$36 per month cash outlay for monthly installments. WAH! really affordable leh! teeny peeny sum of money out of HH income of $4600, because the rest can be fork out using our monthly CPF contribution - FOR THE NEXT 30 YEARS. assuming we get out flats when we are 28, 30 years we will be 58. THANKS HOR! reaching retirement liao and our CPF got NOTHING for retirement because for the past 30 years contribution we took it to pay the monthly installments.

YAY! finally after 30 years we cleared our HDB loan!! can retire liao! and live on what? eat grass lor! not enough money to buy grass ah? hawker centre hiring elderly to clean tables leh!!

how about the rest of your monthly household income, you may ask?

mr garment, you forgot that we still need to pay for transport, groceries, food and PUB bills ah?and hor, need to take care of our parents leh cause they not working liao. then hor, still got min protection insurance we need to buy leh, like life/health/home insurance. (n i never include that i wish to own a car you know, just a cheaper car like toyata i happy liao, no need like you all BMW/merz leh!) like that where got extra to save in our bank (which might as well be paying zero interest) to save for retirement.

eh you got discuss this with your fellow comrades in the garment not, neh the one who wants singaporean to increase fertility? no one so stupid leh! no money for my retirement liao you think i got money to have a kid in SINGAPORE ah! baby haven poop out jiu got so many fees to pay liao (you think v cheap ah!). then baby come out liao who take care? dont work where money to buy diapers and milk powder (not cheap also hor) for the baby? work liao who care for the baby?

of course all these doesnt bother you, you have ur million dollar salary to fall back on, but please take a look at the 'common' people, and not the higher tiered singaporeans whom your salaries are tied to. most work to their death and wont be able to even hit half of your salary, and their salary increment (emphasis: THEIRS, not yours hor you got 60%??!!!! increment leh!) can NEVER catch up with the increase in cost of living.

even if all votes are being tracked, it wont deter me from not voting for the ahgong's party.