to complete this ah uh but uh tomorrow every every thursday that we are going out lah so so tomorrow we'll be exploring somewhere, uh uh from she say from what hort park lah harbourfront ah ya ya ya ya we are going to #haw par# villa


, I told her I say ah I say !wah! that was ages man #haw par# villa ah that was ages ya


that err they they uh, uh they they're not they're not they're not ya they are not at all they they are not at all uh ya, so uh how about yourself sorry just now you say you uh your good time with your friends were what what was the memorable time with your friend


!wow! it's only through travel that you know your friends the true face (oo) that's nice that's nice ya, (oo) (oo)


there is a good place to spend , , (hmm) yes


, I see I see yes that's a good that that that's a good time with friends ya so uh for the the, the some some I mean other than being thankful for what uh you know my my mum is with me now and my children uh okay ah I mean they are good girl good


boy uh uh so , uh of course the being thankful that we have a group of friends that we are we are we still can keep in touch and uh and you know at this age you will say that so how how you going to spend your hours now I think we are not say halfway to the coffin lah but at least we won't know what's going on because now illnesses are are anywhere anytime it strikes


right it comes ya ya so we'll we'll say ,


ya but uh uh when we wanted to share with friends about uh especially how to spend the rest of our time there are there are friends who are children are sometime I think because of late marriage ah so sometimes some of their friends are I means uh their their children are still young


so they still uh ya they say can't lah can't like you lah can't uh ya ya there are there are some friends uh who are ya so but the thing is uh, not not say so much of I'm the senior or we have walked so so much more for them but the thing is we will just tell them to balance out their work life because uh young children ya


I mean you you you need to look after yourself well so that you have a longer time spending with your, with your with your children and then of course there are also some some friends who are senior than not say seniors lah but they're they marriage earlier so their children are older uh they also bought go into some kind of relationship issues ya


okay


(oo), (oo) (oo)


ah ya ya ya ya , uh but the perspective now I hear more is uh, we already say leaving to the I mean the disciplining side leave it to the parents the the grandfather ya just to be around ah just to be around because uh I I mean we we were once younger uh couples uh younger daddy mummy before so we we really need


uh uh seniors to look around our younger children I mean uh ya maybe have a maid around but the thing is uh it's better to have yours uh old folks to do uh to be around lah at least to keep an eye, ah ah okay


yes yes, yes correct, ya ya , but I I think I think uh some something that we we always uh can't get used to their young this this group or this generation is their late hours


why you all have to sleep so late , uh


I I uh that's why I I I not sure the rest I that's what I told my children is it will definitely affect your your your your children ya because uh apparently children will will rest when parents are resting, if parents are not going to put their job down ah like last time when when I was schooling with I mean uh take a part time uh study with my children I mean my children are still young so I have to really put them to bed first then I can do my work so ah ya otherwise it's no good because uh naturally you need to look after your health


okay uh we are uh today today we are talking about finance, okay when the the words finance is actually it come out to be like it's actually tell us uh how we manage a large amount of money especially by a government or by a big company


okay there are uh various products for uh finance okay so uh we are going into like uh uh different products firstly uh we are talking about banking K under banking under banking uh there is


various uh uh different tool uh for example like uh saving, ya for saving actually you have different type of saving uh current account or the saving account


uh under current and saving account actually they uh they give a very very low interest , uh uh


ya K, ya and I think most of them when they open current account or saving account this is actually for short term plan lah that means they would don't really put a lot of money here just to earn the interest because the interest here is really really very very low ya so


ya so beside I think beside this uh current and saving account uh bank oh do have other account like uh fixed deposit , uh whereby they can actually get uh slightly higher interest uh the disadvantage is, you have to fix it in uh like one year or two year and you cannot break it ya


ya ya ya ya


ya, ya ya ya right right right right ah so so uh beside uh this savings uh fixed D uh actually


bank also have uh other other uh tool like a structured deposit uh structured deposit actually whereby the have a even slightly higher but again this is actually patched into like a bit of a investment uh some, some of the uh structured deposit they are actually uh uh principal guaranteed that means you won't lose your your principal amount


uh, ah ya ya, at and then the interest is based on uh market economy is the market is good maybe you can get as high as two over percent uh if the


ya and, ya and normally this type it actually tie tie you down for even longer period like maybe five years but uh if let's say economy is good the interest you earn is actually can be very high very good ya


ya, and then uh another type is like bank will endow uh the middle to higher income group for this uh uh uh at they joined them as a priority banking, or some bank ya some bank they call premier banking uh


ya, no no no no no personal also have but for this for this is uh like what I say it's actually more for middle to higher income uh whereby you need to put at least two hundred or two hundred and fifty K into the account


to become a member to become a member, but once once you, become a member then they will assign you a relationship manager whereby this this relationship manager will actually help you


to uh invest and uh do uh uh wealth uh creation for you uh help you to do more, investment and and of course all these uh they will charge lah but uh I think in, ya generally like even for a share uh you can do other a lot of other shares all that and it's it's in in and then you also have a privilege privilege on uh like


uh privilege banking yes because every times they will send you uh uh uh priority lah that means even the if you go to the bank, ya even you go to the bank they have this special queue you know that uh you can go for party


at ah ya ya ya even even chinese, new year if you go go and uh exchange exchange new notes ah you can just call them and uh they will prepare for you and then you will just go there and take the queue and then you just take the money so it's actually that is the plus over here


ya ah, and I think uh under banking there is also other thing bank also do like uh home loan property loan personal loan, uh study loan ya, ya ya ya, study loan


uh they also have uh do uh uh like remittance of, funds and then uh ya, then uh credit card yeah credit card ya you know credit card


ya, and a lot, a lot of these credit cards sometimes they you can keep err err the point and then you can then, ah ya ya ya correct correct I mean


ya but uh try not to have too many card ah


then you bounds to overspend sometimes


oh ya ya ya ya ya ya uh that that's why there is a plus and minus point sometimes you have too many card because every card you have a limit, to it and if you buy if you buy a a ticket bigger a a ticket item uh sometime you use a few cards


and then uh, some of the card they also have uh like free interest or installment, ah especially in in courts ah courts if you buy those furniture uh they have they have like twelve month free installment plan


ah, ya this will helps lah this will helps, okay okay, then uh okay so that is uh uh that is about uh uh uh that is tools from the bank and also the loan I think the loan is also act is a actually very important because uh uh think like housing loan uh housing loan


now interest rate is actually quite low uh, uh there is good and bad of course uh ya and then there is also personal loan and also also loan for the company so if the interest rate is low sometimes it's, good in a sense that you can actually borrow money and their pay at a very interest low interest rate and then you you can then invest in other higher interest so you can earn from the difference so this is also help in the financial


free free interest right free interest right, ah ah ah ah ya ya ya


okay okay ya next maybe we can move on to uh insurance that's another part of it like about insurance I think okay ya


so for I got in for insurance I think insurance there is also a a a lot of different different plan, maybe #siew kek# ys so uh #siew kek# you like to talk a bit about other insurance what are the


ya ya ya I think that that is more for for family members and you know because that were only you only get the return when you pass on


ya in the past very popular but not now


(mmhmm)


ya ya okay


ah ah ah then it will just run it just run but then ah ya ya ya correct correct correct


ya because otherwise all the bonuses you earned will be gone so normally if possible try to hang on to it because it's always good it's always good to wait until it matured, ya and then other insurance ah other insurance okay


nowadays it's so competitive even bank also they sell insurance plan, ya they also have ya ah


ah I think they they tie up with uh a lot of uh insurance company because uh ya these are also marketing lah marketing from the insurance company to try to sell their plans ya and beside all this uh uh of course uh there is there is


other insurance like home insurance uh social insurance fire, insurance I mean of course all these are more more I think uh uh also less popular but in the case for home, definitely you will really need a insurance and then mortgage insurance also


oh ya ya ya oh yes yes yes yes yes yes ah, ya


okay so that is that is uh all about insurance the next one I think is the property investment, ah ah ha , I think for property investment it's actually more so for uh uh more matured and uh for family uh with have a better income of course uh uh a home


everybody will have it but extra home for investment that will have to depends on your income and your your comfort comfort level ya ya, !huh!


choosing a property is also uh you have you need to know uh how to buy where to buy uh it's not that at all property will will will make money okay so location wise


ya ya ya you have to go into a specialised uh to study uh which one is a good good buy uh and especially for uh like landed or a freehold property


property property is such a you must be able to hold okay if you have the power to hold uh the those uh uh like a freehold or landed it will appreciate and then uh uh you once you rent out the rental income can actually uh help you to service your loan


so ah so it's like you buy something other people help you to pay so this is also a a great investment for some


yes yes, I think uh last time they do this but right now they they they will be being slapped slapped at uh for the buyer stamp uh seller stamp duty if they sell it within three years then they have to pay extra twelve percent which is actually


quite a lot so most of them now don't do that, because when they buy if they sell immediately uh in in the past ya in the past they sell and then they can, need a lot of money but not now now they have to put uh they have to actually come up with a the stamp the seller's stamp duty if they if they were to sell so this


ah ya ah correct correct


correct ya ya ya ya, at, and I think I think like, like last year last year a lot of people I mean those old condo they they actually make a lot of money because of en bloc


, they


oh ya ya, ya ya that that is, correct correct ah that that one really really is like uh strike striking the lottery is really like striking a lottery


correct correct ya and I think the uh uh another one I think uh would be the uh CPF, ah maybe now we can talk a little bit about the CPF


actually ya I think CPF is actually also uh a good err the interest rate is very high of course is , ya


oh ya ya ya


yes yes


ya ya because because under okay (ppc) ya, okay


negative experiences, ah negative experiences okay ya okay uh


uh, okay talk about something that not so good uh is especially when uh I quit my job when I come out on my own


uh at that time it was like actually quite tough uh then uh we actually uh have a lot of uh worry because it's, err, uh ya ya ya ya self because because right now I'm self sort of a self-employed ah so so uh initial is always very hard and very tough


uh ya so so when we just started actually err I think there is sometimes err months that we don't even have salary uh then we are we are actually uh very worried about our sales uh marketing uh because


no sales no no uh income, ah then then uh ya that is part of the I mean, worries that we have gone through lah we have gone through uh also uh when we were younger actually uh especially uh when you just get married uh financially financially it's also quite tough because uh


then we have children and you have a few big big ticket item like you need to buy house uh you need to take care of the children's uh education , ah ya those I think those are also quite of the uh I mean although now it passed we already passed uh uh


and then we need uh remember every time uh bring the kids for tuition bring here and there , ah and that, ya and


at that time uh also uh it's not so common to get a maid uh you not only you have to take care of your children uh you have to, do housework uh you have to work you know !wah! that, is really really tough very tough and I I wonder !wah! I I wonder how I actually passed through all that uh ya and then uh make sure


ya ya ya


ya ya ya then I I I remember that time when when I was working uh uh employee ya uh I I remember at that time we were like still young and uh, we we can't say for us we can't say ah oh just uh resign we cannot ah


we still have to endure it because we have a family to feed ya so no matter how hard we still have to go through you know so ya ya so that is, really really tough I understand and then very stressful very stressful uh uh when you have


deadline deadline ya and and you cannot meet your quota !wah! budget then !wah! really really ya


, correct correct ya because we when when we worked we actually we were quite young what we are quite young when when we came out to work and at that time uh no support nothing now I still I still remember uh when I just joined the company for not too long uh


I think where I was about maybe, first time I travel to to US and then they they just they just let me go but on my own, and you can imagine I'm so fearful because we have never travelled and I'm so fearful because I'm alone and it's so far


and all the, way there uh when I reached there I still remember I came out from the airport and I was like don't know what to do, and I try and take a cab and then I'm so afraid that you know this cab driver will con me all that and true


true enough true enough one person, ya I was alone and I'm taking a cab uh to the hotel to the hotel, so on the way I think he is trying to overcharge me so I, I cannot do anything I I just uh I think charged double lah not not not say the a lot so !wah! in my heart I remember I was like !haiyo!


so I I cannot I just give him whatever he want uh the the the fare and he didn't fetch me to the in front of the hotel he just dropped me uh uh two street away from the hotel and, he asked me to walk he asked me to walk so it's like


!wah! you can imagine so at that point of time !wah! lucky I managed to find my way to to the hotel and I was like !wah! so scary that time , !wah! and that and, ya and then and then another time I was like travelling to uh uh indonesia


at and ah and at that time I think, that uh thirty forty years ago, uh it indonesia is still uh uh not a a very advanced country uh and, and the the people there they they actually the factory because we went to visit a factory and uh the the they put us in


in a in a hotel in a very low so-called low budget hotel , and the hotel !wah! so scary again so stressful , the hotel when you go in I mean it's so a bit dirty and the toilet is like you know you use a a a a a something like a a water it it's no shower you know it just scoop it's just scoop


ya and then the hotel, ah on top mah you know if they they have a vent that that somebody can just stand up and look at you, !wah! the whole night the whole night I couldn't sleep you will just you'll just open your eyes and look at it and then you are afraid that people will just


come in and then !wah! that is another very bad experience for me ya


ah ya


actually actually when we have all these bad experience and that is where actually we learn uh uh, and then we can be better in that sense because I remember once uh I was like in a uh indonesia again uh and then uh uh suddenly the flight all fully booked because of Ramadan


so, so you have to be very quick and your mind have to be very quick because you are alone there you have to fight for yourself uh and and the flight is full I couldn't come back, so !wah! luckily I I uh I I changed my flight I take a a flight to Batam and ah


to Batam and then from Batam I take a ferry back, y so so because of all these travel and because of all this err err negative experiences that we have , uh we actually are smarter in that sense and uh we we correct correct and now everywhere you go you are very cautious uh you know that ya you know that !wah! you you can actually change very fast adapt adapt very fast to to the


ah ya , ah, unlike unlike, unlike nowaday ah if all the all the uh our children you know I don't think so they can do that because err err they're !huh!, they their their life is different from us they really different from us


so and then, during our younger day uh we we actually have a I mean primary school you know you also have the same school as me we walk to school uh and it's like so, far ya and


and we only have like uh five cent ten cent uh uh resize ya ya ya ya, so so to ya old town ya so so I I would


ya ya


actually is good good and bad lah good and bad you actually learn a lot at the same time uh uh


actually you also you have this uh certain, they all right even like until right now uh slight slightest thing you know you get very worried uh because ya because it's like in the past you know you are always worried worried and then now even for me , uh slightest thing you know I !wah! I'm so worried you know !wah! quickly think of this think of that you know so this actually also stress stress me out sometimes ya


no no no no no lucky lucky I'm, I'm quite uh okay only for some uh back pain back pain partly is also due to because err err I think in the past we always work hard and carry a lot of heavy thing so uh ya beside beside that and then plus uh age catching up


ah that one you cannot you cannot deny uh even you think in the, past you are strong you know you know you know in the past during primary school used to run a lot all that now it's not it's not it's different it's really different


no no I uh no I, have a very very bad experience especially I when I go for a surgery


uh ya and then uh it's a private doctor uh so the the private doctor, actually uh because private doctor is like one man show so uh yeah she I think he is not so uh uh uh, I think experienced and she didn't give me enough anesthetic halfway through the experience halfway through the surgery !wah!


you can imagine !wah! the pain you can imaging cutting your your skin !wah! uh the, ya that's why I screamed so loud you know then they say oh okay K K you you you wait you wait you wait I give you more jab I give you more jab !wah! that


that is really really a very bad and until today I got this phobia whenever I go for surgery I was like oh normally I say oh you you you better put me to sleep you better put me to sleep , you know well if locals uh local anesthetic then you will know what is happening so ah


correct correct so I have this very bad experience so now you know it's like a bit a phobia, so ya they


yes


it is like waste of money waste of time ah ah ya ya ya


I think it it depend it depends on


doctor I should said uh most well nowaday I don't know nowaday there is
a lot of imported so called imported doctor uh foreign ya so I mean I have also not so good experience
 uh that only when you ask then they tell you uh if you don't ask


then they will not tell you ah ya and then if you uh got I wonder if let's say for uh sometimes like uh people like uh those uh elderly if they don't know how to ask then I think it's it really waste a lot of time


ya ya ya, but some sometime you have to see you know you have to see whether uh you need to go if you don't need to go you just don't even uh need to waste time and you just call them to cancel the appointment or to change it unto because sometime it's like oh they fix three months okay it's fine but you if you think that oh three months is too close uh maybe I would like to have six month


so you'll just have to make decision to just tell them say ah can I come back six month or no otherwise like it's three month you go you waste money waste time and then there is nothing achieved and then the next time go back again ya so it's not this is not necessary


but certain thing certain thing you cannot say stop like uh high blood uh like uh, cholesterol pill all that they need to eat I mean you cannot skip that one really you cannot skip so certain thing is really like you cannot skip you have to go you have to go


actually , , no eh, you will realise you will realise that uh, every stage is a different worry uh when when our kids were ya young primary school we are worried about their homework you know uh when they are secondary school JC you worry about their friends you know uh university


when they come out to work then you worry about their work their job their health you know and then when they get married and then you worry about you know uh oh their child uh uh, whether can they ya whether can they handle


ya it's it's all different stages different worry, okay [oh] so we've stopped now, stop


okay what are the sports you do not yet not yet not yet I just okay now uh okay for


positive experiences, ya ya ya that's right would ah okay


oh so we just based on the question okay what is the nicest thing someone, okay , , okay uh in general I should say uh uh the nicest, things that we had is actually uh when we when we actually in in


best in uh we can talk something relating to financial right, or we can okay uh when we have some rewards, uh especially uh when you when you work hard uh whether it's bonus yearly bonus uh or whether it's a some special rewards


uh you feel happy when someone rewards you for your hard work you earned ya and uh you also uh uh one of the my happiest moment is also uh family, okay uh when we


when my family go out together for a travel uh as a whole, uh that is the ya that is a happy moment right


ya in fact in fact for us I think uh family is important uh whether it's our own family or whether it's uh our like parents with our sibling our own sibling uh it's always good uh once we have a gathering especially for our own own gathering like every month


uh all the family members and the cousins all come back, ya that it ah ya ya, ya ya ya ya ya ya, and that is that is really really a very happy moment


yes yes and and that is also good actually for uh cousin uh because nowaday ah when you know it's like everybody grew up if you don't meet together uh the cousin and cousin they don't even know each other, ah yes yes


because because , then you can you can then pass on to your children


correct, actually actually it's it's nice it's nice ya like like sometimes err err err err my my girl will uh bake they like to bake and then uh uh sometimes uh they will brew coffee ah they would do some nice nice cake nice cake uh


, , , no no no then then they will no they will they will force you to go for exercise and then you just have to [loh] ah , ,


ah oh oh oh oh


alaska !wah! that is a long trip you know


ya lah I think, I think for us uh, especially for our age you know uh uh when we go out I mean like travel with our sibling most of the time is like eat and eat and eat eat night we will go and find nice food uh because we for for me I seldom like to


to uh go for err like a uh uh visit temple visit I will normally uh ya normally go for food, , oh museum my kind museum is my kind


beach beach beach is not my kind beach is not my kind,


so does she does she wear swimming swimming costume


ah ya ah ya ya ya ya, actually we will we will feel that because uh uh now for me also uh my my dad is not not around but only my mum


we will feel that uh uh whatever we do to her uh there's no no regret no regret, ah so as long I mean for them they suffer a lot so uh I think they they deserve they deserve to to enjoy their life and they don't know how to do it if we don't do it for them they don't know how to do it


!wah! (oo)


because when when you go oversea they they don't know how much and they will always ask you oh how much in sing ah how much this how much that you know ah


your your your children all they speak dialects to your parent, oh oh oh (oo)


because if if they I mean lucky she can speak mandarin if not ah, then I think they have this communication gap, uh because most of our children nowaday they they can't speak dialects and uh if the old old parents they cannot speak err uh chinese or english then then I think there would be a they have a gap


this uh I mean (uh huh) of course I mean talking about the family our own family whether you know our sisters brothers all that I mean these are really, happy moment ah happy moment that we have uh uh uh with with our own immediate family and


uh we really really enjoy enjoyed how about friends how about friends meeting friends uh for catch up,


leisure walk lah leisure walk


!huh! four hours ah !wow!, yes ya ya is that at uh near near mount faber


oh ya ya ya ya it connect yes yes especially nowaday uh like like, Punggol they have this stretch stretch all the way to Serangoon ah then people can just cycle all the way ah okay


oh okay okay okay,


yeah #haw par# villa !wow! because, #haw par# villa nowaday I think is not as popular only only our our our time people will appreciate the #haw par# villa I think for the new generation uh ya I think they are not so keen on #haw par# villa maybe their


ah correct correct ya, oh no lah no normally normally we will have a a a chit-chat we go high tea and then chit-chat try to catch up catch up you know everybody and then uh uh normally we'll talk about family


talk about work uh talk, uh leisure and then uh uh, you know just sometimes we do travel also we also travel I mean among friend just just just friend, exclude the husband


, ya got once we we I think about six six of us uh we went we went to Bangkok we went to Bangkok ya, and, and we really we really enjoy we go for massage we we really got ah we ate Makan massage and then uh uh because it's uh no husband so very free and easy everybody !wow!


and that ya, yes yes


correct correct correct actually uh we are very thankful, lah we are very thankful that uh we uh we have a good family uh all our children they are actually very well err well taken care of and they behave uh they have a good job so actually we are really very thankful about that and uh because of that it actually lead us to


to our happy life we so call


oh ya ya ya ya ya correct correct


but then ah but then you will realise that uh ya uh we we travel all that but you'll also realise that uh uh uh especially at my age uh a quite quite a few ah they are they are now grandmother uh


they they actually have to take care of their grandchildren uh so they they are not as free you know sometimes uh trying to get them out is also a bit difficult, uh you have to see whether oh uh whether can they so-called take leave you know from from their their daughter-in-law or from their son ya so so this is also another and then uh taking care of grandchildren is also very tough very tough it's not as easy ya


yes yes yes I mean of course it's always very helpful uh with the old folks around , uh because you know nowaday youngsters sometimes uh they have something on uh so it's actually very good for them to just uh uh uh temporary pass the


the the child to the grandchildren to just have a look for a while uh so that they can they can go and do something else or they can have some some of their own time together so called ya


ya ya ya ya, cannot understand nah but don't know why you know ah they work so hard, uh they study late and then ah maybe they're so used to staying late uh even one two AM with their ah know and and they're not tired they are not tired


ya [oh] okay


part one financial related topic


okay hello #bi xia# how are you ya ya I want to, tell you that right actually I have just signed up for a UOB one account actually is a UOB savings account have you heard of it before


oh because now right uh there the normal banks only pay like just zero point zero five percent per annum so surprisingly UOB one account is one of the few that wouldn't give me a headache ah, because it is a very simple structure and easy to attain bonus interest ah with minimum calculation


ya you want to hear more about it I can tell you more about it, this UOB one right is actually similar to the OCBC three six zero and the DBS multiplier lah , which allows you to earn decent interests as long as you perform certain actions so from what I understand right uh if you are having a credit card and spend at least five hundred dollars


and you actually credit your salary of at least two thousand dollars with three giro payments monthly you can actually get higher bank interest, but do but the problem now is coming first august which have they have just change the interest rate so the maximum interest rate now that we can earn will be revised downwards to two point five percent per annum from the earlier three point six


eight ya per annum yes although this is just an inflated numbers but if you are actually familiar with UOB this is actually another example of their typical marketing tactics ah, the actual interest rate you actually get depends on your account balance and how many action you will perform lah


ya I tell you more about the breakdown of the interest rate so actually currently come first august right for the first fifteen thousand you will only get zero point two five percent per annum on your credit card expenditure


so even with the salary credit and the bill payment here you only get zero point seven five percent per annum for the first fifteen dollar ya so actually with this rates right if you actually have fifteen thousand balance your maximum interest will only be hundred and twelve per annum lah ya


ya so actually for now GIRO unless you can get three per month ya what kind of GIRO uh transaction do you actually made on your account, for myself right ya for myself I actually use GIRO for my conservancy charges town council


how about yourself, I see do you also pay school fees using GIRO


!wah! , I see so I think, it's really important to have a good bank account


one ah because there are so many interest rate that we can earn ah ya and but ya but there's a downside lah there's actually a bonus interest capped at seventy five thousand, for UOB one , so you can actually only get the base interest


at the cap of seventy five thousand but actually is fair enough lah I mean most people wouldn't be keeping much more more than that in cash anyway unless you're about to make a massive purchase ah so ya lor if you ask me you uh for this account right is the least complicated lah so


there is only a few tiers and you only need to make three GIRO payment lah for myself I also use it for my handphone bills and my internet connect I mean my monthly internet subscription, ya so there isn't ya so not much account senior account around


lah ya and I actually spend around five hundred per month on credit card bills so that I think usually people would spend around that amount so ya, ya so how about, yourself which bank account are you using


ya I use that in the past


ya for OCBC above thirty five thousand


I see so so how about the credit card are you using OCBC bank but credit card too because now right I'm actually using the UOB one


oh


so it actually uh


so it actually spread out your annual payment of your insurance, premium how much is the rebate on your credit card


for myself for the UOB one card actually I'm using it because they give up rebates up to three percent on dining especially I always go BreadTalk, all those uh cafes you can get up to three percent and even for grocery purchase uh week I get up to two two percent at Cold Storage or Giant sometimes I also use it when I go to Guardian I can get up to two percent rebate ya


so that is why I'm using the UOB one card


I see for mine right uh for the UOB one card I can actually get up to one percent on SP utility bills ah so I'm also thinking to switch my


monthly utilities bill payment to that to the UOB one card ya so correct lor so ah we are trying ah we are also trying to see if we can have the habit of saving up for rainy days ah ya so do you have the habit of saving


you you'll know what ya


I see so for the Great Eastern card is it uh, uh is it a Visa or Mastercard


I see so ya and have you actually check out other bank account on the market ah because besides UOB and OCBC I think there's also the DBS multiplier account, have you


I see, uh for you OCBC three six zero are there other tiers if we actually ah


have home loan with them, what other services you have with OCBC under the three six zero account ya other features


I see


oh yes I agree but ya but some credit card that actually there are exclusions for example for my UOB one card there they actually some expenditure are ineligible for cashback or rebates not sure if you are aware for UOB one card


bank fees right cash cash advance uh late payment interest annual fee all that right is actually not eligible for cashback and rebates so even for transfer and bill payments to ASX and EZ link is also not eligible


even for some institutional payment to junior college university and a charitable society and even uh, some other supports some others schools right ah


ah non-financial institution all these payments to this ah providers is also , uh not eligible for ya for rebate yes correct so for example if I'm using this card for my monthly insurance payment it will not be entitled to the rebate so I should consider your OCBC Great Eastern card


yes are there other OCBC cards that you would recommend credit card have you use the NTUC OCBC card before


so how do you try to save using your NTUC card you do it weekly, (ppc), how do you do you go grocery with your card weekly


I see is there any annual fee is annual fee waived for NTUC members


I see what kind of dividend


oh I see if actually I have known about this card earlier I would have signed up for this card ya, ah FairPrice ah, I see but I always see those NTUC credit card booth outside the FairPrice uh outlets are we able to ya are we able to sign up from those booth


it's a great idea to apply for a sub sub card for my parents but are we able to set the limit on the card do you know


I see but


I see, ah actually for credit card I would also prefer to use the KrisFlyer miles card , I have been using ya I have been using this Kris miles card from UOB and actually I have used uh used


use the points to offset for my air ticket in the past so it is ya it is quite is is quite easy to uh, uh clock miles and when I when I sign up for the card there was actually the welcome gift of about probably ten thousand KrisFlyer miles


ya have you heard of this card before you can actually try to apply for it if you plan to of course we can't travel currently but I mean is if for travelling it's quite useful and you can actually get , free taxi service I think every quarterly to the airport


no I think upon application of this card you can actually get up to four trips per year per quarter, so for instance like from the period of uh the last quarter probably from september to december I think up to a certain amount of uh


redemption per month I'm able to claim for a free ride to Changi airport or from Changi airport to home but I'm not really sure how we actually get about doing it probably it will be charged to card and I'm able to get a refund from there yes


ya, ya correct yes I think it is a very is also a way to save save costs


ya correct so I think ya I was also about to chat with you to explore other credit cards from other banks ah ya did you heard of the SingSaver account ah, website before because I understand that they have a wide range of a credit card comparison on their website and we can also browse through to see if there are any sign up offer ya I understand like for Citibank Standard Chartered they also have free sign up gift have you got any sign up gift from these credit card before !wow! is it a small or big luggage I see that's good credit card yes yes okay yes great


okay now I'm going to tell you an event that made me very angry ya you know I guess working in a office setting and working from home is so difficult do you agree with what I say


yes now in this uh, post-COVID right since COVID outbreak in february, most of us are working from home initially I felt that it was really good that we can actually we don't need to commute of course that I still have is uh areas that are good lah because you don't need to commute and we can dress very


comfortably and the bed is just makes five minutes walk away but it has caused a lot, of conflicts uh in communication with your colleagues I guess and friends because sometimes through, via email you might uh you might not get your point across and from the tone of the you're unable to understand what the person is trying to drive at from the tone of the email


and as most of us are keyboard warriors ah we tend to not think that much I feel how about yourself do you do you have recent incident with your colleagues that actually would cause misunderstanding


yes exactly


yes this is actually very frustrating and especially without a printer at home it make things a lot difficult


yes correct ya since the start of the COVID right , what are some of the anxiety you face actually currently right after the start of COVID I actually have anxiety when I try to when I even step out of the house


was because given the current situation at the start of the circuit breaker we haven't been going out often so yes even driving is my greatest fear now, I have not drive for a very long time so when I actually , started driving uh post circuit breaker I was very anxious and I feel that I can't even park my car


oh really do you mean that uh, when you go for grocery shopping recently you are able to find a slots easier than then


ya but I think that is for sub urban areas ah I guess in places like town raffles place is like a ghost town now ya, ya correct so I think ya, I also very worried about how the COVID situation is turning out do you see that uh which countries actually have second wave of the infection


ya so actually yes I also read, from the news ah some there are actually some people who actually hold parties at their home this actually make me very angry because I think every is actually everybody's responsible duty to actually play their part for this


COVID-nineteen situation currently so if every one of us is actually trying our best not to not to mingle around that much then I guess we can totally stopped to spread lah so ya


ya but actually but working from home at uh there are also, challenges that you face ah working from home lah for myself I think concentration too I feel that sometimes , ah I might deviate to do other things but the could the good thing is ya some


companies are not very strict on , on uh all these ah as long as you get your work done that's the most important ya but I heard from my friend that her company actually monitors their every single steps ah and they actually have to do their to-do list per day and what are the


task that I going to complete today and they even have that kind of a monitoring buttons at your laptop so the minute that you are away they actually the your your status would turn yellow have you heard of this kind of uh, issues your friends have


yes correct correct ya I think that I think my greatest fear is actually to have a boss like that ah I ever, have a boss that is so micro managing and she would actually always message me and, ah hi are you there ya what are you working on now are you back from lunch ya and stuff like that ah the greatest fear I guess is to have a micro managing


boss yes, ya and that and that's worse and sometimes some bosses are also temperamental and they get very personal


ya, yes yes of course I think the greatest fear is having a boss like that ah and uh how actually you you actually how do you regulate your your your your mood after that lah because is actually very frustrating to have somebody who who is always constantly contacting you and checking on your work ah


and what frustrate you is that you cannot do anything either you accept it or you quit the job


so so is that your worry also in for the post-COVID what is your worry are you worry about keeping your job or are you worry about retrenchment too


ya I'm also not sure when ah is the government going to open up the entire economy because currently gatherings all that are still limited and most of the employers are encouraged to let their


staff work from home but in event that they're going to relax the regulations and restrictions then I think I'm also worried for uh the next outbreak that that will be what is the the virus will be widespread


I saw the news was it uh they're allowing travelers from brunei and new zealand


are they require to take are they require to take any uh COVID test before coming to singapore


I see but but sometimes for this COVID for this COVID virus right they some are only infectious after, some there are actually there's no symptoms for some of them and ya even though at the point of entry they might not they might be tested


negative it might turn out that they became positive like probably ten days later stuff like, that so that actually worries me too because if singapore is opening up gradually to all these countries we are actually in risk ah unless we really stay home and not go out


anxious, ya but would would would would they stopped you from going out to like movies or even dining out are you very skeptical about going out or !aiya! you are actually


going out more often


(ugh) ya that I I think COVID is really a negative experience for everybody in two zero two zero I hope that it get resolved by then ya


ya ya, but sometimes ya but, sometimes even going down ya walking around is is good lah, unless ya but


okay that's good but ya for me right I actually do exercise that much at home now, ya like even going down this morning when I went down, stairs actually I saw a cat


ya cat is my phobia ya do you have any phobia for any animals oh ya I, I have a phobia of cats I think there is a term for it I think there's a term for people who are afraid of cats every time when I go to my uh


one of my uh, uh close friend's house right she actually has a she actually has a cat at home so whenever before I reach her place right she will actually keep the cat in a , in a in a house and ya although I have a phobia for cats right but I have no intention of overcoming them so my way of overcoming the phobia of cats is to avoid them do you think is a good idea right


ya I think


ya so is that the event that make you very angry


but what is the point that frustrates you uh is it the is it is it because, of ya is it because you are unable to concentrate or is it because that there's too many people in the house and it


uh I see so but uh like you say if you got frustrated then did you actually hurt your child feeling when you pushed him away


is


ya I guess right when every time we are busy with work , we tends to be agitated and ya I agree too there was also a time when I , when my child came over when I was in the middle of the meeting of course and she did he did exactly the same thing he interrupted my meeting and say hi at the background and my first response is to switch off my camera


ya yes ya because, I think ya but eh it was also that point when I and I pushed him away it was also that point that I feel that I actually, hurt him because I did it very I I I I gave him a push quite


ah I give him a shook quite quite hard, lah because I was trying to get him out of my screen but of course I I also understand that it was a time that it I was in a meeting and actually I've actually uh lock my door there so actually I feel quite bad ya and


this was this event that made me very angry but I was also very upset that actually I didn't react very appropriately to the event ah because it's not entirely the child's fault that he actually interrupted my meeting I should have done the necessary arrangement like


informing him first and tell him that I actually have a, upcoming meeting and do not disturb me and of course I should have lock my door before the meeting ya


yes I think at least he could have knocked on the door, ya


ya so ya actually very frustrated lah sometime, but I think ya I think the frustrations comes when uh


the frustrations come because sometime uh we we actually uh we act we react before we think ah ya actually if every when everything anything happen we just take a deep breath , and think before you react ya but of course


part two positive experience, okay so ya I will just pick on this part about the positive, experience so I will take note to click the screen often on the phone also


ya okay !hey!, #bi xia# what is the, uh do recall when when is the last time you travel


oh awesome taiwan was it was it a winter then


I see I ya I went ah uh I would like to travel again to the last the last travel experience I went was to japan ya in june and I actually went to the disneyland and disneysea have you been there


oh I must share more with you about japan to to yes because uh japan is so awesome everything about japan is awesome actually when we went to japan previously we actually rented a car in around mount Fuji area so we actually went to this mount Fuji zoo you can actually


drive in ya ya is actually uh is actually called Fuji zoo if I'm not wrong so actually when we drove in you can actually see mount Fuji from afar, and there were animals like lions and elephants they are practically just beside you right outside right right beside your car lah so that was actually this pathway that you could drive in a designated roads


ya but they have a different uh area for different kind of animals so it was actually truly exciting because, if you really got out of the car you might be eaten by, them ah so ah


no is your own car so it was our own rental car so actually if you are really living in japan eh, you have your own transportation I mean be it a car, or a van you can actually drive in yes so


of course I don't think motorcycle will be allowed though you must be a cover bigger yes so actually from afar we can actually see mount Fuji do you actually hear before that they say that you must be really lucky to see a full view of mount Fuji


oh ya so they actually there was this kind of rumors that they actually say that if you really could see mount Fuji at full view you are you are you'll be in luck lah because uh, uh because of the conditions of the weather sometimes it might be foggy and sometimes it might be windy or


uh snowy you can't actually see the full view, ya I think I'm lucky then yes so actually ya actually the road up to mount Fuji is pretty winding and it actually it's pretty dangerous in fact right the mount Fuji forest is known to be a suicide area


uh ya no no uh because right , uh places like japan is actually very huge so actually uh it was uh mentioned to meet in one of the trips by one of the tour guide that uh actually there are actually japanese who like to go there and ah


commit suicide in fact because it's so uh bushy and so dense right the the forest there so, they sometimes it uh all this never uncovered lah, but anyway we should talk about the awesome part, of our travel ya ya


correct but ya the shopping there was great too and I guess the Onsen is great do you manage to go for Onsen in taiwan


I see [orh], I see so does all the, all the rooms in the hotel has a, private Onsen in the toilet or you it was a special arrangement


I see I think the good thing about traveling and the most uh rewarding part I guess is actually to be able to go free and easy ya how about yourself did you go with the tour guide or did you rent a car or


I, I see do share with me your driver's contact did he actually bring you to the famous farms in taiwan


according to the road


I see did you also visit their landmark the taipei #yi ling yi# I actually went there few years back to for the year end countdown and the fireworks was magnificent did you managed to stay for the countdown


did you like the taiwan food there did you like the taiwan food there


was it the food was it street food or was it at the night market


I see I think I also enjoy the food there ya, especially I guess but I actually had a bad experience I actually had a diarrhea once when I went to taiwan


yes ya and ya correct, but uh although the trip was awesome but I actually had a diarrhea after eating some street foods ah so it wasn't that was the small part that wasn't very


ya, that wasn't very uh enjoyable for me yes correct, ya one of the one of the ya unhappy part ya but if you ask me I think japan will still be my favourite lah because there's so many parts of japan and the last trip I went we actually went for


photo taking in japan so they actually we can we actually rented their, traditional costume ya and we dress down and they even can do make up for you if you wish to but of course we did not yes ya and I think is quite a culture that we actually wear all the traditional clothes down


the streets and around the Meiji shrine area, yes but I ya I guess the next trip if you plan to go to I mean japan you can try ya even for their photography session that part yes


and yes Kimonos and especially the best part about japan is actually the the scenery there ya yes and also disneysea rides ah disneyland and disneysea because disneysea is only uh they only have disneysea in japan


ya, yup ya ya ya under ya under disneysea uh I think under the disney group only oh there's only disneysea in japan correct and actually their signature doll is


actually duffy have you heard of duffy I'm so in love with the bear after disneysea, ya so oh okay ya that's the very cute bear there's four of them you the next time you go you must must definitely get it there because you can only get duffy in disneysea if I'm not wrong


japan ya so ya I think that's a tactic for you if you go to disneyland I don't think you can get duffy the bear yes ya but I ya where would you ya where would you want to travel next if you get a chance to


japan oh ya I think that is the most positive thing I want to do ya


ya I think we took the yes we took the bullet train the last time and they actually have a special, road routes for bullet trains like they called it the romantic uh bullet train ride to uh one of the areas uh near mount Fuji I forgot what it said but ya it's a specialised train and as in that the road there I mean the view are different so


ya is is actually quite a scenic roadtrip ah ya, ya for the ya for the experience we actually took bullet train to , one of the


err, outlet shopping ya I think is a, where is the area call uh, Karuizawa I think we went to Karuizawa by a bullet train is about one hour away and on actually Karuizawa is the closest to Tokyo where you can there is actually man-mades uh winter slopes ah because sometimes you know


singapore's school holiday start early november but actually most of the ski resorts right only starts in uh probably closer to end december so if you are traveling in the early parts of uh december you can consider Karuizawa but although the


slopes are man-made it's it's really very real and is similar to all the skiing resorts in japan of course, Hokkaido is a better option though, yes but they also have


they also have outlet shopping there have you been to outlet shopping in other countries


I see but all the all the shops in Ximending is it street food or are there shops that you can actually sit


(<B> mm)


I see it was also a bit different when I went to japan because japan, in japan the, shopping malls actually close quite early I would think so they close at nine or sometimes eight which I think is so early ya and ya correct so when ah


uh for for the few trips there I mean uh we actually go back to hotel quite early at around nine unless you are really going to their nightlife area , uh the Don uh you know the #don donki# or actually for dining they don't close that early just that shopping mall they close quite early so ya if you are going to japan next time you have to plan your shopping way early in the day


(ugh) ya it depends ah unless you have uh really night night events but of course , in winter they actually have a lot of a light festival because uh japanese are well known for you know pretty displays all that so when you go in winter all the christmas lights are are very unique in all the different areas ya so like ya they have a very nice


ah at even at the Tokyo tower the highest building there yes ah ya and also at the outskirts ah, ya the last time I went to Tokyo we even went to Odaiba Odaiba is actually a area that was reclaimed ah so is similar to like our marina bay sands area I guess marina area


ya but there have a lot of different shopping malls and, that ah that, actually uh caters to different groups ah actually they have kidzania there do you know have you heard of kidzania


ya correct yes that's why we I can only go to the one overseas, ya ya it was quite a good experience too I mean is for kids though kids will enjoy it more not much for parents


ya but I think in japan I think the I think japanese are very big on uh politeness and uh and everything is so nice there, you know when you're overseas the weather the people they're very uh


nice and polite and ya they're always smiling ya so it's quite different lah from singapore I guess when you travel you actually uh feel differently do feel happier when you travel


I I see uh that's good because in japan


I I think everybody is in a rush in the morning so actually ya if you actually want to try to stop somebody to check where you are heading to I think it's quite pretty difficult lah but the positive experience about japan is that their trains are always on time


ya ya so if you if they say that is coming at twelve twenty one PM it will definitely be coming at twelve twenty one, ya if ya in fact if you if you hear the news recently I think their transport some uh leaders actually resign or uh apologised publicly for being late ah on their train system


ya ya so ya lor I guess I ya I guess for the last trip was quite good lah and the luckiest moment I felt was that I was able to see mount Fuji in full view


ah ya ya so what is the best part of taiwan if you were where should where is this one place that I must go if taiwan is my next trip


oh so it's pretty dangerous


mountain


I see thank you very much


can can I stop now


part one financial related topic


ya sure


!wah! okay,


okay


UTT


ya, for myself the same conservancy charges and also uh the SP bills with those UTT bills


currently because due to the circuit breaker my GIRO is not approved yet so we've been paying uh fund to fund transfer ya


so for myself I've been using the OCBC three hundred sixty account have you heard before, ah okay so they have like the minimum no ah interest rate at zero point zero five percent per annum the maximum rate will be two point eight percent per annum so uh what you need to maintain inside will be a minimum of one thousand dollar


okay and then , so they have a like these if you have like thirty first thirty five thousand inside, they have a


so ya so ah they so sorry ah so they have actually can earn a interest effective interest rate of up to two point one five percent a year and more on your first


seventy thousand I mean it does like you can earn more interest when you save or insure or invest more so ya just now where, I had mentioned the minimum is a one thousand dollar


uh initial deposit then uh the fee is a fee fall below then you'll be incurred a a two dollar uh charges, so one more


for credit card I'm been using uh OCBC uh Great Eastern can link to the uh OCBC ya it's a so is like I can enjoy cause when you pay a annual for insurance lah you pay annual right you actually enjoy discount correct


so it can like it can the bank will deduct a annual through my credit card limit and then pay to insurer but but I need only need to pay on the monthly installment basis so it actually works well for me


cause I don't need pay upfront and I get to enjoy the discount


the rebate


so I need so then they have the also the salary if you credit your salary thousand eight a cap at thousand eight eh they have a interest of zero point six percent per annum


so if you on top of these if you increase your money balance by a five hundred dollar they have zero point up to zero point eight percent per annum and if you also do invest with them they actually can give you up to one point four percent per annum


actually I I don't really save a lot monthly uh think I spend on insurance I actually bought


uh there was like savings insurance so you actually every month you just pay for the insurance but for the long term wise next time you have a lump sum ah


I don't it's just auto deduct from my uh from my bank account from my three hundred and sixty bank account


oh that one I have no heard before ya have been using OCBC more, cause having a car credit card ya


sorry what you say


you mean other features is it , so like for, the investment insurance, there you can like purchase an eligible product from them, at least uh the minimum amount of like first thirty five thousand for the first thirty five thousand they have a zero point six percent per annum and the next thirty five thousand they actually give you up one point two percent per annum


and so just now the increasing income I have saved by five hundred dollar monthly, and monthly, if you have a maintain the monthly average daily balance of at least two hundred thousand you you can enjoy up to zero point eight percent per annum but two hundred thousand I think


I don't think if uh you have two hundred K in your bank account I think you had better yield somewhere than just put at a current savings account, alright


excluded from the


okay , ya had use the OCBC NTUC card think it uh works for me pretty good because uh actually go NTUC every week if not every fortnightly for my grocery and top up households products ya


ah ya of course because you can actually earn err earn the rebate then uh you can up you can use the rebate right on your next purchase


so is like you can up to for if you do go uh install right they up to like twelve percent of install purchases at fair price unity and warehouse club stores


also up to eighty percent off online purchases at fair price, so is if you spend a lot on NT uh on NTUC I will suggest the NTUC plus card, uh this you can try it this


you have to pay nine dollar a month, to enjoy uh the this uh they have a member member like union member this kind of thing then at uh every year I think they will have give you some small amount of dividends also ya


normally I just receive a letter and then they actually say oh okay you have received ah I think based on your purchase and then they give you, a a small amount a small amount back ah


ya if you if you are shopping at the NTUC uh not Giant or Cold Storage ya


yes so you'd think you just bring your IC and then they will just fill give you a uh a brochure uh I mean application form for you to sign up so after that you can also open sub account like for uh spouse or for your parent so they can also


use this uh sub card and then the points also can be, I mean can accumulate the points together so, pretty a pretty convenient for them


NTUC for this one I think the limit is a, I think should be same like other credit card that uh ya for the cause


if like NTUC this plus card right is from uh OCBC right so if let's say you have Great Eastern , or use other credit card under OCBC so your limit which actually combined together so you have to take note of take note of this ah


okay


it when you have this card or or you need to accumulated a certain number of Kris mile


[orh] okay okay !wah! that mean can you can save a trip also like, ya cause we like we we stay very far we had for our Grab I mean for a taxi fare will be easily twenty to thirty dollar ya that save a lot


oh ya I think uh AMEX last time actually uh AMEX company come like collaborate with some share uh talk sharing so they come to our office and share with us the American Express


so when we sign up we actually if we spend a certain limit of, uh spend a a minimum sum charge to your credit card they actually entitled a free luggage the luggage is pretty good ah


I think should be a medium size you know medium size it's quite the cover is the quality is not bad, so so this uh ya and then uh


ya American Express I think they have uh they have like capitaland CapitaCard do you heard before CapitaCard, ya so if cause capitaland mall I mean is very popular to uh it's not say we have a lot of capitaland malls in singapore so it can if all when we go shopping or what you can always charge this to the


the this AMEX CapitaCard and then you enjoy accumulating the points and also a, if you charge directly to the AMEX credit card right you actually I think up to three time the three three time of the points that you normally do ya so another one I think is uh the


rebate okay


part part three negative experiences


agree


ya I mean we have cause err ya as you has say those who are from from the texting wise and, you get the message across you may not be in the same page as the the other person so the tone wise or what or like whether understand whether you understand what the other person needs or what they actually needs are


so so like sit like last time used to be in office we can eh uh how what is this what do you want I mean you can just ask, or walk over ya and ask and then we, we can get it through and clarified the whole thing and you can get the work done but now we have to like email uh ah you had to like uh use the online that kind of team chats then you had to like


wait for the other person to reply you and then you can get the work done like continue progressing ah ya so it takes actually longer time for task to complete ah I feel


ya I I mean think for me as well because I'm from uh accounts so, you know accounts they actually will oh do you do a lot of paper work a lot of filing so we need to print out and then we also like like to print out and then see the document and then you like make a some working and ticks ya so now during COVID it will be very different we cannot print and then


is a and the filing wise a very different ah so you have really to organize yourself again, the E-filing


ah okay for for, for the parking wise I mean after the after we can uh go to the market do the marketing the car park is really no car there's like not a lot of car at all so is eh but so I mean the parking you can easy find a parking lot


ya, ya during the uh circuit breaker so post-COVID it'll be it slowly it like open up I think in uh june july slowly open up then you can see the difference ah the car park slowly had like have more cars parked there ya


especially ya the CBD area ya


like I heard uh north korea ah ah sorry south korea south korea, ya I feel so


ya I mean can and and not like is going to experience second wave or what lah I mean everybody will got two months down two months being , during the circuit breaker is quite unbearable lah you don't really can go out so I mean if you didn't exercise so it'll be like sitting down


and then not like in the office you can always walk around go to printer or go to pantry can walk around talk to your colleagues rest a bit so I think stay at home is another thing lah got pros and cons lah


ya I'm I always heard that, some people they work right they need to have their Zoom Zoom like apps to turn on to turn on so that their superior their bosses can can see can see that they are actually do working and not somewhere else


ya so different


like ya so, [orh] they so does it affect you and then your feelings your towards of your family


ya but then now during this this COVID thing you know it's best to stay on the job if possible I think


because you see now most of them is work can be work from home right so there's a uncertainty in the future whether will they employ from you know from the local or


they can actually employ somebody uh from another country you know just, ah ah outsource, ya so there's a worry behind ah or you can actually ya uh down


uh reduce the number of workforce so not sure how is it going


ya so think there's a banner the economy and the health and safety wise ah so I heard the the SIA they went to open up uh like for few country to actually uh open up the air uh the air flight


for certain countries, and reduce and reduce their quarantine days ya


yes ah they some of them I think have to can take COVID the COVID test instead of the quarantine things ah so


uh ya


ya true so , I mean that worries me also I mean you never know when you go like do grocery marketing you never know who is, uh infected and then is just nearby you I think everybody had or can only just do their own take their own responsibility to do the those safe distancing


measures ya


for the initial period uh ya didn't really go out only maybe just like uh evening time or morning time to go for just walk around in the garden


to get myself walk around lah if not I think the whole day I'm actually sitting down, so actually getting uh put on more weight lah actually, ya and and that mentality and the ya and then


ya but also you have


ya, so now we at home or or maybe we can, like not cough already and then we can do some exercising watching the YouTube to do some exercise so actually I'm exercising more now than before COVID


ya so this and this is the poor side ah


a cat ah uh, uh not really


I think uh this COVID also also like because we cannot go for, go for work then uh I mean no husband and wife stayed together longer in the household so they bound to be certain friction


ya so cause you like stay at home you will expect I mean since you are at home I mean since uh my spouse at home I will expect him to actually, how about more of the house house chores thing ya so there's bound to be a friction had to come to uh compromise ah ya


and also I think when we work at home when the child come back the child won't say oh you are working uh to I shall not disturb you they would they would just like, come over hello what are you doing and then when I'm in Zoom when I'm in meeting they can just come over and then at the background and hi so sometime ya this a bit of the inconveniences


concentration ah, I think


mama can you help me this mama can you help me that you see so is like when you do something halfway you know some of, uh take a work that you need some thinking through then you think halfway then you got disturbance then you actually pause for a while and then you come back you had to uh get your thoughts together again so it takes time takes time to complete a task ah


so a bit frustrated like uh sometimes is a bit frustrated, sometime inevitably so I mean after after I'm done with the meeting or what then I will go and go to my uh my child and explain to her you know why sorry for you know cause sometime it just


uh for doing that I mean not purposely ya so trying to reason out ya


I think ya ya


ya to tell him uh upfront first ah to so that he he he he he can like waited for you outside and ya, like like my child I mean for child my young child see me at home now so when she she come back from school she will expect you oh expect us parent to actually okay this can play with play with them already you know all these


but err but I mean we are still working within we are still within the working hours so it's a bit hard but sometime the child really need need need need to explain to them ah if not initially is really very how to say ah


don't know what to do ah !wah! all come together


yes ya and and thing , and then you have done already I mean you also cannot undo we just have to explain and then see how we can do it better the next time round


part two positive experiences


last time I travel was last year late december I went to taiwan


that time was uh was okay so about twenty plus uh degree only uh when you go to up to the mountain area is really very windy and uh I mean is not, is only at the wind is really very big that you like you almost blow away so


no I didn't actually before my this taiwan trip I actually plan to go japan but because december is like winter season right


so and is christmas season also then uh and I'm I mean because I want to bring my I have a daughter so , I wanted to bring her to go and experience uh the disneyland there all the cute stuff but because of the period that we are travelling december


we actually err forgo this idea to japan because it's uh I mean it's snowing and then my kids still so young so I think in my and is the first time travelling so


that a lot of uncertainty so not sure whether the kid can actually cope or not so we actually did not go in the end


so the car is like actually err how to say is like wire, oh


[orh] okay okay


no I did not did not heard of this


okay, so that time did you manage to see the full view of it, ya ya lucky


okay sounds dangerous


ya ya not in this month also


err Onsen let me think, err in the hotel room


ya so it uh sorry in the hotel room so err because he wanted to, to try it and and then so the tour guide actually find ask a hotel uh with one built-in inside the toilet so it's uh quite cool I mean at your own time


and as as long as you want lah but of course not, very very long ah about maybe forty minutes but you can always go in the morning or at night when you come back from your from your travel outside ya so it's a very relaxing thing


it can do and so consider a private place ah because inside your room, uh for for this err for some of some of the room have and some of some don't have so actually requested a a one Onsen at least a Onsen experience for for us it during the whole trip so uh this tour guide actually arranged one for us


ya because I actually I used to you know travelling you need to plan a lot of thing unless you sign up with a a a tour, sign up with a agency ya for the tour group but the this time round I thinking cause is a very impromptu trip so is very unlikely you get a tour trip lah so we actually the do


go free and easy and then uh happen to know from my friend that actually you can just uh find a tour guide right, they will drive they will uh that mean rent a car service from there and then you tell them when do you where would you like to visit which part of taiwan do you like would you like to visit and she actually can plan out the whole road the whole itinerary for you so


that works wonder for me because usually I take very long to plan one trip and furthermore this is a, very impromptu trip so it saved me a lot of time ya highly recommended


ya err we had to taiwan we go to the feed the sheep so have another one is called the, uh err, I forgot what's the the name of the animal the animal is like a big camel camel type


and camel type sheep type, ah but suddenly I can remember recall the name yup uh that the high happen uh it was close think they have certain days of the week they are closed so this have to really check lah because


we I travelled from uh cause I travel around taiwan so you cannot go say like you want to visit this area at, uh this certain days of the week so we must go like you have seven days around ya ya so you you need to like spend one two day here and then go to the next uh part of taiwan so happen to be that day is it didn't open and then we didn't go and see


but we and managed to visit the the sheep is a very nice trip cause the it's a like vast of windlands then can the children can run around, and can feed so up close ya


no uh lastly I did not I I I actually one day before actually come back one day before because my daughter was going for PWA or that a lot of things to get her prepare so we actually


did not uh see the firework ya, the food there was err very nice uh very reasonable like for us three adult and a one child right we can just have a they have a like this uh is a store along the street so you can just have a like full


economic meal at about twenty dollar with I mean you can is very fulfilled very full and the food is very nice, it's uh but this one is uh not really street food this one is uh a shop is a shop selling like those economic


oh okay what what happened you mean street food is it


[orh] I think just happened just happened to be one one of the, not good oh damn bad ya


okay


okay ya, ya I love their Kimonos


oh it only disneysea in in the whole world it only japan


[orh] okay no I didn't heard of duffy before


okay okay will consider, ya because I think japan should I heard that the their transport system is quite quite quite good you can travel anywhere using their public transport their


their train right


so you actually take the bullet train one uh one stop by one along the way


(mmhmm) okay you having, ah okay for ah, ah for taiwan there's uh like I think more on food wise lah for taiwan more on food wise and scenic uh for scenery for you to to see ya food wise ya they have the oh one #mee sua# at their


the Ximending there and their their famous bubble tea, ah the ya is actually like shocks ah there are all now is ah very well maintained and the the walkway is very big ya so think for their


for taiwanese right I think they they at around seven o'clock by then by seven o'clock already have like dinner they work until like five plus so by then they have dinner around seven so you can uh from seven o'clock you can actually see a lot of uh like twenty plus


uh twenty plus uh those teenager or, or young young adult already like walking around enjoying their night ah night night life like that lah so now same like singapore cause I think that seven o'clock maybe you have would have just knock off for certain days or


or just on the way home only and you haven't shower haven't taken your dinner that kind of thing


so it's like wake up early and then go back home go back go back to hotel early I think


, (mmhmm) okay


ya I've heard of but the one at singapore just close recently right, I do you go to singapore one before


ya, ya ya I feel better at uh taiwan I mean not so stressful not so stressful like at in singapore


ya I think, the people there is uh friendly I mean they speak mandarin so I mean there's no don't really have a communication uh barrier and it's and I mean there's a tour guide who know taiwan so well so I mean quite feel quite comfortable and and


and if you need anything you can always ask them where the where to get all this thing so they have all the knowledge the experience ah to share with you, ah


ah, K that's that's good


ah okay


okay okay


ya I think you are the you are lucky person , I think I think for the first time you want to be in taiwan I think is uh you can try to travel around taiwan ah different parts of taiwan so you can like go Taipei


uh the #hua lian# Taroke is a a mountain but this mountain is uh a bit the road is very err very uh curvy ah the road so, !wah! almost we were almost want to vomit so this part ya it's pretty but they can drive very well with like two they know when to give our way to


to the to the opposite uh traffic ah it uh on the mountain uh like that , and they sometimes they do you know on the mountain they had like construction work right so they have like certain timing because they cannot just say uh stop the road and then you cannot use the road for like


one day like that or one hour like that so they have a section so like , they have this area right when you reach this maybe this say mid of the these cliff ah this uh this mountain right then you had to wait for ten minutes then they will during this ten minute they will start working on the road those thing so after ten minute then you get uh the car able to go ya


ya so like I think after five o'clock they have a lot of the this section so uh if you like come down from the mountain, uh very late so you will keep meeting this uh pause ten minutes ten minutes


ya I think if it change to I'm not sure whether is it click to another uh uh another app that it will just pause stop by it side


[ah] okay


financial related topics


okay so the first question how do you invest your money to accumulate wealth and or planning for your retirement,


okay how do I invest my money uh, actually I don't really do any investment, like on my own personally but uh I did consult a financial adviser about it before and uh this financial adviser


is actually my friend so I trust her a lot with it and, and uh she actually went through certain explanations about different financial plans, and uh from different companies as well and then she just advised me on the best uh


financial plan and I actually bought one with her and I think that's like the way I kind of saved and in like invest my money for the future


actually after hearing what you said it kind of reminded me that I had I have like, more than just one investment plan with the financial adviser I realised that actually since young, I think my parents bought like a


like a different kind of investment plan for me as well which I will be able to like withdraw a certain amount, uh after turning, thirty or something it will mature like, in twenty years' time and I think they bought it for me like when I was like around


like below ten years old, oh


ah for me uh I also don't have a credit card actually I applied once, uh but I realised that I didn't use it for an entire year, so uh I applied for it because my brother was talking about like the kind of perks that you would get and uh like what doris had said like there's a lot of incentives and you know like dining promotions and stuff like that but I realised that all these promotion and perks actually comes with your normal bank account as well so there was


actually no need for credit card and also I do, I do a lot of online shopping and I feel that if I have a credit card it will just caused me to incur more debts to incur like to spend more online


and uh ya that's actually not me, I think I'm a disciplined person, but still I feel like credit card is more of like a want and not a need, yes so


after like accidentally applying for that credit card I actually recently just terminated it, ya, and I think applying for that credit card actually gave me, they gave me like a hundred dollars, like a incentive for applying with them and when I terminated the card I actually got that hundred dollars


so, ya I actually gained that money from applying, that credit card for that credit card that I didn't, use for an entire year it was like left untouched


ya till now like for me so far uh I don't really have a need for credit card


what number two, so I think


what strategies I think like starting early and planning early is very important, and for big ticket expenditures like, for big ticket expenditures like starting a family buying a car or house uh I think it is


necessary to discuss with your partner about the kind of, house or car that you want and decide on your, like the amount that you want to spend first like your budget, first so like


prior to even starting a family or buying a car or house I think it's necessary to like have a conversation uh just sit down and I talk comfortably talk about like what amount you can comfortably afford, uh and spend on these things


and ya, oh yes so for you what do you think ya you would recommend to someone if they're planning for like starting a family or like buying a


ah yes saving


how much do I save a month, I think, instead of saving per month for me it's more of like a year because just now I mentioned about the investment plans and the saving plans that I have I actually chose to pay


per annum like, once a year instead of every month you know having it like subjected from my bank account I actually pay at one go in a year so in a year uh ya I do save quite a big amount of money and


also , I have a fixed, savings account as well and a debit card account where the debit card account it's a bank account which I can use on my like daily transactions I can use on a daily basis and a fixed account is uh an account that I will just leave untouched


uh and I will always put in money every year as well


oh why did I choose per annum uh no she didn't advise me on per annum I just wanted to pay per annum because I feel like if I pay per month uh having that sum, like minused away like if I see it on my bank account I feel like the the pinch I feel the pain so I rather have that one time I rather have that money gone like at one go instead of like seeing it like you know gone from my bank account like every single month


ya I guess it's a bit different from, yours is monthly right, , other strategies


uh, I think it makes sense to a certain extent but it's still depends like on each person right like how comfortably you can save and depends on how much you spend also,


on how much you usually spend as well like what are things that you need to buy, and stuff like that so, I think other strategies


I think another strategy that I would recommend is also to I think to basically reduce your expenses because a lot of times we are spending like money on things that we don't really need, ya reduce your expenses and I determine what are like your actual needs and what are just like purely wants or what are just like things for like


, instant gratification but wouldn't you know actually bring your benefit in the long run, and maybe one more would be start a side business other than your full time job, like a side hustle side business kind of thing


shall we just go to number three like just go down I don't know


any idea doris


ya I agree with you , oh managing financial commitments before marriage, I think, err you can be like transparent and honest about like how much you are earning with your partner and like your financial situation and maybe share with your partner and get understand more about like some of the measures that uh you guys are both taking to like accumulate


like what is mentioned on uh in number one accumulate your wealth, or uh investments and stuff like that, and then, then decide on maybe like a budget for like different checkpoints of your, relationship that leads to marriage for example like your


marriage party marriage party, your marriage your wedding party your wedding party your honeymoon your house, and like , how much to save before you want to have a, baby or something like that


I think it should be both parties' duty, so, ya I think can do it together I know like I have, friends and also actually my uh my siblings they are married and they use


a couple, finance management app, something like that so you can actually track each other's expenses and what they are spending what category of items they are actually spending on and then probably uh that's what I heard from my brother like they actually sit down like once a month to like


you know look at the overview and like talk about it and, see how they can improve their spendings and stuff like that


that's a difficult question maybe I wouldn't marry that person in the first place, , I don't know I think being financial savvy is like very important and it's like


one of the main criteria yes


I see there is a question at the chat box right


I prefer to go cashless definitely, I prefer to go cashless, because you know when you pay with your card you can actually keep track of what you're spending on rather than withdrawing and I just feel like whenever I withdraw I feel like


whenever I withdraw I feel like like the notes just fly on my wallet really fast and I forgot like I actually forget what I spend like you know on and uh ya having you know paying with your card and uh things like that actually that's actually like


electronic receipts right and also when you check back on your bank account you can actually see oh you spend it at this restaurant a certain price and also when your friends PayNow you uh there's actually like a note part where they can indicate what they are, what what is their purpose of making that payment to you so it makes like keeping track of your expenses really easy for me


oh I see, you can use like apps like Grab and ShopBack and stuff like that also to actually accumulate incentives points and stuff like that, so I think I will be going cashless


for life , do we go on to the next question okay stop button


negative experience in life


okay I will discuss the first question and I think I shared with you before so what are some of the hurtful words someone said to you that you wish to forget, so, I think uh recently was it this year yes it was this year earlier this year there was this uh


I used to have like a guy friend that I was really close to and we hung out a lot we had a lot of things in common and I thought that we were like good friends we were like brothers kind of thing so , everything just derailed everything just like went bad from a point where he suddenly told me that he was considering to to


uh to, take a step further in the in the relationship, so I was like kind of shocked and taken aback and I took some time to think I said like oh since you told me so seriously uh I will just like take something to to like think


and then uh when I was taking like time to think he actually told me that he actually told me about like several eye candies that he has like around his like uh workplace and stuff like that, so I told him from like a very like older sister kind of like


err position I actually told him that, ah you know you shouldn't do this to another girl like if you actually confess to a girl and said that you like the girl you want to take the relationship further then don't talk about other eye candies or like crushes that you have at the moment it's kind of like weird and disrespectful so the person took uh so after a while the person's pride was actually pretty hurt I think because he doesn't like to be told right


so he told me that , you know uh he said like you know I I I actually really like you and uh but since you know it's not like mutual then maybe I need some time to think as well and then he came back to me saying a lot of hurtful things like so I told him that


you know actually you don't even know me that much like you don't really know that much about my my my character and like emotional baggages that I have, uh and then he told me this sentence that I will I don't think I will ever forget like he told me that, so, when a guy likes you what other things can can he like you for other than your character


so, you know what he meant by that right meaning like you are nothing but, a nice character that means I don't have other things like I don't know looks, uh body and stuff like that, so he said if I wanted to date like a pretty girl


if I wanted to date like a cute a pretty chick I can just go for like a a uh taiwanese girl like he actually suddenly compared me to a taiwanese girl which is like his ideal kind of girl I guess ya so I think that's something that's like really hurting like I don't want to


I mean like, I'm not saying that like I I want people to say like I'm super pretty or or like really beautiful of or things like that but I think saying that you're nothing but like a nice character so what else can I like you for it's actually like the most hurtful thing that I've I've ever heard, from someone


and I wish to forget because it affects my self esteem a lot


I think this is also the situation that made me feel really angry and disgusted, ya, so how about you any anything that makes you feel like really angry or your own situation or maybe your friend's situation you feel really like disgusted you felt really disgusted


or angry about something


ya definitely


I think it reminds me on like the point of like you know like how , reciprocity is like very important in in like a friendship as well so like if if you're always you know just like one sided like you know sharing so much about yourself and you and your friend is not sharing you know like what's the point of like you know making yourself so like


naked in that sense and exposed in front of someone that doesn't even tell you anything about like herself so there's like this, it's not balanced it's not a balanced relationship and gets like really tiring in the long run and uh I definitely have like similar experiences with you but there's no need to like


end or like uh cut the the friendship with that person but more of like like eventually you know , who to like share things with and who are just like friends that you know go out and have fun and like try like new food, together and and stuff like that and just like you know shallower and like simpler


more casual topics


ah ya definitely, yup okay , ah no definitely no I think I was really like transparent there was like no walls like around, me in the past but I'm I'm like way ya I'm a lot better right now


I know like, who to share things with and who to like you know be just just be more discreet and ya there's no need to say so much to people especially when you open yourself up to someone that is not empathetic and then you receive like comments and , and things uh and you hear things that actually hurt you again like


you know it goes one big round and like hurt you again so there's no need to be like so vulnerable in front of like, everybody I guess you choose, like who to say things certain things to, oh, are you there okay okay so maybe we can talk about another question


, which one what makes you stressed


uh, I think uh conflicts in my family makes me feel really stressed uh I come from a really big uh family I have a lot of siblings, and it's quite a complicated family in that sense because uh we have our own family business and ah I think my father he he's an entrepreneur he started the business and


he is always bringing work, back home, and uh sometimes I can tell that my mom she just wants to to relax at home she just wants to enjoy a meal without talking about you know things that happened at the company in the company uh without talking about work


but my my dad is constantly talking about work and sometimes and because also I'm helping my parents with with their with the family business right I'm helping with the family business so he tends to like talk about his business plans his, goals and everything at the dining table and my other siblings are really really uninterested and uh


and also because he's old and you know people that are older they tend to be like a little bit more naggy so like sometimes when he talked about his business plans he has actually said that for like maybe at least five times, and ya it makes me really stressed in that sense I I'm stressed because I know that my other siblings are not enjoying the conversation I know my mom is unhappy my mom doesn't wanna talk about it and I'm also stressed because it's my eating time right this is the only time that I can relax at home yet he's talking to me about like business plans


and like uh the next steps to take and what he wants me to try and stuff like that and uh it not just happens at dinner time it happens, at breakfast, when I'm trying to like enjoying a coffee and stuff like that and also even before I sleep like sometimes he would just come into the my bedroom and he will just like talk to me about like how


uh like like what what we should do tomorrow in the office and stuff like that and uh because like he is an entrepreneur so his, I do admit that like my father is very successful in his career but


he tends to have like a I think it's an entrepreneur thing like a little bit like narcissistic so he's very proud of his achievements and you know most of the time the conversation at the dining table conversation when we are together as a family it's uh always directed it it's always about himself


ya so I think that makes me really really stressed all these conflicts and and the atmosphere at home really makes me very stressed like, walking on eggshells at home kind of thing, ya , yes you know me well yes so I don't like the atmosphere at home it makes me really stressed and I only feel myself I feel the most comfortable when I'm in a cafe


uh maybe, uh maybe you can share first because I, don't think I really have pet peeves, ya maybe you can go first if you


okay uh share one , share your biggest pet peeves


I think uh ya pet peeves is like something that you really like really triggers you right uh I think for me uh it's actually like excessive usage of singlish, I think it's like my pet peeves maybe it's because also because of I gave I gave like


tuition for uh, english right private tuition private lessons I think when, when someone uses like singlish excessively like not just the normal kind of singlish like the singlish accent plus like


english mixed with like malay hokkien and , mandarin it makes me not want to continue the conversation with that person especially if the person is, a guy it kind of like I don't know I just I just can't ya


so I think that's my pet peeves, that's my major pet peeve and also maybe someone that is really really like picky about food, I think ya that like


triggers me as well, ya I think that's you I'm sorry but ya that triggers me ya ya


yes I know oh my gosh


I think I what I don't like like the reason why it actually triggers me so much is because I feel like they are, I, feel like it it you know foreigners when they watch the video, they will have this image of like singapore is like a a you know it's like with like citizens that cannot speak good english like they cannot speak good english cannot speak while they don't speak good mandarin either so


you know what what language are they good at like, I feel like it's a like misrepresentation of singapore in that sense I feel like there are people who actually can speak good english and they can enunciate every word properly and and and people from overseas can actually understand them


yeah so all these like famous YouTubers like the kind of english that they're using some of them not all ya actually triggers me so I don't watch any of like their their videos like the smart cactus the is it the smart local or something ya I I don't know I just


can't ya


positive experience in your life


uh ya I guess


, , ya I think maybe describe a moment maybe a period of time I think the circuit breaker


uh actually turn out better than expected for me uh at the start of it I think I was feeling very, upset because I'm someone that's always out and about, and I felt like I couldn't be kept to like the you know the confined spaces of my house and uh I thought I will be like really depressed but I started like


cleaning my house I started cleaning my room which was really messy and now it's like super neat and organised, and ya same as some you uh I started to sell things on Carousell and I actually earned quite a few hundred dollars from selling my old furnitures and a lot of clothes that I


actually have left them untouched for the past year and, ya I didn't I think I didn't expect I was just like taking photos and uploading, them on Carousell just because I wanted to kill time and actually have something to do uh I didn't expect people would want


these things that you know that are like what how do I even this that are like not important to me I really don't want all these things at all and yet people are actually paying us for the sum and they even like come down to my house to collect these items so


ya I think that whole period turn out better than expected, and because I was always out and about I was always like socializing with people that period of time when I got to stay at home and really you know be quiet and have that personal time and space uh I got to like reflect on a lot of things


that I was doing in the past year and I think it was a a good time uh for me uh I think I became like more introspective as well and also because of , how you know there there's like no more distractions like when you go out and meet a friend versus you calling a friend I realized like a lot of differences when you actually call a friend you talked about so much more things because there are no other distractions right like you know when you meet at a cafe you'll take pictures of food and stuff like that


so I actually realize this period of time was, not just a discovery phase for myself to rethink about things but also a good period of time where I got to know so much more about


what do I love most about myself , yes I'm able to answer that uh, what do I love most about myself I love my


uh empathy for other people, and tenacity, okay just the most right, okay my tenacity maybe , my tenacity to like uh my determination to like whenever it comes to like learning


something I'm actually, that kind of person that wouldn't stop until like I master that certain, thing like you know be it like learning a language or like uh starting like a