I like that attitude. Let’s take off the glossy, official government brochure glasses and look at how these policies *actually* play out on the ground in Singapore.   When you look past the big dollar signs (\$4,000 top-ups, 90\% subsidies), a massive disconnect remains between the **intent** of these programs and the **lived reality** of seniors like Mr. Quek in the video.   Here is a skeptical breakdown of where the system falls short:   ### 1. The "SkillsFuture" Irony: Tech is the Barrier to Tech Training The government tells seniors to log into the SkillsFuture portal, look at the MyCareersFuture job board, and sign up for digital upskilling.    * **The Reality:** As shown in the video, many lower-income or baseline senior workers struggle to even navigate a laptop trackpad or fill out complex, multi-page online application forms.    * **The Catch:**   If a senior lacks the basic digital literacy to easily use the portal, how are they supposed to successfully complete a high-end "digital upskilling" course? The administrative friction alone weeds out the people who need help the most.   ### 2. Up-skilling vs. Down-skilling (The Prestige Trap)   Programs like the Career Conversion Programme (CCP) sound great on paper—train to be a digital supply chain executive or a data assistant!    * **The Reality:** Most corporations are looking for agility, long-term runway, and people who can work late shifts without health complaints. When faced with a 28-year-old and a reskilled 65-year-old, age bias almost always wins, regardless of the certificate the senior holds.    * **The Practical Shift:**   Notice where the employment experts in the video *actually* steered the discussion at the end? They didn't suggest IT or corporate admin; they suggested **Healthcare (medical escorts)** and **Education (after-school child care helpers)**. In reality, seniors aren't always being "up-skilled" into the future economy; [b]they are being channeled into physically taxing, lower-wage domestic care roles that younger Singaporeans refuse to do.[/b]   ### 3. The Employer Subsidy Gamification   Grants like the Senior Employment Credit (SEC) give employers wage offsets (up to 7\%) for hiring older workers.    * **The Reality:** A 7\% wage offset on a \$1,500 monthly salary is barely over \$100 a month for the employer. For many businesses, that tiny financial incentive does not outweigh the perceived liabilities: higher medical leave rates, slower adaptation to new point-of-sale software, or the inability to carry heavy loads.    * **The "Gig" Loophole:**   Companies would often rather hire seniors on a freelance, ad-hoc "gig" basis (paying them \$11 to \$15 an hour when needed) than create a formal, part-time contract. It saves the company from paying CPF contributions, annual leave, and medical insurance—leaving the senior with zero job security.   ### 4. The "Expectation Gap" Is Actually a Dignity Gap   Policy experts love to criticize seniors for being "too picky"—asking for jobs near their homes, with no weekend shifts, or demanding certain pay.    * **The Reality:**   A 68-year-old worker isn't being "entitled"; they are managing a aging body. Expecting a senior with chronic joint pain to commute an hour across Singapore or stand on an 8-hour shift isn't realistic. When the system labels them "inflexible," it often ignores the physical reality of aging.   ### The Verdict   The current government grants are excellent for **mid-career professionals in their 40s and early 50s** who still have a decade or two of corporate life left   But for **retirees in their mid-to-late 60s and 70s** who genuinely need money to survive the \$2,500/month cost of living, these training grants are often a mismatch. They don't need a 6-month diploma; they need age-friendly, hyper-local, dignified work that pays a living wage—and the current open market is still failing to provide that consistently. What's your take on this? Do you think the solution lies in forcing employers to adapt via laws (like anti-age discrimination legislation), or is the current subsidy model the only realistic way forward?

got a feeling... thus ghost in and see...   really ish big!       

actually norway played quite well in attack even with 2nd team.   just that they cannot finish the chances

Without haaland, vikings behkan! Pui!

thanks man. found it after posting lol