"It costs S$400,000 (US$280,000) to study veterinary medicine in Australia," one young lady veterinarian informed members during a discussion at the Singapore Veterinary Association's Annual General Meeting in Nov 1, 2009. This is a large amount and veterinary scholarships are few. Therefore the majority of the new graduates in private practice is privately funded,usually by parents.
In 2009, the Australian dollar once again shot up by 30% within a year. That greatly increases cost for the parents. What happens if parents cannot support halfway through the course? I often wonder whether such Singapore veterinary undergraduates would succeed in the face of adversity? Every year, he would need $80,000 to pay the fees and the accommodation. And a car to travel to farms and university. A 10-year-old old car costs around $4,000 in Perth, Australia unlike $40,000 in Singapore, but still when you are in dire straits, $4,000 is a lot of money.
I visited Murdoch University in October 2009 and was surprised that there was a student volunteer group that provided free bread and butter for students. I doubt you will see such a group in Singapore's University. There must be a need for free breakfast by poorer students, presumably from Asia. These volunteers are very kind to help out those in need. What volunteer group this is, I don't know.
Back to my question: "Are there any young Singapore veterinarian who worked his way through college?" Are all graduates from well-to-do families as $400,000 is not a small sum to support a young adult to study veterinary medicine in Australia.
I met one at the President's Reception. I knew he loved veterinary medicine from the way he talked about the unusual bird and star tortoise veterinary cases. During his 4th year at Murdoch University, the Australian Dollar shot up by at least 20%. His savings ran out. He found difficulty in paying the room rental.
"Didn't your parents support you?" I asked him when I meet him at the President's Reception. From the way he nodded his head and gave no comments, I don't think that support was sufficient. $80,000/year is a killer amount for the majority of Singapore's middle-class parents as that meant one parent had to earn at least $7,000 per month before taxes to support a child. Money meant for retirement.
"What did you do?" I was curious.
"I played the baroque,." he said or some words sounding like "baroque". I did not ask him so as not to show my ignorance of music or musical instruments.
"One evening, on the eve of examinations, I was performing. I saw my two lecturers in the audience. Immediately I forgot my words!"
"That is why your lecturer who was at the Association's Annual Dinner remember you and waved to you at the dinner," I said. "Very few Asians sing in public. They must have talked amongst themselves about you needing to sing for your supper.
He was asked whether he could play the organ at the Church. So, music gave him some money to fund his education.
Would revenue generated from music be sufficient? He was in the 4th year and that was the most demanding year of lectures. The 5th year was relatively relaxed as the student does more clinical cases. The Veterinary Hospital accepts 82 undergraduates and a small number will be rejected. He needed to spend time to study. If he fails the 4th year, he would have to repeat another year.
"How much do you pay for room accommodation?" I asked. Rentals can be as much as $300 per week.
"I met an old classmate from Singapore. Her family had a house near where I rented a room. Her parents offered me her spare bedroom."
A guardian angel must have helped relieve him of the heavy financial burden.
"Do you have to marry the daughter?" I presumed the old classmate was single. Their paths had crossed. The girl's parents were wealthy. He got along well with the visiting parents and sang with them after dinner. The girl's mum liked him very much. All mums would want a good spouse for their child and being a parent myself, I would say, he was good husband material but I have no daughters. The boy-next-door type of young adult. Well brought up to respect elders and hard working despite financial setbacks to become a veterinarian.
He was offered a position to run a big piggery operation in China after graduation as his veterinary training and other characteristics would add immense value to this new business venture. Pork are in great in China as the country becomes richer. So there was a great business opportunity to be rich.
He was not into pigs.
How about his own veterinary hospital in Singapore since Singapore has only one veterinary hospital?
So, this was an opportunity to move up the social ladder and be well respected for being the owner of a veterinary hospital in Singapore. The financial backing was solid. Such opportunities don't come to anyone. What would you do if you were in his shoes?
"Didn't the girl object to such a proposal?" I asked.
"No," he said.
"So, what's the problem? Don't you love her?"
The young man quoted me two Chinese idioms in the course of our conversation. I don't know how to translate as my grasp of Chinese language is no good. I knew what he meant.
This is the second time I hear of a similar occurrence where the stars bring together a daughter from a very rich family with a young male undergraduate from a poor family. The daughter in both cases has no objections to the marriage and have offered to help the poor man financially.
The upbringing of a daughter in a very rich family is so much different from that of a girl from a poor family. She has everything and gets pampered to her every wish and fancy. Shopping for branded goods and clothes most of the time. What do you expect her to do since she has the money? She has no respect for the elders usually as they cater to her every whim and fancy. But this may be stereotypical thing as there are rich girls who are frugal and make good wives.
But can the poor man give her the high standard of living? Will she respect him for being an opportunist?
Love had not blossomed yet in this case. The boarder was the catch. He offered to wash the dishes when the mum cooked. The daughter, I presumed, would just let the mum do all the washing and cooking.
The mum was from the baby-boomer generation that knew hardship. She cooked and washed dishes as maids are not easily available in Australia.
She wanted what all mums want. A good husband for her daughter. In her eagerness, she made the proposal to set up a veterinary hospital for him in Singapore. This proposal is one that can sabotage any budding young adult relationship.
Did the poor young undergraduate men in both cases I encounter marry the girl for her money? No. So, there was no living together happily ever after.
Monday, November 2, 2009
Saturday, October 31, 2009
Spaying a hamster
"Vet 1 is a hamster expert," my associate vet, Dr Jason Teo introduced his friend to his left as we were having dinner on the 2nd day of the Singapore Veterinary Association Conference on Saturday, Oct 31, 2009. After that, there would be 3 more veterinary talks that would end at 11 pm.
"Have you ever spayed a hamster?" I hoped to acquire some knowledge during my networking at this Conference.
Another vet with over 20 years of practice and looking for locums asked, "You mean taking out the testicles?"
"No," I said. "I mean, sterilisation of a female hamster."
"Yes," Vet 1 said. "One owner insisted on her female hamster to be spayed instead of the male. So, I did it."
"How did you do it?" I asked. I can safely say that 99% of the vets all over the world do not spay a dwarf hamster. I mean, it was not an easy operation to do. High risk.
Well, this vet was successful. The hamster ate 5 minutes after the spay and went home. He used some "plastic" catheter, inserted it via the vestibule into the "uterine body" I presume, elevated the uterus...picked them up under magnifying glass and remove them. The problem is the stitching up of the very thin and sticky abdominal muscles according to him. More details at vin.com, he said.
Incredible story but true.
"Have you ever spayed a hamster?" I hoped to acquire some knowledge during my networking at this Conference.
Another vet with over 20 years of practice and looking for locums asked, "You mean taking out the testicles?"
"No," I said. "I mean, sterilisation of a female hamster."
"Yes," Vet 1 said. "One owner insisted on her female hamster to be spayed instead of the male. So, I did it."
"How did you do it?" I asked. I can safely say that 99% of the vets all over the world do not spay a dwarf hamster. I mean, it was not an easy operation to do. High risk.
Well, this vet was successful. The hamster ate 5 minutes after the spay and went home. He used some "plastic" catheter, inserted it via the vestibule into the "uterine body" I presume, elevated the uterus...picked them up under magnifying glass and remove them. The problem is the stitching up of the very thin and sticky abdominal muscles according to him. More details at vin.com, he said.
Incredible story but true.
Saturday, October 17, 2009
10. The Sceptre of Blood
"Please save Max," the lady phoned me. "He had not been eating for 3 days and is just lying down." This lady had clairvoyant powers or divine backing but I cannot substantiate the powers scientifically for readers. She was once my client and I had experienced seeing blood appearing from the air in her office. I had recorded this in one of my earlier articles.
I gave Max his first puppy vaccination and he was 6 years old now. Over the past 2 years, his owner had used another veterinarian. Vet 1 had X-rayed him, taken blood test and given Max furosemide medication. Vet 1's blood test indicated liver malfunction. Max had no fever during my first house-call but he just would not eat and laid down. He just would not stand up and walk.
Max was a big breed and overweight at 80 kg but he had never been sick for the past 5 years when I was the family vet. A family vet becomes a friend and seldom charges fees. For some reason, the lady decided to use the services of another vet from Max's 5th year onwards and I lost touch with him.
"Max had a sore throat," the lady said during my house-call. I discovered all the submandibular, axillary and popliteal lymph nodes were enlarged 20x. I told the owner that Max had lymphosarcoma but she did not want any treatment.
The next 21 days were extremely stressful to everyone - the family, the caregivers, my vet assistants and myself. I visited Max practically every day and some evenings knowing that there was not much hope as Max's fever became uncontrollable and he would not want to stand up, except to go to the nearby bathroom instead of going to the garden. His abdomen swelled and I had his bladder catheterised for the next 15 days to permit urine to flow out in a urine bag.
Vet 1 and one acupuncturist did house calls and prescribed medication. I was not informed but my vet assistant discovered this and was very upset as medications could conflict and kill Max. This was not the first time that an owner would seek second opinion and since she was under great stress, I did not want to bring forth this matter.
I presumed that the owner was worried that I might recall my veterinary assistant and my services and abandon Max. We were giving drips practically 24 hours a day for the 21 days Max was alive. She never wanted Max to be hospitalised in other places but to be treated at home.
It is OK to seek other opinions but conflicting drugs just would not help Max. Vet 1 was aware of my treatment as I recorded the drugs in a book in the house for the owner and I knew she would get other vets to help her. It would be in the interest of Max to be given written records so that other vets would know what was happening. Of course, my vet assistant did not connect my purpose of recording my treatment as I did not explain to him the rationale. He was an extra-ordinary Vet Technician who really loved veterinary medicine and surgery passionately. He was very unhappy with the behaviour of the owner and wanted me to abort the case. Such are the realities of life of Singapore owners seeking various outside opinions and internet information. I did not lose sleep over this behaviour as no person can know everything. However, in the final 3 days before Max died, the lady asked me to go to Max's room and informed me of the treatments given by Vet 1.
I gave I/V drips, antibiotics, anti-fever and ensure that urine catheterisations were properly done. Max would pulling off the drip set. He just would not get up to eat and his fever would return again and again when the anti-fever medication dose was ineffective.
On the 7th day, the owner rushed home from work as Max had collapsed. I was called and rushed to see him after my MRI scan for my left hand tissue growth at the Singapore General Hospital. That was why I remembered this date. The owner took out her sceptre and paraphernalia to administer the last rites. I left the bedroom where Max looked like he was in his last breath dying to give the lady privacy to administer her rites.
But Max still lived on after another IV drip. Another 4 days later, Max was well enough to walk to the garden to pee as he had not walked much except to the nearby bathroom. The lady was extremely happy. She stood up from the dining table and hugged me with grateful thanks. Was there light at the end of the tunnel? Sadly, no. Max did not stand up after that and his fever raged on like a bush wildfire out of control and flamed by strong winds.
Were there other vets or specialists in Singapore to treat Max in the house? I don't now as the owner did her own arrangements. By the 18th day, Max started to vomit. He vomited more and collapsed. His fever was uncontrollable. He passed away on the 21st day overnight. I had left the house that night and had a premonition that it was Max's last night. Grieving had to be in private and I left the lady alone.
I sent my condolences via text message after 2 days as my assistant told me that Max had passed away. The owner messaged back to thank me and say that Max received a good sign from Heaven on his day of death. I could not figure out what she meant and did not ask further as I was no longer the family vet. That was 4 months ago.
2 days ago, I met one family member and enquired what happened. On performing the last rites prior to cremation, Max was wrapped in a white cloth. "Blood appeared and stained the cloth red. Lots of blood appeared on Max's bedroom floor too. It is a good blessing from Heaven - the sceptre of blood," the family member told me.
I was no wiser as to what he mean. I know what a sceptre is. There are jade sceptres in Chinese religious beliefs but a sceptre of blood? What does it mean. I did not probe further. However I believed in his description as I had seen blood appearing out of thin air previously. As to the significance of this paranormal event, I don't know. It is incredible but true. The lady's business is booming even in the midst of recession. I believe she is prospering. She does not practise clairvoyance commercially. I leave it to the reader to provide their own interpretation of the paranormal phenomenon.
P.S. The flower is for Max. A very gentle Golden Retriever who always dashed to the front gate whenever I came for house-calls or visits. As a pup, he mouthed my shoes and hid them. Thereafter, I put my shoes high up during house-calls.
I gave Max his first puppy vaccination and he was 6 years old now. Over the past 2 years, his owner had used another veterinarian. Vet 1 had X-rayed him, taken blood test and given Max furosemide medication. Vet 1's blood test indicated liver malfunction. Max had no fever during my first house-call but he just would not eat and laid down. He just would not stand up and walk.
Max was a big breed and overweight at 80 kg but he had never been sick for the past 5 years when I was the family vet. A family vet becomes a friend and seldom charges fees. For some reason, the lady decided to use the services of another vet from Max's 5th year onwards and I lost touch with him.
"Max had a sore throat," the lady said during my house-call. I discovered all the submandibular, axillary and popliteal lymph nodes were enlarged 20x. I told the owner that Max had lymphosarcoma but she did not want any treatment.
The next 21 days were extremely stressful to everyone - the family, the caregivers, my vet assistants and myself. I visited Max practically every day and some evenings knowing that there was not much hope as Max's fever became uncontrollable and he would not want to stand up, except to go to the nearby bathroom instead of going to the garden. His abdomen swelled and I had his bladder catheterised for the next 15 days to permit urine to flow out in a urine bag.
Vet 1 and one acupuncturist did house calls and prescribed medication. I was not informed but my vet assistant discovered this and was very upset as medications could conflict and kill Max. This was not the first time that an owner would seek second opinion and since she was under great stress, I did not want to bring forth this matter.
I presumed that the owner was worried that I might recall my veterinary assistant and my services and abandon Max. We were giving drips practically 24 hours a day for the 21 days Max was alive. She never wanted Max to be hospitalised in other places but to be treated at home.
It is OK to seek other opinions but conflicting drugs just would not help Max. Vet 1 was aware of my treatment as I recorded the drugs in a book in the house for the owner and I knew she would get other vets to help her. It would be in the interest of Max to be given written records so that other vets would know what was happening. Of course, my vet assistant did not connect my purpose of recording my treatment as I did not explain to him the rationale. He was an extra-ordinary Vet Technician who really loved veterinary medicine and surgery passionately. He was very unhappy with the behaviour of the owner and wanted me to abort the case. Such are the realities of life of Singapore owners seeking various outside opinions and internet information. I did not lose sleep over this behaviour as no person can know everything. However, in the final 3 days before Max died, the lady asked me to go to Max's room and informed me of the treatments given by Vet 1.
I gave I/V drips, antibiotics, anti-fever and ensure that urine catheterisations were properly done. Max would pulling off the drip set. He just would not get up to eat and his fever would return again and again when the anti-fever medication dose was ineffective.
On the 7th day, the owner rushed home from work as Max had collapsed. I was called and rushed to see him after my MRI scan for my left hand tissue growth at the Singapore General Hospital. That was why I remembered this date. The owner took out her sceptre and paraphernalia to administer the last rites. I left the bedroom where Max looked like he was in his last breath dying to give the lady privacy to administer her rites.
But Max still lived on after another IV drip. Another 4 days later, Max was well enough to walk to the garden to pee as he had not walked much except to the nearby bathroom. The lady was extremely happy. She stood up from the dining table and hugged me with grateful thanks. Was there light at the end of the tunnel? Sadly, no. Max did not stand up after that and his fever raged on like a bush wildfire out of control and flamed by strong winds.
Were there other vets or specialists in Singapore to treat Max in the house? I don't now as the owner did her own arrangements. By the 18th day, Max started to vomit. He vomited more and collapsed. His fever was uncontrollable. He passed away on the 21st day overnight. I had left the house that night and had a premonition that it was Max's last night. Grieving had to be in private and I left the lady alone.
I sent my condolences via text message after 2 days as my assistant told me that Max had passed away. The owner messaged back to thank me and say that Max received a good sign from Heaven on his day of death. I could not figure out what she meant and did not ask further as I was no longer the family vet. That was 4 months ago.
2 days ago, I met one family member and enquired what happened. On performing the last rites prior to cremation, Max was wrapped in a white cloth. "Blood appeared and stained the cloth red. Lots of blood appeared on Max's bedroom floor too. It is a good blessing from Heaven - the sceptre of blood," the family member told me.
I was no wiser as to what he mean. I know what a sceptre is. There are jade sceptres in Chinese religious beliefs but a sceptre of blood? What does it mean. I did not probe further. However I believed in his description as I had seen blood appearing out of thin air previously. As to the significance of this paranormal event, I don't know. It is incredible but true. The lady's business is booming even in the midst of recession. I believe she is prospering. She does not practise clairvoyance commercially. I leave it to the reader to provide their own interpretation of the paranormal phenomenon.
P.S. The flower is for Max. A very gentle Golden Retriever who always dashed to the front gate whenever I came for house-calls or visits. As a pup, he mouthed my shoes and hid them. Thereafter, I put my shoes high up during house-calls.
Friday, October 16, 2009
9. Helping a down-and-out man
Thurs Oct 15, 2009
Sweat drops beaded on his tanned forehead on this warm and humid night of Thursday, Oct 15, 2009. He had messaged to meet me at Central 99 opposite the Fire Station and I was now with him at 9 pm.
An old friend who is a novice realtor called Jenny had stressed him out and he would not want her to handle the HDB (Housing & Development Board) apartment sale anymore. He was Jenny's contact and Jenny should be the one handling his case. Jenny had lent him over $1,000 interest free to handle his case, despite my advice not to accept cases that used the realtor to borrow money. Such credit risky cases are invariably stressful and monies lent are usually not returned.
Town Council Legal Action
"You are fortunate that Jenny had found you a prospective buyer," I reminded him before he cursed my friend. In a rising property market, there were many interested buyers, but he was a bankrupt and prospective buyers and agents pounced on him like sharks attracted to a bloodied patch of sea. His first realtor (Agent 1) took 3 months and there a sale. That agent had a buyer who offered him $40,000 below valuation and he had been desperate enough to accept the offer and signed an option to purchase (OTP). However, the "buyer" at first gave him $100 as option fee instead of the usual $1,000 and that was later increased to $400. When a Seller showed he is in dire straits, the predators are many. I felt very sad for this professional engineer used to earn $10,000 a month was now down and out. Once an engineering project is over, the engineer is retrenched unless he gets another project for the boss.
I had agreed to meet him to see whether I could help. Jenny had written him off and cut losses. I knew in advance that he would want some loans and if I could be of help to a stranger in distress, I would do so. Such loans are considered gifts as there is no need to stress myself about payback. If I can't help him, I will tell him accordingly.
He was behind in his payment of Town Council conservancy fees for the last few months.
"The Town Council fees are $60.00 per month," I said. "How come you owe the Town Council over $3,000 just for non-payment of less than 12 months?" I asked the down-and-out man (DM).
"The Town Council charged me for their lawyer's fees to claim money from me," the man said. Without settling the amount, HDB would not permit the sale of his HDB apartment to proceed. He was supposed to pay the Town Council $100 per month. But he had more need of the $100 Jenny had given to him 3 weeks ago after assuring Jenny that he would pay the instalment himself as Jenny wanted to do it herself. He had abused the trust. Jenny had also paid for him $200 to save him from being jailed for not paying a NEA (National Environmental Agency) fine too. Being jailed for 1-2 weeks would jeopardise the sales process.
"My friends said I was stupid not to run away when the NEA officer caught me smoking in a non-smoking area," he said. He could easily outrun the NEA officer anytime. He had also lost his Identity Card and needed $300 to get a replacement. Without the card, it would be difficult to proceed with the sale. "I have a photocopy of my IC," he said. But that would not be acceptable. So, another $300 was loaned to him.
Jenny and I wondered what other fines or obstacles would surface again.
Utility Company Legal Action
He also owed Singapore Power some money and was now living without water and electricity in his HDB apartment. This could be paid out of the sales proceeds of his apartment by the Official Assignee (OA) if there is any balance left after the HDB and the Central Provident Fund (CPF) took their respective first and second claim of the monies. So, the $600 owed would not need to be paid for the sales to proceed.
Loan Sharks
In such cases where a person needs money desperately, loan sharks may have provided the Seller some loans at 20% per month. In a developed country like Singapore, loan sharks still flourish and thrive. They make their presence felt by spraying paint onto the door and scrawling "Owe $, Pay $". Sometimes, they padlocked the main gate of the door. The Seller said he did not have loans from loan sharks. This is one good reason not to handle such cases. How do I know whether had had loan sharks or not? Can I accept his word? For the last 3 months, Agent 1 had rented out his HDB apartment. If there were loan sharks hovering around, the tenants in his HDB apartment would be pestered. There were no such incidents.
Offical Assignee
A bankrupt is financially controlled by the Official Assignee (OA) in many ways. One of them is that he must have a letter of approval to sell the HDB flat from the OA. Without this letter, the HDB would not commence any sales action. To do that, he needed to show the OA that he had an OTP (Option To Purchase). Jenny got him an OTP and therefore he could do that. But what about the option money of $1,000? Should this money go to the OA? He needed the money to settle his Town Council (TC) fees which totalled to $3,000 to be paid in full. Would the HDB permit him to pay the TC from the sales proceeds? Would the TC agree? The TC definitely had not been part of the bankruptcy claim unlike the Utility Company. Therefore, the TC wants its ounce of flesh before he can proceed with the sale. That means he would have to find case to pay up the TC first. Who would want to help him?
A Caveat Was Lodged
When I thought that the TC was his main problem, I discovered that a caveat had been lodged by Agent 1's buyers and a Singapore Bank. Did he not return the option money of $400 to the buyers to cancel the sale? He said he had but the cancellation letter was with Agent 1. Why would the bank lodge such a caveat? "For opportunity lost," he said. Apparently, Agent 1's buyers had taken out a bank loan and therefore had to pay bank fees even though the loan was not taken up. This was "opportunity lost" and the Bank was the Caveator. The first buyers were the Caveatee.
One of the numerous rules of the HDB sales procedure is that the prospective buyer must have the home loan pre-approved before HDB commences sales action. So all buyers must incur bank charges to secure a loan once they pay an option money of $1,000 to secure the property for 14 days. If they don't exercise the option after 14 days, the Seller keeps the $1,000 payment. If they exercise the option, they pay $4,000. Before they exercise the Option to Purchase, they must show documentary proof to the HDB that they have secured a loan. If the sales process cannot be completed, the Buyer has to pay the bank 1.5% of the approved loan. If the loan is e.g. $300,000, the Buyer has to pay $4,500. Good money for the bank, thanks to this HDB policy. This practice is not mandatory in private property purchase and that should be the way as you can see from this example of what happens in the later part of my story.
Back to what was the Seller doing. He went to the address stated in the caveat. It was a non-existent address. So, what to do now? The lawyers of the Bank had apparently asked him to seek out the first Buyers. But he could not find them!
Agent 1 It would appear to the Seller that the caveat was lodged by Agent 1 to get money from him. I asked him how much Agent 1 wanted to remove the caveat. With a caveat, the sales cannot be completed although HDB can commence sales action. So how much Agent 1 wanted? Cash of 2% of the sales price in order to provide him the letter of cancellation. This was a lot of money even for a man in the street. And for a bankrupt, it was impossible. "I offer him 10% after completion of sales," the Seller told me. "Why should Agent 1 trust you?"
So now, there is this final obstacle. As you can see, it is extremely time consuming and stressful for Jenny to handle him. Many times he would not return the phone calls. Bankrupts and people owing money avoid returning phone calls and this is a common behaviour. One evening, Jenny and her husband had to scooter to Lor 7 in Geylang to locate him after he did not return phone calls regarding offers by prospective buyers. Later he told me he had no charger. Excuses? I don't know. Jenny's husband bought him a new phone and phone card and he was contactable.
Main gate of the door padlocked.
During the first week of marketing, Jenny discovered that a padlock was put onto his main door gate. Therefore she could not show the unit to prospective buyers. She phoned him and he said that his estranged wife had done it. He spoke to his wife who did not commit such actions again. It was really stressful for Jenny.
Forced sale by the HDB
Presently, the caveat problem had to be resolved and he had 9 days left. "Why don't you just let the HDB sell it?" I asked him as he had threatened to let the HDB do it if my agent was incompetent and could not find a buyer. We didn't have nice words from him despite helping him with loans. He even had no IC and $300 was loaned to him to get an IC letter. Without the IC letter, it would be difficult to sell.
Now the deadline to sell or be taken over by the HDB loomed close. He had already squandered 3 months with Agent 1 with no sales. Now the HDB would just sell his apartment at 90% of the valuation if he had no Option to Purchase. HDB does not open it to the market and do the selling. He now has a buyer at valuation. Therefore, he would lose a substantial amount of 10% which could be $40,000 since his valuation was $40,000. This was not a small sum to sniff at.
So many problems. Only a fool would handle this case. "The race horse is running," he said to me at 99 Central where he sipped a cup of Chinese tea while I drank 7 Up. "Jenny had whipped the horse hard and caused it to race wildly. Don't kill the horse while it is racing."
I was surprised that he used this analogy? I was a racehorse vet at the Singapore Turf Club for 8 years and knew what the effects of whipping would do to a horse. Jenny had given him the carrot and now the stick. He was stumbling. He would fall. Should I just abandon him and cut losses?
For humanitarian reasons, I put $300 into the ATM to clear his TC overdue instalments the next day. I don't expect any return of the money as I deem this case high risk.
"No, I will not give you the $300 to do it," I said to him at 99 Central as he asked me for a loan of $400 to help him out. $100 to survive the next few days and $300 to pay the TC as he would be imprisoned by the judge for default of payment to the TC. If the racehorse is boxed inside the racing stall, nothing could be done. He had only 9 days to go.
Friday, Oct 22, 2009
What is actually the main problem affecting the closing of this case? Jenny was so stressed out about losing her money that she could not focus on the main problem. Therefore I had to help. "The horse is still running," I said to Jenny. "It is not dead. You had punted by lending the Seller money and if the horse loses the race, you have no chance of getting your money back." I did not want to rub salt into the wound by saying "I told you so."
The Letter of Cancellation Of Sale.
The Caveat, not the unavailability of the Letter of Cancellation is the main problem. But the Seller seemed to have veered to the wrong track by looking for Agent 1 or the first Buyers. I could not contact him by handphone for 2 days. As to why he could not answer his handphone or respond to my text message promptly, I have no clue. Could he be incarcerated? I did not invade his privacy when he phoned me 2 days later to say he had sent a letter to the lawyer to remove the caveat. "Which lawyer?" I asked him. He said it was the HDB lawyer or something vague. He still could not locate the first Buyers nor get Agent 1 to give him the "letter of cancellation" of the first sale after returning $400 Option Money to the first Buyer. He said the letter was with Agent 1 and he did not have a copy. I gave him the benefit of the doubt. But there was something amiss. Something I could not lay my finger on.
Proactive
Time was running out for him as he had less than 7 days to get a clean title to his property. I asked him to fax to me what documents he had written to the lawyer in order to help him. Writing a letter and waiting for the lawyer to reply would not give him time. He was running out of time now.
Agent 1's legal department
I phoned Agent 1's firm 3 times. Every time, the person who answered would say that the firm's lawyers would call me back. They never bothered to. So I had to persevere and finally met the Head of the Legal Department. The lawyer who handled complaints was on sick leave today, Oct 23, 2009.
"Your Seller need to get a lawyer to lift the caveat," the Head, a lawyer, pointed out the relevant paragraph in the copy of the Caveat. He was kind enough to show me the "Grounds of Claim" in the Caveat stated that the Singapore bank had given a letter of offer to the first Buyer who had accepted the Letter of Offer. Therefore, the Bank had claim to this property.
"How can a bankrupt afford a lawyer?" I asked him. "Are there services of lawyers who help such bankrupts?" The Head did not know.
The Bank's lawyers
"I am only doing out of goodwill to meet you," the young lawyer repeated a few times while she read the copy of the caveat and referred to her file. "I act for the bank. Are you sure you are not the Seller?" The Seller had 3 names like what all Chinese. "Are you a Myanmar national?"
"No," I said. "I am trying to help this person." Why would anybody want to waste time to help a stranger? A stranger in need of help. The young lawyer probably could not understand. I must be the Seller in disguise. To make matters worst, I did not have any Toa Payoh Vets namecard in my wallet.
"I will try my best," the young lawyer repeated herself a few times and I wished she would not do that. But I was given free consultation and beggars could not be choosers. "I have written to the Bank immediately on receipt of the Seller's letter. Please remember that I act for the Bank." Her reminders that she does not act for me had been repeated ad nauseum politely.
"I will phone the Seller when I have some news," she said as she referred to her file. "Why did he wait so long?" she asked when I said that the Option to Purchase would expire around 3 days.
"Please phone me," I said. "The Seller sometimes don't answer his phone." The lawyer was puzzled as to why. I don't know why too and could not give an explanation. There was something fishy in this case. Did the first Buyer really give a Letter of Cancellation on return of the $400? I did not contact Agent 1, so I do not know. Time was really running out and the claws of the HDB would just grab the HDB and sell it off at 90% of the purchase price. This seems to be inevitable.
Sales can proceed but completion cannot be achieved.
"There are cases where the sales proceed for the time being," she told me. It is true that the HDB may permit sales to proceed if both parties agree.
"Not in this case," I said. "The 2nd Buyer will not exercise the OTP since he would have to pay another $4,000. If things don't work out, he loses $5,000."
Sweat drops beaded on his tanned forehead on this warm and humid night of Thursday, Oct 15, 2009. He had messaged to meet me at Central 99 opposite the Fire Station and I was now with him at 9 pm.
An old friend who is a novice realtor called Jenny had stressed him out and he would not want her to handle the HDB (Housing & Development Board) apartment sale anymore. He was Jenny's contact and Jenny should be the one handling his case. Jenny had lent him over $1,000 interest free to handle his case, despite my advice not to accept cases that used the realtor to borrow money. Such credit risky cases are invariably stressful and monies lent are usually not returned.
Town Council Legal Action
"You are fortunate that Jenny had found you a prospective buyer," I reminded him before he cursed my friend. In a rising property market, there were many interested buyers, but he was a bankrupt and prospective buyers and agents pounced on him like sharks attracted to a bloodied patch of sea. His first realtor (Agent 1) took 3 months and there a sale. That agent had a buyer who offered him $40,000 below valuation and he had been desperate enough to accept the offer and signed an option to purchase (OTP). However, the "buyer" at first gave him $100 as option fee instead of the usual $1,000 and that was later increased to $400. When a Seller showed he is in dire straits, the predators are many. I felt very sad for this professional engineer used to earn $10,000 a month was now down and out. Once an engineering project is over, the engineer is retrenched unless he gets another project for the boss.
I had agreed to meet him to see whether I could help. Jenny had written him off and cut losses. I knew in advance that he would want some loans and if I could be of help to a stranger in distress, I would do so. Such loans are considered gifts as there is no need to stress myself about payback. If I can't help him, I will tell him accordingly.
He was behind in his payment of Town Council conservancy fees for the last few months.
"The Town Council fees are $60.00 per month," I said. "How come you owe the Town Council over $3,000 just for non-payment of less than 12 months?" I asked the down-and-out man (DM).
"The Town Council charged me for their lawyer's fees to claim money from me," the man said. Without settling the amount, HDB would not permit the sale of his HDB apartment to proceed. He was supposed to pay the Town Council $100 per month. But he had more need of the $100 Jenny had given to him 3 weeks ago after assuring Jenny that he would pay the instalment himself as Jenny wanted to do it herself. He had abused the trust. Jenny had also paid for him $200 to save him from being jailed for not paying a NEA (National Environmental Agency) fine too. Being jailed for 1-2 weeks would jeopardise the sales process.
"My friends said I was stupid not to run away when the NEA officer caught me smoking in a non-smoking area," he said. He could easily outrun the NEA officer anytime. He had also lost his Identity Card and needed $300 to get a replacement. Without the card, it would be difficult to proceed with the sale. "I have a photocopy of my IC," he said. But that would not be acceptable. So, another $300 was loaned to him.
Jenny and I wondered what other fines or obstacles would surface again.
Utility Company Legal Action
He also owed Singapore Power some money and was now living without water and electricity in his HDB apartment. This could be paid out of the sales proceeds of his apartment by the Official Assignee (OA) if there is any balance left after the HDB and the Central Provident Fund (CPF) took their respective first and second claim of the monies. So, the $600 owed would not need to be paid for the sales to proceed.
Loan Sharks
In such cases where a person needs money desperately, loan sharks may have provided the Seller some loans at 20% per month. In a developed country like Singapore, loan sharks still flourish and thrive. They make their presence felt by spraying paint onto the door and scrawling "Owe $, Pay $". Sometimes, they padlocked the main gate of the door. The Seller said he did not have loans from loan sharks. This is one good reason not to handle such cases. How do I know whether had had loan sharks or not? Can I accept his word? For the last 3 months, Agent 1 had rented out his HDB apartment. If there were loan sharks hovering around, the tenants in his HDB apartment would be pestered. There were no such incidents.
Offical Assignee
A bankrupt is financially controlled by the Official Assignee (OA) in many ways. One of them is that he must have a letter of approval to sell the HDB flat from the OA. Without this letter, the HDB would not commence any sales action. To do that, he needed to show the OA that he had an OTP (Option To Purchase). Jenny got him an OTP and therefore he could do that. But what about the option money of $1,000? Should this money go to the OA? He needed the money to settle his Town Council (TC) fees which totalled to $3,000 to be paid in full. Would the HDB permit him to pay the TC from the sales proceeds? Would the TC agree? The TC definitely had not been part of the bankruptcy claim unlike the Utility Company. Therefore, the TC wants its ounce of flesh before he can proceed with the sale. That means he would have to find case to pay up the TC first. Who would want to help him?
A Caveat Was Lodged
When I thought that the TC was his main problem, I discovered that a caveat had been lodged by Agent 1's buyers and a Singapore Bank. Did he not return the option money of $400 to the buyers to cancel the sale? He said he had but the cancellation letter was with Agent 1. Why would the bank lodge such a caveat? "For opportunity lost," he said. Apparently, Agent 1's buyers had taken out a bank loan and therefore had to pay bank fees even though the loan was not taken up. This was "opportunity lost" and the Bank was the Caveator. The first buyers were the Caveatee.
One of the numerous rules of the HDB sales procedure is that the prospective buyer must have the home loan pre-approved before HDB commences sales action. So all buyers must incur bank charges to secure a loan once they pay an option money of $1,000 to secure the property for 14 days. If they don't exercise the option after 14 days, the Seller keeps the $1,000 payment. If they exercise the option, they pay $4,000. Before they exercise the Option to Purchase, they must show documentary proof to the HDB that they have secured a loan. If the sales process cannot be completed, the Buyer has to pay the bank 1.5% of the approved loan. If the loan is e.g. $300,000, the Buyer has to pay $4,500. Good money for the bank, thanks to this HDB policy. This practice is not mandatory in private property purchase and that should be the way as you can see from this example of what happens in the later part of my story.
Back to what was the Seller doing. He went to the address stated in the caveat. It was a non-existent address. So, what to do now? The lawyers of the Bank had apparently asked him to seek out the first Buyers. But he could not find them!
Agent 1 It would appear to the Seller that the caveat was lodged by Agent 1 to get money from him. I asked him how much Agent 1 wanted to remove the caveat. With a caveat, the sales cannot be completed although HDB can commence sales action. So how much Agent 1 wanted? Cash of 2% of the sales price in order to provide him the letter of cancellation. This was a lot of money even for a man in the street. And for a bankrupt, it was impossible. "I offer him 10% after completion of sales," the Seller told me. "Why should Agent 1 trust you?"
So now, there is this final obstacle. As you can see, it is extremely time consuming and stressful for Jenny to handle him. Many times he would not return the phone calls. Bankrupts and people owing money avoid returning phone calls and this is a common behaviour. One evening, Jenny and her husband had to scooter to Lor 7 in Geylang to locate him after he did not return phone calls regarding offers by prospective buyers. Later he told me he had no charger. Excuses? I don't know. Jenny's husband bought him a new phone and phone card and he was contactable.
Main gate of the door padlocked.
During the first week of marketing, Jenny discovered that a padlock was put onto his main door gate. Therefore she could not show the unit to prospective buyers. She phoned him and he said that his estranged wife had done it. He spoke to his wife who did not commit such actions again. It was really stressful for Jenny.
Forced sale by the HDB
Presently, the caveat problem had to be resolved and he had 9 days left. "Why don't you just let the HDB sell it?" I asked him as he had threatened to let the HDB do it if my agent was incompetent and could not find a buyer. We didn't have nice words from him despite helping him with loans. He even had no IC and $300 was loaned to him to get an IC letter. Without the IC letter, it would be difficult to sell.
Now the deadline to sell or be taken over by the HDB loomed close. He had already squandered 3 months with Agent 1 with no sales. Now the HDB would just sell his apartment at 90% of the valuation if he had no Option to Purchase. HDB does not open it to the market and do the selling. He now has a buyer at valuation. Therefore, he would lose a substantial amount of 10% which could be $40,000 since his valuation was $40,000. This was not a small sum to sniff at.
So many problems. Only a fool would handle this case. "The race horse is running," he said to me at 99 Central where he sipped a cup of Chinese tea while I drank 7 Up. "Jenny had whipped the horse hard and caused it to race wildly. Don't kill the horse while it is racing."
I was surprised that he used this analogy? I was a racehorse vet at the Singapore Turf Club for 8 years and knew what the effects of whipping would do to a horse. Jenny had given him the carrot and now the stick. He was stumbling. He would fall. Should I just abandon him and cut losses?
For humanitarian reasons, I put $300 into the ATM to clear his TC overdue instalments the next day. I don't expect any return of the money as I deem this case high risk.
"No, I will not give you the $300 to do it," I said to him at 99 Central as he asked me for a loan of $400 to help him out. $100 to survive the next few days and $300 to pay the TC as he would be imprisoned by the judge for default of payment to the TC. If the racehorse is boxed inside the racing stall, nothing could be done. He had only 9 days to go.
Friday, Oct 22, 2009
What is actually the main problem affecting the closing of this case? Jenny was so stressed out about losing her money that she could not focus on the main problem. Therefore I had to help. "The horse is still running," I said to Jenny. "It is not dead. You had punted by lending the Seller money and if the horse loses the race, you have no chance of getting your money back." I did not want to rub salt into the wound by saying "I told you so."
The Letter of Cancellation Of Sale.
The Caveat, not the unavailability of the Letter of Cancellation is the main problem. But the Seller seemed to have veered to the wrong track by looking for Agent 1 or the first Buyers. I could not contact him by handphone for 2 days. As to why he could not answer his handphone or respond to my text message promptly, I have no clue. Could he be incarcerated? I did not invade his privacy when he phoned me 2 days later to say he had sent a letter to the lawyer to remove the caveat. "Which lawyer?" I asked him. He said it was the HDB lawyer or something vague. He still could not locate the first Buyers nor get Agent 1 to give him the "letter of cancellation" of the first sale after returning $400 Option Money to the first Buyer. He said the letter was with Agent 1 and he did not have a copy. I gave him the benefit of the doubt. But there was something amiss. Something I could not lay my finger on.
Proactive
Time was running out for him as he had less than 7 days to get a clean title to his property. I asked him to fax to me what documents he had written to the lawyer in order to help him. Writing a letter and waiting for the lawyer to reply would not give him time. He was running out of time now.
Agent 1's legal department
I phoned Agent 1's firm 3 times. Every time, the person who answered would say that the firm's lawyers would call me back. They never bothered to. So I had to persevere and finally met the Head of the Legal Department. The lawyer who handled complaints was on sick leave today, Oct 23, 2009.
"Your Seller need to get a lawyer to lift the caveat," the Head, a lawyer, pointed out the relevant paragraph in the copy of the Caveat. He was kind enough to show me the "Grounds of Claim" in the Caveat stated that the Singapore bank had given a letter of offer to the first Buyer who had accepted the Letter of Offer. Therefore, the Bank had claim to this property.
"How can a bankrupt afford a lawyer?" I asked him. "Are there services of lawyers who help such bankrupts?" The Head did not know.
The Bank's lawyers
"I am only doing out of goodwill to meet you," the young lawyer repeated a few times while she read the copy of the caveat and referred to her file. "I act for the bank. Are you sure you are not the Seller?" The Seller had 3 names like what all Chinese. "Are you a Myanmar national?"
"No," I said. "I am trying to help this person." Why would anybody want to waste time to help a stranger? A stranger in need of help. The young lawyer probably could not understand. I must be the Seller in disguise. To make matters worst, I did not have any Toa Payoh Vets namecard in my wallet.
"I will try my best," the young lawyer repeated herself a few times and I wished she would not do that. But I was given free consultation and beggars could not be choosers. "I have written to the Bank immediately on receipt of the Seller's letter. Please remember that I act for the Bank." Her reminders that she does not act for me had been repeated ad nauseum politely.
"I will phone the Seller when I have some news," she said as she referred to her file. "Why did he wait so long?" she asked when I said that the Option to Purchase would expire around 3 days.
"Please phone me," I said. "The Seller sometimes don't answer his phone." The lawyer was puzzled as to why. I don't know why too and could not give an explanation. There was something fishy in this case. Did the first Buyer really give a Letter of Cancellation on return of the $400? I did not contact Agent 1, so I do not know. Time was really running out and the claws of the HDB would just grab the HDB and sell it off at 90% of the purchase price. This seems to be inevitable.
Sales can proceed but completion cannot be achieved.
"There are cases where the sales proceed for the time being," she told me. It is true that the HDB may permit sales to proceed if both parties agree.
"Not in this case," I said. "The 2nd Buyer will not exercise the OTP since he would have to pay another $4,000. If things don't work out, he loses $5,000."
Wednesday, September 16, 2009
8. Snake Spirit
"He slithered under the table, just like a snake," the pastor who sat in his office chair, lowered his back and wriggled. "This happened when he was possessed. I exorcised him and now he is a normal person, married." The pastor showed me his picture in a newspaper cutting. I could not believe that there is a snake spirit. Some 40 years ago, I used to watch Chinese kung-fu movies and at that time, the lady serpent spirit was a common character.
Another exorcism which took 10 days and 10 men, if I recall correctly had 3 spirits possessing this man. One was the black God warrior in Chinese belief. "A bomoh was obstructing my excorism," the pastor explained why it took so long to do his job.
I met the pastor on Sep 16, 2009 in Singapore, being introduced by Tom, the general trader who had an appointment to see him. I was free during lunch time and drove Tom to meet him and to ask the pastor whether he had experiences of the paranormal happenings like blood spots appearing out of thin air.
"It is spiritual warfare," the pastor explained the phenomenon. "Spirits can also be good ones." The pastor had no personal sightings but such events are possible and cannot be scientifically explained.
Another exorcism which took 10 days and 10 men, if I recall correctly had 3 spirits possessing this man. One was the black God warrior in Chinese belief. "A bomoh was obstructing my excorism," the pastor explained why it took so long to do his job.
I met the pastor on Sep 16, 2009 in Singapore, being introduced by Tom, the general trader who had an appointment to see him. I was free during lunch time and drove Tom to meet him and to ask the pastor whether he had experiences of the paranormal happenings like blood spots appearing out of thin air.
"It is spiritual warfare," the pastor explained the phenomenon. "Spirits can also be good ones." The pastor had no personal sightings but such events are possible and cannot be scientifically explained.
Wednesday, September 9, 2009
7. Three Mynamar Elephant Tales - Part 2
I summarise the 3 elephant stories and other side stories as narrated by the General Trader (GT) from Myanmar during my dinner invitation to him and BMW (Black Magic Woman) last Saturday at Dempsey Hills. How the elephant stories came about could be due to my asking him about his encounter with Myanmar elephants. I observed he was wearing a shirt full of small blue and white paired elephants and used this to break the ice to connect with him. Otherwise it would be one of those boring dinner encounters such as those at Chinese weddings.
"You are a good story teller," I had said to this soft-spoken man in his 40s. He replied, "These were real events, not stories." The stories are as follows:
1. THE MALE ELEPHANT WET BEHIND HIS EARS & THE SINGAPOREAN
The Singaporean businessman won a tender to supply fire-proof doors to the HDB (Housing Development Board) and asked the GT if he could source the wood from Myanmar. "I will take you to the jungles to inspect what you want if you pay for me expenses," GT said. It was getting dark at 5pm but the Singaporean was still busy marking out the tree logs he wanted to purchase. He could not be hurried. Tall jungle trees - much taller than any you would see at the Singapore Zoo, cast deep shadows. It was very dark now as the GT, the Singaporean, the Seller and the driver walked toward the truck. A full moon cast its light through the trees, providing some light.
Suddenly, they walked into the path of a large male elephant flapping his ears. Staring at the human.
"There is a male elephant released in the jungle because he had water dripping out behind his ears," the driver said. "When the male elephant is wet behind the years, he will not work and is very temperamental. So, he is excused from work and left to wander in the jungle to look for a mate. This is the one."
The elephant erected his ears and swung his trunk. He lifted his massive left foreleg. What to do now? The GT ran fast in one direction while the other 3 men fled together in another path.
Who should the elephant attack for invading hid privacy? 3 men or one lone GT? "I ran for my life," GT recounted. "The elephant was running faster and gaining on me. Luckily it was a full moon and the moonlight lit the way for me to escape from death."
"Did you run zig-zag or in a straight line?" I asked.
"I just ran and climbed up a tree!" GT said. "The elephant hit the tree a few times to dislodge me. I held on."
"Are you supposed to stand still when you encounter an elephant?" I asked.
"That was what my grandmother taught me," GT said. But which normal man would do that in this encounter of a raging male elephant in heat. Definitely, standing your ground opposite a wild elephant is suicidal.
"What happened next?" BMZ asked.
"The elephant left," GT said. "The others came. I found that it was extremely difficult to climb down the tree." Adrenalin, the fear-flight hormone in his blood enabled him to climb high up. After the danger was over, GT had great difficulty coming down.
The Singaporean was safe. As we don't encounter wild animals in this sterile city, I doubt that the Singaporean would have the experience or fitness to survive but I stand corrected as I had not met him. The GT met him in Singapore again and recounted the episode. He told us in laughter, "Well, his wife now permanently bans him from going to Myanmar!"
Life as a general trader of commodities is really risky personally compared to a dog and cat vet. This is not the first time that the GT nearly got gored to death by an elephant. Another encounter with a female elephant and calf in Story No. 2 made him crash 8,000 feet down a ravine. He lived to tell his tale! He must have a guardian angel. But do you believe in guardian angels? I do. It was not just pure luck to survive in such a situation.
Elephant Story No. 2 will continue later.
"You are a good story teller," I had said to this soft-spoken man in his 40s. He replied, "These were real events, not stories." The stories are as follows:
1. THE MALE ELEPHANT WET BEHIND HIS EARS & THE SINGAPOREAN
The Singaporean businessman won a tender to supply fire-proof doors to the HDB (Housing Development Board) and asked the GT if he could source the wood from Myanmar. "I will take you to the jungles to inspect what you want if you pay for me expenses," GT said. It was getting dark at 5pm but the Singaporean was still busy marking out the tree logs he wanted to purchase. He could not be hurried. Tall jungle trees - much taller than any you would see at the Singapore Zoo, cast deep shadows. It was very dark now as the GT, the Singaporean, the Seller and the driver walked toward the truck. A full moon cast its light through the trees, providing some light.
Suddenly, they walked into the path of a large male elephant flapping his ears. Staring at the human.
"There is a male elephant released in the jungle because he had water dripping out behind his ears," the driver said. "When the male elephant is wet behind the years, he will not work and is very temperamental. So, he is excused from work and left to wander in the jungle to look for a mate. This is the one."
The elephant erected his ears and swung his trunk. He lifted his massive left foreleg. What to do now? The GT ran fast in one direction while the other 3 men fled together in another path.
Who should the elephant attack for invading hid privacy? 3 men or one lone GT? "I ran for my life," GT recounted. "The elephant was running faster and gaining on me. Luckily it was a full moon and the moonlight lit the way for me to escape from death."
"Did you run zig-zag or in a straight line?" I asked.
"I just ran and climbed up a tree!" GT said. "The elephant hit the tree a few times to dislodge me. I held on."
"Are you supposed to stand still when you encounter an elephant?" I asked.
"That was what my grandmother taught me," GT said. But which normal man would do that in this encounter of a raging male elephant in heat. Definitely, standing your ground opposite a wild elephant is suicidal.
"What happened next?" BMZ asked.
"The elephant left," GT said. "The others came. I found that it was extremely difficult to climb down the tree." Adrenalin, the fear-flight hormone in his blood enabled him to climb high up. After the danger was over, GT had great difficulty coming down.
The Singaporean was safe. As we don't encounter wild animals in this sterile city, I doubt that the Singaporean would have the experience or fitness to survive but I stand corrected as I had not met him. The GT met him in Singapore again and recounted the episode. He told us in laughter, "Well, his wife now permanently bans him from going to Myanmar!"
Life as a general trader of commodities is really risky personally compared to a dog and cat vet. This is not the first time that the GT nearly got gored to death by an elephant. Another encounter with a female elephant and calf in Story No. 2 made him crash 8,000 feet down a ravine. He lived to tell his tale! He must have a guardian angel. But do you believe in guardian angels? I do. It was not just pure luck to survive in such a situation.
Elephant Story No. 2 will continue later.
Saturday, September 5, 2009
6. Three Myanmar Elephant Tales
Saturday, Sep 5, 2009, 6pm Dempsey Hills, Singapore
THREE MYANMAR ELEPHANT TALES - PART 1
Black Magic Woman (BMW) who had arranged a meeting with the general trader (GT) from Myannmar sat opposite me in the alfresco corner of this Italian Restaurant said, "Do you notice that each dining tables here display a yellow rose?"
"Yes," I gazed at the long row of dining tables, each having a yellow rose in a cup prominently positioned in the middle of the snow white table cloth. "What's the significance?"
"Giving yellow roses mean that you want to break up your relationship with your girlfriend. Red roses mean you love her. Men will not know such matters."
Were the yellow roses eliciting unhappy memories for BMW who was in the generation where relationships were fragile as glass and where divorces amongst her circle of friends were common? Such that she was not interested in ordering dinner?
"There is a waiter who kept staring at me," she announced when GT asked whether she would order her food. My back was to the waiter while she was seated opposite me at this corner. "Do you notice that?" BMZ asked the GT who was her old friend. The GT nodded.
Visual harassment can be quite distressing. "Let's go elsewhere," I consoled BMW. "Be glad that you are not a wall flower. You must have animal magnetism. Maybe you reminded the waiter of his long lost love in India. Many Singapore women would want to trade places with you."
"I am a Muslim, not an Indian," BMW corrected me vehemently. No alcohol drinks for her as she practised the Ramadan fasting and cleansing of the body through one month of alcoholic abstinence. I kept the peace and said nothing as this would inflame the tensions of racism encountered by BMW in her work. From what I read in her body language, BMW just wanted me to get down to business with the GT within an hour and we would all go home after her introduction.
Business quotations took only 10 minutes. GT quoted for 25% broken rice and terms and conditions for export. Building a relationship of trust with the busy GT whom I met for the second time needed more time, but BMW was not in a good mood for dinner and small talk.
"How about Jumbo Seafood Restaurant?" I asked BMW who was not too keen on a Mexican Restaurant. "OK," she agreed.
As GT had a sprained back (leapt upon by his 7-year-old daughter) and was wearing a corset after some treatment by an acupuncturist, I tried getting him a low seat with back rest. The waitress apologised: "Only high chairs at the corner are available." GT should be resting at home if he was an employee but he could not waste time in Singapore as he had business dealings. He climbed up onto the high and narrow chairs in some pain and great difficulty. I shifted one more chair for him to sit as he seemed to have also put on weight. "How come you put on so much weight?" BMW had enquired. "I ate 8 meals a day at home. When I woke up at 5 am. Then I ate breakfast with my daughter. Lunch, dinner and supper. Tea with friends."
To be continued in Part 2
THREE MYANMAR ELEPHANT TALES - PART 1
Black Magic Woman (BMW) who had arranged a meeting with the general trader (GT) from Myannmar sat opposite me in the alfresco corner of this Italian Restaurant said, "Do you notice that each dining tables here display a yellow rose?"
"Yes," I gazed at the long row of dining tables, each having a yellow rose in a cup prominently positioned in the middle of the snow white table cloth. "What's the significance?"
"Giving yellow roses mean that you want to break up your relationship with your girlfriend. Red roses mean you love her. Men will not know such matters."
Were the yellow roses eliciting unhappy memories for BMW who was in the generation where relationships were fragile as glass and where divorces amongst her circle of friends were common? Such that she was not interested in ordering dinner?
"There is a waiter who kept staring at me," she announced when GT asked whether she would order her food. My back was to the waiter while she was seated opposite me at this corner. "Do you notice that?" BMZ asked the GT who was her old friend. The GT nodded.
Visual harassment can be quite distressing. "Let's go elsewhere," I consoled BMW. "Be glad that you are not a wall flower. You must have animal magnetism. Maybe you reminded the waiter of his long lost love in India. Many Singapore women would want to trade places with you."
"I am a Muslim, not an Indian," BMW corrected me vehemently. No alcohol drinks for her as she practised the Ramadan fasting and cleansing of the body through one month of alcoholic abstinence. I kept the peace and said nothing as this would inflame the tensions of racism encountered by BMW in her work. From what I read in her body language, BMW just wanted me to get down to business with the GT within an hour and we would all go home after her introduction.
Business quotations took only 10 minutes. GT quoted for 25% broken rice and terms and conditions for export. Building a relationship of trust with the busy GT whom I met for the second time needed more time, but BMW was not in a good mood for dinner and small talk.
"How about Jumbo Seafood Restaurant?" I asked BMW who was not too keen on a Mexican Restaurant. "OK," she agreed.
As GT had a sprained back (leapt upon by his 7-year-old daughter) and was wearing a corset after some treatment by an acupuncturist, I tried getting him a low seat with back rest. The waitress apologised: "Only high chairs at the corner are available." GT should be resting at home if he was an employee but he could not waste time in Singapore as he had business dealings. He climbed up onto the high and narrow chairs in some pain and great difficulty. I shifted one more chair for him to sit as he seemed to have also put on weight. "How come you put on so much weight?" BMW had enquired. "I ate 8 meals a day at home. When I woke up at 5 am. Then I ate breakfast with my daughter. Lunch, dinner and supper. Tea with friends."
To be continued in Part 2
Tuesday, August 25, 2009
5. A travelling fortune teller
"He could have done research on you before going to your office," I was sceptical that the travelling fortune teller (FT) could get 100% success from Tom, a 55-year-old gentleman who had seen all kinds of characters in his work as a general trader of 20 years. He had made fortunes and lost money. Con men and women populate his world of dealing and wheeling.
I was at Lot 1, McDonald's with Tom and Mrs Aung for a meeting with Richard, an old friend of Tom and a general trader with considerable experience of 30 years. Mrs Aung wanted to be a general trader too but she was a baby compared to these two and had not been successful in closing one commodity deal for over 24 months. I had known her for over 10 years as she was a vet graduated from Myanmar and had worked as a vet technician for other vets in Singapore. She gave up on veterinary work. No big bucks. No big commissions from one multi-million-dollar deals.
I advised her to network with experienced general traders. She was worried that they would by-pass her and played her out. "Getting played out or cheated is part and parcel of doing business," I always said to Mrs Aung. "Just be an employee if you worry." There was no going back for her as she wanted to be free from the chains of employment.
Learn from experienced traders. No books can teach you about the scams and back stabbing of businesses.
As for me, I was interested in what unusual phenomenon such men of the world had encountered. This evening, Tom told us his encounter with the FT. The FT asked him to accept 4 pieces of folded paper with words already written by the FT, separately in Tom's palms. Tom would answer 4 questions about his favorite colour, bird, flower and the 4-digit lottery number he bought last week. The FT would blow air onto Tom's palm. Tom would unroll the paper to read the answers.
Tom said "My answers of blue, parrot, rose and 8813 were what I said. The words were in the paper!"
What a cock-and-bull story I thought.
I kept an open mind.
"I hate parrots!" Tom said. "The FT must have a spirit who manipulated my mind to say 'parrot'". Except for 8813, Tom's mind was manipulated to say "blue" and "rose".
We had no comment.
What a tall tale, I would say if I did not know that Tom is a credible person. I remembered to ask one very important question. "Did the FT give you a 4-digit number to buy?" I don't buy 4-D at all as the handful occasions I did made me lose money. But no harm asking for the number. Tom had stopped recounting. I guessed the other 2 would not care 2 hoots about 4-D but my aged receptionist James do buy 4-Ds regularly. So I thought Tom would share the FT's predicted number. I could ask James to put a $2.00 bet for me.
"Sorry," Tom said. "The FT told me not to reveal the number to anyone." I usually don't give the time of day to travelling FTs. I will follow up on Tom's 4-D outcome. What an incredible story.
FOLLOW UP
The 4-Digit number failed Tom. "Well, Richard had said that the FT gave 20 people 4-D numbers and if one got lucky, the FT would visit him to claim some share."
I was at Lot 1, McDonald's with Tom and Mrs Aung for a meeting with Richard, an old friend of Tom and a general trader with considerable experience of 30 years. Mrs Aung wanted to be a general trader too but she was a baby compared to these two and had not been successful in closing one commodity deal for over 24 months. I had known her for over 10 years as she was a vet graduated from Myanmar and had worked as a vet technician for other vets in Singapore. She gave up on veterinary work. No big bucks. No big commissions from one multi-million-dollar deals.
I advised her to network with experienced general traders. She was worried that they would by-pass her and played her out. "Getting played out or cheated is part and parcel of doing business," I always said to Mrs Aung. "Just be an employee if you worry." There was no going back for her as she wanted to be free from the chains of employment.
Learn from experienced traders. No books can teach you about the scams and back stabbing of businesses.
As for me, I was interested in what unusual phenomenon such men of the world had encountered. This evening, Tom told us his encounter with the FT. The FT asked him to accept 4 pieces of folded paper with words already written by the FT, separately in Tom's palms. Tom would answer 4 questions about his favorite colour, bird, flower and the 4-digit lottery number he bought last week. The FT would blow air onto Tom's palm. Tom would unroll the paper to read the answers.
Tom said "My answers of blue, parrot, rose and 8813 were what I said. The words were in the paper!"
What a cock-and-bull story I thought.
I kept an open mind.
"I hate parrots!" Tom said. "The FT must have a spirit who manipulated my mind to say 'parrot'". Except for 8813, Tom's mind was manipulated to say "blue" and "rose".
We had no comment.
What a tall tale, I would say if I did not know that Tom is a credible person. I remembered to ask one very important question. "Did the FT give you a 4-digit number to buy?" I don't buy 4-D at all as the handful occasions I did made me lose money. But no harm asking for the number. Tom had stopped recounting. I guessed the other 2 would not care 2 hoots about 4-D but my aged receptionist James do buy 4-Ds regularly. So I thought Tom would share the FT's predicted number. I could ask James to put a $2.00 bet for me.
"Sorry," Tom said. "The FT told me not to reveal the number to anyone." I usually don't give the time of day to travelling FTs. I will follow up on Tom's 4-D outcome. What an incredible story.
FOLLOW UP
The 4-Digit number failed Tom. "Well, Richard had said that the FT gave 20 people 4-D numbers and if one got lucky, the FT would visit him to claim some share."
Monday, August 17, 2009
4. Black Magic Woman (BMW)
"I believe you," the slim petite lady with big eyes lit up like sparklers as she sipped her Spinelli coffee at Novena Shopping Centre while I bit the packet of white sugar to open it and to pour it into my cup of tea with my good right hand. My left hand's index finger, middle finger and 4th finger of my left hand were swollen and numb and could not grip. I am typing this article sparing my left index finger which was just numb and had great difficulty flexing to type.
Out of the blue, she had phoned me to meet over coffee. Prof Foo Chee Liam of Singapore General Hospital had just got the nurse to remove my hand stitches today - the 6th day after his excellent surgery and had given me the good news that the growth affecting my median nerve was not malignant. As I was available, I was able to meet this marketing lady who drove to the hospital to drive me to have coffee. It is good to share some marketing ideas of her industry. She had stood me up one Saturday afternoon when she arranged a meeting in Emerald Hill but I don't bear grudges. Why would she call me? Some months ago, I had phoned her to meet over coffee to brainstorm about her industry but she had no time.
I will call her the Black Magic Woman (BMW). What did a seasoned marketer in her late 30s believe? Well, I mentioned about my paranormal experience with the layout of the logo of one of my clients and she did not think I was nutty. I had written about this in another article. See:
http://incrediblebuttruestories.blogspot.com/2008/05/1-helping-to-design-logo.html
"I believe you," BMW looked at me after a pause. A bit of shock had overwhelmed her. She stated: "It is black magic. My dad had his bedsheet edges stained with blood for some time. Somebody had cast black magic on him as the appearance of blood came after moving to a new home."
"What makes you think it is black magic?" I enquired. "Did he harm somebody?"
"No," she said. "He did retrench a group of (non-Chinese) earlier. They must have used black magic at him. One day, he saw a red hibiscus flower inside his drawer. He phoned up this respected writer who advised him not to touch it. Otherwise he would die. This man wrote a book called Black Magic in which this incident was recorded. This author was a planner and had an interest in the paranormal."
"So, did your dad touch the hibiscus or not?" I imagined the worst fate. Dying after touching a red flower in the drawer.
"Dad had already thrown it away. Then he contacted this writer."
"Is your dad still alive?" I asked.
"Yes," BMW said and phoned her dad for the name of the author. Dad could not recall. 5 minutes later, he phoned her and gave her the name.
Now, I presumed that the incidents were recent. BMW was in her late 30s. "Did you see the blood stained bed sheets?" I enquired. Seeing is believing for non-believers.
"No," BMW said. "The incident happened before I was born! Dad and mum do not want to talk about such matters."
"In case people think that they had gone nutty?" I had to ask. She nodded.
"If your parents don't talk, how do you know about such occurrences? When did you find out?"
"When I was 7 years old," BMW said. "My parents thought I was asleep and talked about the incident with close friends. I listened behind my bedroom doors." I was surprised. She said, "Also at another time, when I was 20 years old."
That meant the paranormal claims of her parents happened more than 40 years ago. Blood appearing from thin air just is not scientifically possible to the ordinary person although in Star Trek movies, people can dissolved and beamed in and out of Starship Enterprise. It was pure science fiction. It must be black magic. That was what BMW concluded. I don't agree but I have no rational scientific explanation for you, the reader.
This is now the age of the internet. I googled "S Danaraj" who was said to be the author of "Black Magic" book. The Singapore National Library's Lee Kong Chian Reference Library really has his book, published in c1964. The book is "Mysticism in Malaya" by A G S Danaraj. The subject is under "occultism - Malaya".
It is quite painful to type this incredible encounter with BMW since I had one hand just operated upon, but I will forget what transpired if I do not record this matter at 3.05am, Tuesday, Aug 18, 2009. My experience was not really in the realm of black magic since I was just giving advice on logo design. Still seeing droplets of blood materialising on tables, body and papers are incredible and rarely encountered by the average person.
Out of the blue, she had phoned me to meet over coffee. Prof Foo Chee Liam of Singapore General Hospital had just got the nurse to remove my hand stitches today - the 6th day after his excellent surgery and had given me the good news that the growth affecting my median nerve was not malignant. As I was available, I was able to meet this marketing lady who drove to the hospital to drive me to have coffee. It is good to share some marketing ideas of her industry. She had stood me up one Saturday afternoon when she arranged a meeting in Emerald Hill but I don't bear grudges. Why would she call me? Some months ago, I had phoned her to meet over coffee to brainstorm about her industry but she had no time.
I will call her the Black Magic Woman (BMW). What did a seasoned marketer in her late 30s believe? Well, I mentioned about my paranormal experience with the layout of the logo of one of my clients and she did not think I was nutty. I had written about this in another article. See:
http://incrediblebuttruestories.blogspot.com/2008/05/1-helping-to-design-logo.html
"I believe you," BMW looked at me after a pause. A bit of shock had overwhelmed her. She stated: "It is black magic. My dad had his bedsheet edges stained with blood for some time. Somebody had cast black magic on him as the appearance of blood came after moving to a new home."
"What makes you think it is black magic?" I enquired. "Did he harm somebody?"
"No," she said. "He did retrench a group of (non-Chinese) earlier. They must have used black magic at him. One day, he saw a red hibiscus flower inside his drawer. He phoned up this respected writer who advised him not to touch it. Otherwise he would die. This man wrote a book called Black Magic in which this incident was recorded. This author was a planner and had an interest in the paranormal."
"So, did your dad touch the hibiscus or not?" I imagined the worst fate. Dying after touching a red flower in the drawer.
"Dad had already thrown it away. Then he contacted this writer."
"Is your dad still alive?" I asked.
"Yes," BMW said and phoned her dad for the name of the author. Dad could not recall. 5 minutes later, he phoned her and gave her the name.
Now, I presumed that the incidents were recent. BMW was in her late 30s. "Did you see the blood stained bed sheets?" I enquired. Seeing is believing for non-believers.
"No," BMW said. "The incident happened before I was born! Dad and mum do not want to talk about such matters."
"In case people think that they had gone nutty?" I had to ask. She nodded.
"If your parents don't talk, how do you know about such occurrences? When did you find out?"
"When I was 7 years old," BMW said. "My parents thought I was asleep and talked about the incident with close friends. I listened behind my bedroom doors." I was surprised. She said, "Also at another time, when I was 20 years old."
That meant the paranormal claims of her parents happened more than 40 years ago. Blood appearing from thin air just is not scientifically possible to the ordinary person although in Star Trek movies, people can dissolved and beamed in and out of Starship Enterprise. It was pure science fiction. It must be black magic. That was what BMW concluded. I don't agree but I have no rational scientific explanation for you, the reader.
This is now the age of the internet. I googled "S Danaraj" who was said to be the author of "Black Magic" book. The Singapore National Library's Lee Kong Chian Reference Library really has his book, published in c1964. The book is "Mysticism in Malaya" by A G S Danaraj. The subject is under "occultism - Malaya".
It is quite painful to type this incredible encounter with BMW since I had one hand just operated upon, but I will forget what transpired if I do not record this matter at 3.05am, Tuesday, Aug 18, 2009. My experience was not really in the realm of black magic since I was just giving advice on logo design. Still seeing droplets of blood materialising on tables, body and papers are incredible and rarely encountered by the average person.
Tuesday, June 2, 2009
The IT consultant who "runs away". Was he a scam man?
"U want police to see u today? Dr Sing" I messaged the IT consultant at 1.15 pm on this sunny day, Tuesday Jun 2, 2009. For at least 3 weeks, my receptionist and I phoned him using my two office phones and my mobile phones. He would not answer the phone. As if he was a scam man who had got what he wanted and acted like one who now ignore the phone calls of an unrequited lover.
Well, he had collected money from me to buy the hardware and accounting software. He had said that he would train my staff every day till they learnt how to use the software.
Mr Yip, a printer was in my office to let me know the quotations of a magazine. I told him my problem of the IT consultant.
"He had run away and would not answer my phone calls for the last few weeks," I sought Mr Yip's advice as I sometimes do on personnel and office matters. Mr Yip is a quite a helpful person. A a successful printer, he thrived while many of his peers had closed shop. They became his non-paying "salesmen", outsourcing their work to him and he gave them their commission for the referral.
"Why don't you go to his office? Where is it?" Mr Yip asked.
"In International Plaza. It is a serviced office," I said. "So, probably he would not be there."
"You should not do business with an IT consultant who has a serviced office", Mr Yip gave this excellent advice. "You should pay for good quality IT consultants who will do a good job." If I could afford it, I would. My philosophy is also to help those small firms by giving them my small business and this IT consultant had faxed me (mass fax) one day and I contacted him. As for the high quality IT consultants, they had their hands full and would not be interested in my custom. Nor could I afford them.
"Well," I said, "I had seen his testimonials of small companies whom he had executed computerisation done work for after getting the grants for them from Spring Singapore. He had proposed to get a grant for me from Spring Singapore. We were in the middle of the work. However, he just would not return my phone calls."
This is an incredible story. Why would a self-employed IT consultant not return phone calls when his business growth depends on good services and referrals? Had he gone bankrupt? Or had he disappeared like the rogue lawyers of Singapore? Was he conducting a scam? Just for a few hundred dollars from me? And several others?
"You can go to Spring Singapore to lodge a complaint against him," Mr Yip suggested.
"Yes, I can do that." I said. But how do I resolve my problem? This IT consultant had not handed me the CD of the software. The trial of this software would end in 12 days' time.
"Please use your phone to contact him," I asked Mr Yip who is an excellent salesman as well. He dialed. The IT consultant answered the phone promptly. So, he was not dead and was still in business. Mr Yip handed his phone for me to answer. As I did not want to implicate Mr Yip in this incredible story, I declined. Mr Yip asked the IT consultant to meet at the consultant's office to buy computers. The consultant replied that he would call back. I thanked Mr Yip for his help and went out for lunch.
So, this IT consultant was alive and kicking. Why the odd behaviour of not returning my phone calls? To find out what is the problem? To resolve the problem in an amicable manner. Obviously there must be some problems. It was the problem of training my staff to use the computer and he had no time for them.
Now, he was not your average young man. Impulsive and hot-tempered. He was in his forties. A soft-spoken man and we had never exchanged angry words. He came for two days to train my staff on how to use the MYOB accounting software. However, my staff could not use it. So, he abandoned the Titanic. After all, I had paid for the necessary new computers and software.
Is this the right thing to do? "No business man is totally honest and upfront," Juliet, a senior manager in a statutory board said when I told her my problem. "You are not proactive. So, this thing happens." In other words, I had inertia. I should have a set of procedures to handle him but then I was not into project management like Juliet who had backing of support staff in the tender for computerisation.
Over 15 minutes during lunch-time I dial the IT consultant. I dialed and re-dialed. He just would not answer my phone. If he was busy, he could have returned calls during the past week. Or text-messaged me that he would be coming to my office. That was what he did last time although once he failed to turn up. This was an odd behaviour from a fully grown up man. So was he a scam man?
Yet his phone number was still active. I could go to a public phone and call him and he would have no choice but to answer. So, why should he behave like a fugitive?
At 1.15pm, I thought of the solution. To text-message him.
"U want police to see u today? Dr Sing" . No response for 5 minutes. In 20 minutes, I would walk to the Toa Payoh Police Station and lodge a report for cheating. The IT man had not handed over the CDs and I could not use the MYOB software in 12 days' time.
15 minutes after my SMS, the IT consultant texted that he would be coming to see me. Within 30 minutes, he was at my office.
It is just so sad that I needed to drop the name of "police" to get him to provide service. "I had been busy," he explained and said that he would be in my surgery every day till my staff is trained to use the software. I had my doubts. He said he had left the CDs in my office. But we could not find them. "There was no proper handing over," I said to the IT consultant. This is just a sad but incredible story that is not over.
Well, he had collected money from me to buy the hardware and accounting software. He had said that he would train my staff every day till they learnt how to use the software.
Mr Yip, a printer was in my office to let me know the quotations of a magazine. I told him my problem of the IT consultant.
"He had run away and would not answer my phone calls for the last few weeks," I sought Mr Yip's advice as I sometimes do on personnel and office matters. Mr Yip is a quite a helpful person. A a successful printer, he thrived while many of his peers had closed shop. They became his non-paying "salesmen", outsourcing their work to him and he gave them their commission for the referral.
"Why don't you go to his office? Where is it?" Mr Yip asked.
"In International Plaza. It is a serviced office," I said. "So, probably he would not be there."
"You should not do business with an IT consultant who has a serviced office", Mr Yip gave this excellent advice. "You should pay for good quality IT consultants who will do a good job." If I could afford it, I would. My philosophy is also to help those small firms by giving them my small business and this IT consultant had faxed me (mass fax) one day and I contacted him. As for the high quality IT consultants, they had their hands full and would not be interested in my custom. Nor could I afford them.
"Well," I said, "I had seen his testimonials of small companies whom he had executed computerisation done work for after getting the grants for them from Spring Singapore. He had proposed to get a grant for me from Spring Singapore. We were in the middle of the work. However, he just would not return my phone calls."
This is an incredible story. Why would a self-employed IT consultant not return phone calls when his business growth depends on good services and referrals? Had he gone bankrupt? Or had he disappeared like the rogue lawyers of Singapore? Was he conducting a scam? Just for a few hundred dollars from me? And several others?
"You can go to Spring Singapore to lodge a complaint against him," Mr Yip suggested.
"Yes, I can do that." I said. But how do I resolve my problem? This IT consultant had not handed me the CD of the software. The trial of this software would end in 12 days' time.
"Please use your phone to contact him," I asked Mr Yip who is an excellent salesman as well. He dialed. The IT consultant answered the phone promptly. So, he was not dead and was still in business. Mr Yip handed his phone for me to answer. As I did not want to implicate Mr Yip in this incredible story, I declined. Mr Yip asked the IT consultant to meet at the consultant's office to buy computers. The consultant replied that he would call back. I thanked Mr Yip for his help and went out for lunch.
So, this IT consultant was alive and kicking. Why the odd behaviour of not returning my phone calls? To find out what is the problem? To resolve the problem in an amicable manner. Obviously there must be some problems. It was the problem of training my staff to use the computer and he had no time for them.
Now, he was not your average young man. Impulsive and hot-tempered. He was in his forties. A soft-spoken man and we had never exchanged angry words. He came for two days to train my staff on how to use the MYOB accounting software. However, my staff could not use it. So, he abandoned the Titanic. After all, I had paid for the necessary new computers and software.
Is this the right thing to do? "No business man is totally honest and upfront," Juliet, a senior manager in a statutory board said when I told her my problem. "You are not proactive. So, this thing happens." In other words, I had inertia. I should have a set of procedures to handle him but then I was not into project management like Juliet who had backing of support staff in the tender for computerisation.
Over 15 minutes during lunch-time I dial the IT consultant. I dialed and re-dialed. He just would not answer my phone. If he was busy, he could have returned calls during the past week. Or text-messaged me that he would be coming to my office. That was what he did last time although once he failed to turn up. This was an odd behaviour from a fully grown up man. So was he a scam man?
Yet his phone number was still active. I could go to a public phone and call him and he would have no choice but to answer. So, why should he behave like a fugitive?
At 1.15pm, I thought of the solution. To text-message him.
"U want police to see u today? Dr Sing" . No response for 5 minutes. In 20 minutes, I would walk to the Toa Payoh Police Station and lodge a report for cheating. The IT man had not handed over the CDs and I could not use the MYOB software in 12 days' time.
15 minutes after my SMS, the IT consultant texted that he would be coming to see me. Within 30 minutes, he was at my office.
It is just so sad that I needed to drop the name of "police" to get him to provide service. "I had been busy," he explained and said that he would be in my surgery every day till my staff is trained to use the software. I had my doubts. He said he had left the CDs in my office. But we could not find them. "There was no proper handing over," I said to the IT consultant. This is just a sad but incredible story that is not over.
Thursday, January 15, 2009
2. The canine spirit
INCREDIBLE BUT TRUE STORIES
Jan 16, 2009
I believe that many Myanmar people believe in the existence of spirits of people who have died. So do many Chinese in Singapore. Do they exist? Now, what has the ice-cream vendor photographed in this report has to do with spirits?
Whenever I see an ice-cream vendor, I recall this incredible story. On Jan 14, 2009, the sound of ice-cream bells attracted my attention as I completed a case of Miniature Schnauzer bumps treatment. The ice-cream vendor was licensed to sell ice-cream only in the vicinity of Toa Payoh. The Singapore Government had strict rules restricting street hawkers to play their trade only in approved areas. Any licencee flouting the rules will get fined.
So the ice-cream vendor passed by my Surgery every afternoon. It costs $1.00 per piece of ice-cream with bread. I wondered how he could make a living since he had poor traffic in an industrial park and there was a melamine in milk scandal resulting in many people not eating ice-cream.
The vendor was happy to see me, saying: "I am free only in the night and so I consult your colleague. You know, I stopped selling ice-cream for a few days after my dog died." I will not go into details. His mahjong friends had bought him a puppy as he and his wife were grieving for several weeks.
Suddenly a strong gust of wind blew off his plastic ice-cream cups and his helmet. Nothing unusual as the two industrial buildings of 10 stories create a wind tunnel effect. "My old dog is angry with me," the vendor said as a stronger gust of wind uprooted his large umbrella from the holder. The umbrella floated upwards to one storey high and gravity pulled it down some 10 metres away with a loud pomp.
I had this shivering feeling as I knew the old dog and had wondered at this new development before the vendor expressed my thoughts. Is there such an entity as a canine spirit?
The vendor picked up the umbrella and put it back into his holder. He screwed the knob to hold it in position. The breeze got stronger. "Your umbrella is going up," I shouted. "Don't worry, I am holding onto it." After several seconds, the breeze just died.
"How do you know that your old dog is showing her presence?" I asked him.
"I can feel her presence even at home," he said.
I was sceptical. "How do you know?"
The vendor said, "Clumps of her hair appeared in the apartment suddenly." The dog had died around 2 months ago.
The vendor continued, "Sometimes, I could hear her swaying her backside at night under the bed. One night, my wife asked why I was shaking the bed."
As to why his mahjong friends bought a replacement puppy for him, I thought it was due to friendship. The vendor elaborated, "All of them bought 4-digit lottery and won due to the dog."
I could not talk more to him as my assistant Mr Saw came out to remind me that another client was waiting.
This story of a canine spirit sounds incredible. I can't believe it myself if I had not experienced the sudden shivering when the breeze increased in force and intensity at the time the vendor spoke and grieved about his dog that had died young.
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