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GOVT TO PROVIDE CASH, HELP CLEAR DEBTS & CPF TOP-UPS FOR LOW-INCOME FAMILIES

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New Packages to Better Support ComLink+ Families That Do Their Part to Progress in Life

Strong families are the foundation of a strong society. The Forward Singapore report had indicated a commitment to strengthen support for lower-income families in their journey towards stability, self-reliance and social mobility. The Government will do this through ComLink+, by providing ComLink+ families with:

  1. Dedicated Family Coaches who will work with each family to co-develop customised action plans that are tailored to each family’s needs, coach and motivate them towards achieving their goals, and act as a single point of contact to help them better navigate social support services. 
  2. Additional support tied to action plans that each family co-develops with their Family Coach. Details of the additional support are provided below.

Progress Packages for ComLink+ Families

  1. MSF will introduce progress packages to recognise and supplement families’ efforts. ComLink+ families that take active steps to improve their circumstances will receive financial top-ups through the progress packages. 
  2. For a start, we will introduce four packages that focus on ComLink+ families’ key needs and aspirations. These will be rolled out progressively from the second half of 2024 and trialled for three years to assess their effectiveness before potential scale-up. 
    • Preschool education. The early years are crucial for children’s learning and development. Local research shows that children who attended preschool from age 3 were less likely to require additional learning support in primary school. However, preschool enrolment and attendance rates of lower-income children are lower than their peers, especially at ages 3 to 4. We will introduce a package funded by a donor, to provide a one-off Child Development Account (CDA) top-up of $500 to ComLink+ families for each child who is enrolled in preschool in the year that they turn 3. Families will also receive CDA top-ups of $200 for every quarter that the child attends preschool regularly. This package will encourage families to prioritise their children’s preschool education, to help improve their school readiness and future educational outcomes. 
    • Stable employment. Some ComLink+ families have adults who can work but are unemployed, in lower wage roles, or working in jobs with fluctuating incomes. Some may rely on a single breadwinner to make ends meet. To build financial stability and resilience, it is important for ComLink+ families to have a stable income and to increase their income as a household. This package will encourage more adults in ComLink+ families to enter and stay in CPF-paying jobs paying at least $1,400/month. Should they fulfil this requirement, each adult will receive financial top-ups of between $450 to $550 in a combination of cash and CPF payouts for every quarter of sustained employment (up to a limit of $30,000 in total payouts across both the employment and savings packages). Higher top-ups will be given when two adults in the household work. A maximum of two working adults per family can benefit from this package. This package will help families to build up their finances for their long-term goals such as buying a flat or saving up for retirement, and to better withstand unexpected setbacks in life (e.g., retrenchment, health issues). 
    • Improving financial stability through debt clearance. With less disposable income and savings, lower-income families are more susceptible to falling into debt or arrears, especially if they encounter unexpected setbacks or have inherited debt. Even a relatively small debt can severely impact lower-income families financially, psychologically and emotionally, affecting their ability to resolve their debts and work towards long-term goals. To help ComLink+ families with verifiable debt[1] overcome such obstacles as they take steps to repay their debt, we will introduce a package that is fully funded by donors to match families’ repayments to their creditors on a one-to-one basis, for repayment of debts of up to $5,000 (i.e., donor-matched repayments of up to $2,500). To be eligible, families must also not be receiving ComCare assistance, as this would usually indicate that the family has not attained financial stability in meeting their basic needs. This support will help to free up some of the families’ mental bandwidth, enabling them to focus on long-term goals, and build financial resilience. Families can benefit only once from this package. 
    • Saving for home ownership. Many ComLink+ families aspire to purchase their own flat as part of their social mobility journey. To provide families with a leg-up as they build up their savings for flat purchase, we will introduce a package jointly funded by a donor and the Government. This package will supplement every dollar of families’ voluntary contributions to their CPF with a $2 top-up to their CPF Ordinary Account (up to a limit of $30,000 in total payouts across the employment and savings packages). This will help families to save up more quickly for their flat purchase and give them a better chance of fulfilling this aspiration. 
  1. Families must fulfil the required action and meet the eligibility conditions for each package in order to receive the corresponding financial top-up (see Annex A for details on the conditions and top-ups for each package). The financial top-ups will be provided for as long as the family remains eligible for and fulfil the requirements of the packages, or until the family reaches the payout limit specified for each package, whichever is earlier. 
  2. Collectively, the support from Family Coaches and progress packages aim to help ComLink+ families to build and strengthen their foundation to achieve stability, self-reliance, and ultimately social mobility. It will also build on various efforts by community organisations to support families in areas such as children’s education, debt clearance, and building up of savings. ComLink+ as a Whole-of-Society Effort
  3. ComLink+ is a whole-of-society effort, led by the Government but implemented in partnership with the community. Many have stepped forward to volunteer their time, contribute financially, or offer other forms of support to ComLink+ families. Currently, approximately 170 organisations and individuals are partnering SSOs to support ComLink+ families (see Annex B). In particular, DBS is coming in as an anchor partner to help uplift the lives and livelihoods of ComLink+ families. Beyond funding the progress packages on preschool education and savings, the bank will also be stepping up its volunteer participation to bolster support for these families. Another partner, Singapore Pools, will be helping to fund part of the progress package on debt clearance. We invite more corporates and foundations to step forward to contribute to ComLink+, and ask individuals to consider volunteering as befrienders to journey with ComLink+ families. Together, we can uplift ComLink+ families and ensure that no one is left behind.

[1] Refers to debt owed to licensed companies and organisations that can be verified and for which repayments can be tracked. Informal debts, such as those owed to family and friends, as well as debts owed to unlicensed moneylenders, are not covered.

Source: MSF

GIRL WITH $35K DEBT TEMPTED TO WORK “NSFW JOB” TO GET THROUGH IT

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I have ~10 credit cards–and am in 35.5K debt.

I have horrible spending habits, and so do my parents. I am wondering what something of worth I could sell in my household, or make money, literally anything to help my situation.

Helpful information (I hope) would be that: I have a job, but it isn’t linear, I am called into work when needed. I am a cleaner and for each job, I am paid $150, more money if the renters of the building stay late, leave a mess, etc. (but it seldom happens because unfortunately, people are clean in my area.)

My mom is searching for a job, interested in working for a big company and my dad is working on getting her a good-paying position. My dad works overseas, but that isn’t a solid job as it used to be, so he has a plan in place in case he gets laid off for basically stepping in the wrong direction.

My aunt is a NSFW worker and suggested that I work with her, she can put me in a really good spot as well, but I am really uncomfortable with that. If it gets to where I need to though, I will have no choice.

I have moved some priorities around and made someone else in charge of my finances. I am not saying that I am brushing that fact under the rug, I just wanted to make it clear that I am basically bad with money.

Here are what netizens think:

And go for whatever side jobs you feel safe/comfortable with. I know someone who did some COVID related job to pay off debts.

This right here is the first thing that must be addressed. No other advice is worth a damn until you fix this first.

Step 1 stop spending money, step 2 go read a book at a library (free)

MAN SMEARS POOP & LEFT PRAYER OFFERING ON CAR @ ALJUNIED, END UP “ATTACKED” THE WRONG CAR

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In a bizarre and disturbing incident on November 19, a 52-year-old man was apprehended after a car, owned by a 60-year-old hawker named Wang, was found smeared with faeces at Blk 49 Sims Place in Aljunied, according to Shin Min Daily News.

This peculiar case also involved the placement of “prayer offerings” on the car, accompanied by a note in Mandarin.

The Incident Details

The unsettling event unfolded with the discovery of prayer offerings on the car’s bonnet, featuring a huat kueh and an orange adorned with ribbons and incense sticks.

The Mandarin note left on the windshield, translating to “if you don’t want people to know what you did, then don’t do it at all” added an enigmatic layer to the incident.

Shin Min reporters, upon reaching the scene, were confronted with a nauseating scene – faecal stains adorned the front and rear windshields, windows, and door handles of the car. The noxious stench emanating from the stains heightened the disturbing nature of the incident, leaving the community perplexed and concerned.

The gravity of the situation prompted the presence of two police cars at the scene, with officers actively documenting and investigating the peculiar occurrence. The ongoing investigation seeks to unravel the motive behind the act and bring the perpetrator to justice.

Car Owner’s Reaction

The car, it was revealed, belonged to Wang, a chicken stall owner at the nearby market. Wang, shocked and angered, learned about the incident from a neighboring stall’s staff. Despite the disturbing nature of the act, she promptly called the police, emphasizing the need for swift intervention. Wang’s decision to resume her business and clean the car after market hours reflects her resilience and dedication to an honest living.

Beyond the faecal vandalism, the perpetrator is believed to have left abusive notes on nearby pillars, sparking speculation within the hawker community. Some suggest that the act might have been misdirected, with the suspect possibly targeting the wrong individual. This speculation raises questions about vendettas within the community and the potential consequences of such misunderstandings.

Further investigation revealed another car in the same car park, sharing similarities in model, color, and even a similar license plate number to Wang’s vehicle. The possibility of the perpetrator confusing the two cars adds a layer of complexity to the case, emphasizing the importance of precision in such acts.

Arrest and Police Statement

In response to the incident, the police arrested a 52-year-old individual on charges of public nuisance. The ongoing investigation aims to shed light on the motives and circumstances surrounding the act.

WOMAN FOUND OUT “NEW COLLEAGUE” HAS 4 TIMES HIGHER SALARY THAN HER

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my colleague has been with the company for two years, makes 1/4 of what I make for the same job, same title, Same duties, same workload, and I started last week… she’s not happy.

she and I are pretty decent friends, like, she’s a funny girl that likes dog, and I’m just a dude that also likes dog, so, we made fast friends and she’s into the same nerd shit as me, hence why we work a similar job.

I say this so that when I say she was at my house early this morning.

It was 2 am, she was in my house, we were several drinks into a hangout, our friends were talking about the housing market, we started talking about work. She says my house is nice for a dude that works at (insert satanic corporation) and I joke, lightly, “it’s not bad for $75k a year”.

her eyes sunk into a sorta disgusted, kinda pissed look

She asked me if I have two jobs or invest.

I said I invest but it’s all for retirement or emergencies.

She asked me if I make that money at our job

I do.

She said she makes 20k a year or a little more if there’s a bonus one quarter.

It became awkwardly silent between us, it was noticeable because our friends made a comment about it

She asked me if I got a degree

I didn’t, she did

She asked if I have experienced, I don’t

She started cursing every manager, exclaimed hatred for every client.

I genuinely feel equally upset about the situation, because fair is fair, right?

She said she’s gonna address it tomorrow. What should I do?

CHAO AH LIANS WHO BEAT UP XMM @ CHANGI CHALET, BEING INVESTIGATED BY POLICE

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A recent incident involving four teenagers, aged between 14 and 15, at the Civil Service Club (CSC) chalet along Leuchars Road, gained widespread attention after a video of their altercation went viral over the weekend.

A group of about 4 girls had ganged up on another girl and mercilessly beat her up as a huge crowd of guys surrounded them and filmed the whole thing, even conducting “post fight” interviews with the attackers.

According to TODAY, the Singapore Police Force said that they were alerted to the incident on 17 November at about 10.15pm, at the Civil Service Club (CSC) @ Changi 2 chalets.

They said that a 15-year-old female teenager suffered minor injuries in the attack but had otherwise refused to be sent to the hospital.

The police confirmed that they are currently investigating.

The Viral Video

At the onset of the video, the victim, identifiable by her black shoulder-strap top, was desperately attempting to escape her assailants, accompanied by another girl holding onto her hand. Despite their efforts to flee, the assailants, fueled by aggression, pursued the victim. A group of onlookers, predominantly males with mobile phones in hand, followed, documenting the unfolding chaos.

In the subsequent frames, the victim found herself surrounded by her attackers and a sizable crowd of onlookers. A feeling of helplessness permeated the scene as a heated exchange unfolded, with the crowd seemingly goading the assailants on. The situation escalated rapidly as four other girls relentlessly attacked the victim, delivering forceful blows to her head and viciously pulling her hair, ultimately dragging her to the ground.

A Helpless Rescuer and Vicious Assault

Amidst the chaos, a rescuer, presumably the girl seen initially holding onto the victim’s hand, could only watch helplessly as the assailants overwhelmed the victim. The intensity of the assault, compounded by the cheers from the crowd, painted a grim picture of the victim’s ordeal. Squatting on the ground, clutching her head in evident pain, the victim became the focal point of the recording crowd, perpetuating the distressing incident.

Different POV: Unraveling the Initial Attack

The video transitions to a different point of view, offering insight into the moments leading up to the assault. One of the assailants, dressed in white, screamed vulgarities at the victim while a male voice off-camera encouraged the attack. The assailant, wearing white, joined in, displaying a disturbingly gleeful demeanor. The victim, visibly distraught, sought support from onlookers as she cried, only to have her hair seized by the assailants, pulling her to the ground and subjecting her to a barrage of forceful blows.

Escalation Beside a Fence: Confrontation Continues

The aggression reached a new level as the confrontation shifted to another location beside a fence. The crowd gathered, capturing the escalating violence on their mobile phones. Some even climbed on the fence for a better view. The assailants cornered the victim, back against the wall, facing four aggressors and a group of onlookers documenting the assault.

This time, a different assailant in a white top with a light-brown ponytail threw a right hook at close range, striking the victim squarely in the face. The onslaught continued with a series of repeated punches before transitioning to slaps, leaving the victim defenseless with futile attempts to shield herself.

Full Recap

2 MEN TRIED TO ILLEGALLY ENTER S’PORE VIA SAMPAN, GURKHAS & SPECIAL OPS DEPLOYED

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In the quiet hours of the night on November 20, the tranquil Tanah Merah Coast Road became a stage for a high-stakes operation as two Indonesian men attempted to enter Singapore unlawfully by sea, according to a report by The Straits Times.

The Coast Guard’s surveillance system, a silent sentinel in the dark, detected a fast-moving craft heading towards the shoreline at 11.58 pm.

Detection of the Fast-Moving Craft

The sudden blip on the surveillance radar triggered a swift response from law enforcement. The craft, skillfully avoiding floating sea barriers at the entrance of Tanah Merah Canal, landed on the coast nearby.

What ensued was a meticulously coordinated operation involving the Police Coast Guard (PCG), Bedok Police Division, the Gurkha Contingent, and the Special Operations Command.

The collaboration among these units underscored the gravity of the situation. Within seven hours of detection, the 33 and 36-year-old suspects were apprehended.

Shockingly, they were found without any valid travel documents. The vessel, a modest 5m fibreglass sampan equipped with an onboard motor, was confiscated.

Consequences

As the sun began to rise on November 21, the duo faced charges for their unlawful entry into Singapore. The potential consequences loomed large—a jail term of up to six months and at least three strokes of the cane.

The sampan, a seemingly inconspicuous vessel, raises questions about the audacity of those attempting such ventures. The onboard motor adds a layer of sophistication to what might be perceived as a rudimentary attempt at illegal entry.

GIRL SICK OF SMELLING HER BOYFRIEND’S FARTS EVERY DAY

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I’m tired of smelling my boyfriend’s farts/ass all day, everyday

I sniff his laundry to check if it’s dirty or not, chances are that any bottoms smell like ripe butt. I’ve gotten to a point where I don’t sniff anymore–if it’s on the floor, it’s dirty.

He eats curry or pizza? Well, I’m screwed for 24 hours. Constant fart odors in our room all day. I leave and come back, walk into fart zone. There’s a literal scent threshold that I cross in the door frame.

He hasn’t showered for more than 1 day? Swass through and through. Sitting down, standing up… even during intercourse if his cheeks are spread, I smell it.

I’m so tired of smelling this smell. I don’t know what to do. Is this normal for men? I’ve been with him for almost 7 years. I don’t know if it’s the fact that I never noticed until now or if he just stopped caring!!! Does this mean I don’t love him anymore? Help!!!!!!!!!

Oh and sometimes he doesn’t brush his teeth for a couple days.

Someone please save me.

Guess I should point out that when I say “bottoms” that doesn’t just mean underwear. I won’t sniff underwear. I mean jeans, sweatpants, other pants that don’t have stains on them so they look wearable again, but somehow they sometimes carry the butt smell. And tbh I didn’t think that was possible but it’s something Ive been noticing more and more lately so it’s weird.

MAN BUY FAKES ROLEX TO FIT IN AND SHOW OFFS, BECOMES LAUGHING STOCK

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A friend shared with us how shameless people can be just to “fit” with other friends and most of the time it’s just an inferiority complex.

Here is the story:

“In my circle of friends, we have those that come from a rich family and those from a normal or under average income family. However, we did not care as friendship is about being there for your friend and not based on money.

However, one certain individual has reached the pinnacle of his “hao lian” and now keeps putting up a show to flaunt his “wealth” but often craps in his own pants.

After one of my friends bought a Rolex, he decided that he will need one to fit in. He managed to buy a fake Rolex from overseas and claims that he has connections in high-end boutiques which allowed him to get the rare watch.

Its actually from a push cart located in Johor KSL mall

As it turns out, the whole group of friends knew that the watch was not real and yet he goes around showing his watch and said “Do you know what time it is?”. Obviously, he is not a smart person for doing this in the first place and he is also oblivious to all the shaming he gets for flaunting his non-existent wealth.

The real joke was, that he knew that he is not known as a rich individual among us and puts a fake story to cover another by saying that the watch was bought with an instalment plan.

Little did he know that buying luxury goods with an instalment plan is like taking a smack in his own face by saying “i want show i got money but i no money”

KTV VIET GIRL TOLD MAN’S WIFE TO HELP PEDDLE ILLEGAL SUBSTANCES, HUSBAND PANICS

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Please help me to post this. As I feel that as time goes on my chances of saving my wife is getting more and more dim.

Thank you reading the story below. Please don’t mind my English and forgive my grammatical errors.

It’s my first time wanted to post something. I’m not sure if this is the right channel to do so. But I hope that your social media reach can garner me some “moral” support.

Let’s call me R (41M) . I have been married to a Vietnamese lady and let’s call her PB (33F) . We were married this year in march.

I have suffered some losses due to a unforeseen business failure and have been settling issues since our marriage in march due to court cases. All things said and done. I am currently in the midst of being able to get back what I loss in business through alot of planning for a new endeavour.

My wife and I used to rent a place to live together before and through our marriage for a bout a year. Even though I have my own place under my name. She expressed that she was not comfortable staying with my elderly mum and sisters who are due to be married and leaving my place soon. And she also expressed that the rational is that it’s more convenient for her to go to work. As a loving boyfriend then and now husband. I obliged to her request out of love and meeting her needs.

After all the bad situations happend to me which almost landed me in prison. I had to pay hefty fine of 120K plus if not I will have to serve jail time. I was lucky that the judge allowed me to pay in installments of 20K per month after clearing at least 50% of the fine up front. I am happy that I struggled through that without even any help from her. As I do not want her to be overstressed due to our mother-in-law having cancer and living back in Vietnam.

Recently, in September we left our rental apartment as the lease ended. And because it is a tough time for me I am unable to get another rental immediately but will be able to do so in two months time since things are picking up for me due to the good graces of the universe and pure hardwork. I requested that she come back to our matrimonial home and legal address but got shot down by her saying it is not convenient for her work. She works in a KTV. And insisted that she wants to stay out in a rental room and only come back to our matrimonial home on Sunday and Monday to spend time with me and our family. Its really ridiculous but still I give trust as she promised that she will communicate with me about her whereabouts and let me know all is safe as she holds a LTVP which can easily be cancelled if she were to be caught doing any illegal activities.

She used to just work till 2am and come back home as fast as she could to be with me as all wife and husbands do. She used to let me know her whereabouts even when she is out for a booking with customers. Now she does not even tell me where she goes and what she is doing. She only texts me to say single liners like . “I’m ok” , “am busy” , no time to reply etc. Now she says she needs to work until 6am daily. Which I find puzzling and suspicious.

Ever since she stopped staying together with me.She doesn’t even reply as she used to. I suspect that she is doing alot of illegal things behind my back. But out of trust for her I let it go. The lack of communication is a red flag and drastic change.

And here comes the biggest drama which I hope the netizens will share this story and prevent any other man/woman from getting into this situation.

She has a “good lady friend” called M also a Vietnamese but much younger than my wife Recently on 18/09. My wife who usually texts me as soon as she wakes up. Suddenly tell me she is out with M in the afternoon. Usually when she wakes we will do a video call to check in with each other. Assuming she was still in grabcar I called her to check in awhile before I proceed for my meeting. She did not answer at all. Tried calling again she answered without activating video call and heard her saying she is in lady M home but I heard guys voices in the background. This immediately triggered me. As I know lady M’s husband as well. And that is definitely not M’s husband voice. Immediately, all things started going through my head and I called her till she answers a video call.

She finally answered showed she is in a kitchen with her “good lady friend” M. It’s definitely not M’s home. So I caught the first lie. And obvious my wife did not go home at all the night before. She is wearing an orange t-shirt which she has never had and I have never bought . I asked who is the guy they keep brushing me off and say they are at a mutual friend home. And got really upset as this is a first lie. Secondly, they were all slurring. Both woman especially my wife cannot drink alcohol. She gets drunk with less than 3 small glasses of beer. Being aware of Illicit substances use . It is confirmed that they have been using Illicit substance since early morning of 17 October. I k

STINGY BF TOLD GF THAT SHE NEEDS TO PAY HER BACK 15 CENTS

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My boyfriend is older than me. He is working full time while I am doing my own business. However, my income is about 3-4 times more than his. I didn’t think this would matter at first because he is a very nice man in general… He speaks politely to the elders, he is a responsible and loyal man and he is also very good with house chores (even better than I am).

But as time goes by, our arguments started revolving around money. When we go for meals together, he will always tell me restaurants are overpriced, we should stick to hawker centre food. I am okay and happy with it. But.. it was so rare for us to eat in restaurants. Sometimes, when business is good and I want to reward myself, I would suggest eating out at a fairly expensive restaurant (bill maybe adds up to about $60-$80). And it hurts me when I see him looking through the menu & not really happy to eat there because it is expensive. But once I offer to pay, he will order more than usual and even start complaining about the food while we are eating.. Like how it tastes just like hawker food so not worth it to pay more blabla…

Since the start of our relationship, he has been a very frugal person, while I usually don’t really look into the dollars and cents when I buy something (I do have an ok amount of savings for my age and I don’t live from paycheck to paycheck). But I was also surprised when he started documenting down all our expenses in a table form and he will even record down to the cents for all of our expenses.. Our typical practice is he pays for everything first then end of the month we split them down to 50-50.

I was also initially okay with this arrangement. And also thought that he is very nice to offer to pay 50% even though he earns significantly lesser. But what I couldn’t accept was that every single expense was 50-50. Sometimes when I look at something that I really wanted to buy (e.g. A piece of cake/ A cup of coffee), he will rarely offer to buy it for me as a treat and he will just stand there and watch me take out my wallet to pay.. Or when he does, he will start to pull that out during our quarrels to prove that he is generous.

I also will buy things for his parents during occasions like their birthdays, father’s/mother’s day, cny, etc. But he has never bought my parents any gifts besides some food he brings over sometimes when he visits.

Sometimes, when I am bothered by it, I do sit him down and speak to him about it. I also asked if it’s okay to not count everything down to dollars and cents e.g. he could try paying for one meal while i pay for the next. doesn’t matter who pays more, let’s not be so calculative to each other about it since we are a couple. but he hasn’t been receptive towards it and he thinks his way of doing things is fair. he will then start talking about how he has certain limitations like his job doesn’t pay him that much what can he do, i earn more so i should be able to pay for my own things. He also doesn’t dream of earning big. He is a very contented person and he is happy with his current income, he doesn’t see a need to earn more.

Just last week, he popped the question.. I do love him a lot but these thoughts will always be at the back of my head. What should i do..?