because they go and hear from other people I mean from uh I don't know lah rumour saying that oh no better don't put all your money inside CPF after that the government will , will will change the, withdrawal age you know to maybe older so in the end you don't end up getting your money


(ppb) so I'm going to stop [ah] stop [ah] I


part three negative experiences you know what joanne, I didn't realise , the situation is really that


bad you see, I've been helping you know in the meet-the-people session, and, and all this while I've been writing letters uh to is like traffic, offence, I I, don't have


school for my child and son so I don't really feel it, but this time I have a lot of people come and say that oh uh, my husband is the sole breadwinner, now he lost his job I got three young kids to look after


we need help you know so then, then another one will say that oh , my I I I'm a I'm a homemaker, my husband sole breadwinner I went to look for a job because he got a salary, cut, so if I don't go look for a job then we will not have enough


for the family so ask, us to go and help to look for a job for them for her , then we have, !wah! so many people coming , and said that they used to do they are self-employed ya although the the government actually give them incentive you know three thousand quarterly but


still some of them earning more than that, three thousand quarterly is like one thousand a month but, if their, income has been more than that so it's really very tough I I really didn't realise so bad until


recently when, when that's, I because the government has been saying that oh we have not seen the worse yet that'll you will see a lot retrenchment going forward, I don't feel it because I'm retired right, I mean I I'm retired I I don't have


the kind of uh feel how the working environment is like until when I when people start coming for help then I realised, that !wow!, maybe it is true, that , really people are really going out of job, and, probably going forward there will be even more lah because there's a lot of industry that probably may have to close because


everything is IT what hor everything is uh, technology has actually, may even close down a lot of businesses, so ya is kind of so what what I did ah


recently is actually I sign up to become a, uh what do you call that a career navigator, so a career navigator basically, help those people who need to look for a job


where to go to you know so I volunteer because I need to I want to know, because I foresee like maybe one day my friend may ask me or my daughter's friend, so I I think really I think situation can be, quite bad you know is quite bad


you were also saying right your children parents' said that they wanna stop, want to stop your tuition


hopefully lah hopefully we don't see second wave or third wave but so far been doing quite well, the only thing I don't understand is why are we having so many imported, cases you know I every time I look at the the announcement right by that


uh through the app MOM, app then I say why so many imported case, why do we allow uh we should only allow singaporean to come back, then we get all these dependent and , those long-term pass, and they, all got positive so it's like !aiya! why are we and then the community is doing well I think I think we are generally


we are quite obedient in fact ya talking about, talking about jobs ah, I, I really feel for those who are, like forty plus, you know the forty plus means ah their children are very young


ya, and imagine if you lose your job, then the kids are all very young and and, actually losing job ah it's not just the money you know the morale you know I mean you just feel very down


when you lose a job you have a sense of like, you feel in you feel lousy you feel like eh maybe I'm not good, maybe I'm not a good worker maybe I , so inadequate lah you know then after that you gotta face your


uh family why you got retrenched, and, no money for food and you see your children not able to, do what they used to do so is quite sad it's really very sad, even for those like


new graduates imagine your first job and then, you got retrenched right I mean that is, I I feel very sorry you know I mean I I heard from my daughter saying that her friend got retrenched just two weeks ago , so I like !aiya!, it's like first job you Kena retrenched


ya lah so so I I actually give her, let her let her, pass, two two website lah basically two website where, the friend can actually apply for job, I said quickly go back to


to find a job, because the longer you wait ah, the the worse you feel you know it's like after a while you feel very demoralised, so I said quickly get a job so that, it's sort of like help you back you know then you if you have a job not that


not is not the money but you just need that maybe, some confirmation that actually ya I'm not that lousy is that environment right, but ya but, so so ya we do have a lot this type of issue lah


actually all these can snowball you know imagine like , somebody, Iost their job which mean that, if they have elderly parents, it will snowball to them you know because, you can't even take care of yourself what, what more if you are ya ya so that day I actually spoke to one elderly because I'm also a volunteer


talking to all these senior who stay alone or stay with their spouses only so we like to talk to them to ensure that they are okay just to check up lah basically so this senior was saying that oh I need to go to IMH to collect


my, medication and I dare not to go out because I'm scared of this COVID so I want to ask them to send the medicine to me so I said why do you need to take this medicine then she say oh because I can't sleep


so because I was thinking eh you want to take medicine from IMH is there something wrong, is there mentally some, because you always think IMH means something wrong with the brain right or maybe mental lah so but she said it was because I can't sleep, so if I don't take medication I really cannot sleep so


and, she doesn't stay with the children stay children stay, are on their own and she stay on her own , and, she said the family the children, have, their own family to take care so don't really have much time for her


then, ya lah so it's like snowball lah I suppose is like, your you don't have anybody to visit you that often, sometimes I think family are important lah hor if you have children


true it is it's very sad lah to see different different cases actually if you don't volunteer you don't know what is going on but now that you go to different places like you volunteer in the IMH I volunteer look after the, senior and


all these writing letters then you get to know , uh actually there's so many people, there's so many needs lah there are so many needs around


some sometimes like , ya they drag maybe because they are in denial lah I mean they don't, recognise it you know most of the time they don't recognise because if they're in this situation obviously , they, they cannot handle the situation that's how they ended up like


that, so for them to recognise sometimes it's very difficult uh, it's easier for somebody third, party to see it, but, even parents sometimes may not even detect


[orh] because she's violent that's why


okay so I stop right I stop and submit


part two positive experiences


you I enjoy before the COVID right I think we were like enjoying so much in our various type of exercises, I really most miss those days, you know before err COVID then we were like exercising at uh uh what's that called Clementi stadium right


yup, poor linus I think he's like, no no business already , ya I tell you


actually I don't mind in fact, okay lah not not to, undermine the corona virus lah but, actually I don't mind this uh phase two because, my children works from home, and


I get to see them more often, I'm able to like cook for them and I know that they are, having like, good meals you know rather than eat out and then not only that like everyday every evening after she dismissed from the her work from home we are able to do online video uh exercises so we always do like thirty minutes you know so we


really I I I feel very happy lah in the sense that we, mother and daughter can exercise together sometimes my son you know will would join in, and, and then also like, she don't have to travel there so there are a lot of times really spend, then also like some of the things that I do like some volunteer work I actually do it over Zoom


so I don't need to travel, you know I don't need to travel, and, actually I don't mind to wear the mask also because, I can wear the mask very high so that, it protects the my face from the sun


ya


ya I tell you my my digital knowledge ah, suddenly skyrocketed something that sometimes we, we we reluctant to learn you know it's like, !aiya! never mind lah ya never mind we can learn tomorrow there's always tomorrow never mind we don't have


I mean this is not for me err ya but then, because of the circuit breaker, we, have no choice we are faced with otherwise


ah no, it where, it if you feel naturally get, get into being the leader that's fine if you say okay joanne now I appoint you to be a leader, then you say oh no no no I don't want to be right usually like that right if you are like, preempt ah you get scared


even your student also your student uh numbers also went up right uh tuition ya


it's two what upstairs one downstairs one right


it's not worth then if it's not worth then don't bother to rent out lah because you see you have to , uh factor in the cost of renovating I mean whatever he wants you to do, the cost divide by, and how long he wants to rent it for if he gonna rent it for like twelve months you just divide lah


twelve months of your uh renovation cost and see whether worth it eh maybe it's not worth it then forget about it because they gonna dirty your place they going to don't know what they're gonna do lah


you need to ask for permit know because he'll be cooking


eh joan every five minutes joanne every five minutes you have to tap your phone so that it doesn't go dead no you must, no no I, you know because can you see the chat she keep reminding you to tap your phone


so the next time every now and then you tap lah because it will go off you see, even if you shake if you shake cannot also ha


on how long they want to rent from you I mean if they gonna rent long-term is worth it but if they gonna rent what, two years then, your renovation is not worth it because you can't even cover, the cost even after two years ya so you got to make some calculated


I mean calculation to see whether


what do you do you have to cement the place ah, why don't you put those uh vinyl, oh why don't you put vinyl, lay laid it with vinyl


[orh] okay okay


make some calculation lor see if do some mathematics calculation, mathematical calculation and see whether


eh but if you rent to bakery right you need to have a exhaust you know, because they gonna bake there then you need a exhaust they gonna fix the exhaust it going to cost you a lot of money, so all these you must remember , and whether your shop, entitled to have a exhaust not every shop can have exhaust whether uh


you know I'm learning piano right, so uh because my, I used to go every week for my piano lesson, but of course suspended so what I did was I learn online of course YouTube they do have


I can always go to YouTube but YouTube sometimes is like, bits and pieces don't have a continuality so I actually I go I went to Udemy, Udemy is an uh website where you can actually apply for the course is so cheap, less than twenty dollars ah


I can sign in, onto a keyboard class you know, so they actually teach me so I've, been like taking, less than twenty dollars so so I've been learning uh my piano lah so everyday I tell myself every week I must learn a new song and I told myself that


I must be in a class right I'm not the, best I'm not the worst but, consider I'm not not so good lah, but so what I want to do is I want to practice every morning I tell myself uh it's like taking medicine you know take uh practise my piano three times a day


like, maybe ten minutes ah fingering and all these kind of thing because, when my class is lifted I, I want to be able to surprise my teacher, that, I have improved a lot , I want to surprise her, that you know I I'm I'm able to


ya so, ya in fact there are a lot of courses you you must tap on all these free courses you know uh NTUC learning lab they got courses then they have this uh uh harvard university


I want to sign up but sometimes it takes you like they will tell you how many hours, you know sometimes you feel that !wah! eight hours ah I'm going to spend eight hours in this topic so it's sort of like you'd you'd think twice you know whether you want to sign up or not you don't want to sign up and not turn up although it's free lah


so I am like I took some, but those like takes a lot of time to complete I sort of like put it aside lah, ya but really, I think this time err in a way, it's good because it force us to learn


and then meanwhile there are so many things, that you can learn you know whether it's from Facebook, err they teach you how to cook they teach you all the TCM you know I even attend the TCM on the Facebook you know eh every twelve O'clock twelve to one lunchtime right then they'll teach you some TCM


what is good what what kind of herb is good for uh the body uh acupoint and stuff like that so, plenty of things, so in a way


ya ya I know, ya


ya ya I know


ya you you get the thing at the eleven hours payment right


ya so those are the what foreigner is it foreign worker yeah yeah malaysian are good lah I like the malaysians malaysian people are very good ya ya ya we are all very blessed okay


yes financial related topic yes


yeah I think the SRS is useful because uh you can avoid paying tax for for the amount that you put in you will be not you will not be taxed err and then at the age of sixty-two can withdraw


but we cannot withdraw too much ah one year you can withdraw forty thousand so that you will not be taxed upon


!wow! okay but I don't really go for unit trust uh what's the difference if you buy unit trust okay what kind of benefits or interests you can get


no I don't I don't I because I believe in buying the shares you know after reading up like blue chips and I deal with you know I get the benefits directly so I prefer this type because ya there are some that I actually bought right


err long ago right so when the price drop is yours when it's uh no when the price drop you know certain certain amount when it drop right it belongs when it drop right belongs to me you know then it goes up ah belongs to the to the bank you know that is such a thing you know I bought before and I think it's so silly uh so I've stopped


you know buying such uh such shares through the banks I'll rather, do it on my own and I know the background of the companies that I am buying for and I know I can stand the benefits so I will just do my own work and I buy what I did


exchange traded fund no I've never tried that also


oh I don't do all this ah because I'm not I'm not interested in to me you know if I were to buy that buy this type of index to me is like gambling and I don't like to gamble, uh I like to have a long-term investment


so I have learnt uh just to buy and I don't even look at the price so I only go into the market when uh there's a crash, then I'll go in then when the price has gone up then I will just go in to sell so I I don't go in and out often I've done that in and out very often there was one period but I realise it's so wrong to gamble so I stop it yes


no I use I use my my own platform to go in out unless I haven't gone in for a long long time and I lose my forget my password then I'll call for call them to help me to to buy


no I I have my own broker also uh under OCBC I like that platform so I've been using OCBC for long time


the the OCBC shares platform I just do that


oh really my broker recommended


uh that's where you're wrong you know, , because the one the OCBC ah is a securities that means they just do nothing you know on banking they are not doing banking so it's totally on shares


ya, oh I I know what you mean now unit trusts to be in the bank shares is just totally shares OCBC securities just totally shares so they don't sell unit trust here unit trust will be at the bank


yes ya, and what about err have you bought any kinds of uh like insurance different different types of insurance


oh actually I have all these already I don't know how they gonna how they gonna to change it for me , uh because I already bought elder you know ElderShield Eldercare I got so many kinds you know, !wah! until ah now I also, !wow! I've been paying a lot for this


endowment endowment okay we need is a form of share uh savings the life insurance I love it very much because I realise should have bought more when I was younger, so the life insurance is the one that !wow! I really love it because the amount that I put in for my premium right now that I'm getting right is like more than double


I love it, very young correct


my this thing stopped but I turn on again ah, ya record button again


oh dear then how ah


ya uh yes still running that one is still running, okay can


it's paused you know now it's a square box how, yes okay so now how uh we will talk about uh


ya, the endowments life


that's why, ya will we be affected that's the thing ya they should not penalise us we have been very good we went to buy this when people don't buy


yes, yes mine is a integrated some more I have not change it I just stick to integrated


yes but then it's very expensive lah the rider paying a lot of money for it, ya very very high ya we're paying quite a lot,


yes that's why I I I put the I think it's good to put uh I always encourage my friends eh don't forget ah the retirement accounts very important especially above fifty five because when you put it in right the amount interests ah !wow! at the end of the year in december you see ah amount you get


back !woo! the is so fruitful that's why I told all my friends don't make a mistake err focus on retirement account, you know rather than you go and buy what annuity you know I told them okay buy annuity right you pay seventy eight thousand around there you know how much you get only uh five hundred dollars per month for how long maybe


uh seventeen years and that's the end you know whereas people who have err a lot of money top up the retirement account, I think ah it's for life you know especially for those for for the uh Merdeka generations for life I think we're so blessed ah can increase ah good


ya yes


yes ya, you hit two ya you hit two hundred over two hundred fifty thousand ah I think most of my friends who are two hundred fifty thousand above one right


!wah! all getting ah ten K you know happily ten over K, at the end of the year so good right december so good yes that's why and then some ah very silly you know they were telling me


oh we don't trust the government I say ya then what happen what happen to your money oh we bought annuity then I want to laugh I can't explain to them you know how much people are getting and how much you are getting you know from annuity that's why


yes they really got cheated, correct so that this is the area ah this is the one that I have mentioned before right to my friends !huh! one thing ah I should have done right from


beginning man put even more inside here than to put in SRS because there's a difference you put in the SRS right you only can use it to buy shares, whereas uh you keep dumping you know once he's fifty five years old ah keep investing in the retirement account ah faster right you get more money you know actually


ya that's why yes, and then the other silly thing is we go and uh pay you know full settlement of the house full settlement of the of the whatever that you have right actually


don't focus on that one first because that one is two per cent you know just focus on the retirement account, you know you just top it up fast and then you can take your own sweet time to do your repayment uh your repayment of your house mortgage loan ah to settle your mortgage loan I think is better off


that's why lower right, that's what I was told lower !aiya! wasted I already settled all wasted


ya eh you you did the right thing you know you go and focus on your CPF better


that's why I was told also yesterday eh so low the interest rate I say ya I'm not gonna do anything


all paid already lah but is wasted lah I should have settled more on my this uh ya to top it up first ah the retirement account further right so good


ya that's why that's why it's good ah uh in life right we must know exactly what it is ah you you have a lot of friends of positive and you know we we we will they will direct you in the right


path ah rather than oh all of them just !wah! some of them really uh don't know where we got all all over ah but we're not focusing on the right thing actually ya this is the right one, yes that's why


that's why friends are important, yes yes, especially those who are bitter against the government ah they are advising you all the wrong thing it is good to to to be happy you know with the government and then we are happy and we do the right thing yes done and we are going to the next one now


submit


glad, part three negative experiences, yes


ya my students' parents ya they told me also like lost job one lady told me she lost her job so I've been sending her also from the chat group right I mean I if I get a lot of those jobs part-time jobs I'll send to her then I keep asking her have you got your job already or not but she's looking for


uh part-time part-time jobs ah not too long also too many hours ah it will affect it will, it will take up too much time or too much of a time so she cannot spend time on on river uh you know on the son and then another father last week just told me eh I lost my job you know so I have to stop the lesson


oh dear I feel so bad you know so these are the people so we have so many people around us, uh losing jobs you know those especially in the travel industry oh, is they're really in a bad shape so ya it's it's it's a time a trying time for people around us


(ugh) sometimes ah you see this kind of thing happen right very sad right this this this is a period right do you realise a time where you know we can't we can't do much, with money also you know so it's a time where you fail that maybe this is a time when people need help we should be around to touch the hearts of these people to see smiles on their faces


very sad right so many people you know are losing jobs and then because I'm with the malaysians every morning prayers right so some of them also you know like uh oh they're not renewing my job, uh it will be like uh this is this will be the last three months you're not renewing the job uh extending the contract whatever you're going to stop so


the people are like it's a time when people will have to learn to adjust to changes changes nowadays ah is change change right is is a is a constant, is a is a is a factor that all of us will have to ah to be aware of it and got to learn how to adjust uh adjust to a simpler lifestyle so that


so that you will not be so bad you see so that we can learn to, we stand the the the whatever the odds whatever the odds are, well it'll probably help us to emerge stronger person more resilience


you know if it's through all these ah that everybody will learn how to how to how do we survive so I think the best thing what do you think ah to avoid you know, things getting worse what would you do you know like sicknesses there will be like second wave third wave so we can't move about that much you know


yes oh dear


yes, ya


ya yes


yes the worse it is ya


ya this is a time where if people cannot take it right if whatever that happens to them they cannot take it ah I think ah the mental hospital will have a lot of cases


it's very tough because they may you know they'll be drawn into a vortex of uh, depression you know despair then depression and mental illness will set in and this is a time where


you will you will really weigh down weigh the burden ah, and the medical costs do it will incur high medical costs in the in uh for this for this type of cases


!wow! it's no joke right for our government and also for the family families who are involved and the young the young ones ah will be will be affected, whole family will be affected when when one is hurts like that right !huh! so very sad right


so I think they will need a lot a lot of volunteers, to to to help people to counsel people who are in these kind of situations oh


oh dear


yes but you see the thing is ah mental mental hospital right not only just cater for the mental cases if you can't sleep ah for like three months right


you will have to go to mental hospital to get medicine already you know because I have done a lot of voluntary work in the mental hospital uh so I have actually met a !wah! young pretty girl you know got into the lift with me and then, she was heading for those same ward that I was doing voluntary then ah I thought she was a psychologist you know then when she came out ah eh she was wearing the the uniform you know that means one of the one of the mates that means staying inside there ah those patients you know then ah one more lady and I we were looking at each other !hey!


she is she belongs here ah eh what you doing ah you went, you were you came out with me from the lift at then you came in here to be locked up why ah she say oh six hers ah her case ah six months you know didn't go couldn't sleep you know and she was actually in the university second year


!wah! her english so good because she's uh I think studying studying arts, and she told me six months didn't sleep so she was being locked up there but she didn't mind they let her go home very funny right mental hospital got this kind of case one ah she will go home and then certain time she will go back and get locked up inside there


got such thing eh then we were talking we were laughing away you mean really got such thing ah yes you see I've been here as one of the mates then because I was a volunteer there so I was, chit-chatting with them ya so you see ah if you can't sleep got to be careful ah you'll be regarded as one of the mental patients you know so can't sleep is a serious matter make sure don't drag until one month she join until six months ya don't let it drag too long


suffering oh we get that one case ah !aiyo! this girl very pretty you know she studied in in I think england I think first year or whatever after first year she came back ah depress ah she didn't go back again you know that means she didn't complete


so I took two uh counsellors to her house you know what, I went inside there to call her because counsellors won't go in her mother won't go in all push me inside so I went in you know what she did or not she jump up you know and she grabbed my wrist you know and then ah press you know press you know and then she's all the bad words came out ah


you know and then I look in her eyes then I just say come in come back come back come back we jesus loves you and then she she release you know but her nail broke you know, but thank god ah I was protected ah when her nail broke right supposed to have done sank sunk into my hand right and yet I was not hurt so when we when we do this kind of voluntary work I would pray one ah you know for


for god to protect me so I was protected but she was injured lah you know her nail came off so !wah! I tell you ah this kind of things do happen ah pretty girls you know and this not the only case you know another case also went to england I don't know what happen also


and then he came back also you know sudden change in them very sad you know when you see young people like that, oh oh uh it's forgot to touch it


submit ya submit never mind just, ya because this let me check the other one should be okay ah the other one is okay still recording


screenshot of my phone okay can oh but it's moving it's moving yes yes screenshot ya, [<B> oh] congratulations already


!huh! another screenshot okay okay another one that means inside or not inside uh okay I've gone in already let me see ah how do you want me to no need ah you said another one ah another one is like this already you know


okay now it's very sad ah there are so many of these type of cases and actually ah because I'm working very closely with the with the people who


who are you know helping with the IMH so mine is uh like they IMH also they have uh care centres run by the churches so many many uh centres all over singapore they have #siew mei# they #siew mei# uh Simei they have uh #bukit batok# so I actually help them to


uh help these patients uh mental patients to adjust to, to their normal life so that they can get back to work, this is what my my voluntary work is uh to help the mental patients to adjust


then to get back to work before it get worse, but I tell you who those that are really bad one right the parents just those who the parents who parents dumped them aside ah thinking that you know because they're ashamed to say out to people it'll get worse you know


it's better ah to realise it straight away and do something about it than to let it slip into this kind of this kind of situation where they totally, layoff and then when we try to come in ah is very difficult the longer you take right the worse it is so you gotta do it very fast you know that a person is going to depression pull them out fast teach them to reject so I normally go to the voluntary work when I do the voluntary work I always


tell them okay what are you thinking of in your mind so they will say like negative thing then I just say reject that in the name of jesus reject this reject that all the negative thoughts ah reject it in the name of jesus amen so very sad you know I see people were dragged too long in in that kind of situation


ya ya


they because they just say !aiya! it's normal they say it's normal my goodness I said this is not normal but I tell you right from beginning is not normal but you say is normal oh so we leave it until now so long already now I tried to help also you know it's like , it's so difficult until nobody dares to go into her room you know you she the mother won't dare to go in even because she would ah turn violence so I went in and I got it you see but I got it I'm protected lah so it's okay


but they push me in , so every time people want to push me into this kind of situation ah I always before I go I'll always pray first ah pray for protection first , but I tell you ah doing this kind of work ah there was one time many times ah I I ya I even did alone you know there's one that I went to ah like fifty patients they will let me go to the workshop with fifty patients following me I like a bagpiper you know I sing the song bagpiper I will sing this song ah


uh I will sing lah sing ah so ginger ah [ho] then they will all follow me you know they heard my singing then they go with me you know then they're all laughing away eh you like like the bagpiper ah, you know playing the song and then all following you then I will go in ah but very fun lah you know I enjoy actually I enjoy working with the mental patient because you know why they are not restrained ah so they can sing songs you can dance with me jump jump jump they do all sorts with me


whereas if I go to the old folks' home right all are very restrained but of course I go to old folks' home they love, me also you know why every time when I feed right I went to see my mother my sister-in-law's mother I fed her, then after that another one will call come come come the nurse will call me come this side this side not eating or then the other one !hey! come come come this one not eating because ah thank god ah when you have passion right in doing something that you enjoy doing right


your passion lift the atmosphere environment is change so the people all enjoy my my my what uh wherever I'm around ah they will eat one you know well and it's done, we are done already


two positive experiences, what is uh what is your happiest moment


we are thinking of the same question


yes our instructors who are suffering right now ya but for me as for me mine is slightly different ah you know even when when I stopped doing all the physical exercises I'm doing a lot of spiritual exercises stretch all my spiritual muscles everyday on Zoom


ya yes, so I don't really mind I in fact I'm I'm very happy at the moment ya


ya


ya then we don't have to put on makeup also right now ah very good leh when I go out ah my life is so simple I go out with a small little bag because I no need to carry makeup already , actually it's so fun right every morning I wake up right I'm on Zoom you know you know what the first thing to do is to Zoom and I this is a time ah I thank god ah that is the time where where I really have a chance to like err not if not my leadership I've been tested on


so I've been made the leader because something happened the leader has to relinquish her post at the moment, and she asked me to take over entirely and I'm one person that who's not interested in leadership but for this I would do it because I do it because I believe in you know group drawing near to god and developing the spiritual lives of others so it's a time where I


a time where I really stretch my muscles spiritual muscles in teaching and the depth of the word and I'm so happy so joyous for me because, I I I'm teaching and I'm teaching adults you know


and even despite the closure right I also gone into Zooming to teach my pupils and I'm so glad ah that, I'm able to at my age right sixty one years old I'm able to take off uh with Zoom I thought I would never make it you know how ah you know suddenly circuit breaker right and then I say die ah circuit breaker how ah


god you want me to continue right but you know how I don't know how you know and then !wow! I'm so blessed you know people are sent to me you know, I think the heavenly father very good ah send people to teach me you know how to Zoom and then when I get stuck right students' parents run down to help me ah to to get on moving you know I'm so blessed ya yes


!wow! that's why


and I'm so blessed you know why when I help this this lady ah I'm helping her to take over her her role ah she would she's actually a IT lecturer you know so she actually


train me to do song leading right you know I'm very I'm not very good at this recording stuff and all this, so suddenly I'm playing worship songs with VLC uh really uh you give me VLC I go blur I really don't know how to use ah you ask me to use this one so she's teaching me this you know and very professional one you know like google next to the VLC to me ah is like !wah!


I don't do like that you know mine ah if I want to go into Zoom right, my students actually see my WhatsApp see my my desktop see everything you know to her that's every unprofessional don't do that she'll get ready everything then turn on share so I learn ah to to to to uh


to handle Zoom ah in a very professional way you know so I am so blessed and not only one lecturer there you know there's another IT IT lecturer in the midst as well so two of them actually teaching me so when one is not around the other one is teaching me


and you know to be a leader ah to me ah I'm that not that kind ah who like to fight for post, but I thank god ah this has been given to me like so naturally you know so when it's natural I don't mind when is there is strife ah bye bye I'm not interested in strife


ya I don't want yes but the best, part is uh when the leader's being uh forced to step down ah there were so many people against her you know


and now ah they are still inside the group so what happen is when I see these right I don't go I don't have a direct confrontation I always call her, okay your this one is trying to manipulate again then they all will come in you know she will come in to help so I I don't face these people upfront


because she has to stop it ah relinquish her post and she just tell them off she's passing it to me whether they like it or they don't like it she's passing it to me and thank god today ah so many people came you know to support, so I'm very happy ah that that's why ah when a prophecy a prophet mention you know


god will give it to you very naturally and I find that is !wow! coming true is very natural natural is what I want because I I've told him before if you gonna give me stripes to teach ah more stripes to teach ah I I really don't want, and if the post is going to be like that ah I don't want can you make it easy for me then I will do


so god has granted my desire so good so I'm very happy that's why I ask you to join me, yes numbers also went up and some more ah over three years right never get rental right suddenly ah also got rental


right this is really miracles you know when you get things uh moving in the path of his will !wah! it's like everything goes, smoothly you know you can see power in in in his will and


see miracle one miracle after another I believe there will be two more miracles where the downstairs shop should be two you know actually now one person wants to wants to get it right but it's half of the price you know, of my shop you know three years ago so I don't believe this is the miracle so but at the same time I'm asking god if is if is his will because another prophetess actually saw


two the shop was divided into two so two parts were being rented out so I believe if this is the one right so I'm asking the the other prophet that you heard right that guy asking him to give me to confirm whether it is two if is two, then I will dilly dally with this guy


no no no two more downstairs they saw ah actually two you know divided into two so I'm very glad lah if this is so ah, well I just want his miracles go through I just want his testimony and I only interested in glorifying him


so it's not the money you know I'm not I don't even bother in fact I never even bargain so that guy is pushing the price down all the way and then at the same time asking me to do a lot of things you know ask me to level the ground, ya that's why


yes but the ya correct


yes yes ya but the thing is ah even if there's a bakery coming right uh on sunday the thing is ah even if I rent to bakery right


according to another landlord you will have to change electrical you have to change electrical ah increase to one to one hundred ah I think I gotta pay another ten over K so like this kind of thing right is happening is happening, ah it's red again ah


ah hello is red again stop again it turn off stop again, submit first okay can already submitted already leave it ah no need to turn on again


correct lah this phone in fact I'm holding onto it ah still giving me this kind of thing


ah ya okay okay so leave it like that now, ya because I'm holding onto it I thought it will not turn off right my face is in front of it yet it turn off


supposed ya cannot ah you, oh this one okay let's continue err, computer is running don't worry okay the thing is uh uh even if it is anything right it'll comes with anything right I have to still come out the upfront money because the tenants uh you know they're like


you know you know what I mean right you got to help them, but then I also look at other shops right !wah! there are some shops right the people renting right they do everything from start you know because those are the people who really got a lot of cash, so I said is it possible god that I will have these kind of tenants where they can afford to buy pay everything pay for every all the renovations and doesn't have to involve me why not miracles can happen


of course if I were to rent to the tuition centre the I think just doing the ground leveling right cementing I think I don't think will cost that much ah, but the bakery one ah it was going to cost me much much more ten over K you know to invest in the other one maybe would cost me about three K not so bad so I have to think of all this


ya because my my tiles pop up you see my tiles, ya that's why my tiles pop up correct my floor crack the tiles crack because they put too near the tiling were too near so they crack so I will have to do the cementing cement before they can put the vinyl


so I'm still praying lah that god will direct me and give me the clear direction whether to whether this guy is the right person or do I have to, wait for the other two who are the other two you know ya that's the thing so you know


nothing like having a very clear direction ah from from above right he will know what is best for me so ya I'm still waiting see how


ya correct but if the bakery comes in and then another part rent out so actually the rental is higher than to rent to the tuition centre so you don't forget you know tuition centre ah if there's a third second wave circuit breaker goes again you know it'll happen again so but if it's big


bakery is essential food so depending on what you want is if it's essential food still essential services is still can stay open you know


!aiya! I the then then ya who will want to pay for this unless ah, that's why only ah only divine divine provider can send me a tenant ah who is so loaded know


and then who love my place so much uh then ah I'm so blessed !wow! I I think I'm very blessed lah it can happen ah what about you margaret how about you any anymore positive things other things


ya how


ya I know they they they have a lot of courses


!wah! good ah that's why at our age ah ya at our age we still can learn ah fantastic okay good


ya my daughter also told me to go and go for the harvard but actually I'm so busy you already you know what am I busy about because like like uh Zoom right there are a lot of other things to learn so I'm doing that


correct


!wah! you ah


for me ah I'm spending most of the time teaching I spending most of my time teaching this teaching that so I don't really have time to learn uh the thing that I learn will be more like spiritual stuff, okay I've already sign up for like some dancing class but it's prophylactic dance


then I learn like shofar playing shofar you know but that is for the battlefield kind of you know uh shofar so I love doing all this because I I find that when I play right I can see victory in a lot of things, like okay if you are frightened then blow the shofar !wah! after that you will see uh the thing like moving off that's what I did know for my shop cleansing right


I blow the shofar we blew and blew and blew !wow! I tell you ah whatever inside there ah scary stuff ah all flew off , all fled from the scene ah that's why when I wanted to rent the place ah three years didn't rent right


you know ah three years didn't rent, and you know what happened on the eighth ah we did the shop cleansing right and then you know ah on the eighteenth ah itself right suddenly ah somebody urgent a company urgent and wanted to rents place for the staff and didn't even want to see the place you know so just took took the place you know


and at night ah midnight ah they sign and they paid me in the midnight you know can you imagine I got it rented out this week because everybody were to look at my shop upstairs ah is bare unit nobody wanted to rent over the three years, because is the classroom what so nobody wanted there's nothing inside whereas this this company actually paid me first


okay you go and buy and it's like saturday signed sunday they move in without anything I have to quickly order so they went without washing machine without heater without anything so within the one week ah I got all these for them so I think really is the grace of god and you know ah the agent who came right


on the ninth after the shop cleansing you know what he said !aiyo! like very peaceful ah I say you know why yesterday we prayed what we blessed the place ah don't know what also disappeared already , so fun ah I tell you ah this kind of thing ah spiritual stuff believe or not right three years you can't rent out until ah god come came in ah you invite god come in ah bless the place ah powerful god inside there ah you see blessing


ya !whoa! really you know it's like weird hour you know so late at night and we got it know sign and paid some more, over midnight ya paid me you know , this is very unusual ya


ya all the foreign err six six from the same company malaysians are all from the same company, and I thank god they're very well-behaved so all young young young youths, ah ya better know they're better off easier to handle yes eh about to you're almost done yes !wow! I tell you we're so happy we are we are the happy people all done I no need


right so we'll just go one by one here ya uh, ya uh do we have a savings account yes uh I do have a saving account uh actually I do have two different savings accounts ya


and the reason for that is uh I actually plan with different banks myself because I uh I realise that it's not easy to uh manage your finance under just one bank account, ya because end of the day


it's easier to have a a distinguish differentiation between uh what is the account that you need spend and which is the account that you actually want to use to save uh money ya uh including for investment and so on from there as well, ya what do you think about this #siew tsen#


you are referring to the savings accounts right ya ya correct , oh I see I see right so I'm I'm actually using the DBS account and as well as like the uh uh OCBC uh account ya it was actually opened during the poly years of my life ya so and so uh


that that account was actually like a so called like a it was actually a good deal back then to open it because end of a day ah they say they can you know uh just open an account just to get something out and the uh at that point of time was quite, interesting because you you're able to customise basically the card designs so on from there so that was actually what I was into back then lah ya and it was a free thing to open account and it was just there so uh just when ahead open that thing lah from there


mine is just I think it's just a very normal kind of uh can't remember the name for that I think is FRESH or something ya, ya correct but it it's just mainly as a is just mainly a saving account for me the the thing about OCBC bank is that the interface allows you to actually customise the saving plans and things around from there yeah correct like for instance


it allows you to actually park park these category whereby it uh it shows like you know uh you are saving for a specific goal, uh and you can actually like automatically put in your uh money uh as a substituting unit into basically that uh that so called account within your account ya so I thought that was pretty helpful for me in terms of like trying to save uh more actively


ya I do have a hard time trying to save money in the past ya I was just like you know uh I'll just spend whatever that I, I earn at point of time and uh I realised that it was because I didn't actually have a system myself to do this thing and I realise that you know


this uh bank uh interface on the I-banking side actually helped me a lot on that, the yup yup correct so let's go to second question here credit card wise uh ya definitely uh you know credit card is a part of my life right now ya I think that is a very important aspect of my life unfortunately uh because end of day


ya I I tried initially I try not to use it ya because uh I don't really like the idea of like owing spending more than uh you can afford that was the initial idea, ya but once you start to actually go into that realm of like spending you realise how convenient the world has actually made to use credit card to spend you talking about payWave you talking about like you know just tapping and and don't even need to put your pin number so that so is very


it's just the whole experience of using a credit card that , that makes it kind of like a convenient you also feel a little bit like you know premium whereby just tap it and then just go ya which is uh which I guess is what their advertisement has been doing and showing us over the years sia and it just make you feel like you know uh


not say that you are the boss kind of feeling but more of like you know you you just feel very very premium and you can just like convenient to to have that kind of technology


I see I see ya correct for me I'm I'm just using the uh POSB like a relative, kind of like uh master card ya I mean uh it was my first credit card and I just like you know I'm I'm a little bit restricting myself from getting too many credit cards because the thing is that uh there are some bad stories about how people actually


roll credits in there from different like credit card and using one credit card to pay another credit card's dept and it just keep rolling and rolling from there uh ya I, uh I think that you know uh for POSB one even though is very basic ya but the uh DBS lifestyle app actually has quite a lot of like rebates and uh well let's call it like rewards for that as well uh it's probably not as good as like UOB one or UOB kind of benefit but


it's actually more towards like the general lifestyle thing for example if you actually uh hit a milestone for spending a certain amount of money this month right they allowed you to actually get like a cashback up to like I think about five percent or something ya so, uh in the form of like voucher or spending and so for that so it's actually I mean is not a lot but end of the day


if I were to spend money and is within the the range that I I budget myself to spend during that month I think that it's actually pretty okay to I would say like you know have that kind of like to park on, that direction lah but that that being said I I still don't really I'm I'm still a bit uncomfortable with the idea that you know you have to uh owe people money ya owe the bank money and wait until that day to come


the few days before the few days before the the credit card statement come in personally right as uh it is one of the not say worse feeling in the world but is more of life uh you just waiting waiting to waiting for like something to happen is like you know it's just going to happen eventually so


it can get a little bit like you know irritating in the sense that uh you you want to see how much you've spent and you know you are guilty of spending a lot that month so you're just waiting for for it to just happen there and uh ya I think that you know , sometimes sometimes you just like


sometimes you just get that feeling with credit card in general ya I do have one OCBC one credit card as well but I it's more for like a, on standby in case like you know that the the POSB one the the P uh POSB credit card actually has some uh issue here and there ya and uh it's very convenient for credit card because uh if you actually allows like overseas withdrawal and when you go traveling right uh even though it's not really encouraged cause of


the service charge ya you you do you are able to actually still, uh withdraw money through your credit card if you allow oversea transaction that way, ya is is a last resort because end of a day sometimes you know you overspend overseas by accident you know accident ya and uh you just need to actually have the extension cash there or even like you know transaction overseas from there


ya that's true ya YouTrip is also consider a credit card right if I'm not wrong, right right right yes ya YouTrip YouTrip has been uh so helpful man I mean the thing is that I was introduced by it uh I was introduced to YouTrip I think about last year and uh uh they they do offer like one of the better kind of commercial rate you know uh it it in the in the so called app itself from there


ya correct so uh I'm I didn't explore much for YouTrip because uh uh unfortunately due to the COVID thing happens so uh we don't actually get to travel a lot on that thing ya but, uh I think at that point of time to my understanding what it is lacking is just on maybe say the YouTrip rewards points if I'm not wrong I'm I'm not sure if they actually have something like that


ya, correct but I


ya !oops! sorry sorry I'm going to pause you ya uh ya sorry ya uh #li ting# the phone actually (ppc) uh flashed out for a second there so uh the recording is actually paused


ya ya it's actually paused like I don't know you got to see or not but ya the app actually like you know uh stop the recording, ya ya I didn't tap for us but I was going to tap it but then I couldn't tap it on time


yes yes it is it is recording


okay go no problem so so I just let it, okay go no problem ya can so ah yes sorry about the distraction there ya so uh you you'er saying ya correct ya, cool cool ya correct uh some might argue that bank interest rate are unattractive uh ya the thing is that


I do have a lot of insurance friends who like you know tried to convince me to buy uh saving plans with them, ya and uh and ya the thing is that the thing about them is that they, uh they it they they make it like a point to always say that you know the bank the kind of interest rate is actually not


that that nice lah so essentially uh they actually do one they actually prefer they actually ask they always use that as leverage to say that you know uh if you're going to save money there why not you save money with them so that you know you get the highest recalled return of interest from there, so I do have one or two basically like you know saving plans with insurance ya but end of the day


the the problem here is that you're not able to actually take out the money from there ya but I do admit the end of day the idea for having a so called uh bank uh is, really more of like to still to still basically like you know use it as a place to store your money any other interests like that it's really more like a like a slight bonus for for me


is this through a bank, oh right right which which bank does uh allows does banks usually allowed that ya I'm sorry ya I'm not I'm not very privy of this ya, oh ya your team UOB I see


right right I see I see ya correct that's pretty interesting there ya I'll definitely explore that you know end of day uh I think, uh it seems good to also invest like some time to talk about the future from there ya I don't really have any investment plans in my bank at this point of time ya but other my OCBC


app right when you log into the I-banking uh there's always this category there that says like you know uh you might want to explore investing in uh banks from there like a small little tap there it's not really advertisement but it's kind like in in built inside the uh your saving kind of like uh interface uh


talking about some blue chip or something like that which I didn't actually explore that on my end, ya correct correct but err loans ya interest ones I think the end of the day , it's it's do is is pretty safe definitely ya correct but uh investment wise I would say that you know what you did was a good idea but for me I actually went different direction I invested in basically insurance related kind of like products lah ya they do have their uh communities that you know that allow us to actually do it from there


so , I guess that one actually more of like uh they did say it's kind of a safe investments which I think that you know it's really depended on like what you're investing in from there, so that's actually for the the loan thing


others actually for the interest thing ya, yup correct ya so uh question four experience of getting a loan ya , I, didn't actually, done this before you know I never really like you know approach a bank for only loans before myself


ya what about yourself


do you think couple should combine their finance and open a join account uh yes I think eventually like uh that's important to do ya correct but not


everything into not all in into that ya I mean it still good to have your own account from there but I think that a join account is important, uh when you talk about say lah you know family uh related matters in terms of like you know maybe say your future kids uh investments or like you know overall investments and stuff like that I think that


personally for me it would be a uh third account whereby I will actually deposit uh money in monthly the uh just to segregate the uh finance and in a way it's kind like uh in a way it's kind of like basically a


a two person savings account ya uh not for rainy day but also means more of like you know for expenses and stuff like ya that for things that are more for things that are more basically like , family oriented like maybe say living stuff or like you know buying groceries and so on from there that one that should actually put from there I mean end of day is still is still good to have your own account you know just for your own savings and so on but I will say that you know uh it's good to actually have a platform or like uh saving plan to allow


people to actually like you know contribute together on this thing


yup yup correct I think is quite important here ya uh unfortunately I don't have any of uh so call joint account yet myself ya uh but you know I'm looking forward to one ya, uh yes question six uh you want to go first for this one


so you talking about secondary school onwards right, that's cool


y correct I would say that you know uh I agree with you on that because uh I think that from secondary, school onwards they should be a bit more they should get more responsibility and a little bit a little bit more taste of what the uh adult world is like


adulting to a sense certain sense ya correct but, I would say that you know this year would be a special year due to the COVID thing right so a lot of things actually happening and uh changing in terms of payment methodology I as much as I think that you know kids should


start to actually get this responsibility and have a budget monthly through saving account which makes the parent's life easier as well instead of like drawing money out every month right you can just like uh set a GIRO thing to to send over the money every month ya but I would say that you know


there are times I I believe that you know uh kids nowadays are lot more technology savvy ya so there could be a chance whereby , uh the the age the age limit not say age limit but more of like the, uh the the general concessions here for the age to actually get these things right actually happens uh at a earlier age maybe in primary school and so on from there I mean kids nowadays are actually getting smarter and smarter with smartphone and so on so


when you go out with their friends and so on like that I think end of day [ah] they do get exposure of this thing and (uh) ya probably something that will happen in the next few years there, (mm) yup correct


yup correct uh uh let me scroll first for the first one right ya uh discuss something you watch or read that gave you goosebumps, goosebumps


I will say that you know uh, I read that you know they are they're really ridiculous people out there in the world that you know they have no boundaries ya and, uh you realise that you know the things that they do is just beyond common sense ya like basically I will say that you know uh I I personally don't disagree with the fact that uh you know how how some


uh people how some how some how the india country actually have this uh perspective that uh when a woman dress sexily right uh they're asking to be you know uh go on from there ya it's it's just that kind of news is just very negative because it makes people it's just makes you feel that uh why people can be so self-entitled in that sense


ya so that's actually one of my thing that I actually uh felt , ya goosebumps about ya you


yup, alright go ya uh a time whereby, ya quite uh the next one ya yup a time whereby you feel that you've committed something gravely wrong and you can't actually restart uh you want to go first for that


true true ya correct I guess the thing for me is that you know uh I I do have one experience like that is that, uh, I was too overly trusting of like some people in the past there, ya we shall actually created some kind of like problem internally uh you know you over over over-trust someone and then after that you you get back stabbed by them it was very is very like you know


a painful lesson not just for me but my family as well ya financially err is something and emotionally is also another thing from there ya so, I won't say that you can't get up uh get back up and start over it's just that you know uh when something actually happens like that


you kind of feel that uh this is something that you can never ever recover from, ya I think end of the day it's not a bad thing definitely but it's it's a negative thing in the sense that you will never ever be able to get over or see things the same way again but you know it is important to actually be positive out there and see as uh something


to protect yourself in future, ya so ya an event that makes you very angry ya you want to go first for that ya,


yup, ya correct uh I guess I have something similar to that but but for my I think the description here is actually more self-centred ya which is kind of similar to self entitled to a certain extent but, I will say self-centred is actually more like you know people who thinks that the world revolves around them you know everything is about them and like you know it's about I I I you know I want this I want that I think they should do that thing


this uh I I will say like you know it's a bit it's a bit, sad that they are people like that and this is quite disgusting to be honest that they they actually feel that they are right to do that ya and then there are times whereby you know they actually kind of like pressurise you into doing things that uh that is to their advantage


and they they do they it sometimes it makes sense logically but, uh from a emotional point of view the EQ wise it doesn't doesn't make sense and the world the world has actually become a place whereby you know you you have to be more emotion you have to be more like you know logically sense rather than emotionally sense and sometimes


you know you know that these people are wrong but at the same time you can't tell them like you know that they are wrong because logically it makes sense doesn't make sense ya correct ya it's just just a little bit weird that thing happens lah so what disgust


me , well I guess it's something similar to the first one ya but , I'll I basically going to say that you know I actually very disgusted by like you know a lot of like people in singapore right now


ya because end of a day right they uh they are actually like you know uh what you described as like know uh self-entitled quite badly ya because end of the day right they they feel that you know because they're they're in singapore and they are title to a lot of things are entitled to one thing entitled to like you know entitled to basically different


elements uh and a job and so on from there ya but, I think that you know a lot of us we, those who don't travel you don't, see through poverty, I mean people from like you know thailand from vietnam from like you know philippines all that they come from like basically a background of like know far far module like you know low income family that is truly low income the low income family in singapore is actually still pretty okay I mean end of day theyare still well covered by people from debt ya and


okay one more major thing here is that you know I , I think that you know what's true disgusting is that uh a lot of people actually they take would take the easy way out, in a sense that uh you'd be surprised that you know there are some beggars uh around singapore that that they are doing that because it is the easy way out


uh if you actually go to the uh CBD area in singapore right the the the the beggars there in a sense right they actually do charge you higher you'll be surprised you know ys to to buy basically the simple things there, ya like a one little #chap teh# kind of like product them right they actually by right I mean


it make sense for me to that it is going to not cost that much, ya but , that one thing that one thing was actually like you know saying that it costs more than the amount of money I want to give her ya correct so it just felt very like under-managed that's what very disgusting in that sense lah and there are people who actually lie just to just to get that simple just just to basically get easy money in and I think that's very disgusting from there


yup okay so an issue that you feel upset over, and you feel the world is to do something about it uh you can go first for that ya


and it shouldn't, , ya correct I think that ya the world is just uh overly reactive and a lot of things and uh they are they are one of I actually upset about is basically uh how extreme people can be uh when it comes to like


perspective and so on we're talking about social justice warrior talking about people who actually you know go over in terms of like you know uh social social related pressure, yup correct there was this like a advertisement I saw on like uh I think Calvin Klein advertisement a while ago and there was one thing that they just say there about how you know this this advertisement about this I think lady who is actually a bit more I think I would say they go to obese


ya correct not not not saying that is bad for that I mean end of day right this kind of thing is is is good to be comfortable with your own body and skin ya but I I think that the world has allowed people or even like uh I would say committee of cults that actually


overly extreme this kind of things you know they say things like you know if you want to be uh you have to be fat all the way no need to care this kind of thing from there and you can't actually like you know uh you shouldn't actually like know post your when you skinny picture and like you know working from there and uh if you actually one to


take a step to be healthier right they will immediately just say that you know you are traitor to the group and so on is is just very uh toxic kind of culture from there and it's not just on this uh topic of obesity but I think that in general , a lot of things like feminism or even like LGBT and so on from there it it's just very extreme you know


uh I I think that the world has deserved its its right to love freely and like express themselves freely from there ya but uh it has evolved to a a point whereby you know people just get really really I would say , extreme about this sort of things you know and uh everything they do is just like a movement and they just get triggered easily on this aspect


and, ya I think that you know the world is actually I know be a better place for all of us here otherwise the thing is that the the the next generation is definitely going to suffer from there, ya correct so the post-COVID world what are some of the worries anxieties that you face uh


oh job is definitely one thing ya I would say like you know uh I'm I'm I'm constantly worried about basically the the job uh market and uh of course like uh what's going to happen in future from here ya, correct and , like are things going to be the same from there ya uh I'm talking about traveling of course ya because end of the day uh ya I I do miss traveling a lot you know with my partner and so on uh and the things is that you know there are a lot of things that we actually want to plan and do together which I can't already do from there


uh I think at the end of the day a lot of a lot of the world has the world has always been about basically doing things outside, ya I mean from from when you're from from olden age and so on right I mean it's like you know hanging out in the coffee shop uh you know hanging out in cafes or even like hang out thing like that it's it's really more of like you know places to do things together so I won't say to worry anxiety but it's really more of like you know


even though it might be a post-COVID world right uh I'm uh I'm concerned that people actually uh, take things for granted again, ya like you know they just feel that you know is easy to just I would say uh it is when things are okay they will just like you know go and do do things again and then in the end uh they just kind of like you know get the whole thing back again from there ya and


at the same time of course you know is a very, uncertain market in a sense that, err what is going to happen in terms of like you know how we actually do our lives like you know are things going to happen digitally and stuff like that I mean end of the day meeting someone face to face uh versus meeting someone uh online right uh is a very different experience you know you talking about body language and so on which is not able to actually do it anymore


yup yup I agree on that ya, so a time whereby you hurt someone's feelings, uh, okay I would say the most impacting one for me was when I was younger you know uh I uh I guess the things that you know uh uh at a point of time when you are really not


uh mature enough you you do wait uh we do actually like you know uh have outburst of like you know uh things randomly and so on especially during let me say puberty period so uh what happened was that I , I think there was one time I scream my brother randomly ya it it makes sense to me at that point of time but after which I think that you know something that


I think I think something that you know uh is easily impacted our ah it really impacted basically the things from there, so ya I mean end of the day I I think that something that you know it really hurt uh his feeling quite a lot because I think that then our our relationship actually got affected a little bit more during the point of time but is getting better from here


ya, yup yup, correct, so the worst thing that I have witnessed and kept quiet about , I guess there was something that I I think when I was younger I guess like you know at the end of day


worse thing I've witnessed and kept quiet but I'm sorry I don't have anything like that actually ya correct I don't think I have anything along that way


oh, , I guess ya ya ya that's that's a pretty, and it's a really really crazy thing there actually, ya ya, correct ya okay yup uh recall a scene from movie that make you too angry to watch I I guess personally


I can't remember which movie is that but I think there was something along the line whereby you know they actually betrayed like the family member and I think some kind of execution on the spot ya I I I absolutely cannot stand that kind of thing you know you talk about say , when you actually


try to do something to someone , for our for our family members right is quite, uh ya and it makes me really angry from there because I I believe that you know uh I believe, family values so if you actually were to go uh go okay I think the I think the film was something about basically this gangster actually go ahead to


uh go against this other gangster and then after that you know they actually did a they actually bring the family which is something that is not very honourable in that sense ya so I think uh I watch until the end but you know I was quite angry the whole time for that ya


yup no worries ya greatest fear, greatest fear greatest fear greatest, ya, ya you you want to go first for greatest oh wait uh describe a time whereby you are unable to help someone in need


uh, okay I guess that one is usually more of like you know , I guess like there was one time about someone actually want to borrow money like it was a malay it was a friend uh who actually like you know came to singapore to to work from there and


I I think I still regret the decision a bit today but I think they actually tried to borrow money from me at that point but uh I I felt I don't know why but something told me that it was actually more scam it is it was it was close to a scam for that that's why I actually


actually I no reply to that uh desire but on and off I do actually think about that and uh it it kind of makes me feel that you know I I could have actually helped her help them on this thing and you know maybe say a change from what they actually do from there


ya yup correct so


okay right so travel experience that left you in awe ya xu xuan you can start first


(mmhmm) okay let's go ya uh myself what is the thing is that, uh travelling well initially I don't really I initially I don't really uh, the the thought of travelling is not something that I thought I would enjoy but apparently as you really grow and stuff like that you you you start to actually enjoyed basically being detached from the world


travelling experience that left me in awe well, it's really not basically the place ya correct but it's more the people that you actually traveled with that's important ya correct like I I think that you know uh being able to uh I would say go overseas with your closest friends or your closest partner and doing things together which


beyond beyond just what is actually done in singapore uh it's actually very very awe-ish from there, ya ya, your biggest reward you ever have received doing awesome good deed biggest reward, from doing an awesome good deed


, awesome good deed ya well, well reward comes in, different kind of like I would say shapes and patterns ya I would say that for me, the uh the reward is not financially because end of the day I think that you know everyone can actually get that from your career and so on ya but the biggest reward is actually knowing that it's actually the sense of like


satisfaction that you do help to change something in someone's life, ya when you help someone enough to uh it's not maybe a small favour but really more of like something that you know helps him to do not just a very simple thing but you actually like you know help him to change his life and get things going I think that's really beautiful from here ya what about yourself yup


(mmhmm),


yup


yup yup I agree on that ya so uh experience for your faith in mankind was renewed uh, this is something that is a little bit hard to actually like know describe actually yet but, I would say that you know one that my faith in mankind was renewed was uh


actually I don't really have one ya sorry about that ya ya and something to ignore eh I mean end of the day I I I am more positive about things in general ya correct okay lah put it I I do have one lah like end of day


the thing is the thing is that this COVID season actually like you know makes people feel and see things more clearly ya you'll see like know how the world actually reacts to people react to news here and there and due to technology I think that is uh uh the negativity or aspect of people actually like you know can show quite


obviously overseas uh online and so on from there so , I I'm actually quite touched by people who I feel like you know in the line of like helping and doing things uh silently ya to help out with the current situation


ya because the thing is that I I do know a few people whereby they actually like you know do that uh not we're not talking about just basically nurses or people from uh who are doing like you know, uh front line kind of lifestyle from there but really more of the silent warrior who uh silence warriors silence basically uh people at the back scene there uh we talking about like uh people who are actually like extending a hand do charity


doing something whereby they actually like help out with the distribution of food or even like you know you going out there to give like you know , tuition or whatever thing from there as well uh as well as like you know helping I think one of the most


one of the most basically ya bigger problem here in singapore right now is basically unemployment rate ya so , that there I I I do I do think that there are some people out there uh and I read some news about it whereby they do actually uh you know uh try to as much as possible to give people a chance uh


not just as a job but also more of like you see when you give someone a job right is not just about giving them something to work for uh you do impact their life in terms of like giving them uh uh a way to survive uh in singapore from there ya so I think there's something there's uh


uh is is is not something huge ya but and or glamorous ya but it's just something that uh the simple things that you know uh I would say in renew my faith in mankind


ya ya true I feel I ya correct I agree with you on that you know they they have the way that they actually reacted and uh unite as a country to uh get this thing over and done with considering how thet are like one of the biggest I would say like land uh in this world uh is a very good like thing uh and some that we all can learn from


ya, okay so uh ya why don't you go next for that one the next question, adrenaline rush ya (mmhmm)


ya I guess like ya I I uh I also have similar experience in that sense actually, uh one of the times whereby actually felt the biggest adrenaline rush uh in my life was uh uh when the the first time you actually go to a new country ya or the first time that you actually go to a country uh alone or something ya because the things is that uh travelling alone is different


I would say experience ya I mean end of day you might be going somewhere to meet maybe say like your friends or like you know from all around the world but the idea of like you know travelling alone and then , finding uh where even finding where your hotel is like you know they never explore before gives you a little bit of satisfaction because like when you touchdown you do have that sense of uncertainty


ya uh but at the same time right you know that you are well covered because technology is so I would say know good right now can easy just use a GPS and search around from there so, uh and of course you know english is like international language so no matter which country you go to most of the time they do have like english signboard somewhere here and there so


ya I mean I did go actually to korea once I think earlier late, late last year ya correct ya so uh I was meeting my friends and my uh my partners over there ya but uh I'll I had the I took a earlier day flight down for for to uh because it was a cheaper flight ya it was a cheaper flight that time so I actually went there myself and uh it's a very


different experience ya correct I mean , at at least you take comfort in knowing that you know is uh, uh it's somewhere that is uh somewhat safe as well ya so when you actually the the whole process of like know going to the hotel uh finding where it is checking in all that


uh it somehow give me an adrenaline rush which I is very hard to explain ya from there, yup okay cool ya the moment where you felt the luckiest ya you want to go first


that's true ya, that's good ya, luckiest ah uh, I I don't really have a a time whereby I feel really have luckiest because uh I apparently know don't have the luck of like you know scoring the lottery or so on from there ya correct but I would say that you know


, ya I I actually don't really have one don't really have one myself ya correct lucky it I guess the thing is end of the day it's just something that uh luck can luck can be something that you actually improvise and you can actually, increase the chances of like feeling lucky to me in a sense that you know the the more you do something the they increase the probability of you getting the result that you wanted and that could probably be also a form of luck from there


, ya, that's cool ya honest moment of my life I guess the thing is at uh honest moment of my life I guess , honest moment it's really more of ah I would say that you know


when you are able to, stand out in uh I would say is a career thing ya correct by the end of the day when you're able to actually stand out from the rest of the people and uh finally able to actually achieve what you want get a promotion and so on is quite something that is


I would say, achievable from there ya uh at this point of time also I think end of the day the fact and you know we are uh that I'm still employed is a proud moment of my life because end of the day I do know a lot of people who are a lot more uncomfortable uh not uncomfortable but basically unlucky and uh they they they made the choices which led them to be unemployed from there


so I I could've been them ya but I'm actually proud that, I I am what I am today, ya so what amaze you ya you want to go first for that ya


that's cool ya I would say what amazes me is uh, you, you never know how a person truly is until you actually spend time with them, yeah and uh I I have met amazing people in my life whereby you know they they


they just want to actually like you know share the good things with you like just uh helping you to do something because I I would say that you know they they probably already have enough of like financial satisfaction like they they have earn enough in their life to basically not desire finance anymore so


it is quite amazing to know that people like that uh not not not of envy but more like you know they they generally like you know nice, people whereby they actually want to give back to you one way or another from there, ya so that's actually something that is cool ya


what what makes you, ya you go first


at school ya uh what makes you wanna be alive is the fact that, I, I want to make a impact in the world like uh that that sounds a bit pretentious but I I do really want to do that because end of a day uh I believe that we are all here for a reason ya for a greater good for greater whatever it is from there


ya and I think that you know uh, we should make the most out of it you know uh by giving happiness you know giving love and joy uh to your families your loved ones and uh in other elements of that as well ya so I would say that you know uh being alive is


uh being alive alone is such a gift definitely ya I mean the fact that you know we're all here you know , have uh have having having like you know all our four limbs uh you know having a same mind uh not having any issues right uh and even if you do have some right I think that you know there are people who actually a lot more have it a lot more worse from there and


ya I think that you know , that's actually why I think like you know I want to be alive from there because end of the day there's a lot more for me to give uh there, alright so what is skill that part of ya


ya you just shopping skills ya


ya oh for me uh is nothing uh useful as useful as yours ya but mine is actually more of like uh I uh know [loh] happen to notice but I actually do know how to play the harmonica, ya so


is something that I actually self-learn from young ya uh is also actually one of the in fact ya I just remember that it's actually one of the, proudest moment of my life that you know that I actually know how to actually play the harmonica secretly I always like know feel that


I don't have the uh the luxury of like uh going through musical lessons myself ya so, ya I think end of the day it it was just simple back there it it reminds me of something like know simple in the past whereby there isn't any kind of this kind of uh technology and so on and you actually you actually like you know play with simple things like a harmonica and so on and


somehow or rather you know I I just happen to be able to play like some songs naturally from there ya as uh as something which uh I supposedly train my muscle memory to do that ya so is something which I think that you know a quite quite proud of my life to be do that ya


yup so when did you blush the most, ya you go first


blush okay ya blush the most ya, uh, well I'm I'm I'm someone that actually uh I like to plan surprise myself so the thing is that you know if you are able to actually surprise me I would say that it's something that is uh an achievement ya so uh ya what happened was that you know there was one time whereby uh


my uh one of my family members actually like you know appear out of nowhere not that close people but they actually came over surprise is a very simple things its a it's a surprise birthday uh cake, ya but I it really caught me by surprise and the things that you know it it it made me blush a bit ya uh as much as like it's a bit weird to say that but you know uh it was quite it was quite a blushing moment for me


ya quite favourite activity to unwind and relax


ya correct uh favourite activity to unwind and relax well I even though is a favourite but I don't really have the luxury of like doing that myself so often but uh the idea of like waking up in the hotel uh and just you know going for breakfast having a coffee there


and (um) you know just not worried about deadlines or like you know what's going to happen next is a quite amazing feeling for me you know the fact that you can just spend your time just idly by don't have to worry about you know your next chore


uh for me I have multiple oh ya actually have two savings account I think a lot of singaporeans actually started uh, using POSB as their their primary uh saving accounts like since young but uh recently I change to UOB one account


their current account as they do provide different kind of uh benefit like if you were to credit your salary into your, UOB's uh one account they gave you certain percentage, rebate percentage so if you were to spend like uh three transaction


within that month they give you uh additional benefit as well so I think UOB current account is one of my choice, for saving account, ya current they call it as current account


I I used to have a OCBC account as well is the three sixty account right


I do have a quite quite a lot of credit card because uh due to the kind of benefits that they have now, like previously there's uh flyer KrisFlyer miles card there's different kind of miles card cashback card rewards card


so previously I'm quite into uh, miles card as uh, you can do saving through you can collect your miles then eventually after you spend you you you will realise eh I can fly to korea for free something like that but recently due to the current situation miles card actually


err, it is quite a disadvantage already so uh I started using uh cashback card as well and uh I used uh UOB one, card, I I think I focus a lot of UOB card because they have a lot of all in one uh benefit so I'm using UOB one card which is uh they have different kind of tier of cashback for UOB one card


so uh I I think I calculated the the cashback was one of the highest among all the cashback card which is around around three percent but they have different kind of, tier so, depends on how you how you how you spend it


now they actually improve a lot on overseas transaction whenever you do a swipe you'll actually receive a notification, ya so I think it's uh uh one one of the factor that they did they help us to keep track


uh it's kind of like, I think it's debit card because you need to debit money inside before you can use or something


sorry sorry I think utrip is uh there there isn't much rewards to wages that you can if you are able to get a a good currency rate, because you know some credit card rates are actually quite, quite bad, but but now currently a lot of credit card they do enroll like if you were to spend overseas you can get like times four amount of miles or how many percent much back uh cashback so it it kind of


ya I think we can move on to the next topic


for me I I feel like as long as you plan you should put you should segregate your your saving into different different segment part of it to be in your saving account part of it in investment and uh part of


it in different kind of plans for me I I I do have uh I do purchase like endowment plan but I don't I don't currently I don't do any, investment yet so uh endowment plan it provides like uh higher higher percentage compared to saving account


but, it it it kind of help you save money, so after like maybe fifteen years after fifteen years you have a sum of money, which uh is your own money but it it is done over fifteen years so at the end of the fifteen years you have this


this group of money that you can spend on certain things like maybe house or car so I think it's a not bad idea and and the interest rate as well it's actually pretty high compared to savings account, so ya ya it's through bank uh it it is


is through UOB actually , but UOB UOB they tie up with Prudential so this plan is actually from Prudential as well


uh my current house is actually under HDB loan, but actually is not how say I don't really know much detail about it but uh we just take it as default from uh HDB loan, I think they they I think now there's a lot of banks actually offer uh house loan that is uh the the interest that they provide is they they mentioned is much lower than taking HDB loan but we don't really explore it to bank because we we we we believe that uh government will provide us the best


, so we didn't explore other bank loan for our housing as well


from for what I think is couple should have combined uh account only if they have a common goal like maybe they're saving for houses or saving for something big, that they wish to contribute from to both side so I think it's a good thing that uh couple should have uh combined account


at what age should a child be given an uh ATM card to manage their own bank, account, uh, I think uh maybe age of, after PSLE is age of twelve, is it


ya secondary school onwards, where they can where they can actually make their own decision already because uh if they don't have uh account it's I I feel it's quite uh, because there's a lot of things is going like uh using payWave or using uh


online transaction it's easier for them to have an account for for uh for themselves to manage their own, instead of every time coming back to their parents and ask I need to buy something online I need your help


rather than this ya so I think it, after age of age of twelve will be good for them


so so next will be (uh) cashback points or miles card, for me personally for now I think cashback, cards will be the most (uh) realistic thing


for recent err, yes I think for my experience is also very similar to yours like reading all these articles online having different kind of uh segregation between, different, difference different people is it it ya I feel people are very selfish


ya don't have much, ah okay ya sure


, actually I don't have a moment of this because uh, just live your life for for me is my moment is like I always live my life even though there will be regrets in life but


this it is a time where is already passed so I don't think that it's something that you should, you should doubt on it, everyone should just uh let it pass and move on


okay I feel, uh being being betrayed by a friend or felt like being taken advantage of actually makes me angry ya because there's a lot of people like knowing that you have certain types of advantage to take on they will come to you and uh


being close to you because of this advantages I I feel it it it it also brings to the next point where it really disgusts me as well like uh people how can people be so uh, just uh so self-entitled as well like they come to you is not just because of merely uh just pure friendship but


instead of taking advantage of you, sometimes when if you have a good thing to share about you will you will be very you you will just share among without thinking much, but, toward towards somebody they actually don't really have this kind of mindset


they take in more than they willing to give so that that's really, uh one of the point that if I felt very annoyed on


yes ya I think usually things that disgust us will be the humankind so, especially in this kind of situation now uh during the COVID situation sometimes I can, see people selling things that uh saying that it can protects you from the virus which actually not you know it it keep actually give like uh uh


uh a wrong kind of uh message to the person who actually purchased it even though maybe they purchase it or willingly but it just gave them a wrong message that oh after I purchase these I can I'll I'll be protected from virus but actually no


it is just like people how people use this kind of situation to earn money is actually pretty disgusting


I think uh, in singapore uh currently, you can see like uh, the, the poor families are getting, poorer because of current situation while the rich get people say the rich get richer I feel


we need to have a fair in this so, yes I feel there's something that needs to be done instead of rich rich get richer maybe all this can be even out so that the poor won't be in such vulnerable stage so I think this is something that the world needs to work more on


being at uh uh, uh average range doesn't really affect me much but I feel, yes, it it needs to have some balance


ya so one of my worries about uh post COVID world is uh, things won't can never be the same or, everyone is waiting for the vaccines to be created but uh is still a unknown yet while the economy is really crashing


in currents day so, if, any any delay in in in recovering I think I I can't imagine how bad the economy can actually goes to, but of course uh today I I saw an article as well once uh if a vaccine is being created


, the economy can climb back, actually pretty fast in in current world but the the anxiety of this of whether whether this vaccine will be even created or not, it it it's is another questions yes


uh describe a a time where I actually hurt someone feeling, how to say I, because I'm pretty blunt and I say thing sometimes when you're angry you just say things that it didn't really came through so I actually hurt quite a few uh my mum's feelings for quite a few times and of course I felt very regretted with it knowing that because you know parents always


do things that they think it's for your own good but at at at a age where you think you think that you can make your own decision but they think that it's actually from, ya so at the point of time I actually said things that really hurts her feeling


and, she actually cried as well so ya


I think one I think I met quite a few there's ones where I travel and we were at this bar, so we I I actually witnessed someone spiking someone drink but I didn't say anything think that was one of the moment but it was uh it was at scotland if I'm not


I think that was one ya quite uh


uh I don't really have a movie scene that, had this kind of experience before, no I think is is


okay uh, I think there's pretty I think there's too much things to help on, ya, describe a time where you unable to help someone in need


probably my friend when (um), when they need somewhere somewhere to stay


okay I do have quite a few travel experience last year actually and I'm so glad at last year I traveled to europe because after after the COVID outbreak we couldn't go anywhere so last year was really


the most uh awesome, choices that I made, to travel to europe, so it was really uh, awesome uh experience that I had


I agree with you as , doing a good deed can it it might not need to be like a very big good deed maybe like small things that you do every day that you help certain people that you might not even aware of but it changes their life I think that will be the biggest reward that we can receive even though we we didn't realise it


ya so even small small things like uh doing a small donation, uh like for current COVID situation you can do some donation to the needy people I mean all these small things actually helps them a lot even though to us it it feels small but it changes their life and uh it's already a very good biggest rewards to us


I will take COVID situation as one of the example as well as now everyone is at home so I been reading a lot of news online saying uh different kind of situation of COVID and what really ah, uh like leave something


a a great impression is how actually china, fight the virus, like uh they they actually, have different kind of , they they they feel I feel they are more bonded in this sense, like everyone singing at their windows like all these really


I I feel quite touched by all these action even though it's a it's a virus that is being outbreak from their country but, they but, uh being together actually helps each other to fight through this virus so, ya


this actually change my, my my viewing


uh what leads you to experience an adrenaline, rush uh , I would say travel travelling would will, will will make me have this experience, yes because going to a country where you don't speak their language


you you you tends to feel a nervous but uh it's it's kind of experience it's like you just have to go through it


I don't think I have a moment that I feel the luckiest but I feel , able to uh have a house to live in had don't need to worry about bread and butter, don't need to worry about my rice bowl ya I think this will be the luckiest moment as well


yes, and of course during these current situation where retrenchment is such high I still having my own job, yes and, ya I feel that the entire life I'm pretty lucky as compared to others less fortunate people


ya uh what was the proudest moment of your life, I think the proudest moment is uh, from graduation I feel, I think there was one I think most, people will feel the proudest moment when they graduate because after years of years of study finally you can step up to the social life and


what amazes me, actually is quite hard to just specify a certain thing that amazed me because the world is so big there's so many things that we yet to even explore, yes I I do find


when I visited uh one of the palace in in italy it really amaze me as well, like all the artifact, they have since the past and it's really uh uh quite a amazing uh experience that I have there and uh it actually leave a very leave a very great impressions


what makes you want to be alive uh I think there's a lot of point that I want to be alive I want to enjoy, I want to continue to enjoy all the nicest food in the world able to travel places that I have not been to able to continue my life together with the people I loved makes me want to be alive


uh to me I I think it's my shopping skill, I have different , like I'm, I feel I'm quiet resourceable like finding uh different kind of resources like uh


things that uh suppliers and stuff able to purchase things that, at a cheaper at at at uh yeah at a cheaper side so I think it's one of a a skill that people actually gave it to me even my bosses also say that my shopping skill is actually quite there so yes I think that's one of the secret


thing that I'm proud of having


I think there's, there's a, I think blush moment was a moment where you don't really remember it maybe someone who uh praise you or something you just unknowingly, feel felt felt real felt it so I don't really remember a certain moment that uh