Early morning went for training, after training went back to have breakfast with family and then to CPF board in bishan.
After CPF drop by at the bank to ask for refinancing of the hdb loan, only then did we realize that we can't do a refinance cos the minimum loan must be $100,000, and we just left $55k.
Today was Justin first time playing in the pool, he really enjoy himself a lot. This boy is more adventurous and more playful than his 2 siblings.
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