Hopefully he gets the message this time.
Any message or article that grabs the attention of the readers must be holistic headline stuff that immediately must highlight the abuses of this government. It must have substance, predicated on good grounds and lead to one and only one conclusion. Every article is the same. This is cannot be a continuous tutorial on actuarial science. The articles no doubt are factual, well researched but the themes and delivery are identical. It is 1 plus 1 is 2 repeated over and over again. The marginal utility must be subzero a long time ago.
Despite accumulating (yes accumulating) academic credentials he has achieved little else relatively speaking. Someone better have a chat with this chap. His phobia to have any form of discussion is well known but something has to give.
Try this new approach. Raise short questions in the press and let the govt hang themselves. The govt has become so immune to this they have practically written him off.
Here is another idea. Read up Mukul Asher's papers and write a comparative analysis of the various form of superannuation schemes found in first world countries using Asher's style. You can then clearly show that CPF and medisave are escrow accounts for the benefit of the govt and why CPF failed comprehensively.
URL="http://theonlinecitizen.com/author/theonlinecitizen/"]theonlinecitizen[/URL] on July 28, 2010 79 Comments
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Leong Sze Hian ?/P>
Several Singaporeans living overseas and in Singapore have contacted The Online Citizen to tell us that they have received letters from the CPF Board asking them to pay their CPF Medisave arrears, incurred many years ago.
For example, Jane (not her real name), has been married to a European citizen, working and living in Europe, since 2003.
She had not received any letters from the CPF Board for several years, until the recent demand letter arrived at her European address. The letter said: 揊ailure to pay Medisave contributions is an offence under the CPF Act and is liable for composition fine and possibly Court action.?/P> She was self-employed and was struggling to pay her full Medisave contributions consistently, as she had to support her bankrupt father, ailing mother and sibling who was studying.
About eight years ago, under threat of being charged in court, she struggled to pay about $500 a month under an installment plan worked out with the CPF Board for about a year, but was unable to continue for the rest of the agreed installment period of about 2 years.
Her outstanding Medisave arrears is now about $12,000.
As she is only earning about 1,000 Euros a month now, she is not able to pay her Medisave arrears.
She is afraid that if she is charged in court, and if a warrant of arrest is issued, as we understand is normally the case for those who don抰 turn up, she fears that she may be arrested if she comes home to visit her family.
She wonders if her only solution to her 揗edisave?predicament is to give up her citizenship.
Or is she condemned to a lifetime exile form her country of birth?
Since she is living in Europe and will not return to Singapore, even if she is able to pay her Medisave arrears, what is the point of asking her to contribute, as she may never be able to use her Medisave which is restricted for use in Singapore and 12 approved hospitals in Malaysia since March this year?
Another example is John, who is a retired civil servant, and receives a pension and free lifetime medical benefits.
He too has been served with letters of demand and threat of court action for Medisave arrears incurred as a self-employed person.
When he told the CPF Board that it was pointless for him to contribute to Medisave even if he could afford to, because he gets free medical treatment, he was told that he could use his Medisave for his wife.
When he told them that his wife was also a civil service pensioner with free medical benefits, he was told that he could use it for his children.
When he told them that he has no children, he was told that it was required by law to contribute to Medisave.
I wonder how many people in Singapore or Singaporeans living overseas, owe Medisave, and have received letters of demand.
Are these letters of demand being sent to Singapore permanent residents (PRs) living in Malaysia, who owe Medisave too?
How many will be served with court action?
Self-employed persons are required to contribute to Medisave if they earn more than $6,000 a year.
If you earn just $500 a month, how do you survive?
If you are struggling to survive, how can you afford to make Medisave contributions?
Any message or article that grabs the attention of the readers must be holistic headline stuff that immediately must highlight the abuses of this government. It must have substance, predicated on good grounds and lead to one and only one conclusion. Every article is the same. This is cannot be a continuous tutorial on actuarial science. The articles no doubt are factual, well researched but the themes and delivery are identical. It is 1 plus 1 is 2 repeated over and over again. The marginal utility must be subzero a long time ago.
Despite accumulating (yes accumulating) academic credentials he has achieved little else relatively speaking. Someone better have a chat with this chap. His phobia to have any form of discussion is well known but something has to give.
Try this new approach. Raise short questions in the press and let the govt hang themselves. The govt has become so immune to this they have practically written him off.
Here is another idea. Read up Mukul Asher's papers and write a comparative analysis of the various form of superannuation schemes found in first world countries using Asher's style. You can then clearly show that CPF and medisave are escrow accounts for the benefit of the govt and why CPF failed comprehensively.
URL="http://theonlinecitizen.com/author/theonlinecitizen/"]theonlinecitizen[/URL] on July 28, 2010 79 Comments
<!--end: postmeta-->
Leong Sze Hian ?/P>
Several Singaporeans living overseas and in Singapore have contacted The Online Citizen to tell us that they have received letters from the CPF Board asking them to pay their CPF Medisave arrears, incurred many years ago.For example, Jane (not her real name), has been married to a European citizen, working and living in Europe, since 2003.
She had not received any letters from the CPF Board for several years, until the recent demand letter arrived at her European address. The letter said: 揊ailure to pay Medisave contributions is an offence under the CPF Act and is liable for composition fine and possibly Court action.?/P> She was self-employed and was struggling to pay her full Medisave contributions consistently, as she had to support her bankrupt father, ailing mother and sibling who was studying.
About eight years ago, under threat of being charged in court, she struggled to pay about $500 a month under an installment plan worked out with the CPF Board for about a year, but was unable to continue for the rest of the agreed installment period of about 2 years.
Her outstanding Medisave arrears is now about $12,000.
As she is only earning about 1,000 Euros a month now, she is not able to pay her Medisave arrears.
She is afraid that if she is charged in court, and if a warrant of arrest is issued, as we understand is normally the case for those who don抰 turn up, she fears that she may be arrested if she comes home to visit her family.
She wonders if her only solution to her 揗edisave?predicament is to give up her citizenship.
Or is she condemned to a lifetime exile form her country of birth?
Since she is living in Europe and will not return to Singapore, even if she is able to pay her Medisave arrears, what is the point of asking her to contribute, as she may never be able to use her Medisave which is restricted for use in Singapore and 12 approved hospitals in Malaysia since March this year?
Another example is John, who is a retired civil servant, and receives a pension and free lifetime medical benefits.
He too has been served with letters of demand and threat of court action for Medisave arrears incurred as a self-employed person.
When he told the CPF Board that it was pointless for him to contribute to Medisave even if he could afford to, because he gets free medical treatment, he was told that he could use his Medisave for his wife.
When he told them that his wife was also a civil service pensioner with free medical benefits, he was told that he could use it for his children.
When he told them that he has no children, he was told that it was required by law to contribute to Medisave.
I wonder how many people in Singapore or Singaporeans living overseas, owe Medisave, and have received letters of demand.
Are these letters of demand being sent to Singapore permanent residents (PRs) living in Malaysia, who owe Medisave too?
How many will be served with court action?
Self-employed persons are required to contribute to Medisave if they earn more than $6,000 a year.
If you earn just $500 a month, how do you survive?
If you are struggling to survive, how can you afford to make Medisave contributions?
