Soukaina Zair

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Let’s be fair to loan sharks here. They take risk and they do service a section of the community that no one else will lend to. Once the casinos come in you an expect their business to grow.

I like the idea of micro-credit schemes. I mean, people in the 60s and 70s survived by setting up small businesses and we should encourage more entrepreneurship amongst the lower income group. Unfortunately the government hates entrepreneurs (unless they are the entrepreneurs) so we can forget things like micro-loans.

“I still dun understand what you are trying to prove.”
You don’t understand what I’m trying to prove, but you understand what I was trying to mean in my previous post right.

I’m trying to show that understanding the context in very important in the language we are communicating in. They include, comprehending debate statements and Scientific journals.

“Tell us clearly what you are unhappy with TOE and your supporting evidences.”

I trying put forth in short:

TOE(macro evolution) is not proven so far, which inferno also agree.

Inferno is trying to say that although TOE is not proven with ‘experimental’ rigor of Science, it can be deductively valid like the Atomic Theory.

I do not think there are Scientific journals to ‘proof’ or support the claim that TOE is deductively valid( which is the only plausible explanation)

If you check out my first post. I’m trying to say since TOE is not formally proven. It should not be included in Science class.

maybe soon the police will be on the side of the loan sharks to harass the victims!!!
if loansharks can count on ah gong to help them of course flourish lah!

wong kan seng was considering making victims punishable u know.

pap won’t stop until all non-elites like u & me are driven to the grave.
ie the elites will move ahead, the ‘nobody’ will be left behind (for dead)

Yamamoto -San #16 – I agree with your views. It takes to clap. Indeed credit facility is quite easy to obtain here, especially credit cards and loans of many kinds. Hence, there will be people who can’t resist them. Many Sporeans assume (think) that when they get into trouble with money problems, the government will help them get out of the rut, which is not the case. I just hope that people will make decisions wisely and assume that everyday will be a sunny day. Bad weather can strike anytime and the current worldwide recession is a good example. I am quite sure, many people who have lost their jobs or may lose their jobs soon will have difficulties paying bills or for that matter find money to put food on the tables.

It takes 2 hands to clap…you need both personal accountability and a credit system that is not as easily to assess compared to the current system to prevent such things from happening

we are humans…when these credit cards company offer credit cards easily to the people, it provides temptation…although we should control and curb those temptation but humans are still imperfect….this easily available credit cards temp them to live beyond their means and there will be those that can’t resist.

comparing now vis-a-vis a decade ago….it is so much easier to get apply and get a credit card. a decade ago, an electronic salesman isn’t eligible for a credit card, but now, they can get it easily with the same wage earning. a decade ago, platinum credit cards are a prestige and it is rare, now it is all over the place. a balance needs to be achieved…credits should be available, but not so easily available…

so this is just like the devil tempting adam and eve to consume the forbidden fruit….the devil is wrong for tempting, but humans can choose and they choose the wrong choice, and they only have themselves to blame….but there are some who are been push into the scenario for survival and in that case, it is hard 2 blame them

I totally disagree with your view “In short, do not make it easy (encourage)people to live beyond their means.”

Living within your means is something which all of us must adhere to with or without anyone by the side telling you otherwise.

Banks/Finance houses etc are business entities, they WILL always be looking to increase their client base and revenue. It is true in every country for every company.

The only person whom is best suited to decide if you can afford the car or condo or that omega watch is yourself, and no one else.

Even in the most consumer driven countries like USA, we have people who are living within their means and saving. Just google Brett & Sue Heinz. You get the story.

It is silly to blame the fact that credit is available thus, people abuse. If credit is not available then we have another set of problems as legitimate couples cannot receive funding to purchase what they need.

Ultimately it is about personal responsibility, if you cannot distingush between good and bad debt, investment vs consumption. Then in truth no policy in the world can save you.

I know a gentleman working as a security guard obtaining a GE money loan to buy a pair of Tag Heuer watches. Is it the fault of GE money or you are thinking why did he just spend $4k on 2 watches which is equals to his 2.5 months salary?

Alot of people keep saying given a choice, no one wants to be in debt…. but if you are in debt because of hospital bills then it is the flaw of the national policies. If someone is in debt because he bought a maserati and an ardmore park condo, then seriously, you cannot claim this is a failing of the country or policy.

Personal accountability / fiscal responsibility is the key to guide you out of trouble both in good times and bad.

I have never heard of people in my father’s generation accumulating credit card debts….WHY???

Think about it and I think it is time to stop blaming other people and take responsibility for your own actions and decisions.