then as a wing we completed ten thousand pull ups so it was quite crazy lah I think it was something good to look back on, yeah


yeah


[oh] okay great


financial related topic, okay hi #woon hong# how are you


okay, so you want to share about uh what you, uh going to talk about remember yesterday we talk about uh vivo life, (mmhmm) (mmhmm) okay I mean


it is uh I think vivo life's back vivo life back then was one of the common, uh life insurance or policies that, uh that was, circulating around I mean this is vivo life is really my very first I would say policy


or financial plan that I had, ah at that, time it was the passing of my brother, then just that happened that, the the life, insurer or the person the financial planner is actually, uh who knows my brother so he engaged me and my family and that's when I


actually get into uh vivo life so to understand, like the the main purpose is yes in case, ah anything happens to me in terms of mainly it's for the death benefit, so that's why at first started, taking up this uh vivo life


or rather, the life insurance policy, back then I actually didn't know what it is what it does or what it is all about lah then after that I found out okay it does have some coverage like death and then uh accident policy, and I


can't remember what this term is uh it says TPD I think it's something or permanent damage if I'm, ah yeah it's correct total permanent disability, okay so this was my first uh, financial plan or rather a, life insurance my main I will say my life insurance policy that I have uh and then later on I realized uh


after, vivo life then when I went to NTU actually there was like a roadshow going on there and, it was an AIA agent who was there, uh on the roadshow and she actually approached me and that's when I get into other kinds of


policies uh, on top of life then I realised there are other policies, like uh okay the main, policies that I feel is important which I got through these uh AIA agent is my hospital, and my accident plan policies


which I feel these are these two, is are the two policies that I feel is the most beneficial, for me, in my entire financial policy or my financial plan portfolio, so I'm not sure whether you'll find uh you have other


policies apart from the life insurance before I share more, okay


okay, oh funny you said uh, this rider, uh income what you call it income rider shield is it, and enhanced rider shield, yeah they okay this is also another term I came across , before I share more on my uh accident and the hospital uh leave plans on policies yeah this term rider ah let's just digress a bit


I realised okay when you have this ridership it's only you can only get this, enhanced or rather an add on, policy that's why they call it rider of cause it writes onto whatever your policy have so I suppose this is a, a rider shield


that is tagged to your vivo life right, am I right to say yeah, so if you don't have this vivo life you wouldn't be able to have this, correct yeah I


I am still having my vivo life uh, okay uh it's been more than, I think let me recall, okay say say I I have it since two thousand eight, I think it's one of my first if not it's my first policy I had, uh, then uh throughout my life until now yes I do


I did meet a few other, financial uh agency uh agents, okay I'll or they can they call themselves financial planners uh there's a lot of terms they call it uh some advise to keep it some advised not to do it, uh it's just to what you call it


you there are better policies to, that you can pay for with the amount and and get, even better benefits yeah, but for now because it's my first one and I think vivo life I I had this feeling that it's one of those uh for life policies that is really robust and it's


it gives you the uh the benefits, the coverage and the benefits that, are suits my lifestyle for the amount I paid, even though there are others they claim that uh they can give better benefits, yup for, now I'm still sticking to it cause to be honest my my knowledge on these financial policies is quite


limited and, is still evolving so I, every time, I meet different agents or, I have other agents uh my my same agent who actually advise me, I I, I I feel like there's it's hard for me to make a decision ya but for now to go back to your question yes I'm


keeping it for now, but uh going back to that rider thing uh yeah you were talking about the rider, policy right yeah, something that I also came up uh came about, when I engaged my AIA agent, cause with my agent I


bought mainly, okay the first two was uh, yes hospital and accident plan because she asked me, about, my lifestyle and then when I mentioned that I ride motorcycle so this is where she felt that I think this two policies actually is most applicable


to me because she herself rode a, bike and she did experienced accident an accident uh a few incidents actually went to hospital get uh surgery, and what not so this was her advice because she can relate to it and true enough uh this hospital and accident plans uh like I said it was the most useful


and the most, uh what you call it a the most utilised uh policies, that uh to me until now, uh if you remember I had an accident, I broke my ankle, and that's when I actually was able to, uh actually tap on my


accident and hospital plans, and I what I don't have to pay a single cent, from from my own pocket money to actually uh, get the surgery done or for my hospital stay there, and, but because of that I did take advantage of staying in the highest class ward, know that kind of thing


so back to the yeah you were saying, yes it was fully subsidised uh, uh


I don't mind sharing but let's see if I can, get the info here uh okay I need to dig it out okay think of, okay, okay uh I think because, okay you know because uh you were mention about the rider so from that from those plans I think then she recommend something then that's when I heard about the rider to tap onto one of the accident plans


and, with the rider and all these uh I can roughly say lah uh, probably about, I would go by year so it's, safe to say lah about four hundred dollars a year cause I like to


play pay on a yearly basis, and, yeah and plus one, and on top, four hundred plus another plan which, I have, I don't really have to be pay because they will, uh, take my medisave


uh amount as payment yeah that's the one I think it's called the, I'm not sure it's the pink offer but it says GIRO here, ya ya correct that's why uh correct correct ya ya


definitely there's one that use that uses my medishield, okay but yeah just can't remember what it's called it's actually yeah so all in all uh uh yeah, yeah my accident and my hospital plan I think these two are the most utilised ones and I I really


appreciative of this uh AIA agent of mine, that actually go recommended this to me yeah, then from then from then on she actually recommend others lah, later I can share more yeah, (mmhmm) (mmhmm) (mmhmm)


correct yes, (mmhmm) (mmhmm)


understand, uh actually the, I had this experience also as in like that's the same advice or or


roughly about the same at kind of advice, that , the different financial planners were saying because this was back in two thousand eight so back then, there are no other kind of uh, like you say higher yielding or I'm not sure what's that term they used I think


uh uh, plans that has valuation that means it will really oh I think the word they used is cash value if I'm not, wrong ya, basically that uh that gives you, value, yeah yeah oh yes uh surrender value is the,


ya that portion in the policy that to show how much you have, but uh, in a nutshell vivo life doesn't give you any cashback in a in a way yeah to put it simply, but, but just to confirm this vivo life you are actually paying twenty five years correct is it the same for yours twenty five years and then it should cover you for the rest of your life if I remember correctly


ya oh I stand ya cause you say say mine


I think it was twenty five years cause I took it two thousand eight I wasn't working I just started, it was my second year in uni so I, thought yeah so I wouldn't want to commit, financially within a year so much when I'm not working


yup, but it did it did sound good back then when they try to sell it, but of course uh, the different agents I've met including my AIA agent uh, uh, there there there are mixed views some say because it's a a plan that actually covers you for life, but at the same time those are the


the other agents who have different opinions are, they are more to they have a higher risk appetite they are thinking more in terms of what, what is more value for money, in terms of you getting back the amount like you said because when you


take the same amount and put it in a policy, or a plan that yields better returns, that's when uh ya lah you can actually have a coverage or a return that is more than the coverage, that they're actually giving us and then you mentioned something like, term plan yeah this is something like


uh it was new to me back then when they introduced to me this term term, plan, can we have this common understanding what is this term plan, I, I can't really recall what is it about , it's


they call it term plan ah ya correct it's, group term life lah yup yeah, (mmhmm) (mmhmm) (mmhmm)


ah yes correct correct, okay oh yeah okay I think that thing I okay now I I remember slightly what term plan means doesn't have to be low premium but I think it means uh it's another word for the


life insurance plan lah basically you pay, and then you, your benefit is actually the basically the death benefit and other kind of benefits, that rides on it ya basically it's a ya correct, so it doesn't have to have cash value, ah yeah yeah so yeah eh yeah same


I I think so too so this is when, uh, also back to the topic on dropping this vivo life so this is when uh the other financial planners were saying, that you can still get a term plan but, that has cash value so, one of them that I've gotten from


thorugh this AIA uh, agent is that, I have on, plan that is they call it investment linked so there's an investment portion that is stack to this, okay let's call it term plan ah, call it term plan so there's an investment portion correct yeah correct that's the one


so it is investment linked, so what happens is that uh if let's say I'm paying like hundred dollars cause I say hundred dollars is a very easy sum to, to ya we'll talk, so hundred dollars a month so, example lah maybe eighty percent of it


would be used for the investment, so that twenty percent would be used for that term plan so based on that twenty dollars per month then that's when they actually calculate out what will be my, the benefits the which is the death or even accident or, what you call it uh hospital


plans that are, entitles me to, but the main portion of it is I think is, for you to invest that amount in hope that you actually, uh get it back or have a higher cash value of your entire policy, yeah so this is one of this is one option


that they proposed which actually I, took up but there are others, uh alternative which is, scrape this vivo life and just don't go for term plan or, totally go for something that is totally investment, yeah so that that is something that I do have but


I didn't drop my vivo life cause yeah, I I thought, by then I started working I thought I can pay and I was I was single, and I didn't know when I'm gonna get married so I thought I I really had a lot of cash until marriage comes then, yeah so that's when I actually


get, a portfolio of policies I think, even my I, have a friend who's an agent when he got to take a look at my portfolio he said I had just have too much yeah, back then I was just a bit Kiasu, and


I didn't know what is good and what's not, so yeah I have a couple of, or at least three policies that is actually investment, including the investment linked, one like that that I mentioned yeah


I think it was easily, it was easily at least ten, okay even if I count were to count like the small the rider policies that tap onto others, it was really I I what I didn't know what I was thinking, despite me being yeah an accounting undergrad and graduate then I still take up all these without knowing cause I was


I I I was at the point where I just, eh I don't want, to be the ones thinking let them do the thinking, I even ya to a point I took up I think I think it's called an endowment plan because it was purely for savings, but it really took up a lot of cash and that's when I actually had to drop


that, endowment policy which is only recently


part three negative experiences, !hey! maybe I can yeah maybe I can start this time uh, K you know how we're were talking about our NS experience and I was saying


uh BMT was the best experience uh because you were saying your positive experience in BMT so I share my my best was something that is positive, that's in uh out of my entire NS experience I mean it goes to show that it means my I don't really enjoy my


NS experience ah, maybe it's because, I I I didn't enter, or get into NS the NS phase of my life with a positive note, uh like I said I I, I really do not want to


go to army for my personal reasons I don't mind doing NS for other vocations, but when comes to army I just had uh, uh it's only negative thoughts, I just don't want, don't want to serve like is I feel like, I'm I'm how do I put this ah I'm


I'm not a burden but rather like they are burdening me, uh this is just my my my personal uh feelings that I had back then so uh okay after, BMT okay BMT sounds, good uh from what I shared to you uh with you


I enjoyed it uh, fortunately or rather unfortunately I was the platoon best I wanted to become PTI, but too bad uh, actually I really wanted to become a PTI back then, so fine I go, I had to go to OCS, I try to see it positively because everyone wants to go to OCS


and if there's a chance why not go for the best, when uh when you have to go through uh, NS anyways so okay fine I was trying to be positive I have to go through OCS uh somehow when I first stepped into


uh OCS everything becomes more regimental if BMT is regimental like I said, OCS is like, you you've had experienced it it's even I think like for me it's just ten times more at least, okay because everything is rigid, first you become a recruits


in BMT and then you become cadets and it seems like you are worse as a cadet than as a recruit because everything have to be, top notch cause you are expected to be officer uh yeah cause you are going to be an officer you expected, to you know hold the


that that that image of, the officer uh, creed or whatever that they call it lah alright, okay but whatever it is during my first week, uh it just feels like, my energy my happy energy is being sapped, away partly maybe because I


like I said I have a negative uh thoughts when I had to serve army, and secondly it's just the atmosphere there like it's very, uh rigid very regimental, to another level to a point where I actually talked to my


what what it's called CO not CO sorry OC right office uh the officer in command, wing com oh yes it was called wing com correct the wing commander, uh, I had to talk to him, that, is it even possible, that I be


transferred out of OCS because I wanted to become PTI I think it was within the first two or three weeks because you remember in the first three weeks it should be our, what do you called it I can't remember lah yeah maybe yeah yeah correct the service term


because I remember during the first three weeks there was a turn out, right before uh, before reveille timing and it just gets worse from there I mean like, I I, I'm not sure I just cannot understand why uh they are trying, to


punish us for every single little detail that doesn't make sense like they ask us to do push ups ask us to recover someone just touches the bag a bit, and they questioned why did you touch the bag down twenty I I, I was like, it it just everything becomes worse for me I mean in my thoughts and I wasn't seeing anything positive out of it I mean it's not really I I'm not sure they are trying to make us mentally strong or they are just torturing us know so


I uh, maybe I just giving myself excuses because all these are just bad experiences, I I just it's just so toxic back, then so to appoint uh go going back to my wing com actually talked to him and he said I I know


but I told him that is it possible that, I, get out of uh do transferred out of OCS and cause I wanted, to become PTI I even, back then I even talked to my brother is there a possibility, my when my brother was still, alive yeah because he was he's the reason why I wanted to become PTI because he was PTI


he was a PTI and he is actually influenced me to the life of being fit and all so, that's the reason why I want to be PTI so talked to him he advised me okay just try to talk to whoever is in charge so which I did, and to


I'm not sure if it makes it worse or he actually hit, the the bullseye, when my wing com commented this K I he said something like I can only think of one reason why you want to get transferred out, it's either that you are


not in his exact words it's either that, you, okay not either sorry it's I think only think of one reason which is you are just, lazy to carry out all this kind of regimental uh things, so which I then I come to reflect back maybe he was right


maybe he did uh say the, he really hits the bullseye in my heart lah but is actually, quite hurtful, for him to say that that means he's actually looking down on me already, I'm not sure whether he uh, he he he actually meant to


to, put me down or actually try to, to, give me a wake up call and tried to so called motivate me, to try and stay and pursue on this OCS uh, path yeah, so ever since then uh I haven't really looked positively especially during my OCS team


so, a lot of times uh in army they say go through the motion which I actually did, and I do it with heavy heart, , and heavy boots really everything was heavy for me, yeah so that's the negative uh experience I had, yeah uh in in NS


yeah, okay, okay !wah! okay


I see okay oh, okay this a I think this is a one off, uh, negative experience ah I would say right ya but it's memorable uh something similar also for for me, and, it also so during OCS


K I uh, okay uh like I said my stint in OCS uh I can't remember anything that is, I would say positive, to remember because I also don't really foster much friendship, in OCS


even though we all go through thick and thin, but, somehow it's just different compared to, to uh, back then when we were in BMT, cause I like cause if you know we were, uh maybe you were in the poly batch but uh I'm in the JC batch


uh the, the culture is different, uh the, the profile of the cadets somehow they're all high achievers, okay, so I I I dare say, that uh I won't, know people say okay it it is true that when you're really at your most


uh what you call it , yeah your most fatigue or when you are at your worst there that's when you'll show, you show your true colours and some are really I feel they are nasty because at the end of the day everyone wants to be I I everyone everyone will be officers unless you get uh out of course


uh but they they just want to this is just my opinion I I I may be wrong uh, they just wants to be, better than you, if I mean like if they're they they do have their group of friends if let's say, uh


one group is a is a clique and then, if everyone uh what you call it ah, they, view let's say for instance me they view me as someone who is not, worthy or, who is like , like the the black sheep in the group they will


somehow I know I don't feel encouraged by them, but rather they actually put you down, further in that sense cause I do have a what you call it a a buddy who is thai, they're from thailand they have two thai cadets there, which I actually I uh ah thai cadets who come here to


train to be officers actually, both of them are different but at the end of the day uh, the vibe I'm getting is like, when they're not around they're always, talking behind their backs nothing positive about the two thai cadets


but for me uh one of them is my buddy, but I can empathise them because I know maybe because I'm a minority and they are definitely the minority minorities inside uh, uh in in our batch uh, of course definitely their culture is different their thinking is different their way of doing things are different but somehow


I I felt that they are not really my batch mates some if not most of them, like they, actually viewed them negatively, always criticise them, uh like they're not happy with the way they're doing things instead of like welcoming them as a


as a fellow cadet that a, a fellow foreign cadet, instead okay uh, I mean this is just sharing about the, the environment that I feel that it's actually


it's putting me down emotionally, and psychologically also, so that's why I don't really have a entire good experience but uh anyway especially oh the one, bad experience I want to share that since we shared about this bad traumatic experience of yours was my exercise spade if you know what's exercise spade


we have to dig the trench we dig the, for me it's called exercise spade because spade means you dig the trench I'm not sure why you call it and then I don't have an exercise copy and back then, but anyway it was the the trench digging uh exercise in at midnight or


over, or over the night I think until morning, we had that experience but somehow it wasn't up to standard, first time, so guess what I mean I said first time there had to do it you have to do a repeat exercise and you have to do it


on a saturday on our book out day so we were really uh that was one of the, the worst experience I would say lah it was a one off where everyone is really pissed or rather uh really frustrated, because first of all uh we have another wink that actually


I was able to book out on friday evenings ours is always saturday morning uh but because you have to do this exercise on the saturday we had to book out on a sunday, morning, because it has to be done I can't remember I think we did overnight also


on a saturday uh and so that was really for me, ah, if I if it's if I can remember it that means it's that bad, cause there are a lot of other experiences I would say all uh negative but if this is something that I remember it's so bad that !wah!


I think it just it's just one of those memorable but a bad memorable, uh moments that I had in during OCS, yeah (mmhmm)


navigation, okay oh okay yeah yeah


(mmhmm) ah okay (mmhmm) (mmhmm) (hmm) !wah!


I see, (mmhmm) (mmhmm)


yeah I can really uh somewhat emphatise lah but, not for me but rather you know remember the two thai cadets uh, I mean uh come to think of it ah, uh behind them they were actually, bad mouthing them like


mean complaining ah but I'm not sure, whether it is with ill intent or it's just like we're complaining but, but somehow when when they're around or rather when, these cadets actually talk to them it seems like !wah! suddenly they are


they're close friends they talk to them like as if, !wah! uh, no there's nothing happened oh I didn't talk anything bad about you but just just talk as friends so on so forth yeah exactly this is where I, I I I've, it just dawned on me like some of them


I mean we can say they are two faced but I'm just wondering, are they really two faced if they are then it's just bad lah, or are are, people like this in general, like oh in front of you if they get, to get what they want or know, just to


they just put on a another front, just to be friendly, be a friend but behind, they they just I I mean to put not to I don't know how to put, any to make it more tactful but they can actually be bitchy or just bitch about the person


(uh) and, behind their backs [lah] basically


, part two, positive experience, so Woon what's your positive experience want to share


[ho] okay


okay uh, okay lah I mean since you talk about your NS experience maybe I should share also but the positive aspect of uh my NS experience, uh truthfully uh I wasn't looking forward to actually uh NS uh to per se


okay it's just for personal reasons ah but I think it's not pleasant also to discuss why I, wasn't really looking forward to, to, my NS experience but nonetheless uh since we are going to experience it anyway, there's no choice for you to uh there's no choice for any of


us especially those for me I went to JC so after A levels all of us had to, go, so it's call lah you just have to wait so make the best out of it, so, and to be honest when they say BMT, will be the best uh NS experience during your entire two years stint in NS and actually it's very true


cause uh, while we do not like the five BX we do not like to waking up early in the morning the cleaning, and the standby bunk, uh, despite having so such a regimental uh, lifestyle lah, right I would say the most regimental


cause after if you know after our BMT stint, year after, even SISPEC or OCS, is it tends to be more I would say relaxed, okay but, back to BMT I think that is when I actually enjoyed the most, uh I've met new I have


I made bonds uh brotherly uh brotherly bonds uh they say build the camaraderie which I did, uh with my bunk mates with my platoon, I was in hawk coy platoon three they say it's the uh what you call it, , uh what what what's the term they used uh it's uh


uh, you know because it's a very relaxed company, but but it's not lah for my case not like Lepak ya ah I can't remember the term but, anyhow yeah so, uh it it was it was happy even though we we get punish a lot gave a lot of push ups which is normal because we are all recruits and recruits we are the lowest form of life so called


in uh but I, I enjoyed the most there because uh everyone go through the hardship, together, and I was happy most of the, time, most of the time during these uh three month is it three months ah or two months stint into the BMT if I were to compared to the other phases in my NS life


ten weeks lah two months lah ten weeks is about two months, yup, three uh two and a half months three months for those who didn't get go for the NAPFA but anyhow, uh, because of that I actually, not to brag ah but somehow I got platoon best


to be honest yeah I and I really think they were there was such a loophole and for someone who actually do not want to go through, SAF to go through army uh for me it's specifically army not going through national service I don't mind national service but back then I just feel strongly I just do not want to do army


okay but nonetheless uh, I were just being happy I just being myself make the best out of, whatever best situation there is uh, so yeah I did get platoon best, which actually uh led me to go into


OCS because, back then uh it happened that, my batch has the PTI batch and I wanted to, go to PTI badly, uh like I said uh I want to make the best out of, the I my NS life and I really look was really looking forward to


PTI I'm more of a fitness you know, if you know me lah I I'm I'm more into fitness and stuff that's why I thought PTI it was an opportunity, but too bad I was too good have to go to, have to be the platoon best and I had to go to OCS, uh but apart


from that during the BMT stint it was quite a positive experience lah, really enjoyed it okay uh alright but the the my


main positive experience ah ah I will start, where should I start ah okay I, I was thinking of sharing my, my love life ah I mean this is a heart to heart talk alright uh mean I


should I go back to my secondary school time, actually I I I okay maybe maybe not ah maybe just fast forward lah because that one is a good negative experience maybe we can share later on okay, uh, this is when I actually first the first time, uh I met my wife lah alright


uh as you know okay and my entire life I never had, a girlfriend to be honest until I met my wife who then became my first girlfriend and my first ex, cause now my wife mah right so uh


back then I was already thirty in my thirties so I, have to go through the dating apps to actually, uh meet girls lah cause back then I was already working then I was thinking oh my social life is now, not unlike like in those days in school


when those days you can actually had the opportunities to actually mingle around to socialize uh, uh, actually opportunities to meet even new, cause you meet friends you meet friends of friends, and then uh, when I started working, this concept of


uh friendship suddenly changes because, in workplace you are called colleagues, people that I do have, a group of friends but it's not so much which I until now I still hang around with them, but uh somehow the culture is so so


constricted I know I feel so , so restrained like I, somehow someone they just want to build this barrier that, we are just colleagues so maybe we can be like friends but at work but outside of work, it's just nothing you know that kind of thing yeah so I realise I don't have


much of a social life uh, and my chances of meeting new girls, will be lower, so that's why I resort to dating app, a lot of dating apps but uh we can uh share more about that later then eventually that's when I


had to go, might the last one ah the last, uh, the last date I met was actually my wife okay why is it such a positive experience but because compared to all the others that I've met through the dating app, the our first date


uh our first date together we share our life we share our interest is like, she really shared, my passion and my values in life we shared, the same interest, and she actually shared my dream, in terms of uh


furthering my studies, which is actually I wanted to do sports science, and I know that back then it was in australia university of queensland or, in london uh can't uh Loughborough university, okay and she actually went to university of Queensland in australia and actually pursued


a degree in sports science and from there and it became a common topic and from there I actually understood, uh how, similar she was, to me, and that's when I realised she's actually


not someone I just have to make, as my girlfriend but I I thought, and I I'm right until now that she's actually my soulmate, I know it's a bit cliche but we actually really shared there's the exact same thing it's just that she's the one that's realising my dream ah, yeah so just


to cut short it that's a actually a positive experience, and that particular date, because it really sets the, sets my perception of her, and eventually now we get married lah, so I think I know I I was really thankful that it happened lah


for that, that fateful day on thirty first may, twenty sixteen ah I can still remember lah yeah uh


almost thirties lah because she's two years younger, than me in fact younger ya two years younger than me uh eh, you are in eighty nine right so actually she's you're, even younger than her so, yeah so she was approaching thirty so that's the thing, we had, that exact exact same


thinking why we want to go through the app, because we are reaching our thirties and, and at that point I'm already thinking of marriage not getting a girlfriend, you know ah, oh no lah really three months proposed to be girlfriends first


yeah that's the that's the, date so called the I don't know three months is like the key period they say after you met the person within three months must, settle, some within three months settle get married


I had a friend like that , not not even not even steady, engaged and get married no, maybe you can share your, your love, life which is something I do not know about, since I shared about my NS


(mmhmm) !whoa! (mmhmm) (uh huh)


oh so far no plans yet ah, , I see, (mmhmm)


eh yeah actually I was thinking ah when you were sharing your NS experience, uh yeah yeah like I, I I understand the part where it's a blessing in in disguise uh, but, but overall how how you find these positive, I know I know it uh


blessing disguise I mean yeah it's positive because you end up going to OCS despite you, having the broken ankle like uh, I just like to see your angle also, why what you mean by positive in your yeah


oh I see okay, (mmhmm) (uh huh) correct (mmhmm) (uh huh) (mmhmm) (mmhmm)


I see okay lah that that's good lah I mean it does sound like uh back then, it is a actually a bad, or not I would not say bad experience but it it sounds like more like a negative experience if you were a


if I were to be in your shoes back then ah, correct yeah, , oh I see okay


(mmhmm) correct (mmhmm)


okay lah at least you have a good experience uh, uh, but for me honestly speaking uh, uh, maybe we can share later during the negative experience portion, uh, but generally for me I, apart from the BMT ah uh


NS is really not a fond, uh memory for me cause I like I said I never, if I given a choice I wouldn't want to do army at all, yeah for my personal reasons uh but, uh ya lah that the BMT is what makes it


uh memorable and I really foster friendship, I I mean I really build friendship with uh with the my some of the bunk mates there lah because some of them are actually, went through with me


I'm not sure you went through with me through OCS but I did went to, uh I did go to OCS but after that I went to a unit, to SIR, so which is some of my uh, BMT buddies or BMT platoon mates who actually went there, so we we know each other so


we were able to actually, uh relate or talk to each other, as friends ah okay, uh and share our experience during BMT, but, uh but one experience in BMT what I enjoyed the most was okay apart from me being the platoon best ah we actually had to


but for some reason I'm kind of like, they see me as someone who is outspoken, I I I feel like I was popular, so they actually made me the the main emcee or performer for the this night where we have to perform every


company yeah, so I did perform (uh) we our platoon performed and we actually won [ah]


financial related topic, so joe ask you ah do you actually have a savings account or not


uh which bank do you usually save in, actually I, only thease two lah actually POSB and DB the same what


(hmm) I agree I agree actually you will agree with me that usually a person right minimally will have three banking account, you know one for saving one for expenditure and the other one right for uh you know emergency


so actually what's your experience regarding all these things all this


, ah, I totally agree with all, interested right then what is your thoughts on those like high interest account I think is they're like not say a scam or anything lah but is a is a way of force people to save at the same time spend do you agree


because you need to hit a higher rates ah uh and you need to spend them in order to hit a higher rate


yeah, true


it feels like that are the illusion of you are saving more money or getting higher interest but at same time right you spend more just to get a higher interest so actually the win right especially for the uh


the the the the shop's owners lah or their whatever partnership they have lor,


oh really what kind of the car is that, ,


can you share, ah yeah yeah yeah heard of it before correct correct correct correct a lot of people talking about that


interesting interesting I see I see, then in that case right uh do you actually have a debit or credit card because usually account is start with debit and credit card right


!huh! can like that one meh, oh so it's actually a different bank, , I don't have credit card I usually use debit card then usually tied to the bank because uh you know credit card <mamdarin>不是很好一件事情:bu shi hen hao yi jian shi qing</mandarin> lah you know when usually right if you spend too much right or you have credit card bills right people tend to overlook all these things yeah


oh


I see so actually what credit card or which credit card company you would you recommend by those that have better better rebates one uh OCBC UOB, (uh huh), citi


interesting


also will become a debit card already lah


POSB right ya my parents love POSB cause, itself they really save in POSB mah at the same time right it's easier for them right to you know manage everything in one account, yeah correct correct, (mmhmm) (uh huh) (uh huh) oh okay okay


but now cannot apply right I mean I don't see the option for everyday card already leh, , change it to those uh ATM card there has what paywave function already


true true


(hmm)


actually a lot leh a lot of times even though right uh sometimes right when we are doing like those advisory work right a lot of times right if you can receive calls from bank saying that right you're here to do a free financial review or tell you to upgrades your PA plans etcetera or you know like you those those plans they buy right uh gives you protection and less than


one dollar of this kind of thing ya, I think sometimes (hmm), actually depends eh it depends on, uh depends on, what did they say actually because sometimes right uh, you don't know what they say and what they present because sometimes right right now right is automatically you shut them off but if they say it like very nicely and everything right I I don't mind buying from them lah yeah that that's my personal take lah if I were not uh uh advice in advisory work what about you eh


yeah that's true but the problem is that right recently ah too many have been doing it already I mean like too many, ah I think for myself uh quite a lot like one week usually you will receive like one to two of this kind of calls one week eh, one or two hours lor ya for myself sometimes right it's like uh just block the number so that they don't call you back at all yeah


(mmhmm) uh, correct


oh, correct correct


that's true I agree


I agree I agree actually my one of my clients also like that she always pick up calls right from the bank and she just buy then she just tell me that right oh this one right is I go hospital hospital can cover but not knowing that actually some in terms of coverage wise right they did not describe as


as legit as possible lah and it's not as detailed as possible it's just a rough idea that we will go you hospitalized right you can pay money, ya not knowing there's actually hospital incoming to be warded ah in order to get money not just hospitalized and not just to see doctor ya so usually and (mmhmm)


exactly yeah actually that is why I tell my parents also I mean that you do you know hor to in order to for you to cancel a plan right you need to call and paid for like what two hours plus in order for them to purge you through and


and sometimes right is even they tell you even if the process is very fast, then they tell you that oh I'll help you uh cancel everything right then at the end of the day ah uh they might delay the process also so actually a lot of people they don't know about these things or then they thought like oh just buy the bank buy from the bank anyway is directly uh debit from my car I won't see the insignificant amount of money yeah


it's true I mean people who don't just don't see the value ah or maybe uh it just feel that uh anyway, no, I won't see the money gone doesn't matter to me, yeah


that's a very good idea , other than, yeah yeah, yeah then, yeah I think they quite strict about these things there then talking about uh, buying products from the bank uh insurance products right what about investing


in the bank do you invest in the bank before not not fixed D that kind lah, uh, I mean apart from fixed D {ah] those maybe you need trials and uh ETF etcetera, any experience for that


(hmm), I see actually I got one I also don't have too young , to young to get any thing but I got one client that, that's true


but I feel that right getting like a banker already doing investment in the bank oh especially unit trust right might not be as efficient as doing in right with insurance company, because firstly is that banks right they are usually very busy and unless right you can check your account ah every single day ah if not right is very hard for you to know actually in terms of investing wise right are you profiting or gaining like my this client ah uh she invested under the black rocks with I think UOB


then she say she put money there right the the the the amount right the the price ah dropped so something from one dollar droped until like ten cents that kind, so significant yeah exactly


exactly so she she actually she don't know what she's investing in and the banker that sold her this says that right oh this is black rock this is a very very good company so right uh you need to invest more money in this not knowing that she, lose quite a fair bit of money lah in terms of of the price wise lah so she was very worried say eh should I sell or should I not sell should I continue know the fear of continue to invest again because scared that


yeah I agree lor but actually I feel that right uh if it's like if you're talking about unit trust itself ah not those stocks and ETF it self ah I think I rather do it with either uh I have a those people that independent one or I rather do it with uh maybe a insurance company because at least right


when you know that uh the market is not doing very well oh or you know opportunities right let's say there will be some person to call you and tell you that eh now it's a good opportunity and now market not doing well even better opportunity so at least right we know as a consumer lah, uh you know lah you know all these things then we won't be afraid that oh my money is not doing


is it is it is it going well is it doing badly et et cetera ya so should do it this way, (hmm),


I agree, I agree you know uh you know one of the incident in this lah cause my mum recently do those know old lady like to do those uh save five years then after that accumulate five years kind of plan right ya so she did with the bank mah uh OCBC eh is it OCBC or DBS oh uh OCBC so my mum was actually trying to


tell me that I want to get in hold of the the the banker that sell her this plan, okay the RM that sell her this plan but until now the RM like uh disappear lah I never hear from him like so long already so she's like a bit worried that's true lah but cannot like that mah


you know I mean she's still client so you must at least talk to her you know updates on all these things, (uh huh) (hmm) (uh huh)


no I one ah


oh


eh lucky can free look ah if if it's like after the period then Jialat already, yeah


then she will he will probably sell you another PGL again, true


(mmhmm), exactly then now they say is at the in insurance industry is being tainted by insurance agent so it's especially by the bank yeah because


they want it quick mah and the incentive that the bank can give right is straight away upfront tell you that oh I mean if if it's fresh cash right I can give you one thousand dollars for it you know for free that kind as if one but actually not true


yeah


yeah, true I agree oh banking side right people is more very very super competitive one, and heard I got heard news ah or rumors that right, uh sometimes right in order to make their way to the top ah they'll <NEN> you know that kind


kind, they don't care one, book with no values one ah, ah, too bad lah the bank is must be very competitive right if not how to survive in this kind of environment, right


(hmm), no I didn't I didn't get my student loan we we have a we have a savings account for education planning which is the importance of education planning


yeah, because that time okay I I feel that right know because, when you are younger right your parents more Kiasu that kind then they will do a educate savings plan those one hundred dollars per month that kind to save for maybe twenty to twenty five years


so actually these kind of plans right it's actually very very beneficial ah for for your younger generation lah future generations hor for their tertiary education, ya but one thing a lot of people they don't know oh is that right actually you can get a zero percent right interest loan ah if you are studying in singapore then let the endowment thing ah run for a few years


then you can have a higher interest at the same time if you have a higher interest at the same time right your returns is higher mah, yeah so you don't need to cash out so fast yeah so that's really a good thing about education in singapore the zero percent interest loan


but I don't know whether how long will it last [lah]


negative experiences, so jo what is, one negative and the thing that frustrates me ah uh


recently ah , actually frustrates me, actually not a lot I'm a very positive person but I can tell you one thing right I can share with you right uh some negative experience I have during uh my door knock days so then back time in GE mah great eastern oh I was doing door knocking then I was door knocking with #siao wong# so one of the house


that we went in ah okay so is this uh indian family so I was like trying to share with the this indian guy about the the need ah to have hospitalization plan because as you know oh especially the very very basic coverage, so this guy ah went a lot went on and on and on and wanted to talk about right how healthy he is how healthy his mother is


then what kind of vegetables they eat every day then uh because of a healthy diet said uh he he had oh he don't want all these things yeah he is saying that right uh just hear us out this is uh just in case you know and transfer of risk in the event whereby touchwood the person was hospitalized then he said that no he would not have hospitalized cause it's not possible


because right uh he so healthy everytime he, eat the he eats his mum foods he eat raw vegetables he eat uh , he eat healthily so you know indians people they like to eat their own curry right their Naan as what uh is called as ah Naan mah correct so he was there saying that oh this curry that the mum made for him ah is the best as the healthiest


no chicken no meat uh vegetables was okay uh no pork okay super healthy then


then oh you know raw onions right when you don't wash your the mouth ah carefully and cleanly ah don't rinse it ah well enough ah the raw onion smell right will be very very much inside your mouth can smell it one and when you talk to people right


the onions smell would go out, then when when we talk to people can smell the onion smell one then right plus right is because that you don't do don't brush it brush it a properly right then the onion like smell like those a rotten onion smell even , even worse right so if a person keep on talking now then I was like half way through I say that uh I give up already I said #siao wang# you want you continue talk to the person I I'm not going to talk to him anymore because the smell is so pungent ah that after I left already I turned to someone I said that


why do you keep on talking to him for another ten minutes we could have avoided that ten minutes you know not after the second time he say rejected I would would've avoided that thing at all, because right is so disgusting at the same time right he's just unfriendly lah and he didn't say thank you at once leh he was just like


uh, giving you the dirty looks you know that kind because you are female then he give you the dirty looks that kind so I was like this guy, horrible so after that right I tell #siao wong# that right I never again ah I'm going to talk to people like that, too much for me already


, uh


(uh huh)


(mmhmm)


correct, (mmhmm)


yeah yeah sometimes is , ya true sometimes we feel that you want to help the person right and the person right like uh you you know that you are coming out right angle he knows that you are coming off a right angle but he just don't want to receive your help then don't want to receive your help still never mind lor don't want to receive your help right is he still like say that uh say something about right uh your help is like


ridiculous redundant all these things eh then he makes you feel that !huh! what am I doing this for, that kind of things you know, so it's very angry right, when


(mmhmm) (mmhmm)


(mmhmm) (mmhmm), correct correct, oh okay


(uh huh) (uh huh) could be quite serious, (uh huh)


(mmhmm), that is true that is true


exactly, so sometimes he frustrates people are dying you know, I want to help you giving you could advise but you just don't work that he said to me then when things happen then you don't come in baby me lah but of course it would still help that things happen lah but deep down I'll be thinking that I mean in a way you deserve it lah because I already tell you this kind of things already you rejected whatever I say then good for you lor


no choice lah, all these things, what to do, sometimes you see them right they won't tell all these things ah, what thing have gone wrong


oh yeah, you know talking about (uh huh) (uh huh), if you want to talk to me or what frustrates me really is recently ah really is the exam leh you know I read the you know because need to do the mock paper mah so mock paper I do I finished all three mock paper


paper then I do it twice first of course I failed then second time right uh you do it so that you can uh revise right just so you know where you get wrong lah for the second time okay therefore I everytime I look at mock paper hor I I really feel like !wah!, tear it up eh the


the english is wrong so never mind the spelling is wrong still never mind eh everything is just wrong eh, you know the calculation part I also don't understand eh how can he get this kind of calculations eh so everything is just wrong


ya correct correct yup, I don't understand what he's trying to say also then the worst you know what's the worst part the worst part is that okay mock paper the spelling wrong uh spelling wrong still never mind you go back to the mock compared to mock paper in the slides ah the slides are don't even provide a single answer to the mock paper


true I agree and the all the and but, for the textbook wise also not a lot the of things ah you can compare from the for the mock paper also so mock paper slides text book ah these three are just three different things that are not linked at all


, ah yeah I agree super agree lor then he uh yesterday night uh the day before Friday Friday right


was up uh to read I finish or I really really finished reading up the whole textbook I was like just like brief keywords think to take note oh etcetera finished the whole thing eh, then oh uh I thought that like things like loan amortization will be very important right then I thought that uh maybe investment they will come up a lot more on investment because mock paper there have a lot of investment question


then uh that's all mah okay then I read up on both of them ah then after that the mock paper come out is more on uh statistics eh I mean literally like got what five to, ten questions is about statistics right at least five ah at least five of them is statistics then I was thinking that hor oh my gosh statistics question is like just touch and go only eh


didn't really touch much on that eh then they ask for five questions only GG lah, eh


yup, , yeah there's actually there's one question on , what's that called ah finding the the oh the bid offers spread one the bid offers one is the worst thing the bid offers spread it's not even it's not even in the mob paper eh it's not even in the mock paper it's not even in the slides eh yeah I was thinking like oh my god this is not even in both


them leh how can how they expect us to do well on these given that right it's not even you never even studied for these two, and I think that , yes


the the answer oh know yesterday test right you know the question that mindy posted, to the to the teacher, it came out two times and the total marks is three marks eh because right it is uh one mark for the one to ninety question then is two marks for ninety one to ninety five questions so it's worth three marks you know yeah it worth three marks


(hmm), a question ninety one to ninety five is two marks each, ya so if you get the last five question wrong ah straight away ten points gone already


so you don't you don't even need to see this this thing already but I don't know whether got bell curve or not lah uh, uh, uh I don't think have bell curve I'm not very sure whether got bell curve


if everybody does badly I'm going to want my money back from the joseph the the the tutor okay to ask him to pay for our second re-sit eh cannot eh if if one person do badly oh okay that means probably the person never revise if it's two person, or maybe three person that do badly probably is because the paper is too hard then the person don't have much time to retry yeah entire group hor does badly right or more than fifty percent of people that do not do not pass right that means something is very wrong already eh for his teaching method eh


yeah sia and he study for it eh simon also say difficult simon is the one simon also say difficult means that something is very wrong already eh


yeah I think it's the uh probably is the bid of a thing one, don't even don't even uh oh, okay don't even know whether the teacher, is it sufficient to teach or not


ya sia angry leh, how can a teacher be like that, and the worst thing is you put in effort to do it these things so angry, ya so actually do you recently see any movies that make you very angry


movies video, oh recently, oh why leh


I think people don't care Liao eh you know Pasar there right they still have this thing that you need to queue everything but the people inside the supermarket is like so many and is a supermarket I mean how can you do stay distancing in a supermarket is like so limited space with so many people


so it's like, (mmhmm), oh is it is it better than the mask


jump like a police like that , but I feels, ya I think I agree with you is like people forget what's COVID already is like you're being so used to the news on COVID that you forget actually what is COVID and how dangerous COVID can be in terms of the transmission wise because you feel like people who don't really care ah just go and what what's stay distancing


you don't care just do everything as per normal, sometimes when you, sometimes you go out will be scared also


but I think that will be a bit hard also eh I mean


how much can a government do, when the people don't really don't really realize can, protect themselves I mean you can only and you can only put so much fine on a certain thing one I mean the fine increase right people will you know retaliate already say !huh! these things why


but it just it's a bit sad lah come to think of it but actually cannot blame government also I think because in terms of clockwise right you can see that majority of people there they still doing this this it's most like aunties and uncles that don't really understand the situation just know that the


yeah and it's very quiet also super quiet, yeah , I agree with you lah but what no choice lor


now there're time was telling you that right uh I tell my grandma grandma was like trying wanting to go out I tell my grandma that you go out you could Kena fine for five hundred dollars to prohibit her to go out because I know that right not aunties like these ah you don't let her go out right she


she cannot take it leh she need to go and walk then when she go out and walk right then she want to buy stuff then she'll have the high tendency right to mix with people right that maybe Kena COVID you also don't know, yeah so


you protect yourself lah protect yourself and protect your family lah I think they don't understand the need of that lah, yeah, and we're very angry on all these things know sometimes you would argue with her right especially older folks ah you argue with them you you you cannot uh reason with them ah because


your logic and their logic they never match one they always thinks ways right to argue back with you one so it's very frustrating so got one time ah I tell them that no you cannot go out at all then hor, she really really want to go out one eh cannot stop her one leh she insisted leh and end up right we argued


!wah! then at the end of day I was thinking like let her go lah I mean, you cannot find her anyway you are just a grandchildren only you cannot even argue with her right whether she can go or cannot go you just let her go let her be have some peace in your mind


true, yes I agree


yeah that's true, but I feel that right people are quite used to CB already eh you see people quite chillax already eh


positive experiences, okay, so joe ask you a very uh, sensitive question ah actually what makes you want to be alive


or rather what motivates you lah everyday, yeah


that's true, , these uh family lor I think everything stands from uh people that you love and care about


yeah so, it's like you not say don't feel alive lah but uh wake up everyday right, happy that you are still alive right is because that at least you got one more day right to spend with your loved ones ah, ya so that's what I feel lor in terms of what makes you want to be alive


that's true (hmm)


but I feel that uh it, it's because of that kind of it's it's because of we don't think that way right that in a way makes us feel that we are some people ah maybe taking for granted for life, yeah, so, (hmm) I agree ah


but what to do this is life right many with different people have different the life path ah what do you call that you know, so must be happy everyday, and must be grateful everyday lah because you never know that today what will happen tomorrow mah


correct I agree , secretly proud of doing or having at uh


uh, I secretly proud of having, don't know leh I feel that I don't have a lot of skills I very mundane you know no nothing active, okay lah I feel maybe uh like to cook soup maybe I'm proud of to make a soup


yeah I made a very good soup, really most, those you know those chinese herbal soup right then those you know uh #yong tau foo# soup then those you know uh fishball soup all this kind of soup right I'm very good of doing it I'm very proud of that yes


but but I only good at do uh cooking uh vegetarian soup, ya my mum don't eat meat mah so we don't eat, so are you secretly proud of


!wow! oh you make bread ah I thought usually is cake


that's the first cake that I know to bake eh like honestly chiffon cake


oh ya I got, I think so I think around there ya, true true chiffon cake whatever happen to your chiffon cake is it because you cannot rise properly or what


never collapse what do you mean


!huh!, yeah yeah yeah, to cool it down correct, (uh huh)


too much butter is it, (uh huh), correct, then what happened, so it's just


(uh huh) oh bun bun


sponge oh sponge cake that means that your flour is either your flour got some problems or if not you uh never separate eggs properly, correct, so usually you bake cakes lah cakes and bread


ah, ah, I like, so your house is a built in oven or those uh convention oven, (mmhmm) oh


you need to do you need to like fully renovate it out or what, yeah, ya then to build in the space right, you know I very sometimes I very jealous at people at those people right at home got those convention oven ah those built in oven one because it's very <mandarin>方便：fang bian</mandarin> mah you know very accessible also


right, I agree because last time I really like to bake you know last time when I was younger ah you know uh when, your parents is not at home right you like to do all sorts of things I make candy before like you know


candy sweets , I melted sugar just to make and also right I made caramel before, so you know melt the sugar right then you then you poured the milk inside right then you will make then after that you made a lot right then I want to make toffee but I think toffee needs one more ingredient apart from just milk uh I think some powder or something like that lah so that to make it more sticky mah


I, have a table top I have a conventional oven at home it's just that you know no space to put it then you don't use it regularly right then like a bit waste of space that kind so sad right I also want to I also like to bake


ah you read oh play game oh I'm a very good reader now nowadays don't pay much game ah, uh, yeah I play Haru slide like know the the cat being then they can slide here slide there one okay next time I show it to you yes next time I show it to you


(mmhmm) oh


I think is, I think it's very normal lah is like because I haven't experienced SARS uh when I was adult, so when you know SARS period right there's also a lot of uncertainty in terms of but it's not as bad as COVID seriously because uh but SARS is more unexpected mah yeah


but because of that right uh after SARS life still go on right and after SARS right economy's getting better and you know ya so I think that it's just a cycle lor it's life cycle uh after COVID right there might be something, much more dangerous much more Jialat than COVID some maybe some new illnesses


correct or maybe global warming, which is already happening already yah so actually in terms of the future wise right to be optimistic or to be uh pessimistic ah it makes no difference ah it's just that uh are we, uh ready to do deal with all these things or not and


since you already dealing it now are you able right to make the second cycle when we're dealing it again ah, even more prepared for it or not ya I think that's the question there you should ask ourselves lah but it's true a lot of my clients also say that right uh they're not working, they can't they can't get a job for those people that's doing part time one lah they can't get a job and those people that right is like looking for job and always doing all job like they say the economy is so bad that uh work or not work is no difference


yeah, but we have to be prepared lor, for the next cycle, correct, because is is really low already how low can you go


(mmhmm)


, yeah


yeah I agree with you, been creating and promoting fear all these things I've actually I agree with you eh you know social media is so scary there nowadays I don't know be malaysia don't know actually what are the malaysian talking about their politics


this everyday ah at at least ah maybe about ten ten different, malaysian doing those kind of video uh call or video feedback on youtube ah to comment about the politics now and what are the stupid thing that the government have been doing so I think then it's true lah what you say is true lah internet does place a role I remember that when


when SARS is there is when SARS hit singapore right I was very much younger right, they still need to mail us our worksheet ah everything to do homework right now right the student is online learning already yeah so actually life life still goes on mah, right correct (mmhmm)


ya, I tell you ah uh you know the news said that what uh COVID is going to continue next year, as the the news uh some news article that mentioned yesterday, and my dad was reading it then and COVID right might be continue next year next year leh I planning to go overseas next year eh I mean singapore there's nothing much to can see right


\go, so which part of taiwan you want to go, next time Tai #tai zhong# got what yeah oh yeah yeah yeah


correct correct Taichung I I thought was it, Taichung, Tainan is the one uh one is one place whereby they have a lot of food there one famous for their food I think is it Tainan, Tainan, Tainan taipei Taichung


(uh huh) nice, nice, nice


correct I agree I agree taipei taiwan is very nice and somemore you can speak their language somemore you understand them, and then that time oh we go taiwan we didn't go a lot of places those <mandarin>夜市:ye shi</mandarin> right I think got a lot quite a lot a fair bit that we left out eh, yeah


yeah sia apart from taiwan, correct I agree apart from taiwan right what other countries you would would like to go


(mmhmm), (uh huh), (uh huh)


it, oh interesting


nice, nice , (mmhmm)


, say I I


actually I never never been to UK I think maybe UK is a nice choice to go to but I actually really wanted to go back to rome, italy I like italy, I like rome but I like italy I I want to go other place of italy instead of just rome ya italy is very interesting country yeah I like it a lot


rome also because of their culture and because of uh they're really, it's very interesting read up a book so that's why is very interesting but I heard that turkey is very nice turkey you know maybe want to go explore uh travel around the world lah but nowadays a bit is it very nice


yeah, hard uh is it very hot there, egypt I want to eat there egypt, camel ah


but they eat beef and lamb right, they don't really eat chicken and pork right, so they usually just lamb and, beef I'm not very sure


but, I thought is going to be very hot they likes sweets also, they likes sweets also I don't like turkey they likes sweets you know the sweet sweet kind of sweets, yeah, yes oh damn damn super sweet their coffee


but actually true, actually in terms of their food differences and their breakfast oh you know singapore eat #bee hoon# we eat #char kway teow# we eat uh those uh #cha tao ge# everything right for breakfast ah their breakfast hor uh those cheese


spread with bread and the bread is free flow bread, it's a bit like (hmm) uh I'm not a very bread person in the morning so no comments no comments there interesting right


but the best place really oh I really want to go oh it's really back to rome again, vatican city so


yeah exactly, you can just blend, I agree and they're young when I was younger my mum brought me to disneyland then my sister very jealous then she said that so young bring her to disneyland for what she don't even


know that she is at disneyland then when they showed disneyland disneyland at US disneyland, yup !wow!, which is that time I was like one years old uh so then they have pictures of they have pictures of me you know then I was laying on the uh the the the ground then like doing some very funny post there then after that right they take a look at the pictures says oh actually you've been to


disneyland I was like !huh! oh okay good good for me no recollection at all so no recollection, yeah, no actually I think, they want to go then they purposely say that oh uh they want to go they purposely say that I want to go


then they purposely say that oh because she want to go right so we go actually is they want to go one, yeah, so I'm the third wheel , I see UK is nice UK UK have food very nice the biscuit the cultural


very very Atas kind is it very nice, they sell Kebab there at UK leh I thought usually they just drink tea


(uh huh), , interesting then do you all have afternoon tea for at UK in UK


(ppl) anyhow [sia] you


financial related topic, , yes I do


uh POSB uh DBS yeah, ya true but somehow they still separate their banking uh like bank, books and cards so on and so forth so it's still slightly different lah


(hmm) , yup agree


(hmm) for, I, I think for banks right on the whole I feel that , it usually won't the the amount usually won't increase it seems to be although


is like monthly you probably bank in like a certain amount of money but it doesn't grow, it remained stagnant yeah so it's either stagnant or you go downwards lah


agree correct, correct so it's like you're spending just to get like


and in in a way is like you go for a sales right and then they the aunty tell you eh you can get another ten percent off by buying another item so it's almost like the same it's almost like the same thing, so is like in in order for you to get a higher interest right you have to spend


so by spending more but yet they give you a higher interest ah I'm not exactly sure whether really you are getting that, much of a rebate have you thought about that, correct


yeah, correct I totally agree with you so so really getting higher interest I really don't think that works that is why well I mean it's not a bad idea to, put into a higher yield bank account but for the sake of getting more interest you are spending more I don't see how it works that way ah but


I, don't know that there is some somewhat uh other higher yielding accounts yeah that's available in the market but I don't think they want you to they need you to spend


uh if it's with an insurance company they gives you two point five per cent singlife the first ten K mah two point five percent yeah, ya so so I think that would be an alternative to people that wants like high yielding account yet don't want to have like


uh don't want to spend extra money per month, yeah (hmm)


yes I do but my credit card is not tied to my account, as in not tag to the bank that I'm with ya, ya it's a different bank how about you, yeah


oh I think it's not a bad idea to have credit card because that could be like for emergency sake but uh of course we need to be able to manage, as well so not so as not to overspend but uh I think credit card is not a bad idea uh if you need to pay something and then you know you can actually earn points


yeah, , I think uh citibank is not a bad idea


citibank the the the points are quite okay and the points you can actually exchange for vouchers like Takashimaya, vouchers what else ah uh Tangs vouchers which is not bad


yeah, and then uh what else , last time they used to be I heard that the POSB everyday card they stopped issuing credit card


I don't even know whether they still have a debit card but I heard that they actually stop this everyday card I'm not exactly, sure why but uh for my parents right they they definitely love uh that, ya ya ya


and then is like when you go watson's to buy things right uh they actually give them additional rebates ah so watson's card already has like rebates right then the the everyday card right they actually have additional rebates


, yeah I think they kind of stopped the everyday card I'm not sure about that, I think so too yeah but I mean just you can just get a credit card but set the credit limit to very low maybe like five thousand dollars that kind and so you know that even when you like over


where you really spend right that amount of money ah you still have, to in order to pay up you know even if you max up the card yeah so , I know some people doing that as well so they have like uh but I I usually don't encourage like multiple credit cards because it's a fuss and you tend to like uh the person will tend to like spend like okay if you max out one card then you go another card


ya so uh #xin hui# I know most of us will have like credit card debit card with with banks right what about insurance have you gotten any call from the banks on insurance like personal insurance for example uh personal accident insurance


, yeah would you buy from them


, same here before before I was in the industry it's the same thing it's like it sounds very impressive and they tell you like eh is only like what less than a dollar a day so you know when they tell you it's less than a dollar a day right you won't


think much you will just like just pick up the thing right anyway it's just due to your account, oh is it, !huh! really


(hmm), I I know my uncle right my uncle also one of my client right he actually gets a lot of calls from uh AMEX credit card company, with regards to a personal accident plans so they very smart they will tell you eh ah every month uh we will just bill you probably thirty dollars to your credit card right and then you get covered for uh one million dollars for example


ya and then he will go like eh !wah! eh not bad lah the coverage so high is only like thirty dollars but uh and it's and it's actually the insurer is actually chubbs which is you know chubbs is never in the personal insurance industry


yeah but if you tell me a commercial insurance yeah I agree company insurance chubbs especially in like cyber security right, they are big in that nobody can fight them but when it comes to personal insurance right seriously


ya but the thing is right if the person really get hospitalized or say uh really really get an accident get into an accident for example or even like as small thing as dengue


how how who is gonna do the claim nobody is going to be doing the claim oh because the bank is a merchant the merchant is not going to like help you do any claims after they sell you the product


so strangely right they can do that with bank ah but it's the same thing with like insurers ah it's the same thing like AIA personal accident plan is also like less than a dollar a day or even a dollar a day and then you also get covered with like hospitalized hospital income it's the same thing


(hmm), so how about ah next time we can just do this ah we can just say uh it's a dollar a day anyway it charge to your credit card is the same as what you do with the banks and you also won't see the money


!huh! that's a very good idea hor #xin hui# ya must must go and check compliant can or not , (hmm)


actually no leh actually no lah I've never gotten any investment product from banks before ah, have you


I mean it's not a bad thing ya, ya you got one client what


!wah! but that black rock that black rock that she is investing is is retail is not uh institutional that's the thing


(hmm), I feel that investing with banks right it unless you already unless


there are some private banking client right and then you have a private banker RM that is like serving you personally otherwise buying from bank right it's almost like you just invest on your own lor you might as well just go and open an account and then invest on your own is almost like that lah


yeah I mean I agree with you on that at least you know uh as as consultants we will actually tell our client as well so it's better than if you go to a bank most of the bank unless you are private uh private banking clients lah if not


they probably won't even call you at all not even once a year for review , oh oh oh oh


oh, because you don't have one million dollar in the bank mah ,


they don't care they don't care really cause it's just like my parents they went to maybank right then the FA there right, sell them like a PGL relate uh PGL uh similar to PGL product lor, and, and then knowing my dad right my dad is a VC mah so obviously my dad unless my mum explain to him my my mum can be the TI for my dad but then the trusted individuals for my dad right but


they my mum also didn't understand the plan and all lor so when they when they, sign right they thought that uh on a second year onwards ah they can start withdrawing money eh they can start getting money, so but when I read through the policy document right it's not it is exactly like PGL but with a lower return so I was so angry I caught the FA right I said eh please set up an appointment I'll go down


so I pointed out he's he's doing it he's not explaining thing number one and he selling a product to a VC without the TI knowing exactly what it is or explaining anything, to my dad ya so I was so angry lor I free look the whole thing oh


yeah and lucky I'm in the industry right imagine if I'm not in the industry ah then how, correct, not every year they go and buy one PGL oh because of the fixed D right they tell you oh uh we just transfer the fixed D uh amount into this uh plan


and you see ah a lot of people don't know ah when they go to the bank to to get like higher interest uh saving accounts right it's actually insurance product but they just they are just not aware of it, yeah


correct ya exactly


correct lor it's it's just yeah, so is like and and you know all these RM right most of the time they don't stay for very long unless they're doing, very well and and they they get promoted into like a to serve like private banking clients right otherwise they don't stay very long they stay even like a shorter period as a lot of those FC in the market lor they probably like stay a few months then they Zhao already


(hmm), yeah yeah I agree yeah


I agree eh then do you do you actually uh last time when you did your student loan right did you like loan from bank, or what


oh you didn't get student loan !huh!, !wahseh! !wahseh! eh share more share more come,


, agree


oh okay , correct okay


[oh] okay don't know about that [leh] [eh]


negative experiences, so #xin hui# anything that frustrate you , recently recently


, ah


(hmm)


ya super stinky oh, correct, gross , !eww!


yeah I agree with you, it's the same when , strangely is also a indian family uh not trying to be racist ah but really this is also indian family we met his, during the retail door knock when I was uh door knocking with uh Sarosh


so we met the wife the wife is from india she speaks very limited uh english so she pointed us to her husband told us that okay you call my husband because my husband is in charge of uh all the insurance stuffs right


so we made an appointment we went down uh I went down together with Sarosh and we went there right I shared with her you know the, the one whereby if uh because he's so called the main breadwinner right so I shared with him I drew the diagram the couple the key the parents


so when he's gone right so I struck him off what's going to happen, what made me very very upset ah is that he went on and on saying no no no worry we can just go back to india, in india I have everything so I said you know you go back to india


you think your wife and your children can just react immediately and go back, number two the children are really schooling in singapore schools you want them to just you know uh get out of the school and go back to india then who's going to sell your HDB flats


oh I have my brother, so he went on and on and on no regardless whatever I said right he just went on and on and on, so I was I mean I was super upset how can this person be so irresponsible especially he's the main breadwinner he has two young children the wife is not even like earning


yeah, so I think it's super irresponsible, so eventually we left the place oh because he just went on and on and on, I mean I,


correct, I mean the same lah correct super angry and the same thing goes to my existing client right you know I've been


telling her that you need to get accident plan especially for your younger one right her youngest she has three kids mah the youngest is uh only like about two years old, so just started like playgroup right so I say especially that you know this age group ah you must have accident plan and her ex agent ah the IFA agent ah told her to cancel all the plans you know cancel all the personal accident plan


because it's redundant I was so angry and then I keep telling her no you must have accident plan she kept saying !aiya! but there's no cash value , then the next moment right she got into an accident and the accident right it's not I mean it's not a very serious accident but she was bitten by her she was bitten by her dog


and she needed stitches, like I don't know how many stitches ah lah I mean it's not like a super serious accident but eh that's accident lor then is like, then she will go like uh there was this once the kid


don't know fell down or something like that went to hospital right then she ask me eh is there anything I can claim out of this uh out of all my policies then I was like telling her well you cancelled the one that you can claim from right


yeah, then he is like eh when you want to claim then you you think about what you what policy you can claim from but it's like accident plan is the most basic one that one can have right is so cheap lor, I don't get it oh I really don't get it oh


yeah, yeah


, ya lor I agree lor, ya but I don't get it oh I just don't get it,


eh but I uh, yeah I know right and then recently hor is like whatever can go wrong ah I will go wrong as well eh, don't understand why it's like you know the need just yesterday our exam right it's like I tell you for the first time in my whole entire life ah I actually study until the morning eh I started at about six eh


I woke up at about eight o'clock, so two hours sleep eh, ,


correct remember the question I asked you on on that uh you move the future the what uh future value


to present value that question so you drew the timeline for me right it's so easy to understand but you go and look at his answer right is totally wrong lor


correct and is too late to read out the whole entire textbook I tell you the textbook has a lot more information leh


ya then the fourth the fourth different thing is our paper our actual paper it's totally different from anything that is in any of the the items that he gave us,


, correct ya


ya the calculations are all !wah! I tell you, I I really wanted to cry oh and I saw paper I'm like !wah! theory the some of the question really just Tikam oh and then the calculation is also the same thing whatever that we have studied oh is like nowhere near whatever the paper came out oh


ah, two questions, ya, ya


ya, I don't know leh, ya not at all so and is is like two questions of all the calculation questions eh so two already down because I really don't know


do it so I I just become Tikam I really just like pick a an answer and I don't even know which is the answer , ah ah


really you mean they're not equal points ah you you mean in the questions are not equal points ah


oh my god okay I'm so dead, !huh! oh my god


I mean bell curve or not if everybody does badly you bell curve also you know that's as much as you can do, yeah


but the entire group eh imagine the entire group


imagine vincent also say it's difficult yeah is it


rick was telling me that he thinks that it's okay but there are calculation that he doesn't know how to do as well, don't know


yeah really upset oh really upset oh, !wah!, like , yeah what kind of lecturer is that seriously


(hmm) , not really lah haven't been watching shows but I I I feel is like uh uh recently there are a lot of people that has forgotten that COVID is still around because you if you go out to to shopping centers right


it's like there are a lot of people around and the crowd is horrendous it's my hubby was just telling me yesterday he went to the uh food court opposite my place ah, the #sheng shiong# there to Tapau food right he said the place is back to like pre COVID days whereby everybody is eating there smoking there buying beer drinking there


so is like I don't get it don't they feel worry I mean I'm damn scared leh it's like I'm very worried that the community cases will go up even further,


yeah I mean they just don't control crowds anymore and I mean I've been I've been really worry about it especially if I bring the girls out right so I make them wear the the face shield lor


uh they will wear masks and face shield so, I I get a bit Kiasu so it's like double layered protection cause I'm I'm really very worry eh imagine a person walking around that has no symptom may be COVID carrier


, ya so I


I mean I I think I think the maybe the government or like the health promotion board or whatever uh COVID committee out there right maybe should do should do more in education or like really send more people out to catch people that are trying


to to not follow social distancing


I mean true, but it's a bit sad right


I mean I kind of miss the the the CB days oh whereby when you go out to buy things there aren't many people out there, so it's like quite scary ah,


I know but it's like don't know I mean you can't during the, CB days really, , I feel really is the old people that are, like my dad as well right he will everyday go out to buy things so he's so used to that routine then I had to tell him eh you cannot keep doing that because I'm not saying that you will definitely get COVID but you have to I mean as healthy as you are but you have to be you have to be you know


protect yourself ah yeah, correct, , yeah


but I tell you ya I know but I tell you my biggest fear now right is that we will go back to the circuit breaker again


because it's I mean it's obvious that the committee cases are going up we've been in double digit and I don't see why why we shouldn't go back, to CB again lor cause that's my biggest fear yeah


and then is like you walk around you don't know who who is the carrier so is, (mm) correct


positive experiences


!wah! what what what, oh, never really thought about that but I guess what motivates me ah I think my my my twins my pair of twins and my parents because I'm a only child and my twins are still very young so obviously I need to be alive to take care of them right


what about you you are not married and you know you don't have kids so what makes you feel that you want to be alive daily,


actually I've never really thought about like when I wake up in when I wake up in the morning in and I'm happy that I'm alive I've never really have that you know that thought, it's just like oh okay I woke up today I'm still alive that's all but never really like okay today I'm alive what am I going to do I think it's a bit it's a bit weird right to have that thought but I don't


, yup I agree with you and it's quite sad so I was going to like uh tell you like one of my friends right she has she was she was diagnosed with cancer she she already recovered


so she was diagnosed with cancer right so everyday when she wakes up right is really like oh thank god I am alive kind yeah I think it's quite sad leh to be honest, ya lor


her, yeah I think gratitude is a very important thing so like when you have gratitude right you will really appreciate your life oh


eh so is there something ah you are secretly proud of doing or having, like a skill or something


, !huh! really ah, !huh! really ah !huh! what kind of soup, oh


!huh! really ah okay next time I must go to your house ask me ask me what I'm proud of , oh yeah okay because your family is vegetarian I know never mind invite me invite me next time I go to your house


I am secretly very proud that I can bake I can actually make quite good good bread, uh I can do both, but uh recently somehow you know chiffon cake ah I don't know why the dough fail ah it's such an


easy cake ah I mean it's an easy cake but it's also a a cake that will give you a lot of trouble , yeah I agree and I and it's like when you know how to bake right you you know that you actually save a lot of money because when you go to


when you go to those bakeries right but why chiffon cake can can it's already like what you go to uh what bengawan solo how much is a chiffon cake more than ten dollars I think yeah but the ingredients are very cheap only leh


ya so, no it rise uh it's so bad I think that uh in the history right probably I'm the only one that managed to


create bake a chiffon cake right that will never fall that will never collapse , so you know ah when you bake chiffon cake right you have to uh turn the chiffon cake when you take it out you have to turn the chiffon cake, upside down right to cool down right so yeah to cool it down so uh when I flip it over right


it started to unlodge itself from the tin so by right if that were by right uh if that happens right the chiffon cake will collapse eventually right but it didn't


nothing happened lor it become it became like a it became a a cake it is a successful cake but just not very soft and fluffy lor I think it tasted more like a sponge, than a chiffon yeah sponge yeah


I don't know eh I seriously don't know eh so I'm going to try again ha this time I'm going to make Pandan (hmm) ya cakes and bread bread usually I'll make buns like luncheon meat buns uh raising buns I've found a recipe that is very good at it's eggless


convention oven I don't have I didn't when so when I first moved in this house right I didn't, have like I I haven't started like baking actively so I've never actually had allocated a space for a built in oven and it


if I want to do that now right uh I don't have that space , I think so I need to hack down the whole entire kitchen and the cabinets oh, ya lor


yeah, correct is very good and then in terms of heat distribution right is a lot better as well, yeah


, !wah! oh !wah!


ah okay , no no I've never done that eh but you can actually get those ah smaller table top ovens to do all these things what


put inside your room ah true lah true lah (hmm) eh but oh then when you want to unwind and relax what what do you do play what game


oh, !huh! really okay okay okay, eh but but lately like there's a lot of uncertainty ah because of the COVID thing right so do you still feel optimistic about the future I mean a lot


a lot of my clients has been feeling very down and they will like say uh oh I don't know whether I still have my job this and that what do you think about,


, I agree maybe


yeah,


agree,


oh yeah I agree I agree I mean everything when it touches the bottom it will definitely bounce back, but so, correct I mean I think a part of it when during SARS right I mean I've been through SARS when I was much much younger


during the SARS days I think because we don't have internet internet is not something that is very common it's not like you have a smartphone and everything social media and all this stuff during that point of time is not very popular so, I guess that's when uh and obviously the elderly they're


not into like social media like now so and then there's no whatsapp right so people don't like send, those messages telling you oh you know SARS is going to kill you you need to eat these to, prevent SARS or you need to wear that you know all these kind of thing so


but but during but now with COVID right because of social media right because of whatsapp right there's there are a lot of like those very negative messages, that are not real that you know these elderly are getting so I think with that right it and those like not very educated ones ah when they read this kind of messages ah they will they will tend to freak out so I


feels social media also play a part, in this yeah, , correct lor


oh,


oh, correct lor home based learning, yeah I mean I mean it still goes on and then is like I think at least


the process and everything is improving compared to the SARS days, ya eh speaking of what COVID right I really missed travelling lor !wah! miss taiwan eh want to go back taiwan oh I missed travelling with you oh


oh


ya I know right I !wah! I really miss I really really miss taiwan lor, uh I think this round oh should go Taichung because the last time we went taipei right so Taichung there has like farms I think there are more things to see then can go to those #ming su# and all those things and and also go Tainan I think also not a bad idea eh next year we go ah


is it, ya so that day I was watching these hongkong show right then part of it is filmed in, in taiwan right then I saw I saw like some shops you see in Ximending ah I was like eh those shops looks very familiar I know where is Ximending I'm like !wah! then I really !wah!


really missed Ximending the #chou dou fu# !wah! so good, correct uh


uh, we were there for such short period no but we have to go and look for the #shi da ge# again, , uh, I would like to go back to europe because the last round I went to europe was like probably ten years ago and it's I I tell you I was really wowed by the country is so huge so I only went to like UK and UK and uh paris


I tell you paris is nowhere like what is being portrayed in a movies it's not romantic is very dirty is filled with dog shit all over the place and everybody young or old are smoking


ya correct it's it's really not like the movies so but I also did the alfresco thing right so sat outside look at people !wah! cold like shit because, it was a it was what it was autumn it was very cold autumn going towards winter so it was like really really cold but I did alfresco regardless


but I went into #notre dame# right now I I know it's burned down already right, so but !wah! that place is really ha I really hope to go back to to europe again plus UK I didn't spend a lot of time so there're a lot of places that I didn't go to like the museums which I think I really want to go back what about you


, oh ya ya you went rome right during one of the convention, !huh! really ah oh why


oh, my husband has been to egypt


no , I mean it's it's it's nice it's hot but uh, he didn't like the food there and he actually got very bad food poisoning, no ah those meat in those middle east kind of food ah those Kebab and north things lah I I don't know also I've not been


there ya yes they don't eat pork one, oh no no no wait they eat pork they're not a muslim country right, don't know anyway yeah I think they eat more of lamb or ya correct


yes yes yes then they put the rose syrup our Bandung Bandung , ya eh but their rose syrup oh is like very pure rose eh it's not like Bandung kind of flavoring and color their rose syrup is really rose syrup


Shiok lah right, oh ya ya that's true you don't like eat bread , Shiok eh I like , but yeah


yeah we we should we should plan plan a bit then we can go back !wah! but, but if I want to go back to europe now ah it's going to be very expensive because I have the two girls, four to travel at least ten K eh


which disney which disney !whoa!


I've never been to !wah! US is one country that I'll love to go, !huh! , eh wasted leh wasted


really like since when , ya you only one eh !wah! eh but it's it's really wasted quite wasted yeah but


right, but, ya lah but we have to go back to UK because my brother in law is there so eventually we will still need to bring the girls there


, oh I tell you the Kebab there I tell you the Kebab there strangely the Kebab there is super super good I should show you the picture is damn good ya ya is opened by those like middle eastern people so it's very authentic !wah!


super love it is even better we eat that for breakfast right and it's even better than the british breakfast, yeah, no ah just walk around buy anything to eat oh ,


part one financial related topic


gerald you have a savings account or not


uh what do you mean by savings expanding just now


uh I don't have uh anymore, ya uh, my mother cancelled it , ya, uh so now I don't uh the money just go to my bank one I don't have like a savings account and I didn't get another one lah I had the opportunity back in poly but


uh I I think I just didn't like the one the plan lah that was being promoted to me, but I wouldn't actually mind having one also


uh nah I don't have a, high you you know, but fixed deposit uh as in, like every month I will put a fixed amount is it is it what you asking, oh ya uh every month


uh my basic pay lah every month is just, it's just my fixed deposit lor I don't really take it out


then uh you will have a credit or debit card ah which one


oh uh true ah true, for me, ya for me I only have a debit card , ya because a credit card you pay after you purchase your things mah right, ya then you have to go pay after that so


I think it's uh a bit troublesome ah, ya so but I never actually use it before so I also, I'm not too sure how it will be like if I actually use it, so I've just been using my debit card for everything [loh]


more convenient lah that's why I use my debit card I and I did not like purposely choose not to have like a credit card it's just that happens to be the first card I have and hearing the difference between the two cards


I want to get like the credit the debit card more than a credit card and so far I'm not, like having any issues with it lah so I don't think I'll be getting a credit card soon either


uh miles is for people that fly a lot lah, oh then what about points and cash rate I I don't know about this ah


uh then points is you can exchange for things is it, oh okay okay, so what your credit card can have like one of these at any point of time ah or like can have all three of them at same at the same time


minimum income as in the spending ah


oh okay okay so you have to apply for your the card range you can fit isn't it, then which one you use cashback points or miles


uh you can only get miles by or you can get miles by spending on anything right don't have to be, okay the what sort of items can you get with point with points ah


oh so is small little things ah, usually what do people redeem if they go for point instead


so the range of items is like can go all the way to luggage ah


oh uh I don't have any, experience in purchasing insurance products, ya, uh uh because so far all the interest I have is uh back when I was still younger then purchase one lah so I myself never had to


uh buy any myself, but I have a had people come up to me and try to promote to me, uh insurance products and savings accounts all these things ah, you do you have, are you purchase do you like make your own decision to buy any insurance


oh true true will only be, adding more the list of thing you have to pay, what what plan do they usually product uh what is that ah what plan do they savings ah


oh uh you mentioned you already have one already right, ah okay why why didn't you get it though, savings ya because, uh you want then fifty dollars lah


ah , okay lah money in hand is better, could I didn't get it, also because ah I sort of feel that way also lah


oh ya because this one you just put in there then you just ah everyone just keep putting, only you only really know stuff when you


uh so I guess this question don't really apply lah since just now we answered no, the screen did it turn grey for you


ah, wait wait wait but maybe we can I I think we can still talk about the insurance product more ah so, you got any plans to buy soon or not like yourself lah


but has any plan like caught your eyes so far


uh oh more questions, what advice would you give to someone to get him or her out of debt


oh uh for me uh I had actually had this happen to me in real life I had a junior that caught into online gambling and then he got into a debt of, uh five digits, ya so


uh I'm not going to name him lah and actually now I I'm not in contact with him already, but the the advice I would give him uh, would be like, just to stop it lor but, of course most people don't listen to that lah so


, uh I had friends that, lend him money ah to like help me clear the debt, but not whether he after he clears his debt does he still continue gambling or not we don't know lah


so we will like, sort of a threatened him ah and say if you continue gambling and like don't pay back the money we loan you because they they actually write it down on a paper then we will like call the call the police on you ah and they have like more frequent meet up with uh my junior so we can


just find out what's going on recently if he's still gambling and stuff, ya uh that he should be out of debt now lah


uh currently I'm investing in like some crypto currency lor, ya then, uh I'm only started not not long lah so I'm not sure if this will be a, long term thing but


I think it can be ah and as you build up experience, you will, start earning more than you lose and then, may not be enough for you to, do it as like your main job lah if it can even be called a job but