Tag: survival

  • Muslims Nowadays Easily Swayed By Liberal Thinking Due To Various Reasons

    Muslims Nowadays Easily Swayed By Liberal Thinking Due To Various Reasons

    Ramai orang yang saya kenal di masa mudanya merupakan seorang salafi dan Islamis, tetapi di masa tua ia menjadi modenis dan liberal. Ada dua kemungkinan mengapa hal ini berlaku:

    Pertama, ia menjadi salafi/Islamis semata-mata kerana pengaruh persekitaran dan sebenarnya tidak yakin dengan apa yang diwacanakan. Kedua, ia faham dan yakin dengan wacana tersebut tetapi tuntutan zaman merubah fikirannya untuk lebih pragmatik dan mementingkan survival diri. Dalam kedua-dua situasi ini ia gagal memiliki kerangka berfikir yang teguh dan mantap yang diinginkan oleh Islam.

    Hal ini menunjukkan begitu besar pengaruh dan mudahnya merebak pemikiran liberal kepada masyarakat Muslim. Di sinilah pentingnya kita mempersiapkan diri dengan pandangan alam (worldview) Islam supaya kita dapat memelihara diri kita daripada terpengaruh dengan pandangan alam yang boleh merosakkan Aqidah dan jati diri kita.

     

    Source: Khalif Muammar

  • Ease Stress Of Day-To-Day Survival So Poor Can Plan A Better Future

    Ease Stress Of Day-To-Day Survival So Poor Can Plan A Better Future

    When people think about poverty, it is often viewed in the context of money. How much does he earn? Is it enough for the family? But in the course of speaking to people from low-income households last week for a Sunday Times report (“The faces behind the aid figures“; Feb 28), I was struck by something more than their shortage of money: a tendency to shy away from planning for the future, because they are so stressed and concerned about immediate financial worries. This sometimes led them to make decisions that the better-off find hard to understand.

    For example, it is baffling why a couple struggling with finances would want to have seven children, and why the single mother would commit to the big purchase of a new four-room flat despite mounting debt. Or why the elderly karung guni man would spend over half of his $450 monthly government handout on cigarettes and beer when he has no savings.

    Researchers have found that very poor families throughout the world spend more of their income on alcohol than on educating their children – or even on food. Studies have also shown that they do not plan for the future compared to better-off folk, and some have less self-control and are quicker to turn to instant gratification. While some may take a deterministic view, thinking that people become poor because they have such innate traits, recent research suggests otherwise: that it is the state of poverty, and the stress that comes with it, that pushes very poor people to make bad decisions.

    Harvard economist Sendhil Mullainathan and Princeton psychologist Eldar Shafir, in their 2013 book Scarcity, found that economic stress robs people of cognitive bandwidth – the portion of mental capacity used to make decisions. Rushing around worrying about bills, food or other immediate problems leaves people with less cognitive capacity to make good decisions, think ahead or practise self-discipline.Urgent demands of the moment override planning for the future.

    That is perhaps why a food-stall assistant featured in The Sunday Times would rather take on extra part-time jobs in the weekends to get fast cash than go for a skills upgrading course to get a better- paying job. And why the single mother is reluctant to take a little time off work to renew her application for government grants, or meet her debtors to negotiate better repayment plans.

    Under overwhelming circumstances, people living in extreme poverty lack the time and mental will to assess their situation or think of alternatives. They may not even realise they have choices.

    This creates a vicious circle because people end up making decisions that leave them worse off, such as taking out high-interest loans or buying on instalment. In settling today’s problems, they create debts for tomorrow.

    The question then is: How can the poor be relieved of their cognitive stress of day-to-day survival so they are able to plan for a better future?

    If extreme poverty exacts a mental toll, the most direct way to help them would be to help them cancel their debts. Methodist Welfare Services (MWS) started a programme in 2014 for low-income families that matches debt repayment dollar-for-dollar up to $100 a month.

    It found that the 34 families given such help reduced their debt from a total of $256,000 to $175,000 over a year. In comparison, another 34 families not given the funds saw their collective debt increase by $18,000 over the same period.

    MWS assistant director Cindy Ng said: “Chronic debt is one of the major factors that perpetuates their poverty and if they are always fighting fires and thinking about putting food on the table, their ability to deal with longer-term issues is limited. For instance, they are less likely to seek skills upgrading which may help them break out of the poverty circle.”

    Another practical way would be to make it easier for the needy to access help. The poor often work long hours and can apply for aid only after work. Yet most of the 24 social service offices are open only during office hours and are closed at weekends.

    A third solution is to make it easy for those in dire straits to opt for good decisions. For example, they can be automatically enrolled in a savings scheme, with part of their pay or government grants channelled into a rainy-day fund.

    Last, improving their living environment can reduce mental stress. The poor, such as the featured family of eight who squeeze into a one-room rental flat the size of three parking spaces, often have to deal with living in small, crowded spaces. Neuroscientists at Princeton University found that a cluttered environment reduces one’s ability to focus and process information.

    Mr Cayden Woo of Chen Su Lan Methodist Children’s Home, which runs home improvement projects for low-income families, said: “Adults often bring their stress back home from work and when they see the physical mess at home, their frustration escalates. But after helping them declutter and reorganise the space, they become more positive when communicating or parenting.”

    Poverty has a clear link to bad choices. Rather than blame the poor for making such choices, it is more constructive to understand that the mental stress of coping with day-to-day needs drives them to make bad choices – and then work to reduce that daily stress. Helping struggling families cope better in the present will help them reach a brighter future in which their children will not be propelled towards bad choices.

     

    Source: www.straitstimes.com

  • Nearly $100,000 Raised After Photo Of Refugee Dad Selling Pens Goes Viral

    Nearly $100,000 Raised After Photo Of Refugee Dad Selling Pens Goes Viral

    BEIRUT (REUTERS) – An online fund-raiser has raised more than US$67,800 (S$95,000) for a refugee from Syria and his daughter after a campaigner based in Norway shared moving pictures on social media of the man selling pens in the streets of Beirut.

    Gissur Simonarson, founder of Conflict News, posted the pictures on Tuesday and was flooded with requests to help the man, a Palestinian from the devastated Yarmouk refugee camp on the southern outskirts of Damascus.

    The pictures showed Abdul Haleem al-Kader, a single father of two, holding up pens on a roadside in Lebanon’s capital, his four-year-old daughter Reem asleep on his shoulder, according to Simonarson’s funding page.

    A subsequent online campaign, which had initially aimed to raise US$5,000, collected as much as US$67,800 in 24 hours according to the page.

    “It’s nice to see people come together and make a difference in another person’s life,” Simonarson wrote.

    Lebanon is home to well over one million refugees from Syria’s war next door and such scenes are common in Beirut.

    Young refugee children sell flowers, packs of tissues or offer to shine shoes for a small sum.

    According to Buzzfeed News, Kader first left Syria four years ago with his wife and two children, moving to live in Egypt. His wife insisted they return to Syria, then left Kader and the children when he refused.

    “I had nothing to do in Syria anymore, since the chocolate factory that I used to work in before is closed,” he told BuzzFeed in a phone interview.

    “Some of my friends told me, ‘Why not go to Lebanon and try there.’”

    Though he was looking to work in a chocolate factory in Lebanon as well, none were hiring.

    “So I have no other options to feed my kids but selling stuff in the streets.”

    Simonarson told Buzzfeed he knew his photos would draw a response.

    “I talked to the guy I got the photo from, but he wasn’t the original photographer,” Simonarson said.

    “We haven’t been able to find the original person who took the photos yet.”

    “Conflict News has pretty good reach – I thought i might be able to locate him,” Simonarson said.

    So he set up the Twitter handle @Buy_Pens, urging @conflict’s 64,000 followers to aid in the search.

    After an initial false start, two Twitter followers managed to locate Kader based on the retweets of the original photo.

     

    Source: www.straitstimes.com

  • The Big Tent Approach To Ensuring Singapore’s Survival

    The Big Tent Approach To Ensuring Singapore’s Survival

    Let me suggest three concrete ways in which Singapore can increase its chances of survival.

    First, Singapore can take the “Big Tent” approach that its founding fathers adopted. Mr Lee Kuan Yew, Dr Goh Keng Swee and Mr S. Rajaratnam were the pioneers of this approach. As Singapore is small, its pool of top talent is naturally also small. Hence, our founding fathers knew that they must be prepared to work with all Singaporeans, even those who had been critical of the PAP and its leaders.

    As an undergraduate at the National University of Singapore, I myself had written several articles criticising the Government and its leaders. These included a very strongly worded piece which warned that Mr Lee could be on a “slippery slide to dictatorship”. (Those who are interested in witnessing this youthful indiscretion can read this article in Can Singapore Survive?) Even so, Dr Goh offered me a place in the Defence Ministry (which I turned down in another act of folly).

    Professor Tommy Koh, my predecessor as Singapore’s ambassador to the United Nations, and Professor Chan Heng Chee, my successor, also wrote articles criticising the Government in their youth. Prof Koh challenged the PAP’s claim that a political union with Malaysia was necessary for Singapore’s survival. He also advocated that an ombudsman be set up in Singapore “because in Singapore, the exercise of discretionary power by the Government is not subject to judicial review”, and spoke out in defence of The Necessary Stage in the wake of Josef Ng’s arrest. Meanwhile, Prof Chan’s first book was seen as an attempt to discredit Mr Lee. Her second book criticised the PAP for weakening democracy in Singapore in order to consolidate its own power.

    Many other critics of the PAP and its policies have been invited to join the “Big Tent” over the years. These include Mr David Marshall, Dr Vivian Balakrishnan and Mr Raymond Lim. I firmly believe that we must continue with this “Big Tent” approach to politics. If not, Singapore society is likely to become more politically fractious and divided in the coming decades.

    Second, the survivability of Singapore can be enhanced if we become the biggest cheerleader of Asean. It is truly sad that so few Singaporeans are aware that one reason Singapore remains so peaceful and safe today is because a giant political umbrella called Asean has been erected over South-east Asia, including Singapore. South-east Asia is incredibly diverse. In a relatively small geographical space, we can find Muslims, Christians, Hinayana Buddhists, Mahayana Buddhists and Hindus. This range of religious diversity is remarkable.

    Given this diversity, wars of separation should have emerged as a natural consequence in South-east Asia. As the Balkans of Asia, it should have been the natural epicentre of separatism and conflict. Instead, over the past five decades, it has emerged as one of the global epicentres of peaceful resolution of conflicts. Any objective audit of Asean and its contribution to South-east Asia would show that Singapore is probably the biggest beneficiary from Asean’s success.

    As a small state, Singapore has benefited the most from the culture of peace Asean has introduced into the region.

    On the economic front, Singapore may have also benefited the most from the gradual opening up and liberalisation of the Asean economies. Singapore’s trade with the nine other Asean member states is larger than that of any other Asean country. Therefore, given the huge political and economic benefits that Singapore gets from Asean, Singapore should become the chief cheerleader and champion of Asean.

    The third thing that Singapore can do to enhance its long-term survival is to go back to its roots, follow the examples of its founding fathers and go for bold, even risky, public policies. Our founding fathers were prepared to take big risks because they knew Singapore had no choice. Instead of being paralysed with fear, they displayed extraordinary courage. As a result of their courage, we have succeeded. Success, in turn, has led to a natural result of success: a culture of risk aversion. Indeed, this culture of risk aversion is one of Singapore’s biggest challenges in the coming years.

    The best way to change this culture of risk aversion is to launch bold, iconic and heterodox policies that will catch the attention of our entire planet.

    This is one reason I have advocated in my Big Ideas series that Singapore should strive to be the first city in the world to move towards a zero-car ownership city. This world of zero-car ownership is already on the way.

    Well-known futurist Paul Saffo said in the National Geographic that within just five to 10 years, “Driverless cars will share roadways with conventional cars. This will happen in urban areas first and will take a decade to fully diffuse. In the long run, people will not own cars at all. When you need to go somewhere, you will have a subscription to an auto service, and it will show up at your door”.

    By displaying extraordinary courage in going for such a bold new policy, Singapore will also help to ensure its long-term survivability because it would demonstrate that the culture of risk-taking was not confined just to the generation of the founding fathers of Singapore. Instead, it would demonstrate that the culture of risk-taking has been hardwired into the DNA of Singapore.

    This culture of risk-taking may well be the best way to ensure Singapore’s long-term survivability as many new challenges will come our way. We must develop the culture of courage to respond boldly to each new wave of challenges. If we do so, the final answer to the question “Can Singapore survive?” may well be “Yes, we can”.

     

    *This essay is adapted from the introduction to the latest book by Kishore Mahbubani, Can Singapore Survive? Published by Straits Times Press, Singapore Press Holdings, it retails for $25 before GST and is available at leading bookstores or from the website www.stpressbooks.com.sg. The writer is dean of the Lee Kuan Yew School of Public Policy, National University of Singapore

    Source: www.straitstimes.com

  • Surviving in Singapore:  The Question of Money

    Surviving in Singapore: The Question of Money

    Every household has different needs and a unique financial benchmark for a comfortable living; however, we can all agree that there are certain bare necessities that none of us can survive without. And survival is the name of the game today as we set out to explore what an ordinary hard-working Singaporean needs to earn to ensure his financial security in this new age uber-expensive capitalist utopia.

    Various surveys have revealed that the average salary in Singapore falls in between the $4200-$4500 range. Unfortunately, this is an insufficient criterion to reflect the true financial status of its entire citizenship, because a country’s real economic comeuppance is encapsulated by how financially empowered its lowest earning workers are.

    While highly skilled and well-educated professionals can make a comfortable living netting between $4400-$6400 per month, Singapore’s blue-collar class still stands on shaky financial ground for most of their lives earning somewhere between $800-$2100 per month. So there we have it, the lowest of the lows in the wage spectrum – an unnerving and extremely meager $800 per month!

    Now we are truly ready to commence our journey into the underbelly of Singapore, implement the finest financial acumen and examine whether $800 a month is enough to survive our daily expenses and secure our long-term future.

    Considering the current costs of living in Singapore, let us assume the following breakdown of expenditure made by the low-income worker earning $800 a month with zero savings apart from CPF contributions:

    • Housing Rental – $225
    • CPF – $100
    • Food – $300
    • Energy bills – $100
    • Transport – $75

    Now you may exercise a plethora of nifty frugal living tips like shopping for groceries using Fair Price, opting for a shared HDB flat, availing the best credit card schemes, using the public bus transport, buying cheap Big Macs, etc., but the fact of the matter is that you can only do so much to cut down your daily expenses.

    It has been widely demonstrated that blue-collar workers suffer a progressive decrease in income as they age, which means that not only is the prospect of a comfortable retirement a statistical impossibility, but their struggle for daily sustenance will be an even more uphill battle in the future.

    One of the major bones of contention for financial security for low-wage workers in Singapore is the ludicrous pre-requisite of having at least $148,000 in their CPF before they can access it. This means that nearly 16% of the Singaporean workforce that earns a monthly wage below $1000 will never be able to reach the mandatory CPF Minimum Sum milestone.

    According to various research studies on the cost of living in Singapore, it has been proven that a single working class citizen kicking off his career in his early 20s must earn around $2000-$2500 to enjoy a sustainable frugal lifestyle without putting an axe in their financial future.

    Assuming a yearly salary increase of 4% and accounting for inflation, here is what an estimate monthly expenditure breakdown should look like for an average single Singaporean working professional who makes $2500 per month:

    • CPF – $500
    • Insurance – $500
    • Energy bills – $300
    • Transport – $100
    • Food – $300
    • Miscellaneous – $300
    • Savings – $500

    On the other hand, married Singapore workers who are planning to start a family must earn at least $7000 as collective income per month to family of 4 to enjoy a similar minimal, penny-wise lifestyle.

    Unfortunately, since almost 40% of Singaporeans make less than $2000 per month and only 35% earn equal to or more than $3,500 per month, this means that only a third of the Singaporean workforce can enjoy a financially stable lifestyle throughout their life.

    Low-income workers with a paltry monthly income below $1900 are entitled to qualify for the government-sponsored Worker Income Supplement scheme. However, even if you are over 60 and make $1000 per month to qualify for the highest possible yearly WIS payout of $3500, you will still only be able to net approximately $117 per month as $2100 will automatically be credited to your CPF account first.

    In conclusion, we have deducted that the only way for Singaporean individuals to survive the exorbitant costs of this city and keep their financial boats floating is to make at least $2000 per month if they are single and $3500 if they are ready to have children.

     

    Source: www.imoney.sg