so offline use her card lor online use my account, but actually depends ah because some bank ah they tell you you use paywave ah I think UOB also got the otherwise what DBS also got you use payWave they give you they can even give you up to five percent rebate so why bother to use Grab physical card


d like DBS right if you use their credit card for payWave they will actually give up to five percent rebates, ah so you don't really need Grab card for physical card lah


depends on the how your spending type lor ya correct ah last, time for is actually travelling that is the bigger ticket so travelling is all online mah so you can just use the online account to pay you don't really need to go shopping


then shop shopping for me the bigger spending ah groceries grocery also got other credit card that give better rebates


, now not many cards can need to hit target already oh now not many cards to hit target because they all don't give benefit , okay


part three negative experiences, okay uh negative


actually when I'm doing GrabFood so far I haven't really got negative with people ah because most of the time they just take the food lor then I pass them the food I straight away runoff already don't need interaction


(hmm), so far no ah in fact I think we benefited from this pandemic where we see where we get so much of the payouts from the government


but I, while receiving these ah is there's always the worry ah what if the the so-called recovery ah is only short life you know on on the market it seems like no one is really affected because everyone got money


oh they they the company actually do pay cut for them because now the government the job support scheme ah is such that they will actually cover uh seventy-five percent of salary so it makes sense for them to still pay them


ya I think four three or four thousand ah


so he's impacted because he's so


ya but they they keep saying local ah sometimes you wonder !wah! if the PR also got or not when the, PR are really some some PR are just new PR


ya lah but most important is eventually whether the business if the business come back at full full ah then everyone gets to stay lah if the business don't come back in


full ah then they they need to prioritise in terms of who who should stay lor, otherwise it's like you take the government money where the government said clearly is for locals then in the end they also help they also help to keep the foreign workers here foreign staff here


don't last time, last even before this pandemic last time their their even before the pandemic their their policy is always like if you don't have property or you don't have


uh let's say you you don't have a house, all those you know all those elderly ah a lot of them ah they they actually don't own a house because they are staying in in their children's house then because of that ah last time a lot of them ah actually are so-called deemed to be poor and can actually get government funding one


then I think later they start to change the rule they say if you live in a household income, so meaning you you don't own a house right is your rich son who owns the house right or you you already passed the house to the son ah


then they said but actually you are very rich because your family income is very high so they every now and then they will change the criteria lah and is, sometimes you you just have to see that criteria ah whether you can you can meet ah otherwise ah you just have you just said now like on the losing end lor


negative, so so far when you when you are teaching ah yours your students parents got very bullying stance or not


!wah! like that you still continue ah one two months you should already stop them already


this type of people ah sometimes you the the more money they have ah the more they don't want to give money


surround ding


the Atas


another six months again


promptly pay you right


oh the from the law law firm ah , no no no I mean the you saying the company cheque I said the company cheque is from the law firm ah the father's firm ah


those one one one person lah they they just set up their own practice maybe for six month no no no one come and ask them to do cases ah because depends on on what what uh what law he focus in


no depends on what what uh law he do whether he's the commercial one or the repricing is by certain lawyer


ya sometimes in life it's like that, oh I I don't want to get into those type of negative for delivery ah that I heard a lot of people they they do delivery they allow ah cash orders


so when when customer order they will say oh I pay cash I don't use the the wallet in the app then when they go ah you I mean I never experienced before but I hear from other people !wah! some they will say, uh they open door take the food dump you some money in the hands then close the door then when you start counting ah you realize they short change you ah then you still have to knock and then argue with them and say you short change me


then otherwise is is like you go there then because they need to pay you cash mah they know you won't run away mah they let wait lor, whereas if you use the app ah if you if after ten minutes you don't come ah I just hang on your door I don't care whether it's hot or cold already


!wah!


ya lah he go up won't come down already you waited ten minutes for that two dollars might as well get an another one


he he must be thinking [ah] on this trip cannot cannot (uh) sell anything [ah] three dollars also too expensive [ah] should have taken bus [ah]


part two positive experience okay it's recording


okay Haidilao ya, oh okay so ya so on Shopee I saw many many sellers then I was searching for the the different types of uh food that they have, then they got a lot of beef one uh which I can't I can't buy they also got


a lot of vegetables one then there's one special one is the Xiaosurou so I said if I need to pay extra I might as well buy Xiaosurou oh, so I bought that then when, I think I, I picked that one plus another vegetable one two pots was I think twenty something ah


average probably around ten plus ah ten eleven dollars ah, but uh you know Shopee got all the rebates and everything ya so okay lah slightly more expensive than NTUC lah, but it was special lah, so I I got I I suspect the one at NTUC could be singapore production whereas the one I bought was direct import from china


ah both are Haidilao brand but there are some sellers on shopee that says uh singapore produced and then they don't have that Xiaosurou whereas the one that I bought that has Xiaosurou right it shows that it's actually uh flown in from china no no I didn't buy the one from NTUC in the end I just bought from that seller but because they're


their package was uh, buy a Xiaosurou one with a vegetable one so I just bought two lor it is a it's a two-in-one package lah, !huh!, ah it's a bundle, so ya it's a bundle so I just bought that one then when it came then last night my


niece and nephew were around mah so we we played with it you know after you put in the, uh you it's it's actually like two container one is to hold the uh the water with the with that that special thing for boiling then another one is to hold the food so we just put that


that pack of like, I don't know oh maybe it's something like charcoal or some chemicals ah no it's is in a in in a in those type of , pack, in the pack then you just put in into the water, ah is is those kind of


pad lah, {ah] but you put into the water then we put the food in lah after I don't know one minutes ah, and we cover it there's there's actually a cover with a with a hole for the hot air to come out !wah! you really can hear the sound you know that Bo Bo Bo Bo Bo Bo Bo all and then the hot air really come out


that there's a hole at the top ah that ah ya there's a cover there's a lid


no it's just like those container lah just a container Tapao container where you have a a cover on top so you just push it in but it has actually a hole for the ventilation so you actually hear the sound Bo Bo Bo Bo Bo then you you will see the air come out then !wah! the kids were fascinated I said okay I paid eleven dollars for this one it's okay


I think the food are all those, already cooked you know like army ah they have those cooked food ah but, is, you just need to heat it up right, army stew like that so they got those then they got the sauce so you can actually put everything into the pot and then add add your own water


so the, oh they is like like instant noodle like that they they tell you put water up to that water level lah so we just put in then uh you heat up lor but they told us to wait fifteen minutes then when I open after fifteen minutes right the


food, the food with the with the soup ah, it's actually not boiling but it's warm lah and then the I I think because the basis is that the food are all cooked so you just need to so-called heat up the water and the the soup and the and the food lah


so it was quite nice ah, ah no no is all all put together they they actually have the tomato uh soup base ah but it's the thick thick tomato soup so when you add water you will it'll become the tomato soup


so, uh I think my my my one is the tomato base, should be considered sweet sour [loh]


got taste lah is is tomato taste lah not lah but Haidilao the the tomato soup is the the savoury type mah is meant for hotpot mah ah so it was it was quite nice ah then and more important is like to the kids is fascinating lah


then, is it's sort of like because they use some ingredients like uh they use a lot of the, uh they got the the, sweet corn they got potato sliced potato and they got the Xiaosurou so it was quite it was quite nice like no no no like uh popcorn chicken without without so so much of the coating


it's a in-between between popcorn chicken and like just Teriyaki chicken kind of thing inside the the coating is not so thick, if you add your own ingredient one thing is your own ingredient must also be cooked mah unless because that pot is not enough to cook something is only to heat up something


then plus the pot only has a certain volume so their original ingredients is actually full already so you put anything more ah you can you you can't cover or the water is not enough the water level is not enough to cover all your food to make it hot


positive ah personally I don't really have a lot lah I mean it's like okay lah because I'm wearing the grab t-shirt then some some people will say oh !wah! you very sing very poor thing have to have to go under hot sun so they will they will like oh while you're on the road to stand one side


(hmm), ah pedestrian and then sometimes you go up the lift they will hold the lift for you because I'm with a bike, ah, ah I'll I'll go in because most of the estate ah the lift is big enough


ya just push it up oh


oh


I I think is is in sense that when you start doing all this ah you realise eh actually a lot of places quite safe one so some people just just leave it around, ah, because in general people say see the bike they say oh uh grab food delivery ah poor thing ah you don't you don't go and steal people things mah is their their tools for work


no some people they leave their grab the thermal bag on the, bike, so you see the bike you know this this one is by a delivery guy


ya so I think in general it's okay, no I I still push it up oh don't don't need to worry anything lah then when you push up is also quite easy what you just push it into the lift then go to the person's house


then just take from the


time some sometimes, because initially I started as a using on foot not on bicycle so you they when they order ah they will see that oh this this delivery is by foot or by bicycle or by motorbike so some people see by foot ah when I go out I say !wah! you really walk ah then they will they will give tips oh


because they say oh !wah! poor thing have to walk , then, but they will they will see the app ah the app will show whether you're walking or uh some people ah some people they will they will say !wah! poor thing or they see the hot sun then they will they say eh give you a can of coke


oh if they if it if they see raining then you you appear with like like raincoat or what then they they feel not not nice they also give some tips, one two dollar lor


but not not a lot of people give tips ah because the, the app also have a tipping function you also can give physical cash then ya


actually for transport, ya even even taxi also they will tell you something like that but some people will say !aiya! they they even you you walk on the street some people will see you with a lot of luggage they will also help mah so sometime is by paying that fee ah they they won't they don't need to help but


just people to people they will still help lor, ya


ya


ya since since you don't let in the end you still you still pay the same amount mah,


oh depends on you're referring to twenty thirty based on search or what lah because those who travel far they


because I think those who travel far they they probably unless it's a ad hoc uh business ad hoc trip if they every morning have to travel far either they will go for grabhitch which is also cheaper already or they will go for maybe they might drive already


no it depends on it depends on uh which store some some uh merchant they say oh the food they they need that extra customers so they they are willing to pay for the delivery fee lah some they say they just do extra leh they said ask the customer to pay so they will mark up okay


part one financial related topic,


okay so <P2>tina</P2> you did you actually do a repricing the last round, ya


two percent of what outstanding loan ah, uh !huh!, oh okay


oh okay restructuring okay so that one doesn't need you to what you call that submit your uh what you call that uh uh documents lah so mainly is uh that that make you to go into restructuring


oh it, oh okay ya I also did a repricing but I think it's called a repricing ah ya because uh for me is actually because I have a car loan and because I'm self-employed so the income declared not so high so they actually made me


show up figure meaning ah , ya ya for example I take X amount okay let's say I they I, take a loan of five hundred thousand example so they say that okay you have to show me a show up like you have these X dollars in your various bank uh before they can give me the loan


uh so to speak ya ya ya something like that because I think because I eh actually I don't have a car loan I finished my car loan basically I think is because ya my income cannot my declared income cannot support my loan maybe


ya so so it's like something like uh they need me to show up a certain figures so it's like I need to get the screenshot or rather a screenshot of my bank statement like how much I have


to show them to support that so if I'm not wrong it's like I think it's almost like, , sixty sixty percent sixty to seventy percent of the loan amount


ya ya so that I ya ya it's like ya it's like you have don't have that income but at least you will have that that asset to like not default the risk ah not default the loan lah ya


ya ya ya because like I like what I said lor then as long as you can show up that figure then they can give me the loan


ya but uh actually when I do that the previous round right when I from when I go from move from OCBC to stan chart, stan chart also ask me to show the figure then this time right I move to Maybank they also ask me to show a figure but I think Maybank asked me to show a higher figure I cannot remember


ya they Kiasu a bit , but but that is then then again that again is uh repricing ah oh no no no not repricing actually is a refinancing


ya this is a refinancing already so I don't know lah within the same bank maybe they want to restructure and make you pay up for this one is I show up


oh


, okay do you actually prefer to pay down, or rather to , keep your money but not giving them or or give them the money to lower down your loan what do you think


so you always so you always go to the maximum number of years ah, or is there a reason why, ya you pay less ah


but but overall you are paying higher right, ya lor you stretch ah,


ya but I think some some banks actually pay down I mean doing a repayment there is subject to some, one percent or something is that so


how about this time, ya mine also like my previous one with stan chart there isn't anything but I never in the end I also never pay down lah


because err like because the interest rate better than the the the the the savings interest rate is still better than the loan rate lah, but now I think the savings interest rate is


so low that and then my my actually loan interest is fixed now ya I was thinking whether if I can call them to say that to to do you think we can change loan package ah cannot right


because !aiya! nobody expect this pandemic to happen lah so so before that


we are I'm looking at it okay lah as long as the the bank interest rate as in the savings interest rate is higher than, the loan interest rate there's no there's no need to pay up the lump sum but now maybe should look into it lah what's the do what what is the floating rate now ah do you know


don't don't want to know hor, !haiya! but we already we already signed in already mah


ya I know but ya,


one two years ya I think I signed for three years eh because that time I was thinking uh after two years anyway I need to get a need to look for lawyer pay legal fee have to, to, uh value the house again and all these are costs so I thought that ya just like one shot two or three years ah you know but didn't expect the interest rate actually now is consider high ah actually okay


oh ya ah


use CP oh oh ya ah,


ya because if I were to pay the bank I may have a penalty right so if I were to pay my CPF I am I'm waive off, ya yes ya


ya , okay okay okay that's an idea, ya okay but ya because ya liquidity lah ya that's the thing


increase what back


why do I need three hundred K when I only need hundred K, ya, ya, ya


oh , oh you you are saying that if I were to pay the current bank by cash I cannot by then to say that I want to increase, that to say that ah I know what you mean now but it's if it's CPF


okay okay okay okay lor I think I will do that and anyway


correct, but, but to pay for the house lah at least like ease ease ya ya ya to ease my burden later on coming from the loan ah right


okay ya lah in any case now the CPF is giving higher interest rate than the bank what right, ya lor better than better than anybody now , !wah! right


the ya lor so now the highest, !aiya! insurance company okay unless is like really like they say it's a guaranteed lah otherwise if is long down endowment some is still based on projection those short shorter term ah they will fix in the what maybe two two point five percent


, eh how ya how that Singlife ah have you explore


maximum ten K ah or minimum oh minimum two K is it, oh


Etiqa Etiqa ah, that one is what ah they that that one they pay every month every month pay certain amount ah, oh


okay that one so have you explored you explore already ah, !huh! seven


!huh! , oh ya oh ya because is underwritten by insurance company lah so so depends ah like


this Etiqa always have this kind of products ah then you ever saw before or not what Etiqa easy or something like that I don't then when I click when I uh go google a little bit more they there isn't any like fixed number of years eh I wonder is it a life


policy or something or maybe I didn't read


!huh! after first, okay anyway I think uh quite vague lah you'd if you can withdraw anytime you mean the the Singtel Dash one ah


then I can put one month and then earn like a little bit then then I say I want to withdraw everything, oh seventy cent admin charge ah oh okay but but you get to see your interest earned every month is it


that one is backup by who ah by Singlife itself ah, !huh!


I don't know leh like is suddenly, like like, they are insurance company ah Singlife it sounds like a sounds more like a app to me


ya lor !huh! say again oh ha


oh oh, speaking of Grab ah you will still owe me points , , oh okay so oh Singlife then debit card so so they will send you a physical debit card


ya lor exactly at least grab still got some points to earn right unless they come up with, !huh!


for for you mean for Grab or for Singlife, !huh! you don't have, I thought you told me you got your Grab card long ago, ah really


ya ya ya I know I ya but how's your usage like I remember there's once like my usage quite high ah then they then I can use already you know then I mean I can request ah not


really !huh! like that ah oh , but basically I at as long as your mum as long as your mum have uh what you call that the


ya lor that's why as long as your mum I mean as long as you got have one Grab card I mean the GrabPay card one physical card is good enough lah


!huh! say again payWave ya ya they ya so it's better lah no need to use GrabPay lah


correct lah so I mean for any like if you want to if you want to, dispense the money from a GrabPay I think the ideal way I mean is sometimes it's easier to dispense by doing using the physical card lah for some reason if you want


to you know to to to, uh dispense all the stored value in the grab card I think sometimes physical card is easier to dispense all the money what right ya lah ya you can actually transfer the money to your mum's account and then use your mum's card also what there are many ways to play around hor


ya lor ya so


oh, but whatever car I use I see which one I need to hit target, okay !huh!


[orh] (ppl) true okay


part three negative experiences okay


, oh but do anybody surrounding you have like affected by this pandemic


like uh, like their their income or they lost their job things like that


ah , ya lah I mean they


(mmhmm), no I have some friends who actually they got I mean for me for me I Zoom with most of my students uh except at the beginning


there were some who wanted to uh stop, temporarily because I think that time they might thought that oh this one is not going to be that long lah so I think the parents just say that okay stop for the time being I don't know whether they want to save money or their


job are affected or or for what, whatsoever reason so not so they didn't even go to Zoom but when school reopen they actually ask me to, to go back I mean to go to their, to go to their place ah ya and then other than that I don't really have uh students who actually drop out from tuition but I do have friends who were like forced to take no pay leave ah


ya so meaning that every five days every week right they actually worked for four days so which means that four days one out of five days is already like twenty percent lah so I actually had a twenty percent pay cut,


oh you know what happened or not no leh okay I I tell you what my tenant actually shared with me ah my tenant the pilot right so he


is working for airline so I was asking him eh how come okay so he only get as you know lah the pilot usually earn a high basic and plus of course a lot is uh allowance when, they fly so without the flying allowance is like even the basic also get the pay cut so this pay cut was reduced until like as little as thousand plus only for a pilot okay so so I was asking him eh I thought


the government uh like subsidize like up to like uh seventy-five percent right uh, ya up to uh I think four thousand six ah or four thousand three lah something like that no no if your income up to four thousand six uh but seventy-five percent of it so it sum up to about three thousand something ya


so it so basically maximum is seventy-five percent of four thousand six which come out with three thousand plus so so I thought then I ask him how come not three thousand plus ah oh so because she he so he was telling me because the subsidies ah so to speak is


for local or, I I think I don't know I'm not sure whether include PR lah citizens ah citizens I'm not sure for PR but the the company have to spread to the whole company have to distribute among those foreigners as well


you get what I mean or not, no the company also have to pay he's affected because okay it's just like, if the company receive I don't know how much lah let's say uh five hundred thousand but this five hundred thousand not for is is based on those citizens as well as PR but they have to distribute to their foreign workers as well


you cannot say oh you're you are not singaporean so I'm not helping you, so which that with whatever they have received from government they are distributing some to the foreign workers as well you get what I mean or not, so like those who with work work uh work permit or EP they are not local eh


but they also need help what right so the company so ya lor so by the time they distribute he he himself, get thousand plus ah but those those, not flying crew I don't know lah ya so that that that's that's why I thought like oh it's not that oh the the the the government say that oh we will safeguard uh up to three thousand for you is three thousand per qualified employee


but but you, I I don't know lah but again ah a lot of company actually a lot of company also have a lot of foreign workers what like foreign


uh staff lah staff right so ya so they also have to help them mah you cannot say that oh because you are from so and what whatever country then you #balik kampung# lah cannot what, so so ya so they have to help them also


so that's why it's like they try to safeguard the save the job lah but reduce pay for everyone lor


, ya lor that's why


actually !aiya! I I find that people like me, like a bit how you call it ah because like I have like the two properties right but then one of which


I was thinking why a lot of benefits ah they don't allow the people with two benefits to get it ah is it because they felt that you are rich so uh you are well off to have two properties so you don't need such privilege such benefits, or they think that oh since you are collecting rent so you don't need


this kind of assistance , if is if if the case the case like that right uh uh uh


ah, rental oh okay


ha oh ha, ah okay


ya lah per per head lah, !aiya! but actually make sense lah make sense ah


okay so anyway so so all these is leading


to, oh I don't have lah but those that I have is uh they don't pay me eh I have this experience like


this parent I mean this family I teach two kids then can you imagine ah they owe me the fees ah for half a year, like ya because the girl because the girl is sec four lah but but partially is my fault because


sometimes I only bill them ah like after two months so after the the beginning ah because they are are new to me so okay so after two months I bill them so after I billed them right I I send okay I write on a piece of paper like how many lesson and


ask the daughter to pass to the parent so and then the, girl, I do not know initially would she didn't pass or she passed but the mom is not paying me so after that by the third month ah I text the mom then I say that uh I already passed this paper to


you know the the daughter then after that uh she's then she say that okay noted, so she said noted right and then okay noted means you you you know what to do already right but still never pay me leh okay nevermind so I thought that oh is she didn't see me because most of the time they are not at home so I thought that oh she never see me so


if she didn't see me then she don't feel uh comfortable passing the cheque to the kid right, then so I ask her uh do you mind to like uh pay uh to do bank transfer then she say that oh no I'm not I prefer to, pay you by cash and not doing uh uh I don't feel comfortable doing online oh okay fine but then


like that four months five months !wah! I have to cook story lor I have to cook story say eh sorry ah I need to pay uh my insurance premium ah one of the insurance coming ah so I need some, uh some money to pay ah then she like !wah! push one month two month then she paid me by then ah the fees how much you know about four or five K liao okay and then ah guess what ah they actually stay in marine parade ah condo ah okay marine parade condo quite expensive one and guess what what what


the the what what the what the husband is doing the mom is actually helping the father's business, and what is the dad doing the dad is a lawyer leh !haiyo!, ya and then the house I ya they


I I don't understand why because ah okay this parent is actually referred by my another student's parent so, okay so initially I feel like telling the the the the person the my my the the the student the one the one who referred me lah I actually wanted to tell her


to can you uh ask her to pay but I think it's not very nice lah like like people owe money then you go and tell people like ya so I just waited lah I I I just endure I just Tahan so anyway, ya so no the thing is that but my this particular student okay actually they are from a how to say they they actually learn sailing ah sailing is like expensive sport lah sailing ah four kids all go sailing ah ah they can afford the kids to do this kind of activity


and then then the the house ah the have expensive speaker, because the speaker I was like !wah! the first time I saw !wah! is like, !aiya! you you cannot imagine what kind of it's like no it's really big like trumpet kind of very big big


uh speaker one you know and then the wall ah have those uh I don't know how to say because I I'm not in ya you can see the wall is different it's like like, like for the acoustic feel one ah because I ask the daughter eh what are all those on the wall oh my dad want to like you know play the and sometimes we when we are in the tuition in the room right I can hear that the father play very nice


uh vinyl records ah ya so it's very nice it's very nice uh maybe plus all the effects lah but then what I'm trying to say that they can afford all these expensive stuff right oh ya, even the mid-year right the june mid-year ah the girl can go overseas ah herself ah to meet her friend


to meet her friend ah just like to catch up with her australia friend, and then then on one hand the other hand she is owing me the tuition fees ah for five six months, okay but I don't want to like to cut lah because because one is just entered sec one the other one is having o-level that year so it's like quite bad lah if I just tell them eh I don't want to teach anymore


so nevermind this so this one about finally about mid June ah june she paid me !wah! then the next time she pay me you know when ah yes december, really and then the december is also I keep hinting her I keep texting her to


to pay me you know because I know that december they're going for another the whole family going for overseas trip so by november I'd exam finish already so I have to !wah! I like a pest I like a pest every day like text her text her to say that


you know uh have you have you returned the cheque I can come down to your place to collect the cheque blah blah blah blah like that, I mean not very nice ah you know I there are some parents ah who don't earn a lot but they are the ones ah who like worried that they ya they say eh you haven't bill me this month ah eh you haven't oh you haven't you haven't bill me eh how much I owe you ah that kind of thing but sometimes ah


you know the richer you are some people are really the more Chaokuan lah, , ya lor so it's like I don't know what they are thinking ah so ya and then to cheque ah the cheque they give me is from the is accompany cheque leh you don't tell me your your your company got cash flow problem ah I thought


you know I just do the refinancing like that easily they charged me two thousand dollars to do the paperwork , ya ya ya but but actually !aiya! you don't know meh oh you never do repricing before


ya ya ya ya I can actually I actually know what is uh what is that that then I google lah oh the father is the what lah the the partner lah whatsoever actually no partner leh I see the mom the dad's name alone


one man show ya [loh], ya so got, can't be so bad right can't be so bad every every day I I believe that's every day got people doing refinancing repricing all these thing ah


oh uh have have have commercial one and got divorce one because I I ever saw some of the documents in the room ya but ya lah I just like browse what what what some some buildings ah but I never read lah not not right lah but I know that is some


documents ya so like that ya so anyway this kind of people lah, so you feel so did people ever short change you before


ah oh


uh you mean, ah okay ah ya okay then


you know I do some GrabHitch lah I also encounter like some okay most of the time no issue one lah those some do some pay cash some is by GrabPay lah so


the only funny guy I ever met is like this guy he actually started okay that time I have two different passenger is like you know hitch I I picked two person I stacked lah because ah ya the destination about the same then


ah you don't know meh okay anyway ah okay we have limited time I have to cut the story short ah you know what he's trying to say he is trying to MLM do selling MLM to us eh , , he's trying to like eh you ever come across this okay do you uh take any supplement


uh !wah! then I know like it's coming already lah then it's like oh okay then I just uh ya uh what then he say that oh you know uh this thing is very good for uh to help to boost your immunity !wah! then I was looking at the girl and then ya then after that we say not interested then he even


ask me why are you not interested ya then I was like uh so uh no no I'm happy with my current uh in uh uh supplements I'm taking ah, [orh] then ah before that he was trying to ask me what I do do I earn a lot am I interested to uh learn to earn uh side income then I know that this guy is a bit funny already


and then the the the the most funny part is what you know at the end then ah nearing to his place right because I'm supposed to drop him first before the lady so then he he was telling me , then he was telling me oh sorry ah the the hitch ah is only five dollars right


alright then after that he say that oh sorry ah uh I only have uh then try to dig his pocket three dollars eh do you think later you can just drop me and wait for me at the and then I go up and take the and and bring down two dollars to pay you I said ah nevermind lah just pay me three dollars


ya I said you just pay me three dollars lah it's okay you you can, ya lor so I tell him it's okay it's okay is I say it's a it's a sponsored trip lah uh okay lah you you just pay me whatever you can then when he alight !wah! the two of us keep laughing because he ya the because we both of us like !wah! feel that he's quite weird lah


ya okay finish (ppl), okay


because I remember you saying don't know what have press then what resume then what


what are we talking about Haidilao,


ya so how much was it you paid ten over or twelve plus


okay, okay okay, ya the coin ah oh


so both also Haidilao brand, okay, oh okay


ya, so you bought the one from NTUC also oh okay


oh okay !huh! oh it's a bundle ah it's a bundle lah bundle,


okay the food, ah ah ya okay ya


so you have to open and pour into the water ah, in a pack, oh so it's like something like like like like we go overseas you you have a heat, pack that kind of pack pack lah it ah


oh, ah, ah okay, Bo Bo Bo really, then don't so there's a lid there is a lid given in that package there is a lid then the lid leh


then the cover the cover is what seal ah it's a plastic sheet ah or is a solid thing, oh, (uh huh) oh


okay really, oh, then the food is nice ah


ah ah ah stew stew army stew like that ah, a'ah, , okay but you know how much water to add lah I mean they have indication ah


oh okay, , ya


oh, ah okay, okay so you so you actually put the food together to heat up lah not like only when the water is boiled then you pour in right


oh okay, oh, okay okay so it's what <mandarin>甜:tian</mandarin> the the sweet sour taste ah


oh or is it savoury (uh huh) so it's sweet sour or what, oh okay not savoury got got a bit saltiness,


okay because I don't like very sweet stuff leh , okay okay okay okay


oh so so taste like what taste like uh minced meat ah, uh oh okay okay okay


ah, oh so actually if you want to add a little bit Taofu Tofu or anything also can lah, err


ya lah, okay


oh, ah, , eh so how ah during your Grab delivery any any positive experiences ,


oh , , no no when you say these people who who are these people as in uh pedestrian ah


or or, oh so you do you push your bike up or what, ah so you will push your bike you will bring your bike to the doorstep ah


as well ah, that the other day I saw somebody ah he actually has a bike so he leave it at the void deck, he left it at the void deck then after that but he then after that he walked to the lift then he left the bike on the uh at one corner lah then he keep looking at his bike while waiting uh but while waiting at the lift


then after that I talk to him I say uh you left your bike here ah because I ever saw people like, uh like e-scooter or even uh last time lah last time e-scooter or their bike ah into the lift one so I asked him you leave your bike here ah so ah it's okay is like he actually didn't lock it like his lock is by


how ah, like it it need to it need to have a password or something one so he said that ah if anybody try to push ah the bike will start alarming, ya


quite what safe ah oh, ya people won't take away your bike lah, ya


but but you have a, but but your bike have a grab sticker ah or something ah, oh, ya lah like very #jek ark# lah if you steal a GrabFood delivery guy's bike lah right


oh okay, to just leave the bike at the void deck or something ah uh so so now do you mostly leave it there or


but you push even to the doorstep or you just leave it at the you know the lift lobby, oh okay


oh then is uh tipping very common or rarely


they will give, oh okay ha so next time you can like put your bike a bit far away then they they thought that you you come buy foot lah


oh okay okay, ah ya lah I I


oh so generally how much is the tip one two dollars ah or like, oh , the tips is like the tips is like physical cash ah or they the the app itself has a tipping


oh right, that time I did I tell you uh like I uh, because I drive mah so most of the time I I don't take Grab lah then there's this once we


uh we do I initially I use GrabHitch but then nobody nobody do GrabHitch so then we try grab then there's this GrabShare so within one minute the lady came and then actually the GrabShare cheaper I think cheaper than GrabHitch because me and my sister so


or is it ya so GrabHitch was like, eleven fifty or something eleven plus five fifty cent so the GrabShare is only ten dollars so okay lor ten then in within one minute she came


then !wah! then she's very nice eh she helped with the luggage all these thing eh you you normally you take, take a cab or even grab do they actually help you with the luggage ah


because some someone ya someone actually told me they have no obligation to help us one you know it's like is that they are kind enough ya ya ya because I


ya so I I because I have an encounter before, (uh huh), it's like out of kindness lah because I ever encountered before that I ever encountered before that oh the driver doesn't want to help me then I was like thinking


!wah! very bad attitude then later on I get to hear from a friend that actually they have no obligation to help you so okay so fine so this lady then that one the Grab, driver is a lady so she actually helped me without we asking then ya then she helped then the put the luggage and then very courteous then after that we go to jewel and pick up another guy because it's a GrabShare mah so eventually


then ya then she's very nice lah then she was telling me how actually uh she is a new Grab driver and she said that actually it's not making a lot then I say that eh quite quite good lah like you you have Grab


share all these then she was saying that it's very competitive lah that was before the pandemic okay then after that, ya things like that then ya because she said after her rental blah blah blah then it's like not much ah so at the end, when I alighted then I saw that eh there's a tipping function then before that I didn't know about that


so I tipped her lor because she good service ah but I think a little only I but it's like I just try out the function what what does it do uh ya I tip either one or two dollars ah ya just to make up uh a little bit more than what I would have pay the GrabHitch lah ya


ya lor and I maybe after hearing her her sad story like didn't earn much right and then people or sometimes it's very short journey and then oh ya so some of eh


ya so some of the trips actually is very short and then she said that hardly there are like like then I was saying that but I heard that like there twenty thirty dollars kind of trip then she said yes but that those are not common, when when there are many drivers around ah ya I think when you have twenty thirty dollars kind of trip is when not many drivers are available lah and the surge in the demand ah ya lor


ya lah but if there are many drivers ah even even there are many I mean if they're many drivers even there are many people who want to take but if there are many drivers around I think, the you know the the the driver rather the supply is equivalent to the demand I think it won't create the that that that surge lah so


ya so anyway ya lah is ya lor so, that is my and anyway I hardly also do Grab delivery ah grab food lah because I I can drive myself to buy or ya because I heard it's quite ex right the delivery like nearing what ten dollars ah


oh


okay


financial related topic, okay, so what do you look out for in an insurance agent like what questions would you ask your insurance agent when getting an insurance policy


okay that's very detailed, okay, then do you usually tell them like what are some of your needs or do you let them prompt you and ask you before you let them know


personally I think uh I I prefer whole life because it's it builds cash values where you can use later in life and it adds to the death benefit payout so, if I like I like that better, do you have any ILP


I I don't think it's enough but it's a good start as a forced savings for everyone what do you think


so that's where your own policy comes in, yup, but that's why that's why you have to purchase your own hospitalisation plan like what my agent told me was that usually you need to cover the four pillars and the basic is always the hospitalisation plan and then to cover your critical illnesses and TPD uh and then from there you can work on to other things like ILPs and stuff


so for myself a basic hospitalisation plan I have the Aviva MyShield with the rider MyHealthPlus, and then from there I actually moved into getting a whole life plan with a CI under AXA with health pro living, then after I finished this then I moved into ILP where I purchased the uh Prudential PruLink enhanced protector


then after that when I covered all the so called like uh basic stuff, then that comes the additional things like the annual travel insurance, uh on like the maternity plans that I have which is PruMum, ya


ya still very basic only , I honestly think it's it's just, , too basic it's too basic that it doesn't really cover anything so for my own dependent my own daughter I actually purchased additional hospitalisation plan for her under under AXA shield


together with the rider because I think riders are very important for hospitalisation plans then on top of that I also bought her another accident plan because for children these days you need the personal accident plans to cover things like dengue hand foot mouth disease zika virus and whatsoever


ya exactly so that's why honestly the CPF coverage is not enough


is like barely enough but, for those people who cannot afford to pay buy additional policies then too bad at least they have this basic minimal coverage there


and there's always a limit to it you can't draw everything at once, ya, even when I went to give birth they only let me draw out I think three or four thousand only,


oh it's horrible , , the amount of money that you have to pay is crazy and to also go through all the the the thoughts on how do you finance yourself and and to take care of the child at the end of the day


because you need to think about things like , uh paying for the gynae fees, paying for all your supplements and then paying for the hospital bills and then subsequently when the, kid comes out you have to pay for the milk powder the diapers, all of these things need money


no insurance does not cover the giving birth at all so basically the the maternity plan to cover the pregnancy is to cover things like complications


let's say if something happens to me uh during err the delivery process where I need an operation then they will cover a certain amount which is only like five or ten thousand dollars, and otherwise if that does if if everything is smooth for me it actually helps to cover the child so it's covering all the all the birth related complications like the cleft lip lah


err whatever kind of funny funny uh ill illnesses the kids can have lah, ya, ya because like some of my friends they didn't purchase any plans so when the child actually came out they they didn't have a plan to cover the child at all and hospitalisation plans for kids only kicks in fifteen days after birth so which means the first two weeks if anything happens to the child there's nothing to cover the child


so uh some of my friends what they like to do is they buy the maternity plan and it's usually tagged to another plan which is like a ILP or something else and it uh helps to, it helps to so called uh it it covers the child without any underwriting required so it's a guarantee coverage by switching into the child's policy after the child is born so that's why that's quite a quite a good uh thing to have


so one of my friends she didn't actually uh have any policy so the the son actually had this like sinus problem that he went into hospital for when he was discharged they tried to buy a policy later but they have to exclude everything related to the respiratory already


ya so it's quite a pity in that sense


because you see like my hospitalisation fee the one that I told you twelve thousand dollars right for giving birth eight thousand was actually for my hospitalisation bills four thousand is actually the child's hospitalisation bills so it covers everything from the medical supplies to the people taking care of the child


ya, and then I have to pay again soon


okay I usually approach the agent which I feel understands me best in that phase of my life the reason why is because I have different agents for different policies, and these people are my friends at different stages of my life so like the first agent I had was when I first graduated from school so that friend at that point in time understood my situation best cause she was with me then so


uh like my current agent she's the one she's one of uh my close friends who actually helped me to, to look to oversee my whole financial portfolio all the different plans that I have, and then she helps helped me to kind of like assess whether what additional plans do I need so like like for now recently the most recent plan I bought which is the ILP plan what happened was when she help me to assess everything she realised that I don't have sufficient coverage


so let's say if something happens to me we we want to leave something that's sufficient for like say my husband and my child so which that brought me to buy an additional policy the ILP which can give me a certain payout at the end of the the day lah, so I mean I do DIY in a way where I determine whether this current plan is is uh suitable for me or not but in terms of the product specifications and details


I still want an agent to go through that with me because I I don't study the policies I don't know the details of those, and in terms of policy comparing to policy I prefer the agent to compare and let me know what's the difference


so that's that's not very good to begin with


but good thing is at least you're using CPF it's the money that is already parked inside that you can't touch anyway right, ya my eh my friend actually approached me for that before, but at that point in time I didn't use it because I was going to down the payment for my house so I actually kept the money left it as it is unless you have unless you have like a good I think three to five years


before you pay for your house then it's good to just let the money roll a little bit I mean growing by at least a two per cent is better than nothing, lah ya


and you're still accumulating CPF anyway, !wah! the house it, the house actually cost six hundred and fifty eight thousand, as of now we have paid uh I think the first ten percent because for our age we are we only need to pay the five percent first the down payment at the point of signing the letter then I think the next five percent comes in when I think uh I think half a year down the road then


ten percent, ya about there lah sixty five thousand or so from the CPF from the CPF ya which is also our money lah so okay ya that, exactly so you have to keep working in order to finance the house and when the keys come later when you when you sign the papers you get the keys on that day right they actually reassess your whole financial situation to see whether they can loan you any money so if you want HDB loan they will assess at that point in time


to see whether you can take ten uh I think it's twenty fifteen twenty and twenty five years loan but most likely in our case I may have to even uh pay more cash and then every month we use CPF to deduct and top up the cash from then on also


ya, so buying a house is also very painful, yes ya but what to do because I wanted a place that was that's near my parents' place so I chose a location that's so called the prime location so it's more expensive if I had chosen somewhere like Punggol or Sengkang it's cheaper lah four hundred thousand can get a house already


or even Yishun, ya, but to save the distance to travel to work or school for the children next time I think it makes uh a lot of difference ah and at that point of me putting in uh confirming that we want to buy the house till now I mean the price difference it makes more sense to get somewhere somewhere centralised ah


but then again if it's not your own house if the owner decides to sell at any point in time you may have to be evicted in that sense


ya it's not that bad lah especially if if you don't if you're not if you don't have kids and all it's not so headache you don't have that many commitment ya


ya no money all no money


no no nothing has started so it's only the it's like a down payment of five percent plus five percent because I think only those who are above thirty five years old they need to down ten percent straight away but for us because we were younger than thirty years old right so we just had to pay uh five percent first and then another five percent came later


ya but good thing is I mean but at that point in time the both of us we have been working so we have accumulated a certain amount of CPF in order to pay off for these this things lah


six hundred and fifty eight I feel to have


comfortably ah would be about a three four thousand per person because on top of that you have to pay for your own utilities you have to pay for the additional cash to pay back the loan and all so is is definitely not a small amount, ya I mean comfortably lah


ya so so that is that is already considering that I'm already deducting the maximum I can deduct from CPF to pay back the HDB loan and on top of that I still have to top up cash, because there's a limitation of how much and they can loan you,


yes so at that point when they reassess right they will also see like , like how much are you earning uh how much you're clocking in CPF in order to pay back that loan


i don't know I'm not I'm not a person that does much investment because I find that it's very risky I'm a very low risk


ya but the thing is when you throw the money in if the money don't come back then you will have a headache also mah, yes and of course you have to see who your sources are don't just go in blindly look for for for trustworthy people to guide you along


that's different I mean like if it's a like a endowment plan kind of thing that's quite okay it's reasonably low risk


but if you're telling me to invest in something like okay someone tell you that [oh] I have (um) (uh) this new property coming up (uh) they need certain amount of investment in order to start building and all that [one] I'll be a bit skeptical [lah]


negative experiences, okay injustices ah err


like how some people they're just really bad people bad people who are just living their own life when they have caused shit to other people, like


for example like my friend who committed suicide because her husband cheated on, her but uh and but then her husband is, doing completely fine now and being together with the the woman that he cheated on her with without feeling bad at all


it's a very good question I think she knew about it for maybe a year and I I I mean she didn't she never shared any bit of this so it's quite sad because when when I noticed that she started to lose weight drastically I actually asked her if


you know she was going through a depression or if she needed any help but she said she's not ready to share, and I just left her as it is I I still talk to her every day she's my ex colleague so I still text her everyday but as time goes by she just started sharing lesser and lesser what we didn't know was that she was actually planning her own funeral she actually uh like


uh draft up, all the documentation book the funeral parlour err prepared, all the documents to state like her passwords and whatever or her her last notes to her her two sisters and her family so she plan everything herself and we only got to know that nine months down the road when she committed suicide


ya ya, and today is actually her birthday , so I mean it has been, about, three years since she has left us


but we still miss her a lot and we just hope that some justice, up there can be given to the guy who made her like this, lah some karma


so what about you what are some injustices of the world that make you angry


there was no please no thank yous


I mean you shouldn't do onto others what you don't want them to do onto you what


can't think of one at the moment how about you


that's perfectly normal because when I was in australia Sydney when we were crossing the the immigration checkpoints the immigration officer actually took my passport and threw it back at me, ya so, I I don't know but I guess it's uh like they just don't like the chinese looking people I guess


and when my when my crew were gathering outside the immigration uh like the the whole uh immigration area right they gathered together because they don't know where to go to take the bus so they had to wait for wait for like my others colleagues right then the officers just decided to do a spot check on them open all your luggages


what I don't understand is what makes them think that they are so superior


any dreams per se so I guess


there's nothing what about yours


describe a time when you feel awful after


I I mean to me is I wouldn't want to help someone go through something like that because they don't grow up from there, trying to be a helpful sister


this rash is very scary it's like, I think, uh when I read online it comes because of the stretch marks, so when the this stretch mark comes and your skin is too dry and you don't moisturise enough whatsoever, then it starts to get worse but mine is especially bad at night when I'm sleeping it's so bad that I actually scratch my rash till I wake up from my sleep and it is starting to scar my stomach


and it really feels disgusting because it's like you can feel all the little tiny bumps on the stomach cause I have scratched it so badly that it's it's like bits and pieces of pop like little bumps all over, and then when that happens I can't sleep after that because I end up worrying about uh about how I'm going to take care of their second child when she comes along


and and how are we going to afford to pay for the things for the second child so it's it's kind of like it's like, I, I I will just end up uh staying awake at night and then I get so tired in the mornings


ya is a is a scary scary thing to go through but as they said if you go through it more it will get easier, , oh I think that's when my ex boyfriend cheated on me


, so he went he told me that he had to go on business to thailand with his friends, which we all know is bad news when you hear that kind of shit, and then err when he went there uh apparently he went to like find thai girls and stuff


and when and at that point in time I was staying together with him, so when he came back and while while he was asleep I realised he changed his password for his phone so somehow or another I managed to see the password as he was typing it so while he was asleep I went to see the phone and then I I saw his chat groups of


all the all the nonsense things that they had been doing so I was shivering in anger at that point in time, I believe that's the first time I mean to me is if I didn't catch you before then it's me being stupid lah


ya, uh I I'm not too sure but anyway err I took it as it's the first time but I still forgave him then being stupid


and then from there I gave him another one year to prove himself but I couldn't get past my own hurdle of trusting him so then I decided to leave him but it was a good thing because he set the benchmark so low that when I when I met my husband after that I was very happy


but this guy was not a close friend of yours


must have been very desperate, , ya really some people you they just don't deserve to be in your life I mean you only have X amount of time in a day in a week in a month to spend with people that you love


choose who you want to spend with and not waste it on all these useless people lah, describe a time when you felt like giving up


because I don't believe in giving up, , describe a time when you were looked down by your


it has no impact on that relative what, , well we all have that relative in our life, mine, I guess it's that moment when you know you decide to go to poly instead of JC but you have that bunch of relative like a special aunt who just thinks that people who go to JC are more superior


so at that point in time I told them what nonsense lah I mean even my even my school teachers lah at that point in time the moment you say you want to go to poly you are literally outcasted in the car in the class you're invisible to them, but to me is what's wrong with poly seriously when I went to poly I came out as the top ten in that school I was on director's list after that so like honestly I just don't give a shit about what they want to say lah


so whether they look down or not it doesn't matter to me because, better that it's better than going to JC forcing myself to go through two years of of difficult things that I don't like and having to stay back retain or whatever and go through another additional year that's wasting my time what so might what that's what what actually happened to one of my cousins so


I I actually told my cousin at the end of the day I encouraged him go and do something you like even if it's in poly or whichever at least it's something that you are interested in you will have the passion to go through that course, ya ya, he actually pulled through and he enjoyed himself so much he started to write music write scripts


he's, talented in that aspect he's creative so it shouldn't be wasted in on courses like those english literature, ya ya, so I'm glad that he, went through with his dreams and his mum actually allowed him to do so and he's much happier


I just live each day but by by the moment, , honestly I think there are but I can't remember at this point in time, do you have any


every situation with my mother, because with my mother there is no fixed plan, plans are changing at every minute every second when you're when I'm when I'm, I have a a day plan a schedule plan well already she just have to come and throw a spanner into the works


it's like you plan to go at go to point A point B point C but she tells you no we're going to meet someone so we will change we'll meet that someone first, and then we're going to point C then we go to point A and then we go to point B and then as you're going to point C you realise that !hey! uh you know she decides to change the entire plan for the rest of the day


ya, so it's very frustrating


positive, experiences, okay that was a positive experience, okay, so what makes you


well I think I like that feeling of you know doing working hard for something and then, uh accomplishing something at the end of the day which in my in my terms of workout would have been my frisbee days uh my badminton days didn't count lah cause my badminton days were quite Chillax until I came to see frisbee and I was like oh my god how the hell how the hell did I ever like go through


four to five times a week of training and each training lasts for at least three to four hours and it has dragged on till six hours before and it's under the whether it's rain or shine we are out in the field and to the extent that when we play when we go for competitions it's like it's not just a one hour it's like a like a


three hours four hours under the sun in one whole day that I became so tan no my family practically didn't recognise me lah but, the feeling of playing a team sport with your teammates and going through all these milestones uh all these learning so much and experiencing so much it gives you a sense of accomplishment at the end of the day whether you win or not


ya, so it I I guess that's also what pushed me to go into events eventually and from there it taught me that it's always mind over body even when your body feels like it's going to collapse use your mind and push on so even when I was doing the shittiest events that I


had, the the craziest events of bringing sixteen hawkers and setting up a hawker stall in a outdoor park, it was, it was different because you know you won't you don't want to let yourself down you don't want to let your teammates down your colleagues down whoever it is so you push on and you just do whatever you can to make sure that it's a successful event from there that's where the sense of accomplishment comes and it's is just a very different feeling


ya okay, in the post COVID world who or what are you newly thankful of or appreciative towards


is my usual pillars my husband because he works very hard to ensure that he has income coming in to support our family even if he has to work like two jobs, then my sister because she's always there for me, helping me with the children listening to all my rants being my confidante uh letting me complain all the time uh and also my dad my dad he's always helping to take care of the family so good thing is I'm still living with him uh he buys all the groceries goes to the market makes sure we have food on the table


so, very very very very lucky, describe a fond memory you share with your loved ones


I wanted to until I got pregnant, , but well it's a different kind of happiness


travelling I miss travelling I really like to travel I I guess travelling is, fun for everybody because it's like you finally get to go somewhere and just spend whatever you you want to spend and to spend time whether you spend time spend money or buy whatever that you want to buy but well after this pandemic it's a different kind of travelling experience


cause although I'm used to travelling with my husband travelling with my daughter alone, this time we'll have two two kids oh, I don't know I don't know, how it will be traveling with the two kids, (uh huh)


I know right then then it if I train them to travel like me they will be that Doraemon lor they will become all the Barang queens, they will have everything in their bags like me


where do you want to travel to


you haven't been to korea right, , ya korea korea's quite fun too I think it's pretty similar to to china in the sense that there's a lot of history there's uh a lot of sightseeing to do but uh china I I definitely will prefer china too because china at least there's no communication breakdown


ya, yes ya, ya, and there's so so I think so many nice places in china that you can visit as well,


uh good question that would be my daughter because I gave birth to my daughter on my husband's birthday that's the best gift for him, , I think I think no other gift can ever fight that, ya


and unless you consider my second one if my second daughter comes out on my sister's birthday then that's another another big present, ya , describe a time when you can't which one


uh I nevermind you carry on oh yes


!wow! your favourite, that must have been so exciting, is that more exciting uh to go for the concerts being surprised or is it more exciting when you know that it's coming and you're attending the concert


but as in if you if you compared to when you knew you were going for a concert which is more exciting,


but it's a it's a good surprise, ah ya, so then then describe the time when you can't wait to attend a special event or concert, (<B> mm) yeah free tickets


it's totally different, I don't think I have I, I don't think so , , I think the only the only kind of events that I cannot wait uh to attend uh no to attend I cannot wait for is for the event to end


because I have to I have to, do the event myself, so, it's usually cannot wait for it to finish get it over and done with, okay !wah! I think there's too many times I


you know what they say by like the <mandarin>笑点低:xiao dian di</mandarin> when you're when you have very low triggers for laugh, the, you you basically laugh at everything, so that's that's probably me


that would bring me back to one of the events that I did because, as , usually for events you don't see women running the operations on things like electricity gas uh water piping and stuff


but, in my one of the most traumatic experiences of events, the three of us three three women we actually planned and executed, an event ourselves and we had to work with our US uh partners which were all men and they did not even uh take our advices into consideration


so we had to take certain risk in order to push through with the event so when we actually we told them that for gas tanks we we need the big gas tanks, but I think they have never seen singapore hawker style of cooking so they just ignored ignored ignored whatever that we advise them and we usually use like you know those uh


fourty kilograms of gas tank the big ones, so in in in US what they gave us was a nine KG the tiny, tank so I ask the guy I said how long do you think this gas tank can last


because I, can tell you very very clearly this gas tank will run out within one hour of me boiling soup, he didn't believe me because they don't do this this kind of cooking in in US, so I, had to take the risk and tell them that you need to station a person to


make sure that the there is a gas uh like a gas garden we call it where you have many different gas tanks in one caged up area so that guy has to be in charge of switching the gas piping into like different gas tanks when it runs out, so thankfully we activated more manpower and tried to get all our additional big gas tanks to come in at the last minute and


the event came out successful, even for the water as well we told them we told them that the water usage that we have is crazy it's like forty four thousand litres of water


they didn't believe us, they thought we were talking nonsense, until they saw it happen themselves and they say oh my god I don't know how did you all do this event, and it wasn't the first time that we did it we did it a couple of times already


so then that's why when you have experience you gain that success and you gain more experience from there


oh my god


it's a wonderful experience, and then after that the whole week of walking like crabs


, , ya that's why you need to buy insurance


probably don't really have any cause I I just love to eat, tell me about your best meal


it's a whole farm to table experience that you can never have in singapore


okay


okay what I look out for in insurance agent would be their sincerity their honesty and their knowledge uh and their experience in the business, and how their ability to understand my needs and wants in order for them to customise plans suitable for me


and if what would I ask them would be the years of policy to be paid the coverage of policy how would they create a portfolio for me, down to savings endowment investments retirement et cetera the sum insured and when is the cash payout


uh usually yes because they would know better about what uh they're what the plan is right so it's better for them to ask me questions rather than me asking them questions, ya, okay so what about


term life insurance or whole life insurance which one do you think is better for you


no I don't have any ILP at this moment but I'm looking into going for a course on ILP this saturday, okay let's see uh do you think CPF insurance coverage is enough for your insurance coverage


I think no it's not it's not enough as a insurance coverage because it does not cover post hospitalisation recovery like follow up visits to the doctor or any outpatient expenses


so ya there're also like, yes that's right there're also like withdrawal limits to government health insurances as well


okay !wah! that's a lot of coverage, okay and what do you think about , dependent protection scheme


I would also think that the sum of forty six thousand is not a lot if we live up to sixty years old, I mean this is this is only covered when it's terminal hospitalisation cost would have been much more when a person is at terminal stage already


what about MediSave, I feel like MediSave is is a scheme you know that helps, CPF members save for future medical expenses but yet at the same time err I mean it's a good initiative by the government to set money aside


for our medical uh stuff, but if we can only take the sums out, during the emergency time rather than when it's terminal or critical, right


yes that's right, oh really you tell, tell me more about your give uh giving birth experience


so when you were in the hospital giving birth right what was like the initial payment like were you able to take from your insurance or


okay I see I see


I remember last time when I was young right I was hospitalised for asthma but uh I wasn't covered under insurance or so and my mum had to pay with her uh company uh, welfare the company staff uh medical expenses welfare to to help me with the hospitalisation fees lah I mean I was very young I was like


seven eight years old, ya so of course I wouldn't have the ability to to have that amount of money for my hospitalisation and ah I I remember at that point of time right uh three days itself was, almost uh ten thousand if I'm not wrong or probably about twelve that was then but now I believe that


the price would, better definitely be triple the amount of whatever that I


second one coming, so for your insurance agent right do you plan with them or do you normally DIY your plans then then they help you with it


I I have this uh CPF investment that is , I think they they they do uh investments for, like general, commodities like gold uh investing in companies et cetera but it's only with your CPF money so you don't have to fork out any cash at all


and ah I I took that up I think, four years ago but now because of this whole COVID issue, uh the the amount of investments has has actually dropped, ya ya have


well I mean investment is always like that it's not a it's a risk to take when you do investments it's just uh you try to find a better investment in the terms of, the risk is lower, and the I mean of course the return return would also be lower as well lah


but it might not also grow like my case you see the the amount has actually drop, but it's fine because I I'm not buying a house yet so it's okay, so what about yes, yes, what about your house I mean like


how much have you paid for it and things like, that if you don't mind sharing, okay !wow!


so you have already paid almost like seventy over thousand at least, cash , CPF , okay but if you don't work you won't have that money also lah that's one thing


yes especially in singapore


ya location is a is a is a important thing also


okay, I'm thinking about , not buying a house why because of the interest that needs to be compound added to whatever that I've been quoted for, that will be ridiculous lah I mean yes I've either way if you don't work you die right so


I would rather rent a house to be honest because renting a house I don't have to worry about the maintenance, I don't have to worry about, , paying for renovations, I don't have to worry about uh


I mean anything that that's problematic in the house, ya yes, ya I mean I would have to find another place lah which is I think given the


circumstances and the situation in singapore right now I think it's perfectly easy to find, ya it's not that bad, yes more, ya moreover there are so many up and coming uh plans of condos of houses to to to people I mean how many singaporeans can buy


, this is a huge issue in singapore now right all no money, so uh, okay


for your HDB right what what do you uh, the initial down payment after that you would that's not including the the initial payment yet right it hasn't started right


!wah! that's quite that's also quite Xiong hor, okay but don't mind me asking right to be to be able to afford a six hundred and thirty five is it thirty five thousand okay six hundred and fifty eight thousand house in singapore right


uh what would be the average amount that you have to earn a month to afford that


but then again ya, you I mean CPF you can take money out from CPF for that right per month


and that that goes by uh how much you're earning also lah


what do you think about investment then, ya like money investment finance investment whereas like uh ya something like the CPF investment but using cash to invest


okay I I'm a very high risk kind of person but, but sometimes I'm lazy to just read through the terms and condition lah I would just throw the money in and wait for answers,


correct so I must be prepared to lose that amount of money before I start investing,


okay so that means you don't mix insurance and investment together [lah] like an endowment plan or something like that


negative experiences, so what are the injustices in the of the world that make you angry


so how long did your friend , know about it before she committed suicide


oh my god


that's really really sad


for me it's not really a, not as bad as yours, mine was, mine is just basically it's all about human humanism, like when people have no consistency in in integrity, when they are swayed by influences and can give up their integrity just like that


you know so like people who have disrespect to service staff, like I I went out with a friend the other night for dinner uh yes I know that mandarin is not her main, uh language but


I think she could do better even so I mean she is educated, she is born in singapore she studied mandarin I think she can do better so what actually happened was that we were having dinner at uh some fish place Chongqing fish place


so she wanted a bowl of rice, all she said to the staff was, I I mean to be honest, I was I was quite appalled lah at that point of time when she said that because


ya there was no please there was no thank you, I mean why why so self entitled you know you you have no right to do that because, they are people they are humans they work for living as well you know they are the same as us


ya and I also have like this friend who would complain about, like let's say if he go and buy a drink, the lady took another dollar out of him, but he didn't he didn't tell it to her at the point of time only when he comes back to us and then he starts to like complain about it


so I so when when this happens to him right meaning that when he tries to take another dollar out of someone let's say he's giving a change to someone and he tooks and he takes another dollar out of them he keeps quiet about it


I mean why why the double standard is there's no integrity in the way you live you know, ya, ya these are injustices that I cannot take rudeness self entitlement and no integrity


ya ya, describe a moment when you felt like you were treated unfairly


when ah I don't know I don't think, if, this is a little bit racist or anything but I think that experience was just how I felt that I was treated unfairly cause when I was in Melbourne airport


uh, the lady at the counter was very rude when she served me and an asian lady before me ya, on at the check in counter, ya but she was extremely courteous to the next lady who happens to be a caucasian lah so I do not know if I mean she's just


having a bad day or you know we we we don't look good or anything like that


ya they can be quite rude lah but I I don't know if I think it's probably the way that they were being taught, taught to , I have no idea


this ya, so what dreams of yours die a little day lie die a little with each passing day


I dream of becoming a physiotherapist, but, it does it will not happen, as I know it for the next ten years at least because, I'm helping my dad with his business right, and


to to make to become I mean to study again for another five years would actually take quite a lot of time and money to do that, because I've always wanted to help people help them feel better, and my love for for


uh body anatomy muscles, uh the the thought of helping people to create more awareness with their health lah would would, would be my dream also, but then again right now , working with my dad is not a bad thing I mean we deal with financial business and we we work like a bank we help people when they are in need lah


ya so I guess that's also another way of giving back to society, the only time I've felt awful helping someone is


when I had had to help my brother with , his army issues ya, that was the only time when I regretted not, , standing up for for his issues and


to let him go ahead with, with that that issue of the army


but obviously at that point of time I was really just, no probably I was just floating I wasn't even thinking, if if I had the chance to do it again right I wouldn't have, cause then I would have lost my integrity


ya, so what keeps you awake at night, oh shit , tell me more about the rash


, ya if I have, to teach a new class of yoga for the next day then I would, I would be very nervous so when I'm nervous right I would think a lot


and ya that that would be the things that will keep me up at night, ya anything that requires public speaking then I probably would be nervous


describe a time which you felt betrayed, , okay how how did he cheat on you


oh no, is that like I mean is that the first time that he's cheated on you or it has been a couple of times


so probably I mean it probably wouldn't have been the first time lah


okay that's that's good, it was a time when I was going to service my car with my friend, so that friend brought me to this workshop that he frequents lah so to me it's a friend is a friend I I don't think so much about a person right until I have negative experiences


so uh, instead of uh so after servicing instead of paying the same amount he quoted me a higher amount to pay so that he can cover at cover his own cost, and when I found out about it right, because I kind of suspected that you know why why did I not pay to the workshop why did I pay to my friend because my friend was telling me that oh just you pass me the money and then I will help you to pay it together so I didn't think that much at that point of time but only


after when I got home I realised that !hey! you know maybe this is something that he has been doing and had been doing, so, ya that that was when I felt like okay maybe not everyone is my friend, you know


not everybody who talks to you can be your friend, he was considered quite close to me because uh we met up almost, two or three times a week, ya so I I believe that that is close I don't even meet my friends two to three times a week now


ya, ya but I guess maybe that is just his character so back to that integrity thing he doesn't have integrity I think he doesn't deserve to be in my life


I, can't think of anything at this point of time maybe you can start with it first


err, I don't think that was being looked down I had this experience with my relative I don't think that it was being looked down by by them, but, he was very concerned about my orientation


so he mentioned in front of my dad, that, he hoped that I could, become a better person, for him, for for for that relative


I, I don't think it was right of him to do that in front of my dad because my dad didn't say anything at all, but, you as a relative who are you to say something about me, right


and whatever my orientation is I don't think it matters to my relative at all my life is my life, ya, what about you ya, ya exactly, ah but I guess he was drunk that's why


and did he did he manage to go through it


ya ya something that he would fare better


what what dreams of yours do you have, that, dies a little day dies a little with each passing day


okay do you have any embarrassing moments that make you cringe, embarrassing moments that make me cringe


err oh, there was once when I was in primary school right, I I went to the toilet, and then and then I came out with poop on my back I do not know why


that was that was very embarrassing because even like thinking back now right, it's like, how did I ever walk out with that you know the the smell was so strong but I was young lah so maybe that's why


ya (ppb), do you have any situation where you were forced to change plans against your will


positive experiences


okay so uh, definitely the thought of an end goal the hard work and accomplishments to get there, like uh when I started CrossFit, I didn't know that I was in for


I didn't know that I thought that I was just in for exercising, but I didn't know that I was in for more when when something can change in my head it helped me to it taught me to persevere, things that you know when I'm, almost tired and


and dying throughout that one hour class, what helped me to persevere to go further away, to get to the end goal of that one hour and tell myself that !hey! I have accomplished, things that are done


uh all the hard work that I've put in to get to where I am


it's like a teamwork lah


very appreciative to my partner, and uh ya because, she needs to tolerate my nonsense, my frustrations my temperaments, my rants and and ya


and my nagging yes, ya and also thankful to my CrossFit buddy who keep spurring me to workout, even we're not, out we're at home because when I'm at home I'm just so lazy right don't even feel like working at all ya so I mean she helped to spur me on and


therefore I'm able to workout as well lah, ya what about you


that's that's very good, fond memory that I share with my loved ones okay now I have an idea uh


when when I was in europe, with my partner uh, we were we were at hungary we were, we went to hungary we went to uh, no


I was I was hungry every day because it was so cold it was so damn cold every day, uh ya I mean, I love to see culture I love to look at history and things like that, but uh


apparently the people in hungary is they are a bit uh, unfriendly I guess it's because, they were only independent after like, lesser than singapore if I'm not wrong thirty over years, so they were going through war and people were just not really open they were like singapore when they were seventy


when they were in when we were in seventies lah, I mean the building the structures everything is beautiful, uh the but, just the the people are not that nice lah but other than that I think europe has got very very nice history and culture


that everybody should go and, go to europe at least once, in their life ya , , yes it's a different kind of happiness


okay, err so, what are the things you most look forward to when the pandemic ends


!wah! congratulations, I think it'll be fun you have to train them to travel like you


okay, what do I look forward to you mean after the pandemic ends, uh also to travelling a lot a lot to travelling as well, and also


(ugh) lot loads of places but the place that I want to go to is china actually I've had I've had enough of europe actually so I would want to go to china to explore all different parts of china, I mean if you're talking about mountains sea scenic


china has it all, I have been to korea back in two thousand and eight, that was very long time ago but I mean I would also want to go korea but china would be number one for now


ya at least I mean we are chinese right so it's easier for us to speak the language, over there to get around and things like that


so what's the best surprise or gift you have ever given someone, , !wah!, yes yes that that that is really a best gift


yes I agree with you ya, that would be another gift yes,


so my my, best (uh huh), sorry what what what did you say, oh no I was going to tell you about my surprise so a friend drove me a a friend told me to drive her from singapore to KL because she mentioned that her mum is in need of help without asking I drove her there


but when we got there it was like, a place where I didn't didn't think that, somebody needed help lah, so she directed me to an open aired stadium right and the next thing I know I was sitting there for jacky #cheung#'s concert


that was one ya that was one of the best surprises that I ever had, ya it was very good it was four hours leh


I didn't know that it was coming, of course uh, of course, it will be exciting if I know that I'm going for the concert but ya because this is a surprise mah ya this is a good surprise


ya , it it goes back to this concert it goes back to jacky Cheung concert again so my sister got me tickets to to jacky #cheung#'s concert right


so, ya she only had two tickets right so I was like, should I let her go with her husband or not because if not then the both of them cannot watch and I would want her to watch the same uh concert as him, then uh she she was like okay it's okay just go just go you know and so I went I was very excited I went with her husband because


I mean it's been five years after that surprise concert, I love I love jacky Cheung, and listening to him live is so much more than listening to him on records, ya


ya what about you, was there a special event that you cannot wait to attend, , okay so did (uh huh)


, , , , that's a good one that's a good one


and describe a time when you laughed too hard


okay that's probably me as well, , how about a time when you , took a risk, and you were rewarded with success


!wah! that's that's very good that's a very good uh feeling of accomplishment


, ya when people don't experience something they don't , they don't know how it is, so everything comes with experience isn't it


mine was when I was in mount #kota kinabalu# over the span of two days so we had to climb that mountain right that mountain is about four thousand metre high


it takes about if you're going to it took us six hours to climb up half the mountain on the first day, ya the sweat the aches that lasted one week of walking like a crab, and almost giving up halfway through and on the second day itself right we wake up at two AM with just a head head torch right and not knowing what's ahead of us


so the moment we got to where we had to start to climb up the mountain the peak of the mountain uh we were, we were given uh gloves and just a single white rope to hold on to so every can you imagine everybody is like stacked above one another climbing up with just one single white piece of string is that kind of rattan rattan string lah


ya so it's very dark you cannot see who is down who is up basically you can only see the head torch when you look down, so it's like one small flaring light kind of thing and then the next thing we know that ah the air is very thin up there


because the lack of oxygen right so people were starting to feel a bit dizzy people wanted to have people uh some one of my friend started vomiting actually because she didn't have enough oxygen so she didn't make it to the peak of the mountain


it took us another five hours if I'm not wrong to climb up to the peak of the mountain at from two AM so when when I got to the peak right the whole uh, the feeling was amazing it was


astounding, the view was really out to the world, it's beautiful, the whole of it it's as if you're standing you're just one person standing there looking out, towards the world it's a panoramic view of the world ya you're you're you're like one person standing inside your eyes to look out of the world it's it's that kind of feeling I can't even explain how it feels like that moment of success


ya but it took us ten hours to walk down ha , , yes exactly, I mean that that was one of the best best uh experiences that I took with risk lah because we we


I mean it's not that there wasn't any accidents before there were a couple of accidents there before where people fall off the mountain because it was not safely secured, basically you are just risking your life climbing up the huge rocks, but of course there are guides


who are there to help you along lah, but accidents do happen mah, ya, yes you are right


did we did I ask you what was the best meal you've ever had, , the best meal I've ever had was in uh


was in Bali it was a silent retreat so you don't talk to anyone you're just there by yourself you don't even to smile to anyone you don't need to talk don't need to look at them, uh I guess maybe that's why it hiked up my senses for quite a bit


when I had the first meal, at that place right uh, I was blown away by the taste I was blown away by, by all this vegetarian food the sauces the smell


(uh) ya basically, even down to their harvesting right it's all natural and it's all just made from their garden


part one financial related topic


okay so err I think this is about the err loans right err for mortgage loan so HDB or bank loan, ya I think both of us err are not on HDB loan because we bought err private err


so but I think we can still talk about the difference HDB and bank loan because I think err sometimes our friends have the this discussion so, err, what do you think which one is better if let's say we are buying HDB


ya actually that time err the last time long time ago when, I actually wanted to apply for BTO err at that point in time I didn't know that HDB can actually apply a bank loan I wasn't aware of that like err I thought it's only natural that uh HDB you have to apply with the HDB loan


right because they had like the I think the bank the loan section that was like just beside #toa payoh# hub something like that uh if I never err remember wrongly so at that time I thought only err, when you buy HDB you have to apply for a HDB loan


ya so I was err I was just having this conversation with my friend that day so , he was very adamant about applying for HDB loan instead of, err bank loan for his err new BTO so I was just asking him why because now bank loan interest is very low right like err if err we are using SIBOR or what I think now is like one point something percent


but I went to find out err because I wasn't sure what was the current HDB loan and I was surprised to find that it's actually two point six percent now, which could be almost twice the rate of what bank loan is so ya that's was err I was I was quite shocked to see to to to to know that but I mean there are people who still wants to go for HDB loan of course ya


ya so I was err so I went to err find out a bit more err of course there's like pros and cons in, and everything so I did find out that their LTV the loan to value err for HDB loan


is actually ninety percent whereas err we are paying seventy five percent so I guess err you know now election they are still talking about err we can own err HDB without cash right so I guess that's where they're that's what they're talking about because the ten percent can be fully paid with CPF so


the person can have zero savings and still buy a house so but that would be impossible with err bank loan so I guess ya so I guess those who do not have much err savings and they want to start a family then I think that's the only way to go


, so I think yours right now err your spread is err quite low right now


err so total is about one point three now, ah okay, ya so you are enjoying a very good rate now mine it's on uh I used I used to, be on UOB and then err I err refinanced I think last year so that was like before the COVID hit but because mine just nice hit two years


so my interest rate was err getting quite high so I went to refinance and mine now is with DBS and DBS doesn't have any SIBOR, they go by the FHR which I'm sure you're you're familiar with which is the fixed


it's err home loan ah which is the their fixed deposit rate lah ya so I'm using the uh FHR eight which is the eight months running err, fixed deposit ya so I think mine they they just send me a letter and err it it it is reduced to I think two point one after adding in everything so it's still considered eh no one point eight so it's still considered a bit on the high side compared to the the rates today


ya but no choice, ya err, but I think this is a always a question right so it's like people asking is a freehold better or lease hold better


err for me, I think it depends on the time and depends on the risk appetite for me I feel like, the, the interest rate is going to remain low for the next couple of years so uh for me at this point in time if I was to take up any loan I would go for the SIBOR and take a chance ya


and then err refinance every two years


ya ya and you know what, ya exactly and I was just thinking because I told you that I was trying to look for err the investment property right, so uh I was actually thinking whether it it it is better for me to go for a fixed rate for the investment property so that I can calculate my my cash flow more accurately right rather than the sibor keep changing and then I have to redo my sums every now and then


so I guess maybe there are people who who will still sign up fixed rate to know that like what is, exactly their cash flow at the end of day for their investment property and stuff, yup


err err yes err I bought and I have not sold it uh I'm in the midst of selling mine, so ya mine is a new condo so I bought from the developer so I didn't have to go through you know like agents and


as in like err mine is from the developer I'm sure yours also the same so I think our experience is the same, ya so I think the question is about , what's that the, fees right


ya so I think for buying it's our first house so we don't have the ABSD which is the additional buyer's stamp duty so err we didn't have to pay that I think they have increased it now the for us the second property is twelve twelve percent right


ya which is very high ya which is very high so err we didn't have to pay that so we have to pay no err no agent commission fee also because that's paid by the developer to the agent so but we have to pay like err lawyer fee, I think that's one of them and then I think err we also have to pay for valuation right if I'm not mistaken


yes the buyer's stamp duty so the buyer's stamp duty ya correct ya the buyer's stamp duty which is err top err I mean I can't say it's err ya depends on the purchase price of your house ya


uh yes of course err I use err I wiped out my, CPF err together with err my wife and then err


of course because we bought a house that time we just barely started, working right and we are the same so err no choice err I I had to top up with cash ya quite bit of cash err on top of the five percent ya so ya so I I made full use of the CPF


yes ya I think the process was very very err easy err I have to say err the process of uh using you know like the the the lawyer actually uh settles everything and they just asked what's the percentage you want I think for you you didn't have a choice right you have to


go on fifty fifty err co share for EC right ya, ya so err I actually had a choice but, err I wasn't aware of it so I also went with fifty fifty oh was a bad choice I err should have been advised otherwise so I think on that part if I was to complain anything about this process was this like no no better advice was given to me for a first time buyer


ya which err could


yes yes, ya exactly exactly exactly


because err it's our first time buying so we do not know what we do not know so I remember my experience at the law firm was like just keep, signing signing signing unlimited p papers and then after that and then you just leave , so ya but I'm I guess now we know so err it's a err lesson that we learned


ya I doubt, ya it's not applicable err I didn't know they did you also didn't have right you didn't have a grant


uh


ya ya but


ya me too I I didn't go for any renovation loan because I think both of us didn't spend really a lot, on err renovation so we kept it with within our budget so but err it seems like it's quite err popular it's, space where people will will make their house very nice of course it ya it it looks super nice you know the photos I see online sometimes err !wah! they renovated the like five room HDB to !whoa! it looks like really really nice man ya but I think it's not cheap too


Ang Ang #ang mo kio# got, !eww! who is #ang mo kio# guy the #ang mo kio# guy is PM


eight hundred okay, okay okay okay


ya because err ya exactly, ya so err so personally


personally I won't err because it's twelve percent right like we mentioned just now so twelve percent actually is a a lot especially if you come from a investment point of view , you are twelve percent err down from the other buyers so you know for investment I think the numbers have to make a lot of cents so when you are selling if you are already twelve percent down then you have to at least err price it err


at least like you know like twenty percent and then you are only making eight percent as compared to your neighbors who bought the same time as you so personally I think , for I wouldn't err buy another, investment property if it's err it if it has a ABSD so which makes it to like maybe two for for a couple like each under each other's name ya