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2012年3月6日星期二
CPF Life plans to be simplified
CPF Life plans to be simplified
Singaporeans can look forward to a simpler choice between two plans that will provide them with a stream of retirement income for life.
This is because of major changes to the Central Provident Fund (CPF) system announced in Parliament yesterday.
The four existing plans in the CPF Life scheme, which caters to elderly people, will be collapsed into just two.
Individuals who turn 55 after Jan 1 next year and with at least $40,000 in their Retirement Accounts will get to choose between a new Basic Plan and a Standard Plan.
Under the Standard Plan, people will get higher monthly payouts but bequeath a smaller sum to their beneficiaries when they die. The new plan combines features of the existing Plus and Balanced plans.
The Basic plan, which tweaks aspects of another existing plan, offers slightly lower monthly payouts but a bigger bequest.
The current Income plan, which gives the highest monthly payout but leaves no bequest, will be scrapped, as less than 3per cent of CPF members who opted into CPF Life chose the plan.
Moreover, many members who chose this plan about 30 per cent later changed their minds about leaving no bequest.
Payouts under the two new plans will start only when the individual reaches age 65, in line with the existing plans.
Deputy Prime Minister Tharman Shanmugaratnam, who announced the changes, cited public feedback showing that it took significant effort to understand and choose between the four existing CPF Life plans.
He added that Singaporeans now live much longer and that a growing proportion of retirees will outlive their CPF savings if they stayed on the Minimum Sum Scheme.
The Minimum Sum Scheme gives payouts for a limited period of just over 20 years.
About half of the Singaporeans aged 65 today are expected to live past 85, with one third of them likely to live beyond 90. In the future, those who reach 65 are expected to live even longer.
"CPF Life is therefore both an important and timely evolution of the Minimum Sum Scheme," said Mr Tharman.
He added that the changes will "provide simplicity, but retain the best features of the existing plans" while giving the public a "meaningful choice".
Mr Seng Han Thong, an MP for Ang Mo Kio GRC, asked about the popularity of the four existing CPF Life schemes.
Mr Tharman said most people chose the Plus and Balanced plans. About 90 per cent of the 73,000 people who have signed up for CPF Life since its launch in September 2009 chose either of those two plans, he added.
The new Standard Plan will be the default CPF Life scheme for individuals who do not make a selection when they hit 55.
Policyholders of the four existing CPF Life plans can stay with their chosen plans. They have until Dec 31 next year to switch to the new plans if they wish.
Men aged 55 with $40,000 of savings in their Retirement Accounts can get $380 a month for life under the Standard Plan, or $350 under the Basic Plan.
Mr Tharman stressed that the CPF system is "principally aimed at serving" the middle- and lower-income groups.
"It is not the purpose of the CPF to cater fully to the needs of better-off Singaporeans."
~News courtesy of Omy~
Singaporeans can look forward to a simpler choice between two plans that will provide them with a stream of retirement income for life.
This is because of major changes to the Central Provident Fund (CPF) system announced in Parliament yesterday.
The four existing plans in the CPF Life scheme, which caters to elderly people, will be collapsed into just two.
Individuals who turn 55 after Jan 1 next year and with at least $40,000 in their Retirement Accounts will get to choose between a new Basic Plan and a Standard Plan.
Under the Standard Plan, people will get higher monthly payouts but bequeath a smaller sum to their beneficiaries when they die. The new plan combines features of the existing Plus and Balanced plans.
The Basic plan, which tweaks aspects of another existing plan, offers slightly lower monthly payouts but a bigger bequest.
The current Income plan, which gives the highest monthly payout but leaves no bequest, will be scrapped, as less than 3per cent of CPF members who opted into CPF Life chose the plan.
Moreover, many members who chose this plan about 30 per cent later changed their minds about leaving no bequest.
Payouts under the two new plans will start only when the individual reaches age 65, in line with the existing plans.
Deputy Prime Minister Tharman Shanmugaratnam, who announced the changes, cited public feedback showing that it took significant effort to understand and choose between the four existing CPF Life plans.
He added that Singaporeans now live much longer and that a growing proportion of retirees will outlive their CPF savings if they stayed on the Minimum Sum Scheme.
The Minimum Sum Scheme gives payouts for a limited period of just over 20 years.
About half of the Singaporeans aged 65 today are expected to live past 85, with one third of them likely to live beyond 90. In the future, those who reach 65 are expected to live even longer.
"CPF Life is therefore both an important and timely evolution of the Minimum Sum Scheme," said Mr Tharman.
He added that the changes will "provide simplicity, but retain the best features of the existing plans" while giving the public a "meaningful choice".
Mr Seng Han Thong, an MP for Ang Mo Kio GRC, asked about the popularity of the four existing CPF Life schemes.
Mr Tharman said most people chose the Plus and Balanced plans. About 90 per cent of the 73,000 people who have signed up for CPF Life since its launch in September 2009 chose either of those two plans, he added.
The new Standard Plan will be the default CPF Life scheme for individuals who do not make a selection when they hit 55.
Policyholders of the four existing CPF Life plans can stay with their chosen plans. They have until Dec 31 next year to switch to the new plans if they wish.
Men aged 55 with $40,000 of savings in their Retirement Accounts can get $380 a month for life under the Standard Plan, or $350 under the Basic Plan.
Mr Tharman stressed that the CPF system is "principally aimed at serving" the middle- and lower-income groups.
"It is not the purpose of the CPF to cater fully to the needs of better-off Singaporeans."
~News courtesy of Omy~
2012年2月16日星期四
50多岁不轻松 经济压力最大
50多岁不轻松 经济压力最大
随着孩子逐渐成长独立，50多岁的人拥有更多时间，似乎是时候可以好好享受人生，但最新的研究显示，50岁非但不是自由人生的开始，甚至是一生中经济压力最大、开销也最大的阶段。
英国一个保健组织访问了2000名年长的英国人，发现他们在步入50岁之后，开支暴涨，除了为偿还房屋贷款烦恼，也得继续充当孩子的经济支柱。
一名典型的50多岁人士，每月基本开销至少达1560英镑（约3105新元）。若加上孩子上大学、结婚、买车、买手机、买房等费用，经济负担就更大了。
还在养家养孩子
10％年过50岁的受访者坦承，每逢月底总会出现财政赤字。20％为了养家而辛苦挣扎。另外20％说，如果自己不在了，家里肯定会钱不够用，陷入经济困境。
调查也发现，很多人到了这个年龄，还得继续养孩子，孩子在经济上对父母的依赖越来越大。此外，这个年龄的人也比较慷慨，愿意出钱，帮助有需要的亲人。
~omy~
随着孩子逐渐成长独立，50多岁的人拥有更多时间，似乎是时候可以好好享受人生，但最新的研究显示，50岁非但不是自由人生的开始，甚至是一生中经济压力最大、开销也最大的阶段。
英国一个保健组织访问了2000名年长的英国人，发现他们在步入50岁之后，开支暴涨，除了为偿还房屋贷款烦恼，也得继续充当孩子的经济支柱。
一名典型的50多岁人士，每月基本开销至少达1560英镑（约3105新元）。若加上孩子上大学、结婚、买车、买手机、买房等费用，经济负担就更大了。
还在养家养孩子
10％年过50岁的受访者坦承，每逢月底总会出现财政赤字。20％为了养家而辛苦挣扎。另外20％说，如果自己不在了，家里肯定会钱不够用，陷入经济困境。
调查也发现，很多人到了这个年龄，还得继续养孩子，孩子在经济上对父母的依赖越来越大。此外，这个年龄的人也比较慷慨，愿意出钱，帮助有需要的亲人。
~omy~
2012年1月9日星期一
提款机防复制装置 为何无法阻止盗提？
提款机防复制装置 为何无法阻止盗提？
● 李蕙心
星展银行存户的存款被人盗提事件，引发了人们对提款机提款安全热议。
尤其让人费解的是，银行都声称属下提款机装有防复制设备，为何还是无法阻止歹徒盗提存款。
星展银行发言人在前天的记者会上说，每台新提款机都采用最新防复制设备，而且会定期更新。发言人说，案件还在调查中，行方暂时仍无法公开歹徒干案手法。
受访的保安专家也无法回答这个问题，但网络保安公司e-Cop的总裁李庆金指出，要复制提款卡资料只需要一个阅卡器就行了。
除了提款机，还可装在各种自动付费机上，使用者若没有留意，插进提款卡，阅卡器就可读取卡上磁片（magnetic stripe）里的银行账号等资料。歹徒再把资料输入到另一张有磁片的卡，假提款卡就复制完成。
歹徒也会在附近安装小型摄像头，拍下存户在提款机按键上按下的密码，有了卡和密码就能到提款机提款。李庆金补充说：“歹徒可以用无线遥控摄像镜头，所以要记录数百个密码是很容易的事。”
磁片卡的资料比装有晶片的智能卡更容易被复制，其安全性令人怀疑。
为银行提供提款机保安服务的Gemalto公司市场安全转帐部总监维尔敏（Cyril Villemin）就建议，改用晶片型提款卡。这在欧洲、南美洲、加拿大和马来西亚相当普遍，有效降低存款被盗提案的发生。
星展银行新加坡总监林森成在回答记者提问时说，要每个商家都更换阅卡器是非常困难的事，尤其是在国外，但环境和时机对的话，银行会改用智能卡。
如何预防盗提？
●只需在提款机“更多服务”（More Services）第二页的“更换在国外使用提款卡”（Change ATM Card Overseas Access）选项里按下禁用按钮，便可禁止他人在国外提款机盗提存款，即使是复制卡也不能。
●选择使用灯光充足而且位置安全的提款机提款，若提款机旁出现可疑人物，就到别处提款。
●提款时，提款机有异，立即取消交易，选择使用别处的提款机或通知银行。
●可从提款机的镜子察看背后有没人偷看密码，按键输入密码时用掌心或皮包遮盖。
●若提款卡遗失或被提款机扣留，须立即联络银行。
●完成提款交易后，立即收好提款卡、现金与发票。
●不要向任何人透露银行或提款卡密码，即使有人声称是银行职员向你索取密码。
●定期更换提款卡密码。
●留心日常帐户存款提取，若发现任何可疑交易，立即与银行联络。
●设定较为复杂的提款卡密码。
～以上新闻转载自早报网～
● 李蕙心
星展银行存户的存款被人盗提事件，引发了人们对提款机提款安全热议。
尤其让人费解的是，银行都声称属下提款机装有防复制设备，为何还是无法阻止歹徒盗提存款。
星展银行发言人在前天的记者会上说，每台新提款机都采用最新防复制设备，而且会定期更新。发言人说，案件还在调查中，行方暂时仍无法公开歹徒干案手法。
受访的保安专家也无法回答这个问题，但网络保安公司e-Cop的总裁李庆金指出，要复制提款卡资料只需要一个阅卡器就行了。
除了提款机，还可装在各种自动付费机上，使用者若没有留意，插进提款卡，阅卡器就可读取卡上磁片（magnetic stripe）里的银行账号等资料。歹徒再把资料输入到另一张有磁片的卡，假提款卡就复制完成。
歹徒也会在附近安装小型摄像头，拍下存户在提款机按键上按下的密码，有了卡和密码就能到提款机提款。李庆金补充说：“歹徒可以用无线遥控摄像镜头，所以要记录数百个密码是很容易的事。”
磁片卡的资料比装有晶片的智能卡更容易被复制，其安全性令人怀疑。
为银行提供提款机保安服务的Gemalto公司市场安全转帐部总监维尔敏（Cyril Villemin）就建议，改用晶片型提款卡。这在欧洲、南美洲、加拿大和马来西亚相当普遍，有效降低存款被盗提案的发生。
星展银行新加坡总监林森成在回答记者提问时说，要每个商家都更换阅卡器是非常困难的事，尤其是在国外，但环境和时机对的话，银行会改用智能卡。
如何预防盗提？
●只需在提款机“更多服务”（More Services）第二页的“更换在国外使用提款卡”（Change ATM Card Overseas Access）选项里按下禁用按钮，便可禁止他人在国外提款机盗提存款，即使是复制卡也不能。
●选择使用灯光充足而且位置安全的提款机提款，若提款机旁出现可疑人物，就到别处提款。
●提款时，提款机有异，立即取消交易，选择使用别处的提款机或通知银行。
●可从提款机的镜子察看背后有没人偷看密码，按键输入密码时用掌心或皮包遮盖。
●若提款卡遗失或被提款机扣留，须立即联络银行。
●完成提款交易后，立即收好提款卡、现金与发票。
●不要向任何人透露银行或提款卡密码，即使有人声称是银行职员向你索取密码。
●定期更换提款卡密码。
●留心日常帐户存款提取，若发现任何可疑交易，立即与银行联络。
●设定较为复杂的提款卡密码。
～以上新闻转载自早报网～
2011年7月18日星期一
'Fast cash' a ploy to trap youth
'Fast cash' a ploy to trap youth
The lure of fast money tempts young people to take up holiday jobs, which may be ploys by adults for them to do their dirty work, said Dr Carol Balhetchet, the Singapore Children's Society director of youth service.
This is because cash is the language that youth, who live in a very materialistic world, speak today, she said. They are starkly different from those growing up a decade or up to 50 years ago.
The observation comes from experience, said Dr Balhetchet, who has counselled children and their families since 1992.
"We live in a society that is getting more sophisticated with the latest technology," she said. "Kids are getting bombarded by advertisements everywhere. Their lifestyle has changed and every day they face the questions: How to be cool, how to be popular, how to get anything you want."
Youth these days are empowered to take on work merely to be able to afford the things that are advertised on TV, newspapers and even on the sides of public buses, she said.
Earlier this month, police arrested 85 students and four adults for distributing name cards and pamphlets advertising illegal moneylending services.
The police said in a statement: "This case highlights a worrying trend of loan-shark syndicates infiltrating schools and recruiting students to work for them."
The trend appears to be increasing, with 62 young people arrested for loan-shark and related harassment activities so far this year. A total of 156 young people aged 19 and below were arrested last year, more than twice the 60 arrested in 2008.
~News courtesy of Omy~
The lure of fast money tempts young people to take up holiday jobs, which may be ploys by adults for them to do their dirty work, said Dr Carol Balhetchet, the Singapore Children's Society director of youth service.
This is because cash is the language that youth, who live in a very materialistic world, speak today, she said. They are starkly different from those growing up a decade or up to 50 years ago.
The observation comes from experience, said Dr Balhetchet, who has counselled children and their families since 1992.
"We live in a society that is getting more sophisticated with the latest technology," she said. "Kids are getting bombarded by advertisements everywhere. Their lifestyle has changed and every day they face the questions: How to be cool, how to be popular, how to get anything you want."
Youth these days are empowered to take on work merely to be able to afford the things that are advertised on TV, newspapers and even on the sides of public buses, she said.
Earlier this month, police arrested 85 students and four adults for distributing name cards and pamphlets advertising illegal moneylending services.
The police said in a statement: "This case highlights a worrying trend of loan-shark syndicates infiltrating schools and recruiting students to work for them."
The trend appears to be increasing, with 62 young people arrested for loan-shark and related harassment activities so far this year. A total of 156 young people aged 19 and below were arrested last year, more than twice the 60 arrested in 2008.
~News courtesy of Omy~
2011年6月6日星期一
灌输理财观念 最好6岁开始
灌输理财观念 最好6岁开始
灌输孩子理财观念的“关键期”，虽然是越早越好，但财务分析师认为，可以是在6到12岁之间。
财务分析师吴加万说，从孩子六七岁读小学开始，就要认真让他们明白储蓄的好处，并给予各种鼓励。
到了孩子十二三岁读中学时，就要让他们学习规划消费。假设父母对投资也有认识，也可以开始灌输孩子“钱生钱”的概念。
吴加万说：“理财的概念，是让孩子对数字有正确观念，父母本身也应该如此。”
他举例说，比如，咖啡一杯从8角调高到9角，表面上看是起了1角，但实际上是起了12.5%。
至于储蓄的观念，是在有收入后要有储蓄才算真正“赚”到，因为，不管收入多少，要是赚100万元花完这100万元，还是穷光蛋。
而在消费规划，要让孩子知道“想要”与“需要”的分别。通常，想要的多，需要的少，要让孩子懂得从中做选择。
《联合晚报》
灌输孩子理财观念的“关键期”，虽然是越早越好，但财务分析师认为，可以是在6到12岁之间。
财务分析师吴加万说，从孩子六七岁读小学开始，就要认真让他们明白储蓄的好处，并给予各种鼓励。
到了孩子十二三岁读中学时，就要让他们学习规划消费。假设父母对投资也有认识，也可以开始灌输孩子“钱生钱”的概念。
吴加万说：“理财的概念，是让孩子对数字有正确观念，父母本身也应该如此。”
他举例说，比如，咖啡一杯从8角调高到9角，表面上看是起了1角，但实际上是起了12.5%。
至于储蓄的观念，是在有收入后要有储蓄才算真正“赚”到，因为，不管收入多少，要是赚100万元花完这100万元，还是穷光蛋。
而在消费规划，要让孩子知道“想要”与“需要”的分别。通常，想要的多，需要的少，要让孩子懂得从中做选择。
《联合晚报》
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