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	<title>Comments on: TOC Report: Singaporean, 57, employed, married but cannot buy HDB flat</title>
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		<title>By: N Veerasamy</title>
		<link>http://theonlinecitizen.com/2008/11/singaporean-57-employed-married-but-cannot-buy-hdb-flat/comment-page-1/#comment-129248</link>
		<dc:creator>N Veerasamy</dc:creator>
		<pubDate>Wed, 10 Feb 2010 12:19:56 +0000</pubDate>
		<guid isPermaLink="false">http://theonlinecitizen.com/?p=2895#comment-129248</guid>
		<description>Latest news! this man is now hospitalise for his by-pass operation after a severe heart failure and undergoing an operation is ticking the clock and what next? God&#039;s know best. He is jobless and with no home his situation should not happen to any Singaporean in the near future. If our government has promised all citizen will have a roof above their head since the launch of HDB and isn&#039;t this promised broken. I have respect for HDB rules but not their decision in this man&#039;s case. They have lack lustre in pace looking after the citizens need as a proof speaks louder here. Sometimes it&#039;s the decision that is made by officials in the HDB that lead a stigma on the government. I think it&#039;s important that the government should look into his case and bring the officer for a board of inquiry, which needs attention immediately.</description>
		<content:encoded><![CDATA[<p>Latest news! this man is now hospitalise for his by-pass operation after a severe heart failure and undergoing an operation is ticking the clock and what next? God&#8217;s know best. He is jobless and with no home his situation should not happen to any Singaporean in the near future. If our government has promised all citizen will have a roof above their head since the launch of HDB and isn&#8217;t this promised broken. I have respect for HDB rules but not their decision in this man&#8217;s case. They have lack lustre in pace looking after the citizens need as a proof speaks louder here. Sometimes it&#8217;s the decision that is made by officials in the HDB that lead a stigma on the government. I think it&#8217;s important that the government should look into his case and bring the officer for a board of inquiry, which needs attention immediately.</p>
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		<title>By: tiredsingaporean</title>
		<link>http://theonlinecitizen.com/2008/11/singaporean-57-employed-married-but-cannot-buy-hdb-flat/comment-page-1/#comment-129055</link>
		<dc:creator>tiredsingaporean</dc:creator>
		<pubDate>Tue, 09 Feb 2010 15:17:11 +0000</pubDate>
		<guid isPermaLink="false">http://theonlinecitizen.com/?p=2895#comment-129055</guid>
		<description>RED-man - leaders already packed their bags and get out of this country with all that disgusting money from the country when Singapore sank! 

The scariest part of it is should those MIW losses its ability to hold power anymore, they might just empty the entire reserve and leave the mess for the new leaders to clean up, hopefully the true blue singaporeans behind should be strong enough to pull through this history. Its just simple logic when someone after so many years did enjoy all the billions he wants and get them without much effort suddenly losses it, what will happen in his last straw of capability? guess?</description>
		<content:encoded><![CDATA[<p>RED-man &#8211; leaders already packed their bags and get out of this country with all that disgusting money from the country when Singapore sank! </p>
<p>The scariest part of it is should those MIW losses its ability to hold power anymore, they might just empty the entire reserve and leave the mess for the new leaders to clean up, hopefully the true blue singaporeans behind should be strong enough to pull through this history. Its just simple logic when someone after so many years did enjoy all the billions he wants and get them without much effort suddenly losses it, what will happen in his last straw of capability? guess?</p>
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		<title>By: prettyplace</title>
		<link>http://theonlinecitizen.com/2008/11/singaporean-57-employed-married-but-cannot-buy-hdb-flat/comment-page-1/#comment-129050</link>
		<dc:creator>prettyplace</dc:creator>
		<pubDate>Tue, 09 Feb 2010 14:44:00 +0000</pubDate>
		<guid isPermaLink="false">http://theonlinecitizen.com/?p=2895#comment-129050</guid>
		<description>Agreed gemami...

What good is retirement, when u don&#039;t have a roof. 

Now, what I ask of ICA is that, why allow so... so many foriegners when you cannot even provide PR to a person who is married to a Singaporean. It is the same, creating babies. Or unless LKY&#039;s son only cherish foriegners kids. They are married for 14 years, what the hell.

It is time to put these guys out of business. For your info people,I heard, JBJ used to write to all the govt institutions in his time, about such matters and complain, that  most directors of govt agencies were so pissed that they complained to LKY to get rid of him. lol

No we have the internet. The beauty of time and technology.

HDB is a govt agency, they should provide for Singaporean. They can keep such people on a leash, and assist them in making proper decisions especially pertaing to their homes.
 Anyway,what great money have Singaporeans made from selling HDB flats, not really much. So why the fuss.

Singaporeans did not make a fuss when SLA came around to acquire their land. If they had, LKY would not be where he is today. So give it back.</description>
		<content:encoded><![CDATA[<p>Agreed gemami&#8230;</p>
<p>What good is retirement, when u don&#8217;t have a roof. </p>
<p>Now, what I ask of ICA is that, why allow so&#8230; so many foriegners when you cannot even provide PR to a person who is married to a Singaporean. It is the same, creating babies. Or unless LKY&#8217;s son only cherish foriegners kids. They are married for 14 years, what the hell.</p>
<p>It is time to put these guys out of business. For your info people,I heard, JBJ used to write to all the govt institutions in his time, about such matters and complain, that  most directors of govt agencies were so pissed that they complained to LKY to get rid of him. lol</p>
<p>No we have the internet. The beauty of time and technology.</p>
<p>HDB is a govt agency, they should provide for Singaporean. They can keep such people on a leash, and assist them in making proper decisions especially pertaing to their homes.<br />
 Anyway,what great money have Singaporeans made from selling HDB flats, not really much. So why the fuss.</p>
<p>Singaporeans did not make a fuss when SLA came around to acquire their land. If they had, LKY would not be where he is today. So give it back.</p>
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		<title>By: N Veerasamy</title>
		<link>http://theonlinecitizen.com/2008/11/singaporean-57-employed-married-but-cannot-buy-hdb-flat/comment-page-1/#comment-129041</link>
		<dc:creator>N Veerasamy</dc:creator>
		<pubDate>Tue, 09 Feb 2010 13:28:14 +0000</pubDate>
		<guid isPermaLink="false">http://theonlinecitizen.com/?p=2895#comment-129041</guid>
		<description>Thou, the objective commentor express his view that CPF is strictly for retireman and defeats its purpose is agreed. However, the agent have mislead him by taking advantage of his debts and advise him he can find a rental flat to solve his problem. His debts were accrued over for being the sole-bread winner and servicing a home is not cheap. He is also a patient with a heart problem and costs is also high for medicals. If only then the Immigration depts, were thoughtful than by granting the wife a P.R status she would have help her husband by working and no debts would have enter in his life. However, HDB rules spelt clearly that if his wife is not a P.R. holder he will not be eligible to rent a flat. The question is where does a citizen stands here 1: he is not allow a loan from the bank 2: he is not allow to rent a flat form HDB 3: Open market rental is too expensive:  4: CPF savings is lock preventing him from buying even a 1-room 1 hall flat from the open market. HDB fails to see his predicament and should have refer his case at least for some social service report before neglecting the case. Rules of  HDB is set so that people do not take advantage of its system but cases like this is not identified for a solution and rediculously they advised him to rent a flat from the open market. His current situation is after going through all the stress with our government system and what resulted is facing a 80% blockage and loosing his job. If only HDB have a heart they will think and care but here they are not even considering the sincerity the wife had shown to be a loyal and faithful wife for almost 15 years and yet to received her P.R status. Tell me how many people who are expatraite that have shown such patients living in Singapore? Is this the way we treat people in Singapore? The meaning of CPF retirement  savings must have its purpose and should allow people to used when in such circumstances. If he does not have an address how can he be contacted? I know this man personally and he does lives within his means, however some times illiterate people have to face consequences like these due to the lack of understanding in financial planning for the future. Given the benefit of doubt I strongly believe HDB should help in his case due to his negative sales. If it is common for owners who sells their property to HDB and able to rent or purchase a smaller flat direct than I do not see why HDB knowing his sales was a negative one and picture him in the same category. It is wise for HDB to say people who make profit should used their sales proceed to purchase one in the open market but not when it is negative sales. Please put yourself in his shoes, when considering the debts accrued reason, for medical costs, force to make his wife to return Phillipines due to social visits pass and maintain his flat. He would not have ended this problem if his wife was able to work. He is currently jobless and when something goes wrong what will happen to his wife? Is Singapore going to throw her out mercilessly. If we call ourselves a caring soceity and does lots of charity work than I do not see why they should be neglected. 

</description>
		<content:encoded><![CDATA[<p>Thou, the objective commentor express his view that CPF is strictly for retireman and defeats its purpose is agreed. However, the agent have mislead him by taking advantage of his debts and advise him he can find a rental flat to solve his problem. His debts were accrued over for being the sole-bread winner and servicing a home is not cheap. He is also a patient with a heart problem and costs is also high for medicals. If only then the Immigration depts, were thoughtful than by granting the wife a P.R status she would have help her husband by working and no debts would have enter in his life. However, HDB rules spelt clearly that if his wife is not a P.R. holder he will not be eligible to rent a flat. The question is where does a citizen stands here 1: he is not allow a loan from the bank 2: he is not allow to rent a flat form HDB 3: Open market rental is too expensive:  4: CPF savings is lock preventing him from buying even a 1-room 1 hall flat from the open market. HDB fails to see his predicament and should have refer his case at least for some social service report before neglecting the case. Rules of  HDB is set so that people do not take advantage of its system but cases like this is not identified for a solution and rediculously they advised him to rent a flat from the open market. His current situation is after going through all the stress with our government system and what resulted is facing a 80% blockage and loosing his job. If only HDB have a heart they will think and care but here they are not even considering the sincerity the wife had shown to be a loyal and faithful wife for almost 15 years and yet to received her P.R status. Tell me how many people who are expatraite that have shown such patients living in Singapore? Is this the way we treat people in Singapore? The meaning of CPF retirement  savings must have its purpose and should allow people to used when in such circumstances. If he does not have an address how can he be contacted? I know this man personally and he does lives within his means, however some times illiterate people have to face consequences like these due to the lack of understanding in financial planning for the future. Given the benefit of doubt I strongly believe HDB should help in his case due to his negative sales. If it is common for owners who sells their property to HDB and able to rent or purchase a smaller flat direct than I do not see why HDB knowing his sales was a negative one and picture him in the same category. It is wise for HDB to say people who make profit should used their sales proceed to purchase one in the open market but not when it is negative sales. Please put yourself in his shoes, when considering the debts accrued reason, for medical costs, force to make his wife to return Phillipines due to social visits pass and maintain his flat. He would not have ended this problem if his wife was able to work. He is currently jobless and when something goes wrong what will happen to his wife? Is Singapore going to throw her out mercilessly. If we call ourselves a caring soceity and does lots of charity work than I do not see why they should be neglected.</p>
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		<title>By: Sad</title>
		<link>http://theonlinecitizen.com/2008/11/singaporean-57-employed-married-but-cannot-buy-hdb-flat/comment-page-1/#comment-128864</link>
		<dc:creator>Sad</dc:creator>
		<pubDate>Mon, 08 Feb 2010 05:04:12 +0000</pubDate>
		<guid isPermaLink="false">http://theonlinecitizen.com/?p=2895#comment-128864</guid>
		<description>Another leaving...every year, thousands of sg ppl left...i lost so many buddies already...no1 wants to stay...only the fools stay becos they trusted everything the gov said...</description>
		<content:encoded><![CDATA[<p>Another leaving&#8230;every year, thousands of sg ppl left&#8230;i lost so many buddies already&#8230;no1 wants to stay&#8230;only the fools stay becos they trusted everything the gov said&#8230;</p>
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		<title>By: RED-man</title>
		<link>http://theonlinecitizen.com/2008/11/singaporean-57-employed-married-but-cannot-buy-hdb-flat/comment-page-1/#comment-39579</link>
		<dc:creator>RED-man</dc:creator>
		<pubDate>Fri, 12 Dec 2008 07:09:17 +0000</pubDate>
		<guid isPermaLink="false">http://theonlinecitizen.com/?p=2895#comment-39579</guid>
		<description>#44 gemani

Right on the spot! And fully agreeable. These sons of bit@h should go to hell when they six feet under.</description>
		<content:encoded><![CDATA[<p>#44 gemani</p>
<p>Right on the spot! And fully agreeable. These sons of bit@h should go to hell when they six feet under.</p>
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		<title>By: gemami</title>
		<link>http://theonlinecitizen.com/2008/11/singaporean-57-employed-married-but-cannot-buy-hdb-flat/comment-page-1/#comment-39564</link>
		<dc:creator>gemami</dc:creator>
		<pubDate>Fri, 12 Dec 2008 06:08:36 +0000</pubDate>
		<guid isPermaLink="false">http://theonlinecitizen.com/?p=2895#comment-39564</guid>
		<description>Dear Veerasamy,

A friend indeed you are.

This is becoming a regular cycle in Singapore. The people who need help have to come knocking on doors to seek the help they need. Institutions that claim to provide help do not render the help they proclaim to offer.

Red-tapes and protocols are the order of the day not so much to protect the institution but more to make the process complicated so that people would give up and not be a bother to anyone any longer.

No one wants to look at the problem head on. Every one has their eyes averted so that they would not feel guilty when they sleep at night. Worse of all, after all the hassles and if you are still around to bug them, these same people do not hesitate one bit thereafter to give you what you want if you promised to stay away from them for the rest of their lives.

Do they even stop to wonder if this poor fellow has to give up his citizenship just so that he could help himself? Singapore is turning out to be a cold grey place, slowly but surely.</description>
		<content:encoded><![CDATA[<p>Dear Veerasamy,</p>
<p>A friend indeed you are.</p>
<p>This is becoming a regular cycle in Singapore. The people who need help have to come knocking on doors to seek the help they need. Institutions that claim to provide help do not render the help they proclaim to offer.</p>
<p>Red-tapes and protocols are the order of the day not so much to protect the institution but more to make the process complicated so that people would give up and not be a bother to anyone any longer.</p>
<p>No one wants to look at the problem head on. Every one has their eyes averted so that they would not feel guilty when they sleep at night. Worse of all, after all the hassles and if you are still around to bug them, these same people do not hesitate one bit thereafter to give you what you want if you promised to stay away from them for the rest of their lives.</p>
<p>Do they even stop to wonder if this poor fellow has to give up his citizenship just so that he could help himself? Singapore is turning out to be a cold grey place, slowly but surely.</p>
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		<title>By: RED-man</title>
		<link>http://theonlinecitizen.com/2008/11/singaporean-57-employed-married-but-cannot-buy-hdb-flat/comment-page-1/#comment-39557</link>
		<dc:creator>RED-man</dc:creator>
		<pubDate>Fri, 12 Dec 2008 05:51:41 +0000</pubDate>
		<guid isPermaLink="false">http://theonlinecitizen.com/?p=2895#comment-39557</guid>
		<description>Good afternoon Veerasamy

I am afraid your friend make a right decision moving out of Singapore and seriously I urge all Singaporean having difficulty to get the hell out of here before the rest of the 66% Singaporean woke up to find that are supereme leaders already packed their bags and get out of this country with all that disgusting money from the country when Singapore sank! 

It is not the opposition that will sink this country, sad to say it is that bunch of so-called elites!</description>
		<content:encoded><![CDATA[<p>Good afternoon Veerasamy</p>
<p>I am afraid your friend make a right decision moving out of Singapore and seriously I urge all Singaporean having difficulty to get the hell out of here before the rest of the 66% Singaporean woke up to find that are supereme leaders already packed their bags and get out of this country with all that disgusting money from the country when Singapore sank! </p>
<p>It is not the opposition that will sink this country, sad to say it is that bunch of so-called elites!</p>
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		<title>By: N Veerasamy</title>
		<link>http://theonlinecitizen.com/2008/11/singaporean-57-employed-married-but-cannot-buy-hdb-flat/comment-page-1/#comment-39429</link>
		<dc:creator>N Veerasamy</dc:creator>
		<pubDate>Fri, 12 Dec 2008 00:03:55 +0000</pubDate>
		<guid isPermaLink="false">http://theonlinecitizen.com/?p=2895#comment-39429</guid>
		<description>I was trying to help this man but regret HDB deadline was not met due to Blk 230, Ang Mo Kio Family Service centre poor response. he started packing his belongings and decided to leave Singapore for good after 14 good years and tears. The last laugh this man have is that what stupid system the C.P.F board may talk about retirement fund and now after thinking of giving up his citizenship the fund is given to him at last. A hugh price to pay to recover his retirement fund. 

Sometimes I don&#039;t blame the government but officials like FSC and HDB are the one creating all the problem in his case. Here is a man who have to leave Singapore just because he does not find a home even being a Singapore citizen. With Indians being the least population among the four races the percentage of this race will continue to be lost. One day the Singaporean who help to build Singapore is unwanted by the government. To be honest the original Singaporean are staying indoor and probably will leave Singapore soon. 

I just think Singapore is not our homeland and this is not where we belong.</description>
		<content:encoded><![CDATA[<p>I was trying to help this man but regret HDB deadline was not met due to Blk 230, Ang Mo Kio Family Service centre poor response. he started packing his belongings and decided to leave Singapore for good after 14 good years and tears. The last laugh this man have is that what stupid system the C.P.F board may talk about retirement fund and now after thinking of giving up his citizenship the fund is given to him at last. A hugh price to pay to recover his retirement fund. </p>
<p>Sometimes I don&#8217;t blame the government but officials like FSC and HDB are the one creating all the problem in his case. Here is a man who have to leave Singapore just because he does not find a home even being a Singapore citizen. With Indians being the least population among the four races the percentage of this race will continue to be lost. One day the Singaporean who help to build Singapore is unwanted by the government. To be honest the original Singaporean are staying indoor and probably will leave Singapore soon. </p>
<p>I just think Singapore is not our homeland and this is not where we belong.</p>
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		<title>By: N Veerasamy</title>
		<link>http://theonlinecitizen.com/2008/11/singaporean-57-employed-married-but-cannot-buy-hdb-flat/comment-page-1/#comment-36071</link>
		<dc:creator>N Veerasamy</dc:creator>
		<pubDate>Wed, 26 Nov 2008 10:47:10 +0000</pubDate>
		<guid isPermaLink="false">http://theonlinecitizen.com/?p=2895#comment-36071</guid>
		<description>I am a friend of Mr. Silvalimkam, and was totally involved since his initial problem. After much attempt sending letters and meeting personally with several officials the door were all shut in my friends case. I am not surprised with their behaviour as childless couple will not be given any atttention as they do not have children to served national service and therefore regarded as useless. However, the last attempt was making another email to the Ministry of Community Youth and services and was heard but was re-directed to Ang Mo Kio Family Service Centre Blk 230 # 01-1264, but what was not appropriate in the centre is that they do not take records or make copies to important documents for future reference. What also looks stupid is that not file open for my friend case and a lousy human rapport. The socialism is very poor and not helpful at all. 

I think the MCYS should step to investigate why the lack shordy in work done and no interest shown in my friends case. The shocking news is that the social officer claimed she will immediately in late evening at 1930hrs will contact the HDB officer, which we have to believe. Since when did official response to call in HDB after 17.30hrs. 

I think the centre is useless and probably not caring enough to call themselves a family service centre. Please comment.</description>
		<content:encoded><![CDATA[<p>I am a friend of Mr. Silvalimkam, and was totally involved since his initial problem. After much attempt sending letters and meeting personally with several officials the door were all shut in my friends case. I am not surprised with their behaviour as childless couple will not be given any atttention as they do not have children to served national service and therefore regarded as useless. However, the last attempt was making another email to the Ministry of Community Youth and services and was heard but was re-directed to Ang Mo Kio Family Service Centre Blk 230 # 01-1264, but what was not appropriate in the centre is that they do not take records or make copies to important documents for future reference. What also looks stupid is that not file open for my friend case and a lousy human rapport. The socialism is very poor and not helpful at all. </p>
<p>I think the MCYS should step to investigate why the lack shordy in work done and no interest shown in my friends case. The shocking news is that the social officer claimed she will immediately in late evening at 1930hrs will contact the HDB officer, which we have to believe. Since when did official response to call in HDB after 17.30hrs. </p>
<p>I think the centre is useless and probably not caring enough to call themselves a family service centre. Please comment.</p>
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		<title>By: Tan kuku</title>
		<link>http://theonlinecitizen.com/2008/11/singaporean-57-employed-married-but-cannot-buy-hdb-flat/comment-page-1/#comment-32319</link>
		<dc:creator>Tan kuku</dc:creator>
		<pubDate>Thu, 13 Nov 2008 07:49:32 +0000</pubDate>
		<guid isPermaLink="false">http://theonlinecitizen.com/?p=2895#comment-32319</guid>
		<description>If Mr Silvalinkam can buy a 3room flat, he can rent out the extra room and earn about $500 per month rather than paying $400 per month to rent from others.

It is the time for our CPF or HDB to go back to do the RIGHT THING they are supposed to do.  Now they keep changing their rules to benefit themselves, not benefiting the people. 

#39, what make you think Mr Silvalinkam can stop working at 62, we are told to keep working until our health does not permit. Let say he has another 20 years to work, at least he has a proper roof over his head.  I remember our PM once said, no Singaporean will need to sleep on the road due to financial difficulties but look at this case, I beg to accept what he said.</description>
		<content:encoded><![CDATA[<p>If Mr Silvalinkam can buy a 3room flat, he can rent out the extra room and earn about $500 per month rather than paying $400 per month to rent from others.</p>
<p>It is the time for our CPF or HDB to go back to do the RIGHT THING they are supposed to do.  Now they keep changing their rules to benefit themselves, not benefiting the people. </p>
<p>#39, what make you think Mr Silvalinkam can stop working at 62, we are told to keep working until our health does not permit. Let say he has another 20 years to work, at least he has a proper roof over his head.  I remember our PM once said, no Singaporean will need to sleep on the road due to financial difficulties but look at this case, I beg to accept what he said.</p>
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		<title>By: Anonymous</title>
		<link>http://theonlinecitizen.com/2008/11/singaporean-57-employed-married-but-cannot-buy-hdb-flat/comment-page-1/#comment-32292</link>
		<dc:creator>Anonymous</dc:creator>
		<pubDate>Thu, 13 Nov 2008 07:03:43 +0000</pubDate>
		<guid isPermaLink="false">http://theonlinecitizen.com/?p=2895#comment-32292</guid>
		<description>Why not look for Mr. Tan Kian Lian for help?  He is popular, he is willing to help people he doesn&#039;t know, he has time, he has money and he got connections.

Mr. Silvalinkam earns an income of $1,500/mth or $18,000.  If he stop work at 62, his total potential earned income is only $90,000.  If he adds the $13,000 in his CPF, the total amount cannot even pay for the full cost of a new 3 room HDB.  So of course, he cannot get a HDB flat.  There is no such thing as free housing.

Since there are he and his wife, why not look around for flats with rental around $400/mth per room, I am sure there are people willing to rent a room out for this amount.

Owning a property is a risk and is illiquid.  Better to rent than to own real estate.

I would say: buy term, invest the rest.  Rent the flat, and use the rest of the money to invest.  Do not fall into the trap of owning a property.  Buying a property is always a losing venture.</description>
		<content:encoded><![CDATA[<p>Why not look for Mr. Tan Kian Lian for help?  He is popular, he is willing to help people he doesn&#8217;t know, he has time, he has money and he got connections.</p>
<p>Mr. Silvalinkam earns an income of $1,500/mth or $18,000.  If he stop work at 62, his total potential earned income is only $90,000.  If he adds the $13,000 in his CPF, the total amount cannot even pay for the full cost of a new 3 room HDB.  So of course, he cannot get a HDB flat.  There is no such thing as free housing.</p>
<p>Since there are he and his wife, why not look around for flats with rental around $400/mth per room, I am sure there are people willing to rent a room out for this amount.</p>
<p>Owning a property is a risk and is illiquid.  Better to rent than to own real estate.</p>
<p>I would say: buy term, invest the rest.  Rent the flat, and use the rest of the money to invest.  Do not fall into the trap of owning a property.  Buying a property is always a losing venture.</p>
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		<title>By: N.Veerasamy</title>
		<link>http://theonlinecitizen.com/2008/11/singaporean-57-employed-married-but-cannot-buy-hdb-flat/comment-page-1/#comment-32278</link>
		<dc:creator>N.Veerasamy</dc:creator>
		<pubDate>Thu, 13 Nov 2008 06:22:05 +0000</pubDate>
		<guid isPermaLink="false">http://theonlinecitizen.com/?p=2895#comment-32278</guid>
		<description>HDB is absurd when it comes to housing issues. If Mr.Silvalimkam was advise that he had to wait for 30 mths, to secure a rental flat does that means he will be given a first priority immediate when attaining his qualified date a rental home ? For sure he’s not going to get it. Next, he needs two Singaporean I/C&#039;s to qualify for a rental and that again re-confirm his ineligibility. You have caused him to deplete his life time savings in a rental that is so expensive out there. His excuse was debts for selling his existing flat, why enter into debt could be his wife not have the P.R. status and not able to seek employment. In his case any man would have made the same decision to sell that entering into bankruptcy.

Next, for C.P.F board their bahaviour is not acceptable as they claimed to look after his retirement fund just like any banks when you keep for safe keeping and earn interest over it. But C.P.F takes ownership and refused to released the fund is totally unacceptable for such case as Mr. Siva request is to purchase a flat and not to spend in casino. Be fair or the trust people has on C.P.F board is going to loose its grip. And in any simple man’s mind it looks like some have been rob with his little life time savings to earn profit in it and will only release at their own time and contract. People respect your care and concern shown but hey here is a case that needs help and if both of you HDB and C.P.F board is closing their doors what can he do. 

People have not agreed with such negotiation but welcome the government move to assist in old age, however here is a case needs help, HDB need to assist him with housing grant, if this is the first time, loan, and also C.P.F to act more passionately to release his retirement fund to support his eligibility for a rental flat and lastly. Remember all these grant were not available before and many have not even enjoy such benefits. What good used would it be if the retirement funds does not have a corresponding address and no wonder many fail to claim their C.P.F with one of the probable reason here. 

Lastly, ICA needs to take into consideration in his marriage, and the years of patriotism shown by the wife accepting Singapore as her homeland. If they would have approved the P.R status she would have earn some C.P.F savings to help her husband today’s issue. If the door were close everywhere than why should we call ourselves as Singaporean with such difficult rules, system or policy made by man. 

I remember what my parents told me before that our government is making sure that everyone gets a roof over their head but it looks like that statement could not be true in this example. 

HDB, ICA or C.P.F board you ought to put the picture in a brighter light and please flip back at all the schemes, and helping assistance you have in your plan to help these couples. You have frightened the younger couples into making decision into marriage with your present system. Gone were the days our leaders cared for the people and now it’s different. Look forward to your favourable reply.

Thanks to the editors for raising this issue for our readers attention.

W/regs,

N Veerasamy</description>
		<content:encoded><![CDATA[<p>HDB is absurd when it comes to housing issues. If Mr.Silvalimkam was advise that he had to wait for 30 mths, to secure a rental flat does that means he will be given a first priority immediate when attaining his qualified date a rental home ? For sure he’s not going to get it. Next, he needs two Singaporean I/C&#8217;s to qualify for a rental and that again re-confirm his ineligibility. You have caused him to deplete his life time savings in a rental that is so expensive out there. His excuse was debts for selling his existing flat, why enter into debt could be his wife not have the P.R. status and not able to seek employment. In his case any man would have made the same decision to sell that entering into bankruptcy.</p>
<p>Next, for C.P.F board their bahaviour is not acceptable as they claimed to look after his retirement fund just like any banks when you keep for safe keeping and earn interest over it. But C.P.F takes ownership and refused to released the fund is totally unacceptable for such case as Mr. Siva request is to purchase a flat and not to spend in casino. Be fair or the trust people has on C.P.F board is going to loose its grip. And in any simple man’s mind it looks like some have been rob with his little life time savings to earn profit in it and will only release at their own time and contract. People respect your care and concern shown but hey here is a case that needs help and if both of you HDB and C.P.F board is closing their doors what can he do. </p>
<p>People have not agreed with such negotiation but welcome the government move to assist in old age, however here is a case needs help, HDB need to assist him with housing grant, if this is the first time, loan, and also C.P.F to act more passionately to release his retirement fund to support his eligibility for a rental flat and lastly. Remember all these grant were not available before and many have not even enjoy such benefits. What good used would it be if the retirement funds does not have a corresponding address and no wonder many fail to claim their C.P.F with one of the probable reason here. </p>
<p>Lastly, ICA needs to take into consideration in his marriage, and the years of patriotism shown by the wife accepting Singapore as her homeland. If they would have approved the P.R status she would have earn some C.P.F savings to help her husband today’s issue. If the door were close everywhere than why should we call ourselves as Singaporean with such difficult rules, system or policy made by man. </p>
<p>I remember what my parents told me before that our government is making sure that everyone gets a roof over their head but it looks like that statement could not be true in this example. </p>
<p>HDB, ICA or C.P.F board you ought to put the picture in a brighter light and please flip back at all the schemes, and helping assistance you have in your plan to help these couples. You have frightened the younger couples into making decision into marriage with your present system. Gone were the days our leaders cared for the people and now it’s different. Look forward to your favourable reply.</p>
<p>Thanks to the editors for raising this issue for our readers attention.</p>
<p>W/regs,</p>
<p>N Veerasamy</p>
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		<title>By: saga</title>
		<link>http://theonlinecitizen.com/2008/11/singaporean-57-employed-married-but-cannot-buy-hdb-flat/comment-page-1/#comment-32276</link>
		<dc:creator>saga</dc:creator>
		<pubDate>Thu, 13 Nov 2008 06:18:58 +0000</pubDate>
		<guid isPermaLink="false">http://theonlinecitizen.com/?p=2895#comment-32276</guid>
		<description>HDB rules is like a tangled web. so many rules and regulations and a lot of it contradict each other. Same goes for CPF.

these rules and regulations are mostly conjured up by a lot of high paid scholars who always try to seize the chance to impress but ignore the hardship and the issues that the people faced.

sometimes, i wonder should we kill off the current scholars batch and make them toil and sweat to understand the people.. haiz...</description>
		<content:encoded><![CDATA[<p>HDB rules is like a tangled web. so many rules and regulations and a lot of it contradict each other. Same goes for CPF.</p>
<p>these rules and regulations are mostly conjured up by a lot of high paid scholars who always try to seize the chance to impress but ignore the hardship and the issues that the people faced.</p>
<p>sometimes, i wonder should we kill off the current scholars batch and make them toil and sweat to understand the people.. haiz&#8230;</p>
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		<title>By: Donaldson Tan</title>
		<link>http://theonlinecitizen.com/2008/11/singaporean-57-employed-married-but-cannot-buy-hdb-flat/comment-page-1/#comment-32245</link>
		<dc:creator>Donaldson Tan</dc:creator>
		<pubDate>Thu, 13 Nov 2008 05:15:57 +0000</pubDate>
		<guid isPermaLink="false">http://theonlinecitizen.com/?p=2895#comment-32245</guid>
		<description>&lt;i&gt;2. Why implement ERP when there is already COE? and best still, you would in the end on daily basis caught in a traffic conjestion every morning and evening, leaving and going home&lt;/i&gt; - Dr Albert (#14)

The COE policy was a failure. COE actually uses a dutch auction, which means if there are 1000 COEs available and there are 1500 bids, the price of the 1000th highest bid determines the transaction price for the entire bid. 

A dutch auction is convenient when it is important to auction goods quickly,. Clearly, the ease of selling COEs takes over the priority of regulating the supply of cars. This is expected from PAP government&#039;s pro-business standard as the burden of holding the car is shifted from from the car seller to the consumer through &lt;i&gt;cheap&lt;/i&gt; COE and &lt;i&gt;unnecessary&lt;/i&gt; ERP charges.</description>
		<content:encoded><![CDATA[<p><i>2. Why implement ERP when there is already COE? and best still, you would in the end on daily basis caught in a traffic conjestion every morning and evening, leaving and going home</i> &#8211; Dr Albert (#14)</p>
<p>The COE policy was a failure. COE actually uses a dutch auction, which means if there are 1000 COEs available and there are 1500 bids, the price of the 1000th highest bid determines the transaction price for the entire bid. </p>
<p>A dutch auction is convenient when it is important to auction goods quickly,. Clearly, the ease of selling COEs takes over the priority of regulating the supply of cars. This is expected from PAP government&#8217;s pro-business standard as the burden of holding the car is shifted from from the car seller to the consumer through <i>cheap</i> COE and <i>unnecessary</i> ERP charges.</p>
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		<title>By: Alan Wong</title>
		<link>http://theonlinecitizen.com/2008/11/singaporean-57-employed-married-but-cannot-buy-hdb-flat/comment-page-1/#comment-32236</link>
		<dc:creator>Alan Wong</dc:creator>
		<pubDate>Thu, 13 Nov 2008 04:43:42 +0000</pubDate>
		<guid isPermaLink="false">http://theonlinecitizen.com/?p=2895#comment-32236</guid>
		<description>The latest joke going round about our funds is that there is this shrewd Mentor cum lawyer together with his crafty ministers wanted to create this big reservoir of sovereign funds which could be used to their greatest advantage to create profits so that they can continue to pay themselves millions of dollars in salaries for years to come.  

I was just thinking,  is this not unlike Taiwan&#039;s ex-president cum lawyer creating this large reservoior of oversea funds so that he and his family can continue to draw from for years to come.  Afterall there is also the role of the son and daughter in-law and not forgetting that there is an ever compliant judiciary.

Just wondering where does the similiarities end.</description>
		<content:encoded><![CDATA[<p>The latest joke going round about our funds is that there is this shrewd Mentor cum lawyer together with his crafty ministers wanted to create this big reservoir of sovereign funds which could be used to their greatest advantage to create profits so that they can continue to pay themselves millions of dollars in salaries for years to come.  </p>
<p>I was just thinking,  is this not unlike Taiwan&#8217;s ex-president cum lawyer creating this large reservoior of oversea funds so that he and his family can continue to draw from for years to come.  Afterall there is also the role of the son and daughter in-law and not forgetting that there is an ever compliant judiciary.</p>
<p>Just wondering where does the similiarities end.</p>
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		<title>By: The People's</title>
		<link>http://theonlinecitizen.com/2008/11/singaporean-57-employed-married-but-cannot-buy-hdb-flat/comment-page-1/#comment-32223</link>
		<dc:creator>The People's</dc:creator>
		<pubDate>Thu, 13 Nov 2008 03:46:22 +0000</pubDate>
		<guid isPermaLink="false">http://theonlinecitizen.com/?p=2895#comment-32223</guid>
		<description>The poor will become poorer and the rich richer. A dreaded trend that will sink in. If we are to maintain the excellent living quality the 1st generation pioneers have fought for, we need to vote in some opposition and ensure that power does not consolidate in one party. So no one is allowed to do anything he wish.

The problem is...how many will remember to do that?</description>
		<content:encoded><![CDATA[<p>The poor will become poorer and the rich richer. A dreaded trend that will sink in. If we are to maintain the excellent living quality the 1st generation pioneers have fought for, we need to vote in some opposition and ensure that power does not consolidate in one party. So no one is allowed to do anything he wish.</p>
<p>The problem is&#8230;how many will remember to do that?</p>
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		<title>By: AnnA</title>
		<link>http://theonlinecitizen.com/2008/11/singaporean-57-employed-married-but-cannot-buy-hdb-flat/comment-page-1/#comment-32206</link>
		<dc:creator>AnnA</dc:creator>
		<pubDate>Thu, 13 Nov 2008 03:25:21 +0000</pubDate>
		<guid isPermaLink="false">http://theonlinecitizen.com/?p=2895#comment-32206</guid>
		<description>It is time for change and CHANGE is a must!

I would rather have a brand new 600cc car than a 3000cc faulty engine car!!

So please vote for a new government :( 

Isn&#039;t it time to let go?</description>
		<content:encoded><![CDATA[<p>It is time for change and CHANGE is a must!</p>
<p>I would rather have a brand new 600cc car than a 3000cc faulty engine car!!</p>
<p>So please vote for a new government :( </p>
<p>Isn&#8217;t it time to let go?</p>
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		<title>By: patriot</title>
		<link>http://theonlinecitizen.com/2008/11/singaporean-57-employed-married-but-cannot-buy-hdb-flat/comment-page-1/#comment-32201</link>
		<dc:creator>patriot</dc:creator>
		<pubDate>Thu, 13 Nov 2008 03:19:36 +0000</pubDate>
		<guid isPermaLink="false">http://theonlinecitizen.com/?p=2895#comment-32201</guid>
		<description>&quot;He sleeps at Bishan Park&quot;, unquote.

There are kind reminders not to sleep at parks and if I am not mistaken all public places, otherwise, the Laws will come down hard on the sleeper.  Frankly, I did not know such Laws were passed and exist, I am sure lots of Singaporeans are unaware of it.

I have not come across any signboard and warning at any public place including void decks,  that state &#039;no sleeping, no napping or lying, no love-making&#039; etc. Large signboards of &#039;no trespassing, private property, protected place, state land, no swimming, no fishing&#039; are common.

The gentleman who was fined SIN$200 maybe too poor and or too scared to get a lawyer or simply wanted to save himself the hassle of fighting the charge. I have not been to Bishan Park, but I guess there were no warning signboard for &#039;No Sleeping&#039; there.

I do not know if there is a second country in the World that turn all unoccupied/unused land to state property and ban entry into them, violation of the ban results in trespassing and subject to punishment. The coastline(seashore) of Singapore are also not free for its&#039; citizens to camp except at designated locations and permits are required. Every inch of the land and sea, it seems, belong to the Government. The State as a whole is liked one big army camp with restrictions of all kinds all over it, and yet it is called a democratic society. I cannot believe the democracy, as citizens, movements are badly curtailed for no good and justifiable reasons.

Silvalinkam should consider loops&#039; suggestion to move his family to his wife&#039;s hometown.

patriot</description>
		<content:encoded><![CDATA[<p>&#8220;He sleeps at Bishan Park&#8221;, unquote.</p>
<p>There are kind reminders not to sleep at parks and if I am not mistaken all public places, otherwise, the Laws will come down hard on the sleeper.  Frankly, I did not know such Laws were passed and exist, I am sure lots of Singaporeans are unaware of it.</p>
<p>I have not come across any signboard and warning at any public place including void decks,  that state &#8216;no sleeping, no napping or lying, no love-making&#8217; etc. Large signboards of &#8216;no trespassing, private property, protected place, state land, no swimming, no fishing&#8217; are common.</p>
<p>The gentleman who was fined SIN$200 maybe too poor and or too scared to get a lawyer or simply wanted to save himself the hassle of fighting the charge. I have not been to Bishan Park, but I guess there were no warning signboard for &#8216;No Sleeping&#8217; there.</p>
<p>I do not know if there is a second country in the World that turn all unoccupied/unused land to state property and ban entry into them, violation of the ban results in trespassing and subject to punishment. The coastline(seashore) of Singapore are also not free for its&#8217; citizens to camp except at designated locations and permits are required. Every inch of the land and sea, it seems, belong to the Government. The State as a whole is liked one big army camp with restrictions of all kinds all over it, and yet it is called a democratic society. I cannot believe the democracy, as citizens, movements are badly curtailed for no good and justifiable reasons.</p>
<p>Silvalinkam should consider loops&#8217; suggestion to move his family to his wife&#8217;s hometown.</p>
<p>patriot</p>
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		<title>By: loop</title>
		<link>http://theonlinecitizen.com/2008/11/singaporean-57-employed-married-but-cannot-buy-hdb-flat/comment-page-1/#comment-32149</link>
		<dc:creator>loop</dc:creator>
		<pubDate>Thu, 13 Nov 2008 01:45:51 +0000</pubDate>
		<guid isPermaLink="false">http://theonlinecitizen.com/?p=2895#comment-32149</guid>
		<description>Since his wife is not a Singaporean, maybe he should follow her back to whatever country she came from.  Probably he would be able to get housing over there.</description>
		<content:encoded><![CDATA[<p>Since his wife is not a Singaporean, maybe he should follow her back to whatever country she came from.  Probably he would be able to get housing over there.</p>
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