Saturday, May 19, 2012

Extracts from Yeoh Lam Keong's Recent Interview

The full interview is found here

Mr.Yeoh Lam Keong's interview by ST's Susan Long was published yesterday. You should read this "long" interview for yourself but if you don't have the time, here are the extracts with some comments from me. His interview together with a what a growing number of prominient members from the establishment have expressed shows a very clear shift away from the thinking and policy approaches laid out by the PAP. - the PAP is clinging on to what will be or already is be the minority view.  Mr. Yeoh was the chief economist at GIC.

"Singapore's social policies are not future-ready" - Mr. Yeoh

I think they are not even suitable for the present. Okay lets go on to see what Mr. Yeoh has to say.

We end up killing the environment and stressing each other out. Perhaps as Lord Robert Skidelski, professor emeritus of political economy at Warwick University said, mass consumption capitalism has outlived its usefulness

Mr. Yeoh walks the talk. This ex-chief economist of GIC stays in HDB flat at Marine Terrace and like me, he uses public transport. He also avoids holiday resorts with air-conditioning.

His social awakening happened five years ago, when he was roped in to help analyse Minstry of Community Development, Youth and Sports data on poverty. As he examined the grim figures, he  realised serious structural problems were creating a growing underbelly of poverty in Singapore

This is growing underclass problem that has spun out from our growing income gap and exacerbated by the lack of social safety nets is probably much bigger now since Mr. Yeoh looked at the data. The income gap has grown and cost of living has escalated while the income of the lowest 20-30% has remained stagnant.

While watching football with his son at a coffeeshop, he chatted with a neighbor from a nearby rental block anf found out the later, after working as a cleaner for 10 years, earned $700 a month

Today on my way to the coffeeshop I saw the cleaner for my estate. She is aged, hunched back and can  only walk slowly. We are all heart broken. It is a constant reminder that something is wrong with the way the PAP govt does things.

Before long father and son had added to to their coterie of coffee shop companions, an odd-job laborer, who had been unemployed for 10 years because of a history of mental illness. The man had not eaten properly......Mr. Yeoh offered to go with him to see the MP. But the refused, fearing social workers "will bother my brother and sister"

Mr. Yeoh feels the safety net is undignified and insufficient. The poor man didn't want to be shamed before family or for govt officials to "bug his family to look after him". Last week a retiree by the name of Paul Tan wrote to the ST Forum to urge the govt to do more for the aged like himself because the number of suicides among the elderly has been increasing. Paul Tan explained that policies such as the Parents Maintenance Act designed to push responsibility of care for the elderly from the govt to children has strained many poor families who find it hard to take up this burden. Mr. Yeoh cited a Lien Foundation report that showed that the top-death related fear of Singaporeans is being a burden to their family.

We have extremely low taxes, such that we can afford to raise them somewhat and still remain very tax competitive

Lets not forget the last 2 GST hikes were accompanied by corporate tax cuts and income tax cuts for those in the highest brackets. At a time when the income gap was growing, the  PAP govt was shifting the tax burden from the rich to the poor.  The PAP govt also eliminated inheritance tax - I have not  heard a single person rich or poor publicly asking for this tax to be eliminated yet the PAP govt did it when nobody else was pushing for this. The question is not whether we are able to raise taxes but whether the PAP is willing to raise  taxes to bring about greater social equity - this goes too much against the ideological grain of the PAP.

.....Minister Gan Kim Yong to double health-care expediture from $4B to $8B in 2017, which will raise it from 1.5% to 2.5% of GDP. However, he points out that Taiwan was already spending 3.5% to 4% of GDP on health care in 2001.....Gan to his credit has assured Singaporeans that no Singaporean will be denied medical care if he or she needs it. "But rather than say it, why not design policy for someone to afford it, rather than have him deplete his own savings and his family's Medisave account first? The most important reform needed is still missing is that we still do not have universal financial access to medical care for all citizens, which is politically unacceptable in most democratic developed countries"

Taiwan has a universal heath-care system that delivers care to every single citizen so that nobody needs to worry about medical bills and can focus on recovery when they get sick. Singaporeans shoulders the highest healthcare burden as a % of total expenditure vs the govt compared with all developed countries.  This system amplify the effects of the income gap because this burden becomes disproportinately heavy for those in the lower middle income and below. The fear of high medical cost have spread to the middle income group as cost has risen sharply in recent years. Singaporeans have to shoulder the medical cost of their children, siblings and parents because a large number of Singaporeans are underinsured due to low wages or uninsured due to pre-existing conditions or too expensive to insure due to age.

He thinks that HDB needs to abandon its "market fundamentalist" pricing formula and revert to its original mission of meeting "social needs".

Mr. Mah under intense pressure in 2011 let the cat out of the bag. The high prices help to fill the govt coffers at the GIC and unlinking the HDB pricing from the market will be like "raiding our reserves"[Link]. Mr. Yeoh suggests the same thing as the WP - link HDB flats to a multiple of median income.

He worries that the if the govt continues with piecemeal tweaks but do not restructure sufficiently to meet the future.

Even before we talk about the future, the govt is falling way behind the current needs and apsirations of ordinary citizens for quality healthcare, transport, housing and retirement. The problems with our public transport became apparent and well known because many Singaporeans take the public transport every day. The porblems with healthcare are less apparent because a small %  get seriously ill every year and have to go through the system...but over time people will realise there is something not right here. Retirement and housing have become linked as CPF funds are drained for the purchase of expensive homes causing a large number of Singaporeans not to have sufficient money for retirement unless they monetize their homes - basically you work your whole life to pay for your home, give it back when you die ....and where did all the wealth you created go? ....Straight into the GIC's coffers. Now here's an ex-GIC economist with a conscience to tell you things don't have to be the way they are today and there are more equitable models that will still work for Singapore. The problem is we have to find people willing to lead this change and we see none of them in the PAP.

63 comments:

Anonymous said...

There are plenty of ordinary Singaporeans with conscienc, compassiona n empathy. Mr Yeoh is one of them. The problem is those around Lee Kuan Yew behave like robots.
The many problems in Singapore are clear and many can easily see it. But the top is not ready to change course or unable to do so for their own unique situations.
So the solution to Singapore problems is to remove the top. Send the pap into the dustbin of history to save Singapore and Singaporeans.

Anonymous said...

It's very sad to see Singapore turns out the way it is now. Used to be a great country and society.

Anonymous said...

"The problem is we have to find people willing to lead this change and we see none of them in the PAP."
Lucky Tan

So the PAP MPs remain the best available to vote for, right?

Because Yeoh Lam Keong was not available during GE 2011 what. Lucky Tan also not available what.

Ex senior civil servant Tan Jee Say was available in GE 2011 for SDP but 60% thought he was not as good as PAP. And a whopping 75% thought he was not good enough to be President.

So like that how?

How to win over the 60% and the 75%?

Anonymous said...

So in order to solve the root problem, more good people need to be available to contest GE.

And more importantly, to win over the majority 60%.

If not, even if available also no use, right?

Anonymous said...

Even the best available opposition party now, the Workers Party, is also disunited.

That's why PAP minister Khaw rightly criticised them for their disunity.

Why can't the opposition parties be strong and united like the PAP led by Lee Hsien Loong? Why?

How do you expect majority voters to vote for a party which is not strong and united?

Anonymous said...

"How do you expect majority voters to vote for a party which is not strong and united?"
Anon 19/5/12 13:17

Vote them to win just 1 SMC or GRC good enough lah.

Vote them to be govt, it will be troublesome lah, to quote PAP Minister Khaw.

So PAP will always be govt lah.

Ghost said...

Mr. Yeoh is not saying anything new. A lot of people has been saying the same things over the past few years. And most likely, Mr. Yeoh will be ignored like those people.

Anonymous said...

"While watching football with his son at a coffeeshop, he chatted with a neighbor from a nearby rental block anf found out the later, after working as a cleaner for 10 years, earned $700 a month"

The price of a cup of coffee could increase from 70c to 80c to 90c to $1/- over the years but the wage of a cleaner cannot increase @ this rate.

Apparently in the context of singapore, coffee beans or powder & the ingredients going into making the same cup of coffee of 20 years ago seems to be more productive now than low-wage manual labour.

Anonymous said...

//Mr. Yeoh feels the safety net is undignified and insufficient. The poor man didn't want to be shamed before family or for govt officials to "bug his family to look after him.//

You are different Mr. Yeoh. There are plenty of scholarly dogs, monkeys, donkeys & snakes who don't think the same as you and their scholarly talented skill is deployed to spin all the good reason & logic on how worthless, lazy, choosy, not-hardworking enough if you happen to be low-wage, cannot cope & asking for help.

Anonymous said...

Once we vote in an Opposition government.
There will be many capable Singaporeans who will step forward to help the Opposition government create a better Singapore.

And we can bring in additional and real foreign talent from all over the world to help our new Opposition government formulate and implement better policies.

We don't need those fake talents wearing the hypocritical shade of white.

Anonymous said...

http://www.channelnewsasia.com/stories/singaporelocalnews/view/251939/1/.html

Lye Khuen Way said...

It is significant that Mr Yeoh, not a nobody by any stretch of imagination has spoken up.
Yes, what he said is not new.
However, to have someone of his stature to state them, now that is becoming the new "normal", just like we had Prof Lim (shock therapy ) & Prof Tommy Koh recent observations that must have rattled the other elites among the PAP / pro-PAP well-to-do.

Anonymous said...

As long as most people will not vote for a dog or cat or spoil their vote even if they hate PAP, then it's OK for PAP.

Anonymous said...

Yup. Just vote for the snake

Anonymous said...

The coffers of GIC are filled, but if you read what Chris Balding wrote, you can draw your own conclusion. Likewise, the need to increase the population to sustain the scheme.

Anonymous said...

If yeoh is so convincing, why didn't he work with Christopher Balding to help connect the dots ?

Why yeoh bother to tell us the brutal truth when he is not willing to do anything drastic to change anything ? It is better to die in ignorance than to die in truth, at least that applicable to those 60% voting for PAP. Why is the point of exposing such truth by Yeoh since he is so helpless himself ?

Anonymous said...

"The most important reform needed is still missing is that we still do not have universal financial access to medical care for all citizens, which is politically unacceptable in most democratic developed countries"

PAP had lost their conscience.
PAP are selfish.

PAP are having luxury and comfortable lives
while poor and middle class citizens of Singapore are struggling and hoping that one day they can have decent lives.

Anonymous said...

The disunity in the pap is much greater than those in WP. Those disunity in WP are the result of pap proxy infiltrators. The disunity in the pap has been concealed from Singaporeans. The pap is a very very close mafia organisation.

Anonymous said...

Past record has shown that about 1,000 locals leave Singapore EACH MONTH, and that number excludes their family members. Those who are able to call it 'quit' are educated/ professionals. Something must have gone terribly wrong....What goes up must come down, and same principle applies to an economy of any nation in the World. Signapore will probably get the hardest hit down the road as we have no resources to rely on.

Anonymous said...

30 plus years ago, my mother had to wait 3 months to see a government medical specialist for her life-threatening heart aliment. If She will to wait, she will be dead then.

Presently, I have to wait 3 months for my medical appointment. Fortunately, my case was not life-threatening, so I can wait. If I wants to be fast, within a week, then I have to pay non-subside rate.

30 years past by, no improvement. So do you think this papies government can/will improve the welfare of its citizen? I doubt so.

The Old Man is very clear when he says that the 40-plus years National Pledge is just an inspiration. A Pledge which to-date, the papies refuse to fulfill.

Anonymous said...

On a side note, there's an article on zerohedge about Singapore's exposure to European banks being 70% of GDP. Just thought that Lucky might want to do some analysis on that.

Zerohedge: Why stability stalwart Singapore should be scared

Anonymous said...

If you are not ready to pay 40% income tax like those living in western countries then stop asking for universal healthcare, welfare and minimum wage.

You should be thankful for the 60% otherwise Singapore will go down the way of Greece. Mind you, no one in the region will help us when we get into deep shit. You should know what kind of shit neighbors we have.

DanielXX said...

Scare tactics is always an effective tool used by our garment to justify their policies. It is growing clear that this will not work when you look at how unequal our society has become and how rich our garment is through its current policies. It can well afford to do more for the people but is shackled by dogma and ideology which might be relevant in a developing country but may be sub-optimal in a developed one.

In the past you can use hardline policies to align people because everyone's lives were hard and they could see the logic of such policies. Now, you need a different set of policies to slign people towards your national objective. Believe you me, even if our national objective is economic growth, remaining status quo with our current right-wing policies won't be suitable because it does not align our citizens nowadays. Everyone abhors social injustice and hence some form of help for the really downtrodden/unfortunate is really the best way forward.

Anonymous said...

The below relates to HDB pricing strategy…

Let’s be brave and really ask ourselves why must we be so obsessed with building this so-call “reserve”… MBT mentioned last year that WP’s proposal of pricing the HDB in relation to income level tantamount to RAIDING the reserve.. but why must we the ordinary Singaporeans really WANT to increase the reserve? I mean.. I don’t think many people deny that having reserve is good.. but to be overly obsessed with reserve, and making the people pay for the reserve, and not having line of sight of ever getting to taste the fruit of accumulated reserve is just plain absurd.

Ask yourself.. Have your grandparent who contributed to the reserve ever tasted the fruit? Have your parent? Have you? All 3 generations of Singaporeans have not…. So really what’s the big deal of having this big reserve? Exactly how much are these reserve? How am I as Singaporean who is born, raised, and do NS here, benefit from this ever increasing reserve?

So help this fellow Singaporean of yours.. why should I care about making this “reserve mirage” bigger?

Anonymous said...

Even Tommy Koh now is speaking up against the "established" way of doing things...see
https://sghardtruth.wordpress.com/2012/05/19/what-singapore-can-learn-from-europe-by-tommy-koh/

Anonymous said...

MBT's idea of raiding the reserves is not about us decreasing the reserves, but us not allowing the reserves to grow as fast as they usually do.

Anonymous said...

Its heartening to see more and more of the established and high level ppl joining the chorus of voices in protesting against the govt policies. Ppl whose voices really can't be easily ignored. For eg, Tommy Koh, Lim Chong Yah, Ho Kwon Ping and now this former chief GIC economist.

That just goes to show that there's a growing need to address the growing discontent among the citizenry. It can no longer be easily suppressed. I just hope that LHL is up to the task to bring about the urgent changes needed. Resting on previous laurels can no longer cut it already.

Veritas said...

////
If you are not ready to pay 40% income tax like those living in western countries then stop asking for universal healthcare, welfare and minimum wage.
////

CPF is 40% income tax for the POOR that is design to bankrupt you using inflation.The income above $5000 is not CPF-able, effectively making it a 0% income tax for the rich.

Singaporeans paid the highest tax in the world yet get back nothing in social service. Our rich are all tax-dodger.

Anonymous said...

@ ANON: 19/5/12 23:22 says
"Mind you, no one in the region will help us when we get into deep shit. You should know what kind of shit neighbors we have."

More accurate to say;
"Mind you, no one in the PRO ALIEN PARTY will help us when we get into deep shit. You should know what kind of shit LEADERS we have."

Worst Singaporean said...

Adding on to Veritas, the ridiculously priced HDB and COE adds on to the 40% tax...

Unknown said...

I'm Singapporean with Oz PR (recently migrated) and working in a MNC in OZ. I just met up with some Singaporean colleagues on a job. The first thing that was said to me was that I had to watch the Oz income tax which was basically going to 'kill' me so to speak. Yes the taxes in Oz are high but med is covered, my children are well taken care of.
If this situation in Singapore is to be turned around, not only the government's direction has to change but many Singaporeans have to change their mindset as well.

Lucky Tan said...

Unkown,
do you drive a cwr in aus? If you do compute the diff with the cost of a car in spore. That is at least 100k . Also skilled jobs pay 30% more. Childrens medical taken care of. .

Veritas said...

The only way you can avoid the CPF tax is to play the HDB/property ponzi. PAP tells you that they are going to wipe out CPF, they give you an outlet to buy something-- property ONLY. Whether you spend or not, PAP prosper.

This is the background of property bubble. If you bad luck and ponzi burst just after you got on board the ponzi game, you basically spend your entire life slaving for nothing paying those banks that are owned by either by our elites, or foreign ponzi artist.

Then clowns in PAP will jump up and accuse you not living within your means.

In my opinion, CPF should be allowed to save in 100% physical gold. By watch out what you want, the moment you do this, you are attacking USA as all fiat in the world is somehow or another back up by FX, mainly the US dollar.

USA will find ways to take your economy down.

Anonymous said...

The Pro Alien Party wants to impoverish all Singaporeans.

So that we will always have to go to the Pro Alien MP.
And beg them for assistance.
And in exchange, they expect Sinkies to vote for them.
And do their grassroots work.

That is why Singapore has no social safety net.
They want you to depend on the Pro Alien Party as your safety net.

Support WP in Hougang.
Or else we will end up begging for free porridge and free hearing aids in Singapore.

Anonymous said...

Don't you just love this guy?

Keep up the good work, boss! You're an inspiration to many. :)

Anonymous said...

The problem is Lee Kuan Yew, who is a fanatical believer in social darwinism.

He thinks that the way to eliminate the existence of a destitute underclass is not to help them get out of poverty but to further impoverish them and to make their lives even more difficult so that they would all die off sooner.

Lee Kuan Yew would douse his dick in lighter fluid and strike a match to it before he would help the poor.

Anonymous said...

Property is a good hedge against inflation. Since 90%, (which is uniquely sg and therefore no comparison) own their homes, we have vested interest in keeping the property market stable. Fortunate, they have kept properties at an affordable price range for even first time home owners and should be able to keep future prices at a competitive formulaic.

Anonymous said...

You live around a tent in the desert, you die. Doesn't matter who you worship as heroes, you still die.

Anonymous said...

The high cost of healthcare, problems with our transport system , the high cost of housing and having insufficient in the CPF for retirement which are largely depleted to fund our high-cost HDB flats are so obvious to ordinary Singaporeans. PAP believes voters should vote for them for their deserved million=dollar talent of being able to achieve for average Singaporeans a life where they must work their whole life to pay for their home, give it back to the PAP when they die so that all the wealth are again returned to GIC or TH. The 60% voters in 2011 actually supported what PAP is doing to the citizens and want even greater influx of foreigners, higher cost of healthcare, HDB flats, transport cost, higher Ministerial pay, mandatory and higher amount allocated for CPF life and later withdrawal age for CPF life

Anonymous said...

I sell my million dollar HDB...buy a cheap studio...retire much much money...sooo happy

Anonymous said...

Who is this yeoh guy, and his wife.

Can clarify and check his family roots first.

Unknown said...

Hi Lucky, yes i own 2 cars in Oz. I sold off my 5 yr old Nissan Latio last year and bought an Odyssee (8 yr) & Getz (9 yr) with the money I got.

Overall, I'm a bit more frugal than I was in Singapore but i guess i have some financial goals to acheive. But more importantly, my children are not stressed out, I do not have that weight of getting replaced by a FT who is cheaper than me or having my savings wiped out by a medical situation.

unknown
20/5/12 10:08

Anonymous said...

Politicians are no saints. They are not there to help the poor, old, sick and weak. They are there primarily to help themselves with the people monies. The problem is not with PAP, the problem is this demoncratic system.

Anonymous said...

The weekend, weekdays are no paradise too, crowd is horrendous. Can't find seats in food courts how to have cheap meals?

Unless you are paid like our ministers and can afford to avoid crowded places and transport, you better get use to rude people,services,noises,smells,wasted time from queuing etc etc.

Why in the hell do we need politicians anyway?

Anonymous said...

Ah...you got it. Demons inhabited system! Who shall set you free?

Anonymous said...

For every Yeoh, there is a Tar-man.
And a dozen Lucky Tans staying in their comfort zone.

Btw Mr Lucky, Hougang is going to be a close fight.
Seriously, shouldn't u at least pretend to make an effort?

Anonymous said...

60.1% of us says PAP is right. Therefore, PAP is right.

Anonymous said...

I agree unknown 1909.

We're too making plans to move out. In old age, I don't want to have all my medical bills wiping out my hard earned savings because of unsubsidised universal healthcare.

80-20 rule said...

There could be a point whereby more people will come forward to serve the country, like Chen Show Mao. I don't have the solutions to this country, though I would like to see more being done to provide affordable healthcare for citizens, and giving jobs to citizens.

It would be advisable for S'poreans to have a house outside of SG. You never know what will happen to SG, and I don't see how much higher property prices can go in this island. There has to be a breaking or tipping point somewhere...

Anonymous said...

//Why is the point of exposing such truth by Yeoh since he is so helpless himself ?//

So that more people perhaps the other 60% could see (by being educated) through the smoke or mist to change things so that helplessness can turn into something more helpful for most.

Even an election candidate is helpless w/o the blessing of the voters no matter how good he is. If certain truths are not exposed for all to see, what makes you think that you decision would not change with the presence of it (the truths).

Anonymous said...

Singapore won't change. They are all now busy and cunningly planning how to 'fix' Singaporeans. The 60.1% are saying OK to all these unforgiving policies. So what is there to say, really?

An intelligent man would spend his time having discussions with this 60.1% and get them to see the issues. They're in a daze. Someone needs to speak to them, whoever they are.

Only then, things will be better. Keep talking about these issues.

Anonymous said...

//Anonymous said...
You live around a tent in the desert, you die. Doesn't matter who you worship as heroes, you still die.
20/5/12 14:16//

That is why you must learn to fight to get into the tent with your heroes and kick the others out of them and let them enjoy how you feel (about death ?) while you are outside the tent previously.

That is no point adopting a self-defeatist attitude and make things easier for those living inside the tent since they are not too concerned if you live outside the tent.

Anonymous said...

//An intelligent man would spend his time having discussions with this 60.1% and get them to see the issues. They're in a daze. Someone needs to speak to them, whoever they are.//

The 60.1% are intelligent, they will see through the issues themselves if more educational kpkb is done. Sooner or later, most will get affected. This is the order of nature.

Anonymous said...

//Anonymous said...
You should be thankful for the 60% otherwise Singapore will go down the way of Greece.//

Quite similar to the scare tactic that our women need to work as maids in some other countries.

Common, there are so many countries that are not Greece, Spain, Italy or Ireland.

Veritas said...

////
You should be thankful for the 60% otherwise Singapore will go down the way of Greece.
////

Talking about Greece or PIIGS or USA which bankrupt themselves, the question is not able spending. The question is about WHO are the creditors.

Obviously no one can get into debt without a single creditor. If we are able to tax all the surplus of creditor, then there will be no problem of debt. In short, the world are controlled by a few elites, who hoarded all the monies and then lend it to government.

All countries are controlled by the rich. Thats y they get into this crazy austerity trouble.

They should do a argentina or Iceland, default their debt. And they will see economic growth.

Not austerity.

Anonymous said...

Why do our women need to work as maids in other countries?

The Pro Alien Party has created high paying jobs in Singapore for our local women;
like online prostitution and
KTV hostesses

And we have Desmond Choo to serve them with free porridge and hearing aids in their old age.

Anonymous said...

"Gan to his credit has assured Singaporeans that no Singaporean will be denied medical care if he or she needs it". But does anyone realise that the "tan-ku-ku" or "wait long long" trick they used to deter or discourage people.

Yes they said no one will be denied but the reality is that if one is a subsidised patient, each waiting period in between appointments can be stretched to several months like the 9 months wait in the case of dental treatment. And they just simply are not improving things and let the situation become worse.

Anonymous said...

Keep voting Opposition.
And things will improve.

Think bigger.
Start preparing for a regime change.

When loyal Singaporeans will govern Singapore for the benefit of all Singaporeans.
And deaf frogs lose their deposits.

Il Mango said...

Have you seen this? COE at $5,000 in a few months?

http://mangoditreviso.blogspot.com/2012/05/why-stability-stalwart-singapore-should.html

Ng Eng Hou said...

Though of late, you keep hearing this buzz word - inclusive - the reality is when you look at the policies put together, it is not inclusive at all. Inclusive what? Seems to be is only inclusive of the rich only.

As long as this government exists, future of Singapore is very bleak especially for those disadvantage ones!

Anonymous said...

'As long as this government exists, future of Singapore is very bleak especially for those disadvantage ones!'
Ng Eng Hou 21/5/12 14:25

You mean opposition govt will be better?

Are you able to convince the 60%?

Anonymous said...

http://www.youtube.com/watch?v=AFFv7hT1Pzc&feature=relmfu

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