REACH 512 - What are your views on the latest Assurance Package? How have you and those around you been impacted, and are there enough support measures to cushion the impact of rising cost of living?
(SK)
17 Nov 2023 (10am - 7pm)
REACH
17/11/23, 9:45 am - +REACH: *Dear Contributors,*
Welcome back! π
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Megan π
17/11/23, 10:00 am - +REACH: *π’ Topic π’*
All adult Singaporeans, aged 21 and above in 2024, will receive between $200 and $800 in December through the Government’s Assurance Package (AP) to help cushion the impact of higher inflation and the goods and services tax.
The Ministry of Finance (MOF) said that about 2.9 million will receive up to $600 in Assurance Package Cash, and about 2.5 million of them will also receive up to $200 in Assurance Package Cash Special Payment.
*π¬ What are your views on the latest Assurance Package? How have you and those around you been impacted, and are there enough support measures to cushion the impact of rising cost of living?*
π *_Package support will be given progressively_*
The package was first announced at Budget 2020 to help offset additional GST expenses. Payouts are disbursed over five years, from 2022 to 2026.
At Budget 2023, Deputy Prime Minister and Minister for Finance Lawrence Wong announced that the Government would enhance the AP to account for higher inflation and provide additional one-off support to Singaporeans to address immediate cost of living concerns.
In September, he also announced an additional $1.1 billion Cost-of-Living (COL) Support Package to provide more relief for Singaporean households, especially lower to middle income families. This includes an $800 million enhancement to the AP, which brings its total to more than $10 billion.
π *_Different types of payouts_*
The cash payments in December are part of a suite of measures - including MediSave top-ups and Community Development Council (CDC) vouchers - in the AP.
In January 2024, every Singaporean household will get $500 worth of CDC vouchers, which can be claimed digitally and will expire at the end of 2024.
From February 2024, an AP’s Senior’s Bonus of between $200 to $300 will be paid out to eligible lower-income seniors aged 55 and above, and all Singaporeans aged 20 and below, or 55 and above, will receive $150 in their Central Provident Fund MediSave accounts.
Singaporeans can check their eligibility for the payouts by logging in at the Assurance Package official website with Singpass.
π https://str.sg/iNFt
π https://www.channelnewsasia.com/singapore/cash-payment-200-800-december-assurance-package-3921351
π http://go.gov.sg/assurancepackage
17/11/23, 10:00 am - ~ REACH Singapore changed this group's settings to allow all participants to send messages to this group
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17/11/23, 10:17 am - +Frankie Wee: 2024 budget need to rising cash more due cost of living is going up.
Last week I was at NTUC FairPrice and all goods already price increased.
17/11/23, 10:17 am - +Rama: Agree
17/11/23, 10:20 am - +KL: If u now at woodland u see how many tissues seller :(
17/11/23, 10:20 am - +KL: Well done sg
17/11/23, 10:22 am - +Frankie Wee: Most egg sell $3+
17/11/23, 10:22 am - +KL: Like tissue military parade
17/11/23, 10:22 am - +Frankie Wee: No more cheap
17/11/23, 10:22 am - +Frankie Wee: Everywhere also have even at Chinatown too
17/11/23, 10:23 am - +KL: Early in the morning no ppl also have
17/11/23, 10:23 am - +Frankie Wee: Sometime can’t be trusted because they have mental health or some of them from foreign
17/11/23, 10:23 am - +KL: These one confirm all local
17/11/23, 10:24 am - +Frankie Wee: Sell tissue is illegal
17/11/23, 10:24 am - +Frankie Wee: No permits license
17/11/23, 10:24 am - +KL: 80 year old u catch lor
17/11/23, 10:24 am - +Frankie Wee: Of course I saw it no choice
17/11/23, 10:24 am - +Rama: Enforcement rate Good!?
17/11/23, 10:25 am - +Kenneth Lee: These handouts only treat symptoms, not the root cause.
If gov go after ntuc to really lower cost of foodstuff, whole market will follow.
Eg: ban dividends, put a cap on how much profits a coop can earn, get auditors to check that they don’t inflate their expenses, benchmark their volume purchases.
17/11/23, 10:25 am - +Frankie Wee: See attach social advise and finance service
17/11/23, 10:25 am - +Rama: Yes
17/11/23, 10:26 am - +KL: Of course la u see most place have 2 ntuc like Clementic
17/11/23, 10:26 am - +KL: Ntuc need to pay rent right
17/11/23, 10:26 am - +Frankie Wee: Yes
17/11/23, 10:26 am - +KL: In fact it make no economic sense
17/11/23, 10:27 am - +KL: U dare u enforce , I don’t dare to even look straight at their eye <This message was edited>
17/11/23, 10:28 am - +Rama: So, no big deal since illegal!
17/11/23, 10:28 am - +Kenneth Lee: Ntuc online pay less rent.
Otherwise their eCommerce team need to be replaced.
17/11/23, 10:29 am - +SL: I use a list to track all prices (including the time and transport costs) in various selling platforms, compare and plan for restock quantity, seller and lead timing.
17/11/23, 10:30 am - +SL: Economy rice 1 egg sell at $1.20, can cook ourself to bring to office
17/11/23, 10:30 am - +KL: Who the cheapest care to share ?
17/11/23, 10:42 am - +Frankie Wee: LHL was attention at APEC meeting summit in US. They discussed about climate change and affected global economic growth and also price increases.
17/11/23, 10:44 am - +Frankie Wee: China Xi was there hand shake become friendly but won’t be hot and Cold War nor trade war affected global economy. However he has own country developed economy.
Biden said he is director than our govt different.
17/11/23, 10:45 am - +Frankie Wee: Both China and USA are partnerships working close to future development relationships
17/11/23, 10:56 am - +Frankie Wee: Singapore future worrying
-Retiree is not enough in CPF
-price soar high housing and Car COE
-workforce upskill need employment replaced when start new AI
17/11/23, 10:57 am - +Frankie Wee: Price unable going down πbecause of climate change affected economy
17/11/23, 10:58 am - +Rama: Yes
17/11/23, 10:58 am - +Rama: Yes
17/11/23, 11:01 am - +Frankie Wee: I think this may not be enough for us COL in 2024
17/11/23, 11:02 am - +SL: It depends on the product, brand, quantity, and distance to nearby (after considering discount) , the date of purchase, holding cost, etc.. It varies from product to product , I actually use some coded system to help me to track weekly. π
17/11/23, 11:08 am - +Jimmy Chew: Ntuc is set up to help workers. maybe it has lasted its effectiveness and usefulness. Like the COE it need to be tweek. maybe they should do comparisons between good companies that can sell cheap version their structure and see what's wrong? Is it management? HR? Culture? Policies? . They have always been leading in reducing prices. Now it seems that they're not that cheap versus other places
17/11/23, 11:13 am - +Khuan Yew: I think it’s not necessary to give $200 to those who earn $100k and own *more* than 1 property.
17/11/23, 11:17 am - +Frankie Wee: Agreed
17/11/23, 11:48 am - +~a: does anyone know the reason paternity leave is paid by government, whereas maternity leave if paid by employer for first 2 months and govt for next 2 months?
17/11/23, 11:53 am - +Sam: Must be SNEF side not ready to get employer to pay for it. So this transition period, government pay first. A lot of initiatives also government pay first or subsidise more during the initial few years.
17/11/23, 11:53 am - +Rama: Good question!
17/11/23, 11:58 am - +Rose M K Ho: Perhaps they shd offer bulk discount for ordering online (dun increase or add delivery cost! to offset!) , since u brought up a very valid point ... No Rent for online (except warehouse cost).
π π€
17/11/23, 12:05 pm - +Rama: Will fringe benefits be curtailed once employers start to pay?
17/11/23, 12:10 pm - +~a: will be great if someone from REACH can enlighten on this!
17/11/23, 12:12 pm - +Rama: Yes
17/11/23, 12:15 pm - +Jimmy Chew: Tradition- company pays for women. Men is new. No employer wants to hear the cost. Company is to make money. The government is to assist citizens be better <This message was edited>
17/11/23, 12:17 pm - +~a: why isn't it the same for both gender? (either all by govt , or shared by employer and govt)
17/11/23, 12:18 pm - +Jimmy Chew: Money Money Money π€
17/11/23, 12:23 pm - +~a: But wouldn't this cause employers to worry about female employees going on maternity leave, but not male employees going on paternity leave?
17/11/23, 12:26 pm - +Jimmy Chew: Hahaha I don't think so. When wife calls better go
17/11/23, 12:28 pm - +Jimmy Chew: Mother no choice. They can't give birth in the office. If they can give birth in a one day they would do it hahaha
17/11/23, 12:30 pm - +~a: what i mean is that this unequal financial liability to the employer in terms of difference in payer of paternity and maternity leave may lead to gender inequity in the workforce.
17/11/23, 12:31 pm - +~a: This is because employers need to pay if a female employee goes on maternity leave. However, employers do not need to pay if a male employee goes on paternity leave.
17/11/23, 12:31 pm - +Jimmy Chew: Yeah. Yes and no. Men have reservist liability
17/11/23, 12:31 pm - +Jimmy Chew: π
17/11/23, 12:32 pm - +~a: Isn't reservist liability also paid for by the government?
17/11/23, 12:34 pm - +~a: For reservist liability, employers can go under the DIRECT scheme, in which employer will pay salary amount as per normal and claim directly from MINDEF.
17/11/23, 12:40 pm - +Jimmy Chew: https://dollarsandsense.sg/business/how-much-can-employers-claim-when-their-nsmen-employees-go-for-in-camp-training-ict/
17/11/23, 12:40 pm - +Jimmy Chew: Thanks.
17/11/23, 12:41 pm - +~a: It looks like a lot less risk still, as the leave is not as long as say a maternity leave
17/11/23, 12:53 pm - ☸️ Danny εΏ:
1. Well, this current few years inflation is unprecedented and it affect all Countries globally, not only Singapore.
The inflation rate exceeded more than 10% in many Countries.
Luckily in Singapore, Government is quick to introduce both monetary policy measures (peg exchange rate higher against other currency, and increase of interest rate in tandem with FED interest rate hike) to curb the rapid rise in our inflation rate and fiscal policy to help Singaporeans cope with the inflation --- and hence keep inflation down from 6.12% in 2020 to a respectable 3.5 to 4% currently --- though our inflation norm is 2 to 2.5%
2. To put the global inflation hike issue in perspective - which is beyond the control of our Government and in fact, global Government, the unprecedented inflation hike worldwide are due to :-
a. Pandemic derail global supply chain, manufacturing shutdown etc.
b. Decoupling, friendshoring due to US-China geopolitical tussling that derail the most cost efficient global supply chain.
c. Global warming that trigger extreme weather - impacting traditional food supply in poor crops harvest, animal feed, animal survival impacted etc.
d. Russia-Ukraine war impacting food supply, energy and Israel-Hamas war impacting energy supply
3. Taking into account the above backdrop, our Government ability to keep inflation hike in check to the current 3.5 to 4% inflation rate - is respectable - but still more can be done - until inflation rate go back to normal -- ie. 2 to 2.5%.
4. Tackling the current inflation should be at 2 fold - that is getting our micro-economic perspective right and getting our economic policies at macro-economic level right - so that inflation can be tame without destabilising our Economy, business and jobs.
17/11/23, 1:08 pm - ☸️ Danny εΏ:
5. I personally think that the Government has done both very well and deserve special mention.
6. At monetary policy front,
a. the careful adjustment of our ER (Exchange Rate) to curb imported inflation (the main cause of global inflation hike) - is the most effective measure in keeping inflation down well below 10% - as stronger Sing $ will make imported goods cheaper.
b. But to do so, Singapore must have a strong financial reserve to buy Sing $ and sell the basket of foreign currencies.
c. Being a reputable financial hub helps, as foreign currency investors put their money into Singapore financial system buying up Sing $ - and make our currency strong.
d. Robust trade also help, as we sell to the Global market, as foreign importers pay or convert to Sing $ to buy our goods and services making our currency strong.
e. Refrain from adopting suicidal policy of Nationalising our big Singapore enterprises - that will trigger a demultiplier effect, as State Enterprises cannot operate overseas - as foreign countries will shun SOE due to national security concern and they often view SOE with suspicious eyes.
Hence Nationalisation is a sure way to shrink our GDP, as SOE can only operate in our small little red dot Economy of 5.65 million people instead of the vast big Global market of 9 billion people - leading to a demultiplier effect in our Circular Flow of income - causing SOE revenue to shrink drastically, business activities will go down, government got to throw in taxpayers money (Billions and Billions of $) to buy up shares, or use bond debt as shareholders and investors leave the market, our Stock Exchange shrink in capitalisation, SOE cut workers as business shrink drastically leading to massive unemployment and SOE will have to operate at a loss - with high imported material costs, high salaries but very small market - to curb the "cost of living" of population ---- a "SUICIDAL POLICY".
17/11/23, 1:13 pm - ☸️ Danny εΏ:
7. At fiscal policy front,
a. Our strong reserves for emergency used - such as the Covid emergency fund, strong economic growth - allow our Government to have strong fiscal budget to help Singaporeans cope with the inflation
b. Our current big commercial enterprises and GLCs privatised with shareholders - will help our companies enter into foreign market to earn huge foreign revenues, create jobs for Singaporeans workers and boost our GDP growth contributing to high Government revenue.
This in effect create positive multiplier effect in our Circular Flow of Income - and boost our Economy as compared to Nationalisation that do the reverse and shrink our Economy.
c. With higher Government revenue as profitable business pay tax, working staff pay tax - the Government is able to dish out GST voucher and COL voucher to Singaporeans to help curb the current high inflation rate.
And based on computation, the GST voucher and COL voucher - are able to cover all and most of the inflation hike + GST hike for 3 years.
17/11/23, 1:37 pm - ☸️ Danny εΏ:
1. Looking at actual figures are the best way to objectively state our view whether Government GST voucher and COL voucher is sufficient to cover the GST 1% hike in 2023 as well as the high inflation hike.
This is more accurate rather than based on feeling - because using spreadsheet to record all the expenses and income (including Government grant) - will be unbias and objective.
2. My household experience a 9.82% hike in our expenditure taken from a low base from 2020 when the covid strike.
It is higher than the national average of 6.12% at its peak at 2020.
3. But using the COL calculator provided by the Government, the GST voucher and COL voucher dish out by the Government to my household :-
Year 2023 - $6,120 - more than cover the GST hike and inflation hike
Year 2024 - $4,870 - cover about 85% of the GST hike and inflation hike
Year 2025 - $4,270 - cover about 80% to 83% of the GST hike and inflation hike
4. Bearing in mind that our DPM and Minister of Finance has still not yet announce the coming Budget 2024 that the Government will do more come 2024 (despite the fact that another GST hike of 1% will be implemented).
But calculation and projected grants - tell me that I do not have much to worry,
17/11/23, 1:39 pm - +Frankie Wee: COL and GST different
COL is a goods price rising fast than excepted.
17/11/23, 1:40 pm - ☸️ Danny εΏ:
They serve the same purpose using different labels - ie. To help Singaporeans cope with higher cost. <This message was edited>
17/11/23, 1:41 pm - +Frankie Wee: Yes correct but goods rising so fast than slow.
I bought snack crack $2 but now $3
17/11/23, 1:42 pm - +Frankie Wee: Almost about 50% rising
17/11/23, 1:42 pm - ☸️ Danny εΏ:
5. Another thing that deserve mention is that the GST voucher and COL voucher are not only given to lower income and middle income - but also upper income group.
This is commendable because :-
a. This unprecedented inflation hike and GST hike - affect all income groups - not only lower income and middle income.
Even upper income also feel stress as all their family members are impacted by high inflation cost at one go - especially those with big families with elderly parents, young children and their expenses are not a small sum.
b. Upper income group also lobsidely pay the most taxes - that benefit all Singaporeans - eg. income tax, property tax, GST, and other taxes.
Hence, by including the upper income group in the GST and COL grant is one way to show our appreciation for their contribution.
If higher income group feel they want to donate them as they don't need it, by a click of the button in the donation web page, the money can be donated to those who needs them.
c. The ethos of leave No one behind - as Upper Income group are Singaporeans - and they are one of us - and they sacrifice the most (in contributing to Government coffers - that help the rest of the Singaporeans).
By including upper income groups in the GST and COL voucher - is for the Government and the rest of Singaporeans to show our token of gratitudes to them as we can't be εΏζ©θ΄δΉ。
Inclusiveness is one of our most valued policy - that even higher income group are not forgotten by our Government and by Singaporeans.
17/11/23, 1:42 pm - +Frankie Wee: That’s mean COL is not enough for everyone spent money
17/11/23, 1:44 pm - ☸️ Danny εΏ:
I use spreadsheet to keep track of my monthly and yearly spending and money coming in.
The figures paint the true picture. <This message was edited>
17/11/23, 2:00 pm - +REACH: *π’ Topic π’*
17/11/23, 2:21 pm - ☸️ Danny εΏ:
"Singtel-owned Optus says massive Australia outage was after software upgrade".
Routing information of all Optus routers change by international peering network.
https://www.straitstimes.com/asia/australianz/singtel-owned-optus-says-massive-australia-outage-was-after-software-upgrade#:~:text=Singtel%2Downed%20Optus%20says%20massive%20Australia%20outage%20was%20after%20software%20upgrade
17/11/23, 2:21 pm - ☸️ Danny εΏ:
1. Usually the peering routers to other international peering network routers - are peer via BGP protocol using AS number (Autonomous System).
2. The routing information learn from the peering network should not redistribute to the Telco internal network as peering routers usually have very big capacity and can learn external internet very big routing information.
3. But Telco internal network routers have smaller capacity - hence internet route information from the external peering network routers should not be redistribute to the Telco internal routers.
4. All unknown routes from the internal network routers should throw as default route to the large peering routers which will then check its routing table which peering network has the routing information to route to.
5. External routing information should be filter off from the Telco internal routers.
6. Hence any changes to the internet routing information by the peering network routers will not cause disruption to the Telco internal network routers.
7. All corporate routers are configure in these manner to prevent instability to the corporate internal network - because routing table update from the internet is very dynamic and will not want internal network to be constantly disrupted by the routing table update.
Also the internal routers capacity will definitely not be able to accommodate the huge internet routing table.
8. Wonder why Optus - a Telco can make such a fundamental routing network design mistake?
9. No CCIE experts to design the network????
17/11/23, 2:26 pm - ☸️ Danny εΏ:
If Singtel is nationalised, can only operate in a tiny 5.65 million domestic market.
Can not acquire Optus in Australia in a much larger market.
Because Telco is consider national security assets - and will not allow SOE, a foreign government entity to control a Telco.
Singtel is a GLCs owned by shareholders and investors - so can acquire another overseas commercial entity.
A wrong policy nationalisation will make us go poor overnight. <This message was edited>
17/11/23, 2:52 pm - ☸️ Danny εΏ:
1. One fundamental textbook mistake - could means Optus facing a big fine by regulator or class action compensation to consumers.
2. Then our parent SINGTEL - one big financial lobang next year.
3. Lower profit, pay less tax to government - and lesser GST or COL voucher to Singaporeans...
4. Thought to pass the CCNP and CCIE tests - this question will come out - and cannot pass if got the answer wrong.
5. Hands on will also test this scenario.
6. Wonder how come Optus can make this mistake?.....
Now lobang pichak...
17/11/23, 3:30 pm - ☸️ Danny εΏ:
10. Outside internet routers which need to access internal routers - will route to the high order subnet of the routing table of the Optus peering routers.
11. Optus peering routers can then check the lower order subnet of the internal router network from the routing table and route inflow data to the internal routers.
12. Hence internal lower capacity Optus routers are shielded from the dynamic routing table changes from the internet - and will not trigger the Optus Telco network meltdown - as all internet routing entries update are handled by the big super peering routers.
17/11/23, 4:00 pm - +REACH: *π’ Topic π’*
17/11/23, 4:02 pm - +KL: Maybe you can ask AI to distribute the money handout :)) .
17/11/23, 4:02 pm - +Jimmy Chew: download pilgrims progress
17/11/23, 4:03 pm - +KL: If not , I can’t tell how AI will help me in future :))
17/11/23, 4:05 pm - ☸️ Danny εΏ:
Well you got to be better to beat AI.
17/11/23, 4:05 pm - ☸️ Danny εΏ:
"Google researchers deal a major blow to the theory AI is about to outsmart humans" - AGI.
https://www.businessinsider.com/google-researchers-have-turned-agi-race-upside-down-with-paper-2023-11#:~:text=at%20any%20time-,Google%20researchers%20deal%20a%20major%20blow%20to%20the%20theory%20AI%20is%20about%20to%20outsmart%20humans,-Hasan%20Chowdhury
17/11/23, 4:05 pm - ☸️ Danny εΏ:
AGI still cannot beat human.
17/11/23, 4:23 pm - ☸️ Danny εΏ:
Like this one, you need human brain to troubleshoot and rectify.
No one will let AI do it, and mess up the whole thing.
AI could complement by generating example configuration - but cannot do the changes to the entire Telco network.
It will create a bigger mess.
17/11/23, 5:33 pm - +REACH: *Dear Contributors*
We want to *HEAR MORE* from you!
*π¬ What are your views on the latest Assurance Package? How have you and those around you been impacted, and are there enough support measures to cushion the impact of rising cost of living?*
We have had good feedback and hope that we can keep the discussion robust and active!
Megan π
17/11/23, 5:43 pm - +Frankie Wee: Budget give more voucher cash and rising more price increases
17/11/23, 6:00 pm - +REACH: *π’ Topic π’*
17/11/23, 6:00 pm - +Smiley face: 17 November, 2023
"Diametric: Inflation and Deflation"
"What is deflation? When prices of goods and services decreased and the subsequent effects of cheaper goods and services will run-down week by week to the bottom of things. One factor for such price decrease is the propensity to spend less and the other factor is the lost in income of households or breadwinners. All of these knee jerks reactions are part and parcel of deflation. And cash will be king."
- - anonymity
The treatments of symptom and cause may be linear and non-linear whether is inflation or deflation.
17/11/23, 6:07 pm - ☸️ Danny εΏ:
3 steps process to cope with the high inflation as 2024 resolution:-
1. Look for ways to increase personal & household income.
2. Look for ways to cut expenses by sourcing alternative cheaper equally goods and services.
3. Look forward to DPM and Finance Minister Lawrence Wong Budget 2024 - hoping to hear good news on more long term sustainable (government affordable) GST voucher and COL voucher for Singaporeans.
17/11/23, 6:42 pm - Your security code with ~ Sam changed. Tap to learn more.
17/11/23, 6:45 pm - +REACH: *Dear Contributors,*
⏰ We will be closing the chat in *15 minutes* ⏰
Thank you very much for being part of our WhatsApp chat and participating actively.
Goodnight!
Megan π
17/11/23, 6:51 pm - Your security code with ~ Sam changed. Tap to learn more.
17/11/23, 6:53 pm - ☸️ Danny εΏ:
WhatsApp warning over fee to keep old messages.
New update means Android users no longer have free storage for old messages, photos and videos.
https://www.independent.co.uk/tech/whatsapp-update-latest-2023-android-b2447654.html
17/11/23, 6:54 pm - ☸️ Danny εΏ:
For information, in future there maybe a need to do housekeeping in WhatsApp.
Google start charging for storage.
No longer unlimited storage. <This message was edited>
17/11/23, 6:56 pm - +Smiley face: Behind ICBC hack is a gang for hire that holds systems hostage
https://www.thestar.com.my/tech/tech-news/2023/11/10/behind-icbc-hack-is-a-gang-for-hire-that-holds-systems-hostage
17/11/23, 6:56 pm - +SL: There are other platform still foc right?
17/11/23, 6:57 pm - ☸️ Danny εΏ:
Telegram.
17/11/23, 6:58 pm - ☸️ Danny εΏ:
But WhatsApp have arrangements with government.
Telegram don't have.
17/11/23, 6:58 pm - +SL: Similarly, the cloud storage cost we pay can be replaced by NAS, which is cheaper in the long run if we know they way.,
17/11/23, 6:59 pm - +Smiley face: <Media omitted>
17/11/23, 7:00 pm - +REACH: *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 π
17/11/23, 7:00 pm - ~ REACH Singapore changed this group's settings to allow only admins to send messages to this group
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