When Singaporeans cannot retire today, the fault lies squarely on the PAP

On Singapore’s public housing, here are somethings to note:

(1) Singapore’s HDB public housing is provided to Singaporeans at the expense of their retirement i.e. Singaporeans’ CPF funds are being depleted to fund the PAP government’s HDB.

(2) Since HDB resale prices are falling and individuals’ CPF have been used to pay for high HDB resale flat prices when they bought it, people will not have enough to retire, and they will not be able to monetise enough from their flats to retire.
(3) HDB flats have always been meant fall to zero value and be returned to the PAP government at the end of 99 years under the PAP’s rules. Prior to this, it was not widespread knowledge that flat prices will go down to zero.
(4) Therefore if Singaporeans cannot save enough to retire, it is because the PAP encouraged them to buy and sell their flats on the open market – using their CPF funds, and it is the PAP who also mandated that their flat values will be taken back and have zero value in the end – so if Singaporeans cannot retire, the fault lies squarely on the PAP.
(6) On new flats, the PAP changed the laws in 1985, so that when Singaporeans buy new flats, they will also be paying market prices for the land that the flat sits on. However, the PAP government is making Singaporeans pay for land Singaporeans do not own – and making them use their CPF to pay for it. As such, the PAP government is making Singaporeans deplete their CPF to pay for land which Singaporeans do not own.
(7) Thus if Singaporeans cannot save enough to retire, the blame should be put squarely on the PAP, who makes them use their CPF to pay for land which the PAP government owns.

Or in other words, I lend you my iPhone to use, but I charge you the full market price to use the iPhone. Fair?

(8) The PAP government said that it would delink new flat prices from resale flat prices. If resale flat prices continue to fall, and new flat prices continue to include land costs at market value, will new flats become more expensive?
(9) The PAP government announced that it would come out with a VERS in 20 years to buy back flats when they are 70 years old. But as resale flat prices continue to fall, when the government buys back the lease, the flat’s value would have declined to be very low anyway, and the compensation will be low. Singaporeans who used their CPF to pay for resale flats would make losses on their CPF, and again, not be able to retire.

Thus when Singaporeans cannot retire today, the fault lies squarely on the PAP.

(A) The PAP knew that flats prices will become zero, but still made Singaporeans use their CPF to inflate resale flat prices.
(B) The PAP knew that flat prices will become zero, but still made Singaporeans pay market prices for the land that the flats sit on.
(C) The PAP knows that flat prices will become zero, and decline in value, but still tell Singaporeans they will introduce a VERS which will not help much.
(D) The PAP knows that flat prices will become zero, and decline in value after 20 years, so they say they will introduce VERS after 20 years, because by then, VERS will not cost them much to them anyway – the PAP is kicking the problem down the road.

Finally, CPF changes, the Medisave, Medishield and increases to university fees were all started in the 1980s when PAP changed course. All these happened 30 years ago but it took about 30 years for the effects to finally unravel and be felt by Singaporeans today.

So, what will you do?

 

Roy Ngerng

 

 

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32 Responses to “When Singaporeans cannot retire today, the fault lies squarely on the PAP”

  • HarderTruths:

    Serve the greedy and selfish citizens right.

    You get what you pay for.

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  • Make HDB Lessees Happy!:

    As Land Price forms part of the costing of a HDB flat, perhaps the land price’s portion should be returned to the lessee after 99 years.

    This is only fair!

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  • Malaysia boleh Singapore bodoh:

    The most compelling reason for REGIME CHANGE.

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  • LIONS:

    Roy
    Good to hear from you.
    Sin Inc is an EVIL ORGANI$ATION.
    The BOD of Sin Inc must be taken to task for CONNING N BULLYING THE PEOPLE.

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  • never trust pap clown:

    even today, Nov 2018, pap clown and S$m gang liars are still lying about HDB is asset whose value goes up.

    when a citizen is jobless, and might need to pay GST from current 7% to 9%, and cannot do so, pap clown and S$m gang liars tell this citizen to monetize his HDB asset to pay the upped GST.

    but this citizen only one HDB, whether bought at low price when land cost was not added, or high price when land cost was added, so when he monetizes, how does the citizen live?

    if 70% sheep continues to vote clown pap and S$m gang liars GE2019, they ask for it.

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  • a PG:

    It’s good that you voiced out to the peoples. Hope the local newspapers can highlight this as well if they still think their papers serve the peoples.
    Also, in the past, quite a numbers of resale HDB flats were sold between about SGD$800K and SGD$1M. Wonder what their remaining years of leases now. How are they going to resell them (at a loss ?)or wait till the leases are ZERO?

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  • oxygen:

    CPF IS A SCAM, HDB IS ANOTHER SCAM – the nexus of the two scams together labelled as asset enhancement politics is the MOTHER OF ALL SCAMS.

    But the 70% peasants too stupid to even begin to discover they are stupid to impossibility deserves what they voted for and got.

    HarderTruths: Serve the greedy and selfish citizens right.

    You get what you pay for.

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  • RDB:

    Left right front back top including smelly bottom also get sucked by pap!!!

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  • William C:

    The lands belong to the state. If it is used for public housing, then land cost should not be a cost component.

    Now people are getting their keys to their 1st home at 30 years old (average). They service a 30 years mortgage loan. At 55, CPF tell them they have no money and still have another 5 years to pay up the loan. What if these people become jobless? Where to get the money to pay for the loan? Moreover, at 50 plus, most likely they need to money to finance their children for university. How to use CPF for education when there is no money there?

    PAP told you to downgrade so that you can have the money channel back to CPF for retirement. If we have to downgrade inorder to retire, then why not free public housing with minimum payment to recover the construction cost, and do not touch the retirement fund. Keep CPF purely for retirement, and not mess it up.

    Now many are held in ransom to vote PAP as they will worry with PAP, HDB prices will drop. Graduately this cohort will feel the pain when they reach 50 in 15 to 25 years time.They asked for it.

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  • Bad Boy:

    Mr Ngerng , lets be honest and i m always frank. Chinese or Asian will never change on ” rent seeking ” behaviour.

    一张血汗浸透的华人富豪榜:写满了官商勾结,再多财富也不过是跑路钱
    http://www.topnews9.com/index.php?m=wap&c=home&a=detail&id=50076&type=&uid=&task=

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  • Pay for stupidity, HDB Idiots!:

    All those HDB owners deserved it! Really poetic justice for them. Why? Because 70% of those supporters live in HDB. Why I am sure of this? Just looked at the highly opposition ward like Serangoon Gdn. Est, Bukit Timah, mostly landed properties. I hope the COMING Financial Meltdown will make sure these stupid, lowlifes lost big time to their last underpant, much less thought about retiring. They will have to auction off their investments like condos, BMWs, Mercs, Gucci bags. Don’t blame the PAP, blame your own past arrogance, snobbery and stupidity. MORE TO COME, STUPID HDB PEOPLE!!!!

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  • Bad Boy:

    http://wemedia.ifeng.com/85031230/wemedia.shtml
    安倍刚走,中国突然得到重大启示:沉默的曰本,被我们低估了20年!

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  • Rabble-rouser:

    What Roy Ngerng described were merely a symptom. The real underlying cause is that S’pore & the PAP had exhausted all forms of ACCUMULATED CAPITAL & SAVINGS going back 50 years eversince PAP took power. S’pore under the PAP took the pathways of State Capitalism (GLCs/SWFs) & an Export-oriented economy (using MNCs). Like all FINITE RESOURCES, S’pore under the PAP had reached PEAK CAPITAL ACCUMULATION nearly 2 decades ago.
    Since then, S’pore became very dependent on EXTERNAL DEBTS (provided by foreign capital providers to grow the Economy) while S’poreans rely on their PAST SAVINGS (absence of a Govt Social Welfare Safety Net) to get by.
    The initial 20 to 25 years of PAP rule were indeed the golden years – people’s BLOOD, SWEAT & TEARS captured under CPF were reinvested into Infrastructural Upgrading, Land Acquisition & Reclamation (Govt became a major [80%] landowner), attracting foreign investments & creating GLCs, etc. All these allowed for the PAP to acquire ACCUMULATED CAPITAL while all Pioneer (& some Merdeka) S’poreans delayed & sacrificed consumption to slat away ACCUMULATED SAVINGS on their own. As I wrote before, the high returns were mainly due to HARVESTING THE LOW-LYING ECONOMIC FRUITS which were easy to achieve using inputs like “HARVESTED CAPITAL” from a DILIGENT HARDWORKING LOCAL WORKFORCE’S BLOOD, SWEAT & TEARS re: mainly CPF then.
    And the last 30 years of GLOBALIZATION has been nothing but a series of MUSICAL CHAIRS – where one participant lost his chair (rising wages, high cost structures eg S’pore) while another gains (cheap wages, very low cost structures eg China) when the music stops. Indeed after the Cold War ended around late 1980s/early 1990s – after the Communist economies ended their Marxist economic experiment. China then embraced State Capitalism (actually copied from S’pore) to move forward. The Musical Chair timeline was centred on 1998 with the implosion from S’pore’s collapsed economic foundations while around 2000, a new era dawn with the Internet!
    Long story short, S’pore GDP-focus (after 2004 & PM LHL ascension) became an obsession because the GDP growth metrics was “a means to an end”. THERE WAS NO OTHER WAY TO GROW THE S’PORE ECONOMY! The GDP growth figure was used twofold;
    1. Attract clueless migrants into S’pore (Population Growth polices) & creating a Self-fulfilling prophecy where GDP growth & population influx becomes intertwined. p.s. the local/PR segment were already tapped out; &
    2. Attract Billionaires & wealth capital into S’pore using Monaco’s own playbook of casino, F1 circus, seaside developments with yacht berths – This was reflected by the high External Debt figure of US$1.76 trillion by 2016.
    - Cont’d -

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  • opposition dude:

    I find it hilarious that some government people are now saying that we should have known that the flats we bought are on 99 year leases. Since this is so then why didn’t the government tell us all this decades ago but rather the “fact” that we own our flats?

    PAP had better do something real quick or else by the time 2020 comes around the merdeka generation will be affected the same way the pioneer generation are now. Let us not forget that there were a lot more flats built in the 80s compared to the 70s eh?

    Imagine 40 year old flats in estates like Woodlands, Yishun, Bt Batok and Tampines to name but a few. How many more thousands of merdekas will be affected when the pool of buyers dwindles down?

    In fact any flat nearing 40 would already see desertion by buyers, I certainly do not want to buy a 32 year old flat to libe in for 8 years before its value starts dropping.

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  • Rabble-rouser:

    And S’pore’s Money laundering economy hit a BIG ROCK beginning 2016/17:
    * China’s President Xi Jinping’s ANTI-CORRUPTION CAMPAIGN;
    * Indonesia’s President Jokowi TAX AMNESTY PROGRAM;
    * M’sia’s 1MDB Scandal leading to PM Najib/BN fall from power in 2018 & ongoing corruption investigations.
    In addition, S’pore’s Corporate Tax haven business model is in decay:
    * Donald Trump 1st act as POTUS – was throw the TPPA into the White House waste bin;
    * Before X’mas 2017, Trump signed the US Tax Reforms signalling the possible end of offshoring US Corporate profits in offshore low-tax centres; &
    * Signal a trade war with China using tariffs but countered by quickly concluding 2 new bilateral individual trade deals with Mexico & Canada separately essentially tearing up the old NAFTA tripartite agreement.
    All the above looks absolutely detrimental to S’pore’s economic existence yet there’s no Plan B from PAP!
    PAP looks thoroughly contended & more focused “on fixing the opposition” using AHTC matters as a weapon (like Weapon of Mass Destruction excuse for Iraq Invasion) to nail the [insignificant] WP ‘to the wall’ rather than focusing on the urgent economic affairs. This coming not long after the Farce on fake news & falsehood grandstanding (Interrogation instead of a dialogue) which was preceded by the Farce on the Reserved Presidency where an ethnic Indian stood as a Malay under the Reserved Racial quota.
    Fact is that the Pioneer Generation is already 6 feet under; the Merdeka Generation (Baby Boomers) which is the most numbers & logically hold the most wealth & savings. Going past the Merdeka Generation were LOST GENERATIONS who doesn’t really have any real assets (fully paid off housing) nor any form of savings. The Bulk of the Merdeka Generation are already in their twilight years ie. retirement or entering retirement. I dare say 30% to 40% had already migrated during S’pore turbulent years of 2000 to 2005 taking away a fair portion of capital & savings. What’s left were residual who can’t migrate or unwilling to migrate for emotional reasons. There will be no baton (little wealth & inheritance left) to hand over to the Next (Lost) Generation. This Next Generation of S’pore inhabitants will face their Age Of Extinction because S’pore going forward would be like Argentina & 3rd World African countries indebted to IMF & Banks.
    Those PAP voters ultimately are signing their own death warrants. Vote wisely in the next election. There’s no more time left!

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  • We are seeing the light:

    Yea , they keep sprouting the fact that 80% of sgs own their ‘own’(hdb) homes …
    Not talking abt the rich who own landed property n condos.
    Do we own or just leasing?
    If own , why on the document it says lessee .
    sgs trusted this PAPs too much ..just bcuz of 1G leaders..we took for granted the ones who came after will be good too. Now we see the truth!

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  • NotMyProblem:

    @Roy, don’t blame the PAP Govt. After Ministers and PM already confirmed very clearly that after 99 years HDB flat value equal to zero, but people still believe the [email protected] of VERS and HIP2.

    Govt wants to have guideline for people to spot fake news. Ironically, the bigger fake is this VERS and HIP2, which only happen after 20 years. You ask “do we need this guideline?”

    Stupidity has not cure!! After next GE, we will still see the PAP voted in!!!

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  • Only One Important Rule:

    Kick out the evil greedy PAP regime.

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  • Representing the people:

    The marks of the hypocrites are four:

    As he speaks he lies, if he promises something he will betray it, when he is entrusted with something he will be false to it, and if he differs with you over something he will become offensive.

    One of these is too much to bear its burden on the Day of Accounting.

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  • Rabble-rouser:

    @ Roy Ngerng:
    The retirement conundrum stemming from the their HDB lease decay issue were only parts of a far greater problem (NO MORE MONIES IN THE KITTY!).
    The present-day PAP regime (thru SWFs) have gone through S’pore’s ACCUMULATED CAPITAL & was already borrowing heavily from capital markets to invests for the sake of Investing. But like a gambling addict without self-control nor propensity for winning – they’re pissing in the treacherous markets without sense of fiduciary committments nor showed any responsibility to capital providers (CPF).
    The focus on AAA ratings by the PAP was simply for the preferential borrowing rates given to sovereign countries by capital providers. The “Who doesn’t want to collect more money? Philosophy” re: govt revenue collection measures of the PAP results in excessive hoarding of liquidity by the govt. And the absence of social welfare safety nets is the other measure which influenced AAA rating. The term FISCAL PRUDENCE assessed by ratings agencies is where the PAP masked through their total absence of social safety nets, stringent & stingy welfare payment mechanism, the lack of a living wage & no prospect of a minimum wage, etc.
    But there were trade-offs for PAP’s excessive hoarding of capital & liquidity. That is why S’pore SME to this day remained small unable to transit to large-sized status – the Domestic Economy always stunted from Malnutrition (starved of capital & liquidity) from ever expanding. The consumption & spending activities by the masses were also limited as people had a higher propensity to save due to a lack of social welfare & safety nets. And SGX total capitalization had halved within a decade since the last market peak in 2008. The number of corporate listings & IPOs had dwindled to a trickle indicating a lack of business enterprise & entrepreneurship).
    The Pioneer Generation (majority were migrants from China, India & neighbouring countries) were forever beholden to the PAP because they had jobs, able to procure Public Housing, raise a family & basically had risen from poverty to enjoy a basic but satisfying life under the early PAP years. The Pioneer Generation didn’t have much to spend but they saved & scrimped every penny till their last day. It was those simple people who trust in the PAP but whose faith were abused for vote-banking in GE 2015 by the PAP. Now many were already gone, dwindling in numbers as we moved closer to 2020.
    - Cont’d -

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  • Rabble-rouser:

    - Cont’d -
    Next up were the Merdeka Generation (Baby Boomers) who had a better opportunities & were the ones who climbed the economic ladders to prosperity. The Merdeka Generation had better education & participants of S’pore climb up the economic prosperity ladder. It was this Merdeka Generation (with greater income earning & higher propensity of savings) who provided the social welfare safety nets to their own family, controlled much of the internal savings in lieu of the present day underemployment & unemployment situation for locals to fund their ability to subsist in this lousy eco-system. Also, many of their children had their overseas education investment paid by their Merdeka parents; their initial car installment repayments & first housing down-payment all coming from the Merdeka Generation’s generosity & pockets. It was the Merdeka Generation who provided the precious liquidity to keep S’pore so-called wealth effect going. And this is despite PAP’s atrocious means of withholding CPF from retirement use by them.
    But once the Merdeka Generation goes to roost ie. dead – The next Generation would be THE LOST GENERATION. No accumulated capital, no savings, no future in a harsh eco-system dictated by the PAP. The greatest irony is that even their parents’ HDB flats would be return to the govt leaving no residual as inheritance nor a sum of money as downpayment for the next flat.
    You see, despite the PAP/HDB greed to “recycle” HDB flats for further profits down the road – It eventually leads to an impoverished state on the masses & an inability to comeback from a state of destitution.
    THERE IS A BLEAK FUTURE AHEAD FOR ALL S’POREANS! Understand what I’ve written & use your minds to think & comtemplate.

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  • oxygen:

    @ Rabble-rouser

    BRILLIANT EXPOSITION THERE – the Merdeka Generation is the only generation that support the generation above them and those of the generation below.

    But the CPF/Public Housing and asset enhancement politics scams have stripped naked of bare minimum subsistence survival existence. This “kuai kuai” generation got thoroughly duped and has no opportunity of recovery in old age of no further employability. The central core of our society is decimated and PAPpys are in denial of reality of their failed policies.

    Many among this lot is still stubborn and naive and consumed by their own delusions that PAPpys are invincible and bet everything on PAPpys and lost wholesale.

    CANT SAY I FEEL SORRY FOR THEM – they got what they voted for.

    Rabble-rouser: Next up were the Merdeka Generation (Baby Boomers) who had a better opportunities & were the ones who climbed the economic ladders to prosperity. The Merdeka Generation had better education & participants of S’pore climb up the economic prosperity ladder. It was this Merdeka Generation (with greater income earning & higher propensity of savings) who provided the social welfare safety nets to their own family, controlled much of the internal savings in lieu of the present day underemployment & unemployment situation for locals to fund their ability to subsist in this lousy eco-system. Also, many of their children had their overseas education investment paid by their Merdeka parents; their initial car installment repayments & first housing down-payment all coming from the Merdeka Generation’s generosity & pockets. It was the Merdeka Generation who provided the precious liquidity to keep S’pore so-called wealth effect going. And this is despite PAP’s atrocious means of withholding CPF from retirement use by them.
    But once the Merdeka Generation goes to roost ie. dead – The next Generation would be THE LOST GENERATION. No accumulated capital, no savings, no future in a harsh eco-system dictated by the PAP. The greatest irony is that even their parents’ HDB flats would be return to the govt leaving no residual as inheritance nor a sum of money as downpayment for the next flat.
    You see, despite the PAP/HDB greed to “recycle” HDB flats for further profits down the road – It eventually leads to an impoverished state on the masses & an inability to comeback from a state of destitution.
    THERE IS A BLEAK FUTURE AHEAD FOR ALL S’POREANS! Understand what I’ve written & use your minds to think & comtemplate.

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  • Sad:

    Many have depended on their HDB flat for their retirement needs as they have very little savings after paying for the flat.
    Turn out cannot depend on it as its value has gone down…to zero.
    Sad end for many.Bad Policy…

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  • Bapak:

    There will come a time when many SGs will be homeless. The biggest mistake by the people is letting PAP runs our lives for so long.

    Sad:
    Many have depended on their HDB flat for their retirement needs as they have very little savings after paying for the flat.
    Turn out cannot depend on it as its value has gone down…to zero.
    Sad end for many.Bad Policy…

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  • rukidding:

    DON’T even think that your Cppf $$$ will be able to help the “LOST GENERATIONs ?????

    What the Fiack ?…..are you people also aware that the Cppf Nomination form has a “tiny,tiny sub clause” printed that MOST PEOPLE AR’ent even AWARE ????

    DO YOU KNOW that when you “KONK” ( kick the bucket)….YOUR NOMINEES “W’ONT BE RECEIVING ANY CASH AT ALL ” !!!!!!

    Go read that “tiny, tiny sub clause” in the Nomination form !!!!!

    IT says CLEARLY that your “funds” WILL BE DEPOSITED INTO YOUR NOMINEEs MEDISAVE account !!!!!

    That means,…..most of your “Hard earned $$$$ which was locked/trapped inside the Cppf…….WILL AGAIN !!!…..”Continue to be TRAPPED and LOCKED INSIDE YOUR Nominee’s MEDISAVE account !!!!!

    What a BIG SCAM !!!!!

    BETTER GO AND D YOUR HOMEWORK with Cppf Board NOW, NOW !!!

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  • HDB - Refund the Land Cost!:

    Price of a HDB flat at time of sale includes the price of land.

    So it is only fair that the price of land be refunded to HDB lessees
    after 99 years!

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  • Sack Them All:

    HDB - Refund the Land Cost!:
    Price of a HDB flat at time of sale includes the price of land.

    So it is only fair that the price of land be refunded to HDB lessees
    after 99 years!

    Absolutely. Why shouldn’t the investment paid for the HDB land be returned to hardworking sinkies? These are not free and had been paid using hard earned CPF. It is retirement money for sinkies.
    How can the PAP government just steal this openly?

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  • Greedy & Evil To The Core:

    Even SDP, with meagre resources, could come up with sensible HDB policies to resolve the greedy mess created by PAP, then why can’t PAP do the same?

    The reason is definitely PAP has taken hardworking sinkies for granted, treating everyone as lesser mortal to be abused and milked, you die your own business or to keep you barely alive to milk you further.
    They squandered our hard earned CPF savings through investment gamble to enrich themselves.
    They flooded the country with cheap foreign workers to enrich themselves.
    They skimped on welfare, healthcare and infrastructures to enrich themselves.
    They conned you and made you pay everything for a HDB asset enhancement to zero value scam.
    They hold back your CPF further and further and encourage cronies to distort the fact that CPF is your own money to not your money.

    The time of PAP is up. Facts have shown PAP cannot be trusted.
    A new chapter, beginning and new government is needed for this country.

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  • We've been conned:

    …also , we should NOT be paying Property Tax on our HDB flats.
    NOT our property,belongs to HDB or Gov…and will they take your flat back at 99yo lease end.
    So many controversies!

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  • Watch this: proof:

    https://youtu.be/vs1o2eYR8uU

    From the horse’s mouth. Now all terbalek pusing !

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  • Fault Lies With Themselves!:

    Think carefully before you vote at the next GE!

    Don’t repeat the same mistake as what you did at GE 2015!

    Singapore can be a better place if there is a Balanced Parliament!

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  • Fault Lies With Ourselves!:

    We believe in what we were told; Collect CPF at 55, no one will be left behind, manage cost of living, etc.

    So we can’t blame anyone but ourselves.

    Don’t make the wrong choice again at the next GE!

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