and you have to be more or less ah active on social media right so is basically everything that later against me lah which I feel is ah important for me to overcome ah overcome this year in order to reach my go august


ya cause at the end of the day like I think that, uh I think that, uh is is a good, memory to to lean back on you know like like especially when moving forward you know if you have to you have to if you have to start a business you know you're afraid you are afraid of approaching people you know at least you know when you look back in time you know saying that a you know


we actually done this usually done that you know what's what's ah what's ah what's ah what's worse than rejection you know you actually gone through it, you know it actually face the worse so I I feel that uh, uh it's important lah you know for goes to be for goes to have fear


yes yes of course yes corrcet ya,


, uh of okay, uh okay so for me


the villagers phobia I have is uh I got I fear of heights ah yeah so I'm yeah I'm very afraid of heights so uh, like before I enlist you know I try to keep facing them or you know jumping down from different heights you know even if it's not jumping down just looking at it you know and then picturing it you know as to how to jamp it jump jump into ya so


for me how I face them was ah honestly I didn't have a choice ah because during NS I was forced to jump off the the side side of a building, so then then ya so so then I I just jump [loh] you know but but I feel that after a few jumps you know the the thing that I


would look at it stood not it is not to see how hard our hit the ground or how fast our goal but more to how more to how high I would jump or like more to how how I would uh how I would


a land after that it also it takes my mind off the speed and the impact on its own so my my perception of uh, uh uh hydride would be changed you know because I have uh I understand I understand my phobia better right so I I feel that I feel that uh


in all phobias right like especially being after being able to overcome my current one food and all phobias right uh the best way to overcome a phobia is to understand the phobia, and to understand uh what what issue that uh what what cause your phobia instead so for me why wasn't the height for me was how fast I was going down and was was uh


how much force I was feeling or like you know the G force you know when I was going down ya ya the G force, ya the G force how fast ongoing and how hard our land so this is is just for me it was that it wasn't the height


ya so for me it wasn't that it was it was the height so uh now that I know that height wasn't my, I wasn't my my issue right uh I would, then find a way to to focus on other things so when come when the situation arises again others need to do that you know pull out this distorts your than I'll be able to face it every single time ya regardless of height regardless of location regardless of anything but of course


ah safety is uh his priority lah you know especially when ya ya then there's a reason why you are afraid of height because are you can die from them ya so so now ya this is a mechanism that tries to protect you ah


ya so how how about you at,


ya


ya I I I, I think it's I think it's good I think is good like like you know that you know there's a few right and the girls are like yours are unlike unlike my your fear is something else you know is is is not called I I I wouldn't think that is because I I would say that height is a and the fear of heights is very common so yours is something else also


if ya is it if it's if I have any issue, I will just have to ask someone you know that has a fear of heights and how they we would overcome but for you is a slightly different and then the fact that you know you achieve face it head on and the fact that you you you you took the courage you know to make sure that you know you overcome it


you know and I feel that the most important thing is what you take away from it you know and, not not and and it's not about being able to cure the the fear or or the phobia, but it's more of a what what have you learned you know and and what what what are you like how are you able to overcome them constantly and what advice will be able to give to someone to which have something similar which which I think which I think you which I think you did lah


you know and and that's something that most people can't I would say most people can't, can't do ah in august is not easy to begin with is is ah is very difficult you know that's why there's there's there's the term phobia


you know cause it !yay!, ya so you know okay like uh for me if I my unable if let's say I'm able I'm unable to do something that that uh that I like because of the fear that I have you know it really frustrates me you know like


like there's like in like it it really, like because of certain forget I have really frustrates me ah you know that I cannot do the things that I like so like for you know what what actually makes you really frustrated you know what's was something that when you when you experience your when you look at it you know you you feel very uncomfortable


(mm)


but to positive experiences


uh I'm actually for for me right uh, I I don't really feel like I you appreciated for my hard work most of the time I just I just do it you know when it comes to hard work you know then then like I really I really get that feeling ah but I would I would I would say that uh


I always always feel ah always feel that I had to appreciate someone else lah, work you work is a is a how to say is is is better like when you appreciate someone side how would you actually understand them better lah ya so there's there's there's for me ah ya how about you


ah I see I see


I see I see


perfect day ah a perfect day would be like any other day like today you know where I can have a food like a list of things to do and a list of things to check off, ya so it's like you start you will start off like waking up


you know like like uh within the time that you expected but without an alarm clock you know so ya so then you you carry on your day without any uh disturbances like you know you just focus on the day and then start checking things off


and then the woman you endure the off you know you you go back to bed and then you feel very satisfied and then looking forward to the next day there will be a most perfect date lah you


ya ya ya that's you


(hmm) sounds good lah


sounds good do do like okay so ah, like I I would I would I would take my perfect day right to be the most perfect ah when I'm overseas ah so that's when I'm I'm enjoying and really doing


doing are the stuff I like from morning till night you know experiencing new staff so uh how light light right uh do you have any travel experiences that that leave you in there with the best memories ah


err, (hmm)


, a shell or wanna sit there also like so for


ya so for, ya so so for for me is not okay it it is it's not very far from singapore went malaysia so yeah when I went Tioman to dive


so ya so it was my first time going oh thirty meters dive so it was a quiet quiet experience so when I when I went down, all the way right is like the whole world like change around me ah so it it it feels like I'm in somewhere I mean like I I don't feel our I'm on over you know then everything starts to slow down and then you see like like a lot of marine life up close I know it's like the big ones


ah ya those you see the fish tanks right or like like times four times five the size in see, so ya so it's very huge I then you get to interact with them like up close, ya so so is like uh light for me was a during that whole trip right from morning till night right you have dive so it's like diving the morning afternoon and were more dive at night


ya so so you want the best are the in between that we had like ya like, travel the island we we we eat their local food around and then we enjoy enjoy like we just do like a few cliff jumping you know ah leaving the island level


ya ya that was the best ya so so it's like uh what what was the biggest reward you ever receive after doing something good other than the the the drinks that you have on grab


uh,


nice nice ya for for, ya like like maybe like uh instead of uh uh physical stuff they give like like ah experiences are you know yeah like for for me was uh the biggest reward I had was a


uh like, for them to bring me to to somewhere new and have theft did dinner in singapore so it's like is it was my first time having a Omakase dinner


ya and it wasn't it wasn't the cheapest food you can have lah but it was it was the one that has the best experience lah, ya ya, ya it's it's quite expensive lah like like to think that somebody would spend like more than like hundred over dollars for a dinner experience but you know it was it was a good experience ah like I I don't think I'll be doing it anytime soon lah


it, that time was a it was a it was a ten eh twenty course meal ah yeah twenty course meal so there's like there's like


few stuff then after that Teppanyaki at all the way to the back then ya then there will be a dessert lah ya so, so it's a it's very sick lah like like the experience lah especially you cause like there's there's a lot of gaps shooting you another guess so you won't be affected by by their conversations or by any ambient noise lah ya so when


whole play is very dark is that because the whole the whole reason for that is because a dark dark places right like heighten your sense of taste, so that you can taste food better lah of course you are I mean you're not using your eyes as much so you are you will be using something else as much like you touch it and your tastes ya adhering ah


so so is very is is is what it is, fulton lah you know going to try to enjoy a like luck like luxurious food, ya so so ya it was my first time lah you all then like you must first time it was my first time going to like fine dining with a ah like like with a dress code you know ya so so it's quite an experience lah ya


ya it's it's about like like almost two hundred plus after yesterday lah is is is is is very expensive lah, ya like like I I wouldn't that the thing is the thing is like I wouldn't know of such a place right because the price points to high so so then so then is like I wouldn't get I will never experience it lah if if if it's not for my parents lah


ya that's that's cool ah so uh like it's like talking about experiences lah is there any experience that you have that that gives you an adrenaline rush,


, nice nice like


oh okay so like for me was the the very literal adrenaline rush lah so it's like I I get it I get these moments when I'm in the gym mah, so it's like it's like when everything is in place like you got you got a good you got uh your gym buddy they you know the whole area is very lively you know and then they are playing the best songs and then


ya for their trying to, ah beat your previous best record for certain weight or like a certain amount of uh wrapped so it's like at that point of time I was a, I was try the I was try the hit by record lah you know


for so so it's like I got a group of friends I think me and then there were like playing songs so oh yeah but that that was in can dream lah like so the whole gym was technically hours so then, ya then like I made when I leave the wait up you know it's like it's like I I didn't feel anything at all lah it's just it's just my mind just blank then I just I just did the day the whole entire movement ya so


ya that is the the the the tunnel vision tunnel vision more lah you don't you don't see anything else except for the weight stays moving lah so you just you just go down and then up and then you just like like everybody will be like oh, shit you know the the hive kind of really ya so there's there's there's like experiences like that like give me a lot of it urgently rush ah


ya ya ya, ya then like what uh like uh you know like what what what what really amaze you, you know like ya


it's a big big and heavy is like like a motorbike or like bike like ah


, !wah! that's very very cool, eh


amaze ah for me was ah, like things that that's similar to a same as you lah you know like things that, ah ya you don't really see you know it's not really they're not very common not not very common not ah


not everybody notice it lah so for me it's like ah if if you are able to notice things that, uh the people cannot notice like like it's not easily picked up you know for those moments are especially like you have like enlightenment right so those those those kind of stuff I really amazingly ah like like even the simplest ah like let's say


the day I was watching a video of uh why why is to sky blue, so the ya so uh simple question right with an explanation that I never I wouldn't expect ah it's quite quite interesting ah ya that there was


there are also a few of the best moments ah, yup


uh for me for me I'm I'm optimistic about


uh I'm artist I'm optimistic of the the uncertainty ya you know like I'm looking forward to wait because it's the first time the world is facing this uh and it's the first time that singapore it's uh and encountering such as situation so


it'll be very interesting to see how things would play out lah in the in the future ya so I'm looking forward to that ah you know it's like, in I seeing right how how everything would uh, would unfold you know like how how would the government handle certain situation and then ya how how would the people around me handle this situation but most bonding is like as I I feel like for us you know when


being placed in in the in those situation is good to it's good to like, like have a set of plan and then at the same time you flexible enough to flow with it lah, ya because scores is uncertain one right you know when you have a plan uncertainty will hit you and then you can't do the things you wanna do and then you feel very down so it's best to have flexibility need lah you know have a few backup plans ya so there's there's there's there's for me ah you know how about you


oh nice nice is is is is a book right is it a book, what what what what's the book what's that name ah


[oh] nice nice nice


topic


how do you ya you ha ah just want to ask how do you manage your CPF savings ah, and what advice would you give someone in order to maximize their CPF savings for retirement, (uh huh) (uh huh) ya oh I see (uh huh) ya (uh huh) I see oh how many


medishield should be ratio right, I should be managed you correct, ya that should ya, ya so, okay I can see that since you like me ah ah seven part I guess but for me is unemployed so I don't know eighteen marks he pay that's why I ask her


so next question is what advice ah what advice would you give, to someone in order to reduce the income tax ah have you have you encountered any income tax in your, in your your work life or anywhere, ya income tax uh ya having ya


yes know the where are we, (uh huh) okay, I see okay ah so next question ah have you heard of or supplementary retirement scheme ah SRS or any financial insurers as virtue


a supplementary retirement retirement scheme, ah I see oh uh


a similar but ah this is something, what I know is optional, it's more of a ya you can see it from someone who is going to retire and this scheme came up is to help people who are able to manage the funds but do you know that ah


these supplementary retirement scheme has a penalty he, one who withdraw prematurely correct, ya, you didn't know that I mean because I heard this from my financial adviser you measure about uh these SRS and and now is ah


CPFIS ah, ya CPF in a CPF insurance thingy lah but the difference between the two is the SRS has splendid, the when withdraw prematurely YS ah the the CPF insurance uh


there is no penalty at all, uh, okay so so give a, so let me ask you something much more car easy ah so how do you normally spend your money ah, uh then how have you been spending too much on


(uh huh) okay I see oh


!wah! but is good, I see I see, uh me ah uh, for me as you heard earlier I'm ah


I spend too much on audio equipments ah so right now is reaching around my thousands of dollars ah so I try to reduce the the is like this kind of liabilities are choir, ah and try to sorry of uh so since I am I apply I trying to I am at the moment doing uh a grab food driver


ya to to to earn some money to pass time and as you know it to buy to guests essential items to get through life lor, nokia you already depand ya I make sure what ya ya ya


ah for my case ah this ah financial adviser approached me during when I when I was a serving the military ah, and she introduced me about, about the risk about the how to say ah, uh injury and staff work that may happen in military that's why she approached approach to me lor


but after ya after explaining to her, about my situation as I'm not in the SB position, so I don't really, I want to have any plans with them blessed with me and plans to them lor


so so how about you yourself have you been approached pioneer ah financial advisers, and do you have any plans to get them to play your finance, or you also (hmm) (hmm)


(uh huh) (uh huh) okay, uh okay (uh huh) okay (hmm) (hmm) oh oh why leh (uh huh) okay (hmm) okay ya ya


I see, I see (uh huh) ya I see I see okay


I see so speaking of ah speaker of our saving incomes and a managing your fun do you have any ah habit of saving and how do you ensure you meet your saving goals, (uh huh) okay (uh huh) (uh huh) okay see I see ah oh okay okay oh


oh I see so so you are trying to make use of technology correct, okay (uh huh) (uh huh) okay (uh huh) I see okay


so ah so because other aside from savings do happen to one to have extra income in the near future, and how can you do to earn extra income or improve your income level, ya ya okay okay


ah us okay uh speaking of ah aside from harvard habit so aside from savings are some are saving goals do you have any plans on having extra income in the near future, so if so what can you do to earn extra income or input or to improve your income level


okay (uh huh) okay


oh okay, one time in okay (uh huh) I see (mmhmm) okay I see okay


so so had ah so have I having us or second side line it'll be a way for you to get ensuring come correct, okay I see so so what's your financial advice


that would ah that you will give to yourself five years ago, ah but it's just one financial advice ya, (uh huh) okay I see oh okay okay (uh huh) I see okay ya ya a'ah


ah for me ah okay ah for me at the moment ah I, I'm doing as a grateful driver ah so I my funds as been spent on unnecessary disk such as food and water ah


so about my casserole my side I've been trying to stop buying my audios style so I use all my money on, a fixed deposit have held fixed deposit, meaning ah you sign ya it


are three FD ah so you will go through a bank and and uh there's a certain period but certain period where the bank leads you to put you on a certain amount of money inside to get this ah it uh interest out there, so these are one of the zero this uh


I call in the tester ya, the that's why I be doing [loh] , oh ya, (uh huh)


uh I, I call it is a good lesson and not really an income is uh as a stepping stone towards how I'm am I going to, ah know about how money works ah


ya, it's about the fight how money works ah (mmhmm), okay (mmhmm) ya correct correct (mmhmm) ya


ya of course ah is to manage my money like how much, do I how much amount of money do I need to put into this FD ah for example, saw charlie FD dentist at least ten K inside, if you are aware of it so I have barely enough tank ah affiliate I barely enough uh


ah this amount ah which is ten K are put inside is FD ah, and this empty as this ah this this amount as being cremated since I was very young lah ya also contributed by my parents as well, ya ya


ya they ya they help me help me plan here or there stress one thought I suggest a stepping stone lor, ah


my children's uh you're trick you're speaking the secret we'll keep where I haven't have a girlfriend okay okay lah if you want email, ask me the question okay I will be doing the same as well I will every month uh set aside a small amount of money for my children ah and put it in there a carbon ever start


ah ever since their border [loh] from around like ten to twelve years old outside though educate my my children about how uh how can they save how can I use the amount my there could be there over the ten years ah, which is about I think five thousand us by then


ya then uh then when they reached before before they reach the the young adults to choose eating also I will advise them, not to to ah, how say ah youngster staff or whereby you spend a lot of money on things based on emotions ah


ya that's how yours the duo in so I tell them how to lavish their things accordingly are unable to secure their ah future step by step lor , there's finace ya oh okay I see okay okay (uh huh) (uh huh)I see I see (uh huh) ya (uh huh) (uh huh) ya okay


ya correct ya I I understand I understand, (uh huh) I see (uh huh) okay


I see I see so good, (uh huh) uh ah


to make yourself up to invest ah correct, correct things ah cause right now everybody's doing long and research on ah real estates


that I need to know ah before able to invest wisely, , ah there's the step there's the one key vice for myself five years ago [loh], that's crazy


okay thank you (mm)


part three negative experiences, okay


so I want to know our directly are most traumatic incident, that you have ever ah experience your life, are there any ah there do you have the most traumatic incident gift ah ever experienced in your life


traumatic like something very terrible happen, ya actually table


oh driving, oh oh !whoa!


!alamak! oh oh I know oh oh oh oh !aiyo! (uh huh) oh that's right ya ya a'ah a'ah


step into and you know, so for them was there in, ya, ah was any instructor or put a surface, no ah oh


oh I see oh, (oo), I see


I see so okay ah, I see (hmm), uh he was ya, uh I


the thing is more of like experience lah it not start and stop watch is not our read is smaller experience it myself so thanks for yours are ours evolve in a in a real accident lah, ya it was a it was a sunny then towards


towards uh, uh towards children bird park [loh], and then sunny, but you know the some cut out of nowhere just park out ah, you're just park out and then hit the car the front in the car was


your spin around because you are moving at about eighty kilometres per hour towards an expressway are so so those uh U turn route or so this reckless driver out look come in, so the car lucky to car you overturn and didn't fall off the bridge ah


so ya so you will safely on their wish itself, and during the time I, was ah while I was young and then I my was not put properly ah so out was put on my belly itself put on my


this shoulder I mean is like these chests, so I explain all the impact and in my head related towards the glass ah, and there was bleeding profusely ah so it so it saw yours are very traumatic square and, that was when I was eleven years old ah so my hair was quite my head test when suddenly undefined mah so no ice experts bleeding


there was not really good ah and also experienced by I experience I mean is is long experience by able to know what is like, to be in uh uh in the verge of death I guess can quiet, ya cause I was feeling quite a lot losing blood


, lucky lucky the car didn't didn't of the breaks sia I think I won't be here here ya, ya okay


, (mmhmm) oh


oh ya I think, because during that time my knowledge on anything was not really uh clear so, ya I have question myself why did this, car of hit by ah incident happened lor, and also questioned my sight and during the time ah


!aiya! don't say about something related to know superficial stuff so I don't want to talk about it lah ya <NEN> ya okay so, so moving on ah so what's the biggest thing holding you back from your goal so if you have a gold so what's the thing what's the biggest thing they're holding back


(uh huh) ha I see ah


(mmhmm), (mmhmm) (mmhmm) I see (mmhmm) I see (mmhmm) I see I see


, , oh I see,


judging at you, oh uh (mmhmm) oh ya I see (mmhmm) okay I see (mmhmm)


I see I see,


I see is of couse, so so so you ah so you not to or or push oneself further towards, to achieving the goal is to ever embrace and eventually overcome their fears in every stage in life correct


oh I see so so speaking of our goal ah I think also ever go to share lah so I am right now my goal is to earn as much money as possible ah, so I've been I've been looking for jobs are not any ordinary jobs us jobs that whereby there's no fix salary is always based on commission base so for example a financial advice so I've been run runner I also correct


apply a license, for a as a financial adviser, ya that's why I know a little bit about financial advisor and improvement, ya so bio the only thing that holding me back the most is because I have earlier plays in


ah ah local university pursuing are different uh, few days from the go I'm pursuing towards lah, but a source but is a similar go there or have pushed up from uh from polytechnic ah, so


okay, ya so so, ya so that's my biggest house ya biggest because so I need to maybe need to try to adapt and this kind of fast pace uh more fun that I have greater for myself lah


eh sometimes, I created too much grows and it becomes a huge uh anchor towards me or whereby, uh makes me feel very overwhelmed by my own achievement I sorry overwhelmed by my phone ah


goals and targets because sometimes rate I'm push present too much, I'll be team of it team motivator and tend to not want to, with any further because outside the self doubt and stuff lah so for me I'll tend to simplify my goals in every station order ah


so that is how I do things the right things to rights for example like a boss tells me to do eh tell me to quickly memorize this therapy pages of books ah in in today I today ah cannot right so so for me I want it to be simplified in a very bite size for the


and where from there I able to catch on easily and in the long run I cable accomplish it even faster and faster eventually ah something like games ah no you play games, ah if a queue is too long will start to feel very ah


very tiring have sort of a freelance drying correct so games to have a shorter period time but outbreak are much more fight expressed tend to make someone to play again much further and much longer, yeah that's that's what that's what I think about it lah


so talking about this kind of fear of, err do you have any phobias in life ah, and and do you have do you have a come there, (mmhmm) oh okay I see I see oh (mmhmm) I see oh oh I see (uh huh) I see


okay I see, ah, okay , oh


ya oh okay


ya ya ya the actuation force physics, (mmhmm) I see


(mmhmm)


I see, number one thing ya so


I see, ya, okay so so I'm got that, so I've got a able to reflect on this so about myself as ah I marvel sufficient virtual sale so I tend to fear of uh


super natural things such as goals and stuff I mean still still still related to me today are still quiet nice ah uh how to say ah uh, currently some issues in my day day lifetime ah, but I am doing much better ever since I was from reform jews on ten years or so as you say I overcome these by understanding


about the the source of of far this particular this discourse this supernatural figure out which is is is he come from a belief I should eat grass, this can't believe was uh cultivated by my parents I especially because they are quite religious and stuff


so unfortunately I got caught up beneath and believe in it intentionally but over the years I been, going through the the this account episodes, uh unfortunately uh and, and also did also experience a trauma and bad stuff lah whereby you need to visit a psychiatrist for treatment


so but fortunately there I career recording for you and doing quite well and also pursuing a license for my near future I guess, ya, so this guest ya


, okay


ya so I'm, , see


ya


ya, I see, (mmhmm), I see, (mmhmm) ya


I see, , ya to have, (mmhmm) (mmhmm) (mmhmm)


(mmhmm) (mmhmm), I see, first


for sure is when I in a situation whereby I'm feeling stuck or feeling where by I had no options to go through ah, so normally as you said earlier I'll I'll do my best and, and finds the ways to reach out to more people in by people who have a same situation as I am and from there I able to discuss and now for it to know more about how they go through by it and from there I gave that relate to my situation to overcome this situation


(mm) okay okay


part two positive experiences okay uh so


describe a time when you got appreciated for your hard work


alright okay ah I see


oh I see I see oh okay, me ah uh my hard work ah my hard work, also same ah I tend to do uh most of the stuff I especially projects uh most of time they won't really appreciate just take you for granted lah yeah but uh


but there's but there's one time they appreciate ah because I do so much, then they happen to notice it lor so they treat me a few drinks ah the time during uh or during break time lor so that's a good thing ah it's just the hard work lah


so so then do you have any uh perfect day you can describe of ah


I see


oh I see I see, oh so to so is to fulfill the entire agenda in the day right there's a perfect day correct, okay okay so, uh for my perfect day ah my perfect day I, more of like uh able to do something that has meaning behind everything lah so for me it's not about are going according to routine ah mine is according to a how meaningful these these particular activity will bring will


uh contribute uh as a perfect perfect day for me so for example uh my current perfect day is to uh hit a certain amount of target ah, and after that and at the same time able to make sure there's a someone appreciated our I got appreciated for a certain experience ah


so for for this examples like grabfood driver I deliver the food and every everytime deliver the food I'll make sure the customer is satisfied with my service and and uh also get appreciated for my hard work also ah so sometimes they will bring me a drink sometime also tip me ah


this that's something like a perfect day for me lor, ya ya good oh, (mmhmm) (mmhmm) oh ya already ah oh


(mmhmm) I see , the best memories are travels ah talking about travel I think I can describe a day


where I was at Harbin lor, that time I went there and then I then I was like my first time experience the real winter ah winter really go below twenty degrees a negative twenty degrees celsius ah, so it's really cold ah so always on the uh winter clothes ah everytime so there's no chance for me to open my winter clothes lor


then another thing is uh during the trip uh a very nice thing to see is the snow and the a snow city ah everything where all the buildings are crafted in ice structures ah quite nice to see ah it's really at night so they are decorated in this decorative colors ah looks very beautiful like a wonderland lor


ya so what about you, ya of course ah after the Wuhan virus ah , , okay


!wah! (mmhmm)


!wah! okay oh


, I see I see , !wah!


oh okay okay (mmhmm), oh


[orh] ya sounds very cruel ,


biggest reward ah uh my biggest reward was something more of a external thing ah so I I I I received uh my first uh how to say ah, my my my first very nice audio piece ah she is a the the flagship from Sony ah for my hard work that time lor


ya you know the lamen is more of like your how how uh parents I mean I mean not all parents will what discount at discount give up cause I was the one requested for years or they try their best to give me ah, so I I actually did certain target ah so they ah they awarded me this this uh this award to me ah


ya ya, but some some ah some other some other families they may they may give uh something else ah so depends on parents lor


(mmhmm), !wow! okay (mmhmm) okay, !wah!


!wah!


!wah! how much ah how much the cost ah how much of cost ah if you, during classroom !wah! a lot, !wah! !wah!


fuck, !wah!


ya correct ah correct oh oh okay


oh nice nice ah so so so you must be quite expensive meal right


I see, okay okay but but quite nice ah


experience ah so I think I could say is something that has challenge to it lor ya challenge whereby I tested my my abilities on it lah so for that I think I would say about is


related to education ah my studies lor so sometimes uh, when I'm have this uh certain of level of uh expertise are arranged in and then either when I find myself stuck whereby I find that I


cannot improve any further so starts when someone able to challenge me and bring me to greater heights ah that that's how I got my adrenaline rush ah, , so uh so what about you about about adrenaline rush to yourself


oh !wow!


although the pissed the pissed mood right


oh oh !wah!, ya lightweight lightweight come on lightweight lightweight , oh


that sounds good ah sounds very exciting ya okay, what amaze me ah , amaze me something that never have happened with me happened to me before something not or can not the I mean something that I don't see everyday ah so what amazes me is uh


(hmm) let me think ah I think there was a time, that uh in singapore ah uh I saw this uh very nice bike ah very heavy bike also but this guy uh know do a lot of stunt like the stunt !wah! Siao one ya


crazy, ah like ya motorbike motorbike ya he he was travelling I was cannot say speeding ya kind of speeding lor, while doing wheelie as in down the expressway ah that's something amaze me something so heavy that can able to pull off that kind of stunt also quite amaze me but of course ah you know it breaks the laws lor ya so what about yourself what what what amaze you


(mmhmm) (mmhmm), oh I see I see (mmhmm) (mmhmm) oh


I see sound sounds good okay, so so uh during this uh this uh this pandemic thingy hor and have you happen to feel down


do you happen to feel down but at the same time you you don't don't want to let this kind of feeling uh be be the best of you so how do you be optimistic about the near future or during this kind of crisis, (mmhmm)


I see I see I see


oh okay


I see oh okay okay oh, uh sound sounds okay ah sounds not too bad ah quite uh for me ah


I I'm a little bit of a, not so positive sign so recently I'm not really that positive of myself also ah but I'm still, I'm doing my best to be positive ah especially this kind of, this kind of period lor so ah during this period I tend to read more of those uh life how to say ah life experiences uh experience by people through books ah


so so I read about people how people went through about their own different challenges in life ah so there's one example whereby this lady ah was uh, caught up with uh multiple issues at the same time so for example


her family then her husband was cheating on uh cheating on her and then her job was on, on the verge of being you know being fired or something you know so so despite all this kind of challenges she never gave up lor showing uh showing hope lor by going on


uh making each day uh the best err she could be ah so eventually her this kind of positive attitude was uh recognized by someone who is from another company ah and offer her a lot of stuff like a job stability and some uh


upfront uh cash relief for her to pay off all the necessary loans and all the necessary essential ah, items to let her get through the day ah so so I so from there I believe that if I ever do my best uh someday it'll be recognised by someone eventually may be award by some other so that's that's why I that's what made me a little a positive about the near future


ya , ya is a book ah ya is a book ah, uh I can't remember it it was a a book but it was a loan book ah it it was loaned quite some time ago ah but but I still can remember the topic


ya ya ya (ppl) okay


okay I start ya okay for savings account


okay, I have got, DBS and OCBC actually both, interest rate sucks lah


at this moment it's those normal account yeah how about yourself


for me I'm not using those because I find the the criteria err very troublesome lah , some don't meet uh ya, minimise right the the the


I have if I have investment in robo advisor


ya so , that those are like , higher risk lah but higher risk higher returns also, how about yourself


yup correct correct correct


same lah likewise for me I also have stashaway and I think uh is doing well now after after a a big plunge earlier due to COVID but now it's doing relatively well


so gone


oh no for mine I'm still at loss I mean uh still losing but it's bouncing back lah so I'm not worried


yup agree, oh okay


no I didn't didn't know about it, sure sure


I think is the management fee uh, I think you need to tap your phone five minutes, think you need to tap your phone


just make sure that it's still running, I move on to the next one lah ha, so do you have credit card debit card


so we continue so I was asking do you have credit or debit card, and


I have uh credit card not debit card though maybe I have a debit card lah but I just don't know the number, the pin per se, I don't use, I've never used the debit facility before


what I have one hand ah what I have , cashflo OCBC cashflo I have


POSB everyday card those very normal cards lah, ya, whether you should sign up ah I I don't know I think they are just normal you might uh already have them


if you are looking at these right I think you should look at the citibank , I think they call it the cashback card or something that one specifically for these three categories which is err petrol


groceries and dining, ya that one would make sense to you lah if you are specifically looking for, for, rebates or discounts within these three category ya


I think it's called cashback ya go check it out ya


think is the cashflo card I don't have the three six ya that one uh, the cashflo card is good when I need to pay like , big big , pay for big ticket


items lah err, it will automatically be converted to a six six six month instalment, for the amount that I I swiped and err I get a one per cent cashback or rather cash rebate lah if the amount is above one K


ya so that's that works for me ah because I need to pay for my daughter's school fees, they split up the , the uh the quantum, and uh I get some rebates back ah so it works for me yup


okay I think we move on to the next question do you think couple should combine their finances and open a joint account, sure


at this point do you have a joint account, uh okay for me err I've I've been wanting to open but haven't gone on to open yet don't know why has been dragging, agree on the trust part and I think the commitment it it shows certain level of commitment when you put money together and and grow it together


right, sure sure


sure, okay, err see ah, what they are asking at what age should a child be given an ATM card to manage their own bank account, and if your child has a bank account share your experience and the details


maybe this one I shared lah ha at what age a child should have should be given an ATM card ah I think for my kids right they started having ATM cards at the age of, thirteen, is it thirteen ya basically when they are legally


eligible lor to apply from the bank, I think it make sense for them to have ATM cards because err you know there are times when they need money and then , we can't like uh physically pass it on to them immediately so we can actually rely on uh bank transfer


and uh they can access it through drawing from ATM lah, which is helpful because there will be times when you know err it's like, they may need certain money lah be it you know in their teenage years they can actually go visit the doctors themselves the can actually go to the barber themselves so these are times when we you know we can uh just transfer the money over to them for them to independently carry out certain task lah


so to me I think it make sense


sure, sure okay cashback points or miles which type of credit cards do you think people should be using


what do you use cashback or miles, you don't have credit card, oh (hmm) uh


okay for me I'm on cashback lah because for me I find miles I think I don't spend enough lah to have to to qualify for enough miles in exchange for anything so, cashback still works for me now


okay then , what is your experience of purchasing insurance products from banks if you have any, have you purchase insurance products from banks before


right


right you lost money I suppose, right


right, actually I have the same experience leh and it's also at OCBC sadly I think there's some link there I don't know ya also at OCBC I think I I was uh coax to actually sign up for something and uh it sounded good and I signed up


but eventually I realised that err I was losing, money ah I remember vaguely ah vaguely I think it's supposed to be some guaranteed returns or something err guaranteed returns uh capital guaranteed something like that but then and it eventually after


err been in it for like a year or two I receive statement showing that there are losses so I went to pursue the matter and uh eventually they refunded me my money lah in full lah but then of course uh there's the opportunity cost because err the money that I invested


there per se if I had put it elsewhere for a good two years I would have yield yielded, at the very very minimal maybe a couple of dollars even in your basic err you know bread I mean your basic err bank account but for that I only got back my capital lah but at least that was better than losing


money lah, ya so ya so I I picked up the case with , I actually escalated it all the way up lah and then yeah I I don't know how uh how what they did uh basically ran some investigation and realise yeah it was err uh uh misleading you know uh force selling or whatever not and then they refunded me lah I remember


(mmhmm) gosh


think we were still young then lah but maybe for me I I'm I'm very firm lah so I don't take like I mean if it's forced selling is forced selling if it's misleading is misleading I will just shoot it all the way up and make sure something is done lah I I am not the kind who will suffer in silence kind


uh ah ya, lemon law and whatever law lah [orh] lehman brothers


sure sure eh okay back to this question do you have high yield bank account just now you were saying you have that err multiplier is that considered high yield


perhaps it is lah ha because it's higher than your normal zero point four one two five per cent


understand, understand so far right you think it's working well


right right


which is super low low yield, right right are you planning to pump more inside stashaway then, that's really had much higher yield but higher yield higher risk also lah


right right right, for me I think I'm moderate risk lah, for me I I I don't mind taking a bit more risk ya, cause maybe maybe maybe [orh] because of age


(ppl) and spend too much time putting in low low yield ya


negative experiences ya


what situation will wants to change your plans against your will ah err, do you have any , no lah not that will per se uh the will like


okay never mind we move to the next because I can't think of any to describe a the moment when you feel like the world is against you


time when I feel like the world is against me ah , I think it was when, okay lah it wasn't I didn't feel like the world was against me I've but I just felt like


life was very tough, it was when I had my first child, financially not ready was still very young err financially not ready mentally not ready everything not ready but the child is already there I have to


I have to I've to, just carry on with life and err bring her up lah and err I felt that err it was really really difficult because err while my friends were all still, playing having fun I was stuck at home err with a child who's always crying who's always cranky who needs my attention twenty four seven who doesn't sleep who doesn't eat well


everything was just so, so different from what I thought a baby should be ya , to say the very least she wasn't even cute to me because uh she was, so so so difficult she made my life so so so difficult ya


yeah I sort of like hated my life then ya but I've no choice I have to I have the responsibility to bring her up since uh I brought her to the world ya so so that that was , to this day lah I still remember lah ya having a child when you're not ready don't go for it yeah that's that's what I think lah


right, ya I will be too I will be demoralised too


I can only say, well move on lah don't don't think I mean don't take that to heart lah because you only make yourself miserable if you keep thinking about that


sure sure, if you are going to die tomorrow what are your last words to your loved ones


cannot laugh sorry eh cannot laugh leh hello, but last words ya what what would be your last words to your loved ones


okay, mine would be mine would be


live a good life lah even without me, ya, okay


right right


just seeing them cry makes you sad lah, you just don't want them to be saddened lah, okay, describe a time when you were heartbroken, were was was there any time when you were heartbroken


share, right right


alright, myself ah a time when I was heartbroken ah I think was when being wronged for by my mum ah, ya err she misunderstood something


sure sure


so we were talking about break up with girlfriend lah, okay for myself ya I was saying err when I was misunderstood by my mum lor, over some money matters that was a good


eighteen years ago and uh I still feel very very sore about it, ya cause I I I don't like being being wronged , and I I I I it takes me a long time or probably I will never get over it when I'm wronged


ya, so I'm still quite sore about it, sure describe a time when you were, when you felt betrayed


felt betrayed, mine was err maybe I share first, mine was err uh I helped I helped a friend


out of really out of goodwill lah, err she has a she has a colleague lah, then I help her you know , she she had a big fight with her husband, and then err it was pretty serious then because she's a malaysian


she does not have family in singapore so I actually offered my home for her to move into err you know while she sort things out with her husband lah so I helped her you know without , with no qualms at all but then eventually you know at work because we were sales people mah so we were it's all about targets and everything so we work as a team


err but as a team we have a team target so when it came to the target planning for the new fiscal year I remember she actually wanted to push more targets to me, so that it was easier for it will be easier for her to meet her sales targets the for the next year which means it would be more difficult for me lah and naturally for sales people when you meet your targets you get your commission you don't meet targets you don't get your commission so who won't want an


easy target right so she she she she fought for an easy target for herself, and err higher target for me and err I felt I felt I felt really betrayed because when she was in need of help I helped her


no questions asked you know no questions asked nothing I didn't just told her I have a spare room just move in you know err I didn't charge her a single cent, everything was, laid out on the table for her she just


came and then ya, use and took lah I I would say took lah and err but eventually you know over over uh, work over money at the end of the day is still money because it's commission err she did that to me I I felt really betrayed


err also because of the fact that I mean, she she she didn't really have a family to support it was just herself and her husband her husband could very well support himself and she didn't have a family per se like myself I have children to support but she could still do that lah I really felt very betrayed ya


I mean I don't need her to be grateful but at least don't do that lah right yeah, not very nice lah leaves a very very very sour aftertaste, ya how about yourself


okay, what's err next question you want to actually talk about


most embarrassing moment ah, I don't know maybe farting in front of a crowd, I think so err


ya I cannot really recall but if I do recall I think it could be one of those instances lah how about yourself, right


tap phone tap phone


but it tore lah


oh you mean in at work nobody tell you


can don't care about laugh at right right right


now that uh you talk about this is not my own personal experience but there was once I actually saw a lady err at a shopping mall right, she was wearing a puffy skirt, and her skirt was actually tucked inside her panties


ya so her butt was expose everything was exposed then I I was wondering how that could have happen then I realised there was once I was at the ladies also I was also wearing puffy skirt then I remember err I think my skirt was also stuck


inside the panty but I had to make an effort to actually pull it out so I reckon that was what happened she just put on her , panty lah just pull up and then didn't realise that you know the the the skirt was still, was was actually been tucked in between so err after seeing that


that's why right I always remind myself every time, err if I wear a skirt I will always pull and check first likewise let when I'm wearing a skirt and up on escalator or standing near the edge of say like shopping malls you know usually the railing area is just glass panel or even no panels or whatever


I will always remember to actually pull my skirt or actually press it, to protect my modesty that's something I I I always remind myself to do because I've seen all these before, and I I find it very err embarrassing and awful lah if it were to happen to me


yup okay I can no longer see the prompt can you see the prompt if you can you okay it's on it's back


describe a moment where you felt that you were uh treated unfairly


I thought you'll gonna say they give you less dishes like less Liao because you so skinny mah so they will think don't need to eat so much


basically #suka suka# lah right , for me a moment where I felt treated unfairly, probably at work, you know uh at work there's always all this thing about uh favouritism


I mean it's real lah let's face it, human favouritism is real don't say it doesn't exist it does exist lah so yeah I've I've err face err unfair treatment at workplaces before, but


I very much put it behind me lah don't really want to think about it anymore, okay what dreams of yours die a little with each passing day


dreams that die a little with each passing day, maybe I can start for me maybe it's the dream of


of owning a business of being a successful business person, err yeah I used to have this dream in fact err I've actually tried, to materialise this dream before I've started a business before, uh it didn't go well


still hopeful, but as time goes by I think , that dream starts to die off also because err, err think it's just really difficult to manage a business in singapore


uh the overheads the rental everything is just crazy err whatever you make probably will go back to paying your overheads lah so it just doesn't make sense so that, kind of like that dream of mine kind of like die


err a little every single uh uh with each passing day lah, how about for yourself


yup, understand, alright err what keeps you awake at night, what


sorry, supper, I think what they trying to say, ya like what worries you that keeps you awake


oh I actually normally don't have a good night's sleep because


one thing I breastfeed my baby and till date till day he still wakes up, for feeds every two to three hours, so I cannot really , err sleep lah I can't I basically my I I'm I'm now a light sleeper because of that then other than that ya I think a lot of activities during the day on my mobile keeps me awake at night


describe a time when you were helped I, don't have something right away you have something you share first


right right


good good time for me to think time when you were helped by someone in your time of need ah


okay err describe a time when you were helped by someone in your time of need ah, actually mine is, not someone someone per se but I would say is more, supernatural leh it's


god yeah I think he helped me during err, an important phase of my life , ya basically I needed some some evidences err for some court proceedings and somehow he produced that for me in the form of emails


ya so to me the someone is actually god, ya okay next we move on lah ah, what was the best meal you've ever had, KFC


okay that's like quite easy to satisfy lah KFC


right what was the best meal I've ever had, the best meal I've ever had ah , I think my best meal is not specific as to what I had have but more the company


I enjoy having meals with my family lah so any meals with my family to me is, err considerably the best meal ya, what's the best surprise or gift you have ever given someone, eh tap tap tap your phone uh


so what did you do, ya


what is the best surprise or gift, actually I'm not a surprised person lah maybe I'm just not romantic, I'm not not very into giving surprises I I suck at that ya so actually strictly speaking I don't think I've ever given anyone any surprise leh


best surprise best gift ah


I think it was when my daughter was performing in school she didn't expect me to get her a bouquet but I did, and I think that brightened her day


ya just that lah but but honestly speaking, that idea didn't come from me my sister suggested that I do it lah like I say lah I'm not a surprise person lah I'm not I'm not I I suck at this area lah so ya it was actually my sis who suggest that I do it yeah and I did it and uh !wow! she was happy my daughter was happy ya


sure sure


sure okay, move on ah moving on describe a time okay describe a time when you can't wait to attend a special event or concert any such time, right right right


right right okay, for me ya I also went to jay Chou uh it was also uh were the first time I


actually paid so much to attend a concert , it was, three hundred plus eh three three three seven eight or something, till today I still cannot believe that I paid so much for the concert tickets but ya I paid I went and that's it ya err quite an experience


something very different I must say, err but if you ask me whether I'll pay again to attend a concert, I'll I I would say I'll think again lah because it's really very pricey, ya


ya lah so otherwise you'll be really Suaku lah , okay err shall we move on, describe a time when you laugh too hard laugh too hard ah, laugh too hard


is it is there any time when you actually think you you laughed too hard, that means


#xiao bao# lah , #xiao dao bao# lah, really


tap your phone err okay


a time when I laughed too hard ah err, when I laughed too hard, laughed too hard ah, actually I laugh all the time ah because I I joke about things all the time so a particular time when I laugh too hard I I would I can't recall any


okay maybe we maybe move to the next one describe a time when you took a risk and was rewarded with success, okay you can go ahead ya


ah okay, right, err for me a time when I took a risk and was rewarded with success, I'll say


getting a place of my own when I was pretty young, so now I have a roof over my head lah, that's almost mine that is almost fully paid so ya that's my risk and my success ah


right you can say that lah because bought long time ago it that means it's cheaper also, ya, in the post COVID world who or what are you really, thankful of or appreciative towards post COVID world ah that means now what are you now thankful or appreciative towards maybe I can start


I'm thankful that , everyone in my family, err are still safe, no one is , affected too badly by COVID


at least in terms of health everyone is still safe and appreciative towards, our healthcare system, err also, quite appreciative towards our government, who has I must say been doing a good job at


at helping lah uh singaporeans combat the adverse effects of the virus, ya how about yourself


sure


sure sure, okay err, share a funny inside joke that you and your group of friends still laugh about till this day err actually is about my friend celine


uh we used to be colleagues so, there was one day I was complaining, to her about my son uh peeing on the lid of the toilet toilet , the toilet lah the toilet cover the the pilot lid lah


toilet seat rather, ya so I was telling her I mean we spoke in mandarin I was telling her !aiya! my son ah #xiao bian# don't know how to, uh don't know how to #kai gai#, so she was like !huh! you mean Kuku bird has a Gai


I was like what, is the Gai that I was referring to is obviously the toilet toilet bowl lid lah the toilet seat lid and not the, not the not the lid on the


not the penis lah ya so I was like, !hey! you really so so innocent meh ya so that one still gets me laughing till this day, ya, tap tap tap


book far of him lah, right right


okay, (mmhmm) what are the things that you most look forward to when the pandemic ends, what do you look most look forward to doing or


you know when when uh COVID nineteen ends maybe when there's a and there's err vaccine, what do you most look forward to likewise uh I also look forward to travelling


I think this pandemic also reminds us lah that there may be another another virus that may just, just uh emerge out of nowhere anytime, ya


that can could, that may well be, even more , how should I put it, err even more, deadly lah than this COVID nineteen I mean this COVID nineteen spreads really fast but


is not, really deadly per se lah, but you never know there may be another virus that may come up, anytime soon , that maybe even more deadly and even more


contagious so yeah it seems like travelling at this point even after the pandemic ends is like , maybe last time lah we are so used to just travelling without thinking cause it's generally considered safe to travel


you know , but now I think err I have to rethink lah when I think of travel I think a lot of , thoughts a lot of a lot more thoughts have to be put in lah, ya, so used to travelling last time in err very safely


never ever thought that it could actually, carry risk lah, but with this pandemic it really reminds me that !hey! actually travelling does carry its risk lah, eh sorry , moderator I've forgot your name uh I realised that my recording stopped


time when you experience personal growth personal growth you wanna start


personal growth ah I think I experienced personal growth when I was , working in a in a big company lah err before that I was working in small company only when I started working at the company did I really


experience personal growth it because (uh) over there is like (err) either you grow or you die [lah] ya that's that


because I have err quite a few so err just want share lah what kind of saving account of course everyone will have everyone will has a saving account like


uh with all the even bank POSB and OCBC but what matter to us is actually err, err interest rate I think so for you uh which bank account you have and and, and we want to share which one have the best interest rate so far


of course of course but uh uh okay so is a normal saving account or or is it something like uh DBS multiplier which is uh


ya okay I I think OCBC they have something special like uh OCBC three six five, I I myself I have err DBS err multiplier which is I think you have to fulfill three component the income uh contribution uh investment and the other one will be I I forget which is I


think the overall interest is still err contributed I mean uh the interest rate will be up up to two per cent, still better than the normal err, saving account rate ya so you you you can actually consider for for DBS and OCBC both have the same same kind of err


special saving account, okay understand ya ya you have to strictly follow the three three uh criteria in order to to


like just like so other than err err err mean for this saving account what what do you err what other investment or finance uh instrument you have to, !wah! cool cool and more


ya so ah I I have, so also stashaway is one of the uh the instrument I having now just that uh err, I agree with you stashaway err it have it own risks but we still enjoy err a higher interest rate the the the interest rate we are looking


I mean the return we are looking at is like five per cent six per cent and I think the best part is that we actually adjust the risk, uh a bit tight ya is also


ya ya I have I have the same experience because uh I think for the past two to three month, uh is really sucks when, is a whole bucket just went down eh it cost our return just to go on in err I mean the return I I have a return about


few three hundred dollar but over these two to three months the the return, ya for it it that I mean this kind of feeling is sucks but uh, but thank thankful that err, it managed to bounce back eh at the moment I I not sure whether


uh for you, ya so I think for long long term long term run it should be a good instrument a good vehicle for us to continue to pump our money in and


and uh, for wealth accumulation ah , ya I I think the best part is uh I think that the promotion that uh if you sign up a new account and with err shopback, via shopback you you have a thirty dollar credit


ya so so uh look good look look out for it I I think this is worthwhile because ya, when you sign up a new account maybe you get a uh thirty dollar


ya so for your family your friends and so on you even you can do some, you can refer them, you entitle to the uh, one, is it interest free


ya and ah ah ya it's a six month err waiver of management fee, uh it, where we send, okay


ya any type of credit card not so ya I I, ya I uh I have both err actually I quite hesitant to sign up for credit card cause I just scared that uh I will burst my credit card


oh okay okay okay I also I think for quite a long time you didn't use your debit card


okay so so which what are what are the credit card, uh you have on hand and and, do you do you think I should sign up for


okay, [orh] I I I think I think because mainly I I'm using uh, I I looking for card that uh actually will bring me uh


discount for uh, uh pumping petrol grocery and oh of course uh even uh F&B so so do you think is uh POSB


okay okay that's good that's good you you you were saying that citibank


cashback card okay ya ya will do a study, okay that's good that's good !wah! you you and and you have two other card OCBC cashflo and three six five card you were saying


okay okay can what what's your experience for that for for for the cashflo you


okay


I think one per cent is the attractive part because normally err the bank actually offer you err repay is err repayment plan up to one year without any interest uh


interest fee uh I think for them to, cash give you a cashback of one per cent I think that that's attractive ah


ya for me ya I think yes it should because uh the thing is that err of course for for the sake of


monitoring and also err another part is that when couple open account actually, it show that they are, confident, and and and and and and, trust lah I mean trust ah trust is a important key ah, ya


ya how about you yes I have have


ya because the transparent transparency is , is the is another I mean key that uh the couple will have because err like I say uh like you mentioned that err both of them will have a target a plan because of the transparency itself


then they will have a rough gauge with how much they have in the bank account how much more they need to work, who was it, so so I I think is a is a good move lah for couple to, but of course of course uh that there are different


account out there to to sign up for especially there are they have uh is uh investment linked products and so on


ya


ya I I think for for ATM card I I think they should have err they should sign up for the, the the the master and uh, the visa, visa card because because they they actually have a you can access to those uh, err how to call it


contactless payment, example you go to mcdonald you no need have cash then you can use the, ya so


I don't have credit card yeah I'm looking to sign up, the the the the debit debit card which I have on hand now do not have the cashback


okay okay okay, yup


ya I did err I did act actually I mean, when I was young like uh at the age of uh sixteen or, seventeen actually I went to this uh OCBC bank to to, wanted to sign up the saving account, with my my parents we end up we are we have been


persuade to sign up a investment linked product, then we we don't even know what's an investment linked product about we are just been, we are just been we we are been we uh the the the only thing we know is that uh we have a good return that's it


I I I have a very bad experience, ya exactly so, err uh lost money is one component the other thing is that we need a long, term long term err horizon to break even long term in the sense that uh


twenty years right so , it is a very bad experience lah then and and and, err I think ya how about yourself


what you say


!wah! okay that's very lucky you're lucky to have a refund, err uh from the bank at all mine is like, I invested about err, about about fourteen thousand and and and with the


point of like err I lost about, err seven thousand plus, ya so is err at the point is, about, eleven years, it quite quite a then, I've no choice I mean at that time itself err


I, I've no chance to pull out from it so I'll say we need to do our due due diligent lah I mean


I I got it got it ya, err there there's a lot of these uh mis selling that's why this uh lehman brother, I mean lehman brother products, ah lehman brother the the investment lehman brothers I mean they cause a lot of uh this uh mis selling it started the other purpose


and the whole market to fall


ah ah ah ya so so so I I I think this is a err ya so so she I think need is uh uh, high yield account ya but


as as as we shared just now we need to contribute we need to have the three component, fulfilled, then you can enjoy the, high interest rate it will be prorated upon


ya uh I think is err it's working well because I'm contributing my his salary regularly, and uh also my, uh investment I I'm doing regular investment via this, it actually


applicable applicable to me and err err, is useful to me lah because I don't I'm, I myself before that I actually park all my money inside the saving account so


yes there's no point and it it just uh, don't make sense lah, ya for me I I I'm a low risk taker so for for my my saving account uh I have like


twenty per cent twenty per cent of my saving is put inside, that's a way oh so err I will still consider to put some more


ah, err the first one uh recalling


recall recall a situation situation when you're forced to change your plans against your will


no no I mean, till now I've not set my will, ya understand understand


ya, for myself I I I think err, there's there's a moment when , I was preparing my project which is err, bill and err, is meant for all my teammate, so when I send err after all the discussion with them and so on I send out to my boss and so on they they actually


wrote negative uh things about it and and and, actually, make me feel very betrayed and, and I feel so demoralised after putting so much effort in the project and end of the day itself after so much discussion and and and effort


they did not support me and, and they choose to, make negative comment and and really put me down in front of my my superior that's when I I I think that, that the, the the world is uh against against me and at that point I really


err feel very demoralised ya, yeah oh , this is part and parcel of our work life


uh I mean the work working experience the for the world so ya


oh ya we have to move on why don't you we to put in our, effort ban I mean best effort and contribute lah to company it is to


come and eat KFC with me, yeah, what your last word to your loved one


I think, there's a lot leh cause, think the, the entire I sure I cannot finish, ya go ahead


ya, I I think for mine is , don't cry lah , is easy to say but err I did I think I think that's that's the best don't cry because


when why don't I mean when someone die of course, your loved one will definitely cry, you you did feel sad about this and, to them I just don't want to don't want them to cry lah it not because that


ya, ya ya, exactly


yes cause heartbroken , wake up, break up with my girlfriend ya during my poly time ya, so it's not say is very common lah is a is a experience that you need to go through uh not not say necessary to go through the is a


is the the journey that we need to go through and and learn to overcome, ya


wait can you can you excuse me excuse me one minute ah


ya ya


ya, I mean it's not fair to you lah


ah instead of being grateful lah ya you should should you should


no I I don't have, I'm thankful lah cause I don't have this uh, actually don't have this uh this kind of experience


what is your most embarrassing, moment, okay okay


ya I I, I think because I have a jeans which I I love it so much when


you I still wear the jeans when there's a minor hole, hi oh ya ya I tapping phone, so during this special day itself I just wear this jeans to office


and unfortunately during the, during my stay in office I I did a lot of this err uh physical job which I need to squat down run around errands and so on then but I I don't feel any Piak or or or a big hole behind my, ya it it simply just tore and and is tore is not


a little a little, it not the the hole is so big when I only found out that the the entire, entire , is a big hole at at the at the ass area


!wah! really really so #xia suay# when I when I reach home then I found out so, nobody told me at all and and and that that day itself I I didn't drive I took the public transport, all the way uh uh my workplace at #toa payoh# all the way to back to uh uh my my home !wah!


the entire journey no one told me that was so it's oh, embarrassing, yeah oh I I don't know and the best part is I wearing a uh black colour under undergarment so it's really very contrast


when from far you definitely sees eh how come a blue jeans come with something black


understand


yeah is I mean of course for for woman is really embarrassing cause, uh is uh, you your modest is with regarding your modesty, ya, no I can't ya


ya wait let's see, ya


I think I think err err is very common cause, when I order my #cai fan#, err at a chinese stall and so on look usually some time when it's very cons, that's


I mean there's a incident that I order the same dish as, the person behind me, ya I were charged uh higher than err, the the the one the one who order after me so I I I really think that it's real it's really unfair it's not because


uh he more handsome than me and yeah and the cost, of his uh dishes is uh cheaper I think, this is one special moment that uh I think I have been treated badly


no it is it's the opposite way they charge me even higher oh dishes they give me really is almost the same Fan, I think they there's no system, of uh of calculating the dishes and so on is, it just too much and and and


happy #suka suka# right ya


Chim leh this one !wah! okay err


ya go ahead


ya, I think I I dream to become a to be a first, soccer star ya david beckham were david beckham was my idol ya so uh


unfortunately I I didn't I didn't I didn't have the cut I can't bend it bend I can't bend it like him, ya so, err as as you know soccer player as they age, they they they are running out of stamina and they won't be so skillful as they were they were young skillful ya it is uh


ya, awake, you mean , supper, supper


yeah uh what keep me awake at night, sleepless night , I I think the the stressful stressful moment of uh


uh having too much uh workload, and the type, uh deadline actually keep me awake at night unable like keep thinking I'm the and and and, unable to sleep, to have a proper sleep lah I mean


ya other than that , I'm I'm I'm good I have a a good night sleep because ya, how about yourself


you want to share first I, ya I I I I think, for for mine is for uh I was when I, apply for my university private university the


tuition fee is about uh nearly about thirty thousand so back then because , my family is facing some as financial difficulty that's when my my uncle came in and, helped me with the tuition fee which is he he give me a lump sum of uh


twenty thousand and the ten thousand is I is uh I work and and save up, so I I think he's err he's a helper when I really need this kind of help, during that time, yeah so this err the as this is a experience that I really appreciate


err because he he he didn't really hesitate he just err agree to help out help me out, I approach him so I think is a nice, gesture lah and and despite we don't have really have a very close relationship


uh is a positive experience lah and and and till date I still feel very grateful to him and err, I'm able to complete my, university study uh with without his help I I won't be who I am today


okay


ya KFC ya err, why KFC I mean amongst so many crispy chicken, mcdonald's and what other chicken


ya I mean sorry I I off the topic yeah okay I think KFC, is still the best meal I, I've ever have cause my mother my my my wife can't even cook such a good, fried chicken so, because personally I like


fried chicken so KFC's is the best out of the best, so so ya KFC is the best


!wah!, a lot leh ya ya tap tap tap think every uh thirty second


ya what what's the best surprise ah uh or gift ever give someone ya I mean is a very is a common question lah cuz for for guys, I think the best surprise is, uh proposal to your, spouse ah cause it had to be


the best surprise ah if not, the opposite party will not, say okay or say I mean say yes to you if you do too uh too lousy then good luck to you ya, ya uh uh uh I actually prepare a surprise lah surprise to my wife lah ya so uh uh


is simple but uh uh at least is something, I mean out from the bottom of my heart, so so she feel it and and I'm thankful that accept it and and say yes lor, gift


a gift like err uh christmas present birthday gift to your friends or your child, ya ya I mean the best gift is uh I mean, let's say your child you give him some uh his you give him his favourite toy and give you a very delight delightful smile


ya ya then that that that that's a the best


it it doesn't really matter whether you are what kind of person just that uh, if someone suggest suggest, to you or initiate to you uh it it still depend on there's uh whether you you have the effort to, to do it and and the opposite party I mean your your whoever receive it uh will definitely feel uh uh thankful lah it it ya


ya jay Chou jay Chou this year this year jay Chou, where's that at national stadium that's why


why why is he so special because, and I can't wait because, I'm so Suaku ah that's my first time attending a big scale concert, uh) [ uh eh thankful to my spouse that, err she gave me the ticket as a anniversary to to celebrate our anniversary so


ya so uh uh uh, is really is really a special occasion that, that's why I can't wait to, attend a concert with her lah I think as yes when, okay


how much is the ticket !wow!


ya I mean I mean it's a good experience lah because I mean for for us living with this, and we have to go to a concert once in our life


err yes laugh too hard , what do you mean by laugh too hard, eh okay okay, are you twenty


usually laugh too hard or or or or, uh feel very happy when trying to make fun of my baby, err he is a very adorable child, not say trying to make fun lah just trying to make him more adorable more cute like ask him to wear some funny cat uh uh wear some funny uh hat on his head err


rock too fat behind him to just to just to, make him more, cute, uh yeah then uh is that actually to make myself err happy lah have


have yeah ya I'm tapping my phone, or other than that I I don't know


of course is a , you wanna share first or I I ya ya I'm, I just want to share a very risky one lah very very very risky because my proposal , ya so uh uh I say proposal is err is uh


is a very is a big surprise but it come with, high risk the high risk, is opposite party might say no and you #sia suay# really #sia suay# uh ya so so err but somehow I still took the risk lah and and plan everything gives her the best surprise and


and rewarded with a success so what's the success the success is a word ah yes to the proposal, ya so, so that's the special event that I took a risk


oh !wow! that that's a a a investment investment that I


really you


ya, I and I thankful that all my


my immediate family member know I mean, all my family member uh uh uh friends are not affected uh not being err, didn't catch the virus and so on lah so err, it's not by luck lah is by the protection


from god and so on and of course we must give thank gives thank to those uh frontline worker because they really sacrifice everything to, to, to be at the frontline, to to get, our those infected uh ill and so on without them I think we won't


have the current status now and we'll have a high, infected in high infection rate so far ya, so uh uh thankful thankful that we we are in singapore and uh, our governing system had been doing so well that


even though many of them left uh, are jobless we have the government to come up with new plans new initiatives to help out those uh, needy and jobless we we continue to to move on let's I think I think we need


to be more appreciative and of course give our utmost support, them


okay okay, for me we, ya ya I'm tapping I'm tapping so sorry for me I and my buddy we we tried we always


walk at each other and friend uh have a very bad habit uh joel, he loves to he have a habbit that, he he always wanted to wink his eye, randomly so whenever err


whenever we we we we we talk to him or communicate with him we'll mock at him by just wink our eye, eh ya to to to , ya to make fun of him and so on so until ya we we hope that he can get rid of this bad bad habit uh whenever we see him we just


remind him by winking winking and hope this habit won't go away yeah so so ya it's just scaring


travelling, ya err, why travelling cause uh actually


when the pandemic end, we always think about travelling but, it, it might not be the most safe option because up there I mean uh let's say we go uh travel to a country, there's a chance that, the situation over there is not really recover


and we will have some risk when we travel overseas ya so we have to be very careful about this lah


!wah! err err how let me let me think awhile how about you still start


okay


part one financial related topic, okay we start ya, okay so andy uh do you invest in CPF money


uh man because for me I did not invest in SGX lah cause I invest in through my CPF lah OA and SA account via three uh


so called insurance company ah so the three insurance company is uh prudential AIA and aviva, so for so, for prudential uh and uh AIA I invest in for my ordinary account


savings lah so about now about hundred K so (hmm), so for aviva and uh, in both my OA and SA so about OA is about fifty then my SA is about uh twenty K


so so a total of uh, hundred and fifty K of my OA is currently invest in a CPF investment while for my SA is about fifty K


yes but but, uh ya, no no no


like, bond lah like like those uh really stable kind of stock uh less risk kinda investment


ya and provided provided your bonds or stocks, uh make money lah ya, then they will increase your you know uh CPF investment then you know you can build up your CPF uh you know uh capital ah instead of putting in a


in your current account then you know just wait for the end of the year four percent, kind of thing


okay, like you might you're not uh might uh want to explore into investing your CPF lah through the various uh you know


insurance company [loh] in singapore then, then you know you can make some, provide provided you have not uh you know intend to marry or you know uh purchase house you know so at least at least you invest in a way at least uh


when you fully purchase your first house right they wipe will wipe out all your OA lah so left it zero, then at least during you know hard time and you are you know out of work or unable to work you can use uh transfer back the invested OA that you previously invest then you can transfer to your account at least


every month they can deduct from your CPF lah instead of you know you don't have any C CPF right OA then you need to pay cash every month then very tough ah especially you're not working or you know uh or in future got some uh


uh disability or what, actually


ya actually I sign up from twenty ten, till now ah, ya, yes I mix quite a number of uh you know uh investment lah for the CPF so my CPF is growing lah so


you know , got six six six to six to, six to ten percent lah you know because my my risk uh level is uh not that risky lah so it's on the safe side now


so your return is uh smaller lah right right unless your appetite for investment is very high risk ah then, you will have more uh so called profit when you invest in high risk kind of uh investment lah profile


ya you need to consider inflation also you know every year the inflation is increasing you know then we need to you know uh find out uh creative way on, increasing our so called CPF investment lah CPF


uh for our, next uh you know twenty to thirty years time, oh


ya because uh it's so important lah you know if you intend to


not to purchase house for now at least you can do investment for your own, yes uh


uh stock also uh we are able to, yes uh depend on your profile of the you know of your investment ah if your profile is medium risk high risk may


maybe you can you know they will so called suggest you to invest in the high risk kind of uh stock exchange you know bonds, depend on your profile lah your investment profile they they need to check on you first you know ask you some certain question then you know


they they will so called, depend on your risk profile lah for your investment lah your out profile yeah


okay wait, what is it what's the name ah for that online trading platform


ya I heard but I not did not explore into it lah


not bad ah, ya ya


then from how how long do you invest in you know uh this so called uh US stock all these you start from which year,


ya !wah! so !wah! quite good investment


oh that mean, uh


yeah


ya because some is some very interesting ah cause I have not uh experience uh you know investing besides my reinvesting in the cash lah instead of you know while using my CPF uh


ya


ya ya like like I I understand that you know investment there's no so called guaranteed amount for you to


ya for now we we also need to be tactful lah you know current situation is not not good for this thing


what are the medical stock that good to invest in


oh boy quite interesting ah


then for your investment profile is it on a low risk medium risk or high risk so based on your


yes, ya ya I understand if high risk you know you will you know if you, so called have a lot of profit you know you you will be hungry to invest in more you know stock but if you you know if you loss oh if you big loss then will you know be angry and then uh will regret fully you know why


then do you do


uh then do you engage uh personal broker to manage your fund place so


ya because uh like I say lah we we are the owner so we must be in control of what we want to invest ah not depend on you know the advisor from other party ah


okay


part three negative experiences, ya, so ya so we start with uh what we frustrate of lah ah so like I say you know uh there's a lot of frustration that we face in our daily life


uh you know like our personal and you know and working life [loh], mostly I face my frustration during work lah you know especially uh especially especially, you know uh if I under pressure you know like uh not completed my assignment you know got this uh hiccup that hiccup so I feel very


unhappy and upset lah so because uh if other people did not cooperate you know we will uh so called, make me uh get the make me unable, to so called resolve or you know to to complete my assignment on time lah


ya ya


very well ya


ya because uh this this type of thing is uh quite common for me lah you know I experienced it so like


sometimes when the, the issue does not happen then everybody you know keep quiet and then when somebody bring up or you know we have a customer escalation complain then they start to, jump up and down you know to remind it and you know this problem haven't settle I thought I thought already settle you know some sort like that


pain ah ya, ya


ya then, err, ya because I you know keep people keep on you know saying that they are very busy very busy you know but actually they are not really busy lah they are more to busybody lah uh


uh not not not not really busy busy you know they are busybody busybody not in, uh you know looking for people mistake find fault with people you know instead of yeah


ya because uh you know if we given we given a you know award ah academy award ah for the best actor best actress lah you know I can give to some of them ah in our workplace uh then


because you know they they are very good actors and actress lah you know, and they know when to appear and when to you know, show their show their disappear and show their stuff lah you know they are there but actually you know they just take attendance ah so called you know


ya because uh you know finding fault or you know finding people mistake does not resolve the problem ah they just want to divert divert the problem so they will not pick up the bomb and throw the, the bomb to another person lah


ya I can see that lah, the problem


ya cause like like I say lah you know he want to show our bosses or the mid management or top management oh they're very, knowledgeable you know they they know how to spot problem you know and they know how to throw the problem in in


in the middle of the discussion you know to show that they can see the gap lah, but when when come to ask for solution you know they you know keep quiet, oh


ya because uh like I say lah this one you know all this type of uh frustration I've been enduring for the past six years uh in the company then I've been a lot of patient you know to


have your to to put up with all of this uh kind of uh, tactics lah or you know kind of uh sly kind of uh, issues ya


uh, uh cause uh, uh like I say lah you know you, if we can't can't, can do nothing about it you know we we we will feel frustrate lah you know they for them they are very easy just throw the the problem and then they leave no


they do not have the sense of responsibility or you know or the sense of uh you know uh togetherness to, resolve or you know when you're at different angle you need to have solution how to overcome the gap ah


ya because uh cause like I say lah you know uh this type of things that you would endure you face quite on a daily basis you know, will make you frustrate even more lah if you can't endure ah then you know it will drive you mad and you know


drive drive, your anger level to a very extreme then you will do something stupid, uh, uh


and uh like my you know my, remedy lah you know uh just uh listen go in the left ear come out the right ear lah, don't you know uh, come in from the left ear then you keep inside your mind then you know you did not remove it on the right ear then


will affect your your anger management and uh you know you will affect your health lah if you put up with this type of uh, situation or issues that you face


ya like I say lah you know uh, this thing that you know if we never do anything right it will affect most of our team members ah


oh, because each organization have such uh people that you know that have this type of character lah


ya because like I said lah this type of uh, uh issues or, personality that you know that causes your morale to be down, and you may have ill feeling with each other and then you have a lot of frustration with


you know with various uh personnel that you know that you think that , this issue could be resolved easily with uh more teamwork but, they keep, on uh you know pressing for


for the issue to be resolved, in a you know a quick manner you know


that's that's why I I tell myself lah you know uh, in order to put up with this type of uh people you know we, need to take it do not take it seriously lah we need to filter what we supposed to hear and what we we need we filter out what we supposed to hear or what will not affect your


body system and you know your health ah especially, so I I I understand you know uh because of this factor you know you sometime you know thinking of uh leaving the organisation as soon as possible ah


cause like like I say lah you know if you think that your future is not in this organisation you know you should, uh make your move you know now you know find a suitable uh workplace or you know uh job scope that suits your personality and your qualification all these


ya then uh you know I mean I understand lah the, the situation right now you know if if you have you know grab the best opportunity you should grab it now lah instead of procrastinating later you know you might regret if I know I take up this offer during that point of time


ya because they think uh you know my bosses can do it why why can't I do so or my senior can, do it why why I cannot do it you know


ya, I could understand your your frustration lah and my frustration too lah you know , ya like I say lah


ya, because for me I not those thing that I you know that I feel that it's negative to me, I will try to filter out for my mental uh point of view lah state of uh you know keeping inside yourself right it will affect your immune system your health your body clock all these so I will


try to filter out as much as possible without affecting your your own health, ya yes


part two positive experiences, K NJ we talk about travelling lah ah, ya so I start first lah ah, but I don't know ya, uh so my most among


all the traveling right the so called my vacation for all of these years I , my most memorable travel is uh I went, to turkey lah in Istanbul so, because uh so turkey first thing you know is a unique country because uh so this turkey is a


between asia region and uh europe lah so they are the gateway to from asia can venture into europe uh region uh so, uh I go to


north asia side Ankara and you know uh europe side in Istanbul lah, yes yes yes


that's why uh I feel uh you know you turkey is a unique country to visit ah then second it's a, muslim country so for me food uh there's no issue lah so is all, halal then uh


next is the you know the scenery of uh turkey very beautiful, and uh then the people over there is very uh cheerful uh very helpful and you know, very courteous then


you know know when uh they asked me uh where are you from when I say from singapore oh they oh singapore like you know, their their eyes uh you know pop up very big ah you know like you know, ya right


that's why when you say that you're singapore !wah! they are very curious oh !whoa! singapore you know I heard you got this you got, when I introduce myself as singaporean you know they they they treat me like a you know like a old friend


ya they you know they you know they they they tell me oh in turkey you need you know in Istanbul you need to be here there you know you need to visit the, blue mosque you need to visit the Hagia sophia you know the so called church they turn into museum now they turn into the mosque [kan]


you know , so I like the you know in turkey they also have uh four season lah like winter summer you know, ,


ya cause I I I at least I can experience you know the four kind of season over there lah, ya, , I've been to in for spring and autumn lah


uh, no no no no no I can't, I cannot wear I cannot take it the uh too cold uh ya so , , snow I've not seen yet lah but maybe about two degree three degree kind I've


not reach the zero degree and below level lah, uh


then you know uh, for turkey you know uh I like the scenery lah you know when when you know when they go to the mountain side and I can see what I cannot see in singapore lah, so uh uh


uh , ya the the the ya the problem is I can see the whole scenery then make my mind very cool very light and very less stressful ah, uh


, ya like uh I'm in a dream like that you know not not not reality uh went over there you know just to chill and you know release some stress from work all this ah with my family


ya my parents ah, then normally those country that we do not you know we do not familiar we engage a tour guide lah


for the


uh ya, cause I I got no choice lah cause when those country that I went for the first time right I need to follow the tours you know then uh when if I like the country you know I I can you know since I have


follow the guided tours right so I know which uh which area I would like to visit again and which area I need


the, venture more lah


I you like hectic I know lah you know you want to be free and easy ah you know


uh that's why you know ya for for me ah if I can given a choice I'd like to have free and easy lah but certain country you know you, ya if


ya accessible and like you know the safety lah you know if you and guided tour maybe they can take care of you more but if you are free and easy in those countries that are not really safe then, know you might you might uh you know


you might need to venture your own then uh nobody go and uh monitor you or, take care of you lah in case you got anything that stuck up during your


then uh how about how about your side uh you know uh which country among all, all these years that you have visited which country is the most uh memorable to you right until now


yes uh


ya , hand sign ah hand sign ah ah


stock ah ah


shrine uh


ya, then how long do you stay in uh japan


, ya like that you can you know you can learn basic japanese to interact with the local


you know to, you know yes ya ya


ya that that's sad lah you know now you know even


#Kobe# beef is it, uh convert to singapore ya


!wah! , ya the the #Kobe# beef you know one of the famous beef ah around the world you know,


it can't ya, uh then uh in, japan mostly you travel by train or by cab or, is it the bullet train is it the bullet train is it


yes, yes


oh okay because uh I heard I heard about you know japan the train uh you know when they stated this, time they say seven thirty PM so the train will be very on time, ya


!wah! so good ah their system they maintain it very well so


(ppl), (ppl) waiting maintenance [sia], (ppl)


part one financial related topic, got start already okay, uh


CPF money ah actually not really we not really ah yeah but I heard you actually can put those CPF money in some certain stocks or something, but I haven't I haven't really uh experimented with that or actually got into that currently lah


ya cause cause currently actually I I do invest but not in CPF money I do invest in uh actually SGX lah SGX uh related stocks ah ya that SGX market lah ya but I I think I don't put I also don't


put that much inside actually just just playing around with the SGX [loh] ya, , oh


oh okay


oh okay, oh okay


I see I see okay cause actually actually these investments are like bonds is it using CPF money to buy like is it bonds or insurances


or something oh more bonds lah okay oh like endowment plan or anything no right, oh


oh so so those kind also will have err if if I'm not wrong they will also have what what's what's that thing called lah , you know the payouts also also have payouts right, like monthly or doing well lah


ah


oh okay okay ya cause actually I I haven't gone into this currently lah haven't haven't thought about going to this ah currently my CPF is only used for, there's a I I have a I think I have a rider plan for my medisave it is like some hospitalisation plan lah so is


err I think every month they take I can't remember how much they take out for every month, but it's a small amount they take out every month from the CPF so like in the event you get hospitalised or what then, uh we actually can uh actually can offset like actually not to say offset lah but your hospitalisation fee will be will be a lot lesser lah will be a lot less actually ya so


ya so actually that's that's what my CPF is used for currently, ya ya uh


oh, oh yeah


ya correct correct so uh actually for your these bonds ah how how many years how many years err


as in these bonds uh how many year plan did you did you actually sign up for previously for most of these most of them should be lasting like ten years or something right, if I'm not wrong, oh so this year is like the tenth year that for the for this particular bond lah oh okay okay


, oh so so like how many what's the what's the percentage return you've gotten so far like a rough percentage like maybe twenty percent oh six percent lah


ah oh six to ten percent ah, ya ya


ya correct correct correct correct, ya uh so actually so actually most of these bonds I think uh it will cover inflation lah definitely lah so like maybe ten years down the road there's inflation of like five to ten percent you actually more or less will cover these kind of things lah uh from what I see


ya ya correct correct,


oh okay ya cause actually honestly speaking I haven't really been tracking the amount in my CPF also lah I don't really yeah I've I haven't really been err really monitoring every month how much goes inside or


or end of the year how much is inside ya so maybe I need to start monitoring a bit on that lah ya


ya can consider lah cause actually I'm not sure if uh actually are you do you know if uh this kind of CPF money can also be used in like the if to purchase stocks or to purchase anything or is just more on the bonds


I think I heard something about I heard something like stocks also can be purchased using the the money inside or something like that, oh


, oh ya ya ya cause okay,


oh then they will they will decide if you can use it is it or something like that, ah, oh okay okay ya okay, ya because actually currently uh I actually invest in a bit in SGX lah in the SGX market lah and a little bit in actually foreign market but it's through err it's through a online trading platform


ya ya, actually you know for the US market you know there's a trading platform called E Toro right, I think you heard of it ya ya


ya actually I use that as a as a platform to to trade in uh some US stocks also lah so far I think I didn't put that much inside maybe less than two thousand, ya I put ya but actually so far I earn I earn err I


actually so far I've earned close to eight hundred USD from there already so far ya ya so actually it's it's quite a quite a huge return from that one lah ya, so, ya when convert back to sing dollar I think is about one K