Singapore Property Related Podcasts (Part 4)

What does HDB flat ownership really mean? (25 May 2018) – The Pulse Podcast

The Housing Development Board (HDB) resale market for flats has been lack-lustre, with the resale price index falling for 6 consecutive months and in general over the past few years. This could be attributed to the gradual decay of the 99 year leases and also after the government’s announcement that not all old flats are eligible for Voluntary Early Redevelopment Scheme (VERS). Increasingly, there will be more and more old flats.

Based on statistics, only 4% of flats are under Selective En-bloc Redevelopment Scheme (SERS) programme currently and Singaporeans should never pin their hopes on that. There are currently around a million flats in Singapore. After 99 years, the government will take back the land and possibly re-develop it, and this will rejuvenate the land for the new generation.

Is home ownership a misnomer? Are people buying a 99 year rental from HDB? Now, you can also re-sell the lease to someone else or even a portion back to the government under the sale-and-leaseback scheme. However, people need to realise that they don’t own the land. Only recently did people start talking about it and start realising the truth. For a long time, many people are able to sell their flats for profits, so they didn’t see a need to worry or even complain.

HDB should consider the terms ‘lessee’ and ‘lessor’ instead. Now, there are lease buy-back schemes, 2 room flats for the elderly etc. Singaporeans expect that government will buy back their own flats via SERS. However, if you do that, HDB will be like de-facto freehold property. This SERS scheme is very expensive for HDB and to the state and HDB is claiming that they are running deficits every year. As such, it is unrealistic for them to conduct SERS for all flats and indeed, the government has never promised SERS at all. Moral of the story: Never believe too much in what your housing agent says.

There are suggestions of removing the profit element of HDB, to level the playing field, as it is only a home. One way is to allow people to sell it back to the government, and the authorities can do a revaluation, and sell it off to someone else. However, through this, people won’t be able to make a profit from selling their flats. You can monetise your flat to fund your retirement. Perhaps for new flats, you could only impose that you can only sell back to the government. There is ‘definitely’ a cost to enjoy your property, which people need to understand. In modern times, the truth is that people are making less profits from selling their HDB.

In the gig economy, not many will have stable incomes. As such, HDB should give young people the option to rent flats at a cheap rate. In many countries, people overseas will rent from the government for public housing. If you let private developers buy over government land and old HDB flats, then it will be like DBSS, which is flawed and the scheme was eventually scrapped. This could reduce the number of public housing in the future.

If you limit the use of CPF to buy a flat, then flat prices will drop but you will have more to spend in your retirement. The thing is that some Singaporeans are only asset rich, but not cash rich. However, the social contract of the government and the people is that Singaporeans enjoy asset appreciation from their flats. It may be possible to allow others to rent HDB, and have a home rental scheme. The government should try to avoid kicking the can down the road and there needs to be a more open forum for Singaporeans to discuss this issue.



Singapore Property Related Podcasts (Part 3)

Outlook for the Singapore property market – 12 Apr 2019

Mandarin Gardens failed to get an En-Bloc, as they failed to hit the 80% of the residents voting for it.  It’s almost a year (July 2018) since the authorities slapped on cooling measures. Is the En-Bloc market truly dead? In 2017, this was when the En-Bloc market started to surge. It is more expensive for developers to buy land, as they have to pay ABSD up front and only a portion is remiss-able. The cooling measures causes developers to be more cautious at the moment.

Even at the height of En-Bloc cycle, it was hard for Mandarin Gardens to En-Bloc, simply because of its size. Developers need about $3 billion to purchase it, as it is a huge site with 1000+ units. There is too much risk and uncertainty around it at the moment. A lot of the owners are uncontactable and hence did not vote in favour of the En-Bloc.

It will continue to be tough for the developers to find suitable land to go for an En-Bloc. Pearl Bank was sold to Capitaland for $800+ million. Developers have to pay ABSD if they can’t sell within 5 years, regardless of the size of the units. The larger the development, the harder it is to go En-Bloc. Foreigners tend to buy in the CCR regions, the high-end properties. The cooling measures affect properties, especially in the CCR regions, where prices fell almost 3% in the last 2 quarters. If you increase the reserve price, people may be more keen on the En-Bloc. However, the developers may not be keen on paying a higher price, and it takes two hands to clap. The minimum floor area of condos is a ‘mini’ cooling measure as now condos will be even more expensive.

There are quite a number of Chinese developers in Singapore, and they did en-bloc projects in Sun Hozier, Shunfu HUDC. Are developers paying too much for the land? And this pushes up the property prices over time? Developers need to lower the selling prices if they can’t sell the units as they need to sell within 5 years. For developers, their business model is to buy land, build and flip and have a shorter term investment horizon. Foreign developers still have to comply with government guidelines. Chinese developers have generally done okay with their developments, in terms of sales.

If you buy property as an investment, you won’t get the desired property yield/rental yield as before. Rental yields have flat-line and remained very low. Interest rates are low in Singapore, and investors are willing to accept a lower yield as well. Expat packages are also lower as compared to the past, and this has an impact on rental yield. Property prices also go through a cycle, just like any other asset class.

Can we expect the same capital appreciation in the future? Fed raised interest rates 4 times last year, which was very significant. However, the Fed announced that they wont increase it for the remainder of 2019. However, interest rates are still low at the moment. For home buyers, they have to manage the interest rate cycles, over 30 years.

More Singaporeans are looking at the overseas property market. You need to understand the reputation of the developer, the local regulations there. You should talk to the agents there and find out what are the good districts. HK residents find Singapore prices cheaper. Most governments have adopted a populist policy and impose taxes on foreigners, in order to protect housing prices for locals. For Vietnam, Cambodia and Thailand, these are popular areas for investments.

The Singapore government is planning to allow developers to build more properties in the CBD. However, this will not be cheap. The masterplan has a 25 year horizon and is definitely a long-term outlook. Co-living and co-working is the way to go, just like New York.

If you work near to your workplace, you save time commuting. Land cost is too expensive in the CBD area. For an investment, people look out for ROI, freehold property, long-term capital appreciation, location etc. For home owner, people look for amenities, facilities, proximity to MRT/parents, neighborhood etc. For example, Indians want to live near their own community etc. Research shows that upgraders tend to move to a place near their old house, within 5km, but towards more central areas. It is unlikely that the cooling measures will be removed in the next 5 years. There are around 60, 70 new launches last year and this year and there is plenty of supply out there.

Learn to buy within your means and definitely work out your finances before making the plunge.


Singapore Property Related Podcasts (Part 2)

Asian Business First Podcast – Outlook for Singapore’s Private Residential Property Sector (26 Oct 2018)

There is currently huge level of interest for properties, given the surge in property price index from late 2017 to third quarter of 2018. There are new cooling measures [12% Additional Buyer Stamp Duty (ABSD) for Singaporeans who purchase a second property] and for new developments (new average size of 85 sqm, from the previous from 70 sqm), no more shoe-box condos for other than the central area. Balcony sizes will be shrunk (not more than 15% of the whole unit). For some old condos, the balconies are too numerous and too large and this limits the liveable space, which is quite a pity. Sentiment among property developers have soured because of the new government property cooling measures.

The various sectors such as commercial, retail, industrial types all have shown weaknesses in terms of rental yield. There are plenty of empty industrial space in Singapore as well of a lot of unoccupied condos around. The on-going US-China trade-war might also affect residential prices as it puts a dampener on the global economy.

The cooling measures are working, as can be seen from a slight decline in residential housing prices at the end of 2018. There are plenty of new launch condo projects in 2018, but there are fewer transacted units, and many projects are not selling that well. For the resale HDB, the number of transactions took a tumble and decreased. The En-Bloc market is also slowing down as a result of the additional stamp duty for developers when they purchase land.

Now, it is a buyers’ market, not a seller’s market, as buyers will adopt a wait and see approach before deciding on anything. There are many En-Blocs which have not found developers to buy, as it might be hard for developers to sell off these units within 5 years. There could be resale units emerging from failed en-bloc units as the previous owners just want to let go of their units. This could lead to a re-pricing of leasehold, freehold properties that failed to En-Bloc, because of the cooling measures and this applies a price pressure downwards. The best is to buy freehold properties in districts 9, 10 and 11. Many home-owners are brought back down to reality after the cooling measures.

Many of the En-Blocs are happening in the HUDC market, and those owners might downgrade to a resale HDB and save their money for their retirement. There are 50,000 new condo units that are new, of which 30,000 of which are unsold. There sounds like a glut in the market at the moment. The thing is that with limited population growth and stable employment and not many PMETs coming in, it is difficult to fill up the vacant units because the growth has tapered somewhat. Rental yields will continue to struggle in the near future. Property investors should certainly think twice before buying something for investment.

Developers build shoebox size units to attract foreign PMETs and property investors. However, for non-central areas, who will want to rent there? That’s the big question. Shoebox units tend to sell at a higher per square foot (psf), and developers will use this to justify charging higher psf for their larger units. People have valid concerns over the small condo sizes. Developers are allowed to build shoebox units, but they will have to build quite a number of 3 bedroom units as well, as the average size must meet the new URA guidelines for condo sizes. These guidelines were not included for the core central region (CCR) because had they were, the prices would be really unaffordable.

On average, the size of HDBs are way larger than private housing, and with a better living environment. A 4 room flat is on average 1,000 sqft. Some developers add the aircon ledge as part of the unit size, which is quite unethical.

The Singapore government really intervenes in the housing market, to control prices, as evidenced by the numerous rounds of cooling measures over the years. An increase in interest rates will eat into your rental yield and hence, your profits. Rental yields are about 3% in Singapore, but interest rates for home mortgages are closing in for 2.5%, and this is uncertain, depending on what the Fed does.


Singapore Property Related Podcasts (Part 1)

Asian Business First Podcast – On Board the En-Bloc Bandwagon (23 Mar 2018)

With a quarter of a million Singapore dollars lying around, you could place a down-payment for a condo/apartment. The En-Bloc fever (it means: all together or all at the same time) has been gaining momentum. Property developers want to buy up the land, demolish the building, and build a new development and hope to earn more by charging high prices per square foot (psf).

The Pearl Bank apartment has managed to go En-Bloc finally. The sale of the Pacific Mansion condominium is the biggest En-Bloc in the last decade, almost close to a billion dollars. Pacific Mansions is located in the CCR, and it is on a freehold land. In an En-Bloc, you get paid to vacate your property, which sounds attractive. However, with the money, you will have to find another place to live and chances are, other houses will be expensive too. In the past year, there has been a resurgence in property market, led by the wave of En-Bloc.

The new Additional Buyers Stamp Duties (ABSD) [increase from 7% to 12% if Singaporeans buy a second property] has hit the investors in the Core Central Region (CCR) region, especially when foreigners refuse to buy and pay the stamp duty. The market used to be suppressed artificially because of the cooling measures. HK has implemented up to 30% of taxes for foreigners to buy their properties, and this is substantially more than the ABSD on foreigners of 20% in Singapore. However, Singapore is still considered cheaper as compared to other big cities in the world, like New York, London. Singapore’s economy is doing relatively okay for now. Buyers have the fear of missing out, as they feel the prices will continue to rise and want to get a property now. For property, it is cyclical in nature, and happens that prices are over-heated now.

Should buyers target projects that have potential for En-Bloc? Can you tell which properties are targets for En-Bloc? It is important to identify the projects are early. If the projects are already slated for En-Bloc, you won’t be able to make a lot because existing owners will want to sell it to you at a premium, and the En-Bloc potential has been factored in the price. Try to avoid buying a property with the simple mindset of hoping for an En-Bloc, as that should be seen as a bonus only, and there are many other factors that make a property desirable (near schools, near MRT, near parents etc).

For location, it matters a lot, as those properties near MRT stations tend to fetch more. For properties near MRT, chances are that the location premium is already factored in. Investors should try to predict future MRT locations, and then you may get to make more money.

En-Bloc helps with the rejuvenation of buildings in Singapore. The winners from En-Bloc will also spend more, and this leads to a re-circulation of capital back to the economy. However, for first-timers, they will be pissed as property prices are likely to rise during En-Bloc fever. There is too much exuberance in the market at the moment. Developers also need to continue to buy land, with is their core business, and cannot stop doing that easily. If there are not enough government land sales, then developers will look to the private market and En-Bloc. The most recent cooling measures have killed off speculations. Those who can still enter the market are those who have the holding power and are cash-rich. The amount of leverage has been reduced and this is actually good for the economy, to avoid buyers getting into financial trouble and encouraging prudence in general. For this reason, it makes sense to keep the cooling measures in place.


Singapore Writer’s Festival 2017 (Part 1)

The Green State of Singapore. Singapore has plenty of thriving nature ecosystems. The last of the tigers seen on the island was the 1930s. In the last 100 years, there is a trend of increased use of cultivated land (crops) and increase urban land use. The percentage of primary forests have decreased a lot. The 1960s marked the resettlement of people from village to HDB. NParks works with MINDEF to allocate land for jungle training. These jungles also enable biodiversity to thrive. The interesting thing is that in the 1930s, almost all of Singapore’s bio-diversity was gone and this had to be built from scratch. Today, Singapore has an outstanding range of biodiversity. We have over 400 bird species, which is 4% of the different bird species in the world. We also range high on the bio-diversity index and have improved over time. We top the Green new Index, the Treepedia by MIT. Some interesting species which we have are the Horseshoe Crab, where there are properties in their blood which can detect certain toxins in human blood. Everyone needs to take positive action. Nparks has a nature conversation masterplan in place to boost our conservation efforts. Roadside greenery and the various nature parks, reservoirs are all due to careful planning. 22 May is the bio-diversity roundtable and we also get schools involved. There is a school where the Chinese teacher actually brings students in the courtyard for lessons, where there is more greenery. 93% of Singapore’s forests were chopped in 1883 due to colonization. The Botanic gardens were tasked to re-forest and to grow Singapore’s bio-diversity in the late 1800s. Up to the 1930s, Singapore produced most of their food. In the modern day, we import almost everything. This was largely due to government policy on the need to make better use of the land and modernize our economy. Botanic Gardens actually re-introduces extinct orchids through a hybridization process. The late Mr Lee Kuan Yew was the chief gardener. Almost everything green in Singapore has been created and this provides a conducive environment for businesses to set up shop here. Trees were planted along expressways to impress tourists. When animals (tigers, wild boars, meerkets) are dangerous, we try to get rid of them. The green movement is growing and more young people are on-board. The increase in green energy does not necessarily mean it’s good for eco-systems as these are very distinct. Land still needs to be set-up for natural eco-systems. Roof gardens on multi-storey carparks are also more common.

All in a Traveller’s Day. The Chinese and Taiwanese markets are bigger than Singapore’s for writing. Write about your own experiences. Traveling can inspiring you to write. Mimi is an illustrator and now a comic book writer. One can use social media to update people on your upcoming novel. This might be a niche area. Writing a travel guide is different from a novel as you are heavily constrained by guidelines. Telling your publisher upfront that you are going to work on a particular work might help as it leads to you feeling the pressure and motivation to get things done. Most Singaporeans travel casually because they feel repressed here. However, most do not achieve the type of depth that travel writers experience. It is necessary for travel writing to have some element of universality, and not completely personal. Sometimes, even if you are a travel writer, it is important to just go in with less expectations and to experience as many things as naturally as possible. There is no need to contrive a novel. A good thing about comics is that you can exaggerate things that happened along the trip. The problem is that social media is all about framing and people make the place seems very exclusive and empty. However, in reality, there could be many people waiting for the same opportunity as you. Smartphone apps have changed the way we view things and meet people. Travel writing needs to be very open and chatty. Marc Nair writes a short haiku for every of his photos. There is a need to be a responsible traveler, such as by recycling materials. The problem with some tourists is that they may intrude into someone’s privacy if they go too close to someone’s famous house for a photo opportunity etc. Poetry can be linked with photography if it tries to explore the space in a photo. Write in your own voice and learn to find your own writing style. Sometimes, it is useful to get lost while traveling as it allows you to experience things you wouldn’t normally had a chance to.

From Apart to a Part: Writing to Unite. To some, many do not know where home is as they might have been displaced due to violence, turmoil in their own country etc. However, home is actually within you and once you are at peace, you must feel at home everywhere you go. Suki Kim taught English to North Koreans in NK for 6 months and wrote about her experiences. In NK, everyday felt the same and it felt really empty. There were no news/emails received and you didn’t know how to assess what was true. It was mainly propaganda. Literature can connect the arts/culture and translation is important as it helps to revive old literature. Through the shared power of literature, it is powerful enough to spread culture and important cultures. Learn to immerse yourself in other cultures. Learn to understand the human narratives through talking to refugees etc. The power of fiction is so amazing that someone else might actually think your character is a real person. It is almost possible to fall in love with a character in a book. All of us humans have a story to tell. It sucks being a migrant worker. The panelists shared about a Nigerian woman who tried to go to Italy to work as a result of social unrest in her country. However, her journey was fraught with difficulties and dangers. Stories help us to understand the world and make sense of what is true. Sometimes, the media do not feature such stories and hence the truth is suppressed. Social media is a way of broadcasting to the masses. There is a need to learn about someone else, and one of the best ways are through stories. Poetry is like rain, which politicians can’t stop. Soon, it will seep into the ground like rain. Writers have a social responsibility to share the stories of those who have slipped through the cracks. Through this sharing, it is hoped that the world will be more aware of such plights.

Growing up with Sumiko Tan. Sumiko graduated from English literature and moved on to a journalist covering crime. Later on, she wrote 2 books on crime. She is well known for her personal columns in the Straits Times on Sundays. The good thing about a personal column is that it allows everyone to start off on a clean slate. She wanted to show everyone that small things in life have a bigger meaning. Everyday experiences can be interesting as well. However, most of her columns had the same succinct writing and a certain structure to it. Over the years, she has received much praise for her work and sometimes some criticisms too. She always chooses to write from the heart and that’s how her topics were chosen. It is no wonder that she has written 400+ columns over 22 years. However, she only like 10 to 20% of them. They were compiled into a book. Some of the topics she covers are her pets, love, death, loneliness etc. She has an obsession with death. She only got married at age 46 and does not regret having no kids. Having kids would just have affected her career achievements. Now, she interviews household names like Tony Fernandez, Zoe Tay etc. Often, she also writes about her mum and husband. ST uses readership surveys to decide whether to continue her column and most readers responded positively. Over the years, Sumiko has generated the art to write everywhere, even with distractions abound. Deadlines also help her. Sumiko avoids over-dramatization of her characters and also plans to write short stories in future. She likes works by Sonny Liew and Tash Aw, local authors. Young people nowadays can do an internship or even start a blog to showcase their works and talents. This might help employers notice and aid in a job hunt. It is important to be sincere in your writings. She is grateful to having been born in Singapore, in such exciting times. So far, she does not have many regrets in her personal life.


Review of the ATOP World Time Singapore SG50 Edition

I purchased this watch in July 2015. This was the first quartz watch which I purchased on my own. I was really thrilled with the idea of owning another SG50 watch after owning the Ball SG50 nighttrain piece. In addition, the ATOP World Timer was only produced in 100 pieces and seemed really exclusive. This was the third watch I purchased since pursuing the watch hobby in April 2015. I first learnt about this watch from SJX’s website: The watch has an interesting feature of switching to different time zones. This feature has won the brand some accolades as well.


ATOP also produces world timers in other colours and designs. You may check out the other designs here:

The ATOP World Time Singapore SG50 Limited Edition watch (44.5mm case and is 12mm thick) has a day night indicator and a unique feature of switching to different time zones. It runs on a quartz movement. One could switch to a different time zone via rotation of the bezel. On the top of the watch, there is an engraving of the number of the watch. For mine, it is number 2 out of 100. For me, this limited edition is of significance as it marks Singapore’s 50 years of independence and is certainly a moment worthy of celebration.


ATOP is a Taiwanese brand that was established in 1984. It was founded by engineer Mark Lin and his wife. Their precision movement is also patented and their brand is known for the automatic setting of world time as the watch contains 24 pre-set destination times. ATOP watches usually come in playful colours and tend to attract a younger crowd.


The ATOP World Time Singapore SG50 Limited Edition is a fairly new model, and follows on from other world time models. It is heartening to see unique technology employed in a quartz watch. In the brief period that I used it, the watch keeps time well and is very light and enjoyable to wear on the wrist. This is certainly a watch that stands out from other brands that carry many quartz watches, like DW, Swatch, Fossil etc. In addition, this watch will suit frequent travellers as switching time zones is such a breeze. ATOP watches are made in China, however, this is no way compromises the quality aspect of their timepieces.


The main reason why I found it so attractive was the technical features and also the playful feel that came with the watch. My reasons are listed below:

The ATOP World Timer comes in a high grade polycarbonate case and a durable rubber strap. The watch is relatively lightweight due to the use of a rubber strap and the use of polycarbonate. The polycarbonate feels harder and superior to normal plastic watches. The strap is comfortable and still in great condition. The case is all black and the red accents on the dial provide excellent contrast to the overall appearance of the watch. This contrast gives the watch a youthful and playful feel. The bezel is also made from polycarbonate and is relatively easy to turn.


The watch screams playfulness, which I like. This is certainly one piece which you will not see on the wrist of others. It has a hardened mineral crystal which is fairly scratch resistant. Although not as hard as sapphire crystal, it is still acceptable due to the price positioning of this watch. Due to the materials used, the watch will not develop patina over time. There is a sub-seconds dial at 6 o’clock of the watch.


The ATOP World Timer is a weekend watch with 30 meters water resistance. This is a watch where you can wear daily without having to worry about it. As the watch is donned with a rubber strap, one can certainly use it for sporting activities. After nearly 2 years of use, my watch is almost scratch-free and still in mint condition. I have also wore my more expensive watches more frequently.

The ATOP World Timer uses an in-house quartz movement. This a certainly a workhorse movement with a long battery life. The battery can be easily replaced via unscrewing the caseback via the tool provided. This type of CR battery will likely cost less than $10, if brought to a watch shop for replacement.

The black dial on the watch has different textures under sunlight/artificial lighting. This is certainly very attractive to look at. At the 12 o’clock position, the country stated would indicate that the current time zone the watch is in. For instance, from the pictures, Singapore is by default positioned at the 12 o’clock position and is in red font. The bezel can only be rotated in an anti-clockwise manner. There is a day-night indicator at 3 o’clock and it will slowly rotate as time passes.  There are tinges of white and red on the dial and this gives the watch a playful feel at times. Overall, there is minimal text on the dial, apart from the ATOP logo at the 9 o’clock position. The bezel is of the right size and does not overwhelm the dial. The hour and minute hands are filled with luminous materials and can glow at night. However, the lume is weak and practically non-existent.


The ATOP World Timer has a closed caseback. As mentioned earlier, it can be opened up via the tool provided. Once the caseback is opened, one can replace the battery and also change the time. Therefore, there is no crown on the watch. This actually gives the watch a symmetrical feel.

Overall, I am still impressed by how the watch has not ‘aged’ and still looks in like-new condition. I have worn this watch on a rotational basis among my other watches. The ATOP SG50 watch is a weekend watch which will pair well with casual clothing. The two most outstanding features are its (1) World time feature and (2) Day night indicator. I purchased this watch for SGD 193 from Red Army Watches and by now, all 100 pieces would have been snapped up by now. If you want to lay your hands on one now, you will have to get a pre-owned one.


Five Amazing Benefits of Being Kind by William Wan

The Singapore Kindness Movement was founded in 1997 with the aim of building a kinder and more gracious society

There are 5 amazing benefits of being kind. They are:
1) Personal Happiness
2) Happy Families
3) Good Health
4) Success at Work
5) Kindness Begets Kindness

What is Kindness? It is about benefitting others without expecting anything in return. This is graciousness in action. Make a positive difference in someone else’s life. You can do simple things like hold a door for someone. Compassionate people who exhibit altruistic acts of service tend to have better life satisfaction and health. Doing nice things for people leads to a significant increase in people’s positive moods.

Personal Happiness. When you are kind towards others, dopamine, is released. This makes you feel good. Be kind and you will happy, be happy and you will be kind. Doing good over time will tend to lead to a friendly and joyful personality. This, in turn, makes you more attractive to others. Doing good deeds is also associated with better relationship satisfaction. Helping others bestows a sense of satisfaction. Learn to acknowledge your colleagues in your workplace.

If you want others to be happy, practice compassion. If you want to be happy, practice compassion. – Dalai Lama

Today, give a stranger one of your smiles. It might be the only sunshine he sees all day. – H. Jackson Brown Jr.

Happy Families. Small acts of service are a way of showing affection for your partner. Kindness should start from the home. Talk about kindness in your dinner table. Write cards or notes of appreciation.

Strength of character may be learned at work, but beauty of character is learned at home. – Henry Drummond

Being considerate of others will take you children further in life than any college degree. – Marian Wright Edelman

Good Health. Being kind to others has mental benefits, due to the production of dopamine and endorphins. Your body produces oxytocin, the bonding hormone. This hormone protects your hear by lowering the blood pressure.

Success at Work. Kindness can create a healthier and more effective workforce. This helps to boost productivity. Employees who are happier then to go the extra mile and tend to be more engaged in their work. The work place culture indeed matters. Teamwork also becomes more fun and the work environment is more pleasant and welcoming.

Kindness Begets Kindness. We can make our society a better place. When we enjoy others act of kindness, we feel good and feel inspired to pass it on. Learn to put yourself in someone else’s shoes. Understand their needs and desires. Do good, without expecting anything in return.

The very nature of kindness is to spread. If you are kind to others, today they will be kind to you, and tomorrow to somebody else. – Sri Chinmoy

Remember there’s no such thing as a small act of kindness. Every act creates a ripple with no logical end. – Scott Adams