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[Music] hello everybody welcome back to our video series on wealth management today were going to continue our discussion on estate planning and specifically on what are the SS that may not be able to be distributed via a wheel in our last video we talked about there are two ways to die in Singapore the first way is to die test it and that is to dive with the wheel and the second way to die is of course to die without a will and we call that in testing and we discuss that if one dies without a will in Singapore our access will be distributed via the intestate succession act and that might not be a good thing because not only it takes a long time it is costly and you might not dispute your SS ing to your own wishes so it is better to at least write a wheel but you know that there are some assess that cannot be distributed they are will what are some of this SS that cannot be least filtered the other will firstly or our joint accounts joint tenancy and its properties and the joint tenan
