Helping families to deal with financial stress (Part 1)

You must have read the story of the double murder in Woodlands. The father suffered a severe drop in his income as a property agent and incurred a huge gambling debt. He killed his pregnant wife and young daughter.

What could be done to deal with this kind of problem?

Clearly, the family needed help to deal with the financial crisis and mental health.

Here are some steps that could be taken:

a) The father should seek medical help to deal with the mental health and stress.

b) The father should get legal help to declare bankruptcy to avoid the burden of the gambling debt.

c) The father should be allowed to draw out a monthly allowance to meet the living expenses of the family from a mortgage on his HDB flat or from his CPF account. The current regulations do not allow this kind of withdrawal. These regulations should be changed.

Currently, there is the legal aid department and social workers who provide these assistance. The state should increase the workers to meet the needs of more people who needs the help. The work process should be improved to ensure that the help can be provided more speedily.

Will the proposed measures lead to a morale hazard and get more people into this situation? It might, but the risk is likely to be small and can be managed. We should not allow the fear of this kind of morale hazard force us to continue the rigid thinking and not deal with the problem.

How many deaths should happen before we take the correct remedial measures?

 

Tan Kin Lian

 

 

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18 Responses to “Helping families to deal with financial stress (Part 1)”

  • My 2 cents:

    a) The father should seek medical help to deal with the mental health and stress.

    Already so broke liao where got money to see psycho doctor, who charges by the hour and only the rich can afford.

    b) The father should get legal help to declare bankruptcy to avoid the burden of the gambling debt.

    A possibility, but illegal loan sharks got hue Official Assignee one meh? Besides, man wor, declare bankrupt sibei no face one.

    c) The father should be allowed to draw out a monthly allowance to meet the living expenses of the family from a mortgage on his HDB flat or from his CPF account. The current regulations do not allow this kind of withdrawal. These regulations should be changed.

    Liz one Tan also can think of. The only way this is going to happen is over the famiLEE’s dead body. Want gahment to come out with money to support citizen, sorry hor, not in the PAPpies’ dictionary hor.

    Tan should go write an article on hpw millisters are overworked and underpaid and then recommend a 50% pay raise, guarantee will be implemented by next month’s pay day.

    As long as PAPies own the parliament, Singaporeans can only dream on getting any support from liz gahment.

    Name me one (if any) policy that has significantly benefited most citizens, financially. I can’t think of one, can you? lol

    .

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  • 1958:

    Bad happening = bad Feng shui.

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  • Orchard Towers:

    Spot nothing at all

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  • Vote for Change:

    Must have lost his good paid job to FT. The dead wife and daughter should help him haunt the ‘One’ that said FT creates more jobs to join them soon.

    This is a society problem not created by him. He was forced into the situation. His replaced job basic salary only $1500 [from $8000] and still he must pay $850 school fees for his daughter every month. Its apparent what sought of situation he and many typical Singaporeans are forced into. With all the rising tax hikes, GST going 9%, Electricity up another 6.4% etc… many people are facing the brunt and depleting their savings.

    You cannot be so easily diverting the “Problems” with the way the news reporting. Who never lost money on 4D. You cannot simply call 4D punters as gambler and divert the attention away from the society problem created by MIW. I say many are facing such situation and predicaments.

    That poor guy didn’t know how to control and relate his problems to others. Yes, he has a problem. He did not have a wife that’s helpful and understanding.

    Vote for Change so that we better Protect the future of our children.

    Apparently, Problems are beginning to surface. Soon it will hit many hard.

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  • TruBlu:

    Our SOCIAL SAFETY NET is rathet weak n thats WHY so many sgs have broken up.
    Many lost their jobs n used up their meagre savings owing to IRRATIONALLY *UPLIFTED* COL by the greedy gahmen.

    Thugs are springing up again when once it took us great pains n efforts to wipe gangsterism n hooliganism out.

    Now,you hardly see police patrolling around despite the heavy influx of foreigners n the increase in violence and bullying.
    Youngsters have no regard for older sgs n even BEAT them up?

    Families are broken n still breaking up as more and more bread-winners lose their jobs n cannot provide for their growing-up kids especially teenagers.

    Pawnshops are mushrooming everywhere,it is not a good sign or LEE AH LONG N HIS ADVISORS THINK IT IS?

    Still,the greedy gahmen make life harder by taxing via direct n indirect ways n even STEAL OUR CPF while scringing on SOCIAL ASSISTANCE even as they squander on obstentatious like F1,JEWEL, GARDEN$ BY THE BAY,FT-SCHOLARSHIPS N THROW MONEY AT TOO BIG TO FAIL FOREIGN BANKS.

    LEE AH LONG IS THE MAIN PERPETRATOR N HIS JESTERS SIMPLY TAG ALONG INSTEAD OF CAUTIONING HIM LIKE HOW DR GOH KS CAUTIONED LKY.

    CHANGE IS NEEDED.
    Since it cannot come from the PAPies,it must come from outside the PAP.

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  • True facts:

    True and agreed.

    U cannot pappies to help in such cases.

    They already keep sucking the peoples dry.

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  • True facts:

    Cannot expect pappies to help in this cases.

    Keep taxing non stop n bring in fts to take our jobs.

    Plus steal our cpf.

    Need for change urgently.

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  • mike:

    Probably they feel that they owed much to the older gerneration for the Singapore today? Unlike the mothers of HKers who will go on to the street to protest together for their children.

    In HK, the pro-gov protesters are mostly oldies.

    TruBlu:
    Youngsters have no regard for older sgs n even BEAT them up?

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  • never vote pap:


    Currently, there is the legal aid department and social workers who provide these assistance. The state should increase the workers to meet the needs of more people who needs the help. The work process should be improved to ensure that the help can be provided more speedily.

    increasing the number of social workers aren’t exactly the solution, so these workers have to work by a pap manual on 3 meals in restaurant foodcourt hawker centre.

    pap when it comes to own welfare has its own manual, less than S$1m per year is mediocre and they need to pay each other S$m to maintain their standard of living and anyones less than S$m per year is embarrassed to be speaking with rich residents.

    pap when it comes to 70% sheep welfare has this other manual. CHAS blue maximum per capita household income is S$1,100 and below. a family of 2 with one working at S$2,201 gross per month is out of the CHAS blue. but S$2,201 gross per month in expensive land cost driven pap Singapore can hardly feed that person, what more another non working adult?

    so when tan kin lian says the above, he probably meant well but he forgot the pap manual for 70% sheep isn’t going to help at all even if the number of social workers is increased 10 times or 100 times.

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  • One black sheep:

    One black sheep , 69% still okay.

    This ” victim ” also into gambling tio boh?

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  • Diu Niah Seng:

    Aiyah close down that 2 blardy Giaxinloh (Casinos) then more than 80% of local hardcore gambling addiction problems all solved..

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  • Dr M is also an indian:

    Help ?

    Deal with stress ?

    Mr Tan see people too up.
    Just the subjects your write about in your article.

    You also claim people laugh at u. Some f u. Many of the 30% f u.

    U think how many can help ?

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  • Bad Boy:

    Answer is obvious.
    The donation amount to TR says it all.

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  • TruBlu:

    @mik
    Here too older sgs go to election rallies to support oppo,the young go to catch POKEMON?

    Meanwhile choose to $UCK LOLLIE$ in exchange for votes?

    Guess you oso never go to HLP to support our sgs who are older sgs who take the trouble to speak our for us?

    You are in dreamland.
    Are you a young bloke who beat up older sgs too or RUSH FOR SEATS in MRT trains?

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  • Python 5:

    He is mostly a property agent his entire career.

    these ppl gain more and more commission by the runaway increase in property prices which the govt has a big hand in.

    He probably voted for PAP when property prices kept climbing up and up.

    no pity for these people.

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  • DavidNeo&IreneVanessa:Bastards:

    Some people can be so simple and just scratch the surface. If aid so easy to get, he won’t have to kill.

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  • mike:

    @ TruBlu

    Bro, may be we come from different world. Many oldies i know in SG above 65 yrs old are strong supporters of MIW.

    Many woman i knew (married with kids) are strong supporters of Miw.

    Many single woman are strong supporters of miw

    You are dreaming if you choose to be blind and ignore this phenomenon.

    Stop your low-level assumption on others and respect yourselves more. What is there to respect the elders if they are stupid and ignorant? Respect for the sake that just because you are old? Laughable confucian values designed to control the mass common in autocratic social class system.

    Once, someone asked this question: Why there are more old people these days who are crooks?

    Answers: it is not that more old people are crooks today… but more crooks become older.

    Respect is earned, not given. I will stand up for an old folk bullied by anyone but i will leave him/her to die if i knew this old folk is unreasonable and arrogant.

    TruBlu:
    You are in dreamland.
    Are you a young bloke who beat up older sgs too or RUSH FOR SEATS in MRT trains?

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  • Won't Die If Help Exists:

    TKL you obviously have not spoken to any PAP “social workers” or gone through the process of asking for “PAP state help” before.

    You complained about Singpass archaic process after facing problems, imagine the problem zillions time over for getting PAP “state help”.

    The answer is obvious, it’s much easier to die than to get any help from PAP government. PAP help is only for Wayang only to hookwink simpletons.

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