oh okay ya for myself I actually I actually use the the special account uh in in CPF to actually get the investment because I think for the moment I'm not very keen on using cash for investment so my cash is actually solely for uh insurance yeah


ya correct life insurance critical illness plan and you know uh yeah and endowment plan yeah so that's what I'm I'm looking at ya so what do you do you usually buy that kind of plan where you mixed the uh insurance coverage with investment together as one plan or you actually


buy separately as in


oh I see I see I see, it because I think I I've once bought uh an investment plan with uh some insurance coverage but then I find that


the coverage is also very low and uh like what you say if let's say you know if let's say the investment is not that market is not very okay at that moment then you know, it may affect lah your your plan and I I also want to separate out into two two separate plans so that it's easier to manage


uh no I have one mixed together but I don't I'm not very comfortable with it so I may want to stop that , ya correct so do you what about when you travel do you buy insurance


ah ya so so usually which agent usually which agent do you actually buy from


(oo)


I see I see I see ya, so ya for me also the same lah I will I usually normally I I like to buy my travelling insurance during a travel fair because firstly you will get uh a better rate then a higher coverage and


no I because normally they travel fair they will have a stand alone uh providers, ya so I will just but then they always sell at the cheaper at a lower rate with the same coverage


than normal time so I will normally prefer to buy that and sometimes I'll buy in advance as in even though I don't I don't have a a a destination to travel yet but I may you know I may buy in advanced as in I estimate like you know I may I may spend


a certain number of days in this category of countries, ya so I'll just buy in advance ya because you you can buy in advance and then you can uh before you before the travel date you can actually change the date


ya correct so that which is which is why which is why you have to decide for example if I know that you know uh I I mean I have not planned the actual destination but I say that okay I maybe I may be going to europe, so you know europe will be this category like maybe cat one or cat four that kind of thing then I will know like uh how many days I'm going to spend maybe like estimate uh fifteen or twenty days the I'll I put one or two more days


you know extra lah just in case because I I don't know what where I'm going to travel later on but then ya so so I will buy first you know then later I will change the date accordingly when after I confirm with my uh flight details and all that then I will I will tell the insurance company to actually change the date for me to the exact travel date


ya so I want to capture the the lowest the cheapest cost, ya correct then besides that I also get I mean beside travel I also get insurance for uh for my domestic helper because I've a domestic helper at home ya correct then I also buy fire insurance because that you know I have the uh ya I have I have the the house


ya correct correct so but this is normally I buy from the recommendation from government lah so I didn't buy like you know external uh eh providers ya so I just buy what the government asked me to get from


ya correct ya so do what about yourself do you do you get do you get other insurance policy beside your personal uh you know insurance


it no you are talking about life is talking about life insurance or you're talking about endowment, oh I don't I don't buy I I ya I don't buy term I buy the whole life because I think it's more worth it


correct ya I realise that last time actually no lah I think uh last time people I mean like most of us like we we used to buy term insurance


instead of uh whole life but I think now uh recent years uh you know uh the the the everybody is trying to buy the whole life instead of term, yeah they'd they be rather pay more than you know uh ya so than a bit


ya correct correct so uh like looking forward to the future any other plans that you are planning to buy any insurance others insurance plans that you are getting the or you will be getting


oh okay yeah because I think for me it's like I I may want to uh top up with uh my, the life insurance coverage because I think it's not enough uh ya correct because you know currently I only have like I think my coverage is less than hundred thousand which I think is not enough ya we ya I think we have to more even though we have many saving


ya correct even alright even though I I already upgrade my uh MediShield life you know with great eastern ya but then I'm I think uh is still not enough ah the coverage because you know we live


I realise, that now they talk about women live longer, we live till the age of almost yeah you know so the so I think we need to we need to top up with that yeah so I'm I actually moving forward I'm looking at that and also I'm looking at also like more endowment plan


because I I think putting in the bank sometimes I find that uh I tend to uh withdraw easily and spend more , so I rather lock it in the you know in endowment so as if as if I don't have a choice because I I just have to you know set aside a sum every month if not if I stop it I think I will


I will lose out you know yeah so if it's not matured yet so so this is the thing that I'm looking at lah looking forward to ya so I think, I think health is very important so I think and also uh personal accident insurance


I want to get a more higher coverage as well uh and yeah and also like hospitalisation insurance, yeah I think that one yes uh I was also thinking of that so but then for the moment because I think I will plan lah for next year ah maybe not this year yeah


yeah I think so correct correct so if like you know if coming to future will you buy from the same agent again or would you be considering other uh providers


(oo)


I see I see for me I will because I think I feel that like you know uh few years ago when you co~I like to compare different providers plan and actually get the the better ones, I mean the the the best ones ah so call you know and I buy from but then few years later this provider previously was the best but now it may not be the best


so ya so then you know I may move to another provider you know and at that point of time when I buy lah you know so I but then I think uh I'm getting a bit later you know comparing ask you to buy it earlier so , but I think anyway it's never too late so I'll I'll quickly ya so maybe you should also plan plan out for


ya correct so I think will I've to really sit down and plan , I think my yeah my my insurance agents are asking me already because we are coming to end of the year so you know they will come to you and ask you okay we have new plans come out we have uh do you want to upgrade you know uh we can re-look at your financial planning again and all that ya so but ya correct


so anyway I don't buy from the banks ah for me I buy straight direct from the insurance


uh no I think I'm more comfortable with the actual insurance person from the insurance company representative than the bank ya okay I think that's all the share thank you


part three negative experiences


something ah !wah! I think that was uh uh that was, ya that was uh some years ago when I I don't watch horror movies now some years ago when I actually watch, a japanese movie that uh


I watch a japanese movie and !wow! , is is something the ya it is the is something like the I don't I don't remember exactly the title already because you know that's why I I I mean this kind of horror movie I don't remember it but I think something like that


and !wow! I after that I dare not I dare not actually go to the toilet , I just imagine the the something coming out from the toilet bowl , !wow! so was it was a scary thing so I I !wow! I I I think !wah! so at for that moment that period ah I find that if I ever go to toilet ah I'll just have this hair standing you know lah but I'm just correct I'm just imagine I know that I'm imagining things lah but I


think , I I I think that yeah I'm not going to watch, ya correct what about you what about yourself do you have do you have uh such uh do you have something like this experience like this


I see I see I see yeah so ah so we are almost there , ya


ya correct correct correct yeah so you know do you have a event that actually makes you very angry, you know yeah


correct, so like for me it, ya actually for me I will say that in my so call my I would say this is this only happens during uh my working uh my working time you know uh ya so


I would, how should I put would I use a boss ah I will say the boss okay because ah because that was I think this is one this is uh, one event that this is one time when I'm ready, you know quite angry with was actually when I was it happens when I was


I was on holiday in in you know in in another country and then I and I do not have my I mean uh something I mean uh uh uh contract was uh not being, raised you know properly and then uh I thought it was handled by my colleague but then you know I'm not sure what happened and and she was told not to raise it


and in the middle of my trip you know where I don't have a laptop with me and where I travel and uh you know my boss called me and asked me, and then I was like !huh! I thought someone supposed to do it so that person didn't do it and then I was in the middle of my travel and I don't have a laptop that's the worst thing so that makes me angry I have to I was staying at the you know at the


the hostel so I have to ask the owner do you have a laptop I can borrow you know that I need to you know uh log in and get this done you know, and and and furthermore the best thing is that uh in korea I mean the the laptop is not english you know so call ya so so it was all in the korean words and then the the owner has to help me uh


you know uh don't know what he do you have to change you know to change to english you know translation and and get it out !wow! that was uh that really that really makes me, very angry correct and then and also, I have to beg my the owner you know to lend me a laptop and to do it and and he has to wait for me because apparently


it takes me almost two hours to finish it, ya so I also get I I get angry also because it it is you know I feel bad for the owner to wait for me but of course he he knows what happened and you know that, help me ya so so ah that this thing really makes me angry ya correct


ya correct correct so


uh I think uh I think the the closest ones are actually during this COVID nineteen this period you know which I think


some of the the countries you know uh or even even our own country here I feel that you know sometimes like the people are, after the you know lock down is over the CB is over people just feel that oh it's like safe you know they are not you know they are not adhering


to the uh to the uh safety, correct no ya they they don't see the importance of the safety measures that we should have now you know ya correct, correct and then they are so inconsiderate correct and they're just


so inconsiderate you know and and they don't care you know that kind of thing and I also and I and I also quite upset as in like you when you when you look at the you know other countries like you know the people think only okay, yes of course you you know you you do not have a job or you loose a job or whatever but I think (ugh) to me


losing a job is small matter comparing to losing your life, ya because if you lose your job you can still find other jobs but what kind of jobs is correct what kind of jobs is depend lah you know on the country that you're in you know that there's sure to be one but depend on whether you want to take up the job you know is also personal then but the thing is that life


is something like for example if you if you are actually having this positive you know uh on on on the COVID-nineteen virus with you then you have to even fork out money to actually cure yourself, then you then here you are you say you doesn't have a job you need to fork out money to cure yourself that's even worse right so to me is that should we look at you know safety first your health come first rather than you know so everyday see all the riots going around


you know saying that uh yeah why the government I mean why government open up so fast you know uh, ya you know that kind of thing so I ya this is something that I'm very upset about yeah that yeah so I get very angry over this thing


correct ya so I think some uh sometimes sometimes I think uh


ya that's why so anyway yeah so this is something I've never be very upset before but this is really something that upsets me a lot yeah correct to then uh actually your greatest fear


I see I see I see ya correct


correct, so I think that's that goes with I mean uh, where my company actually doesn't we still work from home because they don't believe in uh they think that uh you know


uh not easily to get people to listen to actually ya correct to actually uh you know uh get on with the safety measures that you should be you know in touch with yeah so they rather close the office so they do not need to


yeah have some problem with this type of problem but actually my greatest fear is actually I will say with this current situation it makes me look carefully at health, ya previously I always think that you know I do not think I do not put health as probably the most important one but now my greatest fear is health like you know like uh looking at so many uh quite a number so many people die just


because of some this virus which looks which to me seems initially was actually is like it's just a normal virus where you know not actually you can cure with medication but but surprise but but uh I mean it was


ya correct correct so so I I I I did not think about health that you know, strongly you know uh ya you know the the fear that you know you have that now I actually had it I feel it you know that !wow!


this is uh you know this is terrible ya so, correct so this is a fear that I fear that you know I'll fall sick I fear that you know I can uh fall sick I cannot take care of family I fear that because I fall sick I can't work you know so so health is ya health is actually


this this thing is actually circling in my mind now which is you know important yeah do you have actually phobias on anything and you know how do you overcome them, oh so have you overcome them


oh okay


(oo)


oh ya cause actually, have, actually I I thought I do not have height, phobia actually you know but then oh there's only one occasion where I suddenly find that eh how come, I got, the height phobia only for that occasion where I climb the uh you know the great wall of china


oh ya so for for me is that you know the the


that time when I was thinking oh for that moment while I have a phobia of height just for that moment but I think after that is, fine ya then the other thing is like from young I mean till now ah I only have this phobia which I haven't overcome that is needles, whenever I hear about injection, oh my god I will or on blood test oh I will have


I will shiver my body automatically shiver so I don't know why till today I still have not overcome that fear, that that kind of


ya correct so so far what do you often worry about


take it easy


oh I see yeah so have you gone through any loss in life (ugh) you know so far and uh you know


I see I see ya for I think for me I also have the same through like I have uh, I have a friend who actually had cancer and you know when I visit her, I thought that would not be the last you know and I thought I can visit her was thinking of visiting her again you know two days two three days later but suddenly just the next day I hear that she has passed on


ya so I was shocked you know I've I have not had time to react because I thought I just saw her I just met her last night which she looks okay you know yeah the next I hear is that so yeah I that was


that was something that


oh ya lah so well there's there's somehows we have , this is what we have to go through in life too bad, , ya sad to say


part two positive experiences


best meal ah I would I would think is the is is the one that I had it in uh finland, you know the, it's a salmon soup which a !wow! that was I


it's the way that it was cooked and also the freshness of the fish ya so I think uh I have not had that before in other countries and uh in singapore so I think that that was the best meal that I ever had you know yeah what about you


I do agree but I think especially like I uh for korean food I will prefer to actually have korean food in korea rather than in singapore because I find that the, ya correct the the


I mean the singapore one I mean they do have authentic restaurants but then they sort I mean most of them will tend to blend into the local taste okay rather than yeah so I ya so I would rather have korean food in korea


yeah , yeah


oh okay talking about, I see I see so looking at that uh I mean uh uh I mean uh what are the things that you look forward to when uh the COVID-nineteen


ends the pandemic ends you know that kind of thing will it be food since you seems like uh enjoying food very much to me


oh I see I see so besides travel is more like overseas what about in singapore


oh I see, I see I see I see ya for me too I also share the same view as you like you know I I'm looking forward to travel yeah because apparently I think uh now when we are I mean I'm working from home since uh you know uh march and and I realise that


the work becomes or the working hours becomes not eight hours it becomes twenty four seven , I ya correct so I I mean even though uh we have uh we can take leave and all that we have leave to clear but then apparently I mean there's nothing much you are still sitting in singapore


and you know and the bosses ya but it's very hard for me is because my boss still disturb me he is still text me he might not call me but he still text me or send me emails you know that kind of thing ya to to attend it so so I think uh travel is definitely


that's what I think he's thinking ya correct, so what about you know what is the uh so far what is the best surprise or gift you give a


sorry what is the best surprise or gift that you've ever given to someone


I think okay because frankly speaking like uh I was think that the best surprise or gift that I have given to, someone was actually during this this, pandemic this COVID-nineteen when uh my friend's I have a friend's birthday who is in april and because we can't we are been in we are in the CB right uh so we cannot you cannot meet


so I actually send her uh I send her I send her few pieces ya of cakes uh small not big cake yeah you know small one, and and she was surprised when it comes to her she said how come she receive it she has a cake


because I think ya correct so you know that that's yeah so I think that's something, then she was because we we never because because two of us we never buy cakes ya so that means


you know uh in other times we do not buy cake for each other we only go out for a meal, ya so this is the first time that's why she's a bit surprised that you know uh that she receive a cake I mean uh a cake from me ya correct ya so but then


for me I also she did she also do that to me also she has also send me a cake during my birthday, and and oh the cake that she sent to were sent to me was something that uh I never, I mean I I'm actually very happy I don't expect because is is is a is a cake it's not the normal kind of cake is a different kind of uh ingredient that they used yeah


correct so so it was it was that, that kind of uh they call it #agar agar# #agar agar# jelly, cake that you know so which is not a cause when you buy a cake you just buy a normal cake a chocolate cake or you know that kind of normal cake ya so but you don't so I think is something is very special and then it's in the it's in the uh it's a cartoon character !wow! that's


great , ya correct ya so what about so uh describe a time I mean when you can't wait to , can you describe time when you can't wait to attend a special event or concert


ya so I also I'm actually looking forward to actually attending a concert overseas which I have yeah which I have I mean the last one that I had was in was a very good one in in in hong kong


yeah so uh uh a hong kong singer and and that was the first time, uh me attending a concert that it was very special because because , uh how should I put it is like when we I mean it was


so near we seat so near to where the singer uh that we can touch the singer comparing in singapore that to me that I feel that is a very special because in singapore you have no chance to really get too close to the singer


ya so for there and then you know the ya their concert hall was great you know, ya that is one and the other one that I had was was uh another was a korean concert which is in one which in a very big big concert hall that's near the airport and near the airport it was near the airport ya correct so and


and it was uh how should I put it and it was really close that was really close that we are on the first ah we are on the actually first row, ya correct


ya because I always feel that watching a concert overseas it's very special to me because you know yeah the I mean different different countries has different type of concert halls and you know the the arrangement is different you know and I feel more uh closer


to the singer yeah compare to singapore like we are sitting in singapore I feel that we are more like cinema watching like a, watching like interrupt us, in a cinema way than you watch a concert so ya


yes of course that would be that would be too that would be too that would be too yeah, , I think korea because I have not really watched uh a real uh actual concert in korea so I think korea be one of it and the other one will be taiwan


ya correct so these are the two countries I'm actually looking forward I've never watch a real concert in these two countries so I'm actually looking looking forward to it yeah so hopefully I can do it but I think it won't be that soon but it won't be that soon probably will be like maybe next second half of the year next year


ya correct so well in in this uh in this post uh COVID world who and what are you newly thankful of or appreciative towards


ya so I I I also think so like you know I mean in current situation you realise that someone those those friends who


whom you have not met or hear uh heard from, long ago suddenly uh you know uh send you uh you know uh a text and saying asking you how you are you know yes and also including friends staying overseas you know


ya correct so I think, uh I really quite thankful that you know uh these are friends whom I thought I've lost them you know because it's so long that we have, not been in touch you know but uh eh but eh I was think oh this time of the year !wow! okay I still hear from them ya so


correct ya so especially especially when you know you know that some of them are in the countries where, they have probably uh high risk you know, ya so so at the same time ya I'm also worried about like colleagues you know who are there but then colleagues also do text us you know


colleagues whom I mean surprisingly colleagues who are actually, I'm not familiar with at all suddenly send you an email and saying how you're how you are you doing here you know is everything okay !wow! yeah so that was great you know you never know know that that that ya correct correct correct


, correct correct correct yeah so you know do you have a fond memory that you share with your loved ones


, ya so for me I think I think


you know the memorial one would I will feel that you know is when uh we are younger you know when you know when when parents brought us uh that time you know, we I mean we are probably not so I mean we are not rich enough to have like to fly on the plane thats many years ago when I was younger at that time so the the the the best option they had was a cheaper version will be long journey busses


so it's like we travel from from from singapore all the way to you know #hap chai# thailand which is !wow! it was like at least a nineteen hours, journey but it was it was fun you know uh yeah so it was like you know along the way and and and you know and probably and that's the first trip that I ever had


you know in my life uh with with the family ya so it will it will very enjoyable and very happy so it was very unforgettable


ya correct but then it was a very, uh it was it was unforgettable lah because you you'll you will know that I know that I will never do it again nowadays you you know you realise that !wow! you have


correct you want you want you want something that you want to have something that you reach the place uh fast enough you know but not not going through all these long journey and and you know yeah so and you also don't you also don't like like getting up at town


see ya correct correct that's place to go


ya correct I think you're right you're right true true so like you know describe a time do you have do you have that kind of times, when you had you laughs too hard you know that you know somethings that is so so funny that makes you laugh


I see I see oh I see, oh I see I see okay that's that's good


, actually I think uh I


don't, I don't laugh too much nowadays , , ya I don't know ya correct , actually I think how should I put it uh but I I will feel that I'm actually


thankful that you know I still have my parents with me although they are very old okay but then you know uh I hope to actually create more fond memories with them okay ya correct while they are still around, you know ya so I you know I don't know when when will be the time lah because they are all very old now yeah


ya correct, yes I think they are uh like the most precious person, in my life now or you know someone that I want to spend more time with uh yeah hopefully


so friends I do like you like you know we do we have I have friends also whom I can know laugh and cry you know together so I will still I'm glad lah I'm still I still have ya this group of friends too


okay ya I don't know why it suddenly stopped


part one financial related topic


I already have uh, like , so call the uh personal like a uh accidents uh, plan and uh some uh


the hospitalisation plan what about you


sure you will see well what's the coverage look like and uh how is the payout, uh, till the maturity date, what about you is it the same because I think more more mature people will be looking at this


I don't uh because uh I don't have a persol~so call life insurance so uh due to others uh some commitment so I don't really spend cash on the insurance


CPF yes, uh for my case I think is enough because I got no family right now so I what for I don't think there's a need like uh to I think my CPF and those uh MediSave MediShield


I think is enough to cover and protect my family, if anything happen to me ya


that's why that's why I I I have the uh hospitalisation plan which included uh this uh critical illness uh riders all these ya ya so yeah


I used to uh buy from a multiple provider but right now currently I think I all swap to one provider,


stopped that many many years ago so because uh ah I find that endowment plan is uh just simply similarly (ugh), likes a saving plan but although they have uh include some ah, like ah rider but


I find it as long as there's one insurance cover I think should be enough, not necessary to have so many


but what I know last but what I know last time the endowment plan, , don't have so short period of time which they only cover like fifteen years twenty twenty five only recently I think few years back they start with (ugh) ten years


I'm just see and I will consider


I don't really go and look for like agent like, uh unless, I need somethings the which I need to find out more information, so I will just uh find uh means I will arrange a date, schedule them like come out and let them explain to me what are the update


and what are the latest latest so call the plans lah that is suitable for me, so do you do you do you use to ah contact your provider, or you just let them come to you


correct, pestering you give up one eh right now, I have this, plan this plan when can you read ah


yeah I experienced that before especially when I ah sometime few times I I think I met some agents like after, work (ugh) near those at shopping mall they just, push you eh come come come come come like I I show you something something I give I give you free gift and I said I tell I don't want I don't need so they just keep on like pestering I don't like that


, yeah I do I have I have like I as what I has mention earlier, like uh I think last year uh some like they have a roadshow so they just approach you yeah ah telling you they have this plan this plan so ask you to sit


down and just listen to what what they recommend


C uh CPF, but only recently I do some cash investment just for a trial so if uh, yeah, because I I I have do the uh so called the CPF investments for quite some time and I find that this uh agent is quite (ugh) experience and expert in


uh this kind of investment so I was uh quite so call I can have us what, us so I don't have to worried so much but the he very very very uh like the screen through the uh so call the monitor the


uh the movement, everytime and update me every week how much I've earned or whatever yeah, but most of the time the ish~the investment is uh quite uh good earning yeah so I I so I just recently just do a cash investment


but not much lah,


for insurance person life insurance yeah


what I think I prefer to buy separately, because investment you might not know how's the situation because it may be going up or the up and down like a roller coaster while life insurance is uh I think I I find it is more secure to buy separately ah


or you mean your current one is still (ugh) mixed together combine,


ah yes of course this is just for play safe but initial state, , I it's depends on their, uh the rate, and the coverage uh on differents uh sometime I try FWD sometime I tried Aviva uh ya ya I ever try quite a few lah so ya so is depends on the the so called what the pay the premium that you pay and the coverage


because you everytime you will travel different places and different kind of uh entertainment that you involved in some you involve high risk like uh hiking so of course you got to get, a better better coverage from another whoever can provide you in uh


oh


buy together with the travel agent, (uh huh) okay, (mmhmm)


(oo), so I I I I believe they will start uh charging you when you just sign up the trial the package isn't it


I see


your own home ya, ya that, I think I think this is the must for every household to get a fire insurance just to protect yeah just in case anything happen to your


(mmhmm) (mmhmm) (mmhmm), yeah just a normal basic will do lah


what about your your insurance uh do you uh get the term type insurance or you invest a whole life insurance


the term it the term, life insurance, ya you are getting a whole life for, okay ya correct because I yes


although although the premium is a bit high but then the the payout is better than the term insurance


because the term life insurance is just like for you covered for twenty years after twenty years it will not, have uh, news coverage anymore so it's no point oh


uh currently not currently not in my mind ,


ah yes, because because it will depreciate so so is is better again to get more if you find is it worth yeah


yeah


you know insurance, yes yes,


correct correct ya


and then I also need I think I need to uh also update upgrade my hospitalisation (ugh) plan, yeah


correct this year view to the season I uh this COVID I think a lot of thing is being hold back


uh I have a few friends in different providers so yes I might just uh depends see how's the plans looked like, ah which one is more suitable for me so I just consider on that


yes yes yes yes,


yes, if it if is time to swap you can just swap lah which you I think whichever uh whichever provider is mean whichever policy is more suit you, ya


that's great that's good


correct correct correct, uh why why why you eh actually


you mean the bank the insurance I think their rates quite lower than, I see okay, okay great good thanks


part three negative experiences, okay I'm


florence do you, want to like share uh described a time , where maybe something that you watch or read that give you goose bumps


ya, maybe a horror movie or


is it the ring


oh , , !wow! !wow! !wow! there there's that


or you can sense something is following you and staring at you , next next time when you have such experience I think it just to like uh focus your your mind to another thing so you you might not think of that yeah


I think will it make you better, many many many years was uh I think uh, when ah, especially like during ah the


(ugh) ghost month, that time young then you will heard a lot of talk people was talking about this talking about that and then you will tends to be like some uh like so call the, you will be afraid of then you'll be like uh scaring of this guy of that so yeah I think when grown up is I think more or less I think I I have overcome that


, but I still watch uh horror movie, ya so I I I I only a certain part that you you you you when you see when the certain screen right you know that the the thing will come something come out so you might be just cover your your your eyes and then you will be just one eyes peeping I I try that


ya ya lor, I I think I ever had one I think which uh


ah, the organise the event organiser means the so called the event is not well plan and then uh like some somebody that uh like suddenly so called a friend lah maybe talk talk talk then suddenly she


she will just like uh give you some kind of (ugh) , she having a bad attitude so towards you so like that we become not good so I I I I don't like that especially when we come to a gathering of a it should it should be happy happy gathering or rather than like the


, poking each other you see, so you do you have any any experience


!wow!, oh yeah , ah, , to figure it out what you want and guide you


ya is disturb your your trip,


!wow! !wow!,


I see I see see see uh yeah, , that's that's the worst thing when you travelled, ya, ah so, so so so call also this is uh, uh


is there any other like issue that you feel upset, when, especially uh like over when when when you feel the world that needs to do more about it


they're not that so mindful yeah


come across then I I I then I had to turn back and stare at that person


correct, yes, me too me too, I, and yeah and also especially like uh, this phase two


I think uh I I find out that I quite upset that the government was uh a bit fast in opening, the uh a lot of places and especially the number of peoples the maximum of people in certain like uh places of whatever


uh although although the uh the figures uh is low but is I think is still quite need to be play safe like uh gradually or rather than one times


to a maximum of hundred person !wah! that is very that is I I can't imagine what will happen


my great fear ah uh, initial stage ah during this ah, pandemic I think the greatest fear is uh like


time like this uh this virus is usually very , ah too strong in the widespread so when I saw that saw know times I every time I've just to pray for the protection, over my family friends colleagues all these


and, especially that time uh the moment especially when I have to go back to office every day ah, I'm when, my colleagues uh the other colleagues was uh they had the chance to like (ugh) take turns, rotating instead of me which I have to go back on everyday so I find it ridiculous that since they are on rotating and I was there every day so that's make no difference that


I I still see everyone so there's a this uh so call uh possibility the virus can be spread from me or whoever I'm not sure ya you see, also that one also quite a bit upset me uh during that time so lucky now I think after the government come up with uh ah so called a stricter some measure


so at least I have some, other arrangements ah


is difficult


okay


but so far there's no no no nothing uh been uh, although they have some tr~trial trial on the medicine but is ongoing lah


, this is time where you you have to keep yourself uh the immunes immunity strong yes


oh yes I have height phobia , , I I had tried I had I had tried, many ways but, I still can't overcome it


yeah especially when uh, uh like uh I do not know about it even though I like, I I still love go hiking all this but when when the moment you just keep on climb up you don't tends to look backward look down so I don't feel that


that that that fear is only when I reached to the top and looked down, so I said, !whoa! I, I can feel my heart is like uh popping out, oh my my my both leg like uh a bit shiver


, oh


uh, oh, ah ah ah ah for that one for me I don't find any problem it's only like I have uh, problem is like those uh high rise building or wherever you ask me to stand near to the window and look down I can't


I can just stand uh uh means that there's a distant away from the window I look far or look down that's okay for me but not right at the window itself I I


oh, yeah, I think many people many people have that not not only you lah I think you are you are not the normal


I have friends also uh and especially like uh guys also he he will also scared of needles whopping oh he said


often worry about , I


I can say sometimes I used to be like a so call uh, , uh so call tends to try to not to worry too much ya so whatever come


just uh, face it, ya just take it easy it's like uh the sky sky fall down you just okay that's it so you just just think of uh something to, ah to come to solution to ya


rather than than you just like uh, the best way it just to find a solution of it lah don't not not not like skipping of it so and tends to worried much if you the more you worried you can't have a have a solution of it


yes I have uh so call a good friend, ah who has uh, passed away I think many years back, so I think, I I was appreciate that she ah really take me uh


so call I all the while ah that time I, and her it just like a it's just a normal friend that we can just uh, (ugh) talk to each other, meet each other it's only when that point I she can, uh I ah, I feel feel ah so call


great that she really need my, help that a lot, until the final days so I was uh even the final days I was at her side, err ya even her, parents also like uh invite ah means asked me to like go over


uh, at that moment nah so I really stay with her to the last second so ah, so that make me I I felt the loss lah because uh we we we are the one who can like uh she will ask me she kind of like uh encouraged me like to come come let's go for this course together are you interested or what


yes I I went through another one also is my ah the pets I used to have a dog so is also, something that I I think suddenly I think uh uh illness so I have no choice but to just let him sleep so ya that's the that's the that's the ah so call


[ah], there's a no choice that I have to make that decision, yeah, yes this is life


part two positive experiences, hi florence uh I think uh uh all these life I think you will have a ah you you tends to be enjoy have the best meal of your life you ever had so what what's the best meal that you ever had


(mmhmm)


me I still find ah, , most of most of the best meal is uh when I'm oversea when you tends to have uh those uh their, so call the their speciality in that country uh which you can't like never never have it in singapore before lah


, original


, ya ya ya ya ya ya


yeah taste of the korean food I miss the ginseng !wow! that were times I went there yeah that's I think that's the best one that I can have it you can really taste the original, the the the the the thickness of the the ginseng taste eh ya oh it's fantastic


and after that when it's come with a ginseng wine !wow! , , , that really warm warm warm the day, because uh I think I usually went was during their winter time most of it lah so !wah! it's fantastic


although although although we need to queue the long we have got follow the long queue but it's worth it lah, yeah yeah


yes I I have I have uh postpone my travel especially ah I mean from this year to next year so I'm looking forward to that travel again


in singapore because uh I'm still, , I still I work in the essential company so more or less I still able to eat whatever I, still crave for in singapore yes


ya unless you you totally switch off your computers


, I believe you are you are his uh, ah the best right hand person to reach out for


, yeah so so so so where where where, , where's your where's your sorry


I think is uh, succulent plant for my colleague ah during christmas uh season, ah, because I know she love the, growing those ah succulent plants ah and I give her uh (ugh)


plant that she never had before so I I can see her her surprised look when the time I pass it to her , ah


!aww!


ah, I see


what's so what what special of that cake, oh I see I see, correct correct


so cute


when come to concert probably maybe concert especially if, when unless my my ah some best friends best friend uh getting married or giving birth so but anyway uh I I think I


will look forward to go for the concert instead, ya after being like lock down for so many months you can't go anywhere


!aww! !wow! in the airport oh near the airport


!wow! so you you really made the effort to spend uh that the time and money to fly all the way there to just watch a concert !wow!


so so does uh this will also be your like uh uh must look forward plan


ah, when the pandemic ends, , so which country you you planning to to watch


, (mmhmm) (mmhmm) (mmhmm)


ya ya ya ya I see when when everything like uh all the uh, uh all the countries they're with uh uh so call a low and safe


, entry ya


I appreciate like a lot of concerns uh concerns uh like from friends like uh keep on like uh WhatsApp you asking how are you getting on all these you you uh find quite uh miss uh


a blessing especially uh also when a blessing when some a surprise sudden uh uh grab, food delivery to your home ah which you do not know who is the angels a lot of all this ya, and only end up to find out after after you are like asking ah who


who is the angel or oh that's the person I see so this is quite a lot of a surprising during this uh pandemic


, !wow! oh


so is a blessing that they are still still in good condition they are still in good shape yeah


I see


yeah exactly so you you will feel the touch and feel the warmth !wah! that this person is still remembering you, yeah,


I can't think of any at the moment , , but probably maybe there's a lot


(mmhmm) (mmhmm)


oh !wow!


I know correct


I I try before I try before !wah! it it really take very long long long hour distance so we most of the time sleep sleep in the in the transport in the coach and then just get down for a so uh so called a relief and then back to the t


bus and continue the journey to hup chai !woo! is is very very long, now I think is plane now it's more accessible


correct correct, ya for me I really don't have uh for me I really don't have a so called uh uh travelling time spend with my family but I think the best memory is that we we are able to have a so call uh


gather together to have a dinner or lunch during like chinese new year all this, yeah, ya because I think my sister or they are have their own family so is quite difficult together like a


like yeah so the that that's the best moment that we can have the whole whole family gather together yeah


, lucky I I have a group of friends uh, maybe we, we we can go out uh almost everywhere and then we can just share, the the so call good and throw


uh mean the good and the bad news so at certain times, we we we really can like so call laugh laugh that, , not so hard lah but at least we we we can really enjoy the the the laughing the the talking


so I I I believe you you too have a good times with your friends that that keep you that that that make you laugh


so uh or you want to share some funny inside jokes that you and your friend can still laugh about till these days


of the


so so actually they are the one in your life that you will look up for every reason


okay so maybe I go first err how do you invest your money to accumulate wealth or planning for retirement so , as of now I think I'm I'm going for a dividend kind of product so I recently started investing into like err dividend stocks like DBS and I'm looking into CapitaLand Mall trust so I think that by err you know accumulating


a amount of err money do it monthly, then eventually when I'm at the retirement stage it can give me a a good, sort of dividend income, yeah ya so that's personally for myself yourself


, okay


right right right so what strategies would you recommend to someone planning for big-ticket expenditures


for for me I think I'm a bit more structured so I feel that err if let's say uh, like maybe someone my my junior is actually planning to do that and seek me for advice I would really get them to think about the because


like err what is the amount that they probably require to actually start a family and to uh you know buy a car and buy a house so for instance, ya so, but okay if you look at it like if you were to buy a house or buy a car right


if you you would have like a a rough amount like for example if let's say the first thing you want to buy a house is you need to know how much you need to clear for your uh initial deposit second of all it's how much you require for your renovation, so what one once you actually have uh this err sort of amount then you you then work back


on the timeline on err the requirement, so for example if let's say you require like fifty thousand for renovation and you are saving at two thousand a month so that err you know mathematically you will require twenty-five months, then if that is within your timeline of about two years then you know that you are on the right track if you are not on the right track then you would probably have to start thinking where do you have to start you know err saving more or like uh where do you have to cut even deeper to actually go for the big-ticket expenditure so I guess that would probably be a safer way


you would probably have a a better guide on how long you require to actually fulfil this item and especially if you want to talk about buying a car uh you would really need to think about the monthly burn because err a car is technically a depreciation depreciating asset


err you would need to think about like what is the costing per month, that you require in order to for for for you to sustain so I think that is very important to understand as well


correct, correct I think that will be very important lor okay so ya


big ticket ah maybe you you can even talk about like trips [loh] like luxury trips or like luxury items like if today say you want to buy a fifteen thousand dollar watch or like a ten thousand dollar handbag then that could


be a a a goal in line that how long you require right, err I think before it's really a bit more YOLO cause you you do we have commitments right I mean that's how I think lah so you can really like err


focus more on to yourself you can spend ash as much as you want but once you get married then uh you really need to set aside an amount for commitment, err like uh maybe say you need to start planning for your baby's fund or like err your your household maintenance your bills and all this sort and what not so I think this


would be very important ya so so ya I think the responsibility towards the household would be, a little bit more task uh I think it will be err slightly different lah on how you spend your money, ya you what do you think


(mmhmm)


yep that's very true right right so


in a post COVID world what changes are you making in terms of your spending saving products uh eh habits sorry, maybe I I I have already thought about it eh I mean you think about it in a post COVID I I would run okay cause right now it's actually during COVID right so I would personally foresee that


you you see our our err now we are all working from home right mostly so the first thing you think of is saving on a lot of transport money [orh], ya so you don't really have to spend on like as much err transport bills but then on the contrary it's your need utilities bill will go up lah then the same thing is your err


food your food costing maybe if let's say you are working in the CBD area it might go down cause err you you don't eat as much expensive food, ya so then probably now you are eating more at home than your your your uh spending might be lower I don't know about you lah but personally I I think now during COVID I spend quite a lot lesser


ya so I see it as silver linings you know


post COVID lah


what do you think of FIRE how can one achieve FIRE err financial independence


what do you think or do you want to skip this question I think we have a lot of questions you know so I think we can skip a few cause I think we're already halfway through


ya we I I I I can just like I can just Ha I can just quickly err win so the the funny thing it's FIRE right it's something that, I would like to achieve eventually so I give myself another like maybe ten ten years with a buffer of five years on a maximum basis that I will retire so err I think FIRE it's really something really very doable


err it's very related to if you can err, strongly err calculate, how much income you require when you retire so then the same thing you can work backwards so for instance for example if you


are very certain that you need err say a million dollars by the age of fifty to retire safely until eighty-five which is pass the life expectancy age then it's very easy for you, to plan then and especially right now I think the the the newer generation we are we are better in finding multiple streams of income unlike our parents' era where we can work one job for thirty or forty years earning the same level of income


err nowadays I think people are a lot more competitive a lot smarter so financial independence is very much achievable I feel


ya so so so I ya, so I think it really depends like the the amount that you need to set aside a month, same [orh] like like like


like like what I told you like I I I'm building on a dividend portfolio yeah so eventually I would plan that my dividend income would give me , at least two thousand dollars a month, so then I'm also working to actually build my CPF SA


then uh eventually if let's say buy CPF Life uh it can give me at least one thousand five hundred dollars or so we are easily looking at three thousand five hundred dollars a month but of course you know we haven't really factor into what's that called err, inflation whether you know twenty-five years down the road or thirty years down the road whether this is a sufficient amount my guess is something that you know we can have to a very good start


you know to to to really lead into , err something more err uh structured lah you see so there is an amount that for you to work on so at least you are not like totally clueless when you are maybe say at the age of fifty then you start to plan about, retirement then definitely it will be too late so it's better to


not say like you know think about it a bit earlier I would say and that will makes a lot of sense, yep you want to


ya so so like what we say ya it's it's really very dependent on like on what you want, , you want to choose the next topic, !ee! and I think yes ah I mean provided if this person it's err


err, they they know what they're doing, they know what they're doing then I think they should own a credit card because I think credit card has, more perks than, then err disadvantages I would


yep yep agree agree, how do you manage your cash flow, err question sixteen


how much of your income is allocated to savings expenses insurance investment


my my my way of doing it is err I I I think it's somewhat similar , I will save first, before I start to spend, so but my , money is a little bit trickier because uh my err


income is payable because I I I have commission as well, so I save between fifty to seventy eighty per cent sometimes, of my take-home so then err a good maybe say twenty per cent would be expenses I'm I'm quite a low maintenance err person


yeah ya so so then insurance wise it's about maybe say ten per cent per month, ya then investment right now err it's, I think it's gearing up, I'm looking at maybe about ten to fifteen per cent per month


ya so so that sort of err even out lor my entire portfolio, quite quite direct ah ya (mmhmm), ya kay so, we okay lah we left with one and a half minute we can look at what what is one financial advice you will give to you five years ago


if if I can give myself like err advise five years ago right, I would tell myself to, buy the big boys out there leh like I'll go for Shopee, the Spotify Amazon Netflix so by now I think no need to work already can really achieve financial independence


can be millionaire already can you imagine , yeah if, no ah fines also I started working already what, so I have I have but not like ya not like a lot


okay just nice


negative experiences, okay so describe a time when you felt trapped or helpless


so for me right I think err, the the one that I can think of was when my father passed away, so because that happened when I was very very young err I was in sec two, so err I was thirteen going on to fourteen


then err cause err likewise very young so a lot of things we don't know but the thing it's uh I just realise that you know the the man of the house is gone, then err you know err, I I would need to step up to actually you know


err take responsibility as a man of the house so that was when I felt very trapped and helpless because the thing is, to begin with I think our family right our income wasn't very good to begin with, so uh my mom and my dad, were both very normal you know


workers, then err my my father don't have a lot of savings err did didn't have you know insurance plans and all this sort of things and whatnot, so financially we we weren't say in a mess but err we were struggling


but yet we don't have family that reached out to us to actually say !hey! do you need help, and my mom is the kind that uh it's okay you know uh we we can try to do our best but I know deep down inside err, err it's it's killing her lah so but she have to actually you know do her best to actually see through err like err both my sister and my education


so that resulted you know of course you know in in me feeling that uh we we were very helpless, err of course needless to say without my father around then you know I I seek, uh help and comfort in bad company as usual


you know so so then things started turning a lot, worse, that err you know I turned bad uh I refuse to you know do well in school and all these sort of things and whatnot, I only kind of uh snap out of it when


I went into err, poly stage, so where I really started to think that oh you know err perhaps it's time to grow up, so that was when I really snapped out of it but I if you were to ask me ya so I felt very helpless because


we didn't had anyone to reach out to it was just me my sister my mum


I I think for this right funny thing is mine is not really about, like family err mine is at work, so I can remember one of my manager is a this uh indian manager lah uh on my previous work


so, uh he said something like, uh, err by doing this do you know that you are very stupid, so it was a you see it's a very casual remark but, err, I I felt that it's very offensive, !haiya!


so he also say something along the line with uh because we were texting so I sent him like a an thumbs-up emoji so he ask me, what are you happy about uh I'm, I'm not even happy so I'm like !huh!, so so he he he was the kind that he will pick


he will pick a problem so so this is some of the hurtful things that err he, he said to me and I would think that this would impact me for a very long time I I wouldn't say that you know it's so difficult that uh you know I would cry and all this sort of things but it impact me as a professional working person that I would err I would have self-doubt


in my working capabilities and of course you know I didn't seek help, err I I I of course I didn't seek revenge but I went up to the right channel like I I I talked to my superior like I talked to my director, so my director actually you know talked


talked to him and said that you know that wasn't the the right thing to do then eventually you know he came to me he didn't apologise lah but he tried being nicer to me but I guess it's in his blood that you know he talks like this so he tends to be very very direct in the the way he speak so


it didn't change a lot err and I, of course you know needless to say I I didn't stay in the company for very long lah ya but they did offer to you know, change change me to you know report to somebody else but I I thought that that that wasn't the point lah I feel that if let's say a a company can absorb someone who with such leadership


I don't really think the uh company is something err to stay for as well ya so so I would think that something hurtful it's, something along that line of like uh it's between it it's a professional kind of err setting


so at this moment it doesn't affect you anymore


I think we we can ya I think we can jump a few questions, !huh!, ya ya we can skip a few, okay, we we maybe can go into do you do you think what do you think about question six, what do you most often worry about


I think I think health, there is still , a little bit of control lah like you know if let's say you, you start to eat a bit better, and like uh you know you pay a bit more attention to, to taking supplements and you know sleep early and all this sort of things you can sort of gear towards


a a standard kind of healthy living of course you know that there is definitely absolutely no guarantees, but you know we can do what we can to actually kind of maximize the longevity of it ya so so I think this would be


at least helping a bit rather than you know not doing anything at all, ya ya for for me right I think , I at the moment lah I most often worry about my work, cause like what I say because I I love my company though but because I'm still quite new


and with this current situation that you know even though we love working from home at at as as of now err, that there is still a lot of uncertainty I mean, you if you think about it there are a lot of big players out there that have gone through a lot of very heavy retrenchment right I see even companies like LinkedIn or like err err


you know Starbucks are like closing down and err you know Muji declared bankruptcy so no one and no one is actually safe, err to to be honest so so this sort of uh you know makes me worry like err you know as much as we are trying to go to err FIRE stage uh financial independence retirement early but


nothing can be done if let's say you don't have a job unless you know you are like a multimillionaire with, multiple streams of income by now, but the fact is it's not as easy mah so of course you know , err that's the thing I kind of worry for the most it's to really not


have a job at this point of time because I do have a couple of friends who are unfortunately you know they lost their job, uh recently within the last couple of months, and, err it gave me first hand experience to actually witness like how difficult


it is for them to actually secure a job, at this point of time, so err it's it's really very tough and , I certainly hope that you know uh we wouldn't face such situation and that the you know the industry will recover err as soon as possible so you know we can you know get out of this as soon as possible so


but of course you know in return what am I trying to do is that try to hustle a bit more you know try to show my superiors that you know I'm doing the job right, you know I'm not slacking off because I guess that's partially part of the err difficult part about working from home


err there is a lot of uh unawareness like you have to be a lot more accountable, in order for them to know that you are actually doing your job, err you know if let's say you are just you know, are slipping away they they they wouldn't know as well so and especially in a sales environment I guess numbers shows


so so ya been trying to , err facilitate more ways to show that you know I'm I'm I'm putting in effort lah to ensure that you know my my job is safe so , I guess this sums up like what is the most, err worrying thing for me right now will be my career [loh]


so which one do you want to go next


saddest moment of my life ah, [orh] mine is really quite sad cause after losing my dad right err last year I lost my mum, so I think that is the the saddest moment of my life so , I would think that because err


my mom has been, why why is it my mom rather than my dad is because my mum, played a bigger role in the family comparing to my father because after my dad's departure, she was all that we have, other than my sister and now you know it's only me and my sister


so err after she, you know, she she she passed on at like I said after my dad passed on, she really took on the the dual hat, to actually take care of both my sister and myself, for the next what


fifteen years sixteen years thereabout, ya so she worked uh odd jobs and all this sort and whatnot just to make sure that you know she can put enough on the table until she you know safely retire so , uh yeah it it's very sad because err


err we we haven't I mean I mean of course you know passing of someone's err close is definitely very sad but the reason why so it's sad to me it's because I felt that err , she she haven't really get to see everything like err for example me bringing her on more trips because I I just started out


you know to make decent money so you know , we we started enjoying already like you know bringing her on small trips err treating her to like more good meals and all this sort of thing so she kind of have a taste of it , but I felt that you know more could be done


and err she she always wanted a grandchild so but unfortunately she didn't you know persevere long enough to actually see that that stage lah so I think it's, it's really quite unfortunate, so ya I I mean that being said but the the upside about it is because


err within the past recent years my sister and I has spent, a lot a lot of time with her like on like a weekly basis even talking to her on the phone on like a daily basis so , I guess that's that actually help a lot, so it's not that we are not very sad but it was easier to kind of


get over, her departure because we felt that we don't really have as much , regrets that we leave behind cause we felt that we done what we could while she was alive by you know giving everything that we can give to her in fact even the day before err she she passed on right


we were still spending time together like you know as a family so I guess you know err we did our part [loh]


yeah yeah I agree


positive experiences, okay so err, what is the nicest thing someone ever told you


!huh! I think I think should be the very cringey I love you ah


ya ya, what is the, happiest moment in your life


err I think mine was when I one of the happiest moment was when I adopted my dog [loh], yeah ya


my dog is also a daughter so, similarly ya, so I think that is one of the


ya I found her in the back factory and I adopted her I adopted her cause she is black, ya cause the fact that , cause she's a black dog and I know that like people err don't usually like black dogs, so that's the reason I went for her lah cause I feel that like you know I'm giving her a second chance and she's very goofy lah so one of the the best thing that I have [loh]


ya, describe one of your most memorable travel experiences


yep yep


for me it was err my trip to greece, ya so I went there for about ten days, ya so it was it was good cause , it's unlike all the like typical, asian countries that you have been to cause greece is a country that went bankrupt


so the people there are very carefree, and you know they they they take it very slow pace so I took a lot of time to actually go and hike up to different places, to really spend time doing nothing, so I think this is one of like the better experience to like you know


for once in our lives that we are travelling, so that you know we can really experience what, err other people are actually experiencing rather than going there to you know see what cheap loots we can find, so it gave me like a


very different perspective of of travelling so I think after that then I started to love , this sort of leisure travelling a bit more rather than you know just focusing on like buying stuff and et cetera so not towards so material lor I start to think that like uh you know


going for a scenery trip it's really a, a a pleasure to our eyes as well, ya so I think that that trip was really very nice it it really brings me to you know, uh elevates my my thinking of wanting to travel to


places that are further, so that you know we can really see what other people are actually experiencing, ya, and it's nice lah it's a very nice feeling


what are the oddest or most unique compliment you ever receive I don't think I have it do you have any, my my ex-boss did say that one of my


biggest strength was I'm curious, so I think that was pretty odd to me because I I don't see oh she said very Kaypoh not say I I curious she say you very Kaypoh, then she said that's your best strength I'm like !huh!, ya but but but but but she did err kind of explained further that


because you are very Kaypoh, err you will never give up in finding out the reason why, so then I sort of oh yeah that makes sense but that that was something that I have never heard it for the entire life even until now lah, so she was able to pinpoint something that


other people might think that it's a weakness but, he actually she sort of see it as a strength which I think it makes sense, ya so that's probably the oddest lah or most unique complement [orh] ya


ya it's okay we can we ya, we can move on [orh] we can move on, what what are you thankful for


for me I'm actually very thankful for this work from home thing as of now, cause I realise that after this uh work from home right err we get a lot of uh bonus packet of time


so so you know like the the very err small window of not having to travel to work, back and forth, and err the the err, you know that the time that you can be used, err to sleep in more


to work out more or, because you are working from home, err, you don't have to shower so early in the morning you don't have to like uh you know uh wear formal clothes put on make-up you don't have to do your hair, so all these brackets of time right you can actually make it into better use


so you you can be a bit more productive as well so I now I take naps during my my work, like for maybe say two two thirty my after lunch nap so that kind of energize me better to actually, produce at work, so so with that it kind of gives you a very different perspective about work as well because gone were the days that you know we think of uh working from nine to six and we have to be constantly at our desk to show that we are productive


but nowadays it's really more towards this thing called work-life integration it's no longer work-life balance so how you can integrate your work, with your life I'm the kind of person perhaps you want to you want me to pick up a call at seven thirty PM ya by all means but it means that if let's say if daytime


uh during maybe say three PM I want to go for a workout, can I ask for that in return if I were to you know complete all the tasking so these are the things I'm thankful for as of now [loh] because right now we don't have to go into office so everything is not so mandated, ya it's not so compulsory that oh you have to sit at the desk to make sure that you know your your country head will think that you are working


err yeah so so this is something that I'm very thankful for like with that I would think that with the additional time that you know I'm getting to sleep, and, and to work out it improves my mental health as a, as I such as a general rule of thumb ah so I think then that that makes it very nice


I cause I I we hate to sleep when we were a kid ah, and now I love it as an adult eh even weekends I'll take naps


best birthday present ah I think it was a, , I actually have quite a few birthday present that I, really like ya, like my err, wallet, that was given and err like this bracelet that was given as well so a couple of them but its mainly more material stuff lah nothing very interesting


cause it's a I think it's practical lah, ya it's practical it things that it's things that we use lah on a daily basis if you were to give me like say like a yankee candle and I'll be


no ya, ya so so oh yeah maybe err uh a friend of mine gave me a Adidas jersey so it's very you know, it it it it's not very surprising


you know but it's practical so I love it, rather than you try to get me some, thing out of the out of the world but, I don't get to use it like like like if you get me like a very nice light bulb, you know that sort of thing ya ya ya ya you leh


ya it is lah and and and god knows like how long, err this will last you see, ya, me ah err the funny thing was err I would think the biggest blessing was I got, I got fired


I think during some time during february, so so, ya ya ya so so , because I got fired during COVID right, then I found myself this job, so I mean I was already on the verge of


err you know, in the midst of the interview lah but I I I wasn't a hundred per cent sure that I want this job, but given the fact that like, you know I was fired and uh the the the incline to actually to take up a new job it's definitely higher and if found out I I found out that actually this job was a lot better


I mean the the the company structure and , the people here they're they're a lot more structured, and , err it it it it just feels good, to be able to join a company that really cares for you, rather than you know err putting you


putting you away when situation happens of course you know I understand that you know during this period of time a lot of people are not spared, but err you know it just feels good to be able to, what's that called, err contribute to an organisation again ah


so and I'm really enjoying myself here uh the job here it's not half as stressed, and, my err remunerate compensation is a lot better as well comparing to previous company so ya all and all nothing to complain my bosses are good as well comparing to my previous bosses


not so demanding ah so I think at this certain juncture I I guess other than you know, compensation aside err it's really to, find a place where, err you know we are being appreciated and that, would result in you


having a happier life cause I always tell you know people around me that err, we are working essentially one-third of our life, cause you work eight hours a day for at least thirty years, so if, that one-third of your life you are not happy right, which means you are unhappy thirty per cent of the time


at least, so why make yourself unhappy thirty per cent of the time when you can choose to be happier, so I would think that if let's say we have a choice I would sacrifice a little bit of money just to, grant myself, a little bit more happiness [orh] cause money is not something that you can chase err uh it's limitless lah you see


so so might as well ya, I think one more eh two more very half


I love that I'm a, I'm a very err easy person to talk to


so because the thing is I I I guess, that's why I'm into sales job as well, so I I really like talking to people, so I I always have this thing that if let's say I'm trapped with someone in the lift right, I I cannot stand awkwardness so no matter what nationality or what kind of age I will definitely bring break into a conversation


so I think this is what I love about myself because the thing is like what my ex-boss told me because I'm Kaypoh, so I always like to find out eh you know what is it about you what do you do and all this sort of things so it makes me understand, a lot more things than other people so I think that's what something I love about myself a lot you


(mm) (mm) okay yeah


financial related topic okay


ya so uh technically I am not a very err avid err investor so I haven't really thought of about as in about accumulating wealth and planning for retirement other than a normal like CPF kind of route


ya only the only like way that I am thinking of I haven't even, started is just maybe to put money into like those fixed deposit plan and maybe to earn a little bit more interest compared to whatever that's offered at like those normal POSB and savings kind of account and then for retirement I think right now it's just


err really seeing on how like the CPF can build up and stuff like that so I don't have much planning on that yet unfortunately yeah ya so


I mean I don't really have like a certain like strategies other than the fact that I think saving is very important technically so , one of the major strategies that I use like for for for my own case is just to put aside a very


significant sum of significant percentage of whatever salary that I have for the month and then make suitable plannings accordingly cause I think regardless of what savings is it it should be like your number one priority at this age if let's say you're planning for like a big-ticket expenditure


especially like starting a family or buying a car so I think that's like the first step of every err of every planning like kind of route how about you


but normally these kind of amounts are very subjective right it's like a very roll-on kind of amount


kay so if the technically your strategy is to make like a more organized like a more structured timeline kind of plan based on their salary or based on I don't know their earning capacity or something like that is that correct


(ppc) true true true what are the other big-ticket expenditures that that you think it's is very tough to plan for though starting a family and buying a car is very common lah in singapore but what other like big-ticket expenditure do you think


true true true okay okay okay so how do you manage your financial commitments before and after marriage


that's true I mean financial commitments before marriage is very I think it's very simple it as in it's very clear cut yes you may spend a little bit more money on like on your partner and all like before marriage but it's still very like individualistic, a lot of things like you spend is still on yourself but like ya so I think before like marriage the financial


commitment is really err really err how do I say like you really, it comes and goes like it's very ya it's very flexible so I think after marriage right because you have a partner and then like, you really need to have very similar goals towards your commitment so I think like it's a


it it's it's it's a err another type of planning involved like after marriage I mean there's two contributions and then you, you have to make it a little bit more structured towards like a common goal I think ya so that's that's how I manage like the the financial commitments after marriage like you it's it's more like you put your resource into the same pool as this other member and then you discuss and plan together


haven't really thought about that though post COVID world ah


that's true (mmhmm)


(mmhmm) I had okay the thing is I haven't really thought about what I would do in a post COVID world cause like it seems like quite far away unfortunately uh but I think some of the changes that that I can foresee myself making in terms of my spending and saving habits would


err (oo), would wouldn't wouldn't differ a lot pre-COVID I would say just that maybe there are some maybe I need to allocate a little bit more to err I don't know like maybe insurance


buy medical insurance or like just in case like something like COVID happens again or or anything like that yeah but I don't I don't foresee myself changing err the spending and saving habits a lot


after like COVID because pre ya after COVID cause pre-COVID it wasn't it wasn't like I had like, a very strict form of spending or saving habits it's really as and when needed err with planning like I need to save a certain percentage so I think after COVID it will still be the same


ya so it depending on what comes, yeah yep yep what do you think of FIRE


I a I mean , I err I okay we we if you have err if you have some inputs for it you can you can go for it but I I I don't


ya ya ya


that's very true I think but I feel like err the the the plans to like err retire early also depends on like the lifestyle that you want to have after you retire if that kind of lifestyle that you want to have is a little bit more like


more like YOLO that kind of thing then, err it's you need to like really do, something very significant about achieving the financial independence ya


ya so how would you achieve your financial independence or like how have you I don't know what plans do you have, the dividend ya ya ya


that's true I mean if you're talking about in general like how can one achieve like financial independence right I think maybe some, form of passive income would be would be ideal as well like regardless of whether is it like investing on properties renting it out even have some side business some side hustle


ya I think that's like one of the very common and popular avenues for people to achieve financial err not say financial independence per se lah but like maybe a little bit of financial freedom


and then it actually gives them like the flexibility to to save up and then eventually achieve like this kind of financial independence ya okay okay


sure so do you think one should own a credit card,


that's true I also think so yeah cause credit card for myself it have given me like quite a lot of cashback and err rewards and , ya so those are like technically it if you have the discipline to really like clear your bills promptly and stuff like that right it actually give you more benefits in term they technically just really give you free cash


in terms of cashback and like miles even , ya it's something that's on top of your own spending so think about like like all the like effortless thing that you can do like with this kind of cashback ya so but if it's really only for like people who can who have the discipline to to to clear their like bills and stuff so


that's true okay then next question


yep yep , okay so technically so every month err you will get like a certain amount of err a salary right so how I manage my cash flow is to allocate, hang on uh to allocate I think


err a very huge percentage to savings err I would say at least a fifty per cent of the take-home, it'a a at least it's just a good amount and then expenses err because my expenses are not a lot it's really just for like your normal transport your normal food


a little bit of enjoyment here and there so it's it's not a lot and then insurance and investment it's err it's more one, time per year kind of thing so I don't unfortunately I don't allocate any of my like monthly cash flow


to to to insurance and investment for now but it's my expenses are really just split into at least fifty per cent of savings and then the rest will go into expenses ya so how about how about you


fair enough quite direct lah I think, one financial advice ah save more read up more like read up on like financial products cause I think there is always like perks to starting early and five years ago like if imagine I were more knowledgeable on like the current financial products be it like fixed D or or whatever it it may help a lot in terms of financial planning towards like five years later like right now


yeah so I think but the most important advice would be just to to uh do up a savings plan or like a uh have have a certain uh aptitude towards like savings per se I think that’s the most important


but five years ago you wouldn't have that ton of money don't you think would you (uh huh) oh so you just save save true enough okay


negative experiences


I think it was at this point of time where like err, my like mum, had an, encountered like some issues and, err it was impacting like the family so I think that was a time where I felt very trapped and helpless because I was still very young and you don't have like


anyone to to go to I think I was still in like secondary and and also like you you don't really have anyone to go to and my dad was very absent like he wasn't around so I think that that kind of thing when you're young and your parents are not there


err yeah I felt very like trapped like I don't I didn't know where to go I didn't know who I could seek help for like seek shelter even on days where like okay let's say my mum had encountered some issue at home , then I just don't want to be at home I didn't know where else to go if it's not like school and all so err it was very tough for the entire family because I'm not I'm not the only child I have a a brother it was very tough for the entire family


ya but eventually we we got the the help that we need and ya eventually things err got better with with the help of like some family friends, and also I ya she she reached out that like a helping hand and then make sure that the family was was provided for in the absence of my out of my parents


ya so I think that was the time where err ya it was very tough lah for like a a a young person I would think ya


yep glad that is over so eventually it will get better okay so what are some of the hurtful words someone said to you that you wish to forget


I I, I I the only err examples that I could remember was , it it doesn't impact me as much right now but I think at that point of time, it was very hurtful because my family


err err is uh, I I mean, at at least, no lah I think both sides like my father and my mother's family right they are the type that err are more uh like are are more inclined to like the the the the guys so they they doted on my brother a lot more and


that goes to say for my mother ya so it's some some of like , it may not err be like their intention like to hurt me, of course err uh on purpose, but like there are some things that like they said like why don't you take care of your brother like


even though he's slightly older this is this are as in like I think at that point of time when I was very young lah this kind of thing very hurtful like to a kid when you have these expectations of why why is he the older brother he's supposed to take care of you why why you didn't care of him or like they will say stuff like


err can you like like in chinese lah can you can you can you <mandarin>让:rang</mandarin> can you give in to your, brother a little bit more then you'll be at the back of your head you'll be like but why I'm younger I'm a girl why I must give like give in to him is it cause he I don't know he's the


the elder son is it because he's a boy you dote him a little bit more then what about me that kind of, think so I think that was like one of the like err a few examples that are that I can remember that was very hurtful, ya when I was young that I really like can't forget lah at least still at this point of time


ya not so much because you like when you were young you'll be like why why why are you like, like uh doting on like the the the son


more, kind of thing ya but after like right now I just kind of err


let it be it didn't it didn't get them anywhere like, good even though they dote on my brother a little bit more, my brother don't dote on them more now so , err ya so it doesn't affect me as much lah but err ya it was it was quite hurtful


back then like as a kid or like as a a a teenager yep yep so I think we can skip a few , !aiya! I think we can skip a few questions we only have like nine minutes


err I actually most often worry about my family


, ya so like whether or not like I'm able to give them what they want or, what they need whether or not like I can live up to like expectations and be like okay if you are talking about money whether I can earn enough money to like not only like give them like err the a a good life but give them like the life that they really want


err, ya so and like I often worry about like their health I think that's the most important uh as in that's like the the the most that I, worry about cause health is not something that you can control money probably money you probably can can can


have some form of control but health you really cannot and like I think this that's the thing that I worry about like err ya the most I think it's just my family in general their welfare their their happiness ya


I think mine is also similar it was the passing of like my mother-in-law technically, cause my my, the, parents are still a are still around so if you are talking about loss right I as in my parents and my err main grandparents lah they're still around so I I didn't really experience a lot of loss


the saddest moment like of my life was because as in that was the saddest moment of my life the passing of my mother-in-law because she was really like a second mother to me, she she was someone that like understood me more than my own mother like in terms of like likes and dislikes and that was she really was someone that like invited invited me into the family and like treated me as her own


and that's why like when when she like passed on, err it was very similar as in it it was like a loss of, my own family member even though like err maybe the she I only know her like half my life that kind of thing


ya so ya I I I I I was glad that like we could like spend a lot of time with her as well similar as you but I just felt like it wasn't enough like we always could have done more


ya but it's like this constant regret that you will always have err when it comes to in-laws like nothing nothing will ever be enough you'll you feel like like you just want to spend like you should have like talked a little bit more messaged a little bit more


(um) brought her out a little bit more but no one knows what will happen [lah] ya so (ppo) ya it was very tough to


positive experiences


how about you start first I can't really there's nothing at the top of my head, true I mean uh another another alternative would be err you are the best thing that ever happened


to me ya ya yeah


there are a lot leh like as in it's it's really very difficult to to pinpoint like the happiest happiest


!wah! I cannot think ah how about you , okay lah sorry I think maybe per duty I I need to say the the birth of my daughter ya see that that is one of the happiest I would say


talk more about her like her like how how how how did the adoption, go about like like like how you found how did you found her then why you decided to ya


I think one of the most , memorable travel experience that I had was the first trip, err with my then boyfriend to Genting


cause okay first and foremost right now the the Genting now is very different from the Genting then so unfortunately like we could never go back to like the then, err Genting where there is like the ripley's like believe it or not museum


and err uh I, I think like the those like indoor indoor rides ah the indoor bumper car the indoor roller coaster, the cause now it's very like what is that a MBS ah now is very MBSish like all the luxury stuff


last time it's really like super cheapo #na na# like you go Genting really just for the fun of it then it was very casual and it was how like first trip mah so, err like everything is new then being together also new you don't know what is it like like going over uh going like travel with like this person


and also everything is very new and like novel, so I think that was one of the like most memorial sharing travelling experience even though it's just like Genting but I think it was like uh it's it's close to ten years ago or like close to nine years ago but I still remember like every detail like very uh very avidly


ya so I think that was like one of the most memorable travelling like experience that I have


compliment


ya and, honestly at the top of my head I I don't recall any like


odd or unique compliment that I've received I mean, you will get like those common like working style and all but ya odd and unique I really, cannot think of anything unfortunately (mmhmm) yeah yep yep yep ya let's move on


!wah! I think this is like a very like exam question I'm actually just thankful for like everyday life, ya cause right now right I think okay I think the most recent like I think that I am thankful for is just the fact that I have a job like as in it's not it's not like the most important thing at the top of my head right now but it was this the most


recent thing that I was err just thinking about like err like a few days back like just having a job during this time of COVID cause , like you you tend to see like a lot of people they they they're affected by COVID then it really puts them in very difficult places at this point of time


and err ya you see them like , struggling seeing them getting setback so it's it's really something that I was very thankful for just to have like a job a good job even and ya something that I can work for as well as support my family


ya that kind of thing so I think that was like one of the most recent thing that I thought


that's true coo cuckoo, what did you use to hate as a kid but now love as an adult


hate when I was a kid ah what I cannot I cannot think of anything that I hated as a kid going to school maybe ya


I mean going to school as a kid comparing to going to school as an adult like during my the the the older school like tertiary, school days is it's very different lah like the friends are different and all ya so I think that's one but I can't really think of anything I really really hated as a kid ya but love as an adult


(mmhmm), what is your best birthday present and why


how about why ya, ya what the question is what was your birth best birthday present and why


yeah


I think, the err the best birthday present that I I


had was an overseas trip, ya that's I think that's like the best cause, like in a overseas trip you really like get to enjoy everything as in it it doesn't really need to be something tangible like a wallet or like a bag but it's just the entire experience of


someone bring you overseas just because it's your birthday and spending time with you making sure you enjoy the entire trip even though it's like very short like it may be a very nearby trip or like a very short trip it was a trip to like to taiwan


ya but it's still it's still very enjoyable, and I think uh ya I think that was like one of the the best birthday like present that I have, cause this this kind of this as that birthday present was very uh it was really catered to me I think and it was one of the most like useful and valuable thing that I that that I I receive so ya I think that it was uh it was the the overseas trip ah technically


(mmhmm) then, what is what is your biggest blessing in disguise, , err ya I, I think the biggest blessing in disguise is err I taking from from from your like content I think it's really this COVID like it


uh working from from home or like being able to to work remotely it really gives me , a lot of time that's one and I think it it kind of sets my, the uh I


feel like it kind of sets like the entire like working landscape in singapore into something that's more flexible which is very good for me cause I work as HR right , so ya as in if your company can still like function at this point of time where everyone is working from home it really opens up a lot of questions as to why not


work from home even post COVID and I think that's something that I really enjoy like working from home same as you I get to have more time with my family you get to have more time to myself I don't really need to waste time really the one-hour two-hour commute


ya so I think that's the greatest blessing in disguise even though COVID is like a very very bad situation ya ya ya


just this year


that's nice okay I think cause we left with one and a half minutes there about right we can do two more question err maybe let's do


what do you okay let's do maybe what do you love the most about yourself


I think one of the thing that I love the most, about myself, is , I feel that like I'm very easy going so I think that that kind of, , err like kind of opens up quite a lot of like opportunities like for me when it comes to like


even professional professional terms or like personal term I think cause a lot of people like, they're more like inclined to, interact with easy-going people and I do like interacting with other people so yeah I think that's one of the


thing that I love the most about myself [loh] (ppb) just nice


okay recording , part one financial related, okay so uh


so I mean there are multiples way to invest your money lah like the


most basic and the safest one is to put it put it in a bank and then like, just earn the interest lah but the interest is like very very low lah for like POSB is only like zero point, zero five percent or something right, yeah it's it's very low lah so maybe you can like try to invest your by put your money in fixed deposit that one is also quite safe ah


cause like I know different , yeah, yeah it's from got bank that offer this kind of yeah fixed deposit then like I know different banks got like different percentage of interest ah so like usually some people will like go and ask


around like which bank offer the highest interest rate ah then you can consider putting your money, in fixed deposit yeah yeah but then they got like so so but if you put fixed deposit right like some, bank they got some requirement ah like ten K minimum sum or like


twenty K minimum sum or like some is may like the higher interest rate you want right you have to put for five years those kind ah


oh okay so uh, put your like savings in fixed deposit or, or haven't yet, thinking ah


ah yeah, (uh huh) oh ah ah


wait you mean stock market or, really okay,


some money ah, (uh huh), wait stock market ah, okay cause I heard before like, stock markets right where you buy the bank company right


it's it's safe lah but then <mandarin>他们的:ta men de</mandarin> that the, the starting as in the each share right is like quite high ah the amount, like you need to pay a lot to buy one share that kind, that other companies ah that's why I share ah


okay but stock is a good investment, you can earn like, higher higher return


for stocks only a few dollars meh no lah I think, hundred dollars that kind ah yeah fixed deposit also like, if, if the interest rate is high also got like few hundred dollars a year ah, like if if the fixed deposit is like for one year lah then maybe something the minimum amount is like ten K I think got few like hundred dollar plus or two hundred dollar plus yeah it's like higher than bank oh


(<B> mm) yeah I, yeah actually a lot of adults do that, like cause, I mean where if we are young we are not able to do so lah


think buying a second flat when you're at older age where like your first flat right you have pay finish all of it, yeah after that you still got a lot of money inside your CPF right you can use that money to buy a second flat then like rent out or something to earn that side income


yeah yeah if not like some people they buy those uh, those what savings insurance life in life insurance ah endowment ah I think


yeah like every month you save like maybe five hundred five hundred then, maybe up to an age of, I don't know how old like twenty, depending on the plan ah can be for twenty years ten years or like


fifty years then when you hit that age then you can get out like a lot of money that kind ah, uh ah


oh yeah yeah I actually my aunt got buy, uh, like those gold bar before like try uh like cause one as in the value will increase each year what so she will she buy those and then like, maybe keep and I don't know


, I don't see when she asks to sell I don't really understand lah yeah


yeah, , ya lor yeah I mean like of course you need like once in a while you want to pamper


yourself you want to buy like games or like, buy clothes then buy car housing all these confirm you need money ah so like , to make your money work harder for you instead of you working for money then yeah you should find, like faster way like stocks or like uh like uh those savings insurance


which what what is the, oh yeah


oh yeah like this one I think is the endowment saving that I'm yeah actually I'm thinking like should I buy this kind of insurance but then I heard from my friend right saying like it's not very worth it lah like


her boyfriend calculated then it's like not very worth it then should try for the there's like currently there's this, new program new plan like from sing life or sing saver, did you see the ad like it's a


at lot, it's saying like for per annum give you two point five percent interest rate ah, and then, he was saying that this like is more worth it than those endowment, program lor and yeah yeah


maybe can go and take a look at then like uh try out, (mmhmm) , actually eh you should ask your eye kind of play uh stocks then I can share more, is it uh I don't know how


to read and like how to how to like, spot the trend or something when to when should you like give up like sell it away or like when should you buy it like and sell the stock


yeah actually you need to like google every on the company right see how how how wealthy the company is like how many like investors how much money, they're earning per year that kind, yeah, actually you can, like last time I heard from


from a friend right he is like try slowly trying out but first he downloaded the, SRX app then when, from there you can like spot the trend and then you can like virtually buys yeah the app you can actually down actually we can download the app and then we can like


discuss how to, how to monitor it yeah how to yeah, yeah and then you can get some tips from your aunt or your cousin, , yeah, yeah then, for then you can like virtually buy some stock ah then


yeah and, yeah you can buy buy you can don't use real money you can use like virtual, money I think, ah testing out so you won't burn your fingers lah if