Quick 3-minute summary of a Singaporean life

Let me put it this way to Singaporeans.

You are born.

You study.

You serve ns and are put under a 10 years reservist and ippt cycle that can stretch into your 40s while you have to juggle family and work commitments at the same time.

After ns you come out to work and fall in love,married and start up a family.

Now the nightmare and maths truly begin.

A wedding cost a lot so most Singaporeans married in their late 20s, mid 30s or even later.

Now we come to the house.
Upon successfully balloting for the house one need to wait at least 3 years for it or you can buy from open market or private developers where price will be even much higher.

Once you get your keys your entire cpf oa will be depleted totally and the rest of the mortage balance will be paid by your monthly cpf every month for a maximum of up to over a decade or 25 years max.

During this time every month of your cpf will not be able to save and accumulate cpf interests because you need to use it to settle house loan.

So 25 years finally finish and your house is fully paid up but by then you will be 55 or into your 60s already.

You want to rest and retire but you can't because your cpf oa account is empty and cpf minimum sum of 161k is set in place to prevent you from cashing out your cpf in full to use to finance your retirement.

So in your 50s or 60s you still need to work until you die or at least for another 10 to 20 years in order to build up your cpf oa account.

By the time you can really rest you will be in your 70s or 80s already.

Most would have met their maker by that age already. Lol How to look forward to retirement bliss?

Also the health could be failing or no one is willing to employ the elderly Singaporeans and what are they going to survive on?

In the end their cpf medisave accounts got wipe out and they either rent their flats out to sustain themselves or sell back their flats and lease to downgrade in order to survive in their dying years.

*This is basically the life story of a common Singaporean.*

And don't forget in the middle of all these one still need to raise up kids and take care of sickly ageing parents and in laws too.

*If anyone can still say Singaporeans are living a blessed life then I clap for you.*

Five Characteristics of a Compulsive Liar

Below is an expert's analysis of a compulsive liar. We take the article and do a match up with the behaviour of our supreme leader, and BINGO, they match perfectly, like a completed jigsaw puzzle.

By Ross Bonander, Tue, October 08, 2013

Compulsive liars, sometimes called habitual liars, will lie for no reason at all, without any motive whatsoever. They tend to lie without premeditation, meaning they are inventing their lie on the spot.

This kind of compulsive behavior is generally considered to be along the obsessive-compulsive spectrum, specifically an impulse control disorder.

Since they are not regarded as skilled liars and since they often improvise, they don't tend to get any better at lying over time, leaving them exposed to a number of noticeable characteristics.

Unnecessary Explanations
Compulsive liars often expand upon answers to questions when there is no reason to do so, adding otherwise pointless detail and other non-sequitars. This is one form of avoiding having to answer a direct question—by expounding on aspects that have no bearing on the matter at hand.

Rapid Subject Changes
Compulsive liars don't always ramble out long and unnecessary answers to questions or descriptions of activities. Sometimes their answers are short and they move ahead to change the topic, often abruptly. It is one way to put into concrete a lie and imagine that the lie has been accepted as truth.

Telltale Body Language
Although a compulsive liar may be able to look you square in the eye and lie, ultimately most prefer to avoid too much eye contact—a trait that many are unaware of. Furthermore, compulsive liars may unconsciously seek to misdirect attention by behaving erratically, in a shifty manner by seeming to move items around on a table or seek to put some distance between themselves and the person they are speaking with.

Inability to Keep One's Story Straight
As any cop knows, the problem with lying is that you can easily forget your old lie and tell a new one in its place. The end result is a string of different lies recounting the same event told to different people. Compulsive liars may do this out of convenience or they may be working towards the best version of the lie. They tend to do so without premeditation.

A Readiness to Be Defensive

When confronted with a lie, compulsive liars may choose to become highly defensive (or they may respond defensively because they are being challenged). Liars may do so to buy time and find a way out of the situation, or they may be trying to inflict guilt upon the accuser, as in, how dare they accuse you of lying when all you've ever done for that person is be a good friend. Defensiveness, coupled with misdirection, is a hallmark of compulsive lying.

The Biggest Robbery in Singapore

Victim - Sporeans
Weapon - Care Shield
Place - Spore

Case -
Initially a response to community for help to the invalid. Gahmen came up with Elder Shield insurance where by paying a premium u will b insured for being a total invalid. I.e. u must hv 3 of these 5  invalid actions. These 5 are, cannot eat on yr own, cannot go to toilet on yr own, cannot walk, cannot move to the bed on yr own n cannot bathe on yr own. Basically saying nearly dead. 

For Elder Shield u can opt out of it n do not need to pay the premium. This insurance were ran by three private insurance cos.

Gahmen found out that the private insurance were making huge profit on it. They collected $2.8 billion in premium n only paid out 100 million in claims. Therefore a profit of 99.6%.
This is understandable. How many people do u know in yr whole life that cannot walk, cannot eat n cannot go to toilet on their own  ? Very very little or none at all.

The robbery happened when Gahmen say this insurance is now compulsory for everyone in Spore. And it will start 10 years earlier at 30 yrs old and it will b run by the gahmen herself. They will collect approx avr $500 per person per year. This will work out to approx $ 1.5 billion income n a profit of $1.49 billion every year. Premiums will go up as the years roll by n more n more money will go to Gahmen for doing nothing. When u r half dead, Gahmen will give u $600 n tell u to look after yrself or simply FO.

As Sporeans has no choice but to accede to Gahmen demands, this case is classified as Highway Robbery.

How can we make our country great again?

How can we make our country great again?
- A Singaporeans' point of view. You may not agree, but as a citizen of Singapore by birth, I have every right to feel what I feel and every right to desire a need for these changes or/and answers.
If a citizen (by birth) of a country is NOT allowed to ask or question the way or how his/her country is governed then who else has this right and what kind of a democracy is this? Everyone has the right to address the statements and issues I have written below, and may wish to do so or may not. It is entirely up to the individual who reads this to agree or disagree with my post. This is what I feel and NOT something I wish to force unto others-
Dear Prime Minister & People's Action Party,
honestly to me, in the past decade or so,
you have done a SHITTY job.
A whole bunch of us Singaporeans have recently woken up, including me. Especially after the recent elections held by our neighbours and what they faced under their previous ruler / government and the events that followed after his / its downfall. Below are certain questions I have the NEED & deserve answers to, being a citizen of Singapore..
'' ...to build a democratic society
based on justice and equality
so as to achieve happiness, prosperity
and progress for our nation..." - sound familiar? We should abide by this right? Well here goes.
Questions :
1. (Public Housing)
As someone in the field of construction & building materials, I would conclude that it only costs about 30% - 40% of the amount HDB charges young newlyweds, single parents and the elderly for a newly built BTO house, to actually build one. If I am wrong, then I am sure, the cost is even lower then that. So why is, ''affordable public housing', not being made affordable to us Singaporeans?
$260,000 for a newly built 1rm 1hall BTO unit in Kim Tian with No flooring, No lighting, No carpentry, No paint, No aircons, No solid walls, is exuberant. On top of that,
the concessionary interest rates for a HDB loan is 2.6% per annum. A minimum of $260,000 + (2.6% x $260,000) x 20yrs is then forced down the throat of this citizen of yours who can only afford a 1rm 1hall prison cell in the outskirts of town.
You may however entice him with some grants. An average of up to $40,000 as you see fit, but the end figure wud still be $220,000 + (2.6% x $220,000) x 20yrs = $334,400
A nett profit of 52% on this 'affordable public housing' ON TOP of the exuberant figure it was sold at. What kind of profits spurn from a 5room BTO, an EC or DBSS unit? I am afraid to do calculations on these. I might cough out a fur-ball. In 20yrs time, how are our children going to afford these homes??
2. 99yrs Tenure
Please be truthful, clear and transparent on the big question at hand. What happens to young and old Singaporean HDB home owners once their HDB lease is up. In most areas now, that will be in about 70yrs. What happens to that million dollar Bishan HDB apartment when 99yrs comes? All that money down the drain? All that CPF used up? What happens to your citizens whom you had enticed with the dream of owning a home / property to?
The word here is DREAM isnt it?
3. (Town Council)
The respective TCs enforces onto each household an average of btwn $64 - $104 a month. ENFORCES.
Apart from any HDB upgrading which is most probably contracted to the LOWEST bidder of which HDB home owners have to pay a 'subsidised fee' for, what is the purpose of the S&CC fee? Being once a HDB home owner, the only thing I can derive at is the washing of corridors once or twice a month and thats it. Please dont tell me about painting of old HDB blocks and things like that. You should be ashamed of yourself to admit that one of the reasons for this fee is for a fresh coat of paint every 10yrs or so.
There is an average of 100 homes in a normal sized HDB flat.
2 to 3 foreign workers can wash up to 10 blocks of flats a month. (according to a non documented interview I had with one such foreign worker)
An average of $80 x (100 homes) x 10 blocks collected each month = $80,000 per 10 normal sized HDB blocks.
Do you pay these 3 foreign workers $25,000 a month each?
If so, can some of my Doctor and Engineer friends who dont get this kinda salary apply for this job?
4. (COE, Road Tax, ERP)
COE - You and only you control how many vehicles are allowed to come into this country and be sold on open market. There is no need to project a fantasy onto your citizens that we control this. Moreover, noone in their right sound mind would bid $100,000 for a phantom piece of certificate to buy a $20,000 car. This is obviously a source of revenue for you made to seem legit. Its BS. No other country has this, and if they did, its wrong.
Road Tax - I will NOT contest on the Road tax issue. It seems fair. I myself pay a total of about $15,000 a year on road tax alone. Want a big car, want a big engine, wanna exert more fumes, then pay more, and we get better roads, get wider highways built. etc... Fine.
ERP - aka Every Road Pay
Please lah, another source of revenue made to seem legit. Dont even try to explain this one. We wont and will never buy into it.
In 20yrs time, how are our children going to afford owning cars to drive our grandkids in??
5. GIC
According to the Criminal Procedure Code (Singapore)
Criminal breach of trust –
Criminal breach of trust is committed by a person who, being in any manner entrusted with property, or with any dominion over property, dishonestly misappropriates or converts to his or her own use that property, or dishonestly uses or disposes of that property in violation of any direction of law prescribing the mode in which such trust is to be discharged...
What did ALL Singaporeans agreed on or understood by when it comes to their monthly salary to be kept in a Central Provident Fund? I rest my case.
6. Rising Taxes & Utilities
Is our country really in debt? As some suggest to justify the rise in every form of tax?
You spend $40 billion in recent years on our infantry, Billions on Terminals 4 and 5. Billions on failed investments. And you think its ok to just make us pay for your shitty decisions?
Tsk Tsk Tsk...
Did we ask you to dip into our reserves and loose all this money or spend all this money freely? And if you say that we are in debt, who da fug did you borrow money from and why??
If we borrowed money from the banks, we ourselves have to pay for it. But why is it that when our government borrows money, we the citizens are in turn made to pay??
Can you also tell me, does any minister pay for any of the following? Property Tax, COE, Road Tax, Income tax?
If No, then WHY??
7. Key Positions
Why are retired army generals placed into the highest key positions in most government ministries?
Suka suka give your friends with no real experiences to run these agencies isit?
Why would the knowledge of digging trenches and organising water parades come in handy in the running of CPF, SMRT, FAS, MOE...etc etc.
Let them retire in peace lah n hire people that are worth the money!
There are seriously many many more issues that I have to be brought up but perhaps for another day. I do however have some advice for my government.
If you want to turn our hearts around then please look into the following :
1. Free Healthcare at Public hospitals.
Many countries have this so why cant we.
Raise income tax across the board.
Just 10% of an average working Singaporean salary would be sufficient. A 2 million workforce putting an average of $3000 a year in would generate $6 billion. If one out of 100 Singaporeans in our 5 million population needs up to $50,000 in medical relief a year, that makes only an average of 50,000 Singaporeans x $50,000 = $2.5 Billion. You still profit $3.5 billion.
2. Abolish the COE system. Implement a new 'Fixed Priced' and affordable tax on new vehicles and vehicles with renewed life. Control and Release the number of vehicles allowed to be imported into Singapore and onto our roads against the number of vehicles scrapped or exported out. It is not difficult to do so. If one has to wait 6 months for a brand new $30,000 Honda, I am very sure, one has no qualms doing so.
3. Demolish ALL ERP gantries. Sell the system to another corrupt country, use the money to upgrade our 25yr old train system.
4. Shut down the GIC and cease all its activities. No one to be prosecuted. Let bygones be bygones.
5. Monitor the profits of the HDB. Control 'Public Housing' prices. Make it affordable to your citizens again. A 30% decrease in selling price for newly built homes will be welcomed with open arms. From all the money that has been made from Public Housing, give a payout of between $20,000 - $50,000 to home owners for HDB units taken back after 99yrs.
6. Stop spending exuberantly on the Army just to make your friends happy. We are not and most probably never be under threat from any nation to need such sophisticated and expensive war toys.
7. Very subsidised education in our local universities, JCs and polytechnics to all Singaporeans who deserve em. As long as our kids have met the criteria and marks to enter these institutions after their secondary school, lighten the burden on these kids and their families. If you stop bringing in truckloads of foreigners into our schools, there will be space for our kids. Our kids do not have to go abroad. Keep your citizens inbound to get the best out of them. Raise the pricing per student at Primary and Secondary school levels by 50% if you have to. (Based on current rates)
8. Do NOT even suggest a Terminal 6.
9. Be a man of your word. Release our CPF back to us in FULL when we reach 55yrs of age. Not partial, not in instalments. FULL.
10. Show of faith.
Let the citizens decide who our next Prime Minister is. Let us vote for a position that matters. I have been seeing reports all over social media lately saying that most Singaporeans would love to see the PM post be replaced by our current Deputy Prime Minister Tharman Shanmugaratnam. According to unsubstantiated reports by Yahoo Singapore, he is the clear favourite of Singaporeans to succeed Lee Hsien Loong as Singapore’s next Prime Minister. How many Singaporeans did they survey this on? 5? 10? This is clearcut propaganda. If you tell us something many times over, many months or years ahead, we are most likely to vote in favour of your choice. I dont think so. Not this time. No matter how good the man is, he is still one of you. We need someone else.
Someone Non-PAP. We are tired of voting puppets.
I also wish to ask a question onto our law enforcers, judiciary staff, army, men in blue and basically all civil servants..
When you took this job and donned that uniform or position, did you do it to protect and serve your country and countrymen?
Or did u do it to protect your PM and government?
my dearest Government, if you can bring back the good old days that Lee Kuan Yew and us had, a time where housing, transportation, healthcare and education was affordable, then we will continue to support, love and cherish you.
If you wish to continue with this blatant tyranny and communist like habit of urs, then I pray to GOD, u get kicked the Fug out at our next elections!!
p.s - Opposition parties, you better bring your A game next time round.
''Lets, make a change together, for the better..
...for our children, and our children's children..''
- Bhai Angullia -
Singapore - from Meritocracy to Mediocracy.

Who Gave the Govt the Right to do such Evil Acts?

: A Tale of 4 citizens

1. Ah Kow is a Malaysian from Penang. He came to work in Singapore and became a Permanent Resident. After decades of working in Singapore, he COLLECTED his CPF SAVINGS and returned to Penang to retire comfortably in a bungalow with a Mercedes car.

2. Li Ning is a student from China sponsored by the Singapore government to study in Singapore. She was given a living allowance and free education from Secondary One to University. After graduation, the Singapore government employed her and asked her to be a citizen. She declined, continued working for 5 years and went back to China for a better-paying job (as people who can speak English are valued in China, thanks to sponsorship from Singapore) after collecting her CPF SAVINGS.

3. John is a New Zealand (Kiwi) citizen. He was employed as an English teacher and got his permanent residency after just three months. He worked for ten years and COLLECTED his CPF SAVINGS and went home to buy a bungalow and a Volvo car.

4. Krishnan is a Singapore Citizen and worked as a technician until he was retrenched as the boss employed a cheaper foreign talent. Then he became a taxi driver and found he could not renew his taxi licence unless he paid money into his CPF. When he was 55 years old, he found he could not withdraw his CPF SAVINGS. When he reached 65, he found that the CPF Board only refunded him $500 a month of his own money for his living expenses. Then they told him that he has to pay medical insurance premiums from 1st November this year or be thrown into jail.

Which government can treat its own citizens in these immoral, unethical, unlawful and deviant ways? Who allowed them to do these evil acts?

If a CHANGE IS NEEDED... share this with the many Singaporeans who were misled by PAP.

Why We Don't Want another Prime Minister from PAP

Received this from a Friend this morning:

I don't want a new PM from the current party.
In fact,  I don't want the current ruling party to be in power again.

Because while they are in power

1. They increased water bill,  and they tax on top on water tax

2. They increased electricity bill

3. They increased medical  fees

4. They increased transport fares

5. They increased school fees

6. They increased town council fees

7. They increase petrol prices

8. They increased CPF minimum sum

9. They increased flat prices

10. They increased gas prices.

11.they also sued people who voice out.

12.They also going to have a new law under the 'fake news' pretence to stop people from speaking up

13. They start imposing all sort of requirements for blue collars.
Eg: O level English and maths to be a plumber. This was on the Chinese news paper.

14. They suspend your working  license if you don't pay medisave even though you have reach the required amount imposed by the ruling party.

15. They keep prolonging your CPF withdrawal age.

16. They implement an amount on the CPF amount you are allow to use when you are sick. When you have money in your CPF, yet you still got to fork out cash.

17. They are increasing GSTs as we speak, even though many are jobless and can't make ends meet.

18. Most of them, or infact, all of them,  live in ivory tower.
Not knowing what the people are going through everyday.

19. With people jobless, many turned to PHV but the ruling party are not allowing the drivers to deduct their operating cost off tax. All of them had to pay tax for Erps, which is another tax upon tax.

20. They told our children going to school is not important anymore. because a degree cannot guarantee you a job. Because it was cheaper to import degrees from god knows where.

I really don't want the ruling party to be in power anymore.
Or any of their 4 G whatever they call it.

They don't and they refused to comprehend the people's problems.
They said a lot,  but a lot was not done.

I don't want to end up collecting cardboards when I am 70, If I live that long ...
Because we will never stop paying, they will always have new things to make us pay.

I don't want my children becoming a third class citizen when the government encourage the children to stop studying while they import cheap degrees.

I really don't want the new 4G as my PM
I really don't want the current ruling party to be my government any more.


Aunty Debbie

More AfterShocks from the Budget 2018

Now you know why they need to raise the GST....

Budget 2018 is prudent and responsible? An outright lie, if one even bother to read into the balance sheet. I have a shock of my life reading how much the PAP government spent in a SINGLE year:

1) S$9.4 million on a useless puppet President (what does Halimah Yacob even need to spend on)

2) S$13 billion on Pension Funds for Ministers (considering that the pension scheme has been scrapped, why is this fund higher than the Healthcare budget)

3) 20% increase in spending to a S$182 million by the Attorney General Chambers (well done Lucien Wong)

4) S$555 million in increased spending by Defence Ministry to a record S$14.7 Defence Budget (this is 2.7 times above Malaysia's $5.3 billion Defence spending)

5) 14.7% jump in Ministry of Finance spending (the second largest year-to-year increase in all ministries, the first being Transport)

6) 2.4% reduction of Ministry of Health spending (now you have concrete proof they are lying when they said healthcare expenditures are rising over the roof)

7) S$1 billion propaganda budget for Ministry of Communications and Information

8) 95.4% increase in spending on Lee Hsien Loong's Prime Minister Office from S$414 million in FY2016 to S$809 million in FY2017

9) 52.6% increase in spending to S$13.7 billion for the Transport Ministry due to legal corruption scheme i.e. New Rail Financing Framework

10) 90.6% reduction in statutory board's contribution to tax revenue (S$4.4 billion is missing, wtf happened?!)

Call for Goh Chok Tong to Lead the Opposition in next Election

Following PM Lee's refusal to name his successor, there are growing voice of discontent within the ruling party that the dishonourable son is desperately holding on to power with total disregard to the usual PAP's practice of grooming new leaders and phasing themselves out gradually. He is going on the path towards dictatorship even within his own party.

Some within the party are preparing for the eventuality of a split within the party, with ESM Goh Chok Tong, who had earlier advised PM Lee to name his successor but to no avail, forming his own Party to restore Singapore to it's former glory once again.

ESM Goh had suggested in a facebook post that PM Lee should settle the 4th Generation leadership team within a 6 to 9 months timeframe. But the dictator had brushed that aside, saying that the ESM is speaking “with the privilege of watching things, rather than being responsible to make it happen”. And since then (Jan 2018) nothing has happened. And in the latest reshuffle of the Cabinet, no new deputy PM is expected to be named.

With ESM leading the opposition in the next Election, there is a real possibility of the PAP being toppled, as he had more than 10 years of experience in running the govt as a Prime Minister and lead the country during it's proudest moment, in terms of achievements, both economically and socially.

People are getting tired of lies and manipulations by the incumbent who has grown arrogant, complacent and taking the people for granted. Respect for ordinary Singaporeans are at an all time low, as the ruling party struggles to accomdate the huge foreign population in the country. Jobs and education are dominated by foreigners, driving many locals to joblessness and hopelessness.

Infrastructure breakdowns, which were unheard of during ESM Goh's reign, have become a daily affair. At the same time, taxes, fares and fees were raised to unprecedented levels in spite of the huge Budget surplus, which they themselves were shocked by the size of it in this year's Budget.

Raising of GST to 9% had to be postponed as there is no more lie to tell given the huge surplus splashed across all TV screen "live" during the Budget Speech. The surplus for the year 2017 is 10 times more than the forecast. That is how mediocre our govt ministers are with their forcasting nowadays.

It is time to change, and ESM Goh is now the key to Singapore's future. He has all the credentials to make Singapore great again. We hope ESM Goh will take up this challenge for the good of the people. If a 93-year-old man across the straits can do it, a 77-year-old Goh Chok Tong should be able to do even better.

Income Inequality and Social Stratification Talks: Mediocrity on Display

Quite clearly, the shocking Malaysian Election results, had jolted PM Lee out of his long slumber.

All of a sudden, his Ministers were summoned into Parliament to talk on topics that he felt guilty about, and made to speak positively and graciously about the oppositions. In fact, they sounded like apologizing to the Workers Party, for the bullying earlier on. The Parliament, which is fast turning into a white elephant, a tourist destination, and a museum, was suddenly bustling with noise from one party.

Like school boys and girls who were forced to do their homework overnight, these Ministers were seen struggling to read from prepared notes. All talking about the same theme - social stratification and income inequality - ironically, the 2 monsters created by themselves over the years.

Pinky had in the past, boasted of bringing in more billionaires into Singapore, "which will be better for Singaporeans". This "better for Singaporeans" phrase is really a irresponsible excuse to do anything he liked, because it doesn't need to be backed by any empirical numbers.

The same phrase was used when he planned to raise GST in 2006, but added that raising GST is actually to help the poor. A ridiculous and academically unacceptable argument. Naturally, it is now a worldwide laughing stock, just like many other statements he had made off-the-cuff.

The end result of all the noises made in Parliament is of course, NOTHING. Nothing other than ended up contradicting his earlier comment on Inequality (see pic below).

It was just an academic exercise for Pinky to see how well his Ministers can speak compared to his Malaysian counterparts in Pakatan Harapan, many of whom spoke with such intensity and passion, bare-handed (no notes), it was putting his millionaire Ministers to complete shame.

But by calling them to Parliament to display their verbal skills so soon after millions around the world were enthralled by the passionate Malaysian opposition winners, the comparison turned out to be an insult to Singapore for having so many overly paid and incompetent politicians in Parliament.

Speeches by Nga Chor Ming, Hannah Yeoh, Yeo Bee Yin, not to mention the veterans like Rafidah Aziz & Rafizi, as compared to dull, mundane and almost predictable speeches by Lawrence Wong, Indranee, Chan CS, and the PM himself.

This is telling us that something is not right here. We are not getting our money worth from this government. We deserve many times more, if we were to use the same measuring yardstick applied to the Malaysians. Look like, it is time for a long awaited CHANGE in Singapore too, if life in Singapore is to improve.

Mahathir Took A Swipe at PM Lee's High Salary

As a prime minister for the people, do you need such high salary? Listen to the answer from the mouth of a veteran two-timer prime minister. Hear for yourself what a shameful and pathetic prime minister Ah Loong is, and a poor excuse for a human being.