Let me make myself extremely clear before I begin; the purpose of my writing is to present things in a straightforward, palatable manner for the layman to adequately appreciate. Firstly, a brief history of the insurance business. How did the notion of insurance come into existence? It had its origins in the form of protection money collected by gangsters and the mafia. The gangsters astutely came to the eventual realization that employing violence to wreak havoc and trash

As cynical as this may sound, locals persistently suffering long term unemployment have PAP's myopic policies to thank for. High costs of living, ever increasing CPF retirement sum requirements to meet , a vastly uneven playing field existing between foreigners and citizens as well as National Service obligations have all played a part in creating a very toxic job market. Meanwhile policymakers and PAP supporters have their fingers in their ears going "lalalallalaal I can't h

Newsflash: the sun has set in Singapore. If one desired an above average quality of life sans the financial stress, surging costs and nonsense dished out by a juvenile government, he/she should have migrated abroad over a decade ago. The local PME class is now truly dead in the water no thanks to PAP’s "awesome" foreign talent policy which commenced under former Prime Minister Goh Chok Tong's watch in the late 90s. The major issues going forward are many fold: • Singapore's p