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The Big Read: At Singapore’s last kampong, villagers cast a wary eye on the future

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SINGAPORE — The sleepy rhythms of Kampung Lorong Buangkok are thrown off kilter with some regularity these days, and given the interest re-ignited in the area by this week’s Parliament sitting, things are set to get a lot busier for residents.

If anything, residents are more than prepared for “intruders”. On a visit earlier this week, a sprightly woman approached a reporter and asked, in Mandarin: “Yes? Another reporter? You want to ask me about what I feel about this kampung, right?”

Mdm Sng Mui Hong, 65, has had a front-row seat to the times of Kampung Lorong Buangkok — from the massive floods of the mid-1970s to its current status as a curiosity of sorts for all manner of Singaporeans and tourists.

She is, after all, not just another kampong-dweller. To some, the resident of 62 years is known as ‘towkay’; to others, she is their landlady, who oversees day-to-day administration of the village. Her father, the late Mr Sng Teow Koon, bought the land on which the kampung now sits in 1956, and began renting out space at low prices to a mixture of Malay and Chinese families.

In the over 50 years she has lived in the village, she has greeted all manner of visitors – from tourists to students to the Prime Minister himself. 

To the residents of the 26 houses in Kampung Lorong Buangkok, living in mainland Singapore’s last surviving kampung is a badge of honour. 

And while they are, in true kampung spirit, welcoming of one and all, they draw a line at being viewed as some lost tribe that is now a beacon for the curious. reduced to being exhibits in a quaint fishbowl. They remain proud of their way of life, and want to be treated with respect. 

But while there has always been a smattering of visitors, things are about to get a lot more hectic for the residents. Kampung Lorong Buangkok was thrust back into the spotlight earlier in the week, when Member of Parliament (Ang Mo Kio) Dr Intan Azura Mokhtar raised an adjournment motion on the need to preserve green spaces and heritage in her Jalan Kayu constituency. 

Dr Intan had on Monday (Oct 2) proposed that the authorities preserve the kampung, which sits on a 1.22 ha plot of land, as a conservation or heritage education site. 

Second Minister for National Development Desmond Lee said in response that there was “no intention” to begin developing the area “in the near future”. 

Mr Lee told the House on Monday that while any future developments, which could include schools and a major road in Seletar,  need to be carried out in a “holistic and coherent way”, they have to involve deep engagement with the families in the kampung. 

“Some may not want to move away…but they may also not want their community to be turned into an educational or heritage attraction, drawing crowds of curious visitors,” he said.

Of course, being Singapore’s last remaining kampung on the mainland – the only other one left on the island, Kampung Khatib Bongsu, was demolished in 2007 – means the curiosity factor of Kampung Lorong Buangkok will likely go through the roof soon. 

Above: Visitors to Kampung Buangkok included students on excursions, tourists from places like India, Japan and the United States, and other Singaporeans intrigued by kampong life. Photo: Raj Nadarajan/TODAY

Of late, visitors have included students on excursion, tourists from places like India, Japan and the United States, and other Singaporeans intrigued by a bygone way of life. Film crews have also descended upon the village, along with their crates of equipment and sizeable entourages. 

Mdm Sng, like some of the residents TODAY spoke to, were largely receptive to this, but stressed that there are rules that visitors need to play by.

These include not intruding on residents’ privacy by sticking camera lenses into living rooms, or causing a ruckus at odd hours of the day. 


Above: 91-year-old Omar Dengkil has lived in Kampung Buangkok for around 67 years, since it began in the 50s. Photo: Raj Nadarajan/TODAY

Outside the house of Mr Omar Dengkil, 91, a sign reminds visitors that those who want to get a picture or video of the house ought to get permission first. 

When asked, Mr Omar, who has lived in the kampung since its beginnings in the  1950s, said that while he was more than happy to answer questions about the area or show visitors around, he did not welcome cameras in the house, at least not without his permission.

A 47-year-old housewife who only gave her name as Lina told TODAY that there have been times when she felt like “shutting myself in the house”, because of the overwhelming number of visitors. 

“Sometimes, I just don’t want to answer the door, or open my windows. If not (visitors) would come by and start taking pictures of the inside of my house,” she added. 

Mdm Lina lives in the kampung with her mother, husband and three children. She grew up there, then moved to a Housing Board flat, before moving back to take care of her mother, who has dementia. 

Another thing that irks her is how visitors and acquaintances they tend to ask the same question: “They like to ask me when the Government will be taking the land back, and (if they do) how much we will be getting in compensation.” 

“After a while, it becomes very frustrating, because we ourselves are not sure when this will happen,” she said. 

Her children, too, get questions about life in a kampung, not just from friends, but also their teachers in school. While they take it in their stride to provide as much information as they can, “it gets a bit too much after a while”, said Mdm Lina. 

Above: 83-year-old Awe Ludin has been living in Kampung Buangkok for more than 50 years. He welcomes visitors to his courtyard, and even keeps pet roosters for schoolchildren to see. “Otherwise, they won’t know what a live chicken looks like,” he says. Photo: Raj Nadarajan/TODAY

But other residents, like 83-year-old Awe Ludin, simply shrug and accept that this is the way things are, and will likely be for a while. 

He welcomes visitors to his courtyard, and even keeps pet roosters for schoolchildren to see. 

“Otherwise, they won’t know what a live chicken looks like. They only know it when it’s fried chicken,” he chuckled. 

Another thing residents would like the visitors to know is that having strangers traipse through the grounds at all hours is not something normal.

Mdm Sng told TODAY that kampungs usually restrict visitors. 

This stems from a desire to protect the village’s women from male trespassers.

However, she came up with the idea of opening the doors to provide Singaporeans with an education of sorts, so they could better appreciate a way of life that was once common in the country.

When Kampung Lorong Buangkok began life in 1956, such dwellings were common in Singapore.

At its peak, more than 40 households called the place home, but that number has fallen by almost half now.

Despite some misgivings, Mdm Sng said opening up the village was the right thing to do, to give Singaporeans an education of sorts and an insight into a way of life that has all but disappeared.

Yet, while visitors can sometimes seem like a nuisance, there are other, perhaps more potent, challenges over the horizon for the villagers.

Above: New HDB developments seen next to a kampung house in in Kampung Buangkok. Photo: Raj Nadarajan/TODAY

A skyward glance from any point in the village reveals the issue. Here, blocks of flats loom over the kampung. There, a landed estate is kept at bay by a canal. And at its edge, held back by metal fences, workers in yellow hard hats are busy putting up new HDB flats, shattering the mid-afternoon quiet with their tools.

Mdm Lina has seen change shrink the boundaries of the village. Her house was once bordered by shrubs and greenery. 

These days, the trees are gone, and concrete hulks that will eventually become homes for other Singaporeans are towering over her home, a red and white panelled three-bedroom house. 

Other reminders that the kampung is a relic of a bygone era abound, including some that sound mundane, but speak to the pace of change in Singapore.  For example, where on earth does one find a zinc roof supplier in Singapore these days?

There was a time when they were ubiquitous, back when such roofs were de rigueur here. As such homes disappeared, so did the folks supplying such items, and now, finding one is a real challenge.

Each roof panel can last a resident an average of three to four years before it gives way, and when it does, the real problem arises. Supplies are hard to come by, and even if you can find a zinc roof, good luck finding someone who can do the replacement. Mdm Lina’s husband said he had to pick up the skill from her late brother, but admits that there “are not many people left who know how to (handle zinc roofs)”. Despite these challenges, and the uncertainty that lies ahead, many residents are insistent on staying, as they feel their way of life is far superior to that of the average HDB dweller. 

Among the reasons they cite are space and the neighbourliness that HDB living does not offer. 

Mr Omar, for instance, recalled how everyone, Malay and Chinese, pitched in when help was needed to prepare land for a  Muslim prayer hall. While some gathered leaves and rocks to lay the foundation, others with skills helped erect the building, which now sits proudly in the village’s centre, its pastel shades standing in stark contrast to the muted colours of the surrounding houses. 


Above: Jamil Kamsah,62, has lived in the area since 1965. He recalls catching fish from the nearby drain when he was younger. He disapproves of recreating a mock-up of the kampong: “It’s not the same…almost like taking away the real heritage of the area.” Photo: Raj Nadarajan/TODAY

Given their druthers, then, villagers say they would want the kampung to be kept as is, failing which, conservation would also be welcome. It would be a waste to see it go, said former make-up artist Jamil Kamsah, who has lived in the area since 1965, and recalls catching fish from the nearby drain when he was younger. 

“We should never forget our roots…where we came from,” he told TODAY as he went about tidying up the lush garden surrounding the house. 

For many, however, dreams have given way to reality. Mdm Lina, for instance, said she has already made “mental plans to move out”.

“What can we do? If (the Government) wants us to move, we have to, right?” she said with a shrug. 

Chiming in, Mdm Sng added: “If they need the land, no amount of pleading can help. We just have to accept fate and carry on (with life).”

Mr Awe added: “I’ve seen a friend cry when he had to move out of his kampung.

“I think my wife might cry (if we need to leave this kampung), but…I won’t cry. Men…cannot cry, lah,” he quipped

If, or when, that happens, Mdm Lina and others said they would have just one wish.

“At least they should preserve the buildings here, even if we (cannot stay),” she said.

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What is the cost of refinancing in Singapore and is it worth it?

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So you’ve just seen how much you’re paying this month on your home loan, and you’re seriously considering switching to another bank with the lower interest rates…

Except you don’t know if refinancing is a good choice. Will it really be able to save you money in the long-term? Is the cost of refinancing really worth it? Here are some costs you will encounter when refinancing your home loan:

IF YOU ARE STILL WITHIN YOUR LOCK-IN PERIOD: PREPAYMENT PENALTY

If you’ve more than 6 months to go before the end of your lock-in aka the “commitment” period (as the banks would put it), refinancing would incur redemption fees of about 1.5 per cent of your outstanding loan amount.

Imagine you’ve taken up a $500,000 mortgage loan, and you’ve paid up $200,000 of the principal, with $300,000 outstanding. Your lock-in penalty would be 1.5 per cent of $300,000. That’s $4,500 if you repaid or refinanced during the lock-in period.

However, you shouldn’t wait till the lock-in period to end before starting the refinancing process. However, you need give your current bank at least 3 months notice.

Ideally, you should try to get a refinancing contract from your new bank when there’s less than 6 months left in your lock-in period with your current bank. This is because the contract signed with your new bank is effective for 6 months, and with home loan interest rates rising, you’ll want to lock in a good rate early.

Anyway, by the time all the processing has been done, your lock-in period would’ve ended.

IF YOUR LOAN IS NOT FULLY DISBURSED: CANCELLATION FEES

If the bank has not fully disbursed your loan amount for a new housing development since the building has yet to obtain its Certificate of Statutory Completion, or CSC, make sure you know the cost of refinancing.

Just like there’s a penalty for prematurely cancelling all contracts, a mortgage loan is no exception. If you want to refinance before the CSC, you’ll need to pay a cancellation fee. This is usually 0.75 per cent to 1.5 per cent of the amount that hasn’t been disbursed yet.

Say you’ve taken up a $500,000 mortgage loan to purchase a new condominium unit worth $1 million. The building has just obtained the Temporary Occupation Permit, or TOP, so the bank has yet to disburse the remaining 15 per cent of the purchase price ($150,000).

You decide to cancel and pay up the remaining owed amount yourself. Assuming the bank charges a 1.5 per cent loan cancellation fee, you’ll have to pay $2,250 (0.15 X 0.015 X $1mil).

The good news is if your property is a completed property when you bought it, the loan from the bank would be disburse at one shot lah. So unless you’re buying a new development, a cancellation fee won’t apply to you.

IF YOUR LOAN IS BELOW $300,000 (HDB) OR $500,000 (PRIVATE) WHEN YOU REFINANCE: LEGAL CHARGES

When you first took up your mortgage loan, there were legal charges due to the paperwork involved.

Now, when you refinance, the new bank has to go through the same paperwork again. Hence, you’ll get slapped with a new set of legal charges.

These charges can range anywhere between $1,800 for HDBs, to $3,000 for private properties.

The MAS has implemented new regulations in 2012 to make it more difficult for banks to provide any form of subsidy for residential property loans.

However, banks still do give subsidies for legal charges incurred in refinancing cases. If your loan amount is above $300,000 (for HDB) or $500,000 (for private property), your new bank would subsidize approximately $1,800 and $2,000 respectively.

If your loan amount is below the aforementioned figures, you may receive less subsidies, or in the worst case, nothing at all.

However, don’t rejoice just because you’ve received a legal subsidy…

IF YOU’VE BEEN GIVEN A LEGAL SUBSIDY BY YOUR CURRENT BANK: CLAWBACK FEES

If you took up your mortgage loan before MAS’s rules were implemented in 2012, or you’ve refinanced with your current bank previously and they gave you a legal subsidy, your contract has what is known as a “clawback period”.

(Note that this is separate from the lock-in period.)

Think of this as a temporary guarantee you’ve given to the bank that you’ll stay with them since they’ve helped you offset your legal charges.

Clawback periods are usually 3 years long. Like the lock-in period, if you do not fulfil the bank’s clawback period, you’ll have to pay them back whatever’s they’ve subsidized you.

FOR ALL CASES: VALUATION FEES

When you refinance, your new bank would have to evaluate your property’s value again.

For this alone, you’ll have to pay the bank anywhere between $250 to even $1,000 or higher, depending on the value of your property and whether it’s a private property or HDB.

SO WITH ALL THESE FEES, IS REFINANCING WORTH IT?

In summary, while the purpose of refinancing is to lower your monthly repayment, you NEED to check that the cost of refinancing doesn’t exceed the amount you stand to save.

Consider these examples:

SCENARIO 1

You have an outstanding HDB loan of $200,000 with 20 years remaining, at a 2.6 per cent interest rate.

You are paying $1,070 a month.

Say you find a bank willing to refinance at a 1.5 per cent interest rate.

That means you now only need to pay $966 a month, or $104 less each month that what you are paying now.

That’s great!

However, because the outstanding loan amount is less than $300,000, your new bank does not subsidize the legal charges.

The cost of refinancing is $2,250 in total: $2,000 in legal charges, and $250 in valuation fees.

So although you can look forward to paying $104 less each month, you have to pay $2,250 upfront.

In other words, it will take 22 months before you’re actually seeing any savings. That’s almost 2 years!

SCENARIO 2:

Now imagine your outstanding HDB loan is $500,000, also with 20 years remaining, at a 2.6 per cent interest rate.

You are paying $2,674 a month.

Say you find a bank willing to refinance at a 1.5 per cent interest rate.

That means you only need to pay $2,413 a month, or $261 less each month that what you are paying now!

What’s more, since your outstanding loan amount is above $300,000, your new bank offers you a $1,800 subsidy on your legal charges.

So even though your total cost of refinancing should be $2,250, you’ll only have to pay $450.

This means that after only 2 months, you’ll already be enjoying your savings!

HOW WOULD I KNOW MY COST OF REFINANCING?

Give our friendly mortgage brokers a call.

They’ll be happy to explain all the potential costs you might encounter, as well as help you find the best home loan refinancing options in Singapore.

What else do you consider other than the cost of refinancing? Share your thoughts with us.

Saturday, October 7, 2017 – 17:00

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Mediacorp investigating workplace sexism allegations

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The media conglomerate does not condone sexism in the workplace and takes a very serious view of the matter, it said.

The Mediacorp Campus at one-north.

SINGAPORE: Mediacorp is investigating claims made by an employee that she was on the receiving end of sexist remarks by a co-worker, it said on Friday (Oct 6).

The Channel NewsAsia producer who made the complaints shared screengrabs of a WhatsApp conversation that allegedly took place between herself and a co-worker on Facebook, with the caption “Sexism in 2017”.

In the conversation, she confronted her co-worker over comments he allegedly made telling her she could not be a presenter because of her physical attributes and that “girls shouldn’t be too smart for their own good”.

“You can say they are jokes. But it is really an insult to all the hard work I’ve put in to get here,” she wrote. In response, the person apologised and said it was “meant as a joke” and that “it’s how the industry works”.

“It was just industry talk on my side. I was not intentionally being rude or sexist,” he also said.

In a separate post, the producer said the incident was not a “one off case”, listing several other incidents she claimed she had encountered at the company.

The producer’s comments were picked up on social media and appeared in articles on  several websites.

In response to Channel NewsAsia queries, Mediacorp said it does not condone sexism in the workplace and takes a very serious view of the matter.

The media conglomerate confirmed that the person who allegedly made the sexist remarks is an employee, and said there had been no complaints against him before this.

Before posting the screengrabs on her Facebook page, the employee had informed her supervisor of the exchange between herself and her co-worker, after which her supervisor immediately asked her to provide full details to assist in the investigation, Mediacorp said.

The producer is currently on leave and the company will interview her when she is back at work, it said. 

“We will conclude our investigations before deciding on the appropriate actions to be taken,” it added.

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Taylor Swift's alleged new song was leaked in this commercial

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We know by now that Taylor Swift likes to keep everyone guessing. From the underlying messages of her song lyrics to whatever happened to old Taylor, fans can’t stop theorizing no matter what.

So it’s no surprise that they spotted a possible new song in a UPS commercial.

The commercial, which was made to promote Taylor’s upcoming album Reputation, had an electro-pop background music with sped-up female vocals.

At first, you’d think nothing of it but one fan decided to slow it down and found that it might be Taylor’s new single “Rip Off the Page.”

on Twitter

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Glamour also pointed out that the video is “Unlisted” on YouTube, which may mean that no one was supposed to see the ad yet. Plus, they added, that it wouldn’t make sense if UPS used another artist’s song.

Especially when they used “Look What You Made Me Do” in their previous commercial.

Meanwhile, one fan noted that “Rip Off the Page” is allegedly the 13th track and will come out on Oct. 13 (Friday the 13th, FYI). In case you’re not aware, Taylor’s lucky number is 13 and she paints it behind her hand during her shows.

on Twitter

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What do you think? Is Taylor dropping a new song next week? Let’s wait and see.

Sunday, October 8, 2017 – 10:00

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These dolls were inspired by vitiligo-skinned model Winnie Harlow

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Representation is important no matter what medium, be it on-screen or with the toys that kids play with.

And if there’s one thing that Fenty Beauty’s 40-shade foundation taught us, it’s how all skin tones and their imperfections should taken into account.

This is why artist Kay Black of Kay Customz came out with vitiligo and albino-skinned dolls.

Based on Kay’s posts, all the porcelain dolls are handmade and aim to promote representation among black women.

PopSugar also noted that she was inspired by former America’s Next Top Model contestant Winnie Harlow.

The dolls have also caught the attention of celebrities like Tia Mowry and Mike Epps.

As of now, the vitiligo and albino dolls are only available via request. She also accepts orders to customise dolls for women who have these skin conditions.

This is a groundbreaking move, especially after Mattel came out with Barbie dolls of different body sizes and skin tones last year.

Here’s hoping that Kay’s dolls make a similar impact and show that women with vitiligo and albinism are beautiful too.

Sunday, October 8, 2017 – 12:00

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Friedrich Frobel to shut four more schools in Singapore following previous closures

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The Early Childhood Development Agency (ECDA) has been informed that four preschools under Friedrich Frobel Holding will close with effect from 12 October 2017. They are Buttercups Kindergarten (Pasir Panjang) Buttercups Kindergarten (Rochester), Frobel Preschool Woodlands and School House ByTheGarden @ AMK.

This follows the recent closure of three other preschools under Friedrich Frobel – Buttercups Montessori Kindergarten, Happy Brainy Kidz in Wonderland and Frobel Lilac.

The report stated that in support of families and centre staff who have been affected by these closures, relevant agencies and various community partners have been working closely together on the following:​

– ECDA has facilitated alternative placement for all children in the three preschools that had closed by linking parents up with available preschools in the vicinity. For children in the four preschools that are closing soon, ECDA is reaching out to affected parents to provide assistance with preschool placement. Given the circumstances, we understand that some operators are supporting parents with the initial enrolment costs.

– Parents or caregivers who need help or clarifications with alternative placement can contact the ECDA officer in charge of their preschools or contact ECDA.

– Some Grassroots Advisors and a volunteer lawyer have also stepped up to assist in guiding affected parents on matters pertaining to deposits and fees.

– And for the affected staff, the Ministry of Manpower (MOM), Central Provident Fund Board (CPF) and the Education Services Union (ESU) will assist those who are owed salaries and CPF contributions. ESU will also assist affected staff in finding alternative employment.​

According to the release, the closure of these preschools under Friedrich Frobel Holding is complicated by the many stakeholders involved, as well as the ongoing law suit between various shareholders of Friedrich Frobel Holding.

In fact, one shareholder is currently in prison for contempt of court for failing to comply with a court order. Separately, the Singapore Police Force has initiated criminal investigations following the filing of several police reports. The Insolvency and Public Trustee’s Office is also monitoring the company’s status closely.

Additionally, ECDA’s priority is to safeguard the safety and well-being of the children in preschools. ECDA will continue to closely monitor the situation and coordinate with relevant agencies to minimise disruption to children and parents as far as possible.

This article was first published in HumanResources.

Friday, October 6, 2017 – 16:12

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Popular Kovan kopitiam suspended for not providing soap in its toilet

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If you’re intending to head to Punggol Nasi Lemak at Upper Serangoon Road for dinner today, you can save the trip.

The kopitiam which houses the popular nasi lemak stall – that often sees snaking queues at mealtimes – has been suspended for one day on Friday (Oct 6). 

The reason? It did not provide soap in its toilet.

According to a suspension notice posted on National Environment Agency’s (NEA) website, Mee Sek Food Court was given six demerit points on two occasions for failing to provide soap.

The eating house, located at 965-969 Upper Serangoon Road, was also fined a total of $800 for the offence.

In its notice, NEA stated that the main operators of coffeeshops, food courts, and canteens who accumulate 12 or more demerit points during a 12-month period may have their licences suspended for a period of either one, two or three days.

All food stalls operating within the premises, which includes a Hokkien prawn mee stall and fishball noodles stall, will also have to cease operations for the same period of time.

Just last week, Abundance Eating House at Block 413, Bukit Batok West Avenue 4 also received a similar slap on the wrist for the same offence.

candicec@sph.com.sg

Friday, October 6, 2017 – 16:05

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