Why Are Trade offs Necessary?

On the 28th of June, 2020, my step-uncle Michael (younger brother of my first step-dad, Lee) passed from Covid-19. While, I wasn’t close to him (the last time we met was a brief meeting eight years ago at Lee’s 80th birthday party), his passing had the effect of making the Covid-19 pandemic real to me.

Prior to that, Covid-19 was something I knew from the media. I knew it as a reason for changing my lifestyle for two to three months. Covid-19 was statistics and something the wife and kid talked to me about but it still wasn’t real. Then Michael died and suddenly Covid-19 became real. It was no longer a statistic; it was the end of a life that had touched mine.

It wasn’t just a case of someone I knew from my childhood getting the virus. It was the account of how he got it. He had something else that needed treating, so he went to hospital to get it checked out and it was there that he got the virus. It was as easy as being in the wrong place at the wrong moment.

While he didn’t plan for it, I believe that my step-uncle’s passing should remain a cautionary tale. We should be reminded as the world tries to return to “normal,” that the virus is anything but under control. Countries that thought they had it under control and opened up have seen sudden spikes and have had to quickly reimpose restrictions.

I do get the need for some opening up. I’m back to the office and no matter how much I’ve not wanted to return to an existence that is clearly unhealthy (offices being places that encourage sloth of thought and body), I’ve accepted that the income that comes along with this primitive existence is something that I have to earn in order to keep afloat until I can create something better.

The facts are simple enough. There are bills to pay and economies around the world do need to have some activity in order for enough cash to flow round the system. I also understand that the population at large cannot survive on handouts from the government – even governments with large fiscal reserves can only give out so much.

Yet, despite the obvious need to make a living, we should tread carefully. The virus is still floating around quite happily and you never know where it might float into an area where you are. The last thing my step-uncle expected was to breath the “wrong” air in a hospital of all places.

I think of the people protesting the need to wear mask when they go outdoors and wonder how willing would they be to lie in a hospital bed or a few dollars. I remember joking with the wife about how I should get Covid-19 so that she and the kid could their hands on a $30,000 grant. Her reaction was “You want to die? If you don’t die, your body will never be the same again.”

Which leads to the point of why the hell do we still stick onto brain numbing and physically degenerative forms of work like insisting that people come to offices. Technology has reduced the limitations set by geography. Work can be done anywhere. The question remains, why should it be a choice of staying safe from a pandemic and making a living. Surely, as a society, we have the means to ensure that people don’t have to make such tradeoffs.

Nobody Notices when you are Bald – Everyone Notices when you Comb Over

One of the earliest bits of advice when I started losing my hair in my late teens came from my Dad. He said, “Whatever you do, NEVER comb over and NEVER get a hair transplant. Somehow nobody notices when you are bald but everyone notices you when you comb over or have a hair transplant.”

My Dad was right. As I got older, I realised that nobody really gave two hoots about bald men. If anything, being bald can be a fashion statement. Just look at Andre Agassi who was a teenage sex symbol known for his long bushy mane (apparently it was a wig). Later on he shaved bald and his status as a sex symbol strengthened. On the other hand, everyone notices the guys who comb over. The most prominent comb over was Dr Cheong Choon Kong, former CEO of SIA and currently the Chairman of Overseas Chinese Banking Corporation. Dr Cheong’s comb over was so prominent that it provided a little but of comic relief during the tragedy of SQ Flight 006, which crashed in Taiwan.

Like it or not, baldness is not an uncommon trait for men. As such, we, the folliclely challenged, either learn to live with it or we try to hide it. Despite the fact that hiding it usually draws more attention to it, there are men who persist in doing things like combing over the growing bald spot with the few strands of hair that they have.

I have recently discovered another version of the comb over. This new breed does not have to worry about follicles on the head. Instead, this new breed deals with things like money or the lack of it. Let’s call this breed the story teller.

Being broke is a little like being bald – more of us are broke than we care to admit to. Like being bald, many of us feel that being broke is a little embarrassing and so, the temptation to hide being broke is quite strong. It’s generally easier to hide being broke than it is to hide being bald. However, the efforts to hide being broke sometimes reach proportions that can be compared to the valiant effort to hide a growing bald spot.

One of the silliest examples of an effort to hide being broke is “Oooppss, I forgot my wallet at home.” This is apparently a very handy excuse when you happen to be meeting people for the very first time and don’t have the finances to cover a round of drinks. Unfortunately, this is also the type of story that reveals that you’re not being entirely honest – who in this day and age forgets their wallet when they go out for drinks?

The efforts to cover up the fact that you are broke can be quite amusing. However, there comes a point when telling stories can reveal plenty about your character or rather lack of it. Story tellers like comb overs have an insecure streak that borders on dishonesty. Like the comb over, the sad thing about the story teller is usually most dishonest with him or herself.

Young Muslim Politicians serving National Service from the comfort of the bed room (Thumbi Pundeks) are especially prone to telling stories to cover up for their inadequacies.

This young PAP cadre who is currently living off his father and the tax payer believes that he is an important person and he’s very rich. Somehow, somewhere in his gene pool and education, he’s been told that he’s entitled to spend other people’s money on ipads and expensive prostitutes. Thanks to his father and the Singapore tax payer, the Young PAP cadre believes that anyone who cannot spend money such items is only one level above shit.

However, this façade that he’s valiantly trying to pursue has its limits. Money, like other resources has a way of running out and when you don’t have money, it’s rather hard to pretend that you have pots of the stuff.

The Young Pariah has discovered a way of dealing with it. It’s called – talking shit. He’ll announce to you that he’s dying to “treat you.” Then you go out with him, he’ll order food without looking at the price tag. Just before the bill comes, he’ll then ask if it’s OK if you put it on your credit card and he’ll draw cash from you later on. One would suggest to anyone agreeing to such a deal that you march him to the ATM immediately after you have finished – because his understanding of later can be rather elastic. Of course, you’ll have to deal with him trying to bargain with you and when you point out to him that he was supposed to treat you – he’ll look indignant and tell you, “But I just spent $400 on an new cover for my phone, you don’t expect me to have money do you?”

Another variation of the scam that this Young PAP Cadre from Pasir Ris GRC will try pull is this – “I’ll treat you, let’s go somewhere classy.” He’ll then tell you that he only has $30 on him once you’ve sat down for a meal. He’ll gladly except it if you pass him an extra $10 to cover the unmentioned cost like GST and service charge. Suddenly, when the bill comes, you’ll find that he gets change of over $15. You check the bill and find that you’ve ordered less than $30 bucks worth and he’s paid $50 of cash, excluding your $10. When you ask him about it, he returns $10. I suppose you could say he has a point – he said he’d treat you but he didn’t say he’d pay GST or service charge.

Young Pariah’s are a bit like bald men trying to cover up their bald spots. However, unlike the bald men trying to cover up the bald spot with their remaining three strands of hair, the Young Pariah has been allowed to enter politics and is sometimes portrayed as a person that the Deputy Prime Minister might want to associate himself with.

If you were to believe that the ruling party tolerates characters with such a high sense of self-esteem and integrity, you might be wanting to ask yourself if the ruling party is trying to hide something too?

The Expensive Key to Nowhere in Particular

Something unusual is happening in the state of Singapore. This year, this little island that took pride in being predictably boring has suddenly found a new lease of life. Kamal Nath, India’s eloquent transport minister once said of Singapore’s elections, “If you didn’t read the newspapers, you wouldn’t think there was an election. Besides, you already know the result before its taken place.”

Mr Nath was right. A good portion of us lived in uncontested wards. I was one of them. Nobody in their right mind would stand against a senior member of the government and election time for those of us in uncontested wards was simply a matter of collecting a government hand-out. The most exciting thing for us was seeing how generous the government would be.

Well, Mr Nath is no longer right. On May 7, 2011, Singapore went to the polls and proceeded to shock not only the PAP government by taking a Group Representative Constituency (GRC) and kicking out our affable foreign minister – we shocked ourselves by sheer passion an interest in politics. Internet chat rooms were buzzing. The politically apathetic became politically alive. Simply put – from the prospect of never voting, we were given a chance to vote.

The best part about the new found awareness is the fact that not only did we the people get to vote for our government, we are expected to vote for our President in an election that should take place by the end of August of 2011.

The Presidential Election is slightly different from the General One. To be President of Singapore, you must forgo ties to any political party and resign from whatever job you had. The Presidential Election is contest of individuals rather than parties. On paper, the President is the only person to be elected by every individual voter.

Singapore’s Presidency is an interesting one. Prior to 1993, the post was an appointed one. Parliament appointed the President who was primarily a ceremonial figure. Like the British Monarch he (all of our Presidents have been men) opened parliament by reading a speech prepared by the government, inspected the troops on National Day and visit foreign countries as well as receive dignitaries. The best thing that could have been said about the office was the fact that it made ethnic minorities feel a bit more cuddly. The underlying precedent was that since the government would be run by a Chinese (the majority of the population), the President would be from an ethnic minority. Lee Kuan Yew states very clearly that it was essential to have Yousof Ishak, a Malay to be Head of State, as it would signal to the Malaysians (Old Mr Lee had dreams of being part of Malaysia) that a Malay could achieve high office.

However, the reality was best summed up by Devan Nair, our third President. He would refer to Mr Lee Kuan Yew, the Prime Minister as “boss” when they were in private.

Then some bright spark decided that it was necessary to have a President who could do something and so the constitution was amended and in 1993, Mr Ong Teng Cheong, a former Deputy Prime Minister became our first Elected President. As the President, Mr Ong had the constitutional duty to safeguard the reserves in addition to being a ceremonial figurehead. Real power remained with the government but the President was a little more than just a tea spoon. He became a little more like the British House of Lords rather than the Monarch. In the Singapore System, the President is part of the legislature rather than the executive.

Anyway, as we get closer to the Presidential Election, it might be worth asking ourselves if having an Elected President has been worth the effort. The President is after all an important part of the system and let’s not forget that the post cost money, an essential topic in money obsessed Singapore. Like the British Monarch, the President receives a “Civil List” to pay for staff and state expenses as well as a generous salary. At the last count, the President was drawing a salary of a mere S$4,000,000 a year, making the highest paid public official in the land that already has the world’s highest paid politicians.

Well, the answer has to be – NO. The main purpose of giving the President power over the reserves was so that the reserves would be safeguarded from a spendthrift government. If the President couldn’t check anything, at least he or she could delay Singapore being spent into the US National Debt. While this idea has been nice in theory – there have been two key problems.

The first key problem was highlighted by our first Elected President, Ong Teng Cheong. At the end of his term in office, the late President called a press conference where he described how he had problems asking for an audit of the reserves. As he rightly pointed out, he, the President was tasked to safeguard the reserves so he needed to know exactly how much was in the reserves.

He pointed out that civil servants had been evasive and he was told that it would take 56 man-years to produce a dollar-and-cents value of immovable assets. President Ong then consulted the Attorney-General who conceded that the government only had to produce a list of properties it owned. An incomplete list was given to him several months later and it took three-years to give him the information he requested.
So what exactly are “The Reserves?” Apparently the Singapore government has lots of spare cash which is stashed away somewhere for a rainy day. The topic of “The Reserves” is always spoken in reverent terms but nobody knows exactly what or how much is in the reserves. There is supposed to be something called the Government Investment Corporation of Singapore (GIC) an SWF that manages the reserves – but once again nobody actually knows how much GIC manages or mismanages. If the man who is supposed to safeguard the reserves doesn’t know exactly what he’s supposed to safeguard, how can anyone expect him to do a good job of it.

The second point is that the man who is supposed to safeguard the reserves is supposed to have a democratic mandate from the people to do so and unfortunately, the current President has been denied such a mandate.

To be fair, this isn’t entirely his fault. To eligibility criteria is such that very few people qualify to run for President. You need to be either a former Minister or a CEO of a company turning over not less than S$100million a year. The guys in these jobs are not about to give them up to be a silver tea spoon. Nobody actually wanted to run against President Ong – they had to find someone to run against him and that someone campaigned on the premise that Mr Ong was far more qualified than he was (and he still got 670,358 votes out of a total of 1,756,517 votes cast)

President SR Nathan, has been pretty good at the ceremonial parts of the job. He’s read the speeches he’s been told to read. He waves at the crowd on National Day and everyone who has met him says he exudes warmth. In short, it is impossible to dislike the man.

However, we shouldn’t mince words here. He was to all intents and purposes appointed to the job and knows he has no mandate to fight against a government that has one. So when the government asked if they could dip into the reserves back into 2009 – he said yes. Mr Nathan has made pots of money by doing as he was told. As one Indian friend says, “He is the COMPLIANT Ke Ling” (Which is a derogatory term for Indians of Tamil decent who were originally brought to Singapore as prisoners – hence their chains went ke-ling, ke-ling.)

What can be done to solve this problem? Well, a good start seems to be having an actual contest. It’s nice to see people who meet the criteria throw their hats into the ring. At the time of writing, we have a former Member of Parliament (Tan Chin Bock) and the former CEO if NTUC Income (Tan Kin Lian). The former Foreign Minister, George Yeo is praying for wisdom (read consulting with his former colleagues) on whether he should throw his hat into the ring.

A contest of sorts will restore some legitimacy to the office. A president who is genuinely elected can do what he was supposed to do – be at least a little bit independent of the government.

However, something more important needs to be done. There needs to be a public audit of the reserves. Much has been made about how we cannot talk about the reserves because of National Security. However, let’s ask ourselves, how exactly does having a proper audit of what we actually own harm our security?

If anything, a public audit will create a situation where there will be greater transparency of the management of the reserves. The President, or the second key, will know exactly what he or she is safeguarding. We, the public will know what is happening to our money and if the government is open with us about how they’re managing our money, we’re likely to trust and communicate with them more.

Think of it this way, we trust the bank because we get a statement about how much we have with them. Imagine the next time you asked the bank how much you have in your bank account and they told you they couldn’t tell you for your own good. Now, would be inclined to keep your money with such a bank?

What Work Did You Do to Justify Your Charges?

Singaporeans have never been known for their sense of irony. While the population has never been known to appreciate irony, Singapore has more than its fair share of it. The most recent example of grand irony has been in the case of Dr Susan Lim versus the Singapore Medical Council.

It's ironic because the man who has been most vigorously attacking Dr Susan Lim for being "greedy" in the act of "overcharging" the Royal Family of Brunei for medical services performed between January and July 2007 has been non other than Mr Alvin Yeo, SC (Senior Counsel - Singapore's version of the QC), the Senior Partner at Wong Partnership, one of Singapore's largest local law firms. As well as being a very prominent lawyer with impecable credentials, Mr Yeo is also a Member of Parliament for Hong Kah GRC and Chairman of the Government Comity for Home Affairs and Law. He also serves on the board of directors for a number of public listed companies.

Mr Yeo has spent the better part of the month trying to show the world that Dr Lim is a greedy little money grabbing tart who has abused the noble profession of medicine to make money. As far as Mr Yeo has been concerned, Dr Lim has betrayed every standard of ethical propitiatory in order to chase the almighty dollar. Leaving aside the merits of Mr Yeo's case into Dr Lim - one might be tempted to ask Mr Yeo is he's guilty of the very things that he's been accusing Dr Lim of.

Let's put things in perspective. As excessive as Dr Lim's S$25million bill may sound, it was a bill that was issued by a thriving medical business and it was for work done over a period. The fact is, had that S$25 million been paid, most of the money would have gone to cover expenses that Dr Lim incurred by caring for the patient, including the building of an ICU infrastructure and transplanting it via private jet (paid by her business). Fact remains that of that S$25million, Dr Lim would probably only received S$3.5 million, which was her annual salary for running the group.

Dr Lim does run a vast and very successful operation, which was recently valued at some S$80million. While this fact may not endure her to Singaporeans who are convinced of her greed, Dr Lim has been a successful entrepreneur as much as she's been a doctor. She has placed her personal money into the operation. She has taken on personal risk in starting an enterprise and it's a rule of business that the person who takes on the risk gets the lion's share of the rewards for the success of the business (she would also take the lions share of the cost if the business fails). Dr Lim may be making a lot of money, but she is also responsible for feeding over 30 people as well as caring for her patients. In short, that hefty salary that she earns is measured by the work that she does. If she fails in her work, not only does she lose her business and work but at least 30 additional souls get thrown out of work.

Mr Yeo by contrast has it relatively easy and like Dr Lim, he's no pauper. If Dr Lim can be accused of running a "scam," Mr Yeo's "scam" makes Dr Lim's look like child play. Mr Yeo has found a way of minting money without assuming any of the risk and responsibility that Dr Lim has.

Let's start with his day job. As the Senior Partner at Wong Partnership, one can expect Mr Yeo to take home nothing less than S$50,000 a month. What exactly does he do to earn this money? Well, just as no one doubts Dr Lim's talents as a surgeon, nobody is doubting Mr Yeo's talents as a litigator. I've heard him argue. He's articulate and logical when he presents his case. He's also good at disturbing his opponents. He knows how to play up to the public gallery as much as he does the judge.

So, I guess you could say Mr Yeo deserves his money from his day job in that many of the firms clients are there because of him. However, most of the leg work is done by his juniors (approximately 300 lawyers under him and let's not forget the paralegals) and let's face it - Mr Yeo was the founder of his firm and the personal risk he faces from the success or failure of the firm are negligible, especially when compared to the risk that Dr Lim faces.

While Dr Lim's income is derived from the business she has started and runs, Mr Yeo has done something even better. He's found a host of part-time jobs the supplement the income he makes from his full time job. His part time jobs also involve very little actual work for generous pay.

Let's start with his various directorships. What exactly does a board of directors do in public company? The answer is they look after the interest of the shareholders and they keep the CEO on his toes. The board of directors does not get involved with the day-to-day management of the company and they get paid not ungenerous fees to attend the usual yearly annual general meeting. They protect the shareholders by signing off on the report presented to them by the CEO and signed off by external auditors. So, if you think about it, what Mr Yeo is doing is very clever. He attends enough board meetings to enjoy enough swanky meals. Reads through a few annual reports and gets paid a decent sum for say a days work.

His directorships are, however, nothing when compared to his main part-time job - namely that as Member of Parliament for Hong Kah GRC. What does this part-time job take from him and give to him?

The answer is simple. He is required to listen to his constituents whine for about an hour a week. Once in a while he may be required to visit a few people and may be grace a few events. His comity work will involve maybe another two hours a month.

In return for doing all of this, he receives an allowance (Note - this is an ALLOWANCE not a SALARY) of a mere S$15,000 a month (around S$1,875 per hour worked). As long he serves two terms (10-years), he's entitled to this for life. He is also entitled to a pension which around two thirds of the allowance.

What he does not receive in money, he more than makes up for in the prestige of being a Member of Parliament. Wherever he goes, people will be aware of the fact that not only does Mr Yeo argue laws, he has a role in making them.

What risk does this part time job entail? Well, in theory he has to face the voters every five-years. However, Hong Kah has been a "walk-over" constituency - so he's never had to face the buggers who pay him for visiting them. Then let's look at this way - the work that he needs to do for his weekly visits are actually performed by volunteers in the grassroots.

As an MP, Mr Yeo is running one of the most impressive enterprises in the world. Everything that you make is gross and net to you. The cost are either borne by the State or by volunteers who want nothing better than the chance to say they licked your boots.

At the very least, Mr Yeo makes S$65,000 a month. This figure may not be as impressive as the S$25million that Dr Lim is supposed to have billed. However, it's far more secure. To date, Dr Lim has yet to receive a penny for the work that she did. The cost have had to be written off. By contrast, Mr Yeo's monthly salary is guaranteed and long as he stays within the comfort of his full and part-time job.

Which leads to the question? Why does Mr Yeo need to have an MP's allowance and pension when he's making the money he's making? Then you have to look at the fact that Mr Yeo, like Dr Lim is doing "Noble" professions. Lawyers are supposed to be interested in justice rather than in money. Being a Member of Parliament is ALL ABOUT SERVICE TO THE COMMUNITY. The member does NOT receive a SALARY but an allowance to cover things like transport (which in Singapore is negligible).

So, why doesn't Mr Yeo public ally announce that he's going to forgo one of his incomes and continue to do two jobs. That would be called "service to the community." His income as a the Senior Partner at the Wong Partnership is more than enough to cover the expenses he runs up on state business as an MP.

Mr Yeo made this point in court - "What work did Dr Lim do that could possibly justify her charges?" I would like to ask Mr Yeo the same thing - a significant portion of his income does not come from the Sultan of Brunei - it's comes from people like you and me.

Is there such a thing as a Noble Profession?

Thanks to Dr Susan Lim, everyone is once again obsessed with our favourite past-time - money and talking about it. If you talk to enough people, you'll find that everybody is exceedingly upset with Susan Lim for having the audacity to make money. It has even reached the stage where Susan Lim has become a verb for "overcharging."

The fact that Dr Lim never made money off the general public is irrelevant. The fact that she's in private practice and very successful because she's very good at what she does is also irrelevant. As far as a most people in the streets of Singapore and in cyberspace are concerned, Dr Susan Lim is a symbol of a greedy healthcare system that's milking the poor.

As far as most of the chat rooms are concerned, Dr Lim is wrong because she wants to make money. Talk to enough people about the case and they'll tell you that -"If you want to make money you should be a banker not a doctor," or "Doctors are supposed to save lives not make money." One journalist even went as far as to remind me,"She has a Hippocratic Oath to save lives."

It seems that the thing that's making people very upset with Dr Lim is the fact that she runs a very successful business? Yes, like it or not, a private medical practice is a business with rents and staff who need to be paid. Yet, because private medical practices are ..."Medical" they're supposed to be about something more than just paying the bills and turning a profit.

There are, as they say, professions and professions. Some professions are about making money. Nobody seems to mind when stock brokers make money - they wouldn't be stock brokers otherwise, would they? Then there are professions that notorious for keeping people broke - writing is one of them. Then there are what you call the "Nobel" professions, which are supposed to be about the greater good of mankind rather than making money. However much these professions don't make - they carry an aura of respectability about them.

I take teaching as an example. Teaching is known for being badly paid. Yet, it is a "noble" profession and being a teacher or a school master carries a certain aura to it, which money apparently cannot buy. I remember my late step-grandma who said that she was always relieved when step-grandpa went back to school, it was time when she could hold her head up high and tell the world that she was "Mrs Hart Smith." Step-grandpa Hart worked in the days when teachers did not get paid during holidays. So, he became a salesman for World Book. He made A LOT more money a salesman than he did as a teacher. Yet, as far as the community was concerned, his respectability came from being a teacher.

In a way, doctoring is supposed to be like teaching. Like the teacher and the lawyer, the doctor is a learned man. In addition to being learned, the doctor also saves lives. I think of Dr Christopher Khng, one of my ophthalmologist who teaches and operates on eyes. He says,"When you do good operation you help one person - but when you teach ten people how to do a good operation you help ten times the people." Doctors wear white coats, the colour of purity.

I enjoyed working in the healthcare space. It helped me to understand certain medical conditions and it helped me do some good by getting people I knew to look after their eye-sight.

However, as much as doing good is exceedingly satisfying, I am left wondering if there's such a thing known as a noble profession any more?

It started out with Singapore's politicians. It's a well known fact that Singapore has the world's HIGHEST PAID POLITICIANS. American politicians make their fortune after politics. Here, the politicians have a fortune thrust upon them. Our President, who is primarily a ceremonial figure who's main function seems to be shaking hands once a year on National Day only make some S$4 million a year.

When a few of us grumbled, the politicians made the point that high salaries for PUBLIC SERVANTS was necessary because the nation needed to get bright young things in PUBLIC SERVICE and to stay there. The politicians also made the point that highly paid PUBLIC SERVANTS did not shake down the poor for bribes. Much better to keep a PUBLIC SERVANT content with his lot so that he focuses on the job on hand.

If you think about it, this is a sound argument. Yes, we expect our PUBLIC SERVANTS to be noble people who want to serve society rather than engage in the grubby world of commerce. However, we understand that they need to live and if they see the possibility of living comfortably they're less likely to steal from us. Singapore is close enough to places where being an honest person is akin to being supernatural - able to function without life's basic necessities.

So, we've already bought the idea of the necessity of PUBLIC SERVANTS in NOBLE Professions being handsomely paid.

The next step is to look at the obvious - if we can accept the argument that PUBLIC SERVANTS must be well paid - surely the same argument applies to other so called NOBEL PROFESSIONS.

Then, let's look at the facts - the "Nobel professions" have already been industrialised. Let's go back to the example of teaching. Teachers may be a "noble" lot dealing with something other than money, but education is most certainly an industry and the teachers are slowly but surely realising that what they do for a living is a skill that can be packaged and sold just like any other.

Let's look at America as an example. America has the world's BEST universities. Places like Harvard, Princeton and Yale consistently rank amongst the world's top ten. How do these universities do it? Well, it's simple - they produce the guys who will get hired and promoted to top levels of the corporate sector. This in turn makes them more attractive as places to study and people are willing to pay vast sums of money to get in. If you are brainy but broke, the university has scholarships, bursaries and other schemes to help you out - but the bottom line is - the university still gets paid for providing you with a service.

The universities with the most successful business continue to climb world rankings. Those that fail - die. Nobody denies that Harvard is expensive - nobody denies that Harvard is a WORLD CLASS institution. The rules are simple - if you don't like Harvard's fees - you don't go there.

This is as business like and mercenary as it gets. While the American University system is acknowledged as the world's best despite it's mercenary nature, the same is not true lower down the education ladder. American High Schools are funded by the tax payer and any kid can goto high school. When you think of American High Schools, you usually think of a war zone in the same way that you think of an American University as a centre of excellence.

The Europeans who once stood out as the bastion of mass education have learnt the lesson. Business methods work in the supposedly noble business of education. European universities are now charging students for the service of teaching. In the UK, the universal truth remains - the schools that are run like businesses (misleadingly known as public schools) still produce the bulk of graduates at elite levels.

Teaching may be a noble profession but education is big business whatever anyone tells you. I live in Singapore where teaching is an industry. Local publishers survive on text book publishing. Parents spend good money on old exam papers so that they're kids can pass. Not all teachers are civil servants working in schools. If you're unemployed, become a tutor - you'll always have work. If you're entrepreneurial, you should also be a tutor. Retired school teachers with a name, make a very good living either by teaching only children of the well to do or setting a mass market tuition centre.

What is true of education has been more true of health care. Health care is, like it or not an industry in its own right. The doctor may be "noble" and willing to work for free but he or she would not be able to afford to provide you with basic health care without the people who make the equipment and the medicines. Nobody is suggesting that it's wrong for GlaxoSmith Kline or Norvartis not to charge money for their research, development and production.

Say what you like about big pharmaceutical companies but they've produced life saving stuff. Think of Asprin, which seems to cure just about anything. Think of HIV medications - which remain prohibitively expensive for many but have also given many others the chance to live healthy normal lives. More will be done in the field of pharmaceutical healthcare - however, someone has to pay for this and ultimately it's the consumer.

Doctors are part of this industry whether we like it or not. The industry that produces many of the miracle drugs we now take for granted, relies on the feedback of doctors.

Much as we hark back to the ideal of a doctor being all about saving lives no matter the financial status of the life to be saved, it is just that - an ideal. Doctors need to live too and the more well looked after they are, the more they are able to focus on the business of saving lives.

This is especially true of private practice. Doctors in private practice may not like to admit it but they are running a business and you cannot expect them to work on nothing but the love of it. The doctor may want to save your life for free - but the industry that supplies him will want him to pay for the medication and the landlord of his practice will expect to be paid. The staff of the practice will also expect their salaries.

Let's face it, the doctors who make it big in private practice are good at what they do or at least they're good enough for people to open their wallets. The Susan Lim's, Julian Theng's and Ron Yeoh's of this world are darn good at what they do - hence they get people who are willing to pay them top dollar.

I've always believed that life has to be about something more than just money. However, to expect people to provide you with something for nothing is unrealistic. Money is necessary in order to get progress. You need that to fund things like research and development. The money has to come from somewhere and more often than not, it is from the consumer and tax payer.

It's also proven that systems that have an element of business to them tend to be better at providing the basic service. If I had ten high paying clients, I could focus on just ten. My concentration for every client would be better than if I had to service a hundred poor paying ones. You like at the difference between the American University System and High School system as the best comparison.

Noble professions are not immune from the basic rules of business. Education, healthcare and dare I say legal systems are becoming more industrialised and not all of this is bad.

While noble professions may be less so, that does not exclude people from being noble. My favourite litigator devotes an incredible amount of time to "bro-bono" work and he's not the only lawyer doing it. His argument is that he believes in a system and the work he devotes to cases like Zen and Eric is a way of paying providence for giving him clients like Zim.

The same is true for doctors. Susan Lim may have charged Pangiran Damit millions, but she has given free surgery before. Dr Ron Yeoh has a lucrative eye care practice in Camden Medical centre serving an elite client el, but he and his team continue to do work at the National Eye Centre (SNEC).

Doctors and lawyers do give away pro-bono work. However, they have to get the money from somewhere to keep their practices flowing.

You cannot expect people to be noble without any consideration to their ability to take care of themselves. As one taxi driver says - "You cannot expect me to treat you like you are in a restaurant but pay me a Kopi Diam rate."