Thursday, December 02, 2010

Cost of Living Comparison...

I've been travelling the past week to various places in Malaysia. If you're a price conscious person like me, you'll enjoy travelling in Malaysia because things are cheap...really cheap.

Singapore has a median household income more than 3 times than of Malaysia[Link]. Because Malaysia has a large part of its population living in rural areas involved in farming pulling down the per capita GDP, the median income difference between Singapore and Malaysia for people living in cities is probably smaller. If you take into account the cost of living, the difference in quality of life may not be so big.

Travelling across Malaysia, makes a person realise how much the cost of living has crept up in Singapore over the years. Many years ago, when you go to Malaysia, you find things are slightly cheaper than Singapore.....but now the price difference is really big. Here are some random snapshots to illustrate:
RM$4(S$1.66) for chicken claypot rice. This picture was taken not at some roadside stall but at the air conditioned food court of a mall called Mahkota Parade which is very similar to Parkway Parade in Singapore.

There is a reason why Singaporeans love to eat Aunt Annie's pretzel in Malaysia. The price is less than half of what it costs in Singapore:


Bubble tea?

There is a long list of things you can get for lower prices in Malaysia from your spectacles to shoes to medical care.


When I was in Malacca, I found out that one of my distant Malaysian relative got sick and was staying in a private hospital called Mahkota Medical Centre. It was pure coincidence that my hotel was located across the road from that hospital. I went to visit my relative at the hospital - I won't go into the details of his illness but he is seriously ill and bedridden. I chatted with him and he was quite upset about the cost of medical care at the hospital. Mahkota Medical Centre is owned by a Singapore-based company known as Health Management International (HMI). He was upset because the ward charges has gone up from RM$50 when his father was ward 5 years ago to RM$70 per day. RM$70 gets you something like our B class wards(?), 4 beds per room + air-condition. This Malaysian hospital is one of those where you're allowed to use your Medisave [Link]. When I spoke to the nurse there, she told me an increasing number of Singaporeans are seeking at Mahkota because the cost of medical care in Singapore has spiralled beyond the reach of uinsured and uninsurable Singaporeans. The problem with medical tourism is it strains the country's resources and imports inflation. The cost difference for medical treatment between developed countries like Singapore, US, Germany and Malaysia is huge. If they allow their private hospitals to expand and take foreign patients, they will see the same problem of cost spirals and strained capacity in public hospitals as Singapore. Minister Khaw exported some of our problems by allowing the use of Medisave for Malaysian hospitals as Singapore's public hospital experience bed shortages and long waiting times[Link]. My sick relative was told by his doctor to seek part of his treatment at a Malaysian public hospital where they can treat him for much lower cost and same effectiveness as Mahkota.

I took a taxi from Malacca to my next destination in Malaysia. The friendly taxi driver had many stories to tell. He told me that he has 12 kids and 2 grandchildren - he is 49 years old and got married at 19. His sister is married to a Singapore policeman. He told me that he had a shock when he visited his sister's HDB flat a few years ago - he couldn't believe that a tiny 4-room govt flat can cost S$250k....I didn't dare to tell him what it costs today. He told me that retirees and pensioners from various countries have found their way to Malacca where a semi-detached house costs about RM$330K.

2 decades ago, when you make a general statement that the life in Singapore is better than in Malaysia, most people would believe it and agree with you. Today the difference in the quality of life is not so clear. There are still many things that Singapore does better than Malaysia. We have low crime rates (hmm...gangs?), an outstanding education system and outstanding opportunities for a small number highly talented individuals. You can make millions of you climb all the way up to be a minister or CEO of a GLC. However, most Singaporeans are not highly talented - ordinary Singaporeans have ordinary talents....and by the law of nature about half our population have below average talent & IQ. The rising cost of living especially the cost of public housing means that the struggle for ordinary Singapore to stay afloat becomes tougher with each passing year. For the elderly and low income Singaporeans, the pain of poverty becomes harder to bear as the cost of living spirals up. Many ordinary Singaporeans are beginning to ask...what is the key selling point of our system? One that makes them struggle their whole life without a good retirement in Singapore to look forward to.

86 comments:

Anonymous said...

There is one thing to consider, though, and that's the fact that the Malaysia government subsidizes the cost of a lot of basics - like fuel, electricity, sugar. These are not sold at market prices and the government runs a deficit from these subsidies.

Anonymous said...

In 1992/1992, The price of a semi-detached house in Johore (about 10KM from the causeway) only sold for about RM 75,000.
Now foreigners can only buy such houses. But it should still costs below RM 200,000 now to the locals in Mal.
In spore, it should mow be worth more than S$1.5 million (more than RM 3,000,000 if converted to S$).

Anonymous said...

""Now foreigners can only buy such houses. But it should still costs below RM 200,000 now to the locals in Mal.""

Now foreigners are not allowed to buy houses below RM 250,000.

Lucky Tan said...

Anon 10:01,

Deficit funded by black gold from the ground pumped out by Petronas? I'm against subsidies because it is not targetted - subsidies for petrol benefits the Mercedes driving millionaire but not the poor who cannot afford a car. I think they are trying to get rid of the subsidy and direct the money to the poor.

Still giving out some form of subsidy is better than a govt that goes into reserve accumulation mode...an activity that goes on without limit ...based on "bigger reserve the better" philosophy. A more balanced policy is better - otherwise you get a rich govt and poor people...plenty of unhappiness to go around.

Anonymous said...

The govt changed direction once LHL stepped into politics, beginning with finance minister and now PM. This man is a through and through right wing hawk.

Anonymous said...

i would consider to retire in msia and let the others who continue voting olde papa. Let them continue cramming this island with more FTs until it sinks

Leaving

http://vonhayek.blogspot.com/ said...

Re Annon 2/12/10 10:01
What is wrong when government subsidising basic necessities especially food when GLCs like Sime Darby is the major producer?

I do think anybody could have over consume food, unless they have 2 stomach.

Even EU subsidizes their farmers. These countries help their own honest people.

Singapore practice subsidy as our politician is too eagar to lick the ass of the rich.

Remember when POSB was ask merge with DBS and Keppel was ask to merge with Tat Lee in questionable circumstances.

Our 1997 property crash would have wipe out all banks working on fractional reserve, which was then bail out in handsome profit when LHL open flood gate to FT.

Similarly our CPF are use to bail out useless sovereign fund run by LKY, Tony Tan and Ho Ching.

The "subsidizing rich" trickle down and thats why our cost or living is high.

We are paying into the pocket of rich.

Anonymous said...

I am seriously considering retiring in Malaysia.

Anonymous said...

Did amyone hear what the old man said during his speech. He kept reminding Singaporeans not to sell their HDSB flats and opt for rentals. He declared Singaporeans must be stupid to do that. The reality is that many people who reach retirement age realise that that they do not have enough money and decide to sell their HDB flats. Soon they realise that the rental rates here are too high and many, especially the Malys move to Malaysia. The government however will not disclose this figures. I do understand there are many who are taking Malaysian PR & Citizenship

Anonymous said...

I am going to Malaysia at 55 under the golden hair scheme

Anonymous said...

just to point out a factual mistake:
mahkota is owned by hmi international,not parkway

Lucky Tan said...

anon 13:03,

Thanks. Corrected it.

Anonymous said...

When you want to compare cost of living, you should also consider the wages or salaries in Malaysia. As a Singaporean in Malaysia, you would be better off. But generally speaking as a Malaysian working in Malaysia, I do not think he is much better off than Singaporean.

Otherwise, you wouldn't find so many Malaysian working here but some of them, like you, are earning Singapore wages and go back to their home and spent their weekends.

Having said that, I do agree that cost of living has gone up in Singapore and wages lag behind inflation in recent years.

furrybrowndog said...

The people who are laughing all the way to the bank are foreigners/PRs who work and earn their wages in SGD but get to retire and cash out their HDB flats when it's time for them to go back to their home countries, without any liabilities at all.

Anonymous said...

""Soon they realise that the rental rates here are too high and many, especially the Malys move to Malaysia. The government however will not disclose this figures.""

So the number of malays in spore are deceasing??
Will there be too many Pinoy, India,& westerners in future? Will it badly affected the ratio??

Anonymous said...

i think msian chinese are declining but it is mitigated with incresed in pinoy, indians, vietnamese

DanielXX said...

if you look at KLCC, the prime ppties there cost about 1/4 of their equivalent in Singapore's Orchard Road. The discrepancy in pay for both cities' people is probably 2X. That means KL cost of living is half as expensive as Singapore at least. Retirees should consider going there since there's going to be a high-speed rail plus currently there're budget airlines so they can always come back to Singapore easily to visit their friends once in a while.

Anonymous said...

In Malaysia, it cost RM0.50 to visit Government Doctor for those staying in the rural and RM1.00 in the city. It cost approx. RM500 or less for a cataract operation.

In Singapore, it cost S$9 to seek consultation at the Polyclinic. It cost at least $2,000 for a cataract operation on one eye. After subsidy, if eligible, it still cost about $900.

Above are some comparison.

Anonymous said...

Where houses and cars are concerned, Malaysians are better off than Singaporeans in terms of cost and standard of living.

For instance, RM350,000 can get a semi-D in Malacca but S$350,000 may not even get a 4 rm HDB flat now in Singapore.

So a Malaysian executive earning RM5K per month is better off than a Singapore executive earning S$5K per month in terms of property price and cars.

Other things maybe not, even for food. RM5 claypot rice may seem cheap to Singaporean but their salary is in RM. In Singapore do you consider S$5 claypot rice to be cheap?

But overall, I think despite whatever cost advantages in Malaysia, many Singaporeans still prefer to live here. Otherwise where got SIngaporeans left, right or not?

Anonymous said...

Malaysia can afford the deficits it wants because they are running trade surpluses..something the European pigs dun have

Anonymous said...

i hope i am SPR malaysian working here...they have the best of both worlds...this is really not fair. they are really the first class citizens here. foreigners are second class and singaporeans are third class.

Anonymous said...

The subsidy for oil in Msia now covers RON95 oil while RON97 is based on real market price.Since expensive cars cannot run very well on RON95, the rich will be forced to buy unsubsidized oil.

KL property is currently experiencing bubble but no sane KLite wants to retire.Very typical they sell off their KL condo or terrace houses and settle down is some corner in the rural country and just use motorcycle.The Malaysian are simple people.

Despite having access to cars, KL is fast developing its own MRT and has kicked start its LRT. They are heading in the right direction.They want KL to be better...that is why they spen US$1 billion building the SMART tunnel to combat flash floods. Their leaders may somehow be corrupt but they still want Malaysia to be stronger.It is impressive that its heckled for defying the US openly during Mahathir's era but now everyone is heckling the US!!

Anonymous said...

My project engineer sold his 4-room flat in Bedok after staying in it for about 15 years. He bought a house in Taman Indaman (next to Horizon Hills) for RM230K, a Camry for his wife, an old car for general commuting and a bike for coming down to Singapore. His wife retired from teaching and started a tuisen center nearby, then now start another one near 2nd link. He now does a little work supplying unique spare parts for industrial machineries. I would say he is living happily ever after. Wish I can live a simpler life like him.

auntielucia said...

Lucky, at the risk of sounding frivolous, I suggest you go the Sarawak, Kuching. Tsingtao beer at RM2.50 a can is cheaper than even in China... http://singaporegirl.wordpress.com/2010/04/15/mad-about-midin-and-kolo-mee/

auntielucia said...

Oh yes, my KL friend's maid made me three full length dresses and three blouses two months ago -- for all of RM210 that covered both material n workmanship!

Anonymous said...

An average Malaysian makes RM3000 - pays RM7 for lunch for chicken rice and average Singaporean makes SGD3000 - pays SGD2.50 chicken rice.

At the end of the month - who takes home more?

Singaporean - stop complaining. Malaysia is way too costly without much things to add glitter - lousy crime prevention, Bumi quotas, lousy public services, corruptions, lousy courts and judges, lousy police, lazy public servants, 3rd world country education system (yes you have people that got Fs are also trained as TEACHERS because they need to fulfill Bumi quota), lousy politicians, racist bastards holding offices etc.

I am packing my bags to Singapore in the next few years. Its better for me to be a PR there work and lived and suffer like any normal Singaporean, at least I have and my future generation have access to low crime living, minimal corruption, no quotas, efficient public service and good education system. I have no complains.

DanielXX said...

dun be silly lah, if KL ppty is having a bubble, Singapore ppty would be at Jap-1990 type orgasm already.

Anonymous said...

Looking forward to a good retirement???

I think we should stop looking at our own social security or government pension plan.

For decades, Europe's welfare and pension system were the envy of the world. We all want to retire and receive a good pension.

Turns out that the Europen government was spending beyond their means. Look at the current sovereign debt crisis that has hit Europe.

I don't trust property prices in Malaysia. I have seen huge expensive malls side by side with swamps or dilapidated households. Even in so-called prime areas. So, what's to decide whether the land is worth RM100 psf for RM10 psf.

http://vonhayek.blogspot.com/ said...

Re Annon 3/12/10 08:13
/////////////////
For decades, Europe's welfare and pension system were the envy of the world. We all want to retire and receive a good pension.

Turns out that the Europen government was spending beyond their means. Look at the current sovereign debt crisis that has hit Europe
/////////////////

Please make sure you get your facts right. The European crisis got little to do with welfare.

In Greece, the main problem is government job is too generously compensated (just like what PAP does in SG).

In Ireland, its due to blow up in property cause by corrupt politician colluding with banks.

Besides, we can fairly assume that much of monies have been lost due to corruption, tax evasion-- and this is especially true with Greece. (same in SG)

Instead of going to root problems, the people got the blame because elite thinks that they are spending too much on welfare....etc

In fact, the whole world is on a system where the elite continously screwed up, and the poor bail the rich out. At the same time, the poor gets the blame.

Anonymous said...

Malaysia is only a good place for retirement for cashed up Singaporeans. Yes, your dollar will stretch further and the pace of life more relaxed. You are only a target of crime if you are ostentatious and behave like some dumb tourist. Do you try to show off you wealth and you'll be left alone. In Singapore, you can flash your fancy car, Rolex, jewelleries and brag about your fantastic home theater system and you will be left alone. The trick is to try and blend in. Those who can do this well will enjoy a quality of life out of reach in Singapore. If you still have school going children then stay in Singapore until the finish school.

Anonymous said...

Very simple, if you have investments in SGD that can generate a passive income of $36k a year, that is S$3k/mth or MYR6k/mth. Can live more than comfortably anywhere in Malaysia.

Anonymous said...

I am of the opinion that the rise in property prices have actually given many Singaporeans the option to cash out and seek a new life in Batam, Johor or even Manila. It all boils down to the choice we make to remain here or perhaps simply just not having enough `balls' to take that plunge.

Anonymous said...

Any Sporean will find Msia a cheap place to live. However, cheap cost come with lousy public service, lousy security, high crime rate, constitutional descrimination policy, lousy & corrupted gov,... Almost everyday, when you open the newspaper (Chinese medium newspaper), endless news on rape case, robbery and ....As a Msian who grown up in such environment, I would rather share the same struggle with Sporean compesate with better security enviroment and peace of mind although living in a tiny pigeon hole HDB.

C H Yak said...

Generally I do agree with Lucky Tan's message, perhaps his photos may not be too convincing in respect of the food prices at the restaurant he patronised.

Actually, if we look at general prices for these countries, I believe it is still much cheaper than in S'pore.

Some may not appreciate that earning $5K in M'sia is much more difficult when compared to earning $2500 here and converting to M'sian Ringgit back there for spending.

I will be writing similar articles in my Blog & to the SGEP.
Do visit Singapore General Election Portal [SGEP] to read many interesting links and articles.
Link : http://www.easyapps.sg/SGEP/Latest.aspx

SG Girl Next Door said...

It's rather difficult to compare country to country. Each has its own pros and cons.

There'd been Malaysians who told me before they do not have sufficient jobs in their country and hence had to come here to find work. (of course we locals now face the same problem). I'd also heard that ladies do not carry handbags when they go out cos' there are many robbery cases. Can you imagine we can't carry handbags out? I'm not even talking about expensive handbags. Such simple life style is being restricted.

What about Malaysians who live in landed properties (not necessary posh areas)often fearing thiefs who carry parangs and guns from robbering their homes? And they do occur very frequently and usually these thiefs/robbers have no qualms in killing.

Yes, I do agree prices have increased tremendously over the years here. We have to manage to spend wisely. Clothings, one can still buy affordable ones here and need not go to neighbouring countries to buy cos you need to add up the travelling, hotel & time costs.

As for medical, I wish they could be provided free like those in UK, France, Canada and many countries.

Kojakbt said...
This comment has been removed by the author.
Kojakbt said...
This comment has been removed by the author.
Kojakbt said...

[Bishan land acquired by HDB for only $0.30 psf!!]

Dec 3, 2010
Land acquisition - for the sake of nation building
By Lim Chin Joo

HOW time flies! Thirty years have passed since I first came into contact with the Kwong Wai Siew Peck San Theng (PST). Celebrating its 140th anniversary this year, the PST invited me for a visit recently.

The rebuilt ancestral temple and new columbarium, located amid tranquil surroundings, were majestic and alive with worshippers. I was impressed by the example of filial piety and respect for the deceased displayed by the clansmen whose forefathers came from the Kwong Fu, Wai Chow Fu and Siew Heng Fu prefectures in China's Guangdong province.

The Singapore Government started compulsory acquisition of private cemeteries from the 1960s to meet the needs of national development. The PST approached me in the early 1970s to discuss how the cemetery could be redeveloped in line with the Government's plans. Architect Tay Kheng Soon came up with several proposals but they came to nought due to many obstacles.

Located between Toa Payoh and the proposed Ang Mo Kio new town, the 131ha cemetery was of strategic importance to the HDB, which was determined to acquire it. The land acquisition gazette notification finally came in the late 1970s.

The clansmen were saddened by the news. The PST directors were clearly helpless and could fight for only their due rights under the law. I was appointed their legal adviser.

The compensation granted under the law is, in theory, based on the market value of the land. However, who has heard of cemeteries having a market value? Regardless of its potential land use, a cemetery can be valued only as a cemetery.

Kojakbt said...

[Cont...]

Chartered surveyor Johnny Loh and I toured the cemetery a few times with the directors to verify the number of graves in, and the kampung houses around, the burial ground. These figures were important in determining the amount of compensation.

As expected, the compensation did not amount to much. It came to less than $5 million for the 131ha of land - or 30 cents per square foot after appeal. The HDB was responsible for the cleanup, including exhuming the graves and cremating the remains.

The clansmen were more concerned about conserving the ancestral temple, which was more than a century old, and handling the cremated remains. These emotional issues sparked heated arguments. It was decided that the PST would try to keep the temple, and request the Government to allot it land around the temple to build a crematorium and columbarium. The clansmen also hoped the authorities would earmark land to rebuild the Kwong Wai Shiu Hospital. Located in Serangoon Road, the hospital provided free medical care to the public. It was near the end of its lease and in need of expansion.

On behalf of the PST, I wrote to the HDB and the permanent secretary of the Ministry of National Development on two occasions. The replies left no room for negotiations. We were told the decision to acquire the cemetery had come from the top.

The directors then decided to appeal to then National Development Minister Teh Cheang Wan. I was entrusted to draft a petition on the PST's history and the contributions the clansmen had made to society. The document addressed to the minister also made a case for the various requests of the PST and was signed by the PST chairman.

The minister soon instructed the HDB to meet the PST officials. After several rounds of talks, the HDB agreed to let the temple remain where it was, and allot surrounding land to restore it and construct a columbarium. Requests for the crematorium and the hospital were rejected.

The kampung houses surrounding the temple were protected under the rent control law. Based on the 'market price' for private evictions, the PST would have to cough up several millions of dollars to compensate the tenants. It therefore had no choice but to follow the original acquisition plan, so HDB could take care of the resettlement and issue a new lease for 99 years to the PST, which also had to bear part of the cleanup cost.

The dust having settled, it was time to deal with the aftermath. After due consideration, the clansmen accepted the acquisition for the sake of nation building. Bishan estate was the result. It was a decision that benefited Singapore.

The writer is a retired lawyer. This article appeared in Lianhe Zaobao on Nov 30. Translated by Ho Cheeng Cheeng.

Anonymous said...

Interesting relevation. What about the land in Mei ling Street? 30 cents psf? dt

Kojakbt said...

They got Bishan land at $0.30 psf. After adding the amenities and building HDB flats, they resell them for what?

It's like they are selling a bottle of coke which cost $0.10 at $1.00 to public. Since market price of coke is $1.30, they tell you they are giving you 23% "subsidy"... LOL!

Anonymous said...

Here is my take about property prices in Singapore and Johor Bahru, where many Singaporeans hope to retire one day.

In Singapore, the govt acquired our land for $0.30 psf, sells it to HDB who in turn develops the land and sell flats to us. Thanks to a middleman called HDB who "loses" money, govt now officially claims that selling public housing is a loss-making investment.

Every time I look at the posh HDB HQ at Toa Payoh, I am reminded of how much money HDB (public face of govt) has lost over the years.

Going over to Malaysia, I find it hard to appraise the value of land in JB. Maybe some of you who are experts can tell me how to do so, even in a city like JB.

Location is everything. Location, location, location. But everywhere is convenient by car in JB. What makes a house cost RM 300,000 in JB? Just because it is shiny and glassy? I realize how people can turn to complete fools when the toys they are looking is shiny or glossy.

Location? Prime district? Please, in JB, I have seen rundown shophouses side by side with skyscrapers. I have also seen huge hotels and department malls springing up right in the middle of private housing estates filled with houses built in the 1970s.

Cost of land in Malaysia? Just when you pay RM100 psf for a "good" plot of land, the government clears away a stretch of forest, builds roads and a new mall at a cost of RM1 psf.

I have also seen rundown kampongs just less than 100 m away from posh private housing estate. You feel safe in such homes? You feel your new "home" is worth the price because of its location, when Ahmad down the road is living in his home that cost less than RM 1 psf?

In short, developement in Malaysia is really haphazard, disorganized. And the rules in Malaysia are more fickle than the average woman.

Hijaz Kamal said...

How you can say the entire country is disorganized..have you been to all the states, East coast let alone Borneo..there is mre to a country than being organized.You seem like many 'fickle' Singaporean and even some black hearted Chinese Malaysian who can;t admit good things in Malaysia when it stares you at the face and use silly comparisons like I see run down houses at JB so the whole country is lime that.

just camce back from Northern Malaysia and I just envy they have the vast paddy fields, efficient highway, quiet kampung houses and even the RnR stops have many interesting things to offer. Along the way they are even buildinga double tracked railway until the Thaim border.Malaysia is chugging along fine peacefully as it has been for the past 50 yeats, why lets some rape cases and robberies ruin this beautiful country's image as a whole?

Malaysia is not 30kmx20km..there are many things that makes it a wonderful place.

Tell me, what's so special between KL and Singapore, same shops, same food..KL possibly have more authentic Asian food..the gaps are closing..seriously..most hard core tourists would only come to Singapore once or twice beside businessmen.Why would people see Singapore 2-3 times besides just passing by for transit?

Please consider.The average KLite can go snorkelling at redang 5 hours away, visit the paddy fields 5 hours, away, camping 4 hours away at Taman Negara. They just get out of the city during weekends and their life seem more wholsesome even for the lower class who can even scrape to buy an old car. Even for the lower class, they have access to credit and mind you, the Malaysia government works hard to provide jobs for its citizens.

Just because they live in run down houses they are not happy? Why do Malaysian even rich ones Balik kampung during festive seasons to live in wooded houses on stilts with outdoor toilet?. Must we all live in condos or terrace houses to be happy? Obviously SIngaporean have lost the ability to enjoy simple lives.The Malaysians are simple, most can live with basic stuff and have a good life and can fall back to more rudimentary lifestyle when things get hard.

To be less developed is not a weakness.

Anonymous said...

"...Balik kampung during festive seasons to live in wooded houses on stilts with outdoor toilet?..."
Anon 4/12/10 06:51

Alamak, a few days OK but for long term tak boleh tahan lah. I rather live in one room flat here!

Kojakbt said...

Hi All,

As revealed, an old retired lawyer acting for the Chinese temple Kwong Wai Siew Peck San Theng which used to own 131ha of land in Bishan (including the cemetery) disclosed that the whole plot of land was forcibly acquired by HDB for $0.30 psf.

The temple people were willing to sacrifice their land for the good of the nation (actually, they've got no choice lah. Fighting all the way to our high court will still make them lose anyway). The question is, has their sacrifice resulted in large savings for the people who bought Bishan flats in the 90s?

Note that $0.30 is the price paid by Govt for cemetery land. After conversion into residential land, the price would have increased tremendously by a stroke of the pen. In the HDB pricing in Bishan, did Govt use $0.30 ??? LOL!

I don't think so lah... only after oppo takes over the Govt one day can all these info be revealed lah.

Anonymous said...

The "Cheapest HDB Flat" (resale flat) in singpore is about S$250,000.
Just imagine an interest of 6% if u borrow from the bank, the interest alone is about S$15,000 per year or S$1,250 per month.

Do u know many old PMETs (40s & above, with diploma, etc.) who hv lost their jobs could not earn even S$800 per month doing freelance or parttime jobs.
How are they going to pay for even just the interest if not bec they hv paid-up their HDB flats long ago??
Some young people don't undersatand this:: u are not going to work "forever"!! U may not hv a job in 5, 10, 20 yrs time. If u lose yr job, u may not be able to find one again. And nobody is going to guarantee u even a very low paying job (e.g. $300 per mth). There may be no or little help for u.
Some parents don't understand this. They thot their children can afford it. As a parent, u better understand this, and advise yr children to be prudent. Otherwise yr grand children may suffer. Yr childeren may suffer, and in turn, u may also suffer.

Anonymous said...

To Anon 12.25 ......peace of mind in a tiny pigeon hole. Why dont you get off your high horse and speak to those living in such tiny pigeon holes. What about the recent parang slashing and murders in tiny Singapore? What do you classified that as? Grow up please.

comet said...

Think about it. It is fortunate that the PAP did not take over Malaysia in the 1960's.

PAP is always greedy lead by MM Lee. Never mind about his theory where he said everyone should be given the opportunity to do well. In the first place, he don't even understand a Malay because he is not a Malay and he thinks like a Chinese, MONEY-MINDED and want everyone to be like him.

His thoery of meritocracy will never work in Singapore if Singapore is dominated by a Malay population because he cannot understand how this world works.

Malaysia need to progress at her own pace which is comfortable to all races.

Personally, I find that Singapore is progressing too fast so much so that some of those left behind cannot catch up even though help is given.

Do you know that we have many people who is mentally unhealthy and have to see psychiatrists due to stress?

If you have too much money, it is also causing stress, do you know that?

I mentioned about the wages of Singapore and Malaysia previously,I still think that Singaporeans are not much worse off than Malaysian when it comes to cost of living PROVIDED you have a job and you are contented with what you have in life.

If you cannot afford to have a car, then scrap it. If you cannot afford to live in condonmium, then drop the idea. But the problem, sometimes this government is pushing is to live up to THEIR EXPECTATIONS AND THEIR DREAMS of a first world country.

Sometimes I ask myself, is this YOUR VISION or MY VISION of a country where I also have a say in how things should be run?

One good example is the GOD DAMN CASINO where you said it benefit Singaporeans. Or the Youth Olympic Games? Or the F1 race?

Perhaps it is the key Performance indicators of the ministers to have all these events in their annual apprasials but as far as I am concern, it is not
I am concern, it is not important. Talk about like-minded people!

Anonymous said...

Lim Chin Joo is the younger brother of Lim Chin Siong,he sold himself to LKY and worked his whole life for PAP.

A better life for him compared to his brother.


I hope that he sees it fit to expose what he knows about in Land office. Lim's leaks!

Anonymous said...

250k for a small 99 hdb? thats a joke. i live one hour away from paris in a big house with own [rivate swimming pool, only 300k sgd. new cars are only 20k sgd. no roadtax only need to pay insurance. education are almost free. medical are world class here and cheap. no need to broke an arm and leg to own these basic things. only need to know french.

Anonymous said...

Not forgetting that we also need to compare $ to $ and it consider expensive as their salary is in RM$.... Yes I do agree that our standard of living is rocket high now esp housing. But what can we do as a "normal avg" citizen...:)

Comet said...

The problem is that there are too many directors, presidents and highly talented people in Parliament. How many of these MPs take MRT/bus to work? How many of these PAP eat at hawker centre for their lunch/dinner, except those 'official' meetings arranged by grassroots leaders. How many of these people stay in HDB flat?

When a minister is sick, he will stay in Class A ward. When he needs to travel overseas, he will fly business/1st class but definitely not economy class.

When ministers attend meeting overseas, they will stay in 5 star hotels.

Did they ever ask their children for allowance every month? I bet no. Did they ever gave allowance to their parents? I do not know.

Cheap places like Malaysia seldom attract them for holidays. It only
appeals to common people like us.

They speak the same language and, yes, like-minded people who fly together in a team. Even NMPs are Pro-PAP and not neutral.

They look at figures/statistics and tell you, no, the figures say otherwise, and that is end of story, no more probe. Do you really think everything at the ground level are captured and reflected in computers?

Given a choice, I will choose Singapore because I think Singapore is better than Malaysia in many aspects, especially everyone has a quite a fair chance to succeed here, although I would people with 'connections' have some advantages.

Actually it is not fair to compare because Malaysia is a big country, it is not easy to govern and control, frankly speaking.

Even then, if you take a look at other countries, when there is a major disasters like flood or earthquake,leaders in China or US will visit the site and see the victims. In Singapore, when there is major flood, where is our MPs???

These MPs are too busy with their high level meetings so they leave it to their others to do their jobs.

People say there are many millionairess in Singapore.

I think a better yardstick is to ask, how many people are financially independent. It means you can maintain the SAME STANDARD OF LIVING if you are out of work for a couple of years.

Millionairess or paupers, this will be a measure of true wealth.

Dicussion of cost of living in this context will be more meaningful because everyone has to retire in the future, except of course, like MM Lee who refuse to retire because he is so greedy.

Comet said...

The problem is that there are too many directors, presidents and highly talented people in Parliament. How many of these MPs take MRT/bus to work? How many of these PAP eat at hawker centre for their lunch/dinner, except those 'official' meetings arranged by grassroots leaders. How many of these people stay in HDB flat?

When a minister is sick, he will stay in Class A ward. When he needs to travel overseas, he will fly business/1st class but definitely not economy class.

When ministers attend meeting overseas, they will stay in 5 star hotels.

Did they ever ask their children for allowance every month? I bet no. Did they ever gave allowance to their parents? I do not know.

Cheap places like Malaysia seldom attract them for holidays. It only
appeals to common people like us.

They speak the same language and, yes, like-minded people who fly together in a team. Even NMPs are Pro-PAP and not neutral.

They look at figures/statistics and tell you, no, the figures say otherwise, and that is end of story, no more probe. Do you really think everything at the ground level are captured and reflected in computers?

Given a choice, I will choose Singapore because I think Singapore is better than Malaysia in many aspects, especially everyone has a quite a fair chance to succeed here, although I would people with 'connections' have some advantages.

Actually it is not fair to compare because Malaysia is a big country, it is not easy to govern and control, frankly speaking.

Even then, if you take a look at other countries, when there is a major disasters like flood or earthquake,leaders in China or US will visit the site and see the victims. In Singapore, when there is major flood, where is our MPs???

These MPs are too busy with their high level meetings so they leave it to their others to do their jobs.

People say there are many millionairess in Singapore.

I think a better yardstick is to ask, how many people are financially independent. It means you can maintain the SAME STANDARD OF LIVING if you are out of work for a couple of years.

Millionairess or paupers, this will be a measure of true wealth.

Dicussion of cost of living in this context will be more meaningful because everyone has to retire in the future, except of course, like MM Lee who refuse to retire because he is so greedy.agow

Comet said...

The problem is that there are too many directors, presidents and highly talented people in Parliament. How many of these MPs take MRT/bus to work? How many of these PAP eat at hawker centre for their lunch/dinner, except those 'official' meetings arranged by grassroots leaders. How many of these people stay in HDB flat?

When a minister is sick, he will stay in Class A ward. When he needs to travel overseas, he will fly business/1st class but definitely not economy class.

When ministers attend meeting overseas, they will stay in 5 star hotels.

Did they ever ask their children for allowance every month? I bet no. Did they ever gave allowance to their parents? I do not know.

Cheap places like Malaysia seldom attract them for holidays. It only
appeals to common people like us.

They speak the same language and, yes, like-minded people who fly together in a team. Even NMPs are Pro-PAP and not neutral.

Comet said...

They look at figures/statistics and tell you, no, the figures say otherwise, and that is end of story, no more probe. Do you really think everything at the ground level are captured and reflected in computers?

Given a choice, I will choose Singapore because I think Singapore is better than Malaysia in many aspects, especially everyone has a quite a fair chance to succeed here, although I would people with 'connections' have some advantages.

Actually it is not fair to compare because Malaysia is a big country, it is not easy to govern and control, frankly speaking.

Even then, if you take a look at other countries, when there is a major disasters like flood or earthquake,leaders in China or US will visit the site and see the victims. In Singapore, when there is major flood, where is our MPs???

These MPs are too busy with their high level meetings so they leave it to their others to do their jobs.

People say there are many millionairess in Singapore.

I think a better yardstick is to ask, how many people are financially independent. It means you can maintain the SAME STANDARD OF LIVING if you are out of work for a couple of years.

Millionairess or paupers, this will be a measure of true wealth.

Dicussion of cost of living in this context will be more meaningful because everyone has to retire in the future, except of course, like MM Lee who refuse to retire because he is so greedy.

Comet said...

Instead of millionairess, I am talking about millionaire. Anyway, I guess people will know what I mean.

Anonymous said...

In my view, Lucky's post should set all Singaporeans thinking. About? The quality of life in Singapore and what they want ultimately.

The proverbial one man's meat and another's poison should apply in the evaluation of one's living.

Many Singaporeans, and maybe even for myself, see the city as utopia or a place that is very fit for leaving compared to many places around us. But we should be asking, at what costs? Many readers here have also posted messages indicating the trade off could be an unbearable cost of living even after retirement or even our sanity in the face of stress and other challenges.

We need to look beyond our shores especially for some of us who may find Singapore unacceptable in some areas. If our FTs are willing to pluck themselves from where they are and come to Singapore, then we must also dare to change. But is it because Singapore is so much better that they choose to be here? If so, then 6 billion people will be at our doorstep waiting to enter this paradise though they may be constratined in their efforts to make this place home.

The message is that we ought to look around. Whether it is Malaysia, Australia, New Zealand, US or Timbucktoo, any place should be up for consideration. We are after all, a citizen of this global village.

Coment said...

When the place called home is not up to your expectations, you will normally stay and make it better place.

Otherwise,you treat this place like a five star hotel with all the facilties attached. Once you are not satisfied, you leave this hotel and move to another hotel.

So, what is of your true character?

I admire the oppositions parties because they stay here and fight for their beliefs. For example, during one of the Parliamentary debate, MM Lee asked the late JB Jeyaretnam to give up his passport and leave for another country but JB Jeyaretnam refused to do so.

Even there were many things I don't agree with him, this is one aspect of him which has earned my respect.

And I bet PAP wanted all the 'troublemakers' to leave this country because it gives them peace of mind.

This is NOT THE WAY to treat your opponents. And certainly, this is also NOT THE WAY to behave like a citizen.

There are many citizens working overseas and feel that they have a future overseas. Eventually, they have migrated and settled in these countries. Some of them are married and settled overseas as well.

That is OK with me. The problem is, these Singaporeans act smart and gives all kind of positive and negative comments about Singapore but refuse to come back here and contribute/experience but prefer to stay in the sideline and watch the show.

They think they are very smart and give many examples of overseas experiences but they didn't realised they have not EARNED THE RIGHT to give comments because they have NO STAKE here.

http://vonhayek.blogspot.com/ said...

Re Annon 5/12/10 08:08
/////////////////////////
The problem is, these Singaporeans act smart and gives all kind of positive and negative comments about Singapore but refuse to come back here and contribute/experience but prefer to stay in the sideline and watch the show.

They think they are very smart and give many examples of overseas experiences but they didn't realised they have not EARNED THE RIGHT to give comments because they have NO STAKE here.
/////////////////////////////

So how do you think about Kim Dae Jung, Sun Yat Sen, Charles De Gaulle?

Comet said...

To http://vonhayek.blogspot.com/

I have no interest in Kim Dae Jung, Sun Yat Sen or Charles De Gaulle.

All I know is sometimes the PAP is so stupid that they allowed a certain
group of Singaporeans to outsmart them for their own personal gains. They
do not know they are being 'played' by this group of people.

For example, there are some people who has good relationship with the current
government. Somehow, these people are able to influence the government to adopt
polices tO advance their own personal gains. It has happened in the
appreciation of private properties some years ago.

It is a tragedy for Singaporeans because PAP is supposed to differentiate who
is really acting for the common people from those who make use of the current government
to advance their own personal gains.

I have a strong feeling that the MOE has failed in one very important aspect, that is
the character building of a person.

Once in a while, you can see flash of news about scholars doing all sorts
of stupid things.

In fact, to me, a person who has average academic records is WORTH even more than a
student with outstanding academic records if the latter does not contribute/willing
to sacrifice to serve the country.

This intellectuals are even more dangerous because they is using their own talents and intellects
to advance their personal gains at the EXPENSE of others.

When we see flash of news about top students from Primary, Secondary and JCs, we never asked
ourselves, in 10 or 20 years down the road, what is their contributions
to Singaporeans?

Don't you think you should use your talents and intellects to help others if you can afford the time?

Don't you think you should give something back to society since you have benefitted so much from it?

Yes, I have sidetrack a bit, but the PAP should open their eyes and see
who is the GOOD GUYS and BAD GUYS among their supporters

Anonymous said...

i am currently working in sunway in a malaysian registred company. believe me, if we can vote out the lky regime i will definitely come back to spend my old age in singapore (out of loyalty). otherwise, there are good retirement areas in malaysia, e.g. the quiet and peaceful suburbs of ipoh and the beautiful mountain sides of ipoh.

Comet said...

Some people said they were unhappy with the current Government. Why don't they vote for the Oppositions? Why don't they join the Oppositions parties?

And if they think Opposition parties are no good for them, why don't they join the PAP? Better still, why don't they set up their own party?

And if they don't want to join politics, why don't they vote according to what they beleive?

No, they complain about the PAP, they complain about the Opposition parties as though the WHOLE WORLD owe them a living.

Come on, if you want to take charge of your life, you MUST MAKE SACRIFICES somehow.

And if you hate this place so much, you can always to go for greener pastures but please, don't try and take advantage of the PAP government. The sad thing is, this Government don't open their eyes and evaluate people carefully.

They only know how to play games. And I don't know where they have learnt to play silly games with people.

Anonymous said...

@ Comet,

"All I know is sometimes the PAP is so stupid that they allowed a certain
group of Singaporeans to outsmart them for their own personal gains. They
do not know they are being 'played' by this group of people."

You affirmed, that is, all you know The PAP is so stupid and are being outsmarted by a certain group of Singaporeans. I do not have to elaborate but this is a silly comment.

"Actually it is not fair to compare because Malaysia is a big country, it is not easy to govern and control, frankly speaking."

Meaning Singapore is small and therefore it is easier. United States, Australia and many other countries are many times the size of Malaysia, which makes it even harder. Right? So how is it our so talented Ministers pay themselves wages that are so much higher than the leaders of these countries, if Singapore is easy to govern and control?

"When we see flash of news about top students from Primary, Secondary and JCs, we never asked
ourselves, in 10 or 20 years down the road, what is their contributions
to Singaporeans?

Don't you think you should use your talents and intellects to help others if you can afford the time?

Don't you think you should give something back to society since you have benefitted so much from it?

Yes, I have sidetrack a bit, but the PAP should open their eyes and see
who is the GOOD GUYS and BAD GUYS among their supporters."

Not only have you sidetracked, but you are talking pure nonsense. To give an example, being a top student is not a measure of having "benefited" so much from the system, as every Singaporean goes through the same whether they top their cohort or landed at the bottom. So why do one need to ask what are their contributions to Singapore 10 to 20 years down the road? Are you paying them their salary? How do you know that some of these top students actually landed up as taxi-drivers. after they past 40 years of age and cannot get a decent job? There is no logic in your posts.

Anonymous said...

Hi sorry but if you compare dollar to dollar, you will realise it's better for being a Singaporean and staying in Singapore than being a Malaysian and staying in Malaysia.

Take the occupation of being a teacher for example. A fresh grad teacher is being paid RM1,500 to RM1, 800 in Malaysia. In Singapore, a male fresh grad is paid S$3, 200 to S$3, 500 (2nd upper and above).

Now your Aunt Ann pretzel cost about RM6. It is SGD6 in Singapore. By conversion it's more costly here in SG. But dollar to dollar and comparing the wages, the Singaporean will find it more comfortable than their MY counterparts.

cheers!

Comet said...

Some people never give them a proper id, so how do they expect me
to respond to them?

So many Anonymous names here.

You think all people associate themselves with the PAP is because
they want to help Singaporeans?

These juicy news are from the horses mouth, I did not make up stories.

This shows how ignorant are these people and don't know what is happening here.

Also, you misinterpet my point about top students here.

I have no doubt these students will excel in their future undertakings.

But what about their characters?

Most Singaporeans are impressed by academic qualifications.

Even employers are impressed by them. Everyone is playing the same game.

Most of the top students here think they deserve the best in life.

After all, why should they contrbute more than necessary for others,

why should they do it?

Stop giving me all these bullshits and cock-and-bull stories that all top students
are studying not for themselves but for well-being of Singapore.

In fact, the more talents you have, whether it is nature or nurture, the
MORE YOU OWE SOCIETY BECAUSE YOU ARE GOING TO WASTE THE GOD DAMN TALENT
IN YOU IF YOU ONLY CARE FOR YOURSELVES.


You think education is all about reputation of schools and Universities?

If you are working in MOE; if you are the principal of a school, or Vice Chancellor
of a University, I don;t blame you because you have own KPI and targets to meet, i know what games you are playing.

BUT HONESTLY SPEAKING, HOW MANY TEACHERS CARE MORE ABOUT THE CHARACTERS OF THEIR STUDENTS MORE THAN THE GRADES
OF THEIR STUDENTS?

Even teachers nowadays are so business-like, they don't really care much as long as they can produce more bright
students in their batch of cohorts.

Comet said...

In case you don't know, the PAP are not as smart as they think. There are people who boasted on how they have outsmarted the PAP when it comes to private propertes speculation.

You think I am joking? YOU ARE SO NAVIE!

mryap said...

Have you talk to Malaysians who are living in Malaysia and earning RM?

Anonymous said...

Anon 5/12/10 20:44


We need to look into other consumption items like housing and transportation (cars) but also consider social costs like crime (MY) and stress (SG).

Anonymous said...

anon @5/12/10 20:44

In singapore,
sgd3500 can buy
sgd3500/sgd6 = 583 Aunt Ann pretzel

In malaysia,
1800rm can buy
rm1800/6rm = 300 Aunt Ann pretzel

How many people in singapore are actually earning sgd3200+?
Teachers are civil servants. Their pay was increased quite a lot over the past few years by MOE in an attempt to attract(or shall I say fool) more people into this sector.
Not everyone wants to be a teacher.

You must be earning quite a lot. That's why u are saying that.

Why dun u work here but live in msia? Cos u can buy
3500 x 2(ex@ 2.00rm)/6rm = 1166 Aunt Ann pretzel!!!

Anonymous said...

No matter how cheap or how expensive, the bottom line is u must hv a job.
Bec of productivity increases,the whole world is now short of jobs.
But they go round the world "begging" people to come here to work as an "engineer" while our local graduates still canot hv a full time job?
When many older pmets do not hv a job to go by, some go and invite more FTs who are willing to accept very very low pay to come here to compete with them.
It is very boring & feeling "empty" when u don't hv a proper job to do.
It is very "worrying" when yr income can't match yr expenses.

Comet said...

As a Singaporean, it is so easy to know a Malaysian.

Chances are that your neighbours, colleagues, friends, classmates, relatives, boyfriend/girlfriends, you name it, are Malaysians.

And when you travel to Malaysia, it is so easy to talk to them.

Even some of our MPs are from Malaysia previously.

If a Singaporean never meet a Malaysian in his life, it is very strange.

Anonymous said...

Why I Will Vote for PAP:

1) No civil war in the party.

PAP is so big, yet it has no civil war. If there are any unhappiness within the party, they have the maturity to keep it quiet.

Unlike PKMS, where party squabbles led to fighting with weapons.

Unlike so-called opposition alliances, where opposition parties fight with each other over petty issues. They really behave as though they won the elections, though in reality, most of them have never won anything.

Inner party squabbles. Look at WP, SDP and even SDA. Very small parties, but yet they have no ability to stand united, even while they are small fry. Full of inner party squabbles. Pathetic to the max. Reason for squabbles is not even important.


2) Equally out of touch with the ground.

People like to accuse PAP of being out of touch with reality. How about the opposition? Are they in touch with the reality?

Have they any idea why people do not vote for them, even thoguh so many people hate PAP over all these years?

If we hate PAP, we will vote against them, regardless of how the electory boundaries are drawn. You blame the GRC system? Well, the opposition also failed to win most of the single seat wards. So, it's not the problem with the GRC.

If we think a guy has no quality to be bf, we will never give him a chance. Not even if we have to choose between him or dying in a puddle of our own blood. It's the same with politics. If people hate PAP enough, they will vote against PAP no matter how to boundaries are drawn. They will take all the PAP Budget goodies and still vote agianst them. Some Singaporeans have done so. But most have not. So, it shows that most of those who can vote still support PAP.

Where was opposition party when there was the mini-bond fiasco? In the end, the fella with the most prepared solution was a Mr Tan Kin Lian.
When did the opposition persist in asking more prepared questions about cost of living, HDB flats and mass import of foreign talent?

How many of you seen opposition write a lot about local affairs?

In the end, it is the people like Lucky Tan and the founders of Temasek Review and Online Citizen who did it.

You so sure opposition in touch with the ground??


I seriously hate it when I see the opposition party fight each other with more zeal than they fight against PAP or for Singaporeans. It really shows that they are not much better than PAP in character. They only more unlucky to keep getting whacked during each elections.

The opposition parties should really wake up their idea and get their act together.

Comet said...

There are people here who talk so much about the opposition parties and the PAP.

Let us see the results after elections.

Then you will know what is really happening in Singapore.

And I said "Game Over" for these idiots.

Joseph said...

I consider myself one of those very lucky ones who has the opportunity to live, work and own a business in Bangkok. Life is really good here and if you compare here with Malaysia it is even better here. Singapore is nothing except its passport.

Anonymous said...

Comet says:

"And I said "Game Over" for these idiots."

Nobody even mentioned PAP or the opposition until your first post here. Even then you are the one always talking about PAP and opposition. Scroll up after your first post and check. There is some differences between the Singapore Government and PAP (the Political Party). Yes, the PAP is the political party ruling Singapore, that we all know.

So you are calling yourself an Idiot?

Anonymous said...

I was at the new mall at Serangoon MRT. It's huge, and it is full of shoppers! I have never seen a shopping mall with so many restaurants, and all of them are packed!

Looks like we are going to have more good years! Singapore boleh!

Anonymous said...

Joseph

I cannot agree with you more.

The important thing is for us to be able to consider alternatives outside Singapore and be prepared.

Look at the rich Singaporeans and our politicians, do you really think that they feet firmly in Singapore? Not to say that they will bolt when problems come to our shores but I am damn certain that they have mapped out their emergency route if that has to be activated.

And now, the FTs are doing the same. Perhaps it would be too mercenary to say that they are ripping off Singapore but they are behaving like real economic animals. We would be foolish not to do the same.

Fortunately, we are in the centre of a booming continent - Asia. There are so many opportunities sprouting. Whether it is here, Malaysia, Thailand or Indonesia. Of course things don't go up in a straight line but we should look to exploit the business prospects. With our economic power (if we do cash it in, of course), we could reinvest them in faster growing regions but only if we are keen to consider them.

Let's face it, our Government has turned Singapore into a very nice hotel but you need to pay for it. Is it home? May be for some but a few of us, me included, may not be able to stay here for the long term and certainly not in our twilight years.

Nevertheless, let's make use of what we have. Use Singapore as a base or a resting point. But remember, you need to start planning for alternatives and look around. If the FTs are, you should to!

Anonymous said...

7/12/10 09:31

Tsk, tsk. Typical Singaporean. Worshipping a mall.

Might as well turn shopping into an Olympic or Asian Games sport!

:)

Funds Transfer said...

Lucky Tan et al

Thanks for blogging on this thread and I see it as a topic that is increasingly on the minds of Singaporeans.

Just want to share with everyone in this blog on a thread that has tons of information related to living in Malaysia, particularly in the Nusajaya area which is a hop away from Tuas.

Happy reading.

http://www.sammyboy.com/showthread.php?t=35746&goto=newpost

Funds Transfer said...

Another thread on living in Malaysia but this one is a little negative and comes with some horror stories!

http://forum.channelnewsasia.com/viewtopic.php?p=4052717#4052717

Comet said...

To whoever call himself Anonymous

What is important is who is speaking the truth. When election is over and the result is out, then we will know who is the idiot who is playing the game of deceit about the real situation here.

Fair enough?

Comet said...

Look like the person who call himself Anonymous keep quiet now and does not dare to take my challenge.

If he is speaking the truth and is confident of himself and he knows the situation well in Singapore, he will reply to me since he talked so much about the quality of the Opposition and PAP here.

Comet said...

Well, I give him until tomorrow to reply and accept my challenge.

Otherwise, don't tell me you support the PAP because you disgrace them.

Or like some PAP candidates, when opposition parties challenge them on sensitive topics, they behave like cowards but act like heroes in front the press.

It's your call now.

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Anonymous said...

a middle class malaysian lives in a big house and drive a nice car to work. a middle class sg lives in a small dormitory lookalike flat and use the lousy, crowded and smelly public transport to work. sg complained a lot because their basic needs are never even satisfied even if they have study and work hard for the gov.

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