right and and uh we we train almost every single day uh one week training seven days a week one day rest then after that we got to train again right so at that part of time, you are very focus on what you really want, ya you only want to uh


uh break it through to the club teams the main uh main teams and the national teams back then, so what happen there's once after I shifted to a club then luckily I was asked to uh substitute in in the second half for the main team you know


right, ya I I mean I mean the the first the first few uh games was purely really just uh one minute imagine you ninety minutes game you're going for one minute two minutes right so you you eventually get a hand of it then there's this one day uh we are playing on the live TV again this team calls the albirex niigata


yeah so what happens right my family were actually having a chalet at uh Changi, ya so they knew that I was playing this game but they did knew that I will not be field, yeah so what happens second half like came in a bit of jitters here and there because of the night game and I mean uh there there was crowd back then you know


and the fact that you knew that your family might be watching you played, yeah so uh went in for a sub, then within three minutes, uh I I I cam in by the wing alright the corner passed to me I mean to pass I went down the wing after that my teammate passed back to me uh I was running this through these japanese uh centre back this defender right I mean the first starts and I just shoot ah I just shoot without


without knowing uh where the ball goes and how hard it it it went you know and guess what it went in it went in it was the proudest moment and after that ya but but the fact that of course we are losing the game I only can carry the ball back and put in the centerpieces to restart the play I I can't run around centerpieces like a crazy crazy guy you know


but uh what happened is that uh we drew the game at the end of day and I mean the teammates came and thank you right they came and talk to you congratulate you that tell you a good job and that's not the end after that uh I've uh no no no no no but I still managed to score the goal


ya so but from there after that I made my way to my chalet with my my family yes lah you know so the moment I walked into the chalet everyone like !woo! you know everyone in the chalet that's probably, fifteen to twenty of them and it's crazy I mean I it's a one of the few time that I really feel shy about it yeah and I mean humbly ah I accept the the the compliments and all that but it is actually uh drive me to push a bit further as well yeah so I guess


that was one of the proudest moment in my life lah, yeah , yeah


, (hmm) I think for me is that , I've been to quite a lot of countries, then uh what happen is that I love adventure so I mean trips that trips that allow me to travel around and all that right I'll be


let they take it up as a challenge right so what happen is that when I join my previous employment uh my job right I met this ex-colleague of mine so we love to travel and happily we took up diving as well scuba diving


ya so he say eh ray want to plan not let's go, we go for a trip we we we, combine because we were super adventurous and we're like clocking all our our our, uh activities in one itinerary ya so what happens right the trip was in Bali alright we went to Lombok


yeah yeah so it's I think it was uh I think six days or seven days trips in Lombok, yeah so what happens is that the trip consists of three parts okay the first part is we did climbing of mountain okay we climb uh this mountain call mount Rinjani alright it's one of the highest mountain in Lombok


ya then uh what happen is that it's supposed to be it can be a few days height but we did a three days two two night so for the first day you start climbing at uh in the wee hours at around uh no we start in the morning


said the morning say around seven AM, so we climb up all the way to the, base camp and uh it's not like those bukit timah climb ah it's it's it's really a quite a good hike I think it's three point three point something clicks upwards


okay imagine the walking you walking around the track or going to a supermarket that distance but you going upwards right now yeah so you going against the altitude then uh the different terrains as well it have rocks, we have uh muds we have uh those very high uh rocks which you climb up with your hands or all fours yeah so uh we reach the base camp at around four plus five PM


alright with uh some pit stop in between, then after we reach there it was crazily cool lah so when the start I was still perspiring and all that you know !wah! sweating it's still so hot once you reach I think maybe uh eighty percent reaching the base camp right you start to feel the cold wind


because you are nearing the reach of the mountain, ya so from there you start to wear a jacket it's the way second third layer and all that, so what , initially was fine but I think when you as you go higher the oxygen you take gets lower and that's where uh


correct correct uh there's a disease call the AMS stuff it actually called the attitude mountain sickness so once you reach certain altitude the air get thinner and uh the thing about this AMS is that, uh it will hit you no matter how fit you are, you know so apparently uh okay uh let me continue this thing first later I tell you another story so for this right we reach the base camp then we camp there for


maybe uh from a start from six PM we have our dinner then we sleep until uh one AM, so one AM they wake you up give you some tea then that's where you hike, to the to the summit start from two AM you got three hours three hour plus to see the uh the sunrise


but if you were slow you still can see but it's a long, the way then it were not be so beautiful and enjoyable anymore so you have to wait lah you have to wait and climb to the summit within three hours and it's freaking cold it's literally uh dangerous very dangerous because the walking path actually


it's like you put four foot side by side that's the only walking path path, and the path that you're at is actually anxious which means it's very soft and you may slipped down, can during my time when I climb up one of the climber actually slipped down she slipped and she fell yeah she almost rolled down


the way all the way to the rocks but luckily one of the uh porter managed to grab her then end up just helping and all that yeah, you can google mount Rinjani it's a not an easy climb it's my first mountain and, back then I consider one of the most tiring mountain I climbed now so after that then


we we we came down in the afternoon then after that uh we go to the base camp the bottom base where there's a lake there it's super beautiful alright it's really beautiful after that one night, that night second night done uh we climbed down to the base of the mountain we took a night boat to Gili island okay there's now island in Lombok okay so we went there to dive


ya so straight away back to back uh next day you cannot dive because you didn't have a one twenty four hours gap in between then after that we did diving for two days, then after diving finished right uh we we took a car to the south we go to Kuta Kuta the south of Bali K U T A kuta we went to do surfing ya so this very interesting experience what happens right


in the in the daytime we did a shore surf at the beach area alright !wah! the the waves is maybe around uh zero point five to one metre only not very high ya so my cousin and I all are able to do it ah so we are quite arrogant in all that right so we had lunch then after lunch this uh our our guide


right took a boat and brought us to this space where two hundred meter offshore two hundred meter offshore another place right the wave is at least, two meter high can you imagine, in the morning you are just amateur then now when I went there and see shit all of them are pro man literally pro they can ride the wave like what you are only see in


ESPN it's the same thing so we went there and try try again again like multiple times right and we keep getting it by the wave, ya so so it was a hell of experience lah I felt I felt uh a bit exhausted when I came back because it's back to back but then it it is really fun it's really fun it's quite crazy lah I felt ya


what about you what's your I mean you travel a lot as well right so what's your best experience that you had most memorable one,


uh, !wow!


okay, (hmm)


uh okay, the trip ya


(mmhmm) (mmhmm)


understand, , ashes the ashes from the volcano correct correct


(mmhmm) (mmhmm),


(hmm) understand so I believe that yeah it must be one of your your luckiest trip I suppose,


, , , yeah


(hmm), yeah


so you must be really lucky that you feel alive right now I guess, , yeah, so we so we're dead right we're dead uh just a casual question like what makes you want to be alive


like it don't have to be very deep thoughts it if maybe it just walk with through your mind to just think it through uh probably next five ten years fifteen twenty years down the road or probably even now, ya what really makes you want to be alive I mean I start first lah okay then probably you can think first and you can uh elaborate from there


from from my youth right it's more of like, back then really follow a passion uh drive certain things you know see things like uh you interested in and, the fact that uh my passion don't really give me money lah I would say no financial gains and all that so uh after certain years ah I I also


talk to people listen to advice and I felt that, what really uh drive me to be alive right now is actually gaining knowledge, alright as much as possible that probably I'm not keen lah during my youth time and all that but I mean it's still not too late I probably still have another uh two cycle of now thirty years for me to drive through ya and probably as much time as possible


be good at certain things alright you don't have to be everything alright I believe uh you you can't be good at everything so be good and really good at certain things alright so with that , uh form a small community on your own okay it may not be those uh bad stuff like a cult and all that lah community maybe uh someone who's like


minded alright same interest as you then from there right just pass down a legacy and hopefully continues from there and help people with whatever you could I mean that's that's why I want to be alive with this mind mind thing what about you karen


, (hmm)


(hmm),


uh yeah


[oh] that's great that's great


, hello


actually I'm not very very sure about what exactly is trading but I think uh it's something that, would be interesting for me to learn, (mmhmm), uh yes I believe you do that as well right


uh, I think you uh in terms of trading uh, I I


I feel that is actually another uh alternative to actually to gain, , income ya but you know, coming coming to that I think it's actually kind kind of related to question one do it uh if if I think that investing or trading is his similar to gambling I would think that


it uh it is a thin line if you're not disciplined enough, ya because you know uh I think there there is actually a you know if you have the gambler mindset you know if you lost and you don't know how to control your loss you might actually you know uh


be investing more and more and you don't actually get into the hole ah in this or that what do you think


I think doing enough for homework it's actually very important as well,


uh ten thousand dollars account, eh, I think for me I might actually would have actually consult friends probably let say you know if they are financial advisers because I do have very close friends who are financial advisers


so I you know I would rather you know get them to help, knew that rather than to just to plunge in without uh you know without the the adequate knowledge lah, yup so I will actually uh you know do it in advice get advice from them and then you get them to actually help me with the probably with the investment


probably not all because for me uh I think it boils down to uh my character uh I'm not really a risk taker so uh I don't want to come to to a point whereby you know there is actually a a situation whereby I will I might


lost the whole the whole you know uh, ten K lah in that sense yup so I will be more careful I'm actually very I think I'm actually the risk risk adverse in in this case ya so which is why you know it comes back to me


you know uh to same same uh thing know it for me to actually to get advice from them, (mmhmm)


okay okay so maybe you you know let's say you have have you just mention about, the the windfall part as well so you know if you have a sudden windfall of that one million dollars, how would you invest, okay


I think same same sentiments I think, uh with that one mil I think probably I will just get another uh another property but the thing is one mil it, you know it's not a lot so maybe


maybe HDB flat for now, ya but I think I would continue to be ya probably staying in my parent parent place and then probably to rent out the, the unit,


no ,


that is let's say if uh I I I'm not too sure about, when we are be able to get vaccine, ya yup okay uh let's not let's not go go there ya but the thing is, in terms of the I mean let's say like twenty K I think probably the twenty K can be can be put to better use you know in fact that are friends who have been asking to do investment and all that hedge funds and all that so may be


part of it will be, you to get them to help me to to invest ya and ya I think properly and I'm I'm, I'm not really really familiar in terms of investing probably what I would think is that you know leave it to them to actually to to do the investment


and then for them to, I


I would I would want to know what is the panel of eh you know my investment so uh at least I would have to consider whether if I'm able to actually invest amount of money and whether if this ton spend is actually something that is feasible for me


yup, and then I think properly I of course definitely the returns the percentage returns that's very important and I think it also boils down to how much I know about that product the financial product and


also cost the person, I think the person is very important lah so uh, yeah whether if it's close friend because sometimes it's also a bit risky, ya, I mean you don't want to do investment because it's a close friend just just because it's a close friend and it it like he or she is telling you that oh this is worth investing yeah I think that


, (mmhmm)


ya I think I watch too too many episode okay, I, think money to me is uh, a tool


and for you to get something in return, ya


, okay now you reminded me, (mmhmm) (uh huh) (uh huh) uh yup ya


I think credibility is very very important but then again sometimes credibility, might not be everything because for example the lehman brothers, the subprime yup it it is because of their credibility that that is why investors are willing to actually invest money into into it


because of the displayed the product, (uh huh) ya


by then because I think at that point of time during the subprime , they are lending I mean the banks uh financial institutions are lending out money and uh even though were you know same same thing they're not credible


I mean like two people who they're they're not credible so it becomes a loophole in uh it just, gone downhill,


ya but I think because at that point of time the the US government have, when they decided that it's time to actually save the banks to save the financial institution is actually a a bit too late because it's actually snowball into, uh yeah lump sum


uh (uh huh) (uh huh) !ow! (uh huh)


yes but that will depends on you know the probably the recent performance and the market performance, and it at the point of time because I think uh at this point, the market is pretty volatile, ya


I think so sometimes it also depends on a little bit of luck, a day difference can be quite, a lot yup , (mmhmm) ya


I agree we ya should start should start younger, , uh definitely because I think not enough is being taught in school


in terms of investing, ya ya (uh huh)


okay yup, yup definitely yup definitely definitely yup so yup


so we press stop


ya sorry, yup


what makes me angry okay to to be very honest I have, pretty high threshold for I mean know for anger so I don't get angry very very easily but what frustrates me is


I think, I can't stand stupidity, yeah I can't stand stupidity and I think and I think another thing that frustrates me is actually like uh when I'm being wrong for something that I have not done or you know I've been maligned for something that I've


not, not done or it it wasn't my intention to do something bad, ya, so especially let's say you know if some someone says that you you have done something wrong and it's, you it is either that for example if I have not done it or probably is it wasn't even my intention to hurt someone or to actually you know to to do it


that frustrates me because I think you know sometimes I find it very difficult for me to actually express myself though I might seem very expressive in uh to a lot of my friends but sometimes I I actually not as expressive as, everyone thought


so I actually hide a lot of things inside me so that frustrates me because I, don't get things, sorted I I I don't get things uh you know, been communicate through, (hmm) yeah what about you what frustrates


(uh huh) uh agree (uh huh) uh agree


(mmhmm) so that is a pet peeve, okay okay okay okay


so what's the worst thing that you have witness and you know you kept quiet about, (hmm) okay yup (hmm)


oh oh


(hmm), (hmm), actually I couldn't really recall whether there's worst thing that I witnessed and kept quiet about because, usually I find it very hard to actually keep quiet lah but


uh, if I have to say you you have to say one is actually probably, uh, I felt very guilty as well, because , I have to, friend a a guy friend, uh, ya and you know because we we were involved in same


uh same, same event yeah I think something that told you told you before makes us happy, competition so so there's actually like a DJ DJ uh competition so there's one of them


the friend that I knew here, his marriage the forecasts yup so I initially just be we we we were all strangers we were be we we we came to learn about DJ-Ing and all that so but the thing is apparently I did know that


he was married, ya but later on I know because uh but he is actually his uh, in fact one of the oldest participant he's actually older than all of us lah so ya naturally he's married with with kids and all that but he had actually like four four kids I think


four kids ya four kids so once we actually had a event you know we had hang out and we we were actually practicing for our competition, so we you know we're actually we


it's a closed door event but we can actually probably bring one or two friends ya, uh, you know during the practice lah so that that that he he came and brought, uh, uh female right so naturally


I assume or probably all of us assume that this is probably the wife but apparently this girl is really really young probably, early twenties or even like probably okay no ya okay and that no I kind of that judgmental but yeah but because we know that he has he he has a few kids and his oldest son is actually eighteen years old


so technically his wife wouldn't be that that do not make sense ya but but at that time we, we didn't we uh we didn't think much of it so we thought properly it's it's a friend that that know he might have actually brought over I mean we can't we can't say, anything right so but uh you knew during the the event things like that because they seem to be very touchy over each other because the girl was literally sitting on her on his lap


yup so but we kept quiet about it and then it came to our semi-final and actually our semi-final is actually on a two two days it's saturday and sunday so, we happened to be the first batch which which usually having our competition on saturday


yup, so the girl came and support supported him lah obviously yeah I mean uh then it it, then it was sunday sunday apparently he would of course he because his session in his competition is over but we're still waiting for results and all that so he brought his wife along so this was the first time


I, I've seen his wife and I was a bit shock, and his wife is so nice and so, is she she she she's just like uh you know you know uh angel to everybody so you know I felt so bad about not telling


her, but the thing is at at the point of time because I don't know his wife well so I thought it was like it's only natural for me to keep quiet about it because he is my friend and I don't want to be I don't want to be seen as you know someone who wrecked on others and uh I think it's also a bro code


kind of, a bro code because you know we are friends first, but, subsequently because some I think things has been getting very really really ugly and uh I had became even closer to his wife then I am closer to him so I don't know one one fine day we were talking and all that and then I realised his wife actually knew about you know him having some some issues outside you know with


certain female and all that and it was not the first time that he's cheated and all that so, then I realised oh oh no I knew more than, uh, it's supposed to be and uh actually she know and she was actually trying to find out


more stuff, and I became, I really at the point of time I really feel very angry about it and, and I felt that I cannot keep quiet anymore, I really cannot but you know if you have to blame me for you know being the bad person and rat you know and and tell everything out


and she was like she knew that I know something and she was like begging me to tell her because you know she was like crying she was literally crying over the phone and I was like crying with her because I'm actually very emotional person ya so I cannot see I cannot stand people crying uh you know I started crying with her so yeah


uh and and I tell I told her what what I've seen, and it was not the first it was not a only time that you know he brought the girl, to our event because it subsequently we know we went out and all that we went for other events outside you know we we have uh like a group meet up and all that he brought the girl as well


ya so I think this is one of the very very bad thing you know a witness and and and I felt, that, initially I kept quiet about it but, but, I think my conscience uh yeah


positive experiences, do you answer first hi oh


proudest moment eh I don't have a lot of proud proudest moment though sad to say, like, uh I think probably one of the proudest moment is actually probably two years back in terms of like uh in work


related yup so I think for that year itself eh I think that is twenty seventeen yup twenty seventeen, also in the year of twenty seventeen in terms of my work, I think that's uh my personnel uh proud moment ah so uh in I think in march I was to talk


I think was ya the top, the the the third consultant, ya the top three consultant of the month, from march and then for october I'm still the the top consultant yup


so I think it was a proudest moment because basically, I think I at place , good, yeah a good candidates in in a job and one of the in fact one of the position was actually uh


head of operations for US yup so I think that is one of the proud moments because you know in in our in our company in uh back back then uh at my ex ex company, they don't recognise you for your works so they give you extra at first other than the commission part they are not to give you the recognition now you know your face is that actually on the on the screen like for the


for that one month yah so I think this is probably one of the proud moments ya, I mean it's within the company but I think uh yeah so and I think on top of that it's not just internally by I think because of of that placement my candidate was actually interviewed by many different news


was showcase on showcase on different different tag uh online news as well so because of the of the move so I I felt it was it was actually, quite a big thing for me ya and for my team as well


yup !wow! oh okay


!wow! nice one, oh


so yeah you the man of the match,


okay ya okay okay, so of course we know that you know uh spots the big part of you I think travel is also actually a big part of you as well so maybe can share with with me also what is you know the most


, probably most exciting on probably most interesting experience travel experience that you have, (hmm)


, okay (uh huh)


can you breathe well, that that altitude okay


okay, (mmhmm) understand


okay yup, (uh huh) yup sure


eh I, I don't think I travel as much as you though uh, probably, most memorable there are, bad bad experiences though , but I think uh, in general my travel my travel experiences of my


well yeah I mean they are quite okay in general but I, I think I like Bali, yeah I think Bali is actually very interesting so , (hmm), it's it's a bad it's a good and bad experience beside I think uh it has actually that like the most beautiful sunset I've ever seen yeah and yeah and I got to I actually paid


to travel to the middle of the sea to actually see dolphins so, yeah I think that is actually uh ya that left me in awe of definitely because they're just so near you they're just right right beside you yeah I mean I mean I, but of course you you dive and all that you that's different thing but for me I don't I don't do diving so that's the nearest I can do I can come to you know contact with the the dolphins yup and other than that uh


yup food is good, what else but the the whole experience about Bali, it's special it's because , it's also a kind of


memorable in a bad way because uh I think, you know the the the period that I was going uh you know was actually quite a bad time, because I'm supposed to reach


I I think I don't know I when I think it uh if I'm not wrong it's probably, december, of twenty seventeen, and it was one week, after uh the airport


is being closed, because you know the the volcano had erupted, you know yeah so they actually stop all the the flights from that so I was so afraid that I would not be able to to go because I actually plan on this like way ahead probably about five six months at least


uh, ahead of you know it or in terms of the trip, so I was ya I was so looking forward to the trip ya so but ya I fortunately I was able to go there, and uh because of the the closed down that airport and all that and and only like you know opening for that few days and I'm really there so there was totally no no crowd in the airport so I literally can just see a few people in it in


uh, uh you know in the airport and yeah so the traffic was clear even when we were there you know the locals were telling us that oh you came eh I suppose not that bad of a time even though you know or you know I'm gone it actually like start started to erupt


but actually it's still very far from where we are staying so so I got to see mount Agung with, all the you know the what do you call that the, ash yeah you read it that that you're from the volcano that's you get to see the the ashes from the volcano but of course not not that near at all I got to see the the dolphins


ya and food and all that but I came back with extremely bad food poisoning experience yup so it's a good and bad thing, uh


I'm also quite known as the queen of disaster lah so basically wherever I want to travel, something about to happen so when I travelled to hong kong, in twenty seventeen which is the same year, uh, a few months I think it's twenty seventy ya the few months back before the Bali trip


it was the typhoon near it there's the typhoon thingy ya it was like signal ten so that airport was again closed, I am supposed to I'm supposed, to reach on saturday, uh, and the airport was even closed due


wednesday ya so, I found myself quite, pretty amazing ah so I slept throughout the the signal because I was actually at the hotel because it's raining heavily so and uh, , you know


will you coming back from the from uh from you know from, shopping having dinner and all that and then we start to realise that eh the rubbish on the floor is starting starting to churn and flew into the wind, ya so we know that it's time to go back to you know the hotel and then uh


ya it suppose to yeah it's supposed to yeah so, so ya yup (mmhmm) (mmhmm) (mmhmm) I


I think what makes what what makes me want to be alive it's probably, I mean at this point of time I think, I want to make a difference uh probably not really a difference but probably a presence in all the people that I've met you know the met probably to influence their uh I mean in their lives


on a positive on a positive, you know of course and maybe to bring laughter to all my friends and my my close friends lah, lah, because I think part of the another reason is actually because my parents had actually both passed away so you know I kind of kind of


see like you know when when when they were you know alive and all that they don't seem to enjoy their life a lot and they don't seem to actually , have a chance to, to do a lot of things that I'm supposed I'm able to do now so you know


having said that you know I I I feel and I wish that you know maybe for me to be alive I'm able to help them to probably, experience or even like try out things that they have not done before, yeah for me it, kind of like indirectly living a


living, a life for them yeah yeah, that experience things that they have not probably I even travel they have not travelled to a lot of places my mum is actually a homemaker for for her uh you know you know the whole life so she has not travelled


probably not even like to to far places like it not even malaysia probably it during her younger years years ya probably the furthest that she has she has travelled is probably taiwan yup so I think, you know being able to be alive


and being able to actually do things like travel, you know to learn more (um) for them


financial related topic okay


so maybe I'll just start on the investment products so, for me I am only familiar with the investment uh trust fund which I have


signed up with maybank so how that works is you put in like a sum of money and then you keep you can choose how long you wanna keep keep them keep the sum there and then, it generates interest every month and it goes into your bank account


and, for me I guess you know because of COVID I did it at a point of time which, it was kind of uncertain how the market's gonna do but you know so far the interest rate hasn't really dip that low so I guess you know do you know anything about that Lele


, okay


oh


(hmm)


okay but but for this for this for this uh blue chip that you, you mention right, do you get to decide how much money that they deduct from your bank or, (mmhmm)


okay,


uh, you have to be very diligent in what you do


right (mmhmm) okay


but is the is the broker someone you know you trust or just someone you found online, ah okay okay see, (mmhmm)


okay ah but they don't charge you because you usually when you start an account they would charge you like a admittance fee or like you know to just to just start that account no,


(uh huh) okay okay that's only when you put money in oh okay okay


well, uh I wanted to uh initially before this right I wanted to try out rates as well because I hear from another friend because you know the one the one that I done uh the investment fund and rates actually their payout is somewhat the same


they they won't say is a guaranteed sum but usually is from like six to eight percent which is okay for me it's way higher than what the bank offer right and anything more than that they usually carries a higher risk


so this is somewhat medium, medium, which is something I'm comfortable with ah so yeah actually something I would have would have considered if you know times are not that bad or like market isn't that bad


(mmhmm) (mmhmm) (mmhmm) yah


or like ah the last the last I checked it was very low it's less than what the bank offer, high risk high return right


yeah those that you I think I feel like you really need foresight for that it's kind of or you know how maybe you have some kind of, some kind of news or some sort otherwise to play it safe usually people take a long do do as you do ah


yeah


, yeah


well I think I think I mentioned this before but, I find that the payout is not not that great I mean I'm not sure if you are talking about like endowment plans or anywhere along that line for me I only engage a financial adviser if I need uh


where if it's health related or like things that I cannot control think money wise, nah I just think that it's safer in my own pocket , never mind


, ya actually have I've actually did invest a bit in like bitcoins maybe two what maybe two three years back but but I invested with an with another friend so my friend is doing the investment I don't actively keep track you know how is it doing but the last I last I spoken to him


not doing great lah, that was at a point where you know everybody was hyping up about bitcoins and you know how how you how you hear everybody say like oh it's very lucrative and then


I invested a small sum which was which to me was okay you can lose it it doesn't matter, and then ya, yeah never keep track of it I should I probably should


, , , now I was more like a I won't even say is calculator it's just like a you know it's like gambling you just put the money out and then you you must be able to bear like part ways with that money right if not don't gamble at all so that's my take lah if if I lose that money it's okay at least I gave it a try


yeah, oh but I think for for investment at least the one that I purchased because it's a large sum right is this unit trust is like really eh okay at least I'll say it's quite a huge of money so


of course I'm not not willing to lose it all but, it's it's just, okay lah it's my first time investing so I went for something a bit safer


, correct, so so when I walk when I walked into the bank actually my intention was just to renew a time deposit account that I had with them and then you know the adviser just came up and then asked me like oh your


time deposit gives you maybe like uh at that point of time it was like one point five one point eight kind of return and then he's just saying you know you could do more with this money at a little bit a bit of a higher risk and of course you know time deposit you don't have to pay


any like bank administration charge as compared to unit trusts which you do so you know I went for it and and he basically showed me how the interest works , it's like initially I think they promise about two percent uh because of the exchange rate from from euros so this is under JP morgan the investment trust it's maybank and then they invest in JP morgan


stocks right so two per cent is somewhat guaranteed because of the euro low euros so that on its own is really more than what a time deposit offers, so the next four percent or more it's based on how well the market is doing basically the stocks of JP morgan so I thought like oh


okay since two percent is guaranteed then anything else is a bonus already !aiya! so that's why , correct ya that's like


insurance, ya she cause she's a financial adviser you know friends have to support friends so but but yeah uh what I


bought what was just life life insurance hospitalization health insurance, accident insurance so, nothing well like I said I don't I don't belief in the you know invest for or at least put your money in for ten twenty years and then get a lump sum at the end of it cause I think usually those money is kind of locked away for for the amount of time and then I just I just don't like having money put away


what if I need the cash you know on a rainy day for example like COVID right so uh so yeah I, pay about, uh say two fifty for insurance every month, as


what does it cover uh so it covers like critical illness let me just see I had to re-read my contract clause actively, so so I got two life multiplier so that it covers like accelerated terminal illness accident disability crisis uh early crisis multiplier or whatever so for each of these it covers like twenty five thousand dollars


and then another thing called pru term which is also like terminal illness so or disability they cover like about half half a million, if if something bad happens to you lah yeah


no I mean usually that's what they want to sell you right but yeah do you have one, oh okay


okay oh, okay,


yes but, well that's the thing you can never you can never predict whether this person will stay long in this company or they would go to another company


yeah I agree with you, ah, so, for your endowment plan how how how long is it supposed to last, okay


five fifty ,


that's true, but is that something your mum purchased, before or okay


okay but, okay, but effectively sounds like the money is not gonna to go to your education it's gonna go back to her right yeah this is why it's called insurance you buying insurance


, okay okay wise move , , , okay,


but I also think some people over commit when they buy this kind of endowment plan like you say you need to have someone trustworthy right not someone who just wants to earn commission from you so I've actually met people who for example uh savings plan they put too much money all at one go they they cannot keep up


as they age for example you have family you have commitments and then you just can't keep up with this large sum as you can maybe five years ago


(mm), (mm) (mm) yup, okay (ppl)


negative experiences well I think there are okay, adding something emotional or uh a little


little bit saddening for me today was uh the picture I saw on instagram someone repost, so that uh, it was a photo of a corpse, like a dead person who was infected with COVID and then they basically wrap


him up with cling wrap like a mummy, because there's just no proper way, to to how to put it to remove, the body or like this is the safest way to do it and then it just makes me sad that you know if if I was in that position this was someone I love while I I just cannot imagine you know you can't you can't properly send the person off you can't touch that person you can't


really say your last goodbye right and then well it was just, a bit yeah emotional for me, just actually a few minutes before this this chat started, !whoa!


like I mean we see all these all these numbers uh COVID cases everyday you you do you I mean to everybody's just a number but thank god nothing has happen to my family yet but you know it could be a number to everybody else or it could be your loved one


too so yeah uh just feel like, life is very fragile yeah


, say cancer or whatever yeah true


, yeah


ya it's worse I feel like it's worse that you pass it to someone than getting it yourself alive for like for me I'm like okay I'm fine if you know touch wood I die but passing it to my loved one or my family that that it's just a whole different level I don't think I could live with myself yeah


oh, no but I think the comment itself no no no it's what the government said that made me very angry, , yes


yeah,


I mean I can I I can understand you don't want to cause like a nationwide panic but you shouldn't spread the wrong information as well like ya ya ya for me also I mean it's my choice if I want to wear it or not you shouldn't tell me where ya


at that point I was like wasn't that bad so it wasn't mandatory but I don't think you should tell people not to do it if I want to safeguard myself,


don't want friday , , yes


ya lah ya lah this I just I mean blind mice lah they just follow what general public says so, well I guess in general it's just people being inconsiderate that's the bottom line if you thought if you thought more about others I'm sure


you know everyday we okay frustrates me oh, another thing that frustrates me a lot is when people don't say thank you, I mean it's like the most basic it's free it's the most basic thing to do for example this is while this is one thing that really gets me for example if I'm I'm in the lift right I hold the lift


for you the least you can do is say thank you, well I'm this really bugs me like when I'm when I'm in the lift at MRT station I I've gotten so pissed that I okay I I won't say that I


yeah I was not I wasn't enraged I was just a bit pissed so I held the lift for a bunch of people that came in and then I held the door again for them to exit


and it was as if it's my duty to do it and then I just said you're welcome very loudly as they left the the lift so, I mean these are little nitty gritty stuff that gets me


yeah, okay, like male chauvinist ah


well they sound like a very toxic people I hope you're not friends with them okay hope they're doing well


okay, okay true


!wah!, what's your greatest fear


really, which you are now which you are now


well I would say that is very tough because people spend their whole life paying for a house


yes yes, okay we can do it


, that I also I wanna I wanna tell you but uh


, yeah well, my greatest fear is dying though


I don't know how to put it it's like now you are alive you you get to feel things you get to experience, and then you just feel happy sad whatever emotions you have you can you can, feel it right but once you die you don't know where you go you yeah nobody knows what will happen


right just not being physically present yeah just just going away yeah makes me scared actually


well I have to I think I have to reach that age before I give give me a few more years okay to give you an answer for that, if you achieve what you wanted if you are sad yeah then maybe if you got no regrets and then


, oh my other fear comparable fear would be darkness though, bye yeah big black pitch black darkness


not sure if I shared with you before but so usually if I have to stay in uh foreign place or like a hotel room I leave all the lights on I leave the television on so the whole room is bright I open the curtains


I just sleep or I just, and uh I think I'm just more comfortable with having light around I mean it maybe a interrupted sleep but I'll wake up, every few hours but it makes me feel safe at least yeah


yes, yeah some people some people can't can't can't sleep with light but I'll say mine is because of my phobia for darkness which is something my dad instilled in me I don't think he did it intentionally versus me growing up as a child right can't I mean I was the first child so


uh my parents have quite bad temper especially my dad so I remember this one occasion that my dad was reading newspaper so I just went out and I tap the newspaper because you know it makes a sound right when you when you hit it , so I tapped on it and then it pissed him off so bad right he locked me in the room I'm not sure if I got a caning for that but uh well I just remember getting locked in the room a lot as a child no but I screaming my head off trying


to come out then I couldn't so it makes me scared of darkness until today, because I was a kid leh cannot reach the light you know how the buttons are always very high up right, when I was a kid you don't think that much you just


you are just scared because you are really scared so you just cry and scream and whatever you can do I couldn't reach the light that's all I knew, yeah so, that is my greatest fear and probably a reason why me and my dad is not uh me and my dad are not so close


uh yeah we we grew up with this kind of physical , I don't know physical kind of environment right, yeah


oh dear, why would he do that, wait it's it's allowed, it's allowed to air on TV, oh dear oh my goodness


does it bring him joy from watching it or is, okay


ah yes it's very long yeah, oh my goodness uh


uh, uh so it's it's like slices, oh, oh no, oh my goodness what did the person do to deserve this oh my god


is it a real oh okay okay, thank god ah uh oh


my goodness oh mummy I I can't take gore and, this kind of yeah, new movies where they have very gore bloody scenes I I don't like it as well uh too much for me


oh I agree I mean


chinese right a bit superstitious , well, yeah I do I do when when did you feel it recently


okay where where is this place, uh I mean if it's me when I go home late also, ah okay which is soon yeah well yeah that is my


least favourite months as well uh try not to go home to late try not to be alone, you know a bunch of things that your your parents would tell you not to do I guess the


at that point of I have you been to Haw-Par villa right, yeah, maybe can bring you right there to experience the eighteen levels of hell and I mean if he's into the cultural things


oh !hey! we should you should you should plan one sometime yes, well I don't or I don't exactly know yeah it it probably take you one two hours


two I don't even think it's that lor but ya they also say it's haunted, yeah, they've got halloween tours the pass as well


uh, I'm scared but I always wanna it's like when you watch a haunted film right you are so scared but you just want to see, oh


so after this COVID thing right do you have anything that, worries you, but you you mentioned you wanted to switch job so


, because everybody is trying to look for a job now especially fresh grads so unless you are willing to take a pay cut I which I don't think you will so


yeah I've got a friend who who I'm not sure if you saw from the television results was, yeah so I have a friend who got who got laid off because I I'm not sure how or what's the reason we're not very close but I think he was only with the company for a year and he was laid off but


he he posted it on on social media but he he he's not upset by it lah, he was he was quite thankful for the experience and then just believing that you know


know other doors will open open up even though yeah he lost his job (mm)


positive experience, okay, what makes you want to be alive #le le#


, I would say the same thing but okay what makes you feel alive


I agree, I mean you have to think that okay like the good outweighs the, bad and for me I feel most alive when I'm somewhere new and then


you just realize like while you know we're on the same planet but how come the things we experience so different for example maybe one woman you could be in the desert and you feel like oh you know time is still moving and someone else is experiencing something different just like how okay maybe now I'm here in singapore someone else


is experiencing something else maybe could be better could be worse but yeah it just makes me feel like oh there's there's so many things in this world that, we don't know, and then ya she just live it to the fullest


(hmm), so I will say that this whole lockdown really takes takes a lot of joy out of what we usually enjoy for example travelling right I would say that's the biggest bulk oh, yeah


yeah,


well I think it lets us escape reality even if it's just for awhile right,


ya okay , (hmm), so what's your favourite activity to, why,


yeah, so I wanna so I wanna thank you for for re-introducing me back to yoga, I really think it it gives me another opening to like


not only strengthen myself it gives me another way to like relax and then rejuvenate and then just be at peace with myself you know, and I like how it makes you feel after every session you know you put in hard work and then you reap the benefits of it afterwards it's like ah I feel good about myself so yeah I just went for a a hot power earlier on and now I feel great


yes, but the the whole point of saying core is like, you yeah in in your core you you need you have strength in your


core right to even go for core so power would be, okay


okay , it is a good one


I would like to try that well I mean valley reopens september eleventh I don't think at I mean that's what they say lah I don't think it's very optimistic to me to be going there you may not be able to come back but


ah I agree yeah, , there's not so much active testing as well so uh I saw as I just just earlier on I saw this quite I wouldn't say traumatizing part of a slightly upsetting picture uh it was like uh oh wait okay we are on positive


experience I keep it for later on positive experience I keep it for later yeah , oh is in indonesia is in indonesia it's a a photo taken in indonesia


oh ya okay, well I'll say one of my favorite places is grand canyon or basically the desert


so everytime I'm there I just feel like !wow! I can't believe this is really on earth, like is the terrain is just so different and it's like usually for me uh I'll drive from california so I mean california itself is a desert but you still get like palm trees and beaches and the ocean


but as you drive towards you drive up north towards Vegas you start to see the the terrains change and then you just realize like !wow! I can't believe, it's just breathtaking and then yeah the rocks are all red just from


I mean that was the O C babe yeah just !wow! out of this world for me get a bit emotional when I'm there, it's my happy place yeah, yeah


yeah yeah


so so I was there last year again right I went to this place called Navajo tribal park so it's, where the monument valley is we we rented a place we stayed with the red indians so I mean it's under airbnb


they gave us a little is is in the backyard of this red indians house they built a little house uh there's there's electricity but there is a, toilet so if you wanted to use the bathroom, outdoors and then if you wanted to shower they've got like outdoor shower you know like how you bring your own big bag of water and and you shower from there so


well I I think I I think I cried while while I was there at night cause I just never seen so many stars in my life, out of this world out of this world uh oh my god, probably but yeah what about yours what about yours


, okay


ya actually you're right yeah we're very lucky


that's true, but I see most of them actually like being in asia though


but we are I would say we are in in in, yeah in comparison to other races


that is true,


you got a point , just click baits most of the time,


okay what what what makes you experience adrenaline rush have you ever gotten it I'm sure you have


(uh huh), , okay but okay that's not that bad you know how some, people get that adrenaline from stealing this is very mild


, oh, this is a this is a very strange thing to say but okay so usually when we conduct new service right on board


you actually get adrenaline rush like like you can say I will start from row thirty one and then you you just wanna keep doing it until everybody else is served so you have a there's really a tempo, to to you doing things like for example but okay I'll take off the tray and I'll ask you what do you want to eat and then what do you want to drink and then everything you just like is like very quick so that there there is adrenaline lah when it comes to that it's very strange to say that about work right uh


but when you start you you you don't want to stop until everything is finished, so, it may seem that we're very #kan jiong# to do things but actually we just want to complete and maybe yeah the adrenaline being part of it so didn't know right all you think is ah coffee tea or me


yeah not sure if you can relate but please look at me differently okay, , , okay , ,


, I'm sure this happened plenty of times but I I don't actively keep track, do you it's like in your face do you


okay and anything that you you remember, we we don't yeah yeah we we try not to bear grudges, also right yeah I think that's that's us that's why we're friends yeah


(mmhmm), yeah what is my best surprise what is my best surprise my best surprise, lah surprise or


not uh I mean uh I'll be happy if I was, but, that's not the right time or speaking of which I actually plan a surprise for him outside , nespresso nespresso is having this


promotion where you can get the machine for like a dollar, but you have a like a monthly subscription with them for one year and then you can get ya and then this subscription is like credits so basically you are paying for credits every month and you get the machine for kind of free so


ya I got it and then uh the machine is coming on sunday so I gonna see how it how it plays out, quite excited about it like as surprise, so so they've got different they've got uh the subscription so they got different plans it starts from thirty five forty five eighty five I'm like doing a free


promo I can I can start working for nespresso to do a promotion but, but ya ya so I I asked him what his average on spending on coffee every month and then I found something that was quite suitable and then ya so he's gonna get a machine you know sometimes I know he he wakes up very last minute to to do work and then I'm I'm sure this can save him some time and


this is like quality coffee as well yeah why would you be interested, , oh cold brew okay but if it


okay as compared to a shot of espresso, oh okay (mmhmm)


(mmhmm), isn't it like uh it's like a french press but you put in the fridge uh okay what he has now is a french press so I thought you know it's a bit uh troublesome like you have to wash and then remove the powder and what not so I thought this would be a easier way to go


but me I'm not a coffee drinker I I really don't know about all these things too, I guess there's very overpriced coffee though


is it as as compared to to other like local brands where you get Kopi O, like Americano (hmm) okay on average how much do you do you drink a day


okay so can you live without it okay okay


okay so it keeps you !huh! okay the what the crash, !aww! is it like a food coma kinda feeling


oh, okay, you know how how people say they would they would take maybe you know you know you taken too much coffee when you start feeling like ah your heart pounding and then the


palpitation I have never experienced it I'm just thinking if I should try it , okay okay


oh okay maybe it was too strong I don't I'm not sure okay ya a big drinker right okay well


are you going to do anything this weekend , anything exciting, well you mentioned you were going on a I I I mean you mentioned you you guys were thinking of going for a trek or outdoor activity


what time what time, , okay that, that not late not that early


yeah we could plan something okay


financial related topic


uh personally I I don't do, like any investments and uh the unit trust or uh the product which I have mentioned maybank but I do have like a blue chip account with


uh OCBC so basically this blue chip, account is like a is like a unit trust like that but, simply just buy the shares of that uh, uh particular uh, what you call that particular company and then on a regular basis sometimes they will give out dividend yield so you sort of earn like the capital not not capital gains but like the dividend gains from the dividend dividend payout from those units of stocks at which you have owned


so uh but uh OCBC actually offers like a uh like monthly monthly they will deduct some money from your account to buy purchase those units, so I guess that's where like the dollar cost averaging uh plays out in which like every month when you purchase it it might be of of different values sometimes it might be higher sometimes it might be lower but averaging it out throughout the time uh this cost might be actually lower than if you were to buy at a whole buy at a bulk and


one specific time period so ya so so that is what what this blue chip uh, program is about but uh I have actually stopped it already so they stop deducting money from my account, what I have is the units that I have purchased previously and now on a monthly not say like maybe on a quarterly on an annual basis then uh sometimes when a company company actually announced dividends this will be credited into my bank account


yeah so I guess this is a bit different from just depositing your money into the bank because like bank deposits the interest rate as we all know has been quite low so yeah I mean other investments are probably, a better way to reinvest your uh income that you have earned yup (hmm)


, yes uh you get to decide how much you you want them to deduct from your bank uh you can set the amount that you want them to deduct per month uh this is a very passive style of investing which


if you are lazy like me then you will just let let the bank to the job for you, but uh I think active form of investing might actually, err pay off more, like in a sense that uh,


you you sort of seek out those those particular stocks which actually really generate higher returns and you short sell those stocks but this is the responsibility of a trader basically, yes exactly correct so, I mean I do have like accounts with uh brokers etcetera but it's just that I haven't


put in money inside cause I don't, I am a bit lazy when it comes to doing like my due diligence, or analysis on stocks or yeah or or the stock market in general so yeah it's a bit,


uh you can just do it via a bank I think OCBC also offer brokerage services, yeah yeah, uh, yeah I mean there's also robo adviser which you can check it out I mean there's stashaway


there's a what's that called that for I kind of forgot but ya I also explored like robo adviser at one point in time, and I, I sort of uh, didn't carry on with it I have an account being created but it's just that I don't I didn't deposit any money inside once again cause


no, no so so uh it's it's not , they they don't you don't pay for the initial sign up fee but it's


it's just that when you invest with them or you input money into that particular the account has set up with them, uh there is sort of a management fee associated with it yeah so there's an annual, yup yup so


yeah I mean, uh


, far far, I mean different asset class they have different form of risk associated with it so equity is usually the equity uh okay derivative are usually the riskier ones followed by equity then bonds bonds is usually the same


for once yeah so I mean singapore we have the singapore savings bonds uh they do have a, payout rate of five I think what was the interest, I think was two point ya two point five percent but you know high risk high I mean like obviously low ya correct so if you are investing in high risk product definitely your return will be much higher to compensate for the risk that you are taking


but yeah I think for me personally I I'm quite risk adverse so I don't really go for those products that, uh that as high risk I rather go for those product that give you a stable kind of income streams such as a bonds uh shares might potentially be something that I want to uh look at but definitely you need to do our due diligence because if I want to go in and buy shares definitely


it will be a long long strategy lah, basically I will buy and hold the stock for quite a period of time instead of uh short selling so I sell it uh at in a short period of time, yeah


maybe , yeah definitely uh


ya, I think the recent performance of the stock market it's more or less I think they have sort of rebounded as compared to, the performance in march and in april so I think global index have been correct have been performing quite


well in a sense that is in a green zone rather than red zone so that's good news, uh for the economy and for the global trade in general so ya , , ya should


personally do you actually invest with your financial adviser or do you actually do investment on your own


okay yeah yeah


yeah yeah, yeah how about like you know uh you know digital assets like cryptocurrency I mean they they actually cryptocurrency actually fluctuates a lot but you also can you can lose a lot at the same time you can gain a lot, but as, it's a bit difficult for us to go into the cryptocurrency market I'm I'm not sure as that's the same feeling for you because like we have to do our set up a lot of like accounts etcetera you don't really know where which website you're supposed to go to


and what is the correct procedure to actually invest your money on or import the money into the that wallet which you have set up so, (mmhmm) (mmhmm)


but how how do you actually decide who you want to invest in like


(mmhmm),


I hope it's doing well , , do you do you think like it's it's sort of a gamble that you have taken or is it you know, it was a, it was a pre calculated move


okay so does does investing to you does it is it more of like you know a kind of gambling game or is it more of


(mmhmm) (mmhmm), yup I guess that for people who don't really have the time to sit down and study the the kind of investment that they're getting into or they're trying to buy into it feels like a gamble to them because you don't exactly know what's happening


and you rely on other people to tell you what's happening so you're just giving them the money and you're just taking a shot with them it's a fifty fifty percent chance whether you win or you lose the money, but I, yeah yeah


, (mmhmm) (mmhmm)


okay


(mmhmm) ,


, I mean I think that mentality is as long as you are earning more than what the bank is paying you in your savings account you will go for it yeah


yeah ya, ya okay okay then how about like insurance, I think you bought the insurance with uh uh one of our friend's sister right, yeah,


(mmhmm) , (mmhmm)


wait so so what does it cover ya okay


ya okay so you don't you don't have the like a endowment plan with the insurance agent, yeah, ya yeah, actually I do so uh my plan includes like accidents and hospitalization and critical illness as well as endowment saving plan so I actually requested for the endowment saving plans from


my my , insurance agent and my insurance agent is actually my senior who's actually yeah, he's quite a he's quite a sincere guy he is very transparent so that is, why you should look out for in like a insurance agent because usually like in the insurance industry there's kind of a huge large turnover and some people just go in go in


for the sake of you know earning high commission etcetera so you don't want, ya you you can never predict but but my take is that as long as the person is able to help you uh facilitate like the the payout when things really do have


happen, and if someone that is trustworthy and wouldn't give up halfway or will be in the industry for a long time than this is someone that I want to buy an insurance from, ya ya so the (mmhmm)


I, I think it's probably going to be twenty five years I I think compared to you I prefer to have it locked have at least like a endowment plan have my money sort of locked away uh twenty five years down the road it's not really long if you come to think of it twenty five years down the road if you have a family now


but see if you have a family now and or soon then you have a child and by the time twenty five years, there's this sum of money that you get out of uh the the insurance or the endowment plan you can use it to cover for their university fees or any


yeah if they're smart enough you can get a scholarship that you don't have to cover for their university fees but yeah yeah yes, yes she purchased before so she's also waiting for me until I get uh until a certain age then she can withdraw that sum of money but I think she kind of bought the insurance for me at a later age when I'm slightly older so it sort of don't tally up


uh when I went to university, yeah yeah exactly exactly but it's good, she she she should just give me the money and I should just help her to do the investment I think I'm more err capable of doing that as compared to herself


yeah, and then she can stop relying on me so much man but yeah but I think financial planning for for like


for us it's something that is often overlooked for youngsters so yeah it's good to us, to have this, kind of planning mentality at a younger age as compared to when you're thirty years old then you start planning your financials I think it's a bit too late by then


yeah,


yeah, yeah exactly so that's why you need to look for an insurance agent they will actually advise you properly on and tailor the plan according to how much you are able to pay every month


{ah}, so


negative experience


it gives us something to think about, yeah


, yeah, yeah mean I I agree with you that life is very fragile there there might be other people out there that has illnesses they contract illness and they are not able to recuperate from it I mean


actually COVID itself it it doesn't really kill as much as many people, as compared to flu, yeah yeah so, it it it's just more contagious and because there's no vaccines at the moment yet


so it makes it this disease is dangerous, there there is definitely some of the worries that uh and anxieties that we probably will face, like you know worrying about your parents worrying about your friends getting contract like contracted with this uh


COVID nineteen and, of course if you have then you yourself will be you know you have this COVID nineteen then you have to worry about oh your hospitalization fee are you going to survive this etcetera etcetera but I think if you contracted that disease and then you pass it on to other people it it makes you feel kind of like


yeah yeah like


I I don't know how you can express how sorry you are to your loved ones that, you actually didn't take care of yourself so I guess that is why something that frustrates me when when this before this whole circuit breaker happened was when I was in the office and then


my colleagues around me say the government says that you don't have to wear mask if you are not sick that comment really that was in february so the call, yeah but I don't know like some


sometimes the government is not right, and they they just do things that they say things that is, meant to calm the public down and prevent them from prevent them from getting chaotic or you know or


or rush to buy your groceries etcetera so I, I think that kind of comment itself it's kind of it it frustrates me lah like, why would why would you want to say that, yeah


yeah exactly so so so I was, I was kind of like pissed off when my my colleague say that I was just that I I was arguing with him saying that ya it doesn't matter that uh whether you're sick or not you wear a mask because you want you protect yourself from getting it and if you have it you wouldn't pass it to other people so it's like a two ways you you help yourself you also help others


whatever lah, yeah, yeah


yeah, yeah, yeah


(mmhmm)


ya I okay uh actually there's also another thing which I I hated the most ah I think this happen more when I was in junior college when, my my classmates who are guys who are males they sort of look down on females so they're kind of misogynous and yeah yeah exactly and so I kind of cannot


stand them and I I mean, those kind of actually they always like bad mouth people like when when you're capable they try to put you down, and they just, there are there are, I'm not friends with them trust me uh they are the least of my


probably even if they're doing well I don't want to associate myself with them, I mean even though it it's a thing in the past but still it just left impression ah first impression counts let's just say first impression counts and if you're rude at the first impression then why would I want to be friends with you for in the future even though if you have changed I mean my impression of you it's still remains


somewhat in the past it sort of influence my kind of thinking about you even though yeah even though you should be conscientious like conscious that you shouldn't be like that, but yeah, but that's all in the past so


I hope all the best for them then, uh, I think my greatest fear is not having enough money actually


really really really really, I don't know I don't know I think if, I I just want to be like financially stable and don't have to worry, yeah but, I don't think it's it is not that stable to the point whereby I could safely quit my job for like a


uh, maybe three months or six months, and just stay at home, you know like , I I want to be financially stable to the point that I can quit my job and then I can buy a house and without having to worry about my uh expenses for the next one or two years so that's what I meant by financially stable for me


it is very tough, yes but the I guess that is before you get married so uh that is after you get married right so before you get married should try to save as much as you can


yeah so I guess that's for me like the biggest the greatest fear that I have being not able to to sustain myself sustain my family because you know my mum depend on me a lot right, so I have to give her like a monthly allowance etcetera so if I if I lose my job


oh ya then, things might be a bit tough even though they said money is not the most important thing but, I still think it's essential it's not the most important thing but it's essential


uh,


die, but if you have uh if you have lived a life to eighty years old to ninety years old does dying makes you scared


I think if I have already live my life to a certain point in time like maybe like seventies eighties yeah


darkness,


uh, how do you sleep


uh you are a you are the complete opposite of you right he just block off all the light outlets in a room, (mmhmm)


(mmhmm), so


so how come, how come you are locked in a room but you cannot turn on the lights, then you go to the window ah


and eh, I mean I've got caning experience also but, but I,


oh did you did you know that #you wai# showed me some beheading videos on a television shows before and I was so severely traumatized that I cried, and then he just want to show me yeah


yeah yeah, I don't I forgot what was a TV show but he just showed me there then I just cried and I got so traumatized because you, it there were ten I mean I think he's, , and I don't think it brings him joy but it's just like he's sort of used to watching this kind of gory show


yeah and to me I'm just like oh my god this is the first time I'm watching such a, you know imagine like a head and then you know you know what's a hub instrument, yeah yeah and then there's many strings right so imagine


uh a person that is lying down on the ground and then the hub just fall off like fall down so the strings cut through cut through like the, face and the head and the whole entire body sliced it's sliced ya correct


yeah that severely traumatized to me I literally cried so badly that day it was a television show but it it left such a deep impression of on me I guess is fake it's not real it is a television show so


yeah, yeah so so I tried to overcome this this fear today whereby he showed me the video, again then I try to convince my brain that it's not real it's not real it's not real and I survived the five minutes, yeah, yeah


yeah, I I guess like sometimes sometimes my phobia is that I'm I'm scared of like supernatural stuff and gory stuff so I'm, not sure whether supernatural stuff actually exist or they don't exist but I rather believe than not believe ah


yeah yeah, yeah, have have you ever like walked walked by those type like haunted places at night and then you just sort of feel like goosebump etcetera I did eh


uh not recently maybe kind of a while back yeah, no it's just when I go home very late especially during <mandarin>七月:qi yue</mandarin> uh especially during the ghost month


yeah yeah


yeah but, uh I think when I was very young,


uh probably he wants to go he wants to go, to the the #haw par# villa how big is it actually


I think if you go go at night there would be much scarier if it you know, !huh!


I don't even go for halloween in USS, ah no I just don't want to see I'll just cover my eyes with like


the blankets etcetera and or just look, away I don't know I just find it very scary like I just don't enjoy watching scary film in general


job lor job security I guess


ya but it's not it's not the job market is not really doing well and it's quite difficult to get a job that actually pays you well they will try to like low ball your salary ya so the will low ball your salary


!aiya!


two thousand people are actually uh, uh laid off


policy, , okay


positive experiences, , , !wow! that is a very profound question what makes me want to be alive


uh, cause I just don't want to die can I just say that , I I guess in general life itself it's


there there are ups and, downs but itself like being in this we're able to explore explore around see different stuff look at different things taste different food, and smell smell different kind of smells the kind of sensors that you have being just being alive I think itself once


I want to be alive even though like life sometimes is quite tiring and it's very stressful but I guess, it's it's the, it's the process is the journey and the companionship and the friendship that you have gained along the way that makes you find life much more interesting and worth living


for yeah so uh, yup yup, yup


yeah


yeah, yeah yeah definitely I agree with you also like


yeah I, I guess for you I guess for you it's perhaps like when you travel you sort of find joy in travelling itself that's why it's sort of suits your occupation but


I think when I travel uh it it's sort of, way for me to slow down my steps cause the the corporate world can be kind of fast track and it can be kind of mundane so you just get caught up with all the rat race and you kind of lose track of what you


really want in life so I I find traveling, for me it's a great way for me to just rejuvenate and reset what I want in the in the in the future and also doing stuff that you enjoy doing such as you know yoga itself is a very relaxing activity whereby you're just focused in a moment


yeah, yeah yeah definitely of course like once in a while we can meet out for like drinks etcetera to sort of you know unwind and relax a bit yeah and there's always good for like you know wine and pizza etcetera


, uh a favourite activity to unwind and relax I would probably say you know of going for yoga session after yoga come back bathe


just lie in bed order pizza have a glass of wine and then just you know relax with my boyfriend and netflix and chill , the best thing ever ,


yeah yeah,


hot power yoga I have never liked like power yoga before I usually just go for core or just go for basic maybe because I didn't have strength in my arms so I


yeah I I do have strength in my core, yeah but it's just that I don't really perhaps I just don't really like the way that, the classes are being conducted, and I just prefer doing something that is some strengthening on my core and I just have different focus basics sort of strengthened you as well but in a different way


, but my best uh favorite class will just be monster hard I would say yeah, I mean if I have a chance if I have a chance if we want to go to Bali and just have like a three day or five or week retreat with yoga retreat I mean #yu rai# wants to go as well also


uh it was awesome it was awesome so I went, eh


actually to be fair I don't really trust the statistics as being reported by the authorities especially in emerging countries cause of data source can be a bit off, yeah, exactly


well done, well done joey , ya but but where is the the okay which country like leave you


, but but what was the best travel experience that actually left you in awe, alright


yeah,


yeah you are a kind of the like the landscape yeah, I I guess you are just like really taken aback by what earth can actually earth offers in general


like the size the landscape but yeah sometimes when you're in the city you just want to get out into like the, suburbs area the urban area it's a it's a total like three hundred and sixty change to what you experience in general


(mmhmm) (mmhmm)


(mmhmm), (mmhmm)


yeah, yeah


the the greatest travel experience I I guess would probably be the one that I took with you right when uh we went, we went to slovakia and uh ya so so I think overall like the trip itself was a very very nice trip and I really love Vienna it's such a great city to be in


, yeah I guess it's just the general vibe that you get from the city the, architecture and as well as like the surrounding landscapes that makes you yeah think about to to want to slow down uh


on your way of living and really just think about, but, what an amazing world that you are living in it's just that sometimes you kind of forget that you are much more privileged to even get to travel in the first place


yeah but but I just tend to forget it we just took it for granted oh I'm travelling to somewhere else next week or but imagine around the world there's so many people who are in poverty


doesn't get to even step out of their country I mean I think I think in singapore itself there's also a lot not a lot of, people that actually got the chance to step out of uh the country are beyond asia so maybe like the the closest that you can go malaysia


perhaps, perhaps but it's always a good thing to actually uh, , sort of broaden your horizon and see what what other region has to offer if ya because like asia there's so much thing as there's a asia culture I don't know why the east said that there is a uh why the west says that there's sort of a


asia culture and instead of stereotype asians as very hardworking people I don't know I have no chill, yeah but, but actually it's very funny and then like asians they will stereotype singaporeans as Kiasu people or very #kan jiong# people but the fact is that where you go on a plane to anywhere else everybody just stand first


like any other nationality not not just singaporean I think singapore just gave like the term Kiasu, they just come of the term Kiasu but, I I think applies to everyone else as well and then it says singaporeans are competitive but you know other countries they are competitive too


yeah, , so you really think about what other people tell you sometimes all the news outlet, they are just, that you know skewed, yeah they are a bit skewed in their opinions so you need to think beyond what was presented to you


yeah, uh , what


!huh! when I sneaked out of my home , and then I'll decide whether, whether I'll get caught by my mum or not get caught by my mum , ,


yeah I was just thinking out right in the middle of the night and I hoping not to wake your mum up just like, turning everything very slowly, how about you traveling


yeah


(uh huh)


thirty one coffee , , I've always looked at you the same I have never looked at you differently


, how about if if you have any actually encounter a time when people say like bad stuff about you and then you just did like certain stuff to shut everyone up like see guys I told you so


oh yeah, yeah kinda, actually I don't really remember because I don't think you are those kind that is very, confrontal should I say that yeah


yeah, makes sense yeah, !aiya! let me just start with it


being pregnant , , (uh huh) okay


okay so you got it for him, how how much is there like like how much does it cost for the monthly subscription


(uh huh), (uh huh), !huh!


no I probably will not be interested I make my own cold brew coffee so, yeah, find that it's a bit stronger


uh cause I can just drink the whole whole whole what do you call that whole jar, yeah, yeah basically it's just like you know sort of grounded coffee and then you just pour water into it and just let it seep and just put it in your fridge


yeah exactly correct,


fair enough, I mean if all else fails you can you can just go to like starbucks, so anything starbucks coffee bean


no I guess sometimes it's okay like six dollar plus it's like a standard, !ee! yeah but the local coffee is kind of different from like the caucasian kind of coffee


ya ya correct exactly, uh I will usually drink if I I sleep late and I have to wake up early ya, ya


I can live without it I've gone like a month without drinking coffee but it's just that lately work has been kind of busy and requires me to do a lot of things, so that's why yeah it keeps me awake but the crash is horrible yeah the crash after the caffeine yeah after the caffeine wears out


you just feel damn tired afterwards, like you feel a sudden surge in energy it's like sugar rush, yeah, is is like sugar rush actually, yeah yeah


no actually sometimes it has to it has got to do with the kind of coffee bean that you get whether it's of quality coffee bean or whether it's sort of like you know your sub quality ones usually quality one you shouldn't get any like like this kind of symptoms from it, yeah


maybe it's a shock to your body if you're not like uh if you don't drink coffee frequently,


uh probably going to do yoga but I, I not sure though I'm a bit tired, yeah so I'm thinking of either going on saturday or sunday but saturday I got lessons but I'm thinking of cancelling my yoga lesson cause I'm kind of tired uh it starts at three plus I think three plus three thirty ya


yeah, but we'll see see yeah okay so we should stop now


financial related topics, okay so #zhi jue# do you have personal insurance


if so can you share some details


okay, me uh I also have insurance so I have uh those, basically mine mostly is in great eastern K uh covering from health, to early stage critical illness to late stage critical illness then my experience with the policy right now it's I think previously when I was young that time I bought a


from I I bought prudential endowment plan right but because I was so young, so, I I did not have a lot of experience with , insurance field lah and in the end I actually bought two endowment in the end and not covering myself for health and early stage CI and late stage CI


that was only when I started working then I decide to take them up K due to all my friends a lot of the friends are actually uh insurance agent also so, getting experience from them hearing their thoughts especially with all the different interaction they have with the client right straight got me thinking and got into and bought uh those critical more critical insurance that is needed for my life then yourself leh do you have any endowment plan


quite understand that ya ya


so it's, ya it's part saving and part uh insurance quite interesting ah quite interesting nowadays there's a lot of different type of uh endowment plan out there in the market right like the investment linked policy


oh that's part of the endowment plan umbrella also, ya


how how much, two percent two point five lah two two or three point five, based on their projection it's quite interesting


confi definitely definitely, ya is also to safeguard your


especially when you have kids and stuff right it's kind of like to safeguard their future also in case anything happens to you at least all these savings and stuff will be given to them lah so, okay then do you get insurance when you


buy a car or travel overseas or get a property, eh you you you do right when you travel overseas, I recall you have a annual one


also now you are getting it on an ad hoc basis, ya ya , useless right might as well just cancel away, oh


I I think is compulsory in singapore right, ya so I, , not like volvo driver


, okay then how about property, how how about for like


correct the fire one which is compulsory private also you need to buy the private uh private one is under the, no they under the strata plan so they they had the insurance already covered inside your fees already


but I think I think getting a property cause property the amount is huge right especially you are getting a loan then if anything happens to you ah then people that uh probably your spouse all these they have to take over the property and that's take over the payment of the property that's where the huge burden will come in I think I will get also


mortgage insurance is good, ya ya agree


especially ya lah you you are right lah if you're a breadwinner everything it falls on you right, good, okay so what do you look out for when you buy insurance, freebies


, , ya but nowadays the all the insurers across quite competitive already ah


right , so freebies split freebies the one that differentiate right which one the best just kidding ,


yeah ,


yeah I I think I think I think there's, that's right lah then for for myself right what I buy so the first thing that I look out for right when I wanted to hunt for my health insurance was someone that is reliable because health insurance critical illness all these is when you are already bedridden what most of the time you you are you you don't have the you you don't know what is happening


then so I was looking more for uh insurance agent someone that I'm close to and can trust in case anything happens to me right at least he can help me to settle all the backend staff lah, I all all the point ah


one of the one of the close friend one of the close friend I cannot name I cannot name the person in this call I tell you privately , , I think you should know him ah you got see him before yeah so everything that falls under critical


critical illness early stage CI and uh life insurance things and health insurance I think it's that is like, I know if something happen to me I totally don't have the conscious to know how to settle my stuff ah then those are the insurance that I get from him so that immediately because he's close then immediately if anything happen to me he will know then he will come in and like settle all the hospital stuff lah so


insurance that's critical like that right I will pass it to him the insurance like endowment all this that I can settle myself then, those that are not so critical like investment stuff then probably can get anyone else, yeah


so what kind of insurance are essential for your age I heard that you are quite old, ya


oh retirement insurance ah, okay okay, so so you buy, okay, so do you buy term and invest the rest


do you mix insurance and investment together or you keep them apart, like you invest on yourself then after that the rest will be term basically focusing more on insurance or you prefer things like endowment ILP where there's a mixture of investment and insurance together


okay


okay so so you have like mixture lah, a mixture of endowment uh for mine I buy I I buy term and invest the rest so ya so basically I focus more on critical illnesses and uh health insurance then I think in terms or investment I I bought endowment more for


more for kids' education lah in the future, good lah, I buy term life ya


so ya so, , how how long no I bought until uh mortality rate roughly about eighty eighty ya, about eighty cause I guess by then by then I should have a certain amount of wealth K if really anything happen right more or most of the time is uh my regard means gone already lah


yeah so it's (oo)


current oh current oh but you must, ya lor you must be uh investing lah you cannot be like putting the money elsewhere correct agree


oh you got go life and term lah, actually I got both too, I just recalled that I got, yeah


but I got, check ample amount of money to support themself lah, ah correct correct yeah yeah so


interesting lah yeah I I think all the policy terms also keep changing every year also like every every every twenty year is change again, ya last time last time has like, so one exhaustive list of uh critical illness coverage right then after that they


break it they they wrote it down to thirty plus only in the current situation, so do you have, do you think CPF insurance coverage is enough for your insurance, coverage


like medishield life, dependent protection scheme, , very minimum ah ya ya ya ya


ya government always have co insurance, ya is not enough that's why a lot of people that's why insurance company are still doing very well, out there especially to getting people to buy all the health stuff ah and things


eh ya just just now you mentioned about ILP right so what are your thoughts on ILP, like there are there are quite a few, negative talks ah about ILP out there in the market but how about yourself what's your thoughts, decide whether you want to


stop or take it ah, is it one percent additional


I I think is a, a one on one sum of insured, uh the amount you put in, one percent on top of it, ya ya ya


ya but most of the time won't won't be higher one ah unless you put very very long, so the ILP you put in is what unit trust ah, shares oh that's


okay okay that's that's quite, I mean I mean that's quite different from the usual ILP that is traditional ILP is mostly in unit trust, but I think right now they are like partnering with POEMS uh with all the different uh


platform where they can start to invest in blue chips invest in bonds, eh but fundsupermart is unit trust eh so you need to go and check what they buy


yeah, ya so the thing about buying into funds right because you have to pay the, the manager fee and stuff, so it's like a lot of costs ah which is one of the consideration, that I had when I when I I was thinking whether to buy ILP or not


, yeah like blackrock all these ah, okay


like ya lah mutual fund isn't that unit trust that's the whole idea of unit trust what, ya you like you you have a pool of people coming together then after that you buy then the the fund house the fund manager will use that pool of money to buy like big blue chips like apple all these


yeah yeah quite interesting, quite interesting ah because nowadays they have a lot of different type of ILP out there to get into game or to kind of help people to get a very decent return


yeah, but CPF is still I think CPF, uh as a whole right CPF insurance especially the medisave and medishield need that, that was quite good ah in the when comes to


having long term care, but like after you go touch wood if you go like hospital all these right in the you have to go for follow up, these check ah medisave and medishield already place a very huge role in the cost saving


yeah, so were you approached by an agent


negative experiences, so what makes you stress


yeah you start to panic, eh


the march in and things lah all the preparation ah wedding preparation, yeah yeah wedding is always a very stressful period ah


so what what makes what makes me stress ah I think if, I'm a more I'm a more, systematic person right so, uh like, if you tell me you got to do you give me a timeline to fulfill everything within


from period A to period B, I if somehow in the middle, just very close to period B like coming to the end of the timeline you tell me we need to change everything revamp everything but the timeline stills, sticks to that short period of time


that that one, that kind of situation will cause uh stress in me like because I've, to change the way I do the things I've to replan everything again right then, and most importantly the time is not uh in our favor so that kind of situation will really stress me out and but


you wouldn't want to like for me it's really to complete it and uh do it at the very best lah so I don't like that kind of situation but, I think at work we tend to see a lot of this kind of situation especially in project based uh uh uh


assignment, so yeah so those are situations that really makes me stress, and hopefully hopefully those stress don't always be inside me lah cause I know stress can lead to a lot of health issues


yeah, so that's uh that's for my side err, describe a time where you feel that nothing you do is good enough,


all your interview is it sorry, oh okay then maybe I continue lah, so


uh a time where I feel that I had nothing to, nothing I do is good enough right it's I think during , the first year of my work right, especially when there's a sales target to meet, and it's like


uh cause in sales is a lot on cold calling, prepping your pipeline right, so I remember there was a time where, I was preparing so well for my next month sales like I have all the client ready already for my next month


all the pipeline ready but when it comes to next month suddenly a lot of changes come uh came the clients a lot of them they couldn't make it due to last minute commitments then some of them they come down but they feel that it's not the right time for them to commit into a certain product so


I think that period of time I felt like no matter how much I how much I mine the leads or how much I try to invest my time in having a good pitch right it still doesn't


uh, give me the it's it's still I still feel that there are there are so much more that I can do, but is not within my control so during that period of time I felt like, quite uh hopeless ah, ya so


yup, that was one of the moments that I feel that, no matter what I do right is never good enough, yourself mister bryan, yeah, quite soft but you can speak louder, okay


ya quite scary right


yeah the education system,


okay lah at least uh it was a good uh outcome right at the end of the day, yeah it kind of propel your career also, it was a good uh first step, ya ya


okay then is there one thing you wish you could change, but will never be able to, that one one thing in your life that you feel that you could change,


you want to change, yeah I think I think for myself uh, one thing that I wish I could change


uh but nothing really much that I, I would, want to change but is more on, or picking up a skill lah I would think like, uh one of the, thing that I would really want to learn was to be more musically inclined


right, like last time I also focus on sports right that I have, zero interest in music, or any instrumentals beside the recorder lah, so I I that's one thing that I wish that I could have uh added on


into my life, K and also, I I don't know I just feel that, people that knows music are quite cool, , and and music can, like when you are very stress or you have nothing to do right music really is something that will


uh bring you away, from all your stressful life or even if you have a very very bad day right, I'd, most people or even myself I will listen to music to calm myself down, uh yeah


so yeah that's one thing that uh, ah, that's one that's one thing that I wish I could change, yeah, and hopefully I could do it, so the is there really nothing that you would like to change


mister kang hello you


okay then maybe I can share uh what do I often worry about, so, uh for myself right, it's always worrying about, , what will happen the next day what will happen


the next year it's, a lot of uncertainty in life like, you would see a lot of uh, instances, where in the newspaper and stuff people just, move on and just disappear from the earth


or more in a more cruel, way they just pass on, right, and with a lot of regrets lah so one thing I worry about is not able to fulfill my dreams or my goals before I leave this uh, uh beautiful world yeah


yeah so, so, how about you brian, you have anything on your side, sorry you all can hear me


yeah okay then I I think brian, brian had some uh technical issue


yeah I think he cannot hear us, okay, but anyway should I continue, okay I can continue so I will describe a time when, I feel trapped and helpless uh


feeling trapped and helpless is, I think a lot of times it happens at work, right and, because of the fact that a lot of the workload, is uh more silo, doing things myself


and a lot of times the, the, the the task that was being given right, err, it's very out of the world lah things that, you haven't had to experience before, okay


and so, I recall very vividly about the time where I was being trapped by I was being assigned, cause my strength is in finance uh my strength is in finance but I was being tasked to do something that is uh AI driven something that is not of my forte ah K and


that itself uh kind of like, I felt helpless when I was given that task because there was no one that I can approach right except, there was no one that I can approach except for google, so what I did is


uh and I have no colleagues to help me on it because no one has experience in that, and it it was a very tough time cause I have to ask around people within my network to see if there's anyone that, uh is good in this and this some is quite awkward lah cause you don't talk to the friend for


probably a few years right then suddenly you go back to the friend they will feel like, , they will feel like okay they will feel used, yeah so for me uh during that time it was really more independent and more trial and error in trying to find ways to get myself up to speed


uh to get myself up to speed to the project and stuff okay, yeah then, what is what are some of the, the


hurtful words someone said to me that I wish I could forget, I think for me, uh one of the, more hurtful thing is


when people say negative things to me, I'm a more I'm I'm not a, I'm not a like I'm not a driver in the sense that, uh, if people say negative words uh positive words I I become stronger


but when people say negative words right it kind of hit me a while like I will question myself if that's really true if uh that negative words really, associate to me and it kind of like bring down my morale for a while before


I could uh, be it takes some time for me to recover lah before I could actually gain back the momentum, right, and one of the negative words that, I really really hate people saying is like, uh


K K you you are slow, you are, uh, right what is it call you need to be more sensitive, right, there are things like that then have to be more independent


, attention to more details, yup so, those are words that, I feel K I feel that, uh people shouldn't


people shouldn't be so blunt about it and just be more, cautious of what they say, K and these are really, hurtful words that I wish that they would never had, uh occurred in my life K okay then


what's next is, this thing about, ya lah where is he


okay I can see I can see yeah


one thing you wish you could change, uh no no yeah


can you hear him, oh okay okay


so do I submit the app now, here ask say describe a


what are some hurtful words that people said to him


positive experiences, so what was your best birthday present and why


ya I will take note of it can you say that again loud and clear, okay !wow! ah I see


so your spouse got give you any memorable birthday present, oh, she didn't give you something okay that's quite uh I think for mine


uh, I think the best birthday present that I have was, instead of it being uh, very tangible one right it's more on like uh the surprises that was uh that was planned I think especially I think it was two years back or last year


during my birthday, ya then after that my my wife now, actually organised a gathering for all of us all of the close friends to come together I think that was one of the best birthday present ah cause after after everyone of us has go in


working right, uh we seldom have time for each other, so having everyone to come together for the for a, occasion and uh just to chit chat have some drinks laugh and uh laugh