IN FOCUS: Is it too late to defuse the ‘ticking time bomb’ of Malaysia’s fast-ageing population?

Malaysia has 393 registered elder treatment facilities and 26 care homes, with an extra 700 to more than 1, 000 unregulated services, according to a United Nations Development Programme document published last June.

Even with most people preferring to treatment for their old at home, many services now face long waiting lists, and the desire will only increase in the coming years, it said.

Genesis Life Care co-founder Phang Sue Ling. ( Photo: CNA/Fadza Ishak )

Phang Sue Ling, a physician and co-founder of Genesis Life Care, a long-term care services company in Malaysia, believes the schedule of the light report is” a bit too late”.

She estimated that Malaysia has just about 30, 000 treatment centre pillows, while its much smaller ally Singapore has already made plans to expand its healthcare home base power to 31, 000 by 2030.

” We have so much more to get up on. And with all this government, for perhaps private business people to open up areas to help ease the burden we have, it’s never easy for us as well”, Phang told CNA.

Genesis, which provides services like strokes recovery, memory treatment and preventative care, operates four areas in Klang, Kajang, Petaling Jaya and Puchong, with the Klang and Petaling Jaya shops at more than 90 per share ownership.

Phang hopes Malaysia’s future ageing society white paper is simplify licensing requirements for treatment centres, such as the greatest number of floors permitted.

Nithiyaraja Selvarajan, chairman of Sukha Golden Sanctuary, a day center for seniors in Petaling Jaya, said the second licensing regime may also use across state governments and city councils.

” You have these little Napoleons, where they impose things which sometimes make it tough for operators to get a licence”, he told CNA, referring to state and local authorities.

Selvarajan estimated that less than 20 per cent of senior living facilities in Malaysia are licensed.

Both Selvarajan and Phang lamented the lack of financial support from the government in operating these private facilities, suggesting tax breaks as one measure they would be grateful for.

” We don’t want to charge too high, because you want to provide that service to the community, but at the same time we want to stay afloat”, Selvarajan said.

While Phang acknowledged the government had more pressing expenditure needs, she asked if Genesis could get tax exemptions for every patient it takes in from the Department of Social Welfare and cares for at subsidised rates.

” This, I think, can be a way that we work together with the government to solve our problems”, she added.

Over at the Kenang Budi Welfare Organisation, a traditional old folks ‘ home in Petaling Jaya, its manager Jason Wong said more volunteers are needed to help out with day-to-day operations.

These homes, usually a bungalow-style basic facility, are often run by non-governmental or religious organisations. They offer free accommodation for seniors in need and rely on public donations as well as a yearly but irregular stipend from the government.

Wong’s facility takes in only government- or hospital-referred seniors who do not have next-of-kin, or relatives willing to care for them. The home, which has since moved to Subang Jaya, can house 19 residents. It now has 17 residents after two recently died.

” In one year, I can have six to seven new residents”, Wong told CNA. ” The problem ( of demand exceeding supply ) will only worsen as Malaysia ages”.

At the other end of the senior home spectrum is the Millennia Village in Seremban, which offers resort-style independent living.

The price for a couple starts at RM6, 500 a month including full board and meals.

Millennia Village chairman John Chia said he is getting a lot of interest from foreigners from countries like China, Japan and Singapore who cannot afford to retire in such a high-end facility back home.

He urged the federal government to relax the housing purchase requirement in Malaysia’s retirement visa scheme and allow foreigners to qualify if they choose to lease a unit in such a facility.

As for locals, Chia said a senior couple living in Kuala Lumpur would probably spend more living by themselves than at Millennia Village, based on a rough calculation of rental, utilities, meals and domestic helper fees.

Opting to live in such a communal facility entails a “mindset change” – one that Chia thinks an increasing number of seniors will make.

” With people living longer and being more affluent, and their children not living with them anymore, I think there will be greater attraction ( to such facilities )”, he said.

Millennia Village chairman John Chia. ( Photo: CNA/Fadza Ishak )

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GE2025: WP notes ‘significant’ changes to boundaries in areas it’s been working; PSP questions ‘drastic’ tweaks

SINGAPORE: The opposition Workers ‘ Party ( WP ) noted” significant” changes to areas where it has been “working consistently for the last few years”, in revisions to&nbsp, Singapore’s electoral boundaries&nbsp, released on Tuesday ( Mar 11 ).

Meanwhile, the Progress Singapore Party ( PSP) questioned what it called “drastic” tweaks to the boundaries&nbsp, ahead of a coming General Election, which left just nine constituencies untouched from the last polls.

The Singapore Democratic Party ( SDP ) also said it was “disappointed” with the disappearance of two&nbsp, Single Member Constituencies ( SMCs ) &nbsp, – Yuhua and Bukit Batok&nbsp, – where it had previously contested.

Different smaller opposition parties to voiced dissatisfaction at some of the changes, yet as they expressed readiness to adjust to a revised electoral map.

Voters must head to the polls by November to elect 97 Members of Parliament ( MPs ) across 33 constituencies, up from 93 MPs and 31 constituencies previously.

This was after the Singapore government accepted recommendations released by the Electoral Boundaries Review Committee ( EBRC ) on Tuesday.

In response, WP said the confirmation of the political restrictions was a crucial part of election procedures.

” The statement contains some simple justifications for the rewriting of limitations, such as the people growth of certain political districts”, the group said in a Facebook post.

WP added that it will share more information in due course on the good districts it will challenge and its possible prospects.

PSP said it was “heartened” that the EBRC disclosed more of the logic behind the advice in its review this time.

” However, PSP’s perspective is that much of the EBRC’s decision-making remains unknown, and the EBRC may have accounted for population shifts without making major changes to existing big political boundaries”, the party said in a statement.

” For instance, the population changes to Hong Kah North SMC because of the novel Tengah house could have been dealt with by merging it with Yuhua SMC and Bukit Batok SMC to form a new GRC.

” Otherwise, this was used to support changing the political boundaries of Jurong GRC, West Coast GRC, Chua Chu Kang GRC, Tanjong Pagar GRC and Radin Mas SMC.”

In an appointment with CNA, PSP Non-Constituency MP Hazel Poa moreover pointed to Telok Blangah hospital in West Coast GRC, which saw the tightest competition in the 2020 elections, with the PAP edging out PSP.

Noting that the hospital was moved to Tanjong Pagar GRC, she said this” made Tanjong Pagar GRC very great, so that they have to cut out an SMC”, in reference to the fresh Queenstown SMC.

Ms Poa said this” doesn’t produce feel, because you could have made Telok Blangah an SMC to begin with, and then keep Tanjong Pagar only”.

” So we do think that there are certain adjustments that are not entirely explained,” she added.

PSP said it would examine the EBRC report and make more disclosures about where it would contest the election.

Ms Poa said the group do” take into account how acquainted with we are with that location and whether we have been walking the grounds that properly “in deciding where to move.

In a speech to CNA, SDP said the whole procedure of redrawing political restrictions” lacks clarity, done without open dialogue among partners”.

The party added that it will have to analyze the information of all the changes cautiously and strengthen its plans.

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Pet groomer pleads guilty after dog she left unattended on grooming table died

SINGAPORE: A pet groomer pleaded guilty on Tuesday ( Mar 11 ) over the death of a dog she left unattended on the grooming table&nbsp, in July 2024.

Vanessa Chiu Yan Er, 29, had been accused of failing to secure a dog with a double-arm switch, resulting in the canine slipping off the cleaning table and hanging by its throat from its leash for an extended period, and finally dying. &nbsp,

The jury heard that on the day of Jul 24, 2024, Chiu had been grooming the puppy named Fendi&nbsp, at her home-based dog grooming shop – Pawkins SG.

At about 1pm, she left for a meal split with her fiancé and an individual.

Before leaving, Chiu performed some place washing but did not secure Fendi with a double-arm switch. She merely secured the puppy with a short leash.

According to the trial, the common practice is to keep the puppy on the floor if unattended. But, if it has to be left on a table, the dog may be secured. &nbsp,

The three of them went to a coffee shop for breakfast, leaving the canines in the salon&nbsp, unattended for 45 days. &nbsp,

At 1.45pm, the pups started to howl eagerly. &nbsp, Closed-circuit broadcast images shared on social media showed the dog with a collar around its chest that was attached to a grooming shoulder meant to hold it in place.

The dog after fell off the table and was hanged by the throat until it died.

When Chiu’s individual returned, she found the dog still and called for help. &nbsp,

Chiu checked for a signal and attempted respiratory treatment. Along with her fiancé, Chiu rushed Fendi to a clinical evacuation center. But the puppy was indifferent and had no rhythm.

Seeking a fine of between S$ 16, 000 ( US$ 12, 020 ) and S$ 20, 000 as well as a disqualification period of 12 months, an NParks prosecutor said that Chiu should be held to a higher standard as she is a trained pet groomer and a partner and owner of the grooming salon. &nbsp,

The trial added that public deterrence is needed to teach and hinder like-minded offenders.

Citing a CNA content published in Aug 2024, he said the situation had caused people discomfort and unease and that there were at least seven different cases of cruelty of animals making the headlines in 2024. &nbsp,

In response, the prosecutor said if the trial intends to continue with the debate that there has been an increase in the occurrence of such circumstances, fresh facts and figures are needed. &nbsp,

In seeking a lighter sentence for his client, Mr Alain Abraham Johns agreed that Chiu had failed to secure Fendi in a correct clothing, but she did not intend to produce the canine any damage. &nbsp,

” This was an innocent error with a really horrible consequence”, he said.

” She offers no reason, it was a mistake. She should have double-arm locked Fendi but because of work and ( in her ) haste of doing certain things, she omitted to doing so”.

He sought for a great of S$ 3, 000 and a dismissal of nine months.

Mr Johns said that Chiu is an pet lover and don’t accept herself for making an error which resulted in a loss of life, adding that she is profoundly regretful. &nbsp,

The situation has been adjourned to Apr 8 for prevention and punishment. &nbsp,

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Popular Haji Lane cafe Rumi The Poet’s Cup announces closure

No formal explanation has been given for its closing. In a video posted on&nbsp, Rumi The Poet’s Cup’s Instagram page, a concept could be seen:” Dear Rumians, you’ve made these ages amazing. The reports shared over boiling cups, the quiet moments of projection, and the securities we formed are riches we’ll take with us constantly.

” And while it is with a heavy heart that we close our gates, we believe that one will soon opened. But dear friends, this is not a good, it’s a see you afterwards.”

CNA Lifestyle has reached out to&nbsp, Rumi The Poet’s Cup for opinions.

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Chocolate Finance CEO says withdrawal issues can be traced back to ‘gaming’ of miles reward system

SINGAPORE: When Chocolate Finance discovered that some consumers were “gaming” its kilometers compensation structure by making large payments on AXS machines, the economic services program decided to “nip it in the bud”.

This led to&nbsp,” a lot of unhappiness that such a lucrative benefit was suddenly cut short”, founder and CEO Walter de Oude said on Monday ( Mar 10 ).

The change wasn’t effectively communicated to users, who grew uneasy and started withdrawing their cash &nbsp, – thus depleting the pool of cash that Chocolate Finance maintains for instant payments.

It inevitably meant the quick withdrawal support had to be temporarily suspended.

Mr de Oude was speaking to CNA in an exclusive&nbsp, meeting time after Chocolate Finance issued a declaration attributing the suspension&nbsp, to an “unusually great” number of requests.

Chocolate Finance is operated by Chocfin, which is licensed and regulated by the Monetary Authority of Singapore ( MAS ) to perform fund management activities.

In response to CNA’s questions, MAS said it has instructed Chocfin to maintain it returns resources to users in an orderly manner and to keep clients informed of innovations.

“MAS is separately querying Chofin about its representations of its instant withdrawals ( programme )”, a spokesperson said.

” ABSOLUTELY HUGE PAYMENTS” ON AXS

When Chocolate Finance designed its miles reward programme, the firm wanted its debit card to be” all inclusive” so that customers could earn on nearly anything they spent on.

This included education fees and AXS, a bill payment platform.

Mr de Oude pointed out that shops usually pay a fee to services firms like Visa or Mastercard each time a card is used, and that the fee is shared with the company issuing the card&nbsp, – Chocolate Finance, in this case.

When a card is used at an AXS machine, however, Chocolate Finance doesn’t get any benefit.

” Yet, we were sponsoring the miles”, said Mr de Oude, who previously founded insurance firm Singlife.

Chocolate Finance knew its miles programme would not be sustainable based on AXS transactions alone, but had hoped that the gains from other transactions would” subsidise” the miles it was sponsoring.

The company thought there would be a balance that way, but it didn’t play out in reality.

” There was a little bit of gaming going on by customers”, said Mr de Oude, adding that it gradually became “quite evident” that the company could not keep giving miles on AXS transactions.

” We had a couple of customers making absolutely huge payments on the cards… specifically on the AXS to really maximise miles”.

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No government grants given for upcoming Lady Gaga concerts in Singapore: Edwin Tong

SINGAPORE: No government subsidies were handed out in order to secure the upcoming Lady Gaga concerts, said Minister for Culture, Community and Youth Edwin Tong in parliament on Monday ( Mar 10 ).

Responding to a question from Member of Parliament Sitoh Yih Pin ( PAP-Potong Pasir ), Mr Tong said that arrangements for the concerts were handled directly by Kallang Alive Sport Management (KASM).

” They negotiated instantly with the performer and her crew, including Life Nation”, added Mr Tong, who had before in the day laid out his agency’s saving ideas for the year.

” No federal grants were given to secure this function. This was a purely commercial agreement between the designer and the place”.

In response to queries from CNA, STB’s director of luxury events&nbsp, Guo Teyi said:” We welcome Lady Gaga’s music to Singapore’s vibrant pleasure calendar&nbsp, – an accomplishment by our business partners that reflects our city’s charm as a leading lifestyle location.

” Singapore’s success in hosting key international occasions stems from the collective power of our enjoyment ecology. Our business partners have built strong expertise and sturdy track records in delivering excellent experiences.

” This is complemented by our world-class facilities, strong regional connection, excellent facilities and various accommodation options that cater to different traveller interests”.

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Singapore working to expedite Indonesia’s extradition request for wanted businessman: Shanmugam

SINGAPORE: Singapore is working to expedite Indonesia’s extradition request for a businessman at the centre of a corruption case linked to a government project, said Law and Home Affairs Minister K Shanmugam on Monday ( Mar 10 ).

It is the first event under a new abduction agreement between Singapore and Indonesia, which was signed in January 2022 and came into force in March last year.

Businessman Paulus Tannos was in 2019 named by the Indonesian government as a suspect in a fraud case linked to the president’s electronic ID card initiative, which caused the state about 2.3 trillion dirhams ( US$ 140 million ) in costs.

The merchant, who also goes by Tjhin Thian Po, has been living in Singapore since 2017. He is a permanent resident below.

Tannos is currently in remand without bail after being arrested by the Corrupt Practices Investigation Bureau ( CPIB ) on Jan 17. His abduction case is before the Singapore prosecutor, said Mr Shanmugam.

” It all depends on the files that we get, how obvious they are from Indonesia, and what sort of claims Tannos puts up, and how the jury approaches it”, the chancellor said in a press conference on the subject.

” From the government of Singapore’s view, we will do everything we can to expedite”.

In response to a question from CNA on how Indonesia has responded to the timeline for Singapore’s due process, Mr Shanmugam said the Attorney-General’s Chambers ( AGC ) is in constant communication with its Indonesian counterparts.

He said how hard the case proceeds depends on the claims by Tannos and his attorneys and elements such as the available schedules for the court trials.

” I think so far we’ve been focusing on making the applications in court, and they ( the Indonesians ) understand the process”, he said.

FIRST REQUEST IN DECEMBER

On Dec 19 next year, Singapore received the first request from Indonesia to assault Tannos, said Mr Shanmugam.

The business allegedly helped his firm PT Sandipala Arthaputra secure a rigged sweet for the government initiative, and embezzled around 140 billion ringgit from the task between 2011 and 2013.

He did no engage with Indonesia’s anti-corruption heart’s studies, leading to him being put on the government’s most-wanted record in 2021.

” Singapore took the demand from Indonesia very severely. This is the first event under the extradition agreement between Singapore and Indonesia”, noted Mr Shanmugam.

Extradition refers to the transfer of persons wanted for a murder in another country. Singapore even has abduction partnerships with other sites, such as Germany, Hong Kong, Malaysia and the United States.

” Our companies are required to determine whether the plea comes within the construction of the abduction agreement, so CPIB was asked to do that together with the Attorney-General’s Chambers”, said Mr Shanmugam.

” They did the judgment and took the view that the demand did collapse within the agreement”.

On Jan 17, CPIB applied for and was issued a warrant of arrest for Tannos, and he was taken into custody on the same day, said Mr Shanmugam.

Upon his imprisonment, Tannos was put in custody without parole, pending the obedience of a formal demand for his abduction.

While Tannos produced a political card from East African state Guinea-Bissau, the Singapore government was advised by the AGC that it does not give him political immunity, as he is not accredited with the Ministry of Foreign Affairs.

” He has no political immunity to prevent the arrest and the abduction. That’s the president’s place”, said Mr Shanmugam.

While Tannos and his attorneys are entitled to acquire this up in court and have said they will follow up correctly, they have not done so, said the minister.

Evaluating OF DOCUMENTS

About two months ago, on Feb 24 this season, Singapore received Indonesia’s proper request for extradition, along with the appropriate files, said Mr Shanmugam.

The AGC is now reviewing the demand and all the papers, together with other companies such as the CPIB. Once all the criteria for abduction are met, the operation will go back to court and it will kickstart the formal extradition order, said Mr Shanmugam.

” If Tannos doesn’t challenge his abduction, he may be extradited in six weeks, maybe even less. But he has told the court that he will not assent to the extradition, and that he did in fact be contesting the extradition, so the process naturally does take more”, he said.

The court will now have to find a date to hear the submissions from both sides, before coming to a decision, said Mr Shanmugam.

Tannos will also seek more time for his lawyers to prepare his case, and if the court eventually allows the extradition, he is entitled to appeal too, said the minister.

” Hearings can vary from case to case. The full legal process, if it’s contested at every step of the way and is complicated, can even take two years”, said Mr Shanmugam.

” It is not like we can just put him on a plane and send him back. There are formal processes”.

When someone enters Singapore on a false pretext or passport, they can just be turned back to the country of origin, but the circumstances of Tannos being in Singapore are different, said Mr Shanmugam.

” He’s got to go through the formal process because he’s got a valid passport, he’s validly in Singapore, and he’s accused of something”, he said.

“AGC is working very much on this. We take this very seriously, and the AGC will try and expedite the whole process”.

The Ministry of Law said in a media release that the Singapore government is “fully committed to combating crime and upholding our role as a responsible extradition partner”. &nbsp,

” The Singapore government is taking the case very seriously, and will do all possible under the law to facilitate the request for Tannos ‘ extradition”, it said.

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Chocolate Finance halts instant withdrawals due to ‘high demand’

SINGAPORE: Chocolate Finance has temporarily suspended instant fund withdrawals due to “high demand”, it said in a notice to customers on Monday ( Mar 10 ).

The financial companies program said that payments will then get three to 10 working days before they are reflected in people ‘ bank accounts. For removal requests also cannot be cancelled after confirmed.

The expulsion comes after private banking influence Seth Wee, better known as Sethisfy, uploaded a YouTube video on Sunday explaining his decision to withdraw all his money from Chocolate Finance. One reason he gave was the company’s treatment of help for AXS payment. &nbsp,

The leader of&nbsp, traveling website The MileLion, Aaron Wong, had also flagged the treatment on Mar 5, with both articles making the rounds on Reddit and&nbsp, HardwareZone website.

Mr Wee and Mr Wong both highlighted that Chocolate Finance’s first speech seemed to indicate that AXS had decided to stop accepting the agency’s payment cards. But, AXS later clarified that Chocolate Finance had requested the removal.

Chocolate Finance started working with AXS on Feb 11 and removed its Visa debit card, which touts zero foreign exchange ( FX ) market fees among its offerings, &nbsp, from the payment platform on Mar 5.

Finance blog Dawn Cher, also known as SG Budget Babe, even shared in an Instagram account post that she had received a separate email from Chocolate Finance, which attributed the increase in payments to being “partly driven by social media”. &nbsp,

COMMUNICATED CHANGE” Bad”

It started when the company launched a relationship that allowed users to make two miles per dollar on all saving, including typically excluded categories such as training fees, bills and AXS payments.

Chocolate Finance founder Walter de Oude said bill payments, especially through AXS, surged “far beyond expectations” and made the partnership “unsustainable”.

He said the company asked AXS to disable the Chocolate card instead of blocking bill payments entirely, and that the move “ensured the programme’s goal of balanced rewards”.

” But it happened so fast ( that ) we communicated this change poorly”, Mr de Oude said in a LinkedIn post.

Chocolate Finance initially “mistakenly implied AXS initiated the change”, though he said it was quickly corrected. &nbsp,

Customers using AXS were frustrated by the sudden removal, and this led to negative reviews, increased withdrawals and overall negative sentiment, he said.

Mr de Oude agreed in the same post that communications need to be well timed, relevant and detailed.

” I’ve also learned that offering a freebie that you know to be unsustainable is not a great way to build long-term trust and relationships”, he said, adding that Chocolate Finance will be stronger after learning from this mistake.

The company said in a statement on Monday afternoon that Chocolate Finance remains a” strong and stable place for your spare cash” and that it is “here for the long run”.

It said transparency and customer service are its” top priorities”.

INSTANT WITHDRAWALS

In their website FAQs, Chocolate Finance previously allowed up to S$ 20, 000 in instant withdrawals per day due to its” Chocolate Liquidity Programme”.

It said that any money that is deposited into its account is invested in a portfolio of fixed-income funds designed to optimise returns.

But as the platform recognises the importance of liquidity, it added that the programme is an “awesome incentive”, giving its customers instant access to their money.

The company said on Monday that fund managers typically do not offer instant withdrawals, and Chocolate is returning to the” standard fund redemption process” due to the temporary surge in withdrawals.

” This pause is not a liquidity issue but a matter of managing our increased transaction volume”, said Chocolate Finance, adding that card transactions are also temporarily paused.

Chocolate Finance said it is actively implementing measures to manage increased transaction volume and to expedite the return to normal service.

WHAT IS CHOCOLATE FINANCE?

Chocolate Finance was founded last year by de Oude, who also founded insurer Singlife. It is a brand under Chocfin, a capital market services licence holder regulated by the Monetary Authority of Singapore.

According to its website, funds with Chocolate Finance are held separately by custodians, including HSBC, and are not covered by the Singapore Deposit Insurance Corporation as it is not a bank.

When it launched, its higher than average cash returns- 3.3 per cent per annum on the first S$ 20, 000 deposited, &nbsp, 3 per cent per annum on the next S$ 30, 000 and a target of 3 per cent per annum above that- created some buzz among investors.

” We take no fee and make no money until we deliver the target returns”, Chocolate Finance said.

It also promised to offer even better cash returns for those parking United States dollars- a future offering promised 4.6 per cent per annum on the first US$ 20, 000 deposited&nbsp, and&nbsp, 4.2 per cent for the next US$ 30, 000.

These targets are, however, subjected to change based on market conditions, according to Chocolate Finance.

CNA has contacted Chocolate Finance for more information on its decision to temporarily suspend instant withdrawals.

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