Make CNY a reserve currency

 I suggest that China should take the following step to make the CNY as an alternative reserve currency. This will reduce the dominance of the USD in the international financial system.

https://tklcloud.com/Feedback/feedback2.aspx?id=6084

An alternative reserve currency

 I offer this suggestion to the China government to develop the CNY as an alternative reserve currency. This will provide an option for central banks to invest their reserves in the CNY and China stocks.

https://tklcloud.com/Feedback/feedback2.aspx?id=6083

Update on Tesla

 Here is an update of my investment in Tesla. 
https://tklcloud.com/Feedback/feedback2.aspx?id=6082

Upgrade Ez Link to SimplyGo

 It was troublesome and slow to upgrade a Ez Link card to SimplyGo

https://tklcloud.com/Feedback/feedback2.aspx?id=6081

SimplyGo and the future

 SimplyGo is a good platform for the future.

https://tklcloud.com/Feedback/feedback2.aspx?id=6079

Trips and balance in Simply Go App

 The SimplyGo app shows useful information about the trips, fare charged and the card balance. 
https://tklcloud.com/Feedback/feedback2.aspx?id=6080

Will SimplyGo fail?

 When the public transport system fail to operate when the internet is down?

https://tklcloud.com/Feedback/feedback2.aspx?id=6078

Why does LTA want to change to SimplyGo?

https://tklcloud.com/Feedback/feedback2.aspx?id=6077

Phase out the Ez Link transit cards

 I give this suggestion to help the transition from Ez Link to SimplyGo platform. It requires LTA and commuters to take their respective step to cope with the change.

https://tklcloud.com/Feedback/feedback2.aspx?id=6076

Use biometric verification or physical token

 I suggest the following approach to prevent online bank accounts being wiped out by scammers.

https://tklcloud.com/Feedback/feedback2.aspx?id=6075

Simply Go App

 I share my experience using the Simply Go app. To summarize, it was a frustrating and disappointing experience. The app was badly designed and contained bugs.

https://tklcloud.com/Feedback/feedback2.aspx?id=6074

Loan for retrenched workers

 I suggest that the government creates a loan scheme that can be taken by retrenched workers, as a scheme of last resort.

https://tklcloud.com/Feedback/feedback2.aspx?id=6073

 The Land Transport Authority will move the Ez Link platform to the SimplyGo platform. 

https://tklcloud.com/Feedback/latest.aspx?idorg=319

Not for profit hospital

 The Ministry of Health wants to set up a not-for-profit hospital. I do not like this concept. I suggest a different approach to address the underlying problem.

https://tklcloud.com/Feedback/feedback2.aspx?id=6071

Premature babies

 The cost of hospital care for premature babies should be handled through social insurance, and not by the parents or through private insurance.

https://tklcloud.com/Feedback/feedback2.aspx?id=6070

Review of education system

 We should adopt a new approach in our review of the education system. 
https://tklcloud.com/Feedback/feedback2.aspx?id=6069

Apps developed by organizations

 I have more than 50 apps on my mobile phone. Most of them are not necessary.

The wasteful ones are the apps developed by government agencies and the commercial companies, such as those that provide banking, telephone, utility and other services.

Here is an alternative that is easier for customers, reduces the development cost of the organizations and reduce the scams that is quite common.

https://tklcloud.com/Feedback/feedback2.aspx?id=6068

Mathematics of bus routes

 I explain the mathematics of replacing the trunk bus services with a new system of services with fewer stops. It allows the bus system to operate more efficiently, but the passengers have to make more transfers.

https://tklcloud.com/Feedback/feedback2.aspx?id=6067

BYD vs Tesla

 BYD sold more electric vehicles than Tesla during the last quarter of 2023. It overtook Tesla to be the market leader. However, its stock price fared worse than Tesla during the past 6 months.

https://tklcloud.com/Feedback/feedback2.aspx?id=6066

A better way to run a democracy

 The democratic system adopted in many countries is generally bad. It is explained in this article.

I also give my views of a better way to govern a country to reflect the wishes of the people.

https://tklcloud.com/Feedback/feedback2.aspx?id=6065

Taxi service

 I recall that taxis were easily available and the fares were low in Taiwan and Hong Kong

https://tklcloud.com/Feedback/feedback2.aspx?id=6064

Furnishing a 3 bedroom apartment in Forest City

 I furnished my 3 bedroom apartment in Forest City for less than $12,000 SGD.

https://tklcloud.com/Feedback/feedback2.aspx?id=6063

Transport system in Singapore

 I share my views on improving the transport system in Singapore.

https://tklcloud.com/Feedback/feedback2.aspx?id=6062

PE and PEG ratios

 I explain how to calculate the PEG ratio of a stock and to use it to determine if the stock price is fairly valued, over valued or under valued.

https://tklcloud.com/Feedback/feedback2.aspx?id=6061

Inexpensive taxi service

 I suggest that COEs for taxis and private hire cars be free, and that a larger quota be provided. This will reduce the price of taxi rides, and encourage some people to use taxis instead of owning a private car.

https://tklcloud.com/Feedback/feedback2.aspx?id=6060

Kra Canal

 Is the Kra Canal feasible?

I calculate the figures and conclude that it is marginally feasible.

https://tklcloud.com/Feedback/feedback2.aspx?id=6059

Valuation of OpenAI

 I think OpenAI is grossly overvalued and will drop sharply in value within two years.

https://tklcloud.com/Feedback/feedback2.aspx?id=6058

Universal basic income (UBI)

 I prefer the following alternative to Universal Basic Income (UBI)

https://tklcloud.com/Feedback/feedback2.aspx?id=6054

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