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Podcasts didn't decide GE2025Podcasts didn't decide GE2025 I refer to the CNA’s Commentary: Podcasts didn't decide GE2025, but they changed how Singaporeans engage with politics (May 9). The 2025 General Election has several features/characteristics that deserve our attention, discussion and reflection: In today era, technological revolution, innovation and advancement...

GE2025: Stunning victory for PAPGE2025: Stunning victory for PAP I refer to the CNA’s report, “GE2025: Stunning victory for PAP, winning 87 of 97 seats with higher national vote share in PM Wong's first electoral test” (May 4). GE2025 has clearly delivered the following key messages/notes from the vast majority of voters: The Workers’ Party (WP) has done a fantastic good...

This is not a game of cardsThis is not a game of cards I can appreciate parties wanting to hold their cards close to their chest, but the smoke and mirrors games on nominations day, the shuffling of the DPM from a seat he had openly been declared to be defending, and other ministers shuffling constituencies leaves one feeling the PAP thinks it is playing a game of cards. Constituency...

Is a Parliament full of PAP MPs really better for Singaporeans?Is a Parliament full of PAP MPs really better for Singaporeans? I refer to The Online Citizen GE2025 news report, “Lee Hsien Yang: Is a Parliament full of PAP MPs really better for Singaporeans?” - (April 14), and “The Straits Times’ report, “GE2025: Singaporeans will go to the polls on May 3, Nomination Day on April 23” (April 15), and The Online Citizen GE2025 report,...

𝐈𝐧𝐜𝐨𝐦𝐩𝐞𝐭𝐞𝐧𝐜𝐞 𝐚𝐧𝐝 𝐭𝐡𝐞 𝐧𝐞𝐞𝐝 𝐟𝐨𝐫 𝐀𝐜𝐜𝐨𝐮𝐧𝐭𝐚𝐛𝐢𝐥𝐢𝐭𝐲𝐈𝐧𝐜𝐨𝐦𝐩𝐞𝐭𝐞𝐧𝐜𝐞 𝐚𝐧𝐝... Is the PAP of today exceptional, with unmatched competence and delivery? Afterall, that is their justification for the highest salaries in the world. Let’s look at its more recent track record. Large numbers of NRIC numbers were recently unmasked, leaving Singaporeans exposed to identity theft, fraud, abuse and scams....

GE2025: Red Dot United to contest in Holland-Bukit TimahGE2025: Red Dot United to contest in Holland-Bukit Timah I refer to the CNA news, “GE2025: Red Dot United to contest in Holland-Bukit Timah GRC but may make way for Singapore Democratic Party” (April 10), “More opposition 'star catches' are emerging. Is Singapore's political scene maturing?” (April 10) and “PSP says government response to Trump tariffs 'overblown',...

GE2025: Why Singapore's high-flying bureaucrats are recruited into politicsGE2025: Why Singapore's high-flying bureaucrats are recruited... I refer to CNA’s news, “GE2025: Why Singapore's high-flying bureaucrats are recruited into politics” (Mar 28). It is not surprised to notice that in recent weeks, two NMPs and top ministry officials have resigned, fuelling speculation they could be fielded as potential candidates for the ruling People's Action...

More than 2.75 million Singaporeans eligible to vote in GE2025More than 2.75 million Singaporeans eligible to vote in GE2025 I refer to The CNA’s News, “GE2025: More than 2.75 million Singaporeans eligible to vote” (Mar 25). As Singapore’s General Election is due to be held within this year, the following factors will more or less influence the election situation this year: A)The general mentality of voters Voters are generally...

How the end of Ukraine war could be secured, even with waning US supportHow the end of Ukraine war could be secured, even with waning... I refer to the CNA’s commentaries, “How the end of Ukraine war could be secured, even with waning US support” (Mar 4), “Lessons from the Trump-Zelenskyy meltdown- for friends and foes” (Mar 1) and “Will Trump tariffs push China to change economic tack?” (Mar 3). Foremost, we need to recognise the reality...

Singapore Army Recruits Deserve a Minimum WageSingapore Army Recruits Deserve a Minimum Wage Singapore Army Recruits Deserve a Minimum Wage: National Service Should Not Come at the Expense of Opportunity Costs Singapore’s National Service (NS) has long been a cornerstone of the nation’s defense, requiring young men to dedicate two years of their lives to military, civil defense, or police service. While...

Trump-Putin deal on Ukraine will be Europe’s moment of reckoningTrump-Putin deal on Ukraine will be Europe’s moment of... I refer to the CNA’s Commentaries, “Trump-Putin deal on Ukraine will be Europe’s moment of reckoning” (Feb 20) and “Ukraine can survive with the ‘least worst’ peace” (Feb 22). Now, In the eyes of European Union, they have lost trust and confidence in the United States, it is solely due to the flip flop...

From Deepseek to Huawei, US tech restrictions on China are backfiringFrom Deepseek to Huawei, US tech restrictions on China are... I refer to the CNA’s Commentary, “From Deepseek to Huawei, US tech restrictions on China are backfiring” (Jan 31). Would it be practical, useful and effective for the United States to continually pursue an aggressive containment strategy to hobble China’s tech push? Undoubtedly, the answer is obviously not. There...

Don't get distracted by Trump's outlandish Cabinet picksDon't get distracted by Trump's outlandish Cabinet picks I refer to the CNA’s Commentary: “Don't get distracted by Trump's outlandish Cabinet picks” (Nov 25), and “'No one will win a trade war’, China says after Trump tariff threat” (Nov 26). As everyone knows, U.S. President-elect Donald Trump will return to power on January 20, 2025. Trump has dismissed...

Putin escalates Ukraine warPutin escalates Ukraine war I refer to The CNA’s Commentary: “Putin escalates Ukraine war by a step, not a leap, with missile experiment” (Nov 23). Foremost, Zelenskyi’s intention to join Nato has greatly threatened the security and survival of Russia. Hence, Zelenskyy has offended Putin and Putin has no choice but to launch a war with...

Will PM Wong address the astronomical ministerial salaries?Will PM Wong address the astronomical ministerial salaries? I refer to The TR-Emeritus opinion article, “Will PM Wong address the astronomical ministerial salaries” (June 14) by Mr Yoong Siew Wah. It has always been a controversial topic which concerns about our top political leaders who receive their salaries that are many times higher than those foreign political leaders. Our...

Due to the nature of the news and contents appearing on TR Emeritus, we are rating the website for 'above 18' only.
Editorials
Strong hailstorm strikes China's Xi'an causing airport...

Strong hailstorm strikes China's Xi'an causing airport...

On the evening of May 8, Xi’an, the capital city of China’s Shaanxi Province, was struck by a powerful...
Four parties lost their election deposits in GE2025

Four parties lost their election deposits in GE2025

A total of four opposition parties, the Singapore United Party (SUP), People's Power Party (PPP), People’s...
Level 16 super typhoon devastates multiple cities in...

Level 16 super typhoon devastates multiple cities in...

Northern China was hit by an extreme weather event on Thursday as a massive cold front swept south, colliding...
Level 15 winds destroy buildings rooftops and cause...

Level 15 winds destroy buildings rooftops and cause...

On April 30, northern China was struck by an extreme weather event as a massive cold vortex surged southward,...
TR Emeritus to 'shut-up' on 2nd May 2025

TR Emeritus to 'shut-up' on 2nd May 2025

Please be informed that TR Emeritus (TRE) will shut down its comment function site-wide at 0000 hours...
Chaos in China as extreme storm destroys homes and...

Chaos in China as extreme storm destroys homes and...

Beijing’s 22 million residents were asked to stay indoors on Saturday, as powerful winds swept across...
China, Thailand, and Myanmar in ruins after devastating...

China, Thailand, and Myanmar in ruins after devastating...

On March 28, 2025, a devastating 7.7-magnitude earthquake struck central Myanmar near Mandalay, causing...
Myanmar 7.7 earthquake collapses buildings in Thailand,...

Myanmar 7.7 earthquake collapses buildings in Thailand,...

A powerful 7.7 magnitude earthquake struck central Myanmar on March 28, 2025, causing widespread panic...
Beijing shocked by earthquake and mega sandstorm

Beijing shocked by earthquake and mega sandstorm

Since March 24, 2025, northern China has been battling extreme weather as a massive sandstorm swept through...
Mega hail causes mass destruction in Fujian and Guangdong

Mega hail causes mass destruction in Fujian and Guangdong

An unexpected and severe hailstorm struck multiple cities in Guangdong and Fujian between March 3 and...
Extreme weather struck multiple regions in China

Extreme weather struck multiple regions in China

On March 2, 2025, extreme weather struck multiple regions in China, with parts of Henan province experiencing...
Happy Chinese New Year 2025

Happy Chinese New Year 2025

Wishing all our Chinese readers:     Team@TR Emeritus  
Huge snow caused numerous disruptions on China's major...

Huge snow caused numerous disruptions on China's major...

As the Chinese New Year approaches, millions of people across the country are making their annual journey...
The rapidly spreading HMPV virus you haven’t heard...

The rapidly spreading HMPV virus you haven’t heard...

Human Metapneumovirus (HMPV) is making headlines as cases surge, especially among children and vulnerable...
4.1 magnitude earthquake shakes Shanxi's Linfeng city

4.1 magnitude earthquake shakes Shanxi's Linfeng city

On the evening of January 10, 2025, Linfen City in Shanxi Province was struck by an earthquake. The tremor,...
7.8 magnitude earthquake devastates Tibet

7.8 magnitude earthquake devastates Tibet

A magnitude 7.1 earthquake has hit Tibet, in the region of Shigatse, which is near the border with Nepal. According...
Outbreak of mystery virus in China

Outbreak of mystery virus in China

China is r eportedly facing a new health crisis as the human metapneumovirus (HMPV) outbreak rapidly...
Unknown Virus Rampages in China; Hospitals Utterly...

Unknown Virus Rampages in China; Hospitals Utterly...

A blogger in China has shared a video, claiming that this isn’t China’s Spring Festival travel rush;...
Opinions
The three of threes about DPM Heng Swee Kiat

The three of threes about DPM Heng Swee Kiat

The first part of the threes is about the when, the how and the why? And it is about his retirement...
我们是否该重新思考国防开支的优先顺序?

我们是否该重新思考国防开支的优先顺序?

新加坡政府近日宣布将采购两艘额外的“无畏级”潜艇,引发了一个重要问题:我们的国防力量,到底需要多强? 毫无疑问,一个强大且可信的军队对于保障国家主权与威慑潜在威胁是不可或缺的。新加坡地处战略要冲,国土面积有限,因此需要一支现代化的武装部队。然而,当我们对比邻国——马来西亚拥有两艘潜艇、印尼正逐步扩展至十二艘——新加坡在水下战力上已处于领先地位。这不禁让人质疑,我们是否正引领着一场无声的区域军备竞赛? 问题在于:当威慑的需求被满足后,继续扩军是否已经超出必要? 一艘“无畏级”潜艇的估价超过十亿新元,还不包括长期的运营与维护成本。这两艘新潜艇的资金,若能转用于迫切的民生需求,例如医疗保健、老龄化支援、教育及弱势群体扶助,或许对社会的整体韧性更具意义。 政府一再强调国防开支是经过审慎规划的,但当生活成本日益上升,政府却仍需将消费税(Gst)提高至9%甚至更多,这种矛盾不禁令人困惑。如果某些战略性国防项目能够延后或循序推进,节省下来的资源是否可以用于社会发展呢? “全面防卫”不仅仅是硬件实力,更是要赢得人民的心与信任。让人民感到安心、有保障、受到重视,这种安全感无法靠潜艇来衡量,而是通过每一位国人的生活实感体现出来。 这并非是在呼吁削弱我们的国防,而是呼吁我们重新思考国家的优先事项。当我们继续推进军事现代化的同时,也不要忽视同样重要的任务——巩固社会契约、增强国民凝聚力。   Cwc-Ai  
Cutting down reliance on US military equipment

Cutting down reliance on US military equipment

There is a rampant rumor going around that claims Egypt has ordered 48 J10C with a price tag of USD$25B...
2025大选—明确授权,变化中的政治格局

2025大选—明确授权,变化中的政治格局

2025年大选结果无可争议,政府再次赢得了强有力的授权,稳固了其在新加坡政治格局中的主导地位。尽管选举结果并不令人意外,但胜利的过程却并非没有争议和复杂性。 值得注意的是,选区划分的变化在本次选战中发挥了重要作用。陈清木医生与徐顺全医生等资深反对派人物,因选区重划而受到显著影响——传统支持基础被分割或并入他区,无疑左右了某些关键选区的最终结果。虽然选区调整在新加坡选举历史上并不罕见,但其公平性与透明度仍持续引发讨论。 工人党虽稳守东北区的传统堡垒,但未能在本届大选中攻下新的选区。不过,该党仍获得两个非选区议员(Ncmp)席位,虽属安慰性质,却在象征意义上维持了国会内多元声音的存在。 更值得关注的是,本届大选所处的人口背景正经历剧烈变化。新加坡人口从2000年的约300万增长至2025年的超过500万。考虑到多年来出生率持续偏低,这一增长几乎可以肯定主要归因于移民流入,尤其可能在华人群体中增长显著。这一趋势对国家的社会结构和政治生态产生了深远影响。 展望2030年大选,各政党不仅要面对一如既往的选区调整与突发的全球事件,更需正视一个不断演变的社会结构。随着越来越多新移民成为国民,选民构成日益多元,政党在政策制定与信息传递上必须更具包容性与前瞻性。他们必须同时争取老一代公民与新加坡新公民的认同,回应共同关切,并跨越代际与文化差异的鸿沟。 在新加坡持续向前迈进的过程中,其政治也必须与时俱进——反映日益多元的人口现实,同时坚守国家的核心价值观:团结、韧性与务实。 Cwc-Ai
A jaw-dropping election

A jaw-dropping election

This is a jaw-dropping election. For the opposition. SDP’s Dr Chee and PSP’s Leong were deeply disappointed....
The Nation has rejected multi-party Parliamentary representation

The Nation has rejected multi-party Parliamentary representation

Our party suffered great losses and I personally have suffered the greatest hit. But these personal losses...
A False Analogy That Insults the Intelligence of Singaporeans

A False Analogy That Insults the Intelligence of Singaporeans

Minister Ong Ye Kung’s recent assertion that a “co-driver” bears no responsibility if a car crashes...
There is a cost to losing

There is a cost to losing

There is a cost to losing. At least in PAP’s books. And one of the costs is a policy of priority. That...
Hougang Belongs to the People

Hougang Belongs to the People

Thank You for the Reminder, Mr Marshall Lim. It is with no small measure of amusement that one reads...
Its all about trust

Its all about trust

Dr Ng Eng Hen from PAP has pointed out the most important key point about this General Elections, it...
Misunderstanding What Singaporeans Truly Expect from...

Misunderstanding What Singaporeans Truly Expect from...

The government's repeated assertion that it is "easy for the opposition to ask the government to give...
Punggol GRC

Punggol GRC

Punggol GRC is without question one of the most hotly watched, followed and contested constituency in...
Should Singapore Be Concerned About David Neo’s “Action-Takers,...

Should Singapore Be Concerned About David Neo’s “Action-Takers,...

Singaporeans should pause and reflect on the recent remark by PAP candidate David Neo, who said that...
Why Singaporeans Must Reconsider the Dismissal of SDP’s...

Why Singaporeans Must Reconsider the Dismissal of SDP’s...

The Singapore government’s blunt assertion that the Singapore Democratic Party (SDP)’s proposals...
Expect the exchange of barbs in politics

Expect the exchange of barbs in politics

In a political contest, expect the exchange of barbs. And we do not lack any of it in the rallies held...
Don't Be Swayed by the Noise—Think Critically Before...

Don't Be Swayed by the Noise—Think Critically Before...

In recent weeks, the political buzz in Singapore has reached a new high. Massive crowds at opposition...
We vote whoever is deserving of our vote

We vote whoever is deserving of our vote

I am surprised that Lee Hsien Loong chose to remind us of the 1997 shameful episode when he, his father...
The Case for a Diverse and Balanced Parliament

The Case for a Diverse and Balanced Parliament

The Singapore government has recently stated that "Good government needs good people" and cautioned against...
Letters
Podcasts didn't decide GE2025

Podcasts didn't decide GE2025

I refer to the CNA’s Commentary: Podcasts didn't decide GE2025, but they changed how Singaporeans engage...
GE2025: Stunning victory for PAP

GE2025: Stunning victory for PAP

I refer to the CNA’s report, “GE2025: Stunning victory for PAP, winning 87 of 97 seats with higher...
Is a Parliament full of PAP MPs really better for Singaporeans?

Is a Parliament full of PAP MPs really better for Singaporeans?

I refer to The Online Citizen GE2025 news report, “Lee Hsien Yang: Is a Parliament full of PAP MPs...
GE2025: Red Dot United to contest in Holland-Bukit...

GE2025: Red Dot United to contest in Holland-Bukit...

I refer to the CNA news, “GE2025: Red Dot United to contest in Holland-Bukit Timah GRC but may make...
GE2025: Why Singapore's high-flying bureaucrats are...

GE2025: Why Singapore's high-flying bureaucrats are...

I refer to CNA’s news, “GE2025: Why Singapore's high-flying bureaucrats are recruited into politics”...
More than 2.75 million Singaporeans eligible to vote...

More than 2.75 million Singaporeans eligible to vote...

I refer to The CNA’s News, “GE2025: More than 2.75 million Singaporeans eligible to vote” (Mar...
How the end of Ukraine war could be secured, even with...

How the end of Ukraine war could be secured, even with...

I refer to the CNA’s commentaries, “How the end of Ukraine war could be secured, even with waning...
Singapore Army Recruits Deserve a Minimum Wage

Singapore Army Recruits Deserve a Minimum Wage

Singapore Army Recruits Deserve a Minimum Wage: National Service Should Not Come at the Expense of Opportunity...
Snippets
Singapore’s Sports Industry: A Rising Powerhouse...

Singapore’s Sports Industry: A Rising Powerhouse...

Singapore’s sports industry is on the cusp of greatness, leveraging cutting-edge infrastructure and...
What are the most popular hobbies in Singapore in 2025?

What are the most popular hobbies in Singapore in 2025?

As work-life balance remains a constant talking point in the fast-paced city-state of Singapore, residents...
10 Most Popular Mobile Games in Singapore

10 Most Popular Mobile Games in Singapore

Singaporeans can't get enough of their phones these days, spending tons of time battling opponents, building...
Langkawi to Koh Lipe Ferry: Complete Travel Guide

Langkawi to Koh Lipe Ferry: Complete Travel Guide

Planning a tropical escape from Malaysia to Thailand? The journey from Langkawi to Koh Lipe offers a...
This is not a game of cards

This is not a game of cards

I can appreciate parties wanting to hold their cards close to their chest, but the smoke and mirrors...
𝐈𝐧𝐜𝐨𝐦𝐩𝐞𝐭𝐞𝐧𝐜𝐞 𝐚𝐧𝐝...

𝐈𝐧𝐜𝐨𝐦𝐩𝐞𝐭𝐞𝐧𝐜𝐞 𝐚𝐧𝐝...

Is the PAP of today exceptional, with unmatched competence and delivery? Afterall, that is their justification...
The sleep science revolution in elite sports

The sleep science revolution in elite sports

Professional sports have entered a new era where recovery science directly impacts performance outcomes....
Sports Betting in Online Casinos as a Way to Improve...

Sports Betting in Online Casinos as a Way to Improve...

In today's world, online sports betting has become not only a popular form of entertainment but also...
Sticky & Recent Articles

Citizens cry out against rising HDB prices

Citizens cry out against rising HDB prices

From our Correspondent The rising prices of new and resale HDB flats has led to an outcry from citizens for government intervention. Since the first quarter of 2007, the HDB resale price index has increased 35.3 per cent and is now at a record high. The recent launch of Punggol Residences by HDB also fetch record prices for 4 and 5 room flats in the vicinity.  In spite of the relentless price increase, the government remains adamant that HDB flats are affordable. The Senior Minister of state for National Development Grace Fu even commended on the rise in asset value as "healthy" as flat owners now earn more from sale of their flats. In an article titled "Squeezed even harder", Chew "urge the Government to reconsider the income ceiling of $8,000 as a criterion to be eligible for the Central Provident Fund (CPF) housing grant, which has been in place since 1994." (read letter here)  He proposed a series of measures to help the "sandwich" population such as increasing the income ceiling of $8,000 and the supply of new public housing. His thoughts were echoed by Mr Trevor Tan who wrote: "Two failings come to mind - that public housing has become too correlated to the private market, and that HDB has not regulated its supply in line with immigration and demographic trends." The prices of new HDB flats are pegged to around 70% of the prices of resale flats in the same precinct. Resale flats remain in demand despite the price increase in recent years due to the influx of immigrants. This explains its paradoxical rise when the private property market is going downhill. 85% of Singaporeans live in public housing built by the government. Though they were meant to be cheap and affordable to the masses, price hikes in the last decade has kept them increasingly out of reach to the lower income group. For the price of a 3 room HDB flat, one is able buy a bungalow in Johor just cross the Causeway.  Read More →

PAP pondering how best to fight to stay in power

PAP pondering how best to fight to stay in power

By Seah Chiang Nee from The Star POLITICS is one of the things that have changed least in Singapore. Over a quarter of a century, the economy has been restructured, the demography has changed; new people have come and old trends have gone – pretty much of everything else, except perhaps politics. It seems to have remained relatively as it had been. For many elderly conservatives, that may not be a bad thing, since it also means stability and continuity. But faced with an uncertain world and a demanding new generation, the People’s Action Party (PAP) could be heading for a tougher time winning elections in future. As its founding leader, Minister Mentor Lee Kuan Yew once painted it: The next two elections should be no problem, but after that, anything goes. Now with the economic crisis affecting more families, the PAP has obviously been pondering how best to fight in order to stay in power. It’s a tough act as it strives to achieve a balance between rising – and contrasting – demands from various segments of society, from educated youths and disgruntled workers to poorer Singaporeans. For 50 years, the PAP has been winning elections to stand as one of the world’s few undefeated political parties, but with the help that power and incumbency has bestowed upon it. So what is its strategy to stay relevant? Prime Minister Lee Hsien Loong apparently wants to change the Constitution to have a Parliament with two components. The first is the normal 84 elected legislators who debate and pass laws and the second, a less significant, non-elected segment with watered-down rights to improve debate. This second force of 18 will comprise nine nominated MPs, chosen from a cross-section of non-partisan Singaporeans and up to nine non-constituency MPs (NCMPs) from the opposition camp. As an example, if the next election were to throw up only two opposition winners, then the best seven losers will qualify as NCMPs. In recent weeks, the pro-government press has been playing up the role of nominated MPs as well as the desirability of appointed Cabinet ministers. All these have one thing in common. They downplay the importance of opposition parties in Parliament or in Singapore’s political system. PAP party member Xu Kaixian wrote in Petir, the PAP organ, that democracy does not necessarily need the presence of opposition. “Currently, any deviation from Western-style democracy is denounced as authoritarian. But should that be the case?” the writer asked. “Wouldn’t it be better if each country practised a democracy which best suits its situation? Is there really a need for democracy in Singapore to mirror the West’s?” Adding to this is a suggestion by PAP backbencher Hri Kumar Nair that Singapore consider appointing Cabinet ministers who are not MPs or may not even be members of the ruling party. The Government appears to be telling young Singaporeans: You want debate, we’ll give it to you; you want Parliamentary democracy, you can have it too – but not necessarily through elections or a two-party system. It apparently thinks it can satisfy their aspirations for greater debate and opposition in Parliament – without the PAP losing any seats. Lee Kuan Yew has always been wary about the potential dangers of one-man-one-vote system. Last year he warned that “a freak election” could wipe out Singapore’s success. This could happen if voters became bored and decided to give the vociferous opposition a chance out of ‘light-heartedness, fickleness or sheer madness’. “In five years, you can ruin this place and it’s very difficult to pick up the pieces,” he said. Last November, his PM son said that a “two-party model cannot work” in Singapore, and it is “much better off with one dominant party”. Since then he has stepped back a little by saying that “Singaporeans want national issues to be fully debated.. (so we should) improve our political system to encourage a wider range of views in Parliament, including opposition and non-government views”. Lee’s measures have generally been well received as a positive development. Critics, however, call it a sham reform that tries to manufacture a fake opposition, instead of freeing the environment to allow it to grow. “It is an attempt to tell Singaporeans that they could safely vote for the government without being deprived of an opposition voice,” an opposition member said. “The nature of Parliament should not be changed. It is after all a legislative body of representatives that should be freely elected by the people, not appointed, nor nominated,” he added. PM Lee is facing an increasing call from young Singaporeans for freer politics and lesser government controls. This was reflected in a speech by newly nominated MP Viswa Sadasivan, appealing for the government to “let us take a chance on our people, on ourselves.” He said: “In my view, it is the duty of a responsible government to help evolve a political climate that encourages greater interest and participation from the people. “If not, people are likely to feel increasingly alienated and disenfranchised resulting in apathy and, worse, cynicism. I fear this is already happening.” Balanced against this is the other point of view expressed by Lee Kuan Yew in 2006: “Please don’t assume that you can change governments. Young people don’t understand this.” On another occasion, Lee said: “Without the elected President and if there is a freak (election) result, within two or three years, the army would have to come in and stop it.” So far none of the younger political leaders has repeated this warning. Source: The Star  Read More →

Singapore’s Loan Sharking Problem

Singapore’s Loan Sharking Problem

By Ben Bland from Asia Sentinel When the Singapore police nailed four suspected members of a loan-sharking syndicate on July 21, they seized the usual paraphernalia: mobile phones and prepaid SIM cards and the time-honored tools of intimidation such as paint to be splashed on the doors of bad debtors and superglue to lock them inside their apartments. But while loan sharks – or Ah Longs as they are known – have long been a ubiquitous presence on Singapore's sprawling public housing estates, this gang is one of a growing number taking bully-boy tactics to the next level. One of the members, according to the police, had been sending bullets to borrowers in an attempt to scare them into paying up. The syndicate, which police said was responsible for more than 600 harassment cases, were said to have also been terrorizing the wider community by starting fires outside the apartments of bad debtors. Cynthia Phua, an MP from the ruling People's Action Party, told local media in a recent interview that the level of harassment in her constituency in eastern Singapore has surged. "It is also more violent," she said. "We are seeing things we did not see before, like petrol bombs and innocent neighbors being harassed." In a city-state that proudly boasts one of the lowest crime rates in Asia, such violence was once rare. But, worryingly for the government and the vast majority of the population who live in the public housing estates, it is becoming increasingly widespread as the economic crisis forces more people to turn to loan sharks. Although overall crime fell slightly in the first half of the year, the number of reported cases of loan sharking and harassment more than doubled to 9,395, according to the Singapore Police Force. The number of people arrested for such offences doubled to 417, with a sharp rise in the number of young people getting involved in loan shark gangs. One in five of those arrested for loan sharking and intimidation was aged 19 or under, compared with just one in 10 in the first half of last year. The police are particularly concerned about the increasing involvement of teenagers, acknowledging that it has become one of their "key crime concerns" this year. While Singapore's loan sharks rarely resort to the sort of extreme tactics practiced by their counterparts in Macau and Hong Kong – kidnapping and sometimes murder, or pouring petrol under the door of someone in arrears and lighting it - they are well-versed in the language of intimidation and fear. The Singapore Ah Longs spray graffiti on the walls of common areas identifying bad debtors, threaten their family members and vandalize their cars and apartments. Although they target the debtors and their families, they spread fear throughout the community, not least because the junior loan shark runners often go after the wrong people. The government has blamed this crime wave on the deteriorating economic climate in which gross domestic product fell by 9.5 percent in the first quarter of 2009 and 3.5 percent in the second. The tough times for the loan sharks' prey, the police say, are exacerbated by the fact that many of the younger debtors end up joining the syndicates as runners when they can't afford to repay their loans. And the terms are steep, normally a usurious 40-50 percent per month if the luckless borrowers can meet the agreed payments, i.e., if they borrow S$800, they pay back $1,200 after five weeks. They are the lucky ones. Defaulters are met by a demand that the borrower pay the full amount as a penalty charge. The annual rate can thus easily top 1,000 percent. Earlier this year, Wong Kan Seng, the minister for home affairs, said he was considering making it a criminal offense to borrow from unlicensed money-lenders. However, social workers and organizations that help victims of loan shark harassment are largely opposed to this approach, insisting that it would criminalize the desperate and the needy, who only borrow from Ah Longs because they have no other sources of credit, and drive the problem further underground. "Most of the people who turn to loan sharks are from low-income families and they usually borrow small amounts like S$200 or S$300," explains Ravi Philemon, a voluntary social worker and the executive director of a charity for the mentally-disabled. "You shouldn't criminalize people who have no choice but to turn to the loan sharks to buy food and clothes for their families." Philemon argues that if the law is brought in it will stop victims of loan shark harassment from going to the police for fear that they themselves will be arrested. "This would reduce the number of people reporting loan shark harassment to the police but would not solve the basic problem," he adds. Reverend Tan Lye Keng, who runs the One Hope Centre, a Christian organization that helps gambling addicts and loan shark victims, points out that most people only seek outside assistance when the intimidation and fear reaches a tipping point. "Being chased by loan sharks is a very traumatic experience and many people come to us in a hopeless state, feeling they have no way out," he says. "But we try to instill hope and let them see that they can have a future. The proposed legislation to criminalize borrowing from loan sharks may lead to more suicides and more people joining loan sharks gangs as a runner." Philemon believes that the root cause of the problem is a lack of sources of unsecured credit for less well-off Singaporeans. He cites the case of one family that wanted to set up a food stall and had no other alternative than to borrow from a loan shark. When their business faced cash-flow problems, they defaulted on their repayments and the amount they owed spiraled from S$20,000 to S$90,000. They were eventually forced to sell their flat earlier this year and now live in a tent in Sembawang Park, on the northern coast of Singapore. "We need to make loans available to lower-income families and if the banks won't lend at the moment then the government should," he argues. While some Singaporeans borrow from loans sharks to fund new businesses or tide them over in a tough month, many also get into debt because of gambling. Around 90 percent of the harassment victims who seek help from the One Hope Centre are in trouble because of gambling debts. Reverend Tan has found that they key to resolving the problem is not fighting the loan sharks but negotiating with them on behalf of his clients in order agree on a mutually-acceptable repayment plan. "Some are quite understanding and sympathetic because they feel they're running a business, even if it's illegal," he says. "We're not seeking to combat the loan sharks, but to provide hope amidst hopelessness and assistance to deal with gambling and loan-shark problems, enabling individuals and families to resume normal life." The Singapore Police Force declined to comment on the loan shark issue and the proposed new law, claiming that Asia Sentinel was "not an accredited publication in Singapore," although the author is fully-accredited as a foreign correspondent by the government. Source: Asia Sentinel  Read More →

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