Tuesday, September 1, 2015

Chinese and English broadcast of 'Your Vote Matters'

The first thing that comes to mind is why the unequal time allocation to PAP. They took up half of the time slot, while the 5 alternate parties have to share the other half.  PAP has 2 representatives, while the other parties only 1.

They are all parties contesting the election, why must PAP be given unfair advantage ? Most of the time alternative party representatives were cut off in the middle of their speech as their time is up. While PAP ones can take their own sweet time to talk. Even then, Chan CS over shot the time  allocated, but continue talking anyway as he ignored the moderator. Typical PAP 'big shot' mentality.

The topics for discussion are the same for both broadcast.  They are :  high cost of living, foreign workforce / immigration and future direction of S'pore politics

In the English broadcast, the alternate parties NSP (Lim Tean) , Reform Party(Jeyaretnam), SDP (Chee SJ), SingFirst (Tan JS), WP (Leon Perera) all spoke pretty well. Lim Tean is impressive with his clear and short delivery. His body language is sincere and reaching out to us.

Denise Phua from PAP come across as passionate and sincere. If there are more folks like her, may be PAP will not be rotting.  Lawrence Wong is a smooth talker, he reminds us of those snake oil seller, smiling away trying to get you to buy his product.

In the Chinese broadcast, NSP (Sebastian) and SDP representative presented themselves very well.  The WP guy spoke too fast and tried to bring up too many points.  SingFirst (Ang) is handicapped by his weak mastery of Mandarin. Reform Party representative performance was below par. Sebastian gave the best analysis of the high cost of living being contributed by high business cost whereby the govt has influence over such as worker's levy...etc

PAP (Chan CS) is another snake oil seller.  Saying a lot of motherhood statements without facts to substantiate it - like the minimum wage issue. Keep repeating other countries have failed - hello where are your data to support it ? Which are the countries which have failed and in what way have they failed?  He talks about voting in the people we 'trust'. Isn't this an irony. Did not PAP said they want to gain back out trust? So this means we don't trust them.  If we do not trust them, we should not be voting for them right? So this ex-paper general is reminding us not to vote for his party! Ha...ha.

Sim Ann come across as insincere and cold. Pretty typical PAP elite hypocritical type. Compare to Denise Phua, she is a real turn off. Her assignment from her master is to throw stone at WP over the Town Council issue. Next she tried to explain the difference between population and workforce (direct translation from Chinese 'human mouth' and 'human hand').

She was smoking us again by repeating the same old thing, - aging population so not enough hands to support the mouths. They still failed to acknowledged the fact the aging population is aggravated by the liberal FT and immigration policies. These folks bringing along their aging parents and at time even grandparents. It matters not if they are on visitor pass or long term pass, as they still use our overburden infrastructure and facilities (transport, healthcare....). So the ratio could be at least 1 : 1 to 1 : 4 (ie every foreign import brings in one or more senior).  Besides if the FT, PR and new citizens are in their 40's, they are fast becoming the aging population too !

We the citizens want constructive debate on policies. Mud slinging and stone throwing is dirty and immature. We don't like DIRTY POLITICS.  So those who love to wear white please stop playing with mud and stones.  

PAP Election Strategy

After viewing both the Chinese and English broadcast of 'Your Vote Matters', we can double and triple confirm that PAP ungentlemanly politics is one of their election strategies.  We know how after fixing WP since they won over Aljunied in the last election, they have been hitting below the belt non stop on WP lapse which root cause is due to PAP 'legalised' underhand policies to disadvantage alternate parties.

In the Chinese broadcast, Sim Ann took pot shots again at WP Town Council management lapse. In the English broadcast, Lawrence Wong told an old one-sided story to discredit SDP, Mr Chee.  Sim and Lawrence resemble smiling tigers.

Basically this year PAP election strategies can be summarised as follow :

1) evoke past memories of the good old days, as the first decade after our independence where we did remarkably well.  Please lah - we have eyes to see how we have deteriorated over the recent decade!

2) non-stop milking of a dead politician - after been bombarded 24/7 for the whole week with his image/voice after his passing, his image and voice still haunt us over the media every day. Hello - not everyone respect or like him lah.  For those who do, there is no need to over milk, as even live cow will dry up, and this is a dead one!  For those who don't buy into the story of this dead man sold by PAP, it is a real turn off.

3) spreading millions all around in the name of subsidy and SG 50 celebration goodies. This is an old trick, we the citizens are familiar with.  Thus, it effectiveness is in doubt for alternate parties supporters. For PAP supporters, no need to waste so much money as a package of chicken rice will do.

4) the fear factor - so we have the Chan and Lawrence telling us during the broadcast of economy and financial threats, terrorist threat,....... But do they not realise what we fear most is one party dominance which resulted in abuse of power, legalising everything from their own million $ salary, controlling our CPF money, throwing teenage into jail,  ......the list can go on and on.

5) mud slinging -  every PAP politician who goes on air or speak to media will take pot shot at WP.  From the broadcast, looks like they will throw more mud at other alternate parties too.  They have done that in the past pretty successfully. But in this age of internet, it may back fire.  Perhaps they should remember that those who throw muds have dirty hands too.

Sunday, August 23, 2015

Medishield Life is still CRAP

When the govt spend so much time, effort and money to brain wash us, you get a sense things are not rosy and we will be paying a heavy price for it. Remember the recent 'fun pack' with all the hype around it? It turned out to be crap, so much so the collection period has been extended (too many left overs) and some grassroot has taken to adding more items to the standard crappy pack to entice folks to collect them.

Medishield is crap and Medishield Life is no different. The many shortcomings of Medishield have not been resolved. The only good thing about Medishield Life is the universal coverage for all citizens regardless age and medical condition. BUT the idea is not from PAP. It originates from SDP.  As usual the govt under PAP has the 'creative' ability to turn every noble scheme into a money making venture at our expense.

Let turn our attention back to the short comings of Medishield Life inherited from Medishield :

1) Heavy out of pocket payment
The sky high deductible. For class C ward (which is the lowest already) it is $1.5K for those below 80 years old and $2K for those above 80. On top of this we still have foot 10% co-payment. As our medical cost has been inflating year after year, this could be a heavy burden for low income and retiree. Some common issues for the elderly are stroke, knee and hip problems. The 90th percentile of hospital bill size for these is around $10k. With the deductible and co-payment, it could be around $3k that the patient has to pay out of his/her own pocket.

2) Many Common Aging Diseases NOT Cover
Take for example cataract which affects many elderly. It is NOT cover under Medishield. Even with the so call 'subsidy' the bill comes up to over $2.2K for both eyes on average. This has not include the pre-op and post-op fee. What is the point of universal insurance when common diseases affecting the population are not cover?

3) The Old and Healthy Are Penalised
In private medical insurance scheme, the premium is fix at joining age. We are not penalized to pay heavier premium as we grow older. The horror of Medishield scheme is that the old and healthy are penalized with heavy premium. It matters not that one has been paying all the years without claiming a single cent and your medisave a/c depleted by Medishield payment - your premium is above $1.1K once you hit 80 years old and your deductible also increases by $500 !

4) Uncertainty of future premium and cost
Unlike private insurance where the contract is binding and cost is fix at the point of joining, CPF has the greedy habit of increasing the premium across the board time and again. They will also raise the deductible. The term 'contract' has no meaning for any schemes under CPF, which are getting numerous and more complicate over the years.  This bring us to ....

5) So Complicated
The previous Medishield scheme is already so complicated. This Medishield Life scheme is giving a new life to the word COMPLICATED.

Just to know how much is our premium, we have so many factors to consider : Age (16 bands), Income (4 categories), Annual value of property you are living in and Subsidy for the first 4 years.  This subsidy thingy is so complicated because the premium has been jacked up sky high across the board. They want to pacify us but at the same time cannot forego their glee to collect as much money as early as possible from us.

Subsidy for transitional period - have to consider again age, income, pioneer or non-pioneer and then which year of subsidy :-

2015- 1st yr 90% of net premium increase (note- it is only on the increase premium), 
2016- 2nd yr 70%,
2017- 3rd yr 40%,
2018 - 4th yr 20%.

The question is WHY make it so complicated ??
There are likely 2 reasons why govt loves to complicate things. First - is that if we find it so stressful and time consuming to understand the scheme, they hope we give up and just listen to what they choose to drum into us - Hear Only The Good Things. They can then do what they like to the scheme and our CPF with 'less noise' from us.  Second - it is the way to generate more revenue from the scheme.

We know the notorious 3M (medisave, medishield and medifund) has not prevent many from 'falling' between the cracks. But it has been a good source of $$ for the govt.  The Medishield payout has always been much less than the premium collected (extremely derisory when compare to other countries public healthcare payout). Medifund set aside to help the needy has been under utilized due to govt usual stinginess. 

The coming Medishield Life premium has rocketed and likely to be delightful source of revenue for govt. The premium increase is the most for these 3 age groups :
1-20 yrs old   - 160% increase
21-30 yrs old - 195% increase
31-40 yrs old - 195 % increase

For the rest of the age group- that the increase is less than 100%. The minimum increase is 11% for those age 81 to 85. However, in monetary terms, the increase is from $80 to $355. The group suffering the highest monetary increase is the elderly from age 71 onwards. The irony is just when you are nearing to say bye bye at age 90, they rip you off the last time with a hefty 28.57% increase in your premium ($340).

In summary, it has been the trend that when we are being rip off heavily, we will be given peanuts subsidy to pacify us for the 'transitional' period.  There will be plenty of propaganda communication to paint a heavenly picture of how wonderful the scheme is.  So the rosier it is, the worst off we will be. 

BEWARE of SUBSIDY. They are in fact taking 'gold ingots' from us and giving us' peanuts' in return.

note-  the current batch of pioneer's subsidy may not be extended to seniors 65 and above age group in the future.

Sunday, July 5, 2015

PM Lee is S'pore misfortunate

It is unfortunate for us to have a 2nd Lee as our prime mister. He is not as capable as the first Lee but still a chip of the old block in terms of deviousness, viciousness, pettiness and ungracious arrogant.

S'pore image is ruined by his unforgiving pettiness. Here we have a PM suing a young blogger who raised questions on CPF which are already on most citizens' mind. Instead of clarifying, he wants to sue the blogger's pants off.  The easier way to deal with the problem is to be open and transparent if there is nothing to hide.  Since he took to the difficult road - either he is blinded by his arrogant and self importance or perhaps there is really something that cannot see the light of day.

So looks like he is the one ruining his own reputation by his foolishness. The lawsuit has only drawn more attention to the blogger and CPF issues. It left more doubts in our mind of his fitness to be our PM.

Then more damage is done to S'pore image when our govt under his idiotic leadership sue a teenage who dare to criticise his daddy.  This is just a 16 year old boy who is just a needle amongst the haystacks in the internet world.  Now this boy becomes famous due to the lawsuit.  We have international groups speaking up for him and commenting on the injustice of S'pore system.

We as citizens do not want such unflattering attention to our country due to the poor judgement of our revengeful PM who is just out to draw blood regardless of the consequence.


Saturday, March 28, 2015

LKY worship has reached fever pitch

Looks like LKY worship has reached fever pitch both locally and in some of our neighboring countries.

Locally we have forced mourning 24/7 by local media stations boarding casting day and night the same few documentations of dictated version of S'pore history related to LKY.  Then skate parks are cordoned off, concerts and events cancelled  ..... basically life has to stand still as our 'great' leader is gone.

We have folks fainting due to queuing for 8 hours or more to pay tribute to LKY.  Folks are flocking to all the designated areas to sign the condolence books.  Likely we will beat world record for the most number of people queuing up at the same time at different locations for the longest hours.

Then we have people petitioning to change the name of our airport to LKY's name.  Another petition to build a statue of him. Actually we already have waxed figures of Mr and Mrs Lee.  So not sure what the intention is - to replace Sir Stamford Raffles statue ? Folks are calling LKY founder of S'pore, though our current history has it as Sir Stamford Raffles.  So change history and change statue ?  What else do we need to change before the LKY fever pitch cool down ?

A creative medicorp artist suggested to print $100 notes with LKY's portrait on it. Those ministers, MP, grassroot and anyone who go on air to pay tribute to LKY tried to outdo each other. So we learned that we have to be grateful to LKY for our food, toilet, trees.....basically everything single thing around us has his footprint on it.

If a minister has his way, we will be flying our national flag on his burial day.  Oh - there is also petition for our gambling dens casinos to be closed on 29 Mar. Some dedications back fire - like the LKY exercise routine and LKY bread bun.

In India, a village with folks who never even set foot in S'pore are mourning his death. Village leader appeared on TV crying.  These folks have family members working in S'pore so they are eternally grateful to LKY for letting truck loads of their sons into S'pore to make a living.  India has declared 29 Mar a mourning day.

In China, villagers are flocking to LKY's ancestral home in Guangdong built by his grandpa to pray to his portrait.  They intend to spend $8.8M to turn it into a tourist attraction spot though LKY never lived there at all.

I have my own humble suggestion. Why not name the next new housing estate after LKY?  It will come with LKY Street, Avenue, Lane, Expressway. So many things will be named after him once we have a HDB estate in his name ...LKY Town Council, Committee Center, Malls, Markets, Schools, Parks, ...... His name will be all over - everyone so happy, no need to write petition after petition.

Should not be a problem getting support as the minister in charge of this has been crying at the mentioned of his name.  Certainly he will be all for it. Then each BTO flat can be sold at out of this world price. After all, a flat in a HDB estate name after a our supreme leader and his cabinet of ministers who draw out of this world salary must be sold at such befitting price.

No need to worry about losing election, as this will be GRC ward full of MIW supporters.  If neighboring wards favor opposition, just redraw the boundary before election. It will be like killing 2 birds with one stone - $$ making and vote winning.  LKY HDB Estate can propel the maximum number of MIW candidates into parliament.  The only problem is can they build it up before the next election which is likely round the corner before LKY worship fever pitch dies down.