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LEONG SZE HIAN
Hot Topics April 20, 2021 | Thorn in a small way for a very long time!; July 3, 2020 | I am running for 2020 elections in Singapore; June 12, 2020 | As COVID-19 Ravages The World, China Once Again Eyes Expansion; May 25, 2020 | We are not addressing the main problem. Should labor be this cheap? (By contributing author – Alex Lew) February 15, 2020 | How to identify fraud investments- ELDERSHIELD: $90M CLAIMS SINCE 2002 The answer is 50% to 70%. If the total claim payout is 50% to 70% of the premium, the insurance product is worth buying. The average profit ratio is 50%. Allowing for expense ratio of 20%, the long term claim ratio is only 30%. This is extremely high. Conclusion – the payout for the Eldershield supplement is too low. THORN IN A SMALL WAY FOR A VERY LONG TIME! Leong Sze Hian has served as the president of 4 professional bodies, honorary consul of 2 countries, an alumnus of Harvard University, authored 4 books, quoted over 1500 times in the media , has been a radio talkshow host, a newspaper daily columnist, Wharton Fellow, SEACeM Fellow, columnist for theonlinecitizen and Malaysiakini, executive producer of Ilo Ilo (40 international awards), Hotel SINGAPORE SAMPLE WILL Singapore Sample Will. July 7, 2011. I, (NRIC No. ) of hereby revoke all former Wills and testamentary dispositions made by me and declare this as my last Will. 1. I APPOINT (NRIC No. ) and (NRIC No. ) to be the executors and trustees of this my Will (hereinafter called my CPF: THINGS THAT YOU PROBABLY DON’T KNOW? (PART 1) The answer is yes. Here is an example to illustrate the above. “If your CPF Balance at 55 is more than $85,500 but less than or equal to $166,000: Date you reach 55 1 Jan 2016 to 31 Dec 2016. Full Retirement Sum (FRS) $161,000. Your Ordinary (OA) and Special Account (SA) HDB: WHY NOT SO EASY TO DOWNGRADE Leong Sze Hian/ Over the last few weeks, we have encountered more than 10 cases of Singaporeans with HDB housing problems and homelessness. There was a Singaporean divorcee in her mid 40s, who works as a security guard for $1,300 a month, who downgraded to homelessness. RENOUNCE CITIZENSHIP FORM: NOT EASY TO COMPLETE? The form for giving up Singapore citizenship is hard to complete. Someone told me that he had some difficulty completing the form to give up his Singapore citizenship to withdraw his CPF as he has obtained Australian citizenship, because the form required the following information:- “Female applicants are only required to complete Section I and Section II of the form MEDIFUND CRITERIA IS SECRET? MediFund criteria is secret? July 16, 2014. We refer to the article “SingHealth saves time with One Medifund scheme” (Straits Times, Jul 12). It states that “The new system has also saved patients many trips shuttling between health institutions, medical social workersand pharmacies.”.
AFTER DOWNGRADE HDB: NO SILVER HOUSING BONUS? She heard about the Silver Housing Bonus Scheme which gives a Silver Housing Bonus to retirees who downgrade to a smaller HDB, and use some of the sales proceeds to top-up their CPF Retirement Account and then opt-in to the CPF Life Scheme. She sold her 3-room flat for $345,000 and downgraded to a resale 2-room flat for $250,000 (the cheapest HAWKER CENTRES’ UPGRADING CAUSED FOOD INFLATION? As to “Subsidised hawkers of cooked food pay a monthly rent of $192 after standard upgrading, while those at centres that underwent major works pay $320 a month. While she did not state the pre-upgrading rent for subsidised hawkers yesterday, this has been reported as being $160 a month. For other non-subsidised stallholders, rents areLEONG SZE HIAN
Hot Topics April 20, 2021 | Thorn in a small way for a very long time!; July 3, 2020 | I am running for 2020 elections in Singapore; June 12, 2020 | As COVID-19 Ravages The World, China Once Again Eyes Expansion; May 25, 2020 | We are not addressing the main problem. Should labor be this cheap? (By contributing author – Alex Lew) February 15, 2020 | How to identify fraud investments- ELDERSHIELD: $90M CLAIMS SINCE 2002 The answer is 50% to 70%. If the total claim payout is 50% to 70% of the premium, the insurance product is worth buying. The average profit ratio is 50%. Allowing for expense ratio of 20%, the long term claim ratio is only 30%. This is extremely high. Conclusion – the payout for the Eldershield supplement is too low. THORN IN A SMALL WAY FOR A VERY LONG TIME! Leong Sze Hian has served as the president of 4 professional bodies, honorary consul of 2 countries, an alumnus of Harvard University, authored 4 books, quoted over 1500 times in the media , has been a radio talkshow host, a newspaper daily columnist, Wharton Fellow, SEACeM Fellow, columnist for theonlinecitizen and Malaysiakini, executive producer of Ilo Ilo (40 international awards), Hotel SINGAPORE SAMPLE WILL Singapore Sample Will. July 7, 2011. I, (NRIC No. ) of hereby revoke all former Wills and testamentary dispositions made by me and declare this as my last Will. 1. I APPOINT (NRIC No. ) and (NRIC No. ) to be the executors and trustees of this my Will (hereinafter called my CPF: THINGS THAT YOU PROBABLY DON’T KNOW? (PART 1) The answer is yes. Here is an example to illustrate the above. “If your CPF Balance at 55 is more than $85,500 but less than or equal to $166,000: Date you reach 55 1 Jan 2016 to 31 Dec 2016. Full Retirement Sum (FRS) $161,000. Your Ordinary (OA) and Special Account (SA) HDB: WHY NOT SO EASY TO DOWNGRADE Leong Sze Hian/ Over the last few weeks, we have encountered more than 10 cases of Singaporeans with HDB housing problems and homelessness. There was a Singaporean divorcee in her mid 40s, who works as a security guard for $1,300 a month, who downgraded to homelessness. RENOUNCE CITIZENSHIP FORM: NOT EASY TO COMPLETE? The form for giving up Singapore citizenship is hard to complete. Someone told me that he had some difficulty completing the form to give up his Singapore citizenship to withdraw his CPF as he has obtained Australian citizenship, because the form required the following information:- “Female applicants are only required to complete Section I and Section II of the form MEDIFUND CRITERIA IS SECRET? MediFund criteria is secret? July 16, 2014. We refer to the article “SingHealth saves time with One Medifund scheme” (Straits Times, Jul 12). It states that “The new system has also saved patients many trips shuttling between health institutions, medical social workersand pharmacies.”.
AFTER DOWNGRADE HDB: NO SILVER HOUSING BONUS? She heard about the Silver Housing Bonus Scheme which gives a Silver Housing Bonus to retirees who downgrade to a smaller HDB, and use some of the sales proceeds to top-up their CPF Retirement Account and then opt-in to the CPF Life Scheme. She sold her 3-room flat for $345,000 and downgraded to a resale 2-room flat for $250,000 (the cheapest HAWKER CENTRES’ UPGRADING CAUSED FOOD INFLATION? As to “Subsidised hawkers of cooked food pay a monthly rent of $192 after standard upgrading, while those at centres that underwent major works pay $320 a month. While she did not state the pre-upgrading rent for subsidised hawkers yesterday, this has been reported as being $160 a month. For other non-subsidised stallholders, rents are ARTICLES – LEONG SZE HIAN Hot Topics April 20, 2021 | Thorn in a small way for a very long time!; July 3, 2020 | I am running for 2020 elections in Singapore; June 12, 2020 | As COVID-19 Ravages The World, China Once Again Eyes Expansion; May 25, 2020 | We are not addressing the main problem. Should labor be this cheap? (By contributing author – Alex Lew) February 15, 2020 | How to identify fraud investments- THORN IN A SMALL WAY FOR A VERY LONG TIME! Leong Sze Hian has served as the president of 4 professional bodies, honorary consul of 2 countries, an alumnus of Harvard University, authored 4 books, quoted over 1500 times in the media , has been a radio talkshow host, a newspaper daily columnist, Wharton Fellow, SEACeM Fellow, columnist for theonlinecitizen and Malaysiakini, executive producer of Ilo Ilo (40 international awards), Hotel AS COVID-19 RAVAGES THE WORLD, CHINA ONCE AGAIN EYES As COVID-19 Ravages The World, China Once Again Eyes Expansion. TOPICS: China COVID-19 South China Sea. June 12, 2020. In the past several months’ tensions have escalated in the South China Sea, as the Chinese Government announced on April 18 that it would assume administrative control over the disputed Paracel and Spratly Islands.This
LEONG SZE HIAN’S 60TH BIRTHDAY Leong Sze Hian has served as the president of 4 professional bodies, honorary consul of 2 countries, an alumnus of Harvard University, authored 4 books, quoted over 1500 times in the media , has been a radio talkshow host, a newspaper daily columnist, Wharton Fellow, SEACeM Fellow, columnist for theonlinecitizen and Malaysiakini, executive producer of Ilo Ilo (40 international awards), Hotel MORE S’POREANS FEEL THEY BENEFIT FROM FOREIGN TALENT Leong Sze Hian has served as the president of 4 professional bodies, honorary consul of 2 countries, an alumnus of Harvard University, authored 4 books, quoted over 1500 times in the media , has been a radio talkshow host, a newspaper daily columnist, Wharton Fellow, SEACeM Fellow, columnist for theonlinecitizen and Malaysiakini, executive producer of Ilo Ilo (40 international awards), Hotel HDB: WHY NOT SO EASY TO DOWNGRADE Leong Sze Hian/ Over the last few weeks, we have encountered more than 10 cases of Singaporeans with HDB housing problems and homelessness. There was a Singaporean divorcee in her mid 40s, who works as a security guard for $1,300 a month, who downgraded to homelessness. REPORT GIC RETURNS IN S$ ALSO SO THAT WE KNOW CPF % RATES Leong Sze Hian has served as the president of 4 professional bodies, honorary consul of 2 countries, an alumnus of Harvard University, authored 4 books, quoted over 1500 times in the media , has been a radio talkshow host, a newspaper daily columnist, Wharton Fellow, SEACeM Fellow, columnist for theonlinecitizen and Malaysiakini, executive producer of Ilo Ilo (40 international awards), Hotel IP INSURERS INCURRING LOSSES: WHAT ABOUT MEDISHIELD LIFE The increasing underwriting losses have triggered off concerns on life premiums. I refer to the article “Six IP insurers stung by underwriting losses as claims surge” (Business Times, Sep 7). It states that “FOR the first time in 12 years since the market’s first as-charged Integrated Shield Plan (IP) was rolled out, the insurers all clocked underwriting losses in 2016, despite hikes MALAYSIAKINI: M’SIANS, BE WARY OF S’PORE CPF AMENDMENTS Malaysians who have pledged their property in Singapore for their short-fall in the CPF Minimum Sum (MS) – currently S$123,000 (RM285,346) – also need to know of another amendment: they may no longer be able to make yearly withdrawals on their CPF contributions after 55, under the old 50, 40 and 30 percent withdrawal rule. MALAYSIAKINI: HOW MANY M’SIANS ARE THERE IN SINGAPORE The population of Singapore-born residents dropped from 81.9 to 77.2 percent from 2000 to 2010, ie from 3.3 to 3.8 million. The non-Singapore-born population rose from 18.1 (592,000) to 22.8 (859,000) percent. What the census does not say is how many of the 386,000 Malaysian-born residents are Singapore citizens and how manyare PRs.
LEONG SZE HIAN
Hot Topics April 20, 2021 | Thorn in a small way for a very long time!; July 3, 2020 | I am running for 2020 elections in Singapore; June 12, 2020 | As COVID-19 Ravages The World, China Once Again Eyes Expansion; May 25, 2020 | We are not addressing the main problem. Should labor be this cheap? (By contributing author – Alex Lew) February 15, 2020 | How to identify fraud investments- ELDERSHIELD: $90M CLAIMS SINCE 2002 The answer is 50% to 70%. If the total claim payout is 50% to 70% of the premium, the insurance product is worth buying. The average profit ratio is 50%. Allowing for expense ratio of 20%, the long term claim ratio is only 30%. This is extremely high. Conclusion – the payout for the Eldershield supplement is too low. THORN IN A SMALL WAY FOR A VERY LONG TIME! Leong Sze Hian has served as the president of 4 professional bodies, honorary consul of 2 countries, an alumnus of Harvard University, authored 4 books, quoted over 1500 times in the media , has been a radio talkshow host, a newspaper daily columnist, Wharton Fellow, SEACeM Fellow, columnist for theonlinecitizen and Malaysiakini, executive producer of Ilo Ilo (40 international awards), Hotel SINGAPORE SAMPLE WILL Singapore Sample Will. July 7, 2011. I, (NRIC No. ) of hereby revoke all former Wills and testamentary dispositions made by me and declare this as my last Will. 1. I APPOINT (NRIC No. ) and (NRIC No. ) to be the executors and trustees of this my Will (hereinafter called my CPF: THINGS THAT YOU PROBABLY DON’T KNOW? (PART 1) The answer is yes. Here is an example to illustrate the above. “If your CPF Balance at 55 is more than $85,500 but less than or equal to $166,000: Date you reach 55 1 Jan 2016 to 31 Dec 2016. Full Retirement Sum (FRS) $161,000. Your Ordinary (OA) and Special Account (SA) HDB: WHY NOT SO EASY TO DOWNGRADE Leong Sze Hian/ Over the last few weeks, we have encountered more than 10 cases of Singaporeans with HDB housing problems and homelessness. There was a Singaporean divorcee in her mid 40s, who works as a security guard for $1,300 a month, who downgraded to homelessness. RENOUNCE CITIZENSHIP FORM: NOT EASY TO COMPLETE? The form for giving up Singapore citizenship is hard to complete. Someone told me that he had some difficulty completing the form to give up his Singapore citizenship to withdraw his CPF as he has obtained Australian citizenship, because the form required the following information:- “Female applicants are only required to complete Section I and Section II of the form MEDIFUND CRITERIA IS SECRET? MediFund criteria is secret? July 16, 2014. We refer to the article “SingHealth saves time with One Medifund scheme” (Straits Times, Jul 12). It states that “The new system has also saved patients many trips shuttling between health institutions, medical social workersand pharmacies.”.
AFTER DOWNGRADE HDB: NO SILVER HOUSING BONUS? She heard about the Silver Housing Bonus Scheme which gives a Silver Housing Bonus to retirees who downgrade to a smaller HDB, and use some of the sales proceeds to top-up their CPF Retirement Account and then opt-in to the CPF Life Scheme. She sold her 3-room flat for $345,000 and downgraded to a resale 2-room flat for $250,000 (the cheapest HAWKER CENTRES’ UPGRADING CAUSED FOOD INFLATION? As to “Subsidised hawkers of cooked food pay a monthly rent of $192 after standard upgrading, while those at centres that underwent major works pay $320 a month. While she did not state the pre-upgrading rent for subsidised hawkers yesterday, this has been reported as being $160 a month. For other non-subsidised stallholders, rents areLEONG SZE HIAN
Hot Topics April 20, 2021 | Thorn in a small way for a very long time!; July 3, 2020 | I am running for 2020 elections in Singapore; June 12, 2020 | As COVID-19 Ravages The World, China Once Again Eyes Expansion; May 25, 2020 | We are not addressing the main problem. Should labor be this cheap? (By contributing author – Alex Lew) February 15, 2020 | How to identify fraud investments- ELDERSHIELD: $90M CLAIMS SINCE 2002 The answer is 50% to 70%. If the total claim payout is 50% to 70% of the premium, the insurance product is worth buying. The average profit ratio is 50%. Allowing for expense ratio of 20%, the long term claim ratio is only 30%. This is extremely high. Conclusion – the payout for the Eldershield supplement is too low. THORN IN A SMALL WAY FOR A VERY LONG TIME! Leong Sze Hian has served as the president of 4 professional bodies, honorary consul of 2 countries, an alumnus of Harvard University, authored 4 books, quoted over 1500 times in the media , has been a radio talkshow host, a newspaper daily columnist, Wharton Fellow, SEACeM Fellow, columnist for theonlinecitizen and Malaysiakini, executive producer of Ilo Ilo (40 international awards), Hotel SINGAPORE SAMPLE WILL Singapore Sample Will. July 7, 2011. I, (NRIC No. ) of hereby revoke all former Wills and testamentary dispositions made by me and declare this as my last Will. 1. I APPOINT (NRIC No. ) and (NRIC No. ) to be the executors and trustees of this my Will (hereinafter called my CPF: THINGS THAT YOU PROBABLY DON’T KNOW? (PART 1) The answer is yes. Here is an example to illustrate the above. “If your CPF Balance at 55 is more than $85,500 but less than or equal to $166,000: Date you reach 55 1 Jan 2016 to 31 Dec 2016. Full Retirement Sum (FRS) $161,000. Your Ordinary (OA) and Special Account (SA) HDB: WHY NOT SO EASY TO DOWNGRADE Leong Sze Hian/ Over the last few weeks, we have encountered more than 10 cases of Singaporeans with HDB housing problems and homelessness. There was a Singaporean divorcee in her mid 40s, who works as a security guard for $1,300 a month, who downgraded to homelessness. RENOUNCE CITIZENSHIP FORM: NOT EASY TO COMPLETE? The form for giving up Singapore citizenship is hard to complete. Someone told me that he had some difficulty completing the form to give up his Singapore citizenship to withdraw his CPF as he has obtained Australian citizenship, because the form required the following information:- “Female applicants are only required to complete Section I and Section II of the form MEDIFUND CRITERIA IS SECRET? MediFund criteria is secret? July 16, 2014. We refer to the article “SingHealth saves time with One Medifund scheme” (Straits Times, Jul 12). It states that “The new system has also saved patients many trips shuttling between health institutions, medical social workersand pharmacies.”.
AFTER DOWNGRADE HDB: NO SILVER HOUSING BONUS? She heard about the Silver Housing Bonus Scheme which gives a Silver Housing Bonus to retirees who downgrade to a smaller HDB, and use some of the sales proceeds to top-up their CPF Retirement Account and then opt-in to the CPF Life Scheme. She sold her 3-room flat for $345,000 and downgraded to a resale 2-room flat for $250,000 (the cheapest HAWKER CENTRES’ UPGRADING CAUSED FOOD INFLATION? As to “Subsidised hawkers of cooked food pay a monthly rent of $192 after standard upgrading, while those at centres that underwent major works pay $320 a month. While she did not state the pre-upgrading rent for subsidised hawkers yesterday, this has been reported as being $160 a month. For other non-subsidised stallholders, rents are ARTICLES – LEONG SZE HIAN Hot Topics April 20, 2021 | Thorn in a small way for a very long time!; July 3, 2020 | I am running for 2020 elections in Singapore; June 12, 2020 | As COVID-19 Ravages The World, China Once Again Eyes Expansion; May 25, 2020 | We are not addressing the main problem. Should labor be this cheap? (By contributing author – Alex Lew) February 15, 2020 | How to identify fraud investments- THORN IN A SMALL WAY FOR A VERY LONG TIME! Leong Sze Hian has served as the president of 4 professional bodies, honorary consul of 2 countries, an alumnus of Harvard University, authored 4 books, quoted over 1500 times in the media , has been a radio talkshow host, a newspaper daily columnist, Wharton Fellow, SEACeM Fellow, columnist for theonlinecitizen and Malaysiakini, executive producer of Ilo Ilo (40 international awards), Hotel AS COVID-19 RAVAGES THE WORLD, CHINA ONCE AGAIN EYES As COVID-19 Ravages The World, China Once Again Eyes Expansion. TOPICS: China COVID-19 South China Sea. June 12, 2020. In the past several months’ tensions have escalated in the South China Sea, as the Chinese Government announced on April 18 that it would assume administrative control over the disputed Paracel and Spratly Islands.This
LEONG SZE HIAN’S 60TH BIRTHDAY Leong Sze Hian has served as the president of 4 professional bodies, honorary consul of 2 countries, an alumnus of Harvard University, authored 4 books, quoted over 1500 times in the media , has been a radio talkshow host, a newspaper daily columnist, Wharton Fellow, SEACeM Fellow, columnist for theonlinecitizen and Malaysiakini, executive producer of Ilo Ilo (40 international awards), Hotel MORE S’POREANS FEEL THEY BENEFIT FROM FOREIGN TALENT Leong Sze Hian has served as the president of 4 professional bodies, honorary consul of 2 countries, an alumnus of Harvard University, authored 4 books, quoted over 1500 times in the media , has been a radio talkshow host, a newspaper daily columnist, Wharton Fellow, SEACeM Fellow, columnist for theonlinecitizen and Malaysiakini, executive producer of Ilo Ilo (40 international awards), Hotel HDB: WHY NOT SO EASY TO DOWNGRADE Leong Sze Hian/ Over the last few weeks, we have encountered more than 10 cases of Singaporeans with HDB housing problems and homelessness. There was a Singaporean divorcee in her mid 40s, who works as a security guard for $1,300 a month, who downgraded to homelessness. REPORT GIC RETURNS IN S$ ALSO SO THAT WE KNOW CPF % RATES Leong Sze Hian has served as the president of 4 professional bodies, honorary consul of 2 countries, an alumnus of Harvard University, authored 4 books, quoted over 1500 times in the media , has been a radio talkshow host, a newspaper daily columnist, Wharton Fellow, SEACeM Fellow, columnist for theonlinecitizen and Malaysiakini, executive producer of Ilo Ilo (40 international awards), Hotel IP INSURERS INCURRING LOSSES: WHAT ABOUT MEDISHIELD LIFE The increasing underwriting losses have triggered off concerns on life premiums. I refer to the article “Six IP insurers stung by underwriting losses as claims surge” (Business Times, Sep 7). It states that “FOR the first time in 12 years since the market’s first as-charged Integrated Shield Plan (IP) was rolled out, the insurers all clocked underwriting losses in 2016, despite hikes MALAYSIAKINI: M’SIANS, BE WARY OF S’PORE CPF AMENDMENTS Malaysians who have pledged their property in Singapore for their short-fall in the CPF Minimum Sum (MS) – currently S$123,000 (RM285,346) – also need to know of another amendment: they may no longer be able to make yearly withdrawals on their CPF contributions after 55, under the old 50, 40 and 30 percent withdrawal rule. MALAYSIAKINI: HOW MANY M’SIANS ARE THERE IN SINGAPORE The population of Singapore-born residents dropped from 81.9 to 77.2 percent from 2000 to 2010, ie from 3.3 to 3.8 million. The non-Singapore-born population rose from 18.1 (592,000) to 22.8 (859,000) percent. What the census does not say is how many of the 386,000 Malaysian-born residents are Singapore citizens and how manyare PRs.
LEONG SZE HIAN
Hot Topics April 20, 2021 | Thorn in a small way for a very long time!; July 3, 2020 | I am running for 2020 elections in Singapore; June 12, 2020 | As COVID-19 Ravages The World, China Once Again Eyes Expansion; May 25, 2020 | We are not addressing the main problem. Should labor be this cheap? (By contributing author – Alex Lew) February 15, 2020 | How to identify fraud investments- THORN IN A SMALL WAY FOR A VERY LONG TIME! Leong Sze Hian has served as the president of 4 professional bodies, honorary consul of 2 countries, an alumnus of Harvard University, authored 4 books, quoted over 1500 times in the media , has been a radio talkshow host, a newspaper daily columnist, Wharton Fellow, SEACeM Fellow, columnist for theonlinecitizen and Malaysiakini, executive producer of Ilo Ilo (40 international awards), Hotel ELDERSHIELD: $90M CLAIMS SINCE 2002 The answer is 50% to 70%. If the total claim payout is 50% to 70% of the premium, the insurance product is worth buying. The average profit ratio is 50%. Allowing for expense ratio of 20%, the long term claim ratio is only 30%. This is extremely high. Conclusion – the payout for the Eldershield supplement is too low. GOVT SPENDS NOTHING ON HEALTHCARE, CPF & HDB? Leong Sze Hian is the Past President of the Society of Financial Service Professionals, an alumnus of Harvard University, Wharton Fellow, SEACeM Fellow and an author of 4 books. He is frequently quoted in the media. He has also been invited to speak more than 100 times in 25 countries on 5 continents. He has served as HonoraryConsul of Jamaica
SINGAPORE SAMPLE WILL Singapore Sample Will. July 7, 2011. I, (NRIC No. ) of hereby revoke all former Wills and testamentary dispositions made by me and declare this as my last Will. 1. I APPOINT (NRIC No. ) and (NRIC No. ) to be the executors and trustees of this my Will (hereinafter called my CPF: THINGS THAT YOU PROBABLY DON’T KNOW? (PART 1) The answer is yes. Here is an example to illustrate the above. “If your CPF Balance at 55 is more than $85,500 but less than or equal to $166,000: Date you reach 55 1 Jan 2016 to 31 Dec 2016. Full Retirement Sum (FRS) $161,000. Your Ordinary (OA) and Special Account (SA) HDB: WHY NOT SO EASY TO DOWNGRADE Leong Sze Hian/ Over the last few weeks, we have encountered more than 10 cases of Singaporeans with HDB housing problems and homelessness. There was a Singaporean divorcee in her mid 40s, who works as a security guard for $1,300 a month, who downgraded to homelessness. MEDIFUND CRITERIA IS SECRET? MediFund criteria is secret? July 16, 2014. We refer to the article “SingHealth saves time with One Medifund scheme” (Straits Times, Jul 12). It states that “The new system has also saved patients many trips shuttling between health institutions, medical social workersand pharmacies.”.
AFTER DOWNGRADE HDB: NO SILVER HOUSING BONUS? She heard about the Silver Housing Bonus Scheme which gives a Silver Housing Bonus to retirees who downgrade to a smaller HDB, and use some of the sales proceeds to top-up their CPF Retirement Account and then opt-in to the CPF Life Scheme. She sold her 3-room flat for $345,000 and downgraded to a resale 2-room flat for $250,000 (the cheapest HAWKER CENTRES’ UPGRADING CAUSED FOOD INFLATION? As to “Subsidised hawkers of cooked food pay a monthly rent of $192 after standard upgrading, while those at centres that underwent major works pay $320 a month. While she did not state the pre-upgrading rent for subsidised hawkers yesterday, this has been reported as being $160 a month. For other non-subsidised stallholders, rents areLEONG SZE HIAN
Hot Topics April 20, 2021 | Thorn in a small way for a very long time!; July 3, 2020 | I am running for 2020 elections in Singapore; June 12, 2020 | As COVID-19 Ravages The World, China Once Again Eyes Expansion; May 25, 2020 | We are not addressing the main problem. Should labor be this cheap? (By contributing author – Alex Lew) February 15, 2020 | How to identify fraud investments- THORN IN A SMALL WAY FOR A VERY LONG TIME! Leong Sze Hian has served as the president of 4 professional bodies, honorary consul of 2 countries, an alumnus of Harvard University, authored 4 books, quoted over 1500 times in the media , has been a radio talkshow host, a newspaper daily columnist, Wharton Fellow, SEACeM Fellow, columnist for theonlinecitizen and Malaysiakini, executive producer of Ilo Ilo (40 international awards), Hotel ELDERSHIELD: $90M CLAIMS SINCE 2002 The answer is 50% to 70%. If the total claim payout is 50% to 70% of the premium, the insurance product is worth buying. The average profit ratio is 50%. Allowing for expense ratio of 20%, the long term claim ratio is only 30%. This is extremely high. Conclusion – the payout for the Eldershield supplement is too low. GOVT SPENDS NOTHING ON HEALTHCARE, CPF & HDB? Leong Sze Hian is the Past President of the Society of Financial Service Professionals, an alumnus of Harvard University, Wharton Fellow, SEACeM Fellow and an author of 4 books. He is frequently quoted in the media. He has also been invited to speak more than 100 times in 25 countries on 5 continents. He has served as HonoraryConsul of Jamaica
SINGAPORE SAMPLE WILL Singapore Sample Will. July 7, 2011. I, (NRIC No. ) of hereby revoke all former Wills and testamentary dispositions made by me and declare this as my last Will. 1. I APPOINT (NRIC No. ) and (NRIC No. ) to be the executors and trustees of this my Will (hereinafter called my CPF: THINGS THAT YOU PROBABLY DON’T KNOW? (PART 1) The answer is yes. Here is an example to illustrate the above. “If your CPF Balance at 55 is more than $85,500 but less than or equal to $166,000: Date you reach 55 1 Jan 2016 to 31 Dec 2016. Full Retirement Sum (FRS) $161,000. Your Ordinary (OA) and Special Account (SA) HDB: WHY NOT SO EASY TO DOWNGRADE Leong Sze Hian/ Over the last few weeks, we have encountered more than 10 cases of Singaporeans with HDB housing problems and homelessness. There was a Singaporean divorcee in her mid 40s, who works as a security guard for $1,300 a month, who downgraded to homelessness. MEDIFUND CRITERIA IS SECRET? MediFund criteria is secret? July 16, 2014. We refer to the article “SingHealth saves time with One Medifund scheme” (Straits Times, Jul 12). It states that “The new system has also saved patients many trips shuttling between health institutions, medical social workersand pharmacies.”.
AFTER DOWNGRADE HDB: NO SILVER HOUSING BONUS? She heard about the Silver Housing Bonus Scheme which gives a Silver Housing Bonus to retirees who downgrade to a smaller HDB, and use some of the sales proceeds to top-up their CPF Retirement Account and then opt-in to the CPF Life Scheme. She sold her 3-room flat for $345,000 and downgraded to a resale 2-room flat for $250,000 (the cheapest HAWKER CENTRES’ UPGRADING CAUSED FOOD INFLATION? As to “Subsidised hawkers of cooked food pay a monthly rent of $192 after standard upgrading, while those at centres that underwent major works pay $320 a month. While she did not state the pre-upgrading rent for subsidised hawkers yesterday, this has been reported as being $160 a month. For other non-subsidised stallholders, rents areLEONG SZE HIAN
Leong Sze Hian Past president of the Society of Financial Service Professionals, an alumnus of Harvard University, authored 4 books, quoted over 1000 times in the media. THORN IN A SMALL WAY FOR A VERY LONG TIME! Leong Sze Hian has served as the president of 4 professional bodies, honorary consul of 2 countries, an alumnus of Harvard University, authored 4 books, quoted over 1500 times in the media , has been a radio talkshow host, a newspaper daily columnist, Wharton Fellow, SEACeM Fellow, columnist for theonlinecitizen and Malaysiakini, executive producer of Ilo Ilo (40 international awards), Hotel AS COVID-19 RAVAGES THE WORLD, CHINA ONCE AGAIN EYES As COVID-19 Ravages The World, China Once Again Eyes Expansion. TOPICS: China COVID-19 South China Sea. June 12, 2020. In the past several months’ tensions have escalated in the South China Sea, as the Chinese Government announced on April 18 that it would assume administrative control over the disputed Paracel and Spratly Islands.This
LEONG SZE HIAN’S 60TH BIRTHDAY Leong Sze Hian has served as the president of 4 professional bodies, honorary consul of 2 countries, an alumnus of Harvard University, authored 4 books, quoted over 1500 times in the media , has been a radio talkshow host, a newspaper daily columnist, Wharton Fellow, SEACeM Fellow, columnist for theonlinecitizen and Malaysiakini, executive producer of Ilo Ilo (40 international awards), Hotel MORE S’POREANS FEEL THEY BENEFIT FROM FOREIGN TALENT Leong Sze Hian has served as the president of 4 professional bodies, honorary consul of 2 countries, an alumnus of Harvard University, authored 4 books, quoted over 1500 times in the media , has been a radio talkshow host, a newspaper daily columnist, Wharton Fellow, SEACeM Fellow, columnist for theonlinecitizen and Malaysiakini, executive producer of Ilo Ilo (40 international awards), Hotel IP INSURERS INCURRING LOSSES: WHAT ABOUT MEDISHIELD LIFE The increasing underwriting losses have triggered off concerns on life premiums. I refer to the article “Six IP insurers stung by underwriting losses as claims surge” (Business Times, Sep 7). It states that “FOR the first time in 12 years since the market’s first as-charged Integrated Shield Plan (IP) was rolled out, the insurers all clocked underwriting losses in 2016, despite hikes CPF RETIREMENT PAYOUT CHANGED FROM 20 TO 30 YEARS, WITHOUT I saw a posting in a Whatsapp chat group for old Rafflesians that the payout period under the CPF Retirement Sum scheme (for those born before 1958, for whom the CPF Life scheme is not mandatory) has been extended from the original 20 years to age 95 (30 years if you start you monthly withdrawal from age 65). This means that the original MALAYSIAKINI: M’SIANS, BE WARY OF S’PORE CPF AMENDMENTS Malaysians who have pledged their property in Singapore for their short-fall in the CPF Minimum Sum (MS) – currently S$123,000 (RM285,346) – also need to know of another amendment: they may no longer be able to make yearly withdrawals on their CPF contributions after 55, under the old 50, 40 and 30 percent withdrawal rule. F&B WORKERS: LOW PAY, LONG HOURS, DECLINING REAL PAY F & B workers’ work hours increasing? According to the labour market report – the average weekly total paid hours worked per employee in “Accomodation and Food Services” has been increasing. It was 41.2, 41.6 and 42.1 hours in 2010, 2011 and 2012 respectively. We believe this does not reflect the mid-day unpaid rest hours that may MALAYSIAKINI: HOW MANY M’SIANS ARE THERE IN SINGAPORE The population of Singapore-born residents dropped from 81.9 to 77.2 percent from 2000 to 2010, ie from 3.3 to 3.8 million. The non-Singapore-born population rose from 18.1 (592,000) to 22.8 (859,000) percent. What the census does not say is how many of the 386,000 Malaysian-born residents are Singapore citizens and how manyare PRs.
LEONG SZE HIAN
Hot Topics April 20, 2021 | Thorn in a small way for a very long time!; July 3, 2020 | I am running for 2020 elections in Singapore; June 12, 2020 | As COVID-19 Ravages The World, China Once Again Eyes Expansion; May 25, 2020 | We are not addressing the main problem. Should labor be this cheap? (By contributing author – Alex Lew) February 15, 2020 | How to identify fraud investments- GOVT SPENDS NOTHING ON HEALTHCARE, CPF & HDB? Leong Sze Hian is the Past President of the Society of Financial Service Professionals, an alumnus of Harvard University, Wharton Fellow, SEACeM Fellow and an author of 4 books. He is frequently quoted in the media. He has also been invited to speak more than 100 times in 25 countries on 5 continents. He has served as HonoraryConsul of Jamaica
ELDERSHIELD: $90M CLAIMS SINCE 2002 The answer is 50% to 70%. If the total claim payout is 50% to 70% of the premium, the insurance product is worth buying. The average profit ratio is 50%. Allowing for expense ratio of 20%, the long term claim ratio is only 30%. This is extremely high. Conclusion – the payout for the Eldershield supplement is too low. SINGAPORE SAMPLE WILL Singapore Sample Will. July 7, 2011. I, (NRIC No. ) of hereby revoke all former Wills and testamentary dispositions made by me and declare this as my last Will. 1. I APPOINT (NRIC No. ) and (NRIC No. ) to be the executors and trustees of this my Will (hereinafter called my CPF: THINGS THAT YOU PROBABLY DON’T KNOW? (PART 1) The answer is yes. Here is an example to illustrate the above. “If your CPF Balance at 55 is more than $85,500 but less than or equal to $166,000: Date you reach 55 1 Jan 2016 to 31 Dec 2016. Full Retirement Sum (FRS) $161,000. Your Ordinary (OA) and Special Account (SA) MEDIFUND CRITERIA IS SECRET? MediFund criteria is secret? July 16, 2014. We refer to the article “SingHealth saves time with One Medifund scheme” (Straits Times, Jul 12). It states that “The new system has also saved patients many trips shuttling between health institutions, medical social workersand pharmacies.”.
RENOUNCE CITIZENSHIP FORM: NOT EASY TO COMPLETE? The form for giving up Singapore citizenship is hard to complete. Someone told me that he had some difficulty completing the form to give up his Singapore citizenship to withdraw his CPF as he has obtained Australian citizenship, because the form required the following information:- “Female applicants are only required to complete Section I and Section II of the form 10,000 FOREIGN SPOUSES OF SINGAPOREANS DENIED STAY IN Leong Sze Hian has served as the president of 4 professional bodies, honorary consul of 2 countries, an alumnus of Harvard University, authored 4 books, quoted over 1500 times in the media , has been a radio talkshow host, a newspaper daily columnist, Wharton Fellow, SEACeM Fellow, columnist for theonlinecitizen and Malaysiakini, executive producer of Ilo Ilo (40 international awards), Hotel AFTER DOWNGRADE HDB: NO SILVER HOUSING BONUS? She heard about the Silver Housing Bonus Scheme which gives a Silver Housing Bonus to retirees who downgrade to a smaller HDB, and use some of the sales proceeds to top-up their CPF Retirement Account and then opt-in to the CPF Life Scheme. She sold her 3-room flat for $345,000 and downgraded to a resale 2-room flat for $250,000 (the cheapest CPF RETIREMENT PAYOUT CHANGED FROM 20 TO 30 YEARS, WITHOUT I saw a posting in a Whatsapp chat group for old Rafflesians that the payout period under the CPF Retirement Sum scheme (for those born before 1958, for whom the CPF Life scheme is not mandatory) has been extended from the original 20 years to age 95 (30 years if you start you monthly withdrawal from age 65). This means that the originalLEONG SZE HIAN
Hot Topics April 20, 2021 | Thorn in a small way for a very long time!; July 3, 2020 | I am running for 2020 elections in Singapore; June 12, 2020 | As COVID-19 Ravages The World, China Once Again Eyes Expansion; May 25, 2020 | We are not addressing the main problem. Should labor be this cheap? (By contributing author – Alex Lew) February 15, 2020 | How to identify fraud investments- GOVT SPENDS NOTHING ON HEALTHCARE, CPF & HDB? Leong Sze Hian is the Past President of the Society of Financial Service Professionals, an alumnus of Harvard University, Wharton Fellow, SEACeM Fellow and an author of 4 books. He is frequently quoted in the media. He has also been invited to speak more than 100 times in 25 countries on 5 continents. He has served as HonoraryConsul of Jamaica
ELDERSHIELD: $90M CLAIMS SINCE 2002 The answer is 50% to 70%. If the total claim payout is 50% to 70% of the premium, the insurance product is worth buying. The average profit ratio is 50%. Allowing for expense ratio of 20%, the long term claim ratio is only 30%. This is extremely high. Conclusion – the payout for the Eldershield supplement is too low. SINGAPORE SAMPLE WILL Singapore Sample Will. July 7, 2011. I, (NRIC No. ) of hereby revoke all former Wills and testamentary dispositions made by me and declare this as my last Will. 1. I APPOINT (NRIC No. ) and (NRIC No. ) to be the executors and trustees of this my Will (hereinafter called my CPF: THINGS THAT YOU PROBABLY DON’T KNOW? (PART 1) The answer is yes. Here is an example to illustrate the above. “If your CPF Balance at 55 is more than $85,500 but less than or equal to $166,000: Date you reach 55 1 Jan 2016 to 31 Dec 2016. Full Retirement Sum (FRS) $161,000. Your Ordinary (OA) and Special Account (SA) MEDIFUND CRITERIA IS SECRET? MediFund criteria is secret? July 16, 2014. We refer to the article “SingHealth saves time with One Medifund scheme” (Straits Times, Jul 12). It states that “The new system has also saved patients many trips shuttling between health institutions, medical social workersand pharmacies.”.
RENOUNCE CITIZENSHIP FORM: NOT EASY TO COMPLETE? The form for giving up Singapore citizenship is hard to complete. Someone told me that he had some difficulty completing the form to give up his Singapore citizenship to withdraw his CPF as he has obtained Australian citizenship, because the form required the following information:- “Female applicants are only required to complete Section I and Section II of the form 10,000 FOREIGN SPOUSES OF SINGAPOREANS DENIED STAY IN Leong Sze Hian has served as the president of 4 professional bodies, honorary consul of 2 countries, an alumnus of Harvard University, authored 4 books, quoted over 1500 times in the media , has been a radio talkshow host, a newspaper daily columnist, Wharton Fellow, SEACeM Fellow, columnist for theonlinecitizen and Malaysiakini, executive producer of Ilo Ilo (40 international awards), Hotel AFTER DOWNGRADE HDB: NO SILVER HOUSING BONUS? She heard about the Silver Housing Bonus Scheme which gives a Silver Housing Bonus to retirees who downgrade to a smaller HDB, and use some of the sales proceeds to top-up their CPF Retirement Account and then opt-in to the CPF Life Scheme. She sold her 3-room flat for $345,000 and downgraded to a resale 2-room flat for $250,000 (the cheapest CPF RETIREMENT PAYOUT CHANGED FROM 20 TO 30 YEARS, WITHOUT I saw a posting in a Whatsapp chat group for old Rafflesians that the payout period under the CPF Retirement Sum scheme (for those born before 1958, for whom the CPF Life scheme is not mandatory) has been extended from the original 20 years to age 95 (30 years if you start you monthly withdrawal from age 65). This means that the originalLEONG SZE HIAN
Leong Sze Hian Past president of the Society of Financial Service Professionals, an alumnus of Harvard University, authored 4 books, quoted over 1000 times in the media. ARTICLES – LEONG SZE HIAN Hot Topics April 20, 2021 | Thorn in a small way for a very long time!; July 3, 2020 | I am running for 2020 elections in Singapore; June 12, 2020 | As COVID-19 Ravages The World, China Once Again Eyes Expansion; May 25, 2020 | We are not addressing the main problem. Should labor be this cheap? (By contributing author – Alex Lew) February 15, 2020 | How to identify fraud investments- AS COVID-19 RAVAGES THE WORLD, CHINA ONCE AGAIN EYES As COVID-19 Ravages The World, China Once Again Eyes Expansion. TOPICS: China COVID-19 South China Sea. June 12, 2020. In the past several months’ tensions have escalated in the South China Sea, as the Chinese Government announced on April 18 that it would assume administrative control over the disputed Paracel and Spratly Islands.This
MIT, UNIVERSITY OF CHICAGO, NYU, JOHN HOPKINS, UNSW Leong Sze Hian has served as the president of 4 professional bodies, honorary consul of 2 countries, an alumnus of Harvard University, authored 4 books, quoted over 1500 times in the media , has been a radio talkshow host, a newspaper daily columnist, Wharton Fellow, SEACeM Fellow, columnist for theonlinecitizen and Malaysiakini, executive producer of Ilo Ilo (40 international awards), Hotel HOW TO IDENTIFY FRAUD INVESTMENTS- LEONG SZE HIAN How to identify fraudulent investments Leong Sze Hian 15 Feb 2020. If playback doesn't begin shortly, try restarting your device. Videos you watch may be added to the TV's watch history and influence TV recommendations. To avoid this, cancel and sign in to YouTube on yourcomputer.
VIDEO: STOP MAKING MONEY ON CPF, HDB AND Leong Sze Hian has served as the president of 4 professional bodies, honorary consul of 2 countries, an alumnus of Harvard University, authored 4 books, quoted over 1500 times in the media , has been a radio talkshow host, a newspaper daily columnist, Wharton Fellow, SEACeM Fellow, columnist for theonlinecitizen and Malaysiakini, executive producer of Ilo Ilo (40 international awards), Hotel CPF RETIREMENT PAYOUT CHANGED FROM 20 TO 30 YEARS, WITHOUT I saw a posting in a Whatsapp chat group for old Rafflesians that the payout period under the CPF Retirement Sum scheme (for those born before 1958, for whom the CPF Life scheme is not mandatory) has been extended from the original 20 years to age 95 (30 years if you start you monthly withdrawal from age 65). This means that the original HDB: WHY NOT SO EASY TO DOWNGRADE Leong Sze Hian/ Over the last few weeks, we have encountered more than 10 cases of Singaporeans with HDB housing problems and homelessness. There was a Singaporean divorcee in her mid 40s, who works as a security guard for $1,300 a month, who downgraded to homelessness. REFUTING THE ‘REFUTE’ OF THE ‘149TH’ INEQUALITY INDEX The report said Singapore’s tax system was the worst in the world at tackling inequality because it “undertaxes wealthy individuals and corporations”. The personal income tax rate for top earners here is 22 per cent, while corporate tax is 17 per cent, both of which are too low, the report argued. Mr Lee responded: “Yes, the income tax HDB LOSES BILLIONS: REALLY? HDB should be transparent! I refer to the article “Why would the government lose money in sale of HDB flats?” (theonlinecitizen, Oct 24). It states that “The Housing Development Board (HDB) reported on Mon (22 Oct) that it had incurred an overall deficit of $1.7 billion in the last FY. In 2013, then National Development Minister Khaw Boon Wan explained that HDB actually has to pay theLEONG SZE HIAN
PAST PRESIDENT OF THE SOCIETY OF FINANCIAL SERVICE PROFESSIONALS, AN ALUMNUS OF HARVARD UNIVERSITY, AUTHORED 4 BOOKS, QUOTED OVER 1000 TIMES IN THE MEDIA....MENU
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* August 10, 2019 | Happy 54th National Day! Have we lost our way? * July 17, 2019 | Video: Stop making money on CPF, HDB andHealthcare!
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February 15, 2020
HOW TO IDENTIFY FRAUD INVESTMENTS- LEONG SZE HIANRead More
HAPPY 54TH NATIONAL DAY! HAVE WE LOST OUR WAY? ------------------------- VIDEO: STOP MAKING MONEY ON CPF, HDB AND HEALTHCARE! ------------------------- HAWKERS’ ISSUES ADDRESSED, EXCEPT 2.5X INCREASE IN COSTS? ------------------------- 2.2 OR 8% HEALTHCARE SPENDING AS % OF GDP? ------------------------- MEDISHIELD FUND $5.9B, CLAIMS TO PREMIUMS RATIO 43%? ------------------------- SELF-EMPLOYED BELOW 45: WORKFARE MAXIMUM $8 CASH MONTHLY? ------------------------- ELITE GIVE BACK TO SOCIETY, BUT GOVT NEVER GIVE BACK? ------------------------- JOBS GROWTH: 561,800 LOCALS, 611,700 FOREIGNERS – 441,508 NEW PRS, 218,916 NEW CITIZENS? -------------------------November 4, 2018
SLF: $2.4B RESERVES? Given the SLF’s mission and objectives – why is there a continuing need to have huge surpluses and reserves? -------------------------1 2 3
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JOBS
November 6, 2018
SELF-EMPLOYED BELOW 45: WORKFARE MAXIMUM $8 CASH MONTHLY? -------------------------November 4, 2018
JOBS GROWTH: 561,800 LOCALS, 611,700 FOREIGNERS – 441,508 NEW PRS, 218,916 NEW CITIZENS? -------------------------October 30, 2018
MIN. WAGE VS PWM: LET THE NOS. TALK? -------------------------October 27, 2018
WHY HIDE THE JOBS’ DATA? -------------------------October 14, 2018
CNA: NOT WORTH THE SCREEN YOU WATCH IT ON? -------------------------HEALTHCARE
July 17, 2019
VIDEO: STOP MAKING MONEY ON CPF, HDB AND HEALTHCARE! -------------------------November 8, 2018
2.2 OR 8% HEALTHCARE SPENDING AS % OF GDP? -------------------------November 8, 2018
MEDISHIELD FUND $5.9B, CLAIMS TO PREMIUMS RATIO 43%? -------------------------October 10, 2018
REFUTING THE ‘REFUTE’ OF THE ‘149TH’ INEQUALITY INDEX? -------------------------October 7, 2018
HOSPITALS’ FOREIGN PATIENTS: ONLY ‘GOOD’ DATA, ‘BAD’ ALLMISSING?
-------------------------CPF
July 17, 2019
VIDEO: STOP MAKING MONEY ON CPF, HDB AND HEALTHCARE! -------------------------October 4, 2018
QUOTED 624 TIMES IN FORUM PAGES? -------------------------October 2, 2018
CPF RETIREMENT PAYOUT CHANGED FROM 20 TO 30 YEARS, WITHOUT TELLINGANYONE?
-------------------------September 29, 2018
SG BONUS: GIVE ‘PEANUTS’, TAKE ‘A POUND OF FLESH’? -------------------------September 28, 2018
WHY HIGHER % ON CPF QUITE MEANINGLESS? ------------------------- Copyright 2020 | MH Newsdesk by MH ThemesDetails
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