Babe Blog - Insights on News Events: November 2025

Saturday, November 29, 2025

台湾是中国的大包袱, 绊脚石，大枷锁，也是战乱的祸根（小智慧，大道理）

Taiwan is China's big baggage, tripping stone, shackles and root cause to war

29 Nov 2025

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

1. 台湾是中国的大包袱, 绊脚石，大枷锁, 也是战乱的祸根.

Taiwan is China's biggest baggage, tripping stone, shackles 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?

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，台湾有一天会被感动而自动回归中国。现在因缘不足，强制回归吃力不讨好可能全盘皆输。

毕竟人是吃软不吃硬的。以德服人以心换心，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. Currently, the conditions are not ripen for reunification, force reunification will be extremely difficult and could lose everything.

A willing heart is easier to reunify by extending the olive branch than through clench fist and guns. Heart to heart exchange is the best mean of successful reunification.

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.

----

台湾是中国的大包袱，绊脚石，大枷锁，也是战乱的祸根（小智慧，大道理）
29 Nov 2025

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

1. 台湾是中国的大包袱, 绊脚石，大枷锁, 也是战乱的祸根.

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，

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。

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。

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？

6.
2024 (USD)
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，台湾有一天会被感动而自动回归中国。现在因缘不足，强制回归吃力不讨好可能全盘皆输。
毕竟人是吃软不吃硬的。以德服人以心换心，是最殊胜的统一方法。

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。

----

Friday, November 28, 2025

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

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 😊

====

Thursday, November 27, 2025

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。

----

https://vt.tiktok.com/ZSfgNKSco/

https://vt.tiktok.com/ZSfWmGdKX/

Singapore can forgive and forget Japan past atrocities, why China cannot?

https://vt.tiktok.com/ZSfWQW8QW/

PM Lawrence Wong pragmatism and balance in China Japan spat.

https://vt.tiktok.com/ZSfnmAH5C/

https://vt.tiktok.com/ZSfv6rvQR/

Singapore stand on principles.

Singapore's wisdom.

----

@Babe:韩国总统也跟黄总理讲同样的话。

中国和日本应该降温。

"South Korea shouldn't take sides in China, Japan spat: President".

His statement is quite similar to PM Lawrence Wong statement.

https://www.channelnewsasia.com/east-asia/south-korea-china-japan-spat-take-sides-lee-jae-myung-5529876#:~:text=South%20Korea%20shouldn%27t%20take%20sides%20in%20China%2C%20Japan%20spat%3A%20President

South Korea's leader said on Wednesday (Dec 3) that his country wouldn't take sides in an escalating war of words between Japan and China, calling for the two sides to "coexist".

"The ideal approach is to coexist, respect one another, and cooperate as much as possible," he said, describing northeast Asia as a "highly dangerous region in terms of military security".

----

[03/12, 11:33 pm] ☸️ Danny 心: "19 deals signed as Singapore-Jiangsu trade grows 24% on-year in H1 2025".

https://www.channelnewsasia.com/watch/19-deals-signed-singapore-jiangsu-trade-grows-24-year-in-h1-2025-5535836#:~:text=19%20deals%20signed%20as%20Singapore%2DJiangsu%20trade%20grows%2024%25%20on%2Dyear%20in%20H1%202025

[04/12, 12:04 am] ☸️ Danny 心: Just now Chinese news say more China tourists come to Singapore.

One say, Singapore very inclusive and compassionate, that is why they come.

Now Jiangsu sign a big deal with Singapore.

So our PM Lawrence Wong speech is correct - unlike some China netizens making hell lot of noise.

----

https://vt.tiktok.com/ZSfKGBQbt/

新加坡国小，肚量大，格局大。受到世界的尊重和肯定。能放下过去，活在当下，展望未来。

你照镜子看看你自己，脾气暴躁好像在发狂。肚量小，格局小，让世界看了愚笑大方，寸步难移。

新加坡只会劝和，不会劝打。

你整天喊打喊杀，作人有什么意思？

====

https://vt.tiktok.com/ZSP13UKF5/

@Babe:全部战犯不是正法了吗？

难道要诛九族？

@Babe:看你们这些言论，真是小人之心。

我们不要学习。

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@YH Tan710:历史是让我们铭记在心，而不要重蹈覆辙，拿来挑拨离间.

====

https://vt.tiktok.com/ZSPJbRbxP/

This is a fair balanced comments.

====

https://vt.tiktok.com/ZSPdbNm1N/

Why Singapore has many friends with no enemies.

====

https://vt.tiktok.com/ZSP8w3JcP/

@Babe:Jiangsu has just sign 19 deals with Singapore delegation.

Among those going through Singapore as gateway to do business and export to the rest of the world.

PM Lawrence Wong speech is appropriate and means to maintain stability and avoid escalation.

China business also need stability to flourish.

----

@Babe:At international level, China and Singapore government are engaging closely to grow their business and need stability.

So China netizens and Singapore netizens who have no clue at the government level stop becoming a judge as though you know best.

@Babe:There's always a reason why some controversial speech need to be expounded.

Netizens who are clueless should instead shut their mouth.

@Babe:中国官方没出声。

你们这里鬼叫鬼叫，叫什么？

====

@Babe:Now China is diverting export from US to ASEAN, EU and Australia who are absorbing China's US export.

If war break out between China and Japan, both China, Japan and the regional economies will be badly hit.

There is a reason why PM Lawrence Wong need to send these messages across.

Both China and Japan government understand these and keeping quiet.

Why need all these clueless netizens to make noises without understanding the global background.

@Babe:Babe：现在中国正将出口从美国转向东盟、欧盟和澳大利亚，而这些国家正在消化中国对美出口。

如果中日爆发战争，中国、日本以及周边地区的经济都将遭受重创。

这就是为什么黄循财总理需要传达这些信息的原因。

中日两国政府都明白这一点，但却保持沉默。

为什么需要这些不了解情况的网民在不了解全球背景的情况下指手画脚呢？

====

https://vt.tiktok.com/ZSPLXkkpC/

Singapore is China largest investor.

@Babe:所以新加坡需要中国和平稳定，投资才有回报。

和平无价。

====

https://vt.tiktok.com/ZSPFGWotT/

PM Lawrence Wong social media cartoon rebuttal to netizens overdrive.

Peace is the only guarantor to prosperity and survival.

====

https://vt.tiktok.com/ZSPjpCLBQ/

@Babe:有一天，中国人会对王总理感激避免了第三次世界大战。

@Babe:US bombers join Japanese jets in show of force after China-Russia drills, Tokyo says

Defence Minister Shinjiro Koizumi also shared Japan's concerns about the Chinese and Russian aircraft with the North Atlantic Treaty Organisation chief Mark Rutte in a telephone call on Wednesday (Dec 10).

王总理的先见之明 - 是要避免第三次世界大战。

====

@Babe:https://vt.tiktok.com/ZSPM6Kvwt/

China, Russia - Japan, US forces suddenly turn hostile sending military assets facing one another.

A misread or miscommunication - could ignite Superpowers wars triggering a WW3.

@Babe:这就是王总理要中国和其他国家要避免的。

一触即发。

DPM Gan to visit China on Dec 15 for top-level bilateral meeting at the invitation of China.

Deputy Prime Minister Gan Kim Yong and China’s Vice Premier Ding Xuexiang will co-chair the 21st Joint Council for Bilateral Cooperation meeting (JCBC). https://www.channelnewsasia.com/east-asia/singapore-china-jcbc-bilateral-gan-kim-yong-meeting-5575716

====

https://vt.tiktok.com/ZSPhfR5BR/

@Babe:其实这些台湾名嘴是真正中国的敌人。

这些台湾名嘴故意激怒世界領袖，让全世界对中国反感。

中国领导和国民要认识其实这些台湾名嘴的目的和威胁.

不然中国被孤立还当这些台湾名嘴是他们的朋友。

https://vt.tiktok.com/ZSPBQU64k/

https://vt.tiktok.com/ZSPBsWG6G/

"China holds low-key Nanjing Massacre memorial without Xi amid Japan row.

China has marked the anniversary of the 1937 massacre by Japanese soldiers, as tensions soar over Taiwan."

https://www.aljazeera.com/news/2025/12/13/china-holds-low-key-nanjing-massacre-memorial-without-xi-amid-japan-row#:~:text=China%20holds%20low,soar%20over%20Taiwan.

====

https://vt.tiktok.com/ZSPS8MFpy/

台湾明嘴就是暗害中国的敌人。

表面说你爱听的话。其实让全世界孤立你。

====

https://vt.tiktok.com/ZSPARtPoX/

https://vt.tiktok.com/ZSPSDqHbo/

https://vt.tiktok.com/ZSPAFuTGS/

其实这些网民名嘴是真正中国的敌人。

这些网民名嘴故意激怒世界領袖，让全世界对中国反感。

中国领导和国民要认识其实这些网民名嘴的目的和威胁.

不然中国被孤立还当这些网民名嘴是他们的朋友。

https://vt.tiktok.com/ZSPS8MFpy/

这些网民名明嘴就是暗害中国的敌人。

表面说你爱听的话。其实让全世界孤立你。

====

https://vt.tiktok.com/ZSPfsaBfK/

@Babe:ASEAN poll say so.

PM Lawrence Wong is citing ASEAN poll.

Get your facts right.

====

https://vt.tiktok.com/ZSPfwvACK/

@Babe:这才是智者。

王总理就是要中国克制，谨慎。

不要被利用。

那些网民名嘴一直要中国跟日本开战 - 就是掉入陷阱。

王总理在帮中国不是害中国。

@Babe:新家坡王总理才是真正的智者。

@Babe:1. 劝和不劝打，功德无量。

2。劝打不劝和，犯杀生业，罪业深重，招感地狱业报。

@Babe:万般带不走。唯有业随身。

@Babe:大家看看 Russia-Ukraine 的杀生业。

大家看看 Gaza 的杀生业。

人间地狱。

@Babe:中国千万不要中了小人的激将法 - 劝打不劝和 - 是魔心。

中国要有智慧看破激将法 - 走向成功和平的路。

@Babe:一个让人尊敬的大国，是：-

1。有仁德之心。

2。国防强大。但不轻易出战。

而广结善缘，良友。

朋友满天下，敌人无一个。

这才是真正的强大。

====

[15/12, 11:56 pm] ☸️ Danny 心: "Japan, China, South Korea hold health ministerial meeting behind closed doors".

https://www3.nhk.or.jp/nhkworld/en/news/20251214_10/#:~:text=Japan%2C%20China%2C%20South%20Korea%20hold%20health%20ministerial%20meeting%20behind%20closed%20doors

[16/12, 12:03 am] ☸️ Danny 心: 心法 can create miracles.

====

Saturday, November 22, 2025

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.

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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.

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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.

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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.

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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.

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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).

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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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Wednesday, November 19, 2025

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. ⏰