REACH 145 - Medishield premium increase (SK)
30 Sep 2020 (12pm - 7pm)
REACH
[12:14 pm, 30/09/2020] +: Dear contributors,
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REACH
[12:17 pm, 30/09/2020] +: 📢 Topic 📢
The benefits offered by MediShield Life are set to be widened from next year, with proposed yearly claim limits raised from $100,000 to $150,000, to better protect Singaporeans against exceptionally large bills arising from long or multiple periods of hospitalisation during the year.
However, to cover the rising healthcare costs and the additional benefits, premiums are also expected to go up next year.
The Government will continue to subsidise up to 50 per cent of MediShield Life premiums for about half the population, in addition to the subsidies the Pioneer and Merdeka Generations get. These are permanent premium subsidies that provide help to at least half the population.
In addition, Health Minister Gan Kim Yong said the Government will soften the impact of the premium increase with a special COVID-19 subsidy for the first two years.
Together with existing subsidies, in the first year, all Singaporeans will get a 70 per cent subsidy on the increase. This goes down to 30 per cent in the second year.
The Government has promised that every Singaporean and PR will be covered by MediShield Life from birth to death, with no one left out.
How will the proposed benefits and widened coverage under Medishield Life benefit you and your family?
Public can also provide their feedback on the recommendations here: https://www.moh.gov.sg/e-consultation/mshl2020
👉https://www.straitstimes.com/singapore/health/medishield-life-to-offer-sporeans-more-coverage-and-benefits-next-year-under
👉https://www.straitstimes.com/singapore/health/special-covid-19-subsidies-for-first-2-years-to-offset-medishield-life-premium-hike
+ changed this group's settings to allow all participants to send messages to this group.
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Rama
[12:29 pm, 30/09/2020] +: The job situation for local is gloomy so if prolonged, how much can family help tonto up?
Ana
[12:41 pm, 30/09/2020] +: Curious how this will affect homemakers like my mum.
Rama
[12:41 pm, 30/09/2020] +: Good question
Berny
[1:03 pm, 30/09/2020] +: In view of the current pandemic situation, I think it would be nice if both CPF and MOH allow Singaporeans to defer the payment for up to two years if they are unable to do so for various reasons, interest-free.
Jimmy Chew
[1:06 pm, 30/09/2020] +: I thought the government is there to buffer the increase. Seems that the citizens has to bear it. No money and squeeze some more 😜🤣
[1:06 pm, 30/09/2020] +: Government for the citizens or for the insurance company?
Berny
[1:07 pm, 30/09/2020] +: the subsidy is there to buffer for 2 years ma, can't expect them to pay for everything without tax increase
SS
[1:07 pm, 30/09/2020] +: Perhap a deferement would help those who are facing financial hardship at least for next year . perhap defer by 6 months?
Boon
[1:07 pm, 30/09/2020] +: 👍
Berny
[1:08 pm, 30/09/2020] +: On national level, the reserves must continue to grow no matter what the situation is, this is to fight for emergency and inflation
[1:08 pm, 30/09/2020] +: 2 years would be better imo, the first year after the situation improves, most facing hardship would channel their funds to repay the backlog (eg. loans, housing, etc)
SS
[1:09 pm, 30/09/2020] +: but growing at the expense of those who cannot afford to do so at this time, i think that shouldnt be the focus now? Instead of growth of country reserve, we should grow in term of providing them jobs or necessary skills which i think they are trying to do so now.
[1:09 pm, 30/09/2020] +: fair enough.
[1:10 pm, 30/09/2020] ☸️ Danny 心:
This medisave scheme is to ensure that whoever get serious illness and need hospitalisation, no one will be left out and not get treated.
Hence, this pool insurance scheme.
Berny
[1:10 pm, 30/09/2020] +: Yes, they are focusing on jobs, but on a national level, I don't think any government will just focus on 1 issue at a time. I am pretty sure that this increase is an additional layer of safety net, in case those who are facing hardship suddenly gets admitted to hospital
[1:11 pm, 30/09/2020] ☸️ Danny 心:
Today Singapore
SIA ditches ‘flight to nowhere’ idea, rolls out A380 restaurant, delivery menu and training facilities tour
By NG JUN SEN
Read more at https://www.todayonline.com/singapore/sia-ditches-flight-nowhere-idea-rolls-out-a380-restaurant-delivery-menu-and-training
Published29 SEPTEMBER, 2020
SIA will be offering lunch to customers on board a parked superjumbo A380 at Changi Airport on two afternoons in October
The airline abandoned the flight to nowhere idea after a review and has no plans to revive it
From Oct 5, customers can order SIA’s First Class and Business Class food for a home dining experience with amenities intended to* recreate the flight experience*
A behind-the-scenes tour of SIA’s training facility will be held over two November school holiday weekends and includes access to its flight simulator, a grooming workshop
Customers can “recreate the SIA onboard experience at home” by watching aircraft cabin videos and listening to a specially curated playlist
The tour dates are set for Nov 21, 22, 28 and 29, and bookings commence from Nov 1.
In recent weeks, the idea attracted flak from people who were concerned about the carbon impact created by these flights, while others defended such flights — which a few airlines are pursuing — as a way to help the ailing national carrier cope with the Covid-19 pandemic.
Mr Goh Choon Phong, SIA chief executive officer, said: “There has been a lot of interest in our customer engagement initiatives over the last few weeks, and I would like to thank everyone for their great ideas and suggestions. We are very encouraged by and grateful for the enthusiasm and passion that we have seen.”
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[12:04 pm, 21/08/2020] ☸️ Danny 心:
My comments -
"SIA is now burning money.
Analysts say that airlines can only rebounds 2024 - 4 years later.
Now barely a few months, all money raised $8 over billion - half have been used up.
https://sg.yahoo.com/news/singapore-air-burns-through-half-of-cash-raised-in-two-months-022446513.html
My close friend contribution :-
SIA can explore this :-
Instead of visiting the airport, visitors also take a fake air flight with in-flight meal.
Not a bad idea as airlines can also earn revenue through such passenger visit.
Revenue not great but in support of SIA, enjoy a meal enjoy in flight entertainment. Can also have fake captain announcements.
A whole package approach -
And this is package with sg local tours and staycation initiatives.
Check in thru changi airport, board flight, enjoy meal, in flight entertainment, "disembark" received by local tour guides, check into sg hotels. Etc
Impt to invoke nationalistic response to help sg companies and businesses
Asian financial crisis, south Koreans aunties and grannies donated their gold jewelleries
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SS
[1:12 pm, 30/09/2020] +: I like the idea of viewing their train facilities and perhap families can bring their child for a visit to garner interest. next up having a chance to eat inside the aircraft that is something i would like to try for sure. But would it be costly to convert it to be a dining venue for a short term or long term ?
Berny
[1:13 pm, 30/09/2020] +: gold price increasing now 🤭 good to keep some under the bed or pillow if anyone got spare cash lying around
Jimmy Chew
[1:13 pm, 30/09/2020] +: Sounds like a playbook from animal farm. 🤣
Berny
[1:13 pm, 30/09/2020] +: everyone is equal, but some are more equal than the others?
Jimmy Chew
[1:14 pm, 30/09/2020] +: Good years will come. Work harder and contribute, while the pigs enjoy themselves
[1:14 pm, 30/09/2020] ☸️ Danny 心:
It is a joint co- scheme whereby those who are working and contribute to CPF medisave - will pay for the insurance programme.
The government also help to co-pay.
Berny
[1:15 pm, 30/09/2020] +: on a side note, I wonder how Sembawang temple is coping with the rebuilding, wonder if there are any subsidy from anywhere going in or not
Jimmy Chew
[1:16 pm, 30/09/2020] +: https://g.co/kgs/UG55pC
[1:19 pm, 30/09/2020] +: Yeah I charge you $50 and pay you $50 and after two years. You got to pay for life 😂
[1:20 pm, 30/09/2020] ☸️ Danny 心:
Without this medisave scheme, there are 3 options:-
1. People buy their own private insurance and pay a hefty monthly or yearly premium.
2. Don't buy insurance, use their own money or saving to pay.
3. Cannot afford, don't get treatment and wait for the final day.
This scheme is self pay, the whole nation pay, government co-pay - everyone got treatment, premium lower.
I think is a good scheme.
Also government pay 4% interest on medisave balance - so not too bad.
Sam
[1:20 pm, 30/09/2020] +: Government already provide a huge subsidy for hospital bill especially for class C ward. The balance amount need to be settled by the patient. As they have reviewed the claim for the past few years and found that the coverage is still not sufficient, it is either increase the coverage or let the patient bear higher medical expenditure. In such situation, higher insurance cover is always preferred as increase in premium is affordable as compared to huge bill. Lower income family will enjoy bigger premium subsidy nevertheless. And medishield life premium is from medisave. So there is no direct impact on disposable income.
Berny
[1:21 pm, 30/09/2020] +: when item 3 happens, people will cry father cry mother, and create fake news saying that gahment no take care of own people but take extra care for foreigners and/or pr
Jimmy Chew
[1:22 pm, 30/09/2020] +: Where medisave savings come from? Where does your cpf money comes from?
Sam
[1:23 pm, 30/09/2020] +: Option 3 not likely, if proven unaffordable, medifund will be available for help.
Berny
[1:23 pm, 30/09/2020] +: 50% employer and 50% from you, take it that the medisave comes from the employer part and you pay for the housing and/or retirement
[1:23 pm, 30/09/2020] ☸️ Danny 心:
Our government is compassionate and will not let such thing happens.
Mr LKY long time back pledge and I think our PM say the same thing, no one who need hospitalisation treatment will not get it.
But everyone must chip in to co-pay.
Sam
[1:23 pm, 30/09/2020] +: It is either you use medisave to pay premium or to pay the hospital bill. Which would you prefer?
Berny
[1:24 pm, 30/09/2020] +: Correct me if I'm wrong ya, but I know we can transfer CPF monies to immediate family members, does it apply to medisave as well?
[1:24 pm, 30/09/2020] ☸️ Danny 心:
I think can.
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[1:21 pm, 30/09/2020] ☸️ Danny 心: https://www.channelnewsasia.com/news/commentary/us-dollar-exchange-rate-fed-interest-saving-budget-deficit-covid-13155722
[1:21 pm, 30/09/2020] ☸️ Danny 心:
1. US domestic savings plunge.
2. US budget deficit widen (higher public debt)
3. US current account deficit increasing (import exceed export, interest earning and dividend fall)
These triple whammy will cause a sharp drop in US currency.
Singapore hold quite a big amount of US$ for trade and as a financial hub - for currency exchange as well as holding US currency as part of our reserves.
Singapore with this news must hedge against the devaluation of US currency that will deplete our reserves wealth.
[1:21 pm, 30/09/2020] ☸️ Danny 心:
The fourth important factor is that FED will maintain a 0 interest rate for a long time even if inflation go above 2%.
This make holding US currency extremely undesirable - as the value of US currency will keep depreciating.
I think we may need to maintain more bilateral currency swap with all our main trade partners eg. Yuan, euro, yen, Aussie dollars, ASEAN currencies etc instead of using US currency as money exchange for trade.
We only keep some amount of US currency that are required for trade, and exchange.
While we keep yuan, euro or some major currencies as reserves rather than predominantly US currency.
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Berny
[1:24 pm, 30/09/2020] +: It is happening, let's face it, while most of the needy gets subsidy from social workers in hospital, there are some with inflated ego who refuse to do so and create fake news
Sam
[1:25 pm, 30/09/2020] +: I have already mentioned that government can only subsidise to certain extend, which is a lot. Do you prefer to pay what is not subsidised by cash or medisave or insurance coverage?
Berny
[1:25 pm, 30/09/2020] +: not to mention, CPF monies got higher interest rate compared to bank
[1:26 pm, 30/09/2020] +: and ownself volunteer top up cpf money got some extra perks I think
[1:27 pm, 30/09/2020] ☸️ Danny 心:
Our government reserves don't fall from the sky - many decades of hard work to accumulate.
This covid-19 already make the government draw out $100 billion - and all gone within 6 months.
Temasek $306 billion take 40 years toeaddy accumulate.
We already use 1/3 of it.
Jimmy Chew
[1:28 pm, 30/09/2020] +: What about the low Income? They don't have enough to survive. 🤣
Ken
[1:28 pm, 30/09/2020] +: 😢
Berny
[1:28 pm, 30/09/2020] +: got many assistance out there ma
[1:28 pm, 30/09/2020] +: comcare from CC, SSO got their own assistance, some VWO take care of certain estate, hospitals have social workers to guide them
[1:28 pm, 30/09/2020] +: even the recent covid assistance
[1:30 pm, 30/09/2020] ☸️ Danny 心:
That's why you have 3 options;-
1. Buy your own insurance
2. Pay from your own savings
3. Wait die
If you don't want to pay from medisave scheme.
Choose one.
Berny
[1:31 pm, 30/09/2020] +: I choose 4. create fake news on social media to stir the ground sentiments 🤭
[1:32 pm, 30/09/2020] ☸️ Danny 心:
Then pofma will come or other law will come in.
Berny
[1:32 pm, 30/09/2020] +: it will, but at times like this, pofma is moving quite slowly if you realise, fake news judgement stopped after election
[1:33 pm, 30/09/2020] ☸️ Danny 心:
So let them choose the 3 options if they object to medisave scheme.
Berny
[1:33 pm, 30/09/2020] +: speaking of pofma, can we also talk about poha? protection from harassment act
Rama
[1:33 pm, 30/09/2020] +: Yes
Jimmy Chew
[1:34 pm, 30/09/2020] +: That's why you have 3 options;-
1. Buy your own insurance
2. Pay from your own savings
3. Wait die
4. Create fake news
If you don't want to pay from medisave scheme.
Choose one.
[1:34 pm, 30/09/2020] +: Interesting thoughts
Rama
[1:34 pm, 30/09/2020] +: 1 back up by 2. If die, better instantly!
jimmy Chew
[1:35 pm, 30/09/2020] +: What make people create fake news that poor people can't afford increase in taxes, utilities and cost if living.
[1:35 pm, 30/09/2020] ☸️ Danny 心:
5. Pay from medisave scheme is cheaper and better than all the options.
jimmy Chew
[1:35 pm, 30/09/2020] +: The old have to collect card boxes to survive?
Rama
[1:35 pm, 30/09/2020] +: 😒😔😞
Berny
[1:36 pm, 30/09/2020] +: I'm speaking on a true story which happened on me.
- I've been harassed by this resident at workplace for a year plus
- December last year, I decided that enough is enough and went to Court to lodge a magistrate complain
- Court asked police to investigate, the IO wasn't keen on the case during the interview ("I've got no time, just play the important part of the voice recording")
- Court subsequently throw out the case and deem it as no case
- Police called me up and told me that this guy has mental issue and POHA doesnt really apply to him, hence case close
[1:36 pm, 30/09/2020] +: so if i interpret it correctly, it means that I can go around harassing people if I am deemed "mentally unstable"
[1:36 pm, 30/09/2020] +: and the law cant do much to me, not even sending me to imh for check up
Jimmy Chew
[1:37 pm, 30/09/2020] +: So sorry.
Rama
[1:37 pm, 30/09/2020] +: Food for thought
[1:37 pm, 30/09/2020] ☸️ Danny 心:
Check with ministry of community welfare scheme.
Berny
[1:37 pm, 30/09/2020] +: don't be, it's not your fault or our fault 😊
Jimmy Chew
[1:37 pm, 30/09/2020] +: I am sure there are objective measurements to ascertain someone is of unsound mind
Berny
[1:38 pm, 30/09/2020] +: I am pretty sure too, but, case was closed without any updates and he went Scott free
[1:38 pm, 30/09/2020] +: oh and the advice from the IO, the best one
[1:38 pm, 30/09/2020] +: call 999 if he harass you
[1:39 pm, 30/09/2020] +: waste of resources imo
Jimmy Chew
[1:39 pm, 30/09/2020] +: What will they do?
Berny
[1:39 pm, 30/09/2020] +: they cant do much also anyway
[1:39 pm, 30/09/2020] +: past 4-5 calls this year, he simply run away before police come
Alvin
[1:40 pm, 30/09/2020] +: Is that person really mentally unsound?
Berny
[1:40 pm, 30/09/2020] +: This one hor, I think they need to know where to seek the right assistance, I'm pretty sure most SSO would love to help
Alvin
[1:40 pm, 30/09/2020] +: If really mental case will get lock up bah
Berny
[1:41 pm, 30/09/2020] +: mentally unsound but under control with medication, he is a bright guy too, he knows the law and stuff and speak eloquently
[1:41 pm, 30/09/2020] +: If he is mentally sound, I would love to learn from him 🤭
[1:42 pm, 30/09/2020] ☸️ Danny 心:
How did he entangled with you?
[1:42 pm, 30/09/2020] ☸️ Danny 心:
Some thing must have triggered it.
Berny
[1:44 pm, 30/09/2020] +: Some stuff are best left unknown, but somehow he got this impression that the Managing Agent of the estate is embezzling money, it also include the previous company before us and the one before the previous 🤭
[1:44 pm, 30/09/2020] +: We did challenge him to lodge a report under police for investigation, or go to BCA to complain if he wish to, but it didn't happened
Alvin
[1:45 pm, 30/09/2020] +: Electricity tariffs to rise 9% for households in next 3 months; gas prices to increase 5%
https://www.straitstimes.com/singapore/electricity-tariffs-to-rise-9-for-households-in-next-3-months-on-higher-energy-costs?xtor=CS3-18&utm_source=STiPhone&utm_medium=share&utm_term=2020-09-30%2013%3A09%3A56
[1:45 pm, 30/09/2020] +: Suddenly announce so many things price increase wor
Berny
[1:45 pm, 30/09/2020] +: 9% isn't that bad imo
[1:46 pm, 30/09/2020] ☸️ Danny 心:
Next time he come, don't get agitated.
Tell him calmly, I will call police on your behalf and solve this problem once and for all.
Sound sincere that you want to help him.
Berny
[1:47 pm, 30/09/2020] +: oh, I've tried all sorts of approach, calling 999 when he comes to harass me is the best way out
[1:47 pm, 30/09/2020] +: I've tried both hard and soft approach
[1:47 pm, 30/09/2020] ☸️ Danny 心:
Did you change your plan to open electricity, the price constant, no increase.
Alvin
[1:47 pm, 30/09/2020] +: Yup
[1:47 pm, 30/09/2020] +: Geneco fixed price
Berny
[1:47 pm, 30/09/2020] +: some plan not constant, got 1 is discount of tariff, that will increase also
[1:48 pm, 30/09/2020] ☸️ Danny 心:
So we have options.
Alvin
[1:48 pm, 30/09/2020] +: But there may be others who are on the plan with trarrifs
Berny
[1:48 pm, 30/09/2020] +: since we're on this topic, ask you guys, which plan should I go for ah?
[1:48 pm, 30/09/2020] +: DOT or fixed?
Blue and White Flag Guy
[1:48 pm, 30/09/2020] +: It's funny how OEM kicked in before COVID-19 and now thanks to it, some people aren't subject to the price hikes
[1:48 pm, 30/09/2020] ☸️ Danny 心:
Then they should switch, this is an open market.
Berny
[1:49 pm, 30/09/2020] +: first time house owner here 😬
[1:49 pm, 30/09/2020] ☸️ Danny 心:
Keppel not bad.
Berny
[1:49 pm, 30/09/2020] +: I've only dealt with Pacific Light before, for my work
[1:49 pm, 30/09/2020] ☸️ Danny 心:
But not sure the fixed plan still available or not.
[1:50 pm, 30/09/2020] ☸️ Danny 心:
Do this consistently and treat it as a normal chore.
One day he will get tired and stop.
Blue and White Flag Guy
[1:51 pm, 30/09/2020] +: Since pricing plans change all the time, your best bet is to go to the OEM website and compare the different providers' offerings
Berny
[1:51 pm, 30/09/2020] +: that's what I thought, but boy... I was so wrong, it's been 2 years
[1:51 pm, 30/09/2020] ☸️ Danny 心:
If not consult a qualified psychologist how to tackle such person with such behaviour.
Correct respond will terminate his behaviour.
[1:52 pm, 30/09/2020] ☸️ Danny 心:
Else get MP to help you to tap the right agency for help.
There must be a proper recourse.
Berny
[1:53 pm, 30/09/2020] +: MP also know about this guy, MP is lawyer 🤭
[1:53 pm, 30/09/2020] ☸️ Danny 心:
Then what is his suggestion?
Berny
[1:53 pm, 30/09/2020] +: lately I'm trying the "invisible man" treatment on him, it seems to work pretty well
[1:54 pm, 30/09/2020] +: MP is doing some secret action behind the scene, it is going pretty smoothly
Alvin
[1:54 pm, 30/09/2020] +: Look at Nat’s reply
[1:54 pm, 30/09/2020] +: Got to OEM to take a look
[1:54 pm, 30/09/2020] +: *Go
Berny
[1:55 pm, 30/09/2020] +: I saw, still comparing but I don't know how individual OEM company operate
[1:55 pm, 30/09/2020] +: similar to virtual telco
[1:55 pm, 30/09/2020] ☸️ Danny 心:
Ok. Then wait for the outcome.
Alvin
[1:56 pm, 30/09/2020] +: My advise is to research for power generating companies
[1:56 pm, 30/09/2020] +: The big 5
[1:56 pm, 30/09/2020] +: Can’t remember how many of them
[1:56 pm, 30/09/2020] +: But 4 to 5 big players
Jimmy Chew
[1:56 pm, 30/09/2020] +: Just confirming. OEM means power generation companies
Alvin
[1:56 pm, 30/09/2020] +: Shortlist call and compare
[1:56 pm, 30/09/2020] +: Open Electricity Market
Berny
[1:56 pm, 30/09/2020] +: - TPG got good rates, but connection is horrible in the west.
- GOMO (Singtel), superb connection, but lots of issues like cant receive sms otp from bank, CSO was horrid too
- GIGA (Starhub), currently using, RHB cant get SMS otp but the rest are ok, network pretty slow sometimes
Alvin
[1:56 pm, 30/09/2020] +: OEM
Berny
[1:57 pm, 30/09/2020] +: but electricity, I don't dare to go for trial and error like telco, 1 wrong move and my electrical appliance could be fried
[1:58 pm, 30/09/2020] +: fried as in power surge during power trip etc, not overloaded fried
Jimmy Chew
[1:58 pm, 30/09/2020] +: This is like increase medisave fees( electricity oem). We sign up for 2 year at fixed rate then the increase comes after that. Yuu have no choice but gotta pay for medisave🤣
[1:58 pm, 30/09/2020] ☸️ Danny 心:
Such things won't happen. It is transparent.
The underlying power grid is still SP power.
Jimmy Chew
[1:58 pm, 30/09/2020] +: Why can't medisave discover new creative solutions rather than always raise prices
Berny
[1:58 pm, 30/09/2020] +: Really ah, then I go with the cheapest one liao
[1:58 pm, 30/09/2020] +: kam xia
[1:59 pm, 30/09/2020] ☸️ Danny 心:
Because the claim keep going up.
Berny
[1:59 pm, 30/09/2020] +: because insurance company need x amount of collection to pay x amount of risk
[1:59 pm, 30/09/2020] ☸️ Danny 心:
Go for reputable one.
Berny
[1:59 pm, 30/09/2020] +: and we are approaching the ageing population very soon
[1:59 pm, 30/09/2020] +: reputable and cheap is geneco right now i think
Jimmy Chew
[2:00 pm, 30/09/2020] +: I have a local CEO always cut costs to the point that we cannibalise mouse. The ang moh CEO young wizz kid, he say for every $1 dollar coat you can show profit. I will do 👍
[2:00 pm, 30/09/2020] ☸️ Danny 心:
If others find this good, then go for it.
Berny
[2:01 pm, 30/09/2020] +: I seems to go off topic everytime i join the discussion 🤭
Jimmy Chew
[2:01 pm, 30/09/2020] +: It's okay. That's dialogue. We're enjoying it
Berny
[2:02 pm, 30/09/2020] +: ok, then i dont hold back liao
[2:02 pm, 30/09/2020] +: wifi for house leh? which one you all recommend
Jimmy Chew
[2:02 pm, 30/09/2020] +: Our brilliant minds should have brilliant solutions not increase price 🤣 anyone can do it
[2:02 pm, 30/09/2020] ☸️ Danny 心:
Singtel reliable.
Berny
[2:02 pm, 30/09/2020] +: assuming maximum of 6 person tapping on it together and watch video or play game
[2:03 pm, 30/09/2020] +: I was thinking of this and starhub, but both force me to have a land line for some weird reason
[2:03 pm, 30/09/2020] +: it's "free" under the plan
Alvin
[2:03 pm, 30/09/2020] +: No worries
[2:03 pm, 30/09/2020] ☸️ Danny 心:
You must have fibre to drive the gigabit bandwidth.
ALvin
[2:03 pm, 30/09/2020] +: All feedback will be taken note and given to relevant agencies
Bermy
[2:03 pm, 30/09/2020] +: the open net thing was setup recently during the reno
[2:04 pm, 30/09/2020] +: the terminal point, the rest is up to the isp to install
[2:04 pm, 30/09/2020] ☸️ Danny 心:
Wireless without fibre don't work well.
Ken
[2:05 pm, 30/09/2020] +: Fixed so won’t have much changes for the duration you sign
Blue and White Flag Guy
[2:05 pm, 30/09/2020] +: All requests for help will never be turned down! :)
[2:05 pm, 30/09/2020] ☸️ Danny 心:
Next generation broadband is fibre to the home and using gateway to allow internet access and digital broadcast TV, internet and WiFi access.
Blue and White Flag Guy
[2:05 pm, 30/09/2020] +: I use Starhub for my home Wi-Fi, quite affordable too
Berny
[2:05 pm, 30/09/2020] +: i wrote in to mp pre CB, mp no reply to my email, i message him on fb and he ask me to write in, which i did, but till now no reply
Blue and White Flag Guy
[2:06 pm, 30/09/2020] +: I mean help from us lah 🤭
Berny
[2:06 pm, 30/09/2020] +: election over liao he is out of that constituency and still mia
[2:06 pm, 30/09/2020] +: 🤭
Blue and White Flag Guy
[2:06 pm, 30/09/2020] +: You kena bamboozled by MP
Berny
[2:06 pm, 30/09/2020] +: really ah! I need help moving house in oct!
[2:06 pm, 30/09/2020] +: 1 end to the other end of sg
Blue and White Flag Guy
[2:07 pm, 30/09/2020] +: Siao! Advice maybe still can :3
Berny
[2:07 pm, 30/09/2020] +: not that far la, jurong to punggol only 😬
[2:07 pm, 30/09/2020] +: after that can go coney island walk walk
Blue and White Flag Guy
[2:08 pm, 30/09/2020] +: Punggol ah maybe you can make acquaintance with @Alvin!
Berny
[2:08 pm, 30/09/2020] +: 🤭
Jimmy Chew
[2:08 pm, 30/09/2020] +: Shifting whole home?
Blue and White Flag Guy
[2:08 pm, 30/09/2020] +: Uproot the foundation also? 😂
Berny
[2:08 pm, 30/09/2020] +: not whole la
[2:09 pm, 30/09/2020] +: a van will do
[2:09 pm, 30/09/2020] +: currently renting a place ma
Jimmy Chew
[2:09 pm, 30/09/2020] +: Covered one. This period raining
Berny
[2:09 pm, 30/09/2020] +: I was considering to pay movers to do it, but they no have van, smallest vehicle is lorry which is troublesome
[2:09 pm, 30/09/2020] +: need to go office and apply for moving permit and stuff
Jimmy Chew
[2:13 pm, 30/09/2020] +: Great
[2:14 pm, 30/09/2020] +: Likewise
[2:14 pm, 30/09/2020] +: Yes
Jimmy Chew
[2:17 pm, 30/09/2020] +: this one hor, benefit of doubt ya, he was too busy and overlooked
[2:17 pm, 30/09/2020] +: since there was a change in profile and constituency before erection
[2:18 pm, 30/09/2020] ☸️ Danny 心:
Without fiber, people will still get access to TV and internet - but highly unreliable.
1. Buy TV with external antenna - but transmission always disrupted.
2. Use handphone with 4G use as access point to internet. Then all the people inside the house use this 4g phone to access internet by turning the WiFi on.
Jimmy Chew
[2:18 pm, 30/09/2020] +: Seems residents commenting their MP (Indranee Rajah) not reading their e-mails to her. Saw it on the nestia app
[2:18 pm, 30/09/2020] ☸️ Danny 心:
So if Singtel or starthub go down, can use this interim workaround to access TV and internet.
Berny
[2:18 pm, 30/09/2020] +: 🤭 Let's not talk about MP la, although I know I started it. It may get political
Rama
[2:18 pm, 30/09/2020] +: Home wired up with fiber long ago.
[2:19 pm, 30/09/2020] +: Oops!
[2:19 pm, 30/09/2020] ☸️ Danny 心:
That's why by default, fibre is a necessity, not an option.
Rama
[2:20 pm, 30/09/2020] +: Agree
Berny
[2:21 pm, 30/09/2020] +: let's talk about another sensitive topic: Religion and Racism
Rama
[2:21 pm, 30/09/2020] +: Yes
[2:22 pm, 30/09/2020] +: Another issue regarding hijab. Muslim cooking class organisers says muslim women cannot wear hijab to class!?
[2:22 pm, 30/09/2020] +: On sgnews app.
Berny
[2:24 pm, 30/09/2020] +: I would assume that the organiser is a private one?
[2:26 pm, 30/09/2020] ☸️ Danny 心:
Religion and racism is the "💓 Heart".
This is the fundamental and the lowest denomination.
If everything is base on this denomination, then everything is Universal.
Berny
[2:27 pm, 30/09/2020] +: I think that Race and Religion education was somehow being left out from school
Blue and White Flag Guy
[2:27 pm, 30/09/2020] +: It's not exactly left out, it's more about a form of cultural exchange between the students
Berny
[2:27 pm, 30/09/2020] +: Although I understand that schools cant teach everything, but I sure hope this 2 topic can be added in as a subject, together with graciousness and courtesy in the future
[2:28 pm, 30/09/2020] ☸️ Danny 心:
The 💓 Heart - love for mankind - in this life and the after life.
Berny
[2:28 pm, 30/09/2020] +: not everyone thinks so
[2:28 pm, 30/09/2020] +: look at the comments from the recent sembawang temple fire, everyone bashing the temple and some bashing the religion, because of lives lost
[2:28 pm, 30/09/2020] ☸️ Danny 心:
Which religion is not based on this denomination?
Berny
[2:29 pm, 30/09/2020] +: Religion can preach that, but does the followers/devotees practise that?
[2:30 pm, 30/09/2020] +: I don't know much about other religions (I was an aethist for around 30 years), but generally, most religions will tell their devotees not to indulge in common sins like killing, having ill intents/thoughts
[2:30 pm, 30/09/2020] +: but that's not what we see on the street
[2:30 pm, 30/09/2020] +: again, I'm not trying to stir the feelings/emotions ya
[2:31 pm, 30/09/2020] ☸️ Danny 心:
It's the followers/devotees' fault.
Not the religions' fault.
The religions being distorted to serve ones' self interest not the mankind interest.
[2:32 pm, 30/09/2020] +: You mean election 🤣
Jimmy Chew
[2:33 pm, 30/09/2020] +: Yes
Berny
[2:33 pm, 30/09/2020] +: Correct, so thats where the education have to come inp
[2:33 pm, 30/09/2020] +: Oops
[2:35 pm, 30/09/2020] ☸️ Danny 心:
Correct the heart ❤️, everything will fall in its place.
No need complicated text.
Berny
[2:36 pm, 30/09/2020] +: So how to correct the heart? Last time got 好公民 and courtesy lion, now no more i think
[2:38 pm, 30/09/2020] +: This one is pretty normal I guess, not everyone is sensitive towards other races (i wont be surprised if some organiser or HR ask about a Singh's turban)
[2:38 pm, 30/09/2020] ☸️ Danny 心:
仁者无敌。
万法由心💕修。
Berny
[2:38 pm, 30/09/2020] +: Buddhism
Blue and White Flag Guy
[2:39 pm, 30/09/2020] +: I think this topic isn't appropriate anymore, it's become a tool to propagate religion
Berny
[2:39 pm, 30/09/2020] +: I guess so... can continue with race?
[2:39 pm, 30/09/2020] ☸️ Danny 心:
Compassion is supreme.
Correcting ones behaviour start from the heart.
Blue and White Flag Guy
[2:39 pm, 30/09/2020] +: Seems fine to me! :)
Berny
[2:39 pm, 30/09/2020] +: The hijab and turban issue
[2:40 pm, 30/09/2020] +: And racial tolerant
[2:40 pm, 30/09/2020] ☸️ Danny 心:
Compassion is universal.
It applies to all religions or no religions.
Berny
[2:41 pm, 30/09/2020] +: How can we have a more inclusive society?
[2:41 pm, 30/09/2020] +: More racial tolerant society?
[2:41 pm, 30/09/2020] ☸️ Danny 心: Compassion with heart.
[2:42 pm, 30/09/2020] ☸️ Danny 心: Anchor on wisdom.
Berny
[2:42 pm, 30/09/2020] +: It will somehow interlink with foreigner related issue btw
Blue and White Flag Guy
[2:42 pm, 30/09/2020] +: People have to understand one another's culture
Berny
[2:42 pm, 30/09/2020] +: How to force it into peoples brain?
Rama
[2:43 pm, 30/09/2020] +: One potential employer did!
[2:43 pm, 30/09/2020] ☸️ Danny 心:
Not mindless compassion with out wisdom and bankrupt the State.
This medisave scheme is one such example.
Berny
[2:43 pm, 30/09/2020] +: Im not surprised 🤭
Blue and White Flag Guy
[2:43 pm, 30/09/2020] +: Force never works, it will only backfire
Rama
[2:43 pm, 30/09/2020] +: Yes
Jimmy Chew
[2:44 pm, 30/09/2020] +: How did they do it?
[2:44 pm, 30/09/2020] +: 👍
Berny
[2:44 pm, 30/09/2020] +: 🤭 ok, how to educate them
Blue and White Flag Guy
[2:45 pm, 30/09/2020] +: More local cultural exchange to learn more about one another's culture through presentations and questions
Berny
[2:46 pm, 30/09/2020] +: But do we have buffers for that? Most parents only focus on academic results
[2:46 pm, 30/09/2020] ☸️ Danny 心:
As long as all policies, scheme and programme are based on 3 value system, then the programme will succeed:-
1. Compassion
2. Wisdom
3. Selfless service
Berny
[2:46 pm, 30/09/2020] +: For this, I think some primary schools are practicing "cross racial dressing" during their major festivals
Blue and White Flag Guy
[2:46 pm, 30/09/2020] +: I don't get what you mean by buffers. People of course focus a lot on academic results but so what if you're a "genius" but you just suck at interpersonal relationships due to that lack of sensitivity?
Rama
[2:47 pm, 30/09/2020] +: Mentioned during interview so potential employee carried incident onto social media
[2:47 pm, 30/09/2020] ☸️ Danny 心:
Eg. The medishield scheme is based on these 3 attributes.
Berny
[2:48 pm, 30/09/2020] +: Buffer as in does the schools have space to slot in the extra education on racial harmony? Or will the parents support and help in educating their children those?
Blue and White Flag Guy
[2:48 pm, 30/09/2020] +: You don't need more space for that, children are curious about things, leverage on that curiosity to get started
Boon
[2:49 pm, 30/09/2020] +: Dear REACH, thank you for sharing this important development. With a longer average lifespan, this is an important initiative. Thank you. Overall, the higher coverage is important for all of us, since patients and their families should not be burden by financial costs after medical recovery. Sustaining the ability to pay the premium to avoid financial burden is therefore an important factor too.
Your question on how it would benefit us is a great rally to take a look at what are the new benefits vis-a-vis the full cost of premium when the subsidy runs out. For example, does the additional benefits cover more expenses INCLUDING medical equipments that are associated with recovery from top illnesses in SG? Does it cover more medical conditions? What is an estimated new premium per person per month - is the SGD360 million in govt subsidy (next 2 years) of the additional premium indicative of what the citizens will need to bear by ourselves after the subsidy has ran out? On a longer term, are there decisive plans to rein in medical cost inflation in Singapore - so that any future increase in premiums can be managed now - for the system can continue to deliver responsive medical care especially for those who cannot afford private care?
Berny
[2:51 pm, 30/09/2020] +: I dont have kids yet so I cant comment on it, but the right guidance for the curiosity is important, back then I think the emphasis was courtesy, mother tongue and sex education during the 90s
[2:52 pm, 30/09/2020] +: While I'm not the brightest children in the cohort, i learnt those well, but went astray along the way and dropped out of school 🤭
[2:52 pm, 30/09/2020] +: And fyi, I was pretty racist back then, but not the extreme type
Jimmy Chew
[2:53 pm, 30/09/2020] +: Sex education in 2020 is where and atcwhat education level being taught!?
Berny
[2:54 pm, 30/09/2020] +: I learn it during sec 3, 2005
Blue and White Flag Guy
[2:54 pm, 30/09/2020] +: I think we are all innately racist in some way due to our upbringing
Berny
[2:55 pm, 30/09/2020] +: Correct, it was passed down from the family. HDB is doing a good job by having the racial quota to allow children of different races to mix
[2:55 pm, 30/09/2020] +: But how can the schools reinforce that ideology further, before the family ideology corrupts the whole thinking?
[2:56 pm, 30/09/2020] ☸️ Danny 心:
Racism is anchor on sight and perceived differences.
It is not anchor on the foundation of the heart ❤️ where all humans are the same and equal
Blue and White Flag Guy
[2:56 pm, 30/09/2020] +: ...
Rama
[2:56 pm, 30/09/2020] +: Yes
[2:56 pm, 30/09/2020] +: Agree
Berny
[2:56 pm, 30/09/2020] +: I think I know why theres this comment 🤭
[2:56 pm, 30/09/2020] +: Back to local cultural exchange etc right?
Blue and White Flag Guy
[2:57 pm, 30/09/2020] +: Now you know why we call him Zen beng
Berny
[2:57 pm, 30/09/2020] +: Good to make peace with own self ma
[2:57 pm, 30/09/2020] +: Calms the mind 🤭
Blue and White Flag Guy
[2:57 pm, 30/09/2020] +: Misplaced priorities tbh
Berny
[2:57 pm, 30/09/2020] +: But this is important
[2:58 pm, 30/09/2020] ☸️ Danny 心:
Calming the mind is Universal.
It applies to all religions and no religions.
Blue and White Flag Guy
[2:58 pm, 30/09/2020] +: It is, but someone is propagating too much of something as you can tell by now
Berny
[2:58 pm, 30/09/2020] +: We need people with different priorities and life stage for a more complete ground sentiments
[2:59 pm, 30/09/2020] ☸️ Danny 心:
Unless people don't believe in calming their minds.
Berny
[3:00 pm, 30/09/2020] +: Its how your put the message across, forcing it down somebody throat isnt a good way to change somebody mind
Blue and White Flag Guy
[3:00 pm, 30/09/2020] +: Exactly what I said about how force only backfires lol, how apt
Berny
[3:01 pm, 30/09/2020] +: Ooh, I just walk past a SQ transport ambassador i think
[3:01 pm, 30/09/2020] ☸️ Danny 心:
Not forcing people by pushing the message but by reasoning that calming of minds is good at solving problems.
Unless people think otherwise.
Berny
[3:01 pm, 30/09/2020] +: Im pretty proud of the SQ standard 🤭
Blue and White Flag Guy
[3:02 pm, 30/09/2020] +: Honestly I think nothing of them lol
Suma Pamu
[3:02 pm, 30/09/2020] +: Will Singapore Able to afford Canadian Health care Model instead?!
Why not Increase Tax also..(along with More Insurance coverage) And Make the Healthcare Free... Isn't it better?!
If one is suffering From rare Desease at 40s Asking him to keep money For his old age.. does it make sense to him?! Does any one Can guarantee that He can live Upto 60s to use that money he earned before?!
Singapore has many Rich people Also Middle class, by increasing Taxes Govt can get revenue and Can use directly for health care...
Recently during a Hospital visit one guy is Arguing with some One about same thing..
He has Medisave but Can only use limited money For Tests each year... And he can not afford to pay For all tests himself.. he feels it's unfair..
Even I do feel Unfair..
When ever it comes to health The present situation and Getting treatment for present Condition is THE PRIORITY... Whether How long one can live or not
No one knows..
"It's like Because You need to eat Tomorrow .starve yourself Today""
This is Not correct.. ofcourse we need to watch out for Tomorrow but Deffinatly not By Starving today ""
If You ask me Whole health care System need to revamped. J
Berny
[3:05 pm, 30/09/2020] +: I agree with what you say... but on the "recent" incident which was the example, I hope you can agree with me.
A limit is there for a reason, similar to how some wish to fully withdraw their CPF/retire sum at 1 go. It sounds really nice on paper to have an unlimited cap on the amount you can use each time, but what happens when accident happen and you ran out of medisave?
[3:06 pm, 30/09/2020] +: Same logic applies to full cpf withdrawal upon hitting xx age, withdraw everything today and if you lose everything tomorrow, whats next?
Suma Pamu
[3:07 pm, 30/09/2020] +: Like I mentioned
For HEALTH CARE
Present is important.... because need to be alive till tomorrow... To get Accident ... If I am dying today..
Can not compare with other Things Like
Using CPF for Housing etc..
Berny
[3:09 pm, 30/09/2020] +: Agree on the alive part. But there are many assistance out there if you are unable to pay for the excess sum aftsr subsidy and medisave. Besides, I doubt any hospital will deny anyone treatment if anyone have any outstanding debt
----
[3:07 pm, 30/09/2020] ☸️ Danny 心: https://www.channelnewsasia.com/news/commentary/us-dollar-exchange-rate-fed-interest-saving-budget-deficit-covid-13155722
[3:07 pm, 30/09/2020] ☸️ Danny 心: Will interest rate go negative? Means we have to pay bank for our deposits
[3:07 pm, 30/09/2020] ☸️ Danny 心: No will not.
Negative interest is an unorthodox monetary policy shun by many economists.
It is used by Japan and then EU.
It will cause permanent damage to the economy.
[3:07 pm, 30/09/2020] ☸️ Danny 心: 1. Negative interest will deter people from putting money in the bank and instead invest in risky toxic assets - economy may collapse due to artificial bubble and bad investment.
2. Banks cannot survive as people don't want to put saving in banks.
3. Banks cannot loan to business, economy collapse.
[3:07 pm, 30/09/2020] ☸️ Danny 心: Banks is a important multiplier of business and economy.
If banks fail, the whole economy fail.
Fed and Singapore as well as many economists has ruled out negative interest rate.
[3:07 pm, 30/09/2020] ☸️ Danny 心: It will also cause harm to Singapore as a financial hub.
Imagine which investors will put their money into Singapore if our banks don't pay interest?
Investors will pull their money out resulting in big money outflow from our financial hub.
[3:07 pm, 30/09/2020] ☸️ Danny 心: https://www.forbes.com/sites/rogerhuang/2020/06/10/negative-interest-rates-are-destroying-europes-finances-driving-demand-for-cryptocurrency/#3a0519e56883
Berny
[3:07 pm, 30/09/2020] +: Good time to invest and stock up on usd
Berny
[3:07 pm, 30/09/2020] +: Crisis is the best time to step into investment world, slowly and carefully
[3:09 pm, 30/09/2020] ☸️ Danny 心:
US deficit $26 trillion.
A virtual bankrupt.
Berny
[3:09 pm, 30/09/2020] +: Buy low sell high
[3:10 pm, 30/09/2020] ☸️ Danny 心:
Well I am risk aversive.
I don't speculate in foreign currencies.
Berny
[3:11 pm, 30/09/2020] +: Currency will drop (similar to banana notes), but they will bounce back some day (banana notes in mint condition are worth some money now)
[3:11 pm, 30/09/2020] +: I think 50 cents bad condition note is worth $3 last year
[3:12 pm, 30/09/2020] ☸️ Danny 心:
MAS will have to do it because of trade and as financial hub.
But MAS have to do it carefully, because US currency don't know can hold for how long as China is going on different track with yuan digital currency.
Many countries are also doing bilateral currency swap - and not trusting US currency.
[3:13 pm, 30/09/2020] ☸️ Danny 心:
Temasek is issuing a 10, 30 and 50 years US currency bond.
I think we know how to hedge it well.
But just be mindful that US currency cannot hold it like precious instruments.
[3:14 pm, 30/09/2020] ☸️ Danny 心:
Else our financial reserves will be depleted.
-----
Suma Pamu
[3:16 pm, 30/09/2020] +: Also As we are talking about Healthcare..
I want to give 2more cents😉
I sincerely feel Sg public hospitals Are short-handed...
Not only Allied health professionals..
I am saying Doctors and Surgeons
Are Relatively Less than required...
I faced myself Issue number of Times .. to get a Specialist appointment need to wait Atleast few months ?! Why Such A long wait?! I can understand 1 or 2 weeks waiting
(That much wait is ok.. but Asking them to wait 3 or 4 months..?!... How does the Patient Feel?! For doctor It may not be Emergency situation but For patient It will be A horrible time to wait)..
If Sg can afford other infrastructure Deffinatly can afford more Doctors and Surgeons..
Also A recent case (a p6girl I know Got Pancreatic cancer)..
And Fortunately the Surgery went well.. but The Surgeon themselves told The patient parents that they have Never done Such kind of surgery before!!
Can you imagine The parents agony?! World number one city in everything ..but When it comes to health care.. Sg need to be improved A LOT ..
These are my 2cents when comes to health care
Berny
[3:17 pm, 30/09/2020] +: We need to overcome the social stigma of having male nurse and to arouse the interest of students to sign up and be a nurse while not lowering the entry requirement barrier, not easy
Rama
[3:20 pm, 30/09/2020] +: Government is working on mid career switch for essential Services.
----
Ben
[3:27 pm, 30/09/2020] +: It doesn't always bounce back, that's a myth. Many currencies have declined never to go back to the high points.
[4:02 pm, 30/09/2020] ☸️ Danny 心:
Precisely speculation in foreign currencies is a high risk.
MAS, a central bank will how to peg it and hedge it appropriately for trade and currency swap.
Thus layman is not in the best position to indulge in it - else can be badly burnt.
Currency exchange is usually based on economic situation, monetary policy and speculative elements - a very sophisticated structure behind it and usually beyond the knowledge of most people.
----
Stella
[3:30 pm, 30/09/2020] +: Short handed partly bcos our system relies too much on nurse aid to the patients. In Taiwan, patients are expected to be warded with a family member. Otherwise family member need to hire someone to sleep in throughout the patient's stay in ward. Feeding of medicine, going to toilet, getting water and such is done by family. Nurse only issue medicine, do injections and other professional stuff.
Rama
[3:34 pm, 30/09/2020] +: Can consider this here!?
Stella
[3:34 pm, 30/09/2020] +: Yes I wish
[3:36 pm, 30/09/2020] +: Many Hong Kong people move to Taiwan because of the health care costs.
Valli
[3:39 pm, 30/09/2020] +: + 1
anfan
[3:40 pm, 30/09/2020] +: Then there must be many family members in the hospital. Those who do not have family members have to hire someone. Family members need to take leave
[3:41 pm, 30/09/2020] +: Should family members stay ovenight at hospital to take care?
Rama
[3:42 pm, 30/09/2020] +: Point noted
anfan
[3:43 pm, 30/09/2020] +: Family members also may also have kids to take care
Suma Pami
[3:51 pm, 30/09/2020] +: As I mentioned it is not only about Nurses
It's about Doctors and Surgeons
REACH
[3:56 pm, 30/09/2020] +: 23 new Covid-19 cases in Singapore, including 3 in the community and 4 imported
https://www.straitstimes.com/singapore/health/23-new-covid-19-cases-in-singapore-including-3-in-the-community-and-4-imported?xtor=CS3-18&utm_source=STiPhone&utm_medium=share&utm_term=2020-09-30%2015%3A09%3A31
Stella
[4:00 pm, 30/09/2020] +: Of course. The family or care giver needs to attend to the non medical needs of the patient.
[4:01 pm, 30/09/2020] +: There is always a choice. Family care is free, paid by love. Otherwise hire care giver, paid by money.
Suma Pamu
[4:02 pm, 30/09/2020] +: Also about Medisave and Subsidies many patients Not fully aware of how it works ..
And Most Of elderly (or soon to be) are alone with out any immediate family members..
Having One illness is One thing and Running to Here and there for Money issues will be so tough..
Making it Free For any illness is the Only best way which actually can fulfill the needs...
(Again I will say If can Afford the best Infrastructure in Other areas health care also can be done..)
Just that I feel This was not given The Number 1 priority yet..
Atleast with The Great pandemic we are Facing.. health care should Come First and Foremost issue To fix.
Rama
[4:04 pm, 30/09/2020] +: Yes
REACH
[4:37 pm, 30/09/2020] +: [Sent by Gov.sg – 30 Sep]
As of 12pm, MOH has preliminarily confirmed an additional 23 cases of COVID-19 infection in Singapore.
Based on investigations so far, there are 3 cases in the community (3 Work Pass holders).
In addition, there are 4 imported cases who had been placed on Stay-Home Notice upon arrival in Singapore.
MOH will share further updates in its press release that will be issued later tonight.
go.gov.sg/moh30sepupdate
Rama
[4:42 pm, 30/09/2020] +: https://mothership.sg/2020/09/9-hdb-carparks-urban-farm/
Berny
[4:59 pm, 30/09/2020] +: It can be done, but the question is, are we ready for tax increase? Someone have to pay the doctors and infrastructure you know
[5:02 pm, 30/09/2020] +: Singapore is a small country and we do not have the population to spread the cost, the increase will likely be a huge one
[5:05 pm, 30/09/2020] ☸️ Danny 心:
Make health care free - is economic suicide.
No countries in the world can afford free health care.
Not even the richest countries in the world.
Rama
[5:05 pm, 30/09/2020] +: Agree
[5:06 pm, 30/09/2020] +: Agree
Rama
[5:07 pm, 30/09/2020] +: More help for firms, individuals to get rental relief as coronavirus legislation comes into force
https://www.straitstimes.com/business/more-help-for-firms-individuals-to-get-rental-relief-as-coronavirus-legislation-comes-into?xtor=CS3-18&utm_source=STiPhone&utm_medium=share&utm_term=2020-09-30%2017%3A09%3A32
CQ
[5:07 pm, 30/09/2020] +: I agree. Free healthcare is funded by taxes. You're paying the bill for your parents' and grandparents' generation. But hey you young people, you're not having kids. So who's gonna pay your bill when it's your turn?
Berny
[5:08 pm, 30/09/2020] +: Another perspective to look at it is the pwm or minimum wage model. Raising pay for lower income sounds great right? We have to know that the cost is pushed to the end consumer and it will increase the overall living cost
Ana
[5:08 pm, 30/09/2020] +: Isn't that why we're all working longer hours and for longer years? 😂
CQ
[5:09 pm, 30/09/2020] +: Yeah and it doesn't go towards your own bank. It goes towards current spending.
Ana
[5:09 pm, 30/09/2020] +: I'm confused. What is this assumption based upon?
Berny
[5:10 pm, 30/09/2020] +: More income equals more spending power
[5:10 pm, 30/09/2020] +: Then again, working longer hours doesnt really contribute to future generation, unless you are paid hourly
[5:11 pm, 30/09/2020] +: Eg. Ot pay or part time, then you incur more income tax
Suma Pamu
[5:15 pm, 30/09/2020] +: So you mean Canada is Not having Free Healthcare?!
As far as I know It is free for Most Health issues except for Aesthetic Dental and Paying for Drugs..
And I don't think Canada is dying
And Anyway
It is my perception
If any one asking me U want World class transport or Healthcare .. I choose Healthcare .
Transport is manageable especially in a small island Country..
[5:16 pm, 30/09/2020] ☸️ Danny 心:
How much taxes are the working people paying?
Blue and White Flag Guy
[5:16 pm, 30/09/2020] +: Transport manageable in small island country? You sure anot, you sure you not unwittingly taking our PT for granted already?
CQ
[5:18 pm, 30/09/2020] +: if you look around the world where it's based on free healthcare and welfare states, the states are always reliant on the current workforce to generate enough revenue to support the welfare schemes of those who need it. but it's fast becoming unsustainable, but it's very difficult to take back what you've already given.
in singapore, you have a CPF scheme and what you earn literally goes into your "bank". so in response to Danny's point that making healthcare entirely free would be economic suicide because someone still has to pick up the tab. and in relation to your point that that's why we're working longer hours and for longer years, it still wouldn't solve the problem because if not for Medisave, whatever taxes you're paying would have to go towards footing the welfare/free healthcare bills for the rest of the people who are drawing down on these resources.
which brings me back to my point. so what happens when you have a lower tax-paying population and you eventually have to retire or stop working, and you're going to be drawing down on those state resources for welfare and free healthcare? who's footing the bill? so yah, my ideas came across truncated but this is the gist of where i'm coming from.
[5:21 pm, 30/09/2020] ☸️ Danny 心:
Are you willing to pay $6604 in tax every year - so that you can have free health care?
Suma Pamu
[5:22 pm, 30/09/2020] +: There is No free lunch in the world that we all know
Yes I can pay 7k per year If I get Free Healthcare
Because I believe health is wealth
And if I hospitalise for some reason
We pay Minimum 2500 for 3 to 5 days..
And if ended getting MRI or Scans it will cost double
So it's ok 😉
[5:23 pm, 30/09/2020] ☸️ Danny 心:
So don't cherry pick - and jump in to say people health care free - so we must offer free as well.
People pay high tax, how much tax we pay?
Suma Pamu
[5:23 pm, 30/09/2020] +: I mentioned clearly in my first message
[5:23 pm, 30/09/2020] ☸️ Danny 心:
Yes you are willing to pay high tax for health.
But majority of people are not willing.
Suma Pamu
[5:23 pm, 30/09/2020] +: I Suggested for Increasing Tax as well
..
[5:24 pm, 30/09/2020] ☸️ Danny 心:
No. increase tax us driving talents and business away.
Suma Pamu
[5:24 pm, 30/09/2020] +: May be
But I guess they still will be paying for Increased medishield soon😀
[5:25 pm, 30/09/2020] ☸️ Danny 心:
Every country are reducing tax to attract investment - and you are suggesting increase tax that will drive away business and talent.
[5:28 pm, 30/09/2020] ☸️ Danny 心:
If you are willing to pay $6604 as tax for free health care, I don't see a reason why should you complain by paying $600 medishield premium?
Suma Pamu
[5:29 pm, 30/09/2020] +: Did I complain?!
[5:29 pm, 30/09/2020] +: Please show me where did I complain paying that ..
[5:30 pm, 30/09/2020] ☸️ Danny 心:
So your argument of high tax and free health care cannot stand water - but instead drive up our tax base --- and drive away investors, business and talents.
This will our economy.
[5:30 pm, 30/09/2020] ☸️ Danny 心:
This will kill our economy.
CQ
[5:33 pm, 30/09/2020] +: DPM Heng to deliver ministerial statement on Oct 5 before debate on COVID-19 support measures
https://www.channelnewsasia.com/news/singapore/covid-19-support-heng-swee-keat-ministerial-statement-parliament-13163954
[5:34 pm, 30/09/2020] +: Oohhh.... More measures coming in?
DS
[5:34 pm, 30/09/2020] +: Maybe more support
[5:37 pm, 30/09/2020] ☸️ Danny 心:
And free health care is a recipe of people abusing the health care service.
This explains why we pay $600 while Canadian have to pay 10 times more $6604 as tax.
Even slight itch, pain people will see doctors and abuse the free health care.
And then our healthcare costs will balloon exponentially and our tax will also increase correspondingly.
Free health care is an economic suicide.
Rama
[5:39 pm, 30/09/2020] +: Agree
Berny
[5:48 pm, 30/09/2020] +: My question got answered 🤭
[5:49 pm, 30/09/2020] +: But lets talk about tax increase, increase 3% which could be less than $1,000 for average Singaporean, already so many people cry father cry mother, if we increase it further up to 6k to match canada (assuming if we tap on reserves for the shortfall), how will the everyone else react?
Jamie
[5:50 pm, 30/09/2020] +: it would be good to include some help for households with people working from home, to cope with the increasing electricity tarriffs, which was just announced today 🙏🏼
Berny
[5:50 pm, 30/09/2020] +: This wont be give drumstick take back whole chicken anymore, it will be give 1 egg take back whole farm 😊
CQ
[5:50 pm, 30/09/2020] +: it might be a re-statement of what was announced in August though, cos Parliament wasn't sitting at that time
Berny
[5:51 pm, 30/09/2020] +: What about incentives for essential workers?
[5:51 pm, 30/09/2020] +: They will complain
Caleb
[6:09 pm, 30/09/2020] +: Alot of RCs display flags which are very faded.
REACH
[6:12 pm, 30/09/2020] +: Singapore to unilaterally lift border restrictions for visitors from Australia and Vietnam from Oct 8
https://www.straitstimes.com/singapore/transport/singapore-to-unilaterally-lift-border-restrictions-for-visitors-from-australia?xtor=CS3-18&utm_source=STiPhone&utm_medium=share&utm_term=2020-09-30%2018%3A09%3A38
Berny
[6:31 pm, 30/09/2020] +: Im glad this happened
Ben
[6:33 pm, 30/09/2020] +: 👍
[6:34 pm, 30/09/2020] +: 😷 unfortunately yes...
[6:37 pm, 30/09/2020] +: Also you wait months for an operation etc. 'Free at the point of treatment' is what they call it in the UK, but in reality the conditions are poor and you wait a long time. No MRI unless very serious case, for example. I'd not want to be ill in the UK without private health care, which means I pay twice!
[6:38 pm, 30/09/2020] +: Singapore Health Care is a good balance between places like UK ('Free' but not much treatment) and the US (Amazingly expensive but good treatment)
Rama
[6:38 pm, 30/09/2020] +: Agree
Ben
[6:39 pm, 30/09/2020] +: France is fantastic, but you pay 45% income tax and 50%(?) inheritance tax on all your global assets
Rama
[6:39 pm, 30/09/2020] +: Wow
Ben
[6:40 pm, 30/09/2020] +: Basically, healthcare is very expensive for good treament. Singapore spends the money wisely on what matters, and subsidises citizen costs.
[6:40 pm, 30/09/2020] +: It
[6:40 pm, 30/09/2020] +: It's not free, but there is a check and balance
Rama
[6:40 pm, 30/09/2020] +: Yes
[7:01 pm, 30/09/2020] ☸️ Danny 心:
Must always be careful on the lookout in case people propose something that bankrupt the Nation.
REACH
[7:02 pm, 30/09/2020] +: Dear Contributors,
We will be closing the chat for today.
Thank you very much for being part of our WhatsApp chat and participating actively.
Goodnight!
Megan
+ changed this group's settings to allow only admins to send messages to this group.
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