I blush the most but of course receiving compliments from others, uh from even at work work wise actually make you blush


I would say working out will be one of uh uh favourite activity that able to relax, and of course listening to music mostly are the most basic stuff, ya working out and listening to music


and of course shopping as well as (ppb) yes retail therapy is one of the [oh] ya retail therapy is definitely one of my favorite activity to unwind and relax


me I think that six to nine months saving not enough


because six to nine months what if like for example you lost your job, if you lose your job maybe like during this COVID period right you might not even find a job like maybe nine months later because uh come it's august now is coming september so with nine months of savings from your monthly expenses is not enough


maybe at at my, personal point of view lah


ya because now the job market is also like , like how do I put it uh it's not so good lah and a lot of people is like losing their jobs and there are retrenchment everywhere so like okay like I previously said lah coming to september many of my friends


are still not holding a job right now, ya due to retrenchment uh due to like uh maybe they want to quit they thought they can find another job but they can't, that's the problem and then what if your next job let's say maybe you are drawing three thousand dollars now maybe your next job you are not going to draw three thousand dollars maybe they will cut your pay they might give you two thousand dollars two thousand three are you going to take that job


if you are not going to take the job then, of course you have to like put all these lah into into your plans


but is but is not technically is not possible technically is not possible because you have to have two person's name


for one property you have to join lease have to have joint names for younger people right it's not possible if you are thirty five years old and above ya sure maybe you can but you must also have enough funds you know


but passive income is that is if you rent out your your room or your whole unit ya unless you have more than one property ah if not then is not called considered passive


sorry are you talking to me oh sorry sorry sorry


ya of course is necessary is I own one and actually by right CPF under medisave they're also supposed to be buying it I think it's compulsory for us to get it lah so yes I do have one and


but I would say this one it depends on what policy you buy and what of the what plans you buy lah


ya but for me I don't really agree on savings plan lah for younger people because savings plan once you put money into it right you have to wait like what maybe five years ten years to get back your money, I think it's not it's not feasible lah for younger people who are staying in singapore because you won't know like what if you are going to get married in two years time but then you have to commit yourself into the plan for five years or ten years


what if you need the money what if you suddenly need the money you cannot take the money out then what you have to sell it away if you sell it away sure surely is at a loss


ya but I think it like like for for people who have like plans lah like for example if you are going to start this saving plans for from when you are twenty one years old if you start working at twenty one years old and then when you start buying it at twenty one years old and you don't plan on getting married or get a house


at uh I don't know uh twenty four or twenty five years old ya maybe uh savings plan is a good plan but then if we are going to plan or getting married or even getting a house by the age of twenty five and then your savings plan is like ten years


and then what if suddenly you have a baby, all these are expenses leh which I feel that , (ugh) to me lah I feel that is unnecessary expenses lah for savings plan for now like I would rather like you save the money buy some stocks you know buy some stocks maybe at least oh at least you can sell it away when you need the money at least you won't sell at a


loss at least you will know, ya but what uh but you can join like all those uh dividends you actually get back money every month ya so there are there are many


all all these bonds all this dividends you actually put a sum of money in and then maybe they will give back uh depends on the risk lah it's about three percent to the maximum that I have is seven percent


so for example if you put thirty K in actually you are getting the interest every month so over time I think that is your earning already so you just have to actually hit the


the balance the balanced point lah when you sell it away usually people don't sell it so fast also but then if you need the money this is considered like a fast cash plus the interest rate is usually higher than, what the banks are giving also


ya but then you have to buy with care lah because current current market is not so good but then if you have the extra money right the current market is is better to get in now than after COVID because the share price will keep rising


ya my my current share price that I bought was around eighty nine cents, but if I'm going to sell it now I'm going to lose money, I can only sell about seventy nine cents now


per share which, but then I really earn earn back my money lah through like the monthly payouts, ya so if I need the money I can just sell it as and when I like, ya and then can get the money within like three days ya ya and there's the admins fees and all is all counted inside already also


ya you I think you have to have at least like forty thousand dollars in your CPF account in order to invest money actually I did invest lah I invested about I think thirty or forty thousand dollars from my SR uh from my CPF


I think that was also before they raised they they had some issues with the the CPF investment ya


but I don't think you can choose leh I think it when you when you go when you are going to invest right the agent will choose for you eh if ya if I'm not wrong the agent will choose for you because mine I did not choose anything so actually there is like a blue chip fund you don't know what you're investing into but then you just put the money inside


but then this one is not hundred percent earn money currently currently I'm losing money, because of the COVID situation ya but because of the COVID situation right all the stocks have been dropping all the prices have been dropping that's that's why like there's like


I think there's about negative one thousand dollars in my account right now, but to me it's not a lot lah because I invested forty thousand mah I mean like in the long run sure I'll earn that one I cannot like because like now COVID situation !wah! I see negative one thousand dollars or two thousand dollars !wah! I want to sell no I won't do that lah I I don't think that's a wise choice


uh, actually dad dad invested quite a lot and then he managed to pay off like the house with like his investment money so I'm thinking like eh ya


this is actually a good chance hor since I have enough money already


but then is also actually we have like a good agent lah to help us to invest if not !wah! we will lose a lot of money ya


no I no I think the most importantly is you need to know when you need the money if you are going to buy house in the next three years, don't invest the money because you will need to deplete the whole CPF account right to just buy one house


if you do not have that money in the in the CPF right you cannot buy the house plus you have to fork out cash ya thirty thousand dollars leh is a lot of money you know, ya so you actually ya ya ya so if you are going to invest forty thousand dollars you need to have a very long thought about it are you going to when uh how long can you earn back this forty thousand dollars first how many month is it going to take you to earn back forty thousand dollars if it's not going to take you a long time right


okay maybe you can go ahead maybe you if it's going to take you three years and then you are just planning to buy like a house maybe three years later eh you already earn back the fourteen thousand the forty thousand what, so ya I think if I think ya like that then okay lah you can you can just invest it if not don't


you I don't think you will lose all lah after all CPF is, government is government under the government I don't think they will let you lose all your money


I think the safest way for investment is also from CPF lah like you cannot touch the money also mah just you just invest it lor, like euro, but the CPF interest is also quite not quite okay what if you don't if you don't invest lah the CPF the interest rate is also okay is higher than the bank also ya that's what keep people from


like, ya but like I said lah how long are you going to earn back the money that you invest if it's going to take you two years and then you are going to buy a house two years later


if you think that oh actually forty thousand not a lot lah oh maybe can go ahead lah if it's a lot then don't maybe start small lor ten thousand dollars or you have I think they they allow five thousand dollars, ya I think five thousand they also allow so I think should be okay just start small don't go overboard if you think that oh you can actually handle it then okay lah go ahead for me is I feel that


ya you don't so for me I put forty thousand because I feel that eh actually I can afford forty thousand dollars eh why not if you think that you can only afford ten thousand dollars or you have fifteen thousand dollars odd numbers they also can take one


because it's investment mah they cannot stop you from investing how much if you want to invest one hundred thousand ya you if if you are rich go ahead they are not going to stop you


negative experiences


maybe you can share what you work with what what you work as not what you work with uh what do you work as


so how do you deal with this


from my point of view right you should just be yourself


if people think that you are fat why why would why would they say that you are fat, is it because like any hidden like issues with them or not, cause if you your own body is your own body mah you have to treasure yourself


it's not like eh because people say I'm fat hor I must lose weight leh but !hey! you see I'm fat also what but I'm comfortable with my body if I'm too skinny then I will not love myself because so what if I'm skinny !wah! will you I I I won't be like steam ah some people is


fat but then pretty some people is skinny but pretty but what if like you fat already then you pretty then how you suddenly hor become skinny then you become so ugly then like if your boyfriend like, like you like the way it is I feel that is fine don't have to like keep losing weight cause


I feel that it's just like over tiring yourself, cause for me I I don't try because I'm okay with the way I am, but okay lah to keep myself healthy I will try and lose weight but then I'm happy the way I am if today right I am an S size I feel that I will not be happy even though I have a lot of nice clothes to wear


because I will not be the same you see, and if I lose weight, ya lah I also go through a lot of bullying mah at work people also say eh you so fat you so fat and not pretty lah ya not going to help you with this not going to help you with that


but then, why confirm because they got something against you then they they have they cannot tell you directly so they find another way to call it, bully you, just put it past you lor cause if you let if you let all these affect you right I feel that


you will be very tired lah you will keep like, overthinking keep overthinking then you be you'll feel so tired then you cannot do your job properly


that is discrimination at work that the government is trying to stop you know all these ah you can actually report to the MOM eh this one is actually discrimination already leh how can you do this, it's not right you know like just now I saw a report like I think


more than twenty companies are being blacklisted for having discrimination at work, at their work place, I I feel that like ya it's a very good move eh because, like for example if I'm chinese eh this is like my boss is indian confirm he'll be not happy one mah then all of my other colleagues will be will also not be happy with me because I'm the only chinese there


but then because chinese being a chinese , we cannot choose our race also mah so all these discrimination ya you see, like for yourself your body size, you cannot your boss cannot say eh because you are fat


I discriminate against you no I think all these are just your thoughts just don't let this get to you for me, I would I don't let this get to me as long as like oh uh at at least like, if you think you are fat then try and think of ways to make yourself prettier lah losing weight might you might not even become pretty if you lose weight what because you see


maybe your face now is like, very nice already then if you lose weight your your face later become like smaller then you look so tired, so if you have this goal there then just keep it and then if people say you ugly then just makeup lah if not then find ways to make yourself prettier lor


I feel that ya, because if they if they're going to discriminate you ya but if they're going to discriminate you because of how you look right I feel that is not right lor


ya but if people say that you are ugly then you then you ask them back, you very pretty meh, because there is no skill for being pretty there's no skill for your body size mah is also personal preference mah, like if ya


like if your boyfriend like skinny girls then okay lah ask him go find skinny girls lah, try to find him for what, like all these mah like if a person be with you, they're happy, then okay lah then just stay like this lor if eh if like in the workplace people said eh


you too fat already lah must lose weight then you tell them I'm happy, and this is my body mah, this is my body I am happy with it, I'm happy now I don't want like later I lose weight then later I become someone, someone else then I keep like so being so conscious about what I eat what I drink then what that makes me very sad you know


and for me I like to eat so I'll like eat whatever I want I won't lah because


no leh actually I don't, if you are saying like insects yes, but then I think insects is quite common, which I don't think that's a phobia, but being bullied is something that I went through also which I feel that eh so time consuming so tiring so stressful might as well just live the way I am


being bullied is something that I think most of people went through, also not just you and me lah I believe, everyone went through the same thing when they are younger


if you no if you are the bully right, you you will have karma so like I have a friend who used to bully me a lot, so he actually went to jail for about, ten years, ya so actually he missed quite a lot you know like ten years in jail


but, to me I feel maybe that's his karma, I don't know but then, if someone do bad things to you you don't curse them lor, just you just like say uh ya you just like, uh just wait and see lor something will happen one just ignore them bullies


they are there to make you stronger, I used to have this colleague who used to bully me cause he thinks that like I'm the fattest or the ugliest, my ex colleague my ex in my ex company lah so actually ha initially I was thinking eh he everyday tell me I very fat I very ugly then he don't want to help me


then how ah, so on the day of my resignation right okay before I resign right he actually he was actually hospitalised because he, I think that is some there was some issue with his, uh liver or his kidney lah


then actually his slim down quite a lot also he become someone else already, to me ah I was like eh you bully me but I the I I never curse you but then I feel that this is your karma so actually I I never really bring up to my superior about it lah but then they know through someone else


so during my my when I hand over my letter of resignation right I actually told my boss uh now I can actually resign in peace so my boss was saying asking me why I was saying like eh you know actually a lot of people bully me in this company, but then one by one I already see that eh karma has already showed them


back, they already like went through all the karma I feel that uh my time here is already like done lor because eh, people who bully me, now they cannot bully anyone again lah and they wont bully anyone again lah I feel that eh never mind lah


this one is their karma already so just let it be lor, don't just let bullies like step over you don't let it bother you, I'm not saying that ya I'm not uh I'm not saying that eh hundred percent they will receive their karma but then hor eventually something will happen just wait for it no need to curse anyone


I told my boss eh I never curse him hor is, eh this one is his own health problem leh not my problem also I also cannot curse his health mah I not so bad also but then he bully me for so many years eh I was there for four years, four years he bullying for three years leh


no I think he no he bullying me for three and a half years, he was there for I think ten years already, ya he was an old bird ya he was an old bird there lah but then his post was still lower than mine


but he was in another department, and we actually need his I actually need his help, to do my everyday job, but if he's not going to help then there's no choice lor, find someone else to do it


in school I'm the one who bully people also, so maybe this one is my karma


so maybe this one is my karma but then, I feel like just be yourself lah don't have to really go and bother about it, cause if you keep thinking about it then, it will affect you also it will affect you emotionally then physically might affect you because eh you say you are fat eh what about like those anorexic people they're trying to fatten up eh


they are trying to you know they look up to you eh you are so fat you know know when I went china, they actually told me that I'm worth, like uh I think, twenty twenty cows, you know because in china it's so rare to have


like like, uh a wife with a bigger size, they actually told me that eh I'm worth actually twenty cows and you know in twenty twenty cows it actually worth a lot of money you know one cow maybe a few thousand dollars leh you're worth twenty you know, like the dowry itself ah is twenty cows eh


then because like in in their their country I think particularly in Yunnan, the wife the girls there very very skinny, then they don't really like so like, !aiya! in in the end right people will appreciate you


someone will appreciate you one, so just don't have to worry about it, ya everyone is being bullied lah but don't worry about it, if you think too much eh you keep thinking eh I want to slim down to slim down to slim down but you have to ask yourself eh will you be happy


are you, happy eating veggies, every day are you happy eating salad every day I've tried eating salad every day, you know I really used to eat salad when I was uh working in my ex company every day I eat raw salad was I eh am I


am I happy or not eating raw vegetable every day I'm not getting the nutrients I need leh but then this is is this what I'm going to do just because I want to slim down if the answer is no then don't just be yourself lor, I'm happy now


but if you keep thinking right eh, I'm fat, I'm fat I'm fat I want to keep cut down my food intake eh I cannot eat these ah eh I cannot eat that leh


moderate is important for your health, I agree


but not to the extent of, making yourself unhappy, keep thinking about it, or or make it, prevent you from doing something that you like, like eating if you like to eat right and you, think like eh I'm so fat leh cannot eat lah eh I cannot eat I cannot eat that


I cannot eat this I cannot eat that no I don't want to eat this no I don't want to eat that, you won't be happy mah, so ultimately you are this what is your body, you have to be happy about it and who knows maybe


ya but I'm no lah I'm just saying lah like maybe over time because people with anorexia, is not overnight it happens, years months years, you know


it take time to to become like this just don't, don't let yourself go into, like, ya don't exaggerate until, you keep thinking eh I need to slim down cause I keep getting bullied no need lah


like I say lor if people say you not pretty enough then you dress up more, wear makeup lor you cannot wear makeup then, how, just take care of yourself lor, buy nicer clothes, they cannot they cannot say anything mah plus if you just ignore them left ear in right ear out


I think that that's the best way, because that's what I do also, don't have to think about it lah


but in america is different it is different because, people there right drink coke every day, their coke ah the ya but the sugar level, is like if they drink one can of coke is like in singapore you drink five cans of coke the sugar level of one can of coke there is equals to


about five cans of, coke in singapore you know, ya, ya, so you actually this comparison right is similar but then not so similar because in


singapore all the all the all the food the government will go through one round lah to, prevent us from getting diabetic or getting, obese, too obese so you can


ya just be yourself be happy that's what is most, important I feel lah ya, most importantly is to stay healthy


uh maybe I will start first ya so like


the positive experiences, uh, I think I will share my travel experiences, so actually I've been to many countries, uh hongkong, taiwan europe china I think


the best place was greece, so actually during my greece trip right I did, a road trip, with one of my friends, mainly I was just the one driving lah, but then


the experience was, I think, is not an experience you will find anywhere lah, is like , the scenery, it's very pretty everywhere you go, like can stop at the roadside


can take pictures and then you can see like the the air is very clear, it's not like (ugh) so hazy so many smokes uh the roads is not even crowded, okay maybe in the city it's crowded lah, the water was perfect it's clear is clear blue and then all the lakes is oh my god so nice


ya definitely go back again but it's something like you don't get to see like in any other countries like when I visit china all the roads is just very very different, when we stop at the roadside right actually


anywhere you stop ah toilets are very clean, aside from these right there's toilet paper also like the main point is even in on the highway toilets right, there are toilet papers inside, there are full also if you are if you go to like taiwan go to hong kong


go to china, japan , stop at the roadside but then japan was very clean, japan I took the train most of the time


but we have to rush for the train lah because the Shinkansen actually is like they are very very on time they're very very punctual, so if you miss one train right maybe you have to have to wait one or two hours later for the next one, to another city to another prefecture I feel that for japan is quite rush the time is quite rush unless you don't plan to go on so many areas


if you are going to one area only I think, uh like if you are going to maybe three prefectures okay maybe still okay lah not so rush but because when I went right I went to about, uh five prefectures


it's quite rush, and then the train rides uh is like you can sleep all the way ah you won't you won't feel a thing, the bullet trains are very nice I think can visit japan ah if have the chance


the the food there is awesome, most of the places I visited the food are okay, the food are quite nice also


because firstly they overcook their vegetables know the vegetables is green colour, but, , it's overcooked is just yellowish like for broccoli right instead of, green ah it's yellow colour


like chinese we chinese we don't eat green eh we eat green vegetables and then theirs is, yellowish, ya, but then turkey is a very nice country to visit if you have if you have the time


if you have the heart, I feel that turkey is very nice lah but depends on where you go also, for me turkey is okay turkey was okay just the food is not so not so good lor have to be prepared


the turkey I went to right is mostly Ulu area, is quite, like countryside area so I don't really get to visit like the city much but they do close early like for their towns


the town lah, it's not as bustling as the city, but the stuff there are super cheap like I bought one boots is about nineteen dollars if I'm going to buy in singapore for the exact same thing ah it might cost me seventy dollars


ya , ya but surprisingly lah me is europe their cost of living is not as high as I thought, even singapore their cost of our cost of living is


much higher than theirs, ya for nineteen dollars I can get a good shoe but in singapore no I can't nineteen dollars is just, like lousy shoe lah, spoil easily


maybe you can share your experience lah


ya but now is the US mah, but what what are the food that attract you there, but you don't eat you don't eat spicy then what are the foods that attract you


you like K pop meh , oh ya, okay lah it's an experience ya it's an experience


but actually winter is not as good as you think it is eh, like when I was in japan it was snowing it was like one degrees !wah! then if you don't bring like enough clothes right !wah! I think hor you will freeze to death seriously


and then the snow right !wah! on TV you see so nice but actually right it's just like it'll melt in your hand then it'll be wet, your clothes will be wet, so it might not be like as what you thought it will be lah but then cold weather is nice lah when I travel I also prefer cold weather because no need to set so much


then no need to keep washing clothes also


ya but during winter time right you have to repack, your hands ah will they it will crack very badly, your lips ah will bleed it will keep bleeding non stop you know, no matter how much lip balm you put ah it'll keep bleeding and bleeding is very very dry we the humidity is !wah! I I cannot I cannot take it lah but I I like cold weather but then I I cannot take it


and then in cold weather also have to keep buying clothes also, you cannot wear them in singapore you'll outgrow it one surely, ya you surely ya you, ya you you will outgrow it


for sure then and if you are going back korea then you have to buy new clothes, but okay lah if you haven't experienced like winter you can try but then I will recommend lah instead of visiting during winter right can visit during


uh autumn, or spring, autumn is very nice, like I was in japan uh is it was actually during spring when I went japan last year so I get to see like cherry blossoms, it was okay only not as good lah as you see like the in the pictures lah it's just okay only like okay lor is just flower then you get to take photo with the flowers it was crazy expensive it was


one point five times more expensive for everything there during this season, so ya so you, ya ya so usually right the tickets, uh the the travel tickets lah is about six hundred dollars


for round trip, so during like I went in april, so the ticket was about nine hundred and eighty plus, it was almost a thousand dollars, I feel it's not worth it lah, ya it's not worth it to travel during that time


but then it it was an experience lah but I probably will not go back during during cherry blossoms season again


definitely greece again I went during spring ya I went during spring it was very nice the weather was very very cooling, uh, it was about, eight degrees when our house up in the mountain, and about ten degrees when I was back in the city the capital


so actually the actually this the this temperature is like the, the, better temperature lah other than like, the snowing temperature because snow even though my, when I was in japan the snow was, when it was snowing at mount Fuji area it was minus two degrees eh at night


it is snowing it was snowing, like during minus two degrees lah, but then just awhile only lah, but then I feel I feel that the best temperature to visit other countries is like within a ten plus range lah because it's very hard for you to adapt like if if you go to like if if you go to a snowing a snowing country


like minus a few degrees when you come back to singapore you cannot adapt, where it'll be very hard for you to adjust back because right you you already you are already used to the weather there mah, then when you come back singapore !wah! is like thirty degrees thirty one degrees thirty four degrees


it's like ten degrees and, no minus one degrees and thirty one degrees is is a very big difference eh, so the moment when you step out of the aeroplane right


uh ya is about twelve hours so actually when I was there then mummy and daddy sleeping already, so cannot really communicate much also


ya the time difference adapt the adapt the adaptation for the time difference is crazy, the jet lag !wah!, !wah! is something that I never experienced before my first time I almost die sia


ya because you you don't know you don't know mah you like, you are you thought eh is is bedtime already but then when you come back right eh actually you have to go to work leh it's not bedtime, how are you going to adjust that if it's only a few hours okay lah like Bangkok one hour difference okay


but then for for greece twelve hours leh, oh when I was in turkey it was eleven hours, I went for one week


actually depends, uh for one week, if it's enough if you don't expect too much is it was just nice for me, because I did road trip ya


uh to sight see lah and to see the UNESCO site lor, like in greece you have to visit all the UNESCO site, ya so actually there are a lot of UNESCO site in greece that is very nice and then the scenery also, !wah! if you really drive up then I think it's a very good experience lah but is not safe lah to drive alone so you have to drive with someone else


like because is sorry, ya one friend is left hand drive eh in singapore is right hand drive, so you have to adapt to the left hand drive, if, ya if you don't adapt to the left hand drive hor oh it's very different lah


in singapore you turn right but then there right you have to turn left, then when you turn left right you have to go to the correct lane, cause it's left side not right side, ya the driver side is different also


will go back again lah it's very fun there I like it there especially the food, the food is very nice greece ten K


I spend two K only eh including all the rentals, it it was like a budget trip lah it was quite last minute also it but it was a budget trip lah, so it was quite cheap two thousand dollars all in including all the expenses


but something different when you visit other countries like greece ah is all of the hotels are actually family business, so ah they might not have other residents there, like they might not have people


sorry, it's not like hotel is like a family run hotel so, for breakfast right uh it's not really like buffet style is like they really home cooked for you everything but it's a hotel


like they have two beds lah it's just like a normal hotel, not those very Atas hotel like you see in singapore but then it is still, like, clean you can stay there, they have all the facilities, but breakfast they home cooked for you so even the greek yogurt the !wah! they made it themselves also


it's one of the best greek, ya ya ya it's one of the best greek yogurts I ever had, I'm going to go back to the same hotel, ya and they are very much, ya and they are very welcoming, because it's family run


ya all the hotels I I went to mostly are family run except those that are in the capital which is athens in athens I stayed in Airbnb, so it wasn't so bad so I cause I have to wash the clothes


you have to wash it lor you have to find hotels no ah in hotel I never wash my clothes only when I go back to athens I wash my clothes, but then because of the humidity right, it's not good because because of the humidity ah the clothes


takes a long time to dry, the dryer doesn't work, like the it really doesn't work when I was in japan the dryer also don't work even if you pay ten dollars also won't work one, so actually depends lah but


I heard it was an experience lah, my first time also doing a road trip I'll do it again lah, I'll do it again, for turkey I I I would, have, preferred road trip, but, I didn't manage to because turkey it wasn't that safe


for greece it wasn't that safe I guess, but then I still manage lah, ya my Airbnb was at a back alley so actually one of the, when I was there one of the greeks told me, like, while I was just walking down the street like two girls mah then one of the greeks was telling us like eh greece is actually very safe one


don't have to worry too much is very safe here, so I was like oh okay cause it's a very dark alley and it was like almost night time already, it was seven plus, but then it's total darkness


ya cause you are scared mah, typical singaporeans we are scared, because we don't know like, what will happen in other countries, but the what the the weather was the best lah


you can try


but very dangerous, no as in USA is not as, as uh as #fa da# as you thought it is eh you cannot see like eh everyone using US dollar eh so US must be like singapore


like, you know it's not you know it's actually very rundown there it's very like Kampung Kampung very Ulu style unless you you spend a bit out more money lah go to new york go to all the big cities maybe yes


no california is also quite rundown one, ya it it ya if you are if you are going to be in the in the in the city area ya it is but then you're not going to stay in the city area cause it's too expensive


so in U_S right #hen luan de# really very messy


financial related topic, okay so maybe I'll just share on like some financial uh products


uh that I actually know so uh I mean I do know about, uh emergency savings okay like savings plans you know investment so uh I mean one of the emergency saving fund actually protects you


like your family you know your assets and even your mental well uh being in the events like there's unforeseen circumstances that actually happen like, example uh your loss of job so uh basically without


this saving fund we could end up being like end up scrambling to find short term money I feel that which is very difficult because you have, to go to look for money with like somebody you might not know so or even making


a uh rash decisions know like, like, selling your own stocks at a bad price or taking out a personal loan, at a higher interest rate so which is very risky lah so I of course believe that I mean you will need to have emergency saving funds know as required and usually this uh emergency saving funds can actually cover


six to nine months of like my uh personal expenses so which is actually a good thing if you actually pre plan ahead, ya so, that that's what I feel lah ariel what do you think


so how long


how long do you think is enough , okay uh do


correct


because of COVID that they lost their jobs


correct I mean this is actually by personal choice whether you would like to know pick up on that but ultimately emergency saving funds is very important to everybody's life I believe ah, , ya so I mean apart from the the uh the investment products eh sorry the financial products that that's being mentioned earlier like emergency saving fund we also have another alternative


that could be real estate, investment trust plans , ya so I mean of course this must be actually planned ahead I mean since we're young right now I mean not at the moment we should have this uh investment, plans because we still don't have enough money to buy a a property so uh but of course this is actually very common right now in singapore that they really love investing in all this uh properties right but it's not


I mean I mean some people find it very difficult to do this uh this uh property kind of investment but some people they find it easy lah so, I mean of course like it


uh any specific reason, correct correct


and I mean property could be like condo could be like, some other I mean bigger investment ah right, but I mean in a so short run right I mean for real estate they actually generate like passive income for us


ya so I mean given a choice I would actually want to invest lah, ya certainly correct


true true okay, ya okay so , apart from that I guess will be another common uh product, financial product will be


uh health and life insurance product which I think everybody have it, ya so, uh I mean like example like accident plans, uh medical, illness plans


ya which actually give us assurance lah, so maybe for example would be like critical illness policy that will actually ensure us to uh receive like a payout


I mean let's say touch wood anything were to happen to us you know like any diagnosed with any common illnesses kidney kidney failure stuff like that do you personally have any any thoughts on this


do you have any thoughts yes ya any thoughts on like health and life insurance plans do you own one and do you feel that is necessary


for this financial product ,


, uh but ultimately uh I mean I mean if I would be able to advise people they should buy as young as they are


ya because I do have friends who are like twenty nine and they don't have this or even their parents #nian dai# I mean they don't have it so I mean of course I mean seeing all this real life situations, uh I think uh ya it's very important lah even savings I mean saving plan is also part of one of the


insurance that I mention so uh which is quite important lah so with all this policy is actually worth spending even though is like oh sixty dollars or hundred dollars I'm not sure lah then , it actually help us to foresee and


plan for the future,


correct,


correct, , I see I mean for myself I think it is, I am I think I mean of course I do not have any financial burden as of now but I mean I cannot foresee a future whether I need the money or not but I think is a good start for me because I do know personally that I will be spending


quite, a number and I don't take uh keep uh keep track so I mean with this ,


, okay but stocks they do have some risks I believe


okay


, okay maybe I should go and explore this part ya


!wow!, , okay


okay , ah okay okay, (hmm) !wow! that's amazing (hmm)


I see I see okay interesting to know I will take note and I can I can find out more , ya okay then uh I mean what I have on hand will be maybe uh maybe we can talk about investing CPF since that we are talking about stocks and everything like that


right so I mean one of the questions is having the thoughts on CPF investment scheme ya personally do you, you have any investment on that, yes oh K K because I have not actually started that because I would definitely want to know more which what from my understanding there's of course there's a minimum requirement for that so like maybe ya


yes yes yes , okay


okay okay, because honestly uh I mean this have been a topic for most of the singaporeans like written my I mean so basically right I mean they have been complaining or what but of course with this new uh CPF investment scheme I I mean hopefully this can actually help us more


okay and but of course for now they do have some requirements to like you need to at at least eighteen years old you know no bankruptcy you know at at least OA at least they must have a twenty twenty K, and a forty K for special account I mean from what I know


so ya lah so , including I mean they using this, always savings to actually invest I think it will be good lah give me like some investment products options to choose from like maybe includes


I cannot choose at all


oh okay because I do know got risk ya


!wow! really,


but actually, but what makes you want to start with this and where did you actually heard of had help from with this


, okay cause


ya I see, okay because I read also heard from my manager that uh I mean she I mean she recommended to me lah to actually do a investment via CPF


before and then she say what four percent but I mean for now we cannot guarantee anymore because of the COVID situation lah but I mean of course will keep in view on this like maybe when I get older I might consider that, I mean doing this investment when I have enough, amount


in the CPF then I'll try, okay


for cash yes that's, correct and it's not easy


true


ya, correct correct all investment actually comes with risk lah so we might lose all, all the portion that we invested,


okay, get it to roll by itself


correct, I mean for personally I'm not a risk taker so definitely have to keep in view on this everything keep of of whatever we have actually spoken today ya


okay five thousand sounds better


oh so which means which means that we can actually take out a specific amount do you don't have to use all right, ah okay


as long as money right, will be good correct, correct


that's right (ppb) okay it's very informative


negative experiences okay, maybe I'll just start because I do have something that I would like to share , so will be do you have phobias how do you overcome them


okay , okay this is actually something that is very, close to my heart okay so uh basically will be bullies and this actually being brought over uh to my, to my work environment so uh I mean when I was younger in primary school I was actually heavily bullied lah because I was too fat okay so uh basically this


this I mean this always make me very scared when I talk to people so I do have phobias for guys, ya so uh basically , like when I talk to guys I will tend to be more reserve


I wouldn't be very straightforward I will wait for the opposite the person to actually talk to me initiate conversation before I I start to talk so I I always have in mind that uh when I talk to him up him he will actually dislike me and also say that I'm fat


stuff like that so this has always been one of my, uh, heavily phobia and even at, when I first started working right I would still have phobia on that so even after uh working for two two years already I still have this


uh phobia but of course I will need to actually overcome it because currently I'm working and uh my work I have to actually talk to many many people so


I mean I mean I do recruitment so I mean every day I have to talk, to a lot of people I need to talk to you know uh uh, people who are looking for jobs you know uh corporate position but I mean because I'm doing in a preschool industry so it doesn't really have much of a in uh male teachers as as of now but I do deal with like corporate uh positions that I need to go forward or even like working with my colleagues with at different departments


so uh, well how to overcome I mean uh of course, tell myself I mean this is actually a mindset lah I believe you must have like the mindset tell yourself that you can do this or I I mean I actually work very hard to try to lose weight but I mean ultimately is still


not very effective so uh I have thought of a lot of ways to, lose weight but ultimately is your mindset you have to have a mind good mindset tell yourself that you can do this then you can actually move forward to to that lah so


ariel do you have any other recommendations that you can give to me so that I can further improve myself and, overcome it because I I I cannot say fully I'm hundred percent overcome it already but maybe towards fifty sixty percent


but of course


, okay


I mean of course ya


but ultimately I feel that I mean I have made progression I progress over the years because ultimately, the pain the the the


memories are still, inside so uh I mean of course I know the working world it's still, a bit uncertain you'll never know what kind of people that you actually meet but some people really uh I mean let's say if they were to compare between you and your another colleague and this colleague is like so much skinnier so much I mean I mean definitely there they I mean


okay well of course ya,


true


true true that , , true that but I think is a progress lah process


true that lah of course is very subjective kind of thing lah I feel I mean not just in the workplace but maybe like your friends or ultimately is really really what


I personally feel lah and I have to change my mindset that's the most important and the the mains, the, most important step lah I guess, , , true


but personally, but but do you, but do you have, okay but do you have any I mean phobia, like on anything, personally


you don't fear of anything you're not scared of anything, okay


especially, probably unless you are the bully lah then it would be another story or maybe bullies are being bullied as well


!wow! okay


oh which means that you have this kind of experience discrimination before lah


ya ya at the workplace correct


true but ultimately


!wow! is he a senior, I mean he came in before or after you, oh no wonder seniority


, ah I see


seems like we have similar experiences , maybe for yours is in workplace but for myself will be in in school lah mainly is in school like so far not much in the workplace, you are the big bully


okay


, !wow! ,


, okay


true , no no


but I I mean for for fact I know I do not have a phobia for food that's what I can say I do not have a phobia for food I I love to eat so that's


I mean I'm not to the certain extent that I feel feel that I'm very very fat or like I'm always having this in my head but I mean I'll try to you know moderate lah is very important


but ultimately I can tell you that I'm not I'm not like uh, it's when time to time to eat right I will not say that oh I cannot eat I'm very fat I'm very fat so I'm not to the certain extent until the so extreme know once if I feel like I want to eat right I will eat one


ya , correct it's true uh like years


exaggerate too much ,


correct , I mean uh if you know that I mean uh, I mean weight issues I mean the whole world is also talking about it as well right I mean especially in america ya they did talk about like body self love and everything right if you see articles commercials


correct, but not to worry lah I mean I still love my bubble tea as usual so and also stay healthy


okay so which topic should we go maybe, ah okay sure


if given the chance will you go back again


how about japan


!wow!


is it crunchy is it cooked no


but how about the shops like do they close early as like australia, and the sunset, oh, okay


true true, ya, different cost of living as well lah, I would say


okay, , okay so what's the best part


, for myself I mean maybe because I don't really travel much know there are some of the countries that you went I didn't actually, main goal for lah because I'm not really a travel person but let's say if you want me to select a country to go to then definitely it will be korea because there's a lot of


good food and I watch I mean previously I watch a lot of korean dramas K pop which is, what I dream to be especially when I was in secondary school lah so of course I would like to understand their culture but I mean I'm not sure for now is it I mean let's say if the COVID subside


I mean maybe example like one year down the road or two years down the road will I still, be , comfortable with travelling there because uh I think previously korea has the highest number of COVID cases


at that point of time ya so, one of my favorite food will be Jajangmyeon I always eat the singapore version like in singapore is not the authentic one so I want to understand experience the korea side and if possible I might run into one of the K pop artist you'll never know right


previously I do like it but of course now I'm not that into but let's say if you you you found someone on the streets ya you will oh, oh my god, ya it's experience ya and I didn't experience cold weather before like #dong tien# I mean uh winter so I could try someday


, but of course like in in a lifetime you should need at at least need to experience once for the winter time lah I believe lah maybe all the four seasons you should experience because ultimately in singapore we cannot experience


three of them uh I mean four of them sorry , dry ,


, , I see ,


for sure if you go to korea , yes correct (hmm), I see


spring autumn , (mmhmm)


, ah, ,


, oh is it it I mean there's such


oh, !wah! okay,


I see, okay but how about, like other countries uh spring season or like autumn season, which country would you choose to go there


!wow!, but it's not snowing right, it's not snowing right, oh, okay


which you tried lah,


plus there's the time difference from greece and singapore right, , I see , true that and once you are back in singapore you have to adapt to two things one would be the time difference one will be the temperature


ya true


but how long did you go I mean how many days you went to greece, oh one week is it enough for you do you think so


but for yourself, mainly is to sightseeing and


you went with your friends you went with your friends, , !huh! true , adapt !wah! so much adaptation


!wow!, but definitely is a hell of experience right ya


, but I mean in total like how much did you spend on the whole trip including like the plane because I heard that it's might it might be very expensive right ten K ya got ten K, ya


ah oh !wow!, , how about the the hotel is it


clean is it small the facilities and everything


oh oh, so they don't have hotel they don't have hotel


!wah! makes you feel like home , do you make friends with them


which means that in the hotel they help you to wash your clothes, oh


no dryer at all lah,


!huh! !wow! !wah!, okay then did you all rush off, upon hearing that,


correct, you never know what will happen right, ya (hmm), maybe someday


when I'm, more keen in travelling but of course I would want, to go to korea first lah then maybe some other countries that are have a have some time difference from singapore I'm actually looking at uh USA


I mean maybe because I watch a lot of YouTubers like in, obviously it will be very dangerous I mean it's not your home country is not singapore that's why you you will feel more or less you will feel


really meh I actually saw like YouTubers in california they brag about all these then looks facilities are still okay


(mm) (mm), [oh] ya that's true (ppo), (mm) (mm) (mm)


, financial related topics, okay, err mervyn I heard that last time you you invested in cryptocurrency right how was it


okay, okay


okay have you been looking to have you been looking looking into others, have you been looking to others ya


increase the base amount, okay but how how does it work actually


(mmhmm), okay okay


okay but they are they are they are they are they are actually they are actually quite stable lah, at least stable, okay


okay you using you using uh an app is it are you using an app, okay okay so the the the features its uh the the feasibility is okay and the user the the app friendliness is easy right is it


okay okay, okay okay, okay


but why don't why don't you just invest in like CPF or things like that it'll be more stable and they give us more stable income


you just put in your money and they give you, uh fixed percentage, you know but, okay, because if if because if it was me I will just put in I'll I'll put in my money into probably something like CPF


where they can, they can give you a fixed as fixed savings percentage and then second of all, they can help you reduce your income tax, okay when because I am working adult so I think for me I will want to reduce by income tax so one of the ways is to do to put my money to CPF


so investing in my CPF uh putting money in my CPF then investing them will because if I buy if I use my CPF money to purchase uh, investment plan from I can use my CPF money purchase as investment plan from AIA or see or Prudential or any of the event uh insurance company I can use them and then


you know they can give me a bet a better rate is the market is good so currently now the market is not good of course so I will not put my money inside there, but usually if the market is going well putting your money into CPF one thing is that you can reduce the income tax


your your your yearly income tax then next is that you can you know if you don't if you do not like the CPF percentage that is giving the I think they are giving about two point five percent, two point five percent per annum so if you do not like the percentage that giving you can even throw into investment plan in


Prudential probably they will give you what's that they will give you err investment they give about four percent depending on different kind of stocks that you buy different type of funds that you buy remember that the other time we were talking about funds


we are talking about funds yup ah, like trust funds by managers some of the trust fund are not too bad eh, yup if you think about it cryptocurrency are pretty, like the other time you are saying something like it's giving you


you you up by ten percent ten percent right, yeah you up by ten percent but now it it it's not very it's a bit unstable right


yup, yup, okay, okay, okay


okay, oh !wow!, thirty percent that means you are getting back I remember you !wah! that means you are getting you so you say you put five hundred aside now you are getting back about thousand


!wah! that's not too bad eh actually that's really quite a good investment, it it do you do you do you change do do you change


do you like err change to , another fund or like for example imagine if I if I were to put my money into , err into err trust fund, err for example as I put my money into Prudential investment plan say every month I put in about hundred dollars


or maybe I pay one shot premium ten thousand dollars this I can switch the trust I can switch funds it's, at free of cost free of charge did you do that


okay


okay, but you you I mean it is really quite interesting like to see that you are putting in money like err five like five like if you put in five hundred and then you can take two percent back, because that is something that in the market now is not getting the kind of rate


yeah that's actually quite good yeah, okay, okay okay okay


okay okay, okay, okay, yeah and I think I think err one thing is probably when you when you invest in cryptocurrency in this kind of period actually not surprisingly that


they put they were you you you earn quite a bit from it cause, cryptocurrency first of all is a block chain system actually , err helps to transfer money you have you have actually how to transfer money online safely so in a sense actually a lot of things going through online now


so I think what you it's actually pretty good it's a pretty good investment, yeah and its actually a good choice, yeah yeah yup but do you do you do you think you will you will you will continue to do this in the like in future


like, okay okay


okay okay okay, okay because currently I I've, I don't really look at cryptocurrency much but because I didn't have a lot of knowledge about it, but more of the you know investment plans getting people to do the job for you


yeah I I'll prefer that way err like for example if I put my money into Prudential then someone or for example like trust fund, trust manager they will help me to invest my money and then if anything happens they would tell me oh err now there's the, the market is going down err you should you should switch the money to somewhere else switch the funds to somewhere else you know things like that they will help me to look after it like and for example like like


cryptocurrency you have to look after it look out look after yourself and some more now they they I won't say the era is over but, it compare to five years ago if you invest in cryptocurrency the jump is not there anymore like last time you buy a Bitcoin it probably cost one dollar now a Bitcoin it costs over ten ten over thousand dollars so the jump is not there anymore yeah


so I would say I don't have much faith on cryptocurrency, yup more like if I were to invest in CPF or you know or even real estates real estates are pretty stable right but


I think real estates are like , they need they need quite of funds yeah which I don't think in our at our age we are able to do it right


yeah I think , I think it's err, what about saving bonds, you know actually recently yeah, yeah like I think bonds are a bit difficult I think the the rates of bonds are good like they give about three three three percent to


three percent to four percent yeah three to four percent there but what the thing is you have to pay one shot premium and then usually, they will ask for quite a huge amount of like thirty thousand


yeah yeah yeah yeah that's one thing also that's one thing also yup yup yup yeah, yeah yeah I I think yup


yeah yeah yeah, I think it's it's really it's really it's that competition is there because the the rates they are giving are so good and it's quite stable like err is like investing in blue chip something like that, but it's even better than blue chip yup yup blue chip stock so like investing in


err like a, like a saving bond actually the previous one the last one was I think come up by Temasek Holdings ah, it was priced at thirty, yeah it was price at thirty thousand right yeah thirty thousand for about three to four percent and I think they only open to


ten thirty thousand slots, so thirty thousand people only thirty thousands thirty thousand, I think it's by ballot, I think it's by ballot I I don't I don't know what do you think


yeah, okay


yeah, but but do you think is a is a good option but do you think its a good option, yeah but okay imagine imagine that you can put in thirty thousand into your cryptocurrency now


but what it's what it's offering you is actually a very uncertain, uncertain , future you see it's a it's a uncertain future but, probably you put in if let's say you put in five hundred now and then you getting back twenty thousand two hundred percent so you imagine you put in thirty thousand now into cryptocurrency you probably get back two two hundred percent also


will will you were you still choose, yeah will you still choose choose a singapore saving bonds or will you choose the cryptocurrency


yeah but but, yeah


yeah yeah yeah, yeah, so you you mean you will you if you have money now if you let's say I give you I give you thirty thousand now you you will just you will just invest your money into the cryptocurrency where where I can say that


stable


but why why don't you put why don't you take up say if you if you say if say you you think about it if you have fifty thousand, okay if you have fifty thousand three percent out of fifty thousand we will say we say we give it probably


we could probably give it err three percent fifty thousand one percent is five hundred right three percent is one thousand five hundred one thousand five okay, if you put in one thousand dollar if you take out one thousand dollar from it from it and then you put into you port under cryptocurrency and just happened you know you don't know you do not know what's the what's the what is the


the err the market right the market like so say that if the next day you get you lose you lose you lose fifty percent out of it first, and then after that you gain back you gain back another three hundred percent you see it if if you mention you put it you you you put in fifty thousand for for three years you only get back one thousand five hundred


but in two days time or one weeks time you port the money there or maybe say the next day you lose one thousand dollars and after that you get you you take out another one thousand dollars it's like gambling you see it's like gambling you


, oh yeah yeah yeah mean I mean okay yeah yeah that's true okay but imagine you you wait for one year just to get back the money just to get the the one thousand five hundred money


but you put in you put it you take out one thousand dollars okay say you lose one thousand dollars and then you take out you take out another one thousand dollars so you have fifty times you have fifty times to play the money, you have fifty time to play the money you see and then it you just need one time they say every time you buy a lottery ticket right you can buy a hundred times but you just need one time to win back all the money


yup, right


okay, negative experiences, mervyn , what what are the negative experiences before


like your your your flight, yeah or something


but I mean, what when when will it prime


but they are they are just threatening what so is is you know you know it's not going to happen, but


it, but he but he he purposely fail it or what


but I think like this kind of thing you cannot you cannot you cannot just because probably someone can be can be like, can be , not capable to just


do something then they how they ask him to pay a sum of money just like that


oh oh, so I guess I guess that's one thing yeah that's one thing that's one thing that he he deserve lah I would say


what really so bad, !wah!


but then and then I mean like


!wah!


I guess, guess during that period during that period you were you were stressed out also so I guess it's a good experience lah, I guess these are these are things that are happen in in that group lah like


err three like four days or last last week or actually, I was I was err I I mean I was preparing to go home around like six, so I was troubleshooting something and something went wrong so you know you can't leave things hanging hanging just like that right so I had to


I had to fix it so after I fixed it err no I didn't get a chance to fix it so I stayed there until like eight eight nine PM you know, so there are these these are things that really like really constantly pressuring because like you mentioned things that really happened under your hand


because you were there to help them but it it it but actually but at the at the end of it you actually did something wrong and you don't know what you did wrong but something went wrong, and that's the worst part something went wrong I don't know what what what what went wrong so you were there just fixing things and


you don't know what is going on and you just you are just frustrated want to go home and rest but you can't go because, you know you are you you need to you need to you need to get this done before you can go if not you people will hold you hold you you know hold you


hold you by the like they have something against you or they have something to hold you with yeah you have to leverage lah and then, yeah these are things that happened at work so I guess the working life is not that fantastic actually yeah


I guess like also sometimes you know when you go overseas to work err yeah like what you say you expect yourself to be home by you know, like six PM but, actually you going overseas to work ir's not that of a great experience so


you get you need to yeah you need to work long hours apart from the long hours you also need to, need to make sure that because you you you go overseas people the company my company is paying me money to go overseas


so often obviously I have to have the results so to have the results I have to you know, generate the like to work even long hours just to cover you know make sure that nothing goes wrong, yeah things like that so


I guess we are things are this things like that err things that I has face at work yeah, so imagine working overseas is not that of a great thing also


yeah, it's very frustrating lah when you you come when you can't handle things and then people still blame you for it, yeah


and then some more some more these during this COVID period like people are all are, uh worried about losing their jobs and everything


so of course I I I'm, I will I'll be worried but I don't think I'll lose my job that's one thing for sure that's one thing for sure I I don't think of the job but just that you know having a constant fear like it's not, because of losing the job is actually because of not being able to handle the work properly and


getting criticised for it lah I guess that's the working world ah you are stress because you have been criticised because not it's not because of the job you know right and the job is so simple but, you if you are being criticised for not getting things done


yeah you, you are like actually putting yourself down and putting other people's down some more, I guess in the working world what what people are look actually looking for is are you able to deliver things yeah but for my case some things are just not meant


yeah so, err things like that like this, very difficult to be


yeah


(mmhmm), yeah yeah I think I think everybody have their own fair share lah for this definitely


and yeah , err I think , and in the COVID period a lot of people are just worried about losing their jobs and everything


and then also one thing that


(mmhmm)


yeah a bit at least at least what what what you what you mentioned is correct yeah is the uncertainty and everything


(mmhmm), (mmhmm), correct correct


(mmhmm), (mmhmm)


yeah I think so, yeah


, yup I I think I think so too


now I I guess I guess have the same thoughts as you, , I I just curious ah what what's the what what what what's your one experience that actually you you hurt someone's feelings but you know you you try to you try to get back


and how all do you how do you try to you know to to to go back to that that moment like to recover that situation


, because like


yeah I I guess I guess yeah is is all in the mind ah sometimes you know you when you when you hurt someone then you just think like like you shouldn't have done that but you know out of anger you just did it


or out of like you know frustration can you control your feelings when you are frustrated yup, so like like for example my workplace you know when I'm am at work I try not to be angry at anyone but sometimes like when people interfere with your work too much and they they seems like they are micro managing you


and making sure that you know you have doing things that they want no need to be like and and they are not very you know it's not very helpful lah in a sense


yeah I think so


, my chair, positive experiences, remember the last time that I told you about the that india trip ya I didn't I didn't tell you what's ya I didn't tell you uh what is the what's the the most awesome good deed that I've done right


yeah I I was at this cremation site did I tell you before I was it at this cremation site, and then , yeah the the one by the river the one by the river and then they it it


if you okay it feels like it's a positive experience and also at the same time it's a bad experience as well, yeah if it okay if okay listen to me okay listen to me okay the other time I was at the the the river and then uh it was all the cremation side lah so actually it's called the Ganga river


and then, , the all the the the the religious people they will go down and go there and burn their, of the body of the dead, yup and then they have cremate the body of the dead lah and then


to cremate the body right okay in singapore you when you want to cremate a body you also have to pay some money okay same that same thing that okay but I think over there you have to pay about fifty thousand rupees fifty thousand rupees if you convert it divided by sixty is about thousand dollars ah, I'm not too sure about a singaporean but then yeah so okay when I was there I actually


I was curious about what's what's the what's the cremating site like so basically it's actually a fire a fire pit okay they say the fire was actually , was actually what is this err has been there for about fifty million years yeah and then


and then , err all the people will just go there and just burn the body of the dead okay it was very very dusty have you you've been to Mandai Mandai before right yeah imagine Mandai there Mandai there but


ten thousand times worst you go in your eyes with blinded by the the the smoke and everything but it's so bad you know okay but that's not the worst that was not that was not the best part about it okay, uh when I was there they had tour guides inside also they had tour guides to bring you around so the thing that the one of the clause say it okay two clause you cannot take pictures of that place because it's a secret area so understandable okay the next thing is was that


you have to make a small donation okay so when I was there I walked in I followed the guy so I say okay small donation I say don't need to be don't need to be a lot so I think okay fine uh just give him whatever I probably just give him some spare cash use cash lah


and then I went in and you know, I didn't even stay for for more than five minutes because the the smoke it was blinding ah, and and then the guy was


the guy was the guy I I told the guy I I want to leave already and then the guy took the guy took me it's actually a very small place and I don't know what he wants to tell me okay but okay never mind I, went in there and then he told me you have to make a small donation err down I I wanted to give him like probably like one buck in sing singapore dollar which about sixty rupees and he was like no


err how can you do that err you you have to help the you have to help out all these people then I was thinking like oh !wow! err why do I have help all this people to pay, yeah so then he he's keep pressing then I was thinking my mind okay fine whatever let's just do it as a as a as a form of good deed ah so


I guess I guess after that everything went so smoothly you know everything went pretty smoothly so I know I I I I got a good experience over there and then it was a pretty lead experience after after that after that


I was try and find things but I couldn't find so after I gave the money !wah! I got all the things that I wanted yeah so I guess that's my experience, yeah what about yours


uh what things that I get like experiences like things like you know , like for example if I see at that river I can feel right I feel because as told there is a river right it was very long river long straight for river so after the after getting after paying for the money I sit at the river and then I feel like it's very peaceful yeah I found I found peace yup


yup yeah what about yours


okay like go in your own thoughts ah go into your own thoughts


ya ya, ya ya, ya, I think is very calm and very peaceful right, yeah, I think it's somewhat some more you like grass !wah! you'll be you will be damn leads sia if go go to the beach look at all the bars


yeah


!wah! that that's, yeah, yeah and I think I think its its quite peaceful yeah, actually


you drove around some more right you drove around some more right, your your car was you you car was passed down by someone else who who who who got cheated right, was it yeah


oh !wah!, but even even so it's it's still pretty cheap right compared to singapore, no how much was it ah


per month you talking about per month right eight per month it's okay if you walk about we we work it out actually and it's just pretty pretty cheap eh, if you compare to singapore price yeah, like err


, oh shit, but so much better right the condition


yeah then why why didn't you you go out and look look for those those cars you were there for about err I think for close to five months right, yeah


I guess I guess it make it makes it makes your is it makes your places the the place that you are going more easy more accessible some more the the the


your training ground is actually far from the place right


you mean singapore, err in singapore probably is uh, per town, say I drive safely yeah say I drive safely, probably around


okay if I drive normally probably is , twenty minutes thirty minutes


correct okay


oh, yeah but also the the the speed limit and everything


actually the speed limit over there is they say about one one if you if you go by if go more than one kilometre they will straight away they will fine you right one kilometre per hour


yeah like is in singapore at least I think there will just close one eye even if you if you go faster than one kilo fast one me one kilometre faster per hour there probably is not is is like so much stricter


I I'm not too I'm not so sure about it leh I'm not so sure about it leh yeah as I I quite like sceptical yeah, yup uh when I was when I was in a I when I was in india when was in korea I also drove, yeah they had speed cameras every where you know !wah! yeah yeah and they had speed they has speed cameras every where and it's like pretty difficult to


to you know, , err is is pretty difficult to look at like to to speed ah I would say and some more it's in a foreign country


yeah I think I speed a few times ah but uh I I was pretty lucky ah that I didn't, pretty lucky yeah yeah if imagine if I get fined over I I have I have I have no idea how speak korean one


oh shit how was it, okay


and then you were fined, (uh huh), okay, okay


(uh huh) ,


didn't you eh didn't you guys use like google map or something, ah not updated ah , I guess I guess is one of the is one of the is one of the few experiences lah I'm I'm I'm pretty sure if


if you if err if we go overseas to do all the all the like you know trekking and pick at it definitely will get lost


correct correct, I guess , you know I I was just curious right did are are you are you proud to have like like like like the ability to like like you know


you you are able to fly a plane yeah things like that, I guess is one of the one of the good takeaway right, like like pilot the plane


at but I yeah I I you can you uh but if you were to take a private you don't need to go for that course


okay, , yeah, yeah


oh


!wah! that's I I was I was driving pass the the the the the airport the other day then I saw the you know the I saw the, what's this call ah I saw the plane I saw the fighter jet flying past ah


you know it's quite it's quite elite ah you quite elite, really wish I can I have the chance to go and fly a plane pilot a plane, yeah remember clive I think he's I think he's flying for this


yeah err for NDP yeah, yeah clive Yeo clive Yeo


first flight express, you know clive yeah he went to yeah he went to fly for I think he he's what performing in a NDP parade this year, yeah I think so eh pretty good eh !wah! yeah


I mean you get to fly and then you you you get you get how much was the risk ah risk pay the other thing you remember that thing


, financial related topic


yeah, actually it's doing quite well at right now err cause I I started with Bitcoins and err ethereum, then now it's getting better lah after


I bought during the time when the market was quite bad because of the first wave of the virus then, now once it started picking up again it got better, err, now apart from Bitcoin ethereum


and CROs I uh also, sorry yeah I got, I have it but, they are not my, base you know like I only use them to like


increase the, base amount that I put in , I also got some in plan, yeah [loh] like to keep keep it growing lah as I keep it in my wallet yeah


basically okay cryptocurrencies are essentially like err, it's a stocks, they the more the money you put in right helps too, like run the


company that uses utilises it, like these tokens right these Bitcoins ethereum token CRO tokens bank tokens they are all like, the, they are all the


platforms you can consider them platforms that the, company uses, I mean it you really depend like do you want it


cryptocurrency that is, err, I would say tie to the, real life stock market ah will be Bitcoin lah because it has its, yeah I'm using err MCO


, it's fine lah the user interface is okay like it it's easy for beginners to use it to start off with something yeah


cause I also actually I've been monitoring it on the, app for very long already I think like for almost two years already I only actually started to use it as a investment


platform maybe six months ago, ah yeah lah but as in


it really is just an option lah, err this one I'm using


yeah that time ah


no eh now I think quite stable cause now they going, the companies that are using these platforms right the tokens to run their company they are all overseas based one, so


like it depends on their side of the world lah the market of their side of the world like for now, their side of the world is somewhat stable, so, actually that time was what two months ago I up by ten percent


now I up by like, two hundred percent already, yeah


(mmhmm), yeah lah but we must be able to see and monitor and like at least know what you are putting your money in lah, change to what


you can somewhat say that like err cryptocurrency is very flexible in a sense that's a own that's a good thing about it so like


you at any point of time you feel like, that that stock lah in some sense ah is not doing well you can instantly just, sell it and buy use whatever you have to buy another one, so you basically jump [loh] you can jump wherever you want there's not minimum lah in some sense


err


yeah yeah lah as in, for me wise, I try not to put all my eggs in one basket that's why like cryptocurrency is not the only, place I put in my money I also got savings plan I also using my CPF to invest here a bit there but my my that one is managed up by my financial consultant


like err that's under AIA also,


, there's really no governance ah, so yeah, stuck


you can say it's like the new way forward in some sense, my future maybe lah but I will try my best not to


pump in anymore money I'll try to make do with what I have [loh], like at most I will take out my base right then I will start off with my profits like that I don't lose out anything in the end what cause, it's like the whatever I earn that I, go and use back to


grow my wealth,


(mmhmm)


yeah


eh guess what I honestly I had had don't know much about real estate ah , you know you let me know [loh] you like you share with me lah ya cause I I very lost about all the, real estate investment trust the exchange traded funds all these I I never really go look into it lah that's why like I don't have venture into this kind of


like, investment options in something because I haven't had the proper research to go and like like read up on this kind of things, okay lah I mean there's financial advisers here and there but then in the end


they also use all the jargons then like I also will get lost and like , oh singapore saving bonds ah


three to four right


nah it's very, its very limited right because there's only so much bonds that they can like sell to the market, like the the population


that's why if you don't get there in time then, you also cannot get what also, I mean good is good lah the returns are good lah but then, I'm not, I won't this call myself the fact that is not good but


I know a lot of people also trying to fight for it lah so it's going to be a bit hard I guess in some sense, yeah that's why


blue chip stocks


yeah its quite recent only right two years, yeah you see


but how how do they choose who gets the, the slots, by ballot I, I honestly don't know but my my only assumption is they go by I don't know who's going invest more then the one investing a lot one they just take like that


I don't know lah that's my that's my assumption lah I I don't know how it runs I only know that it, it's like parking, parking your cash like you spare cash and letting it grow by yourself essentially, but okay lah


it is lah it really is but, you can't take it out that's the thing, (mmhmm)


no but you can't okay you cannot put it, make


you really cannot put it like this because, you have to think of it in a way cryptocurrency you have to think of it as, ya trading on that platform they are not parking it there but you are see not you not seeing whether it's like unstable or stable whatever you are


you put in your money there right but you are aware of what's happening monitoring the market whether it's selling is buying cheap selling high this kind of thing, that's why if you say thirty thousand dollars right you put singapore savings bond where you put for two whole years or four of ten years lah


versus you put cryptocurrency right but you know the market is going to go up you know it's on a constant rise you put for one day right you can rest for, five ten percent, at that point you earn three thousand just by sitting there doing nothing you know


and then you withdraw the next day right you still get the three thousand dollars, and is flexible because it's there, you can take it out whenever you need to as compared to savings bond where you really lock it in ten full years you cannot touch your money


that's the difference, that's why I think a lot people, yeah a lot people, would want to use singapore savings bond to like, you know increase their wealth by that one is if they got spare cash to park there for years


like a lot of people are want quick cash one, that's why they go for this like more unstable options but if they look long enough, it's can lah it's profitable lah it's like trading it's actually yeah trading on forex trading on


the stock market, crypto is like essentially the same thing lah I would say


no, no if, I have enough to, like live right now and all of a sudden I got spare fifty thousand, I'll put inside singapore savings bond cause that one is, confirm stable that one is no doubt stable


that is provided, one point five thousand, one point five lah one one point five lah, yeah


okay


no what need you you cannot say one point five thousand in just that in ten years lah is three percent per annum eh you think about it, three percent per annum you compound interest everything up ah is more than one point five you know


ah yeah lah, (uh huh), that's true


yeah lah but it's really about how is your, what you say ah it's the risk lah it's the risk you are willing to take ultimately it comes up to the risk yeah when you take if you are not willing to risk it all right then


honestly somethings are just you know like crypto I'm willing to risk my base, like some people are willing to risk their stocks [loh], is how much we are really to play with it


, negative experiences


err much as it was a good experience you saw ah it was so bad like the, the amount of stress ah they load on you ah !wah! it's intense ah, like I have seen people actually breakdown


in their pre-flight brief it's like, one flight is maybe one hour and ten minutes, one briefing, the pre-briefing and the post briefing inside maybe another half an hour so total your whole day right


they probably, load you up with all the stress and pressure they can one within that two hours ah and it breaks people down so much, I have got friends who has broken down like, just before their flight and after their flight and it's not nice sight to see ah people actually crying


the squadron like !wah!, they just load you up on all the stress they keep, okay lah I think the worst thing about it is they keep putting


the, they keep threatening you not say threaten lah but, they always remind you that the this thing called liquidated damages it's like if you were to leave


the force right because you just don't want to fly for them anymore, they will make you pay back every single cent that they have spent on you, and the fact that I've lasted one year and for to five months


there's going to be at least five hundred, no but it has happened before that's the thing there are people who fall it before, and they paid gravely for their mistake eh some is call some I think got one scholar ah he


took the scholarship to go and study some more and then he came back and then like, they just, messed up big time and then, he had to pay eight hundred to nine hundred thousand dollars eh


that's how bad it was eh, it wasn't purposely fail it was just something that they signed, it's not, what an officer should be [loh] an officer of the core should be lah so like they just never mind they they just remove him lor


no lah but he his was really a great mistake lah he brought a civilian into an airbase so that was bad, yeah but then there are people who are


yeah, there are there are people who purposely fail exams right and ones they are caught, they have to pay like the exams phase is just before the second australia phase the one that I went lah


that cost them at least like four hundred thousand already so like just imagine if I went to australia and something bad were to happen, the moment I stepped down back in singapore yeah I have to pay like seven hundred [loh] dollars already seven hundred thousand, it's that bad


yeah it's that bad because you just imagine the amount of hours, of flying, aircraft maintenance runway usage airspace usage everything all adds up lah, everything is use money one our taxpayers money ah


that's why it's damn expensive these called liquidated damages ah where they, they quantify everything then they add it up as a like total cost, ah then like you


we were loaded on so much stress right in this australia phase, like they !wah!, the constant reminder that if you purposely fail it right, you will have to pay, then people either go out because it puts on so much pressure and stress on them that they just


constantly fall sick until they cannot go on right like their body just shuts down some people back pain some arm pain shoulder injury all all the injury just, come out so like you only leave the force due to medical injuries


or you are just plainly not good enough, unless they say, you are not good enough right they won't let you go, and they constantly put stress on you until you just want to go crazier five days a week eh just image then on your sixth and seventh day right your saturday and sundays where you you'd expect yourself to be chilling lah just like resting relaxing


but you are still running things for the squadron so you are essentially working seven days a week then like, at ungodly hours five o'clock you have to leave already just to go and set up the place and you are you leave work at what seven eight PM


you are also working at four fourteen fifteen hours a day, that's on top of, your flights your studying for your flight simulator training study for simulator training then a lot of other ground operations you run !wah! I tell you


really tired, it was a good four months but also the worst four months, yeah


yeah [loh]


yeah, yeah


there are leverage lah yeah lah


then okay lah


really


(mmhmm)


yeah I know, it's not a it's not a nice feeling to be in honestly


mean I guess to each their own lah everybody has their own different experiences


some thing's I cannot, fully understand or comprehend cause I will I' m not in your shoes also neither you are in mind lah so can't expect you to understand fully, we were at err, bad experiences ah your working


experience thus far and my experience in australia thus far so, the comparison lah in our , kinds of bad experiences in the working world, okay lah everybody will have their own fair share so


I think uh actually, I believe there's more than just that, I mean that is just the foreseeable future but, like right now it brings a lot of uncertainty of what can happen within the next like within the next ten years like it's more than just


oh I lose my job now what am I going to it's more like, how am I going to survive for the next ten years if I don't have a job, that's why people are trying to diversify their income, like actually some people got two to three different jobs some people


spend time trading forex or crypto or some people it's, I don't know you just see lah really there's a lot of, a lot people seem to be doing well right but, like from my own, opinion lah from what is yeah it's just a lot of people are


just very worried and very they got, anxiety over it lah that's why they are pushing themselves so hard right now, that's why is what I feel


like in comparison lah you say like for me right now I'm not looking I'm looking for the job, then like ultimately I will still want to go back to the aviation industry because that's where my basic foundation of studies right and education so like


the foreseeable future is I won't have a job aviation related maybe will have lah the maintenance side of the house but, if talking about the business side of the house that might take maybe more than four five years before it starts to pick up again and that's something that is


like very uncertain right now it's due, honestly ruined it kind of ruined my what I plan to do lah in the future that's why in between like still I'm still trying to figure out like what I should do


I rather now like I told you lah whether to go study part-time work part-time or just study full time quickly finish up then, get out and like, work and type things out wait for everything to settle down where you can start going for


err SQ selections only no no lah it's a lot of, there's lots of uncertainty now that's why a lot of people, like I don't know lah even for myself right, anxiety lah really !wah!


it's not easy lah, I mean it's good you have a job now lah it may be tiring but, it's not yeah I would say ah essential worker to your company also ah


but for people like me, where my future is very uncertain, it really keeps you on your toes all at all times, on what you know I will be doing


don't know man, life is unpredictable, that yeah, that actually frustrates me because I I'm a person of I'm a very procedure person I I like to plan and follow the plan one


but then when stuff like this happens then just very, you don't know what to do anymore lah, like you need to refocus all your energy and efforts into like planning something new again, I don't know I don't know about you lah that's that just me ah what about you


that is a tough one, I normally try not to, hurt any body's feelings yeah I'll I'll put my own feelings, at the end I will I will hurt my own feelings like at the expense of theirs lah I I'll I'll rather do it to myself than to them you know


like I I don't know lah, it's just me since I was young, family issues and all where like you've seen people get hurt in ways that we are too young we won't comprehend but you know it hurts them real bad


they just, don't want anyone else to, go through that pain again, so that's why I always put myself at the actually forefront ah


I always put my at the losing end of these kind of things, I rather get hurt than see others get hurt in some sense, your question honestly I don't know how to reply sia cause


I'm always the one getting hurt, (ppc), okay lah I mean if that's okay, you can put it in another way lah like how am I


helping myself out of, a mess that, I've created myself of unscripted for me, I guess it really is just, it's about the, how you respond to it


whatever happens happens but is ultimately my own decision whether I want to, continue being hurt by what's happened or I just, recover and move on, it's all in the mind lah its


nah I believe they are also , do you people only micro manage only when they like, really need to they don't trust [loh] they really like there's a, barrier down there between you and them everything happens for a reason one mah so


it's not easy [lah] being micro managed also cause they also, need to ensure you are doing your job but, they want to they might want to give you the freedom also [eh]


, positive experiences


oh yeah dude yeah


was it the river one by the river or, okay,


, (mmhmm)


(mmhmm), yeah


oh !wow!, oh shit


(mmhmm), , my gosh


(uh huh), (uh huh)


ah, they want earn your money lah


like what, like like what leh what what what what what things did you like get after the donation sort of


(uh huh),


!wah! for me ah actually okay lah travel experiences I feel, all in all yup they've always been pretty I've went to australia three times one for my grad trip lah then twice for work


and I think australia is one of the, better places that I've been that I actually like, because down there the life is really very slow very relaxed, like you see people get off of that flight site and when they got off work they really get off work they


drop everything right anything else they have to do it's, tomorrow's work already, they go home to their families, some just leave on like, on a farm like in their own barn, then I can see that wild animals jumping into ah


oh wild kangaroos wild wallabies and just, jumping into their, yeah [loh] property ah then just see them like throwing food feeding them, life very simple lah really damn simple, yeah okay lah I mean that's the


suburban area and then there's the urban town area, think both also quite nice like you just, if you have the opportunity right I'm sure you have some been many more places than I have also you just walk around like I like to just walk


like walk around aimlessly do nothing then like you can just take in everything see the sights only, nice eh


!wah! yeah [loh], oh they have it australia I tell you their beach was the best, literally is damn lead one it's like, in the daytime right lead until like afternoon, evening right it's like


the beach bars ah !wah!, you just have, one or two beers like then you can see the sun down there like just, over the whole damn nice ah then once you reach sunset ah you see everybody will just stop everything just look at it, and you look once set already then like the music start playing then everything change already then become like nightclub area


!wah! is damn sick lah really is damn sick, then australia also got, yeah, different place got different good thing ah, like err I went Perth


Perth is more like this, then I went to #gold coast# #gold coast# is more like, oh yeah


in Perth, no lah no lah is err we rented it from a one guy in our company who had like some, help think like his daughter was working in the car rental company or something but he was over over pricing the cars lah so he can earn ah


yeah so like it you, no dude no it's not lah, or can actually compared to singapore, like one err SUV is nine hundred


eh seven hundred sorry then one sedan or hatchback is five hundred, per month yeah per month, is it


then okay lah but, its very rundown then got a there's a lot of issues also because, like he reuses the same old cars right for the people in our company, so like after a while like


you just find it very like, quite disgusting ah cause like everywhere it's like torn or broken or smells and then like you still you still have to spend money just make it look and smell nice !wah! it's, it's a ripoff lah really like I'm pretty sure there are better places our there that rent for the same price right but


it's like at least better quality lah ah that's right, four months close to five four months ah, ah no lah cause it's a shared


commodity so we, you have to own self go and find then the maintenance and insurance and everything but for, this guy in our company it's we just pay him one time then he settle everything lor, yeah that's why like it's more of convenience sake for us lah


that's why we just go we meet up even though like, it was quite a ripoff still, I mean we had, the fifteen people and three cars, all okay lah and the more people we have


the more we have to share the, cost lor now not so much already lah


oh yeah, !whoa! I tell you I even though it's further right, the journey is the same as in the time difference is the same, like you you just imagine ah from, town right go to your house how long will it take by driving


yeah, twenty thirty minutes, like you drive normally normally speed limit everything not


okay from town to your place I would say it's maybe like, twenty max, around there, for


my where my company was right to go to, Perth city centre itself right, it will take us forty-five minutes, and we are travelling like forty to fifty KM eh, if you divide accordingly right


for thirty plus KM in half an hour, in Perth lah compared to here where it's like, twenty KM in half an hour, the difference is a lot plus I'm travelling down down there like when you are on highway you can travel up to one twenty-one thirty and it feels like


it's still, sixty KM here , like it doesn't feel that fast when you are like driving there, like everybody is !wah! everybody is so much , so much more of a better driver over there lah


so back to here now of, , they all quite relative eh they are they are more or less the same one really


yeah you get caught is not funny you get caught it's like straight away two hundred three hundred dollars, yeah


the, yeah I'm pretty sure there is a buffer lah like maybe a five KM buffer but then down there there is no buffer, then let let's , then let's not try lah


, thought you went with your mum right you went with your mum right,


yeah that's true, , oh I got fined before in australia


no okay thing the thing the thing the australia roads right is in they usually have a lot traffic lights right but in estates they have a lot of roundabouts then they have like some, have a very weird lane right there's right smack in the middle where, they have a traffic light for that lane only one


then like if it shines green right you can like make a very sharp turn into a specific lane only, then like the first time me and my friends went to australia then it was it was a grad trip lah then like we rented a car seven seater so then were driving around there


like it was in the dead hours of the night lah like maybe three four AM after like, having supper then like we came across this, road then like, we didn't know what to do so like we thought we knew what we were doing lah turns out we didn't lah we did a sharp right in there we ended up like the train track


then from the train tracks we like lost then we reversed out then we like make one big round again then we reached back the same junction right then we turn again then at the end we went into the other train track , then we damn lost down there for good like don't know how long lah I think ten fifteen minutes ah in the end when we came back to singapore


yeah we go find when we came back to singapore right there was a letter that was sent to his house like from the com the car company itself cause they recorded down our address and everything, it was a letter that's were sent to his house then apparently like we got caught for like


inorderly driving or something ah like that and then we all had to pay like in total lah I think we paid like what two hundred dollars or three hundred dollars ah , the seven people we just share lah it was all it was damn funny dude like fifteen minutes of seven people right just lost in the car don't know where to turn !wah! it was scariest


we did but still lost , like damn funny, damn funny lah I tell you !wah!, ah okay I really enjoyed


yes no lah waiting lah now