Sunday, December 31, 2023

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.

Tuesday, December 26, 2023

Sunday, December 24, 2023

Valuation of OpenAI

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

Universal basic income (UBI)

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

Changi Airport Terminal 5

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

Reduce cost of living

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

Flat rate of tax

 I prefer a flat rate of tax on income

Social media

 Control over social media

Artificiial intelligence (AI)

 Read danger of artificial intelligence (AI)

Is covid vaccine harmful?

Is covid vaccine harmful?

Sunday, December 17, 2023

Tuesday, December 12, 2023

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.

Friday, December 08, 2023

Apartmenti n Johor Bahru

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

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.

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.

Saturday, December 02, 2023

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.

LRT has advantages over feeder buses

 The LRT has several advantages over feeder buses. They are explained in this video.

Friday, December 01, 2023

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.

Thursday, November 30, 2023

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.

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.

Pay for individual article

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

Digital identity and digital payment

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

Tuesday, November 21, 2023

Monday, November 20, 2023

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.

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.

Thursday, November 16, 2023

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. 

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.

Wednesday, November 15, 2023

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.

Thursday, November 09, 2023

Wednesday, November 08, 2023

Tuesday, November 07, 2023

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.

Monday, November 06, 2023

Thursday, November 02, 2023

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.

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?

Selfie with Tan Kin Lian

 Have you taken a selfie with Tan Kin Lian?

You can collect a campaign poster.

Wednesday, November 01, 2023

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

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.

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.

Wednesday, August 16, 2023

Sunday, August 13, 2023

How to cope with rising health care cost

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.

Sunday, July 30, 2023

My life story - Tan Kin Lian

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

Assisted death

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

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.

Saturday, July 29, 2023

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.

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.

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.

Wednesday, July 26, 2023

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.

Saturday, July 15, 2023

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

Wisdom of the Crowd

 Make your voice heard. Vote on these issues.

Friday, July 14, 2023

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

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.

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

Thursday, July 13, 2023

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

How to deal with hackers

 If you understand how hackers work, you do not need to be so scared.

Tuesday, July 11, 2023

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.

Set a limit for immediate bank transfers

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

Monday, July 10, 2023

Apply for a patent

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

Sunday, July 09, 2023

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.

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.

WOTC - George Goh as president

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

Friday, July 07, 2023

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

Tuesday, July 04, 2023

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

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

Thursday, June 29, 2023

Delivery from Shopee

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

Tuesday, June 27, 2023

WOTC - Tharman S

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

WOTC - George Goh

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

Monday, June 19, 2023


 I will be using Twitter more often to provide updates to my activities and investments. 
Go to this page and click on Follow

Wisdom of the Crowd - Presidential election, 2023

 65% of respondents said that they would vote for Tan Cheng Bock, while 35% said that they would vote for Tharman Shanumgaratnam, if these were the two candidates for the Singapore presidential election, 2023.

Thursday, June 15, 2023

Corporate bonds

 Here are my notes about investing in corporate bonds.

Wisdom of the Crowd - New Issues

1. Who will you vote as president (3)
2. What are your views about Tharman as President of Singapore?
3. What are your views about George Goh as president

Vote in

WOTC - Presidential election - PAP, Non

 Wisdom of the Crowd: 85% of respondents said that they will vote for a non PAP endorsed candidate for change and accountability.

Wednesday, June 14, 2023

Sharp increase in Tesla stock price over the past month

Presidential election, 2023

 Previously, a private sector candidate for presidential election has to meet the requirement (3 years as CEO of a large company) within 15 years prior to the writ of election.

I do not qualify because I have passed 15 years since my service as CEO of NTUC Income.
For some strange reason (which I do not know why) this has now been changed to 20 years. By this new criteria, I would have qualified.
Is someone playing tricks on TKL? Hehehe.
I think Tan Cheng Bock would also qualify. So, I will give way to him.
I also think that Lee Hsien Yang will apply also, although many people think that the selection committee will reject him. (I don't think that they will).
A few people have asked me to join in, in case all the other candidates, including George Goh, are disqualified.
I think that there will be a contest, as the PAP does not want a walkover.
I have no interest in participating in this presidential election for personal reasons.
I hope that one of the alternative candidates will qualify and give a strong competition to the PAP endorsed candidate.
Tan Kin Lian

WOTC - Singapore economy

 Wisdom of the Crowd: 94% of respondents have a negative view of the Singapore economy over the next six months.

Tuesday, June 13, 2023

WOTC - Presidential election

 Wisdom of the Crowd: 47% of respondents expect that there will only be 1 candidate for the presidential election. 40% expect that there will be a contest but the PAP sponsored candidate will win.

The Sun and the Storm

Once upon a time, in a serene and picturesque meadow, the Sun and the Storm engaged in a lively discussion about their unique perspectives on life. They were opposites in nature, representing the forces of positivity and negativity.

The Sun, with its warm and radiant rays, believed in spreading light and cheer to all living beings. It was a symbol of positivity, hope, and optimism. The Storm, on the other hand, was tempestuous, dark, and carried a gloomy atmosphere wherever it went. It symbolized negativity, uncertainty, and pessimism.

Eager to prove the strength of their respective mindsets, the Sun and the Storm decided to hold a competition. They chose a small village nestled in the meadow as the battleground for their contest.

The Sun decided to begin the competition by blessing the village with its bright and nurturing rays. It shone down upon the inhabitants, embracing them in its gentle warmth. The villagers, infused with positivity, felt inspired and joyful. They engaged in productive activities, helped one another, and spread happiness throughout the community.

As the Sun's radiant presence continued, the village flourished. The crops grew abundantly, and the animals thrived. The people's faces glowed with contentment, and a harmonious atmosphere enveloped the village.

Observing the village's transformation, the Storm grew restless. It believed that it could outdo the Sun's positive influence with its power to disrupt and bring about change. So, the Storm unleashed its might upon the village, covering the sky with dark clouds and unleashing a torrential downpour.

The villagers, now facing adversity, felt gloomy and uncertain. The fields flooded, and their hard work seemed in vain. The Storm's negative energy weighed heavily upon them, sapping their motivation and filling their hearts with despair.

Despite the Storm's relentless assault, the Sun continued to shine. It remained hidden behind the dark clouds, waiting for its chance to reclaim its rightful place in the sky. Slowly, the Storm exhausted itself, and the rain ceased. The Sun emerged, triumphant and radiant, from behind the retreating storm clouds.

As the Sun's warm rays touched the village once again, a miraculous transformation took place. The villagers' spirits lifted, and their resilience ignited. They came together, rebuilding their homes, replanting their fields, and helping one another recover from the storm's aftermath.

The Sun's positive energy infused the villagers with hope, optimism, and determination. Through their collective efforts, they not only restored the village but also made it even stronger than before.

In the end, it became evident to all that the Sun's positive mindset had triumphed over the Storm's negativity. The fable of the Sun and the Storm taught the villagers and anyone who heard their story that a positive mind can overcome any obstacle, inspiring resilience, unity, and a brighter future.

The moral of the fable: A positive mind, like the Sun, brings light, hope, and strength even in the face of adversity, while a negative mind, like the Storm, can only disrupt and hinder progress.

Difference between a positive and negative mind

 I write this story about a serving robot to explain the difference between a positive and a negative mind.

Monday, June 12, 2023

WOTC - Temasek and FTX

 Wisdom of the Crowd: 73 % of the respondents said that Temasek Holdings should claw back the bonus paid during the past two years to the executives involved in the decision to invest in FTX.

Sunday, June 11, 2023

WOTC - President of Singapore

 Wisdom of the Crowd: 58% of respondents expect another person (other than HC, George Yeo or Lee HY) to be the next president of Singapore.

Saturday, June 10, 2023


 Wisdom of the Crowd: 92 % of respondents prefer the authorities to set a market price for the COE quotas and distribute the quota by ballot (instead of the current bidding system).

Friday, June 09, 2023

Wisdom of the Crowd - New Issues

1. Who will you vote as President of Singapore (1)
2. Who will you vote as President of Singapore (2)

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WOTC - Land for religious organizations

 80 % of respondents said that the balloting system for land used by religious organizations ensures that the land is priced at market, but is not inflated through bidding

Thursday, June 08, 2023

WOTC - Business mail

 Wisdom of the Crowd: 50% of the respondents said that business mail should be sent to a secured business mail platform, 40% by ordinary email and 10% by login to the individual organization's website.

Wednesday, June 07, 2023

Wisdom of the Crowd - New Issues

1. Who will you vote for at the presidential election, 2023
2. Which candidate will you vote for president 2023?

Vote in

WOTC - Bus service at Tuas checkpoint

 Wisdom of the Crowd - 100 % of respondents said that it t is better to have more bus operators at Tuas checkpoint to provide alternative choices to commuters and avoid a monopoly.

Tuesday, June 06, 2023

WOTC - Priority in queues for seniors

 Wisdom of the Crowd: 77 % of respondents said that seniors should be given priority as a sign of respect and also for their health

Monday, June 05, 2023

Invest in SDR of Thai stocks listed in SGX

 Someone asked for my views about investing in SDR (stock deposit receipts) of Thai companies, recently listed in SGX and promoted by Singapore banks.

I wrote my view here.

Trash bins

There is a shortage of trash bins in public places. It is difficult to find a trash bin when it is needed.

Some people said that the trash bins could be a security risk as terrorists could plant explosives in bags that are kept in the bins. I find this reason to be incredible. Terrorist could leave explosives in crowded places that could cause more harm.

Anyway, there are not many incidences of exploding trash bins for this to be a real risk. It is more likely to be imaginary.

The real reason could be the shortage of workers to remove the trash from the bins.

I like to suggest how the disposal of trash can be better organized to solve the shortage of labor and also to achieve the goal of recycling.

a) Provide large trash bins for different types of materials (i.e. different bins for paper, glass and metal) at trash centers located near street corners.
b) Stop collecting of trash at the houses. The householders can deposit their trash centers.
c) Many people go to the bus stop for their daily travel. It is not difficult for them to carry the trash bags to the trash centers along the way.
d) Those who drive cans top their cars near the trash centers.
e) Encourage the households to have separate trash bags for different types of trash (for recycling).
f) Collect the trash from the trash centers a few times each day.

Ordinary people have been used to throwing trash down a chute in a HDB block or in a bin outside their house. They can change their habits to bring the trash in a bag to the trash center.

We need a more efficient way to collect the trash.

Tan Kin Lian

WOTC - Trash bins

 Wisdom of the Crowd: 83 % of respondents said that trash bins are necessary for people to throw their trash at convenient public places.

Sunday, June 04, 2023

Have medical test centers in the neighborhood

I wish to share my experience in visiting the Singapore National Eye Center (SNEC) for treatment as a public patient and give some suggestions on how the process could be improved.

I spent 4 hours at the SNEC clinic to take 2 tests and be seen twice by the specialist(i.e. eye doctor). The technicians performing the two tests took about 20 minutes and by the specialist saw me for 15 minutes. The remainder of the time was sent waiting.

I will break down the process as follows:

a) Carry out tests
b) Review by the specialist

With modern technology, it should be possible for the tests to be taken at a test center in the neighborhood. The images could be seen by the specialist remotely.

If there is a need for the specialist to talk to the patient, it can also be done through teleconferencing. If a live interview is needed, it can be arranged at the test center or a visit to the medical center.

My suggestion is to have a network of test centers in the neighborhood, that are connected to the medical center.

It is better to have adequate testing equipment, manned by medical technicians at test centers. This will reduce the travel and waiting time for the patients and still produce a satisfactory review by the specialist.

We can use modern technology in an efficient manner. It applies to the test centers, to the database system to keep the relevant patient records and to an efficient appointment system.

The use of the test centers in the neighborhood is especially useful to handle the elderly patients who may find it difficult to visit the medical center.

My suggestion can probably be applied to other treatments, i.e. other than eye treatment. However, I am not familiar with these processes, so I will leave this matter for others to comment.

If surgery or treatment are required, the patient will have to visit the medical center to be seen by the specialist. Still, it is useful for the tests to be carried out earlier, using the neighborhood testing centers.

Tan Kin Lian

Wisdom of the Crowd - New Issues

1. Will there be a contest for the presidential election in 2023?
2. Which is the prospect for the Singapore economy during the next 6 months

Vote in

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