Charge for sending emails

 I suggest that email platforms should impose a charge for users to send emails.

https://tklcloud.com/Feedback/feedback2.aspx?id=5720

CPF Life

 Should I transfer my money from retirement account to CPF Life?

https://fisca.sg/ArticleDisplay.aspx?ID=1332

How a scammer steals from a bank account

Many people are quite illogical. They are fearful of scams but they do not pay attention to how the scams are carried out. They spread fear and advised people wrongly, due to their ignorance.

The scammer cannot steal your money from the following:

a) knowing your email address
b) when you ordered food with a QR code

To access your bank account and steal your money, the scammer needs to know your account login credentials (i.e. your sign in code and password). Most people have set up a 2FA, so the scammer need to have your physical phone (to generate a 2FA token) or to receive a one time PIN sent by your bank.

This is how a few recent scams worked.

The scammer sent an email to the customer purporting to come from the bank. This email contain a link to a fake website that looked like the bank's website.

The customer (who does not suspect the scam) clicked on the link to enter the login credentials (code and password). The scammer uses the credentials to access the real website of the bank. The bank sends a PIN to the customer.

The customer enters the PIN into the fake website. The scammer now has the PIN which they can access the real website.

I have set up a 2FA using the bank's digital token. My bank does not send a PIN. The scammer needs to have my physical phone to access the digital token. But, my phone is protected by my fingerprint (which the scammer does not have).

The chance of a scammer accessing my bank account is extremely low. It may happen, but most likely it will not.

I encourage people to take the trouble to learn how how a scammer carries out the scam, rather than have a blind fear and spread fear through ignorance.

Tan Kin Lian

Wisdom of the Crowd - New Issues

1. How should the public receive their business mail from organizations?
2. Singapore allows land for religious organizations to be given by ballot
3. How should the COE quota be handled?

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

How to deal with scam emails and phone calls

The incidences of scam emails and phone calls are rampant in Singapore. We need to understand the root cause and take the appropriate measures to deal with it.

For the past two decades, the Singapore authorities (and in particular the Ministry of Finance and the Monetary Authority of Singapore) have mandated government agencies and financial institutions to avoid sending  business communication  (i.e. statements, invoices, notices) by email, on the ground that emails may be hacked. 

These institutions stored their business communications in their websites and send email notifications to remind the public to login to the websites to retrieve these communications.

This practice has created an unintended consequence. The scammers realized that they could send false notifications to the public and direct them to their scam websites. The public did not realize that they were logging into the scam websites and the scammers were able to capture their login credentials. The scammers used the credentials to login to the real websites. 

It can be harmful if the credentials are to access bank accounts and allow money to be transferred.

To eradicate these scams, we have to deal with the root of the problem. The organizations should not store their business communications in their own websites. Instead, they should send these communications directly to the email accounts of the recipients or into a secure website (which I will name as the Business Mail website). 

Each person has an account in the Business Mail website, and the business communications from all participating organizations will be sent to this account.

The public is likely to login into one account regularly, maybe daily, as it contains the communications from all the relevant organizations. It is like opening the paper mail that is sent to his home address. 

When the Business Mail platform is created, there is no need for the individual organizations to send email notifications to the public. The public will not be scammed into accessing the scam websites. 

Tan Kin Lian 
 

WOTC - Rental of Ridout Road bungalows

 Wisdom of the Crowd: 100 % of respondents said that there is no reason to keep the rental of the Ridout Road bungalows to the ministers private, as the rental of government properties are generally published in other situations.

https://tklcloud.com/Crowd2/chart3.aspx?id=2897

CDC Vouchers

 I suggest a new approach to handle CDC vouchers in future.

https://tklcloud.com/Feedback/feedback2.aspx?id=5717

Wisdom of the Crowd - New Issues

 

1. China harass Filipino fisherman fishing near the Spratly Islands
2. Should trash bins be removed from public places?
3. Should seniors be given priority in queues?
4. Why is Causeway Link the only provider of bus services at Tuas checkpoint?

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

WOTC - COI on Ridout bungalows

 Wisdom of the Crowd: 100% of respondents said that the President should call a COI on the rental of the Ridout bungalows to two ministers.

https://tklcloud.com/Crowd2/chart3.aspx?id=2896AC

Ministers rent black and white bungalows from the government

 Many people are indignant that two ministers used, or rather abused, their ministerial positions to rent two black and white bungalows from the government.

They criticized the ministers in social media.

I hold a different opinion. I think that it is all right for the ministers to rent a bungalow at the market rental (based on the guide rental) and even to have preference in its allocation (i.e. no need for competitive bidding).

It is better for our ministers to be living in suitable accommodation that befit their status and office. These bungalows would be quite suitable.

The rental that they have to pay is based on the market rental. and is not subsidized. It may not have the mark up that comes with competitive bidding, but I think that competitive bidding is not necessary and not appropriate.

Like many Singaporeans, I find that the salaries paid to ministers are excessive, but that is a separate issue.

Here, we are talking about offering suitable accommodation to ministers at a market rental, and giving them the preference to pick a bungalow of their choice.

I know that many people will not agree with my view, but I still want to express what I think is right and proper. It is just an insignificant view.

Tan Kin Lian
https://tklcloud.com/Feedback/feedback2.aspx?id=5715

WOTC - Health sector

 Wisdom of the Crowd: 92 % of respondents said that it is necessary to increase the resources due to a larger and aging population.

https://tklcloud.com/Crowd2/chart3.aspx?id=2895

WOTC - Treatment in public hospitals

 Wisdom of the Crowd: 100% of respondents said that the treatment time in public hospitals should be reduced as the patients should not be required to spend time waiting to be treated.

https://tklcloud.com/Crowd2/chart.aspx?id=2894

WOTC - Bus services

 Wisdom of the Crowd: 83% of respondents said that the bus services should be optimized to reduce cost and fares.

https://tklcloud.com/Crowd2/chart3.aspx?id=2893

Why are scammers active in Singapore

 https://tklcloud.com/Feedback/feedback2.aspx?id=5714

Wisdom of the Crowd - New Issues

1. Should the president call a COI to study rental of the Ridout bungalows?
2. Should the SLA inform the public about the rental of the Ridout bungalows?

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

Wisdom of the Crowd - New Issues

1. Should LTA cut down waste in bus services?
2. Is the acceptable to spend three hours to be treated in a public hospital?
3. Should more resources be put into the health sector?

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

WOTC - US banks

 Wisdom of the Crowd: 55% of respondents expect more US banks to collapse when interest rate remains high.

https://tklcloud.com/Crowd2/chart3.aspx?id=2890

WOTC - US interest rate

 Wisdom of the Crowd: 50% of the respondents expect US interest rate to remain high. The other 50% expect the interest rate to fall soon.

https://tklcloud.com/Crowd2/chart3.aspx?id=2891

Long time to be treated

 I share my experience as a public patient in the Singapore National Eye Center. 
https://tklcloud.com/Feedback/feedback2.aspx?id=5713

Bad scheduling of buses

 I share this feedback about the bad scheduling of buses in Singapore.
https://tklcloud.com/Feedback/feedback2.aspx?id=5712