Use Case’s model agreement to deal with contractors

July 22, 2017

ST Paper, 19 May 2017, Use Case’s model agreement to deal with contractors

We thank Mr Kong Peng Sun for his feedback (Unfair renovation contracts hurt home owners; May 11).

The Consumers Association of Singapore (Case) frowns on the practice of renovation contractors asking consumers to pay a substantial advance deposit before the work begins.

From 2014 to 2016, Case received at least 713 complaints in which renovation works were delayed or stopped halfway.

Most of the consumers who were affected by such delays were those who had paid at least 80 per cent of the contractual value. This is clearly unacceptable.

Consumers are advised to ask renovation contractors to commit in writing to the payment schedule as well as the key project milestones and deliverables, with completion dates clearly documented, and pay accordingly.

Consumers should also not pay a large deposit upfront.

In this way, they can limit their losses should the contractor delay or stop work. It will also be helpful should there be a subsequent dispute.

We also encourage consumers to use our model agreement on home renovation, which can be downloaded from our website (

It provides fair guidelines for consumers to negotiate terms with contractors.

Samples of a payment schedule with key project milestones and deliverables can also be found in the model agreement.

When choosing a renovation contractor, consumers should consider a contractor under the CaseTrust accreditation scheme for better protection and faster resolution of issues, if any.

Lim Biow Chuan
Consumers Association of Singapore (Case)

Other funds available for younger S’poreans who want skills training

July 22, 2017

ST Paper, 13 May 2017, Other funds available for younger S’poreans who want skills training

We thank Mr Lionel Loi Zhi Rui for his feedback on the eligibility for the use of SkillsFuture Credit (Extend SkillsFuture Credit to younger S’poreans too; April 29).

Launched in January last year, SkillsFuture Credit aims to support Singaporeans pursuing skills or working at improving them.

It is for Singaporeans aged 25 and above as it is targeted at those who have completed their full-time education and are transitioning into or have joined the workforce.

Singaporeans below that age can tap their Post-Secondary Education Account (PSEA) to support their learning needs.

The PSEA can be used to offset the fees and charges for a wide range of courses. The list of approved programmes is at

They are also eligible for course fee funding on courses approved by SkillsFuture Singapore (SSG).

More information can be found at

Individuals with further feedback or inquiries can contact SSG via our feedback portal or on 6785-5785.

Patricia Woo (Ms)
Corporate and Marketing Communications Division
SkillsFuture Singapore

Expenses of fund raising have to be below 30% of gross receipts

July 22, 2017

ST Paper, 1 Jun 2017, Expenses of fund raising have to be below 30% of gross receipts

We thank Mr Woon Bee Chai for his letter (How much of donations actually go to charity?; Forum Online, May 26).

All charities and Institutions of a Public Character (IPCs) are required to keep their fund-raising efficiency ratio below 30 per cent.

This means that the total fund-raising expenses must stay below 30 per cent of the total gross receipts from fund raising and sponsorships of the charity or IPC for that financial year.

The fund-raising expenses would include payments made to commercial fund raisers engaged by the charity.

Should a commercial fund raiser be engaged for a charitable cause, the commercial fund raiser should ensure it has a written agreement with the beneficiary charity before beginning to solicit funds.

The agreement must contain, among other information, the fund-raising method, percentage of proceeds that will go to the charity and fees of the fund raiser.

Commercial fund raisers and commercial participants need to also meet the following obligations towards donors:

•Provide accurate information to donors or to the public

•Disclose the name of their organisation, intended use of funds raised (including the cause and/or beneficiaries) and whether any commercial fund raiser has been engaged in soliciting the donation

•Ensure that all solicitation and publicity materials are accompanied by a written statement containing the proportion of total proceeds that will go to charitable cause, a breakdown of proceeds to each charity (if funds are raised for more than one charity), the name of the commercial fund raiser or commercial participants and its status as a commercial entity, and how the fund raiser/participants remuneration is calculated

The principles of transparency and accountability are paramount. More information on fund raising as a commercial fund raiser can be found on the Charity Portal.

Members of the public should remain vigilant and be discerning in responding to public appeals, to avoid falling victim to improper fund-raising activities.

When in doubt, the public should find out more from the fund raisers before making a contribution. At no time should anyone feel pressured to give.

The public should report to the Office of the Commissioner of Charities if they have any reason to believe that a fund raiser may have violated the Fund-Raising Regulations. If fraud or scams are suspected, the public should make a police report immediately.

Ang Hak Seng (Dr)
Commissioner of Charities

Certificate required to prove food is organic

July 22, 2017

ST Paper, 8 May 2017, Certificate required to prove food is organic

We thank Mr Liew Ching Seng for his letter (Who checks on claims of food being organic?; April 29).

The Agri-Food and Veterinary Authority (AVA) adopts the Codex guidelines for the production, processing, labelling and marketing of organically produced foods, established by the Codex Alimentarius Commission.

The commission is an international food standard-setting body established by the United Nations’ Food and Agriculture Organisation and the World Health Organisation.

Businesses that sell food products in Singapore that claim to be “organic” or “organically produced”, or which make other similar claims, must be able to show proof that the food product has indeed been organically produced.

This proof would be a valid organic certificate for the food product issued by a recognised body for organic food certification.

The certifying body must adopt the Codex guidelines or similar standards for organically produced food.

Local importers and retailers of organic food products, and local farms producing organic food products are required to produce the original organic certificate when required by AVA, for verification.

Enforcement action will be taken if any food products are found to be falsely labelled as “organic”.

Wong Kwok Onn (Dr)

Director, Regulatory Administration Group

Agri-Food and Veterinary Authority

何洁 – 请不要对我说Sorry

July 12, 2017



你的道歉 看起來多認真 態度越誠懇 的擁抱會更冷
請你轉身 就別留下餘溫 如果還有悔恨 你怎麼啟程
想起我們 曾計畫的旅程 換一個人 像刪一段劇本
那故事裡 最笨都是女生 幸福我沒完成 願你夢想成真

請不要再對我 說一聲Sorry 不要再抱歉以為 能給我安慰
狠狠的掉眼淚 就讓我心碎 就算傷悲也曾 快樂對不對
請不要再對我 說一聲Sorry 感情沒有錯對 誰猜得到結尾
你溫暖的包圍 你給的昨天 不能留在身邊 留在心裡面

我曾努力的 愛著一個人 那是我心裡 最美好的過程
每顆眼淚 都曾帶著體溫 也許幸福要等 下一種可能
我曾為愛 在黑暗中狂奔 只為等你 輕輕的一個吻
我的青春 愛到奮不顧身 也接受不完整 雖然心還會疼

請不要再對我 說一聲Sorry 不要再抱歉以為 能給我安慰
狠狠的掉眼淚 就讓我心碎 就算傷悲也曾 快樂對不對
請不要再對我 說一聲Sorry 感情沒有錯對 誰猜得到結尾
你溫暖的包圍 你給的昨天 不能留在身邊 留在心裡面

我會痛 也會累 但不虛偽  不要說Sorry 說慚愧
我永遠記得你 給我的 快樂傷悲

請不要再對我 說一聲Sorry 感情沒有錯對 誰猜得到結尾
你溫暖的包圍 你給的昨天 不能留在身邊 留在心裡面
每次想你我會 笑著流 眼淚

Moringa seed 辣木籽

July 9, 2017

食客准备 – 辣木有甚麼養生價值?

周白博士講辣木-大洛杉磯台灣會館5月份園藝講座-蔬果園藝交流在美洲主辦 20170528


神奇辣木树 Miracle Moringa

Note to Singaporeans: Brunei currency still legal tender here

July 3, 2017

TODAY, 3 July 2017, Note to Singaporeans: Brunei currency still legal tender here


Most ordinary Singaporeans, it seems, may have forgotten about the long history of this currency agreement.

Following a colonial-era practice that saw currencies of all three ex-British colonies — Malaysia being the third — interchangeable on par, the first formal agreement, involving Malaysia, was inked on June 12, 1967. It was a sign of the depth of economic links between the three countries, despite the move to issue their own national currencies post-independence.

Malaysia opted out in 1973, given its domestic development imperatives, but Singapore and Brunei soldiered on for five decades, weathering economic challenges such as the 1997 Asian financial crisis and the global financial crisis, and significant structural changes to both countries’ economies, domestic monetary institutions and arrangements.

The agreement was able to withstand the test of time as the exchange rate-centred monetary policies of both these small and open economics kept inflation well in check; bilateral trade and investment also grew progressively, aided by low transaction costs from the fixed exchange rate.

Thus banks here accept from the general public Brunei currency — coins included — at par for deposit, said the MAS on its website.

Anyone who has had their Brunei currency rejected should refer the matter to the MAS, a spokesman said.

Details such as name and address of the company, date and time of incident, and what was said during the transaction should be included.

How do you find out whether an account has already been hacked?

June 26, 2017

Check if your info has been stolen

The site will sift through your accounts in search of security breaches. Run your email address and username through the search field, and it will tell you if your login information has been linked to any security breaches.

Free 100GB cloud storage for life

June 23, 2017

Hurry! Only this many accounts remain: 1494

What’s included?
1 user
Protect photos, videos and documents
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Convert chinese GB2312 to ISO-8859-1

June 18, 2017


ÎåÔÂÌì to 五月天