1. Has Mr. Muthu negotiated with HDB to either defer or re-finance his housing loan at least until he has found a job? The MPs are there to help. As a matter of fact, it is their obligation as the representatives of the residents in their constituencies to help people like Mr. Muthu.

2. Mr. Muthu has tried to find another job which paid him close to his last earned salary. But can he try to settle for a job which does not pay him as much as he used to be paid? Even having an extra $1,000 more per month from a job, which does not pay him as much as he used to earn, is better than having no jobs at all.

3. When he was the Assistant Manager, has Mr. Muthu tried to identify his value to the company (or even to his industry) and think of how to improve himself to move up the food chain? In his entire worklife, he should be aware that there are bound to be downturns and has he make plans and explore his value to his company to ensure employability, or at least better his chances, when tough decisions are to be made by the management?

4. Together with my sister, we have spent nights with my parents in a room of a 3-room flat before. It was cramped, but it is not doubt a sweet memory because family bonds are made stronger. for Mr. Muthu’s case, though there are tenants in the same flat as well, the inconvenient times would only be during the morning rush hour and night time. Comparing this inconvenience to the friction when he is staying with his brother, which is a lesser devil?

Even though thankfully, I am currently employed and earning a decent salary, this does not prevent me from thinking and planning for myself, as well as my family when the worst happens. I would thus propose that full responsibility does not lie with the government to ensure that everyone has a job, but largely also on the individuals to remain flexible, think and plan for themselves to ensure survival. Only then Singaporeans can considered themselves matured and be recognised and be a formidable voice in our own country.

for reply to your post 25, please refer to my post 24.

The betrayer seduced its own kind from far and wide
More betrayers to serve his evil quest
At first it looked like the wind blows in his favour
but it is not to be for long

For light brings brightness and cleaniness
So will darkness bring chaos and bloodshed
I do not fear for I will be long gone
When these little devils meet their true master

I am having trouble following your train of thought in your discussion, which is quite baffling.
If you need to be right, then you are right. [/i]

why don’t you just echoed another ^HONEST^ mistakes
let moved on with our remainin lives
and remin the survivin widow to pay her mortgage on time

I am having trouble following your train of thought in your discussion, which is quite baffling.
If you need to be right, then you are right.

you should visit other sites besides TOC
CPF site for example

Q: What is Home Protection Scheme (HPS)?

A: The Home Protection Scheme (HPS) is a mortgage reducing insurance which insures CPF members and their families against losing their homes should members become physically / mentally incapacitated or pass away before their housing loans are paid up. [/i]

so how did HDB come out with this law disqualifyin her from ownin the maisonette 100%?
why would hdb insured in her name only when all this while she is a housewife?
unless you wants to say hdb make another honest mistakes when the departed husband all this while is the mortgage payer? but not covered by HDB insurance upon his demise?
yet here you are
still echonin laulee words on law/govern and rulins…
never even bothered to investigate nor assist the poor widow in fightin a case for her legal rights to live in that maisonette upon her hubby death? what does this REALlive example gotta do with TOC? you meant TOC is the insurance agent who sell insurance on hdb mortgacee behalf?

you should visit other sites besides TOC
CPF site for example

Q: What is Home Protection Scheme (HPS)?

A: The Home Protection Scheme (HPS) is a mortgage reducing insurance which insures CPF members and their families against losing their homes should members become physically / mentally incapacitated or pass away before their housing loans are paid up.

Q: I am using my CPF savings to pay my monthly housing instalments. Do I need to be insured under HPS?

A: Yes, you have to be insured under HPS if you are using your CPF savings to pay your monthly housing instalments on your HDB flat.

is that true or you just hear hearsays?
how about another client of mine who husband died a few years back on brain tumour.
the wife who is a devoted housewife/mother of 3 children who USED to live in a double story maisonette in bedok reservoir was FORCE to vacate and sell the masionate when the husband died..HJDB says his insurance didn’t covered the hubby death..only the devoted housewife clause..
please be so smart to share ley?
ole yes today the survivin mom had to slog as an office staff (who was lucky to have a loban by 1 of her closed friend hubby who take her as an office assistant)
she now lived in a 3 room resale flat still payin a brand new mortgage leases..

//// (there was no insurance or whatever ////
HDB flats mortgagees are by compulsion, covered by CPF Home Protection Scheme which will pay up all outstanding loans upon death of the mortgagee.

////so the house did not go to the family with 4 children, oldest was only 17 when the father died.////
the wife?

////my poor suffering wife who have chosen the incapable man for years & my poor suffering kids born of the wrong father.////

the word “incapable” caught my attention.
instead of loading you with more “how shitty life is in SG stuff”, which is not gonna be helpful to you, I thought viewing this video may be more helpful for you

http://www.youtube.com/watch?v=Cpc-t-Uwv1I&feature=related

If you look at it in another way, you are a landlord. Reaping passive income from your wise investment.
Time is the essence of life, use your time you have wisely, don’t just wait to kick the bucket.

As I live in a four-room flat and that I am alone then I can rent out three rooms and I just sleep in the living room. I just collect the rental and it can be up to 350 Sing dollars per month for a room.

I am old and cannot get a job and so I keep the place clean and I am also the jaga of my little property.

I just wait to kick the bucket and I am nearly 70.

Take it easy man….you don’t need to feel so down….sometimes, life feels shitty….but there will be better days ahead. Think positive.
Cheers

I know a family, the father worked in the Army as a regular for 22 years. They sold their 2nd flat arond 1998 and moved into another one, Cashed In, nonetheless.

Since he was still employed by the Army the HDB did not require much cash payment. Then he fell sick, the Army retrenched him and after afew years he died. (there was no insurance or whatever so the house did not go to the family with 4 children, oldest was only 17 when the father died.

The HDB flat was repossed after 2 years, of the father’s death…..now(in 2008) they all 5 of them, have to squeeze into a one room rental flat, provided by the HDB.

I don’t know how Singapore’s Public System or civil service works….i wonder at times…is it there to milk the public or assist them, especially the naive and ignorant ones. It is a pity, if you make 1 wromg move in this country…You Get Screwed Over, but it becomes an Honest Mistake when “they” do it.

Be reminded that two months of salary of minister is enough for them to buy a good HDB flat. No wonder the minister says that HDB flat is affordable !!!!!!!!!! Make sure you people remind them durling election rally. Hold the placard and banner high up with message “Thank PAP for affordable Housing which cost only 2 months of minister’s salary ! Long Live PAP !!”

Elbowed out of the competition in the technical job market by the cheaply paid foreign technicians, working as a armed security guard only to earn a rock bottom basic pay & my OT pay makan by the complex contract guidelines set by the corporate foreign “talents”. Scraping through a contract bond with a low salary. Despite the corporation is so called “government owned.”

Marriage on the rocks due to rising expenses plus poor financial situation. Living life with empty eyes with nothing much to look forward to except the insurance claims when I kick the bucket,maybe it will relieve my poor suffering wife who have chosen the incapable man for years & my poor suffering kids born of the wrong father.

Good work LKY & the puppet son. The country has prospered. The investors & the foreign talents are here to stay. You are on your highway to achieving your goals. I may salute you in my uniform but you will never earn my respect. As long as I am alive, I will look forward to the day to spit at your grave together with the thousands of people whom you called citizens.