ya and then like I had a lot of leaves to clear so and I told they they only give me like, four or five I think so I told them that what about my others I should start taking my leave now so by the time I end I will have sufficient leave they were like no we can't afford to give you a leave


no they said no, yeah I haven't I did receive some money on that day, they owed I thought that was the bonus the end of contract bonus


all the tough cases right I'll in two days and all the follow ups that I had was all uh messed up cases like all the other people all my friends where they had normal like card waiver and stuff mine was fraudulent


ya, ya, ya it's it's actually her case right then she straight up deny to the customer that she cannot help then the customer call in again and it reached me and he had like hundred plus


uh disputed actions, uh and then that's not uh that that's not uh the only one then I had a cash rebate uh case where he didn't really meet the criteria but we still can do exceptional handling so all my cases were exceptional handling I think only one or two were normal


yeah and all these needs monitoring so I had to give it to uh rebecca and shirley quite upset also cause you she wasn't aware


oh my god she was very angry and also they didn't inform me that I was on leave right so when they inform me when I'm going back home on the day then they last me they lastly just text me that oh tomorrow don't come to work, yeah so I thought since they're since charles was texting me that tomorrow don't come to work maybe #Chee Wei# and everyone else was informed


but apparently they weren't then rebecca was quite upset


very bad oh my god and even on the last day right I can you know we went back to the level twenty one then like I know no one there it's, I was missing all those shirlyn and everyone else sitting there


to be back to level twenty one cause right now


and but you know raffles is the best, the best of that is so good, ya I think that's the only good thing that happened to during this few months, of this UOB thing and very clueless as well I think the only problem is when you need help that's the one you have to be pretty independent if you're gonna go there


and also like a lot of varieties of food can go down and eat


yeah I think uh one of the problems , another bad communication right is they didn't tell me that we're supposed to bring our headset together with us nobody inform us and nobody inform shirlyn yeah you know I didn't bring my headset along with me


and then when they assigned me a seat there was already a headset there so I was using that headset and then some of I think the person who was sitting there they were like oh this is my headset, and ya she was quite unhappy was one of the filipinos


and you know like so if you're a filipino right then they will just chop your seat, like us right we have to move around let's say I'm sitting here today right this is their seat but there's no such thing as their seat because everyone have everyone is supposed to take whichever is available


but ya the ya I feel like they're being quite, ya and they'll chop their own seat and then if if you sit on their seat while while they're at work right like let's say they come sit there or whatever they'll ask you to get out and like go to another station


yeah, ya but like me trying to get everything , not you know I don't want to have any more troubles I'll I'll just get up I was like okay yeah


ya and then after that they send me another headset but still I had to like, listen to so many people complain about me using their headset when I wasn't even aware that the, we were actually supposed to bring our headset together in that work all the time and then even shirlyn was upset uh once because I think


she also kind of like chop her seat right so she went on a five days leave and, I wasn't aware that that that was her sixth day so she's coming back to work, I was sitting in her seat then I think that day she was having a very rough day she was I think she was having her period I'm not sure ya there was like a slight misunderstanding she she was like why you sitting on my seat


and then I got so shocked like you're at work ya then she got quite angry but then I think she realised that she was being a bit too harsh and she came back and she said don't mind my tone I'm a bit affected and oh it was the time when she got like a complain case


I think the uh that month her score card was very bad, think negative was it negative, uh the guy the guy didn't receive the form


SIA form but it was not her case apparently it was someone else's case she was just helping to escalate it, ya apparently the person whose case it was didn't take the blame and then she had to take the blame because someone have to take the blame right someone have to deal with that so


and complain so she ended up taking it and then she was quite upset about it as well you know on the last day when I was tidying shirlyn !wah! I was like quite so emotional I can't I was like oh don't cry don't cry


I've my two years working in UOB, oh ya I think you joined in november


if you didn't get this job right would you continue, how long they have until this job


anything wrong with this job like you don't like, you're not scared like when you come back home and then


like you know you participate during lunch how do you like during lunch you have to sanitise the whole place or something


so they provide the transport for you


you can claim it or, oh !wow!, oh it's quite are they still hiring


oh I've I for the temperature checking but my mum don't allow me cause she say that at least for february you're wearing the whole suit but temperature you're just wearing the mask, that was like I can't risk anything because I'm living with my family right so


ya my sister she she she was living with me but now she's temporarily at the in-laws but I also have a younger sister, so it's very risky and not like they can immediately find the symptoms right it takes like fourteen days and I think within that time met with so many people even if I have it


oh my god you should tell me you travelled so much that should for to say then right


ya I don't know how you can sit in a plane for that long and you're alone and I mean my sister travels in UK back and forth for twelve hours and I like like


sweden to singapore or


!wow!


twenty eight hours I thought twenty eight minutes that's why I was like twenty eight hours is crazy


day and a half but they give you accommodation and everything


and it's so dangerous especially so many people are travelling uh in the airport and you never know who actually got the virus


ya I think I travelled uh back to india on february it's when the cases started uh increasing in singapore and then uh still remember we were coming back and that was the last flight we got


and then like the moment I came back we all the flights were cancelled from india somewhere else, yeah and same thing like you was there was only a very few of us maybe like ten of us in the airplane and then that was


a shitty flight honestly like uh you know I had to call the, my airlines saying that I, think it was I'm not sure what airlines it was but I had to call them and then like arrange for a last flight because like I only had one week off right


so if I don't come back by one week it's gonna be crazy so I keep calling them I really need to be back in singapore because they just, cancelled my flight and didn't even give me a refund it was actually quite chaotic and then I was like where's my money because it's not even in my credit


and then like it was quite chaotic but finally like the agencies there they managed to uh contact singapore and then get my flight they got like the last flight, which was quick we're just taking the people who's stuck in india like those singaporeans stuck in india back to singapore and then like there were just ten of us and then like I we could like


that whole seat was ours and that was very, uncomfortable I keep shaking then I was like , ya oh my god I was like why is this side moving so ya the whole I couldn't even sleep for like six hours


february, like maybe like early march, Mumbai, so I went there because my father passed my grandfather passed


it wasn't really a very memorable it was a memorable we're just so I think we didn't even go anywhere because it was a lock down there uh we were just at home and then back to singapore


and then my mum was supposed to come like one week later but all the flights got cancelled and then she was stuck there for like a month or two ya and, even it's a miracle that she actually came back within a month because some of my friends like stuck there for


two to three months already, not me I think mine they didn't have such thing but for my mum they had the quarantine fourteen days quarantine and then it's quite nice cause they gave her like a really good hotel she was at pan pacific


oh my god we didn't have to pay for the fourteen days quarantine she got all this included


how's it fair


it's so different like the


you still got paid for that


!wow!, yeah, when did you blushed the most


when did you blush the most , not it's just the uh below what makes you want to be alive and then like second one,


I know when when you met your boyfriend after like so long, after a year right to finally travelling


still have like a trademark affect right after the plane, is it the mac mac love train thingy no right


yeah I was supposed to travel to UK this june


alright I mean so and life my sister right uh cause the husband was doing his masters so apparently singapore called back all the people who's in overseas, so yeah so quite chaotic also they had to just come back in like a week they had to


just pack up and then they still have stuff there in their house ya they had to just pack their stuff and leave immediately and then he did finals online


ya since march, they terminated it, ya and then all their stuff their luggage and stuff they had some some stuff over there they moved it to their friend's house


but I don't know how they're gonna bring it back here they either have to arrange for uh shipping does it work like that, ya they were there because of the masters degree but then my sister also got pregnant so they came back here ya they decided to just stay here until she gives birth and then after all this COVID situation in UK it was really bad in the sense that even though you have COVID like uh my


my brother-in-law's uh friends I think them did have COVID but when they went to the hospital right they told them that uh if you have just minor symptoms or if you feel like you're still you can still continue to take medicines then you should just stay at home


so yeah it was really a yeah it was really a bad situation like imagine something happens to you suddenly and there is no doctors there to help you or whatever so yeah it's it's quite like, it's a miracle that they actually got a flight back in singapore because if they're stuck there they have no one there to help them or help that they're in Newcastle


yeah so it's not really like the main city it's still very like everything is super far away the houses there should be like there in sweden as well right like they have separate houses, and it's only good if they have a car but they didn't even have a car so travelling was a big issue


ya also like a lot of flights that came from UK right all of them were infected on the flight and then, dude my sister was like having so much precautions she was wearing gloves and like yeah she was wearing a lot of things to protect herself cause she was pregnant right she didn't want to risk anything


so yeah luckily they didn't ask her to quarantine in a hotel because they had a house, so they just live in the house themselves for for fourteen days that's about it I guess


describe a despite the ongoing global situation what makes you optimistic about the future


okay, are you answering the question or


life goes on right, but I feel like it's it's gonna be a very long time until travelling becomes, normal ya especially places like india the cases are they're so so careless I


I think I heard a few cases where they were actually just not doing not really caring about the patients anymore they just let them die, ya because ya because there's only so much service they can provide and then the cases keep increasing rapidly


ya like if the if the patient is really old and really uh severe case right then they just let it die and then they just focus on the young ones it's quite pathetic honestly like also I think, the government played a big part in this because they didn't really have a proper lock down


I was there my aunt was there and then she was like it's a lock down but nobody actually cares everyone is just walking around as if it's normal and then they're not even wearing a mask, ya so I think


these kind of countries confirm will take more than, six months maybe for everything cases to drop, or even two times it's not like I think my grandma wants to come back to singapore but she can't have a flight because


if she do come if she is going to come back right then they're going to quarantine in a hotel and all that is going to, is that so really compulsory


ya because my mum and my sister and my brother-in-law none of them did a swab test only you did a swab test


oh, luckily it wasn't anything bad


the moment you get sore throat that's it you just gonna gonna have


I was having you know you have to wear your mask and take calls right so because I've been wearing the mask for continuously for for three days right I started having breathing difficulties and then I was so , scared I I was like you know then I tell my friends I'm like uh since this morning I was having breathing difficulties I think it spread out just quarantined me in a room and then uh going a doctor and then the doctor was like they gave me a five days MC


ya but and then we I finally realised that when I stopped wearing my mask in my room right I realised it was because of the mask, I was having difficulty breathing because the the mask that made of cloth it's very hard to breathe through that


like a lot of people don't even hear what I'm saying it's so muffled, you started working already right first of


how was it, uh I know one week two week


!wow! so what wear for three days for the whole month


oh !wow! so like the other four days or five days is for you to quarantine yourself


so they they will just last minute call you up for an interview uh sorry


but it's quite convenient though for the amount they're paying like your one is a monday to friday you know nine to six job


but you have to wear the whole costume and, so you like the swabbing do you actually do all the


so you're only in the office not in contact with the


so the patients will be there with you


how do you invest your money to accumulate wealth and while planning for your retirement


why like insurance, I didn't know that you're investing as well so are you investing on


, okay so for me right okay so how to invest your money to accumulate wealth uh, uh I think at this point of time right we are we are still a bit young so we haven't really thought about like planning for retirement yet


but I guess right in terms of investments stuff like that I guess uh maybe uh I try to like, spend more money to buy like stocks or products ya and then like uh stuff so that I guess that's how I earn


ya twenty or twenty five years you need like twenty or twenty five years then uh they would actually like you will see the return from there, yeah that's right


like have any insurance agent like you know like talk to you about the plans and stuff


ya I guess same for me ah since we're not like since we're still studying in part-time so ya when we , ya uh I actually did try it before it cost like about hundred and twenty that's the lowest


ya hundred and twenty each month, so one year it's like, times twelve lah, no after that I I stopped, cause I figure out like uh maybe at this point of time you don't really need it lah maybe when get like a proper full time job


uh it's the the one where you pay every month and then like after twenty five years you get like the lump sum back, ya that's right


I wasn't told about the twenty dollars I I think like maybe if I were told like they had like that kind of


oh yeah talking about like investment I mean like you're investment trained so you have like a bit of like a bit of knowledge here and there right


ya that's right understand, really, do they have like staff price


staff discount


roughly how much is it


oh my god so it's like, forty percent


alright nice okay so uh do you think one should own a credit card


ya that's right uh but not UOB


, uh DBS Citibank and OCBC, for different for DBS is to be like solely just for paying my education instalment loan


ah it's gonna finish next year, actually no you when you get a card you need to like decide like what what kind of perks you want actually the UOB card is really good the UOB one card but you have to spend on the card ya


what kind of service charge, no there's no service charge I mean like unless you don't pay your credit card bills on time then ya there is like you know interest incurred then late charges ya so that that's quite expensive but if let's say you always pay on time then it's okay


and actually the UOB one card right if you I mean like because you were also banking trained previously so you know how the one account works so for , the credit card aspect right if you spend five hundred dollars for three months during your during your uh


that qualifying quarter right then you get like fifty dollars then if you spend one thousand you get one hundred and spend two thousand you get three hundred ya, so I guess if let's say you are really a high spender then it's quite worth it imagine like every three months you get three hundred dollars that means each month you are getting hundred dollars in one year you get one thousand and two so that's that's quite a a big amount that you are seeing


uh not for UOB apparently, uh yeah I do I do I if to be honest I spend more than that but for UOB their criteria because last time we were staff right


so they look at our basic pay they don't look at our like they don't include like your allowance and your uh overtime and stuff like that ya so now I still don't qualify so I need to wait like four four months, but I think ya that's the card you might want to consider also ya for me it's quite useless honestly I I don't think I will meet the criteria even if I spend


if you spend five hundred dollars every month but if you don't try then no maybe you can consider like another card


because for the one card right if let's say you you hit the minimum spending a quarter then you also spend on the UOB one card you I mean like your also spend on Grab right Grab related excluding top up, I I think it's like additional five percent more so you really see the money there as well


so you get even more and then uh if you pay your SP utility bills as well then it's even higher as well I think it's one percentage extra, ya and but the good thing about only a a card I guess is you can pay by instalment ah


for my education I'm paying by instalment not paying I didn't take up any loan because the loan you know like uh you need to pay a processing fee it's quite expensive it can be like four percent per annum five percent per annum depending on which bank


uh four or five, ya and then like for for uh C C right zero percent per annum so ya, you have to pay like all pay it well lah I mean like you cannot like uh stop halfway and say you want to pay the full amount so that one is acceleration then you need to pay the cancellation fee and stuff like that


you can try I mean like but you have to maybe if you don't really want to put a high amount like your credit limit can be lower


and by you only use your card for the aspect like you're only gonna pay for your education and not anything else but actually if you were to use your credit card right and you you pay like for , uh like airline booking and hotel booking right uh you know for airline booking for most credit cards you get like like a bit of extra insurance


yeah if uh depending on the card that you use, and then uh the good thing about credit card also is uh you can you know get priority pass so you got like lounge access


ya ya , I guess since we have experience in the banking sector right uh like


you see the customers and then everyday you always get request of people like requesting for waiver yours because you look at your spending and then, sometimes they tell you especially this COVID period sometimes they're telling you like they can't pay and then you have to like liaise with the credit management to you know like


work out like some kind of plans for them and stuff like that and then they will tell you like you know their story like their business is affected and stuff like that so you it uh it really scares you at some point of time like oh I don't want to go to that extent so I'll spend within our means


okay so let's ask another one so what are your thoughts on CPF contribution


the contribution the same by the way, twenty percent and then employer is seventeen if I'm right


yeah exactly and some more you can't really like take it out so like can you tell me more about like the CPF investments since you're investment trained so how how's it work out


then like so you you can't take out the money right so it will always be in in your account


ya I mean like I I do have enough but I am not really like sure which like stuff I should invest on so


is it each month or one time every three months okay, ya I guess it's not so bad because it's like one dollar each month right


ya can imagine can imagine them asking you for like a waiver


I know oh my gosh ya ya I understand, like they should know it before they did it right


so a lot of money it's like here and there


ya and it's more worth it from there I guess


ya so I mean like we we can talk about like our old work you have like a lot of negative experiences, so what's your worst customer


you mean like colleagues


ya oh my god ya ya ya the way she treated you was so bad but so glad that she has left you know


no she went to the to the floor like two two floors above us I think two or three floors above us I heard that she was outed or show a big scene I don't know


ya and !wow! she was like uh stuck in the philippines for so long she only recently got back so it was like


ya and then like I understand like cards training is quite bad right the reason why I also quit was because of like uh internet banking and cash class training so you know what our training was like uh uh I guess about like one week


or so I I forgot already but that was not enough like support or mentorship, you know because they not not like last time you know like you will have trainers like near you like go help and stuff, so like you know after the training right like if you really needed help especially with personal internet banking because they throw it to you and ask you to do all the shit ask you to do the work right


at that that point of time right uh you know like wanna ask the trainer and then she was like oh I'm busy I'm on another training I'm like oh my god who else can I ask, ya I really hated that lah but


exactly


and ya and then you know like uh I'm not sure about you but like maybe two two weeks before I left right they kept assigning me to like urgent order the callback cases


you know uh, some PIB mostly cash plus and cards, and you know like the reason for all this order take uh callback cases is because we have a lot of temp staffs right, it's really frustrating because they keep employing like temporary staffs but they don't want to like you know


uh get like proper staff and then like you know the the ones that the senior staffs are the one that is suffering, and when ya all that the cases that you'll need to order take callback right it's it's terrible [Iah] it's like I guess it's like uh uh fraud cases


you know like dispute cases uh unauthorised charges you know like rewards appeal when you know how some customers they are very uh, if they want it they want it like you know they won't take no for an answer


so the the worst experience right was actually on the last day, uh you know I was like on split shift right actually I was not supposed to be working on that day


but uh because they did not uh approve the leave and I didn't want to work like you know on on the day right so I only applied for one day leave and they they don't approve it and so I managed to like swap shift with someone and that person was working straight shift so that means I'm yeah I started work like


exactly, I'll tell you like shortly okay so it was on I still remember the date it was on the thirtieth of uh june uh yeah thirtieth of june so but the thing is right so I started from ten AM to like uh two PM I uh ten AM to


one thirty ten AM to one thirty PM and so from one thirty PM to six thirty PM I had break, so I'll come back only from six thirty to eleven thirty right you know like during that one thirty PM to six thirty PM right the team manager actually assigned me like twenty plus cases for order take callback


and you know because it was the last day of the month most of the urgent audit order take callback cases right was actually because they wanted to redeem their points and because it was the last, day of the month uh of the quarter right so june june is the last quarter so if they don't redeem the coins uh it will expire and then if you want to redeem it again want to reinstate it you need to like


you lose a bit of your points and stuff like that so I was quite pissed off because like I from six thirty to, cause we are not able to call like customers after like nine nineish eight thirty or nine I remember getting scolded one time for calling at eight thirty ya and then yeah that's why I didn't manage to


no you can't because it's too late, ya and then there was like, exactly so I was like I was quite pissed off so I I think on my last day I was like


I I really I had to send an email I said like I was on split shift I only came back at six thirty and from six thirty to eight thirty or nine I only had uh I only could do this amount of cases and then after that I'll uh I was asked to go available again, and then my last call was a super bad one


exactly, exactly I was shocked


and then you go on leave


ya ya they actually they should know as well


oh god I hope you managed to get back, ya they actually did on the thirty first of august not sure if you checked your bank account, yeah


uh uh end of contract bonus, I'm not sure if that one would be on the fourteenth though maybe it's on the fourteenth, but for the thirty first one, oh maybe it is ya ya ya I I I think you got both but you should get your allowance as well at the same time


but I know like uh for your cards one you had like a very tough case as well right


and also many I remember, I remember rebecca coming in coming in to the room and saying that complaining to staff that uh zoe was so bad why did she not take the case, take the case


my gosh


then you on leave she wasn't aware that you were on leave she also said she came back


oh no


well it's not really entirely your fault though uh I mean it's uh the whole they didn't like communicate well and as well that was a bad experience


correct they are all temps, they are all temp staffs


I heard they're going back on uh end of august, probably because right now we are at level twenty five and and that's like really the best floor there's like only five of us in the room no is that five ya five of us in the room ya


oh yeah


that's true, ya and then like I heard that uh your seats are not like uh confirmed right you have to like switch around all the time so you don't have a


oh yeah yeah I heard about it


maybe I guess because they are like much senior already so they, that's really bad


I'm glad that we don't have that experience in AB, it's a nice


okay


oh ya ya ya


I I think so too was because what was the reason, that SIA form


ya lah ya lah


ya I mean like of course we were together like I mean we were there like for how long one and a half years no more than one and a half years right like about almost two years or two years or so yeah


I think mine was like, don't don't count like my long holidays lah but it was also like two years as well, I I joined on august twenty eighteen


I left on, technically because my my last day was supposed to be on, on the third day of, I probably would ya probably would I would have hated my life I really hated the job


it once six months plus three months extendable so it's quite good because like I can still study at the same time


actually no it's really good yeah it's it's very smooth it's very fast, nah I'll just come back and take a shower straight away


yeah and we have like different areas for like gowning anti-gowning and then we have like a area where you know you rest uh after you take out your gowns so everything is okay actually, and then there's like a lot of sad cases, no we we can be anywhere the last time the the places that I went was like pan pacific marina bay sands


and, the national service resorts and then like a hotel at Bugis and then holiday inn as well so there were a few places like one day maybe you'll go to two locations but they will like pay for transport I mean like when you're going


not when you're going there but when you're when you're going to the second location right uh maybe like two or three of you guys will like sit in a cab and go there ah when there there's like uh there is, uh free transport lah when you're going to the second location


no there's like a coupon code uh Grab coupon, Grab promo code so it's quite good, I think so but I heard like from uh the new batch onwards the pay will be lower


maybe because they have so many people available you know


that's true that's very true, yeah is your sister living with you


ya that's right


uh, I guess it's not really a a big like err a big thing but uh of course you know like travelling to sweden the, the travelling time is like really very long it takes about fifteen to sixteen hours and then I'm always going there alone so it's pretty boring


ya then imagine like someone sitting beside you and stuff


so when you want to sleep it's a bit hard so I always try to book in advance right so I'm able to actually get a, a back seat you know like the the last one hopefully so I can like legit lean all the way to the back but uh I think the the one that really like uh left me in awe right uh I guess


was the the recent one when I came back uh on april uh yeah because of the COVID nineteen so actually my flight was cancelled, and uh they actually rebooked me for an earlier date however my transit flight was I think like about twenty eight hours later


ya from sweden to singapore but uh the transit flight from qatar to singapore is like twenty eight hours later so uh I kept trying to call uh Qatar airways and then uh they were actually like uh very busy so we had to really call like on the dot when they open their line


ya they managed to like put me on a like a much earlier transit flight so I only had to wait like about two hours plus and uh the thing about that flight right was that uh there was only seven of us in economy class


ya and then like uh we uh each of us all like had like a air stewardess to ourselves for ourselves yeah yeah and they were really very


ya like what can you, oh no no and because during that point of time right uh qatar also had some like travel ban so you were not allowed to go out to explore so actually I was like oh twenty hours is okay if I can go out of qatar you know like go out of the transit area to explore qatar


you know go for their like uh tours and stuff like that for few hours then that is good right but then like they had a travel ban and I was like what am I gonna do in a flight in the airport like for twenty eight hours, and no way I want to like you know book a transit


exactly so yeah I was quite lucky that they managed to slot me in to an earlier timing and uh ya I didn't have to pay for the newer, what about yours


oh my gosh


no scared , I didn't know you went to india on february


ah which part, which part of India, !wow! I wanted to go there as well who who did you go with, oh oh uh ya ya ya ya okay okay now I remember


and then like when you came back did you have to do yours SHN


oh gosh, my experience was a bit uh different because when I when I came back to singapore right uh they immediately brought me to NCID to to get tested


and after that they told me I could go home so I went home uh I had to leave my luggage at the airport because uh they sent us by ambulance like me and another guy, to NCID so they were like uh you can take your luggage like another day or something


and then ya uh ya so I went home and then uh I managed to get likes the airport to send the luggage over but I think I had to pay them like thirty bucks, ya I had to, I know right I mean like of course I mean like I couldn't even go out ah because I'm still serving I was still serving my SHN and then uh ya I think on the third day of my SHN right like there were like uh those


officers that came uh they actually called me and asked me why was I not at home then I was like I'm at home and then apparently they actually went to a unit above so I I don't like uh were they not able to read uh like number six and number seven


ya and then when they when they came uh when they came to my doorstep right they were like oh uh how come you're at home you're actually supposed to be in a hotel serving your SHN and stuff like that so actually the next day right , ya the next day one of the officer actually contacted me and told that I have to like go to the hotel immediately


so I went so it was just in front of pan pacific it's , uh I I think it's pan pacific I can't remember but uh the hotel that I stayed at was at uh mercure at stevens ya so I had like ten days there and it was like quite a good ten days because I was I had two assignments due and I was able to do that like peacefully


ya and you know like uh our job right is stupid because actually I was supposed, ya I was supposed to get back to work on the eighth right eighth of april and then uh they still allowed they still paid me like in full


so I guess that that was nice, I'm sorry, what number


when did you blush the most I'm not sure actually like what what


maybe I guess, ya but I I guess when you like take a very long flight right the moment you see him like ah, just want to go home and sleep you know like you feel like sticky


ya that's right so after you land and then I still need to take a train it's about three and a half hours it's a high speed train, no it's a normal train I guess but its quite spacious and uh they have like a first class and second class so second class is the normal one


(oo) ya ya ya


!wow! I I mean it's both good and bad I guess but speaking about that topic so your sister's back in singapore already, and then what happens to their accommodation there so they had to terminate the lease or are they still paying for it or or how does it


I see


okay oh you're not going to stay there ah so the reason why they are there is just only because of the master degree would they be staying there like


ya but it's good that now your sister's back I guess like your mum also can take care of her


I see okay so let's move on


what what do you wanna talk about, I guess we can pick things up where it stopped


okay, ya we still have to live I guess so


ya I don't I don't really have much to say about this thing, about the future but we still have to live so, ya that's why


that's true


that's right


and she has to do the the test as well when she's back, yeah, I I think nowadays previously was not but now now it probably is


ya I did but uh that was because I was having a bit of symptoms because it was quite cold during that point of time so just to be sure I wanted to, to to get it done like like flu sore throat and


like that ya cause it's really cold it's really cold and you're not used to the weather because in singapore it's really hot so when you go to like sweden right I'm always having flu, ya and that's right and then


correct and then like I had a bit of like asthma because I I think it was because of the cat's toys and stuff like that because my boyfriend's parents has cats, that was quite was quite bad


oh yeah


yeah exactly and then like having to wear it like for so many hours especially when you're talking it's really terrible and the calls are nonstop, ya they keep saying it's so muffled so muffled so muffled but what can we do right I mean like


I'm not sure if like uh raffles had the like spot checks and stuff like that we had it like one, ya yes I did, uh my first day of deployment was actually on first of july uh guess how many days I worked


no like so from first to seventeenth of uh july I had no appointment, and then on the eighteenth was my first deployment the the followed by one week later for one deployment


and then another one like last when a seesaw in I'm doing like the month of july only have a treat limits, yeah and because they they said it would actually be like from


like maybe eight AM to like four PM or nine AM to five PM right but end up like you know like the working hours was like eight to eleven eight to twelve, ya nine to two and four like that, ya and


no you're like you just be on standby so now I'm on standby that's why I wanted like a bit later timing so that you know I can be sure that maybe there's no work just in case


ya not not really call like if you don't receive like any whatsapp text by like eight or nine PM then you know that tomorrow you're not working , so I will like tell all my friends I'm like okay evening I'm confirm free but if you wanna meet on the day I only can do a raincheck and let you know like the night before


exactly they initially said it was six days a week, so imagine like you know not having any deployment for like


yeah, not yet they haven't tested us yet so I did like other stuff like uh admin support and the assistant role


sorry not admin support I mean like the assistant role where you stand beside them and you know like, you know help them stick uh the stickers the name stickers of the queue and then like open the bag for them and then like you know help them and all like with the tissues and


ya that's right


prompt one of four


hi jamie what's your one financial advice that you give yourself to five years ago uh


oh you don't change girlfriend every year


probably try to make more money lah instead of saving lah, I should have not be a employee so early lah, ya now I too old already ah now no energy


imagine if you are imagine if you are like twenty early twenties you can do anything you got no you got no not much commitment ya


holding on lor that's the word lor holding on lah, then how did you manage your cash flow how much of your income is allocated to savings expenses or investments


thirty percent okay


!wah! but your thirty percent is like a hundred thousand and that's quite a lot lah, okay no lah for for me I think not applicable lah because mine is totally opposite because I doing my own gig mah so all the money is actually to the business first so myself is like like almost nothing so


totally different lah totally opposite, ya so, ya lah so is like mine don't have lah


then , what can you do to earn extra income or to improve your


what have you been spending too much on what have you been spending too much on lah I know what I know how you spend your money lah you basically don't spend lah but but how how what have you been spending on recently that is quite a lot


ya lah that's why you see my my computer until now haven't update yet ah, how do you manage your financial commitments before and after marriage


after your first and second marriage lah


gently tap your smartphone, oh mine mine is never lock leh so don't need to this one right, I but I can see lah it's still


then how much do you give to your wife your uh your first and second wife, uh I mean your first wife first lah


everything you also you pay then but she is independent


oh okay so but but as in household electrical items all this is you pay lah, then what she pay what, !aiyo! then like then she should come into this discussion guide instead ah not not me ah


then you cut Liao !huh! , uh, okay okay but then, okay but then you don't give her like say like say for let's say for dinner you got eat dinner you go out uh like for whatever


you also still have to pay, so uh so, at the end of the day she got more savings than you lah


but then you say you also do the online shopping you everything you pay the electrical items the household item, then you never keep track of your wife so so this like how do you, save and spend your money so since you are married ah then your wife money also is like


your uh your your combined income lah so if you don't know where she spend on then, something is wrong right, so is her money is her money your money is her money


something like that, but you see if you spend on her also you say so, but don't forget you have to


okay lah so, so let's go now, should you DIY, or get a financial adviser to plan your finances, personally I like to DIY lah


so for me if I if I mean you plan the finances, I also sometimes also like damn Sian to explain everything to them so that's why I I DIY, ya, I also know you like to DIY so


uh, so, how can you okay, do you have any what's your current savings goal now, like how much like like why you like, how like how many millions you need to save at time


for baby okay for kid then


so okay let's say currently now you say you are, saving for a kid right so like currently your current pay how many percent like, like from this uh from your savings that you you, how many percentage you use is for your kid for your future kid kids


oh the thirty percent that you save, so the thirty percent is hundred thousand so ten percent is so ten thousand lah you saving every month ten thousand for the kid


okay so how uh so how how many months okay, how many months will you will you I mean how many years, will you save before you you think it's enough then you can get a kid do you you get a kid, how much you think is enough how much you think is minimum


!wah! so as in you save until university amount then you come out one kid ah


no I mean to come out one kid, I mean to come out one kid, how much will you need before to to come out with one kid, probably sufficient to have three one kid lah


one what if you have triplets suddenly then how let's say let's say you all the way planning for one kid then suddenly !wah! three come out, then how do you have any like, backup, can you be able to to use your savings still or , it's uh going to be quite tight


still still okay ah, okay so private hospital or public hospital


okay I mean if if three is public lah if one then may private lah, oh ya okay okay, then in uh I mean let's say now post COVID right what any any special any particular way you will save now you save more you spend more


then how about your your wife, because because you say everything food, she you you pay mah, so I mean she order also lah so when she order then you just pay lah, so even sleeping then she buy food then she you just pay lah, uh uh I mean


I mean midnight when you're sleeping then she want to buy food then how, so uh, so okay you okay you just now you mention right because you're married right so you save out of your thirty percent savings you ten percent will be for your kid so is that borne all by you or or your wife also will uh save also or everything is by you


so this one is together lah that ten percent, ah okay okay so but your so you have a joint account so your personal account she don't know how much you have lah


the the the millions right don't know right, okay very good you, okay because I think if one Gino you have that much ah I think not only order Grabfood I think order , something else also ah


okay then what are your thoughts on CPF contribution


basically when when I was employed I I I didn't think so much about it lah so so just contribute contribute but said when you are self employed this contribution is quite a headache lah although yes it's uh, I mean like let's say you can buy you can use it to buy a house or you can use it as an investment but then if you are self employed this one is a bit


uh, double edged sword lah double edged sword, , okay then how what advice would you give to someone to get


okay I think for me I think maybe this person, uh, probably, go on a minimalist lifestyle lah so everything that he doesn't need he just sell whatever it is so he live on uh, very minimalistic budget lah and lifestyle until he gets out of that lah


okay then what advice would you give to someone in order to reduce their income tax, okay then I say first lah where I I I I tried before so in order to reduce the income tax I


I make donations, so every time those those people asked me for donations they say eh this one can can have a tax rebate or whatever so then there's there's one way I I reduce my income tax lah


!wah! so this one we covered eighteen and nineteen together lah, ya very clever okay so what advice would you give to someone in order to retire comfortably we only got one hour eh one minute thirty seconds


catch again viruses also, catch again viruses also


uh doing doing one ah I trying to do two lah, because I don't want to retire at sixty plus lah I want to retire like, like, early ah earlier lah, so actually we can do the number ten the FIRE I like the FIRE but then we got not enough time lah so


so you know but you you know of the this FIRE, the FIRE or not retire early uh you know or not are you , I believe ah financial freedom ah I think you want to have all this kind of freedom and retire early I think cannot have kids so early also ah


ya so so try to delay your kids ah, !huh! they they depreciate ah, oh I think more than car leh, ya so so no kids


record, neglect, ya prompt three of four,


what is it what frustrates you, ha I know the app frustrates you right then , !huh!, slow thing is the appen ah


eh actually good leh it it gives you a business idea leh to do something, more to the app leh you can come up with a new app leh that old people can use because you always have a funny ideas for the app right, ya so you can use all the the comments to to create a new app for old folks eh


uh, since you already got all the feedback, uh what frustrates me ah, uh uh


a lot of things lah blue ball black balls also have lah but I prefer white balls lor because easier to see when playing soccer in the dark lah, I don't like people who use those black colour ball and the blue colour one like cannot really see in the dark because I got, a bit of the night blindness so I can't really see ah


I drive pretty well because my my headlight is quite bright lah , what's the worst day you witness you lor you after you get your first wife then you get your second wife then I keep quiet I never say to anybody


okay we don't say uh what's the worst thing you've witnessed, keep quiet about ah , I really keep quiet leh uh


what are the worst thing I have witnessed and kept quiet about I think very rarely I cannot remember now lah what about you


recall a scene for a movie that made you too angry to watch, Netflix lah you say you like to watch Netflix sure you will know something lah, recall a scene from a movie that made you too angry to watch ah


actually most of most of the china eight shows lah, hor you, ya because you know like what's going to happen and yet the guy or the girl still go and do the thing right, so like make you quite uh quite angry right


cause channel eight shows quite predictable right so you know what's going to happen then in the end it still happen, and also maybe I cannot remember exact scene lah but I think most of the show uh most of channel eight drama shows lah, ya because I no Netflix mah


describe the time when you are unable to help someone in need ah


last time when I was in the when I was taking bus ah, then I saw, someone being knock down, but I couldn't and then I I didn't help lah because I after I saw eh, actually the person die already lah pass away already ya so


so I I couldn't help him lah so actually I think eh I help him but then actually but then there got people already lah so I I also, didn't help lah , I think secondary school ah


bloated no no no no no nobody come yet, haven't build the police all this haven't come yet so and then after I saw the body was in a very weird angle so I think there was no way he is going to be alive lah


note what is your greatest fear , ha I know this one wife number three


what is my greatest fear, my greatest fear, is, not being to my full potential lah so, so I always have this thinking ah that if


like the the worst, uh something like uh something to do with your worst fear like where your worst fear is, when you die, then you go up to heaven then you see, your yourself, no no you don't see because you see the person that you supposed to be that that means who are you full the one that reach your full potential


so you see that guy !wah! the guy actually if I mean if you had done it yourself you will become that guy also so I think that is my fear lah, so you have to to do it lah, so I want to try to be as as much as possible


, , do you have phobias how did you overcome them, I know last time you got phobia of marriage lah but how you overcome


some more got two marriages ah you , no phobias you got no height phobia ah


no height phobia okay I think I don't know whether is it call a phobia or not lah I think scared lah so back when I was doing this bungee jump lah, then before I go up there I saw people in front of me, so the person will will will hold the rope


uh uh no I think don't know hold the rope or they will push you uh so they'll say, like they will count down five four three two one you know they will count down so the person will always five, four three then three ah, push you so, so uh how I overcome ah cause I don't want them to push me


I don't want them to shock me so in the end when they say five, then I jump already ya so that's how I I overcome I didn't, that's how am I overcome lah so so this really applies to everything uh so before , anybody want to do something I I do first then then I won't I won't I won't be so scared lah


that one was in Phuket, ya, so from then onwards I think, it's not so scary already lah so in the end after that I tried another like


three more times the bungee jump, ya now now old cannot do already lah but younger still can lah, ya maybe your birthday we do bungee jump for you lah, describe something you watch or read that give you goosebumps


when I read goosebumps books lor, something you watch or read that give you goosebumps ah


something that I saw lah something that I saw, ya I saw dirty thing so, that time when I stay in japan when I'm driving suddenly I'm as when before I saw the thing ah, my hair already stand and after that, like three seconds later I then I saw the thing


so that one really give me goosebumps lah all the hair in my body all stand up ah, no hair also grow hair also ah, !wah! okay, then you you got no goosebumps at all ah


!aiyo! I getting goosebumps also ah, you should tell me first lah then I can describe something that I got goosebumps from you lah , no ah, uh


!woo! no need to continue , uh, !wah! what is your greatest fear you got no fear right because you got two marriages what's your greatest fear


cold blood marriage ah, you got a lot of money ah to pay the divorce uh alimony ah


what what is it what what what is it, you also don't even know , losing your close ones oh, okay okay okay uh describe an event that made you very angry


your father asking you to do the app thing lah, no ah of course , you can't remember an event that made you very angry your mother and father asking you app


of course you like to save right


house lah !aiya! house don't say debt lah, then but she she she she learn lah


so you change wife never change right same lah, uh, made me very angry ah that


that you have so many wives lah, uh this I mean I think ah I everyday also very angry so I don't remember which , which, my parents made angry ah no not really quite angry they all made me irritated lah so lor


uh uh make me very angry ah, somebody that describe an event I think no, no no that one I'm not angry that one is like


no no no no not that one it's not, event that made me very angry ah I think mostly is due to driving lah there are a lot of people don't know how to drive properly ah, then uh this one then too many events lah


uh no I'm the same person and I I before driving and after driving also very angry one, so what disgusts you


oh I disgust you ah I don't know you say you admire me, disgust you


three TG one three


eh come say what kind of thing is that , uh , what disgusts me ah, sometimes ah, I can don't like don't shit for three days and then I !wah! feel very disgusted disgust [sial] like !wah! how come cannot I think got constipation or what that cannot cannot poop out


so really quite disgusting leh actually then once it come out ah !wah! the toilet bowl stuck then you see !woo!, !wah! three days' worth lah it become hardened , so that one disgusts me lah, then what disgusts you


my my story ah


but you also got a lot of money what you also can do anything you want mah


then what what is the issue that you feel upset over because you feel the world needs to do more about it, I think the world ah, needs to eat more healthy ah, cause all of all the, processed food


I mean for me also right !wah! very easy to buy so !wah!, I feel very upset ah like like yesterday I want to, buy this healthy snack bar, then I see !wah!, four dollar fifty cents leh for for that small size then I look at the other, at the the similar sized !wah! this one damn unhealthy and it's only one dollar fifty cents so !wah! then so I thinking to myself !wah! if I want to become fit ah


or I want to eat healthy !wah! this is, this is very ya it's very expensive for me so this is something that that if they want people to be more I mean to be healthier I think they should, at least make the price similar I mean this with such disparity such difference


how how every I mean like HPB lah whatever those US they say !wah! a lot of obese lah then what of course you see mcdonald's five dollars, you wanna eat healthy salad !wah! six seven eight dollars so let's say if you don't want to spend so much money then food is just food to to sustain you right of course you go for mcdonald's right then when you keep eating mcdonald's then


you will become fat so this one I think the world needs to to to to do more lah, true lah like of course you need to exercise okay let's say these two guys


exercise every day one guy everyday eat mcdonald one guy eat, eat healthy food of course the the long run this healthy guy with healthy food will will be better mah but let's say if they don't have the exercise you see all these obese people they also don't exercise mah so in the first step


ya so obese the first step it should be their diet mah right so it's easier for them, I mean if they can eat something I mean if they can eat something , tasty eat something filling, I'm sure they will go for the healthier food but just because of the price only


and chicken wing is so so cheap, a time when you hurt someone's feelings, when I say you have three wives lor


describe a time when you hurt someone's feelings , uh


I think maybe maybe, actually uh a lot of times I I didn't know I hurt someone's feeling until like, few months few years later so it's probably when I speak, my mind lah so without filtering it lah so I think a lot of times lah not only one time lah


I think sarah's sleeping already [lah]


then must clap okay I clap already ah


no I mean don't say me lah I mean say something else lah


oh actually what amazes me is ah, not not not all these things lah what amazes me is last time you know last time got SARS right, then we all don't care right we don't care is because we all young right then now this COVID ah !wah! really really hurt us lah


so this one really amazes me ah so I mean now those kids ah they they they think !wah! no need go school so Shiok ah but then next time maybe next twenty years later they got this , COVID twenty five COVID twenty five or whatever then they they realise , !wah! they they go through this same amazement as me lah


, then what's the proudest moment of your life, first wife second wife or


proudest moment ah I until now I don't have one proud moment yet lah, anybody can be Tauke you go to ACRA and just sign up jimmy private resort also can become a Tauke


I think the proudest moment maybe not starting the business lah I think the proudest moment would be to to quit my job lah so that job was paying quite uh quite well then, I manage to to quit lah, ya so I think that was proud lah not I mean


admirable I admire myself for quitting when when, when such a risk because it was such a risky period lah


which aunty the the chill one ah, which one which wedding the first one or second one, only one


oh okay okay then I I I I want to meet her soon lah, what else driving very fast, yes I think that is only one lah and also chasing lah chasing


chasing cats chasing cats and chasing dogs lah, uh because last time when I young they always chase me mah then now I chase them back lah because I bigger size now


actually I'm not so optimistic I but I am I always believe whatever goes down will, go will go up lah so, so now is really quite down so the only way is up lah so that's the only


and also because our jamus Lim also lah so that's why I optimistic


don't give them a blank check oh, wait we cannot talk about politics here I think just now they say right, uh can or cannot, what is your best surprise, ah I know what is your best surprise but you cannot say that one R twenty one


then which one was your best surprise the first wife or second wife, second wife first wife the first one lah, okay okay , my best surprise ah


what's my best surprise ah, my best surprise in knowing you lor, uh I I don't have a best surprise yet lah


when I say my best surprise was you lor, uh describe a time when you made a comeback that shut everyone up, uh


probably in NS lah, hor because my NS, uh, because my NS in is in SCDF mah so


they're, uh the more of uh, uh, malays than chinese lah, okay so, not really a comeback lah but more like a, uh fight back lah


so there was this this group lah like keep making fun of uh chinese lah so, oh no racial here okay okay uh some group of people


some group of people , that uh, uh they made fun of another group of people so I I manage to, to use some, verbal and some physical words lah then


so then after that nobody disturb anybody anymore


don't say your wife lah because you haven't scold your wife one, say to uh some other thing, most of the time lah, where is she now she's inside the luggage behind ah oh see got one luggage


eh you haven't reply the comeback yet


uh look at you lor like sometime I look at you then I feel quite, uh quite calm lah, sometimes I very angry then I look at your face then I feel more calm, so like that's something I do to , I don't know lah like I like I like to drive lah I like to drive and and drive above suddenly above the speed limit lah


how what about you besides using your wife lah


online soccer can relax ah wife also go and play


nothing so okay now I know, when what is the skill or ability that that you're proud of having


like are your hands ambidextrous, sometimes I use two hands, uh probably perseverance lah


sometimes supposed to give up I I never give up so I think thought I I don't know it's a skill or ability but more like a, trait lah so, uh oh ya perseverance lah and determination


what makes you want to be alive, uh what makes you want to continue living, debts lah beside debts and house and wife lah


have you experienced what life has to offer


my parents lah so I would I I , want to, provide for them lah provide for them (ppc) and for them to, to retire fully and also bring them on holidays lah so until now I haven't do it yet lah so a bit a bit Sian lah


you you borrow me money lah then I bring them go lah, because you got a hundred thousand savings ah, when if you ask me when did you blush the most is just now lah when you say what amazes you lah because you were describing me ah


this one also cannot really say lah but uh


who was the biggest reward ah, probably just now the the issue that I said lah hor just now in in my NS so from then onwards,


nobody dare to touch me lah so I think that is the reward lah


oh I think I also something similar lah the biggest reward I think I got uh I think two H two O, two H two O bottles when I after I donated blood lah, so that's my two H two O the drink, ya after I donate blood ya that's my biggest reward lah


other than that, ya actually other than that the biggest reward also ah like, uh I think remember I was young ah, it's uh secondary school sec two ah, then I was at this coffee shop then I was walking past or something then I I


I, I can't remember exactly but I help this uncle lah, then this uncle say !wah! he actually then he thanked me then after that he say uh, he keep mumbling this number lah, five five four four five five four four five five four four like oh okay okay and then after that I go and ask my father go and buy four D ah five five four four because four numbers mah !wah! then next week come up first prize ah I think this uncle is like some some fortune god or something lah so so I think ya this one is something something weird also lah


ya, ya I want to find after that I want to find back the uncle I don't know where he go lah so, so I think he must be some , Cai I I really think he must be some undercover god oh uh undercover ya


describe describe your travel experience ah, luckiest no like no no no because ah, after that that week my father never buy the four D


actually this one is describe the moment when you felt the unluckiest this is the moment lah I ask him to buy keep buying ah then after that he say he never buy !wah! Sian oh


oh oh maybe for later okay okay, describe uh, your best travel experience


that left you in awe leh you say relaxing unless you very long never relax lah, you don't have then you don't have lah then we skip, uh actually I have leh


in japan also so so we we got a hotel up on the hills ah so we rented a car, mount is near mount Fuji but not near mount Fuji is a damn Atas, hotel that that


uh that's on top of a hill lah so, you you have to travel there by yourself lah for me then we rented one car so, because of my fault, I I because it was uh uh close to winter period so


nights night the night time gets the uh it gets darker earlier, so I wasted a lot of time so I thought okay we got a lot of time then we travelled, no I mean we drove up the hill !wah! completely dark man a lot of times I think I almost dropped down the hill lah


so when I finally arrived, uh the hotel I like !wah!, this is a damn Shiok experience cause it was raining , the visibility was low, the lane only one lane and I also


also like I think I saw something dirty there also like !wah! the I think all in all makes it a very, good experience lah, ya you must have this kind of ah of funny things then then for me is quite


uh quite experience lah for you you like relax lah so that one not for me lah if relax then I won't be in awe lah


uh, okay lah, can lah we rarely talk to people because we drive by ourselves lah, uh I think !wah! we almost cover everything ah oh ya we haven't do yet what leads you to experience an adrenaline rush


no for you I explained to you mine but you never say yours, ya you play football also lah so you only got one hobby ah chase lah


chase chase for the ball lah, you get a rush from Netflix ah what kind Netflix uh Netflix and chill lah


what kind of what kind of rush do you get from watching Netflix, oh I know because you every time the subscription one month one month leh you use different credit card then why you feel quite rush to not pay them right


uh okay then, !oi! what despite the ongoing global anxiety what makes you optimistic about the future


that made you lazy also lah, then what what, what what is your luckiest moment


!huh! you how much you deal, [oh] no wonder you got a hundred thousand savings [ah]


okay I would say I, I was uh I mean I wished I'd saved more money I started saving more money, when I was younger, and then you know buy less uh branded stuff


or know don't always change my phone every year, and, that's uh okay then okay so because you I mean if I mean if you were to save more money we can do more things right I mean like for example you can use


I mean you have need to save money first before you invest, ya so and also wish I would I would start investing when I was younger lah


so you should be a Tauke you should be a boss earlier lah


thrown away barney you are still you're still holding on I mean you are still hanging out right, I mean in this in this climate lah


to instill discipline you know , I mean I I I need to instill instill discipline uh myself, uh, so I'm always , whatever salary I earn I'll just uh save probably about thirty percent of it first


and so automatically it'll be transferred you know transferred to another account, and then also I will use part of it to, for for for an regular savings plan, which is for


reserved uh for bonds and ETFs, and then also another part will be, probably another about thirty percent for my insurance, then the rest will be my expenses so it's always, save first and then spend so that's my that's my that's my principle


right


I mean yours is a employee and employer different mah different priorities mah you have to keep your business afloat the business is your life


I mean it'll be good if I can set up a side business, but then since, uh , maybe I'm I'm not ready or something so, uh I don't know I just I just you know like do surveys for


, like for mystery shopping you know stuff like that but that was quite some time ago lah


I do a lot of quite a lot of online shopping but it's mostly for, household items, for electrical appliances which break down and stuff like that and then also I mean we guys uh there also will be gadgets


I suppose but maybe not for you you can use uh I don't know


uh okay before how do I manage uh I mean I still I still stick stick to the save first before, save first before I spend lah


ya so ya I mean I I stick to the same principle of saving first before spending, uh okay the thing is she's financially dependent


and then whatever, household expenses everything also I paid, so ya so I, ya she's financially independent so while while should uh while she's working she's financially independent


and then everything else also I pay, so why is there a need to, to give her an allowance uh I don't I don't see I don't see the point, everything all the bills everything also I pay ah


she you only pay for WIFI internet only that's the one single thing that she pays for


okay ya dinner dinner or food delivery all this most of the time I will pay, well I mean she earns lesser than me but


surprisingly I don't know why she has less savings than me, shopping online shopping, I don't know I mean


no lah I mean the thing is her money, she she handle herself lah, my money is also my money, !aiya! as a man as a husband you have to right


ya I've brought my elderly parents also


yes I mean who I mean who who better to you know know your finances than than yourself


no lah I mean the the short term goal will be to save for, future and to have a kid, wait for baby ya, then the long term of course will be, retirement lah and of course in the I mean in the current present situation will be for the house


, you know my parents, ya so these are the current commitments lah


okay uh maybe if it's like, out of the thirty percent that I saved, well, probably probably ten to fifteen percent will be for for the kid


nonsense lah you can you


the thing is you need to plan until university right and they say is one million so anyway this is an long ongoing process, no no no no I mean this is still this will still be okay I mean


I'm not too sure but I think there I think it's still I think it's currently sufficient


I think it's going to be tight but then I think we can adjust we can manage


doesn't really matter public


I don't know it's it's I think it's indian is still about the same, think is still about the same I mean you you save in you save on transport, but then you will spend on like food delivery, but in the end it's still about the same


no lah she won't she she won't and she will never do that lah


we do have a joint account, ya so correct ya , uh so at times we contribute lah


not millions lah you don't don't talk nonsense lah


I think it's I don't know I I think it's I think I'm neutral about it the good thing is that, uh you can use it to pay for the for the flat, for for your condo even


maybe it will not be I mean it's it's also like a retirement savings but , uh the fact that you got to meet a minimum minimum sum, it's uh


I think it's and then after that when you when you draw out your money actually depends on how much you earn also so from the start you know I mean the more you earn the more CPF money you have lah, so if you if you don't earn a lot then when you retire


whatever you take out from your RA is it's it's will be quite little ah, so and I don't think it's sufficient in a way for the CPF even though the, the interest rate is higher than the of course it's higher than the usual bank lor bank interest rates lor so it's probably like two point two point five percent for the OA and all


so , I think it's uh I mean there's good and bad, maybe I'm not at the age to realise , the, disadvantages of having the CPF yet


there's a there's a there's a, this that, this this debt restructuring, thingy that you can approach agency or something that you can approach than it help you they helped you to restructure your debts, so that and then talk to the


whatever creditors of the banks ah you to to to have an installment plan lah to pay off your debts lah, so I think I think that should be your first, , outlook that you that you look for


I would say go to the IRAS website, go and look for the different different tax relief schemes, uh for example you have uh, uh for NS man there's a, there's a parent


there there's a there's a parent relief , uh scheme and then also for for mothers for women for mothers uh they also have another tax relief scheme, so go and , you know apply for all this first and then of course like what you said charity donations those that have tax reliefs and then also another method is also your


your SRS, where you put a sum of money and then after that you can actually have a you'll gain interest but minimal interest and then also you have uh


firstly you need to hedge against inflation so your investments or whatever you need to , you know ya sorry okay okay yes certainly ya , so you don't find inflation what eat up your money lah


then try to, , it's either there are two ways it's either you save more or you earn more, but if you can do both ah that'll be awesome , uh no just one but you also doing one right


yup yup that's ya that's ya lah win financial freedom lah


financial independence retire early, ya financial freedom lah basically


yup depreciation (uh) ya (ppb) (uh) it it it's (ppl) a kid is a depreciation asset (ppl), ya, okay I think we are going to be


slow slow things lah slow, apps and all okay but I mean I mean anyway to be honest what frustrates me I mean I I cannot really blame, you know I mean it's like my my dad to ask me some questions like about his phone can do this can do that or not help me do this help me do that and then when I say cannot right or maybe the because the software doesn't allow or the OS doesn't allow or the app doesn't allow


then I mean he thinks that I'm like some, magician like that you know that I can do something to the phone or the app or what then I said I cannot already then he'll be like why cannot like that then !hey! I'm trying to explain to you this is why cannot then


uh maybe maybe ya think that's a good idea lah you what frustrates you, blue balls I mean uh


oh right right night blindness but you still can you still drive pretty well what at night, ah thought you will like some other headlights but anyway , so what's the worst thing you have witnessed and kept quiet about


eh enough lah what what second wife all this ah you nonsense lah you


nothing nothing not nothing off the top of my head ya


nope nope I don't I I I'm a not so not emotional kind


!wah! you still watch channel eight ah okay, but you can chill I mean uh describe, describe that time when you were unable to help someone in need


immediately ah blue tent lah immediately blue tent right


my greatest greatest oh greatest fear is uh losing, someone I love right right for example , when my grandma passed away, kind of, someone a close one who passed away I mean


I mean in future you know my parents and all also we have to face lah this of our fears


it drives you lah it drives you


no no no no no phobias no phobias, maybe I don't know maybe a little bit


that was where australia ah


nope can't recall you, what the hell , when you're a kid lah


ghost movies, that I watched then after that , last time no last time in my old house then after that I don't know is it a a imagination or what, I actually , because my my bed was facing the window, so and it was near a tree


so I somehow I don't know if it was a dream was a dream or what I saw a a lady figure in red very scary uh Macam a Pontianak lah but it's not she she's she's not in white she's she's in red, and she has bloodshot eyes


squatting at the tree branch there, like a like a, like a uh what did you call that, some bird or whatever lah, !aiya! so, and then staring straight at me


nonsense lah you greatest fear ah, what causes the thing right


I thought I told you already what the the, losing losing losing your close ones lah


no no no no no that was only uh frustrated, uh


when I was uh ya, when I was painstakingly saving money you know for our wedding and then for our future and then my then girlfriend who is now my wife get to spending you know unnecessary money so I was really


you know you very, piss the hell out of me because I mean this has been going on for years I mean I'm like , I mean, keep on you know planning for our future but then you're like don't really care, so it's like even if your fiscal values do not align with me right I mean


you could at least understand me and then it's like I'm saving for our future lah so so that we won't be in debt, and then we, ya ya ya I mean have to have to you know I mean it's it's instilled in me already, this this frugality from my parents you know


then after that we we quarrelled and then we broke off lah because of this and then , but now she knows that I'm I'm I'm correct because, the only thing that we are in debt is our HDB flat, , every ya lah correct I mean every single thing in this every single thing everything else was fully paid


and we're now living quite comfortably based on our on our lifestyle so , I'm correct, and but during that time at that point in time during that time she made me


what's it what's it what's it your parents make you angry ah


uh is it your your NS the civil defence that one lah


okay when when you when you're driving you become a totally different person this one I understand , okay you are generally an angry person lah, okay, ah I mean ya, ah okay so what disgusts you


what disgusts you


sometimes you disgust me right, uh, I mean it's what lah what what what disgusts you


uh elitist attitudes, elitist attitudes ya so just like , people who talk in a very condescending way, uh who lord over you thinking that they are so


you know they got they got the money they can do anything they want and then and also double standards, nonsense lah, ya so ya this kind of attitudes lah, ya in fact we should be helping others


you know ya, so what is an issue that you felt upset over because you feel the world needs to do more about it


for me maybe you can reduce, the likelihood of being unhealthy maybe through exercises


okay describe the time when you hurt someone's feelings, I don't know I I'm from monogamy okay not polygamy


it's monogamy all right


so need to be more tactful [lah] okay done


prompt two out of four


, smart intelligent people uh people who are able to debate, I like you know, uh, people who are very knowledgeable


ya so I mean I I mean something which I, oh please something which I can you know learn I can learn from someone there are things that I can learn ya so these are I mean


people intelligence amazes me


I don't know maybe, nonsense lah you proudest moment maybe , I don't know maybe when I when I graduated and then my, ya ya like when I ya I don't know how about you ya when


to be able you are Tauke you should be proud, no no no no no no I mean you you all doing well your business is okay right I mean you're working with so many uh uh companies or or or government agencies


ya you are brave lah to be to be an entrepreneur you need to be, you know you need to take a risk lah you need to be brave lah, but you are !huh!, even my aunty also admire you, ya lah the one whom you whom you you spoke to the other time


at at uh at my wedding, you nonsense lah only one lah, oh ya so , so what leads you to experience an adrenaline rush


chasing what chasing skirts lah that's what you're good at what, you Baba always chase them


despite the ongoing global uncertainty ya you're talking about COVID right so what makes you optimistic about the future


okay so we're so we're picking up, so what about him I mean he's a he's an economist he has three masters and one PHD he speaks very well


ah right right okay ya so uh okay what it, what is the best surprise for me


no ah can't I can't I can't think of one yet, what but I'll , think about what but what is your best surprise


okay okay alright so okay describe a time when you made a comeback that shut everyone up, sarah cannot perfect she's she's uh she's muted there


!hey! wait wait wait wait I I got to I got to pause you there man they say no racial things one ah


I think must be something which I said but uh, ya don't have don't scold her okay,


you nonsense lah you uh, okay describe your favorite activity to unwind and relax okay we all know, I can't no I mean can't I can't I can't think of any at the moment anyway describe your favorite activity to unwind and relax okay this one we all know okay but ya give me give me give me some give us something more


so when do you blush the most, okay I would say


I don't know err I I would say I would likely playing soccer I think it helps me to relax and so that I can express myself , ya ya ya, no I mean it's it's there's there's an there's adrenaline rush when you score when you run and all this but it also it also helps you to to relax your


you know all your stress and you won't be so stressful, you you you get what I mean, otherwise they


I don't know maybe in terms of uh soccer maybe I'm both footed I can, shoot triple pass with both foot, I'm a what you call it ambidextrous or something, you know hands right your hands are ambidextrous and your legs are


had ya uh no ya you, I mean hands I think for you probably hands ambidextrous lah !huh!


I mean we're all alive aren't we, to experience what life has to offer basically , I mean


thirty over years ups and downs in live your relationship with others the love and care you have for everyone , the dislikes and the the hates you have for someone or something


you will lah you'll one day lah you're a filial son, nonsense lah you uh, let me see


okay !walao! you see ah, okay , what was the biggest reward you had ever received after doing an awesome good deed


ah okay okay, good good you have to stand up against this


ya , okay for me there was uh when when when my dad was in uh the community hospital recuperating from his operation so there's this uh, there's this there's this uncle this old man on a wheelchair with nobody around him nobody helped him


so when he alighted from the the bus, same stop at me at the as me as the at the hospital so I push him all the way to the, to the hospital I I I pushed him to the canteen because I I I had a chat with him while pushing him so I asked him whether had he has breakfast he said no I went to the canteen and I brought food brought for him uh something to eat


then after that I pushed him because there's a there's a NKF kidney dialysis centre over there so , he told me saying he's going there so I pushed him there , then after that , the the the the patients I think the or maybe the family members or what like the aunties all the uncle aunties lah over there then they say I'm a I'm kind kind person


god bless me, so I mean this feeling, okay it's actually you you know when you did something good this is actually the biggest ya this this this intangible this is an intangible reward, for me ya and and and


ya I I mean I felt really good, (uh huh) two two H two O, (uh huh) oh okay


okay ya, ya I did a did a good deed lah


okay !wah! so Zhun ah really hor, so he must be #cai shen ye# is it


so ya I mean I think I think I think that's also the the moment when you felt the luckiest right, is it no ah not this ah , the hell


eh hello this one is positive experience you know never buy never never buy never tilt is negative okay that one leave it for later lah


I would say I would say when you were in japan, ya , I think it was a very very, nice relaxing


don't have don't have maybe ask you and see


!huh! I mean any any case, ya I mean the the culture there is also


oh you said you were driving right okay okay , uh ya lah I mean play football also lah uh scoring goals playing well, uh and then also uh, (hmm), uh ya and then uh


you know not sure if uh, shows on Netflix will count I don't know, some thrillers , no lah no lah I mean


optimistic , I I would always I mean like what you said, and what I also agree one where whatever goes down must come up, so totally I believe that our economy will recover


and then and everything will be back to normal so to speak but not not the pre-COVID normal probably more of a, digitalisation definitely ya


so I mean , I think we need to also move into that, we are in we are going to , uh, AI and five G and all this so I think it's uh, this uh this sector could improve our lives also


ya will make it will make it make our life easier to improve our lives lah basically


(uh) I can't remember already just your TOTO [lah], another ten more seconds already


financial related topic


okay ah give personal insurance okay for me I have uh, this AIA health shield uh policy which covers my hospitalisation, and I enhanced it with the rider policy which is uh something


that I decided to add on to provide a better coverage ah, uh I've held it for the last about twelve thirteen years uh it's been with the same insurers, and unfortunately I had the the


err I've made a claim from it ah which is not really good ah because for these insurance if we don't claim it's much better I claimed it back uh in twenty eleven when I was hospitalised, for gastric thing so usually insurance nobody will really


care about insurance they will always think it's like a waste of money but uh and also for this rider policies so I had a big surprise when when I was hospitalised at the A&E there uh the nurse came up to me and said uh and offered me the A class ward


I say err then she said err everything is covered by the insurance ah, then I say ya why not lah so uh I claimed I managed to stay in a A class ward at changi hospital and was a really pleasant experience ah and the best part of these policy is that I did not need need not fork out any money during


uh during my course of those uh hospitalisation and also after that because everything is covered by including the deductible and also the co- insurance uh and this is also something which uh I really pass applied for my two children also


this operation plan uh what why I liked about this AIA insurance is that is the only hospitalisation plan which allows you to pay monthly and also among the most , among the cheapest ah unlike some insurers they


they ask you where the mode of payment is only annually which is uh , a bit a bit hard for me to manage ah, and other than that uh, well for the last ten years I realised that the cost of premium has been increasing ah like uh


maybe last time every month I used to pay about twenty plus now I've to pay about almost forty plus and err recently, I I think two years ago they already have this option where you can downgrade your rider to a


to a like more economical uh plan uh which like the max essential saver, which you pay a bit ya graduate you pay a bit lesser then but then you have to uh sacrifice a bit of your coverage err and


err now I realized that even though you buy the, the highest policy the for the rider right you still need to pay for the deductibles and also the co-insurance ah which is ya and and not surprisingly is that


my kids insured premiums are much more expensive than mine ah, so ya but but I mean this is have to , they have they've no choice but to do this uh just too so that no people don't take advantage of this and start over claiming for


for it yeah I I mean a lot of people like like for me if I got the the rider I will just go for the A class ah but they just but this insurance they want people to be more prudent ah yup


ya yeah, (mmhmm)


ya ya ya correct correct correct, ya


, (ppc)


ya , yeah I I mean hospitalisation is important you how how about your accident plan the when your when you had the injury does your accident plans do you make a claim under your personal accident plan


that was through your accident plan or hospitalisation plan, oh accident plan but during your, but during your hospitalisation do you also receive uh daily income also to the hospitalisation plan also


oh okay okay but but there are you are able to claim both at the same time right for the


oh okay then how about like, any err other than that do you have like any endowment plan or anything,


ah oh okay, any reason for dumping or discontinue with that plan ah


ah ya ya ya, ya


but your endowment plan is it with that like is it something like that ILP or something, oh K K K I see I see I see but it does it does it provide any protection or like uh like for death or for


!whoa!, oh okay okay so currently you just have one like endowment plan uh


okay, okay, ya oh okay okay


(hmm),


yeah


for me I don't have a endownment plan but ah I have something like ah ILP which is I sign up like more than ten years ago uh I I mean being like like like you also when we just entered the workforce after NS we


when you're walking around the insurance agent will just randomly approach us and talk about this then, uh they will they will keep on saying that I don't have this I don't have that so I sign up for it but the thing about uh ILP is that it's it's personal


personally I feel that I've, I already dished that ILP already like long time ago and I opted for like term, term plan ah, err which is is like something like a protection uh policy which covers your death ah critical illness and also uh total permanent disability


but but then the downside is that it it doesn't have like a maturity or cash payout after a certain point of time once your policy mature like ten fifteen years down the road so for me term plan I I just go for term plan which which is a lot cheaper


and also provides me a, a higher higher coverage ah, and, ya for the last five years I think I I just switched over to another, term term plan ah because I realize that you know this kind of term plan like


every every few years insurers uh will just come out with much better policy with providing you more coverage and also uh for for much more cheaper price ah like my current (hmm)


ya so so what I did was my my old my old policy with AVIVA my term plan just cover me critical illness and uh eh death critical illness and uh total permanent disability but then I sign up recently two months ago with china taiping


it covers the it provides me the same uh coverage with for death uh critical illness and total permanent disability and also it covers early critical illness also ah at uh at the same price as my at the same coverage and also at cheaper price


so to me it's a no brainer so I decided to cancel off uh my previous term plan ah insurance, #hwan peng# (ppc) previously I was paying for my AVIVA at about two hundred and thirty two, and now I'm paying about hundred and eighty two dollars, so ya make it's a no brainer decision ah yeah I I do and one thing about this term plan is that you don't lose out cash value you know because it has no cash value itself


so you you can just cancel off your your term plan and just sign up with a new one without any financial penalty or loss ah as compared if you cancel ILP uh, yeah, yeah and and china Taiping also is like


err what my agent told me was like new it's like a new player inside these uh personal insurance market so that's why they are able they want to offer all these uh perks to to get more people to sign up ah


ya ya, so other than that !wah! how about your, like what other insurance do you have for yourself, for your age now uh , for our age ah for our age ah


(mmhmm)


the and and and for insurance premium do prefer annual or, or monthly payment ah, ya it's much more manageable, and, then the yearly premium uh which is why I sign up for this AIA ah which is uh


which is they they are the only uh insurers that err that showed that can allow me to pay by monthly payments ah instead of uh, uh yearly payments ah which is really quite bad


ya ya I I mean monthly monthly you I, it's easier for you to manage ah like for me I I pay for my kids all that right I I think it's it's easier to manage ah, , ya I ya rather than you will save up money is at your bank account then suddenly you like if you forget that it's your


and no premium then you just wiped out, your whole your whole uh like a large chunk of your savings all that that's even worse then somehow you, the this increasing, increasing uh (oo) insurance premiums (oo) for for the price right then ya it's really quite bad ah


then for you do you have err, an asian ah that is working solely for one insurance company or do you have multiple agents from these ah different companies, okay


to to me the agents ah, oh ya ya,


and the agent is working for one uh for representing one company only ah, which is, which is what ah


oh NTUC okay okay okay okay local company, I see I see ya I I used to have an agent who worked solely for AIA ah she was my she was my first insurance agent and she also just started out in the industry I got to know from her through a roadshow but then these insurance they ah she she's brand new so


ya I signed up from her but then I realised that other companies they're all, when I look around for other companies that I realized that that there's this uh there's better policies out there lah better in terms of price wise and also coverage so I decided to jump ship and look for like this independent financial adviser who represents multiple company like AIA


AVIVA china taiping sompo who are able to know when I say I need a hospitalisation plan then he's able to furnish me with a, a wide variety of plans for different from different companies and their coverage at the price lah which is good lah for me which other than just being tied down by one insurance company and like I agree with you if you have


different companies err different companies with a , different agent ya you need to meet them like you know they keep on calling you they have different point of context all that so so it's it's quite troublesome ah !aiya!


, ya ya ya,


ya ya I I mean if it because if you terminate like all these like endowment plans all that if it's closed ya ya it's a waste lah especially if you're like, pass more than five to ten years where the when the policy starts to make money for you then then if you cancel it then you'll be like quite quite a waste ah


yeah, quite that ah ya oh timer going to run down ah , how about your parents do you have any policies for your parents did you buy yourself or you or do you, do you !huh!


okay,


ya because because like like for me other than hospitalisation I I do have some, eldershield (uh) en~enhanced like enhanced eldershield for (ppo) my parents [ah] which is ya which every year is getting more and more costlier


negative experiences


have you gone through any loss, in your life, , yeah yeah,


yeah ya, when when I read ah when I read this question ah that's that's the first thing, that came, to our to my mind also lah ya


how how how how how did you get the news ah, (mmhmm)


yeah like like for me I received, uh I was in malaysia for, for work err I was somewhere in #gelang patah# ah in a workshop then uh I was repairing a


I was doing some maintenance of a, on a, the marine engine when I received a call from, one of our friend musa who called me ya back then I I was reluctant to answer the phone because it was, uh yup, was no you I would have to incur roaming charges so he called me a few times then when I answered the phone he asked me


eh does ah does Faisal have a brother then I said yeah he he does then then uh he said that his brother, contacted on, him through MSN and said that uh, err Faisal has passed away already Faisal is no more then I told him


no cannot be because I just met Faisal the night before I I was with him, ah we went to Mustafa centre I was with him up to seven then he have to leave for his work at about eight o'clock I was with him all the way then I said no lah he was with me lah


then after that , I tried to then after that once I ended the call with musa I, called , #faisal#'s handphone ah I which was ringing when when the when the phone rang I was like when I heard the dial tone I was quite happy, then then uh he didn't answer then I called


again and his brother answered and his brother's uh said that Faisal is no more and that's when I I really cried over (ppc), I really cried over there lah I I told my client that I have to leave because I've uh, I've to


I've to go back to singapore to, to because of a loss of a friend then ya then that's when I think for if I hear also uh, broke the news to to you all lah then ya that was to me that was


the saddest among the saddest part of my life lah which is to lose uh to lose a good friend lah ya but, this is which is really really, ya sad ah


yeah yeah, yeah yeah just, just like what you said uh, when I was saying that you know with our group of friends we we when I'm I'm not around you said you feel that there's something missing just like


just like, us now when we are hanging out we like the four of us we just don't have that don't have that one person to like you know gel things together and keep us together and ya


it is it's really really, sad lah, ya it it is like really something missing which is irreplaceable until now lah, ya


yeah it's it's about ten, it's ah it's about ten years already lah, it's like ten years since he's gone yup, then how about how about the time when you, you torn your torn your achilles what was what's your, what do you feel back then


(hmm) (hmm) (hmm) (hmm) (mmhmm)


oh okay


but, (mmhmm)


oh okay okay


, (mmhmm),


ya interesting that you said that you want to play soccer game but when you during that road to recovery or during that treatment do you ever feel that, you want to, again soccer is something or football is something that you want to avoid, to prevent eh a serious serious injury again or what


no,


(hmm) ya ya correct uh like like


you were out you're, out for like, three months plus ah I still remember that you were saying that when you saw your ankle is just like dangling, like, like livelessly or something and you ya ya you was, ya it was really ya you're right


like for me my worst, the , another low point of my life was, was even , when when I was sailing uh which I was, ah, ah suffered that slipped disc on, my back or, ya just like one or two weeks before coming back to singapore I


I decided to you know you're doing some maintenance on the machinery then I decided to, you know instead of waiting for the, err, like some lifting equipment to help to give the equipment I decided to try to move it myself and ya from from then on


uh I, during that point of time I don't feel anything but slowly as the, the hours passed by I slowly start to feel, pain at the back at at my lower back then I thought it just like a muscle pain or something so I go back to my cabin and just


ah, shower with hot water, with hopes to like ease it around but, its, it gets even worse to the point that, opening your eyes is just, !ow! it's just painful lah like you can't, ya you can't sit


you can't stand, you can't lie down you can't do anything I mean just being awake is, just a painful experience ah , yeah yeah it was really bad ah, and , uh it was err I just keep on popping panadols panadol just to alleviate ah


painkillers just to get rid of the pain until I sign out, from the ship I go to hospital they just, ah, they did an X ray and MRI on my back and just say that uh yeah I just slipped a disc ah but back then uh since I was just about nineteen years old they say


!aiya!, it will just recover by itself ah, uh I don't need any surgery so, yeah that was the lowest point of my life, like quite quite negative ah it was it was really bad uh it's like I can't, you you you know you just opening your eyes


is just, pain you just you just experience pain and I I can only alleviate it by just popping painkillers which, at the at the eh ah to the point of time where , err it affects my liver also, so I have to stop taking painkillers then I can't go to massage because there's no way for you to


like , massage your disc, back into your spine so the only thing you can do it just, therapy therapy and just, looking after your back all that ah so so it took me about, a few years