Monday, July 7, 2014

Goal: To provide shelter, counsel and help for the homeless in Penang

There are 150+ homeless living on the streets and sidewalks of Penang. Many are young children. We believe a decent resting place is a basic human right that should be available to all. We aim to provide a bed and toilet facility for free to anyone regardless of race or creed.

By getting a 2 or 3 story building in town area and using triple decker bunk beds, we can provide shelter and toilet facility for 200 to 300 homeless at a very low cost. We estimate a startup cost of RM50,000 to 80,000 and monthly maintenance of RM10,000 will be adequate. We will have a facebook and website to tell our story and the public can volunteer to help or donate.

We will also provide counsel and help to rehabilitate them. RumahMu will be a secular organization so that people of all religion will be comfortable with our service.

There are a number of soup kitchens providing free food in Penang but the homeless have to sleep on pavements.

Basic rules:
Smoking, drugs and alcohol consumption will not be permitted in the premise.
Tenants must keep good behavior and personal hygiene and help in the upkeep of the place.

It is our hope that RumahMu will solve the plight of homeless people in Penang and become a model for others to emulate. And all the homeless of the world will have the comfort of an indoor bed to sleep on, just like you and me. It will help to reduce crime rate and make our city more pleasant for tourists and local.

We are looking for funding and volunteers to make it a reality. Large donors will be featured as a Sponsor of RumahMu. Please get in touch if you want to help. Thank you in advance for your help, donation and sharing this post.

Yours truly,
Simon Teh
Tel/WhatsApp: 0164165599


Monday, June 23, 2014

Food Hygiene

We Need to Improve Food Hygiene

Malaysia and especially Penang is well known for its diverse and delectable food worldwide. And is one of the prime reasons for tourists to visit here. However, many restaurants do not care for good hygiene practice and some are down right dirty which can lead to food poisoning and other health issues.

The best way to improve hygiene and cleanliness is to use 'Score-on-the-door' food hygiene rating for cafes, restaurants and food stalls like in many cities and countries.

In Singapore each eatery are assessed regularly and given a grade of:

A - a score of 85% or higher
B - a score of 70% to 84%
C - a score of 50% to 69%
D - a score of 40% to 49%

The score must be displayed prominently on the door or stall of each eatery. Those who score low on the grading will have to improve if they want to survive as many customers will avoid such places. There should also be a web site showing the score of each eatery. The authority should visit and regrade each every 1 or 2 months without notice to keep them on their toes. They should also be informed about good hygiene practice and ways to improve. Any place scoring below 40% should be shutted down for 1 to 2 weeks immediately and only be allowed to reopen when they improve.

This simple and easily implementable system will reduce food poisoning, improve food hygiene, and attract more tourists to visit Malaysia. It is time we do it now.

Wednesday, April 30, 2014

Co-Pay Health Insurance

Co-Pay Health Insurance

The present health insurance plans are inherently prone to abuse by hospitals, doctors and consumers. Hospitals are incentivised to prescribe expensive and unnecessary drugs and procedures and consumers too tried to maximize their “return”. This has resulted in ever expensive medical cost and higher insurance premiums. It is a classic case of tragedy of the commons. Medical insurance has become unaffordable to many and for people who can afford one have to sacrifice other spending like education and also savings.

A Co-Pay Health Insurance Plan will greatly reduce the abuse. The insured will need to pay 10 to 30% of any medical expenses incurred. This will make them think harder and make more sensible choices before they seek medical treatments because they will now have to pay a portion of the bill. The plan also required the insured to pay the bill first and then submit the claim, this will further inhibit abuse. The consumers will also tend to shop wiser when they need medical service. They will likely opt for much cheaper generic rather than branded drugs which are basically the same except in price and packaging.

Doctors and hospitals are well known for charging more and have incentive to prescribe unneeded treatments for patient who has insurance. This will further deduce the cost.

The plan will make premium much lower than the present system and making medical insurance more affordable to everyone. It will also reduce the workload of hospitals and doctors and free up capacity for urgent and genuine needs. 

This could potentially reduce a nation’s total medical expenses by 30 to 50% or even more in a short time. It can be sold by the same health insurance companies or new ones and the first to start will have a great advantage over others.

Tell me what you think about the idea.

Wednesday, April 16, 2014

A Way to Eliminate Cheque Fraud

Cheque Fraud
Cut and paste forgery. - STAR

To the editor
The Star Daily Malaysia

As featured in your recent article, millions of ringgits are lost each year alone in Malaysia. Crooks are getting better in using technology in check forgery scams. Billions of dollars has been lost worldwide and billions more will be lost in the future. And cheques will continue to be used for the foreseeable future.

I have an idea that can eliminate cheque frauds once and for all. It is simple, all banks are required to set up a login page for all cheque users to register every cheque (the number, amount, date and payee) once they are issued, including post dated cheques. And the banks will release the money only if they tallied with the cheques presented. The cost will be minimal as all banks have online banking service. All entries will be done by the cheque issuers. And it is a small price to pay for eliminating the danger of being scammed.

Friday, March 28, 2014

Tap2Toilet Water System

Tap2Toilet Water System

Re-using of bath/tap to flush toilet, water plant and wash car in an apartment building can help save around 30 to 40% of water used per household.

This will require separate plumbing systems for toilet and tap/bath use. The run off from tap and bath water will be collected, filtered and channelled for toilet and plant watering use.

30-40% of water consumption by household is for toilet flushing and plant watering. By using the Tap2Toilet Water System we can save scarce water resources and help the environment by reducing waste water refuse and pollution.

The initial investment will be recouped with the savings in water bill and cheaper water cleanup cost. This is best done for new apartment and commercial buildings as it may not be viable to install the system in an existing building.

Tuesday, March 25, 2014

Pay-It-Forward Scholarship Fund

Pay-It-Forward Scholarship Fund

A Scholarship for tertiary education with condition that the recipients pledge to payback a certain percentage of future earnings (maybe 10 to 20%) back to the fund so it will self sustain and grow perpetually.

All applications will be done online. Recipients will also be required to post progress online at least monthly. All accounts will be also posted online to ensure transparency.

Unlike other scholarships which can run out of fund unless replenished, this one can grow and grow as the years pass, and more and more scholarship can be given out with no high reserve required. It may even be more “profitable” than actual for profit business.

Many scholarship foundations only use its interest or earning to give out grants so it severely limits the numbers of people they can help. But PSF can give out much higher percentage of its fund as it can be treated as investment with positive return.

The scholarship will more likely to attract selfless applicants who are willing to share and help others. And it is a much better alternative than an educational loan which will keep them indebted for many years and has the highest default rate of any loans.

The Fund will also attract other givers as the money they give will keep on gifting.

Some of the scholars will become millionaires or even billionaires so the fund can grow exponentially.

Is somebody out there going to do something about this?