Bandung.

As she was not familiar with purchase of train tickets, she approached a travel agent in Jakarta.

The travel agent overcharged me by loading 150% to the actual cost of the tickets, i.e. they charged IDR 1 million (S$85) when the actual tickets cost IDR 400,000 (S$37). Furthermore, they did not give me the full train schedule and only offered an inconvenient time for both trips.

I learned later that I could have searched online for the tickets, get the actual price and select the most appropriate departure time. If I needed to reserve the tickets in advance, it could also be done.

I do not blame the secretary because she was not familiar with the purchase of train tickets. I guess that this is how travel agencies make a quick buck from unsuspecting travelers.

Tan Kin Lian 

Lava bands

 A tout sold me three lava bands at the volcano in Tanghuban Perahu Nature Park in Bandung.

He spoke English and followed me for a while, giving useful information about the volcano crater and the site. He was not intrusive, unlike the other touts.

He asked for a higher price but I bargained it down to RM 200,000 (S$17) for 2 pieces. He gave a smaller piece as an "extra".

He said that the lava band helped to reduce stress. I did not believe him at that time, but it did not matter. Later, I checked Google and found that the lava stone absorbed negative ions, and did have that effect of reducing stress.

My Indonesian friend, who accompanied me to the volcano, suggested that I should allow him to do the bargaining and get a better price as a local.

I thanked him for his offer, but told him that I do not mind paying a higher "tourist" price to help the local vendors, who had to make a living.

Tan Kin Lian

Angola girl (2)

I helped a family in Angola
 http://tklcloud.com/Feedback/feedback2.aspx?id=5734

WOTC - Tharman S

 Wisdom of the Crowd: 36% of respondents have a favorable view of Tharman S as president of Singapore.

https://tklcloud.com/Crowd2/chart3.aspx?id=2914

WOTC - George Goh

 Wisdom of the Crowd: 76% of respondents are positive about George Goh as president of Singapore.

https://tklcloud.com/Crowd2/chart3.aspx?id=2915