Meet The People Session

For obvious reasons, I will not be quoting real names, branches and MPs when I quote MPS cases in this article.

Most of us have heard of the Meet-The-People's sessions. Some of us have benefited from MP assistance. Some say "No use one lah...go also no use", however many have also experienced real help delivered by the political parties - even in "impossible" situations.

Here are some examples:

"David" had problems paying his parking fines which amounted to the tens of thousands of dollars. He had requested to have his parents (below 50 years) CPF released to assist him to pay. Appeal was successful.

"Siti" required assistance to have her daughter get placement into a secondary school nearer to her home. She currently has to send her daughter too far away to attend her studies. Appeal was successful.

"Sohail" had been trying to get a BTO. He already is married, has children and currently living with 5 other family members in a cramped apartment. but was not successful in his first attempt. He managed to get it on the second attempt, but was not sure if it was because of his appeal that got him a better chance.

"Tan" is a taxi driver, he already has very few points and recently run a red light, causing him to lose all his driving license. He says that driving is his only rice bowl and appeals for help. His appeal was not successful.


What is an MPS?
In Singapore, every elected Member of Parliament is required by protocol to attend a weekly "Meet The Peoples" session. Residents of a constituency (or constituents) can meet up with the MP and writers will draft a petition letter on their behalf. These are then sent to Government bodies, corporations or registered groups. The only caveat is that no MP is supposed to write directly to the Court or any Judge - this is because our system of justice cannot be subject to "influence" (You can however, ask for an appeal to the prosecutor).

The PAP requires all their MPs to attend the MPS (schedule willing). This program helps them to interact with the bottom 20% of society, understand their hardships and when crafting their policies, have these people in mind. They are required to stay late into the night if necessary (it is not uncommon that MPs, and their writers) work into the wee hours, even as late as 3am.

Key appointment holders such as the Prime Minister, Deputy Prime Minister, Senior Minister,  Mr. Lee Kuan Yew and (we cannot confirm) ESM Goh Chock Tong, usually appoint a “Second Adviser”.  The reason for this is that letters sent out from their constituency will not carry special privileges for the resident or add extra pressure to the receiver. This prevents the Government, it's civil servants or even private companies to act contrary to usual practice or legal ways just because they receive a letter by a very heavyweight personality.

What happens during MPS?
Each MP will conduct his/her session differently. Some will have their appeal heard first by a writer, before meeting the MP. Some MPs will go from table to table to attend to each resident and writer. Smaller sessions will see the residents meeting the MP directly.

Here's an overview of the process:

1) Resident will register and take a queue number
2) Resident will meet with petition writer who will take the case
3) Resident will then proceed to meet the MP to discuss problems
4) MP will then assist the resident to make an appeal via the petition letter. Urgent cases will be faxed out the next day, otherwise all letters will be mailed
5.) After the appeal, give about two weeks for a reply

What is the Success Rate?
Many factors. Genuine cases of financial hardship, bread and butter issues, maybe even cut utility bills arising from monetary difficulties can have high chances. (However, it is difficult to assess if a resident is genuinely needs help...it is not up to the MP or writer to judge. These cases are often referred to the Community Development Council (CDC) for evaluation). If they are found to be in trouble, financial assistance, emergency utility reinstatement funds and ComCare funds, free healthcare from government clinics etc can be rendered immediately by the CDC (not the MPS). Some branches practice the handing out of food vouchers and EZ link cards, however this is at the digression of the MP and there are very limited numbers.

Then there are immigration cases. Oftentimes, these are from Singaporeans who marry foreign spouses. ICA never tells you the reason for rejection (this is because if they put something in black and white, chances are you can find loopholes and work around it). It is hard to tell the success rate of these - especially with anti-forigner sentiment so high in the country.

There is also appeal for reduction/waiver in traffic fines. Usually the resident will already know in his/her heart what the chances are. However, for any court cases concerning traffic (or any other criminal offense actually), no political party including the PAP, has the right to write to the Judge or the Court. Thus, MPS session will not accept any court cases. For help in this area, there are legal clinics (available in some constituencies) and they can refer you to Legal Aid if you are in financial difficulty. As mentioned earlier, the MP can also appeal to the Prosecutor (TP, LTA etc) not to pursue the case and for leniency.


What happens after appeal?
All letters (including opposition MPs) written in to Government departments, Ministries and Stat Boards require a reply: even it if is merely a "yes, we have received your letter and are considering the case".

Private companies (banks, telcos etc), are not obliged to respond to MP letters. Theirs is a private agenda and sometimes they do reply and assist out of courtesy, but they are not compelled to take any action. But you never know, it depends also on the personal relationships that the politicians have with these private companies... it is after all humans that respond to letters.
 


Here is some practical advice you can use:

- If you have matters that are very urgent or you know will result in a court case, utility termination or overstay in the country, please, please, please do not wait until the last minute. Prepare well in advance, months in advance if possible

- Be prepared to wait at least 2 weeks or more: you'll be writing to bureaucracy and your appeal will have to pass many eyes to be properly considered

- You can meet the MP for any problem. Job placement, appeal for getting HDB, financial hardship, defects in your HDB property, crime (although i'd advice you to go to the police first), NS deferment, highlight your views on inflation, COE, foreigners etc, all sorts of private problems. All of these problems are then documented for later study

- If there are problems in your estate; upgrades, defects, crime etc, you are encouraged to bring these up to the MP and their team of writers. As the Town Council is run by the MP of the area, he or she would have direct interest in getting these local problems fixed promptly

- MPS is not a government department

- There is no law that prevents opposition parties in running their own form of MPS or to build an office at the void deck to conduct their businesses

- Petition writers are volunteers and almost always a Party activist

In a nutshell: MPS is a political tool for both the residents and their parties to use. It is a regular avenue for residents to reach their MPs easily for assistance and/or communication

Additional Information:

To find out who your MP is, click here: http://www.parliament.gov.sg/list-constituencies

To find out addresses for MPS sessions for PAP MPs, click here: http://www.pap.org.sg/contact.php

To find out addreses for MPS sessions for WP MPs, click here: http://wp.sg/2011/05/aljunied-grc-commencement-of-meet-the-people-sessions/

COE: Problems and Thoughts

COE is very high. We won't argue with that.

Even the Ministry of Transport and Minister Lui Tuck Yew is worried, and for good reason. They fear Singaporeans will never be able to afford the widely touted "C"(as in the 4 Cs of the Singaporean Dream).

We did ground work, questioned people, read online comments and came face to face with Facebook chats to have a look at the ideas from everyday citizens.

But before we continue, let us agree on a few things:

a.) EVERYBODY wants a car

Everybody. It is no use telling us that public transport is cheaper and more convenient. We all want four wheels...to flaunt, for convenience, for necessity, for security, for more girlfriends...

 (...because if you want to date them...)

 (...this will make it so much easier.)

b.) Singapore does not have enough space for so many cars

We only have some 700 square kilometers. "Sway" lor.


c.) If you WANT something badly, you will find ways to get it


This means you will try to beat the system. So whatever policies you have in place, you have to guard against loopholes.


So now that we have an accord (pun intended), let's have a look at those ideas on how to curb car use.




Grant COE first cheaply to those who need it.

Who needs it? Business people? Sales people? Those in wheelchairs? The blind? Families of those in wheelchairs and are blind? Those with children? Those with old people? Women and children? We face a moral problem here - which Government department (or politician) wants to be in-charge of determining who needs a car?

The Loophole: Could there be a situation where those that usually don't need a car (such as many wheelchair bound), suddenly rush to buy a car, just because its so cheap? Will their family members use their status to acquire one for their own use?

What if a black market forms from this policy loophole?

Verdict: Not good idea.


Taxis: They are the culprits. Split taxi COEs to a new category
We do not have data (yet) about how true this is, but let's assume it is anyway.

Who determines how many taxis are needed? If we keep a free market system, and a "taxi COE" was implemented, more new taxis will go on the road. Maybe taxi COEs could even be $1 (since there are only so many taxi companies). Taxi companies will benefit.

The Loophole: More will want to be "part time taxi drivers" just to use a car. In fact, already there are so many that use the taxi for their own transportation, sending their kid to school and coming home to sleep.... selling insurance and ferrying real estate clients (*wink wink, you know who you are*) These people don't need passengers, they pick up a passenger or two when they're in the mood.

Verdict: Not a good idea. Come to think of it, could this be the reason why Hong Kong has sooo many taxis?

(Hong Kong: Taxis during mating season)

Increase COE prices for families (200-500%) with more then one car
This came from one who was unhappy with richer families owning more then one car. But arguably, only one person can drive one car at a time.

There are also families with multiple kids, or parents living with them etc. Are we unfairly penalizing families with more children (And hence sabotaging procreation).

The Loophole: "My dad has a car, stays with me and now when I have to buy a new car, I have to pay 5 times more, sorry dad, COE is more important, you gotta go".

or:

"Hey, I don't have a car - why don't you pay me to use my quota?"

Verdict: Not a good idea.



Ballot system
Otherwise known as: "tikam". A set number of COEs goes into the market and people will ballot for a chance to own one. So, what about those who "need it"? This would create difficult barriers for them.

The Loophole: If we have a ballot system, would this encourage people to try their luck? This could also create a black market - those who get the ballot could mark-up and sell to those who don't.

Verdict: Not a good idea.
 


Moving Average COE system
COE prices are determined on the moving average of prices of the past X months; making it affordable, yet with quota, there won't be a burst of vehicles.

Hmmm. I still cannot understand this to be honest. The COE operates on a mechanism of bid. If we use the average of 5 months worth of data and artificially determine the 6th, how would that work out for the 7th, 8th, 9th etc ?

The Loophole: We don't understand this as yet and cannot comment.

Verdict: This requires more thinking.



Remove COEs and let the market buy freely: let the inconvenience control usage
With all due respect, this has by far been the most absurd idea.

The Loophole: There isn't one because it's so absurd.

Verdict: Mad.




The COE system is not perfect, like everything in life. But so far its the most sound solution.

If you have any ideas, please do write in and let us know: we'll be glad to publish those that are worthy of debate and consideration!

Singapore Taxes : Part 3, abolish GST for bare neccessities

At Five Stars and A Moon, we are well in touch with the ground. We know that there are groups advocating the abolishment of GST for necessities.

They ask: "Why is GST imposed on bare necessities, don't the rich eat the same as the poor?"

Let us first define "bare necessities". 

(No student has graduated without these necessities)

Lets take rice for an example. There are many types of rice. Basmati rice, Vietnamese Rice, Thai Rice, Sushi rice (or Koshihikari Rice, a premium rice from Japan) and even Organic rice. Which one should be the necessity?

The Thai Rice (most) Singaporeans consume is actually a premium rice, not at all a "necessity".

(Rice is the bread of Asians)

Bureaucratic nightmare
A mobile phone is a necessity. So is a mattress. So is water, electricity and gas. To be able to classify, update and manage dispute of articles for tax exemption would mean IRAS setting up another department and system - this also means: someone needs to pay.

Many, many companies will want their products exempted from tax to boost sales. Tax free shampoo and conditioner anyone?

Maybe the Restroom Association of Singapore (Yes, such an organization does exist) will then want toilet cleaners, brushes and toilet paper also exempted from tax. Don't you think GST on these products discourage "Good toilet behavior". There will be no end to all the petitions.





Does the rich eat the same as the poor?

Even if we might eat the same amount (arguably), but how about the cost?

 

  

(the only thing fishy about this, is the price)

So if we decide to exempt fish from GST. This means the rich will save $85.68 (on this $1224 Sultan Fish) while the rest of us save a few cents from a $3.50 fish soup porridge.

GST Credits
Remember the GST Credits you received not too long ago? If you ran out and bought a shiny new iPhone, you're probably not one of those that need help with taxes. This several hundred dollar cash handout by the Government is for Singaporeans to offset whatever they spend on GST, thus nullifying the tax altogether - specifically for expenditure on "basic necessities".

In a nutshell,  if we were to exempt GST from "necessities":

1. Less overall GST collected due to people exploiting loopholes etc.

2. Rich pay much, much, much less GST while poor saves little

3. Higher cost for collecting GST including setting up GST assessment centres for new products as well as mediation and arbitration courts for GST and enforcement centres.

4. More bureaucracy, administration and difficulty of starting and running a businesses

5. GST Credits are available to help the needy nullify their GST expenditure

Editor's Notes:

- Income tax is a tax on your earning power. GST is a tax on your spending power, thus can be seen as a tax on the rich.

- Instead of inefficiently spending more to create a brand new bureaucracy, this Government has decided to just give real money in the form of GST Credits for Singaporeans, needy or otherwise.

- Unless your business makes more than S$1m a year, you do not need to charge GST

- But let us not forget WHY we have GST in the first place. This tax brought in $8b to the country last year: it helped pay to keep this country running, clean streets, functioning lights, security, defense and a peace of mind for you and me.

Singapore Taxes : Part 2, GST and Revenue

I have had very good feedback telling me that the previous article on income taxes was an eye opener and was very helpful in understanding the economical climate of Singapore! I thank each and everyone of you for your thoughts!

As anticipated, and expected - the more skeptical of us raised the following remark: "It's not the income tax that's the problem, the GST and road taxes is where it's very high!"

It's not useful to just say that our GST rates are relatively low. Or that GST Credits and offset vouchers are available for the needy, let's have a look at what people in other countries are paying:

 

GST or VAT is a "pay as you use" tax. So if you don't use, you don't pay. (I am aware that there exists the idea of not charging GST for essential items such as food. We'll leave this for another article another day) If you'd like an idea of how much of your GST is going into Government coffers, have a look at the previous article.

Ok. With that taken care of, let's have a look at the most annoying "services" we pay to the IRAS. (And for the record, I hate ERP as much as you do) But to put things into perspective, we thought it appropriate to show you the total amount the country has collected in 2011:

 

Again, $7b and $8b make little sense when seen on it's own. 

To get an idea of it's scale; the entire Circle Line project costs an estimated $7b.

The most glaring question at this point is this: What about the Government Investment Corporation (GIC) and Temasek Holdings? How do they come into the picture?

 

This shows a fuller picture of our current fiscal position.

Without Investment Returns (from the GIC etc), our budget would be approximately $6 billion in deficit.

Notice the word "transfers" above, under "expenses". This refers to: Growth dividends, GST credits, GST vouchers, U-Save rebates, SCC rebates, Rental rebates, Workfare, CPF medisave top-ups, Child Development Credits, Top-ups to Edusave Accounts and Post-Secondary Education Accounts, public transport vouchers, funds for self-help groups, CCCs, VWOs, Jobs Credits, Productivity and Innovation Credits, SME cash grants.

They also include transfer to the Bus Services Enhancement Fund, the Special Employment Credit Fund, the GST Voucher Fund, the Community Care Endowment Fund, the Medical Endowment Fund, the Eldercare Fund, the Lifelong Learning Endowment Fund and the Edusave Endowment Fund.



$56b. That's how much this country costs to run - everything from charity, aid, defense, street lighting, maintenance, health, subsidies. New roads, new expressways, new MRT lines. All this costs money. A lot of money. It's an unromantic subject, maybe ugly to talk about even - but it's very real and sweeping this subject under the carpet is not going to make it go away.
 

Source: Ministry of Finance, Singapore. GST/VAT rates from respective country's finance ministries websites.

Singapore Taxes: Part 1, Income Taxes

Taxes paid in Singapore are amongst one of the lowest in the world. But I'm curious about how many percent of Singaporeans actually pay taxes. Five Stars and a Moon takes a graphical look at otherwise very boring data available on public domain.

 

31% of Singaporeans including persons not economically active.  41% of economically active Singaporeans pay income tax.

20% is the highest marginal tax rate, levied on income above $320,000.  The first S$320,000 of income is taxed at lower rates.  The maximum effective tax rate is less than 20%.

Examples of tax reliefs used in calculating taxable income: Employee CPF contributions, earned income relief (skewed to benefit seniors and handicapped), NS man relief, dependant parent/grandparent relief, parenthood relief (increases as you have more children).  There are more than 20 different reliefs in the Singapore income tax model.

 

If we add up all our taxes (income and property taxes, GST and other indirect taxes), 
the top 20% of households contribute about 53% in 2010.” Separately,  Corporate Income Tax (CIT) accounts for about 31% of taxes paid in Singapore for FY 2010/2011.

But all this data needs to be compared against another to give it meaning. 

Let's have a look at Hong Kong:

 

If you have reservations over the data presented, have a look at your income tax invoice (that probably just arrived in your mailbox about a week ago) - how much did you have to contribute?

*Source: Ministry of Finance, Singapore and the Inland Revenue Department of Hong Kong 2011.

Why PAP?

But why PAP?  Someone asked me that before.

I did pause to search for the answer.

It didn't come naturally, and I was glad it didn't, cos I wouldn't like it to be an automatic answer... like some brain-washed, controlled answer that came from a reflex reaction similar to someone yelling "Hail Hitler".

 (they couldn't decide who should get the taxi)

I was glad i took a minute to reflect. 'cos frankly, how is it possible to like everything and everyone in the PAP?  I could think of a few MPs, even a few Ministers I would dislike, or at least cringe more than a little each time they speak.

But I too personally know more than a few Men in White who are humble, honorable men and women, who selflessly serve the people, think hard for what is good for the people, push boundaries, manage difficult crises, consider moral dilemmas, and take tough decisions.

I saw leadership. I saw intelligence. I saw cold logic. I saw ability.  I also saw passion.

But most importantly, I saw moral courage.  Between what's right and what's popular, the men in white I've come across have no qualms saying and doing what they feel is right. Even if it may not please their bosses, their colleagues, or even the electorate. This is something I really respect.

To answer Ben's question of what do I think I want to see in my MP, I have 3 simple things.

1) To be sure of what he/she stands for. 

PAP is not about its might, or its prowess, or resources, or its infamous iron-fist. PAP is about taking action to serve the people. Whether it's through resources, through having a voice, or through whatever it takes.  ACTION is their promise. On this, I think the PAP does well.

2) To honor my independent mind. 

On this, I would say PAP do have much room for improvement. But I've to applaud them for having the guts to admit and say sorry and want to learn and improve.  Given time, I'm sure they can get it right. We are a young democracy.  Supporting the opposition is NOT democracy, like so many opposition supporters like to think. WP is not the emblem of democracy. The question would be, how would the ruling party effectively educate the people to discern and understand how to be a democratic nation.

3) To defend my interest when I need him/her to

An MP is my representative in Parliament. He needs to be able to defend my interest as a citizen in Parliament, and if there is a need for a trade-off, to forge a consensus with me through effective leadership, so that the nation can move forward in unity.

If you really ask me, I'm still reluctant to actually label myself as a PAP supporter. Let's just say, I support anything I feel is good for my country. And from what I've seen of the men in white so far, I would say, we're in good hands.

~~~~~~~~~~~~~~

Congratulations to Low Thia Kiang!

Congratulations Mr. Low Thia Kiang - you have indeed fought hard and won a battle in Hougang once again.

That's the thing about a democracy: not everyone agrees with you and in this case, some 8000+ people did not choose you as their leader.1 However, we have got to respect the decision of a majority. This what what Hougang people believe, this is what they stand for and leaders of the Worker's Party are the ones they want to manage their lives.

Many have been harping about the opposition putting pressure on the PAP to perform. Yet, the reverse is also true: PAP pressure has forced the Worker's Party to respond and improve - we all believe that they will now truly pay attention to the estate of Hougang and not play a blame game. They can also in like faith, raise money, pursue projects and improve the estate - and this time, I am pretty certain they will tap on MND funding (which has always been available to them) to do so.

What bothers me is the direction the political mood in Singapore is heading. Attacks on individual supporters, harassment both on and offline, undue pressure from friends, colleagues and  business partners. Political parties look like they are degenerating into cults, with worshipers blindly paying allegiance and choosing their leaders merely by charisma, emotional persuasion and a lofty cause. Feed these sentiments with an imaginary enemy: tell them that this enemy is destroying their lives, restricting their freedom, lording over them and very soon, even the very photographs of the "enemy" become hateful to look upon.

I think it would be healthy to remind ourselves that an MP, is... well, a Member of Parliament. Apart from representing the people and looking after their lives, this is a job that requires them to make laws and policies. We are not voting in celebrities, rock stars and religious leaders (figuratively speaking of course, if such people can prove themselves worthy, why not?)

What about you? What are your thoughts about what a Member of Parliament does in Parliament?

Footnotes:

1This remark about 8k+ not voting for WP was not meant to be sarcastic. It is merely trying to point out the flaw of a voting system. It is a flaw, but is still the best solution. 40% of Singaporeans did not vote the PAP - that is a fact, this does not mean that their lives are any less important than the 60%. You will be able to use this argument both sides of the coin. A democracy and it's voting mechanism is not perfect.

Lee Kuan Yew On Leaders

‎ 

Today, Mr. Lee Kuan Yew made an appearance in mainstream media, commenting on the selection process for political leaders. 

"I hope that successive leaders will bring in carefully selected people who have got the potential to do more than something for themselves. They’re not paid very much to do that. It must be a bit of a sacrifice, because the people with the potential to be ministers can easily earn bigger figures outside in the public sector"

This statement once again refreshes the voting public about the touchy subject of salary vs passion.

Here are my personal thoughts on the matter:

a.) Do political leaders of other bigger nations with larger economies suffer an even greater injustice (by being paid less)?

Do you consider your life as any less important as one in a larger economy?

Do you consider Singapore any less important than a larger country?

Another question to ask: Do you really believe that all politicians in larger economies are honestly taking home what they declare? I won't make accusations here, but it is something to think about.

b.) Is money the only way we can attract talent?

Many have been comparing volunteer work to political work. I believe this to be a naive point of view. These are two very different roles. It is difficult enough to stand for political office: to be spat, cursed, ridiculed and harassed as a public figure. You lose personal time, you lose family time, you spend your weekends with your constituents, your holidays interacting with people and your weekdays battling your everyday job. Yes, passion is needed but passion does not pay bills as effectively as money. Ask any woman: few want to be married to a politician.

When we vote, we are choosing the people who make laws to govern our lives. Laws that will affect each and every individual in this 5 million strong population. Laws that could put you in prison. We want good, rational laws thoroughly debated by a team of experts.

Think of yourself as an employer and money wasn't a problem. You want to recruit a Member of Parliament. How much are you willing to pay for hiring the person to fit this role?

c.) Would this only be attracting people who are in it for the money?

My friend is a commercial diver and works on an oil rig. He says, no doubt - the money is good. But he goes to work everyday knowing that there is a high chance that he will lose his life, not even a billion dollars will not be enough. He needed real passion and love for the job to take him through.

If you think that a political office is not a high-risk job, consider this: how many US presidents have been murdered? How many Taiwanese politicians have been shot, maimed and killed? How many Japanese and Korean politicians have reportedly "took their lives"? In Singapore where the political environment is relatively stable, we also have MPs that have been physically attacked, doused in hot water (or was it petrol?) and threatened with knives.

Sure there is good money, but without a love of the job and a desire for service, no amount of money is going to get people interested in governing a country where this governance is likely to be unappreciated.

d.) Is this form of leadership renewal considered "elitist"?

When your employer decided to hire you and not the previous candidate, did you consider that an elitist way of selection?

It depends on how you look at it. Last night, another friend was asking "How does one selected to be an MP"? He then immediately followed up with, "What sort of paper qualifications do you need"? To my knowledge, there is no defined qualification you need. Prove that you have gotten far ahead in your career, have track records of managing large teams of people and be successful in your family - you can almost expect a phone call for "tea". It is merely a simple, normal headhunt/ interview process, one that is equal opportunity and open to any citizen of Singapore worthy of it's position.

e.) The vast majority of a country are middle to low wage earners: would this present a form of resentment to leaders?

Now this, is the crux of the problem. Money is a very touchy subject. Discussing it can bring about feelings of repulsiveness, fear, envy, disgust, joy...sometimes all at one go. From my experiences, it is never a good idea to talk about monetary value in everyday talk and even in business, this subject must be handled carefully. By paying yourself more, you lose moral high ground. You put yourself in a position to justify this money (...and to justify it to several million voters is an impossible task).

If you're from the other camp, perhaps you do not agree that politicians should be paid such high salaries anyway. Well - in an ideal world, we'd be able to find highly capable individuals (possibly multinational CEO types), a person that would risk his/her family's life, create inconvenience to his/her family's privacy, sacrifice monetary rewards, personal time, health and get into the physically demanding job (of political canvasing) for the sake of his/her country. Can you find such a person? Try it out as a private project, look out for such a person yourself and prove me wrong.

Not satisfied?

Well, try this other experiment: I'm sure you consider yourself an expert at what you do, so, will you be satisfied with an "average" salary, one where the boss sells you passion more than bread?



We now have a dilemma. If it is important to pay well, the public doesn't accept. If you don't pay well, looking for talents become a challenge. What is the other alternative now? Does one think it is a better idea to remunerate politicians away from the public eye?

Do you have any thoughts about this? Do you have constructive ideas that could work out?

Please do share in the comments section!