uh cheaper one lah not so expensive one like the bank one you know now, of course now the bank they they really drop a lot but it's still quite expensive, like for example uh like DBS UOB they are still quite quite expensive lah so


CFD, err no but I


but during this circuit breaker right actually I'm, bought the ETF using the monthly uh payout from DBS because it's cheap lah you because it's monthly mah, but because uh now the the market the the price is low and then I collect I use the uh dollar-cost averaging method [loh]


to every month I contribute a bit to to buy the share, that one is for the ETF, not yet leh because my monthly contribution is very very low I took very very low


the minimum just one hundred dollars so uh I think need to wait for quite some time maybe I think one year because it's only monthly contribution one hundred mah it's just that now the is a good time lah because now the price is low so I also


don't have much uh budget for this one lah uh the stock, the stock is look good but I think from march until now right not really rebounds much ah I think ya still like you know bearish ah


it's still bearish, , and also the the uh US uh economy and also the situation is still not very good so I think it will take quite some time for the market to rebound to recover


so you got listen to any uh coach investment uh coach or teacher for the strategy or anything or you do your own analysis


oh so you you do, you do long term short term or medium term


mid-term ah same lah, take profit lah but, now, now is very difficult to take profit what


now is like not really recover much lah, oh usually health care ya ya ya ya


oh you managed to bought in eighty-cent ah, oh okay lah I want oh, thinking want to, take profit, I know I know I know I bought some


oh okay okay okay actually I uh,


oh so that one you you you took profit already ah, oh okay okay I I not yet because uh I bought at, one dollar plus so I not yet make profit , I, I not yet make profit I still in


ya ya ya, ya because even I average down right I still at quite high because that, that time he did shoot up to about two dollar and then I also took some so ya so actually for her for me right that that counter I not yet make profit


ya, oh AEM I will will ya I know I know, ya I I bought but I I don't want to hold I I saw I saw already I don't want to hold I wait too long already I I I I never make


profit I I don't want to wait anymore ya, I don't know, I I never it's not in my portfolio this one it's for it's for what industry Frencken I don't I think I I I see I saw before but uh it's not in my portfolio


oh, oh okay okay, ya I think moving forward ah uh quite quite need to be careful [loh]


so actually during the circuit breaker right uh I mean I quite free you know lah I very free , , so I actually do some, uh do some uh uh research lah hear from the YouTube and the Facebook a lot of a lot of teacher they also uh uh provide uh courses online webinar


for for those uh people who are interested in stock market just listen [loh] I not really invest a lot lah you know I also, not don't have so much budget, ya and now uh the the COVID-nineteen right I think many will keep some cash oh


cash is king now ya, no I never I never buy any unit trust, because unit trust is only available in a bank mah


ya ETF ETF can buy just uh just online you just you just enroll only mah just buy


but, the the unit trust is different unit trust is uh you need to go through the bank and then you need to pass the CKA and then they can sell you the unit trust


ya very troublesome so I I prefers uh stock market also, I mean I can make my I can any I can in out myself lah I no need to ya go through so many, channel and then you know they got charges uh stock market is much more straightforward ah


, twenty five dollar plus the GST plus minus !wah! so this circuit breaker you you stay at home


monitor stock every day , okay good, yup can


so you will continue to invest or you you, because now you go back to work already mah


oh oh Jardine ya


oh okay okay, and and the dividend also quite good


I I'm more worried about the trade war because now I think the situation is not very good look like it's not very good, I don't know will the market continue to, ya I don't I don't know whether will crash


monitor first yes, so other than that do you like uh other, other uh instruments


like maybe err endowment plan


ya actually now put in the bank is very low leh, , not even one percent


and then cannot travel also cannot travel also you cannot spend the money go go shopping go travel, ya so just, ah, grocery shopping now can only do grocery shopping then


so your your broker will always call you


you use which uh company, Kim Eng ah Maybank ah ah Kim Eng lah oh okay


ah UOB Kay Hian, okay I use uh DBS, uh I don't have I do it myself, ya just the remisier help me to do uh they will do the


transaction for me oh so they don't really call me, only got problem then call me , uh, like short you one time I short the market I accidentally uh short the market ya I sell more I sell more than


uh what I buy already ah AEM oh, ya I accidentally short the market I never noticed so I short the market so they ask me to, uh, and they they are unable to sell back to the market so I need they're going to


penalty me charge me then, because of first offence then they want me to do some uh writing or what lah, then settled already then they're not going to charge me first offend


one thousand eh, the SGS going to charge me one one thousand dollar, so ah don't play play ,


no is a is is a error because I, I sell uh, I sell but it's never fulfil so it's partial fulfil and then I never notice the partial fulfil and then I sell again, so is over short


ya, so just one incident happened lah then my broker call me, actually now after DBS uh after you know Vickers ah they they, cannot say merge ah


they they move to UOB Kay Hian so actually my last time my broker they they are now going to Kay Hian already, so now DBS right ya ya ya so now the kay uh DBS right they just like staff like that lor they just do the transaction for you


so like, don't have individual don't have individual allocated uh broker for you like uh a group of people they're doing the, transaction like that so I think it's so also better, because I not a regular investor mah


no lah I just do it on the system ah don't need to call what I just do it myself ya, ya lah, really


oh you mean you call them to do the transaction for you is more expensive, !wow!, so you don't do it yourself ah you never online and do it transaction yourself is it


oh okay okay oh, so so you never really do it yourself lah you are use you uh go through the broker


, oh okay okay not convenient, I understand I understand because lunchtime ah they also lunchtime what


ya so you you can , you can uh purchase !huh!


oh okay you got you got bought unit trust, now no more,


, ya that's why very risky unit trusts very risky, the underlying fund ah you don't know how they perform if you choose wrongly right uh it's very dangerous and then some more if you switch fund right, they're going to charge you fund switching fee that's why if you want to invest in unit trust right then need to monitor closely


ya so, ya just like the what ah SIA ah SIA also in a, ya [loh] you got you got hold any


you cut loss ah, ya because if not have to wait very long time you know, tourist industry


ya keep the cash lor and wait for the uh market to recover


ya, in endowment plan retirement plan ah, so what what uh retirement plan you are looking for lump sum or single premium or


lump sum you mean your, your return in lump sum or your return in fixed uh monthly income annuity which one you looking for, monthly ah fixed income lah


ya lah, at least more stable no need to worry no need to monitor every day, ya, ya two three two five percent more more safe more safe


more suitable for retirement, depends you your your CPF money uh


you need to wait until sixty-five then you can take out eh, ya if you if you fulfill the minimum sum ah because I'm oh you fulfill okay


uh CPF they give you two-point-five percent, annum, then you have to compare lor


ya, but cash is cash mah your do you do a investment in the cash is different mah, right you no need to wait for so long you know if you do one lump sum, minimum five years can already


okay so we press the stop button


negative experiences


okay can we start now, okay, okay so uh let me share with you my very negative experience which is my pregnancy experience, I told you before or not ah during my uh pregnancy for the first trial semester I got very bad uh morning sickness very very bad


so uh, and not only I have very bad morning sickness that time I just uh I just switch, career, so uh


my boss actually, sack me, sack me during my first, my second month of job, because never confirm mah three-month confirmation mah I never get confirmed and then use uh because of the morning sickness I keep taking MC and then he not very happy and then he let me go


so, uh, that time I just, move to new house I got a lot of loan uh month instalment to pay and then I no work and then I not very comfortable with my morning sickness so I think


is really really bad physically and mentally mentally very stress I want to jump from the window already really or I going to do some funny funny thing already cannot take it anymore


everyday everyday from morning to night right keep vomiting many many time I cannot eat I everytime after my my meal I will vomit, then I lose weight about four KG


but they say they say they say the more you vomit right the healthy the boy baby I don't know it's true or, I also don't know okay lah normal lah as I cannot say very healthy but normal lah I don't know why why like that some people got vomit some people no vomit


I vomit until I cannot walk I cannot I cannot go out I cannot eat ya, because the acid you know because when you vomit too much right the acid the smell you know you cannot you don't have the taste


ya everything changed so I think, that's why until now I don't know whether I want to have a second one or no I scared leh I really phobia I phobia of pregnant


so when I my my boy keep saying I want a baby I want a Meimei or Didi, ya because no nobody play with him


ya so so boring everyday watch TV no one play with him I cannot play with him all the time mah, right, ya lah so actually it's quite sad that


maybe he will just grow up by himself alone, , ya, but this one I I I I cannot do anything leh I really have phobia about pregnancy


I scared ah, really cannot work really during pregnancy you know pregnancy you need to use a lot of money that time I very scared you know why because financial is a problem I just move house I my house just coming and then I got a lot of thing to pay and then I got no work


then I need to use a lot of money I see doctor every month take medicine take supplement, you know !wah! really really stress ya


and alone and I'm alone, ya lah my ya lah I myself alone at home mah that time so now at least maybe I pregnant right then I got a son he can look after himself I don't know so how about you what is your bad experience


(mmhmm),


so it's unpaid or paid


oh so they just minus the leave lah, ya,


so everyone need to take leave, then if the person don't have leave how


so I think this period of time right actually also quite sad leh like normally ah we cannot go work because of, you are unhealthy you sick or what right now we are healthy but we cannot go work, and no income a lot of people forced to


go unpaid leave cannot work got no income, for,


you know everytime we go we go to visit right everytime we go visit right, got one time I go to this uh, rental flat rental flat to look to look for the person for the survey right then this uncle


uh is, uh I think quite old quite old about sixty sixty plus and then he opened the door uh, slightly open the door, just wear an underwear


just wear a underwear but no choice ah we need to we need to, work mah and then uh he he okay to, do the survey lah then, I also okay lah then we continue lah he like he got a little


a bit #pai seh# because he he just, uh, you know wear wear underwear and then we just do the survey outside the door is, is quite luckily no we don't have any neighbor walk pass


right if not, !huh!, no leh he he okay leh he like that he also okay so I also anyway it's a very fast one mah, you know those five minute five minute survey so we just uh faster finish the survey and then I just go off lor


and then ya it's it's, but he is not mentally problem ah he got he is not mentally problem it's just that maybe is very hot you know in the rental flat maybe is very small very hot so I think he every day like that


so every time we go do survey right we'll especially in the rental flat right it's very very careful sometime you don't know whether the, uh the people inside right especially those door-knocked project no listing one right is very very dangerous you need to knock knock every every door


and then quite scary got smell lah you know they just urine urine uh at the uh staircase, ah then got some food leftover and then sometime the smell from the house inside inside it just


and then some house some door you dare not go and knock because its look, uh, no ya those owe money pay money you know that kind of, a lot of paint outside


ya ya ya, so got money sign got money sign, CCTV only, outside I don't know whether is the owner install one or or the town council or the police install one but


we when we go there there the the camera is just for them to see us , you know my house my house my downstairs right the indian indian family I think got one time


uh also got this kind of problem the Ahlong problem the loanshark problem and then loanshark problem and then, for many, many for a few years hor the the house right only the gate is closed the door is always open


one the door is always open one, so anyone come and paint ah then they can see I don't know is purposely, uh like that or what but the door is always open only the gate is closed


ya, so if the people they want to come and uh uh paint or what right they they cannot do mah ya they cannot just, uh spill the paint inside the house mah normally they will just paint at the door mah so with the door closed eh with the door opened they cannot they cannot uh paint at the door ya


and people could see you you will run away mah, very strange right


no never I dare not, then how about how about how about you how you feel working in ML with


ya, very tough right especially the the the all the staff ah all the good staff left


left all the temporary staff, ha how many of them how many of you now two ah you #hui wen# and your boss


, oh okay okay okay, , !wah! every time I go and take the check hor with the what emily ah, eh ya


if if you don't like the job then you just quit lah why you want to give people this kind of this kind of face right , like we owe your money now is you owe me money leh not I owe you money you know


ya then he always say uh she always say uh put your IC here, ya we wait very long is not a problem we go and settle our thing right then we come out right then you just she just put the no she just put that check there


auto ya you need to automatic go and do you know sign everything and then put back and then even you say thank you to her ah and then he she also she also never reply one eh very rude leh I think he


she is one of the staff ah I I met ah very rude one


and last time last time she's doing the recept leh now why become finance ah, then now recept, oh cheap labor because your company pay him very low right so he always like


not happy not happy like that, because I don't think your side is very busy mah for the finance only prepare the check only prepare check only what


so initial at the start she is like that only ah she's like that already ah from the start of work her pattern is already like that like that, ha ya ya ya


getting worse getting worse oh so now, uh she consider promote ah, oh promoted then get


ya !wah! at, ya that's why we very that's why ah uh we a few of, uh our colleague right


, ya, you should feedback to your boss


and then since she's so not happy working there why don't want to leave


ah


oh okay, the vivian also one kind eh , , , you don't you think so


oh the signature one you remember the signature the signature ya she said ya then I have to go back and ask the person to sign


and then the way the way she say ah I I a little I also, ya okay first time then you you say nicely lah you no need to say like you know


ya because we don't know the real procedure and then you should tell us uh nicely oh why you need to do this why you need to do this and not like brush us off ya


you just tell us oh what is a reason behind we need to do this you know then okay okay then we can understand ah you no need to make a hoo-ha here and there and then tell tell us off like that it's very rude I think it's very rude


so the the the stephanie, the stephanie,


the the the phone,


never mind lah she will go and complain she will go and complain to your boss,


(mm) okay


positive experiences


, your your you you order or your daughter order, oh


free one lah and just send lah they order your portion meh they got order your portion ah !wah!,


christmas ah, !huh! mother's day eat turkey


, , oh !wah!, not not cheap leh ya, ,


want to bribe you eh want to want to bribe you , so is what nineteen years old is, NS ah NS boy ah still in the school oh okay okay


!aiya! then you have to speak loudly let him know ya, , oh okay this one is what the second daughter ah


is it the second daughter one, okay okay ya, ya is it they just started or what


, good impression good impression oh so you know this boy lah, oh quite quite thoughtful ah, eh now youngster ha they will do this small small thing ah like those old people ah like us ah eh where got where got surprise no more surprise ah just cook cook eat cook eat cook eat


or Dabao Dabao Dabao no more surprise , okay so so your mother day your your husband never give you any present


my son so young no lah we also because uh is circuit breaker mah so we also never go and we also never go out and celebrate, lor so just normal lor ya just normal of course every time


ya, ya but then now also very difficult for us to go to the restaurant like like three of us, okay if you have five and above right is very if you have six right then you have to split ya you have to split table so very troublesome so now okay so during this circuit breaker right is


!wah! I cook the most eh in my life first time, almost almost every day I need to cook, one meal lah at least one meal then maybe one of the meal will Dabao, or just grab oh because I also don't know what to cook ah


but okay ah my boys still can eat lah , ya it's still edible,


, ya


then ya ya, got dessert !wah! ya got dessert got tidbit I I tell you before before circuit breaker right I my house like don't have so much uh tidbits ah chocolate ah ice cream ah but during this circuit breaker right


tidbits ah every ya every day ah we will have tea break like even biscuit even like ice cream cracker chocolate chocolate so now continue you know now now after circuit breaker my son still continue ice cream chocolate


I think is a, ya lah but is is still ah ya now it's like a habit already every after lunch ya must have one dessert


but we'll try to stop after that lah ya have to cut down after that, yogurt but yogurt I don't know I I don't really like yogurt, ice cream I okay I like sweet thing I don't like sour sour thing my life is sour enough I don't like sour thing I just want sweet sweet thing


, chicken wing oh I chicken wing no not fried no uh no is baked chicken wing


marinate and then put inside the oven and then my son will finish the chicken wing I baked ya yes and then my friend give me one air-fryer, you know the the one I post in the Facebook that one ya the air-fryer my friend one


he he uh is a newly newly uh never open one not buy for me because he got three, eh he got two he got two, one Phillips uh one, this Mayer and then he say use the air fryer hor the texture is not good enough so he go and buy the small uh the fried


fried thing one ah you know put oil one smaller one but need to use the oil one air fryer no need mah, but the texture is different the texture is different like you you cook ya it's very dry and then the you cook nugget and you cook fries right the texture is different must must use uh the oil is better then he give me this one ah


I put a little ah put little bit uh, but that day I cook the Prata right, I never put oil one you know just like that


Prata Prata Prata because I want to test whether is will crispy or not but it's okay turn out actually quite crispy ya and I never use any oil if not previously I will just use the pan to fry lor


ya so I think the milk is ya is more healthy lah this in this way so sometimes I will just uh, you know wrap just use the Prata and then put some like ah ya bacon uh tuna


or sometime I will put like I will put uh slice of chicken just wrap it lor and then eat, some salad ya put some salad and then just eat oh simple one lah


I prefer to use air fryer, ya because during the circuit breaker before during the circuit breaker I don't have the air fryer my friend only uh uh brought to me I think after open circuit breaker so during the circuit breaker I use the normal type of


cooking style fried fried fried and then fried until my husband very angry, ya because he's the one who clean the kitchen everytime he uh scolding eh can he because he want to ya cook stop cooking and then he want to he want to bought me he want to buy me


the air fryer and then I say you hold on first my friend want to give me one after circuit breaker then I ask him to hold on because NTUC got offer you know the Philips one only two hundred plus only, two hundred plus eh one seven nine one seven nine ah


ya so is is very uh, no it's very cheap one seven nine is cheap Philips one eh Philips eh, Mayer one very cheap Mayer one I think less than


ya I think I forgot to tap leh and then is, I don't know ten minute


ya you how how many minute


ya it just uh easy to clean only, so I saw I saw in the facebook right people use the air fryer to cook cake ah to make cake ya to bake cake to do cupcake I don't know


I never try I want to try but then is like big project leh doing cake bake cake , ya can do uh


okay, so I think uh one of the one of the good thing during the circuit breaker right is the government give us a lot of money


not really a lot lah at least some money , especially for us ah you know lah hor we do freelance, and then we can claim the the the money the temporary I get and then I also one time only then after that I managed to uh what ah


uh apply the self-employed the scheme, the nine thousand one but he never pay full he never pay me nine thousand because uh my household income they actually uh pro rate me


about, pro-rated me so I never get the full lah but at least something lah ya I know a few a few uh, colleague they they get the full sum


eh I I no need lah just they just submit, their payslip and all that lor


at least got some because eh three months never work leh three month cannot work eh no uh you know lah freelancer no income lah, ya once you stop working you got no money come in so at least government is really taking care of this group of people ya I think many of the this time round they really uh take care of quite


uh many group of people, whether you are working no working low-income middle-income part-time full time,


before the election yes true before the election must do something ya so that day uh my friend, uh asked me to go and help uh for the what temperature screening at the polling station


but I I never manage they never select me lah, I think they prefer those people who are no need to vote one those uh student so they can station there for whole day because they don't need to vote mah we need to vote pay pay one hour ten-dollar I think


but you need to stand there for whole day to take temperature ah, , so I think now a lot of part-time a lot of a lot of our colleague also go and do some part-time because cannot work mah during the two months you know ya


they go and do like you know the distant ambassador screening officer packing uh


I think short period of time lor, renewable I think, because just during the circuit breaker a lot of people buy grocery you know and they need to control the crowd at the market


ya now everyone can be ambassador leh


just stand there lor just stand there lor, if they see you like, never follow the social distancing then they would advise you oh


I don't know eh I I very seldom take MRT never go mah , , never go out ya, uh


talking cannot talking inside the transport mah


so now you uh, so now you Dabao from your office or, you go out and eat, during lunch I think your side a lot of place


eh how come you all still working at office ah I thought you all should work from home


okay so can we move on to the next question, can ah so, would so what we need to do now, we click submit is it we click submit


choose another question


uh okay talk about the bonus ah, bonus so what so next year what the ML will give us ah, what do you think that will give us ah last year we got what, uh abalone we got abalone


ya eh can I ask you ah how uh what is uh this time I got uh two abalone right, (uh huh) , and what is stephanie get


same ah but more lah is it it it she got more more more abalone, number one, okay, okay lah at least we get something uh at least we get something lah because


no revenue, but it I okay lah I think there are still got new project coming in


oh okay, so look forward for a new project lor is it from at Zoom or, oh strictly Zoom ah, okay okay okay got referral


no referral then have to wait, , so when are you going to uh travel


are you going to travel, oh okay but you got any plan


this year october, oh, ya, actually every every two year I will go with friends uh go thailand with friends go shopping go massage go eat,


need to wait for at least one year to year


okay uh one two three, , financial related topic


okay can


I actually bought some uh I actually bought some, uh, blue chip ya the bank stock ya, uh


uh, uh I actually ya I actually bought during the circuit breaker time because it's ya because it's bearish the market so I thought can pick it up at a good price


ya, you can


ya but actually, ya you actually can use the, CFD you know the, the CFD products you can actually buy it's only ten percent


so far you make any profit from this EPS,


oh, oh


okay


because the Dow Jones keep dropping like two hundred point three hundred, points, you are uh, ya


to recover, ya


no I actually will ask my broker which one to long


sometimes is like got profit I was thinking to just take the profit,


ya you know about it also it's from eighty it's from eighty cents you know then now right what no I manage to bought at ninety cents but that that's why that's why, that's why I I told you actually I wanted oh you know about this UG care also ah so so after after about


after about two hundred dollar just take the profit lor on on the table ya actually wanted to hold wanted to hold to one dollar but look at the Dow Jones is always going down so, a little bit worried so just take and maybe can consider to buy later on


on, ya ya took profit already, oh oh but but but


but now it went up to one seventy already what, , , then it went went down already,


okay there's another one is uh AEM AEM it's a technology, stock ya you also know about it ah so resourceful ah


I didn't dare to touch eh, , okay, there's another one uh just two days ago uh sorry just last week lah Frencken


you know Frencken ah oh okay it's not in your watch list lah err technology stocks


okay it's also from eighty cent now shot up to one one dollar plus already I also take my profit very fast because very scared the Dow Jones kept going down


king okay how about unit trust do you buy any unit trust


it sure is waste of time ya, some of the by financial banker they will actually call you up whether are you interested in any in investment, like unit trusts or what they call it ETF


ya you you need to


ya very troublesome, , ya ya ya


, , but minimum is twenty five dollars ah


ya, , make stay at home and


okay okay thanks


ya maybe maybe ya continue to monitor the market lor see any any blue chip can buy like maybe uh Jardine, Cycle and Carriage ya once Jardine and carriage drop about ten percent actually you can keep it up can just buy and keep for maybe one week it will rebound like forty percent


ya, uh, ya dividend is three-fifty


but still were worried about the US market it will downturn ah fierce ah


uh


uh ya my ya my actually my endowment plan already is going to end this coming


two months so, I was thinking don't know what to do with the money because putting to the FD is very little interest, so don't know where to park the money also ya zero point zero point nine percent for FD so don't know what to do


ya, ya I also don't know what to do with the money now the interest rate so low, how how to leverage ya ya ya ya just do a little


just do a weekend shopping only, ya, ya, online lor online you can you can uh you can do some online shopping like Zalora


, no not always call you unless you got trade lor then they will just whatsapp you what to buy lah, KE broker K Kim Eng ya uh


Kim Eng lor now they all ya another one is uh UOB Kay Hian,


, what problem what problem , oh you go and sell oh dear oh dear what you buy


oh oh dear oh dear pay the back the balance


to oh dear, they supposed to they're supposed to charge you quite a oh dear


, so you must do a you so you must do some recording what you how how many lots you buy, and you should be selling how many lots back


oh oh okay, okay


, that means you you you call them oh broker


, so you you so you just call them and you sell for you lah, oh oh oh okay okay oh okay minimum is twenty-five dollars ah if you call them it will be more right like fifty dollars supposed to pay twenty-five you're paying them ya ya you you call more no for me


last time I last time ya ya correct correct because you gotta, call them mah they'll do it for you they will charge you like fifty dollars or more, ya sometimes lunchtime then when I look at the price very Kanchiong so just ask I just let them earn a little bit lah


, ya, no no for, if let's say I can manage to monitor, myself and then, I see there's a good price then I will just go and buy online lor because now I work I work right I'm working right so ya ya not very convenient


, ya ya because the twelve to one mah so so mine is mine is my lunch is one to two the other way round


I just called just give them a call ya ya just give them a call and then I I say I want to close my position, , no last time I used to bought unit trust but it's horrible from ten dollars it dropped to two dollar is very very drastic you know


ya because there's nobody ya ya, uh ya, ya you have to pay


ya, ya, uh, charge until all the better don't, it's a very bad experience buying a unit trust, it's very very bad experience from ten dollar can drop to two dollar one dollar you know


ya from ten-thirty dropped to three dollar and sixty-three cents, ya ah ya ya I had, ya ya I I already sold already I already cut loss already ya ya very painful cut loss


ya because now all the travel industry also no business what how the ya so dare not to buy anything just just just like you said just keep the cash lor


ya, I think it's not gonna recover, now lah maybe one year later, ya, just maybe have to do some investment in


uh, insurance, ya, whatever plan ah, lump lump sum lump sum ya just put everything in


ya maybe monthly lor monthly only ya ya fixed income


ya ya at least got three three percent right at least three three point five percent right ya it's more safe lah, ya ya more safe ya, should I read some of them will say that put in the CPF the return is better four percent or should I put into the


after fifty five ah or you can take out two portion you know


one portion ya you know right, ya ya ya I fulfilled already ya so the first portion is five K right another portion there's at least like fifty K


ya, uh so I don't know whether should I take it out whether should I take it out ya have to make a comparison lah


(ppl) ya ya ya okay okay good good can look into this


negative experience


oh dear


mentally stressed, oh dear,


dear, oh dear then will affect your baby or not


so your boy turned out very healthy ah


can sleep can sleep properly, ya your hormones changed


even now also ah, ha so cute oh play with him


if have ah maybe they will fight lah they will say fighting with each other


ya,


very tough lah quite tough lah


oh you know during the circuit breaker, time right, my boss ah imposed us to take five days you know five days, leave in in a month you know which I think that's very ridiculous right because the government is paying seventy five percent right so I do not know why she want to impose this so call her own policy that we need to everybody go on leave for five days in a particular month


is paid lah but you know our leave lor they were just minus off on our leave lah ya but, I think it shouldn't be what it should shouldn't be that way what


so we are still struggling working at home you know, ya everyday look at the file scanning file we need do some documentation, we need to check we need to call person and check and things like that there's a lot of things done in the office and then uh seems like she's no no appreciation no appreci~no not appreciative


so ya so everyone also, ya then they will minus lah like #hui wen# ah she don't have leave because she came back from you know she ya unpaid lor ya


that's why we are we are quite mad lah we feel that is like because the government is paying seventy-five percent right to the employer right so they only paying twenty-five percent and then they they want us to go on this five days leave so that goes our five days leh


this go unpaid leave, , ya, this is the this is the disasters disasters and damage we which we'd we never think of it lah so


we should have some contingency plan, like keep ourselves going lor have to move forward,


okay , oh dear,


then he should he should go and, , but he should he should have go and, he should have like tell you give me five minutes I need to go and put on my pants eh


oh god, okay okay oh oh oh, , so embarrassing


but he's he's not embarrassed, you ah you feel very embarrassing


ya I just did ya ya okay okay thank you,


must be very very careful ya the person, ya,


oh oh oh oh oh, !huh! really ah they really got a lot of paint outside ah, that down there got no c down there got no CCTV meh


the government,


so weird ,


why so strange even even like, middle of the night also


, ya


you never go and say hello,


quite stress lah you know before the circuit breaker they actually cut down so many staff, right, ya so now is like everything we had is like a one-man show you know to us


now don't even have any temporary staff what only left ya , vivien three lah technically is only two lah because she don't do anything except the both of us what


as you know right, ya very very bad experience right everybody say very annoying right she give the


ya, like Ahlong like we owe her leh, ya, ya I think is ya we, we need to we need to rectify that that area ah


then you have to wait very long right


very rude lah she not fit to be there never ya never see such a staff before actually the the the


the boss should know lah I do not know why, there's no action taken, hor I think you know ya even, because because nobody takeover


mah, cheap labor cheap labour, cheap labor ya, ya, obviously show people this kind of ya


no lah she's the only one who doing she's only one she's the only one who doing preparing the check for you all what so she got a lot of work lah


in the receptionist during during during when she's a reception ah she's already like that right so now she's like no so now she's like, like Haoxiang like ya


now she like upgrade already mah, now she's the her her accounts accounts ya consider promoted already what, accounts already mah, so now reception she already like that so what more you can expect from her


and moreover now she's so-called promoted, ya, really really got very very bag experience from her showing you this kind of attitude


which is not right lah, she already know but I don't know why there's no action taken as I told you


right now I think she might have can't find a job lah, ya, like this point in time, ya everybody came and so make a remarks ah said why your why the accounts like that treated us very badly we for us we can't be helped also she also treated vivien very badly


ya she will tell vivien off you know that day the regarding about the registered mail for you all for your for your respondent to do the registered mail she need the eight hundred dollar to do a registered mail she say why never give her enough ample of time no notice given


she scolded she yelled lah she yelled at vivien ah, ya so, why


ya she worked there for so long already almost twenty years, oh ya ya ya ya ya ya luckily okay okay I understand ya ya ya understand, ah


ah ah ah


understand understand I remember now I remember that incident right now, maybe she's not in maybe she's not in the mood at that point in time, explain ya she should ah


, she just tell you off ah,


understand


even more rude that one she will she will call that day she just it's just just the day before yesterday she just called #hui wen# she actually called #hui wen# and then she don't speak you know what #hui wen# did was hello hello right and then she just slammed down the phone lah the next moment she call she asked #hui wen# ah


who slam slammed down the phone ya actually she's the one you know so we vivien tell her off lah you call and then you you don't you don't you don't you don't you don't answer the phone so I just hang up the phone I just bang down the phone lah, ridiculous ah


ya ya she will we're we are waiting only we are waiting and then she will ask for a lot addresses right like she staying in the west she need all the west but sure she's the only one who conquer all the address there nobody dare to do the west area right now


(mm) ya


positive experiences


okay can I go on first uh can I go first, okay during the circuit breaker right uh I have got a a lot of Grabfood, , ya, no no no uh it my my my my daughter's order and and especially the boyfriend's order you know like they will just send lah ya ya and then uh the you know ya ya they order my portion ya ya ya of course


then the the the the most touching part was you know like mother's day, ya she he actually sent err a a bouquet of like uh meat you know like turkey and so on dessert no no no my you know the mother's day during the mother's day ya for mother's day ya ya


ya, so it's like very shocking he's such a nineteen years old boy sending such a scrumptious dinner you know, so like very touching right because my daughter also never send right ya ya that's why my I was thinking that my daughter also never send me and then the boyfriend sent me it's like kind of kind


, ya ya ya, so so sweet right even my even my spouse ya ya he also nineteen years old only no still in the school lah ya ya ya even my even my my own spouse also never buy me never Grab


, ya ya ya, already already speaking very loudly, ya ya ya ya, so sweet right


on and off they will still they will still Grab lah then I was thinking that you small boy you better don't waste money stop Grab-ing , , no no no started very long quite eh ya ya ya started very long already started quite long ya ya


ya ya very thoughtful very nice boy, , ya ya ya ya ya ya ya ya ya


never never how about yours how about yours, then your husband leh


ya that's why ya ya lor, everybody so , because a lot of shops also never open a lot of coffee shop also never open right they don't operate also what,


five ya ya, cannot already limited to five ya, ya, that's why


ya I I also the same I I just almost everyday , ya ya edible ah


ya ya really during this this uh circuit breaker I also cook a lot cook everyday the different thing just to like, have different menu everyday like like barbeque fish, cook the stingray


in the banana leaf then the next day try to think at the another one is the glutinous rice or what clay pot rice just cook lah just continue to cook lor, is edible what then do some salad also the next day or mashed potato ya ya


all your refrigerator all full


crackers ya, fattening fattening, , ya too much also no good right


habitual already cut down lah cut down lah ya but yogurt is okay yogurt, ,


oh , , okay, so what is your your meal the best meal that you cooked, oh, okay okay fried wings ah fried fried wings ah


, you marinate !huh! oh oh you bake ah you you bake lah you bake lah okay, oh oh okay okay buy for you


, !huh! why why got so many,


air fryer no need ya just put everything in ah is very dry lah


so you actually put little bit so you actually put little bit oil lah, if not very dry right I also feel very dry oh


so that's why I I was I was thinking that you are actually showing your Prata or you're actually showing your air fryer, I just wondering oh, oh so the is turned out very crispy ah oh


so, okay, that is the best, best Prata you cook lah


oh oh easier lah easier


so you prefer to use a air fryer or the normal Wok ya okay same same,


, and very oily , ,


stop cooking,


how much, oh, I think you bought quite expensive eh convenient, because my because my girl I think she oh


oh okay okay because I got one ya Mayer one very cheap hundred dollar, ya okay


ya so now what should I do, oh but


mine is uh in this image you know, ya how ah I think just only I didn't tap so I don't have to press anything, okay okay


okay okay, so, the fryer I had my girl have was less than one hundred dollar I think so everyday she will air-fry air-fry lor she feel like it then she'll just air-fry lor, ya ya ya same same same ya ya


not so good right, ya ya right but, not so crispy right, ya, no oil mah


ya you like sweet stuff right so you can try


ah, ya


you managed to get you managed to get the temporary fund is it, only one time only lah oh, apply


so you manage to ah, pro-rated you


ya, so ah, they declare themselves self-employed they need to go to the ACRA there


ACRA and register is it, oh okay, at least got some money from the government ya that's why no income no income ya


, that's a kind enough ya ya


ya, before the election , , ya ya


oh, so they're not they're are are they are they paid or not for stationing there, !huh! for student ah


okay, oh , screening screening officer lah they call it


, that one is for, how many how many months contract


, oh, , okay, how about those people coming from the MRT one you know they they will they will wear a t-shirt MRT at some also ambassador lah


ya actually they actually they do nothing they just come in to the cabin ah they just take look-see only lor ya nothing what what can they do


no lah most of the time now MRT is packed already you know you can't they they can't where where got one meter no, don't have one meter what


but some of them still continue to talk lah some of the commuters I saw ya they don't bother


no , now now now we now now, now our side ya now we can go out for lunch, ya the other time is first second of june right we go to work right we can't we can't eat outside what we just have Dabao back in office lah


you know our boss lah you know my boss lah


, okay


okay, okay talk about any of your personal growth


last year you all have abalone right, ya, maybe maybe next year only one only or maybe don't have


ah that one I do not know I think the same thing lah, ya I think so ya because first right number one right, ya ya so number one will get more lah


maybe, maybe next year no more already , no no revenue no revenue ya not much revenue lah


ya the next month we still got this solis project coming in, ya ya


ya strictly Zoom strictly Zoom, ya and uh referral, ya strictly Zoom strictly Zoom and self-administer, ya


uh wait until wait wait until the government say we can travel lor, ya ya, ya I actually wanted last year I mean for we we last year we already going to plan like october want to go to spain right see now what happened dare not dare not to go ya now how to go


ya ya , now how to go you tell me now


ya (ppo), I think one year should be enough [lah] [hor]


part one financial related topic, sure uh right do you have a savings account yup right now I'm using OCBC uh three sixty savings account I've been using it for a couple of years already it's actually quite good


so how I got to know about it was because it was my previous it was my client previously uh and we were forced to , not really forced lah but to support our client so we each signed up for an account and a credit card each


so then I realized that actually this account has uh has a lot of benefits, so they go by different pillars so , depending on how many buckets you fulfill you get an incremental interest rate so for example if you uh credit your pay to this uh account if you spend a certain amount on on uh on their credit card


, uh having incremental uh amount in your bank, yup this accumulates the, the, different interest uh rate on err, uh for the bank, for the account so


ya so actually quite a a lot of banks I realize they have this , product, ya for savings lah so basically it's like fulfilling certain number of buckets and then , uh ya you get more interest on it lah so I I'll say it's quite good because every month we get about like


fifty to about eighty dollars, ya, so that's that's actually on top of even their credit card uh uh cashbacks uh or rebates, yup


I can't remember but for example if fulfill a certain bucket maybe it's about zero point two per cent or some maybe zero one five percent so I think as you accumulate it maybe you get about one point five, I think thereabout


actually most of the banks that offer this kind of savings I I think they actually drop the interest rate already, so quite quite quite a lot of them have this product so even for DBS I think DBS is DBS multiplier so I mean you can consider that also lah because I think it works the same way


yeah so I I suppose like most of them will require may be, uh your your pay to be credited in I think that's the that's a way for for them to, grow also for them to help you grow the account


yup I I I think I mean even my sister all this she was like referring me to, I don't know whether you heard before StashAway so it's I think it's some investment uh stuff where you manage you manage your own investment


I think it's a bit like your OCBC invest where they use their AI and then I think they help you to invest wherever is uh, uh, better portfolio lah I I'll guess yeah but I I think even for that for those the interest is also not very attractive


I mean but it's good for beginners lah I guess if you want to invest your money somewhere and you don't know where to start ya but the thing is it seems like, you you need to invest quite a bit of amount also either like uh they give you a choice like err certain amount monthly you you can decide to invest a certain amount monthly or like a one-time you put it in like a thousand dollars or something there but the interest rate is it is quite pathetic lah I feel


ya, right now I don't really have much I just maybe those usual insurance or interest and endowment plans and stuff like that yeah but not so much on personal investment or you know dabbling in shares or or blue chips and stuff yeah


actually I think not necessary lah I see some of my friends I mean who are financial agents or insurance agents uh, they said that uh, uh I'm in the markets are actually quite okay I mean I saw him posting like


uh he's gotten back some returns and stuff like that even in this COVID so I mean, I'm, I'm not really like reading into all these investment news of financial news but it seems like , the maybe experts or what yeah it they said it's like stable or you know it's fine it's not just I mean


it doesn't mean that if there's COVID and and stuff like that that, the the whole uh investment eh or investing thing is is going down that kind of thing


true , ya so I I think even for myself I've been just looking at like share prices and stuff but no action , yeah I used to buy yeah but I used to buy shares lah (ppc) but that was


ya but that was quite many years ago then after that I don't know maybe it's not really my interest also so I didn't really bother researching about it uh


ya it's a blue chip lah so it's a blue chip but it's relatively stable so you don't really have to monitor it it's not like we buy short uh sell short that kind of thing buy long sell short that kind of thing where you know like you dabble within that couple of days uh where the fluctuation is very much


err, high and low lah like it fluctuates a lot for CapitaLand that one is quite stable in fact like for example when I bought it at like two dollars plus it's only after a year or so or maybe two three years then I sold it away and I made like a thousand dollars


ya I sold it away like after I see okay their increment is a lot then I just sell it away


no I I mean in fact I just checked on the share price like couple of days ago it was it dropped actually the drop was worse in, I think march where I think that whole situation the COVID situation


uh was was getting more serious yup, but it it it increased a little bit and then it dropped back, a little bit more again but not as bad as when it was in march


not because of annual fee, (ppc)


eight hundred dollars is a lot leh , for my ya, oh


eight hundred dollars is a lot for me ah even before, (oo) oh so, oh so the eight hundred dollars is (ppc) for your main card and your supplementary cards


(ppc) , (ppc) for myself I started with DBS live fresh card, which is a very lousy card so it's just I mean at the beginning I was just like you spend how much and then you get certain points and then you can change vouchers and stuff like that


but yeah it I mean I I that was when I first started working ya then after that when I took on the OCBC savings account I still have the POSB account that is my spending spending stuff if I want to withdraw money and stuff


then uh after I took on a OCBC savings account the three sixty I also signed up for the three six five card, because because part of the the three sixty requirement was you need to spend on their card so I I had the the uh three sixty five card which was not too bad the rebate was also quite good I mean they give you like few percent on like food online shopping that kind of thing but I


ya but I'm not someone who really look at all these rebates it's because for myself I don't do a lot of online shopping it's not to be honest even if I go out and eat sometimes I don't really I don't really go out and eat a lot also so I would say


monthly my spending on my credit card is only about six hundred dollars unless I have to buy a big ticket purchase for example like uh an air ticket or hotel's stays for my travels then, I would see my credit card spending going up to a thousand dollars end up like that but other than that I'm not someone who look at miles collecting miles and stuff ya to be honest and in fact recently I signed up during this COVID there's a lot of uh


uh credit card deals going on so like uh they work with SingSaver so like uh Citibank uh stanchart, so for Citibank I signed up for it because I wanted to get an airpods, but stupidly I didn't know that there was a requirement that you need to uh activate it within


no no no you need to activate it within uh when you get a card within thirty days so stupidly I left it a at aside so I was like oh okay lah I applied already so I can get the the airpod then after a month or two months my boss told me cause cause that deal was told by my boss my boss said eh I got my airpods already how about you then I was like


no way I haven't, received anything I didn't receive any emails and stuff, so after that I I went back to that SingSaver page and I see I was like shit there is a a a requirement yes that you have to activate it within thirty days


then I, okay forget it so I tried to write in to SingSaver and Citibank that eh I lost my card uh you know can I can I still get the airpods but replied to me so forget it I didn't card at all so I hope that they don't even call me to charge me annual fee or whatever after one year I didn't even bother


I I didn't even bother cancelling card because I didn't activate it in the first place, ya so I don't know what will happen, yes so the next one is stanchart uh then stanchart one I applied they gave JBL


uh I activated it already but I don't think there's a clause that say that requirement that I have to spend so hopefully they send me an email soon that I can collect, the uh uh JBL earpod soon,


, true lah, ya ya I mean but the thing is there's a lot of people who, uh I I, I think all these rewards are nice to get people to sign up for your cards but, then again in the end a lot of not even using your card in the end they're just cancelling it just getting the gift for the sake of free stuff


ya so I don't know uh like even in period I don't know whether people are actually really going to sign up for so many cards and even utilizing it what's in need for the banks


so you only use one


ya to be honest I think that everyday card or like DBS live fresh these are more basic stuff even for the everyday card I used to use it for, purchases and stuff but right now I think I only use it for Watsons because, I only know that I only know Watsons has three percent and then you can redeem the rebates to minus off from your purchases


yeah that's the only card I know ,


okay, ah I, I think that's the thing you see you don't know when, so so for mine on my bill yeah so for me on my bill the rebates come in one lump sum so for example fifty dollars off my credit card bill but I don't know where I spent on for me to accumulate this fifty dollars amount


yeah it there's no breakdown so sometimes it's like !aiya! forget it lah I mean I'm just spending on my card I I don't think you will be so calculative to , to go and breakdown say these fifty dollars oh five dollars came from my purchase on Lazada for example and then another two dollars came from NTUC


ya ya to be honest even on spending sometimes I just use Shopback the rebates there it might even give better than than banks ya


right are we good (ppl)


part three negative experiences, okay sorry and then maybe describe a time when you were looked down by your friends or relatives


did he say hurtful words, is that end


yeah I


, I think for me maybe not not so much of, being looked down but I guess it's more of like internal conflict that kind of thing like you tend to compare yourself, with people around you especially I mean I think similarly we always have like people or friends relatives who are always much doing much better than you and you just can't help to compare lah I guess even though people might say oh you know you you are your you are you do your own thing that kind of thing uh


I mean for me, I went to quite, a good school in primary school and then uh, I I would say considerably okay for my for my PSLE and then I went to a good uh uh secondary school yeah but then in sec three or sec four I became like so lazy I was like


err I was in like the the second last class and I nearly had to stay back for a sec, redo like the whole sec three thing but of course thankfully I managed to go up to sec four but the thing is like you see your your relatives like oh they're same age as you they're so smart


, you know the they got this this this much for uh their their exams then you'll be like, !wah! failing your science failing your mathematics all that different subjects so it it is it's more like demoralizing lah but it's like a


uh, it's something that is is inflicted on your own because you you you, you just want to compare yourself against other people lah I guess so now now that I look back like sometimes I feel secondary school is like a waste of time like why can't you just introduce like you know whatever we learn in SP business like more of your uh


not so much on your maths and and stuff, ya in ya


maybe maybe it's building like or maybe it's like trying to just build your your foundation your concept that kind of thing to how you see life I don't know


yeah I think certain,


ya but I guess maybe to you it's it's like a negative thing


ya I I think there's like a lot of people like that lah leeches I guess , yeah and not like appreciating what they have


true


I I think a lot of people are like that lah they you know they're not appreciative, , of stuff like that I think which but then again uh it also brings me to like, remember that, sometimes it's but I I mean like this is maybe the the smaller part of


uh, portion of people who'll behave like that most of the time I feel it's actually the rich who are less willing to give, , ya like most of the time you see those who don't have a lot they are more willing to give


ya ya yeah


yeah,


this how about we go with, describe a time which you felt betrayed , right or maybe not so much on betrayed lah I guess but you know like in secondary school you always have like friends who you think you know you'll be


yeah, but you you know you think you have friends who you will want, you know like you are very good together and you think that you know ten years later down the road you are still will still be good friends that kind of thing yeah but you know like in secondary school


I had two groups of, friends so err, interestingly both groups are like in cliques of three so including me it's three of us and one of one of the group was, I mean, they they were not being very nice to me so there was once I I just wrote on my blog lah so


uh, then during that time it was like MSN blog or something like that so I wrote something about , how I felt , small when I was with them that kind of thing I can't really remember the context but yeah so after that so instead of facing them face to face uh I chose to blog it


and then, I I think after after my blog I think maybe a couple of weeks later it was our prom night so, , ya then they actually , asked me to go to the toilet with them then they they actually uh confronted me and they said you know you you wrote this this this thing uh why can't you speak to us and you know that kind of thing then I was like but you know I tried I I think I've tried before but maybe more subtly I'm not someone who's like so straightforward


uh yeah but then they they just like scolded me in front of like lot of people but in a toilet, ya so at at the moment I felt so bad like , you know ya, ya ya so it really ruined my my whole night lah ya so I think


I don't know whether things could have been different if let's say I was being more straightforward telling them straight to face eh I don't like, how you're treating me that kind of thing but I guess it's also asian culture lah like you know you don't you don't face people just uh straight up


yeah exactly, ya , I I think then another group of them is , uh, what did they, do yeah same thing I think also you know they just they just hang out on their own and you know just one day suddenly they just don't talk to you anymore


ya so I think there's a lot of people like that lah then you just feel !wah! like, what did I do wrongly is there something wrong with me you know why can't be people be more straightforward also in telling you what you did wrongly


no I don't really know so sometimes I just wonder on my own if let's say I were to meet them on the streets you know what would I say to them yeah what would I say to them will I say hi to them also, ya, what about you any


(mmhmm)


(ppl), yeah, for me I think knots


part two positive experiences, might you want to go first


okay , no I was thinking about another one but also poly you can continue with your story first ,


nah I remember it was damn funny like because it was very eh she she looks damn different it was just I think one day apart only it's not like over a weekend or what so it's like the next day eh maggie you got a new hair uh new hairstyle then we're, like, you know in our mind was like oh my god you look so old but you know you don't know like a better way to put it through


to tell you then we're like okay maybe it's not so suitable for you ya so I, after that she was like !wah! she felt so bad and then the next day you went to you went to uh uh rebond it back, because I think the whole school


no because I think the whole school only you were the one with with a permed hair and it was, the small curls you know it's not like !wah! korean heavy curls, big curls, told you don't go to those neighbourhood hairdresser already for for me the inside joke that I remembered about you was also during poly during one of the our marketing class uh


yes, so the presentation started right and then uh err what ah the presentation started ya ya ya the lecturer was saying, uh whenever you're ready uh maggie take it away then maggie was like


!huh!, take what away do I have to take something take a what away then the whole class was laughing so badly , , no when I saw this question I only thought the take it away man please


, I think the perm hair you remember because it was it was such a traumatic experience , ya ,


right and then I saw something that I think we will be interested to talk about what are the things that you most look forward to when the pandemic ends, one two three travel


yeah , I mean especially for me, new zealand, my new zealand trip , I don't know about it yet,


uh I mean I have been following some facebook pages pages that they have some of them have written into to new zealand uh immigration uh office, but uh it seems like they don't really care about your work holiday working holiday visas for now they are just concentrating on people there first whether they want extension and stuff like that and uh


it seems like it I don't think they would extend it, , anytime soon because it seems like they're closing their borders till the end of the year or even next year


yeah I seriously don't think so,


she's holding a singapore but she's singaporean ah, so she's there on a working visa, (ppc) (ppc)


ya obviously because it's not it's not like it's helping their their economy or what ya, of course they would protect their own residents first


agree then ya so I think that's a very , Sian but I think we have a lot of annual leave, and we don't know where to spend it on I, think I think even yeah even taking annual leave I I was on leave last week


the whole of last week but you know the first two days I was just switching on my computer and looking at emails and then the rest of the day was just playing on my mobile games and ya it it's just wasted lah I feel


I think this okay I think firstly is that we still have a job because I I think we know of a lot of people who can't find a job or got or got asked to leave


uh because because the companies are not doing well then ya and of course I'm still thankful that the companies still give gave us our bonus because, to them it's it's it's a appreciation for our work last year so I guess we're also appreciative that this is this has not been cut


uh because I know a lot of companies I think maybe even the the the civil servants they their bonuses might have been cut as well so to be able to even get get this amount this bonus is , is is really awesome lah ya


<mandarin>比较:bi jiao</mandarin> lazy,


everyday ah


the only positive thing for me is the the weighing scale so it shows positive plus how many KG so, yeah I mean, I, I put on like two KG from the start of CB but


no no no no so so the running doesn't really help I mean because I only do weekly so I started this I don't know whether you heard of chloe Ting'S workout out so everybody was talking about it I tell you it's a hoax because after two weeks I didn't even lose I gained a little bit more


I think a lot of people are flaming about her but, ya so for me I don't, I mean I tried, to do I previously I did every day then after I'm like ah damn I damn lazy already so I did like maybe just twice a week of of those workouts ya then after I followed one and I think because I uh my posture wasn't good so the bad thing is


some of the videos they don't really tell you how your posture should be so you tend to easily hurt yourself so one of the video that I followed was sitting on my tailbone so , I think I didn't I didn't sit properly so the next day my whole tailbone hurts like mad I can't really sit down I can't stand up without the tailbone hurting


then I was like shit is there something wrong then but I mean thankfully after two days it was okay I think I just didn't had a have a good posture, but yeah I think just need to be careful lah if I mean if you follow all these videos because it's not professional I would say some of them they're not professional but it's good thing that you lost weight


for me never lose lah I think just eat lesser then might uh I mean I lost that a little bit already so I'm back to about pre-COVID kind of weight, ya, where got easily eh I think it it's easier for you guy


no I think it's even easier for you you know why because, , hello is it you know why or not it's easier for you because usually you don't exercise, so once you start right your metabolism gets up then you start to see the effect already ya for me is for me it's it's I gain weight easily


but, losing weight is more difficult because it's already at that, range ya


, oh !wow!


so what I did was for the start I mean previously I have never done up and down planks so I don't even know what up and down planks are so basically it's like your your arm , it has yes yes so one by one then at the end of it my whole elbow was dry the skin was flaking there was like


after that it was okay already I think it was immune to it like maybe the skin over there hardened it got used to it and and it was fine after that and I can even do faster up and down planks after that


because before that, ya ya, because before that our skin at the elbow is that, wrinkled


ya so for me I, I found, like indoor workout maybe not so, useful for me but maybe because I was trying to lose like the belly fats then !walao! if that stomach so big you know it's so so difficult to lose that, part


true so the abs one right it's ah I mean I also read it lah it basically, I read, around it's like you can't really just train one part of your body only it has to be the whole body that kind of thing so I mean I tried the core exercises the abs stuff but I don't think it lost my belly fat lah the only time


the belly is like the smallest is when I wake up in the morning I haven't had my breakfast that's the best shape , but last time I was mah


uh yeah I think poly I was about sixty-ish sixty now about fifty four, eh but I put on two KG is very #gek sim# one eh


so can I ask why why why the, sudden , uh realisation or like, the start, for exercising


so the the the five KG that you lost do you think it's because you tried different workouts like different portion of the uh, I mean workouts for different parts of the body or uh because you did more cardio stuff


talking like some poor sia


ya I mean I agree lah I mean especially for cardio if let's say you are new to exercising some of these cardio can be very it can hurt your it can you can injure yourself easily like there's a lot of squats there's a lot of like burpees that kind of thing


and it yeah yeah so I I think it's almost the same [lah] as running


part one financial related topic, okay jane you want to go first


that's quite similar to the UOB one lah


oh that's quite a lot oh fifty to eighty dollars a month, that's what is the interest percentage


uh okay okay, kay personally I use okay I have uh two savings account so the DBS one right is, is the POSB one where our parents signed up for us when we are young so I just leave it there so that's where my salary is credited into then personally I opened a UOB account a savings account so every month when my salary goes into the DBS I will transfer the money out to the UOB so I make sure I don't


I don't have any credit cards or any, cards related to that UOB savings account so that I don't, touch that money then but then recently I was told to explore the UOB one account which also has such a benefit like either have to save or spend five hundred dollars a month uh


uh and, pre-COVID right they have this interest rate of like three point six per cent which which we're also getting about fifty to eighty dollars a month like your OCBC, but then I went to I went so I didn't sign up so I went to the bank like


like last month then I was told that uh from this month onwards the interest rate has dropped to one point two, or even lesser than that so then I decided not to do it because the five hundred savings right it's not like a direct savings so so it's like


the five hundred right will be put into a Prudential insurance , kind of savings plan, like like the savings plan that Prudential have uh so it will be like a insurance tax savings so it's not like anytime you say oh I I don't save the five hundred I just spend the five hundred then you can stop


so it has to be a ongoing if you want to save then it's the savings every month, yeah so then I didn't take that I I was thinking that, maybe I should hold on for a while more because now all the fixed deposit has also dropped as well


yea but the interest rate now is really, very low it's like is like, it's like zero point something like even for fixed D I'm referring to fixed D so previously , I put in a fixed deposit in Bank of China so the interest rate uh two years ago when I put in was


one point nine three per annum, and then now it dropped to one point seven plus but all the other banks is only offering about, , one point one or even zero point nine so it's I I think now the safest is to keep cash with you cash is gold


ya at this point of time right, it's really bad it's really bad so so what what other investment you do


ya same same I I actually opened a Vickers account in january thinking that I'll buy bonds and whatsoever and then suddenly the COVID came and I think it's wise not to go into anything now because you don't know what will happen next


stable stable


I I think different people have different perspective maybe you're because of the risk as well so because I have a friend who who's a invest who is a investment banker told me that uh not to touch anything at this point because, you wouldn't know which company is going down


of course I think if it's pharmaceutical company or something related to medical industry then I think you're quite safe but all other industry I think , is doing quite badly now lah, so I think you have to be you have to you have to be more careful on what you are going into


if you are looking at investment, (ppc), yeah just monitor for one year first right get yourself familiarize


CapitaLand right (ppc) , do you need to like


do you need to like monitor the shares when you had that that it's it's a blue chip, bond right or something


oh you already sold it away I thought you were still holding on to it , , uh okay okay I thought you were still holding because now and think maybe if you hold it until COVID you might be able to


kay maybe we let's touch on the the credit card and debit card one maybe I go first uh okay I have the habit of changing my credit card every once, uh once every two years because I I feel that uh your priority will change once


uh it once in a while lah, ha no no no no no it's not because of annual fee we can always call the bank to waive off the annual fee for you but because like, uh when I first started my job the first credit card that I have was a Citibank rewards so then I was very happy with that card because


I I spend and then I can use the points to to redeem items that I wanted so I redeemed apple products and and some other electronic products that, that , with with my points from the Citibank rewards then after using it for about six years I realized that the


the rewards that they're giving is no longer than lucrative, then I start to, look around for other cards, and then I switched to a miles card, a KrisFlyer miles card because I love flying and I thought it would be more useful to me than the the one point five per cent cash rebate


from from the cashback from the others credit card so I switched so recently I switched again because I think we'll be grounded for about a year so then I cancelled my miles card and then I, got back to , I got back to a BOC family card because they give me uh ten per cent on food uh cash rebate uh fifteen per cent cash rebate on groceries all these if I spend a minimum of eight hundred a month which I think


uh this COVID period because we are, we are spending a lot of time at home I think the amount of, online shopping also went up a lot so I think, , yeah but you know you on on usual day you spend more


ya so so it's not that difficult to hit lah I would say so now I switch back to, ya I stop the miles card and switch back to the cashback one, not so so I combine I combine with my family because we take sup card and the principal card so you can merge all the all the spending together so it's not so bad


yes yes yes it's combined


yeah yeah


(oo) but I think you can cancel that card ya, oh ya that's quite true ya ya ya, but I think there's a lot of credit card giving airpods


ya but I think that the one the collection is at uh orchard, because their term and the sign up for the for the uh one point five per cent cashback from Citibank unlimited spending, uh unlimited cap then they also give a fruit blender then I I didn't bother to go down because it's very out of the way to just go and collect a


personal blender but maybe for airpods ya you can make your way down so worth it


ya that's why I cancelled I left two cards because I I feel it's a bit, stupid to hold so many cards and then at the end of the day because you didn't meet the minimum spending then you have to pay the annual fee, then it don't make sense at all so I rather combine all my cards that's why I I will review


note too so I review I review my, my uh priorities every once in a two years like I mentioned earlier so now I'm using the cashback and the cash rebates one so I have one the DBA uh POSB everyday card


ya but I felt that card was, was not so good because like like they state that if you if you spend on grocery or you spend on online shopping, then you get one point five per cent cashback but actually there's a lot of hidden terms and conditions like this place cannot use that place cannot use this one cannot cannot deduct that one cannot deduct then end of the day even if you hit like five hundred minimum a month right


like half, more than half of your amount doesn't quantify for that cash rebate


yes yes three percent , yeah, ya ya ya yeah and that is like almost instant ya then the rest right that they say that they can you can accumulate for cash rebate right it's all fake


I felt so cheated getting that card now because I I read through the bills and then I realize that oh for things that you buy here it's not counted although it's online shopping or for things that you buy there oh it's also not counted so my Shopee purchase I thought is online shopping but they don't take Shopee like into consideration I think so so all the purchase were minus out


so in the end I I met the five hundred criteria but then after deducting and deducting and deducting then I didn't meet the criteria at all, the terms and conditions changed, (ppc)


yes agree, ya, ya ya so I don't use,


yes, ya ya ya I get what you mean, ya that's why after that I give up because I I couldn't figure out where where that deduction was from then ah forget it, ya anyway it's not a big amount I just thought that I should consolidate my spending


ya, but I felt I felt it wasn't useful lah that card, (oo), ya ya ya I know right even sometimes when people the the individual retailers throw out vouchers that's so much better than the bank's


yup, okay I think the time's up okay


part three negative experiences, (ppc) okay


ya okay so , I I I, as I mentioned earlier I think I shared this with you , okay so so my dad's side right they the my auntie, uncles their children they go to like local unis they go to (ppc) good schools uh when they're younger so my parents didn't bother to


like, move move the house to somewhere where we're opposite a, a famous school or or, well known school that is very good uh for a head start so I went to a neighborhood school then of course my secondary school I proceeded to


another neighbourhood school, and then I ended up in ITE because I was like playing throughout, my my, five years in secondary school then when I ended up in ITE right I, I realized the


the kind of look that people give you is very different like not even my relative even those, auntie uncles in the neighbourhood, like because, in ITE you have uniform so when you, uh when you wear the uniform back right then they will ask you like oh uh you study in ITE ah then when you say yes they will be like oh okay okay so so after ITE I progressed to


I progressed to poly singapore poly so so I was uh I I did quite well so I managed to choose a poly that I can, I can go to with any course that I want so I choose the business school in singapore poly which was popular at that point of time so then after that I met the same neighbour again and then they asked oh where are you studying now then I said like singapore poly and the attitude was like


hundred three hundred sixty degrees change you know like, like the way they look at you uh when you say you are in ITE and the way they look at you when you say you are in poly is completely different which, uh which makes me wonder why they have to do this lah because because I feel that (ppc) everyone has a different head start


some some are faster some are slower so when you start slower it doesn't mean that, you, your studies is bad or, or you, you didn't put in effort or what but it's just because


that their starting point is different like if you go to a a good school the starting point is already like, like maybe more than fifty percent more than neighbourhood school (ppc) so the the I felt the start point was very important lah so so you shouldn't just


uh look down on anyone just because they go to a school that you think is not that, good ya because, maybe it's maybe they're still too young to unleash their potential or or maybe they are just not, academically good


you know they are good at other things but not at the academic side, ya so or some some they develop slower so, so maybe not in primary school or secondary school maybe after secondary school then they start developing ya so that's how I felt lah


(ppc) , uh of course they won't say in front of you lah then they say it behind you lah so you will hear things like !aiyo! this one like go ITE, this one no hope already you know ITE is for at that point of time the ya ya ya it it was that statement that was like very popular throughout it was during that era and then the I not stupid that movie they also talked about the ITE and then it ya and then everybody is like realist


everybody's perception is really like ITE equals to it's the end, ya so they when they see you are in ITE they will tell their kids not to hang out with you eh this one ITE hopeless you know that kind of thing, ya, but I see a completely different attitude when I told them that I was in like singapore poly yeah business school someone who can only get in at nine points that kind of thing you know so then I felt


we shouldn't we shouldn't, have prejudice against people, who goes to a not so good school lah because, because everybody is different in their own ways yeah but I'm glad lah I'm glad that I'm, slower but I managed to catch up in time


ya and yeah


and you don't even use it now you know like I don't even see what's the relevance to the working life now, of course of course of course english and languages all these are, good but, for like science all these if you are going to a business environment you don't even use it at all


(ppc) , yeah and you know you know I have I used to have this accounts teacher right during O levels she will come to us she says if you're not confident you know last time the teachers are all very


very harsh one they they really they they are not like the teachers nowadays they will just, slap you lah make you knee on the floor lah do whatever funny things that they can think of ah now now you try doing this I think all the parents will, come and complain you ya


(ppc), (ppc) so so so she will come she will come to us she says she says that , if you are going to fail your accounts right then I rather you don't go to the exam hall because if you don't go right on the O level certificate right you will be written as, uh AB which is absent if you go and you fail it will be a F so AB is nicer than F right so she will tell us that leh


so I'm I I'm always like feeling ridiculous why, maybe she's trying to do reverse psychology lah but I, I don't think it's right lah, to tell a student that, yeah really really, so it's it's really


terrible, yeah okay, maybe let me touch on one of the points here uh describe a time when, you feel awful after helping someone okay so recently I have this experience you know I've been volunteering for like


fifteen years since poly time so I do local and overseas volunteering so during COVID period right in CB the only place I go was, to, distribute meals to the less fortunate


so near my place so that I don't take, , public transport uh anyway during that period I drove so I drove myself there so I was distributing meals so supposedly these , this welfare centre right only provides meals uh daily meals for elderlies so those elderly on wheelchair all these they will come down it's like a activity centre for them so that uh during normal days right they can come down make friends sing karaoke


and do whatever they want so during this COVID period they work with the uh welfare society family service care , to, distribute meals to the less fortunate so, so, so the welfare centre has this list of less fortunate people so they're either of low income group or no income group


so then we actually go to, their individual housing to distribute meals for them so of course because elderly above sixty they cannot come out this is one of the regulations from the government so then we decided that nobody should come to the centre because we shouldn't encourage people to come also we do blocks distribution


so, okay so it was all normal until I, met, this young couple like really young I think they're only in their, mid twenties or late twenties, so this young couple I distributed the lunch delivery at


about eleven AM, so when I knocked on their door right they uh there was no response so I continued knocking because that family that the first time I went to that family, I saw that the number of packs of food was seven


so I I I better make sure that you know they hear me and (ppc) so I continued knocking then after some time this young man came out, so he was the beneficiary so he came out eleven plus he was still like he was like I woke him up from his sleep then inside the at the background I saw it's a one room flat lah in singapore


inside the house I saw four four four children or five children ya so they are like one year plus two years plus three years plus four years plus and then the oldest one I think is less than seven or something so then (ppc) I passed him the seven


meal boxes, and you know what he did he opened the meal box right and then he looked at the food inside and then he said oh this food is not nice you can take it back, and I was like what, you are not having a job and you're asking for financial assistance from the government and there you are choosing the kind of food that you want and you have five little children's there


waiting to eat and you're still so picky about food, oh so it really makes me (ppc), it really makes me feel damn terrible like why am I helping people like him, you know it's really like !wah! like shit after that ya yeah it's terrible (ppc)


ya so so ah subsequently right (ppc) I didn't go to that house my other volunteers friends went and then they tell he got the cheek to tell them that eh I don't like the food can you buy other food for me, so I don't know why the welfare centre person was so nice I don't know whether they they they took out money from their own pocket or what but they then they bought some


other meals for them like chicken rice that's most suitable for the kids and then these seven packs of rice right go to waste because nobody took it eh so I was really very angry with this kind of attitude that I I mean to me beggars cannot be chooser okay you already have no food and you need to support your family government is helping you


and, there you are choosing the uh the kind of food that you want eh you don't have the luxury to choose you know, like you really don't have the luxury to choose, yeah, ya if you want to choose then you go and work hard for it, go and find a job and work and then get your own food for your children the kind of food that you want but not in this manner like demanding people to go and get it for you


ya, so I was , I felt really angry and awful after that lah like why am I why am I helping you, you know ya, and and I donated my six hundred dollars that the government give to to welfare organisations like these then it makes me think that eh why is my money going to this kind of people you know


like to help elderlies oh I'm more than happy but then to help people like these, like, is it really worth your time and money or not it it really makes me wonder lah, yeah, uh so it's very upsetting I feel


true true it's I always feel that, (ppc) , actually okay no actually I I I see it differently I always feel that, okay so the one that is not so willing to give is, like, higher a bit richer than the average but not


not at the top of the of the bar yeah the top of the bar people at the top of the bar are usually, uh very nice and humble people uh I mean I've met quite a lot but then is the one that is, that is slightly richer than the average but


not richer than the very top that that that behave like, yeah like arrogant or whatsoever


betrayed okay I don't really have anything on this maybe you can go first then maybe I can think of something after that, (ppc)


I don't friend you


and it was a prom night oh my god


we're we're usually not so straightforward people usually go one round yeah, (ppc)


oh but you don't know the reason, yeah ya ya ya, so until now you do you know


why are they angry with you


yeah, uh maybe I will touch on the embarrassing moment okay so it, it happened , not too long ago recently so so I actually (ppc) pre-COVID I actually move to my Khatib office kay so there's only a few of my colleagues there because the office is not fully operational yet


so there's only a few of us, then I I when I went out for lunch I bought some cakes so I came back and then uh because the set was like , I think five pieces, so there's four people including me and my team there so I only have one extra piece left so then (ppc) there's one colleague that I was quite close with who's there lah so I offered him the last piece


so inside the box there's two pieces lah because one is mine mah (ppc) so I went to him, then because all my other colleagues they used their hand to take the cake, so I went to him (ppc) then, then I I took out the cake I expect him to take over from me


then there was some awkward silence because he didn't take over from me and then , and then, and then I don't know what he's thinking uh (ppc), oh, do do I need to wait for her


okay ya so so I I I I don't know, I I don't know why what's he's thinking so I took out the cake so I I wanted to offer him so (ppc) he, he looked he gave me a weird stare like, that


I sort of guess I think I know what he was thinking so I told him eh I'm not going to feed you don't worry, so he thought that I was going to feed him the cake ya which was very embarrassing then after that both of us laughed because, because I wasn't expecting to do that I just didn't want him to dirty my cake so I took out the cake for him and expect him to take over from me but I don't know what makes him think that I'm going to feed him that cake you know


like , it's truly embarrassing luckily it's only the two of us in the room, yeah so that that uh to me I think that's quite embarrassing lah, like, right offering someone a cake and he thinks that you want to feed him the cake yeah


part two positive experiences, yup, sure okay I was reading through that that uh that list of guideline and then I


uh that's one of it which I think we share the share of funny inside joke that you and your group of friends still laugh till today I still remember the the day when I permed my hair in poly, and then I go to school, remember


and then I aware, , oh okay okay there's another one okay I think there's quite a lot in poly time so that day was the first time in my life I permed my hair and then I go to school it's quite horrific horrible because


uh I think I looked like I aged like forty years or something , and then immediately when everyone was laughing I went back home go to the saloon street and tell them that I want to rebond back my hair, and then I did everything within a day so then all my hair were spoiled and then I end up cutting out most of it because it was all dried up


yeah , ya ya ya, , , and everybody was laughing at it that was the thing because I'm already like older than you guys


permed hair , it was a mistake done by the hairdresser


that's why I never go there now anymore , ya take it away


and then the lecturer was like saying uh can you can take it away, take it away take what away yeah, really really oh my god you just reminded me on that incident


I almost forgotten it, , yeah I thought it was the perm hair but ya ya yeah I think I got a lot of joke, , yeah I tell you I never go back to the saloon after that


yeah it's !hais! we are


such uh workaholics and travel-holics that now we are just stuck with the, first one , what is the first place you want to go, what is the first place you want to go ya


eh, yeah oh but then your visa


ya ya ya I was,


yes it's the same for australia, yeah so actually have a lot of plans this year like uh I was I actually planned to go like japan in, april and europe in december then it was all screwed because of this COVID and I think I've been following the rules I think


most probably we won't be able to travel until mid next year I think, yeah it's it's really bad ya and I I don't I don't think, that like australia new zealand all these countries right they will allow us to go in at this point of time rachel is in australia and


she she was actually studying there supposed to get a job there but because of this COVID nineteen thing right the immigration office is also trying to keep jobs for their locals so they now she's having a dilemma whether, to come back or continue studying there to to maintain her temporary


ya ya she's singaporean, her brother is a residents there, ya so , she's there on a, now it's, not really a working visa more like a study visa


so she do attachment so she's supposed to end the attachment like this month or something and then go out to work then she actually got a job in a in a restaurant but now because of COVID right all the restaurants are also affected so now the government wants to keep all these jobs to the local so now she's having a dilemma whether uh she should just


pay money to continue staying there like , find alternative like like, tagging to the brother like a relative visiting family visiting visa or or study visa, but then, I think the future ahead is quite uncertain lah so


uh , I I guess it's it will be the same for new zealand uh your working holidays might might be, pushed back to the least priority


yeah and now they're very sensitive about COVID like the two two imported cases already the PM is so so, , uptight about it so I think they they will really close the border until the world is stable, before letting, tourists comes again


I know right uh


(ppc) (ppc)


yeah yeah especially if you are at home and then ya (ppc) so so what are you thankful towards this COVID COVID


true true I also I'm very appreciative that I have a job now because I think I have many friends who are affected they got thirty percent pay cut they got, , their whole departments were retrenched and then they are the only one who whose remained behind and then they have to


they have to do the work of the whole team and then with a thirty per cent pay cut so I think, uh, having no impact on, my personal career life I think it's it's a very thankful thing but also thanks to COVID I think I my life has changed


a fair bit like since uh since circuit breaker, I started exercising so the first day I started, like, daily exercising uh, was on fourth of april and I have never stopped a single day since then


so I spend at least like thirty minutes uh a day to exercise , so I go on YouTube and uh thankfully there's a lot of videos on YouTube that shows you different kinds of exercise so I do like low impact cardio I do standing abs exercise I do aerobics kickboxing and amazingly I didn't know that you can actually


uh learn from all these videos online because previously I was just so, busy with work yeah, busy on work and travelling that I yeah that I, I don't think like exercising is a need then during CB I tell myself !wah! I already staying at home I I need to do something because you're not even walking from your house to the train station or even the bus nearest bus stop you not even stepping out of the house I need to do something so


yeah so I've been exercising for ninety over days now , I lost about five KG plus and I think I toned up quite a lot yeah so I think this is a very positive part yes every day without stop, so so I think the encouraging part is I I had a colleague whom uh


whom we tell each other that we will sent screenshots of our exercise proof to each other every day to motivate each other so sometimes I feel lazy right then I see my colleague sending me right then I'll be like okay I better do it because


they have done it or she has done it then then yeah so once a week we will also exercise via video video call, so we set every friday five thirty after work right then we will do a video call so like example this week I will share a video we will do together next week she will share a video we'll do together so we explore different videos together yeah so there


(ppc) (ppc) !huh!, but you have been running, (ppc)


ah yes yes I using it I using her, , no you go to the amy one after I I tried chloe Ting for once and then there was this, trainer that came out and, talked talked about her and


and say about her exercise, (ppc), ya then I go to this lady called amy and joanna Soh, they're both very good, (ppc) yes yes (ppc) ya ya (ppc) (ppc) ya ya yes ya (ppc) oh that's good


that's good that's I you lose weight very easily lah I think because you you are, you are very active, no it's not I, I spent, five months for five KG it's horrible you know you know how much effort I put in or not


no so I went to read up a lot I read up a lot about exercising about body shapes and all these then uh what kind of diet you should go for but , but you see ah for the diet wise I'm still eating


like, how I do normally so I didn't change my diet, ya because, because I feel it's very difficult like for the whole family to suit my diet, and, you know I stay with #ah yee# right #ah yee# #ah yee# is so slim that she need to put on weight then I need to lose weight then the kind of food we eat right is


completely on the opposite end , so so it's it's very difficult to change the diet I think maybe when I start work I can prepare my own meals then maybe it's easier but for now I think ya I'm just solely working on, on exercising but I agree with you the posture is terrible when you learn from video the first


time when I did the plank right I got #oh ceng# on both my hands and then I was wondering how come there's like black, patch, every day on my on my arms you know on my hands and then I realised it's because of the planking so I don't know whether it's because it's a wrong posture or because I ya I didn't do it correctly so now I got a plank cushion and it's very comfortable I can show you later


the hand straight and then you go down hand straight go down yes yes this is very difficult eh


that was exactly what happened to me , ya we got the same issue, so I think that is very normal


then I think it's very normal I got the same thing it was like #oh ceng# then dry up then the skin drop then after that it goes back, , okay ya ya for the first two weeks I was like wondering what's wrong with my hand you know it's like the same spot leh on both side


try try the abs one from amy later I send you the link


but we are not fat to begin with what, I think you already lost quite a lot from poly time you know, you lost quite a lot from poly time right


you see you lost quite a lot what actually even if I if I lost right I cannot really tell the difference I think because, , okay I so I think I have hit a stagnant point so now I need to find, , find more ways to, go down further so I'm exploring different thing but I read up a lot because of COVID because I have more time and because


I want the exercise to be more effective, ya ya ya because okay because I will be staying home


then I, doing nothing and then I thought I should just start something, you know because you are stuck at home then already okay so I'm a workaholic lah if I don't do anything else I'll be stuck to the computer like, like, twenty four seven other than the time that I'm sleeping


ya so so at there I tell myself okay every day I shall just put aside thirty minutes so sometimes I do like slightly more uh like about forty fifty minutes sometimes thirty minutes, ya then I try and explore different types of exercise as well so I do aerobics I do