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Discussion Forum

28 Jun 2012, 6.00PM
The National Population and Talent Division (NPTD) has released an Occasional paper discussing marriage and parenthood trends in Singapore. The paper states that the decline in Total Fertility Rate (TFR) is attributed to two key factors:  more people are staying single or getting married later, and married couples are having their first child later or having fewer children.

NPTD has emphasized that encouraging marriage and parenthood is a priority of the Government, and the broad range of measures to support Singaporeans’ aspirations of getting married and having children include: 

  • The Marriage and Parenthood package, which has benefitted some 350,000 children and their families since its implementation in 2001. The package was last enhanced in 2008 to $1.6 billion a year, and includes Baby Bonus cash and co-savings, infant care and child subsidies, paid maternity and childcare leave as well as tax savings. 
  • The Baby Bonus Scheme, comprising a cash gift and the Child Development Account (CDA) with matching co-savings from the Government.  The CDA fund has also recently been expanded to include purchases on healthcare-related products or services (refer the Discussion Forum thread for more information).  
  • The increase in the supply of Build-to-Order (BTO) flats, and housing schemes to help couples set up home (see discussions on No Plans to Shrink HDB Flats).  First-time applicants have priority in purchasing their flats, and young couples can apply for CPF Housing Grants (such as the Family Grant and the Additional CPF Housing Grant) to help them finance the purchase of public housing.

The paper also highlights how having TFR below the replacement rate is a global phenomenon in developing countries, and some pro-parenthood policies in place in these countries.

As part of the public engagement leading to the White Paper on Population, NPTD would like to hear the public’s suggestions how to improve Singapore’s birth rate, and how different stakeholders can play a part in promoting marriage and parenthood and fostering a supportive environment for family life.

Read the Occasional Paper on "Marriage and Parenthood Trends in Singapore" (PDF:346KB) and send your ideas and suggestions via our feedback form or email us

7856 views  |  101 comments & replies  | 
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Guest
28 Jun 2012, 8.14PM
The reason for low fertility rate is partly due high cost of living and both parents have to work and no one to take take of their child... Even with child care it is too expensive. With both parents working, they have less attention to their children and the children will not have quality time with family and this will lead to unhealthy family bonding... Couples married late in order pursue high education and better pay for their future... It is all end up with affordability to get married and to sustain it throughout their marriage life and their children education and health. With competition with foreign talent, couples have to work hard in order to keep their job secured and thus lead to stressful life and lesser personal and quality time with family... At the end of the day it comes to money to have more children.... If we have a certain salary but cost of living is high thus we have lesser budget for the family. But family is not all about money, love is important. If both parents are working then there are lesser love and attention to the children and this will lead to children wondering around mixing with bad companies which will eventually affect the family and the economy in the future. What goes around come around.
Guest
29 Jun 2012, 10.11AM
It also makes very little sense to give birth to a child only to toss the child over to someone else to care for him/her. We're human beings trying to bring up another human being; not manufacturing companies trying to produce items.

When we were growing up, at least one of our parents would be able to stay home and teach/nurture the child. In the current climate it is impossible to have just one working partner while the other stays home. We can beat our chests repeatedly about how we should "manage costs" and "live within our means" and all that, but ultimately every parent only wants the best for the child, and providing the child with a sub-standard life due to lack of money is simply unacceptable for most parents. Tuition, food, school activities, even transportation to send the child to school or the clinic all cost money most middle-income people find difficult to produce.

Historically, population growth is mostly fuelled by the middle-income group (i.e. the sandwiched class), who are now forced to work long hours, pay more taxes and an ever increasing utility bill and grocery bill, deal with life-draining transportation issues and reach home with only an empty shell left. We eat, we work, we sleep, period. If the population issue is to be looked at seriously, the policy-makers would have to look at it from the point of view of what sacriface we are willing to make - do we want continued productivity fuelled by aliens whom we will try to assimilate, largely unsuccessfully, and risk breeding Singaporeans out of Singapore? Or are we willing to bend a little to ensure the continuity of Singapore as a nation and Singaporeans as a people?
Guest
29 Jun 2012, 11.38AM
that's so true
Guest
29 Jun 2012, 2.21PM
Agree. To continue the current social system is to perpetuate a generation of minions, not children. We reproduce, but leave it to the state (child-care, schools, after-school care, PA, etc) to nuture for us. Are they our children or the state/PAP's? We have to think carefully.

Fat MaMa
Guest
3 Jul 2012, 9.35PM
Above reflects my point of view too.
I hope it is considered reasonable/acceptable to feel tired after working (whole-heartedly) for >8h..
or should I reflect on the definition of "sub-standard life"..

government, can singapore prosper base on her own..acknowledge that our forefathers were also migrants..but we have identity now, we are growing as one people..already have 3rd-4th generation of true breed singaporeans. Not implying that we totally eliminate foreign talents, but at least when I take MRT, can I be surrounded by singaporeans..?
Guest
1 Jul 2012, 5.11PM
Can t agree more. Think about it, we may get say few thousand here and there or tax breaks as incentives to bear more kids, but ultimately these few thousands here and there pale in comparison to the rising cost of living in property, food, hospital bills, cars, etc.

Parents want what is best for their kids and if they can t even afford to take care of themselves properly, what more have children? We have to remember the standards that more educated Singaporeans subscribe to these days have changed. Parents don t just leave their kids to play around and hope that they will turn up well like in the past. Or simply just have children first than think about their future later. Parent s no longer demand so so standards when it comes to bringing up their children.

If you look at the trend for parents these days, it is so common for kids since young to be sent to private kindergartens, enrichment classes, tution and so on. All these need money. Throw in the need to get a decent sized home if you re intending to have children (lets not talk about even bigger spaces if you intend to have 3 children or more), which increases the mortgage burden for parents, cars to fetch children and grandparents around and you can see why parents think twice before thinking about bearing more children.

Take housing alone, housing has gone up at least 10% p.a for the last 2 years. On a $500,000 property we re looking at increases of $50k per year. On a $1 mil property $100k per year. Prices for a new bread and butter car have increased from $50k 2 years ago to about $00k today. An average uni grad earning $3k a month, would take in $36k a year. Throw in 3 months bonus thats $45k per year. But how much have wages increased on average? At 5% a year we re looking at increases of about $2,250 per year. So the increases in wages pale in comparison in increases on prices of big ticket items.

Real inflation looks ok but absolute inflation in Singapore has been detrimental socially. And property inflation seeps into every part of the economy. Increasing residential prices lead to increasing commercial prices to industrial prices. Rent demands increase as a result of the larger mortgage, and tenants raise prices of goods to offset increasing rentals.

So think about it a married couple, before even bearing children, have to take on such huge burdens when they first get their matrimonial home, is it any wonder than that they have to think twice about having children? The BTOs are a great idea but unfortunately we ve been severely underestimating demand so BTOs will take some time to com onstream. Even than like I ve said Singporeans aspirations have changed. There re many couples these days who don t even want to start with a BTO. So we have to arrest the rising inflation in our economy.
Guest
1 Jul 2012, 5.54PM
Just to add on, BTO doesn t work for alot of Singaporeans nowadays because people are getting married later. Imagine you get married 28 and you ve to wait 5 years before you get your place than have children. So what happens is this group of people will usually go direct to market and be sujected to market pricing. Imagine if after you get married you ve a $400k mortgage or a $1 mil mortgage hanging over your head, would you think twice about having children? You may not but you will certainly think twice about having a second or third kid, throwing all other costs in.

Thats why I ve earlier mentioned in my comments, at the current trajectory we re going, Singapore will be a wonderful place to live in 10-20 years time, but only for millionaires.
Guest
1 Jul 2012, 8.46PM
Who will have the courage to have children if they themselves have such poor quality of life?
Guest
27 Jul 2012, 8.48AM
I totally agree regarding the high cost of living. Though the government had subsidised child care, the cost is still very high considering from an average income household.
Guest
13 Aug 2012, 2.35PM
Ideally, we have to:
- meet our ideal partner earlier in life.
- get married soon after 1st diploma/degree.
- work very hard for 2-5 years to get some good work experience
- have a child (or 2) before 30.
Parent/s might have to work part-time (the per hour rate must be decent) for a while when the children are young. We can always develop our career in our 30s, even 40s, instead of 20s.


Guest
28 Jun 2012, 9.05PM
All that has to be said has been said over the years. No point saying over and over again.

The govt has to decide what they love more - money or babies.

The influx of foreigners has further worsened the situation because many Singaporeans feel betrayed and have lost trust & faith in this govt. Why should we have more children if they are going to have bleak future in this country?

We look at elderly Singaporeans who contributed their best years to this country and now slogging away in their old age. It's hard not to associate our fate with the poor seniors in time to come.
Guest
29 Jun 2012, 8.46AM
You are right on.

1. This is a belated White Paper of no use for us nor for them to convince/threathen us. We have already been betrayed by them and fuming.

2 After admitting so many over the last 15 years, it is proven that immigration is not going to imrpove our TFR. If it is for economic reasons, then, is  the PAP government going to take the responsibility of shouldering the burden when this large bulge of young migrants age? With their current attitudes towards social spending, will they? If not, who would? Is the PAP going to recycle their schemes that is currently on us on them too?  Or the PAP forsee that it won't be their business by that time? All the talks about population planning and our future, so whose future are they planning? Ours, theirs, or the migrants?
Singaporeans know the answer better.


Fat MaMa 

Guest
3 Jul 2012, 9.53PM
Arent our government singaporeans too..........?
Guest
3 Jul 2012, 11.48PM
The government machinery is made up of Singaporeans and PRs. The party that formed the government of the day is also Singaporean. Our political leaders, too, are Singaporeans. Unfortunately, they seem to be part of us only around election time. Other than that it has always been 'us and them' in the well-known political divide. Have you heard of any PM endearing Singaporeans as if he is part of us either here or overseas? Have any of them given Singaporeans credit for what we are today? Have our history books been about a country and it's people? Or just about a country and it's leaders? This divide is getting wider and more dangerous. Glad that you ask.


Fat MaMa
Guest
26 Jul 2012, 10.40PM
For now.  In the future, it depends on who you consider as Singaporean?  A Chinese, Malay, Indians? or the others....
Guest
1 Jul 2012, 5.36PM
I don t disagree with having foreigners. I think having the right foreigners contribute to our economy, brings diversity and makes the country more vibrant.

What is wrong is that over the last couple of years we were almost soley depending on foreign influx to bump up the population figures. There must be a concurrent strategy to encourage Singaporeans to give birth, and like I ve mentioned before, creating the right environment and arresting the rising cost of living are 2 very important aspects.

I ve noticed that alot of friends, colleagues tend to give birth some time after they purchase their house, so obviously being able to access housing at the correct prices play a huge part. And if you look at the housing policy in the past, it was quite a mess. Undersupply of flats which led to oversubcription at every balloting exercise. Married couples couldn t even get a place to stay, let alone have babies. Add to that the fact that we ve so far been behind the curve when it comes to policing the rising property market, and you can see why its becoming quite a problem.

No point feeling betrayed. You can either get out of the country and find somewhere better, or contribute productively to our beloved country and make sure it doesn t get run aground by the people sailing it.
Guest
29 Jun 2012, 7.47AM
The problem is that the PAP wants to have its cake and eat it too. It wants its citizens to marry and have babies, and yet it also wants them to work harder over longer hours. It wants people to marry earlier, and yet wants to leave the prices of flats and cars, almost essential items for a family, to market forces. It wants NS, foreigners, high GDP, superhuman students, non-welfare, the list goes on.

The result? Overworked, overstressed, underpaid citizens who are fed up and in no mood to marry and procreate.

The PAP must realize that it cannot have everything at the same time. If it wants more babies and its population to grow, something else has got to give. Shorter working hours to let singles have time to mingle and families to spend time together, lower housing prices so people can buy a house earlier, a less stressful education system to ease pressure on parents and kids, or some other example.
Guest
29 Jun 2012, 8.38AM
This is a political problem that requires a political solution. The past 10 years have clearly shown that tweaking a little here or throwing money a little there do not solve the problem.

What we need is policy changes at the very fundamental level. This can be done if more Singaporeans wake up in due time. Since PAP does not have the courage to change, Singaporeans will have to pick up the challenge and I have confidence that my fellow countrymen will do the right thing.
Guest
29 Jun 2012, 10.48AM
I would love to have a 2nd child as my kid is 6 yrs old this year. However, these concerns are valid and real reasons for not considering another one.

I have read choice of people choosing to have many kids due to their love for kids and etc. These are minority. Majority want kids but cost wise, must be sustainable for the kid and not straining of resources for the parent as we have parent to take care while having kids.

Current take home pay is around $4k (me and wife) and we are not high spender. we only purchase what is essential and necessary. We rarely splurge on anything. However, I believe that bringing a kid to this world is not to let them suffer because they cannot be provided for adequately (insurance / education and etc).

Child Care Subsidy
Child care is very expensive, now I am paying $427 after subsidy. So if I were to have another one. It will be double the cost and not factoring infant care cost which is ever higher. Education Fee is very expensive in Singapore and every other item cost essential to provide for a family is also rising.

If having one more, my wife must stopped work, this would reduce our income by 40% which will impact our daily expenses seriously and we do not even dine at restaurants.
If Infant care till K2 (full day) is fully taken care of or atleast very highly subsidse, that will be a significant cost off our shoulder.

Medical for Children
As kid get sick easily between birth till 6 especially night time where no polyclinic are around, please look into subsidy for Private GP around the neighbourhood would be helpful and keep it seperated from CDA.

Insurance for Children
Intergrated shield Insurance using CPF Medisave should cover without exclusion the moment the kid is born. Mandatory that insurance companies must accept baby regardless of illness.  I believe most singaporean will be more than happy to use their medisave to pay the higher annual insurance premium. I would gladly pay higher premium via medisave.
 
Mother going for medical check up during stages of pregnancy could be made more affordable or totally taken from the medisave would be great, this could spare us cash to buy necessary items for the baby.

Housing 
We should be given a special rebate off current purchase of HDB flat or buy new HDB flat (upgrade or downgrader) if we have a second child.

These are what I hope to see and hopefully I can have a 2nd kid.
Guest
1 Jul 2012, 5.50PM
Sensible suggestions. Much better than to hear people lamenting all the time
Guest
1 Aug 2012, 10.18PM
Greedy child care centres! Why charge so much money!

Have baby bonus, house rebate, COE rebate... Import foreigners cheaper. Even if govt give HDB rebate, COE rebate, you will also not have second kid, and wait till govt give more rebates. Wait the longer, better right? The rebates keep increasing.
Guest
28 Jun 2012, 8.48PM

I can only afford condensed/ evaporated milk and re-washable cotton/ cloth diapers for my children...

You go outside see those formulated milk at supermarkets... 800g = $38 to $70...

When I get my 13th AWS/ other misery bonus, then I buy normal Dumex/ Fernleaf milk for my children...

Diapers/ Pampers +++


Just 20 years ago my time, my favourite S26 formula milk inflation now ballooned to 2 times the prices of 1990s.
Guest
29 Jun 2012, 9.39AM
1. Scrap NS - convert to professional SAF
2. Scrap PSLE & 'O' Level exams
3. Scrap GST
4. Scrap COE for owning 1st family car
5. Enforce strict working hours where employees have the right to leave at 5:30pm
6. Sell HDB flat at construction cost to Singaporeans, including singles
7. Free education for Singaporeans to university level
8. Stop accepting fake foreign talents

Somebody, please add on to the list!
Guest
29 Jun 2012, 9.58PM
1) scrap NS, covert to professional SAF. -> who are the ppl going to join professional SAF? How much is SAF going to pay them? Is Singapore going to have a strong force in terms of war?
2) scrap PSLE n O level -> How to go Diploma and A level when don't even go through those 2 examination?
3) scrap GST -> agree, so no one will join SAF, civil servant.
4) scrap COE -> good idea, on the road will have alot of cars and our air pollution go go up.
5) enforce strict working hours -> Company operation comes first.
6) Sell flat at construction cost -> housing price go down, resell price go down.
7) Free education for Singaporeans -> where to get the money when GST is scrap, COE is scrap? And how do we know that person can study if PSLE n O level is scrap?
8) Stop accepting foreign talents -> Strong agree.

You only make 2 sensible feedback. the rest are all nosenses.
Guest
29 Jun 2012, 10.46PM
Aiyah! Nonsense also good. Imagine, after manhandling our population policies over the last 45 years, now they are asking "what do you think?". Lagi nonsense right? Do you seriously think they are interested in feedback? Gosh!

Fat MaMa


Guest
30 Jun 2012, 1.26AM
Yah loh, they dun really read the feedback. REACH only for show only. As long as Singapore dun become those countries in Europe can liao.
Guest
9 Aug 2012, 2.30PM
I agree that PSLE and 'O' Levels should not be scrapped. But I do think that the education system needs massive change. I think that having your ability as a student solely decided through only one exam is total *****. Many students can easily memorize content just for that one period of time (esp foreign students who are trained to do so). In the end students gain little or no knowledge.

That's what happened to me. And when they enter workforce they are less desirable compared to foreign workers cause they lack analytic skills. Who's fault is this? I'd say the government. A student's 'worth' should never be defined through one occasion only.

Sorry if I talked too much about education when this is about marriage and children. Saw the PSLE thing and couldn't control myself.
Guest
29 Jun 2012, 2.40PM
Cost of living is high! To have a child is expensive.
I spend a bomb in trying to conceive via IVF, and after successfully conceiving, now I worried on the cost and expenses to raise the child.

After giving birth to the child, I wll only have 4 months to take care of him/her before passing on to care giver and gg back to work. Although how much I wish to be there to nuture my child I can't because the cost of living is too high for having only my husband to take care of the baby. 

Infant care is expensive, hiring a maid is expensive, getting parent to give up their jobs to take care of the grandchild is the best we can think of but we will have to make sure their daily allowance are taken care of since jobs are given up.

Everything is expensive, from the medical consultation, to milk and baby daily needs. Both my hubby and I have to work, and hence we will have lesser time with our kid. I cannot imaging having another child when we can't even provide the time to spend with them.

Paternity leave only 2 days for most company? Not sufficient? Having a kid is a big thing but the father only get 2 days to help up? I don't have a confinment lady cause having one cost at least $2000, so I depend on my hubby to help but govt only recognised that the father should only be given only 2 days to help??
Guest
30 Jun 2012, 10.16AM
Having a maid is another burden than solving household problem... it is like having another child. we have to take care of them in medical even if she itchy backside having boyfriend getting herself pregnant, we have to bear the consequences for her. child care is too expensive and we dun know if our child is at good hands. the child need the love not the people just to take care of them... so wat is the solution to all this?
subsidise most of the things for our fellow singaporeans so we can have the mother to take care of the children. or give monthly allowance to full time housewives who are are not working at all...
Guest
1 Aug 2012, 10.13PM
Then tax need to rise?
Guest
29 Jun 2012, 11.41AM

Parenting is a long-term commitment plus countless sacrifices. Singapore is a great place for young family from the perspectives of healthcare, safety, food quality but lack of support system emphasis in pro-family culture. With young kids, we can’t go to many places in Singapore. Not all restaurants offer baby chair, is hard to go into passenger lift with baby stroller (what if you have 2 babies), if the kid having tantrum in public that is no mercy from the public with “unforgiving staring eyes”.

In the journey of parenting, common challenges are:

  • Cost of living- Daily essential no longer cheap.
  • Cost of bring up kids- insurance, healthcare, childcare,
  • Expectation in workplace: to work longer hour as justification to protect job security
  • Work life balance

The wish list:

  • Affordable housing: family with young kid normally prefer a bigger floor area apartment, unfortunately a household staying in 5 rooms pay more and less cash back incentive from government
  • Pro-family working environment: to incentive company with workplace mobility program
  • Education less expensive and stressful included primary 1 enrolment process  
  • Affordable family car- personal transport is handy and convenient during emergency medical need, shorter travel time to work, faster time to reach childcare, personal space.
  • Support group to help family with young children
  • Cheaper tax for parents- to extend parenthood tax

Ultimately is all about the balance society to support pro-family culture.


Guest
3 Jul 2012, 9.57PM
adding on from above:
pro-family culture  > balance the space allocated for places like ion/MBS with spacious heartland + family friendly places like city square mall ("parking lots" for strollers, wide corridors for slow moving elderly etc), parks (applaud hort park; garden by the bay, but could we have more garden/park-activities eg music in the park, carnivals etc..)
mindset shift > the basic motivation for procreation; wider definition for "best quality" life, being less materialistic; would singapore degrade if we are no long kiasu..(?)
*we probably won't want to marginalize singles too..
Guest
11 Jul 2012, 2.17PM

Recently I feedback to HDB on one of their car park managed by private operator regarding to road safety and improvement of loading/ unloading lot to facilitate childcare going kids. This is a very popular car park with a wet market, multiple tuition centers and childcare center. The heavy vehicle parking lots are located near to lift lobby thus parents like park there. As the result parking fine is prompt too! (Parents normally dashing through the road with kids and their school bags)

HDB replied with standard template “nothing they can do”.

When will we start creating a pro-family culture?

Guest
1 Aug 2012, 10.23PM
Wow, 5 room flat? My parents only brought me and my sibling up in a 4 room flat.

My parents had no pro-family working environment.

We never had a family car. Even when I was sick, emergency, my mother had to carry me and look for taxi on CNY day. 

I realised how abused my life has been as a child.
Guest
29 Jun 2012, 12.50PM
Didn't it ever occur to the govt that the current model of development is unsustainable? We are literally growing ourselves into extinction! Unfortunately I think we have already gone beyond the point of no return. Can we afford to reboot the system?
Guest
29 Jun 2012, 3.01PM
Reasons to promote more children
1) Increase the coverage of parenthood tax rebate. Give parenthood tax rebates to the fathers as well

2) Include working father's child relief to households who have 2 or more children (instead of only currently to mothers)

3) ensure quality childcare and better hygiene in such centres so as working adults we have less worry

4) as paulin has suggested do not measure performance based on time in office or your presence but rather the output or contributions of the individual

5) allo flexi work hours in all companies or telecommuniting as long as any mother has a child below 7. do not allow these policies but still include things like based on exigencies of service etc. (sometimes it seems so fake as most companies has policies that allows telecommuting but few people actually has the courage to exercise it as its still depend on the department whether it allows. Maybe the government should instituionalise this like the maternity leave

6) implement 4 days working week if possible.

7) give priority of selling bigger units (3-4 bedders) of private or public housing to families with more children
Guest
1 Aug 2012, 10.15PM
"give priority of selling bigger units (3-4 bedders) of private or public housing to families with more children"

Who is stopping you from buying a bigger property from private or public housing? Need priority meh? Pay $$$ only mah. Unless you mean BTO/new HDB flats priority?


Guest
29 Jun 2012, 11.04AM
1) Price HDB 4 and 5 room flats at prices that young couples can buy without taking out an inordinate amount of loans. I married my wife when I was 26 and she was 24 - we have 3 children. Fortunately for me, I managed to get a personal loan from family to be able to buy a HUDC at $205k during my time.

2) Waive the MOP for HDB for couples who have their 2nd child. This will allow them to switch to a bigger flat immediately rather than squeeze in a small flat. Imagine putting 2 children + a domestic helper in a small 3 room flat.

3) One thing I found as a parent is that the education system is too stressful. If I were to go through life again, I may not want to have 3 children. Tuition for each child costs approximately $900-$1k/month for 3 subjects. Chinese, Maths and Science. If the school teachers do not have sufficient time to cover the the breath of the syllabus (getting harder each year + more content added), parents have no choice but to secure tuition. How many parents can afford to pay for tuition that costs between $2.7k - $3k/month? MOE should relook at the syllabus and content to make it less stressful.

4) Increase University spaces locally. 2 of my children had to study in Australia because they would not have gained entry to a University course of choice. The 3rd child is in poly and probably will go to UK. The 2 in Australia has cost me approximately S$65k/year. If I look back, I could get into NUS with 1 A, 2 Cs and 1 D. Now to get into the same course (Accountancy), one has to have very good grades. If I were a parent and wanted the best for my child and can't afford to send them overseas, I would stop at 1 child.

5) Subsidise delivery charges. The cost of delivery has gone up substantially over time.

6) Provide free medical for children until they reach 21. Any major illness will cost parents dearly. Medical insurance may not be bought by all so this would help.

7) Subsidise pre-school and kindergarten education. My church runs a pre-school/kindergarten. MOE wants the teachers to have better education and must go for training. MOE requires 2 teachers for nursery classes and specifies a maximum size. All this costs money and must be passed on to parents.

8) Eliminate maid levy for couples with 2 or more children. This is an additional financial burden that eats away at household income. If couples are already struggling with children's expenses, this would help. 

9) Provide children care leave for all parents.

10) Promote "Families" not gay lifestyles.  The last thing we want is same sex marriage.
Guest
29 Jun 2012, 4.29PM
It's quite odd that a couple with no kids with a combined income of $10k is eligible for a BTO flat but a couple with 1-2 kids with a combined income of $11k is not eligible for a BTO flat.  The couple with kids will find it a greater financial burden to apply for an exec condo or a resale flat cuz raising kids is really expensive.

Guest
27 Jul 2012, 2.45AM
you've brought up a very valid point.

when you think about it i do think that a couple earning abt 8k with no kids is actually a fair bit more comfortable than a couple earning 12 or even 13k with 2 or 3 kids. 

and you're telling the "poor" couple at 12/13k to buy a condo or resale flat with no subsidy. 

doesnt really add up does it. 

i hope someone high up there with some decision power reads this and thinks hard about it =) 
Guest
29 Jun 2012, 12.36AM
It is balance. Cost of living and having enough time for the family are the main factors to raising the birth rate. If people have to work long hours at work, and bring work home with them, and cost of living like healthcare, housing, transport and children related expenses like tuition and early childcare fees are too high, people are less likely to have more children.

Solutions like enabling workers to work from home, flexible working hours, and doing away with unnecessary after-hours activities in the office like year end parties, employee monthly birthday celebrations, and so on, will offer more time for workers to spend with their families. However reducing the cost of living is a much more complex issue and has to be tackle by various measures. Offering selective special assistance like offering help to the most needy may not be enough, when we consider those who maybe earning more, may also spending more on assets like more expansive housing and cars, and not fully be prepared for the financial cost of raising a child, raising a family.

A bigger question that NPTD should also consider is what can be done with regards to ensuring marriages last. Marriage is always going to have ups and downs. Making sure that couples are able to properly deal with the challenges together and be responsible parents are more important than how old couples meet and get married.
Guest
29 Jun 2012, 3.05PM
The cash gift and CDA is too little to support the family. We dont think the package is generous as claimed by government.

Talking about cash gift, it is not even sufficent to cover the total fee for delivery.

The CDA topup is even worse. For ourselves, we already finished using the CDA amount even my child had not reached 2 and half years old, as the child care fee and the medical fee for PD are ridiculously high. When we read the news about expanded usage of CDA, we laugh at ourselves that there are no more money in our CDA for such 'expanded usage'

The child care subsidies for $300 per child is a joke. The reduced $150 for non-working mother scheme is even more ridiculous. We guess that MCYS is still having 'old mindset' that a non-working mother shall have enough time to take care of children, so child care placement is not required. They forgot a simple fact that putting children on child care will enhance the social cohesion of the child. Putting a child on child care shall not be related to the status of mother at all.

We are not sure whether our government and policy will take our comments seriously when it comes to the needs to 'increase' more financial supports. No harm trying :)
Guest
27 Jul 2012, 1.44AM
In all honesty, the reason why my husband and i are not having kids right now is simply this - we're having too much fun.
You can make it as affordable as it can get, fact is, we're having the time of our lives in our perfect DINK world.
Our combined incomes about S$200k a year, we dine out as often as we please, spending a few hundred on dinner and drinks each weekend without batting an eyelid. Our weekends arent spent shuttling our 3 kids from class to class, whiling our precious weekends away in the car waiting for little Jimmy/Jenny to finish their violin/ballet/tuition lesson. 
Nope, we prefer to spend our weekends lazing away over *****tails/wine (yes..in the afternoon..just coz we can) or wakeboarding or just staying home watching movies when we're lazy (sometimes..we get out of bed at 2pm on saturday.. ).. or we're just not in the country coz we decided to zip away after work on Fri night to Bangkok/HK/Phuket/Bali on a whim..and we'll be back Sunday. Oh and at least once or twice a year we take 1-2 week long holiday.. and it doesnt even have to be in June/December coz we're not governed by school holidays. 
Yes, its shallow. Yes children bring you joy - but truth be told - that can wait. You're only young once..so carpe diem. Dont get me wrong - i fully respect my friends and colleagues and their kids..many of whom are lovely. but its just not for us. 

Maybe we'll regret it when we're older, and we're 50 and our sole kid's like 10.. (to you naysayers of a woman's declining fertility with age.. there's always adoption) but u know what.. least we wont look back and say.. oh shucks.. i didnt get to this or that when i was younger.. coz we're living our dream life today.. frivolous as it may be to many. 
And thats the reason why we're not having kids. 

And in all honesty? i'm pretty sure i'm not the only one who feels this way. 
Guest
27 Jul 2012, 2.07AM
in no way am i belittling the very valid points brought out by everyone else in the forum.
i think the government should be very aware that there is a growing group of young professionals who are just enjoying the perks of living in a developed city thats really just becoming a very enjoyable place to be live in (almost like its the NYC of the East)

yes - cost is one thing. but i do believe that the reason why a lot of people are holding back having kids is simply coz mindsets have changed.
im selfish. and im part of a very "ME-first" generation. 
I dont have a solution to changing that - but all i can say is that its gonna take a lot more than a few tax breaks to make me or pple like me give up our lifestyle.


Guest
29 Jul 2012, 10.28PM
Super-likes!

Yes, this is really the true story. All the rebates and leave dont even influence a bit of our decision. 

My parents try to brainwash us to having kids. We just retort that they dont know what life is!

Guest
29 Jun 2012, 9.46AM
Allow me to made reference to the findings mentioned in the Occasional Paper,

1) More people are staying single or getting married later

The Fertility Rate is not going to improve at all if standard of living is ever so HIGH. The govt have been coming up with so many perks & incentives and yet the situation show no signs of improvement. It is not only about monetary incentives. 

Often than not, young adults entered the workforce tends to focus on their career and in order to survive in the corporate world, they need to work harder and long hours. How then would they have the time to commit themselves in a relationship and get married? Even so, for those who are already in a stable relationships, marriage would be the last thing on their mind to be honest.
 
It all boils down to the standard of living in Singapore.

2) Married couples are having their first child later or having fewer children.

For couples who are married, they would have probably spent plenty of monies to settle those essential items for marriage. i.e. wedding preparation, honeymoon, purchase of their matrimonial flat & necessary renovation. If one were to survey such married couples, majority would wait for at least 2 or 3 years before thinking of family planning. They need to have enough saving again to start a family. Beside financial terms, they need to be prepare mentally, physically & etc.

Hence, it all boils down to the standard of living.
Guest
30 Jun 2012, 1.30AM
Raising a kid in Singapore is never easy

1) everything is expensive! Milk powder, diapers, whatever baby needs are expensive! Can u imagine that milk powder prices are always adjusting? They just happily increased about 10% few months ago, 10% is alot!! No control over it? My hubby don't get 10% pay rise!! 

2) COE is mad! We are expecting our #2 and having a bigger car is really a plus point, I can't handle two kids ,a stroller and a baby bag with public transport(taxi is not cheap and bus is impossible, mrt is never easy!) in future, 2 car seats definitely take up most of the space in my car, but no we do not have extra cash to upgrade to a bigger car

3) Child care fees!! A normal CC would cost around $500 a month, I enrolled my son to one that pay me $650 a month for HALF day program because those cheaper ones around my house are all FULL! Why non working mum gets lesser subsidy? We are not human? We don't need to eat and pay for bills like those who are working? I quitted my job because no one take care of my boy! 

4) paternity leave!! Daddy plays a huge role in the family! 2 days enough for what? Does the government expects all families to have maid and confinement lady to help out with newborns?

5) CDA!!! Cash gift!! Cash can't even cover my 3d2n hospital bill! CDA of 6k... Injection already cost 1k+... Left with 4.5k... Can't even cover one year of my CC Half Day fees.

6) HDB - I got our DBSS 4 rooms flat 4 years ago when we were still young and single, now we are expecting #2, I truly need more space in the house! and my Dbss actually got 2 dangerous balcony that HDB say I canNot put grills for it! So the useless balcony become more redundant because I have to always close it to prevent my kids from falling down 20+ floors. And I'm stuck with my 4rooms flat for another 4.5years! 

All sort of meaningless rules and regulations are making us Singaporean's life difficult! And those who set all these rules and regulations are often not involved in the situation just to make up some rules to impress their boss!! 
Guest
30 Jun 2012, 1.53AM
CC that COST me $650 a month, not PAY me!
Guest
2 Jul 2012, 2.59PM
I totally agreed the above.

I would love to have a 2nd child too but there are many stuff to be considered before going forward.
Currently, my child is 2 yrs old and attending child-care. after subsidy, we still have to pay $500 for
full day child care. Though using the Baby Bonus (MCYS), it will deduct the amount every month.

Government gave us $6000 (dollar to dollar) but with the child care fees at $500 monthly, it will only
last us for 2 years. in the end, we have to pay the rest of the school fees by ourselves. With that kind
of high children expenses, how can we afford a 2nd child and one parent not working?

Expenses for helpers increased, school fees for child care at extreme, medical fees are way too expensive and HDB flats cost increased but square area decreased! if we have 2 children, a boy & a girl, they will gradually need to have their own rooms when they gets older, given the size of HDB these days (even 5 rooms), we can't even put a study table after putting a bed and cupboard in the room. how can
we provide good learning environement for our child if our space are limited. Why can't Government build
bigger HDBs for locals since we have to pay such high price? Now we are paying to live in a pigeon hole!
Given the current situation and if i have 3 children, in time to come, parents may have to turn the living room into their bedroom in the night instead!

Paternity leave is another issue. why are Father's not given a longer leave even for their first child? Father also plays an important role in the child's life and they should not be deprived for spending more time with their new borns. As for mothers, the most important stage of child's development is when they are around 4-6 months and by that time, we have to return to work or else you will likely be on the chopping board. Heard that in other country like Japan or Canada, mothers are given 1 year of paid maternity instead of our current 4 months. Employers should also prehaps give the mothers an option to work from home if there is no one taking care of the child.

Medical fees for pregnant mothers are very expensive. Each time of visit will cost about $120 and above for even KK Hospital. Delivery package will be around $4K (though through medisave) but cash of around $2k is necessary for normal delivery.  

Medical fees for children is really too expensive. simple medication and consultation will cost you at least $70 per visit. I heard that some companies in SIN provides full claim for children too. We noticed that many expes are given full claim for both employees and family. Why locals are not given that kind of beneifts. Government should also support company welfare for the local employees so that they have lesser worries on their children's medication expenses.

Another issue... children of this generation cannot communicate with their grand-parents being their 1st language is English and the so-called 'Mother Tongue' is Mandarin. There are many grandparents still prefers to speak to their grandchildren in their comfortable dialects but failed. Government should not cut dialects totally as that is supposed to be our roots. Since when Mandarin is our Mother Tongue? I thought Mother Tongue should be the language that your Mum used to communicate with you? We should never forget our roots. many children only speaks English or Mandarin and that makes it difficult for the grandparents to communicate... and to take care of the child. Why should we get the elderly to learn Mandarin at such old age and why not the younger generation learning their dialect instead? Can't communicate thats where Child Care services comes in! What if the child can communicate with grandparents in their language, won't it be a breeze for both the care taker and the parents?

Living standard in Singapore is getting higher and that's perhaps the real reason behind low birth rates.
Guest
29 Jun 2012, 1.57AM
First of all , I think is the Cost of Living in singapore (Paying bills, parents expense,kid expense, housing loan repayment, ). It is really a headache to Singaporean getting married and having kids.

About singles getting hitch, the hectic lives of singaporean makes them turn tired and unwell to get married. In the private sector, some employers are expecting a heavy workload on his/her employee. Next, on free time to dating, you get calls from employers, customers, colleagues often. So how to go dating?

About married couples having kids, they need to spend time with their kids to give them the best. I think that every parents hope. I have seen my sibling marriage crumpled and have to quarrel everyday over  mainly cost of living. In addition, kids are not adult and have to discipline and guided . THis requires concentration and efforts but after a hard day of work, can you still do it? Moreover, personnel time will decreased and your career might be in jeopardy if employers are not pro family type.

To solve this equation is not an A plus B equal C issues. Government can help by giving more subsidies and public holiday on family day to promote marriage/having kids.
 
Employers must give assurance to career prospect and grant leave to needed employee,do not disturb during their leave or free time. Employee must inform everyone including customers not to call their HP when on leave or free time.

Colleague must be understanding when employee is on leave and need to cover their duties

The above suggestion are not simple to implement as this require the whole of singapore to do it.

Guest
29 Jun 2012, 6.31PM
1) High cost of living: In this pay and pay country, we can hardly feed ourselves. To feed ourselves, both parents have to work. To work, we have to send our child to childcare centres, most of them with long waiting lists. Those with short/no queues normally means they are more expensive or not good. If we are already spending on the child's milk/food/diapers/essentials, how can we afford a childcare that needs us to pay at least $500 cash after subsidy?? Solution: Government to increase the numbers of childcare centres. With more childcare centres, the waiting list won't be soooo long. With more supply vs demand, I believe fees will drop as well due to market pressure. Don't blame us for not giving birth if you are not prepared to cope with the increased birth rates in the first place.

2) Job security: Yes the law provide "some" protections for pregnant working mothers, but they are turning a blind eye to how corporations/company are exploiting the legal system to sack/retrench pregant mothers. We have seen so many reported cases to the authorities, but yet, all they gave are template answers saying that there is nothing much the government can do, as what the companies did are "within" the laws. We are only legally protected from being retrenched/sacked 3 months before the due date of our pregnancy. Even then, companies can easily axe us both before and after the 6th month of our pregnancy, citing false reasons like restructuring etc. Efforts in protecting the rights of pregnant working mothers are all superficial. We need to see real efforts and results before we are convinced that we are protected by leaders of our country.
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