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I am university educated - speaks/reads english Mandarin and halting Malay. I currently stay in Johor Bahru but drives to Singapore regularly for business. I have no worries about money, have fully paid properties in Singapore and Johor. I use to work for large MNC but now employs a few people in my small but profitable business in Singapore. I can go wherever I want and have traveled extensively on business and on my own - just back from a month long tour (unfortunately alone in Europe. I am a member of holiday vacation club unfortunately unused because I cant find a travelling partner