it's not the it's not politically right you know to say and number two it's like she's missing the point it it it it's not like, I mean obviously all life is precious but like, like you are taking the voice away from black people lor and to say that all life matter it's like it's like people are are marching for breast cancer and then you suddenly tell every body all cancers matter you know that kind of thing so it's like calling attention away from from from that that


from black people lah the the the violence and the injustices that they have to face, so I was very angry with her lah but obviously I didn't argue anything I was just like I just unfriended her lor because you are like you argue with her also no point lah so I just I just leave it at there and just unfriended her


so okay


okay


uh prompt two out of four okay, okay uh so ya I mean, I travel alone like every single time


because partly because my friends they got no money so I travel lah and also because I enjoy travelling alone like it's a very nice experience and you'll meet all kinds of people, ya I remember the first time I actually travelled alone was like two thousand fifteen like I took I took unpaid leave of my first job


and then uh ya just, went on a plane to where ah to, to #gold coast# and then I sat beside like two kids at at first like I was like oh no like the kids will will confirm cry one and then they will like sitting sitting beside kids lah usually they it's not very good experience lah because they will throw tantrums they don't want to sleep because it's a midnight


midnight flight lah and then like I'm afraid that the kids would throw tantrums they don't want to sleep or or they will be very fussy or something like that but actually it's very like I was very surprised and it's one of the best experience like, and uh with with kids lah like because they were very polite they were very polite and they were very quiet and they were very


very uh well behaved lah two kids one boy one girl, like they will like Angmoh one lah then they ya they were very quiet and they were just watching the ipad then when it is time to sleep the parents just like okay it's time to sleep can you give me the ipad they just


they just quietly they didn't make any noise they didn't complain they just give it back and then they just went to sleep like that lah without any fuss, and then ya and then I like I remember there was a, mealtime in the middle of the night i don't know for a reason then they they have to wake up and eat and then one of the boy beside me he he got trouble opening his tray table so I helped him and then he just he just say thank you to me like without prompting or anything he just like thank you


then ya this is a very nice experience then lah because my my other flight uh from, home lah actually home I think I was going home from canada, they got a baby there the baby was crying like three quarter of the time like not only just crying it's like screaming so it's like yeah I had a very bad headache afterwards lah


oh the currumbin park with kangaroo and all those


I remember I was sick like for almost half the time there (), so it's not a very good experience for me but ya, ya I mean ya I mean personally lah you can continue


what kind of massage is that full body ah, !woo!, oh the hot stone ah, !huh! ah !wah! Shiok ah, I heard a lot of people say what thai massage thai massage like ya I've never experienced before lah but I heard like everybody is very enthusiastic about thai massage


Disneyland


oh the Buzz Lightyear one is it !wow!, oh USS ah


!wah! I cannot ah I will vomit one ah, I cannot some more I alone nobody take care of me ah if I go there ah I vomit ah that's it nobody will take care of me


okay I don't know why people want to sit on those roller coaster I really don't know I mean like !aiyo!, that time I sit the Scooby Doo ride ah don't know what thing not no nothing one lah nothing much what !walao! I want to vomit already ya


I heard the jurassic park one the one the Universal Studios jurassic park one also that one also very extreme lah, ah !aiyo!, I see y I also see people down there then I mean I see the tracks and all those everybody screaming then I see already I don't want like because again


like I I got nobody to take care of me if anything happens to me I was alone, so ya lor I don't dare to sit ah like if got people there I don't mind lah maybe try try lah if we both vomit then both vomit lor but I cannot if I go alone I don't dare have to take care of myself


oh is it


no lah you you want to pay extra for for express ah, !huh! so good ah !aiyo! I don't know leh I just go the single rider one the single rider one is as good as


ya what ya lor so it's as good as express lah then you don't have to do any any troublesome thing to get express ticket but the the thing is that Disneyland don't have that don't have like single rider, the Disneyland they just !aiyo! they don't care you one they just you queue up means you queue up lor unless you buy the express ticket lah which is very expensive I heard and then some more the ticket also is got time one


then like even if you got money to buy ah doesn't mean you will get like immediately one then, you have to wait ah they got slot one then some of the slot is like six hours afterwards then it's like what's the point, that kind of thing lah so ya [loh], the Disneyland is quite strict one lah regarding


!wah! so good ah, oh really ah I only go to the Winnie the Pooh and the few one ah so cute ah that one


Toys"R"Us Toys"R"Us, toy story ah


oh !aiya! !aiya! for me it's like I went one day only then then uha lot of people then my bag very heavy and then very Sian ah I queued one ride for one hour how you going to sit all the ride in one day I mean ya [loh] I really queue down there I want to die already


then I just think I sat three rides and and then there were a one or two ride that I was lucky enough some of the rides are like got exception one got single rider lah so okay lah then if not most of the rides like ya most ninety nine percent of the ride is they don't have single rider


so I just have to queue lor, I mean I cannot strategise this, cannot already like it's because also like peak hour already lah like a lot of people so I just googled and see what is the ride there's one website that said the rate of the rides so I just see the highest few highest one and then I just go and queue [loh]


uh ya okay lah in the end not bad lah quite interesting rides, I remember that time I went to canada uh ya [loh] last day [loh] then like I was I was in the where ah kensington market and like cause near my house


if near my place there then uh you know just walking there minding my own business suddenly one whole bunch of naked people oh on bicycle and motorbike, ya apparently I found out it's world naked day uh something like that and then there were, were just one whole bunch I always like minding my own business suddenly like !woo! !wow! one whole bunch of naked people


like really naked you know like they really naked and then they just like happy naked day and then they just they were just go one whole bunch of people ya [mah] I got a I got a video of them, I don't mind


but it's fun ah ya, like everybody was staring but I guess most people are used to it lah because they they are down there they lived down there anyway every few years lah they will they got a few countries that host the naked event one and then like that year it's in Toronto lor so well then I happened to catch it


and yeah but in canada ya my experience in canada is very, nice lah is uh the other side of the world it's like exactly twelve hours of time difference, then ya uh uh one of my favourite places is the royal Ontario museum it's like


I spent three days down there like three almost three full days lah there because the museum is just so big then like if I cannot uh but I thought like maybe it's like singapore that kind of museum like, see see a bit already and then can go out but then apparently it's very very big it's very big like ya I went there


I thought like I can see like I was looking I was actually reading the reason why it took so long because I was reading all the


I think they call it the diorama or something like that like you can see how big a moose is how big a grizzly bear is or big like like there this one there's one uh exhibition of, whales that that suddenly they suddenly a few bodies of dead whales washed up in Newfoundland


then uh ya lor then they collected the body and they studied [loh] how come they die all this kind of thing and then they cleaned the whole body the skeleton they exhibit there then the whale it's like really very big and it's not a full room it's like, I don't know I have to walk walk walk for a for a few seconds before I almost one minute lah before I reached the end like from one end to one end lor then


they actually they got like specimens of the whale poop for you to smell not smell lah like see lah and then like this guy one of the professor he he he was there at the site, like excavating the the body the organs and all those kind of things so he he was wearing this watch and then it stopped working so he donated it to the museum then you can still smell the the the the smell of the


the organs and and all the the the slime ah it's like they got hole for you to smell it's very it's very pungent lah, ya then the heart of the whale is like almost as big as my room ya I can actually crawl inside one of the artery


ya but they got this tipping culture which I'm not used to I'm not used to and then I feel very bad when I came back to singapore I realised that actually you have to tip and then no wonder people are giving me like funny funny looks because you actually you have to tip one I didn't even realised that like I should have


ya I should have researched lah but I but I I didn't realise


!huh!, what you mean ah why ah, oh


oh !aiyo! titration ah forgot what's that already, oh


!aiyo! okay


good riddance


ya, uh you sill gout four minutes do you want to talk some more


!huh! she gave you extra dumplings ah, !huh! okay


ya lor I guess I will close this uh I mean, I don't know I guess I when I was in Toronto , ya I know I feel like as though I was in a movie set because a lot of a lot of TV shows a lot of movies they're actually filmed in Toronto lah so your train


the train uh the scenes in the train and all those the train station it's it's all like like canadian ones Toronto either Toronto or Vancouver, but ya I I was there and then it like it feels like as though I was in the movie like that then got all kinds of weird people and then got like people singing to himself in the train


ohoh this guy he, like the door closed already like literally closed already but he he just forced it open then he he just go come inside the train like nothing happened and then I was looking at him he looking at me then he smiled at me just like that oh it's like nobody nobody cares and] nobody even looked at him I was the only one looking at him


yeah then uh, ya lor then I went to a restaurant apparently because ah I met my friend there he's canadian ya and then he he and his boyfriend he bring they bring me to this place where apparently avril lavigne went twice, this this japanese restaurant ya it actually quite nice lah and then they paid for me they treated me to the dinner then it's quite but it's near their house but it's quite far from my own house


and then like I don't know yup, yup in the end we were we kept talking and talking and talking then in the end it was quite late so I took the cab home they helped me to hail a cab a cab, then they tried to call the company to book the cab all the kind of thing I don't know how it works lah because it was very difficult to find a cab there


there like quite Ulu place lah so they called the company then finally they managed to get one, then the driver he's like driving as though he's in a car racing movie that he keep, !wah! I don't know like his speed is like hundred kilometres or something it's like I where was like grabbing the the edge of my seat lor like I was really very scared leh


like they like we're going to crash into somebody but he just swerved in and out of the traffic and then he he keep swearing and pointing middle finger at other people like I don't know for what lah then, but but I mean I was like a bit very scared of him lah because maybe I thought like he was going to be very aggressive with me as well but apparently he only did it to other people but then when he talked to me


it's like suddenly I I'm some VIP like that then he he kept say oh I hope you have a nice trip then he open the door for me or something like that and then do you need a a a receipt then he give me the receipt it looks like a business card, like their receipt is all very not like singapore that kind of like lousy the ink will fade in one or two days that kind of receipt it's like business card that kind of receipt one in japan also


like they give you the the the receipt they ask you for receipt uh is, really a card like a very high quality thick thick kind of material ya, ya so twenty minutes


one over four


question one lah


and then on my end ah for my side uh I think I


my parents have arranged for me the this hospitalisation uh insurance think by NTUC income, yeah so uh what I do know of of it uh is that, uh just like any other uh hospitalisation uh insurance plans that singaporeans have there's this uh MediShield life component the very basic one then followed by if you want to sort of like upgrade it you can uh have the integrated shield plan


and then of course if you want to cover uh all your cost uh in case like because uh what I know of is , ninety percent of the hospital bills actually uh can be borne by your uh insurance but at ten per cent minimally as to be a uh


provided in by cash by by where uh by yourself when you were a hospitalised uh so to cover that part I think ah there's this uh cash rider that my parents have also uh opted in for so that actually covers the remaining ten percent and uh in fact the whole hundred percent of the any hospitalisation bills that I have to pay for uh if need be lah


ya but I was thinking uh maybe in the future of uh if I do need to get some uh insurance uh besides the savings uh plan uh maybe I think I would like to go for the term life insurance, uh mainly it's because actually I kind of uh read online on those uh money smart or those uh blogs and also financial blogs they actually give quite good advice so I find it uh


, under term life insurance there's a few components like terminal illness uh total permanent disability or even if you like to top up uh you can add a uh critical illness component to it ya so I find that this is quite comprehensive so I think uh


when it comes closer to maybe I think of buy ah after this COVID uh nineteen uh period because I think now the insurance premiums can be quite high so I think I guess wait until then but uh this is part of my plan uh it is in the near future lah


thanks ya so you could ask me if uh


others may they're asking for advice on whether should they go for like uh insurance agent or should they like do it uh way uh by themselves like using their own uh research and own uh, reading up I think uh it will say it's a nice balance because I that I do know of uh insurance and uh I mean like relatives who may have a bad experiences with insurance agents before


like what my sister has already mentioned uh they really try to uh uh sell you the most expensive one more than what is uh necessary lah, ya so I think uh my advice to those who may want to uh buy some insurance at this uh young young point in life uh is to first do their own reading up and then uh eventually uh ideally you would be to find a nice uh insurance agent that you will actually can can really trust and everybody has your best interests at heart


uh because uh that will help to , solve any uh issues you will have because you're not financially like ya smart, so you you may not uh know the process of uh how to claim all those uh uh


things that you need to it uh if when it comes lah ya so I I personally find it has to be a balance uh, because it can be quite tricky if you do it by yourself so I think uh okay an other day I would still recommend uh financial adviser uh but someone who who you can trust lah


so I think ya at the end of the day it's really uh good that uh one and even though at young age uh if he or she starts to plan for the future uh not


uh I'm not not not saying this because uh afterwards insurance also say but I uh very I find is uh very uh, practical something practical that can do for yourself to prepare for the future lah ya so aside from those uh insurance plan that covers your term life or your hospitalisation I think my sister has to mention savings plans are also important lah


ya so I think but for as well as for the other uh types of insurance like dependant or travel or motor insurance uh yeah personally I think at the moment it's not necessary so uh, ya


, yes so I so it's a good thing that I find that uh some of our family members have actually some financial background ya so usually when we have any uh


difficulties making some decisions or some investments uh, uh buying which insurance you actually uh consult them first like for for our aunt ya you were saying earlier on she actually does advise for our first few years of uh making


uh working in a job ya we should uh tried considering fixed deposits because those are more stable and uh, and ya they actually correct for I mean like maybe two years one year two years or some even even five years, ya so once you have slowly build up your reservoir and portfolio you can actually uh increase them to other form of uh riskier investments such uh but with higher returns lah


after that again it's really dependent on the individual but I think uh ya so individual can really consult their family members uh can consult the blogs can uh consult their uh financial advisers uh if need be for making us decisions


insurance agent I think, ya first and foremost I think uh I will start if I were to look by myself uh for certain uh insurance agent I will ask for some recommendations among family and friends


ya and then to from then gauge the character of the uh agent himself and to see if uh think one telltale sign is to see whether does he like uh, push ahead with uh his ideas and I know you shouldn't do this no you uh you know you should do that or does he just give me a


you know the professional way help me to decide uh for myself uh what is uh best for my situation ah ya so I wouldn't really uh, do it very quickly I will try to ponder over a few days or even a few weeks before committing to any insurance agent or any insurance plans lah ya so far I guess that's uh my way of doing things lah


ya so I was thinking you are looking at this uh point number three it says uhuhand do you mix insurance and investments or do you keep them apart lah


ya uh personally I know of uh individuals who actually like to mix both of them uh because it's like some of uh win win situation ah I think, uh, uh family member family member ya so they mix insurance investments uh I think maybe used to be very popular in the past lah what I heard from another friend is uh nowadays the


they many insurance companies don't really have this option anymore lah ya because uh, sometimes you read on a blog uh blogs financial blogs they actually say it is not as uh good as it seems to be uh because while you actually for this uh half insurance half investments you actually are paying a small premium every


every month to for the insurance part and uh as well as for the investment part lah obviously in this case due to the half half the insurance is not uh very uh full coverage of uh what you very need in future so I personally would advise individuals yeah to


to actually uh split out the these investments at into one side and insurance into one side so they can have uh in that sense a better win win in like a better coverage of the insurance or full coverage of what their personal circumstances need the investments uh don't don't risk it and uh to really stick to the most uh more stable ones lah


myself uh still currently building up my own savings so I don't have the uh kind of uh resources to go and invest but I think uh once uh


once in a while my aunt will actually uhlike maybe however small amount much I have uh she will gather some small uh, to make it a a lump sum and so that she can put it into one stable uh big investment lah ya but I think uh


so aside from uh while investment is a good strategy to actually uh build your wealth, I think in the long run uh one should really stay away from those risky ones like timeshare because I do hear like of uh people having uh nasty experiences anyhow they being cheated of uh all their savings lah


so while one wants to uh invest he should do so if he have extra supplies not he's uhsavings and his basic uh retirement his should let his children use this funds instead, wonderful


[oh] now I stop twenty thirty three second


oh good thing you've never mentioned this uh point during election joking joking joking okay ya uh you got any


yup for me is uh one that sort of a negative experience which I think everybody also has it's uh not being able to travel


okay ya it's uh not being able to travel during this uh COVID nineteen lah because actually uh me my brother and some of other family members we were preparing to travel to the US uh, ya because of the COVID nineteen we were we were not able to do so uh


ya so in some sense looking back can be a good or bad thing lah you know, ya but I thought I was quite uh sad because my brother me and my brother haven't travelled in a few years' time uh I'm like arranged for my brother lah due to personal circumstances, ya so I find that now even in singapore it's quite uh Sian to go out everywhere because everywhere you need to have a QR code scanner everywhere there's a long queue and


and uh ya of course you actually go about some people they do not really uh take precautions necessary to like cover their their nose or their mouth I mean ya they only cover half of it or they may not even wear sometimes ya so I find it's quite uh dangerous uh


not just on the health aspect but there are also eventually it will affect uh economically speaking so think for the freelancers or for those who like shares or those F and B or a tourism industry be quite sad for them to to overcome these uh next few years lah


no choice lah but to make use make do with it during the COVID nineteen


I think uh meanwhile others are sort of negative experience is uh they actually recently realised that uh one of our family members has uh got was caught in the scam so she actually lost quite a few uh thousands of dollars ya


ya so a bit so a bit Sian lah got to help uh, at that point in time had to do a lot of this uh I should say paperwork for that for that person lah for that relative of ours ya so I think uh maybe on on another note uh a another negative experience I can think of is uh


I have I have uh I personally have insomnia for many many years already so it's uh quite uh Sian quite uh distressing to be not able to sleep everyday, ya because even though with my best efforts to avoid caffeine avoid uh bright lights avoid uh electronics late in the night and uh


uh good sleeping hygiene no lights no I mean like the, room temperature is is good is uh well circulated I still have uh trouble sleeping lah so, over the years I kind of uh tried uh different different


sorts of treatment like uh maybe deep breathing or could be meditation or could be start trying to take some health supplements but uh so only what what only works is uh by taking melatonin uh, uh every day lah so uh it's quite


so far okay leh some people, individual different individual different different people different lor


actually I need more lah, they manufacture it more the more stable lah the dosage of melatonin inside


for me so far so good lah actually I see just what helps me lor different individuals some say melatonin don't work they try another herbal substance it works some is uh for me is the opposite [loh] melatonin small dosage is good enough I mean


ya so actually I remembered in the past like we sleep at twelve or two you know AM considered late for me lah so


a lot of topics you have to try try lah


justice ah justice uh okay lah let's talk about justice lah ya


something to wrap up I think uh in singapore we actually can find it to be thankful of uh even though people out there in the world suffering many many uh bad disasters and uh injustices singapore is still


prompt two over four


think myself ya travelling also didn't really travel much uh a bit sad though because I can't really travel to I mean places in COVID but I think uh thankfully I was able to travel uh one year at least before uh COVID and uh few years back also


uh few places that I went to was australia thailand and japan uh what I liked about australia was actually that was when I was very young so it's like the first few times uh when we as a family went out together and uh we was one uh, we went #gold coast# right ya went to see went to the zoos we went to the


correct, ya so it was quite nice uh then we managed to buy some uh very like antique uh, Coca Cola bottles lah glass was made of glass ah ya sot hat was uh a quite nice experience since it was our first time I actually remembered we were travelling on a Singapore Airlines beats more though


ya so quite, okay lah overall yeah so, ya so the second trip was to thailand what I liked about it actually the highlight was the thai massage lah cause it was first time uh it was quite uh that the lucky thing was it was just uh below our hotel where we were staying


ya so quite affordable also I think maybe, one hour you only get maybe about twenty dollars per person sing dollars ya so that night I had a very nice uh comfortable uh night sleep full body lor then they they used that uh what's it called that hot


hot hot stone then it's filled with sand lah quite authentic quite thai lah but ya ya so quite quite like interesting lah


so the first thing uh then it's the first time that I already ah get a good night's rest uh in my life lah so ya find it really looks like you go there you can massage every day too bad you will need singapore then of course there's next place is uh in Batam, I think the next uh the travelable place ya I think the more reason why is a japan thankfully I was able to travel at uh one year before the COVID nineteen so ya what I want to about japan is uh


uh ya during that time we actually uh me and my dad we went to the all the what you call that ah what USS ah, not resort think back lah I heard Disneyland like Disneyland uh the land as well as the sea one disneysea then the other one was uh Universal Studios japan lah


ya actually it was quite cute actually like even the the Lilo and Stitch over there it was like self animated self talking trying to talk to the children kind of like you know poke fun of uh individuals by taking a camera and say !hey! I caught you got lah but all say all in japanese lah so quite interesting uh even though I didn't understand I find they're human very cute


ya so and of course they're over there the people were very nice and very uh helpful lah yes well what about one of the thing I want to highlight that I like was actually the roller coaster it's my first time uh trying the this uh what's it called,


space ah space mountain or mountain space no no no ya I think mountain space mountain ah space mountain USJ [bah]


ya the space mountain ya so it was like basically roller coaster in the dark lor so it's like they they can see like uh they're still this their so called make uh self-made stars all over


ya so I almost wanted to vomit but ya good thing ah can can control before the like the urge to vomit lah ya but other another, once in a lifetime experience was pay forward just go and sit lor


also not bad, okay I find that one quite good quite uh new first roller coaster they go backward correct ten over points ten over ten lah can lah I sit one like scared already


but think about the the jurassic park because it's really really very extreme lah so it's like the drop can be like ninety degrees down you know so you are supposed to be like flying with the dinosaur, ya so good thing is in japan is they're quite organised so uh after doing some research online and uh


ya doing my homework before going down there uh and I realised that there's this uh express ticket that you can actually uh kind of book in advance ya so we make use of that then you were able to uh, no the express ticket is you you use it as a how should I say it's free one lah but it's free like limited one hundred first uh first few hundred will got it [loh] oh single mother also can ya


but I find that so far there uh mean we went there to Disneyland within three days so one and a half one and a half each ya so we're able to utilise the ya went for all the rides lah maybe because when you beat it


uh their Toys"R"Us quite cute also lah, the one that was such a such uh what's that toy story ah toy story lah quite cute also lah because that it can it shoot like a virtual balls like that at the pins ya


that's why


this one must strategise [loh] for me I hop around the the different worlds


Siao ah


good thing singapore don't have ah or not I will get in trouble already Siao ah ya bye,


ya yes different country different experiences lah


sad now cannot travel, you never do your homework leh


y [l] I think ah other I mean in that case like other other uh small positive experiences that we that I have uh aside from travelling is like uh, there was uh this time when I was uh in uh O levels to get my O levels so I thought uh it was very uh very bad uh because I mean I I thought I would fail lah subjects lah because first my english was incomplete my english comprehension english uh


ya those letter writing also uh were incomplete and my chemistry I kind of like eh you know doing the experiment in the lab doing the titration kind of uh spilt the the orange uh dye lah , but in the end ah chemistry chemistry lab mah doing the titration mah ya so you you spilled the chemical [loh]


not my fault mah because the container never never secure properly so even there's no screw it's just like you know, uh loose you try to mix alkali and uh acid together to find uh balance point lah


ya so anyway ya it's quite I went quite uh dejected at home but at the end of the day when the O level results came I actually was the first in the school leh, so quite a big surprise lah I didn't I didn't even dress that well on that day because it was like I thought maybe I will be the last or something like that okay ya


so the only difference between me and the second student was I took A maths and the other person took uh POA so uh, unfortunately the POA is usually harder to score and harder to get an A one lah it's either a B three or A one uh for me A maths is quite my quite my strength so I was able to get A one so in the end ya top of the school and then get some uh prize money and hooray end of uh secondary four lah


yay, any other small experience, okay now one more small experience that I had uh can think about I uh I mean like


except whether you have some more to say for yourself uh like think quite nice uh, simple experience that when I was in a polytechnic uh I was just eating my own dinner I'm trying to order one lah so since there was nobody behind me the aunty was quite relaxed trying to you know cook


me a bowl of I think dumpling noodles ya so I just took the just took the initiative to ask her how she was you know uh, how whether she likes her job and now you know what is it uh how how her family back home ya at the end of the day ah, she she actually served the dish she's like keep quiet the money then she's like pointed inside then she pointed at the camera and I oh oh oh thank you ah thank you ah


ya lah extra dumplings uh okay [la] like a uh ya small act of kindness uh, uh showing concern for others people in the end also they did what they can to reciprocate lah


oh part one financial related topic


okay so I guess uh most singaporeans will have a savings account uh do have one, can you hear me, okay do you have a savings account


so which one do you


so which one do you uh prefer which is the best give you the best interest rate or best service


okay for for me here I think I'm still old fashioned I prefer to use pay by cash if possible and whether buy things I still prefer to see uh the real thing and make sure that there's no defects because I hate uh going to exchange items


ah okay, I know it's more more more convenient ah yes ah ya because it's you are right ah so I'm doing it only when when necessary lah so some parts I still do it by the cash some parts I still do by this one


but majority is a cash transaction because I think !huh!, (uh huh)


ya I know correct ya


ya, ya I agree agree


!wah! okay, okay , okay sometimes I use the the NETS ah NETS for the MRT card so just use to pay by that also that's also quite convenient


ya so because the thing is that uh the problem is that what happens if you lose your phone or whatever thing so I tend to maybe small transaction use NETS uh so it's much more uh careful lah, I think make sure that keep keep the amount small lah because you can use it for MRT card and then just a small amount then so is much safer see


ya, ya lor so that that is that is the that is the thing so cashless transaction is the way to go going forward so we will have to embrace this ah even though our age wise


ya so I think the other thing is that I think one thing I don't really like now is at the bank interest rate is actually very low lah so I think that is very very sad ah so whatever you save I think you earning nothing


it's pathetic ah last few years before when the federal reserve cut the interest rate the interest rate is still a bit better but now after that is really uh horriblelah, last time I used to have the maxigain account from Citibank !wah! it's really now it's really very they cut until very low which is very sad


ya ya nowadays like everybody is like the stock market is so hot everybody is going to the stock market but !wah! it's very dangerous now


so but we don't know we just it just keeps going up and up so it's I do not know nobody knows how high or how, will it go, how high it will go and then uh just make sure that we don't be the last one, uh the holding it when we actually do a major correction


whether you like it because last few days it really shows that when the US and china asked, each other to close a consulate uh their , (pop) the stock market is corrected quite uh rapidly already we can see that


so okay so which like credit card you still prefer to use credit or debit card


reason being any specific reason


ah agree agree there's a cashback card also which is you can


agre


okay there's a safety element in it safety wise is uh safer, agree totally agree so are you still prefer to use credit card, uh but I think compared to credit card I maybe it's either payment by cash or payment by NETS I think that is the most simple one especially for small transaction


ah paywave yes, ya, yes


okay okay understand understand so now which like uh do you if the savings interest rates so low so are you doing uh like looking at investing or just park your spare cash in the bank


okay that's good I think ya because the the inflation is eat eating away our savings so no point keeping it but we still need some liquidity for immediate needs but not uh the bulk of it lah, we need to invest wisely to preserve our our capital, so okay


shares is good lah, so far it's okay because especially uh invest in the US equities US equities actually goes up a lot much more than singapore equities so it's actually the return is higher


oh okay , !wah! that means looking at china's stock china is actually very uh volatile it's my friend actually


gungho type ah high risk high return, okay for me I just I think I'm usually a bit more uh conservative I would buy it uh maybe uh


bank shares in singapore when they have corrected significantly I just buy and keep out there lah so, correct ya because uh the bank shares in singapore actually very uh


quite good investment ah they give also very good dividend so when they drop significant, oh are bond or currencies are like uh aussie dollar, uh ya but I think is like aussie dollar has dropped a lot but still okay lah my not break even


uh it's just breaking even ah because it's dropped a lot and it came up aboard come up a bit already so, aussie dollar is uh uh for investment wise and then maybe for my holiday purpose ah because uh I go there quite often for holiday, buy some


yes you are right this year is a good time for savings because you actually cannot do anything ya so so you cannot do I think you can save on your this uh travelling expenses


I I will not buy any air ticket right now lah because we really do not know when that this uh government allows travelling, uh going when can they allow travelling because the reason is very simple the COVID nineteen unless there's a vaccine found if not ah quite


no leisure travel is actually uh, estimated lah so, ya so there's even Qantas to say they they came out to say that they do not expect any leisure travel uh, until maybe the first quarter or the first half of next year so no matter how cheap it is I think I will not buy any ticket right now lah because the going forward you never know


the longer it drags ah the more desperate airlines then they may have even more uh better promotion, so, it's very, it is very tempting but you have to one thing the risk is that what happens if the airline actually went bankrupt if the


ya so even like SIA is being billed out by the singapore government so uh ya so even Virgin in australia is actually bankrupt already so we have to be very careful no matter how attractive the pricing is I think the


we just have to very careful lah so that's why I will not buy now, yes so it's, uh no lah I don't have joint account with her lah so we have own uh separate accounts do you have a joint account with your husband


uh which is good lah because for me is that no lah we uh do separately and because I think she likes to spend so much later ah the money goes very fast that's what happened to my friend their joint account


so they they spend a lot uh the wife overspent it is so ya so it's not sometime, so sometimes it's not much how much you earn ah is how much you spend, if you earn a lot, ya habit is it he earns a bit he earn quite a lot but then his wife spends a lot so his savings actually not that he's complaining to me in the last few weeks


so now ya because of the job wise there are the COVID situation people are worried about the job you see that's why the savings come in very handy now


I think joint joint account is good if the both sides are discipline if somebody is not disciplined so joint account cannot work, discipline is very important


of course, okay maybe that's a good idea, that's a good idea for only for household expenses


okay understand so I will, okay okay understand ya different people have the different uh


perspective and uh opinion so depends on individual family so do you give your kids a ATM card or manage their own account or they are still under your charge


so secondary three lah, four, okay


(uh okay)


okay okay


oh


okay that's good ah, school is cashless okay


X dollar everyday lah X dollar everyday, okay so what


ya so I mean you cap at fifty dollars it's okay lah so the losses is maybe capped at fifty dollar so not so bad, ya, !wah! I think the kids


my god , I think !wah! now that's why the kids are growing up in a cashless society next time ah I think the the cash is only used by the older people and the younger kids are using actually cashless right now, be it be it be it paywave uh paywave credit or debit card I mean everything is cashless so that that's why they say you cannot lose the card once you lose the card that's it already


very troublesome, ya a loss ya or or the phone also that's why I still prefer to use uh the paywave lah so the the MRT card that one very very convenient MRT to anything go McDonald's or whatever buy your coffee in uh ah #Ya Kun# everything is possible


ya so that one is small amounts for me there's for me to like besides cashless the most useful card lah, okay


stock it's the the the the bread coloured box is it


ya part three negative experiences


oh ya of course ah travel sometimes you got some negative experience lah so okay uh, once I think when I was in London I mean schooling time uh I mean my short uh, uh courses there sometimes the the I think the eastern european they can be very rude I think you know it always rains ah sometimes once one guy just pushed my umbrella from behind because uh ya so


sometimes the racism lah do you sense some racism in the US or canada when you were there


ah but did they tell you


is it in the US, ah US, and their service is horrible US


so how are you still at your husband's house stay there, so that means do you, so


so it will affect the transit flight also right, !wah! then this this is really horrible


uh which airport is that LA or C F F airport ah !aiyo! my god


!aiya!


of course you definitely have to go there earlier especially, I tell you when I went to London okay and you buy shopping you claim the duty free in one hour to claim duty free okay


and know once !wah! !alamak! I tell you once I Kena stuck in the middle of the china tour group, so they because I was there then the china people some china tour group in front of me some behind me so I was in the middle so they can ask people eh Chiong ah the behind people can go up the don't know to go up and talk to the because some of them cannot speak english you see so the duty free counter then


so they get some who speak english from behind to come to the front and talk to the talk to the you know the one who who claim the duty free amount horrible then the other time I Kena stuck in indonesian tour group so at least one hour Kena ah, just to claim the duty free it's not a lot but at least okay lah at least will maybe sing uh of forty or fifty dollars so okay might as well claim back so I made sure that I go there earlier


so !wah! that is really a disastrous uh experience you may get stuck in the middle of the tour group, and then they speak ch~china or bahasa indonesian I think horrible lah so after I learnt a lesson but australia wise , australia wise I also Kena before once the airport


uh I think after one terrorist incident somewhere in ~east that's in two zero one five !wah! I think the, the security check in in Melbourne super long I tell you ah really ah luckily I go there earlier, so ah now I scared already at least two to two and a half to three hours must go there especially select places


you never know after security check, where is that, in the US ah


for what reason, #seattle


so how you need to, hotel


so do you need to pay for the next day's flight or they give you a flight a replacement flight


where is your wallet


so how


!wah!


how did, !wah! , so normally the tips is how much ten percent is it or five percent


!wah! so much ah ten to fifteen percent ah, cash right cash right, !wah! you you totally forgot your money your wallet ah


then you transit where !aiyo! singapore


Aiyo


singapore is easier I know the other there's a problem


ya I know sometimes the the US, okay okay so ya so I think I I've only been to US once uh nineteen ninety eight lah so I don't have really good experience be it their


their custom ah their custom is really uh they ask you a lot of questions and you go there for meeting why you come here for meeting how many days in advance you come there so many days in advance, why what meeting is that !aiyo! ask you so many questions and you can stuck at the counter for so long


!wah! highly developed country ah and when I go to London ah ha don't have such experience ya, no ah I think the taiwan customs is quite friendly, [orh] okay


[orh] okay understand because there is a, uh australia side I don't have such problem since our school days also don't have UK is very smooth London very smooth


no problem but the US one every time ah, you go to #san francisco# asked one time then you move to Chicago for meeting ask one time, !alamak! I tell you , then my colleague US colleague tell oh please to give tips ah I said okay okay


is it


I think uh, I I agree because I Kena once in London in the chinatown restaurants so they asked how much tips we are giving because okay then then we just tell [orh] me and my classmate is it uh we will pay it by cash late later on because


the settled the bill settled by credit card but the tips we will pay you some uh likely small change ah some one or two pounds uh after that so they actually ask you up upfront how much tips you are giving them !hais! so it's really sometimes is really quite uh I mean this is a chinese restaurant and so


ya, it's a culture it is so it sometimes can be quite irritating ah so anyway , so it's very is australia I don't have such problem they never ask for tips so ya so is quite straight forward


it's only in uh I think US US it's a big issue ah I don't know know why people like to go like to go US still they have so much go in to the counter the customs is so what really big major headache already


ya of course big country lah so I Kena that time during my trip to US uh some china people mainland china people they cannot speak english so ask me to go and translate for them with the counter staff, so I said !wah! I think counter staff of customs ah asked to do some translation because they don't understand english


so there was nineteen ninety eight so I have to say [orh] okay okay and then it's like, ya lah so there there's eh the other the customs will say eh who are you [orh] whatever thing because I think they want to transit also that is in Chicago airport, !aiyo! I think that's why I really after that time ah you never see me going back to US anymore I really ah the


the flight is so long then you go until there I got jet lagged at night I cannot sleep I don't know about you you got this problem or not, ya soon


then two weeks you want to come back you come back jet lag one time one more time, oh you don't I didn't when I remember when I was in this uh #san francisco# the first few nights when I touched down from I flew from singapore uh so so #san francisco#


then [orh] the one experience that time was that I I flew to #san francisco# but the whole flight S Q flight is a lot of indian so I kept telling my colleague am I going to india or not then you go until there ah first week at all cannot sleep you know, !wah! teruk they come at the same thing also cannot sleep at night so but I don't have this problem when it go to London uh so when I go there I very tired straight away I sleep already


ah that's why I don't really like to go to US that's what you hear me asking about Vancouver because distance too long time difference too long ah then sleeping is really a big problem uh


ah, [orh] you also got this problem right, [orh] it's the maybe the weather I don't know why just you wake up in the middle of night suddenly maybe three o'clock or four o'clock I said !wah! then afternoon ah you want to sleep fall asleep like that


I really don't like the experience I don't have such things in in in in London ah so that is one thing I I I I, it was it will actually affect your holiday lor


that's why I say now you always said why I always go to australia or uh japan or what because it's like same time zone it's so like you won't have jet lag problem the furthest I go is London so once ah ya


ya it's like so I don't I'm not especially now with the the the you know the anti asian sentiment in the US so strong right now I think I really even have no incentive to go to US anymore


but, ya people, racism racism even in australia also my ya even uh peter said he never encountered but the my professors


they also try not to retire in Melbourne he's a singapore chinese lah so he he also said that he they only go to supermarket buy the food and come home they don't want to go outside stay outside anymore because


ya, ya it's it's not only the COVID uh is a racism issue right now so it's actually quite scary there even so now even the whole thing over ah, I also don't know like when you go travelling ah especially go to a western country we have to be more careful now because we are asians


so ya so even though I was thinking like even though when this whole thing is over ah if let's say for holiday destination ah I probably go to go to japan or go to go to japan or korea , I don't think so ah I don't want to go to maybe uh you know australia or UK anymore ah for at least for the time being uh until this racism issue is over


you Kena one time at the customs ah ya ya it's bad you know only that the first thing you will go to the customs they already give you problem already, then you go there and spend money the people give you problem !wah! I think no point lah then you go


, in the US why do you need to tell them


because your husband is there right, nobody on, I think that's good news about australia you can they never ask you how much money in the wallet


ya it's like the US sometimes uh the customs is really ah one kind you know it's really you know ask you why you why this why that, ah how many days you stand here why you come so early for the meeting funny [orh] cannot go come one or two days before just to enjoy the city spend money in your place still have to Kena ask question by you


then, but you have a you have a US green card right


but you you you supposed to have a bank account there what so you can actually have a


!aiya! I do not know, because ya you are not a tourist uh so you bring less cash you could have a bank account there so this is a simple logic


it's ridiculous [ah] that's what the U_S I don't know why people are so, ya, okay


ah okay, yes I think the the thing is really running already for me I can see the the the minutes are running already


okay part part two positive experiences, !wah! I do not know I think the


ah travel I mean before I think I don't know talk positive experience I don't know during our university days in australia I think I enjoy a lot over there what do you think, no no whether


ah no when we are studying the UNI time I think there is a lot of very positive experience in the university, it is very fun you don't need to worry about money you just need to make sure that you pass your exam that's it


I can't remember do we travel lah I think we may have bump into each other uh we went to cannes right then I went with peter to gold coast also


michelle is it, ya I think we we we were we were there I think most of time we went we were I think we, were on the same trip lah cannes is actually, I have not been back there


is it the third year I think maybe our third year right, it's our third year third year three years uh our third year our third


I think the you have must have driven up caster hill before right that one is a very challenging that one very challenging uh that one, when the safety wise lah


ya is because, dangerous ah the young and dangerous


!wah! two hundred ah hor, I think when there're when during the age ah we will just enjoying yourself that's why it is a very positive experience at UNI and then we pass our exam that's all [loh] we need to do and just enjoy life don't have to worry about money and yeah I think that was a very good period so you where do you usually travel after these few years


going to US is, so where about in US which part of US uh [orh] seattle that means uh washington state lah next next to the canada down there how is the place ah I never been there before


uh must be cold is it


[orh] more gloomy dark dark ah, so you, you go during the winter time right uh when


twice in minutes, [orh], okay okay okay ya winter time is can be very cold because of the


I know I know I try before because summer the day is also longer I don't know


I agree agree because that's what happened to me in london the winter time I travel about four about four to five o'clock it's start already so you cannot do anything already summer time there is like day lah until eight o'clock at night so most people like to travel during summer time totally agree with you


!wow!, uh I think I like london ah so my wife also like london we like there a lot it is nice uh


uh, a lot of historical places and shopping is good ah especially for designer label stuff because I spend a few uh months there in the U, tourist ah so no china and middle eastern tourists lah so


!wow! is the, the china tourists is like a few years ago the china and the there's a lot of middle eastern people in london uh so they go to the factory outlet !wah! basically swarmed by them and then they the whole shop is like being uh I pity the shopkeeper because they take out the clothes they open it out and throw open it out and throw so the shopkeeper very


Teruk because they have to fold it back , and then ya so there's a lot of and then sometimes you have to queue in to go queue to go inside this uh shop in the factory outlet there's a place called bicester village in london so which I like to always go when I was in london ah so that it's a experience uh but uh but now I do not know whether


after COVID what will happen after COVID , the ya even tourists also I think ya don't know how will react because online shopping ah so with the online shopping thing ah don't know whether people is still travel so far to buy all this things (oo) maybe experience yet


ya true, Iike definitely you you you must especially clothings ah you must try lah if not later you buy you don't know it's american size or european size or asian size oh so the small ah can be various uh so that's why I don't like to buy online


I still prefer to go to the shop and try the size, so like besides the US do you stop by at taiwan when you are on your way there or what, what do you do do you when you when travelling to the US do you stop by taiwan uh for few days or you just go uh at


[orh]


so have you ever thought like did you ever try before like meeting him there in taiwan


then he come to taiwan and then you go to taiwan, so, compared, I no ah taiwan actually I I I have not been I only been there uh once I think that there


it's cheap uh it is cheap besides it's load as long, yeah I know I know


where do you eat ximending ah


[orh] okay I think the the only time when, , , okay


from the airport and in the, as long you don't eat in the taipei one zero zero one I think the food is cheap everywhere there, can you get me oh you don't think is here okay


, which is I think


uh I could prove I think the positive experience stop already ah, for my phone so how no now is ten minute, okay come so I


so I I I no I I start uh I start the new thing again, ah because just now stop already, so so how


speech tao is uh twenty seven to twenty eight twenty nine minute ah, still positive explained they still brought two positive experience


I start the recording again I started already because just now, okay yeah because yeah, it's now is your fifty seven minute ah


it's on fifty I don't know uh sorry fifty ah fifty eight seconds sorry ya, so because just now it was stop I don't know know why it stop so have to we start again is it okay


okay okay, okay yeah okay, so ya lah I think my I learned it from experience from my professor who migrated to melbourne even the food is uh small portion so at least you small portion is good because you try different things [orh]


so when the cruise to where !wah! from where to where you need to bought the you


so you need to fly to seattle then tours to alaska, okay I never try before


[orh] okay I see


you have to take uh you know because life is getting don't have much the life our life actually our life ah about a half gone already must try new things, [orh] okay uh


!wow! okay sounds very interesting have you been to vancouver before ah since you always go to seattle I've never been to


uh singapore to johor lah, so do


so but do you like vancouver uh US is stronger right so it's much better right, oh is it


ah okay okay yeah because most of the hong kong chef ah not in hong kong right now they are in australia new zealand canada, oh


ah ha


[orh] okay so this the US side or the canada side ha one side because so is who


[orh] that means is just


[orh] okay, okay understand


ya not like custom ah like malaysia custom ah always jam one ah horrible I tell you, , I know it jam one side , so what's nice beside food in vancouver I totally have been be there before so


!wow!


from the uh US side, okay


ah


ah, okay so vancouver when you are in vancouver do you see more hong kong people or more china people, okay, okay for me is very simple when I went to melbourne ah our school days time we are when we go to melbourne melbourne is mainly hong kong food ah so it's like you know it's more hong kong people nowadays uh few years ago when I went to visit melbourne for holiday I visit my professor uh from NUS who retired there I see more china restaurant so I know the oh


you want to find hong kong food also not so much as last time already, hong kong food more more hong kong restaurant ah ah


okay okay I know what you mean because this is like a restaurant wise and then when you go to the restaurant you hear more uh cantonese speakers or mainland chinese speakers that's for my judge you see so were now I went into melbourne I hear more mainland china speakers in london also


a lot of uh mainland chinese hong kong wise even the hong kong restaurants also getting lesser already I got fed out because I still prefer hong kong food, , ya dim sum the


no choice ah good one good food you have to queue is it because the hong kong ah nowadays ah all the dim sum shop become give way to the these uh what LV and prada already uh you go to the times square last time, you know all the


hong kong food, all the oh beside opposite time square now become all the LV prada burberry, uh sick only no


last week you still go to hong kong during the riot ah, no, okay before the riot ah okay okay okay, hong kong is nice ah yeah and very user, good food I think shopping also quite okay lah uh but


you went shopping ah [orh] okay agree ah especially you go for design and labelled stuff I think it's cheaper over there


[orh] yeah of course lah because singapore is so expensive it's like really uh not worth you know I yeah I don't really buy here now unless maybe recently I think that's very good sale ah because I think the shop just open after the COVID so they got good sale right


now ya you go to the IMM ah I think I bought a CK shirt for thirty five dollars t shirt so it's very cheap ah, good deal ah ya lor ya so about that's it lah I think time's up is it


the discussion guide none uh ah


oh part one financial related topic, uh lional you want to start


uh you are not very clear can you say again, oh ya I have uh several savings account so uh basically some it's for savings some it's for kids some it's for uh


interest so depending on uh different banks offers, interest rate I'm not sure but uh for user friendly I like uh POSB


because it's my everyday use, I use this almost ya almost every moment like especially now with uh paynow so I can just do transactions like for my kids' tuition fee for buying things for whatever so it's very very convenient


but it's still very uh convenient like last time uh the internet banking is not so, convenient but you still have to use a token to go and do this do that but right right now with a handphone you can basically just even you are overseas you can just do whatever you want on on with a smartphone


and you can access your and your information you can do transfer, even like payments to us is very instant so you should you should you should look into this is very very into our life now


, but during this COVID nineteen like if you go out to buy things everything even markets you go to the wet markets they are they are also


encouraging the sellers to to use this type of uh transactions to pay when you buy fish, you know like buy veggies ya so it's like just scan and pay through your s~savings account so it's


and money is like to them they think is a bit maybe dirty so they are encouraging us not to, touch it on you know during transactions there there's may may have contacts and even some of the shops outside you


there were just uh there's one shop just tell me that sorry uh we only do cashless transaction they don't even accept cash, ya so it's like uh okay


ya at least like nets now you basic things you must have nets


ya even MRT card can auto top up so we don't even need to top up


ya, ya if if put in the bank it's just for convenience I don't think putting money in your bank is just for the interest because you don't see the sense of what that that the interest is like uh no point ya


ya so ya no point putting money in your bank it's best that either you spend it or invest it


that's the time you can earn


ya so have to be careful


uh actually I like credit card, I don't like to use debit card, ya be, oh well uh debit


I I'm not sure about debit card debit card it's more towards like using your cash from your savings account but credit it's like it;s uh uh uh an amount that they give you and uh there's a lot of, like uh some benefits like some points that you can you can earn


and you don't ya and ya and you don't touch your money yet if there's like, forced transaction or fraud fraud uh fraud transaction at least I can call the bank and tell them that this is not my transaction rather than debit card once is fraud


they they will just your money is gone immediately but credit card at this even though is still under my my my under my care but at least I I can prove to them that, that transaction is not done by uh normally the bank will not deduct


from ya, ya so ya


ya it's like for example if you go to ah Kun then you just tell them paywave like two dollars coffee you just tap you can just tap and go so is know fast, you you you don't have to take out your wallet and normally what I do is uh with my phone I have uh a card slot so


when I go out I just have my phone and I can go out even though I don't have wallet with me because I have my card, always because you wait wherever you go you will still have your phone you will not leave home without your phone


so wherever I go I can do anything like I can buy things if there's not cash transaction only shop


for me I don't look at this like mostly that's my husband's job so for him he thinks there is no point putting money in the bank so he he he is doing some investment


ya, ya , ya because like you just for rainy days amount but the rest like we have to save for kids' future usage so like kids are still still have few years more to go so like we still can use that to invest on some


he I think he's buying ya buying shares I think so, hopefully ya hopefully he he I think so far okay lah like


not ready that he he he's not looking at US side he's looking at asia side , ya he's more like eh US side is like the the return is not that high as compared to asia high risk high return


ya so ya he's he's he's the , ya well have to ya have to think that way lah


ya ya ya for this type of uh shares normally it's just for keep maybe ten years later !wow! double or triple


so other than shares what do you what what other investment you have, yeah I can hear you


ya but now now you can save a bit ah because one whole year you can't go go for tour


yeah , but do you plan to buy any air ticket in advance, because right now like they have a lot of good deals like if you buy now and they give you a lot of like change states uh


a lot of the price is good ya


but sometimes quite quite tempted every time look at the email it's like !wow! , or you you have to choose the the airline wisely lah like uh if if you choose those


like


so lional do you have any joint account with your wife, oh, ya we have uh, we have joint account actually all his accounts are joint


okay lah but to me is like ya sorry, ya maybe it's the the the the habit ah


but for ours for my for my case like uh me and my husband we, we just think that everything since he's like joint it is joint so like ewe have access to everyone's account


to to us is like everything is transparent lah so, whatever I want to spend he want to spend we have a mutual agreement so we just just make it ya


ya but you maybe you can have a joint account just for set aside a certain amount and that is for only household usage so if that amount is being used up then , [ho] [ho] you have to sit down talk about it why so maybe that is also something ya


ya and especially everything there is uh transparent because you can see what are the usage and from there you can also discuss which part uh has increased and which part is maintaining because a lot of things like in a family there is a fixed cost


you know like utilities everything is fixed there, ya so this is normally what what we what we do lah like you can we can see from there why the figure is like fluctuating a bit that we have to take a look then is like !oops! who is doing that


uh my my elder daughter is uh fifteen eh yes fifteen this fifteen this year and lastuh four already so is going to sixteen lah


but uh for her because she is more matured so at last year three I already gave her one of my uh actually it's not a credit card is just a, debit card but that debit card I can I top up


so whatever for example I top up fifty dollars so she can use that as a uh as a as a debit card, so if there's no top up that's why the meaning that the limit is only fifty dollars for whatever amount I top up


so I gave her that card as for ATM uh they are not uh they are not at the age to have an ATM yet, so bank account there is I have a bank account for them is so called like joint name with me but they can't access to it ya


then ya so uh for her and also her school they are using smart tech like from POSB, so whatever they buy uh food or buy drinks whatever things ya uh


ya uh bookshop I'm not sure but whatever food they want from the school they can just tap using the smart tech, so it will be direct uh deduct from my bank account so for her it's cashless she can just buy whatever she want and I can see from the app like


which stall she buys from which day she how much she spend per day and per month what is the average so it's like I can see what's she is been spending on uh even if from months, so the school is cashless


ya is like okay so it it saves some time time for me also I do not have to ask her everyday do you have money, last time uh before that I used to give her


uh give her uh cash ya ya ya but not ya ya lah so now it's like oh, save time save effort, but it's just that I do keep track and make sure she don't lose it there's once she just tell me that [orh] she lost it so I have to go and so terminate the uh like discontinue so that's the only thing but the rest is like is very very convenient


ya something like that lah so it's like is the technology nowadays like really sometimes give me convenience, but but it's also she can just buy anything you know that is just uh a debit card so it's like paywave


she can go to any shop is like !oops! uh paywave to to pay for anything so no restriction for her it's like uh okay


ya now they are fortunate, (ppb) ya, ya and phone you cannot lose your phone


part three negative experiences, okay , lional do you have any negative experience during travel


uh for me it's there's once I was trying to catch a plane, and I'm think it is, it's due to traffic lah I was late for


considered late but it's not that super super late so when we reach airport is already uh gate close, but I was like telling the people that uh the time shouldn't be close based on the departure time but to them they said that they they I think after I checked my email they have brought forward half an hour uh earlier so the half an hour


uh they they say they emailed but I showed them my email was not shown that's why they said too bad it's like !whoa! uh I was like that time my kids were still very young like I I'm bringing two kids with me and they were just telling me it's too bad it's like !wah! so


it's at at the US side normally happens IT'S always at the US side, then to to them they they're just don't don't really care so I have to insist then they said that they would help me to find a replacement flight


but that was three days later, risk ah uh, last year okay I still can go home but it's the, the the the the the experience you know stuck at the counter for three hours just to settle a return flight


and you ya, ya everything ah so so everything they have to so called rescheduled everything, initially they were trying to uh sort of like uh


give me false information they just watched me to push me away and send me to a flight, which I asked them for details they didn't will give me much later I realised that the flight that they wanted to give me was


fly to don't know somewhere to transit overnight, I was so angry that time I said I kept asking what's the details they don't want to tell me and said that you have you hurry if you don't hurry this flight is going to fly again so you will miss this flight uh so so to me it's like oh is it oh okay I better take it


but after thinking uh Seattle, ya then I was like so angry with her with the lady said that I have two young kids and you expect me to , to to to go go through all the hassle and I have three eh that time I have uh one two six big luggages with me


and I am the only adult with two kids, so it's like what you want me to do I was telling the lady then after that okay oh after the hooha then they managed to give me uh uh a same same flight which is three days later, so it's like !wah! so after that from then onwards wherever I go to airport I will be there at least three hours early


took last time it was two hours, ya lah ya if you have to claim but for me I've nothing to claim it's like ah


to claim


but actually I have another experience which is much worse than just now that one , the also same thing but I'm flying ya but I'm flying to uh to Seattle transit at #san francisco#, so at #san francisco# the customs officer gave me some hard time which they retained me for three hour


for being my my green card thing issue so they are just trying to touh give me problems so after clear, my flight to uh Seattle was delayed, and uh actually fly already lah like gone so when I go there they tell me that


uh today no flight , uh so it's like okay no choice then I have to bring my kids to the uh uh so called nearby hotel to stay overnight for the next day's fight


initially they want wanted me to pay for it but I have to argue argue argue until they had they they managed to uh to to to to so called schedule again, but the overnight stay and all those charges they they were not going to compensate me because it's not their problem


and it's like nobody's problem so that's not the issue the problem was when I want to go to uh get out of the airport, uh to book a hotel firstly I realised that I did not bring my wallet


I in singapore ya is like, !wow! I don't have wallet , so !ow! so it's like !oops! and I was like uh how


so I have to call my husband to ask him to book online for( ppl) for a hotel then we made sure that the hotel has free shuttle to the hotel from airport


so okay that is that's that's that was one thing settled but when I reached the airport uh reached the hotel, I don't have money for tip, so I have to act as if like I'm very cheapskate I just stayed and didn't give anything


but now dinner time I was like uh I don't have money how I eat my kids so, next day I call my husband ask him to order delivery


ya so he's like okay he ordered delivery and added the tips to the from he from his side , uh ten to fifteen percent


ya but that is not the point it's like you you are alone outside but you don't have money , not even I don't even have credit card, I don't even have any card, yes the whole wallet, the whole wallet I only have my passport


because every time when you go out you only check your passport so I checked my passport ya but it's like !huh!, my wallet my ID everything is there so it's like !eww! then my kids were looking at me mummy we don't have money how I say uh


we we we the first thing we have to leave #san francisco# ASAP quick quick, so at least the ya so after that at least hotel stay transport, meal at this week he can settle for me then managed to get the flight back then okay already it's like but that at that moment I was already


blank it's like I I don't have wallet overseas you know you're not in singapore but it's like, somewhere that ya somewhere that it's like that's not even my destination


!wah! so that is that is the time it's really uh the the worst moment at for my life for that for that that that moment


ya this is the way they can show that they are high highly post or high rank or what, this is but but ya but is it but customs it's like that what


singapore customs also like that is this such that you are singaporean you don't experience eh for my husband he come here he also get, questioned so actually because you don't know but it doesn't mean that singapore side is not behaving this such a way


ya if you don't give tips they you you may experience people chase you chase off to to run after you to get tips, ya ya my my husband that experienced that before which when he was like in school, by that time they they are like quite quite cheapskate because students so they they earn actually they give but they give a little bit only


then the the the so called the waiter or waitress ran after them and said that eh you all didn't give tips then is like uh I don't know did they give ya


, ya but it's the the country's culture


it's very irritating


the place is big so it's like good scenery lah like a lot of places that you can visit big country, ya, that's custom


same thing ah right at our age you know you, with this type of long distance like sixteen hours difference we sure have jet lag last time ten years ago maybe two three days I can handle


but now is like two weeks eh, [orh] but the problem is when coming back to singapore, I don't have this kind of problem


I also don't know why like even for my husband he goes comes to singapore , he also can settle the jet lag fast, uh whenever he goes back it's like uh also ya so I I think it's a country problem


ya so jet lag is really something


it's not just affect holiday it will affect your health ah


ya that's why now you want to travel far if if this type of uh, this type of timing distance with jet lag it's really terrible can


ya it's scary lor so sometimes better don't don't go to those, those places that you can see a lot of like those people ya


ya I don't walk on the street for nothing it it's like it just go come back


ya that,


ya if not like the the you instead of good experience, ya they will ask you how much you have


why you bring so much money why you only have this much of money it's like that time I was there they he asked me how much do I have I say, ya I said I I only have like fifty dollars then he said why you bring only fifty dollar to US I say why I cannot have only fifty dollars I have credit card why should I bring so much cash


then he's like not happy that I I I talked back to him, so it's like !wah! I I you asked yes but it's like you wanted to ask me how much I have I just tell you I only have fifty cannot meh, I poor then it's like you you you don't have money why you come US like that you know that that type of look


but the problem is you answered they're also not happy every time whenever whatever I answered they will sure look at me it's like !huh! why you give me this type of answer


oh are you challenging me you know really eh, they don't care, they don't care, they just I like I said they wanted to show their authority they just wanted to be say that I am big shot here you better listen to what I say


so wherever you they they want you just let them say sometimes it's just that you know after six that twenty hours of flight you say something I let you uh uh uh but you continue with me saying those things ah of course I I don't I'm not happy also I was like, no answer back he then he not happy already


don't answer also cannot you you know so it's like what what you want then up to you lor, they don't ya so that's why they I say they they to the customs officers there is no logic


part two positive experiences


so lional you travel a lot so it ya so what's your travel experience one any any special


you mean when we travel during the uni time, ya it's fun


but did I travel with you to, Cairns that time did we travel, that time, I ya because that time I remembered when we went to Cairns we rented a car, and I'm not sure we whether you were there or not but uh peter was there and uh I you know michelle I'm not sure leh uh maybe lah it's like the gang


ya, but that time, that time I think I I peter drove but uh halfway through he let me drive and


ya it is ya third third third or fourth eh third year yes last year right ya ya that's the yeah yeah yeah so that time uh, one one part he let me drive so I was like !wow! okay I was like quite excited that time so when I was driving that that that's route is uh when I looked that time is like very straight so I was thinking (hmm) and then as like uh no cars then


and was like oh okay I just stepped on the accelerator it's like oh go all the way , ya ya ya, but but it's like you know ya when we are that time that age like we don't ever think of anything


so you know ya dangerous is nothing so and to peter you know for his character right he will just , go on go on Chun-Mei go on you you you know him right, ya he will just like eh faster you can go you can do it is like [orh] is it okay so I just stepped on it is like okay and and


ya so it's like !wow! I think the time I I went up to almost two hundred, ya !wow! then it's like to me it's like I think I better stop


ya have to go US US ya every year every year I was there, uh Seattle, ya


ya, [orh] not bad nice scenery but it's not good weather, !ee! consider if you compare to LA ya it is much much cold much uh


the the the weather it's not it's, uh it I think thirty percent uh eh forty percent of the, I would say fifty percent lah is rainy season so


both either uh there's uh normal days I'll I'll go twice a year so there's summer summer and winter time so it's like mid mid year and end end of the year


so so if you plan to go don't go in the winter time you should go in during summer, ya, uh longer and the weather is much better if winter it's like it's if it's raining and it's cold like and it's dark it it it's like like you say the the the day the daytime is shorter so you you you you most of the time is even like wasted because at three PM


you look at the sky is like !huh! uh as like the day is gone already


then which country since now you have been to is your like favourite country


that that that if wherever you go you will you will experience that so you can't avoid


I think they welcome tourists , it's different it is still uh you you still (ppo )it is still is still better that you you you you'll be there yourself look at the scenery yourself and buy things yourself touch her things so it's ya


sorry what did you say, ya, I just for taiwan I just go there as a as a trip itself because part uh if stop over is not uh a easy thing for me because due to the long travel distance


so I tried once before to stop over and continue the trip but it's never I would I never want to do that anymore so ya so it's still best to enjoy the trip if you, >go and come back then you want another place you go and come back


mid, ya ya ya we did we did we did there's there's once we tried before, so so okay lah like uh save save money right


it's good the food is very very enjoyable, it's not cheap it is the the food is different kind of food so by going to taiwan even my kids everyone of us just go back go there for like five days everyone come back it's like !huh!


three five KG is like !oops! , that's everywhere you wherever you go no no no everywhere everywhere you go you there's food anything anywhere we go we can just find any food to eat


it's is is everywhere, ya and it's like every moment we are still always so full, but you you will still hunt to eat


I don't think it's cheap because the portion is very small, if you it's not very cheap for me but because when you buy it's cheap but if you look at the portion, it's very small even for for me it's like !huh! not even


feeling at all but then you have to keep buying and buying it's like uh okay so so so going there it's like you you, but majority of the the the the the the the


it's so called the travelling expense we spend on is small mostly majority on food even after eating we will buy a lot to bring back


so, okay


do you still see part two


okay


ya but have you taken cruise before, it's not bad not bad not bad that time I went uh normally I don't like cruise but uh there's one time they were telling me me Alaska cruise, you know you don't want you must have at least this at this cruise ah


Alaska cruise so is like okay that time I bring my parents along it's very good experience is different, from like normal travelling like, Alaska, uh Seattle port Seattle port


ya ya, ya so Alaska you know nice iceland is know those , iceberg so is different experience lah like from the boat you will see the different scenery


ya so not not the bad good it's is really a good experience lah but even though yes I don't like to have cruise but uh this is the cruise that I normally would recommend people to would take at least like once in your lifetime


and this ya but this cruise is also not not you know three hundred sixty five days it is like only certain months they are operating


ya so so so like the like we when we are there it's like you can see uh scenery from the the the the the ship, and when you dock at different locations like they will you you are able to go down to to to tour


then the one of the, best best food we had is the Alaska king crab leg, ya, uh ya it is driving distance like uh


(oo) that's the one I always have singapore to malaysia like that, !aiya! ya ya sorry sorry singapore to Johor so it is very convenient but same thing lah like you don't choose those uh traffic jam timing to go there it's like it's super jam [orh]


because of the exchange rate, ya ya ya, uh ya that's why sometimes a lot people go there to to buy food uh to get food, because like it's is consider cheaper after the exchange rate and a lot of Hongkie people are there so you know


chinese food over there it's much much better as compared to Seattle, ya so, ya so so that's why when we go there is is is mostly for food


but one thing the difference between uh singapore's customs and the and and theuh Seattle customs there you know the customs officer, there it's like very macho man holding guns like policeman standing


and check your passport rather than for like singapore side they sit inside a small gated room and in front a computer you know totally is very different, ya so they only have one side they ya yes so it's like whoever whoever you are exiting the country


uh no no no uh who you are entering whose country who which country will check, if you exit they don't care so if you are going to canada uh Vancouver Vancouver side will check you but if you are coming back to US US side will check you so they don't they don't spend two


two times of checking two point there's two check no check uh there's only one checking point at each, so it's it's like save some effort also


that your jam two side but for for this side it's jammed but it is like it only one side then that's it after you are out you are clear you are you are good to go, actually there's also good scenery like uh in I think one one and a half drive driving distance there's uh


that's ski mountain, ya so during winter was winter time people go there to uh to ski, ya because it's cheaper what so and also different different different slopes maybe to them I don't ski


so ya people do go there because like uh for some of my husband's friends they also like to go there during like thanksgiving or christmas when they whenever they have long holiday they will like to go to Vancouver for a short short trip


eh, it's difficult to know if they don't talk to you they don't speak how you know , ya


oh if you are if you are reference to that I think it's Hong-Kong because a lot of dim sum, yeah a lot of #dim sum# a lot of uh like those those uh, those yes ya


ya the the food I think it's ya I like I like the dim sum lor so normally if we go there yeah we'll we'll we'll we'll also but but but, the queue is very very long yeah so


but if you like Hong-Kong food just go fly to Hong-Kong and and eat it's it's nearer it's better last year I just went to Hong-Kong eh I think ya last year, is, it's last year eh last year february


ah ya february that time is good food lah is good food, shopping ah shopping normally I think I I still think US shopping is still the best, ya ah


so after (ppo) normally I I I will shop in U_S every half year I shop there


part one financial related topic, ya, okay so let's start , so janice do you have a savings account


can it, oh how, how does the DBS one work


I see, I see uh I have the same I have the same savings accounts I think


uh I mean in going into the features of the DBS multiplier I mean they recently reduced their their max, uh tier or rather the max amount that they'll pay uh the bonus interest on but it's quite interesting right because you can use your uh you can clip


just based on uh certain categories for example crediting a salary and then spending on one uh DBS credit card that entitles you to a certain bonus interest, but it sucks now because it it comes down they brought it brought the tier down from seventy five thousand to twenty five thousand so


uh that is uh the thing but I guess like with interest rates coming down it's it's no surprise I also have the UOB one account I think that one has a higher threshold seventy five thousand, but of course it only makes sense if you have you know up to that amount because the the highest tier of bonus interest comes at that uh from the last eh the last fifteen thousand ya that's right


then of course you need to spend on your credit card and also are there any other credit oh giro three three giro instructions right (mmhmm) so I mean out of these two which one do you prefer actually


all right so I assume UOB one card is your your main credit card right


right


, got it it seems like you're more about the cash back in terms of your credit cards eh,


, ya that's I guess that's me cause I use the UOB one card again cause it's linked to the UOB one account and if you know if there's a sufficient spend on the UOB one, card in order to meet the the requirements uh to get the bonus interest and also the rebate then you know our on both my remaining spend for the month into the into my Citibank


uh credit card which is uh the premier miles card so just collecting miles cause I like to travel , but I guess uh I think it's the same it really depends on, the the dollar amount per miles that you are getting uh different credit cards have different perks but ya I I guess that's the whole idea of


having a credit card I suppose ya I mean where I mean do you do you do your own investments or you know


so I mean ya I'm doing investments across uh different I guess asset classes in or rather


through different vehicles so using certain areas of funds like in fundsupermart I guess that's the easiest platform to for, for us to get uh our exposure to to mutual funds also you know some equities here and there small amounts


during options as well I think you know those are those are more of the day trading kind of options where you, actually sell either a call or put option to get some premium so a bit amount of an income collection strategy


then ya I guess in terms of other areas like, the screen seems to have disappeared but ya in terms of uh investments I guess that's about it ah


right so there are couple of brokers that I use uh interactive brokers as well as Saxo they each have their own perks of course it depending on what you are


using them for for Saxo the platform is very easy to use the interface it's very easy to use but that's slightly more expensive on the commission uh they have custody fees but they don't have , uh inactivity fee uh but on interactive brokers the commission is a lot cheaper but you know if you don't trade regularly with them that's how they they make money they would basically charge you an inactivity fee the platform itself in in terms of interface it's not as uh good


good uh it's not as uh friendly I would I suppose and that's why you know I use a combination of both uh in order to get the best experience out of it , do you I mean do you for your equities that you hold do you use the same platform or you know is it something that


okay, I guess if that's it for investments and maybe we can also talk about uh insurance I mean it's quite a hot topic that and I I think recently you also mentioned that you have some new insurance coverage maybe you can share a bit on that


so I mean I haven't renewed any of my policies or relook at it recently, I'm thinking of getting some CI coverage after some scare at the hospitals but also with


what I have uh basically uh your, basic hospitalisation plan but I think the riders are super important here also from personal experience if you know you have a rider and and it helps allows you to get the full upgrade to to private hospitals private rooms you know that really helps in terms of


making sure that you know you you you're not worried when when uh it's it's uh crunch time right when you actually require the policy to serve uh your your needs, I also have an investment linked uh policy which on hindsight may not have been the best


investment or but it's a small amount so I'm also look looking at at beefing up more of the critical illness self things ah so I think that that for me is the the chunk, that is uh kind of missing from my insurance portfolio and that's something that I do want to uh make sure that I I get it sorted out uh but of course lah I still have outstanding claims uh with the insurance company so so I would rather


uh outstanding case haven't gone for the review yet so that means that you know uh any future insurance applications would be a bit more complicated if the previous cases are not closed, so that is something that I'm I'm waiting out on but I think that's why you correctly pointed out I think insurance for us as we you know reach thirty and beyond it starts to get really expensive


it's important to lock it in but it's also expensive for reason I suppose uh that's where you you are at higher risk of uh you know getting certain illnesses, or ya just basically uh ageing and and getting uh the the need the need for insurance becomes a a bit more real than when you are in your twenties I suppose


so I mean the the one thing I was I was considering I guess it's also about CPF right you know topping up uh, CPF on a voluntary basis I think that something that it's quite interesting because you know from uh from uh


you know annual return perspective you know you get depending on which accounts you top up into ya like two two and a half to four percent uh which is very attractive given that you know interest rates are already so low, you know that may or may not be anywhere else to park your money on that you know you also get tax savings which is immediate uh which is pretty


attractive especially if you are if you your tax bracket is in you know, uh gets higher and higher as as the earnings power becomes higher so I think that's also something to think about have you you know have you thought about it you know is that something that that it's interesting to you as well


but there's uh there's the other ones right where you if you you can top up I'm not sure what seven thousand it's not the it's


ya that's not the SRS one that's another there's another one, right, I suppose it's also the same right I think up to your retirement age and then uh


I have no idea probably I have to get it check it out, but that one you'll get to earn I think that one you get to earn the the four percent which is a lot more I guess a lot safer than than the SRS right because you put into I don't know or was it one some of the option


ya which can which is investment ways right and then if you can do it yourself then you might as well do it yourself, so I I I mean I guess interest rates are pretty low at this point of time it's also doesn't really make sense to park everything in cash because then


you know you're it's actually not getting anything which is why I'm also uh an advocate of making sure that the cash is being used properly, you know it's definitely difficult to time the market uh I guess it's a bit of a job hazard uh I was speaking about this as well cause uh


I mean I do investments also but it's definitely, you know in terms of looking at the longer term if you if you put your money to work uh over the longer term and you ignore the some some of the near term volatility actually does work out and pays quite well


uh over over the long term so I think staying making sure you stay invested in the markets and also just, you know not panic selling like what we experienced in march when you know equities were selling off and I think a lot of people you know panic and then the cause of the COVID nineteen situation and she had to you know


sell a lot of their existing investments I think that's been not a very wise decision considering how the markets have moved uh since then but that, you know has given that has provided backdrop for a very low interest rate environment and I think it's going to stay low uh for a longer


uh I don't think we have any loans which you know it's actually a good time to actually refinance uh some of them uh but ya I mean locking in loan rates or at this interest rates so it would actually be pretty attractive


uh part three negative experiences, !wow! okay this is heavy okay so I guess I will start I think


not really a a time but I guess something to look forward to is or not looking forward to but, I guess as grow older and older you know you don't realise it and you know we get so busy and caught up with our own uh


lives you know things are moving so quickly work friends you know and and possibly you know, building a family with someone special of course that's add another I think to look forward to but you know at the same time your and your parents are also growing old I think you know when I look at my parents that's something that


has been you know from time to time I don't notice it but you know the the number of amount of white hair and that they start to have and also you know, slowing down in terms of their actions and and everything just makes you think about


what what's it like to to live a life without them I guess you know you know because it's the eventuality of it right that that you know people will move on and that's that's something that I guess it


mean in some sense keeps me awake at night you know uh how do we better you know enhance the life of our, parents uh in in the years to come uh making sure that you know they have spent uh a good part of their lives actually providing for the family putting in so much effort and then you know uh ultimately how do you actually pay them back you know for me I think you know now with uh


uh, making you know decent income and also uh the fact that my sister is working overseas then I feel like the onus is on me to to actually uh make sure that they are well taken care of I'm not one of the


uh more emotional types uh so you know more practical in a sense that you know if I can make their life easier uh taking them out for good meals you know just making sure that they are kept happy uh I I I feel like maybe, part of me feels a bit more relieved that that you know I can actually do that


but at the same time you know they're still going to uh they are still growing older and older by the day uh I think that's uh it's always regretful in the sense that you know there are certain times where when you were growing up you never treat them uh the way that they should be treated


uh so you know there are times where you you you just, uh get angry at them and you know I'm one who is still quite hot tempered and I still you know have arguments with them you know, uh of course on different topics as when I was a teenager or or when I was growing up but uh at the end of day you know that is something that also you know sometimes after


uh I guess having an argument with them uh it'll be is actually quite difficult to to look past it and just forget about it like I'll think about it, uh like you know should I actually be talking to them this way or that kind of thing so I think for me that's that's always been something that has been


a bit more heavy to think about I'm not sure have you had that kind of experience or you know do you, or or you know what's what's top of mind for you


okay , so I mean what what what dreams of yours kind of die a little with each passing day or do you have anything that , you always wanted to do but you know didn't get a chance to or not yet you know what what's holding you back


I think I think it's similar you know I I'm quite surprised you also brought up starting a business I guess, because uh that was the I for me it's it's like actually a same thing it's also again not really a dream but a bit of uh a what if you know what if


we had taken uh different uh path or different step uh and life uh I mean for me I started something with my friends you know uh it was quite, interesting in the the sense that you know we we were you know in I guess in army and then we were just fiddling around with the idea of actually


taking over some you know entertainment equipment like a wii sets and everything and basically just setting up a, a platform where people can actually rent this equipment uh for you know for parties and everything the the reason why we thought that there was a gap in the market is because you know essentially people don't want to buy the entire system uh especially if you have more