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  1. Friends I was looking at home and fire insurance for my place and I found out some things: the fire insurance that the bank makes you take when you have a loan will pay the bank first so if there’s no money left you come out empty Second is there anyone in their MCST? What does the condo insurance cover? Say there’s a fire in your home which damages the walls or some infrastructure, does the policy cover it? I've been diving into this recently - lets use an example say a homeowner is cooking and the cooker catches fire: (A) Burns only his own unit - walls are charred, tiles need to be replaced but no structural issues) (B) Burns only his own unit - fire burns through structural beam and needs looking into and repair (C) Burns his own unit, and burns through to the upstairs unit including structural issues Are all these issues covered under MCST insurance? Looking specifically at the building replacement, not renovation or contents insurance
  2. Lady who helped Amos Yee get asylum in US now wants him deported from US He was recently deplatformed after he was banned on Facebook and Twitter, and had his Patreon page disabled. This was after content he was uploading was reported. These included videos and Facebook posts that served to legitimise and legalise paedophilia. One former Yee supporter, Melissa Chen, is the latest, and probably the most relevant advocate to speak out against Yee. Basically, she’s a human rights activist originally from Singapore, who played a huge part in securing Yee’s political asylum in America. Change in perspective But for a while now, she has been strongly against Yee’s choice of content and speech. In perhaps the strongest statement yet, Chen made a nearly 10-minute video discussing her thoughts on Yee.(video at URL) Key points If you don’t have 10 minutes to spare, here are some of the key points she made. She had handed Yee some documents that kickstarted the entire asylum process while he was still in jail in Singapore. Yee had cut all ties with her since February 2017. He had apparently done this as he felt she was being too authoritarian in her advice to him to ensure his success in gaining asylum in the US. She rarely even thought about what he was up to, or kept up to date with him. Now, she feels Yee has to be deported from America, because of his views on paedophilia. She also volunteered to escort him on his one-way ticket back.While a free-speech advocate, she insists there are some ideas that are unacceptable: She did acknowledge the irony of a free-speech warrior like her advocating for shutting down Yee’s avenues for his free speech.Chen explained how she feels responsible, due to her role in getting him asylum. She reiterated her call to get Yee out of America, stating “being in America is a privilege, not a right”. Hindsight Chen then gave a succinct summary of the entire Amos Yee fiasco in Singapore, as well as highlight some of the international media’s glowing praise of Yee. After summarising the timeline, Chen talked about the blindspots and biases some activists, including herself, might have suffered from: One of those biases being his much lauded intelligence. She further stated that Yee was a narcissist and had “zero redeeming qualities”.Chen did reiterate her opposition to the measures taken against Yee in Singapore. She also blamed those actions, and Singapore’s general culture, on not nourishing his “neurodivergent idiosyncrasies”. Despite that, Chen also acknowledged Yee was no longer a child and had to be held accountable for his actions as an adult. Chen said she was personally sorry for how this turned out, and how this might affect future activists in Singapore. She also had this to say about Yee.
  3. Kurty

    Personal accident policy

    Hi, Decide it would be beneficial if I decide in getting a personal accident policy. Any advise in going about? Any recommendation? Coverage along with the yearly cost. Basically, my job is office based, exercise regular thus may suffer sport injuries easily. That
  4. RogerNg_185295

    Populist policy in Singapore

    I frequently read that populist policy will not work in Singapore. What's wrong with such policies? Will it really ruin the country? If so, how they know it will ruin the country without even trying to implement it? Moderators Please delete this if not appropriate for discussion.
  5. not sell you insurance .... but sell YOUR insurance policy ... heard the ad on radio this morning ... any idea how this works ?? http://www.conservationcapital.com.sg/
  6. hi, need your advice, the motorbike slip and bang onto the rear of my stationary vehicle. i have file police report, witness also file report. and i have show the TP officer the video. Safe to claim my policy ?
  7. Windwaver

    Any insurance experts in here?

    Problem for me and SO is our current CI that covers till age 60 is tagged to our whole life policy and we can't upgrade the CI part beyond 60 years old. Anybody here has a way around this other than getting a new plan? Thanks!
  8. Yewheng

    China scrap one child policy

    http://news.asiaone.com/news/asia/china-officially-ends-one-child-policy-state-media?utm_medium=Social&utm_source=Facebook&utm_campaign=Echobox&utm_term=Autofeed&link_time=1451208860#xtor=EchoBox Finally, it's been long overdue.
  9. I tried to cancel my policy and asked about the refund. they told me there will be no refund due to a windscreen claim!!!!! anyone experience this bs?
  10. no wonder the slightly better of families in KL send their kids to private colleges.
  11. LTA to test power of new Cat A cars before their sale By Christopher Tan Senior Transport Correspondent BY OCTOBER, the engine power of new Category A cars will have to be tested vigorously before they can be sold here. The Land Transport Authority (LTA) said these models will be put on a chassis dynamometer - a "treadmill" for cars - to determine how much power they produce. It will also review technical data supplied by importers and dealers through "independent checks with overseas counterparts" and other resources. The move comes after a new new certificate of entitlement (COE) classification was introduced in February. Besides a 1,600cc cap on engine size, cars in COE Category A must not produce more than 130bhp or 97kW. This was meant to level the playing field for sellers of mass-market cars, who in recent years have been edged out of Category A by luxury brands such as Mercedes-Benz and BMW. However, as soon as the new criterion was implemented, dealers of premium models began introducing cars with 122bhp to maintain their share of the Category A market. Sources say this is why the LTA is taking steps to ensure cars actually produce the power declared by their manufacturers. Due to the extra procedures, "motor dealers can expect a longer approval period", the LTA told The Straits Times, which understands it will now take up to four months to approve a car - up from four weeks previously. It is the first time the authority has shed light on a backlog of new cars at its inspection centre in Sin Ming Drive. There had been speculation by traders - some of whom have had cars stuck for seven months - that the LTA was planning further changes to the COE system. The authority told motor traders of the new procedures at a meeting yesterday. Many were not thrilled. Mr Ron Lim, general manager of Nissan agent Tan Chong Motor, said: "Together with the time it takes for cars to arrive here, it will take six months to launch a new car. Singapore has always been among the first to launch new models. With this, it's going to be very different." Mr Nicholas Wong, general manager of Honda agent Kah Motor, said: "The COE quota period is now shorter at three months. So if it takes four months before we can launch a car, how do we do our planning?" A trader who did not wish to be named said: "We told them that they should not use a power cap in the first place. But they didn't listen. Now, they're throwing the problem back to us."
  12. A game changer?? HDB policy to drag private pries?
  13. BlueOldMan

    Regarding those life ins policy

    Hi bros & sis, Like your kind advises n knowledge Got this 20 yr policy from ***** in yr 2000 States in yr 2008 will break-even But till now every yr statement comes Surrender value always off by 3-4 k Will u keep paying or surrender if no need the coverage? Is it true that it will never break even , dun even say about gain then? If eg yr 13/14 market is very bad If this co were to close shop Are we protected by Mas or it will be 0 value? Tks
  14. This Article talks about banks relocating some jobs out of Singapore. Of particular interest is the following paragraph in bold.
  15. Without_a_car

    Anti FT policy: Middle Income stagnation

    Title : Middle class wage stagnation could lead to social instability By : Date : 11 January 2007 1856 hrs (SST) URL : Middle class wage stagnation could lead to social instability - Channel NewsAsia SINGAPORE: Middle class wages have been stagnant in the past 5 years, according to economists, and this could lead to social instability. These concerns were shared by economists at the annual Institute of Policy Studies Singapore Perspectives conference, who also added that the government is taking steps to address the problem. Economists believe a US economic slowdown in business and consumer spending may cause problems for Singapore, but as Singapore is tops in the ASEAN resilience index, it should be able to weather external shocks, thanks to a diversified economy and strong Asian demand. They predict that growth going forward will be above 3 to 5 percent. The long-term growth limits for a mature economy was previously in the 3 to 5 percent range. However, economists are asking who this growth is for. The income of the bottom 30 percent of the population has fallen. What is more worrying is the fact that the majority of Singaporeans in the middle class has only seen about a one percent increase in their nominal income in the last 5 years. This is not not just a Singapore problem say economists who point out that stagnant wages is a global problem. The chief reason for this is globalisation, especially with India and China introducing a large pool of skilled and unskilled labour to compete with the labour forces of industrialised countries. Singapore is susceptible to this because of its open economy. Manpower Ministry data shows that 124,000 jobs were created last year and 45 percent of these jobs went to foreigners. "With the rate of immigration, even among unskilled and semi skilled labour at a rate twice of what we experienced in the 90s, at a rate fastest in the developed world, the question is - does this dampen our real wages as we grow? Does the strategy itself dampen real wages and depress real wages at the low and middle end of the spectrums? They are sacred cows but we should step back and think about them," said Yeoh Lam Keong, Vice President, Economic Society of Singapore. Another reason cited for middle class wage stagnation is the move by the government to cut CPF employer contribution rates for older workers by 4 percentage points over the last 2 years. "So if you were a worker in the 50-55 age group, you could have seen your wages fall as much as 10 percent over the last 3 or 4 years. Now with the economy improving, the government could bring that back, the increase is 1 or 2 percent. I'm in support of CPF tinkering but probably it happens far too often, but I think there's probably some justification to look back and think that the restructuring was a bit too aggressive on the CPF side and it has contributed somewhat to a very sandwiched middle class," said Chua Hak Bin, Director, Asia Pacific Econ & Market Analysis, Citigroup Global Markets Singapore. The government is looking at increasing CPF by 1 to 2 percentage points in 2007. Economists say workfare should become a more permanent pillar of the economy so as to cushion growing inequality. - CNA /dt
  16. The Straits Times www.straitstimes.com Published on Jan 17, 2012 http://www.straitstimes.com/print/Breaking...ory_756490.html 'Foreign talent policy had effect on income gap' Inflow hurt wage growth for some, says expert panel By Melissa Tan
  17. Government policies to draw foreign talent into Singapore likely helped widen the income gap in Singapore, a study by the Institute of Policy Studies (IPS) found. "Rising tide of foreign workers almost certainly impacted wage growth at parts of the income distribution and thereby worsened inequality," said Manu Bhaskaran, adjunct senior research fellow at IPS who chaired a panel on "Economics: Business as usual, no longer?" for IPS
  18. SYF77

    Volkswagen

    Volkswagen has agreed to stop its Blackberry servers sending emails to some of its employees when they are off-shift. The German automaker made the move following complaints that staff's work and home lives were becoming blurred. The new policy covers employees in Germany working under trade union negotiated contracts. Under the arrangement, servers stop routing emails 30 minutes after the end of employees' shifts, and then start again 30 minutes before they return to work. The staff can still use their devices to make calls and the rule does not apply to senior management. "We wanted to take a preventative approach to tackling the issue," said Gunnar Killian, VW's works council spokesman. "At Volkswagen flexitime is between 0730-1745, with our new arrangement workers can only receive emails between 0700 and 1815." "It's bad for the individual worker's performance being online and available 24-7. You do need downtime, you do need periods in which you can actually reflect on something without needing instantaneously to give a reaction," said Will Hutton, chair of the
  19. Georgie now a teacher. Maybe as an academic he can be in a more comfortable role to continue contributing to our nation. From CNA: http://www.channelnewsasia.com/stories/sin...1140906/1/.html George Yeo to join LKY School of Public Policy By Imelda Saad | Posted: 14 July 2011 1848 hrs
  20. It must feel good to join a School named after you. Most people who have buildings or schools named after them have no opportunity to as they would have been dead by then. Lee is probably the first person in the world to have this experience. Singapore #1 again. Lee Kuan Yew to join LKY School of Public Policy as Distinguished Fellow Posted: 24 June 2011 1520 hrs Photos 1 of 1 Mr Lee Kuan Yew (file picture) SINGAPORE: Mr Lee Kuan Yew is joining the Lee Kuan Yew School of Public Policy at the National University of Singapore as a Distinguished Fellow. A statement said both the school and the university are delighted that there will be opportunities for students, faculty members and researchers to interact with Mr Lee and tap on his vast experience and insights into how societies are best governed in a globalised world. The school's dean, Kishore Mahbubani, said Mr Lee's involvement would significantly enhance the ability of the school to fulfil its mission and further raise the status of the school globally. Mr Lee will take on the appointment with effect from July 1, in addition to his current role as Senior Advisor to the Government of Singapore Investment Corporation (GIC). - CNA/fa
  21. http://www.straitstimes.com/BreakingNews/S...ory_670669.html let's hope so la... dun ask us move to JB Analysts expect shift in housing policy By Esther Teo, Property Reporter SOME property analysts are anticipating policy shifts on HDB flats and mass market private homes, with the appointment of Mr Khaw Boon Wan as the new National Development Minister. They say Mr Khaw, 58, the outgoing Health Minister, is known to be an effective game changer. Since housing affordability was a hot-button topic during the elections, the analysts foresee Mr Khaw as being forceful on this issue, at least early on. Analysts note that Mr Khaw had volunteered for the portfolio, replacing Mr Mah Bow Tan, who is retiring from the Cabinet and the post he has held since 1999. They recall Mr Khaw was parachuted into the Health Ministry after the 2003 Sars crisis. The well-liked politician was instrumental in restoring confidence in charities after the National Kidney Foundation scandal. DMG & Partners Securities research co-head Terence Wong said he would not be surprised if Mr Khaw shows determination to make housing more affordable for the young.
  22. Much have been said since the GE and even before that. Some Ministers have taken the heat and withdrew. However looking forward, we must unite and now give ideas to the new minister on how to revamp the housing mess. Its not that we have not suggested anything before, just that maybe previously they had a hard time listening. Before we come to the specifics, we should define the principles along which the lines of policies should be drawn. I'm listing down some basic principles that must guide us: 1. Land is a limited resource in Singapore and must be put under control. Unlike other countries we cannot emulate their policy of unlimited price inflation. Economic theory of supply and demand cannot and must not be allowed to play in this situation. 2. Homes and housing are basic inalienable rights to its citizens at an relatively reasonable price. Other than these 2 basics, can contributors here think of anything else?
  23. Interesting read, not sure if it is correct. Opinions anyone?Does_Unreal_GDP_drive_our_Policy_Choices.pdf Sorry, I meant also does it apply to Singapore?
  24. While checking out the LTA website, I came upon something which I guess most Singaporean does not know. Would like to hear the views of those who strongly support ERP to control vehicle congestion. http://ask.lta.gov.sg/home/lta/listings.as...y=44850#2288667 Q Can I drive a foreign-registered car on ERP-priced roads? A Yes. You can choose to pay the ERP fee on a per pass basis. This will require you to first rent or install an IU in your vehicle. You will then need to insert a CashCard or your Autopass Card into the IU when you drive past an ERP gantry. Alternatively, if you do not want to install an IU, the fixed ERP fees scheme will apply. All foreign motorists can drive on ERP roads in Singapore without the need to rent or install an IU for their cars. The ERP fee is chargeable at a flat rate of S$5 for each day a foreign-registered car is used on ERP roads during ERP-operation hours. Q Can I drive a foreign-registered car without an IU on ERP-priced roads? A Yes, you can drive on any ERP-priced roads during ERP operational hours without installing an IU in your car. You will be charged an ERP fee of S$5 for each day you drive on ERP-priced roads. This fee is payable with your Autopass card when you depart from the checkpoint. Just remember to have your Autopass card topped up (at 7-Eleven stores, selected petrol stations, top-up booths near the checkpoints and local bank ATMs) with sufficient cash balance to pay for ERP fees, VEP fees and toll charges before you proceed to the checkpoint. LTA's stand on implementing ERP. Fair Charges are based on usage so those who contribute more to the congestion pay more. Those who use the roads less frequently or who travel during non-ERP hours will pay less or not need to pay at all. So there's no limit to the number of times a foreign vehicle (eg. M'sian registered vehicles) can pass through each ERP gantry and just need to pay $5 when they cause equal congestion on the roads. And the question is why $5 and not more when ERP rates are adjusted upwards most of the time. M'sian vehicles are compact vehicles that does not take up road space? VEP should not be tied to this discounted ERP charges when comparing. For people living in Woodlands travelling via CTE during ERP hours both directions and entering the city (and the ERPs within the ERP zones), how much are they paying a day? Why LTA didn't offer S'pore cars with the same $5 per day rate and charge each time we cross the gantry?
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