另一个主动的计划是我们已经建议的社会计划里推行理财计划（Dollars and Sense programme）
由我们的陈钦亮先生（Mr Tan Kin Lian）领导的理财计划（Dollars and Sense programme）将能够协助您们预先策划好这个问题。您们不可能找到像陈钦亮先生所领导这样专业的团队。他是金融服务消费人士协会主席和前全国职总英康保险总裁。
我们的理财计划（Dollars and Sense programme）将为您们提供理财方面的指导，协助那些已经面对经济困难的人。与此同时，我将为被裁退的工人提供一个裁退保险的长期计划。以下是我们的裁退保险计划的建议：
不久前，一个名叫Phan Pang Chia先生写了一封信给《今日报》（the Today newspaper,）。他指出了，公积金局通知他的妻子，在64时，可以开始从公积金户头里每月领出一笔现款。公积金局补说，在她的退休户头的结存足于让领取63年。Phan Pang Chia先生问，为什么政府要让他的妻子的公积金胡退休户头的钱延长到128岁，在新加坡寿命最长的也只不过是115岁啊！
在另一份由里昂证券亚洲信贷（Credit Lyonaise Securities Asia）发出的研究报告说，他们发现在新加坡有50%的家庭只有极少的储蓄。 这些家庭是依靠薪金赖以生存的。他们引述说，他们是无法面对任何不可预测的经济开支的。
很少人会提出关于公积金问题和我们的国家储备。但是，有一个专家是专门研究主权财富基金的。他是来自北京大学克里斯教授（Professor Chris Balding）。
假设有任何情况发生了，不论您们是富人或者穷人，或者您们是居住在The Jade公寓或者 The Dew公寓，或者是住在大牌210A，我们和整个国家的经济都将付诸东流。
例如，我将宣布，你要在武吉巴督开始进行一项学生学习计划（a student mentorship programme）。我怀疑和这类似于我们的创业者计划（Pathfinder programme）。我仍然是欢迎的。假设我无法获选去实施这个计划。我将期待你去实施这个计划，因为最终，我所关心的是武吉巴督的青年人能够获得这样的关注
在过去几个星期，我与您们许多人都见过面了。我与您们交谈过。我们互相欢笑过，我们还通过唱过《真打拼》（福建创作歌曲《Ji Pa Ban》）。不论您们是华人、或者马来人、或者印度人、或者是欧亚籍人，您们都对我表示支持。我为此感到骄傲。
我的孩子会长大的，他们会了解这一切有关别人在报章和电视媒体指责他的父亲的事。我要告诉我的三个孩子An Lyn, E Lyn and Shaw Hur：
As long and as hard as the struggle has been,I walk with my head held high
DR. Chee’s speech in SDP Rally (3 May 2016)
Hello Bukit Batok, hello Singapore, a very good evening to all you of here at the industrial Park in Bukit Batok and to the thousands more who are watching this rally online.
We’re into the seventh day of the by-election and more than a month since we started the campaign to spread the message of building a better town here in Bukit Batok. The schedule has been punishing but we’re feeling very excited and upbeat as we head into the last stretch of the campaign.
Tonight, I want to elaborate a little more on our programme Hearts for Bukit Batok which I talked about at the last rally and which I believe will greatly benefit the residents of the town.
Bukit Batok is a mature estate with a large segment of its population made up of the elderly. Nowadays, however, the elderly in Singapore are going through a very tough time.
There has been steady increase in the number of older people committing suicide. In 2000, 79 seniors committed suicide. In 2010, the number jumped to 95. In 2014, 126 elderly people killed themselves – and increase on 60% from 2000. In other words, I elderly Singaporean commits suicide every three days.
Last month, the Straits Times reported that the elderly are increasingly afraid of dying alone with nobody knowing. An 85-year-old man saying: “I am alone, and there is no one to take care of me. Two of my neighbours died and people found out only because of the smell. I don’t want the same thing to happen to me. I’m in my old age already, and when I die, I want someone to know.”
Social workers say this problem will only get worse. Many of these problems are created by PAP policies.
For example, some elderly people are forced to downgrade their flats so that they can get income. The problem is that when they do that they often have to uproot from their community which they may have lived in for decades and move to an entirely new neigbourhood. They could be displaced from their families and friends and for the elderly this is very traumatic. Does this government really understand the plight of our elderly?
There have been two elderly suicides just in the four weeks since our campaign started in Bukit Batok. These have not been reported. We found these out as we were walking the ground.
Why does it have to be this way? Why do our elderly have to live such kinds of misery and die, or worse, kill themselves, in loneliness and fear?
Mr Murali says he wants to focus of the poor and the elderly. Hang on a minute. If Mr Murali says he’s been here for 16 years, then why is he expressing concern about the elderly poor only in the last six weeks when the by-election was called?
Surely he could have done something for the poor and elderly here in Bukit Batok in the time that he says he’s been here.
The truth is that there’s very little he can do about the plight of the elderly because it is the policies of his party that has caused our elderly to live such miserable lives.
This must change. We must take better care of our elderly. We must raise the quality of life for our eldelrly folk – starting with our residents here in Bukit Batok. As your MP, I will see to it that our older folks get the life and the respect they require and deserve.
Ah Peh, ah um, pakcik, macik, when you were young you worked just as hard if not harder than any of us and you contributed to our nation’s development just like us. When you become old, your government cannot just put you to one side. The PAP cannot treat you like tissue paper, use you and then throw you away after it uses you.
No, we must take care of our elderly better if only because one day we all will become old ourselves. I will tackle this issue on two fronts, first as I explained earlier, we will implement our initiative Hearts for Bukit Batok and raise awareness among the residents to help the elderly poor in our constituency.
And it’s not just money that we’re talking about. It’s the quality of life, the day-to-day existence that the elderly go through that needs to be considered too. They need interaction and activity, both physical and mental, to keep themselves healthy and mobile. We will be organising programmes and getting the help of volunteers through our Hearts for BB programme such as bingo nights, mahjong mornings, gardening and so on. These activities will help to fill the lives of our older residents and give them something to look forward to when they wake up every morning.
Second, I will raise this issue in Parliament and I will raise this issue in Parliament again and again and again and agian until the government increases the budget for assistance for our elderly and provide more care for elderly Singaporeans.
I want you, our elderly residents, to lead a full life and not have to constantly worry about who is going to take care of you. You need to lead more independent lives instead of having to rely on your children for support. They have their own young children to look after and cannot afford to look after two generations in the family. The government must do its part.
As your MP, I will do my part to push for programmes that will pay more attention to your needs.
One of the big attractions of our Hearts for Bukit Batok programme is to facilitate residents in the constituency adopting a family from the lower income group of which there are many scattered throughout the town.
Now you may think that this programme is to help the needy. Yes, but that’s only one part of it. It is also to help families who provide the assistance, that is, the givers.
I’m a strong believer in the adage “It is better to give than to receive” and I am sure that there are many of you who feel the same way. When we give, we reinforce that idea that we are one in this world.
This is why in whatever religion we practice, to whichever faith we subscribe be it Buddhism, Christianity, Islam, Hinduism and so on, we are called to serve by helping those especially the weak and poor among us. This is the core tenet of many religious teachings. It is what makes us human. Humans are often selfish. But we can also be capable of much kindness and compassion. Whether we orientate towards selfishness or selflessness depends very much on leaders of the community. If the MP in Bukit Batok can foster and cultivate a community that emphasizes on giving and helping those around us, then I believe that this will be the beginning something special, something we can be truly proud of as a community.
I want the residents and community for Bukit Batok, to adopt a different attitude and outlook. I want to be the enabler, the facilitator of a more compassionate, more giving society. I believe the MP can be that spark to ignite the generosity of spirit latent in all of us. I want to be such an MP.
Another initiative that we have proposed in our social programme is the Dollars and Sense project.。
Retrenchments are coming thick and fast with the economic downturn. It’s going to get worse, much worse, ladies and gentlemen. What happens when you get retrenched? And I’m not just talking about our lower-wage workers, I’m talking about our Professionals and Managers and Engineers and Technicians too.
Ask our shipyard workers, our factory managers, our shop sales staff as our ship industry are rocked by the oil price crash, our factories relocate and our shops in our shopping malls close down one by one. I don’t care if your a sales assistant or the sales manager – when the economy is as bad as it is now, your job is not safe.
And when you find yourself layed-off what do you do? What do you do when you’re called in to your bosses office and told that you don’t have to come in tomorrow because your company is downsizing?
How do you prepare yourself and your family for such a scenario? Your income all of a sudden dries up but you still have to pay your housing loan, your children’s school expenses, your PUB bill, and buy food for your family?
Unexpected lay-offs cause severe strain on the entire family with serious social repercussions. Even though income stops, the bills don’t.
Our Dollars and Sense programme headed by Mr Tan Kin Lian will be able to help you plan ahead. You can’t find a more qualified profesional to head our team because Mr Tan is currently the President of the Financial Services Consumer Association and former CEO of NTUC Income.
Dollars and Sense will be in programme to provide financial guidance to help those of you who find yourselves in financial difficulties. In addition and for the longer term, I will push for the retrenchment insurance scheme for our retrenched workers. Here’s what we propose:
If a worker is retrenched, the scheme pays him/her 75% of last drawn salary for 1st 6 months, 50% for 2nd 6 months, and 25% for final 6 months.
The payout stops once the individual is re-employed or 18 months after retrenchment.
The payout is capped at the prevailing median wage (which is about $4,000 a month). In other words, a retrenched employee earning $3,200/month would be paid $2,400 for the first 6 months, $1,600 for the second 6 months and $800 for the final 6 months. But an employee who earns $10,000 a month, will received $3,000 for the first 6 months, $2,000 a month for the second 6 months and $1,000 a month for the final 6 months
The Ministry of Manpower will assist the retrenched individual to seek re-employment and help match his/her skill- and salary-level to new job where possible.
The individual can reject only up to 3 job offers.
Such a scheme is meant to help provide temporary and limited assistance to retrenched workers to tide them through the difficult time until they find another job. Employees, while you are still working, pay a small amount each month which will be deducted from your CPF and the government will foot the remainder of the bill.
The PAP says that such a scheme would breed a welfare state mentality and bankrupt our economy. This is not true because leading global economic powerhouses like Germany and the Scandinavian countries all have such retrenchment schemes. Asian economies like Japan, South korea, Taiwan, and Hong Kong also have retrenchment insurance policies. Do any of these economies look like welfare states to you?
We can take the best practices of these economies and adapt them for Singapore.
Even economists at the Insitute of Policy Studies and NTU and even PAP MPs agree with our proposal to introduce such a scheme. If elected I will continue to push for this policy to help retrenched workers.
Mr Murali says he prefers to focus on helping you find re-employment. Yes, I know, I want that too but he is not the Minister of Trade and Industry or Minister of Manpower. In fact, it is his party that is not creating jobs for Singaporeans.
In all of last year, the government created only 100 – yes, you heard that right – 100 jobs for citizens and permanent residents. That means, voters of Bukit Batok, only one job was created per constituency throughout Singapore. How many of you here in Bukit Batok think you’re going to fight for that one job if and when you are retrenched?
Mr Lee Hsien Loong, in his May Day Rally on Sunday, said that the PAP’s system is better. He said: “So why not take advantage of the schemes – paid for by the Government – to get yourself employed instead of staying unemployed? Please support us and upgrade yourself, make yourself employable.” Yes, and we all live happily ever after. The End.
“Please upgrade yourself and make yourself employable.” Now why didn’t we all think of that? You mean we just paid him $2.4 million a year to Mr Lee so that he can tell us to upgrade ourselves and make ourselves employable?
I can hear Singaporeans say: Who dunno? Lid dat I oso can, what.
If you create only one hundred jobs a year and thousands are retrenched, then no matter how you upgrade yourselves what are the chances of you finding re-employment.
And the PAP continues with its foreign workers policy. We keep upgrading ourselves and the government keeps bringing in foreign workers who may not necessarily have better skills but who are cheaper. How do we compete like this?
Ladies and gentlemen, you may still have a job now but you never know when you are going to get retrenched. Don’t wait until you get called in and told that you have been layed-off before you start thinking about having someone to fight for retrenchment benefits for you. By then, it’s be too late.
If elected I will work with WP MPs and even PAP MPs who want to see retrenchment entitilements for workers. Why not? When we are elected we are elected to serve the people and MPs should work together for the good of the people instead of constantly bickering whether we belong to this party or that party. I will propose a retrenchment insurance scheme bill and I will work with fellow MPs to try to pass the bill.
My friends, what I have just told you is something that you must listen carefully because this affects you if you are studying now and entering the job market soon. Or if you are parents with children who are about to graduate, I ask you all to listen carefully because this will affect your children’s lives.
If you vote for the wrong person and for the wrong reason and he goes into Parliament and does not, will not speak up on this issue, your future is in much, much trouble. This is a by-election and it’s the perfect opportunity to send me into parliament to speak up for you and your children or your grandchildren on this issue.
Even for those of you who remain employed, how sure are you that you will be able to retire?
A few weeks ago, I was at the coffee shop in Blk 207 and talking to a retiree. He was retrenched because of the crash in oil prices and couldn’t get back his CPF savings because of the Minimum Sum Scheme. He said he went to see Mr David Ong but there was nothing the MP could do for him.
Recently, there was a Mr Phan Pang Chia who wrote a letter to the Today newspaper, pointing out that the CPF Board had informed his wife that she would be able to start withdrawing a monthly payout from her CPF accountr when she hits 64. The CPF added that with her Retirement Account balance can last her another 64 years. Mr Phan asked the government why would his wife need her Retirement Account to last until the age of 128, when the oldest ever Singaporean was 115 years old?
This is the kind of unthinking government that we have, if you want to be generous. But if you want to be suspicious, then you would have to ask whether the government is withholding our CPF money because it doesn’t have enough funds to pay us all back because of its failed investments.
A few weeks ago the Hong Kong and Shanghai Bank released a study which said that the cost of living makes Singapore one of the toughest countries to retire in. Nearly half of Singaporean pre-retirees say they would not be able to retire in the next 5 years. The global average is only 38 percent – Singapore is 50 percent. 30 percent say that they will never be able to retire fully – 30 percent – compared with 18 percent globally.
Respondents said the problem is the lack of savings or the burden of having dependents to look after. The head of HSBC said that the financial realities make retirement impossible for Singaporeans.
And yet, because of the CPF scheme we are the biggest savers in the world in terms of our retirement. How is it that despite this, we still don’t have enough to retire on?
What went wrong? I’ll tell you what went wrong.
The government has driven us to use our CPF money to buy HDB flats. It then jacks up HDB prices so that we have to use more and more of your CPF to buy our homes. Now what once belonged to you in your CPF account has gone to the government.
The government then takes these funds and goes around the world to invest them. With hundreds of billions of dollars at its disposal, the world will roll out the red carpet. But remember, this is not the government’s money, its your money.
This has left Singaporeans with little disposable income for our retirement. And the little that we have left after paying off our flats, the governmenmt now retains it under the Minimum Sum Scheme and tells us that it will return it to us in bits and pieces.
In another study, this one by Credit Lyonaise Securities Asia, it was found that 50 percent of households in Singapore have little or no savings. These families subsist from paycheck to paycheck and QUOTE leave them unable to cope with unexpected financial expenses. UNQUOTE
If a mishap should befall you, you and your family are but one major medical bill away from financial ruin. Accidents, as you know, can happen anytime to anyone.
Very few people have asked the necessary questions about our CPF money and our reserves. But there is one expert who studies what sovereign wealth funds do. His name is Chris Balding – Professor Chris Balding – from Peking University.
Singapore’s sovereign wealth funds are GIC and Temasek Holdings. GIC is chaired by PM Lee Hsien Loong and Temasek is run by his wife, Mdm Ho Ching.
Professor Balding has pointed out three problem areas with our sovereign wealth funds, in particular Temasek. The first is that Temasek Holdings says that its average annual return is 16% for 40 years.
The problem is that Singapore’s global stock returns average only 8% or less during this time. How does Temasek make such a claim?
Second, Singapore has become one of the most indebted countries in the world. This is despite the government telling us that it runs large surpluses on a regular basis. Professor Balding examined the publicly available data and concludes that there is about $800 billion that is unaccounted for from historical surpluses and financing operations and when the claimed interest is factored in.
Third, Professor Balding says that the returns claimed by Temasek and GIC cannot be reconciled.
I know it’s hard to follow all these financial terms and figures and, frankly, you don’t have to. What you have to understand is that this it is enormously important that we know what is happening to our reserves because a large part of this is our CPF funds.
If anything happens to these reserves I don’t care our rich or how poor you are, whether you live in The Jade or The Dew or in Blk 210A, you and I and the whole of our economy and our country is going to go down the drain.
As it is, we don’t know what is going on with our CPF reserves. But we do know one thing – the government continues to not want to return us back our savings by raising the minimum sum which the government will retain even after we retire. And then it keeps raising our retirement age from 62 to 65 and it’ll soon be 67. The CPF withdrawal age ill go up too.
Do we even know what is happening to our reserves. Has the government incurred hue losses in failed investments and cannot pay us back and then come up wth a scheme to retain our money? Remember, the CPF money is our money. The PAP is not doing us a favour by giving it back to us. We are entitled to get back our savings.
Get me into Parliament to find out what is going on with our reserves. I will call for the accounts to be made public and for a team of experts to comb through the numbers to see why there is all this uncertainty in the claims made by the GIC and Temasek Holdings.
We cannot remain so uninformed about the state of our reserves. The PAP is already the government, now is the time to put in Parliament someone who will ask the tough questions, the right questions on your behalf.
The other day, a lady resident asked me what plans are there for the middle-class. We have plans for the poor and the elderly but nothing for the sandwiched class.
My response to her is that the best proposal I can give her is to fight for retrenchment benefits for her if she gets retrenched and to free up her CPF savings for her retirement.
Now ask yourself this one important question: Do you think Mr Murali, if he is elected, is going to go to Parliament and question his party bosses these questions about the GIC, and Temasek and to fight to have your CPF savings returned to you and for retrenchment benefits for you?
Dear voters of Bukit Batok, these are serious matters that affect not just you but your children as well. You make the wrong choice and elect the wrong person, and when things start to happen, you will find that you won’t have anyone to speak up for you in Parliament. While you have this opportunity, make the right choice.
The PAP tells you that I have a bad character and that you shouldn’t vote for me. That’s all they have been saying for the past several days. One by one, the ministers have popped up to take shots at me, every single one of them attacking me very personally and very viciously.
But I don’t care. Unlike the PAP, I want to appeal to the good sense and good hearts of you, the Bukit Batok voters. I don’t want to see politics being so poisonous. I’ve see how it can ruin countries and if we continue down this path, we will tear our country apart.
If I have to play so dirty, to be so destructive and tear down my opponent so badly in order to win, then no, leave me out of it. Then I don’t want to win. As I said before, if I win, I want to win with honour, if I lose I want to lose with grace.
On Saturday, no matter who wins, I want to wish all the residents in Bukit Batok the very best. You deserve nothing less. If you choose Mr Murali as your MP, I will respect your wishes and I will continue to serve you in whatever way I can.
I’ll give you an example of what we mean by having the Bukit Batok’s residents at heart. and on this I want to address Mr Murali directly.
For example, you just announced that you want to start a student mentorship programme for Bukit Batok. Even though it sounds suspiciously similar to our Pathfinder programme, I welcome it. If I don’t get elected and you do, then I look forward to you implementing this programme because at the end of the day, my foremost concern is that the youth in Bukit Batok get the kind of attention they need.
And regarding personal attacks, right from the word go when I learned that you were going to be the PAP candidate, I accorded you my utmost respect. I did it not because you were a lawyer or because you were rich or because you are the chairman of a PAP branch. I did it because you are a fellow human being.
I have asked my colleagues in the SDP not to attack you and your person, and I think we have kept our word. But sadly, even though Mr Tharman gave us his promise, your party colleagues have broken the promise repeatedly.
They have attacked me in the most personal and vicious of ways, even resorting to using made up newspaper headlines.
Even though I may not agree with you and your political views I’ve asked – and ensured – that our campaign does not attack you personally. I ask that you do the same with your campaign and ask Lee Hsien Loong, Goh Chok Tong, Halimah Yacob, Tan Chuan Jin, Grace Fu and others to stop engaging in such dirty politics.
I’m in charge of my campaign. If you are in charge of yours, you will ask your colleagues to stop their nonsense, and just as I have made sure that the SDP’s campaign remains clean and focused on what Bukit Batok residents care about, please ensure that yours does the same.
I say this because I want to use this opportunity to appeal to the best side of our people. Politiics can be used to divide or it can be used to unite us. As leaders, we have the responsibility to ensure that we use politics for the good of our nation.
I ask the PAP to have foresight, don’t win the battle in Bukit Batok but lose the war for Singapore. Our country cannot afford that divisiveness.
I have only seen you, my friends in Bukit Batok, as my friend, my fellow citizen whom I want to help and speak up for. If you support me, it is because I am someone who has earned your support, someone who has worked for 25 years to earn your trust. Not someone who can buy your vote, not someone who can give you more and more of what you want, and certainly not someone who feels entitled to be your MP.
In the past weeks, I have met many of you. I have chatted with you, I have laughed with you, and I have even sung Ji Pa Ban with you. Whether you are Chinese or Malay or Indian or Eurasian, many of you have expressed your support for me and I am grateful.
I have shaken your hands and you have looked into my eyes and say you support me. It’s not because you see me as Chinese or Malay or Indian, it’s because you see me as someone who cares about what happens to you and what happens to Singapore – regardless of the colour of my skin or yours.
You support me because you see me as someone who wasn’t just here 6 weeks ago but someone who started this journey 25 years ago, someone who stumbled many times along the way, was knocked down many times, but got up each and every time and pressed on. You saw someone who was so tired and weary during many parts of the journey and who was so tempted to give up but never did.
You see me not as a hero but as an ordinary guy who like lives like you in a 3-room HDB flat, who goes through what you are going through and because of this also see someone who understands – really understands – what you mean when you say you are hurting and that you want someone to speak up for you.
The PAP continues to attack my character. They’ve called me all sorts of names: cheat, liar, gangster, traitor, psychopath, they’ve sacked me, jailed me, sued me and made me bankrupt. But I’m still standing.
The taunts, the insults, the punishments, the attacks have been unrelenting. But I do not bow to those who mock me nor will I bend to those who attack me. I will not kneel before them because one cannot stand up for one’s principles, for one’s beliefs and for one’s people on bended knees.
As long and as hard as the struggle has been, I walk with my head held high. I can do this because it doesn’t matter who the PAP says I am. What matters is God knows who I am, my wife and my children know who I am, and, most important, I know who I am.
And because that which does not kill you, makes you stronger, I have grown stronger with every attack.
As my children get older they begin to understand what’s being said about their father in the newspapers and on TV. I want to tell them this.
An Lyn, E Lyn and Shaw Hur, as you watch this rally at home, I want to tell you that there are many things in life that I want to teach you as a father. But the most important lesson that I can impart to you is that we don’t ruin others in order to rise up, we don’t step on others dreams in order to fulfill ours, and we don’t ridicule others for not being like us.
Instead, we lift up our friends, we extend a hand to strangers and we forgive our enemies. We do what is good so that others may see the goodness in our hearts and want for themselves what they see in us. That is character. I want you never to forget this lesson.
My friends, don’t vote for Mr Murali because you believe what his colleagues say about me. Or don’t vote for me for me because I am Chinese. Vote for me because you have met me, because you have talked to me. Vote for because you know who I am. Because you are proud of me.
I want you to be proud of your MP, to say with pride that I’m from Bukit Batok and Chee Soon Juan is my MP not because I’m smarter or richer or more powerful but because you know that you have a friend, someone who cares about what happens to you and someone you know who stands by you and struggles with you and wakes up everyday to fight for you.
Thank you and good night.
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