most singaporeans are asset rich but cash poor. why? our cpfs which are meant to fend for retirement and twiligiht years were craftily zapped up by ridiculously high priced hdb pigeonholes. talking about gov subsidised flats....what a big joke and a big con job!
why does gov clueless to bring down prices? they can if they want and they don't if they want too. let's talk about the don'ts.
hdb prices are like a pandora box. once opened, it's very difficult to close and hdb prices go haywire to absolute craze and frenziness. those who ve bought greed for it to go higher; those who haven't pray for it to drop or at least stablise and halt at the last price.
so there u have it: the gov is CLUELESS to resolve the problem which it didn't nip in the beginning. if they stop the prices from rising, new owners of exorbitant pigeonholes shall definitely be unhappy and they shall make lots of noise. conversely, leaving the prices to run wild (or is it the gov behind fanning the madness?), those who haven't owned a pigeonhole - the new generation planning for a new family of their own - are put into a dilemma.
then what happen to all our cpfs? are the life savings still there when twilight years are reached? NO! absolutely not!! what's there is an overpriced "subsidised" gov pigeonhole which price is getting higher but size is getting smaller.
million dollars paid minister seems clueless. well, perhaps my suggestion may come in handy.
step 1. STOP THE SPECULATION.
once a family bought a flat and after staying some years decide to
sell, the only buyer would be buying back is the gov. then the gov resells it adding a nominal processing and legal fees. no obscene profits involved, hence no more speculation and easy money made. of course, such would only be restricted to purely singaporeans. no PRs'entitlements to such non-profitable transaction.
HOW TO RETRIEVE OUR CPF
most of our cpf money would still be tied down by the pigeonhole. here's a simple solution.
gov should build smaller and cheaper flats for home owners to consider when they age. example: if mr A now at 36yo sets up family with 2 kids and 20 or 30 yrs later, his kids would ve grown, married and resettled in newly hdbs or remain single or most probably mr A would be left living with his wife. if he is living in a 5 or 4 rooms flats, by then, the flat would be too excessive to him. he could consider an exchange program with hdb. he sells his flats to hdb, get back the money he used from cpfs and buy a smaller "senior-folk-flats" from hdb. SFF unit would be smaller and much cheaper with shorter lease of say, 30yrs. hdb deducts the amount from the sale price, refund mr A who would then be financially independent with the cpf money to live on.
in the event of both couple passed on, the SFF should be resold to HDB to be recycled to the next qualified senior folks. the money derived from SFF should then be refund to the children of the demised mr A.
this could probably also solve the greying problem of singapore and put a full stop to crazy hdb flats speculation. of course, the finer details, the minister would ve to work it out. he's the one getting the million $ pay, not me. and yes, if it's a good workable plan, he should reward me with some honararium. :)
this principle of the plan is 4 folds:
1. stop speculation
2. free up oversize flat that later is irrelevant to the number of occupants especially aged owners who children would ve by then left the roost.
3.provide a suitable sized hdb flats with shorter lease to the aged owners and free up the money tied by his original bigger flats. he now has a roof over him and money to see him through his twilight years.
4. refund what money accrued from Senior-folks-flats (SFF) back to demised owner's family or children.
with that hdb would have successfully done its part instead of turning subsidised gov flats into a greed instrument causing so much undue stress and anxiety to all singaoreans.
Tuesday, July 19, 2011
Tuesday, July 12, 2011
cheaper to eat at restaurants than in hawker centres
ALL HAWKER PRICES ARE UP!!
better eat in restaurants now. they are cheaper cos prices are down. surprise, surprise!!
for example, ah yat is giving 50% discount on ALL dimsums, mon to sat. during sundays and public holidays, it's 40% discount. same goes for all their ala carte live seafood.
for example their char siew paos, 3 in a basket originally cost $3.80. after 50% discount, it was only less than $2! which means each pao is about less than 80c. cheaper or more expensive than hawker centres?? most of their dimsums were about this range.
last week was at ah yat's turf city. something very illogical happened. till now i still don't get the mathematical equation.
one live tien lor or the jap water snail costs $2.30 ea i.e, after discount. but if u order their special dishes during that day, a bowl of 10 tien lors cooked in soupy ginger and spring onions cost only $4.80. by algebra, it should be like $23! but it only cost $4.80!!
this is what i mean restaurant foods are getting cheaper but hawker foods are getting more expensive. what's the logic here? i also dunno.
i remember eating sri lankan crab not long ago at a hawker centre and was billed like $40. at ah yat's , they chose the live crab, show it to u and if u were satisfised cooked it to the flavor u want. i was recommended the cheesy pumpking crab. yummy!! it was delicious especailly the gravy. the crab was loaded with roes some more which was an added bonus. we ordered fried man tou to dip in the gravy and really cleaned up every shiok drop!
when the bill came, the cost of the cheesy pumpkin crab was only $19.80!! can u believe this price?? we only ordered one cos we were expecting the price might be about $60 but it was lesser than $20. my god!!
it was a value for money worth meal that i was just to glad to foot. of course there were other speciality we ordered like the alaskan long legged crap. simply yummy!! though a bit expensive $169, it was well -worth it!! then there was the peking duck, the braised abalone and etc....all well worth it!!
so what's wrong here? hawker prices are supposed to be very affordable and reasonable but after u order the food, u don't feel that it's value for money. serving shrinks, quality drops and the bloody prices escalated from $2 to $2.50 or even $3 or higher which is about at least 25% increase.
now our public transport. u wait for the bus, it like it's never going to cum. u enter a mrt cabin, it's like a stuff heat sardine can....and the bloody gov is definitely going to approve the fares increase.
rear ass lui who wayang in taking public transport, what would he do? cook up some bombastic reasoning with even more bombastic figures to endorse such increase. he's like voted in by the SMRT OR SBS but not the voters.
so u ask: what the hell are the mps and minitoots idiotic sgporeans voted in for?? for us or for the profiteering public listed companies with their obscene profits??
better eat in restaurants now. they are cheaper cos prices are down. surprise, surprise!!
for example, ah yat is giving 50% discount on ALL dimsums, mon to sat. during sundays and public holidays, it's 40% discount. same goes for all their ala carte live seafood.
for example their char siew paos, 3 in a basket originally cost $3.80. after 50% discount, it was only less than $2! which means each pao is about less than 80c. cheaper or more expensive than hawker centres?? most of their dimsums were about this range.
last week was at ah yat's turf city. something very illogical happened. till now i still don't get the mathematical equation.
one live tien lor or the jap water snail costs $2.30 ea i.e, after discount. but if u order their special dishes during that day, a bowl of 10 tien lors cooked in soupy ginger and spring onions cost only $4.80. by algebra, it should be like $23! but it only cost $4.80!!
this is what i mean restaurant foods are getting cheaper but hawker foods are getting more expensive. what's the logic here? i also dunno.
i remember eating sri lankan crab not long ago at a hawker centre and was billed like $40. at ah yat's , they chose the live crab, show it to u and if u were satisfised cooked it to the flavor u want. i was recommended the cheesy pumpking crab. yummy!! it was delicious especailly the gravy. the crab was loaded with roes some more which was an added bonus. we ordered fried man tou to dip in the gravy and really cleaned up every shiok drop!
when the bill came, the cost of the cheesy pumpkin crab was only $19.80!! can u believe this price?? we only ordered one cos we were expecting the price might be about $60 but it was lesser than $20. my god!!
it was a value for money worth meal that i was just to glad to foot. of course there were other speciality we ordered like the alaskan long legged crap. simply yummy!! though a bit expensive $169, it was well -worth it!! then there was the peking duck, the braised abalone and etc....all well worth it!!
so what's wrong here? hawker prices are supposed to be very affordable and reasonable but after u order the food, u don't feel that it's value for money. serving shrinks, quality drops and the bloody prices escalated from $2 to $2.50 or even $3 or higher which is about at least 25% increase.
now our public transport. u wait for the bus, it like it's never going to cum. u enter a mrt cabin, it's like a stuff heat sardine can....and the bloody gov is definitely going to approve the fares increase.
rear ass lui who wayang in taking public transport, what would he do? cook up some bombastic reasoning with even more bombastic figures to endorse such increase. he's like voted in by the SMRT OR SBS but not the voters.
so u ask: what the hell are the mps and minitoots idiotic sgporeans voted in for?? for us or for the profiteering public listed companies with their obscene profits??
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