How Much Singaporeans Should Earn and Update Fourteen of Defamation Funds

I was sued by the Singapore prime minister for an article on this blog and have been asked to pay him S$180,000.

Thank you everyone for your support and contributing to the funds for the defamation suit. I am very thankful and grateful for your support. It would have been difficult to do this alone.

As of 11am today, I have raised S$28,950.99. 

The funds were raised from the POSB bank account and PayPal, and also from customers at my dad’s stall who have been kind enough to support. A nice lady also recognised me on the street and also gave me S$150.

(1) POSB Savings Bank Account 130-23068-7 (Ngerng Yi Ling): S$22,904.70

Defamation Suit Funds Raised 30 March 2016

(2) PayPal (royngerng@gmail.com): S$4,532.29

PayPal 30 March 2016 a.png

One person left this note on PayPal as well. Thank you for your note!

PayPal 30 March 2016 b

(3) Customers at my dad’s carrot cake stall: S$350

My dad sells carrot cake at Block 107 in Ang Mo Kio. Some people had visited my dad’s stall to pass him some contributions.

A man gave my dad S$350 for the fund raising yesterday. Thank you for your help!

Some people have also said that they would like to visit my dad’s stall to eat the carrot cake. Just to let you know, he is open on Monday, Tuesday, Thursday and Friday from about 4pm to about 11pm/midnight.

The funds coming in have slowed down. But as long as when there are funds coming in, I will update them on the blog.

Singapore 2.jpg

A few days ago, I made some rough calculations on my Facebook about how much Singaporeans should earn to have a most basic standard of living and thought to share it here:

The Singapore Government Wants Singaporeans to be “Self-Reliant” but the Government Does Not Allow Singaporeans to be “Self-Reliant”

You can also read it below:

Here’s another thought.

How much do you need to spend on the following every month, at the very least? (for individuals):

  • Food: S$450 (S$15 × 30 days)
  • Transport: S$100
  • Housing: S$500 (cash mortgage, estimated)
  • Healthcare: S$500 (for insurance, estimated)*
  • University Fees: S$100**
  • CPF: 20% (employee contribution)
  • Pension: S$500***
  • Other bills: S$200 (public utilities, telecommunications, estimated)
  • Other necessities: S$300 (for clothes, furniture, electrical appliances etc, estimated)

Total: About S$3,300 (inclusive of 20% employee CPF contribution, for all estimates)

(Please also do your own estimates.)

*Medisave and MediShield Life does not fully cover for healthcare. To have adequate protection, it is necessary to buy insurance for hospitalisation and accidents.
**Assuming S$32,200 is paid to a 4-year university course (at cheapest current fees), or about S$100 every month for 27 years (without interest earned) – almost the work span of a person.
***CPF does not provide for adequate retirement. It is necessary to invest a separate pool of money to earn interest, to be able to save enough to retire.

~~~~~

Below, I made some amendments to the estimated expenditure, based on the following assumptions:

  1. What Singaporeans pay into Medisave is already enough to provide free healthcare for all Singaporeans. Assuming healthcare can therefore be provided free, a negligible amount needs to be paid.
  2. There is enough budget surplus to provide free education for all Singaporeans. Assuming education can therefore be provided free, a negligible amount needs to be paid.
  3. There is enough budget surplus to provide additional pension for elderly Singaporeans. Also, if GIC returns the interest it earns on Singaporeans’ CPF, the CPF adequacy will also increase. Assuming CPF can be made adequate and the government provides an additional pension, a negligible amount needs to be set aside.

This is the amended expected spending, based on the above assumptions (for individuals, assuming with free healthcare, education and adequate pension):

  • Food: S$450 (S$15 x 30 days)
  • Transport: S$100
  • Housing: S$500 (cash mortgage, estimated)
  • Healthcare: S$0
  • University Fees: S$0
  • CPF: 20% (employee contribution)
  • Pension: S$0
  • Other bills: S$200 (public utilities, telecommunications, estimated)
  • Other necessities: S$300 (for clothes, furniture, electrical appliances etc, estimated)

Total: About S$1,900

~~~~~

This is what the above exercise means:

  1. If there is free healthcare and education in Singapore, and adequate national pension, a minimum wage of about S$1,900 would be enough to ensure that all Singaporeans would have the most basic standard of living. (This is similar to the situation in Japan now, which has a similar cost of living and where minimum wage is S$2,000.)
  2. However, with the current system where Singaporeans are required to buy additional insurance for healthcare, and set aside additional money for university and pension, a minimum wage of at least S$3,000 would be necessary.
  3. However, today, cleaners earn only about S$1,000 and there are about 10% of Singaporeans who earn less than S$1,000. Also, 30% earn less than S$2,000 and 50% who earn less than S$3,000. An estimated 30% of Singaporeans are living in poverty. This means that at least 30% to half of Singaporeans do not earn enough to have a most basic standard of living.

~~~~~

For couples: 

But the above estimates are only for individuals. For couples with two children, they would need to double the estimates for food, transport and healthcare, and housing for a bigger apartment (and perhaps also increase spending for telecommunications and other necessities).

Under the current system, a couple would need to each earn at least S$4,600.

If there is free healthcare and education, and adequate pension, a couple would need to each earn at least S$2,600.

  1. Today, about 45% of Singaporeans earn less than S$2,600 and about 70% of Singaporeans earn less than S$4,600.
  2. If a couple decides to have children today and if they belong to the bottom 70%, they are likely to live in perpetual debt.

~~~~~

Conclusion:

(A) There is currently enough budget surplus (and Singaporeans already pay enough) to provide free healthcare and education, and adequate pension for Singaporeans.

(B) If this is done, a minimum wage of S$2,500 should be implemented in Singapore, so that all Singaporeans will be able to have the most basic standard of living, and still be able to have children and not go into debt. (In comparison, for countries with a similar cost of living, Australia has a minimum wage of S$3,000 and low-income earners in Switzerland also earn S$3,000.)

(C) Under the current system where Singaporeans have to fork out additional for healthcare, education and pension, the minimum wage should be set at about S$4,500.

(In comparison, for Norway, which has a similar GDP per capita and cost of living as Singapore, the lowest income earner earns S$5,000, so a minimum wage of S$4,500 is not far-fetched. Norway is said to have high personal income tax but the average personal income tax rate is 39%. Singaporeans pay 37% into CPF, which is not that different. Tax in Norway and CPF in Singapore serves the same function of providing for healthcare, education and retirement, so their fundamental usage is similar. Moreover, there is free healthcare and education for Norwegians which means that the purchasing power is a lot higher for Norwegians even if Singapore would have a minimum wage is S$4,500. But with Singaporeans still earning as low as S$1,000 or less, you can imagine how horrendous it is today for the majority of Singaporeans. Or rather, hopefully you can realise.)

~~~~~

How can Singaporeans be expected to be “self-reliant” when the government does not allow them to have enough to do so?

The whole point of this exercise is this – the government wants Singaporeans to be “self-reliant”. If so, the government should ensure that Singaporeans are paid enough to be “self-reliant”.

If Singaporeans are not paid enough, then how can they ever be “self-reliant”? If 70% of Singaporeans earn less than S$4,500 when this is the minimum they need, then how can 70% of Singaporeans be expected to be “self-reliant”?

It is irresponsible of a government to want Singaporeans to be “self-reliant” when it does not provide adequate resources for Singaporeans to do so.

Then the government is shirking its responsibility.

~~~~~

Anyway, you can also do your own estimates and we can exchange our estimates.

You can leave your estimates as a comment below.

Afternote: The estimates for the components will cause the minimum amount to vary. For example, if health insurance is about S$200 and the additional amount set aside for pension contribution is S$250, then a single person should earn at least S$2,600 every month and a married couple should minimally earn S$3,600 each, or which the minimum wage should be set by this level – about 55% of Singaporeans earn less than this today. (This is slightly higher than Australia and Switzerland’s minimum.)

Thank You for Your Support for the Fund Raising

As of this morning, a total of $$28,950.99 has been raised. I still have to pay another S$150,000 to the prime minister.

If you would also like to help to defray the costs and damages, you can also fund raise to the bank account at POSB Savings Bank Account 130-23068-7 (Ngerng Yi Ling) or PayPal at royngerng@gmail.com. Thank you.

The funds coming in have slowed down. But for transparency, I will continue to update on the funds raised and used, on this blog.

Meanwhile, I have also attached my LinkedIn profile here, if it might be of interest.

View Roy Ngerng's profile on LinkedIn

View Roy Ngerng's LinkedIn profile View Roy Ngerng’s profile

*****

Background: In 2014, I was sued by the Singapore prime minister for defamation. The judge ruled in a summary judgment that I have defamed him. I have apologised to the prime minister. I was ordered to pay damages of S$150,000 to him. In a settlement reached with the help of my lawyer Eugene Thuraisingam, I am to pay an additional S$30,000 in costs. In total, including the previous payment that I have made to the costs of the summary judgment (S$29,000) and application for the Queen’s Counsel (S$6,000), I would have paid/will pay S$215,000. 

Last Wednesday, I have paid the first tranche of S$30,000 (of the S$180,000) to the prime minister. From April 1, 2016, for the next 5 years, I have to pay $100 every month. Thereafter, from 2021, I have to pay $1,000 every month until I finish paying.

You can read the previous updates here: [One] [Two] [Three] [Four] [Five] [Six] [Seven] [Eight] [Nine] [Ten] [Eleven] [Twelve] [Thirteen]. I would like to thank Mothership.sg for reporting about the fund raising. 

You can also read the previous update on the funds raised in 2014 and its usage. I would like to thank The Straits Times for reporting about it. There were also inaccurate online reports that the funds were used to pay overseas trips. This is untrue. You can read more about these in the update here.

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18 comments

  1. PAP rulez

    Residents in Bukit Batok should always vote for PAP Murali. CSJ and his party is corrupt, traitorous, political hooligan and full of lies. He is a double headed snake. CSJ is venomous and the parliament has no seat for a gangster like him. On the other hand, PAP Murali is a faithful servant of LKY’s legacy. He is serving the PM who has inherited the good imperial genes of LKY. CSJ and his gang (including his supporters) are people with unsuccessful genes. Their genes are highly undesirable in the Singapore context. By voting for CSJ, the residents are actually voting in a politically impotent soldier to parliament. There are already a few impotent clowns in the parliament and Singaporeans don’t need anymore. Not only do they not be able to serve the residents of their constituency well, they will make a mess of their accounts. CSJ is akin to Roy Ngerng and all the lowly-rejects of society. They are useless and worthless, deserved to be spat at and despised, let alone to run a town council. Give PAP the full mandate in the by election!

    • PAP rulez

      Those who do not vote for PAP Murali in the coming election will be ostracized, unfriended, and discriminated.

      • unfaithful

        Of what i know PAP people don’t talk like this.you are a foreign bastard who we let you work here and stay here.fuck off and don’t meddle with our countrys politics!

  2. unfaithful

    and if we see this kind of letter again we will hunt you down and throw you in the shit pool! go back to your own country or fuck of to another!

  3. K~

    The current lack of miniumum wage really makes life unsustainable and raising a child or children unsustainable, except for upper middle income. Middle income are also struggling. What kind of society do we want to live in? A society where a carpenter, bus driver and a janitor are all treated equally. You can tell how untrusting Singapore society is, here when one steps into a shop, many a times, the staff immediately steps forward not to help you, but to check whether you are gonna steal something and sorta tracks your movements in the shop. Versus, when one goes overseas, the staff in the shop chit-chats with you, even when you are Asian, and they are white and may have a mistrust thereforth. Singaporeans also do not know their neighbours, many times, at least more than 50% of them. Frankly, because we need our privacy, and there’s no privacy; but also because people do not trust one another. Can we really say Singaporeans are different and have to be managed? No? People are the same all over the world. They respond to kindness, and humanity. The Asian mindset of course, sadly scorns at this, many subscribe to money and ‘reputation’ are king. This creates the cutthroat and mistrusting society of Singapore, where when you stop to do a survey and card for a charity, the first question is how much you earn? what’s your career? in their casual talk with you.

    Can we say a security worker can’t raise a well-rounded kid? And kids for our future? Of course, not But they face hardships and numerous sacrifices one earning a high wage can’t imagine, when one earns a low wage in Singapore. One faces indignities, like when the cashier at NTUC treats you with a disdainful expression, when you buy too few items. Or we want a society where class and caste are not predominant, and a more contented way of living? Instead of working longer hours and worrying about money and retirement matters. Frankly, university fees of tens of thousands take at least 6-7 years to repay, if you were to forgo all your bonuses, and contribute monthly as well. Most take more than that. Then, you have to save for your kids’ tuition fees because academics is still important, so is CCA, then save for their university fees, times a few kids. Because you have worries that they end up as a low wage worker, where they have to compete with regional low-wage workers, predominant and numbers stimulated over decades. Okay, then get a small HDB??? well, kids need their room too, maybe compromise, never mind get a small HDB where you can lease for 99 to 100 years, so mortgage. Coupled with crowded Singapore, which anyone can guess has a really high density. Think even animals can’t live in a crowded place, with good mental health, and no disease outbreak. Then save for retirement. Oh shit, some people work all their lives. And really need a break by the age of 60. What’s the point of life? Damn can’t withdraw. Work for another few years, get diseases for some by now. I have to say the most immoral thing is to take away one’s money and retirement. I feel Singapore in the 70s and 80s onwards could have invested in all workers automatically, and move to higher tech training and industries for everyone, building an Asian brand, where everyone gets training early on in specialised high-tech industries, in national free institutions provided. A lower class size to make sure no student falls behind and no streaming into various classes or streams. Then, people will prosper, and have time for themselves. Which relates to a healthier society.

    Somehow today, you can’t feel that we have a collective identity, many often treat Singapore disdainfully, and still love their country better, and find that Singapore wasn’t as rich as they had thought. You seldom hear an overwhelming sense of pride among many newcomers towards Singapore. Same color doesn’t immediately make people from different places united. Love for each other and enjoying the country, having an equal standard of living do.

    Singapore is an obedient nation with hardworking workers, nobody begs for a living, unless they have to; despite what some news quotes or reports from foreign bosses may say. Frankly, low wage for the people who can’t make it, is not gonna cut it. It creates an unhealthy society mentally, and where everyone is striving for high amounts of money, sometimes unscrupulously.
    Roy, some may hate you but a society where no one voices out and everyone protects the institutions blindly is a really scary nation and dumb. X

  4. pissedofsingaporean

    Has anyone noticed that when Roy is looking to raise fund, he starts with all the writings again for publicity. Whereas right after the election i.e crushing loss, he went silent.

  5. 谁才是骗子, 不忠不义不仁

    亲爱的PAP rulez,如果你是华人, 相信您会看懂我写的中文.
    如果您是华人看不懂我写的中文, 则只有证明我们的双语教育失败.
    CSJ是骗子吗?
    谁才是真正的骗子呢?
    请去查阅真正的新加坡历史.
    LKY把他一起共事的党友如林请祥等关进监牢多年,未经公平审讯, 使他们的父母老婆老公天天期待天天以泪洗面,而他却天天享天伦之乐.
    他是不是不忠不羲不仁之人呢?
    还有二次大战, 日军在新加坡大检举, 他为什么能逃过大屠杀.
    他是不是也是个奸人呢?

    请阅读下面链
    https://wangruirong.wordpress.com/2016/03/23/%E6%9D%8E%E5%85%89%E8%80%80%E6%98%AF%E6%96%B0%E5%8A%A0%E5%9D%A1%E4%BA%BA%E6%B0%91%E6%8A%97%E6%97%A5%E3%80%81%E5%8F%8D%E6%AE%96%E6%B0%91%E4%B8%BB%E4%B9%89%E4%B8%8E%E4%BA%89%E5%8F%96%E7%8B%AC%E7%AB%8B/

  6. Hopeless

    Yes Skillsfuture! Maybe i can get a higherpay.
    it goes like this-a sweeper will learn to become a supervisor.he doesn’t need to sweep the floor anymore.let the rubbish pileup.a bus driver will be thinking becoming a pilot.so all fly high up the sky leaving you and me late for work.a nurse will become docter.so docters are back to giving showers to patient.good stress relieve.just the list goes on.i dont know babys of the future have to work or not.i am 69 now.must i go back to school to learn abc?actualy i had forgoten what i learn before.i just want to retire.sigh!!!

  7. Pingback: Update 15 of Defamation Funds & All-You-Need-to-Know Singapore Statistics | The Heart Truths
  8. Singapore Citizen Mr. Teo En Ming (Zhang Enming)

    Subtle Denial of Medical Treatment by the Singapore Government for Mr. Teo En Ming (Zhang Enming)

    Dear Sir/Madam,

    Please refer to the following letter (PDF format), addressed to the United Nations Human Rights Council, for more information and details about my predicament. The letter was dated 14th March 2015 Saturday.

    Link: https://www.scribd.com/doc/258700156/Subtle-Denial-of-Medical-Treatment-by-the-Singapore-Government-for-Mr-Teo-En-Ming-Zhang-Enming

    Thank you very much for your kind attention.

    Yours sincerely,

    Mr. Teo En Ming (Zhang Enming)
    SINGAPORE CITIZEN
    TARGETED INDIVIDUAL (TI)
    Mr. Teo En Ming (Zhang Enming) is Persecuted, Targeted, and Blacklisted by the Singapore Government led by Prime Minister Lee Hsien Loong
    10th April 2016 Sunday 10:03 AM Singapore Time GMT+8
    Age: 38 Years Old

  9. Singapore Citizen Mr. Teo En Ming (Zhang Enming)

    Subtle Denial of Medical Treatment by the Singapore Government for Mr. Teo En Ming (Zhang Enming)

    Dear Sir/Madam,

    Please refer to the following letter (PDF format), addressed to the United Nations Human Rights Council, for more information and details about my predicament. The letter was dated 14th March 2015 Saturday.

    Thank you very much for your kind attention.

    Yours sincerely,

    Mr. Teo En Ming (Zhang Enming)
    SINGAPORE CITIZEN
    TARGETED INDIVIDUAL (TI)
    Mr. Teo En Ming (Zhang Enming) is Persecuted, Targeted, and Blacklisted by the Singapore Government led by Prime Minister Lee Hsien Loong
    10th April 2016 Sunday 10:03 AM Singapore Time GMT+8
    Age: 38 Years Old

  10. Singapore Citizen Mr. Teo En Ming (Zhang Enming)

    Official Complaint Against the Singapore Government for Allegedly Falsifying Mr. Teo En Ming’s Medical Records

    Dear Sir/Madam,

    Please refer to the following letter (PDF format), addressed to the United Nations Human Rights Council, for more information and details about my predicament. The letter was dated 10th October 2014 Friday.

    Thank you very much for your kind attention.

    Yours sincerely,

    Mr. Teo En Ming (Zhang Enming)
    SINGAPORE CITIZEN
    TARGETED INDIVIDUAL (TI)
    Mr. Teo En Ming (Zhang Enming) is Persecuted, Targeted, and Blacklisted by the Singapore Government led by Prime Minister Lee Hsien Loong
    10th April 2016 Sunday 10:03 AM Singapore Time GMT+8
    Age: 38 Years Old

  11. Pingback: Defamation Funds Update 18: I Still Have to Pay the Prime Minister S$149,800 | The Heart Truths
  12. Pingback: Defamation Funds Update 19 | The Heart Truths

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