All banks are covered by SDIS for up to S$75k for these kinds of fraud but you must show it was unintentional and not your fault

I am writing this post with a heavy heart. I made the decision that I will not just keep this matter private. I might be helping someone else from having to go through this.

I speak with my mother over the phone a few hundred times daily. What exactly we talk about? I am not sure.

Yesterday, for just 45 mins, we decided to mind our own business.

At this point, if you happen to know my mother, please don’t judge her or make her feel small. My intention of writing this is not to demean her in any manner. This should be a warning to all of us who have parents, no matter how educated they might be, they can be lost in their own space too.

Someone called her on “Viber” claiming to be from DBS Bank and that he was going to check on her account as he noticed that the account was being hacked. Before I proceed, I have to say, my mother was having issues with her iBanking App some time ago and she assumed the guy was going to rectify the matter.

Even at this point, she was not completely clueless, she asked him why was he calling her via “Viber” and not a local number. He told her to just listen to him. Simply put, she fell for his words. She provided him with her 16 digits bank card number and her iBanking pin.

I am shaking as I write this out but I have to get this out into the world. My mother’s entire life saving were wiped out just with ONE SINGLE OTP and she was only left with SGD 99 dollars.

She realised something was wrong when she received an email that the amount of of SGD 17,999.05 was being sent to Sunita. She called me immediately and I could hear the fear in her voice. I have lost my father in 2010. My father’s last call was to my brother but he did not answer it as he was sleeping. From then onwards, I do not screen my calls. Anyone is able to call me at any time of the day and I will answer. Her panic-stricken tone gave me goose-pimples that I left my office immediately and told her to meet me at Westgate.

That asshole was still on the phone and after wiping out SGD 54,999.06 from a widow, he still wanted more.

At that point, I assumed it was just an error so I told my mother to go update her bank book. That was when I realised, she was just left with SGD 99. She broke down and I am not sure how to make things right for her.

As children, parents always made things right for us or at least, in my case, she tried to do things the way she felt was right for me. When she broke down, I was not ready to admit defeat. I really felt as if I were punched in my gut. This is one stubborn woman, who never once asked anyone for help when things were bad after my father passed away.

I am sure, no one in my society knows what we went through. The days were dark, long and scary. She persisted. A decade she lived and now, she is broken…

My father’s death was unexpected so we were not in a good financial state. My mother saved whatever she could. No one in our society helped us. She put my brother through University and no one knows this till now, I went to give tuition the day my father passed away. My father went into the morgue and I went to teach a rich man’s kid mathematics. I will never forget those days and I know how hard my mother worked to save that money.

She basically became a victim of online abuse. She has placed her blind faith into DBS bank and what puzzled me most was, how come DBS bank allowed for the transactions to go through when someone in the back end should have records that this account holder has never made such big transactions.

I am looking for advices or any help on how the remittance transactions can be blocked.

To many of us, the amount is small but my friends, that was my mother’s life savings. It was all taken away from her within 30 minutes.

Is this how modern day robbery looks like? I do my banking transactions online and via mobile apps. So what happens if I lose my phone? Shouldn’t the Bank be protecting our money? Do we need to keep our money in biscuit tins now?

I wish I were a better daughter who could walk up to her and tell her, screw it, I will just give it to you. I feel rotten…..

I have attached the police report below and I am wondering if I should start a “GoFundMe” for my mother. What happened to her is not fair and I just want to do something right for her as she is one hell of a woman, who will not accept help from me as I am a daughter and I need to plan for my future….

And this post can be shared. Everyone needs to know what is going on around us and as consumers, we can be really vulnerable!!

PS: Any one working at DBS bank can share with me if we can ever retrieve the money?

Why should we spend billions on an aircraft using taxpayers monies when tens of thousands in Singapore are suffering. VTO PAP if you do not withdraw

What do we get in return? Any technology transfer? Does it help our aerospace industry? Dammit such a one sided deal spells fishy and a legal corruption to squeeze every single cent out of citizens CPF monies. I object and make sure I will fight all the way to the UN. Today we are capable to DIY everything ourselves. I rather spend the money to improve the avionic and computers and radar systems. Everything is now outdated weapon system and propulsion system etc. I am not interested to start another arms race and I will only help China maintain order at the UN. Contributed by Oogle.

The United States has approved the sales of F35B aircrafts to Singapore and as a citizen, I ask myself if I am particularly excited or thrilled by the news? My answer is why should I be. Let me explain.

The F35B aircraft is without question a state of the art technological marvel and its accompanying price list is of course, out of the world too. RSAF and MINDEF must have done their studies and reasons for choosing the F35B to replace our aging F16 aircrafts scheduled to be phased out from 2030, however, I question if we must spend our taxes in the billions and billions of dollars to buy the best aircrafts that money can buy? I ask shouldn’t the government be more prudent and circumspect when it comes to spending such huge taxpayer’s money? Never forget that every cent that they spend is our collective taxpayer’s money and not some grandfather’s bequest.

I understand that Singapore is the fourth country in the Asia-Pacific region to own the F35 jets after Japan, South Korea and Australia but if we pause for a moment and ponder, our situations in this part of the world is very different from those countries. Japan and South Korea face a very unpredictable and potentially dangerous nuclear North Korea. In the case of Australia, they are not only one of the co-production partners of the F35 lighting jet, they are also a treaty ally of the United States and we are not.

Among all 10 ASEAN countries in our part of the world, Singapore’s air force is by far one of the most advanced and strongest, if not the most advanced and strongest. Do we need to further armed ourselves to the teeth and tempt an arm race in our neighbourhood?

Welcoming American rebalancing to Asia is one thing but aligning ourselves too closely with the US must inadvertently lead us to many of American’s ‘sheet’ around the globe, whether it is in Iraq, Afghanistan or even potentially, Iran and it is our young men and women who will risk their lives and limbs or even pay the ultimate price some day. I further wonder if pap ministers’ children will be among them although the answer is clear.

To very wealthy pap ministars, a billion here and a billion there may not mean a lot but back home, we have hundreds of thousands of citizens who are struggling to get by each day. There are so many people who must catch the first bus or the first train every morning in order not to be late for work, people who work overtime daily just to make ends meet and people who must tighten their belts towards the end of each month before they receive their salary etc.

Imagine how much we can help to alleviate their hardships and struggles in real and meaningful ways and not merely token ways if a fraction of what we spend on their F35B were use to help them and further invest in their children. Think.

I thank you all for reading my post again.

The state of affairs in Singapore without reforms

University Of Life – It’s 2020 and my observation of life after 2020

1. I don’t need to write abt China-US trade war. I don’t think you care so or even understand. But before that very first day of 2020, so many Companies, Shops, Eateries etc close their respective shops. And the numbers of unemployed rise to Mayhem Situation. People need to pay this and that especially Mortgages of houses. Where now to get the money? The number of PHV Drivers have risen and at this moment have reached 400,000 PH Drivers. And 20% of them come from Mid Management and even Directors of all these former Businesses that closed. It’s a sick situation. If you drive to the airport at night, 90% of vehicles towards and coming from Airport are Taxis and PHVs. All scrambling for that piece of cake to make ends meet. And a few days ago, a PHV driver who used to own 5 clothings shop at Far East Plaza tried to commit suicide at an Expressway waiting for a bus or a trailer to maul him. Only to be saved by another kind hearted PHV driver. This is life now in Singapore. It’s real.

2. We All Are Stuck Here In this Very High Cost of Living of Sin City. Tell me honestly, do you really will have enough Savings up to 90yrs of age. The housing situations now especially the mortgages that failed to be paid will continue to plague the people and HDB management. Please be careful about buying a HDB house now. Everybody now in trouble not able to manage the payment. And when money not enough, That’s where all hell break lose. Be careful when getting a new house especially to newly weds or even those who want to upgrade. $300k is not a small sum of money. You will be paying till you get silvered or old.

Thank you for reading.
Walk on and work hard. Work and think smart. Get good advise. And don’t you ever get close to that Loan Sharks that WA you everyday. And don’t you ever visit MBS casinos.


Coconut oil can replenish your brain cells

Somebody shared. I now share. True or not? Judge yourself.

In the United States, an estimated 5.4 million people have been diagnosed with Alzheimer’s disease. This figure is growing rapidly with the ageing population.

One of them was Steve Newport. His wife, Mary Newport, was a doctor. Dr. Mary learned that her husband had severe Alzheimer’s disease.

When the doctor examined her husband at the hospital, he asked Steve to paint a clock. Instead, he drew a few circles and then drew a few figures without any logic. It was not like a clock at all!.

The doctor pulled her aside and said: “Your husband is already on the verge of severe Alzheimer’s disease!”

It turned out that it was a test of whether a person had Alzheimer’s disease. Dr. Mary was very upset at that time, but as a doctor, she would not just give up. She began to study the disease. She found out Alzheimers disease was associated to glucose deficiency to the brain.

Her research says: “The dementia of the elderly is like having diabetes in the head ! Before one has the symptoms of Diabetes or Alzheimer’s disease, the body has already had problems for 10 to 20 years.”

According to Dr. Mary’s study, Alzheimer’s disease is very similar to Type 1 or Type 2 diabetes. The cause is also insulin imbalance.

Because insulin has a problem, it prevents the brain cells from absorbing glucose. Glucose is the nutrition of brain cells. Without glucose, brain cells die.

As it turns out, these high-quality proteins are the cells that feed our body.

But nutrition for our brain cell is glucose. As long as we have mastered the source of these two kinds of food, we are the masters of our own health!

The next question is, where to find glucose? It cannot be the ready-made glucose that we buy from the store. It is not from fruits such as grapes. She started looking for alternatives.

The alternative nutrients for brain cells are ketones. Ketones are necessary in brain cells. Ketones cannot be found in vitamins.

*Coconut oil* contains triglicerides. After the triglycerides in *coconut oil* is consumed, it is metabolised into ketones in the liver. This is the alternative nutrient for brain cells!

After this scientific verification, Dr. Mary added *coconut oil* to her husband’s food. After only two weeks, when he went to the hospital again to do painting and clock tests, the progress was amazing.

Dr. Mary said: “At that time, I thought, has God heard my prayers? Wouldn’t it be coconut oil that worked ? But there is no other way.Anyway, it’s better to continue taking the*coconut oil*.”

Dr. Mary was now part of the traditional medical practice base. She clearly knew the capabilities of traditional medicine.

Three weeks later, the third time she took him to do a smart clock test, the performance was better than the last time. This progress was not only intellectual, but also emotional and physical.

Dr. Mary said: “He could not do his running but now he can run. He could not read for a year and a half, but he can read again now after taking *coconut oil* for three months.”

Her husband’s actions had already begun to change. He did not speak in the mornings. Now she noticed a lot of changes: “Now after he gets up, he is spirited, talking and laughing. He drinks water himself and take utensils for himself on his own.”

On the surface, these are very simple daily tasks, but only those who have come to the clinic or have demented relatives at home can experience the joy: It is not easy to see such progress!

After frying the greens & onions in coconut oil, making cakes with coconut, after taking 3 to 4 tablespoons of coconut oil per meal, 2-3 months later, the eyes too can now focus normally.

Her studies proved that *coconut oil* can really improve the problem of dementia in the elderly.

Apply *coconut oil* to bread. When coconut cream is used, the taste is unexpectedly good.

Young people can also use it for maintenance of health and prevention, and can improve if they have symptoms of dementia.

Dementia is caused because nutrients cannot be transported to brain cells, and nutrients must be passed from the body to the brain by insulin.

Especially for diabetic patients its not easy to get insulin secretion. “Nutrition cannot get to the brain. When brain cells are starved to death, they are deprived of intelligence.”

*Coconut oil* contains medium-chain triglyceride, which can supply nutrients to the brain without using insulin.
*So, it can improve Alzheimer’s disease and Parkinson’s disease*.

After reading the article, don’t forget to share it.

We want a change of direction for the PAP with policies laid down by the pioneer leaders to fulfill our “Swiss standard of Living”

A very true view of our government written by a 89 year old lady.
Good morning to all

True facts and extremely well-written letter.
Majulah Singapura.

Open letter to all PAP cadres: Please focus on serving Singapore

The Online Citizen 2019-02-28 Letters

by Diana Sharma

This is an open letter to all People’s Action Party (PAP) cadres: Please, please, please rethink why you enter politics and look at the direction that the current PAP is going.

I sincerely believe that most Singaporeans who enter politics, regardless if they join the PAP or the opposition parties, do so with a pure heart to serve Singapore and her people.

In fact, that was the reason why PAP was very popular in the 1960’s. The pioneer batch of PAP politicians served Singapore with all their hearts and souls. They commanded the trust and respect of most Singaporeans.

Today, all Singaporeans, especially the older generation, are grateful to PAP for leading and transforming Singapore from a third-world country in the 1960’s to a modern city-state in the 1990’s.

Undeniably, PAP was not perfect and Lee Kuan Yew could be an absolute autocrat who inflicted extreme cruelty to any dissenting voices and political opponents. However, no matter how one looked at it, we have to agree that PAP had indeed done an excellent job in bringing Singapore to where it is today. We only need to look at our neighbouring countries: Malaysia, Indonesia, Philippines, Vietnam, Thailand, etc, and compare the progress made over the same timeframe from 1960s to 1990s.

Indeed, one of the reasons for the continued support for PAP during General Elections is the perception that they worked very hard to the interests of Singaporeans at the foremost and they are competent to bring about positive changes to lead the country forward.

Unfortunately, the same can no longer be said over the past 20 over years from 1990s to today. I personally feel that the hearts and souls of PAP are no longer with the common people to bring Singapore to new heights.

PAP MPs are so far detached from the average Singaporean that they live in a separate world by themselves.

The Current State of Affairs

Take, for example, of PAP ministers telling Singaporeans to buy into the Asset Enhancement Scheme for Housing Development Board (HDB) flats and promising that the value of HDB flats will never go down.

After tens of thousands of Singaporeans used up all their life savings and Central Provident Fund (CPF) monies to buy HDB flats, they announced that all HDB flats will be returned to the government at zero costs at the end of the 99-year leases.

In fact, some readers even commented that this is nothing more than an elaborate scheme to buy votes, since PAP had also openly stated that the HDB upgrading were prioritised by the PAP vote share.

Interestingly, most, if not all, PAP MPs do not live in HDB flats and they do not need to return their HDB flats to the government at the end of the 99-year leases.

PAP ministers pay themselves in excesses of $1 million while the entire economy is mis-managed with PMET unemployment hitting new highs.

Instead of standing together with Singaporeans and giving them solid support to tide over the difficult times, PAP made life even more difficult by increasing GST, electricity prices, water prices, town council fees, transportation costs, ERPs, airport taxes, university fees, property taxes, parking charges, carbon taxes, sugar taxes, etc.

As if to add insults to injury, PAP MPs pay $365 for one whole year of parking, while demanding our teachers to pay for school parking. CPF monies pay-outs are automatically deferred to 70 years of age, even though it was supposed to help provide financial support for the retired. And to top it off, they put the blame of economic mismanagement onto the common people and told them to pay more money to nurture skills in order to upgrade their skills so that graduates can become cooks and cab drivers.

Education has become an elitism breeding ground for the PAP families. While PAP ministers openly claimed that “All schools are good schools”, it is a doubt as to whether anyone of them ever sent their children to neighbourhood schools.

Finally, top school students are guaranteed places in Junior Colleges via the Integrated Programmes and Through-Trains Programmes, as well as concession points to enter affiliated Junior Colleges, whereas neighbourhood students are denied such opportunities.

Basically, children from PAP families no longer compete with children from the average Singaporean families on the level-playing fields. Our education system serves more to separate the elitist family children from the common Singaporean children, rather than to provide basic education for all Singapore children.

Accountabilities and transparencies are not even low – they are non-existent. PAP MP spouses and Singapore Armed Forces (SAF) paper generals are parachuted into high positions in governmental agencies whereby they will just move on to other high positions when they perform poorly.

The list of failures and wastage includes Neptune Orient Lines (NOL) being sold to a foreign entity, Keppel corruption scandal, multiple MRT breakdowns, building the non-functioning National Stadium, multiple confidential data breaches in SingHealth, numerous deaths in SAF, near collapse of SPH, paying millions to Uber for a system when Uber intending to sell the business to Grab, overspending millions for the Youth Olympics and building a non-existent High-Speed Railway, and overspending billions to build Airport Terminal 5 (and increasing airport taxes so much so that airlines divert to other airports), Tuas Mega-Port (with China building an even larger port in Malaysia).

The only exception to moving on for poor performance is Ho Ching in Temasek Holdings. Ho Ching continued to draw high pay package (estimated to be more than $100 million annually) even when Temasek Holdings lost billions from multiple investments, including Bayer shares, Hyflux shares, toxic credit-related products during the Lehman Brother crisis, Thaksin’s Shin Cooperation shares and the Suzhou Industrial Project, etc.

In fact, some readers speculated that this is the primary reason why CPF monies was withheld while taxes and utility fees rocketed sky
high. The President is supposed to serve as a check on the National Reserves and, in order to ensure no independent candidate can ever be elected as a President, the entry bar is now set so high that even the remaining handful of qualified independent candidates will rather enjoy their personal wealth than to risk getting into potential fallout with the government.

In the meantime, an Indian is selected to be a Malay President in order to maintain racial harmony, whereas the issue of a Malay or Indian Prime Minister is conveniently brushed aside even though voiced by many Singaporeans. Look at our National Budget! There is no directionality or leadership to lead Singapore forward. Instead, it is almost like a bribery whereby tax monies are dispersed to Singaporeans once every four years, just prior to the General Elections.

Serve Singapore with Moral Integrity

As a true-blue daughter of Singapore, I now call upon all PAP cadres to do self-reflection. Search deep within yourself and ask yourself these questions. Is this how you want to serve Singapore? Is this the proper way to govern and lead the country?

Stand back and take a hard look at the current state of affairs. Is PAP really acting for the good of Singapore? What has PAP done for Singapore over the past 10 years that has benefited Singapore as a whole?

I think the answer is very obvious if you search within your heart. I beseech you to uphold your integrity and exercise moral courage.

Stop being part of the PAP system. Leave the PAP system and start anew. Join another political party. Or form a new political party to serve Singapore if you feel that all the opposition parties are not good enough to serve Singapore. Remember that history will eventually reflect the current state of affairs.

Do you seriously think that the Singapore Archives can be locked away forever? If the PAP is so above board as it tries to portray itself, then it should declare to the public how much exactly are the PAP ministers and Ho Ching are being paid and open the Singapore Archives. What is there to hide?

You do not want to be identified as part of the PAP system when that happens and you do not want your own descendants to scorn at you in contempt.

So leave this system now while you still can. Start afresh and really work to serve Singaporeans. Goh Chock Tong and Heng Swee Keat can take the lead. They can have some self-dignity and self-respect and they should stop working as seat warmers.

If you choose to stay behind because of the huge pay checks, then stop lying to Singaporeans that you are stepping forward to serve the people. You are nothing more than a selfish elitist!

Things does not look good for Singapore in 2019 but better in 2020

Things are not looking well for the local economy, according to the latest Enterprise Singapore data released on Monday (18 Nov). Both non-oil domestic exports (NODX) and oil domestic exports declined on a year-on-year (y-o-y) basis. And NODX has on the declining trend for the past eight months.

On a y-o-y basis, NODX decreased by 12.3% in October 2019, following the 8.1% decline in the previous month. Both electronic and non-electronic NODX declined.

On a y-o-y basis, electronic NODX declined by 16.4% in October 2019, following the 24.8% contraction in the previous month. ICs, PCs and telecommunications equipment contracted by 17.2%, 31.3% and 15.7% respectively, contributing the most to the decline in electronic NODX.

As for non-electronic products on a y-o-y basis, non-electronic NODX contracted by 11.0% in October 2019, following the 2.3% decline in the previous month. Pharmaceuticals (-36.0%), petrochemicals (-19.2%) and primary chemicals (-47.3%) contributed the most to the decline in non-electronic NODX.

All non-oil domestic exports to Singapore’s major markets dropped in October with the exception of Taiwan.

As for oil domestic exports on a y-o-y basis, oil domestic exports decreased by 21.0% in October 2019, following the 22.6% contraction in the preceding month. According to the figures provided by ES, lower exports to Indonesia (-32.0%), Malaysia (-23.2%) and Hong Kong (-30.3%) contributed to the y-o-y decrease of oil domestic exports.

Total trade decreased by 9.7% in October 2019, following the 5.0% decline in the preceding month. Total imports decreased by 10.3% in October 2019, after the 4.8% decline in the previous month. Total exports decreased by 9.2% in October 2019, following the 5.1% decline in September 2019.


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Plights of Singaporeans who does not see a future

South China Morning Post (SCMP) reported yesterday (18 Nov) that based on a recent survey conducted by the Institute of Policy Studies (IPS) at NUS, majority of Singaporeans are feeling “stuck in their social classes”.

The findings, released last month (29 Oct) in a paper titled ‘Faultlines in Singapore: Public Opinion on their Realities, Management and Consequences’, covered some 4,015 people aged 18 and above. The survey was conducted between August 2018 and January this year by IPS.

The survey asked respondents if they felt their financial status would improve in a decade’s time, more than five in 10 said they would experience negligible financial mobility while fewer than one in 10 felt their fortunes would decline.

This pessimism cut across all education levels. Only 44% of those with a degree were hopeful of upward mobility in 10 years’ time, with the figure falling to 40.6% for Singaporeans with vocational training or a polytechnic diploma. For those with a secondary school education or below, only 23.8% expected to do better in future, with 10.6% thinking they would be worse off.

SCMP conducted its own survey and found that 4 out of 5 Singaporeans interviewed said their pessimism boiled down to salaries not matching up to costs, and a sense that wages were stagnant.

A Singaporean by the name of “Ho” was interviewed by SCMP. Ho did not complete secondary school, uses an e-scooter for his work and takes home between S$2,000 and S$3,000 a month, depending on the number of deliveries he makes. With the recent ban of PMD on footpaths, he may have to get a motorbike licence and buy a bike to continue at his job. This stretches his already thin finances after supporting a wife and a five-year-old and getting a new three-room flat next year.

“I really don’t know what will happen 10 years later. You ask me to look at just the next two years, and I also don’t know how to survive,” said Ho. “It’s a very rich country but it’s progressing way too fast, not everyone can catch up with the progression.”

As for degree holders such as Beatrice, 24, who writes for a magazine, they too feel the pinch.

Beatrice takes home less than S$3,000 a month and is paying off a student loan of S$28,700 after her four-year bachelor of arts in literature course. She tries to be optimistic about her future, but the cost of living is high and her pay seems stagnant. “I feel stifled,” she said. She lives with her parents in their four-room flat “out of necessity”.


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