Difficult to use Trace Together for Safe Entry scanning

 Some people complained that it takes more time to use the Trace Together token for safe entry. At some places, they do not have the scanner.

They prefer to use the NRIC or concession transit card (which has the bar code) for scanning in.

I agree. If I have to scan in for Safe Entry, I use my transit card.

I have the Trace Together token and the TT app. But if I have to scan with Safe Entry, I will not use the TT token or app.

Okay, they will make it compulsory in December for entry to malls and other public places. Quite likely, I will stop visiting these places. (Shhhh, don't tell the insane ministers).

Talk like DT

 At the Grassroots Club, a member (GRM) told me.

GRM - Mr. Tan, the covid-19 is a scam.

TKL - Why?

GRM - We have flu all the time. This year, they scare you with covid-19.

TKL - Why?

GRM - The govt around the world use it as an excuse to control people. (He did not want to say PAP govt).

Kamala! This member talk like Donald Trump. Did he realize that DT lose the election?

But I tend to agree with him. You read that in many countries, they are declaring that there is a big increase in infection. They did not say that the deaths remain stable and that the infected cases are mild. So, I agree with GRM - that the govts are using this as an excuse to control the people.

I don't want to say - especially the insane ministers in Singapore. There is hardly any new cases for two weeks, and they still report about "imported cases". They did not say that these cases are mild.

They also don't want to remove the circuit breaker. They must enjoy CB very much!

Why premium for private hospital insurance is high

 My friend told me that he heard of a case where a patient was treated in a private hospital and the bill was over $1 million. About 80% are covered by insurance. The patient died.

Guess who pays for the 80% of the bill? It is not the insurance company. It is the policyholders who bought private hospital insurance.

This is the reason for the premium rate to go up very high.

The insurance company is not able to control the large bills charged by the private hospitals. They increase the premium rate for the insurance.

If you do not want to pay the large premium rates, it is better to buy insurance for public hospitals, and not for private hospitals.

https://fisca.sg/ArticleDisplay.aspx?ID=786

MAS allows the bank to sell this bad product

 An elderly lady went to a bank. The bank officer introduced her to a "retirement policy". It is a 16 year policy issued by a foreign company.

The bank officer told her that she can get out her money at the end of 5 years and enjoy an interest rate of about 5% for the 5 years. The interest is about 1% a year.

The lady invested $100,000 into this policy.

She does not understand how the policy works and the potential risks.

I explain them here.

https://fisca.sg/ArticleDisplay.aspx?ID=787

Open up the economy safely

 We can open up the economy safely, by adopting sensible, sane measures to control the pandemic.

https://tklcloud.com/Feedback/feedback2.aspx?id=3715

Contact tracing is a bad approach

 I explain why contact tracing is a bad approach and should be stopped.

Instead, we should put our resources to deal with the symptomatic cases.

https://tklcloud.com/Feedback/feedback2.aspx?id=3716

Wisdom of the Crowd - New Issues

 1. Is it safe to stop safe entry recording and contact tracing?

2. Is safe entry ambassadors a good way to create jobs?

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

WOTC - Claim for compensation for wrongful imprisonment

 Wisdom of the Crowd: 78% of the respondents said that the Attorney General should settle the claim for compensation by the Indonesian maid that was wrongly imprisoned. 22% said that it should be settled through the court.

https://tklcloud.com/Crowd2/chart.aspx?ID=2131

WOTC - New wave of infection

 Wisdom of the Crowd: 78% of the respondents said that the new wave of infection will not increase the deaths significantly. 22% are worried about more deaths.

https://tklcloud.com/Crowd2/chart.aspx?ID=2132

Is endowment policies a good investment?

 Dear Mr. Tan,

With the volatile stock markets and low yield on other investments, is it a better option to buy an endowment policy from a life insurance company? The projected return of 2% seems to be quite attractive.

I give my answer here:

https://fisca.sg/ArticleDisplay.aspx?ID=785

Adopt a new approach to stop the spread of the coronavirus

 I have a conversation with a friend about adopting a new approach to stop the spread of the coronavirus.

Instead of safe entry and contact tracing, we should focus on identifying the symptomatic cases - as they are more likely to spread the virus.

https://tklcloud.com/Feedback/feedback2.aspx?id=3714

How to handle 1,400 calls a day

 If the government set up a hotline and receives 1,400 calls a day, they can adopt a "smart investigation" approach to handle these calls efficiently and get value from these calls.

https://tklcloud.com/Feedback/feedback2.aspx?id=3713

Safe entry recording is useless

 This government scholar agrees that safe entry recording is useless.

https://tklcloud.com/Feedback/feedback2.aspx?id=3709

Singapore has to address our economic challenge

 Singapore has been badly hit by the pandemic. This is due to the nature of our economy, which depends much on international trade.

Our economic growth has been worse than many other countries.

It will be a challenging time for Singapore.

It is very important for us to reduce our operating cost, and to cut out the wastage. We need to be more targeted at improving competitiveness and efficiency.

We cannot continue to be incompetent, complacent and wasteful!

https://tklcloud.com/Feedback/feedback2.aspx?id=3708

The future for media companies

The media companies around the world are struggling. They are trying to move to the online channel, but have not been successful.

Singapore Press Holdings face a similar challenge.

What is the solution?

I have some ideas:

https://tklcloud.com/Feedback/feedback2.aspx?id=3707

Singapore is adopting the wrong strategy towards controlling the pandemic

 I put forward the hypothesis that the super spreaders are likely to be those with symptoms and that the asymptomatic cases are less likely to spread the virus.

See my views here.

https://tklcloud.com/Feedback/feedback2.aspx?id=3706

I did some research and found this statement in WHO's website.

http://www.emro.who.int/.../transmission-of-covid-19-by....

It confirms my common sense.

It confirms my gut feel that the strategy adopted in Singapore - emphases on safe entry and contact tracing - is wasteful and unproductive. This strategy is, led by our insane ministers.

Transforming the economy after the pandemic

 Here are the views of the "experts" on how to transform the Singapore economy after the pandemic.

https://www.channelnewsasia.com/.../in-focus-covid-19...?

Sorry. I think they did not address the real issues and challenges facing Singapore.

They forget that we are a high cost economy and waste a lot of resources on unproductive work.

We need to focus on the real challenges - to be productive, to get rid of wastefulness, to be really innovative in a way that can make us more competitive.

Is this a more effective way to stop the spread of the corona virus?

 I put forward this suggestion on a more effective way to control the spread of the virus.

We should get away from the wasteful activities (such as contact tracing and safe entry recording) and focus on dealing with the symptomatic cases in a more effective manner.

Please help me to test this hypothesis by providing research information.

https://tklcloud.com/Feedback/feedback2.aspx?id=3706

WOTC - What will happen to Donald Trump

 Wisdom of the Crowd: 53% of the respondents expect Donald Trump to be charged for tax fraud or abuse of power over the next year. 47% expect him to be re-elected as president or to retire quietly from politics.

https://tklcloud.com/Crowd2/chart.aspx?ID=2130

WOTC - Snap election in Malaysia

Wisdom of the Crowd: 84% of the respondents do not expect a snap election to be called in Malaysia. 16% expect a snap election.

https://tklcloud.com/Crowd2/chart.aspx?ID=2129

Wisdom of the Crowd - New Issues

1. Will you get queue to get early vaccination against covid?
2. Who should pay for the cost of the vaccination against covid?

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

No hurry to get the covid vaccine

When the covid vaccine is ready, I will not be in a hurry to get vaccinated.

Why?

https://tklcloud.com/Feedback/feedback2.aspx?id=3700

US Supreme Court - likely decision on Obamacare

 This is wonderful news. It shows that the US Supreme Court can decide independently and not bend to politicking.

This is the power of a small number of wise men under the spotlight of transparency.

Please tell LHL.

CNN News Alert:

Supreme Court appears to signal Obamacare will survive latest GOP challenge

Chief Justice John Roberts and Justice Brett Kavanaugh suggested Tuesday that it wasn't the Supreme Court's role to invalidate the entire sprawling, 900-page Affordable Care Act, even if one or more provisions are deemed unconstitutional, signaling the key parts of Obamacare will survive the latest court challenge.

As the pandemic rages, President Donald Trump lashes out at election returns and President-elect Joe Biden prepares for a new administration, the Supreme Court heard oral arguments to discuss whether to invalidate the linchpin of the nation's health care system.

Why does America dislike China?

 My crystal ball CB agrees with this Quora writer, Allen Allington

Why does America dislike China?

American politicians, preachers and press told China they had to give its citizens more freedoms and they did.

Then they told China they had to adopt capitalism and they did. Then did capitalism better than we do and that pissed off our politicians, preachers and press. So they keep the anti China smears and fears coming :-(

Our self serving politicians didn’t want China poor, uneducated and powerless and now they are pissed China has educated its citizens, significantly increased its middle class and has become an economic powerhouse. And now they don’t want and try to sabotage China’s progress.

WOTC - Waste of manpower doing safe entry

 Many people do not realize that Safe Entry is a waste of manpower and that the people who are employed in this work could be better deployed in other useful jobs.

https://tklcloud.com/Feedback/feedback2.aspx?id=3692

WOTC - Request for an emergency declaration

 Wisdom of the Crowd: 79% of the respondents disagreed with the request of the Malaysian PM to declare an emergency to pass the budget. 21% agreed.

https://tklcloud.com/Crowd2/chart.aspx?ID=2127

WOTC - Lift the circuit breaker

 Wisdom of the Crowd: 62% of the respondents said that the circuit breaker should be lifted now. 38% said that we should wait a few more weeks for the virus to be totally eliminated.

https://tklcloud.com/Crowd2/chart.aspx?ID=2128

Wisdom of the Crowd - New Issues

1. Should we set up an ombudsman office in Singapore?
2. Should it be compulsory to use Trace Together tokens for entry to malls?

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

We need honest, humble and sane leaders

 Here is my explanation on why we need leaders who are honest, humble and sane.

https://tklcloud.com/Feedback/feedback2.aspx?id=3683

Wisdom of the Crowd - New Issues

 

1. Will President Biden be good for America?
2. Will President Biden restore America's standing in the world?

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

WOTC - Invest in gold

 Wisdom of the Crowd: 74% of the respondents are in favor of investing up to 10% of the portfolio in gold.

https://tklcloud.com/Crowd2/chart.aspx?ID=2125

WOTC - US presidential election

 Wisdom of the Crowd: 64% of the respondents said that Joe Biden will win the US presidential election. 36% chose Donald Trump.

https://tklcloud.com/Crowd2/chart.aspx?ID=2126

Why I changed my views about Donald Trump and the PAP.

https://tklcloud.com/Feedback/feedback2.aspx?id=3682

Reduce travel time and fares by 25%

 Are you prepared to make 1 or 2 transfers and reduce the bus travel time by 25%? The operating cost (and bus fares) will also reduce by 25%.

https://tklcloud.com/Feedback/feedback2.aspx?id=3667

Encryption of financial statements

 I suggest that the financial institution should allow customers to decide if they wish to receive their statements with or without encryption.

http://www.tklcloud.com/Feedback/feedback2.aspx?id=3666

Wisdom of the Crowd - New Issues

1. Will Donald Trump concede if he loses the presidential election
2. Will Joe Biden make a good president?

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

WOTC - Minimum wage of $1,300

 Wisdom of the Crowd: 91% of the respondents said that we should introduce a minimum wage of $1,300 or higher. 9% said that it will be bad for workers.

https://tklcloud.com/Crowd2/chart.aspx?ID=2123

WOTC - Folksy union leaders

 Wisdom of the Crowd: 92% of the respondents said that it is not offensive to refer to union leaders as "folksy". 8% said that it is derogatory.

https://tklcloud.com/Crowd2/chart.aspx?ID=2124

Make decisions based on facts

  I share this tip on making decisions. Get the correct facts first, before making your decision or expressing your opinion.

http://www.tklcloud.com/Feedback/feedback2.aspx?id=3665

Transparency in decision making

 I share this example about how decisions can be taken by government officials transparently and are trusted by the public.

http://www.tklcloud.com/Feedback/feedback2.aspx?id=3664

View from the right perspective

 We can make a big improvement to our national efficiency by having a change of mindset, a change of approach, and view matters from a different perspective.

Read my views

https://tklcloud.com/Feedback/feedback2.aspx?id=3660

Consider the consequences

 The bad decisions of the insane ministers help to kill the retail business and the malls more quickly and surely.

https://tklcloud.com/Feedback/feedback2.aspx?id=3656

PPE for front line workers

 There is no need to give personal protection equipment (PPE) to front line workers at the airport at this time. The risk is low. It will create an unnecessary scare.

What is the alternative? Read my views.

https://tklcloud.com/Feedback/feedback2.aspx?id=3655

Honest and competent government

 How do we ensure a competent and honest government? Here are my views.

https://tklcloud.com/Feedback/feedback2.aspx?id=3654