Muhammad Faishal Ibrahim
Singapore
“Some of their preliminary recommendations include a hotline dedicated to support families of inmates and ex-offenders, as well as a one-stop rehabilitation hub to consolidate the MMO programmes and initiatives. (In English): Sir, MHA has enhanced the culture-responsive rehabilitation for the Indian offender population.”
“(In English): Sir, let me conclude by re-affirming our commitment to uplifting those in need, providing them with stability and empowering them to lead lives of dignity and opportunity. To make a lasting impact, we need the support from every member of the society, including all of us here in this House.”
“SCDF will also continue to disseminate advisories on AMD fires via social media and mainstream media. The Ministry of Transport's (MOT's) COS debate will further address enforcement measures against AMDs. Sir, it is incumbent upon us all to ensure a safe and secure Singapore.”
“We will continue to build a home that responds to the diverse and evolving needs of our population, a home that integrates housing with social support to empower and uplift our lower-income households and a home that allows our seniors to age gracefully and safely within the community, in our neighbourhoods and homes.”
“The HTX is developing novel NPS testing capabilities to enable this. We will also continue to collaborate with other countries to curb drug supply into Singapore. In 2023, CNB conducted 19 joint operations and investigations with foreign counterparts.”
“21 travellers missed their flights, and these affected travellers were offered to rebook on alternative flights within a week at no extra cost.”
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Every one of 324 lines we hold for Muhammad Faishal Ibrahim, in date order, each linked to its source. Free to read, in full, without an account. Page 6 of 7.
“The Minister mentioned earlier that it is 80%. In view of the economic uncertainty in the years to come, I would like to know if this 80% is sustainable. And, secondly, I would like to know what is the Ministry's target rate of home ownership among Singaporeans.”
“It is about the 80% home ownership rate which the Minister mentioned earlier. I would like to know whether this 80% is sustainable in the short and medium term, and what is the Ministry's home ownership target rate in the short and medium term.”
“I have met a few who are passive contributors who contribute a part of their monthly income when they start working without realising or understanding the real importance or impact of their contributions through MBMF. This understanding is important as with greater knowledge about the MBMF, more people will be aware of the role and significance of the MBMF and give their support. They will take ownership of the MBMF and ensure its success as the MBMF continues to support the Malay/Muslim community to aspire and excel towards a higher level of excellence. In 10 to 20 years in the future, the younger donors will form the main contributors of the MBMF and they would be more ready to support the initiatives and programmes that will contribute towards the success of the Malay/Muslim community and our nation. On this issue, I would like to ask the Minister what are his plans to sustain and enhance the contribution of the Malay/Muslim community towards the MBMF. In conclusion, I feel that the MBMF should not only be retained but strengthened. With the MBMF, the progress of the Malay/Muslim community would continue with greater rigour. At the same time, we have to ensure that the MBMF stay relevant and supported by the Malay/Muslim community. On that note, I support the Bill. *Cols. 873-874. 5.11 pm”
“Dr Maliki Osman, MP for Sembawang GRC, together with me, is co-chairing the Family Development Network under the Community Leaders' Forum. We feel that assistance and sufficient resources are needed to render effective assistance to Malay/Muslim dysfunctional families, who are largely poor families too. Our committee has visited Family Service Centres and other social organisations to further understand this issue. As a result, I further understand why we need to include the issue of dysfunctional families into the new MBMF initiatives. The programme to help dysfunctional families needs a huge boost in terms of resources, staff and funds. Without sufficient financial resources, it is difficult to run programmes to help these dysfunctional families become independent or possess skills to take care of their families or themselves. Hence, I really hope the public will understand this and give their support so that the Malay/Muslim community can advance together without anyone left too far behind. Please allow me to continue in English. (In English): Sir, thirdly, I feel that we should continue our engagement with the Malay/Muslim community to enhance the awareness of the significance and role of the MBMF. During my engagement with the Malay/Muslim community with regard to the current amendments, I sense that many of the older segment of the community are aware and feel for the MBMF. Specifically, I felt touched when a few of them mentioned that the changes to the MBMF show the vision of the Government leaders aimed at developing a Malay/Muslim community of excellence. However, I also sensed that there is a segment of the younger generations of the Malay/Muslim community who may not have the same sentiment as their older counterparts.”
“Mr Deputy Speaker, I will speak in Malay followed by English. (In Malay): [For vernacular speech, please refer to Appendix A*. ] Mr Deputy Speaker, the Malay/Muslim community has shown solid support towards the Mosque Building and Mendaki Fund, or MBMF, which was called the Mosque Building Fund in 1975. To me, MBMF can be described as a proof of the Malay/Muslim community’s success, and that made MBMF an icon of our community's self-help spirit, apart from reflecting the community’s excellence to sacrifice for the nation’s and community’s interests. Through this debate on amendments to AMLA, I would like to touch on a few issues on MBMF. First, I would like to touch on the mosque improvement component. As mentioned by the Minister earlier, I believe that this programme is essential, as local mosques are getting older, and I believe this programme will receive strong support from the Malay/Muslim community. Many mosques built in the 70s and 80s have shown signs of wear and tear, and some parts of buildings are damaged. An example will be the Al-Ansar mosque in Bedok North built in 1981. It needs repair and improvements. Some parts of the mosque are damaged, and repairs will be costly. Also in Bedok, there is an increasing number of elderly residents. Many find it difficult to climb stairs to the main prayer hall. In this regard, improvements are needed to help them. I have met many of the Al-Ansar mosque’s congregation who shared their joy with me after watching and listening to the National Day Rally last August. Secondly, I would like to touch on MBMF's usage to solve the issue of dysfunctional families.”
“In a recent survey by the Tsao Foundation which polled 300 Singaporeans aged from 21 to 55 years old, it was found that only about 58% felt confident and were prepared for their old age. As such, these changes are a timely reminder for us of the ever changing needs of our society. We need to continue to encourage Singaporeans to prepare for old age and be confident about it. I believe the CPF system plays an important role in this effort. In addition, we should see that every effort we take as part of the holistic process involving all Singaporeans and our nation's resources. The CPF changes should not be seen as a lone effort but as a package along with the other schemes that promote a secure retirement for all Singaporeans. The challenge is to align these changes with the current initiatives as a whole package to address the needs of Singaporeans, especially the elderly in the long run, without leaving anyone behind. Publicising the current schemes and changes, by communicating messages such as "Start Early, Think Early For Your Future" that could be cultivated as a habit, will keep Singaporeans away from a welfare dependency attitude. Sir, the amendments to the CPF Act are necessary and timely, as they send a key message to the people that the Government will ensure that the mission of the CPF, which is to enable Singaporeans save for a secure retirement, is realised. Mr Speaker, Sir, I would like to state again my support so that we could continue to provide for our future generation and make Singapore the best place to live in. On that note, I support the Bill. *Cols. 299-302. 3.40 pm”
“These changes would prepare us for the challenges of the 21st Century and also the issues of ageing that Singapore will be facing soon. It is imperative to develop and maximise the potential of our people to meet these challenges. The proposed amendments will provide the statutory framework to allow those not related to the CPF member to top up the member's CPF savings with voluntary contributions for retirement needs. This will be useful to the elderly, especially those with no families, and will enable other good Singaporean Samaritans to also contribute to the less well-off. The changes may also provide a boost for a more philanthropic culture to develop in Singapore. During the Global UBS Philanthropy Forum, via a video link, MM Lee called for the promotion of philanthropy in Asia. He said that the successful ones must care for the less well-off to ensure a cohesive society. As we extend the avenues for people to contribute voluntarily to CPF accounts, either their own or others, I believe it is important that we also extend the incentives for them to do so. I believe this will certainly provide a boost to such an important effort. I would like to suggest that the Ministry further increase the tax incentive in order to encourage more people to participate. While I agree that this act should come from the heart, sometimes, any incentive will certainly help develop this noble culture. Mr Speaker, Sir, my key concern is the elderly who constitute a large and significant part of my constituents. Are we doing enough to meet the retirement needs of Singaporeans and encourage as well as facilitate Singaporeans to prepare for their retirement?”
“The proposed amendments make the CPF Education Scheme more relevant as there are now diploma and degree courses subsidised by the Government and offered by local institutions, which include the polytechnics and ITE, where the qualification is conferred by a reputable foreign institution. Sir, I have received many calls from my constituents and Singaporeans who sincerely wish that they could use the CPF to finance courses at other institutions besides those offered under the newly defined "approved educational institution" in Singapore. With the Lifelong Learning agenda seeping through the minds of many Singaporeans, many still hope to be able to use their CPF savings to realise their aspirations, as well as their children, to have higher qualifications and upgrade their skills in this ever changing global economic environment. This is even so as Singapore aims to be the Education Hub of the World and Singaporeans would never want to be left behind just because of the lack of financial resources. They hope that the CPF Education Scheme could be further refined to include more educational institutions in Singapore and overseas to help them achieve their aspirations in their pursuit for higher qualifications and skills. Sir, allow me to continue the rest of my speech in Malay. (In Malay): [For vernacular speech, please refer to Appendix A*.] Sir, the proposed amendments are a timely effort to meet the needs of an ever changing and ever evolving Singapore society as it forges ahead to become a First World economy. I am heartened to note that the amendment to the Act is heeding calls for a greater refinement of the CPF system which will ensure that the CPF stays relevant to our current context.”
“Mr Speaker, Sir, I would like to begin my speech by stating that the Government's proposal to amend sections of the CPF Act, as stated in the Bill, is a timely effort to meet the needs of the ever changing and ever evolving Singapore society as it forges ahead to become a First World economy. The changes would also prepare us for the challenges of the 21st century and also the ageing issues that Singapore will face soon. Sir, the CPF is a traditional bedrock of our savings structure and should be continuously reviewed to meet the needs of Singaporeans. This is so as the fund is connected to the people's housing, medical and retirement needs and with it, lay the aspirations of the people, a whole generation now and a whole generation in the years to come. However, as our nation evolves and globalisation continues to impact us further, challenges to the system would become a common denominator. During my meet-the-people sessions and block visits, I have had many requests from my residents to appeal to the Government to provide further refinements to the CPF system on the way they could spend their CPF savings. I am also aware that there are people who would like to contribute to the well-being of others through the CPF. This, we must encourage and facilitate, wherever necessary and possible. As such, this is even more imperative as we need to tweak the structures to enable others to support the less well-off and, most importantly, in my view, the elderly. Sir, I am pleased to note the amendments made to section 22 to refine the CPF Education Scheme. The amendments seem to admit more courses on the CPF Education Scheme, such as degree and diploma programmes under the polytechnic-ITE foreign specialised institutional framework.”
“We have decided to allow CPF savings to be used for such courses as they are similar to those offered by the approved local tertiary institutions except that the qualifications are conferred by foreign institutions. Clause 8(a) of the Bill amends section 22 to allow CPF monies to be used for courses conducted at an "approved educational institution" in Singapore. The approved educational institution need not be a tertiary institution, and the course of study conducted may lead to a degree or diploma conferred by another educational institution (including a foreign educational institution). The other sub-clauses in clause 8 amend the Act to facilitate administration of the scheme. Clause 8(b) allows for the recovery of sums not returned to the member by the student or guarantor to benefit from the Government Proceedings Act (section 65). Clause 8(c) inserts new sections 22(5A) and (5B) to enable the CPF Board to recover monies paid to an educational institution in error, and where the educational institution had caused or contributed to the error, to be reimbursed for reasonable expenses incurred in rectifying the error, and to be indemnified against any liability incurred. It also allows CPF Board to refuse permission for withdrawal unless the approved educational institution complies with reasonable informational, administrative or operational requirements. Sir, I beg to move. Question proposed. 3.31 pm”
“This amendment, together with supporting amendments to the CPFIS Regulations, will make it clear that the investments, proceeds or benefits thereof are protected from creditors, and from the Official Assignee on the member's bankruptcy, as long as the investments remain within the CPFIS, and the proceeds or benefits remain in the CPF Investment Account, Ordinary Account or Special Account, even for members who have reached the age of 55. Refinements to CPF Education Scheme Sir, the last set of changes in the Bill deals with the use of CPF savings for tertiary education. The CPF Education Scheme was introduced in 1989 as a concession to allow members to use their Ordinary Account savings to pay for their children's or their own education. However, we need to balance the use of CPF savings for education with the need to ensure the retirement adequacy of members. For this reason, the scheme currently restricts the use of CPF savings to full-time courses where the degrees and diplomas are conferred by an "approved tertiary institution". These approved tertiary institutions consist of publicly-funded local universities and polytechnics which offer courses that are heavily subsidised by the Government. This restriction ensures that CPF savings are used prudently and for courses where quality is assured. Sir, as part of the Government's effort to widen the opportunities for Singaporeans to upgrade themselves, there are now Government-subsidised degree and diploma courses offered by local institutions where the qualification is conferred by a reputable foreign institution. These include degree courses under the Polytechnic-Foreign Specialised Institution (Poly-FSI) framework and ITE's Technical Engineering Diploma (TED) courses.”
“In addition, the age for the withdrawal of the Minimum Sum is currently specified using the CPF (Prescribed Age to Withdraw Minimum Sum) Notification. Following the amendment, this will be done by way of Regulations and the Notification will be cancelled. Clarifying the protection of CPFIS investments Sir, let me now move on to the amendment relating to the protection of investments under the CPF Investment Scheme (CPFIS). The CPFIS was introduced in 1986 to give CPF members more choices in investing and enhancing their savings. The intention of section 24(2) of the CPF Act has been to give members the assurance that their CPFIS investments would be protected from creditors so long as they remain within the CPFIS and are not withdrawn. Section 24(2) was amended on 1st January 2004 to clarify that insurance policies and investment-linked insurance policies bought under the CPFIS would also be protected under the Act. However, in making the amendment, a sub-clause which appeared in the earlier legislation was omitted unintentionally. This sub-clause qualified that only investments "which the member is obliged to repay into the Fund" are protected. Sir, the policy with regard to the protection of CPFIS investments, namely, to protect only investments within the CPFIS, has not changed. Thus, section 24(2) should be restored. Clause 9 of the Bill, therefore, adds the sub-clause "which the member is obliged to repay into the Fund" to sections 24(2) as well as 24(3).”
“Sir, we would also like to re-align the treatment of top-ups when the recipient dies, or in the case of a non-citizen recipient, when he withdraws his CPF upon leaving Singapore permanently, so that cash top-ups would be treated as if they were gifts to the recipient. Currently, top-ups via cash or CPF would be returned to the giver. However, cash top-ups made after the new rules take effect would no longer be returned to the giver. In the case of the recipient's death, the cash top-ups will be distributed by way of CPF nomination or intestacy laws. To effect these changes, clause 7 repeals and re-enacts sections 19 and 19A. Clause 3 and clause 5(a) of the Bill make consequential amendments to sections 13 and 15(2) respectively arising from this re-enactment. The new Minimum Sum topping-up rules will take effect on 1st November 2008. This will allow time for givers to take advantage of the new tax exemption of up to $7,000 of top-up announced earlier at Budget when they make cash top-ups to other CPF members before the end of the year. This exemption will be in addition to the $7,000 exemption for making cash top-ups to their own CPF accounts. Prescribed age for Minimum Sum schemes Sir, the Bill also seeks to clarify and refine certain existing policies. Clause 2 amends section 2(1) to introduce a new definition of "prescribed age". The new definition replaces the phrase "age of 60 years or such other age as the Minister may prescribe". These amendments will enable the Minister to specify in the Regulations different ages for the purposes specified in sections 15(7), 15(7A) and 77(1)(o)(iii), and in respect of different classes of members.”
“" Encouraging voluntary savings Sir, as our population ages, we need to refine the CPF system to help Singaporeans prepare for a more secure retirement. Even as we help individual CPF members to better grow their retirement nest eggs through higher CPF interest rate and to provide their lifelong income through CPF LIFE, we also recognise the important role of the family unit as a primary social support structure. For this reason, we have been progressively liberalising the rules for CPF Minimum Sum top-ups by family members. Last year, we increased the top-up limit to the prevailing Minimum Sum and expanded the list of recipients, including allowing top-ups to be made to spouses and siblings below the age of 55 using CPF or cash. Earlier this year, the Government announced that the rules for CPF Minimum Sum top-ups would be further relaxed. Firstly, the annual cap of $26,393 which is imposed on all mandatory and voluntary contributions, will no longer apply on Minimum Sum cash top-ups for recipients below age 55. Minimum Sum cash top-ups would be allowed up to the prevailing Minimum Sum, like Minimum Sum CPF top-ups. Clause 4 of the Bill amends section 13B to effect this change. The clause also removes the need for CPF Board to refund top-ups in excess of the annual cap. Secondly, CPF members will be allowed to receive cash top-ups to his Special or Retirement Account from all parties, including extended family members and employers. This will encourage family support and provide another route for employers to make voluntary contributions to employees' CPF. Clause 6 of the Bill amends section 18 to remove the restrictions on the recipient-member's age and the relationship with the giver for cash top-ups.”
“Sir, Dr Faishal also noted that the recycling rate in some developing countries is as high as 70%. In our case, with our limited land for landfills and incineration plants, recycling is an important component for a sustainable waste management system for Singapore. In 2007, our recycling rate was 54%. Our target is to achieve a recycling rate of 60% by 2012, as spelt out in our Green Plan. As to the provision of recycling bins, Dr Faishal also pointed out that, at the moment, we provide centralised recycling depositories for every five blocks of HDB flats. He wants us to increase this. We are monitoring the results of this initiative to determine if we should further extend the provision. Since the installation in August last year, the centralised bins have been well used by our residents and, over the past month, the quantity of recyclables received at these depositories has gone up and is still on a rising trend. It rose from about 65 kilograms per depository per month in August 2007 to 98 kilograms per depository per month in June 2008. So we are on track and we will continue to monitor as to whether we need to increase the number of bins in the HDB blocks. Sir, I think I have answered most of Dr Faishal's questions. Question put, and agreed to. Bill accordingly read a Second time and committed to a Committee of the whole House. The House immediately resolved itself into a Committee on the Bill. – [Assoc. Prof. Dr Yaacob Ibrahim]. Bill considered in Committee; reported without amendment; read a Third time and passed. CENTRAL PROVIDENT FUND (AMENDMENT) BILL Order for Second Reading read. 3.21 pm The Acting Minister for Manpower (Mr Gan Kim Yong): Mr Speaker, Sir, I beg to move, "That the Bill be now read a Second time.”
“Secondly, Sir, the management councils and managing agents of condominiums and private apartments also have the flexibility to determine the location of receptacles as long as the receptacles are placed at common areas within the premises where residents find it convenient to access them. On the cost impact, as explained earlier, our intention is to allow for flexibility in implementation of the new requirements, and we will not be working towards any standardised receptacles. The cost increase for mandating the provision of recycling receptacles is estimated to be about 1% to 5% of existing management fees or about $1.20 to $5 more per unit each month. The exact amount, Sir, would depend on whether the management council would pass down the cost increase to the residents, the size of the apartment blocks, the number of dwelling units as well as the design and infrastructure within the estate. The upfront cost of providing the recycling receptacles also depends on the quantity, size and material of the receptacles. Just to give an example, Sir, a typical 660-litre recycling bin would cost about $300. However, some licensed general waste collectors may price the cost of providing receptacles into the recurring collection cost charged to the residents instead of charging for the receptacles upfront. On the issue of enforcement, as enquired by Dr Faishal, NEA will be the enforcement authority and we are tentatively looking at a team of about three officers. After the initial phases of implementation, we are looking at reducing the manpower requirements for enforcement. Condominiums and private apartments which contravene the Act shall be liable on conviction to a fine of not exceeding $5,000, and we are looking into compounding the offence.”
“Further, I would like to ask the Minister what is the penalty for non-compliance with the Ministry's directive. Who will be deployed to police the premises to ensure compliance and what is the manpower required? Would the Government increase the provision of recycling bin to every HDB block instead of the current one bin to five blocks of flats as more than 80% of our population stays in HDB flats? Finally, I would like to urge the Ministry to apply a consultative approach in its practices on the above as the owners or occupants of the development would be in a better position to advise and work with the Ministry on matters such as the best location to place the receptacles. In addition, it is better for such efforts to be co-driven by the occupants and owners to enhance the sense of ownership of the recycling programme among them. Sir, on that note, I support the Bill. 3.15 pm Assoc. Prof. Dr Yaacob Ibrahim: Sir, I would like to thank Dr Faishal for his comments. Dr Faishal has enquired about the factors which determine the specifications of the receptacles, given the size and activities of factories, offices and residences vary widely. Sir, firstly, I would like to clarify that the EPH amendment only covers condominiums and private apartments. Dr Faishal has also sought clarifications on the general guidelines of the proposed amendments, such as on the size and location of the receptacles. I would like to share with the House that the recycling receptacles can either be in the form of bins or bags, as long as a sufficient number of receptacles with the necessary capacity is provided to prevent the overflowing of the recyclables at any point in time.”
“We need to ensure that this sustainable practice within the family continues to be developed and spread to more families, and ultimately to the nation. I understand that developed nations such as Japan, Germany, Sweden and Switzerland have achieved high level of recycling rates, some as high as above 70% for the different categories of recyclable products. Where do Singapore stand now and what is our current target rate? Mr Speaker, Sir, I would like to propose that we press on with our efforts in this area. I would like to add further that we could also provide incentives for Singaporeans who make the conscious effort to recycle their wastes. This, I believe, would motivate Singaporeans from all walks of life to make a more conscious effort towards turning Singapore into a more environmental friendly city with a more sustainable development. In relation to the amendment to section 10 of the Act, it seems to indicate that the Director-General will decide on the specifications of the receptacles and its location to be placed in the development. I would like to ask the Minister to clarify on some of the general guidelines in the proposed amendments, particularly on the location and the size of these receptacles. Firstly, what is the estimated cost to residents to have recyling receptacles within their condominiums and private apartments? Will the Ministry be working to produce standardised receptacles so that it will be easier for the community to procure and help to reduce the implementation costs. If the Ministry is to require different premises to have different sized receptacles, then it has to bear in mind that under the current high cost of spaces, most businesses and residences would have maximised their spaces on their premises.”
“Mr Speaker, Sir, I would like to state my support for the amendments to be made to the sections stated in the Bill. To me, the significance in amending this Act is the direction that Singapore must take as it charts its path towards a first world society. As we progress further towards this path, there is a greater need for us to change our mindsets to be more gracious and conscious to the environment to make Singapore a better place to live in. This change in mindset would include how we manage our environment and the amendments proposed support this endeavour. The amendments would ensure that we take our efforts a step higher beyond just placing bins and participating in the recycling programme. It will ensure that creating a green and sustainable environment will be inculcated as part of our lifestyle; a habit of mind of Singaporeans. Mr Speaker, Sir, as such, I would like to call on the House to continue promoting the message of adopting an environmental friendly mindset for all. Singaporeans should note that the Government could legislate and place receptacles at various locations in the country but we must change our mindset on how we manage our wastes, our efforts towards making Singapore clean, green and sustainable. I would like support and thank the MEWR for its 3Rs (reduce, reuse, recycle) initiatives. We should continue to promote this habit of the 3Rs and increase our recycling waste rates. I must confess that my wife and I are very much influenced by our children, aged 8 and 12, who are great supporters of recycling where they learnt these values and practices from their school. I have a special corner at my home where we will put aside items for recycling and my children will take charge of the recycling programme in our home.”
“Two supplementary questions, Sir. Can the Senior Parliamentary Secretary enlighten the House on how other countries are dealing with this challenge of inculcating consideration for others in their citizens at food centres? Secondly, in what way is the NEA making it conducive for diners at food centres to clear up or dispose their crockeries, especially when there is no provision for holding used crockeries?”
“Sir, I have two supplementary questions. Firstly, could the Senior Minister of State share with the House on any evaluation that has been done to assess the success of these initiatives or programmes highlighted by her earlier? Secondly, in particular, how have Singaporean students and Singaporeans generally responded to these programmes?”
“First, could the Parliamentary Secretary share with us the details of the demographic distribution of those who have defaulted on their rental payments in the last 12 months, in particular, in terms of age, as well as those PA and non-PA recipients? Secondly, in view of the impending slowdown in the economy, what steps are being taken by the HDB to help needy Singaporeans who have problems paying their rental?”
“I agree with Mr Wee Siew Kim that we should install either an escalator or a lift. If this is done, I am sure more elderly and those who have mobility problems will be willing to take public transport like train and buses. Road Safety”
“My grassroots leaders and I have met the transport operator and LTA and we are now keenly awaiting for the outcome of the operators' evaluation exercise. In view of the ageing population, I feel that it is important that the Ministry focuses on providing "affordable" and "flexible" public transport options as well as "ease of connectivity" in its attempt to improve the public transport system. Initial findings from an ongoing research which I am supervising shows that those aged 55 years and above place high importance on the travel factors in their choice of shopping areas. In addition, they tend to travel shorter distance for their shopping needs. As transport and mobility are key elements in the quality of life indicators, improvements to the flexibility and connectivity of the land transport system would certainly enhance the quality of life of Singaporeans, including the elderly. Further to the above, I would like the Minister to update the House on the plans of the Ministry in meeting the transport needs of an ageing population in Singapore. Escalators or Lifts for Overhead Bridge at Khatib MRT Er Lee Bee Wah: Sir, we have implemented escalators in selected overhead bridges near shopping centres to serve the public. Today, in the context of an ageing population in Singapore, this is no longer a luxury. In fact, we should make use of overhead bridges more user-friendly if we are to attract more people to use the public transport system. We must take a holistic approach to improve the public transport system and its ancillary facilities such as overhead bridges. For example, in my constituency in Nee Soon South, the overhead bridge at Khatib Station has 67 steps. This is surely more like a vertical marathon for the elderly.”
“Sir, the Land Transport Review aims to make public transport more seamless for the commuters. I believe that the two key elements in achieving seamless travel are, firstly, the availability of flexible transport options and, secondly, the ease of connectivity during the travel process. This not only involves the characteristics or features of the transport modes and its transfer process, but also the integration of the transport system to the land uses which it connects to the users. In order to make the public transport a choice mode and a viable alternative to the car, we need to look at the details of the travel needs and options available to Singaporeans wherever they live, particularly for those who live in public housing. It should also maximise their level of accessibility in travelling to activity nodes, especially those close to their neighbourhoods. In addition, in view of the ageing population in the horizon, the land transport system should meet the needs of the young and old. Sir, we need to continuously keep a close eye on the ground in meeting the travel needs of Singaporeans. Within Kaki Bukit division, Marine Parade GRC, my grassroots leaders and I have been receiving feedback from residents about the need to improve their "ease of connectivity" in commuting from Chai Chee to Bedok North neighbourhoods. This need became apparent when we began to observe our residents, particularly, the elderly having difficulties in accessing a nearby neighbourhood due to the unavailability of an easy and direct travel option. This has made these two neighbourhoods, in the words of one of my residents, "so near yet so far".”
“Of late, a few mosques and Malay/Muslim bodies have been organising events or implementing initiatives that benefit all Singaporeans, irrespective of race or religion, such as the event organised by the An-Nur Mosque in Marsiling. Madam, I feel that such events can help strengthen the already strong bonds between the Malay community and other communities here. It will contribute towards a better understanding of Islam by our non-Muslim friends. In the longer term, will MUIS consider supervising a more coordinated approach to highlight the humanitarian aspects of Islam, through events like those which I have mentioned just now, in order to foster greater understanding and rapport among the people? *Cols. 2313-2314. MUIS's Asatizah Development Programme”
“(In Malay): [For vernacular speech, please refer to Appendix A *. ] Madam, terrorism today continues to be at the forefront of both national and international agendas and threatens our security. Youths today, most of whom are exposed to the Internet, face greater challenges. Information on deviant teachings is widely available from the Internet and new modes of communication and this poses a growing concern. If they are not well supervised and guided, such information may influence the individual to become self-radicalised. The case of Abdul Bashir and the recent arrest of three more self-radicalised youths show that this problem will continue. This presents a danger and huge challenge for us. As such, we must inculcate and demonstrate shared values that had long been imbued in us during our nation building process. I believe that by internalising our shared values, such as respect and harmony, this will play an important part in fostering understanding and promote harmonious relations as a defence mechanism against the threat of all forms of terrorism. As the Internet continues to be part of our lives, our Internet savvy youths will still be confronting issues that will shape their ideologies with regard to terrorism. Therefore, as we move ahead, I like to ask MUIS what are its plans to manage the issue of self-radicalisation among youths. With regard to MUIS also, during the COS debate last year, Minister Dr Yaacob Ibrahim mentioned that MUIS will be organising more inter-faith seminars and workshops through international link ups. Can the Minister share with the House whether there are any plans to expand our Community Engagement Programme, by playing a more active role in building our country's social capital?”
“Another Singaporean took an external degree programme from a commercial school in Singapore, which advertised that it was an institution that was registered with the MOE. However, he later found that the external degree was from a university which is a very small institution overseas that is not even highly regarded in its home country. These Singaporeans wished that they had more avenues to seek for independent references or advice during the selection process. In view of Singapore's aim of becoming an education hub, in particular private education hub, I would like to suggest that we improve this process to benefit Singaporeans who are thinking of pursuing an external degree in Singapore or overseas. Sir, I would like to suggest that MOE develop a framework that will provide a reference point or advice for students who wish to pursue an external degree. The role of professional bodies could also be enhanced in improving this process. I would like to know how the MOE plans to improve the current state to assist Singaporeans to make an informed choice in the selection of courses in overseas universities to pursue their external degrees.”
“Sir, today, many Singaporeans are taking graduate and postgraduate external degree courses, both in Singapore and overseas, to meet their aspirations of attaining the desired education qualifications and upgrade their skills to enhance their competitiveness in the job market as part of the life-long learning journey. I have met both young and old Singaporeans who have spent much of their resources in seeking opportunities to pursue their educational aspirations. Singaporeans are fortunate to be able to make the choices from the wide options available to them. However, these wide choices also present them with the challenge of having to select the right and appropriate courses and institutions. This, coupled with the good marketing slant companies selling these courses, makes the selection process more challenging for someone who wishes to undertake a course. As a result, I have received feedback - the excitement Singaporeans felt - that upon completion of their courses, they realised that their courses and overseas institutions that they selected are not highly regarded, or not perceived to be good degrees for employers when they seek job opportunities, and local tertiary institutions when they want to pursue higher degree programmes in Singapore. 2.00 pm Sir, let me share with you two examples of Singaporeans, who having obtained a good diploma from a local polytechnic, pursued a degree course overseas. One Singaporean completed his degree course within one and a half years, due to the exemptions he obtained for the relevant modules he had undertaken during his diploma studies. Upon graduation, he faced problems with regard to the perception of his degree by his employer and local tertiary institutions when he wanted to pursue a higher degree in Singapore.”
“Sir, during last year's National Day Rally, the Prime Minister informed the nation of the ABC Waters Programme being developed in Punggol and Sengkang. I received feedback from my friends and residents that it was one of the most visibly exciting part of PM's speech that night. This has also created interest among Singaporeans about the ABC Waters Programme, stirring their hopes that more could be done to the channels and rivers near their homes. Sir, I feel that there is much potential in some areas of Singapore for greater integration of its water bodies to the recreational lifestyle of the people for the purpose of improving the quality of life in those estates. Besides the residents of Punggol and Sengkang, what can the rest of population look forward to with regard to the ABC Waters Programme? Could the Ministry update the House on the upcoming projects in 2008?”
“Climate Change - Introduction of Green Transport and Energy Efficiency”
“Sir, the issue of climate change continues to be debated by many internationally and locally. Recent reports indicated that there are regions in the world that are experiencing serious effects of global warming such as the melting of the ice caps and changes to the weather patterns. I was in Hong Kong and Macau with my students last one week. The locals there shared with us about the changes in their climate as well as regions surrounding them. They have been experiencing an exceptionally cold and a much harsher weather during the last few months. The temperature went up a little when we arrived in Hong Kong and the locals delightfully mentioned that Singaporeans brought warmth to their shores. Locally in Singapore, many of the people that I know shared with me that the nights these days are rather cold such that they have not used their air-conditioning system in their homes for the past few months. This has enabled them to save on their utility bills. Sir, although much has been discussed about climate change related issues, sometimes I ask myself, what does climate change mean to the local heartlanders. Do they understand what climate change means and how does it impact their lives and daily activities? What must they do to play their part in the process of managing climate change? As a global citizen, I feel that it is important that Singaporeans are aware of their roles and responsibilities on the issues of climate change. How has the Ministry been reaching out to Singaporeans with regard to the issue of climate change and how have Singaporeans been responding to these efforts? Sir, I would like to know whether and how this issue of climate change has affected Singaporeans and what is being done to adapt and manage its impact.”
“I also note that there are tips provided for youths in understanding terrorism-related issues. I strongly believe that we must continue this good effort and enhance our understanding of the needs of youths and their "Internet living environment". For example, community partners, such as the RRG, need to continuously enhance their capabilities and contents of their engagement tools so that it remains relevant to youths who often refer to websites as part of their knowledge-seeking process and direction for their lives.”
“I am pleased to note that organisations, such as Taman Bacaan and the Madrasah Convention in July this year, are amongst the many others who have taken initiatives to engage youths on this issue. Secondly, being just aware of the issue may not be enough; the young should take proactive measures and take ownership of their actions on the issue. I have in the past promoted the concept of Peer Leadership - a youth leading youth process working closely together to take the leadership to deliberate on issues and acting upon them responsibly. I believe that active peer leadership in a common youth space is a powerful tool of self- expression where young Singaporeans in a concerted voice take a stand against religious extremism. Peer leadership adds credible weight to their voices and promotes greater active citizenry. Peer leadership is impactful as youths listen most to their peers and often turn to each other for mutual acceptance and support. Given the proper learning environment, youth leaders have the potential to become visible and influential leaders among their peers. Thirdly, we should continue to tap on existing platforms, such as the Religious Rehabilitation Group (RRG), to engage youths on terrorism-related issues and concerns. In addition, it is important that we enrich these existing platforms by increasing the level of participation from all segments of the society to ensure that we have the capabilities to engage the ever-changing needs of the different groups of the society. For example, I have visited the RRG website. I am encouraged by the content of the website, especially where it provides avenues for people to have ideological responses with regard to the various concepts that people may have in their lives.”
“Thus, I am pleased to note that the key intent of the amendment made to sections 79 and 81 drives home the message that there is continued clear and present danger beyond our shores. The amendments serve to strengthen our laws to meet these challenges and will give more bite to our security forces to take decisive measures when they are called to do so. It also sends a clear signal to potential threats that we will never allow terrorists to test Singapore's social fabric that we have painstakingly weaved over the years. Sir, I would however like to caution that in our message of finding a balance we should continue to evaluate every issue or matter pertaining to terrorism discerningly and that the courts should assess and accord the rights of every citizen based on the facts and defences made accordingly. As such, I would like to propagate that the whole process of managing issues like that of terrorism should have a holistic approach that covers both proactive and preventive measures. If I may quote the essence of Ambassador Kesavapany's speech delivered as part of International Writers' Festival, he said: "It is the people who defeat terrorism and not just through laws." Building upon our national programmes, such as the Community Engagement Programme, I would like to suggest that we continue to engage our youths, particularly the P65 generation, in addressing the issue of managing terrorism. Firstly, I strongly believe that there is a need to continue to engage our people, especially the youths, to better understand the rationale and reasons for the amendments to sections 79 and 81. We must continue to create platforms to engage them to better understand the threats of terrorism.”
“Mr Speaker, Sir, I rise in support of the proposed amendments to the Penal Code. Sir, the Penal Code is a vital component of our judiciary system. It has ensured Singapore's success and will continue to do so as we turn the next chapter of the Singapore story, a city of possibilities. As we open up and globalise, we must be wary of the challenges ahead and the continued need to align our process to the current times, a process which should also reflect present realities and meeting the needs of the nation. If I may quote Prof. Jayakumar, Deputy Prime Minister and Minister for Law's comments in the press during the recent conference of the International Bar Association, where he said: "Each society has to find a right balance and operate the rule of law to achieve good governance." Sir, it is in the light of this spirit that I welcome the move for the review and the proposed amendments to the Penal Code and I would like to focus my speech on three issues, namely, terrorism, racial harmony and the Petition to repeal section 377A of the Penal Code. Firstly, the issue of terrorism. Sir, globalisation has resulted in the evolution of new modes and channels of communications, a cosmopolitan society, and putting Singapore on the crossroads of international travel, movement of information, goods and services. Inadvertently, it has also put us on the map of terrorism. Mr Speaker, Sir, while we have been swift in our actions on groups like Jemaah Islamiah in the past, we must continue to equip our security forces to act decisively and confidently within the law to protect our land. We must never rest on our laurels.”
“Mdm Deputy Speaker, Er Lee Bee Wah, MP for Ang Mo Kio GRC, earlier questioned about the move to revise upwards the current penalties, and she has highlighted her concern on its impact on attracting Singaporeans to join the engineering profession. I urge the Minister to consider providing a good balance in enhancing safety while, at the same time, not deterring Singaporeans from joining the construction industry. Madam, on that note, I support the amendments to the Bill. 4.55 pm”
“Should there be a need to develop this field of expertise more in Singapore, given the potential of this industry? What would be the role of local institutes of higher learning and other educational and professional institutions in supporting this approach? On this issue, I have received numerous feedback from construction professionals who say that there is an inadequacy with regard to geotechnical specialists. As such, the cost of engaging their services has increased substantially. I would like to ask the Minister how would the Ministry be addressing this issue. With regard to the amendment on the licensing of builders, I would like the Government to explore more options to attract more Singaporeans to the construction industry. There is also greater investment needed in the development of the image of the construction industry to attract more people to the industry. I would like to compare our recruitment approach to the analogy of "Bob, the builder", a popular icon among young children. The profession should not be portrayed as someone just working as an ordinary labourer in the construction industry. It should portray a creative, dynamic, talented and individual creator of things, just like "Bob, the builder", who propounds the value of teamwork, problem- solving and achieving something by working together. This is also very much the essence of our education system. For this to succeed, it will require the support of the educational and professional institutions to play and support the development of the image of the profession further.”
“Mdm Deputy Speaker, I welcome the move to enhance safety, quality and professionalism in the construction industry through the Building Control (Amendment) Bill. The Amendment Bill is timely, given the resurgence in the construction industry, as Singapore develops and redevelops its urban landscape in the 21st century. The Bill would ensure that Singapore retains the confidence of its safety standards and enhances the credibility of its construction industry, both locally and internationally. What is most important is that the essence of the Bill aligns itself to the notion that every individual counts and safety standards should never be compromised. However, I would like to comment and propose the following suggestion. With reference to the amendment in the area of temporary earth retaining structures, I agree that temporary works should be given the same respect and regulatory standard as permanent works. Further to this issue, I would like to propose that both the above and underground temporary structure works to be put under one umbrella. I understand that, currently, each of this type of temporary structure works is under the purview of two Government organisations, namely, the Building and Construction Authority and the Ministry of Manpower. This merger, I believe, would provide the synergy for a holistic approach to regulating the two types of works. In turn, safety of both areas would also be managed more efficiently and would certainly result in the optimisation of our scarce resources. With reference to the Amendment Bill in the area on deep excavation, I welcome the move for more geotechnical specialist's inputs in the construction process. However, I would like to know if there are many in the field who are Singaporeans.”
“Sir, it is important that Singaporeans understand that although certain changes to the CPF policy may be a bitter pill to swallow, if done with a right attitude and sincerity, we will be a resilient nation that could face all challenges. Our changing demographics have shown that there is a need for changes and flexibility in our policies to meet the different needs and aspirations of the people. There is a need to engage our people as they are our most important resource. In the recent National Day Rally, our Prime Minister shared the vision for the landscape and features of the new housing estate and lifestyle of Singaporeans through the lenses of Punggol 21-plus in the future. I believe that all these would not have occurred if not for the visionary leadership of our people and the hard work of Singaporeans who made what we are today and what we are going to be in the future. Although much has been said about the challenges faced by other nations in addressing the ageing issue, I strongly believe that in the true spirit of being Singaporeans, nothing is impossible in this city of possibilities. On that note, Sir, I support the motion. 3.28 pm”
“While most of these feedback and calls relate to using CPF monies for other forms of investment and consumption, I would like to urge the Government to provide more options to enable CPF members to voluntarily contribute their funds into their CPF accounts, in particular, to the Special and Retirement Accounts. I have met a number of my constituents who shared with me that they wished they had saved a portion of the positive sales proceeds that they gained in the sale of their HDB flats. Some even mentioned that they were overwhelmed by the huge capital gains and could not manage the sales proceeds efficiently and effectively. A few of them shared with me that they were surprised at the rate the sales proceeds were used up in a couple of months or years. While we need to continuously educate Singaporeans to be prudent in managing their finances, I would like to suggest that the Government provide an option for CPF members to voluntarily contribute or save a portion of their positive sales proceeds from the sale of their properties into their CPF accounts. In addition, just as we have the D- and V-Bonuses, I would like to suggest a VR (short for Voluntary Requirement) or R (short for Retirement) Bonus to be given to CPF members who voluntarily contribute a portion of their positive sales proceeds from the sale of their properties into their Special or Retirement Accounts. In this way, while CPF members are able to enjoy the current benefits of their asset enhancement, they are also able to save for the future as well as to obtain a reasonable rate of return within a safe environment.”
“In addition to the issue which I have covered in my Malay speech, I would like to cover two issues in this English speech: (1) With regard to a holistic approach in supporting the ageing process and the elderly; and (2) With regard to encouraging CPF members to voluntarily contribute a portion of their positive sales proceeds from the sale of their property to their CPF accounts, in particular, the Special and Retirement Accounts. I urge that the efforts to support the elderly and an ageing society should be seen as a holistic process involving all Singaporeans and our nation's resources. The CPF changes should not be seen as a lone effort but as a package along with the other aid schemes that support and develop the Singapore society. The challenge is to align them with the current initiatives as a whole package to address the needs of Singaporeans, especially the elderly, in the long run and leave no one behind. Publicising the current schemes through communicating messages, such as "Start early, think early for your future", could be cultivated as a habit that will keep Singaporeans away from the welfare-dependency attitude. There is great potential in the elderly and we should continue to motivate those who can work to do so. Lastly, I would like to touch on the issue of encouraging CPF members to voluntarily contribute a portion of their positive sales proceeds in the sale of their property into their CPF accounts, in particular, the Special and Retirement Accounts. Sir, we have heard many calls from Members of Parliament and Singaporeans for more flexibility in the management of the CPF fund.”
“If we can save a portion of our income, eventually our savings will reach a substantial amount. This amount will provide us with some comfort when we retire. With the payouts from the CPF Minimum Sum, and together with our own savings, we will be able to enjoy a more comfortable life during retirement. In short, CPF savings and annuity should not be our only savings when we reach old age. In respect of the CPF reforms, we should also ask ourselves some questions. Among them are: (1) What would happen if we live longer than expected? (2) Will our savings be enough? (3) What is the risk if our CPF savings run dry? This is a good starting point to stir us into getting the answers. Most of the answers lie in the CPF reforms done by the Government. Now, allow me to continue my speech in English. *Cols. 1983-1986. (In English): Mr Speaker, Sir, as highlighted by Prime Minister Lee Hsien Loong during the National Day Rally, the ageing population issue is correlated to the widening income gap problem. As such, there is a need for us to improve and change the CPF structure now to meet the challenges of the times. We will still face many challenges, notably security and globalisation. It is imperative to develop and maximise the potential of our people to meet these challenges, and the most pressing is the reality of the ageing issue. The key is to prepare our people early before reality bites.”
“In this aspect, I urge the Government to work hard in reaching out to every level of the community to explain the rationale and the need for the latest CPF reform. The Government should develop a holistic process in reaching out to the community. In particular, we should look into how all levels of the community can work hand in hand to increase awareness and understanding of this CPF reform. For example, I would like to suggest that our senior citizens share their life experience, especially with regard to living in their old age. This includes the ups and downs, by having sufficient funds or otherwise, after they retire. This will help the younger generation and their families to better understand life during the sunset years and the importance of financial planning when young. In this way, the young will better understand the scenario related to the accumulation and better usage of the CPF retirement funds and, at the same time, help them make wiser decisions. The public education campaign to be designed must be for the long term. Every effort, time and opportunity should be utilised to ensure that as many Singaporeans as possible understand the CPF reforms. I believe that with continuous explanations, more Singaporeans will be aware of the need for the CPF reforms. The second issue that I would like to touch on is the need for Singaporeans to have sufficient funds to meet their needs during their sunset years. It is important for us to know that the measures to set aside the funds for old age from the CPF reform can only fulfil one's basic needs. Therefore, Singaporeans must build up their own savings as early as possible, year by year. Like the Malay saying goes, "Bit by bit, eventually it will become a hill".”
“Mr Speaker, Sir, I will first speak in Malay, followed by English. (In Malay): [For vernacular speech, please refer to Appendix A *. ] Mr Speaker, Sir, I support the move to reform the CPF policy in order to provide sufficient funds to support our senior citizens during their sunset years. I have met many senior citizens in my ward who are very excited about the CPF reforms. But many of them do not really understand the scheme and issues related to this move to strengthen the social safety net, including the CPF reforms. Therefore, it is essential to reach out and explain to them at every opportunity, which will be the focus of my speech. On the CPF reforms, among the key reasons for this move is that more Singaporeans are living longer. Statistics show that Singaporeans are living longer. Thus, the assumption of many senior citizens that they will not live beyond the age of 60s or 70s is contrary to the reality today. Therefore, whether we accept the statistics or otherwise, and whether or not we have sufficient funds, the fact is that it is likely that more Singaporeans will live longer. Based on this fact, we need to act quickly, that is now, and not to wait until the challenges of an ageing population becomes unmanageable or uncontrollable. As the Malay saying goes, "Prepare the umbrella before it rains." In reforming the CPF, Singaporeans must be convinced that the Government's actions are for everyone's benefit. This does not mean that the Government does not trust its people to make their own decision on financial planning for their old age. Although some may find it to be less popular, unsuitable, etc, the Government has an important responsibility to think of measures that are necessary for the good of Singaporeans in the long run.”
“Sir, related to the question asked by Mdm Ho, I would like to ask, based on the current talent development process, whether there will be a sufficient number of students or graduates that will be able to take up the posts when the IRs are ready, and what kind of posts will the majority of Singaporeans take up when the IRs are completed.”
“Mr Speaker, I would like the Minister to share with the House on the current assessment of the investors as well as prospective investors with regard to the importance of cost of living as well as cost of property and land ownership relative to the other factors that they consider when they invest in Singapore.”
“Mr Speaker, Sir, I would like to thank the MOS for giving a good answer. May I know how long does the HDB take to process an appeal for a HDB loan from a resident who is unable to obtain a housing loan from a commercial bank? This is because sometimes during my meet-the-people session, I meet residents who are concerned that they are unable to obtain HDB loans for the purchase of their next flat when they are not able to obtain a commercial loan. For some, their current flat is going to be repossessed by the commercial banks and they have enjoyed the allocated number of subsidy.”
“MAS has made similar amendments to the MAS and Currency Acts, which were passed in Parliament on 12th February this year, such that the MAS Board, instead of the President, would now approve investments in new securities and instruments for MAS' investments. The rationale for this amendment is that the responsibility for approving categories of investments is an executive function that appropriately resides with the Government, instead of with the President. Investment risks are better assessed and managed by Government and its investment agencies, since risk management is part and parcel of regular investment decisions and operations. As such, the proposed amendment recognises that the role of the President is in the overall safeguarding and protection of past reserves rather than in approving specific categories of investments and assessing the risks involved in each category or each type of security. The President also approves the Board and CEO appointments of our key investment agencies, which include GIC Pte Ltd. The Government will also continue to report investment performance on past reserves regularly to the President. The President has been consulted and agrees with the above amendments. Sir, I beg to move. Question put, and agreed to. Bill accordingly read a Second time and committed to a Committee of the whole House. The House immediately resolved itself into a Committee on the Bill. - [Mr Tharman Shanmugaratnam]. Bill considered in Committee; reported without amendment; read a Third time and passed. GOODS AND SERVICES TAX (AMENDMENT) BILL Order for Second Reading read. 2.54 pm”
“Sir, I would like to ask the Parliamentary Secretary if he can consider extending the operating hours of these ORAs in certain parts of the suburban estates just to add some vibrancy and perhaps use some discretionary exercise in allowing some of the ORAs to be extended, say, by one hour during weekends, especially when many residents watch football matches at the coffeeshops. Dr Mohamad Maliki Bin Osman: Sir, I think the current operating hours for ORAs are generous enough, up to 11.00 pm. As mentioned in my main response, it is trying to strike a balance between the needs of the residents in the neighbourhood as well as the operators of the eating houses. As much as we have tried to meet the request, often-times, there will be complaints or feedback that come across in terms of noise pollution. As of now, we are concerned, and we are quite comfortable with the fact that the hours given for ORAs up to 11.00 pm are quite sufficient to meet the needs of both parties. FINANCIAL PROCEDURE (AMENDMENT) BILL Order for Second Reading read. 2.50 pm The Second Minister for Finance (Mr Tharman Shanmugaratnam): Mr Speaker, Sir, I beg to move, "That the Bill be now read a Second time." The Financial Procedure (Amendment) Bill before the House seeks to amend section 7(3) of the Financial Procedure Act to remove the need for the President to determine or authorise the investment of public moneys in securities or other instruments. The Minister for Finance, instead of the President, would determine or authorise the type of securities or other instruments in which public moneys may be invested. This amendment covers Government's investments managed by GIC.”