• To complement recent measures put in place to curb moneylending to foreigners, we note that the Ministry of Manpower has released a video and brochure educating migrant domestic workers (MDWs) on money management.

    We welcome measures that go towards solving the problem of overborrowing and which advocate financial prudence among MDWs.


    At the same time, we must also be aware of other issues that drive MDWs to borrow from licensed or even unlicensed moneylenders.

    They sometimes face pressure to send money home to assist with their families' finances, or with sudden emergencies relating to education, health or reconstruction of their houses in times of natural disasters.

    Some of these MDWs may still be repaying loans brought about by recruitment fees.

    On occasion, we have also encountered MDWs who have stated that they turned to moneylenders due to untimely payment of salaries by their employers.


    There are ways to alleviate the above-mentioned problems faced by MDWs. The Humanitarian Organisation for Migration Economics supports an eventual move towards zero recruitment fees, based on the International Labour Organisation's Fair Recruitment Initiative.



    This allows MDWs to start earning and saving money as soon as their employment starts.

    Timely payment of salaries will also ensure that MDWs have a steady flow of income that may curb the need to turn to moneylenders.

    Employers should also be willing to listen if their MDWs approach them with requests for loans or advance salary payments, if such requests are reasonable.

    MDWs typically earn low wages and may have, from time to time, pressing financial needs.

    Such arrangements between employers and MDWs, together with an agreed-upon repayment plan, will insulate MDWs from interest rates that licensed moneylenders are allowed to charge, which may perpetuate the cycle of borrowing for some MDWs.

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  • 바카라사이트주소

    There has been a good amount of debate on the issue of personal mobility devices (PMDs) - mostly pushing to ban them from Singapore's pedestrian ways.

    Indeed, there are strong arguments in favour of a ban as a 65kg rider on a 20kg PMD travelling at even just 15kmh can do serious damage to a pedestrian. However, before we strike off PMDs completely, perhaps there is a solution for one type of PMD rider - those working in the delivery industry, who often come up for mention when the topic of errant PMD users is discussed.

    These delivery personnel have benefited immensely from the development of the devices and, for some people, it has opened employment opportunities. These riders typically work under a banner like Grab and are more easily trackable and trainable.

    It would be easier to control the speeding behaviour of this group through GPS-enabled company apps and body cameras, and by making the employers co-responsible for accidents on the streets with mandatory insurance.

    For additional safety, these companies could be persuaded to install an acoustic device to alert other users effectively to a PMD's approach. This is already implemented in Europe for electric cars and the technology is available today.

    Promoting the technology in specific sectors and dealing with the safety issues separately may be better than banning the devices from the streets altogether.

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  • We thank Ms Megan Tan Yun Xuan (Start teaching young students media literacy) and Mr Tan Kar Quan (Education better than just tech to combat fake news, both on July 13) for their feedback. 온라인카지노

    With the speed and virality of the spread of falsehoods online, and the introduction of new digital technologies, we need a spread of tools to move swiftly against online falsehoods.

    Legislation is a necessary part of our multi-pronged approach, as it enables us to quickly address and stem the damage from falsehoods that harm the public interest.

    Public education is an equally important tool in our approach. We agree that a discerning and well-informed public is our best defence against online falsehoods.

    The Government works closely with and supports partners in their information and media literacy programmes.

    For instance, the National Library Board's Source. Understand. Research. Evaluate (Sure) programme teaches students, working adults and the general public how to discern false information. 바카라사이트


    There is also the Media Literacy Council's Better Internet Campaign, which promotes safe and responsible use of digital technology.


    In schools, the Ministry of Education has rolled out a New Media Literacies toolkit as a teaching resource, which provides lesson ideas on how teachers might infuse new media literacies in any subject area. The toolkit has been made available to all primary schools, secondary schools and junior colleges.

    To guide public education efforts in information and media literacy, the Ministry of Communications and Information recently launched the Digital Media and Information Literacy Framework, with a view to empower Singaporeans to be discerning producers and consumers of information (visit www.digitalreadiness.sg/literacy for details).

    All of us can play our part in using technology safely and responsibly, by giving due consideration to the consequences of our online actions, being vigilant against fake news and online scams, and not forwarding a story or news when we are unsure of its veracity.

    As we strengthen our digital and media literacy as a community, and are equipped with legislation for swift action when the need arises, we can build resilience as a society against the harms of falsehoods.

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  • 바카라사이트주소

    I thank Ms Priscilla Ang Ee Lin for highlighting the international athletes who played multiple sports at a young age (Let children try different sports to groom better athletes, July 22). 

    In Singapore, many of our successful athletes have also benefited from multi-sport exposure during their developmental years.

    There is scientific evidence to show that successful elite athletes in most sports specialised at a later age and trained less in childhood. In addition, children who play multiple sports between the ages of six and 12 develop stronger fundamental motor skills, aerobic fitness and confidence.

    Children who specialise in a single sport before the age of 12 are more likely to undergo a high volume of training, and are more susceptible to burnout and overuse injuries. Studies show that those who participate in sports more hours per week than their age, or train intensely for more than 16 hours a week, should be monitored closely to mitigate the risk of overuse injury.

    There are some sports where early specialisation is acceptable during pre-adolescent stages because peak performance takes place in the teenage years.

    These sports include gymnastics, diving and figure skating.


    However, the majority of sports are classified as "late specialisation", including athletics, badminton and team sports such as basketball and football.


    The Junior Sports Academy programme, developed by the Ministry of Education in collaboration with the National Youth Sports Institute (NYSI), is based on the principle that playing multiple sports is more beneficial for young children.

    The programme enables about 1,600 Primary 4 to 6 pupils to play four sports over a two-year period before they choose their co-curricular activity in secondary school.


    Outside of school sports, the ActiveSG academies and clubs also provide children with the opportunity to participate in a diverse range of sports and physical activities.

    The NYSI also provides support to high-performing youth athletes who specialise later or choose to switch sports. Our aim is to help these athletes maximise their potential so that they can go on to excel for Singapore at major games and international competitions.

    Youth athletes can take varied developmental pathways. Hence, it is important to give them the opportunity to develop at their own pace, and in their sport of choice.

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  • This phenomenon is not new. Several factors were cited for this new low. Young people are putting their careers first, dating later, and getting married and having children even later. Some may even marry past 35 years old, which is often cited as an age of concern for childbearing. 카지노사이트

    The age of the mother has also been associated with the rise in the number of special needs children in some studies.

    We will then be hit by both a large greying population as well as an increase in special needs children in the population.

    A comprehensive review is thus timely to examine and rectify societal norms before our demography becomes economically unviable.

    It is controversial to encourage dating in teenage years. Many parents would frown upon it.


    However, we can help young people to socialise more and to remember their childhood friends while they are still in school.


    With more friends on the social radar, it may make finding the right one to date a little easier. 인터넷카지노

    New schemes can be introduced to help companies facilitate socialising in the workplace.

    Staff evaluation could consider whether the employee is married with children. With the knowledge that the company is more understanding towards those with a young family, the younger generation will be more positive towards settling down and starting a family earlier rather than later.

    Medical technology such as egg freezing should be encouraged among younger women to ensure that the quality of the egg is preserved should they decide to conceive later or should they have difficulties finding the right person to marry.

    There may be many concerns with such technology, but laws, rules, guidelines and protocols can always be set to regulate the use of the harvested egg.

    Licences may be issued only to public healthcare institutions to allay any concerns of abuse from the conservative public. 온라인바카라

    There are many more areas to improve on before we can see the younger generation taking the bold step to start a family when they are young.

    For the sake of the future generation and the rapidly greying population, we have to adopt bold and drastic measures to stem the slide in our population growth.

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