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How to buy an HDB flat while overseas

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Reader Nancy Goh, a single Singaporean senior citizen now working in the United States, intends to return home when she retires within the next five years. She wanted to confirm what flats she is eligible to buy, and whether she can arrange for a Power of Attorney for her sibling to apply for a flat on her behalf.

Housing reporter Janice Heng answers her questions.

Singles aged 35 and older can buy a new two-room flexi flat directly from the Housing Board, through Build-to-Order or Sale of Balance Flats exercises.

If they would like to buy a larger flat, they will have to do so on the open resale market.

Flat buyers may indeed appoint someone to act on their behalf through a Power of Attorney (POA), said the HDB.

They should consult a private solicitor to prepare this legal document. For applicants who are overseas, the POA must be prepared by the solicitor and signed by the applicant in the presence of a notary public, the Singapore High Commissioner, or a Singapore Ambassador in the country of their stay.

The solicitor has to register the signed POA with the Singapore High Court Registry.

Singles aged 35 and older can buy a new two-room flexi flat directly from the Housing Board, through Build-to-Order or Sale of Balance Flats exercises.

If they would like to buy a larger flat, they will have to do so on the open resale market.

Applications to buy a flat directly from the HDB can be submitted online (http://www.hdb.gov.sg/cs/infoweb/homepage).

If the application is successful but the buyers cannot attend the appointment to book their flat personally, they may authorise a representative to do so on their behalf.

This is done by completing an authorisation form that can be found on the HDB’s website.

After booking a flat, they will need to sign the Agreement for Lease and pay the down payment. When the flat is completed, they will be invited to collect the keys within one month of being notified.

Either the flat buyers or their appointed representative will need to attend these appointments at the HDB sales office. Requests to defer key collection will be considered on a case-by-case basis, said the HDB.

For resale flats, the buyers or their appointed representative must attend two appointments at the HDB office together with the flat sellers: first to discuss administrative details, and then to complete the resale transaction.

Even after a POA has been arranged, there are some documents that must be signed personally by the flat applicant and mailed to the HDB.

These are the application form, the statutory declaration signed in the presence of a Commissioner of Oaths or notary public, and letters of undertaking.

Buyers of resale flats must also sign and submit the resale checklist for buyers.


This article was first published on Oct 08, 2016.
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Premature death strikes China's IT industry

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44-year-old CEO of leading online platform is latest in line of early heart attacks in tech sector.

The rapidly developing internet technology sector – whose employees are often under heavier pressure than other sectors – is once again in the spotlight following the sudden premature death of the founder of one of China’s leading digital medical care service providers.

Zhang Rui, 44, CEO of chunyuyisheng.com, an online platform that provides medical care services such as advice and diagnoses, died of a heart attack on Wednesday night, according to an obituary released by the company on Thursday.

The platform, established in 2011, has 92 million registered users and nearly 500,000 registered doctors from major hospitals across China who provide answers to 330,000 questions on medical care online every day, according to the company.

Zhang started his career as a journalist and became an executive of NetEase, an IT company in China that runs one of China’s biggest news portals, before setting up chunyuyisheng.com.

The death of Zhang has aroused heated public attention, with many showing astonishment. The obituary posted on the company’s WeChat account had been read by more than 100,000 people as of Friday. “I feel sad and was speechless to hear of Zhang’s death,” said Zhu Hengpeng, a researcher in medical reform at the Chinese Academy of Social Sciences. “I hope he has peace in heaven.”

Zhang had been under very heavy work pressure in the past few years, and was under constant tension over fear of the company failing, causing mental and physical distress, according to previous media reports.

White collar workers in the IT industry in China on average worked 9.3 extra hours every week, the most among all sectors, according to a survey last year by Zhaopin.com, a major job-hunting website in China.

Zhang Haicheng, a doctor in cardiovascular diseases at Peking University People’s Hospital, said cardiovascular diseases have become a major cause of death for Chinese due to the popularity of unhealthy lifestyles such as overeating, lack of physical exercise and smoking.

“Those prone to heart disease, such as those suffering hypertension, diabetes and obesity, should be cautious and change their lifestyles,” he said.

Zhang is among a list of people working in IT-related sectors who have recently died prematurely.

Jin Bo, a 34-year-old editor at tianya.com, a popular online forum, died of a sudden heart attack at a subway station in Beijing in June after cardiopulmonary resuscitation by several passengers did not work.

In December, Li Junming, an employee of Tencent, a major IT company based in Shenzhen, Guangdong province, fainted and died while walking with his pregnant wife. Some of Li’s colleagues said Li’s death was partly attributable to the fact that he had been kept working overtime, and they demanded the company reduce working overtime to prevent another tragedy.

Factors that could cause a heart attack

  • Excessive heavy labour, such as climbing stairs with a heavy load, and heavy physical activities
  • Constant tension
  • Emotional excitement, tension and anger
  • Overeating
  • A sudden drop of temperature could cause a heart attack in those with cardiovascular diseases
  • Constipation
  • Smoking and excessive drinking of alcohol
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Saturday, October 8, 2016 – 13:23
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Little success beyond crime war for Duterte

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Ask anyone here what he thinks of President Rodrigo Duterte’s first 100 days in office, and chances are he will say: “Has it really just been 100 days?”

So much has happened since Mr Duterte took office on June 30 that it seems he has been president for years already.

The Philippines has seen an anti-crime drive that is unprecedented in its brutality and impact. As of his 99th day in office yesterday, more than 3,500 drug suspects have been killed, more than a third by police and the rest at the hands of ruthless vigilantes or their own gangs.

These deaths have resonated in the halls of Congress, and ricocheted globally, drawing criticism from world leaders such as United States President Barack Obama and United Nations chief Ban Ki Moon.

In Congress, the killings have led to a reality show with a complex narrative that not even such master weavers of cloak-and-dagger tales as John Le Carre can create: Mass murders perpetrated by a cabal of ruthless lawmen and assassins-for- hire, cheered on by a mayor with a fancy for Charles Bronson and Clint Eastwood movies; crime suspects garrotted, disembowelled, hacked to pieces, fed to crocodiles; a national penitentiary run by drug kingpins who enjoy luxuries such as armed bodyguards, celebrity- studded concerts and jacuzzis. A senator and arch-foe of the President has been portrayed as a “drug queen” with a voracious sexual appetite.

Despite the rising body count and the often horrendous, sometimes lurid tales that have swirled around his anti-crime drive, Mr Duterte remains as popular as ever.

A survey released on Thursday showed that three in four Filipinos approve of what he has been doing. The anti-crime drive, in particular, got an 84 per cent approval rating.

Mr Duterte gave himself six out of 10. “It is not a self-derogating thing. I just don’t like to brag,” he said.

But he said with the public firmly behind him, “we will move on to the drug campaign”.

“There will still be so many deaths, and I will not apologise for it,” he added.

There has ironically been a sense of peace and order amid the killings. Police statistics show the crime rate has fallen by half. People are talking about feeling safer when they are on the streets.

“I worry less now about getting mugged or robbed when I go to work,” said Mr Aljen Rosales, 24, who works the late-night to early-morning shift at a call centre in Quezon City, an hour north of Manila.

Apart from his war on crime, Mr Duterte has little to show for on other fronts.

Traffic remains horrendous in metropolitan Manila, and the train system that millions rely on to get to work continues to break down. Wages have not risen, and prices remain high. Everything is as Mr Duterte’s predecessor Benigno Aquino has left it.

There are even signs of trouble. Businessmen have been grumbling.

The Environment Minister has shut down 11 mining companies and is looking to close 20 more. That is holding up US$25 billion (S$34.3 billion) worth of investments, according to mining advocate Philip Romualdez. The Labour Ministry, meanwhile, is looking to raise the minimum wage by 20 per cent and end the practice among the nation’s biggest retailers of hiring contractual employees.

The key stock index has dropped 2.3 per cent since June 30, the only decliner among major Asian gauges, and the peso plunged to a seven-year low against the US dollar at 48.26 on Sept 26.

Mr Duterte is himself rocking the boat. He is expending most of his energy on crime, and leaving other matters to his surrogates who, afraid to act on their own, wait for him to make up his mind.

His almost daily barrage of invectives and obscenities directed at the US and Europe, seemingly for no reason other than their criticism of his anti-drugs push, is shaking up old alliances that have been the bedrock on which the Philippine economy stands.

He is turning to China and Russia for arms and money, and looking at dumping defence arrangements with the US.

Yesterday, Defence Minister Delfin Lorenzana announced that Manila had officially informed Washington that joint patrols in the South China Sea had been suspended on Mr Duterte’s orders.

“They have been suspended for the time being. They (Washington) know it already,” he told reporters, adding he relayed the decision to the head of the US Pacific Command when he was in Hawaii at the start of this month.

But many here are willing to overlook the missteps. After all, it has been only 100 days.

“What he is doing actually is breaking down the old order, the old system of politicking, the old system of governance, the old system of foreign relations… He is actually repudiating the old order in order to build something new. He is breaking down the old order, and you know that is the reason why his style is so acerbic,” said De La Salle University dean and political science professor Julio Teehankee.

While Mr Duterte may be off to a “very good” start, he must soon pivot to matters other than crime, said political analyst Richard Javad Heydarian.

He said Mr Duterte “will have to pour more attention to other urgent problems such as the infrastructure bottlenecks, particularly the traffic woes in the major cities”.

“I expect the administration to slowly diversify its political agenda over the coming months,” he added.


This article was first published on October 08, 2016.
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Encouraging students to report sexual abuse

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Schools need to take a more proactive approach in getting young children to speak up if they are asked to perform indecent acts, say social workers and counsellors.

Experts say cases of sexual grooming often go unreported because the victims are too afraid to tell anyone. This comes after recent court cases where school staff made children perform indecent acts, raising concerns among parents about whether schools are doing enough.

The Ministry of Education (MOE) told The Straits Times that the schools involved are “providing the students with the necessary care and support, and will continue to monitor their well-being”.

MOE said it has a stringent selection regime for educators, including various screening processes and a panel interview with experienced senior educators.

It added: “Upon entering the service, we have in place regular platforms to emphasise our high expectations. These include conversations on the importance of maintaining professional relationships with students.”

Fear of judgment and guilt often hold victims back from speaking up. To tackle this, experts suggest schools raise awareness of what sexual grooming entails.

Recent court cases involving school staff

  • School employees, including teachers, have been in the news for preying on young children.
  • In one case, primary school teacher Colin Ting Fook Mun unzipped a nine-year-old pupil’s shorts to look at the underwear he had bought him, and on another occasion asked the boy to unzip his trousers. The acts occurred at the school. Ting, 41, who quit teaching 11/2 years ago, was jailed for 12 months.
  • In another case, a primary school employee sexually abused three brothers who were studying at the school he was working in. The 52-year-old man will be sentenced at a later date.
  • Yesterday, former teacher Kuang Liang Yong, 47, was jailed 22 months for getting a 13-year-old girl to send him more than 50 nude photos and videos over a nine-month period.

Mr Alfred Tan, chief executive of the Singapore Children’s Society, hopes schools can organise more classroom discussions to teach pupils about “good and bad touches”.

“Most children don’t speak up because they feel guilty if they say something bad about their teachers or other adults,” he said. “Schools must teach students what is considered inappropriate touching, and they need to tell a trusted adult if something happens.”

Ms Jolene Tan, head of advocacy and research at the Association of Women for Action and Research, said: “In regular interactions with young people, adults need to demonstrate that any concerns they raise, including about authority figures, will be taken seriously.

“This will make it easier for victims of sexual exploitation to report behaviour that makes them uncomfortable and to receive the support that they need.”

Ms Tan urged parents to have an atmosphere of openness at home. “If children know they can talk to their parents about sexual feelings or sexual activity without fearing a judgmental response, they are more likely to alert parents to situations of grooming,” she added.

MOE said its teachers and counsellors look out for students in distress, and reach out to them to offer further intervention. Schools also have peer support efforts, such as having their peers alert trusted adults about suspected abuse.

“We take a serious view of every case where staff fall short of expected standards,” it said.


This article was first published on Oct 08, 2016.
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Slowing job market is top on MPs' minds

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The slowing job market is a top concern for MPs, who have filed 16 questions for Monday’s Parliament sitting on the Government’s plans to support workers in this climate.

Online gambling, rewards for national sports athletes, as well as the use of personal mobility devices will also get an airing in the House.

With jobseekers outnumbering job vacancies for the first time in four years and the economy facing global headwinds, labour MP Melvin Yong (Tanjong Pagar GRC) will ask Manpower Minister Lim Swee Say what his ministry is doing to raise the employment rate of local workers, which has remained stagnant for the past 18 months.

Non-constituency MP Daniel Goh is asking if the ministry can make it easier for older professionals, managers, executives and technicians (PMETs) who are retrenched or jobless to join its Career Support Programme. The programme aims to encourage the hiring and training of jobless PMETs.

Dr Tan Wu Meng (Jurong GRC) wants to know if the Ministry of Manpower (MOM) will make it mandatory for employers to report their hiring outcomes, and to list job openings in Jobs Bank, the national database, even when the position has been advertised on other platforms.

A comprehensive jobs registry “will help policymakers have further insight into the job market and, hopefully, identify vulnerable groups and emerging job trends before they become apparent to traditional analysis”, said Dr Tan.

MPs also filed questions about online gambling, with lottery operators Singapore Pools and Singapore Turf Club given the go-ahead to launch online betting services.

Mr Christopher de Souza (Holland-Bukit Timah GRC) and Mr Edwin Tong (Marine Parade GRC) are asking Minister for Social and Family Development Tan Chuan-Jin about safeguards to prevent an increase in online gambling.

Mr Alex Yam (Marsiling-Yew Tee GRC), Ms Tin Pei Ling (MacPherson) and Prof Goh are asking Minister for Culture, Community and Youth Grace Fu if more can be done to recognise the sporting efforts of Paralympians. Ms Tin and Prof Goh want to know if disabled athletes can get the same rewards as able-bodied athletes.

Seven MPs have also filed questions on safety issues relating to the use of personal mobility devices such as electric scooters.

MPs Ang Wei Neng (Jurong GRC) and Lee Bee Wah (Nee Soon GRC) want to know if the Land Transport Authority will consider a requirement for users of such devices to buy insurance to cover accidents.

Eight Bills, including one amending the Constitution to effect changes to the elected presidency, will be introduced on Monday. MPs will also debate amendments to the Central Provident Fund (CPF) Act that include simplifying the payout process for the Retirement Sum Scheme.


This article was first published on Oct 08, 2016.
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Ruins of former village to be part of Thomson Nature Park

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Hainan Village will be part of the Thomson Nature Park when it opens in 2018.

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Japan's Mount Aso erupts, no reports of injuries

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Mount Aso, a volcano on Japan’s main southern island of Kyushu, erupted early on Saturday, Japan’s Meteorological Agency said, spewing volcanic ash 11,000 metres (7 miles) into the sky.

Japanese media said there were no immediate reports of injuries from the eruption, which began at 1:46 a.m. local time (1646 GMT Friday) on one of the peaks of the 1,592-metre (5,222 feet) mountain in Kumamoto Prefecture, the agency said.

It was the first eruption at the peak since January 1980, media reports said.

The meteorological agency raised the alert level for the volcano to level 3 on a scale of 5, telling people not to approach the mountain and warning of falling rocks.

Mount Aso is one of the most active peaks in Japan but is also a popular hiking spot.

Japan lies on the “Ring of Fire”, a horseshoe-shaped band of fault lines and volcanoes around the edges of the Pacific Ocean, and is home to more than 100 active volcanoes.

Mount Ontake in central Japan erupted unexpectedly in 2014, killing 63 people in the worst volcanic disaster in Japan for nearly 90 years.

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Saturday, October 8, 2016 – 11:43
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Xiaomi Opens New Official Retail Store & Experience Centre at Suntec from 7 Oct 2016

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XIAOMI has opened a new official store at Suntec City Mall. Now you can try out Mi products before you buy

Xiaomi Opens New Official Retail Store & Experience Centre at Suntec from 7 Oct 2016

Mi Home – a new retail store and experience center has opened at Suntec City Mall. Come by to check out all your favourite Mi products, including those that have not yet been launched here in Singapore!

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People's Association to strengthen grassroots network for future

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The People’s Association will strengthen its grassroots network as part of its plans to help with nation-building for the next 50 years

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One-stop rehab centre officially opens for cancer patients in Jurong

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The centre is near three hospitals, and also provides transportation services for patients who are financially in need or immobile.

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