Showing posts with label Informative. Show all posts
Showing posts with label Informative. Show all posts

Thursday, January 12, 2017

Don't overburden escalators by walking on them

[I had this in Draft for a few weeks. then this letter in defence of his "right" to use the escalator as an assisted "Stair Master" appeared yesterday. But here's the background - an earlier letter and a researched article.]

Here’s why ST forum letter about not walking on escalators may actually be a logical one

December 21, 2016
TL;DR walking on the escalator is wearing it out, and is also a potential safety hazard. 
Guan Zhen Tan
We are pretty familiar with the onslaught of outrageous forum letters sent to The Straits Times.
However, a forum letter that received some traction on Dec. 21, and subsequently panned, might actually be, for once, quite logical.
In case you haven’t seen it, ST’s letter online is titled, “Don’t overburden escalators by walking on them”.
On hindsight, this sounds like yet another classic case of Singaporeans grumbling to the mainstream press for nothing. 

Wednesday, August 10, 2016

Depositors have no say in banks' business activities

Aug 10 2016

I am surprised by Mr Christopher Tang Wai Leng's view that DBS Bank owes depositors an explanation for its loan losses ("DBS must explain Swiber debacle"; last Saturday).

Yes, in classic banking theory, banks lend out their customers' deposits, so if there is a big loan loss, a bank could fold and it is possible that customers won't be able to get their deposits back. However, this theory is long out of date.

A bank is a corporate entity separate from its customers (both depositors and borrowers).

As long as customers can get their deposits back with the agreed interest, which is still the case with DBS, depositors have no say in the business activities of the bank.

Banks have capital, profits and reserves, their own borrowing ability, and even a possible government bailout, with which to first fund losses (well before getting to deposits).

If anyone, it is the bank's shareholders who deserve, or have a right to ask for, an explanation, certainly not its depositors or other customers.

Gerard de Vaz

Friday, August 15, 2014

Is Singapore a Winner Take All Society?

[Two letters and an editorial piece. If you're here to read my usual rant, apologies. This will be a... calmer post. Partly because the issue is an important one. We'll start backwards. I read the original article by Lydia Lim (it's the second article in the link). Thought about it, but left it simmering at the back of my mind. I missed the letter supporting her article. Then I saw this "rebuttal":]


Jul 03, 2014

S'pore has never been winner-take-all society

SINCE when has Singapore ever been a winner-take-all society ("Engage now for a more equitable society" by Dr Edmund Lam; last Saturday)?

Even well before the recent shift to "left of centre", Singapore's brand of capitalism was far more benign than the United States' or even Hong Kong's version.

The HDB provided roofs over most Singaporeans' heads, with mortgage payments pegged at sustainable portions of their monthly incomes.

Schools provided virtually free education. No pupil was denied the education he deserved because of financial difficulties, and the ablest from the humblest backgrounds got to study at Oxbridge on the state's account.

No one was left dying in the street because he had no insurance, and no government hospital delayed an urgent costly operation because of doubts over the patient's ability to pay.

Have winners now taken all in Singapore?

If that had happened, newly married couples would not be buying HDB flats (and making a profit five years later), but renting from winners-turned-landlords for years on end.

Winners' children, instead of having to ace the Primary School Leaving Examination, would just be a donation cheque away from the secondary schools of their choice.

And winners would be treated in private hospitals that would have cornered the best doctors and equipment, condemning the rest to inferior public hospitals with third-rate doctors and outdated equipment.

The Government, while allowing meritocracy to create wealth, has not hesitated to transfer wealth from the successful to the less successful. Such transfers have been growing in recent years.

It is dangerous to focus on what the successful can have that the less successful cannot have, instead of what the less successful can have compared to any reasonable benchmark.

The bell curve naturally separates the successful from the rest, so the only way to give similar rewards to both the successful and less successful is to level down the former, but this will not help the latter.

For us to stay together as a community, wealth transfer from the successful to the less successful is essential.

But instead of targeting some pre-determined income gap or Gini coefficient, such transfers must aim at ensuring that the least successful among us live healthy, productive and dignified lives based on a reasonable benchmark, with opportunities for advancement open to them if they apply themselves to the fullest.

A fair and just society is not one in which no one can live better than his neighbour. Such social resentment, which some commentators appear to be encouraging, will bring Singapore to its knees.

Cheng Shoong Tat

Jun 28, 2014

[I get the sense of at least mild impatience at the "liberal-minded", but generally, the above echoes the position of the govt generally, and possibly many if not most Singaporeans. 

However, I note his assertion that there are "opportunities for advancement... if they apply themselves to the fullest." 

This is similar to the quote attributed to S. Rajaratnam: "Everyone can be rich if they try hard."

This would suggest though, that if you are not rich, you didn't try hard enough.

So then, why should we transfer wealth to the less successful? Obviously they are less successful because they didn't try hard enough, that they didn't "apply themselves to the fullest". And if so, why should we transfer wealth to you, you lazy bum?

That is the inconsistency in his argument.]


Engage now for a more equitable society


I CANNOT agree more with political editor Lydia Lim on the need to change our social and cultural values so that we can limit the adverse effect of meritocracy turning Singapore into a winner-take-all society ("Long-term task to fix winner-take-all mindset"; Sunday).

We need meritocracy to spur success. It was the economic model since our nation's independence 49 years ago.

But to evolve into a winner-take-all society is utterly bad for national unity.

It leads to a divisive population and reduces trust in government.

It is one in which there is superior financial advantage for those at the top but if you are second or further down the hierarchy, you get nothing comparable, however good.

Having benefited from meritocracy, I was enlightened by Occupy Wall Street - the protest movement in New York that brought to light some of the social ills of unabated American capitalism, such as the widening income gap and stunted social mobility.

[Note: He seems to equate Meritocracy with Capitalism (unabated or otherwise. Bated?). BUT, he has not defined either, nor has he implicitly or explicitly explained how meritocracy equal capitalism. ]

Singapore's Gini coefficient - a measure of income inequality - is among the highest in the world, so there is every cause for concern.

While we should not stoke class resentments, rational dialogue among the top-echelon citizens should begin sooner rather than later. More data and research are needed so that discussions can be more productive - beyond rhetoric.

[Note: "class resentments". Together with the out of left field jibe at "capitalism", I am suspicious of this shadow communist! :-). But I can agree to get beyond rhetoric.]

When convinced, I believe more affluent Singaporeans are prepared to make adjustments for a more equitable society.

We can explore how to further improve our economic mechanisms to distribute wealth more fairly.

Edmund Lam (Dr)


[One line from Lydia Lim's opinion piece was that we:

"...live in a meritocracy which has to date stressed that the talented deserve to be richly rewarded for their efforts."
That on the face of it seems reasonable. But I have found that as I grow older, I have started to ask, "and what does the flip side of that mean?"

If success is the reward for the talented, the able, the hardworking, the deserving, then the flip side of it is that failure is the outcome for the talentless, the incapable, the lazy, and the undeserving.

And that is the Just World Belief working its way into our psyche.

Think about it. When you see a poor person, do you think, "poor guy, he has been so unlucky in life. Let me give him a little something to make his life less miserable."

Or do you think, "Get a job!"

I am always impressed by people who give to the poor. Their hearts are untainted.

Me? I think "Get a job!" and suspect that they are part of a begging syndicate. I have grown cynical. My heart is tainted.

If you click on the link in "Just World Belief", it will take you to an article about Meritocracy. And this conclusion:
In short, Meritocracy has the following flaws or negative effects:
First it engenders a Just World Belief. It leads people to judge "failures" or "unsuccessful" people as "meriting" their lower status, their poorer status... if you subscribe to meritocracy, you intuitively believe that "Everyone can be rich if they try hard." And the corollary to that is, "if you're not rich, you did not try hard enough". Or is not good enough. And so you deserved to be poor, to be unsuccessful.
Secondly, it justifies class differences. Singaporeans then become a "stratified" society that justifies Social Strata with meritocracy, and the Just World Belief. That is, not only are there "high-class" and "low-class" people in Singapore, but these classes were determined not by some unfair caste system or hereditary status, but by the VERY FAIR meritocratic system.
Thirdly, Singaporeans [well, most Singaporeans] become very hardhearted, judgmental, punitive, unsympathetic, and justify their attitude with Meritocracy and their Just World Belief.
The other point in the article is that there is often an element of luck in Success, but having succeeded we do not like to believe that we were just lucky. We reframe the narrative of our success such that it was an inevitable success. Destiny even.

But there is an element of luck in almost all success stories. And we should remind ourselves, that meritocracy or not, we had also been lucky.

Watch the Youtube video of Michael Lewis at the graduation ceremony. It is enlightening. If you don't have 13 minutes to spare, watch from 6:13 and watch for about a minute. Then if that piques your interest and you can watch from the start. 


The first writer (the shadow Communist) has a point though. Although "Welfare" is a dirty word in SG, the SG govt does provide some welfare. The question is, should SG provide more welfare? 

Then there's Thomas Piketty's hypothesis that Capitalism inherently favours the Capitalists (this sounds a lot more obvious when stated this way)]




Thursday, October 3, 2013

A German's lifelong love affair with S'pore

Oct 03, 2013

Among the birthday wishes Mr Lee Kuan Yew received for his 90th birthday was this letter from accountant Stefanie Tuczek, 51, of Germany. This is an edited excerpt.




[This is not an ST Forum Page letter, but it is a letter. So I put it here.]

DEAR Mr Lee,

I am from Munich, Germany. My first time in Singapore was in 1978 when our family was on our way to Australia. (My father was a physicist and he was about to spend a working semester there.) I had my 16th birthday in Singapore and I instantly fell in love with your island. Although we travelled around the world and we visited many places such as Hong Kong, Sydney, Hawaii and Tahiti, Singapore always remained my favourite.

In retrospect, I think Singapore Airlines was partly responsible for that: I still remember when my father told us that he booked our flights with some "obscure" airline because they were the cheapest. Nobody knew SIA at that time, at least not in Europe.

From the moment we boarded the plane in Frankfurt, we were thrilled. It took me two more weeks and two more SIA flights before I actually came to Singapore, but I knew right from the beginning that a country with such an exceptional airline must be something special.

[Bravo SIA! But some travellers have felt that SIA standards have fallen. Or rather, not kept up with other airlines. Can't rest on 35-year-old laurels.]

In 1991, I had a brief stopover in Singapore and saw that the Singapore River was cleaned up and not that filthy water I used to know. What an achievement. I could hardly believe my eyes!

In 1998, my mother and I planned to spend a vacation in Batam. We thought it would be nice to combine an Indonesian island close to Singapore which would give us two weeks at a beach and one week in Singapore.

Being back in Singapore was awesome: the clean river and all the new or restored buildings, the MRT, Changi Airport.

Soon we took the ferry for a day trip to Batam to look for a hotel for the beach vacation. But after my mother's passport was stolen, we spent the rest of the day oscillating between the local police station and the immigration at the harbour. It was really hard work to get back to the ferry to Singapore without a passport and without bribing anybody. But when we finally made it, we really appreciated the Singaporean immigration office: nice people, no chaos, no bribes, rules and regulations which were followed strictly! I loved this place even more.

The next day, my mother got a new passport from the German embassy. But we had made up our minds not to leave. Singapore was a safe haven in the middle of strange worlds.

[And that is our selling point. For the less adventurous, for those who want safety and comfort when they travel, Singapore is it.]

And we had a great time. We even went to the beach in Sentosa. In 1978, we just had a cable car ride and we couldn't find proper places to swim.

Since 2000, we have always combined our vacations in Vietnam, Shanghai or Malaysia with Singapore. But the time we spent in Singapore became longer and longer. Now, it is only Singapore. Once or twice a year, we come back for a few weeks. There is always something new.

I tried to learn more about this stunning development. Your memoir, From Third World To First, is definitely one of my favourite books.

Most of my German friends cannot understand why I always go to Singapore. In their opinion it is a police state with corporal punishment and absurd laws, such as no chewing gum and no littering. I gave up arguing with them. Over here it seems quite often that the authorities believe that people will behave without the threat of corporal punishment, which of course doesn't work.

And they make fun of Singaporean campaigns to educate the people. But I never understood what is bad about that. I still remember the signs back in 1978 in public buses - "Courtesy is our way of life." I liked that, it gives you a good feeling.

Or the reminder "Use it, don't lose it" for the Chinese not to forget their native language. Sometimes I ask my Singaporean friends to write some sentences in Chinese characters on my postcards. At first I was surprised how many couldn't do this properly.

They were surprised that I wanted these sentences to impress my friends back home. They couldn't imagine that angmohs are fascinated with the Chinese language. It's so easy to learn it as a child but it's just as easy to forget it as a grown-up. So sad.

Singaporeans are also astonished that I spend so much time in their country. Many think that everything in Germany must be a lot better. I once praised the toilets in MRT stations. The reply was: "OK-lah. But I suppose they are much better in Germany!" Unfortunately I had to answer that if there is a subway toilet, it is either filthy or closed because of vandalism.

I think in both countries many younger people take the status quo for granted and don't consider the hard work done to achieve this level.

Anyway, this is just a story of somebody from Europe who loves your country a lot, and who is well aware that all these great developments happened thanks to you. I wish we had wise politicians like you in Europe, but I know that this will never happen.

I look forward to November when I will have the great pleasure again to spend four divine weeks in Singapore. I wish you a very happy birthday and I hope that you will be Singapore's mastermind for many more years!

Alles Gute fur Sie und Ihre Familie (All the best for you and your family).

http://www.singapolitics.sg/views/germans-lifelong-love-affair-spore




Wednesday, December 15, 2010

Picture perfect harmony

Dec 15, 2010

(From left) Rabbi Mordechai Abergel, Venerable Fa Rong and Syed Isa sharing a light moment at an event to honour the mufti with the Inter-Religious Organisation award. -- ST FILE PHOTO

I AM an American living in Indonesia and over the past 30 years, have made dozens of trips to Singapore.

The Prime News photograph yesterday (above) of Rabbi Mordechai Abergel, Buddhist monk the Venerable Fa Rong and Mufti Syed Isa Mohamed Semait nearly moved me to tears ('Tributes flow as mufti gets award').

I wish my native country as a whole could demonstrate the religious tolerance that Singapore has been able to cultivate.

Certainly there are good, tolerant people everywhere, and the United States has many who think like I do.

But in Singapore, it is the norm, and immediately observable everywhere you go. On a daily basis, I see Christian, Muslim and Hindu office workers sharing a meal at a kopitiam (coffee shop), exchanging smiles or pleasantries on the street or otherwise kindly extending help to one another.

In all my trips here, I have not once witnessed religion-fuelled hostility or prejudice.

My travels have taken me to all corners of the world, yet I have never found a country that comes even close to the religious and spiritual maturity that Singaporeans demonstrate towards one another.

Many letters complain about life in Singapore, but from an outsider's perspective, what a beautifully pluralistic and enviable society Singapore has.

In many ways, and especially in their tolerance for one another, Singaporeans are a beacon to the world.

Jack Blaylock

[Cynical Singaporeans will immediately jump on this and say how much of this may be posed photo-ops and how the facade may not reflect the truth. Certainly I feel a little discomfited to hear the writer say that we have spiritual maturity.

Well, maybe that might not be the correct phrase, but I think I understand what he means. Maybe we are not 100% honest, or sincere. Maybe we do harbour little niggling resentment or disdain for other faiths, but at least we have enough respect to show tolerance, and enough understanding to show mutual respect, and enough courtesy to keep our less flattering opinions to ourselves.

A little courtesy goes a long way. Respecting boundaries and agreeing to live and let live is the way to go forward.

So yes, compared to many other countries, Singapore has it a lot better and has a lesson for many other countries.]

Update: 12 Mar 2011.
A video in support of the letter writer. A muslim tries to pray while Christians taunt and mock him. So different from Egypt where Christians protected the Muslims when they prayed from pro-Mubarak forces trying to break up the protesters in Tahrir Square.

Update: Mar 22, 2011

Florida pastor burns Quran
GAINESVILLE (FLORIDA): A controversial American evangelical preacher on Sunday oversaw the burning of a copy of the Quran in a small Florida church after finding the Muslim holy book 'guilty' of crimes.
The burning was carried out by pastor Wayne Sapp under the supervision of pastor Terry Jones, who last September drew sweeping condemnation over his plan to ignite a pile of Qurans on the anniversary of the Sept 11, 2001 terrorist attacks.
Sunday's event was presented as a trial in which the Quran was found 'guilty' and 'executed'. The jury deliberated for about eight minutes.
The holy book, which had been soaking for an hour in kerosene, was put in a metal tray in the centre of the church, and Mr Sapp started the fire with a barbecue lighter. The book burned for around 10 minutes while some onlookers posed for photos.
Mr Jones had drawn trenchant condemnation from many people, including top US leaders, over his plan to burn the Qurans last September.
He did not carry out his plan then and vowed he never would, saying he had made his point.
But this time, he said he had been 'trying to give the Muslim world an opportunity to defend their book', but did not receive any answer. He said he felt that he could not have a real trial without a real punishment.
While there were public protests against Mr Jones' Sept 11 activities, this event was largely ignored. The event was open to the public, but fewer than 30 people attended.
Ms Jadwiga Schatz, who came to show support for Mr Jones, expressed concern that Islam was growing in Europe. 'These people, for me, are like monsters,' she said. 'I hate these people.'
AGENCE FRANCE-PRESSE

Sunday, December 5, 2010

Supplementary Retirement Scheme works best for the rich

Dec 5, 2010

I refer to the article, 'Saving a little today will go a long way' (Nov14), which shows how the Supplementary Retirement Scheme (SRS) helps taxpayers save on taxes.

SRS works best for high-income earners. For the rest of us, the savings are uncertain and the scheme can even result in some paying more taxes, as I will explain.

SRS contributions are tax-free up to $11,475 per year, but only for money that goes in. Unlike the Central Provident Fund, you must pay taxes - on half the money - when it comes out. Withdrawals are over a 10-year period beginning at the statutory retirement age, which is now 62.

Why does SRS sometimes result in little or no tax savings? There are two key reasons.

First, the article explains that withdrawals before age 62 entail a 5per cent penalty plus taxes on 100 per cent of the money withdrawn, which 'includes whatever capital gains you might have made from your investments using your SRS funds'.

Actually, non-early withdrawals also entail a capital gain tax. SRS also taxes dividends and interest. All of these are normally tax-free.

Second, the article says: 'For a person with a taxable income of $100,000, a $10,000 contribution works out to him paying $1,400 less tax based on current tax rates.'

Yes, but that is only one side of it. It's the tax savings when you put money in. How about when you take the money out? Could you pay even more taxes then?

Yes. Suppose $10,000 per year goes into the SRS from age 22. At 7per cent interest, it will grow to $2million by age 62 and one would withdraw roughly $200,000 per year for 10 years and pay taxes on half, which is $100,000 per year.

[If you're making $100k at age 22. I think that qualifies as rich.If you can consistently get 7% interest for 40 years, you are incredibly savvy investor. This is about what the highly risky mini-Bonds were offering. Now either 7% returns incurs that kind of risk, or the mini-Bonds were wrongly assessed in terms of risk. But at this point there are few investments that can steadily offer that kind of returns. And if you can withdraw $200k per year for your retirement out of a nest egg of $2m, I think you rank in the well-off if not rich category. Most likely, a 22 year old will not be making enough to contribute to the SRS. There are too many discretionary expenditure at that stage in life. Even at 35, most people may not have the means to save to the SRS consistently. But never mind.]

It incurs total taxes of $7,100 x 10 years = $71,000, which exceeds $1,400 x 40 years = $56,000 in tax savings.

[I don't know how he arrives at $7,100 taxes per year for 10 years, but for a so-called financially-savvy adviser, he totally ignores concepts of present values and future values. Put another way: Would you agree to have $56k now which you don't have to repay for 40 years, and at the end of 40 years, you will pay back $71k in fixed installments of 10 years. Ok, that's not exactly fair either. It should be $1,400 per year for 40 years, after which you pay back $7,100 per year for 10 years. Note that this $71,000 is based on his computation that said saver/investor will turn $400,000 to $2m over 40 years based on an investment return of 7%. I suspect that the figure will work out to less than that for most people because they will save for less than 40 years, and their returns will be less than 7%. ]

Why? The reason comes back to SRS taxing your capital gains, dividends and interest income.

In general, SRS works best for the rich. It offers a good chance of paying lower taxes if your tax bracket is (i) high when the money goes in, (ii) low when it comes out and (iii) if you invest late in life in low-yield securities, such as bonds.

Larry Haverkamp

[I usually like his analysis of financial and investment issues, but this is just biased and unrealistic. Perhaps he has an agenda - people are foregoing investing with him in order to squirrel away their savings in SRS? I don't know.

A rebuttal of sorts below.]


Dec 19, 2010

Why SRS accounts are a good way to save

While some dispute benefits of supplementary retirement scheme, it's possible to enjoy good return on investments

Around this time of the year as the annual bonus payout approaches, I find myself promoting a little-known savings programme known as the supplementary retirement scheme (SRS).

This is a scheme established in 2001 to complement the Central Provident Fund (CPF), which allows a saver to put up to $11,475 a year into a special account that can be opened at DBS Bank, OCBC Bank or United Overseas Bank and enjoy a tax relief on his contribution.

As Singaporeans live longer and healthier lives, relying solely on their CPF to keep them comfortably retired during their golden years may not be sufficient, especially if a big chunk of it is used to service monthly housing instalments.

What SRS offers as an incentive to savers is the tax savings they get from the money they put away into an SRS account.

Let me explain.

If you have a taxable income of $100,000 and you put away $10,000 into your SRS account, you can enjoy savings of $1,400 on your income tax bill the following year.

It is a tidy sum not to sneeze at, especially if you have the discipline to keep squirrelling away the same sum into your SRS account every year.

After 10 years, you will reap considerable savings of $14,000 on your income tax and that is not including any interest or investment returns which you might have earned from those savings.

After reaching the mandatory retirement age - now fixed at 62 - you can withdraw up to $40,000 tax-free from your SRS a year.

This works out to a maximum tax-free sum of $400,000, as SRS withdrawals can be staggered over a period of 10 years after retirement.

Data furnished by the Government shows that the effort to popularise the SRS is slowly bearing fruit.

Between 2007 and last year, the number of SRS account holders jumped by 12,322 - or 30 per cent - to 53,656, as more Singaporeans learnt about the scheme and decided to sign up.

This is a significant improvement over earlier years when the number of account openings languished at a sluggish pace.

Still, this number is a far cry from the 400,000-odd taxpayers, earning more than $60,000 a year, and who may reap some tax savings by putting some money into an SRS account.

When a saver squirrels away some money into an SRS account, he does not need to keep it locked up in a cash deposit. He can use the money in the SRS account to buy unit trusts, insurance policies or even stocks listed on the Singapore Exchange.

But the few times I had written to raise public awareness of the SRS, I received feedback from a few disgruntled readers who disputed the benefits it bestowed on the ordinary saver.

One reader noted that there was a 5 per cent penalty charge for early withdrawal. The sum withdrawn would also be treated as part of his taxable income for that year.

Doesn't this smack of a disguised capital gains tax, he asked.

There was another reader who griped that the SRS was useless for savers who were not interested in buying financial products from banks.

'If you already plan to buy things like unit trusts from that pretty girl in the bank, you can consider putting money into SRS, enjoy some tax savings and make her very happy for closing the sale and getting a commission out of it,' he wrote.

A third reader raised the intriguing possibility that a successful investor may actually end up footing an even bigger tax bill on the monies he withdraws from his SRS account after retirement.

While not disputing the merits of the points they raised, I can use only my experience as an SRS account-holder to point out some of the benefits.

I have been diligently putting money into my SRS account every year since its inception.

Going through the SRS data furnished by the Government, this decision is hardly surprising. I belong to the age group, between 36 and 55 years, which form 70 per cent of all SRS contributors.

In general, wage-earners in this age group would have a steady job and a steady income, with some cash to spare - after servicing their home mortgages and car loans.

After 10 years, I can attest to the considerable sum I reaped on the tax savings I enjoyed from the SRS contributions.

The incremental benefits add up. The total tax savings that I received over the past decade were sufficient for me to make the maximum SRS contribution of $11,475 for this year - and still have cash left over.

And unlike some SRS account holders who complain that they are lured into buying unsuitable insurance policies or financial products, I am glad to report that my experience has, so far, been a happy one.

In my 10 years of putting money into my SRS account, I have never once been pursued by an insurance agent or financial adviser on how to invest the funds.

Partly, this is because I know how I want to invest the money. That is surely the maxim which any investor should apply on all his investments, and not simply those related to SRS.

As I have no intention of making any premature withdrawal from my SRS account prior to retirement and attracting the 5 per cent penalty charge, I can afford to take a long-term view on selecting the investments. This has served me well.

My SRS account now has a couple of blue chips that were accumulated when they fell to attractive levels during the 2003 Sars crisis and the more recent global financial crisis two years ago.

I am also perfectly happy to keep the SRS contributions parked in cash in some years when I could not find any stocks worth my while to invest in.

Despite the market upheavals over the years, I have enjoyed an annual return of 12 per cent on my SRS investments. All in, my SRS account has outperformed the benchmark Straits Times Index in the past decade.

But unless I enjoy an extraordinary stroke of good luck in my investments, it is unlikely that I would ever hit the $400,000 tax-free savings ceiling limit for the SRS account by the time I retire.

I believe that this is an experience which most SRS savers are likely to share, since they keep their SRS monies in ultra-safe investments like blue chips, bonds and insurance products.

For us, the benefits in having an SRS account are obvious.

What is needed is for the scheme to be given a makeover like a catchy name change to attract more savers to its fold.

engyeow@sph.com.sg


Friday, November 19, 2010

Off-peak car licence system inadequate

Nov 20, 2010

I WOULD like to share my experience with the electronic day (e-Day) licence for off-peak cars (OPC).

As an OPC user, I have consistently purchased e-Day licences before midnight as required by the authorities.

I received a notice of offence for driving my car during restricted hours more than three months after the alleged offence. I checked online for my historical e-Day licence purchases but the system provided only one month's worth of historical data.

I have written an appeal for leniency and forwarded some questions about the system to the Land Transport Authority (LTA) but have not received any response for more than a month, despite repeated reminders. I have since paid the fine to avoid any further ordeal.

My experience has led me to question the efficiency of LTA in handling feedback from the public, as well as the efficacy of the e-Day licence system and its adequacy in providing information to the public to verify e-Day licence purchases.

Sim Lai Yong

[A refreshingly simple, concise, non-whining, reasonable letter about data availability and system processes.]

Tuesday, July 14, 2009

Water conservation tax hard to swallow

July 15, 2009

I REFER to last Saturday's letter ('Need for water conservation tax') by Mr Chan Yoon Kum, assistant chief executive of national water agency PUB, in response to my letter ('Shouldn't we pay less for consuming water?') on July 8.

Mr Chan did not address the crux of my question, which was this: After many decades of conscientiously and successfully pursuing water conservation measures, is it necessary to continue using a hefty pricing mechanism to penalise consumers for some incremental reduction?

What is the ideal limit of water consumption in our hot and humid climate without compromising basic hygiene that would convince the PUB to remove the water conservation tax and waterborne fees?

According to a study in 2003, 'The water issue between Singapore and Malaysia: No solution in sight?', by Dr Lee Poh Onn, a Fellow of the Institute of Southeast Asian Studies, Singapore produced 1.3 million cubic m of water per day. The PUB revealed that by last year, the daily capacity had increased to more than 1.4 million cubic m, of which domestic households consumed half and the rest was sold for commercial revenues.

The report quoted that our raw water processing cost was 25.3 cents per cubic m. Dr Lee summarised the production cost of imported water at 26 cents, Newater at 39 cents and desalination water at 78 cents (exchange rate of S$1 to RM$2.08 in 2003).

By 2011, the PUB will be producing 1.33 million cubic m of water (0.68 million cubic m from catchments, 0.4 million cubic m from desalination and 0.25 million cubic m of Newater).

Based on the 2003 study, the average cost would be 41.5 cents per cubic m. With a 20 per cent increase, the cost is about 50 cents per cubic m.

There is hardly any justification for responsible consumers to pay $2.21 per cubic m of water quoting Mr Chan's example. The water tariff in Johor Baru is 36 cents (90 Malaysian sen), while that in Hong Kong is HK$4.15 (80 Singapore cents) per cubic m.

Is it logical or reasonable for Singaporeans to pay over four times the recovery cost of drinking water - a basic human need?

While it is laudable that Singapore proudly and unselfishly helps solve the water dilemma by sharing its drinking water technology with the world, the country's citizens should also share the benefits of Singapore's water success.

It took us a long time to get to where we are now; where we are self-sufficient with less imported water if needed on a sustainable basis.

Tax revenues and sanitary fees should cover the maintenance cost of the sanitation system. Hence, the water conservation tax and waterborne fees have lost their intended purposes. They can only become an extra burden on citizens.

Paul Chan


[Lots of facts and figures. Save for reference. Basic flaw in argument: reducing price would encourage water use and water wastage. So prices have to stay at current rate.]

Friday, March 27, 2009

Dense Cities

March 25, 2009
THE ST INTERVIEW

Pack them in, build them up

A 6.5m population is fine. Dense cities thrive by attracting smart people

By Tan Hui Yee

IF YOU feel uneasy about the fact that Singapore is gearing up for a population of 6.5 million, Professor Edward Glaeser has this to say: You've nothing to worry about.

'Density is underrated and undervalued and the pleasures of density are in fact quite remarkable,' he declares.

'Living with 6.5 million people doesn't mean you necessarily have less private living space. There is absolutely nothing unhealthy about having lots of tall skyscrapers and people walking around between them. Not only is it good urban policy, it is a good environmental policy as well.'

If urban density ever needed a salesman, it would be Prof Glaeser.

The 41-year-old economist at Harvard University made his name studying what made cities tick.

In Singapore earlier this month to give a talk at the Civil Service College, he stressed that cities survive and thrive by constantly reinventing themselves, which is only possible if there are enough 'smart people' present to generate a creative buzz.

His view is shared by urban theorist Richard Florida, who famously argued that a 'creative class' of talented professionals flocks to vibrant global cities for work and lifestyle opportunities and in turn contributes to their growth.

Except, both men differ on what constitutes talent.

Dr Florida's idea of a skilled worker, Prof Glaeser says half in jest, 'is a 28- year-old who wears a black turtleneck' and frequents coffee houses.

'My model of a skilled worker is that 42-year-old biotechnology worker who has a husband and two kids and is trying to live a decent life.

'Those lead you to very different views of what the fight for talent is all about. Florida thinks you need a lot of coffee houses, and I think you need good schools and safe streets and fast commutes. And I'm pretty sure I'm right.'

If he is, Singapore - seen as clean, safe and sterile - is in a good position.

Cities, he says, need the right kind of buzz to bring them forward. 'The things that people define as what makes a city buzz, a lot of them have to do with public spaces and restaurants and bars and cafes. But I don't think it's at the heart of what makes cities well-functioning and successful. It's a mistake to think that the buzz is just the number of pages that you read in Time Out magazine.'

Take the buzzing research triangle in North Carolina in the United States, home to companies like IBM Corporation.

'It may not be the hippest area to spend a Saturday night but there sure is a heck of lot of new innovations going on. A lot of Silicon Valley is pretty boring from the perspective of an urban hipster. But in terms of what really matters, there's a lot of buzz there.'

To maintain what he refers to as an intellectual edge, he says Singapore needs to constantly expose itself to cutting- edge ideas and have a sizeable pool of skilled workers.

Asked what skills are valued in the context of recurring discussions over the value of an arts degree versus a science degree here, he says: 'Studying Shakespeare does not make up for innumeracy. It certainly does enrich our lives. The more prosperous a country is, the larger the role of arts.'

He points out that a recent study on the effect of mandated science and maths curricula in American schools found that they improved the earnings of the less advantaged significantly. 'It suggests that forcing the school to teach maths and science ended up being very good for them.'

The arts, he says, is 'a bit of a luxury good'. 'If you told people of my great- grandfather's generation that a thriving arts scene was going to determine which city you were going to go to, they would have thought you were mad.

''Can I put bread on the table?' and 'Would we be shot?' - those would have been the primary issues that would have driven people two generations ago.'

A small country like Singapore, with a four million population, he says, need not worry that its size will disqualify it from the big league as long as it has enough quality and diverse talent.

'The question is more an issue of the high human capital people you have, how many potential entrepreneurs you have, how much diversity there is, rather than the actual body count. You can add on an extra five million unskilled labour and it is not going to make a difference to your ability to innovate.'

But primarily, he maintains that cities should serve people's needs rather than exist for their own sake.

In 2005, he wrote an article against the rebuilding of New Orleans after it was destroyed by Hurricane Katrina, saying that its residents were better off getting money to rebuild their lives elsewhere if they wished. The city, he said, had been declining way before the hurricane hit, and it was not doing a good job of looking after its poor residents either.

Putting people first means getting rid of unnecessary rules that make business and housing unaffordable. From his studies of New York and Boston over the past 30 to 40 years, he contends that the cities' recent surge in home prices is more a result of tightening building regulations, rather than anything else.

Logically, if there is enough supply of homes, housing prices will converge around the cost of building that next floor up. In places where land is scarce - like Singapore - height restrictions act as a dampener on housing supply.

Although the demand for housing reflects the attractiveness of a city, its ability to produce enough affordable housing to meet that demand is 'a sign of urban health'. He notes in some parts of the US, 'it feels as if every neighbour has gotten the right to say no to every project'. In suburbs, it is all about zoning and minimum lot size. In cities, it is about maximum heights.

He is quick to admit that his model applies to cities where housing is supplied by the market. The fact that more than 80 per cent of Singaporeans live in public housing makes it trickier to apply here, but he ventures: 'I think you want to think of how well you are delivering pleasant affordable housing. The Government has played such a heavy role in housing, not inappropriately so, that I think the ability of the private sector to deliver cheap affordable housing is potentially not as strong as it could be.'

Not only does density make housing affordable, he says it is also sustainable. 'Crowding more people on less land is fundamentally good for the environment. Partly because people have lower transportation costs, live in smaller homes, and use less energy.'

A 2008 US study he did found that the carbon footprint of the people who choose to live 'close to nature', surrounded by woods or lawns, was higher than that of city folk. 'If you want to be good to the environment, stay away from it,' he advocates.

Density is also exciting. 'Chicago's lakefront has grown and strengthened the city. The high-rise buildings in Boston have been associated with an increasing vitality in that city's downtown. Philadelphia only recently broke its height restriction, and the high rises there have been able to support more stores and night life.'

If he had it his way, all cities would be planned around actual human dynamics rather than according to preconceived notions of what they should look like.

During his walks around Singapore, he noted that its hot, humid climate keeps people off the streets in the day.

'There's a huge amount of pedestrian traffic but it's indoors. It's all in the air- conditioned malls, which is really where the street life is. That means connections between those malls are actually what city planning needs,' he prescribes.

Still, by any standard, Singapore has a lot going for it. 'The density levels are remarkable...if you love the ability of cities to bring people together and experience a collective world, there's a lot to admire there.'

tanhy@sph.com.sg


March 27, 2009

Thriving density? Be wary of potential pitfalls


I REFER to the report on Wednesday, 'Pack them in, build them up'. Professor Edward Glaeser of Harvard University suggests that a population of 6.5 million in a densely built-up city could give Singapore a thriving density attractive to 'smart people' who would generate new jobs and a 'creative buzz'. In turn, this buzz would spur new growth, making Singapore an even better place to live and work, for natives and foreigners alike.

On this rosy feedback cycle, seemingly loaded with an infinite chain of goods, I suggest caution: Beware of possible pitfalls of this model.

The first lies in the possibility of overcrowding. Beyond the obvious speculations of ever more crowded hawker centres, trains and roads, a thriving density cannot be automatically assumed, even with a 6.5 million population on an island as small as Singapore. A thriving density must be deliberately encouraged and designed, or it will turn into overcrowding. A thriving density is the result of people interacting with other people, people wanting to interact with other people; while overcrowding is by default, people brushing by other people.

A thriving density fosters social understanding and productive interaction, culminating in greater social solidarity. On the other hand, overcrowding exacerbates alienation and unproductive competitiveness, consequently turning into open conflict.

Common sense tells us that, while skyscrapers may provide the vertical solution to the problem of overcrowding, they are least ideal to foster a thriving density, since vertical use of skyscrapers via elevators tends to compartmentalise lives, minimise social interaction and reduce chance meetings.

The second pitfall lies in the unqualified emphasis on 'smart people'. No one would deny that Bernard Madoff or the many Wall Street financial wizards who have exacerbated the current financial crisis are 'smart people', or part of the creative class. Yet 'smartness' or creativity without morality, scruples or responsibility - as the current crisis has demonstrated - is a liability rather than a benefit to society.

From what is happening in the world today, being satisfied with a mere 'creative buzz' is likely to alarm many, while trying to foster a 'moral creative buzz' is likely to reassure, and intuitively attract post-financial crisis workers, investors and citizens.

This model of a densely built up, creative city growing on its own dynamics is nevertheless very seductive. But as with any other model to be pursued on a practical level, one should be wary of its potential pitfalls.

Jeffrey Chan


[I take two issues with this forum letter.

'No one will deny that Bernard Madoff and (others)... are "Smart People"'

I would disagree that Madoff was smart. He had no exit strategy. Cheating does not require smarts. just audacity. Pretending to create value and actually creating value are two different things. One just requires the ability to lie. The other requires ability.

The other reason I included this letter is the argument that skyscrapers or highrise living dampens social interaction. Or is not conducive to social interaction. That is probably very true. It is the common space or shared space that leads to interaction. See this online comment:]

Has the professor stayed in a 2 bed room Hong Kong apartment of 350 sq. ft.?

The master bed-room is able to accommodate a 4ft wide "queen" bed and a 2 door wardrobe with barely enough space to walk. The second room is exactly the size of two single beds. You can touch the opposite walls of the kitchen with outstretched hands.

Some apartment blocks are so close to each other that you can touch them with a bamboo pole.

Staying in such an apartment will make you realise why Hong Kong has such a vibrant night life? Hong Kongers youth only go home to sleep and spend the evenings in shopping centers, restuarants etc.

I don't want this kind of life because you are tired everyday and spend your income on "enforced entertainment".

Posted by: hubhubhub at Fri Mar 27 12:52:07 SGT 2009

[The next article is an example of forum replies that don't read original articles properly and fill in the blanks with their own assumptions.]

March 27, 2009

Who wants a densely packed Singapore?


I REFER to Wednesday's article, 'Pack them in, build them up'.

I am both shocked and dismayed by Professor Edward Glaeser's short-sighted and highly flawed opinion that a population of 6.5 million would be essentially beneficial for Singapore. His notion that there is nothing unhealthy about living in skyscrapers does not take into consideration the many Singaporeans who wish Singapore would lose its tag as a concrete jungle and focus on creating a city with more 'green spaces'.

[So who's calling Singapore a "concrete jungle"? If anything, we're called "Garden City" or "City in a Garden". Compare Singapore with other cities and then it becomes clear what is a "concrete jungle".]

He also welcomes the addition of more 'smart people', whom he defined as a typical man in his 40s with children, without considering whether these individuals would be able to assimilate into Singapore culture with no accompanying problems which are already plaguing many immigrants here.

[First two mistake. Glaeser's "skilled worker" (he didn't say "smart people") is a 42-yr-old biotech worker with a HUSBAND. So no. It's not a typical MAN.]

He also mentioned that a city with high density would also serve people's needs but he has conveniently forgotten that the basic human need of privacy, comfort and space would be severely compromised in public spaces if the population hit 6.5 million.

As it is, many of my peers have expressed a sincere wish to emigrate, not because of the high cost of living or the stressful lifestyle. It is primarily because they are appalled by how Singapore has been transformed into a city where it is difficult to find a seat on the MRT on a weekday afternoon, or seek peace and solace even in the suburbs, when Sembawang Mall is now as crowded as Plaza Singapura. Homes are getting smaller and more expensive, and people feel blessed to secure a seat in a foodcourt at any time of the day.

Prof Glaeser also claimed that packing individuals close together in smaller homes would reduce transport costs and energy usage, but this is overly simplistic and short-sighted. There is every possibility that smaller homes may use more energy if more time is spent on home entertainment.

[Third error. Glaeser talked about packing more people on less LAND. Nothing about smaller homes. Here the writer is filling in the blanks with his (or her - Robin could be a man or woman's name) own preconceptions or concerns. Theoretically, the same size unit built to more floors would increase density, without need to decrease size per unit. Unit size decrease when land costs increases while height restrictions are in place. Then it becomes necessary to shrink unit size to affordable ranges. Also as lifestyle changes, less space is required. And people are willing to make do with smaller units.]

Prof Glaeser's view that a city with high population density would reduce transport cost is also problematic as recent research shows that individuals living in residential zones which are overly crowded have a higher tendency to travel out of their residential area to seek leisure arenas that are 'less congested' and where they are 'less scrutinised' than in flats built in close proximity to each other.

[Doesn't say which research or on what city or the context or the circumstances. But even if true, the frequency of a daily commute from suburbia to the city to work would mean more costs than living in the city and going off to the suburbs on the weekends for recreation. In other words if you need to go to the office 5 days a week, and the golf course 1 day a week, where should you be living closer to? Does it make more sense to live within walking distance of your office or your golf course? If you say golf course, you have your priorities wrong... unless you are a professional golfer.]

Prof Glaeser's comments are certainly not representative of most Singaporeans who seriously wish for a less crowded living environment.

Robin Chee

[I personally think Orchard and the shopping districts are just too crowded. So i avoid those places. I haven't been to an IT/PC/COMEX/SITEX for over a year as I detest the crowds. But apparently thousands of Singaporeans don't mind. So I'm not sure that while Singaporeans may voice their preference of open spaces, they would really want that. There is a cost to a smaller population in terms of convenience. In less dense cities, public transport is less frequent (tho less crowded). You may do more walking. Or else you'd buy a car, or a bike. If Singaporeans want less crowded places, they won't be rushing down to Orchard, Suntec, Vivocity and their heartland malls.]



Tuesday, December 30, 2008

Problem dogs: 30-year veteran shares his experience

Dec 31, 2008

I REFER to Mr Gabriel Chua's online letter on Monday ('Kampung boy bitten by unprovoked dog'), on his unfortunate experience in being bitten by a tiny dog without provocation. Mr Chua is justified in stating that Ms Jasmine Tan's theory is an excessive generalisation.

Mr Bill Koehler, chief animal trainer at Walt Disney Studios for more than 21 years, wrote in his book, The Koehler Method Of Dog Training, that there are several types of dogs that bite:

- The Protest Biter

- The Real Hood

- The Overly Possessive Dog

- The Chase-Happy Dog

- The Sneak Biter

Mr Chua's bad experience comes under The Sneak Biter. This is the type that lurks in its lair behind a bush or under a table, ready to glide out and nip a human that its imagination has changed into a tiger. A lot is due to its owner's warped sense of responsibility in allowing it to bite people, giving the excuse that it does not understand, that it is just a baby - even when it has turned into a full-grown monster.

Let me share my 30 years of professional experience in rehabilitating some of these problem dogs.

I was helping a friend move some furniture when I noticed a neighbour had an unusually large dog. I was curious and asked her what breed it was. Throughout our conversation, the dog was jumping up and down, trying to clear the gate and bite me. The neighbour said the dog had completed its training in Germany and could sit down, come forward and stay when commanded. I told her the dog had been taught exercises and not 'obedience'.

She later admitted the dog was out of control when she and her husband took it for walks. It would attack any human or animal on the road. They had to wrap themselves round something strong like a lamp post to prevent the dog from biting an innocent passer-by.

The owner engaged my services, and after five days of intensive training on a neutral ground, I gave her a demonstration by placing the dog on a down-stay stance in a busy pavement in Holland Village. The owner and her maid observed it from a nearby fast-food restaurant. People of all shapes and sizes walked past the dog, which remained relaxed in the same position. The owner was very pleased with the result. Later at her house, I showed her how to correct the dog should it misbehave, before handing it back.

The moment the dog entered the gate, it became aggressive and wanted to bite me. I told the owner to use the 'throw chain' and tag the dog's behind. Instead of tagging it, she quietly dropped the throw chain to the ground and said: 'He's my baby and I don't want to hurt him.' The throw chain is an effective piece of equipment I had used to teach her dog to behave.

For the record, I asked Mr Koehler whether he has ever been sued over the 140,000 dogs he supervised in training. He assured me: 'No.'

You can't teach old dogs new tricks

Mr Boey was a retired agriculturist who suffered from high blood pressure. His daughter went on overseas studies and left her six-year-old German shepherd behind. Mr Boey called me after his dog tried to attack another in a park. His dog had a history of terrorising other dogs in the neighbourhood. So fierce was its reputation that neighbours' dogs would retreat into their homes when Mr Boey's dog was taken out to exercise.

When Mr Boey and his dog joined me for a lesson, the first thing it did when it approached the training ground was to charge at the nearest dog. It was chaotic trying to get the class started. So explaining to the class what needed to be done, I told Mr Boey to put his dog on the choke chain correctly, hook onto the longe-line and head forward to the dog 10m in front of him. I specifically reminded Mr Boey he was to continue moving forward and not look back. When I tapped him on the shoulder, he would hand me the loop of the longe-line and keep walking forward.

Mr Boey's German shepherd saw what it thought was an easy target. With the dog lunging forward, and Mr Boey struggling and trying to hold it, I moved towards him and took over the longe-line. With the momentary slackness of the 8m longe-line, I opened and closed my palm, and with a quick about-turn, I headed in the opposite direction. Before the dog could recover from the impact of opposite momentum, I again took him towards the same target. The moment the longe-line tightened as the dog charged, I again dropped the longe-line and headed in the opposite direction. The dog then realised that, the greater the temptation, the more it needed to keep its eyes on me, the handler. We continued the class without trouble and the German shepherd graduated from the novice class in the 10th week off-leash.

Leashing a dog in public just minimises its chance of misbehaviour. It does not address the issue of behaving responsibly and being under control at all times and in all conditions. It is impractical to leash a dog 24 hours a day. It must be made to understand that it must not leave the home unless told to.

Harry Quek

[Every now and again, someone with true expertise writes into the forum page and justifies the existence of the section.]

Thursday, December 18, 2008

Buses move more people

Dec 19, 2008
ON THE ROAD

I REFER to Mr Jatin Doktor's letter last Friday, 'Cars or buses - which move more people?'

Mr Doktor estimated the capacity of a road lane at 6,389 cars per hour along Upper Bukit Timah Road, which would move up to 9,583 people per hour per lane. This was then compared with the bus lane carrying some 5,200 bus passengers per hour.

In fact, based on Mr Doktor's assumptions of car spacing (average car length of 4.5m and three body length spacing between cars) and a travel speed of 23kmh, there would be a total of 1,278 cars passing a specific point every hour along one lane of road. This is the throughput capacity of the road lane.

Unfortunately, Mr Doktor appears to have made an error by multiplying by five, arriving at 6,389 cars per hour, on account of the 5km length of Upper Bukit Timah Road.

The length of the road lane has no effect on the throughput capacity, in the same way that the length of a water pipe does not increase the flow rate of water through the pipe.

Our monitoring of traffic along Upper Bukit Timah Road during the morning peak hours shows that the throughput is about 1,500 vehicles per lane per hour. If we take the average number of people carried by a car to be 1.5 and that carried by a single- deck bus to be 80, it would work out to about 5,000 passengers per hour on the bus lane, compared with 2,250 passengers by car on a normal road lane.

Hence, bus lanes better utilise our limited road space and favour more people.

The bus lane scheme is one of a series of initiatives to improve bus commuters' overall journey experience. Bottlenecks at congested stretches of roads would delay the travel of not only on-board passengers, but also commuters further downstream in terms of unreliable waiting time.

With more bus priority measures, buses can keep to their schedules better, and bus commuters can enjoy faster and smoother journeys. Given our land constraints, we need to strike a balance in meeting the needs of different groups of road users.

We seek public understanding and support for our efforts in improving the travel experience of all road users and we thank Mr Doktor for the opportunity to clarify.

Geoffrey Lim
Deputy Director Media Relations
Land Transport Authority

[If you like math, you'll love to try to understand this reply. This is a good reply. But not all will understand.]

Saturday, December 6, 2008

Singapore remained a functioning port: After fall of Temasek in 14th century

Dec 6, 2008

IN HIS letter on Monday, 'Sleepy fishing village? Singapore a sizeable port of regional significance in 14th century', Mr Gilles Massot, replying to Mr Tan Yip Meng ('Back to the future, a sleepy fishing village', Nov 25), invoked my name and expertise. Mr Massot referred to a short paper I prepared for the colloquium The Makers And Keepers Of Singapore History at the Asia Research Institute on Nov 10. As the letter to the Forum touches on the history of pre-Raffles Singapore and is of considerable interest to the public, I would like to clarify my position on a few points.

The first concerns Stamford Raffles. Mr Massot accuses Raffles of spreading lies. While I fully concur that there are a number of problematic and historically challenging aspects relating to the Van Braam treaty of 1784, its impact on the Johor-Riau-Lingga Empire, and implicitly the legal status of Singapore island, I veer to the side of caution and surmise that Raffles simply did not know any better. For sure, he was insanely hostile to the Dutch cause, but he was also completely ignorant of Singapura's fate and history between the late 15th and early 18th century.

This leads us to the issue of Singapura's protracted decline. Mr Massot is absolutely correct to highlight that there are non-English language sources of European provenance worth consulting. These lend support to the view that Singapura had a sizeable and functioning port well beyond the 'fall' of Temasek. Over the past decade, I have published a series of papers to advance precisely this point. The public should know that the Florentine merchant-traveller Giovanni da Empoli wrote his last will and testament while anchored in the 'port of Singapura'. That was in the year 1517. Several officers' logs of the early Dutch voyages to the East Indies mention the Singapore Strait, and describe in considerable detail their passage through the narrow channel that separates present-day Sentosa and HarbourFront. Vice-Admiral Pietersz van Enkhuysen mentions in his log the 'town' of Singapore in an entry dating from 1603. The most comprehensive and detailed testimony, however, derives from the Spanish-language materials of Jacques de Coutre. In several memorials addressed to the King of Spain, de Coutre recommends the construction of one fortification each on Singapore and Sentosa, and a third on what appears to be the north shore of Pulau Tekong Besar. De Coutre also makes reference to the town he calls Shabandaria, because this was the site of the shabandar or harbour master. This can be additionally corroborated on the basis of Portuguese cartography dating from the early 17th century. De Coutre's ship anchored in the port of Singapura in 1594 and he also told the King of Spain it was 'one of the best that serves all of the Indies'. All this hardly squares with the image of a sleepy seafront kampung.

There are, of course, other sources as well, but it must be immediately added that European authors are not always clear what they are talking about. About a decade ago, I consulted some letters by Francis Xavier, the famed 16th-century Jesuit and missionary. He makes references to Singapura as well, but the Jesuit refers to the narrow strait between present-day HarbourFront and Sentosa, and not the town. Now, as was evidently the case with Xavier's vessel, ships often had to anchor off the waters near Fort Siloso or in the Old Harbour of Singapore (which was located to the south of Beach Road, now under reclaimed land) to await the change of the tides and winds. Surviving reports and testimonies tell us this waiting could take days, even a week or more. There are reports mentioning scores of vessels anchored off present-day Fort Siloso waiting to pass through the Old Strait. When the wind and tide was finally favourable, ships had to pass through the strait, whether it was broad daylight or the wee hours of the morning. That is why ships often relied on local pilots to guide them though dangerous waters that were littered with submerged rocks and reefs.

Singapore's local population, we are told by many Dutch and Portuguese sources dating from the 16th and 17th centuries, and notably also by de Coutre, lived in and around the Old Strait, as well as in the town located at the mouth of the Singapore River. Few sources from this period describe the local population as 'pirates' - that label appears to date from a later period in the 18th and early 19th century. Now the local population were nothing short of clever business people, acting as pilots to guide ships though the Old Strait, or as flying vendors who pulled up in their boats alongside the passing ships to sell fresh fruit, fish, live chickens and fresh water. Some of the local residents, we are told, spoke Portuguese fluently, and after the dawn of the 17th century, also Dutch. In other words, in the 16th and early 17th century, Singapore was a pretty happening place.

Dr John Miksic, whose name Mr Massot also invokes, has published extensively on his archaeological findings in Singapore. I refer to his excellent publications and add only this observation from my own research in archives in Portugal and the Netherlands: Something seems to have happened around Singapore in the first decade of the 17th century. Dr Miksic - perhaps relying on the testimony of the 18th-century Dutch cleric Francois Valentyn - claims the Portuguese had 'destroyed' or burnt down Singapura sometime around the first decade of the 17th century. Indeed, there were Portuguese attacks on settlements up the Johor River, such as in 1587 when Paulo Lima de Pereira sacked Johor Lama, and again in 1604 or early 1605 when the Portuguese attacked the rebuilt city and other towns further upstream. Valentyn mentions a Portuguese attack in 1608. Singapura may have been burnt down by another party at another date, namely by the Acehnese in 1613, in the course of their second attack on the royal residence of Batu Sawar in 1615, or even as late as 1617 to 1618 when the Acehnese attacked positions in Pahang, Bintan and Lingga.

The Spanish armada arriving from Manila anchored off Singapore in late 1615 and early 1616, raising alarm among the Johor nobles and particularly the sultan who pressed the proverbial 'panic button' with the Dutch by requesting their prompt military assistance. An attack on Singapura made sense in any case, because we know from the log of Admiral Cornelis Matelieff de Jonge (1605 to 1608) that Singapura was the residence of the shahbandar, and this shahbandar also commanded over a sizeable 'fleet' of the Johor sultan. All this evidence hardly reflects the image of a sleepy seafront kampung.

My own extensive research on the Singapore and Malacca straits has revealed that references to the town of Singapura or the Shahbandaria diminish after about 1620. This could be linked to the periodic Acehnese attacks (Johor was at peace with Portugal at the time) and the sultan who fled to Bintan, Lingga and finally died on one of the Tambelan Islands in the early 1620s.

What is clear from all of the above is that Singapura was not in a forgotten backwater or a sleepy seafront kampung. It would be simply self-deluding to repeat the error and false conclusions of Raffles and assume that the sleepy kampung of Singapura had always been that way, at least since the fall of Temasek in the 15th century.

In conclusion, I fully concur with Mr Massot that pre-Raffles Singapore history has been quantitatively and qualitatively enriched over the past 20 years, notably also as a result of the archaeological excavations of Dr Miksic in the 1980s. The research findings from archaeological diggings and archival research are all out there, published, in the libraries, sometimes on the Internet, and in any case freely accessible to the public. But the debate over the value, meaning and significance of these published findings for the modern Singapore citizen continues.

This contribution is submitted as a private individual.

Peter Borschberg

[Then once in a while, someone intelligent, or who knows what he's talking about writes in and enlighten us all. Nice.]