台湾是中国的大包袱也是战乱的祸根 （小智慧，大道理）

Taiwan is China's big baggage and root cause to war

29 Nov 2025

https://vt.tiktok.com/ZSfX8kMn4/

1. 台湾是中国的大包袱也是战乱的祸根.

Taiwan is China's biggest baggage and the root cause to war brought onto China.

2. 中国土地这么大，人才充足，经济发展这么迅速 - 却被台湾拖累了，拖慢了，

China has such a big landmass, plentiful of human talents, economic development has been so rapid - but is slowdown, impeded by Taiwans affair.

3. 还应为台湾被西方，日本 作为 筹码 被牵制着 - 竖立很多仇家，寸步难行。

Taiwan has been hijacked by the West, Japan as hostage and hold as pawn  - to check on China, retarding its development and progress, and in the process let China make many enemies and as a result, very difficult to expand its interest, trade, business, investment and travel throughout the World.

4. 佛曰 ：- 握紧拳头一直不放，就是苦的根源。拳头握的越紧，痛苦越深。把拳头松开，痛苦渐渐消失。

As Buddha say, clenching your fist and refuse to let go, it is where Sufferings started and the root cause of pain.

The harder you clench your fist and refuse to let go, the deeper the Sufferings.

Releasing the grasp, Sufferings gradually subsided.

5. 一个领导者，仔细分析了利与弊，是否因该把台湾的统一放在最后而不是把他放在第一位呢？

As a leader, after weighing the pros and cons, cost and benefit analysis, should Taiwan reunification issue be put as the last priority instead of the 1st priority?

6. 

2024 (USD)

Taiwan GDP （台湾国内生产总值）= $797 billion

中国个省国内生产总值 (China provinces respective GDP)

广东 = $1,988 billion

江苏 = $1,923 billion

山东 = $1,384 billion

浙江 = $1,265 billion

北京 = $699 billion

台湾国内生产总值 微不足道 冰山一角， 却把整个中国拖到焦头烂额，到处竖立仇家，被对手牵制，牵着鼻子走， 真是中国的大包袱啊！ 如果把台湾统一丢到后头 （台湾岛是不会游走的，永远就在中国对面），让他自身自灭，最后才来处理，是否会更好呢？

只要中国把国内经济搞好，强大，仁慈，释放橄榄汁，结交朋友满天下， 台湾有一天会感动而自动回归中国。

毕竟 人是吃软不吃硬的。以德服人 是最殊胜的统一方法。

Taiwan GDP is inconsquential to China as many provinces produce much higher GDP than Taiwan. Yet Taiwan has cause so much damages to China in terms of reputation, access to International friends, markets, making enemies along the way because of Taiwan, and let its adversaries exploit Taiwan as pawn to pull China whatever direction they want by its' nose. 

Taiwan indeed is the biggest baggage and obstacle to China development, progress, moving into international space and progress.

If throw Taiwan reunification issue as last priority as it is inconsquential and wait for the ripe time, it could automatically seek reunification with China if China is doing very well.

A willing heart is easier to reunify by extending the olive branch than through clench fist and guns.

7. 反之，如果中国坚持对台湾的控制并将其作为首要任务，则可能出现两种结果：

一、和平统一——台湾被说服以类似香港和澳门的独立省份重新加入中国，享有自治权，保留警察部队但不保留军队。

这是最佳结果，但鉴于台湾社会的发展趋势，可能性极低，几乎不可能实现。

二、武力统一——鉴于台湾目前缺乏与中国统一的决心，这或许是最有可能出现的情况。

如果这种情况如中国所言成为首要任务，可能出现以下后果：

a. 投入兵力、登陆作战、轰炸——大规模常规战争爆发，将动用空军、海军陆战队、陆军和火箭部队。

b. 外国军队可能介入——例如日本、美国。

c. 西方国家可能对中国实施制裁——冻结中国在全球的资金、资产和投资。

d. 贸易、商业、投资、旅行等都将受到限制，中国的经济和金融将遭受重创（整个中国经济将遭受毁灭性打击——仅仅因为一个微不足道的台湾）。

e. 中国军队试图占领台湾时，台湾和中国入侵部队都将伤亡惨重。

f. 如果日本和美国军队与中国进行导弹交战，中国东部沿海省份甚至内陆省份都将遭受破坏甚至摧毁——因为日本和美国拥有贴地巡航导弹、隐形战斗机、轰炸机和无人机，可以规避防空系统。

g. 同样，台湾的许多基础设施也将遭到破坏或摧毁，因为中国的隐形飞机、导弹和入侵部队将袭击台湾。

h. 中国仅仅因为一个微不足道的台湾省份，就遭受了高达数千亿美元甚至数万亿美元的巨大经济损失。此外，还将造成数十万人伤亡。台湾、日本和美国海军的情况也类似。

损失和灾难极其巨大，甚至可能引发第三次世界大战。

真的划不来啊。代价太大了。中国几十年的成就有可能会被拖垮化为乌有。

7. Conversely, if China hold on to Taiwan and put it as its 1st priority, there are likely 2 outcomes:-

i. Peaceful reunification - whereby Taiwan is convinced to rejoin China as one independent province like HK and Macau - that allow to self-govern, autonomy, keep the police force but no army.

This scenario is the best outcome but very unlikely, very remote looking at how Taiwan society evolve.

ii. Reunification by force - which is the most likely scenario as Taiwan resolve for reunification with China in the current settings are not there.

If this scenario is to happen as China put it as its 1st priority, the following could be the outcomes:-

a. Committing forces, landings, bombings - large conventional war breakout that will invoke the airforce, marine, army and the rocket units.

b. Foreign forces could jump in - eg. Japan, US.

c. Sanctions against China could have been implemented by the West - freezing China money, assets, investments across the World.

d. Trade, business, investment, travel etc - will be restricted and China's economy and finance will take a big hit (The whole China's economy take the most devastating hit - because of one little inconsequential Taiwan).

e. As China forces try to take over Taiwan - heavy casualties on both Taiwan and China invading troops will be incurred.

f. If Japan and US forces trade missiles blow with China, China east coast provinces or even inland provinces will suffer damages or even destruction - as Japan and US have land hugging cruise missiles, stealth fighter planes and bombers and drones that can evade air defences.

g. Likewise Taiwan many infrastructures will be damage or destroy as China stealth planes, missiles, and invading forces plummet Taiwan.

h. China because of 1 tiny inconsequential Taiwan province - suffer mammoth Economic damages that can run up to hundred of billions of $ or even trillion $. And will have military and civilians casaulties and death that could run into hundred thousands of injuries or death. Same with Taiwan, Japan and US naval forces.

The damages and catastrophes are immense - and could trigger WW3.

It is really not worth it. The price to be paid is simply too high. It may even pull down China as a whole and its so many decades of Economic achievement and standing may go down the drain.

REACH (Telegram) 110 -  What are your views on the efforts to manage healthcare cost through changes to the Integrated Shield Plan?

(SK)

28 Nov 2025 (10am - 7pm)

REACH (Telegram)

REACH Singapore, [28/11/2025 9:56 am]

Dear Contributors,

Welcome Back! 😊

⏰ We will be opening the chat from 10.15am to 7pm today. ⏰

House Rules (short version of our Terms of Use) to keep in mind:

1. Be kind and respectful. We all want to be in a safe space to share our views. 

2. Any and all threatening, abusive, vulgar or racially, religiously and ethnically objectionable content is prohibited. 

3. Consider the quiet ones among us and give them a chance to comment. 

4. No need to repeat your comment or in different forms (including caps) - we heard you loud and clear the first time. 

5. Let's protect each other's privacy and keep contact details in this group what it should always be - confidential. 

Full set of Terms of Use: https://www.reach.gov.sg/Participate/reach-telegram-group/REACH-Telegram-Group-Chat-Terms-of-Use/

We will strive to uphold these rules to ensure this is a safe space for all. 

Please be assured that the points made by participants during the chat are aggregated and shared with relevant agencies. 

The topic will be posted shortly. 

Thank you. 

Megan 😊

REACH Singapore, [28/11/2025 10:16 am]

📢 Topic 📢

Ministry of Health (MOH) announced on Wednesday (Nov 26) that new riders will no longer be allowed to cover the minimum plan deductibles, as part of measures to address rising private healthcare costs. Integrated Shield Plan policyholders who buy new riders from next April will see changes to what their coverage includes, as well as a higher minimum co-payment cap.

💬 What are your views on the efforts to manage healthcare cost through changes to the Integrated Shield Plan?

Currently, policyholders with riders must co-pay at least 5% of their bills, with insurers setting a co-payment cap of no less than S$3,000 per year. 

This cap will be raised to a minimum of S$6,000 per year for riders sold from April 2026 to “keep pace with the increase in bill sizes over time”, said MOH. The current minimum 5% co-payment requirement will remain. 

📌 Tackling Overconsumption

While very comprehensive coverage that “protects up to almost the last dollar” can “confer absolute peace of mind”, this can be very expensive and drives up healthcare costs, said the Health Ministry. Minimal co-payments tend to encourage patients to overconsume healthcare services and for providers to overservice them, it added.

“These changes will help to bring health insurance back to its original objective, which is to protect patients against larger healthcare bills,” said MOH. “It will increase cost discipline over minor episodes, and reduce overservicing and overconsumption associated with non-essential hospital admissions or treatments.”

The changes also have a longer-term objective – to set private health insurance on a more sustainable path so that it remains a viable option for Singaporeans who opt for private healthcare services, the ministry added.

📌 Impact on Policyholders

About 6 in 10 claimants across all ward types will not need to pay for anything in cash, as MediSave limits are enough to cover deductibles and co-payments, said MOH.  About 3 in 10 claimants will pay less than S$1,000 after MediSave, while the remainder – mostly private hospital patients – may pay more than S$1,000.

With the changes, new riders are expected to be about 30 per cent cheaper than current ones offering maximum coverage, MOH said. “While the changes entail more co-payment for smaller bills, they should not stop patients from seeking care when it is needed,” the ministry said.

While patients will pay more when they are admitted to a hospital, this will generally be offset by lower premiums each year, so they end up paying less overall. In addition, keeping premiums in check also benefits the majority of policyholders who stay out of hospitals and do not make claims.

📌 Implementation Timeline

Insurers must launch the new riders by 1 Apr 2026, and cease selling those that do not comply with the new requirements on the same day. Existing riders can continue to be sold until 31 Mar 2026, but buyers must be informed they will move to the new framework by their next policy renewal after 1 Apr 2028.

As for existing rider policies, insurers will “further study” and “determine their own approach”, said MOH. Policyholders who purchased riders before 27 Nov 2025 are encouraged to consult their financial advisers on whether the new ones would better suit their needs.

Asked if some insurers may retain existing terms for current policyholders, MOH acknowledged the possibility but said the revised rules would apply to all new riders. “If they don’t change and only the new rider policyholders are on the new riders … then the impact on cost would have to take a much longer time," MOH said. "Because you would only see the change in behaviour when the new rider holders are actually claiming.” 

👉 https://cna.asia/4rBgIXE

👉 https://str.sg/q8mK

----

365, [28/11/2025 10:38 am]

This just means less coverage for insurance holders, even if they are willing to pay more. I feel this is a bad way to tackle the issue. In a way, those that have paid more for the riders, should have a right to the consumption as they have paid more for it. Paying more for that peace of mind, and keeping up with their health.

If you're taking away what riders can provide, then what good are riders for then? The whole reason they are providing more benefits in the first place is because they cost the policy holders more in premiums, and I think that is fair.

Disregarding the statement on fairness above, if the objective is to prevent excessive consumption for non-essential hospital admissions or treatments, then the minimum co-payment should be targeting specifically conditions that are considered as non-essential, while keeping the same coverage for the essential ones.

Daniel, [28/11/2025 10:52 am]

I think this is a good move. Having a rider and using it, means the extra cost not only burden the rider but also the main integrated plan as the extra consumption would be split to rider (copayment and deductible) and IP (bulk of claim). 

I feel having to pay a portion of the bill proportional to the actual costs is a good thing. Plus it should make the riders cheaper as well.

REACH Singapore, [28/11/2025 11:00 am]

[ Poll : 1. I am confident that the changes to the Integrated Shield Plan will effectively manage healthcare costs. ]

- Strongly Agree

- Agree

- Neutral 

- Disagree

- Strongly Disagree

REACH Singapore, [28/11/2025 11:00 am]

[ Poll : 2. I understand the changes to the Integrated Shield Plan will benefit our healthcare system. ]

- Strongly Agree

- Agree

- Neutral 

- Strongly Disagree

- Disagree

REACH Singapore, [28/11/2025 11:04 am]

Dear Contributors,

Please take a moment to participate in our polls and share your opinion. The poll questions are pinned for easy reference and your vote is anonymous. 

We look forward to hearing your thoughts on today’s topic!

💬 What are your views on the efforts to manage healthcare cost through changes to the Integrated Shield Plan?

Thank you.

Megan 😊

365, [28/11/2025 11:04 am]

But the rider is optional, if you do not want the extra cost of burden, you can opt not to add on

365, [28/11/2025 11:04 am]

I feel this is taking away from consumers who are willing to pay more to feel extra secure

Nicholas, [28/11/2025 11:06 am]

Are there statistics to support this approach? From what I've seen, the premiums go down only slightly despite the need for us to co-pay. So we end up paying almost the same except that we also need to co-pay for hospital bills, and are restricted to only doctors who are on a panel.

Nicholas, [28/11/2025 11:07 am]

Feels like I'm paying the same for less coverage. Benefits the insurer rather than the end consumer.

365, [28/11/2025 11:07 am]

From how I see it, rider (optional) = additional premiums paid = more benefits and coverage, which I think isn't wrong.

If you do feel that you are fine with more co-pay and want less premiums, then the option is to opt out of the riders no?

365, [28/11/2025 11:16 am]

"While patients will pay more when they are admitted to a hospital, this will generally be offset by lower premiums each year, so they end up paying less overall", this is so flawed when you can do the exact same thing by not opting for the riders, thus paying less premiums but pay more if admitted to a hospital.

"It will increase cost discipline over minor episodes, and reduce overservicing and overconsumption associated with non-essential hospital admissions or treatments", but this change also cause collateral damage to the major episodes and essential hospital admissions and treatment.

If they want to proceed with the change, I think they should spare the effort to segregate and classify what is minor and what is major, and then keep the minimal co-payment requirements for the major ones.

Daniel, [28/11/2025 11:19 am]

Yes, that is true in principle. But the problem is that the rider only covers copayment and deductible. But if people with riders use more services (as the articles seem to imply, and which also makes sense, since it's free), this will also mean more claims on the base plan. This then means higher premiums for everyone, including people without rider, because in insurance the premium is calculated to cover everyone's claims.

The "fairer" option would be to charge different base IP premiums based on whether people have rider or not (and based on the statisticl claim history of those groups). I think not many people would agree with that, hence the option they are proposing seems a good alternative.

G, [28/11/2025 11:20 am]

Feels more like punishing patients 

Why not tackle the source of the problem?

High prices of drugs

High prices of doctors fees

High prices of treatment

Clinical sales techniques that try to sell more and more expensive treatments that the patient doesn't need

365, [28/11/2025 11:34 am]

That option is just making the rider more expensive. I think that is fine depending on the magnitude of the increase. Now the change is just limiting options for people.

I understand their rationale to prevent overconsumption, but approaching it this way just turn those that really need the additional coverage into collateral damage, thus the suggestion to classify and segregate the copay requirement for minor and major episodes.

365, [28/11/2025 11:35 am]

Prevent misuse for minor episodes, so increase copay for those, then keep, or maybe even decrease copay requirement for major episodes.

Adam, [28/11/2025 11:57 am]

So if we have minor episode just dont go doctor?

Adam, [28/11/2025 11:58 am]

Maybe we can become like america where people dont call ambulance

Adam, [28/11/2025 11:59 am]

Btw speaking of overconsumption, our ambulances are free. Paid for by the sweat of our nsf and the pockets of taxpayers

Adam, [28/11/2025 11:59 am]

If we can implement copayment for hospitals, why not copayment for ambulance?

Adam, [28/11/2025 12:00 pm]

Or maybe our dear nsf medics can just be paid by the honor of serving the nation. Throw in a medal too

Adam, [28/11/2025 12:03 pm]

Or if we want to make healthcare as cheap as our ambulance, we can create a large pool of people to serve the country in healthcare

Jun Ming, [28/11/2025 12:04 pm]

This episode makes me wonder if those private hospital plan and eci which one should you take to save money

Adam, [28/11/2025 12:05 pm]

Die save most money. Depending on treatment dunno if you increase quality of life or prolong suffering

Adam, [28/11/2025 12:07 pm]

Lots of seniors have million dollar property cannot take beyond grave. Maybe they can do reverse mortgage to pay healthcare to burden the subsidised healthcare system less

365, [28/11/2025 12:11 pm]

Unironically this is true. Everyone have a different expectation and standard to the quality of life they want, and I think they should be allowed to opt for euthanasia if their bodies can no longer provide the quality of life they want.

It's a win for both sides, the patient being able to finally be free from pain and suffering, instead of surviving like a mindless zombie, on the other hand, medical resources are freed up and available for those who need and want them.

Daniel, [28/11/2025 12:53 pm]

Unless it becomes an expectation. That people will chose that option in order not to be a burden and not to avoid suffering.

365, [28/11/2025 1:01 pm]

I think it's not ideal to deny ideas based on worse case scenarios, but this is a whole other topic so I won't dive further.

RY, [28/11/2025 1:31 pm]

Premiums & Riders are increasing over the years 

The increase of co-payment fm 3K to 6K is almost double  - that is significant

As some people not working, their Cpf/Medisave not that much 

Whether it is overconsumption eg scans are suggested by pte Dr and not patients solely 

Hope the existing holder with deductible rider remains and not affected

RY, [28/11/2025 1:34 pm]

Hope pte insurers with IP will lower the premiums ultimately

Jun Ming, [28/11/2025 1:48 pm]

I did not buy those insurance plan because lack of money

Jun Ming, [28/11/2025 1:48 pm]

Cause I understand I already have medisheild

Joomua Tng, [28/11/2025 1:50 pm]

th increase in premium is partly due to the abuses of the previous private integrated medishield plan where there are riders that covers both the deductibles and copayment which ended up the insurance companies paying for 100% of the hospitalization cost. so the people and doctors will go for unnecessary scanning medical checkup, mri, ct scan etc...

all these cost is taken up by the insurance companies. the initial idea of 100% coverages with the inclusion of rider is to help the people...but it get backfire because of abusing of the 100% coverage plan. that result in the increase of insurance premium due to unnecessary tests

Jun Ming, [28/11/2025 1:50 pm]

So for new policy you only need to pay maximum 6k

Jun Ming, [28/11/2025 1:51 pm]

In lay man term

Jun Ming, [28/11/2025 1:51 pm]

As quite confusing

Joomua Tng, [28/11/2025 1:53 pm]

it is not that the insurance companies are unethical...it is the people who abusing it causes the premium to increase.  resulted in those people who needed it and get the most help from such insurance plan unable to enjoy the benefits it brings due to abuse of the plan by those who are not vulnerable and needed it less

Nicholas, [28/11/2025 1:55 pm]

Does it mean i've to pay the first S$6k of the bill and insurer will cover after? So if the bill is S$5k, a) I've to bear the full amount OR b) I only pay 5% i.e. S$250 and insurer bears the rest. I feel b) is fine but a) isn't, unless the premiums drop by a huge amount, which usually isn't the case.

Jun Ming, [28/11/2025 1:58 pm]

I think is b

Jun Ming, [28/11/2025 1:58 pm]

Capped at 6k

Jun Ming, [28/11/2025 1:58 pm]

If I am not wrong?

Jun Ming, [28/11/2025 1:58 pm]

Any insurance agent here can explain

REACH Singapore, [28/11/2025 2:13 pm]

📢 Topic 📢

Joomua Tng, [28/11/2025 2:17 pm]

it is like car insurance excess.

........

it is to reduce the cost of insurance...

for that one year of insurance coverage... the insured need to pay for the first $6k of the medical cost...after that the insurance companies will cover the rest of the cost.

e.g. person A 

hospitalized in jan and it cost $5k.

hospitalized in march and it cost $20k

so the person A has to pay $6k in hospitalization bill and the rest of $19k will be bear by insurance company up to the max limit for that year, assuming the max limit is $300k.

so..the person A left $281k in the coverage..

if the person is unfortunate enough to be hospitalized a few time within that year, and the bills is $300k...

the insurance company will cover that $281 which the max coverage has reached.

thus the remaining $19k...the person A will has to pay for it

Joomua Tng, [28/11/2025 2:22 pm]

so the total bills is $325k for the year..

the person A pays $6k , and $19k (this $19k is due to the max coverage limit is reached thus the insurance company will not cover.)

while the insurance company paid for $300k of the $325k hospitalization bills..

.....this is how insurance help the people

365, [28/11/2025 2:34 pm]

But if person A hospitalized in Jan only, he has to pay the entire 5k himself or just 5% of the 5k?

365, [28/11/2025 2:35 pm]

My understanding is 5% copay until your cumulative reaches 3k (or the new 6k)

365, [28/11/2025 2:35 pm]

I guess this only really affects if your bills exceed 150k for the year then?

Joomua Tng, [28/11/2025 2:36 pm]

driving my parents to sgh medical appointment. reply later

Adam, [28/11/2025 2:39 pm]

Hospital realise they can charge a person 300k and threaten them with the alternative of death. The whole community pity the person and chip in a hundred bucks each in premium to pay the hospital.

Joomua Tng, [28/11/2025 3:25 pm]

using your questions.

assuming person A.

total hospitalization bills is $200k.

so based on $6k deductible

5% co payment.

and max of $150k per yearly renewal coverages

.....

first $6k pay by person A (deductible)

left $194k.

insurance coverage max of $150.

meaning.

$194 - $150 = $44k has to be paid by person A.

remaining $150k , co payment = 5% of $150k = $7.5k pay by person A.

the remaining $142.5 k is paid by insurance company.

so..the person A has to pay

$6k + $44k + $7.5k = $57.5k

out of $200k hospitalization bills.

Joomua Tng, [28/11/2025 3:28 pm]

the calculation is based on the underwriting and underwriter of the insurance company...they based on the claim rate of their imsured pools to decide the premium...there for for medisheild premium the premium can change year by year depending on the calim experience.

365, [28/11/2025 3:30 pm]

I think you're misunderstanding, I'm trying to lookout for how it is calculated for lower amounts, though I've gained my answer after reading the article again. If there's only 1 bill for the year and it's at 10k, I was checking if it's to pay until 6k first and the rest covered by insurance, but I've come to realize that it should be just 5% of the 10k, then cumulative until 6k before no co-payment is required (assuming there is sufficient coverage).

Joomua Tng, [28/11/2025 3:30 pm]

just like what Mr LKY said...yes.we are obssessed with profits. without profits who pays for all these.

you make profits into a dirty word and Singapore dies.

Joomua Tng, [28/11/2025 3:31 pm]

my understanding is based on generic old knowledge and plan before this new policie...

the concept and idea is about the same...

i have yet to read the new policies.

365, [28/11/2025 3:32 pm]

Since the 5% minimum co-payment is unchanged, this move on the policy will only affect those with a cumulative hospital bill of over 150k for the year

365, [28/11/2025 3:32 pm]

Because the previous copay limit is 3k, so 3k/5% is 150k. This portion does not change regardless of old or new.

365, [28/11/2025 3:33 pm]

The difference is after 150k, you still need to copay 5% for the next 150k, unlike the old one which will be fully covered by insurance, assuming your plan still has sufficient coverage.

365, [28/11/2025 3:35 pm]

I calculated wrongly, should be 60k instead of 150k

RY, [28/11/2025 3:40 pm]

This recent revision also based on assumption that patient has sufficient in Cpf Medisave to pay off the increased co-payment from 3K to 6K and the ins premiums and etc

What happen to those not working like homemaker/caregiver/handicapped/elderly/sick patient and etc, whom dont contribute to CPF ?

Will the govt help to top up their CPF for these grp of people?

365, [28/11/2025 3:40 pm]

Actually I think to prevent misuse and over servicing of minor Healthcare needs, it's better to increase copay% while keeping the limit.

Let's assume copay is 20% and limit remains at 3k, those who are misusing more than they need to will have to pay up more due to the higher copay. Those that really need it (in this example is anything more than 60k) can still receive the treatment they need without forking out more cash.

Anyone whose bill is 60k or less will have to pay more copay. The numbers are arbitrary and will have to be tweaked for optimization

Jun Ming, [28/11/2025 3:44 pm]

Let say person a got stomach bloat and go private hospital to do Scope check up.  So he need to pay the 5% and the rest being pay by insurance assuming it's less than 150k

Jun Ming, [28/11/2025 3:46 pm]

So in the end consumer lose more money or save money

365, [28/11/2025 3:48 pm]

Current case is he pays 5% of the whole bill up until 60k, and the rest covered by insurance if he has sufficient coverage.

The new one will be 5% of the whole bill up until 120k instead.

365, [28/11/2025 3:48 pm]

'whole bill' in this case is cumulative for the year

365, [28/11/2025 3:49 pm]

60k and 120k is the bill amount, the individual copay amount is 3k and 6k

Joomua Tng, [28/11/2025 3:49 pm]

fyi.

cost for heart attack hospitalization is about $110k , and this is based on estimation about 10 years or more ago.

the inflation for medical cost is about 5% to 8% yearly.

....so 60k or even 150k coverage..is ...Not enough  at all for rising medical cost and inflation..

.........

cancer treatment cost about $300k.(more than 10 years ago estimation)

excluding loss of income and daily expenses and transportation etc.

.................

365, [28/11/2025 3:50 pm]

So this just means that consumers are confirmed to pay more then

365, [28/11/2025 3:51 pm]

3k more for the year

365, [28/11/2025 3:53 pm]

Which is why I'd propose increasing copay % but keeping copay limit instead. Those that got hit with such incidents, will hit the threshold easily and continue paying 3k from themselves + medisave. Those that misuse it, maybe insisting on hospital stay when there's no need, will have to pay more due to higher copay %.

LCL (Danny 心), [28/11/2025 3:54 pm]

I will like to comment on the objectives to reform the healthcare insurance to manage its cost and whether it is beneficial to all Singaporeans :-

1. I support the reform of the health insurance to manage the runaway cost that are translated into :-

a. Higher and higher insurance premium for all Singaporeans - as the medical claims keep increasing every year.

b. Many insurance companies reported high medical claims that eat into their profit and are increasingly unsustainable :-

*Income Insurance*

Income insurance IP business shifted to a significant underwriting loss of *S$49.5 million* in 2024 due to surging claims costs, medical inflation, and a backlog of claims from 2023 that flowed into the next year. The premium adjustments made by Income in 2023 were implemented gradually and were expected to take time for their full impact to be reflected in later results.

*AIA*

AIA Group's financial results for the full year 2024 show an increase in overall operating profit, but specific information from one source indicates an *underwriting loss on health insurance* (Integrated Shield Plans) for AIA Singapore during that period.

Both Great Eastern and Prudential also indicate higher medical claims every year though they don't provide specific figures on health insurance.

To recoup the loss, Insurance industry as a whole are increasing the health premium every year - and many Singaporeans will have to pay more and more - which is unsustainable unfair to those Singaporeans that have not been claiming the medical insurance.

c. The reasons for high medical claims are due to the generous "full coverage" without the needs for claimant to fork out cash and hence :-

i. People abuse it due to "buffet syndrome" to get more treatment, more medication, unnecessary health screening etc.

ii. Hospital (specifically) private ones overservicing driven by profit and patients willing to be abuse for hospital treatment and screening as they do not need to pay - as they will be covered by insurers.

Hence stopping such runaway healthcare cost and stopping the abuse from ""buffet syndrome" become necessary.

Hence I strongly support the Government effort to cap the rider coverage and increase the co-payment.

This will inject sanity into patient seeking medical treatment - to get treated when necessary and not abuse it so that our healthcare cost can move into a sustainable trajectory.

Daniel, [28/11/2025 3:55 pm]

There's an interesting website by MOH (search for Bills and Fee benchmark). You can search for a condition and it will tell you the range of cost by hospital.

Adam, [28/11/2025 4:01 pm]

I think the fees table can be expanded upon. They should hire a ux engineer to help make the data better for people

Adam, [28/11/2025 4:01 pm]

Some things are too granular, like you wont be searching for it until the doc say you have that specific problem

Daniel, [28/11/2025 4:02 pm]

Yeah, it's not easy to find the data without medical knowledge. I found it useful when choosing a maternity hospital though.

Daniel, [28/11/2025 4:02 pm]

Like I wanted to check heart attack as mentioned above, but I have no idea what category that goes under.

Adam, [28/11/2025 4:03 pm]

Like if i know heart attack runs in the family but dont know the particular operation, its hard to gauge the exact needs. Furthermore some data points are absent due to low sample size

Jun Ming, [28/11/2025 4:03 pm]

But isn't the doctors decide what type of treatment. So I don't get where's the buffet syndrome from

Joomua Tng, [28/11/2025 4:03 pm]

the hear attack and cancer  cost is from people and insurance company sharing......

i no need to know the exacy figure..for a rough estimation based on $110k and $300k..

it is not difficult to estimate how much it cost today..

Adam, [28/11/2025 4:03 pm]

In addition to the fees table, they should include how many percent of population it affects

Adam, [28/11/2025 4:04 pm]

Insurance wanna scare you with million dollar bills that might happen 0.01%

365, [28/11/2025 4:04 pm]

As that may be the case, but this is a very brute force and not well thought out solution to the problem. Identify what are the unnecessary consumption, such as health screening as you mentioned.

Seperate them out and increase their copay % or limit, while still providing the same assurance and protection for the others. No one is going to have a heart attack just to abuse the system.

Maybe even for health screening as an example, can limit to just once per year.

Provide a more granular and holistic solution rather than just punish the whole platoon for some soldiers.

LCL (Danny 心), [28/11/2025 4:04 pm]

Simply the objectives of the reform are to :-

1. Stop abuse from unnecessary treatment in a buffet style.

2. Prevent some patients from repeated claims on unnecessary treatment - and let the majority of non claimants to subsidize them resulting in higher and higher insurance costs as they don't need to pay out of pocket.

Adam, [28/11/2025 4:04 pm]

Do we really need big protection for minute odds or might as well spend money enjoying life?

LCL (Danny 心), [28/11/2025 4:06 pm]

Eg. Go to public hospital, they will prescribe CT scan - few hundred $ - and CT scan will suffice.

Go to private hospital, they will prescribe MRI scan costing few thousands $ - over servicing.

Adam, [28/11/2025 4:07 pm]

I think best way to reduce cost is allow insurance and subsidy for going to overseas like malaysia for healthcare

Adam, [28/11/2025 4:09 pm]

There is a fear that quality of healthcare is worse, but we have to weight the cost

LCL (Danny 心), [28/11/2025 4:09 pm]

No Singaporeans taxpayer money should be used to subsidize people who want to go for overseas treatment.

They should pay their own pocket money to do so.

Adam, [28/11/2025 4:10 pm]

Why? All singaporeans pay into the system? Are not all entitled to withdraw

LCL (Danny 心), [28/11/2025 4:10 pm]

If migrate then you can take out your own money.

Adam, [28/11/2025 4:11 pm]

Its not migration. Is medical tourism

365, [28/11/2025 4:11 pm]

This don't really solve the issue. The issue now is the thought if "since I don't need to pay so much, might as well consume". It's like seeing a black Friday sale and buying everything even if you don't need it.

The perceived better quality of singapore's Healthcare means they rather claim the "free" Healthcare in Singapore than Malaysia.

LCL (Danny 心), [28/11/2025 4:11 pm]

Then use your own money for tourism.

Adam, [28/11/2025 4:12 pm]

Your gst voucher also sometimes go holiday right? Or even buy china stuff. Not like 100% support local

Adam, [28/11/2025 4:12 pm]

If you like local so much, go buy the vege from local instead of china. 5x the price

Adam, [28/11/2025 4:14 pm]

Healthcare is inevitable. Just like food. Singapore has to provide. Would you rather all healthcare be provided locally at expensive rates or let some foreign?

Adam, [28/11/2025 4:15 pm]

If we treat it like bread and butter, we can make rice locally at 10x the cost

Adam, [28/11/2025 4:15 pm]

Better for stability, higher quality, strong economy

LCL (Danny 心), [28/11/2025 4:15 pm]

You can use your own pocket money to go overseas treatment for cheaper price.

I don't think anyone will object.

Just that don't use our taxpayer money such as subsidy which is meant for our domestic economy.

Adam, [28/11/2025 4:15 pm]

Wanna pay for expensive veggies?

LCL (Danny 心), [28/11/2025 4:16 pm]

Oh I consume both local vege produce and imported vege.

Adam, [28/11/2025 4:16 pm]

Our domestic economy is artifically inflated by these subsidies

Adam, [28/11/2025 4:17 pm]

People do buffet syndrome locally since if they dont, they are 'wasting' tax paid medical care

LCL (Danny 心), [28/11/2025 4:18 pm]

The income you earned in Singapore also very high, much higher than people in ASEAN.

LCL (Danny 心), [28/11/2025 4:18 pm]

That is why must stop the abuse.

Adam, [28/11/2025 4:24 pm]

Yeah singaporeans make a alot of money that they splurge overseas.

So lets say we have NO subsidy for goin overseas. Fine.

But CPF Medisave is MY money right? Why cant i use MY money for MY medical treatment anywhere?

LCL (Danny 心), [28/11/2025 4:26 pm]

CPF Medisave received periodic top up from government taxpayer money.

Interest received annually also from government taxpayer money.

LCL (Danny 心), [28/11/2025 4:26 pm]

And CPF scheme is for domestic economy - not for overseas spending.

Jun Ming, [28/11/2025 4:26 pm]

But patient usually don't have a say in choosing treatment method

LCL (Danny 心), [28/11/2025 4:27 pm]

That's why public hospitals are very professional and honest.

They don't over service.

Adam, [28/11/2025 4:29 pm]

We cannot take everything as domestic. Singapore cannot survive on isolation. We dont want to be isolationist like usa

Adam, [28/11/2025 4:30 pm]

I use my cpf oa for buying us etfs

Adam, [28/11/2025 4:30 pm]

If cpf was 100% domestic we can only buy singapore stock

LCL (Danny 心), [28/11/2025 4:30 pm]

Well our policy is 1st domestic focus, then look outward for growth.

LCL (Danny 心), [28/11/2025 4:31 pm]

This is investment not expenditure

Adam, [28/11/2025 4:31 pm]

Maybe our gov can buy land in johor to build nursing homes

Adam, [28/11/2025 4:31 pm]

Cost less than importing ton of labour and housing in cramped space

LCL (Danny 心), [28/11/2025 4:31 pm]

This is sovereign issue.

LCL (Danny 心), [28/11/2025 4:32 pm]

You could trigger an unnecessary cross border uproar.

LCL (Danny 心), [28/11/2025 4:33 pm]

China investment in building a big plot of land in JB force to jettison because of political uproar.

Adam, [28/11/2025 4:34 pm]

Our politicians expert im sure they can negotiate something. We already making power link to australia. Is solar farms in australia a sovereign issue?

Adam, [28/11/2025 4:34 pm]

If whenever we suggest a cross border project are we just gonna shut it down cos scared to talk?

LCL (Danny 心), [28/11/2025 4:35 pm]

No upside for us.

Easier for people who want lower cost of living to just buy a house there and spend there.

Should not use our taxpayer money.

Adam, [28/11/2025 4:36 pm]

Everthing foreign have risk. Have to accept. Im pretty sure there is some strain from the foreign maids we have

Adam, [28/11/2025 4:36 pm]

If we want to cut the foreign risk. Stop have foreign domestic workers

Adam, [28/11/2025 4:37 pm]

Or foreign workers in general. They always get abused. What if philipines or bangaladesh starts a war?

Adam, [28/11/2025 4:37 pm]

We have to get foreigners to cut down cost. Everywhere from childrearing to construction.

Adam, [28/11/2025 4:37 pm]

Is healthcare an exception?

Adam, [28/11/2025 4:38 pm]

Gov spends so much build hdb, why doesnt it support local economy 100% like cpf. Why get foreign labor?

LCL (Danny 心), [28/11/2025 4:39 pm]

You want to work as construction workers?

Adam, [28/11/2025 4:40 pm]

Actually i want it all replaced by robots and ai

Adam, [28/11/2025 4:41 pm]

We see shoddy construction anyway because there isnt a culture that encourage quality work

Adam, [28/11/2025 4:44 pm]

Singapore too expensive and overloaded. I think it just too much to subsidize people for small space.

You see the gov say dont waste resources for minor issue but reality is, people will want to maximise squeezing the buffet

LCL (Danny 心), [28/11/2025 5:28 pm]

After note:-

Total market capitalisation in Singapore Stock Exchange (SES) is $899 billion.

Figures pertaining to GLCs are unavailable. However, GLCs form the largest shares of market capitalisation in SES.

Hence, my estimate of $200 billion to nationalise GLCs is a very conservative figures.

----

Source:- Google AI

There is no single, publicly available total asset value for all Government-Linked Companies (GLCs) in the Singapore stock exchange, as GLCs are a diverse group of publicly traded companies with varying asset bases. However, reports indicate GLCs collectively accounted for approximately 23% of the assets of the largest 500 firms, or around 24% of the stock market's total capitalization in a 2006 study, though this percentage has likely changed since then. To get a sense of the scale, the total market capitalization of all listed companies on the Singapore Exchange was approximately S$899 billion in February 2022. 

GLCs are not a monolithic group: They are a diverse set of publicly traded companies where the government holds a substantial stake.

Asset breakdown: As of a 2006 study, GLCs accounted for about 23% of the assets of the top 500 firms, and roughly 24% of the total market capitalization of the Singapore stock exchange.

Total market capitalization: The total market capitalization of all companies on the Singapore Exchange was approximately S$899 billion in February 2022.

Individual company data: The total value is not reported in a single figure, but you can find the net assets of individual GLCs through their financial reports. 

====

REACH Singapore, [28/11/2025 6:01 pm]

📢 Topic 📢

REACH Singapore, [28/11/2025 6:45 pm]

Dear Contributors,

⏰ We will be closing the chat in 15 minutes ⏰

Thank you very much for being part of our Telegram chat and participating actively.

Goodnight!

Megan 😊

REACH Singapore, [28/11/2025 7:01 pm]

Dear Contributors

We will be closing the chat for today.

Thank you very much for being part of our Telegram chat and participating actively.

Goodnight!

Megan 😊

====

明心自问 - 中国和日本的纷争

27 Nov 2025

https://vt.tiktok.com/ZSfmvJf57/

1。明心自问。
2。做人有量度吗？
3。能放下仇恨，与大局为重吗？
4。能发出内心以每个国家，人民和平共处，附惠附利吗？
5。 人文修养 在哪个境界 自己知道。不是装出来的。
---
1。这麽爱记仇，这麽爱斗，不如天天找人打架闹事。
2。能交真正的良友才怪。
3。整天是非人我，没有一天安宁。
4。会做事的人，整天造福人群。
5。爱小气闹事的人，天天暗无宁日。不觉的累吗？
---
朋友满天下。
敌人无一个。
这是我们的理念。
你做不到是你的肚量。
你们没有阻止我们发言的权利。
不是教你们怎样做事做人。
是说我们怎样做事做人。
你们天天要点火头要打要杀是你们的事情。
不要把国际弄的世界大乱 - 害人害己。
人类身命短暂，我们还要好好的活着 不要惹事生非。
---
国际贸易局势严峻，民不聊生。
把当务之急是把局势降温，大事化小。不是把火头越弄越大。
----
1。劝你放下成见，从好处出发，才能扩大你的国际空间，成长，交更多良友。

----
1。劝你放下仇恨，把视野放大，才能在国际舞台扩大，大展宏图，为人民谋福利，结交更多朋友，对你的成见改观，到处受欢迎。这才是你的良友。
2。巴结讨好你，要你动武结仇来迎合你，惹事生非的，正是你的损友。你的国际空间越缩越小，到处惹人厌。这是你要的结果吗？

----
1。 一个能劝你放下仇恨，不为过去说束缚。放开胸怀，放眼世界，才能扩大国际空间，大展宏图，替人民谋福利。这才是你的良友。

2。一个只会巴结你讨好你的，劝你结仇报复，你就会得罪很多人，寸步难移，国际空间越缩越小，对你有什么好处？这才是你的损友。

3。好坏不分，良友当坏人。损友当好人。
----

1. 不要太阴谋论。

2。只是叫你们方下仇恨，不然仇恨一直延续下去，没完没了。

3。打起仗，生灵涂炭，连我们也要陪葬。

4. 人生太短，不要一直拿仇恨当家常便饭。

----

https://vt.tiktok.com/ZSf9cPoQD/

@Babe:你如果在仔细的在看视频，你没有完全领悟王总理的谈话含义。

1. 他说台湾独立 - 是中国的红线中的红线 - 新加坡不支持。。

2. 但被问日本总理的发言有没有失言 - 王总理说“她已经讲出来了 - 没办法收回去。“

3. 王总理的意思很明显 - 他认为 日本总理的发言 不妥 - 但是我不是她的军司 - 不能判断 她的发言 因不因该。

4. 王总理下一个发言 - 说新加坡和 ASEAN 已经放下 - 目的是希望中国降温 - 因为 日本 有悔意 而派了大使来调停。

5. 王总理和内阁 跟 中国 领导 的关系 很密切。高官时长交流和交换意见。没有大抵触。

----

@Babe:1. 换句话说，如果让事情越来越严重 - 你支持出兵开战吗?

2. 你或你的儿子准备上前线吗？

3. 日本需没中国的军力这样强大 - 也能两败俱伤。

4. 你要这样的结果吗。

5. 忽然变成第三次世界大战 - 你负责吗？

6. 意气用事很容易，冷静处理事情，降温很难啊。

----

@Babe:为什么没有中国高官来更正王总理的发言呢？

应为中国官方明白王总理的含义。

你们不明白 - 断章取义。

以小人之心度君子之腹。

----

Quantum explanation and proof of Universal Law of Karma.

 22 Nov 2025

[22/11, 4:48 pm] ☸️  Danny 心: Quantum explanation and proof of Universal Law of Karma.

[22/11, 4:50 pm] ☸️  Danny 心: Inner thoughts manifest into external reality.

大地万法唯心造。

由因缘生。

由因缘灭。

----

Source :- DeepSeek 

Of course. The term "Quantum Law of Return" is not a formal, established law in quantum mechanics like the Schrödinger Equation or the Heisenberg Uncertainty Principle. Instead, it's a powerful and intuitive metaphor used to describe a fundamental phenomenon in quantum physics, most commonly associated with the "Quantum Zeno Effect."

Here’s a breakdown of what it means, where the term comes from, and the science behind it.

The Core Idea: The Metaphor

The "Quantum Law of Return" suggests that a quantum system, when repeatedly observed or measured in its initial state, is "pushed back" or "forced to return" to that starting point. It's as if the system is not allowed to evolve naturally because it's constantly being asked, "Are you still here?"

A simple analogy:

· Imagine a freshly baked apple pie cooling on a windowsill.

· The "natural evolution" is for the pie to cool down.

· If you constantly open the oven door to check if it's still hot (i.e., "measuring" its temperature as "hot"), you let cold air in and actually slow down the cooling process.

· In the extreme quantum case, if you check incessantly, the pie never cools at all. It's forever "returning" to its hot state upon each measurement.

---

The Scientific Principle: The Quantum Zeno Effect

The metaphor of the "Law of Return" is describing the Quantum Zeno Effect.

1. Unobserved Evolution: A quantum system, like an atom in an excited state, will naturally evolve over time. For example, an excited atom will eventually decay to a lower energy state, emitting a photon. This evolution is probabilistic and governed by the Schrödinger equation.

2. The Effect of Measurement: In quantum mechanics, a measurement doesn't just passively read a property; it actively forces the system into a definite state (an eigenstate). This is the infamous "wave function collapse."

3. How "Return" Happens: The Quantum Zeno Effect occurs when you perform a series of rapid, repeated measurements on a system to see if it's still in its initial state (e.g., "Is the atom still excited?").

   · Immediately after the first measurement confirms the atom is excited, its probability to decay is very small (proportional to (time)² for very short times).

   · If you measure again before this probability has a chance to grow significantly, you are overwhelmingly likely to find it still in the excited state.

   · Each time you do this, you "reset the clock" of its evolution. The system is constantly collapsed back into its initial state, effectively freezing its natural evolution.

In essence: Frequent measurements inhibit transition. The system is "returning" to its starting point because you won't let it be anything else.

---

Where Did the Term "Quantum Law of Return" Originate?

The term was popularized by Professor Ronald Hanson and his team at the Delft University of Technology in the Netherlands, around the time of their groundbreaking quantum entanglement experiments (2015).

They used this evocative name to describe their experimental procedure for creating high-quality entanglement between electron spins in diamonds. They would repeatedly "check" the state of the electrons, and if they found one had strayed from the desired initial condition, they would apply a corrective pulse—enforcing the "law of return." This technique dramatically improved the fidelity and success rate of their entanglement generation.

It's a brilliant piece of scientific branding—it takes a complex quantum concept (the Zeno effect and active feedback) and gives it an intuitive, memorable name.

---

Key Distinctions and Related Concepts

· Quantum Zeno Effect vs. Quantum Law of Return: The "Quantum Zeno Effect" is the formal name for the physical phenomenon where observation suppresses evolution. The "Quantum Law of Return" is a more recent, applied, and metaphorical name for using this principle (often with active feedback) in quantum information processing to maintain a system in a desired state.

· It is NOT the "Law of Attraction": This is a crucial point. The "Quantum Law of Return" is a real, experimentally verified physical effect. It is not the philosophical or spiritual "Law of Attraction," which suggests that thoughts can directly influence reality. While both use the word "return," they are fundamentally different concepts—one is a rigorous scientific principle, the other is a belief system.

Summary

Aspect Description

Formal Name Quantum Zeno Effect

Metaphor "Quantum Law of Return"

Core Idea A quantum system that is frequently observed or measured in its initial state has its natural evolution inhibited and is effectively frozen in that state.

Mechanism The act of measurement collapses the wave function, resetting the system's evolutionary "clock."

Practical Use Used in quantum computing and information to stabilize qubits, correct errors, and improve the fidelity of quantum operations.

In short, the "Quantum Law of Return" is a powerful and descriptive label for the very real quantum phenomenon where watchfulness begets stability.

----

Source:- DeepSeek 

Of course. The "Law of Reversibility" is a concept that appears in different fields with distinct meanings. It's crucial to distinguish between its use in physics (particularly thermodynamics) and its more metaphorical use in personal development and philosophy.

Here’s a detailed breakdown.

---

1. In Physics and Thermodynamics

In the hard sciences, the Law of Reversibility is a fundamental principle, but it's more of an idealized concept than a true "law" that holds in the real world.

Core Idea:

A process is reversible if it can be run backward in time, retracing every step of its path, and return both the system and its surroundings to their exact original states without any change. It's a state of perfect equilibrium at every infinitesimal step.

Key Characteristics of a Reversible Process:

· Infinitely Slow: The process must be carried out so slowly that the system is in equilibrium at every single moment.

· No Dissipation: There must be no energy lost to friction, viscosity, inelastic deformation, or electrical resistance.

· No Uncontrolled Expansion: There must be no sudden pressure differences.

· It's an Idealization: True reversible processes do not exist in reality. They are theoretical constructs used to establish a benchmark for the maximum possible efficiency.

Examples:

· Frictionless, Quasi-Static Compression: Imagine a piston in a perfectly insulated cylinder with no friction. If you compress the gas inside by adding infinitesimally small grains of sand to the piston, you can reverse the process by removing one grain of sand at a time. The system and surroundings return to their initial states.

· Ideal Pendulum in a Vacuum: A pendulum swinging in a complete vacuum with frictionless pivot would be a reversible process, as it would swing forever.

Contrast with Irreversible Processes (The Real World):

All real-world processes areirreversible. They involve:

· Friction: Generating heat that cannot be fully converted back to work.

· Unrestrained Expansion: Like a gas rushing into a vacuum.

· Heat Transfer: Across a finite temperature difference.

· Mixing: Of different substances.

The Second Law of Thermodynamics states that the total entropy (a measure of disorder or energy dispersal) of an isolated system always increases over time. Irreversible processes create entropy, while reversible processes would keep entropy constant. This is why you can't "unburn" a log or "unmix" cream from coffee without doing more work than you gained.

---

2. In Personal Development, Psychology, and Philosophy

This is a metaphorical and psychological principle, not a scientific law. It is powerful and widely used in self-help, goal-setting, and manifestation circles.

Core Idea:

The Law of Reversibility states that "feeling follows action." In other words, you don't need to feel motivated or confident first to act. If you perform the actions of a person who is motivated, confident, or successful, the corresponding feelings and mindset will eventually follow.

It reverses the assumed cause-and-effect relationship.

· Common Belief: Feeling → Action (e.g., "I need to feel motivated before I can work out.")

· Law of Reversibility: Action → Feeling (e.g., "If I act like a motivated person and work out, I will begin to feel motivated.")

How It Works:

This is backed by psychological principles like:

· Self-Perception Theory: We infer our own attitudes and emotions by observing our own behavior.

· Cognitive Dissonance: Our mind seeks to align our beliefs with our actions. If we act confidently, our mind will work to adopt a confident self-image to reduce the dissonance.

· Behavioral Activation: Taking positive action, even when you don't feel like it, interrupts negative emotional cycles (like depression) and creates positive momentum.

Examples:

· Confidence: Don't wait to feel confident to speak in public. Act as a confident person would (stand tall, speak clearly, prepare thoroughly), and the feeling of confidence will grow from the action.

· Success: To become successful, start by acting, thinking, and dressing like the successful person you wish to be. The "state of being" will follow the "state of doing."

· Happiness: If you are sad, forcing yourself to smile (the action) can actually trigger neurochemical responses that improve your mood (the feeling).

---

Summary and Key Distinction

Aspect Law of Reversibility in Physics Law of Reversibility in Personal Development

Nature A theoretical, physical principle. A psychological, metaphorical principle.

Core Idea A process that can be perfectly undone, restoring the initial state of the system and surroundings. Action precedes and generates feeling. You can reverse the usual emotional cause-and-effect.

Practical Reality Impossible to achieve perfectly; all real processes are irreversible. Highly actionable and practical for personal change and goal achievement.

Governing Law Second Law of Thermodynamics (entropy increase). Principles of Cognitive Psychology and Neuroscience.

In conclusion, the "Law of Reversibility" has two very different meanings. In physics, it describes a perfect, unattainable equilibrium. In personal development, it is a powerful tool for change, stating that you can act your way into a new way of thinking and feeling.

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REACH (Telegram) 109 - What are your views on efforts to boost senior employment?

(SK)

19 Nov 2025 (10am - 7pm)

REACH (Telegram)

REACH Singapore, [19/11/2025 9:45 am]

Dear Contributors,

Welcome Back! 😊

⏰ We will be opening the chat from 10am to 7pm today. ⏰

House Rules (short version of our Terms of Use) to keep in mind:

1. Be kind and respectful. We all want to be in a safe space to share our views.

2. Any and all threatening, abusive, vulgar or racially, religiously and ethnically objectionable content is prohibited.

3. Consider the quiet ones among us and give them a chance to comment.

4. No need to repeat your comment or in different forms (including caps) - we heard you loud and clear the first time.

5. Let's protect each other's privacy and keep contact details in this group what it should always be - confidential.

Full set of Terms of Use: https://www.reach.gov.sg/Participate/reach-telegram-group/REACH-Telegram-Group-Chat-Terms-of-Use/

We will strive to uphold these rules to ensure this is a safe space for all.

Please be assured that the points made by participants during the chat are aggregated and shared with relevant agencies.

The topic will be posted shortly.

Thank you.

Megan 😊

REACH Singapore, [19/11/2025 10:00 am]

📢 Topic 📢

The Alliance for Action on Empowering Multi-Stage Careers for Mature Workers (AfA-EMW) was officially launched on Monday (17 Nov), and will provide funding support to 32 organisations trialling solutions to boost senior employment in Singapore in the coming months. These organisations will test approaches like fractional work, traineeships and training tailored for senior workers.

Senior Minister of State for Manpower Koh Poh Koon said "The prototypes developed by these organisations will provide us with valuable insights and practical solutions. Where feasible, we hope to share and scale it across different sectors".

💬 What are your views on efforts to boost senior employment?

📌 Need for a fundamental shift in mindset

Dr Koh, the co-chair of the tripartite work group on senior employment formed earlier this year, pointed to the profound demographic shift Singapore is undergoing. Dr Koh said "Beyond existing broad-based policies, we move now to empowering organisations and workers to harness the strengths of senior workers and help workers fulfil their career aspirations," and called for a “fundamental shift in mindsets".

📌 Prototypes Being Rolled out

▶️Fractional work

Fractional work involves seniors offering offering specialised skills on a part-time basis, at a fraction of the time of a full-time employee. The Association of Small and Medium Enterprises is developing a fractional talent model to help SMEs engage senior professionals on a part-time or project basis, while caregiving platform Homage will trial a pathway to recruit, train and deploy 275 professionals aged 40 and above as care aides and teaching assistants. This will involve redesigning full-time roles into fractionalised positions and encouraging social service agencies to hire mid-career workers.

▶️Traineeships and internships

Air cargo handler and caterer SATS is developing part-time internships for mature professionals to re-enter the workforce. SBS Transit will also be exploring a 12-month traineeship programme that exposes mid-career candidates to bus captain and bus operations roles before considering them for permanent positions.

▶️Flexible work arrangements

Transport provider Tower Transit is designing a rostering policy for bus captains aged 63 to 74 that gives them a balance of regular and less physically demanding shifts. It is also developing a "dual vocation" model for older bus captains to alternate between driving and less physically intensive work. On top of this, Kampong Kapor Community Services is targeting a gig work programme for social service professionals aged 40 and above which will involve re-engaging experienced social workers and counsellors through gig roles.

Multinational corporations like chipmaker Micron Technology and HSBC are also among the participants. The programme will feature targeted outreach, structured onboarding and mentoring for these workers.

👉https://www.channelnewsasia.com/singapore/senior-mature-workers-employment-jobs-fractional-work-5472106

----

Daniel, [19/11/2025 10:05 am]

I think this is a great initiative. If done correctly, it could help young seniors to stay active and involved while staying financially independent and also allows to alleviate labour shortages and reliance on foreign workforce.

I think the main challenges is to ensure that these seniors remain properly remunerated (not just using this as an opportunity to downgrade people's salary on retirement age for no reason) and to make sure that this doesn't create pressure on seniors staying employed when they'd rather retire. (Has to be voluntarily, it should remain possible and financially viable to retire)

365, [19/11/2025 10:10 am]

Additional options are always welcomed. As long as the renumeration is reasonable and commensurate to the efforts of the work (not being taken advantage of), I don't think there's any downsides.

For those that want to rest and relax at the advanced age, they can continue to do so.

For those that still want to remain active but at a less demanding role, this may be a viable path.

For others that still want to continue their higher paying employment, this isn't taking anything away from them.

Jun Ming, [19/11/2025 10:12 am]

I love this initiative. But hope those training can treat trainee with respect

And don't look down on them based on their age

REACH Singapore, [19/11/2025 11:00 am]

[ Poll : I am confident that the initiatives will support senior workers in contributing meaningfully to the workforce. ]

- Strongly Agree

- Agree

- Neutral

- Disagree

- Strongly Disagree

REACH Singapore, [19/11/2025 11:02 am]

Dear Contributors,

Please take a moment to participate in our polls and share your opinion. The poll questions are pinned for easy reference and your vote is anonymous.

We look forward to hearing your thoughts on today’s topic!

💬 What are your views on efforts to boost senior employment?

Thank you.

Megan 😊

LCL (Danny 心), [19/11/2025 11:08 am]

1. I feel that the initiative to offer such programme to senior workers is a good initiative.

2. Reasons being, senior workers who want to continue to work at a pace that they are comfortable with, can continue to do so and continue to earn a reasonable income.

3. For new skills, the senior workers can learn through the internship, traineeship and yet earn a reasonable income.

4. Time Tested wisdom, knowledge that won't change through time or technology disruption can be passed down to the younger generation - so that younger generation won't have to relearn the wheel or worst make terrible mistakes that would have been avoided.

5. Industries who need workers can tap on this senior workers to grow their business and will not be let down by the unavailability of workers to grow their business.

6. In particular, engaging senior workers based on projects will be a good move as business only pay when the project is on and senior workers can contribute their efforts when the project is on.

Once completed the project, business can disengaged and save cost while senior workers can take a good rest before taking up another one when they have rested.

LCL (Danny 心), [19/11/2025 11:16 am]

7. But the crux is, how to shape such senior workers programme into a pool so that it is easy for senior workers to opt in and opt out on a project basis?

8. Wonder will a mobile app per industry similar to Grab app be useful for workers to check in and flag themselves as available for a project job be useful for the respective industry to engage such senior workers like those Grab delivery or private hire - make such engagement easier?

9. When senior workers decided to take a rest, through the mobile apps, flag themselves as not available for the time being.

LCL (Danny 心), [19/11/2025 11:31 am]

I wish to emphasize on point 4, to pass down time tested knowledge and wisdom so that younger generation won't make terrible mistakes or reinvent the wheel that could have serious implications to the Economy and the Country well being.

1. In the last topic, re-Nationalisation of public goods and services was raised.

2. But the consequences of Nationalisation is very serious for the following reasons:-

a. Singapore Stock Exchange (SES) is mainly fronted by GLCs. If GLCs are re-Nationalise, SES will be paralyzed and can even be dysfunctional.

b. Re-Nationalisation means Government need to use taxpayers money to buy out all the shares in the SES that can run up to hundred of billions of $ and pay to private investors. Where do the government get the money from? By levying more taxes eg. GST, income tax, corporate tax etc on the citizens? Or force Temasek Holdings to sell all the GLCs - and our Sovereign reserves sink, NIRC earnings shrink - and we have to further pay more taxes to compensate for the revenue lost through lower NIRC earnings?

c. And Singapore GDP could shrink from the current $500-600 billion to $100 billion back to the 1970s - 1990s before we move from Nationalisation to Privatisation converting State Run Enterprises into GLCs.

3. Hence I feel that time tested knowledge and wisdom of the senior workers must not be lost and properly passed down to the younger generations.

4. If such knowledge and wisdom are lost, younger generations could have learned very expensive lessons that our small Nation cannot afford to go through.

LCL (Danny 心), [19/11/2025 11:33 am]

After Note (about Nationalisation, what is the impact):-

Assume what WP and the oppositions say, let us revert back to Nationalisation – by converting all GLCs (that provide public goods and services) to State-Run Enterprises, what will be the implications :-

Funding – how and where to get the money to buy out all the public shares in the Singapore Stock Exchange eg. Singtel, PSA Corp, NCS, ST Engineering, Keppel Corp, Smrt , Comfort Delgro, DBS, Sembcorp, SIA, SIA Engineering, Scoots etc ?

a. Liquidate half of Temasek Holdings GLCs' assets to pay shareholders holding all these GLCs shares and delist from the Singapore Stock Exchange (about $200 billion). What will be the implications:-

SES (Singapore Stock Exchange) portfolio diminished drastically – and can no longer function as a stock exchange as the market capitalisation heavily front by GLCs. SES paralysed and could become dysfunctional as the remaining shares are SMEs or smaller values in capitalisation.

Temasek Holdings' asset values as Sovereign Fund cut by half – and the NIRC and the profit earned will be greatly reduced. Hence the half of NIRC contributing to the fiscal budget will be greatly reduced – means more taxes in the form of GST, personal income tax, corporate tax etc will be needed. We as a taxpayer will have to pay more taxes – don't know how many percentage more taxes that we need to pay to make up for the lost government revenue earned from the NIRC.

b. If financing the Nationalisation of all the GLCs are not to be funded by the liquidation of Temasek Holdings, then Government will have to make use of taxpayers money to “Nationalise” the GLCs – assume Government need to collect additional $200 billion more taxes to do that. Now with GST, personal income tax, corporate tax, NIRC, other taxes – we collect about $100 billion to finance our yearly government spendings. To finance another $200 billion to “nationalise” the GLCs, taxpayers got to pay 200% more in terms of GST, personal income tax, corporate tax, NIRC, other taxes etc for the government to collect $200 billion more --- are taxpayers willing to pay 200% more taxes? Not to mention getting CDC vouchers, GST vouchers etc ---- taxpayers will have to pay much more taxes to “Nationalise the public goods and services” with no more CDC or GST vouchers.

c. The impact to our structure of our Economy and GDP is huge – we immediately drop from a very rich country to become a 3rd world country – from 2025 back to 1990s or 1970s – this is the impact of mismanaging our Economy if WP and the oppositions play their cards to push for Nationalisation of our public goods and services.

d. In addition, all our GLCs without subjecting to market forces and market competition will fall into inefficiency – because it cannot benchmark to market competitive pricing – as these State-Run Enterprises (SOEs) will keep putting out their hands to the Government for funds year after year. How do the various Ministers determine if the funds requested by the SOEs are reasonable if there are no market competition and benchmark? Where do the Ministers get the fund from short of taxing taxpayers to pay them?

e. GLCs if nationalise cannot tender and compete for business in overseas market – whereby currently, most if not all our GLCs gain very huge revenue and profits from overseas business because Singapore domestic market is very small unlike overseas world market - then we are losing billions and billions of $ in foreign earnings.

LCL (Danny 心), [19/11/2025 11:33 am]

If revenue is not sufficient to cover expenses as domestic market is very small, prices cannot set too high as local consumers will be angry with the government, then where else does SOEs get the money from to continue to operate?

From the government by extending their hands asking Ministers to use taxpayers money to fund their operations. These lead to SOEs inefficiency - it happens to all SOEs all over the world suffering the same fate no matter how discipline and how well the SOEs are run without subjecting to market discipline, market competition and market forces.

Only North Korea are using SOEs to run public goods. Many current and previous communist countries such as China, Russia, Vietnam, East European countries have long discarded Nationalisation and convert to Privatisation or GLCs (Government Linked Companies) operate in a market economy precisely the negative impact of a SOEs.

Now our oppositions, WP want to revert back to Nationalisation of our public goods and services starting with SMRT?

Are we dooming ourselves to place our trust with the oppositions and WP?

I am surprise that WP has an Economist that work with international economic bodies – but fail to understand this very basic fundamental principles of macroeconomics – free market economy versus the impact of State-Run Enterprise (SOEs).

REACH Singapore, [19/11/2025 12:43 pm]

Dear Contributors,

We want to HEAR MORE from you.

💬 What are your views on efforts to boost senior employment?

We have had good feedback from this group, and we hope that we can keep the discussion robust and active!

Do also share your opinion by participating in our polls! The poll questions are pinned for easy reference, and your vote is anonymous.

Thank you!

Megan 😊

Jun Ming, [19/11/2025 12:45 pm]

I am interested in Dual vocation

LCL (Danny 心), [19/11/2025 12:46 pm]

Hahaha.

Good one.

LCL (Danny 心), [19/11/2025 12:46 pm]

Just curious which 2 vocations?

Jun Ming, [19/11/2025 12:48 pm]

Exactly. They say bus drivers with physically less intensive job. Interesting. But I wonder what is the 2nd vocation other than driving

LCL (Danny 心), [19/11/2025 12:49 pm]

Eg. I have several interests:-

IT, finance, policy making, security, project management, counseling, mindfulness training, religious harmony...

Wonder how to check in, check out as projects arises.

Jun Ming, [19/11/2025 12:52 pm]

Bus drivers after driving then work as security officer? 🧐

LCL (Danny 心), [19/11/2025 12:53 pm]

Hmm...

Good one.

Jun Ming, [19/11/2025 12:54 pm]

Or those that guide passengers in out bus and tell the captain to close door

LCL (Danny 心), [19/11/2025 12:54 pm]

When MRT breakdown...

LCL (Danny 心), [19/11/2025 12:55 pm]

That's why Grab like app will be a good way to flag availability for projects, or register unavailability.

LCL (Danny 心), [19/11/2025 12:56 pm]

The respective industry will be able to ascertain what are the available workers in the pool at any one time.

And senior workers can register their interest and availability in the respective industry pool.

If lack the skills, internship or traineeship or on the job training can be offered - but which means income could be lower.

REACH Singapore, [19/11/2025 2:02 pm]

📢 Topic 📢

REACH Singapore, [19/11/2025 2:03 pm]

Dear Contributors,

We want to HEAR MORE from you.

💬 What are your views on efforts to boost senior employment?

We have had good feedback from this group, and we hope that we can keep the discussion robust and active!

Do also share your opinion by participating in our polls! The poll questions are pinned for easy reference, and your vote is anonymous.

Thank you!

Megan 😊

Nicholas, [19/11/2025 2:19 pm]

Perhaps suitable jobs in government linked organisations could be identified, where priority is given to those above 60 / 55 years of age. These could be admin jobs where important work is done however career prospects are limited, that doesn't require heavy lifting or travelling. At least let those who need to, earn a decent living wage in a suitable role.

RY, [19/11/2025 2:22 pm]

I am glad to hear this new training initiatives by Govt for matured/senior workers

In fact, not only fresh graduate has difficulty in job searching amidst the world economic unstability

We also see quite many retrenchment for matured workers nowsaday due to the introduction of AI in workplace

And this grp of matured workers due to age, do have difficulty in job searching too

As most HR also look at age as 1 considering factor during recruitment as we know, though not very implicit

Govt sector shd also take the lead in recruiting matured/senior worker too

LCL (Danny 心), [19/11/2025 3:46 pm]

In fact, government can start consultancy services charging developing countries minimal prices paid by Asian Development Bank, World Bank or IMF etc to help countries like Timor Leste build up their countries from an underdeveloped Country into a developing country.

Senior workers, ex Civil servants, ex GLCs or even experience private sector senior workers can do such consultancy project works.

Eg. To help Timor Leste to setup National Computer Board, setup EDB, setup Telecom companies, set up pub equivalent, set up HDB equivalent.

Once Timor Leste is able to fully functional, it will be our very good business partner.

LCL (Danny 心), [19/11/2025 3:55 pm]

Then building SOEs for Timor Leste make sense because:-

1. They lack the right talents though their people are young. Hence need the right education to train knowledge workers.

2. Pool capital resources at national scale.

3. Build infrastructure building to start the respective SOEs being an underdeveloped Country.

Only by building up their SOEs can their economy slowly mature and grow.

Only then more and more of their workers become more and more educated.

LCL (Danny 心), [19/11/2025 4:01 pm]

Our senior workers who are experience in building up Singapore in the 1990s will then be very useful because:-

1. We are very experienced.

2. We are industry tested and deliver results.

3. We can earn income through consultancy services.

4. We help Timor Leste to build up their country like we did in 1965.

5. Soon we will earn a solid friend and trade partner when Timor Leste develop, progress and build up.

And our senior workers skills and experience will not go into waste.

As a start, our senior workers can help to develop a MasterPlan or Master BluePrint for Timor Leste.

IMF or Asian Development Bank can fund the development of these MasterPlan - and pay our senior workers here.

REACH Singapore, [19/11/2025 4:01 pm]

📢 Topic 📢

LCL (Danny 心), [19/11/2025 4:14 pm]

Eg. Let us put this hypothesis to a test.

1. Build up digital infrastructure and digital economy for Timor Leste - 1st need to build an IT Authority (eg. National Computer/Telecom Board).

2. So what type of consultants are needed?

3. OD (Organisation Development) consultants.

4. Manpower Planning Consultants to plan for IT talents for Timor Leste.

5. IT infrastructure consultants. Eg. Building Government Data centre, servers, network, cyber security, lay fiber, wireless, 5G base station etc.

6. Telecom Consultants.

7. E-commerce apps consultant (including mobile apps)

8. Finance Budgeting consultants

9. Corporate Legal Consultants

10. Mechanical and electrical engineering consultants

LCL (Danny 心), [19/11/2025 4:18 pm]

See just IT sector alone, we have identified so many senior workers jobs for Singaporeans.

And their salary can be funded by IMF or Asian Development Bank.

LCL (Danny 心), [19/11/2025 4:18 pm]

And planning the Master BluePrint Plan could be 1/2 years job.

6 months projects - not bad for our senior workers.

Assuming $5,000 per month, 6 months is $30,000 - not bad for pocket money.

Fresh graduates as junior consultants can fetch $4,500 - on par with fresh graduates pay.

Not bad.

LCL (Danny 心), [19/11/2025 4:27 pm]

1. If our fresh graduates cannot yet find jobs, they can work as junior consultants and learn on the job.

2. Experience senior workers working as Consultants can guide them and fresh graduates can learn on the jobs.

3. Timor Leste need not worry about the newest tech like AI, Quantum Computing etc. because they need the basic IT infrastructure first.

4. Senior workers Singaporeans are very experience in these (almost like closing one eye also can do type) - and can be a good trainers for our fresh graduates as well.

LCL (Danny 心), [19/11/2025 4:38 pm]

5. So after 6 months IT Master BluePrint Plan has been develop and enter into "Build Stage", senior workers may not have the stamina to follow through.

6. Then our fresh graduates can follow the build stage - working hand-in-hand with our GLCs and private enterprise to help Timor Leste build their buildings, SOEs, infrastructure, staffing etc.

7. Of course Timor Leste must secure the "Build Fund" which is a larger amount compare to the "Consultancy Funds" from Asian Development Bank, IMF or World Bank maybe as long term loans, financial assistance or otherwise.

8. Then alot of long term permanent jobs will be created for our fresh graduates as well as business for our GLCs and private enterprises.

LCL (Danny 心), [19/11/2025 4:44 pm]

1. As planning MasterPlan and consultancy need not travel, can do locally in Singapore, it is less taxing on our senior workers - as everything is done on the computer, paper and pen and desktop using only brain work with less brawn work and hence is less taxing to senior workers.

2. During "build", our fresh graduates will need to be in Timor Leste to do the implementation - and they will have gain ground experience when they work on the project.

一箭双雕。

One arrow 2 birds.

LCL (Danny 心), [19/11/2025 4:58 pm]

1. After Timor Leste can operate their SOEs efficiently moving from an underdeveloped country to a developing country after more than a decade, then our senior workers can be engaged to offer them consultancy services how to build Timor Leste Stock Exchange

2. Then our senior workers can be consultants to help Timor Leste privatise all their SOEs into GLCs and list them in the Timor Leste Stock Exchange - from State Run Enterprises to public enterprises or GLCs to help them transform and grow their economy.

3. And we also reap mutual benefits by earning consultancy fees, business linkage, trading partners, investment partners etc.

REACH Singapore, [19/11/2025 6:01 pm]

📢 Topic 📢

REACH Singapore, [19/11/2025 6:45 pm]

Dear Contributors,

⏰ We will be closing the chat in 15 minutes ⏰

Thank you very much for being part of our Telegram chat and participating actively.

Goodnight!

Megan 😊

G, [19/11/2025 6:50 pm]

1990s was a great time

Lower cost of living

GST 3%

Foreigners who worked here were truly talents, and not to steal jobs

There was space to live

There was a sense of national identity

1990s to 2025 seem to be a regression and not progression

G, [19/11/2025 6:53 pm]

Is this a balloon floating exercise to gauge sentiments before a near future announcement to raise retirement age?

REACH Singapore, [19/11/2025 6:59 pm]

Dear Contributors

We will be closing the chat for today.

Thank you very much for being part of our Telegram chat and participating actively.

Goodnight!

Megan 😊

====

After note:-

Total market capitalisation in Singapore Stock Exchange (SES) is $899 billion.

Figures pertaining to GLCs are unavailable. However, GLCs form the largest shares of market capitalisation in SES.

Hence, my estimate of $200 billion to nationalise GLCs is a very conservative figures.

----

Source:- Google AI

There is no single, publicly available total asset value for all Government-Linked Companies (GLCs) in the Singapore stock exchange, as GLCs are a diverse group of publicly traded companies with varying asset bases. However, reports indicate GLCs collectively accounted for approximately 23% of the assets of the largest 500 firms, or around 24% of the stock market's total capitalization in a 2006 study, though this percentage has likely changed since then. To get a sense of the scale, the total market capitalization of all listed companies on the Singapore Exchange was approximately S$899 billion in February 2022. 
GLCs are not a monolithic group: They are a diverse set of publicly traded companies where the government holds a substantial stake.
Asset breakdown: As of a 2006 study, GLCs accounted for about 23% of the assets of the top 500 firms, and roughly 24% of the total market capitalization of the Singapore stock exchange.
Total market capitalization: The total market capitalization of all companies on the Singapore Exchange was approximately S$899 billion in February 2022.
Individual company data: The total value is not reported in a single figure, but you can find the net assets of individual GLCs through their financial reports. 

====

REACH (Telegram) 108 - What are your views on LTA’s rail reliability report and efforts to improve transport and mobility in Singapore?

(SK)

17 Nov 2025 (10am - 7pm)

REACH (Telegram)

REACH Singapore, [17/11/2025 9:45 am]

Dear Contributors,

Welcome Back! 😊

⏰ We will be opening the chat from 10am to 7pm today. ⏰

House Rules (short version of our Terms of Use) to keep in mind:

1. Be kind and respectful. We all want to be in a safe space to share our views.

2. Any and all threatening, abusive, vulgar or racially, religiously and ethnically objectionable content is prohibited.

3. Consider the quiet ones among us and give them a chance to comment.

4. No need to repeat your comment or in different forms (including caps) - we heard you loud and clear the first time.

5. Let's protect each other's privacy and keep contact details in this group what it should always be - confidential.

Full set of Terms of Use: https://www.reach.gov.sg/Participate/reach-telegram-group/REACH-Telegram-Group-Chat-Terms-of-Use/

We will strive to uphold these rules to ensure this is a safe space for all.

Please be assured that the points made by participants during the chat are aggregated and shared with relevant agencies.

The topic will be posted shortly.

Thank you.

Megan 😊

REACH Singapore, [17/11/2025 10:01 am]

📢 Topic 📢

The Land Transport Authority (LTA) has released data on three new rail reliability indicators, which were published in the latest rail reliability report on Nov 14.

The release of the metrics comes after Acting Transport Minister Jeffrey Siow told Parliament on Sept 22 that he had asked LTA to give the public more data for a fuller picture of rail performance. “We will be transparent, because we have a good system, and we have nothing to hide,” he said.

💬 What are your views on LTA’s rail reliability report and efforts to improve transport and mobility in Singapore?

📌 About the new rail reliability indicators 📌

The new indicators are the punctuality of trains, the impact of train disruptions on passengers, and the proportion of train services that operate according to schedule. These metrics are tracked as part of internal regulatory standards that the authority uses to monitor the performance of rail operators.

Singapore’s rail reliability is mainly measured by mean kilometres between failure (MKBF), which captures the average distance a train travels before encountering a delay of more than five minutes. It, however, does not reflect the actual impact on passengers.

Unlike the MKBF, which has a target of 1 million train-km for the MRT network, the newly published indicators were not presented with a benchmark or target.

📌 Train Service Delivery📌

Train Service Delivery measures the actual distance travelled by trains compared to their scheduled distance, expressed as a percentage.

This means that the higher the Train Service Delivery, the higher rail reliability, as it means that more train trips operated according to schedule.

While MKBF captures the kilometres between failures, Train Service Delivery captures the extent of the service disruption. For instance, longer disruptions will reduce the mileage that trains travel on schedule, hence lowering the figure.

Between 2020 to 2023, train service delivery figures ranged between 99.71 per cent and 99.99 per cent across five lines: The North-South Line (NSL), East-West Line (EWL), North East Line (NEL), Circle Line (CCL) and Downtown Line (DTL).

However, for the whole of 2024, the Train Service Delivery of the EWL fell to 99.42 per cent. The other lines were at 99.80 per cent or higher.

That year saw the massive six-day EWL disruption that affected about 500,000 train journeys.

The Thomson-East Coast Line (TEL) has been excluded from the new metrics, as it is still undergoing construction and extension and “will take time to stabilise”, said LTA.

LTA said it will review whether to include the data points for the TEL in subsequent publications, "based on whether these other indicators are reflective of the performance of the line".

📌 Train Punctuality 📌

Train Punctuality measures the percentage of train trips that complete their trips “on time” at the end of each line or a scheduled turnaround point plus or minus two minutes within schedule.

Train Punctuality is affected by service disruptions, as well as other operational problems that do not result in a full stoppage of service, such as slower travel speeds due to minor signalling or track faults, said LTA.

Therefore, a higher Train Punctuality rate means that more trips arrive within a specified time window, and this means the metro is more reliable.

From 2020 to 2024, Train Punctuality on Singapore’s MRT lines ranged between 98.85 per cent and 99.93 per cent. Between 2021 and 2024, NEL has the lowest punctuality score among the five lines.

LTA said that figures for the NEL are typically lower than for the longer lines, as it is the shortest line in the train network.

“It is more challenging to maintain Train Punctuality on shorter lines, as operators have less time to adjust travel speeds or dwell times to ‘catch up’ if the train meets with a delay,” said LTA.

REACH Singapore, [17/11/2025 10:01 am]

📌 Passenger Impact 📌

For severe disruptions lasting more than 30 minutes, LTA also provided additional estimates of the number of passengers affected, both in absolute terms and as a proportion of daily ridership for the affected line.

This is because the severity of a disruption can be measured not only by its length, but the number and proportion of passengers affected, said LTA.

For example, for the three-hour long NEL disruption in August, over 50,000 passengers were impacted, comprising 9.7 per cent of daily passengers along the line.

During a CCL disruption in March, between 5,000 and 50,000 passengers were affected, comprising 1.4 per cent of daily passengers.

📌 LTA starts largest engagement exercise to hear from commuters 📌

At the Caring Commuter Week 2025 launch event at Our Tampines Hub on Nov 15, Acting Minister for Transport Jeffrey Siow announced that the Land Transport Authority (LTA) has launched a nationwide public consultation exercise to refresh its Land Transport Master Plan (LTMP). Mr Siow said that the engagement exercise will run over a 12-month period.

Calling it LTA’s largest outreach exercise to date, Mr Siow said he hopes that more Singaporeans will feel a sense of ownership and work with the LTA as partners to shape the future of transport.

👉 https://www.straitstimes.com/singapore/transport/punctuality-passenger-impact-among-ltas-new-reliability-indicators-99-of-trains-on-time-in-sept

👉 https://www.channelnewsasia.com/singapore/train-disruption-rail-reliability-additional-indicators-lta-smrt-sbs-5465306

👉 https://www.straitstimes.com/singapore/lta-starts-largest-engagement-exercise-to-hear-from-commuters

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Jun Ming, [17/11/2025 10:04 am]

If the fault does not affect commuters severely it's ok. Ie. 10 mins delay(literally 10 min) . Not when system says 10 min but commuters say 30 min)But don't every time break down more than a hour

Nicholas, [17/11/2025 10:18 am]

Suggest to encourage commuters to wear medical masks when on a crowded train. It's quite nasty when someone is coughing and sneezing in a crowded train during peak hours and we can't move away from the person.

Daniel, [17/11/2025 10:37 am]

Subjectively, it feels to me that the rail transport is still very reliable in Singapore, even compared to other developed countries. I am taking the train to work and back and very rarely get affected by any breakdowns or noticeable delays. I feel the whole rhetoric about train reliability being very bad/getting worse is quite a bit overblown.

Jun Ming, [17/11/2025 10:37 am]

I got a request can build toilet within the gantry. Everytime travel halfway got difficulty to find toilets

Jun Ming, [17/11/2025 10:38 am]

So no need to tap out and in again

Daniel, [17/11/2025 10:38 am]

That being said, I think it's good to have a broader set of reliability indicators, I feel those make it easier to understand what's happening.

Jun Ming, [17/11/2025 10:39 am]

I think reliability indicator needs to include break down timing. I think we are more ok for short breakdown but not ok with long breakdown

REACH Singapore, [17/11/2025 11:00 am]

[ Poll : I am confident in the reliability of Singapore's public transportation system. ]

- Strongly Agree

- Agree

- Neutral

- Disagree

- Strongly Disagree

REACH Singapore, [17/11/2025 11:02 am]

Dear Contributors,

Please take a moment to participate in our polls and share your opinion. The poll questions are pinned for easy reference! You can choose more than one option and your vote is anonymous.

We look forward to hearing your thoughts on today’s topic!

💬 What are your views on LTA’s rail reliability report and efforts to improve transport and mobility in Singapore?

Thank you.

Megan 😊

여자친구, 첫사랑 🏆, [17/11/2025 11:08 am]

Actually, no matter what indicators you use, if things are have been really bad, any indicator used would show the same problem. Does LTA have a breakdown/incident tracker? I have and would show it, but if LTA has and it's hiding it, is it just denying reality and have another agenda?

여자친구, 첫사랑 🏆, [17/11/2025 11:09 am]

Because let's remember that LTA is a government ministry and not a profit maximising private firm yeah.

여자친구, 첫사랑 🏆, [17/11/2025 11:10 am]

No matter what breakdown short or long, it is not okay. We should not lower our standards/expectations just because LTA is going oh actually signal faults happen all the time one!! Only ghosts would believe you lol.

Jun Ming, [17/11/2025 11:12 am]

True. We should uphold our standard. Though occasionally we can tolerate we should have our highest expectations to lta.

Jun Ming, [17/11/2025 11:13 am]

Lta target all lines 3 yr 1 fault maximum

여자친구, 첫사랑 🏆, [17/11/2025 11:13 am]

If the indicators show something positive, I think it is safe to say LTA is running away from the problem. These 2 years have been anything but positive for the MRT/LRT. Yes on the whole the MRT is still going on as mostly per normal but with the number of incidents, it is too high.

여자친구, 첫사랑 🏆, [17/11/2025 11:14 am]

Oh I can stomach that but has any line achieved that target within these 2 years? HAHAHAHA!!

여자친구, 첫사랑 🏆, [17/11/2025 11:15 am]

Then the thing is what is the extent of us being forgiving to them or for how long should we be forgiving to them? With my incident tracker, I've run out of goodwill for them a long time ago.

여자친구, 첫사랑 🏆, [17/11/2025 11:18 am]

Passenger impact: don't need an indicator to tell me that if incidents happen succesively eventually everyone would be affected lol.

Engagement exercise: if you implement some of tehsiewdai's ideas then I'll think the exercise would've worked. If LTA continues down this path of gradual destruction of the public transport system by running away from the problems, then this is so tokenistic.

Jun Ming, [17/11/2025 11:19 am]

I think it's like a norm to break down lol. I hope circumstance will change. Miss the kaw boon wan era where he actually do something to upgrade

Jun Ming, [17/11/2025 11:20 am]

Instead this siow Jeffrey saying it is impossible for mrt that not breakdown

여자친구, 첫사랑 🏆, [17/11/2025 11:20 am]

Also anyways on train punctuality, why not let's talk about train frequency instead. What's the explanation from a maximum 5 minute frequency on NSL to what I've been seeing, 7 minute frequencies on 1 of our busiest lines?

여자친구, 첫사랑 🏆, [17/11/2025 11:22 am]

Oh no don't let this 2 years bring down your expectations for our system!! We SHOULD continue to have high expectations for our system. How come from 2021 to 2023 everything was fine and then suddenly these 2 years are as such? We cannot lower our expectations in fact we must continue to raise them so our public transport system can do better.

여자친구, 첫사랑 🏆, [17/11/2025 11:23 am]

We have a high quality system so we should see it constantly improving and it should continuously improve.

Jun Ming, [17/11/2025 11:23 am]

Maybe it's their strategy lah breakdown enough time than people will feel normal

Jun Ming, [17/11/2025 11:25 am]

This is why previously I mentioned break down 1 time free one month ride penalty and 3 years not to raise the price

Jun Ming, [17/11/2025 11:25 am]

Then they will feel the pain

Jun Ming, [17/11/2025 11:27 am]

Now it's the commuters taking in the pain of raising prices and breaking down

Jun Ming, [17/11/2025 11:28 am]

You only can raise price if you have delivered your service good

365, [17/11/2025 11:30 am]

It'll become a chicken and egg paradox, they also need the money for improvement and maintenance. While the current situation is less than ideal, withholding money will lead to a negative feedback loop.

While of course I rather the prices stay low, compared to other developed nations, I believe we are at the lower public transport cost to income ratio. Minimally, I'm sure we are definitely lower than Japan in this instance.

Jun Ming, [17/11/2025 11:31 am]

So what is the ideal punishment for them?

365, [17/11/2025 11:32 am]

I think there's a need for contingency as well, they are telling us the known issues. Signal faults and what not, what is the contingency when this happens? If this cannot be prevented 100%, at least have alternative measures to prepare against it when it inevitably happens.

365, [17/11/2025 11:32 am]

I think part of the issue lies in a private establishment being involved in public services.

365, [17/11/2025 11:33 am]

Ideally, the cash flow to the company does not stop, but the bonuses and salary of top executives get affected.

365, [17/11/2025 11:33 am]

Not sure how much control the gov have directly over the renumeration itself

Jun Ming, [17/11/2025 11:34 am]

Ideally they should get pay cut per breakdown

365, [17/11/2025 11:34 am]

The issue is how much control the gov has over the renumeration of an employee of a private company

Jerard, [17/11/2025 11:35 am]

I would say that the LTA's efforts to improve rail reliability is an ongoing process to ensure operational reliability and efficiency. Despite the breakdowns/rail disruptions, Singapore still maintains the status of one of the most reliable rail systems in the world

Jun Ming, [17/11/2025 11:36 am]

That's why transport should be on sgx when breakdown the share value drop then they will panic

365, [17/11/2025 11:38 am]

I'm aware of the rail reliability compared to the rest of the world, I also believe that we should be able to expect a standard higher than most of them.

I do not expect there to be zero hiccups, machines are machines and wear and tear is always an issue. But the lack of effective contingency against known hiccups is an issue.

Each time, we are told more or less, the same reasoning. I can accept that engineering wise, there's no 100% foolproof design. But what's your backup plan when you already know such issues are going to occur?

Jerard, [17/11/2025 12:08 pm]

but then, how can we further improve the rail reliability without compromising safety and efficiency?

Jun Ming, [17/11/2025 12:17 pm]

Maybe put interchangeable track so trains can switch lanes in every station. So when train break down it only limits to one station

Jun Ming, [17/11/2025 12:18 pm]

I am not a engineer so idk but ya maybe that's a stupid suggestion

Khai Mun L., [17/11/2025 1:37 pm]

Maybe, but got other considerations if listed. Shareholders would want profit/dividends, then jack up the bus/train tickets to maximise profit.

Close down those non-performing routes e.g. those at ulu places etc

365, [17/11/2025 1:42 pm]

That's a good point, how a publicly traded company operates will be vastly different from how a public service should be operating. Publicly listed company will prioritize maximum profit, something that usually opposes public goodwill.

여자친구, 첫사랑 🏆, [17/11/2025 1:48 pm]

That's why, because they didn't lose any seats on 3 May they thought oh no consequences mah. People also ah, didn't think it was important enough as an issue. Oh well then we'll see when enough Singaporeans finally see is an important enough issue I guess.

여자친구, 첫사랑 🏆, [17/11/2025 1:51 pm]

That time SMRT was privatised right then look what happened GE2011 someone's vote share fell really low haha.

여자친구, 첫사랑 🏆, [17/11/2025 1:51 pm]

Okay ah not that I want something like that to happen again ah but if is the only way Singaporeans will wake up and realise what is happening then I don't mind.

여자친구, 첫사랑 🏆, [17/11/2025 1:52 pm]

Only when things severely affect people's daily lives then people will finally think is an issue. Because it seems like inflation wasn't a big enough issue on people's daily lives. When the complaint is not complaining hard enough haha.

Jerard, [17/11/2025 1:56 pm]

like LRTs?

REACH Singapore, [17/11/2025 2:01 pm]

📢 Topic 📢

LCL (Danny 心), [17/11/2025 3:29 pm]

1. The 3 new indicators are a better reflection of the availability of MRT services as compared to MKBF (Mean Km Before Failure) as they reflect the impact to commuters.

2. But not sure if other MRT in the world adopt the same 3 indicators – so that we can benchmark against them. If not, the 3 indicators will still be a good indication of the availability of our MRT services.

3. Let us visit what the 3 new indicators are :

a. Punctuality of Trains

b. Impact of train disruptions on passengers

c. Proportion of train services operate according to schedule

4. In addition, the TSD (Train Service Delivery) – that measures the actual distance travelled by trains compared to their scheduled distance expressed as % - that signal higher rail reliaibility is more train trips operate according to schedule.

5. Punctuality of Trains – I am quite satisfied with the punctuality of the MRT trains – often within 5 mins.

6. Impact of train disruptions on passengers – honestly I have never encountered a MRT breakdowns for a couple of years – short of 1 more than decades ago.

7. Proportion of train services operate according to schedule – almost all the time.

8. Hence despite a few headline news of MRT breakdowns, I fortunately have not encountered a breakdown.

LCL (Danny 心), [17/11/2025 4:03 pm]

1. Having say so, I feel that redundancy in the train network will be important. So that in the event of a train breakdown, I can just hop onto a redundant line – not fully impacted by the down line and no need to be redirected into a replacement bus service.

2. However, if a redundant line is not possible, than a well drill, well practiced replacement buses directed by SMRT staff will be the 2nd best options.

3. Introspect, I noticed there are quite a number of redundant MRT lines already made available and even new lines (eg. The extended Thomson East Coast line) coming out – in which I feel that meeting the objectives of “hopping over redundant lines” will be available in many main MRT artery lines.

4. In addition, yesterday news feature many tracks are being replaced well before the lifespan ends with new modular tracks that have higher resiliency against failure. New communication signaling systems that are more pervasive and cover a larger MRT system for monitoring. New redundant power supply station that will facilitate seamless failover and redundant power lines. This will means our revamp MRT systems will become more and more robust and will succumb to less failure.

5. Hence, imposing high $ penalty for failure is not the right approach as the new revamp system needs $$ to implement. The $$ should be used to plan, design and better redundant system to make the entire MRT system more robust and less failure rather than a punishment that will not make our system better.

6. Any thing that deserve mention is the appointment of new Taskforce that make up of top train experts and management from all other Countries like China, Taiwan, Japan etc – to review and scrutinize our MRT systems what gaps need to be plugged and what improvement can be done to make it more robust and reliable not only pertaining to system, but also include processes, procedures, manpower staffing etc. This is certainly a wise move – by tapping the best mind in the World that have operated a very reliable system – and make our system even better (even though our MRT systems reliability is already very high).

Khai Mun L., [17/11/2025 4:06 pm]

And there is a cost to having redundant systems. Time and money spent maintaining/building them for scenarios that happen once in a while.

Have to decide how much of tax money to go into these extra systems

LCL (Danny 心), [17/11/2025 4:09 pm]

Yes understood.

A cost and benefits analysis need to be done.

That's what is the cost of train breakdown - economic cost eg. People late for work, study, social cost, reputation damage versus the cost of building a redundant lines.

I feel that the current and the up and coming MRT lines have extensively cover a large part of the entire Singapore.

Then the focus will be ensuring a replacement bus services if the train breakdown happen.

Another thing is to ensure the running system are robust enough, maintain enough to prevent breakdown as far as possible - though everything mechanical or electrical or electronic are bound to fail somewhere down the road. The trick is how to minimize the chances of failure.

REACH Singapore, [17/11/2025 4:17 pm]

📢 Topic 📢

Noor Naffissah, [17/11/2025 4:19 pm]

They should reduced the amount not increased the transport fee as not fair for the low income families..

Noor Naffissah, [17/11/2025 4:19 pm]

As the mrt always breakdown

LCL (Danny 心), [17/11/2025 4:20 pm]

I think LTA offer transport vouchers to low income families.

But must apply for it with the CC.

LCL (Danny 心), [17/11/2025 4:22 pm]

Because if train breakdown, need money to revamp the system.

If lower transport fees, less money, Smrt cannot make the system better, than it will breakdown even more.

The service will become worst and worst.

LCL (Danny 心), [17/11/2025 4:24 pm]

Actually Singapore MRT system is already one of the best in the world.

Not realistic to have zero failure. Because even the best MRT system in other countries also encounter disruption.

But currently, the government is putting alot of efforts to further make the train system more reliable and robust - which we should support.

LCL (Danny 心), [17/11/2025 4:28 pm]

$60 Public Transport Vouchers to Provide Support for Lower-Income Households https://share.google/bbyIZiRZURieBVEdY

LCL (Danny 心), [17/11/2025 4:36 pm]

1. Next is the refresh Land Transport Master Plan (LTMP).

2. I feel the new areas that can include in the LTMP is :

a. To cover certain more remote places whereby taxis and private hires don't want to operate.

b. After midnight, where public buses, MRT stop services.

c. I feel that Driverless Autonomous Vehicles – eg. Buses, cars can fill the gaps.

d. But efforts must be looked into the jobs of taxi drivers, private hires drivers and public bus drivers to ensure a hybrid transport modes – that make up of public and private driver hires, driverless hires, MRT and buses are integrated and each performing an important part of the entire transport system.

e. Some efforts should be look into the dedicated cycling path and pedestrian path operating side by side – to ensure cyclists, PMD riders don't drive at high-speed or recklessly or racing one another on their cycling path or sometimes cutting into the pedestrian path – because the dedicated cycling path seems to offer them a licence to speed on their cycling path – that could endanger pedestrians walking.

Jun Ming, [17/11/2025 5:23 pm]

But it feels like punishing travellers because of their failures to maintain the system

LCL (Danny 心), [17/11/2025 5:25 pm]

Got to weigh the pros and cons.

Make Smrt replace a better system and make it more reliable so that we have lesser breakdown is better than punishing them and the system break down more often.

Jun Ming, [17/11/2025 5:25 pm]

End up consumers are the ones that always lose out and pay for their mistakes

LCL (Danny 心), [17/11/2025 5:26 pm]

Anyway the transport price is determine by many criteria - independent of Smrt.

So make Smrt on the toe is a different dimension.

Jun Ming, [17/11/2025 5:29 pm]

But I wonder what is the root cause for such a drastic drop in reliability for the 2 newer lines

LCL (Danny 心), [17/11/2025 5:29 pm]

When Smrt breakdown, commuters don't incur extra cost.

In fact, free shuttle buses or redundant lines are offered.

So commuters have no tangible monetary loss except the inconveniences or late for appointment.

LCL (Danny 心), [17/11/2025 5:29 pm]

Not sure.

Jun Ming, [17/11/2025 5:30 pm]

Is it management problem or the engineers are less trained or not done pm servicing or the new upgrade system is shit

LCL (Danny 心), [17/11/2025 5:31 pm]

Not sure.

Got to wait for taskforce report

G, [17/11/2025 5:58 pm]

This is just LTA.

End of the day, they are not the actual service provider. There's only so much they can do to tarik the service provider should the service provider fail to meet KPIs.

Even better: despite significant service disruptions, the service providers still come asking to raise fares, and the transport authorities acquise to their request.

Why not revert to the old days where service was provided by a govt body.

In today's model, service is provided by multiple for-profit entities, meaning there's multiple expensive overheads to feed (C-suite levels). Don't these expensive overheads also contribute to significantly to transport fares hikes?

G, [17/11/2025 6:02 pm]

Furthermore, entities like SMRT have a habit of hiring ex SAF personnel.. and we all know how inflated the SAF salaries are compared to the rest of SG

And it's not unreasonable to assume that these ex SAF personnel have had their salaries matched or even increased to attract them to join an organisation like SMRT (thankless work)

Kai Bin, [17/11/2025 6:06 pm]

To further improve rail reliability, I suggest that LTA and the rail operators could consider closing one section of the MRT line in the day (during off peak. periods like weekends) for maintenance works

LCL (Danny 心), [17/11/2025 6:21 pm]

8/11/23, 4:26 pm - ☸️  Danny 心: 

1. Another aspect that I disagree with WP proposal to nationalise the public transport --- is as good as saying, use taxpayers money to finance the day-to-day running of the public transport --- like the old communist countries way of State run enterprises of financing public goods and services.

Also without market competition, government run enterprise become less and less efficient leading to high overhead.

During the initial stage of development, whereby there are less capital, less talents and less resources, nationalisation is the right way to go.

But as a nation become more developed, privatisation is the right economic way to go.

2. Many Communist countries have already move away from nationalising the public goods and services eg. China, Vietnam and other East European countries - because it is inefficient and taxpayers money got to finance the inefficient way of running the public transport.

3. In addition, enterprise cannot go overseas to bid for foreign business such as the comfort delgro, SMRT, etc to earn foreign revenue if public transport is state run.

4. After collecting tax revenue and then subsidise the transport expenditure like what the current government is doing make more sense - without :-

a. tie down with day-to-day running of public transport which is inefficient.

b. use taxpayer money to run the public transport business

c. losing the foreign revenue - as state enterprise cannot bid for overseas public transport tender.

LCL (Danny 心), [17/11/2025 6:22 pm]

If Smrt is run by government, how to bid for overseas contract?

We lose the external wing revenue to boost our Economy and create good jobs for Singaporeans.

LCL (Danny 心), [17/11/2025 6:23 pm]

ComfortDelGro (CDG), not Transit Link, has won several overseas rail and bus contracts in recent years, including major rail contracts in Auckland (New Zealand), Paris (France), and Stockholm (Sweden). Transit Link is a Singapore-based company primarily focused on integrated public transport ticketing and payment services. 

ComfortDelGro Overseas Contract Wins

ComfortDelGro has actively expanded its international presence, particularly in the rail sector. Key contract wins include: 

Auckland, New Zealand: In August 2021, a 50:50 joint venture (JV) named Auckland One Rail (AOR) between ComfortDelGro and Australian rail operator UGL Rail Services was awarded a S$1.13 billion contract to operate and maintain the Auckland metro network. Operations began in January 2022 for an initial eight-year term.

Paris, France: In July 2023, a consortium comprising ComfortDelGro Transit, RATP Dev, and Alstom won a contract to operate the southern sector of Line 15 of the new Grand Paris Express metro system. This contract is for an initial term of six years, with services expected to commence by the end of 2025.

Stockholm, Sweden: In January 2024, a JV between ComfortDelGro and the UK-based Go-Ahead Group (Connecting Stockholm) secured an 11-year, S$5.1 billion contract to operate and maintain the entire Stockholm metro system, the largest rail passenger operation outside of Singapore for CDG. Operations are set to begin in May 2025.

Australia & UK (Bus Services): ComfortDelGro has also secured multiple bus contracts in Australia and the United Kingdom, including franchises in Victoria and New South Wales in Australia, and bus franchises in Greater Manchester, UK. 

These international ventures are part of ComfortDelGro's strategy to grow its core public transportation business beyond Singapore's market. 

REACH Singapore, [17/11/2025 6:26 pm]

📢 Topic 📢

G, [17/11/2025 6:36 pm]

This is all just theory. Supposedly privatisation would lead to more efficiency and in turn, more competitive transport fares

But what we seen in reality is the opposite. More inefficiencies due to the need to feed multiple expensive c-suite overheads. And less competitive transport fares that don't correlate to the service rendered (higher prices for lowered service)

If the current model of earning foreign revenue translates to lowered transpor fares in SG, then that's good for SG. But we haven't seen that.

If overhauling the transport ecosystem by forgoing foreign revenue translates to a more efficient and cheaper transport ecosystem here in SG, wouldn't that be better for SG?

여자친구, 첫사랑 🏆, [17/11/2025 6:37 pm]

+ management problem. SMRT should not be an SAF retirement home.

LCL (Danny 心), [17/11/2025 6:38 pm]

Many countries has convert State run enterprise into private companies or government linked companies.

And economies have grown significantly.

If we go back to nationalisation, our economy GDP will shrink from 2025 back to 1990s.

These are math.

LCL (Danny 心), [17/11/2025 6:39 pm]

Also best to read up what is macroeconomics free market system.

The only State run enterprise is North Korea.

G, [17/11/2025 6:40 pm]

So what?

Has higher GDP led to swiss standards of living as promised in the 90s? Only see swiss cost of living

LCL (Danny 心), [17/11/2025 6:40 pm]

Singapore GDP PPP is the highest in the world.

LCL (Danny 心), [17/11/2025 6:41 pm]

Singapore's total GDP (PPP) was approximately $910 billion (current international dollars) in 2024, while its GDP per capita (PPP) was around $132,570 in 2024. GDP (PPP)

G, [17/11/2025 6:41 pm]

You said here that govt run enterprise become less and less efficient leading to high overhead

But what we see today is unnecessarily high overheads because of the multiple c-suites that need to be fed. If govt run, just 1 set of c-suite to feed

LCL (Danny 心), [17/11/2025 6:44 pm]

Singapore civil service and public service is the smallest and most efficient in the world because Nationalisation has been discarded and many State run enterprises have become GLCs eg. Singtel, PSA, ncs, ST engineering, Keppel corp, Smrt , comfort delgro etc that make Singapore sovereign funds one of the largest in the world.

REACH Singapore, [17/11/2025 6:46 pm]

Dear Contributors,

⏰ We will be closing the chat in 15 minutes ⏰

Thank you very much for being part of our Telegram chat and participating actively.

Goodnight!

Megan 😊

LCL (Danny 心), [17/11/2025 6:46 pm]

GLCs make up few hundred billions of dollars and contribute to Singapore large sovereign funds.

Imagine few hundred billions of dollars have to contribute by taxpayers instead of earning revenue for Singapore?

Wonder does the math add up?

LCL (Danny 心), [17/11/2025 6:48 pm]

Just wondering whether WP and oppositions know how to run Singapore or not?

Or worst bring Singapore progress backward from 2025 to the 1990s?

G, [17/11/2025 7:00 pm]

So what.. has this led to lowered transport fares?

Last don't don't need transport vouchers for the lower income families and they could still get by

REACH Singapore, [17/11/2025 7:00 pm]

Dear Contributors

We will be closing the chat for today.

Thank you very much for being part of our Telegram chat and participating actively.

Goodnight!

Megan 😊

====

心法, [17/11/2025 11:28 pm]

After Note (about Nationalisation, what is the impact):-

Assume what WP and the oppositions say, let us revert back to Nationalisation – by converting all GLCs (that provide public goods and services) to State-Run Enterprises, what will be the implications :-

Funding – how and where to get the money to buy out all the public shares in the Singapore Stock Exchange eg. Singtel, PSA Corp, NCS, ST Engineering, Keppel Corp, Smrt , Comfort Delgro, DBS, Sembcorp, SIA, SIA Engineering, Scoots etc ?

a. Liquidate half of Temasek Holdings GLCs' assets to pay shareholders holding all these GLCs shares and delist from the Singapore Stock Exchange (about $200 billion). What will be the implications:-

SES (Singapore Stock Exchange) portfolio diminished drastically – and can no longer function as a stock exchange as the market capitalisation heavily front by GLCs. SES paralysed and could become dysfunctional as the remaining shares are SMEs or smaller values in capitalisation.

Temasek Holdings' asset values as Sovereign Fund cut by half – and the NIRC and the profit earned will be greatly reduced. Hence the half of NIRC contributing to the fiscal budget will be greatly reduced – means more taxes in the form of GST, personal income tax, corporate tax etc will be needed. We as a taxpayer will have to pay more taxes – don't know how many percentage more taxes that we need to pay to make up for the lost government revenue earned from the NIRC.

b. If financing the Nationalisation of all the GLCs are not to be funded by the liquidation of Temasek Holdings, then Government will have to make use of taxpayers money to “Nationalise” the GLCs – assume Government need to collect additional $200 billion more taxes to do that. Now with GST, personal income tax, corporate tax, NIRC, other taxes – we collect about $100 billion to finance our yearly government spendings. To finance another $200 billion to “nationalise” the GLCs, taxpayers got to pay 200% more in terms of GST, personal income tax, corporate tax, NIRC, other taxes etc for the government to collect $200 billion more --- are taxpayers willing to pay 200% more taxes? Not to mention getting CDC vouchers, GST vouchers etc ---- taxpayers will have to pay much more taxes to “Nationalise the public goods and services” with no more CDC or GST vouchers.

c. The impact to our structure of our Economy and GDP is huge – we immediately drop from a very rich country to become a 3rd world country – from 2025 back to 1990s or 1970s – this is the impact of mismanaging our Economy if WP and the oppositions play their cards to push for Nationalisation of our public goods and services.

d. In addition, all our GLCs without subjecting to market forces and market competition will fall into inefficiency – because it cannot benchmark to market competitive pricing – as these State-Run Enterprises (SOEs) will keep putting out their hands to the Government for funds year after year. How do the various Ministers determine if the funds requested by the SOEs are reasonable if there are no market competition and benchmark? Where do the Ministers get the fund from short of taxing taxpayers to pay them?

e. GLCs if nationalise cannot tender and compete for business in overseas market – whereby currently, most if not all our GLCs gain very huge revenue and profits from overseas business because Singapore domestic market is very small unlike overseas world market - then we are losing billions and billions of $ in foreign earnings.

Only North Korea are using SOEs to run public goods. Many current and previous communist countries such as China, Russia, Vietnam, East European countries have long discarded Nationalisation and convert to Privatisation or GLCs (Government Linked Companies) operate in a market economy precisely the negative impact of a SOEs.

Now our oppositions, WP want to revert back to Nationalisation of our public goods and services started with SMRT?

Are we dooming ourselves to place our trust with the oppositions and WP?

心法, [17/11/2025 11:28 pm]

I am surprise that WP has an Economist that work with international economic bodies – but fail to understand this very basic fundamental principles of macroeconomics – free market economy versus the impact of State-Run Enterprise (SOEs).