Verify identity on online platforms

 I suggest the following approach to identify a person uniquely using a phone number that is verified with SingPass. This verified identity is to be used for online platforms. 

https://tklcloud.com/Feedback/feedback2.aspx?id=6110

Build HDB flats in advance

 I prefer that HDB build flats in advance of demand

https://tklcloud.com/Feedback/feedback2.aspx?id=6108

A personal perspective of Taylor Swift

 This is my personal perspective of Taylor Swift. 
https://tklcloud.com/Feedback/feedback2.aspx?id=6107

Exclusive arrangement with Taylor Swift

Singapore arranged with Taylor Swift to perform in Singapore exclusively. 
 https://tklcloud.com/Feedback/feedback2.aspx?id=6106

Give your full name

 Give your full name in WhatsApp messages. 
https://tklcloud.com/Feedback/feedback2.aspx?id=6105

Baidu stock fell 10%

 I suspect that the hedge funds are attacking the China stocks for geopolitical reasons.

https://tklcloud.com/Feedback/feedback2.aspx?id=6104

How to sell NTUC Income shares

 Several shareholders have asked me for advise on how to sell NTUC Income shares. I am not familiar with the current arrangement. I asked them to seek advise from the corporate secretary of NTUC Income.

I checked with Google Gemini. Here are some relevant information.
https://tklcloud.com/Feedback/feedback2.aspx?id=6103

Governance of Singapore

 I suggest the following changes to improve the governance of  Singapore
https://tklcloud.com/Feedback/feedback2.aspx?id=6102

Flat rate tax

 I prefer that a flat rate of tax be applied to all income, rather than a variable rate that is applied to differnt bands of income. 

https://tklcloud.com/Feedback/feedback2.aspx?id=6101

Supply of green fuel to aircrafts

 It is a bad idea to create a monopoly to supply green fuel to aircrafts, as it might lead to corrupt practices. 
https://tklcloud.com/Feedback/feedback2.aspx?id=6100

Expressway services

I suggest that the trunk services for long distance travel be replaced by expressway services.
 https://tklcloud.com/Feedback/feedback2.aspx?id=6099

China and the Asian Tigers

 China and the Asian tigers made significant economic development due to the inflow of foreign capital, technology and its largely authoritarian government. 

https://tklcloud.com/Feedback/feedback2.aspx?id=6098

SG Wallet and SG card

 I suggest that the government introduce the SG wallet and SG card for digital payment. It will soon become the dominant form of digital payment in Singapore. 

https://tklcloud.com/Feedback/feedback2.aspx?id=6097

My views of budget 2024

I am disappointed with Budget 2024. It failed to address the top two challenges facing Singapore.

 https://tklcloud.com/Feedback/feedback2.aspx?id=6096

Fear of retrenchment

 I send this suggestion to DPM Lawrence Wong on how to address the fear of retrenchment felt by workers in Singapore. 

https://tklcloud.com/Feedback/feedback2.aspx?id=6095

My message to transport minister

 I sent this message to the minister for transport.

Dear Minister,

I have three suggestions on SimplyGo and ERP 2.0.

Integrate fare systems earlier than 2030

https://tklcloud.com/Feedback/feedback2.aspx?id=6091

Use of SimplyGo for retail payments

https://tklcloud.com/Feedback/feedback2.aspx?id=6094

Suggestion to phase in ERP 2.0

https://tklcloud.com/Feedback/feedback2.aspx?id=6093

I hope that you find them useful.

I am available to explain these suggestions to you or your officers.

Tan Kin Lian

Use of Simply Go card for retail payment

 I will suggest to the transport minister to use this approach to make the SimplyGo card actively used for retail payments.

https://tklcloud.com/Feedback/feedback2.aspx?id=6094

Suggestion to phase in ERP 2.0

I will suggest to the transport minister to adopt this approach to phase in ERP 2.0
 https://tklcloud.com/Feedback/feedback2.aspx?id=6093

Comparsion of online prices

I compare the prices of a branded product quoted in online platforms in Singapore and Malaysia
 https://tklcloud.com/Feedback/feedback2.aspx?id=6092

Integrate transport fare systems earlier

 I suggest that the transportt fare systems should be integrated earlier than 2030
https://tklcloud.com/Feedback/feedback2.aspx?id=6091

Communist system

 I explain the communist system and why I prefer this system to liberal democracy.

https://tklcloud.com/Feedback/feedback2.aspx?id=6090a

Democracy, socialism and communism

 In this article, I explain my perspective of the difference between democracy, socialism and communist. I also explain why I prefer the socialist economic system and the communist political system.

https://tklcloud.com/Feedback/feedback2.aspx?id=6089

Cost of constructing MRT lines

 The cost of constructing the MRT line in Singapore is several times higher than other Asian countries.

https://tklcloud.com/Feedback/feedback2.aspx?id=6088

Cost of commuter train fares in major cities

 The cost of commuter train (MRT) per km is Singapore is similar to other major cities in Asia. It is less than half of the western countries.

https://tklcloud.com/Feedback/feedback2.aspx?id=6087

Financial results of Land Transport Authority

 The Land Transport Authority is incurring a large deficit of $3 billion a year. This may lead to big hikes in public transport fare. It is urgent for LTA to rationalize the public transport system and reduced wasteful spending. 

https://tklcloud.com/Feedback/feedback2.aspx?id=6086

Currency manipulation

 The American government has a practice of accusing other countries of "manipulating their currencies". This is a false and dishonest accusation. Here is my perspective.

https://tklcloud.com/Feedback/feedback2.aspx?id=6085

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