Mr Bean wrote:FYI you have to factor in American living costs so for 60$ a day that's 300 a week 1200 a month in a place where a shitty apartment plus shitty renters insurance (Which every rent place makes you buy) plus heating, water and gas will cost you 560$-640$ a month. Meaning your standing expenses eat half your budget before you add in food and gas money means your looking at 800$ a month in expenses or roughly 400$ a month free to spend on frivolity like clothing or dental heathcare (Which the heath plan won't cover) or doctor visits since limited America heathcare just means going to the emergency room won't instantly bankrupt you but a two day stay in the hospital will.
Er.... I made a mistake in my math.
Although the wages of 1200 dollars a month does apply to my enrolled nurses. Once one takes away CPF contributions(mandatory saving program), they have a takehome pay of 900 dollars to 1 thousand, including ward and night shift allowances.
My starting take home pay was 1.4k a month including allowances, although I had hit 1.5k when I done nightshifts on consecutive weekends. Income tax at that level, since I had tax deduction for staying at home with my parents is neglibible.
It sorta hit me hard though, because the complaints about wage scales and costs of living in Singapore don't really start to hurt until you start comparing it to overseas. My colleague, who's a filipino pays 200 to 300 dollars a month rental, and he achieves this because he's staying with buddies in a single room. A rental apartment with utilities will cost several THOUSAND dollars.
http://www.rentinsingapore.com/current_ ... rket_rates
Granted, the facillities aren't the equivalent of the studio apartment with a hot stove but its still cramped and basic, as people double up to save on costs.
And the only advantages these guys get is because they're working for a hospital, they enjoy some medical benefits. This as opposed to those working in other service industries.
Kanastrous wrote:I'm unfamiliar with labor practices and public policy, in Singapore - are the wages at all offset by things like public health care programs, good useful public transit, housing assistance, etc?
Other than public transit, no.
At least, nothing on the scale of a western social safety net, and since a good majority of the low rung workers are vulnerable folks like the elderly or foreigners, it isn't enough to meet their needs at all.
We have a very extensive network of public transit, however, its something that's required due to the innumerable amount of measures created to keep car populations low. Unfortunately, as we're now the most densely populated country in the world, our infrastructure is buckling as it can't meet the load. Attempts to increase services have met into capacity and safety limits, with several public breakdowns being publicly attributed to the increased workload of our train system.
Housing assistance...... is nowhere comparable to the British system and also not available to people earning more than 1 thousand dollars a month. Neither is it available to foreigners. There used to be a very successful public house ownership scheme, which has broken down due to the rising costs of public flats. My new home, costs me an additional 300 dollars in interest a month, on TOP of my deductions from my mandatory saving program(CPF) and it will take me more than 20 years to pay off the loan.A 5 room flat apartment,103 square meters in size, costs me more than 300 thousand dollars, and its cheap because now, the prices would have hit 400 thousand dollars.
And these are with public subsidies, government loans factored in. At least the insurance comes involved with it, and I bought castrophic insurance to cover the deaths of myself, so, even if I do die, as long as a minium sum has been paid, the apartment is ours.
http://www.hdb.gov.sg/
I'm going to assume you're talking about healthcare assistance as opposed to public healthcare programs, where we do score well in anyway. Prices here are cheap compared to the costs I keep seeing in the States, but its still much more expensive compared to Japan, Taiwan,Germany or well, any other co-pay scheme available in a developed first world country.
Primary healthcare is 80% private, 20% public, with most GP charging around 20-30 dollars per consultation. Going to a public polyclinic is much cheaper, with consultation begining from 8 dollars and public subsisdies on certain medications. On average, bills with meds cost around 40 dollars or so, although this seriously depends on the level of polypharmacy you're at.
http://www.nhgp.com.sg/ourservices_list ... ories.aspx
Dental sucks though. Its a month or so to squeeze into the public lists, and even if I could do it, it still costs me tens of dollars to do so for basic polishing and examination. Paying an additional 20-30 bucks for that is usually much more convienent for me. The only time I used the system was to get my wisdom tooth extractions, braces or x-rays done since its much cheaper and isn't an "emergency" situation.
This is our hospital bill sizes in mean.
http://www.moh.gov.sg/content/moh_web/h ... lSize.html
Public finanicing for hospital bills are paid for via the 3Ms scheme.
http://www.moh.gov.sg/content/moh_web/h ... ncing.html
Medisave, which is a component of our mandatory saving account(the much beloved HSA of US conservative dreams), Medishield, a government opt out insurance scheme and Medifund, a community chest which helps defray bills for the poor and needy.
Private insurance is easily bought for via our equivalent of the HSA, which are easily more comprehensive and includes allowances to cover your daily needs expenses, although the Medishield is comprehensive enough to cover for basic treatment. The issue comes with regards to the newer technologies and drugs and that is where private insurance supposedly excels over public insurance.
The government also steps in with subsidisation of hospital bills for the "public" hospital stay, ranging up to 80% for needy patients.
However, these are only with regards to hospital finanicing, with medication bills paid for out of pocket for the majority of Singaporeans. Most basic drugs are subsidised,(they FINALLY subsidised HIV meds..... the bastards) but well.... remember that whole NICE issue in britain with regards to glaucoma? we have that too. HIV drugs was one HUGE fucking issue and most patients eventually got their drugs from Thailand generics.
Its fucking annoying because we face the problems of both private and socialised medicine. The patients are paying for the bills, which run into cost problems, and public assistance can be limiting and we do run into long waiting lists, aka, socialised medicine ills.
Our mandatory savings program, which essentially function as our "social security" net when combined with Community Chest.
http://mycpf.cpf.gov.sg/Members/home.htm
Let him land on any Lyran world to taste firsthand the wrath of peace loving people thwarted by the myopic greed of a few miserly old farts- Katrina Steiner