how to become better or like how to face the next, moment or like the next attack uh not attack lah like the next, uh, uh, problem or issue that you might face or like how to avoid that issue or problem


if you get what I mean ya, then because singapore is so expensive to live in then you will keep thinking about finances I think maybe cause uh I'm not really from I wouldn't say I'm from a very well to do family so I will, have to


keep thinking about such matters lah ya, ya so that's some of the worries that I have ya even I I mean like financial it's not really something that is present for me I like I'm constantly thinking about the future also like if what if my family in future cannot have enough money


okay but that's that's also uh , uh a subjective subjective thing to worry about lah so but I am someone who constantly worries about such things yup ya how about yourself


(mmhmm) (mmhmm)


yup, ya and it's so competitive right so that you keep having to improve ya it's a it's a never ending cycle I mean it's not necessarily a bad thing I mean in terms of the economy and all that but


ya it's stressful I would say, what was the saddest moment of your life, ya


(mmhmm) tell me about it


(mmhmm), why


(mmhmm)


ya


for myself, I guess it was uh, uh, I mean it's relating to my grandparents also, so it was when my grandpa got a stroke


and he almost became something very serious because uh, we only realised I think he had the symptoms maybe like one day before but then no, nobody really noticed it until we were at his, place cause he's they live separately from me lah and my my he stays with my uncle but my uncle is not always presently there cause he's working ya ya so


like until today, like I will I will think about like what if, we had noticed it earlier you know what I mean, ya so I feel like that uh


that was one of the saddest moment lah cause after that uh, you can see that his health deteriorate a bit until now so, ya, ya, correct


ya maybe describe, wait describe describe a time when you feel that nothing you do is good enough


so ya


ya I totally relate to that feeling also ya it's it's really stressful lah this period of time especially now there's the COVID also uh like some things get halted also, so, ya correct


and then like for someone like me who constantly worries, like it's ya it's just a very negative ya kind of emotion that we're going through,


(mmhmm) so i think, other than the current situation right Nads uh there was a time when I feel that nothing I did was good good enough was when I was studying also so like when I was in uh JC


uh, it was very stressful and honestly until now I, I, now I've after I have graduated I feel like I should have gone to, poly instead cause it was so stressful like year two I have I feel like I cried like almost every week or something just because I keep failing for my uh little test I mean for some subjects lah and as someone who always wants to


I I, I think I'm quite competitive in nature so like, I always I always want to try to do better but sometimes when even though you try so hard right then maybe it's just not your path or something ya so that was like one of the worst periods of my life during my education years


ya, but honestly if I do if I can go back to that time, right I'd I would really, maybe start earlier in in terms of studies maybe repeat my year one because maybe I just needed an extra year to


to go back to the basics first, ya, but at that point of time I I I ya I didn't really make the right choice because uh I wanted to I think I kind of wanted to move forward with my other friends also


like don't want to be left out but actually it's not but actually it's not a good thing to do because your, I mean if you are not ready means you are not ready you cannot just move forward and then expect things to just uh fall in place like sometimes it just it just doesn't work that way lah


yup, ya I went through it but I mean everyone will have regrets in some parts of their lives lah so but like this is one of my regrets I think ya, ya then I think another


part was when, after even after I graduated right I wasn't sure what to do, do like what course to take in uni because whatever interests I had it, was


I'm someone who's fickle minded basically so like I'm interested in something but I know that it won't pay me you know that kind of worry that I have or like uh what, I'm interested in something but I know that I can't get into that course also was another worry so that that point of time was very confusing also because you know that if you take this I mean kind of you I mean whatever you take in in that degree right is kind of like you are setting your life in front of you already like


ya so in the end I take something that is very generic also which is marketing and then I don't know sometimes I'm not sure whether it's the right path for me ya, so


no not really my biggest but I wouldn't say it's regret but it's just being very unsure and confused ya I think I mean I have friends who are feeling the same way as me also


and I just (ugh), I mean the only way we can do is to just go through the motion and see where it takes you but it's not necessarily the best way lah but that's life I guess, ya


okay describe the saddest scene you have ever witness I'm sure you have a lot ya I I think in your line ya I think in your line of work that you have a lot right that you can see ya


(mmhmm) (mmhmm)


the family didn't move the body a little right uh okay


having a weak pulse is it okay,


yup did it impact you in any parts of your life


(mmhmm)


ya that's true , I think one thing that came to mind when you talk about like accidents and incidents right was when


when my my uh, primary school secondary school friend, uh, uh passed away in a motorbike accident there was like one of the, moment in my life where I know ya when I I decided to be more religious and all that ya because life is so short right ya but anyway so I went for the wake uh at his house right and


like he left behind five other siblings so he was the oldest of six I think and then when I was there like you can see the whole family crying and then I you can also see that their family members were trying, like some some of the older siblings would, and the parents were trying to


hold on ya but ya you saw I saw the sister crying (uh) like were going to a corner to cry so (ppl) ya okay that's all


yup, okay, ha okay I really need to think about this one you want to start first


, (mmhmm), (hmm), so how did it turn out better, how did it turn out better


(hmm) sounds


great, uh, a moment when things turn out better than expected, okay let me think I I still need to think on this


do you have anything in mind in mind, you serious


yes that's true, yup, that reminds me yes that's something I would I would I mean as a kid right my parents are always asking us


to, stay at home and all that right but now, ya and now all I want is to stay at home yup, yes correct now all you want to do is just rest


yup, okay what, was, K what do you love most about yourself ,


uh, I, think for myself maybe the fact that I am patient with a lot of things so like there are a lot of, incidences where people will just straight away kind of


react negatively I mean I do react negatively to things also but I don't react aggressively towards it so in a lot of circumstances it's helpful to me, ya so like for example uh when someone's angry at me right I don't react I


I I'm, more patient in that sense then it it makes the negative emotions less negative if you get what I mean, ya


ya, okay what what is let me see, what are you thankful for ya


(mmhmm), yup definitely, (mmhmm) (mmhmm)


(mmhmm), yup


yup that's very, , yes I agree with that


yup that's true for me


, I am thankful for family, uh because, I spend a lot of time with them and I love them a lot, so like every time I feel negative when I come home to them it's like home, like you feel much better, in a certain way ya


ya and I mean uh other things, that I'm thankful for of course is what you said like having having a having a home to a a roof to stay under having, uh, uh all my senses feel, intact yes uh


uh, , having ya having living having to live in singapore also I feel like I actually even though there's that's so many people complain about the government complain about uh like the minor little things right actually we are very sheltered


so I mean you can you can say it negatively also like okay because we are sheltered there's so much things that we don't know about, uh, but ya I'm thankful because if you are if you if I'm planning to stay just in singapore then uh


uh ya, ya all the security and all that kind of stuff you don't need to worry about, ya


okay let me let me ask who in your life do you look up to most and why


ya I can understand that you have so many people like so many how to say like connections right, yup


brought you up, (mmhmm), (mmhmm)


(mmhmm), ya


uh, uh, I guess, my parents , how they brought all of us up like previously when I was


younger it it, I didn't understand why but now when I'm older, I understood and, I guess it's something that I would do to I mean I would raise up my raise my kids in a similar way, ya uh


uh and also because, for example like we are not very well to do, right but, still they work hard, to, like provide for us, and all that, ya, so, that's something that I, will look up to to my


parents then other than that uh my bosses for example ya because like they achieve so much and they dare to take the leap right, to like to, to like start a business, and work hard for it and make sure that they uh achieve successes whether it's a small fact or not ya so that's something


that I look up to because starting a business is something that I've always wanted to do, and, and ya so like they are kind of like my role model lah, , like how they see small successes as big achievement feel is


uh, makes makes things look more positive, rather than someone who, like just because something small some because I work with bosses who looked at, little negative things as like something big ya and then they ya


correct correct so ya ya so that's how I that's something that I'm learning from my bosses, ya, uh slightly, there's still a lot of things to learn of course


so uh, uh, ya that's all lah, I I I mean, I'm learning soft skills and uh, uh


technical skills and it makes me happier because I'm learning and someone who likes to learn, ya


one of my most memorable I guess it will be the first time I travelled alone without my family and that was to, australia and to Sydney ya I think ya during that travel was the time, and that


I discovered how much I love adventure and nature ya cause I went I went trekking with a friend there with friends there, then we went to the we went to blue mountains also


ya correct and the I can't remember what's the like the nature nature park that I went but that was when I started to have a dream to visit all the nature parks in the world, ya that's how much I love nature ya so the the one that I love the most was when I was standing on top of this uh


it's not a hill you know the the, the place where you face the sea and it's just it's just ya a cliff ya something like a cliff so like you, you see the see you watch the sea just, I mean like you see the waves how to say correct ya just and like all you see is really just the the waves and the


and the sky the sky, correct correct that's yes, that's what I'm trying to say yes so that that was very calming and I I really love it I I think I can spend like hours there just looking at the sea, ya, so ya that was memorable because it was uh


my and when I discovered uh that I love nature and adventure and it was also my first solo kind of solo experience I went with one friend lah but ya kind of solo without my family and ya that just ignite my love


for traveling also ya how about yourself, ya uni uh no no JC friend I went with stephanie ya ya so that was interesting


and then at when I was there I went to I think I travelled alone for half a day or something cause I went to, to meet, uh after, uh my cousin I realised that I my cousins are coming over, so so I decided to meet them instead after ya because stephanie has a family there so she stayed on with her sister and then I went to meet my cousin


ya so travelling to them was uh I was traveling alone it was kind of scary cause it was it was my it was first time but ya after that I really wanted to try solo traveling again


how about yourself what's your most memorable I feel like I know what's your answer will be ,


oh okay why why was that memorable


(mmhmm) (mmhmm)


(mmhmm) (mmhmm) (mmhmm)


oh my god ya yup


!wah!, !wah!


so everyone was safe was everyone safe, okay, ah, ah


right right, okay, yup yup yup


that's that's something I've been wanting to do also like yes diving but every time I want to go diving I will go and like research about it right so when I research about it then I will, read something negative


like someone uh passed away or something and then I get scared but ya it's it's definitely in my bucket list lah, ya


then would what's the most interesting sea creature that you saw


okay alright, so, sure sure go go ahead


direct answers uh or uh uh okay if if you sleep through answer then uh yes if let's say you go in without a plan, ya so , so you


ya so you were saying cannot cannot


is similar to gambling eh


depends I think uh now if you ask me I would go for investment first, , because trading is is a whole another matter you have to be, uh what you call that uh up and you have to always be ready uh to trade lah in that sense or you need to uh analyse the market and especially now with this uh current situation I think is is is very uh


what do you call that uh, uh, uh it's very risky lah in that sense cause uh everything is up and down up and down the current financial market,


(mmhmm) panic sell and that


true true so I I I think basically investing and trading is uh mental game lah, uh you have to number one be very stable where you are and and the money or the funds that you are putting into invest or trade uh you need to put it into point uh put it to a point that you are going to lose the money


and then you're not hoping you not hoping to earn uh five fold ten fold of what the money you invested lah, ya yup yup so so it's it's all mental game if let's say you are not financially stable uh at the moment and you're you're planning to just uh throw or or just put all your money in to to earn then then uh is not going to be is is basically the same as gambling lah if you were to do that


so so ya that's my take on question number one lah,


, uh, interest mean uh


to so so you're you are saying uh put your money in in a broker or put put your money in someone who does in uh what you call that trading to to get the money for you lah is it, like, I mean uh pros and cons ah the the pros is uh when you put it in a certain amount of money uh you'd know that they will try their best to to uh utilise it properly lah because they are so called the domain expert


ya the the the one that that's uh in the the financial industry they know what they're doing now lah uh provided they have a good what you call that track record lah, ya if you were to you were to pass your money to someone that is new or or a green horn then uh that wouldn't be beneficial lah uh might as might as well you learn and do it on your own so and and also there's the pros lah I mean


uh most likely you will get to earn your money and more uh but the cons is I would say definitely there will be uh much more fees involved, uh man hours and all that uh I'm sure they don't do it they don't do it for free


so a certain amount of your so called profit or what you earn uh from that trading or or investment you do with him will go to him lah or her, ya, so uh if let's say you do not have all the time in the world and you're planning to just, uh get some money out of it then ya lah


what do you think, , I would ya I would throw my money there uh to to someone to to uh help me invest and at the same time uh do my own homework and then uh see uh what other financial instrument I can utilise ah for myself


ya, yup yup what do you think,


, ya I I think we both have the same thought or views ah about this, okay, sounds good


ya I keep asking the question , what do I think about the recent market !wow!, uh, uh


uh, I hear it's been ah well people say it's uh what you call that when there's uh something that happen uh especially uh, a a, I don't know when was the last time a global pandemic happened ,


ya so so it's uh it becomes at both an opportunity and also uh comes at a loss for for people lah of course uh when when there when there is someone that loses money someone will gain from it lah , uh


I wouldn't say I'm the best person to to to, to share view about what I think about the market but I think this time round uh it's best to keep your money first lah,


at this present moment, yes, (mmhmm) (mmhmm)


yes, correct but but now now I think there's a lot of people that is panic selling that's why the the the market keep dropping and then and then suddenly people look at the market is also so people buy in so it's it's very volatile lah I feel


and I'm not in the position right now to to uh do something like that lah,


good question honestly now I do not have any proper investment fund or proper investment product


I'm just saving up my money most of the time is uh inside my savings, uh, the to the bank with the highest interest rate lah at the present moment ya, uh other than that I do buy and sell small stuff to to sell lah


so uh buy buy things for cheap uh in bulk and then uh sell things at a higher price ya so that's what I'm doing now lah other than that that's about it I I I know you have some investment uh plans along lah maybe you can share


okay (mmhmm)


cool uh do you use a demo account before you start uh trading, and have you tried demo account before


okay,


, do, ya I do buy !ugh! not at the time uh no no no time to to stretch to do things like that first


ya I have a lot of like ya quite busy now so uh what else what else


no lah no need to invest lah one million dollar just spend only go casino no I'm kidding, , uh one million dollar oh, that's one million dollar is amount of money uh


yup maybe invest at least seventy percent of the money uh most of it to uh what you call that I like to invest on something that I can see physically, ya so something physical for example properties yes if you want to say one million dollar in singapore it's not uh a big amount of money to invest in property


but uh if you look elsewhere uh places like indonesia or other third world country that is growing uh that's a lot of money to to invest uh in in uh properties so for one million dollar maybe you can get two uh three sets of properties


ya make it nice and then ya lah uh do rental or do Airbnb even, then at least , sorry


ya that's a safe safe way to to start investing in properties lah , industry ya uh people always talk about the technology uh industry


uh, uh ya the fintech and now that, uh, uh I think it's a good place to invest ah, but other than that I do not have any uh not that I can think of now lah most of it is focused on property


, (mmhmm) (mmhmm), what the US market


health care , yup, ya yes just waiting for the first uh


uh what you call that uh the the first company to come up with a COVID cure , ya so I think a lot of people are betting on that not not say betting a lot people are putting their money there lah to to the companies that is racing to get a cure


ya so so so if you put your money at the right place or at the right company if they were to get the cure out than !woo! boom charlie, , okay that


I just want my CPF money back , , no lah I mean uh if they were to be more


uh, transparent in what they do with the money, then ya because uh them setting a limit for us to take out or them setting an age limit for us to take out our money is I think it's not fair lah I mean I mean I understand that CPF do uh provide a high uh interest


uh if you were to keep your our money inside but at the same time at least uh I I feel that they should be more transparent for us to trust them lah , and of course we heard a lot of we heard lah news of of them not not utilising it well or or I don't know ya so I'm not going to comment much ah about this ya but I wouldn't for now


ya ya would you


can can can yup ya


yay yay alright, ya should sorry, do I trust financial advisor


, short answer yes long answer no, yes because financial ya lah of course I need to have a certain trust in them because they in in the industry but at the same time that is their bread and butter


, from from my experience uh meeting some of them some of them might oversell you, , yes, yes to to earn the commission and all that


(mmhmm)


ya lah of course there's always bad apples uh uh bad apples at any industry you go lah, okay, !wah!


uh how many how many questions we covered just now six, five K lah not too bad lah, I need to tap my phone okay,


!yay! five


okay oh !wow! uh


some of the most hurtful words someone said to me !woo!, uh, uh (hmm), the okay this happened in secondary school uh so apparently my teacher expected a lot from me and then


uh ya lah towards the mid year of uh my O-level year, , my my form teacher blasted out because I was I was uh sleeping in the class, uh she said continue on like this and you will never achieve anything in life


well uh to be quite honest it's it's true lah what she said but at that point of time ya uh you you realise that you didn't had the motivation to to really study or you were caught up with something else lah


ya, and then after that it kept uh that the word she said uh kept remind uh reminded uh reminding me, and then ya lah uh it changed me lah, , that was very hurtful


ya that kind of woke me up lah okay yourself


(mmhmm) okay


(mmhmm) (mmhmm), (mmhmm), (mmhmm)


(mmhmm) (mmhmm)


okay so so that's something that you wish to forget lah,


(mmhmm) (mmhmm), well uh that person is insignificant to you right now so


, okay uh next question what do you often worry about


(hmm) what makes me stress, , actually everything lah make me stressed, but , the moment that I realised that I cannot provide, uh that will that will


uh, ya that will increase uh make me make me ya lah uh that will stress me out lah especially ya uh cannot provide in terms of uh shelter money whatever, ya because I'm the oldest in the family and it feels like it's my job uh to to ensure that all my uh family parents especially to have enough


ya enough also is also subjective but living in singapore ya there the the cost of living is very high, then yup that will eventually stress me out also lah cause you have to continue to work to provide


, improve and increase and improve yup, ya, never ending, (mmhmm) (mmhmm) (mmhmm)


saddest moment of your life !wah! saddest moment ah ah I think it was when I lost my uh paternal grandmother


that was in primary five or primary no no that was in sec, two, I ya don't quite remember when lah but but at that point of time uh ya they if they're my mind right now is is, I try to to erase the memory lah the of what happened


ya because she she was uh ya she played a huge part of my life uh especially when when I was young uh so every weekend I will take a bus down to her place, and then I would sleep over uh for two days uh from friday to sunday and then uh Yalah she she would pamper me a lot lah uh she would teach me a lot of things uh bring me out and then uh pamper me with with a lot of things that my parents uh cannot afford lah


ya so uh a lot of uh my time spent with her and then suddenly one day you just uh realised she's gone, ya so, that was actually I feel like it was the saddest moment lah what was yours


(mmhmm)


so you felt like he he's not like what he used to be lah after the stroke


okay eh, gently tap my phone, okay what else uh what other question, okay uh sorry


describe a time now lah, uh, uh ya everything you do isn't good enough uh everything I do is not good enough lah I have this constant thinking that I have to catch up


because of my age and some of my peers already uh, so called lah achieving in life ah uh getting the job that they want earning the money that uh they've always dream of uh driving the


cars that ya lah but to think of it again uh I think I grew up very handicapped uh the fact that they have uh their parents to support them uh to to give them the necessary uh


, what you call that to to fund them the necessary things for them uh in order to succeed lah in that sense tuition uh and all that ya, so yup


uh especially now at this age where you want to just uh, uh, uh get the money ah and and ya and provide for everyone ya so now is the time lah where where I feel that nothing I do is good enough


, , , ya a lot of plans


the test , (mmhmm)


(mmhmm) (mmhmm) Yalah to do it


but but you went through it ah


(mmhmm), (mmhmm)


is this also your biggest regret , (mmhmm)


describe the saddest scene that I've ever witnessed !wow! uh actually a lot ah, a lot a lot lot, a lot uh, a lot of life and death situation also especially during my time uh as uh serving in the ambulance


uh, saddest ah okay I can share one lah , you receive a uh I receive a call in the morning to attend to a heart attack, uh, uh so we went over uh the the whole family was already crying ah uh wailing and all that and then uh this this a deceased person was uh on the floor uh very awkward position so not not really on the floor so he was in between


uh his body was half on the bed and half on the floor, the family did not know what to do with it, ya so we have to ya we had to uh bring him down uh uh straighten him up then uh do CPR lah but when we were doing it we realised that he was already gone because uh he was already very what you call that


uh, uh what, we we call it we call it rigor which means that uh very tight lah, ya so so we know that uh he was already gone but we still had to continue doing it to to show the family that we are trying lah


ya so after after a few cycles of CPR the paramedic uh had to uh tell the family that that the ya the said person is gone, so it was uh very sad uh the fact that they were they were at a loss uh don't know what to do and then they they were too shocked to even move the the the deceased lah ya so I I couldn't imagine


that ya happening, uh, uh well uh realise that life is very fragile, and that you should take any opportunities that come to you worrying so much won't change uh the trajectory of where you're going uh so just do your best and leave the worries aside lah


ya if you have planned for it uh you have uh looked at all the possible solution then you go for it then don't don't worry too much ah because worrying would just uh create a negative atmosphere


ya for you and and ya lah it won't help lah psychologically it won't help, ya so ya lah uh what about yourself


okay uh, describe a moment when things turn out better than you expected


okay the describe a moment when things turn out better ah ya when I, uh when I first uh okay so I think it was four years ago twenty sixteen, ya when I first


what do you call that, uh, change job, ya ya, so uh when I first when I left my previous job it was quite hectic actually, because number one uh I had to move out from my the place that I rented and then back to my parents


ya so I thought the all the freedom that I had previously uh suddenly uh ya lah uh when you are back with your parents there are certain things that you cannot uh what you call that do or enjoy lah the the freedom


ya then after that I got a job, (ppc), uh and then became in that sense it became better lah I thought I thought I was going to suffer, ya ya ya ya, uh because it's a whole new different uh like uh what you call that different environment


and then sorry, how did it turn out better I get more close I get closer to my parents and then uh, uh, I get to understand a lot more things ah uh that that happened previously


and then also uh the fact that I got to meet someone, ya that kind of change, uh, me and also how I look uh my perspective of life just change lah, okay


no if ya you just move on lah different question


ah uh, what did you used to hate as a kid but now love as an adult, to to, in mind what do I hate as a kid but now love as an adult (hmm) oh I hate sleeping


when I was a kid at ya I love to go out I'm always be out there don't even sleep at night uh hang out with friends uh do things, but now as an adult lah uh you get very tired easily especially after work ya it just it just drains it just drains you out uh and then all you want to do is just lie in bed and ya sleep


, yup and to rest to sleep ya, (mmhmm) (mmhmm) (mmhmm)


so so when you are a kid you hate staying at home ah right like you want to go out, (mmhmm) (mmhmm) (mmhmm), okay uh shoot me a question


what do I love most ah I'm not that narcissistic what do I love most about myself good question eh uh


uh, uh okay I like the fact that I can , ya good question okay I I like the fact that I like I I can blend in with people or with places uh


uh, easily ya uh so I always like to think myself uh like a chameleon, ya where you can where you can just adapt and and just change to any colour uh the environment at ease lah so that's what I think I love most about myself what about you


(mmhmm) (mmhmm) (mmhmm) understand so you're not I would say not not reactive lah, okay okay next


what am I thankful for of a lot of things actually for one uh thankful to be alive uh thankful to have uh all of my senses still intact my hearing my uh sense of touch my sense of smell and everything else


uh thankful for all the opportunities that was given to me uh and also thankful for the missed opportunities ya I wouldn't be, what I am without uh the the missed opportunities or the opportunities lah


uh, and then also ya lah very thankful for uh living in singapore although uh the stress is real, although the stress is real but ya we don't have to worry about what you call that natural disasters and don't have to worry about uh gun control yup don't have to worry about all those uh nasty stuff uh


uh ya nasty crazier stuff that we cannot control lah, yup what about you, (mmhmm)


(mmhmm) (mmhmm), (mmhmm)


(mmhmm) (mmhmm) (mmhmm)


(mmhmm) (mmhmm) yup yup I agree (mmhmm) ya okay sorry


who in my life do I look up to most eh actually a lot of people lah at different stages of my life, ya


ya I mean you can can start of my family lah uh my parents uh how they what you call that uh raise me and my sisters up, that's one and then comes uh the mentors that were with me when I was younger


and, and it made me who I am now or even at this point also this they're still advising me on on a path that I should go or path that I should avoid lah, ya then


my my brother from another mother yup yup and that that is a one of my the key figure in my life lah although our what you call that , uh the way we think about life is different now


uh it's not it's not as aligned as it was back then but he is still a very good, uh, companion or someone that that I uh seek advice from lah, definitely, ya


other than that, , the teachers lah who have taught me so far, , ya who in your life do you look up to


(mmhmm)


the the


, the pessimists ah,


okay nice okay, uh, describe one of your most memorable travel experiences


(mmhmm) (mmhmm)


!oo! blue mountains okay , okay


(uh huh) cliff no (mmhmm)


you see the sea, (mmhmm) crashing, yup , the never ending never ending vast view lah


(mmhmm), you went with your what uni friend or what, oh steph, okay, (mmhmm)


ah, okay, (mmhmm)


hello, (mmhmm), ya lah wait for the COVID uh, , to end lah


uh, well I can shock you ah there's a lot of experience actually travelling experience I've been travelling, uh, uh started to travel when I was seventeen, ya, uh, uh a lot of uh memorable experience uh but what I would say is when I went for my advanced diving course


ya ya advanced diving course I I did it in Lombok or or or in Gili islands ah it's an island off Lombok so uh in the advanced diving course you have to fulfill, a night diving section ya or night diving module lah where you have to dive at night so basically they will give you a


a, very strong torch uh torchlight, so the sea at night ya lah you know it'll be very dark so you'll be going you went you uh there's only six of us so we were all paired up uh with the dive master so we had to went uh we had to go into the beach uh we had to dive uh via the beach entrance lah means you have to walk in


uh, uh to the deeper end so what happened was uh was okay for about five minutes and then suddenly as we go go as we went, deeper uh the the, the wave no not not I would say not not wave lah the current started to get stronger


uh so everyone else we I was at the back myself and my partner was at the back of the group uh everyone else was struggling to catch up to uh with the dive master because of the current the current was pushing us away, ya then we realised that we didn't had the time or we didn't had the energy to to reach to our dive master so what happened was uh most of us got washed away


uh so we we are we we we got uh separated, and then imagine uh uh being at least ten meters down in the sea, ya ten metres underwater with no light uh the only light you have is the torchlight and the torch light is just one straight uh stroke one light and you barely can see anything so you started to panic you started to panic you started to breathe heavily and then you realised that your air is running out


ya ya, ya so instincts just kicked in uh you have to uh what you call that uh go up lah surface so I tried to surface but it was very tough, because of the current and then when I finally went up to the surface I was at least uh


ten minutes far uh further or far away from where uh we first uh dived in, ya so so everyone was everywhere, and it was ya it was very scary ah ya so and then and then that the air the tank that that that was left in the the the air that was left in the tank was uh I think I have about like what twenty bus or thirty bus which means about uh probably about two minutes left of air


ah so it was crazy ya sorry, ya thankfully everyone was safe uh just that one of the guy uh experienced a certain uh decompression sickness lah minor ya because he he panicked the most uh and then he he went up straight to to the surface which you're not supposed to lah ya


ya so that was that was scary but uh most memorable lah you you realise uh how vast the ocean is uh and how mother nature can just with a snap of a finger take your life away ah realise how vulnerable you are


ya so so it was , sorry you been wanting to do diving yup yup yup yup


actually, ya actually actually it's a good uh, uh, uh leisure activity to do lah ya minus ya of course of course in everything you do you you experience some uh negative experience ah but overall ya it was quite memorable especially with the sea creatures that you see and come across ya


(huh), most interesting never mind time out already


part one financial related topic


uh K so is to discuss about whether we have credit or debit card right, do you have any jasmine


same here yeah I have debit and a uh credit card


uh, as a supp card lah credit card so I actually refrain from using my credit card for, quite a while now so I only use debit card so to prevent running into debts


Maybank okay


I seldom I seldom actually , you know follow like cashback and all these because it's like all very small amount unless, you are a big spender like you buy air tickets and all these so I think the cashback would amount to quite a lot right because otherwise it's like very


very uh #ikan bilis# so I never really keep track, uh, really


like in a month or what, in a month ah


oh, exactly it's like they encourage you to spend right


ya lor , oh you link to that lah okay


, yeah same here


that's right what about uh okay if let's say, I think for yeah travellers like those AMEX I think I think so I'm not very sure though


ya ya like it ya crease, yeah like those SIA KrisFlyer all those things right very Chim ah


spending right everytime


so cashback more practical right


okay, I see I'm using the, , the Sheng Siong one Sheng Siong card also like you every time yeah automatically they give you uh diners yeah, they give you five percent or ten percent rebate every time something like that lah


what about your experience of purchasing insurance products from banks, do you use uh yeah do you purchase insurance products from banks I also never it because in the first place we seldom go bank right I mean you using do online


I know they used to promote over the counter when you are there yeah yeah then they have the flyers, it's like all over the counter those kind of thing then if you are there physically probably they promote to you lor but nowadays we only do internet banking all these why would why think of purchasing insurance product from bank


ya lor, yeah I think they they collaborate with them


yeah I mean if you want to buy insurance plan you wouldn't think of go to bank and purchase right I mean for me lah yeah, yeah you will just like maybe approach your agent or whatever lor, right one ya lor correct then number four do you have savings account


, yeah, ya lor the the the singapore bank


our singapore bank right share your experience and details, if not why you choose not to put your money in a bank , yeah yeah


same here, so yeah so I'm using the DBS one I think there is this thingy where you can transfer your, uh fixed amount of money every month to your other account so that one is your savings [orh] something like that


yes online and , exactly so even like you know in our job right sometimes we need to uh verify our uh, staff bank details and all these so we used to say uh can you send me your bank book with the bank name and the


account to verify that that account belongs to you lah then they will usually reply oh I don't have bank book or don't even have bank card, yeah so is quite is quite a challenge so they, can only uh we have to learn to teach them how to like log in to the app and then try to find a page whereby it shows the name and account number lor


yeah because you know there are cases that people actually provide their own account number but wrongly, no the account number is wrong they ever, yeah give one number less or whatever


!wah! your own account number also give wrongly so we need to verify for them mah, exactly we have cases but then it float somewhere in the account so my boss has to go and contact the bank to recover this amount and so on then the candidate say how come we never receive salary


yeah it happens and you know , , yeah correct so but then you know it's between two banks, so uh !wah!


it took quite a while for my boss to actually uh you know handle this, yeah but then both bank will say oh not their fault the company's , so we really don't know where the money goes to


so we have to verify lor but then of course now


when they turn twenty one years old it belongs to them, but I don't know how it goes but our card also it doesn't show account number do they, no right ya lor just card number so how to verify it is just for you to go and withdraw money that's all


so they don't show account number mah , , ya lor only way to to check with the bank only, !hais!


number five ah


never consider lor, it's like you lock in your money but then the interest rate is also not very attractive what's the point


yeah, so I think if putting my money in the bank is just more for, uh it is just a place to put your money lor but you never think of uh using


it to grow your money so I never consider fixed deposit so far, is it which one which one oh okay so but then did you sign up for that


but what what is the the tenure ah, but I think is like maybe two years three years


is like waste time ah , , , yeah true, so talking about investment what is your experience of purchasing investment product


oh I think, I never tap my phone the screen went off so I think it stopped at, ten minutes, she never remind me to tap our phone also I also forgot yours eh


oh, okay so just leave it ah , yeah she say is not yeah went out there now is not recording already lor no because the screen black off


uh ya ya ya that's true, oh yeah , okay I okay, some may argue that bank's interest rate are unattractive whereas others may feel that their money is safe and accessible in banks in light of this would you save your money in a bank or invest it elsewhere


yeah I think for bank for me is uh just a place to , uh put the money and be accessible, you know like withdraw and then do transactions yeah that's it yeah then to invest it would


be mostly elsewhere lor insurance other products and all,


, yeah and I think probably is is like kind of a culture ah all this while


it's like people just use bank for uh you know, for salary for whatever to access your money but you won't, think of growing your money in the bank [orh], I don't know to me lah I feel lah it's like a culture in singapore yeah so when you want to grow your money you think about insurance investments other things right


ya lah true that's insurance,


ya lah that is for insurance part lah but investment part is different mah


like you have savings plan all these things lah more for long term at least they still give better interest than bank


, okay then I think,


loans so share the details yeah your car leh car loan eh


ya lah, oh


K that's good for me for me is yeah we use bank loan for house also because it's our second second home mah so we don't qualify for the HDB loan so we use, a uh bank loan for the home lucky that time I think the interest rate still quite manageable and then


from our CPF also because like what you say lah we, sold off our first house then uh, from the CPF and all these we also clear our home loans ah so now my house is fully, paid yeah


no more home loan at least at least lucky lah because at this point in time like the COVID nineteen all right then if let's say for example if you lose your job then you might be worried about your home loan mah at least is yeah at least it's settle, yeah


at least your CPF still have then even like excess lah still can cover for rainy days then not so bad


correct but then work is but work sometime so unpredictable mah , , yeah oh


last night I have nightmare also , , uh I don't know it's like uh you know my boss lah very uh , very particular this and that so the summary is like something like , like oh no my job is going to be redundant


that kind of thing , nightmare nightmare , do you think joint account lah uh do you have


ya ya lor correct


yeah usually when you uh get married and all these then need you start a family together you will start to have this account lor, ya, then at what age should a child be given a ATM card to manage their own bank account !wah! you got three what do you think


eleven


ya, yeah I think my girl also started to have her own uh account and uh ATM card in sec four lor around sec four, uh uh so still quite okay


now everything mummy mah mummy daddy I want to buy this I want buy that , ,


yeah true too young lah now kids they take some time to, okay


part three negative experiences, okay


recall a situation where you were forced to change your plans against your will, do you have something like that


recall your plans or a moment when you feel like the world is against you


(hmm), at times lah I think, it's quite normal sometimes like, maybe you are , like I quarrel with my husband then after that like my daughter !wah!


you know do certain things that get on my nerves that kind of, things maybe lor you feel,


!wow!


oh I feel so helpless


yeah I think uh especially , like with like I see friends with uh like more than one kids and all these right sometimes they feel so overwhelmed, and all the kids are small then, the because you all are still young mah like in your thirties and all this so that's why a lot of things still going on


(ppc), ya now is now is pass the phase already right they are all grown up yeah


yeah that's good true true


for me probably is like I mean uh of course the happiest moment is uh when I uh had my girl then I try to conceive again but not successful lor so that's why I only end up with one


ya, yeah but then she will complain lah !aiya! I want a siblings this and that, and !hais!


at that time lah is consider late yeah


yeah so describe a time when you are heartbroken, or describe a time when you were looked down by your friend or relative or you felt betrayed have ah


oh no,


okay ya, heartbroken ah K lah not really, uh maybe like sometime last year lor then I saw a message then I know my husband got keep in touch with uh schoolmates all this thing then I see why this girl send send her good morning send him good morning message then got love one the you know the kind of thing


!wah! cannot Tahan already then we quarrel very it was quite a serious, fight ah at that time yeah, !huh! until midnight lor then woke my daughter up also then she also cry [orh]


yeah then I because then I told him like how would you feel if it's the the other way round mah correct or not it's not that I don't trust you I say I don't trust that woman, yeah ha it means if she knows then why would she you know send this kind of message if I send this kind of message to another guy


you okay right you okay ha then I do it ah !walao!, !hais! so, just like ya that was last year , uh it's not that I purposely check his phone but it's just accidentally see uh


, oh no


, , ya lor ya lor good ya eh


oh that's nice,


that's nice that's nice, but it takes two hands to clap mah takes two hands to clap for me I'm the one that I always want to talk but then he always keep quiet, so end up we always cold war lor then when I really really go and drill why why you don't want to you know voice out then he will just say uh I cannot overtalk you


yeah I also !wah!


yeah but the but the worst is he will always not be the one to cheer you up one even if he do wrong yeah he will not be the one to, go and coax you eh dear don't be angry or try to do things up to cheer you up , he is not like that one hor, I must wait until next life I think


so no ah I always tell my friend like I always playing the role of a guy leh even if I wrong I still need to go and uh coax him and then cheer him up if if not how you want to go on cold war stop talking to each other for one whole week one whole month meh cannot be what


ya then he can just keep it going one !wah! cannot Tahan, that's why I say uh luckily right this COVID nineteen is I'm work from home but he's still out if both of us at home ah


worse yeah , yeah that's why worse so if you are going to die tomorrow what are your last words to your loved ones


, or describe a time when you felt like giving up or what are the injustice of the world that made you angry, uh what about your most embarrassing moment


eh I have leh many many years ago leh, many many many, three years ago in my twenties I was going to work and I had a really bad tummy ache until I was rushing to the office already but end up I still cannot hold it


yeah I got I I really end up I poo in my pants really really but I think of, course lah I means not so public but only I myself know but is !wah! that is really the most embarrassing moment !wah!, !oho!


must already come, oh ya lor ya lor that's true


!wah! very picky that's worse , uh !hais!, yeah used to for hygiene ah purposes right uh now worse yes yes yeah have to be careful [orh] you know


so many so many moments , uh, you like always ya my husband also lah


okay just recently right because I never cook I don't know what to cook, run out of ideas so I was telling my girl eh uh let's Tapao back ah I feel I'm craving for sushi so we Tapao from the sushi express then because he is a big eater you see so after that then I I just buy lor like whatever I think he can


don't mind having it you know uh and then it's at least quite filling like the wraps and all these so I just bought I bought quite, I bought quite a lot lah then even my daughter say eh eh why you bought so much then I say baby daddy is a big eater lah later not enough for him some more I never cook mah so but then still need to make sure he is fed mah


then after that turn out he came and say why you buy so much you very rich ah, #wah piang# eh boiling man , angry right it's like you're not being appreciated and then you !wah! Kena this kind of sarcastic remark


of course what yeah


oh


yeah is all food for you all what the for the whole family right yeah


ya lah !aiyo! that's why


very common


, ya lah then food drop from the sky ah !huh!, !haiyo!, exactly same here few days ago also I cook that one because my daughter likes lah okay it's my daughter's favourite food so I cook then my husband this one again then I purposely keep quiet don't want to answer him


, this one want to nag what until, uh want to eat don't want to eat then , ,


ya lor very hard to please [orh] ya lor some more is like you know we got to work also then got to Jaga the family and then they only know how to complain, same [orh] asian men !hais! same


fair mah at least at least,


really ah oh !huh! auto cooking


how much again uh no then I rather Tapao Grabfood , oh !wah!, eh ya ya actually Grabfood very expensive then I do a comparison then


I was like !huh! Grabfood, then if I go there and buy eh is half the price eh


yeah but some they don't have online mah they uh they only uh collaborate with Grab so I'm thinking eh usually I go there and Tapao ah is only how much only ten dollars so now if I order grab ah almost twenty dollar leh !wah! really #bo hua# you know not worth it


for Grab ah actually I I seldom use I usually refrain I rather like maybe I make a trip downstairs, because for my side is quite convenient so I just go my opposite the food court to Tapao food all this lor


oh yeah yeah that's true, uh what keeps you awake tonight


what dreams of yours die a little with, each passing day uh for me ah is my dream to be a (ppc) professional singer , !aiya!, !huh! die every day ah now each day getting older already how to do that


(ppl)


part two positive experiences


this work from home lor you know uh before before it actually started right uh I actually hurt my back


somewhere in march late march so I couldn't sit for long I actually slip slip and fall on my tailbone so I cannot sit for long so then that time my boss was, like he already toying with the idea to work from home because the COVID nineteen situation is getting more serious so he was just saying blah blah blah actually can work from home things like that


so at that time uh I was like, uh we he was prepared to experience it already uh try it out so then I was telling uh okay so anyway for this week I finish this blah blah blah uh, for the rest of the week can I work from home because I can't sit for long also you know things like that


so he say okay no problem uh and then after that next week right the the circuit breaker started , early april so I actually so our work from home actually started before the official CB !wah! so now is like a few months already and then now with the office uh not ready yet another two months at home so this year I think half a year I work from home


you know lah for our line is very versatile mah you just need a computer handphone contactable can already


oh okay some more from boys ah , ya, that's nice for me also just nice my my daughter also uh home based learning starting her new uh poly year


so because I have a study area so she used to be uh here also so we just say oh we, we are like colleagues lor so we treat each other , and we imagine this is the workplace so we are like colleagues and stuff like that you know both of us on a computer and then later like twelve o'clock one o'clock will be lunchtime you know we go find some things to eat for our lunch and stuff like that


yeah but now because we have our meetings she has her meetings also so she has to do in her room , yeah so now she's like uh those teenagers lah most of the time will be in the room lor because you know she doing her Zoom mah and then I doing the Zoom we cannot be doing together at the same time ya


!wah! , okay, what about , ya lor ever told you your boy leh what's the nicest thing they have ever told you


ya is good you know especially for boys ah and then they can be so verbal because some boys they grow up they would don't want to say like uh I love you that kind of thing right they find it very cheesy right not bad leh your boys, you all continue lah the family culture you can yeah keep it going


eh for my, for my girl ah this year uh chinese new year was quite surprise for me she actually give us Angpao


ya she she's nineteen lah she's nineteen years yes so uh last year she started her internship and all this so she she just sat me and my husband down is like uh sit down sit down then she gave us Angpao and you know like in her appreciative ways lor !wah! so touching


!wah!


uh oh , ya you all his idol ah , , eh oh yeah I saw that I saw that ya ya ya eh so cute you send him for classes, oh oh


nice what then he can work in what animation kind of thing, yeah that's right just let him explore uh support him lor


okay that's nice so describe one of, your most uh memorable travel experiences,


yeah uh, that's nice !aiya! actually for me also actually my family, we hardly travel also because my of my husband's uh working schedule and all uh yeah so he always you know !aiya! very busy and stuff like that then he is also not really keen in travelling lah not like some family they have yearly trip right so we also we also don't really have


so actually I think my memorable one ah would be not my honeymoon, because we don't we didn't even go for honeymoon but my first trip uh can I say first trip with him lah ah is after giving birth so I tell my friend that is my reward lor


, after give birth then we have like uh went uh for a trip to australia that kind of thing , uh ya and then that was the first time I see snow and all this lah so it's nice lah , ,


I say yeah I don't have honeymoon only after give birth produce result already then got reward ,


uh, okay, uh, uh now ya all closed hor, ya lor ya lor, we we can't really go


how many times you all go few times ah, two times and they like it lah, uh okay that's good that's good, , ya he's always like that eh


eh high five man same here, , for me is more of uh when I was younger for now because I put on weight and all this thing right now my daughter gets it all the time he said are you mix ah


my daughter from young until now nineteen years old all her teacher all her classmate always ask her are you mix uh for me I got it when I was in my twenties usually, ya ya I know him, you look


, eh


thai yeah


oh okay


she think that you're malay, !aiyo! so what are you thankful for, in your life


I'm thankful for uh you know even like right now with the scary pandemic and all my whole family is safe, and healthy ya, that's that's most I am ya, , and we still have a job and so far


everything is fine yeah, thankful for that lor ya lor, correct eh you know ah actually I uh I was before that I was like uh follow my mom and all this I was a buddhist so I actually am now a christian


like joan since uh late twenty eighteen, , ya , no my sister my my sister is also a christian ah so


yeah that's right so what do you used to hate as a kid, but now love as an adult


you mean now you love ah as an adult,


ya lah of course for me, for me nothing leh I think it's the other way round I think I yeah especially before a wedding I I mean at least I can still maintain a good figure lah now is like !huh! very difficult to get back into shape


, (uh huh) really I need eh , you know especially now work from home worse I put on, weight , uh okay okay must share with me must share with me ,


okay, cannot think of anything leh hor nothing so far nothing special [orh] what is your biggest blessing in disguise ah


no blessing in disguise means like uh maybe at first something bad happen but it turned out to be good, uh, are you sure


yes third life turns out to be good lah ah, you naughty lah you never pay attention


, oh no need lah no need lah now is quite common I also don't have straight As one ah


, a'ah, oh okay


that's good that's good, ya lah you never know what yeah, , better than no broom ah ,


okay I what is the comfort food that you can always rely on to cheer you up,


walk pass ya but now is in uh town area lor, town area, ya lor that's why now still can only find in town area for me ah !aiyo! I like tidbits and all


uh chips lor that's why !aiyo! especially because I like to watch movie so when I watching movie then you will need to binge lor


uh a lot of them, a lot of them !hanna! which brand you you you usually like


comfort food ah actually, yeah comfort food not really leh but comfort activity lah, mahjong mahjong , !aiyo! wasted


okay let's see what is next uh what do you love most about yourself, uh ya lor hor is a good question


I guess is my for me I guess is my , inborn talent in singing this is something I'm really proud of myself, ya, you don't know right


I I don't I don't know whether you know I used to represent singapore to taiwan for competition for teresa Teng songs , that was before uh my wedding and then after that I was singing part time in pubs


and lounges yeah, uh , so many cafe which one


oh chinese is it chinese songs ah, oh the singing outlet


oh


oh okay next time we should go karaoke together, where worse ah you know Teo Heng recently Teo Heng is closing down


, through economical some more right you just bring your own drinks


I don't I don't know leh actually I don't really go karaokes one yeah , because you need to have Kaki to go what, uh okay now ya lah I really miss performing


(um) but have a very good experience [lah] do recordings in the studio and all this thing, really nice right that very fun feeling yeah


part one financial related topic


yes so, I have debit card and, credit card, so currently I think I, have a, I round down to three ah so I


to prevent myself from spending too much


eh debit card is a good thing because you can actually monitor your, uh, amount inside your bank then but credit, card is one thing that why I'm using is because they have rebates rewards so it's like


for example I'm using my Maybank uh, more often because they got cash rebate, eh up to eight percent [orh] which is a quite big amount ya mah no leh actually hor


#ikan bilis# eh initially I thought so lor, but after, I I you accumulate like groceries your uh, online shopping, eh uh it does help you know it uh I think I have a cashback


of more than ten dollars you know even though my spending is not much you know, , ya so I think I'm pretty okay with that just because uh I try to focus on one card ya I don't want to have so many cards you know I think that some other cards are


they expect you to have a minimum amount to spend , in one year so where got people so spend so much one ah lah some of them lah then, or else you get the Citibank that one the SMRT


the SMRT one if you are often taking, by, train eh that one is also good you know, , must calculate properly, but because now I'm doing part time mah I cannot get, uh uh oh


got card already what so this is the card which I I had it when I was doing my, full time in, banking so now part time you know lah


cashback ah points or miles ah miles, are but more like, what miles, you only use to travel travellers ah no lah not coming AMEX ah so good you buy uh yeah no lah if you don't Krisflyer uh because


cashback I think it's more on the practical side you have a, uh, direct deduct amount from, uh, uh your your spending every month points is like unless you want to redeem things ah so because I already cut down to my reward so called rewards card because uh nothing to redeem yeah I think they only limited unless you want a twenty dollars forty dollars


uh, I find that cashback is better practice, go lah even my hubby also go and oh apply once for StanChart he say !wah!


eh good leh can consider can consider, Sheng Siong the BOC ha


can we skip that one that one I really don't know how to, ya lah bank to us, uh ya lah unless you


true enough because I think we have a direct insurance already what so, usually bank is like they are, around they cooperate ah collaborate with them, with with them so more or less lah but I think hardly go to bank also leh now


, honestly you call me also I don't want already unless true enough or you source [orh]


oh ya definitely must have, no saving how to how to save, I mean it's a must [orh] when we were young since then, I think our parents actually, the only bank is POSB, , my our our old time


, , no I will no I'm not I will still put inside the bank no lah, because I uh, I I spend a lot lah so I need to control my uh


amount, I I think ladies are, one kind whatever same here right


uh, ya lah ya lah uh eh because now is all online ah banking all online so you can no need to run to ATM so you just do your online transfer ah the, like that then you just , you can monitor lah like all the kids one even though my children one they had the e-account they don't have a physical one [orh] they have an e-account so


uh I think it's a good thing because once, the, name ah when I log in ah, I can, run through everything on the like or or whatever is summary, but they don't have a physical card you know one thing


oh true [orh] true [orh] now they don't have


because once your uh not uh, bank account is wrong salary cannot credit, uh be credited


the other party willing to, so it's like it's better, I see I see true lah so I think it's better to hold one ATM card right rather than like or rather decide


if let's say if uh my children next time grow up, I don't know whether, this e-saving does do they actually have


no, it's just a card not, oh ya ya ya true so how don't know need to check with the bank [orh]


okay so okay, skip okay okay this one saving account we have too much to talk already , K number five will be which one do you have high yield, bank account or fixed deposit eh no leh I don't actually I don't have fixed deposit because the interest rate


compared to long long time back years I think is relatively low


but I think there's one time the fixed deposit is still not bad then every year also got free


gift Hong Leong Hong Leong , no lah don't want I don't lock my money, cause I already limited spending enough, I don't want lah for what I rather


because of the interest rate ah, it doesn't catch me also I'm not interested


I rather invest on other thing, buy share lor share then of course you transfer your this uh


uh your money then through, through this EFT ah they have this function eh, so you actually like you have a, account then uh, then after that would be


from this your bank account you link up to your so called investment like uh POEM


okay just leave it never mind lah I think just went off only, !huh! not recording, never mind you still have the online, one right okay continue go next slide


ya like what I previously said lor, the interest rate is not attractive also, so if you are purely on saving of course you got no nowhere to put lah you are not like we are not like old grandmother what put our money inside the


container , the, that's it uh, true


so it's like I I mean for myself, no fixed deposit lah but probably is just normal savings account , there plus nothing


no lah I mean my investment will be other like, uh stocks, something you will see in return fast one


uh now for now for now


ya ya ya but insurance now also one kind, like long long term life long uh no leh actually I just uh dropped off one of my life insurance also, so it's like you expect me to


pay and pay and pay for until, and there's no is indefinite age you know some will let's say oh seventy five years old or some even say oh you pay twenty five years only but more is indefinitely you cannot see the uh numbers until you the day you die inside die stock


paid then I say for what I don't want they then tell me oh it's a, good coverage towards him no no no no no no no I won't because I don't want every year every month is like about forty plus but, to me is like I got no definite years to get my


money back because life ah one thing, investment I got tried once also that's purely on saving investment


because I force myself to save, then, after that I needed for my wedding that's it, all take out and that's why I don't want to invest uh because of the moment I invest [orh] all drop already I said I don't want don't want don't want I give up


experience a loan ah your loan ah car loan, home loan ya lor loan those ah home loan lor my, my car home uh my car that time uh


yes we do loans then apart from that we home loans then after that uh what we do is like because we sell our that HDB already we have some cash, then from there what we my mom advice is that okay you finish you you don't want to have so many loans on hand you just


finish your, loan for your car you just pay off but, pay off that time we will still charge you some interest lah, but, as at now the car is owned by us already we no need to pay loan [orh] , uh so we just focus


ya lor one, I mean at least something settle like our house home loan then my home loan is uh, because I think we we upgrade so, the loan is a big amount lah but, apart from there , the from the HDB side we can park here and there lor uh true


ya like, ya lah still work part means still can work still need to work one eh you cannot say hor sit at home one [orh], , so scared oh ya lor ya lor ya true true true my my company also retrenching so scared you know


!huh! you never what


think too much okay next one, joint account ah joint joint joint joint joint joint account joint account eh eh one one minute, have have have have must have everyone will contribute with we make up make sure we contribute to our joint account


so like this amount inside for spending big amount of things then and like uh housing or renovation let's say then this comes in so this is the thing we need to know that I think for is a good thing lah


my three boys hor, uh actually, honestly I have my first ATM card when I was twelve but I wouldn't give them now from the way they spent, no maybe until O level


or maybe sec sec three or sec four, I mean secondary school time , when they know the concept of money, oh sec four ha okay can then I learn from you sec four


here okay uh when they have the money concept first lah now they will just probably uh uh, big amount things, mummy mummy mummy okay lor mummy mummy , okay lor you give me good result can lah don't die ah but okay lah I know I don't care ah I will still manageable lah but you don't give me that oh this one other because when you get get hold of the card ah


that's it you


, part three negative experiences


recall a situation, situation ah


where you were forced to change your plans ah K suddenly like err no eh


actually but force you to change your plan ah


but uh your work doesn't seems to, to be smooth, then I think, uh yeah work uh yeah uh I think after my second one ah on there my mum say she don't want to help me to take care of uh she she she needs to go for her cataract so then she wants me to get one maid I say !huh! maid


then where the maid going to stay that time I'm still stay with my in-law what, that's why, she uh you uh my new house is just uh ready so uh, after that I think say , why don't you get a maid lah I say maid for what


because I don't want a so call that extra person to be in my home, then uh, I got to resign from my permanent job, from the bank uh then after that I what to do, I don't want a maid then I need to take care of my kids


then is like uh, you got nowhere here nor there, then my husband is taking his uh, uh degree then some more is a part time, in NUS so so he got to travel from one place to another place , uh from, west to east east to west I say


!huh! then got no time every morning I need to, bring the children here and there I say don't know, eh it's like, uh nobody is helping me lor suddenly, then want to collapse already yeah pay help to, although there are extra hands ah


comes in oh is another challenge already , , that time I already got one maid lah but the maid doesn't work out also, five six months she work I I send her home then from there I got no maid and I'm the only maid at home


uh uh people ask me ha you got three children ah how do you cope, I say like that lah I also don't know ya ya ya but so people see but, one thing ah people still see me , so call poor thing ah


oh drag three kids ah like so Cham like that I say what is there to, be poor thing I think for me is okay lah


I also complain to my mom also , , because I'm the only child at home also what , so I think I will get out uh, I think my mum had me when she was mid thirties, my dad had me when he was about, forty so it's like a late uh for a


for them is consider late already lah so I say why I don't have sibling why I don't have I'm so lonely I have everything I people will say oh you are the apple of your parents' eyes ah yes I am, but I got nothing is it are you lonely uh as time goes by no lah I learn


how to, uh make friends already, felt betrayed ah yes yes yes I think uh


a very good friend of mine, so not so betrayed lah but I think uh she, go and tell my mom that time I think secondary school she go and called my mum , jasmine got boyfriend in school you know then my mum was like


oh okay and my mum told me you see eh you got boyfriend ah that time uh yeah who tell you your friend lor, your very good friend from primary school also, since primary school until secondary school, I mean until now I think, no leh I don't really want to keep in touch with her also I mean it's not that I petty or what


because I think her character makes people, don't want to actually, uh get to know her more ah I think, from young lah her character is like that lah so I just , I felt betrayed that time lah but other than that


, uh


but it's good to actually uh, talk it out lah rather than you keep inside so sell ah lah, that time I also mah my husband was that oh is it eh why your message to, because it's a salesperson so I


think why your message uh to this party another girl is like uh so uh like you're, not flirting lah but eh why so sweet like that , because I think there's one customer will because my husband will


drive and then his speaker will be on ah, the whole uh, car can hear actually so this lady call hello, hi I say oh my god then my husband always say I will say eh your customer ah, uh ya ya ya my customer I say but she every time talk like that I was like oh so you must be doing something that makes her


talk to you like that lah I mean for my point of view I say , uh but I, already I told him that you refrain from, from talking to girls like uh so close or what, ya because some people might mistaken


the words behind lah like that lor like that , I think probably he catch lah , , because I'm not happy I will just tell him I say, I'm not happy, can you refrain from doing all this, I mean my mother in law always tell me


whatever unhappy things, tell it out speak it up don't keep inside I said uh ya lah uh I also never like to like bring my anger to bed , not happy I also so anger up will wake him up and talk to him one


, but I will melt definite get, (uh huh) true lah true lah (uh huh) !aiya! same lah my husband also lah never mind lah I mean talk to him mens [orh] need some time to because once uh you're both in uh anger ah there's no way to talk but probably one need party need to calm down first lor that's what I always do I also keep quiet lor oh uh no hor same same one [orh] never mind lah your hubby [orh] very good already lah then buy


!aiya! cook him something nice lah, , uh but now you all working in different place so it's okay lah


I also say you go office you don't stay at home , , oh


don't know leh suddenly ask me my own, most embarrassing moment ah uh oh tell me tell me that uh what what what uh, ah ah


!huh!, uh !aiyo! this one also have lah


I really sometimes, do also experienced that that's why I try not to eat so much in the morning when I before sending the kids to school I very, scared one [orh] the moment, I will run to toilet uh then one thing I got bad habit I don't like to use outside toilet


picky on toilet , my son also follow me the same I thought, poo at outside toilet mummy ya lah even now ha worse with the pandemic ah describe a moment when you felt that you are treated unfairly unfairly how unfair


so many, many, your poor husband


uh no lah actually not incident lah but I think he, blurt blurt out or something uh unintentionally , but I forget what what already ah, K I think uh forget what's the, message uh but I think it makes me uh something with cook also


then for the kids then for him because everyday I cook, so, sometime I just repeat, , the dishes you know monday to sunday monday to sunday, so sometime he will say eh


why the same thing then I think there was one remark that he, when he uh, uh, spat it out I think I think uh that day from then I say, drop, that words ah I pick on him uh now and then to reply him


I say I cook I wash I do marketing I mean marketing I do uh some time you will say uh, marketing you do how much ha but of course he give me a certain amount of money to for monthly expenses [orh]


but sometime, you know things not so ex, it's not cheap now you know then some more I need to go market to get the because now, circuit breaker over already so I can go to the market, if not I will just order online you know the, pot


by itself is so expensive already, (ugh) I say, he say !wah! you got so many things to order online everyday hear door bell ding dong ding dong ding dong ding, dong food for you all leh !wah! he say uh mummy


what did mummy order again ha, I say eh you all ah eat ha like those #dim sum# ah I order frozen one ah, three days two days you know all my boys are now all big eater including my old man ah, also eat big eater ah , !huh!


next moment fifty over dollars all gone [orh] during three days, then how much ah fifty over dollar !wah! so expensive ah but you all, all in your stomach but mummy never eat, then with all the vegetable come !wah! so expensive I say some are cheap some are not but due to


to the restriction of going out ah you, cannot do anything lah so, so my door bell [orh], will ring then my that intercom will, delivery ma'am , so day day out is all, is very common [orh] is I said I mean what you expect ya lah some time I say


can you be appreciative


eat ha if not mummy don't want to cook any more ah, okay lor threaten my son lor but some time I cook little bit because some now I'm on so call diet ah so I cook little bit but on the portion for him is, more then he will say ah so much ah you say I fat already still feed me so much I say


then , I say eh you very hard to please one leh, like emperor like that some time, ya lah !hais! I say please don't complain asian men ah okay lah for my husband some time


because sunday he cooks ah, weekend he cook for him is weekend he cook, then I'll just laze there , , I have for him mah because sunday saturday sunday he, will cook uh, the children will say I want noodle because


he knows how to cook you know I don't know how to cook noodle, eh my noodle become very soggy one [orh] nobody appreciate my noodle, , I tell my husband can you give me a thermomix, to to cook , there's one uh gadget ah very good one


it will spin itself leh eh auto cooking leh my friend bought leh but two thousand four eh, you throw in all the ingredient and then that's it , two thousand four


Grabfood cannot too expensive


the circuit breaker already spend two hundred over dollars just for Grab, one month three three weeks ah oh oh because my three kids at home I cannot bring them out that's why during that time uh now they are in school I'm free


!wow!, okay anything else to add on, we describe what keeps me awake ah my unfinished job [orh] ,


uh good lah ah okay what why not but now don't have


any competition already (ppl)


part two positive experiences


I have no idea


true enough this world, so do I now lor I'm also quite happy with working from home, so now hor I think uh, during the first month when it started right april I think with the three monkeys at home


I can't even do anything, I'm uh, uh we are like uh stock market ah in the morning, eight nine AM all the three because my two youngest one the older one ah is primary four and primary two so they have a home based learning so imagine my


laptop my two boys laptop on at the same time, do re mi stock market ah then plus I oversee my own stock then then I got meeting, then my youngest is five years old also got home based learning then must set at the time to Zoom


so I think I think, that one month ah they really train me to be, uh to be more uh positive I think, uh to be not so nagging, but very hard so I think, eh eh but after that you know after that ah during their for uh may school holiday ah we started to bake started to try out something because I think they see the home uh uh


uh this uh, six o'clock they have channel five they have some uh stay home cook, like that so they all mummy can you cook this mummy can you cook that, so I think this is something which I think uh I never expected from my children is a good experience I mean the three uh monkeys you imagine how but I eh some time


, suddenly I enjoy that very moment with them you know


even my children also mummy I got Zoom meeting you know please don't disturb, me okay lor , their Zoom is bigger than me so what's the nicest thing someone


all of my boy they every morning I love you mummy when he reach home I love you mummy okay that's the thing , , eh from there enough already everything ah like you have a hard day in work hard, day everything they are I think the moment ah I think they


uh, they do this to you ah I think is !wow!, wonderful, ya ya ya but now don't


now lah now lah now lah now they are, still young, I also hope that this will actually, because I think girls no need to say lah mummy it's always mummy but you know boys they say oh mummy you have a nice smell I say !wah! so smelly already you still !wah! nice smell


okay lah, but please don't be a mummy boy okay


so sweet I think girls are more sweet ah okay lah my boy sweet lah because he like to draw comics so he drew a


the whole family in comic ways uh he's with because he's in the art club so I think I said you got nothing to do just draw , so I think, he likes to draw me, I think I put inside Facebook ah , he draw mulan mulan he yeah he draw one [orh]


no no I never send him, but I think uh his CCA is art club so, probably I think from young he likes to draw, draw ah but my mother in law always say how come you always draw comic !huh!, never draw proper one yeah I say good good good good good


good , you go go go, he likes to see book uh see comics so he okay lah at home where the Didis [orh] got the, uh, exam assignment needs to draw #kor kor# can you help me to draw the #kor kor# will come


drawing for them , , honestly hor I haven't been travelling hor for ten years already you know haven't


ever since my boys ah , I think my memorable ah, my honeymoon lah to japan only lor that's it , , and that's it


ah true true, oh


, uh that's it, oh


!woo! okay okay but uh I think the recent one ah we my kids don't know why lah I think they are still young they like to go legoland I mean the latest one we go, is malaysia with a family trip like that we drive in that's it so now no legoland lor uh


is open but we cannot go in I mean the kids like lah even though is just nearby country and


you don't look meh


I from young already and then they will say !ee! !ee! you chinese ah I say then what, my name is chinese what my I my surname is chinese mah full name is chinese how do you want me to expect I'm not a chinese you got mix or not I say since when I'm I I usually answer answer them do I look like mixed mix what uh malay and filipino Wacao !wah! so Jialat ah


, or what I say, mine is like uh then I said even now that day I think parents teachers' session ah my son ah the teacher ah, the first thing asked me you know uh you want me to speak in english or chinese ha


I say why, because the form teacher is a uh chinese form teacher mah, I say [orh] no need also can speak chinese [orh] never mind is okay, oh okay ha, then after that [orh] along the conversation ah he said oh mummy your chinese very good you know did you learn pick up chinese when you are young I said no I'm all along a chinese she say


!huh! I say uh why leh oh, I thought you're malay you know person, !wah! the whole conversation for half an hour you know the teacher thought that [orh] I'm not a chinese you know !wah! she keep on apologising I say it's okay lah it's


normal , !wah! speechless that time , then what are you thankful


we must be thankful for ya, true true true this is what we I think, uh everyone will be thankful for at this moment ah


we must be thankful for all the, cannot take things


then your mum never say anything okay lah I mean it's up to individual lah, oh, so weird but we anyway thankful for the god


too dark lor so black lor, now because already hide in the room in the house for almost two three months already so I learned to accept that okay lor eh with my, because I got strong features ah my eyes are so big my eyelashes are so long I say might as well I go and enhance it ah make myself more beautiful on that


eh , but now old already ah !wah! so handsome you know I say #ba ba# you so handsome now


then I told my hubby I say why don't I make use of my uh this [orh] dark my features ah my sharp, features ah make it mine with myself whole day , I say but very EQ lah need to be very high EQ to do that lah


to make myself beautiful lor, !huh! ,


let me recommend you something later I talk I tell you something ya because I'm on that that program, no leh I opposite


K I try to use okay so what was the best, birthday present ah !huh! I don't have leh what ah this one of course lah I have my car and my house and my three naughty boy


and a lovely husband I think we are all disguised with that, my luck hasn't been very good one, I mean from uh young time lah my studies like that be bad at


but I think after that eh ding dong here ding dong there, then I said eh, my all my, you know my study it hasn't been I think I fail I retain, uh I mean I mean I'm not


those very educational people , , I eh I pay attention my notes very nice one you know okay very colorful but one thing ah, some people are born to to study some people they take a longer time to study for myself I think I need extra


time to study so I take longer, time [orh] so I say it's okay, lor but after that eh oh, after that I went to uh, ITE then I think I go poly, from, ITE to poly is a big jump, because I I think I never have


straight A's in my life for all my subjects, that's the one, ah that's one, in my ITE ah I see !wah! all the people come to me


!wah! your A math so nice so good I say oh ya ya ya, ya ya ya, me at the top field to to swim to poly that time lor, lah I think something different for me lah in disguise lah


that's why quite, I never know ah, I'm late late bloomer lah, is a comfort food that you always cheer


I miss your salad leh, really [orh] I really miss your salad [orh] whenever I want to buy, call annie Low salad hello, my area is not town area leh


run for bubble tea , , hor, I run for bubble tea but not always to wherever lah just have a, uh I think whichever no queue I just pop in to, I no specific brand but uh I will


make myself happy lor this one this is the only thing lah, one thing I don't know how to play mahjong hor


ya lor ya lor, next time got dementia Can Liao


that one there's one, no no no the that one is like uh, bubble, tea no bubble tea uh no they they play on their own they will sing it I mean ya ya ya I forget suddenly I forget the name but that is the marina square even though there is uh I think


ya ya I wanted to sing there because I'm a from choir what last time so we wanted I, think we wanted to, my friend Jio me to join eh you want to join the singapore, youth choir or not I say I okay go but eventually receive letter no


the karaoke not open eh, , ya lor that one ah, Jialat eh that one my my old time, uh hideout when I was in secondary school Teo Heng at Tanjong, Katong


eh we reveal our age anyway, , no mah that's the only, before K box and all that I mean that was the only uh entertainment station at a at a place Teo Heng


lah ya ya yup, Teo Heng let let them camp meh


Kaki all sing one [orh] don't we #ki siao# [orh] all sing one


(ppl) very very fun very fun very I like I like I like


finance related topic, okay, well


uh, ya okay that's an that's an excellent question because for savings account right firstly what do you use use it for


to park your money for rainy days so what's the what's the best thing what's the best thing you want, oh you don't park your money so, , ah okay


uh no lah, of course you don't put money under the milo tin right so the best thing about savings account what do you look out for, ah, uh okay err can no problem okay so


ya you mention about you will be one multiplier of course there are, so many many different account so for example there is ya for example there's also BOC smart saver there's also CIMB


ah, err well, ah


oh okay okay ya I get what you mean, okay if you don't have money no worries okay because I because for each different type of account right for example some there is the minimum okay for in in general there is a minimum savings you need to put inside


some is maybe a thousand dollars some is like five hundred dollars so of course you when when you say that you don't have much money you can always look out for those low minimum capped one lah like for example five hundred dollars, ah but of course we would


of course if you want to maximise you need to have, a bit of money lah of course , of course he cannot be hidden for example you have like maybe just, two thousand dollars, so in this case you you wouldn't


ah I see, so you mean you are living from, paycheck to paycheck lah,


ah okay if you are if you are those, oh okay okay no problem if if it's like that right there there's always the other factors such as the credit card spend, you can use it to clock all all the amount lah like for example you you need to clock maybe five hundred a month


, ya for then for that they will give you bonus interest , (hmm), no uh for example five hundred dollars are like those kind of UOB one ah


it it it varies ah it varies ah, uh for UOB one specifically yes ah you can spend on anything lah, and for BOC I think yes also, most mostly on anything


ya ah


investment okay okay I think investment you can explore those kind of regular savings plan, those kind you can just gradually put a bit of a, uh it's not really an interest rate because it goes with the market


so what they use is dollar cost dollar averaging ah, ah those those kind ya those those kind of strategy whereby you lower your average costs in order to in a way maximise your benefits lah maximise your earnings


at the end of the day so when the market goes up of course you you earn lah, that that's how you save all this lor, so


online spending online spending it depends on what kind of , cards or rather what bank you prefer, okay so okay you just now you mention for credit card on online spendings so online spendings you can it depends whether what bank you prefer lah


there is the DBS one, which is the woman's card, and you have the UOB, which is the I think PPV, platinum yeah platinum visa I think ya


uh ya lah I mean if if you want to earn money you have to do a bit of homework so you need to track lah


ah okay, okay you are or uh you mean you are using me to do your homework lah oh okay


okay, of course, then continue reading ah , must always be current right


ah, okay then then in this case you you just concentrate on a few lah you you don't you don't try to read everything because not everything is suitable for everyone, so you can always


ya ya ya, okay lah I mean those those kind of those kind of post generally is, you have to take it with a pinch of salt lah


okay uh, firstly it depends on whether you, what do you want to get out of the spending, do you prefer rewards like, cash back, or you prefer miles or you or you prefer like, points whereby you can just change for everything and anything that the bank offers


so , (hmm) I agree, ya ya like for example what NTUC voucher


uh true lah, , uh not, I have no idea because I am not a points person ya okay so I think, I think there are two major camps lah the mouse and the cash back ah so each has its own benefits and drawbacks lah


, ya ya ya I mean previously points used to be so called the only thing lah


like they they will just give you ah okay they they give you ah maybe the the bank's currency UOB dollar for example or what DBS dollars uh I mean I mean each each bank has it, each bank has its own, name and its own currency lah so


so for that you can use to change a for example uh ya you what you mentioned buffet vouchers uh NTUC vouchers or some discount vouchers but nowadays they are getting more creative lah , like they have a points that allows you to change to miles or maybe uh offset your spending or give you for example some sort of cash back


ah, uh firstly of course they they pray that you don't pay in time lah so they will earn your late fees and interest ah , ah okay


uh okay lah that is a it's a double edge sword lah definitely , ya firstly you must control and make sure you


return the money in time lah, ah okay lah I mean as I as I mention is a double edge sword mah a a sword


or or rather a kitchen knife can help you cut vegetables or it can also help can also stab people right of course there are two ways to wait lah so depends on how how you used to do it lah, ya


err I would say the CIMB fast saver, you you don't need any spending you just let your money, sit there and rot there lah, and they will just give you interests but of course the interest is not as attractive in this case


ya like uh I, uh I I think one percent is the, the old interest but now I think they reduce because the global interest rate has been reduced lah I'm not sure why is it but because I I don't use it lah


ah, , uh I think for the for the tier one it's


I don't think is CIMB ah, ya but but uh I, ya I'm not very sure that, okay maybe, ya because it is it's really the competition is there lah so, there are a lot of


different products sia they they want to capture the market lah, so it depend it depends, singapore bonds


I am not sure for singapore bonds because I totally don't, believe in singapore bonds ah unfortunately I don't believe in singapore bonds because the return is, a bit too low like what two percent like what two percent


eh if you, if you do your homework I think you can, outrun the percentage lah, and you have flexibility to withdraw your money anytime lah


because singapore bonds, no because singapore bonds you need to wait, I think ten years, because there is a step up ya so so you need to wait like ten years for it to mature then you'll get the so called the maximum benefit if you don't you cash out earlier


you you get very very low interest rates so no point, ah so I don't really like to tie up my money in that so, not for me ya , ya it I mean it's


different people different strokes ah, but of course, but of course that one is risk free ya, err not exactly you can always, maybe put a certain amount in the bank ah


uh not not in the bank as in to to save , whereas to save you can do singapore bonds you can uh put in the banks so you say you like to spend right so might as well you can partly with the those kind of savings account whereby they will reward you with credit cards spends ah


so why not if you are spend if you are if you are getting rewarded for spending, ya ya, !wah! don't talk about my student loan ah still paying


, how about yours ya ya how about yours, have you clear it , clear already ah !wah!, good for you lah well I'm


no lah you can you can always stretch it lah, well you can use the money to do other things, I don't remember unfortunately, yup


not for loans ah okay may ya maybe that's the bad part ah, ya, ya ya only the only the few banks lah because initially during the term of studies you don't need to pay any interest what


so I didn't think much about it lah so just throw it one side, ya ya, oh anyway now now the loan now the interest rate for for the global site is quite, attractive


ya ya ya ya, ya they will they will just, leach on me ah in a way it if not that's how, ya, no choice right that's how banks earn money right


ya ya okay but anyway going back to the topic of the, credit card right , you will you will asking about the online spendings okay so I


I remember that for for this kind of online spendings right because nowadays a lot of people, , okay because a lot of people tend to do online shopping nowadays as compared to the brand and mortar shops ah, so I think these cards you can


explore and see whether you you want to keep a few lah, because I think their rates are really quite attractive, because okay because I'm a miles person so they so in a way for


of course it's talking about keeping now and spending later lah, anyway you you don't you don't expect to spend uh you of course you don't expect to spend a hundred dollars now and get your a air ticket next month right that's impossible of course you need to slowly accumulate


err well, uh well it depends on your card some cards don't expire at all, like for example altitude


ah, ya whereas some of course they have higher spent higher reward tiers ah so for that they will not let you keep for very long so typically it's like maybe two years three years or some even one year


ah, so so for those one years you you need to be conscientious ah you need to check out oh okay this is my expiry date , ya so so I need to redeem, ya actually you just keep


err depends on what you like lah you can put in krisflyer you can put in what Cathay, depends depends on what you want to fly, ya ya ya different cards has different so called transfer partners ah


like for example where OCBC only has uh krisflyer, then DBS has Cathay also, uh can


uh if you like Cathay, Cathay is actually quite popular so so what you have what Amex I think, and you have Citibank ya


ya Amex is yup, uh, uh not really true lah previously yes lah there's a lot of places that don't accept Amex, but nowadays I think they are getting more in a way more general or popular


whichever way you want to put it lah so there are more places accepting Amex lor, ya ya, ya ya ya but of course you can always fall back on the traditional Visa and Mastercard lah, because I I don't think you want to explore union pay and all that lah


ah ya ya ya, uh unless you go china uh maybe china, ya ya or or or what pioneer's card I think, ah those those those


ah ya ya ya I somehow saw it recently ya, ya so so so these are all the, so called the <mandarin>小猫:xiao mao</mandarin> ah , ya


ya the small fries are in the way, okay so it depends on your spending habit lah, like for example if you want online spending you can have, well the DBS moments card lor, every month two K capped so there's something you can look look out for lah


you can get a celebrated rewards for up to two thousand, so it's four miles per dollar, four miles one dollar to four miles, which is one of the highest lah


ya ya ya so, , err I am not I am not a walking krisflyer or walk chart lah but you can always go to krisflyer website and see lah


so if I remember correctly okay it depends on your class of, ya ya it depends on your class of travel also lah like for example if you want to travel oh okay, economy I think is like twenty five thousand


so you amortise a bit maybe you spend like six K seven K, , so I think is, no lah in total lah so I think it's quite reasonable lah in this case, but of course if you want to maximise


if you want to maximise you travel in business and first class [lah], so these are the so called the (ppo) more rewarding ones


negative experiences , ah so okay so we are talking about negative experiences , are you afraid of anything


like creatures no ah like, like lizards ah oh why


(mmhmm), okay (mmhmm) but dinosaur I mean barney looks friendly oh, then why, why why do you said that lizards are scary


oh real dinosaur okay okay okay, so (mmhmm), ha why


okay


are you sure that's a real lizard ya, but I always see lizard go on the wall eh how why they can fall you mean you mean they fall asleep


or, oh


okay (uh huh), but that is that's what that's what they do what that's how they escape right for, have their tail falling oh so that the so called the predator will come and catch them


but, lizards I thought they are, I thought they look friendly ah , as in they help to maybe, eat some moses especially now with the dengue, some I I I thought they helped what


ya because they they they they eat moses they they eat flies spiders, are are you sure, spiders always occupied the corner of the room eh, they they they just like, they they just like to invade your house what


just, decorate your house put put one web, uh it depends what kind of spiders you are looking at ah , ah ya lah I mean


ya lah, but but they are annoying what they they they also can bite you eh, you do you know spider's bite


, I don't know whether there's a spider bite, but I understand that spiders do bite, whereas lizards don't bite, you you have never seen someone said that eh they have been bitten by a lizard right


no right, ya, ah okay lah I mean some some people get


!huh! what what do you mean by they they disappear they don't disappear out of nowhere what, they they just crawl into the corner hide hide one side, (uh huh), you mean you are scared but you can catch the lizard


oh, ah disappeared, why you want to know you put a tracker on the lizard ah


lizard tracker eh but actually there right that that there's this lizard trap what, where whereby the when the lizard walk pass right they will just get stuck to it, you can buy those kind of lizard traps ah, ask your dad to clear lah


okay right, ya you just you just need to buy and maybe, set up, me ah, of course the oh, okay for me ah err, cockroaches ah they they look like crab ah they are the ugliest creature in the world so