Dear NTUC Income.

Mon, 29 Aug 2011
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Last year, I wrote about how convenient your service was when it came to renewing my motorcycle insurance.

NOW LOOK AT THE MONSTER YOU HAVE BECOME:

Motorcycle insurance renewal letter: no, I'm not interested in calling my agent or your 24-hour customer service hotline! I just want to click a button and give you my money!

AND ON YOUR WEBSITE:

NTUC Income Online: where is the renew button for me to renew my motorcycle insurance?

What is – I don’t even – which hamster told you that customers are desirous of this heinous pigletry???

I don’t want to “call [my] agent or [your] 24-hour hotline” because I don’t need to talk to a human being to do this.

I just want to click a button and give you my money so that you can insure Le Poots and I – that is all.

Like what you see in this picture here, just in case you’ve forgotten what convenience and customer service is all about:

Customer service and convenience, circa 2010.

At the same time, it seems my premium has increased to $322.58. Why?

If you think this is an uneducated grouse, don’t worry – I know what the basic principles of insurance entail.

Nevertheless, my question centres on a logical Key Performance Indicator that all efficient insurers should adopt (or should have at least adopted), and that is: insurers must aim to maintain or reduce the year-on-year premiums that a customer has to pay.

But why can’t insurers meet that aim in Singapore?

Is it because of:

I have no ready answers.

But if anything, ladies and gentlemen, this is yet another reason why we need honest and customer-oriented people in charge of the organisations and institutions in our country.

This… is… DEMOCRACY!

Sun, 28 Aug 2011
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CAUTION: This is Sparta!

So after the first round of the Singapore Presidential Election 2011 (PE2011) results came out last night, I posted this status update on Twitter and Facebook:

If there’s gonna be a recount, can I also recast my vote?

Subsequently, I received comments/@replies to do with breast-beating and vote-splitting.

I also had the pleasure of reading similar-sounding status updates around the same time.

To clarify, when I posted that update, I meant it as a tongue-in-cheek critique of the decision to proceed with the recount.

I was fully aware that a recasting of the vote was and is impossible (although I think a run-off vote might be a good idea in the future so that the candidate that is elected goes into office with the support of a clear and distinct majority).

What I meant was: look, if the difference was 100 votes, I’d wholeheartedly say yes to the recount. But if the difference was 7000 votes, how far off could the vote-counters have been?

Was it not a waste of the vote-counters’ and the electorate’s time with a decision that was logical in theory but not in practice?

Many people were complaining about how the vote had been split, and if Tan Jee Say and Tan Kin Lian hadn’t contested, Tan Cheng Bock wouldn’t’ve have had his vote share eroded, and he would’ve become the elected President instead.

I agree that the vote was split in that there were four candidates, so each candidate garnered a share of the vote, however large (or small) it might’ve been.

But to quote a friend on Facebook:

Democracy means I suck thumb and accept this Tan.

There were four candidates; we voted; the Tan of our choice didn’t get in – deal with it.

P.S. To preempt any criticism regarding the picture at the top of my post: yes, I’m also aware that Sparta used to be an oligarchy…

P.P.S. Yawning Bread and Yee Jenn Jong have quite interesting takes on PE2011.

“Your vote is secret”: Voting and ballot secrecy (Part II).

Sat, 27 Aug 2011
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Pursuant (LOL) to my previous post on voting and ballot secrecy, I will now explain what the phrase “Your vote is secret” means.

Common misinterpretation (or myth):

You cannot tell anyone how you voted or how you intend to vote, because that’s a secret.

NOPE.

Correct interpretation:

  • Your vote/voting intention is only a secret if you want it to be a secret from everyone else.

  • You can tell people how you voted/how you intend to vote. There’s no law which mandates that you keep your vote/voting intention a secret.

    In fact, you should discuss your voting inclination as often as you can.

    Discussions of voting decisions, processes, etc. are always healthy and fruitful – so long as these discussions are conducted in a healthy manner, of course, with healthy people who are willing to listen to you, as opposed to, say, antagonising/intimidating/irritating/pooh-poohing you.

  • The only way to confirm how you actually voted would be to:

  1. Obtain a court order to open up the ballot boxes (and – mind you – there needs to be a good reason for this),
  2. Trace your polling card number to the voting slip number, then
  3. Find the correct voting slip hidden among the hundreds of voting slips in the ballot box.

Who is going to go to all that trouble?

Addendum:

Agagooga a.k.a. Gabriel Seah made a very insightful comment on Twitter about this:

One should vote holistically. If I had to agree with everything a party/candidate said I’d spoil my vote.