intend to do or how long is it going to be like is it going be two short trips or one long trip or ya, ya ya I think speaking of that the first one is hong kong right, hong kong ya we were so excited because we saw about disneyland we were like okay let's just go and then ya so we


it ended up I think there was like all of the best first trips that we had together and , every ya ya it's like a must ya, will be queues of all those public holidays that falls like on friday or monday or tuesday that kind you just take a one day leave then you go for those four day five day trip and then come back


and then ya so it it's it's, kind of cool actually to do that, ah ya home-cooked home-cooked food home-cooked food is always the best I never never


never favoured eating outside no matter what the food is at home even if it's porridge I rather eat it at home


ya she she I think she has been to like many places to eat and there I am when when you tell me, pasta also I'll call her and ask her actually what's the pasta I'm supposed to eat because I don't even know the name she's the one who knows it better so I'm like darling what's the pasta I'm supposed to eat ah she will tell me over the phone


go back to home home food ya I'm all tired of all the burgers and pasta, I'm ya, ya and then when when we went to india it's like you know I'm all tired of all the Briyani that I have over there I I want proper home food


it it it's just different ya it's just different, ya, that's food, most about yourself, I love myself


ya what I love what I love, about myself I think err, I think I am, I don't know I think maybe I feel that I'm very positive when when when people tells me something I say no you know don't think about it like we think about the bright side and and stuff like that


ya I I I tend to get negative as well but as much as possible I try to keep it to myself or I try to, not let it take over into my life, I think that's one thing I like about myself but of course it it didn't just come naturally came a lot it came with a lot of


experience and came with a lot of err, life lessons ya that's the word ya it came it came with a lot of it it came with a lot of it so


who in your life you look do do you look out most to, I think I think my mom ya I'll I'll agree my mum


ya I think ya in that part ya so my my life was like , uh at the time that uh I was born my mum was serving the the air force and then after I was born she was actually serving the air force then back then for ten years and then she had to resign because I was born and


they at that time they didn't had like people to like take care of the children and all like my grandparents and all they were not that , supportive enough and stuff, so now had to resign and then , my dad was only uh sole breadwinner so I think it went on like that for the good err until probably I was like maybe


nine years old or ten years old I think and then after that only ah my mom actually took up uh a labour job so it's the kind like work in factory was a permanent night shift so she had to to do those this job that kind, and then she worked there for the good I think maybe five years or so or maybe seven years then she resigned from there and then she uh went for the course


and she started working she's working at IMH now as a healthcare assistant so she's been there since I was, , she's been there now I think for maybe fifteen years, at least ya so


I think my my the reason why I looked up to her is that amount of effort that she put into bring up her children, ya, I I mean I I I I realise it now at this moment because so my


ya they have to take care of themselves they have to take care of the children they need to take care of the house they need to take care of the husband like they take care of everything except for themselves you know that kind of thing and I think now I


ya and I think now I realise it a lot because like because, , Nisha stays here and then there's a baby in the house like a baby that's less than two months old and taking care of the baby is very tiring and there's only one baby in the house and I feel so tired to take care of him because there'll be nights where


where he he my mom and I takes care of him so he sleeps with us in the room and I I think so tired like sometime I literally wake up at three O'clock when I'm like the only thing I turned around and tell my mum is like you know what babies are really expensive, and then I go back to sleep because I I feel that it it sometimes I will


I'm not saying it's their fault but it it it is tiring to to take care of a baby it's not easy, ah it's a lot of effort no you you need to know how to manage your time you need to know uh how you can fall asleep how you need to wake up and you need to know what the baby wants you need to know if the baby is having any pain or feeling any discomfort you need to troubleshoot because they are not going open their mouth and tell you that


oh I'm having this pain you know so you need to open you need to go and troubleshoot and find it out and you only can do it if you have experience otherwise you are going to have a hard time figuring out what is wrong with the baby you know so it's like, I I I hate it so much now because there's a baby in the house and then the only thing I turn around and ask my mum is like


how did you take care of three children, and me and my my two siblings we all two years apart so that means if I was a newborn and then I had uh one that was two years old and the other one was four years old, and I the only thing ask is how do you take care of two three children at that time


at least not so bad at least not so bad because you already like okay you know you can you still can do things yourself ya and there there is like me and I'm probably crying, my way out and then there's the the second one who know his schools creating a ruckus in the house and then there's the elder one who's not doing anything at all so I I really don't know how she did it but ya


ya I think so but ya, then when I think about it I think like you ask me to have my own child I think I'll just I'll just get scared like you know what I don't want it's okay I'm cool the way I am I don't need to have my own child cause, really really it's ya I mean babies are cute and they're nice to have and all but they are not easy to take


care of it's like growing a pet you know like you really really need to take care and then and this one and, ya I think probably until he reaches like the age of three or four until he goes to like preschool you know it's gonna be like that and, ya I think it's it's it's a lot of effort it's a lot of effort you need to put in it's a lot of time that you need to sacrifice


appreciated for my hard work ah, I don't have as you have a specific time like someone actually sat you down and tell you that they appreciate you


ya agree, they feel that you are very you are very capable


ya but but to to gain that trust or to gain that appreciation that you actually can work I think it takes a lot of time, ya it really takes a lot of time like I think in my office you know it's like, anytime or anytime in the day it I've even received calls like at eleven twelve O'clock at night asking me something about work and my job is only nine to six like I work office hours and


but but but but by my my boss knows if he calls me and ask me he knows that the work is done or the work will be done, and and, that's what he does and then who I want to delegate the job to it's up to me but, it's up to me ya but he knows that if he gives me ya if he gives it to me it's done he doesn't need to worry about it or he doesn't need to think eh


ya I think in my workplace I I don't have a I don't have like care for a control like there's a CCTV back of me and it's checking whether am I doing my work or not I I don't have that you know as long as job is done, you are happy I'm happy work is done okay that that's how we work you know so I think


appreciation wise ya that's what I've gotten, I think I'm working there for like what seven years now coming october will be eight years already, working there so ya


she she's like a she's like those fireworks lah that those sparklers like that you know the moment you lit up and then it just goes off that kind, the swiss links sparkle, ya so it's it's it's a good thing you know you need to have the fire to see the fireworks


ya nicest thing someone has ever told me is that I'm nice and reason being because, I always have this , no no as in what no to what I meant is always have this stern and fierce look


so when when someone sees me at the at the uh first uh I mean what do you call that like , uh first impression ya so they always think, that I'm I'm I'm like strict uh arrogant


fierce, cannot make it you know that kind but then like over time people who really got to know me knows that I am not like that I think the most recent appreciation I got from one of my friend is that you know she actually texted me and told me that


you are really nice and you you really deserve the best in life and just be who you are because you do it the best the way you do it and no one else can do it you know so I feel very good about it that that you know I actually made a difference to someone and and


that person actually appreciated me for being there for them and and stuff like that you know so I think that was, the the good part of it lah so ya, do I get that a lot that, fierce strict stern and there I am like you know I got no time to


ya I I've been getting it ever since ever since like primary school I always get it like, oh you are fierce you are you are strict you are stern and I'm like you didn't even talk to me and how do you know that I'm strict or stern you know if you had come to me and I punched you right in your face and then you tell me that I'm fierce then it makes sense


it's like you know I didn't do that to you and you just assume that I'm, strict but then sooner or later I realized that probably just my face like you know when I just looked at someone they think that I I just out I'm just out to create trouble and there I am like you know I got no time to create trouble with you


oh my god tell me about it


some mountain ya I don't know what's the name


ya in Delhi that that was in Delhi right ya that was in Delhi


ya and and they have customer service officers but they they they are they don't have any customer service at all like legit no customer service you know that kind


ya I think the lowest we went what minus thirteen right, ya so


ya because we're not used to it you know, it doesn't work , ya, ya I think what ah when when we go out at night I think the latest we probably stayed on the day was uh nine or nine thirty and then we already back in the room because it gets colder at night and and


I think they are all not so much into the night life kind but they they do have shops and restaurants and all that open but it's really really cold and here we are you know like from a tropical country that that, I think probably the lowest deep in singapore was twenty degrees or nothing below than that you know so when we went there you are talking about minus thirteen minus twelve and there we are like you know


layers and layers of clothings and we're just like okay you know what we got to pull through this day we got to pull through this day we got to pull through this day and it it was really really cold like


oh ya we all had those dry skin, ya we all all had those dry skin so the skin was peeling off from the face, ya but I think uh one thing you need to comment there is their food the food was very nice actually


no no I I I would I would go back there but not, to Delhi maybe Delhi is just not the human friendly kind ya


ya they are not they are not uh, customer friendly that kind you know so they are all like, if they they find you like a stranger to their state that's it that you are you are just a stranger and you'll just be treated differently ya


part one financial related topic


okay actually for HDB or bank loan I think I would prefer to use bank loan what do you think


oh but don't you think bank loan is actually lower in interest, ya so even with the fluctuation of SIBOR I feel that sometimes I do pay lower


instalment than a HDB loan


, [orh] so bank loan is actually eighty percent only right lesser than eighty percent


I see so actually uh what is the , , anyway I just bought myself a HDB flat oh so I think basically the bank is offering quite good loans to me so yeah I'm happy with that


so your did you use any CPF to pay for your downpayment


ya I do I think so too I think my CPF was wiped out on my downpayment as well before they, actually calculated how much loan I can take so


uh ya you can actually lock in some funds in investment so it doesn't get wiped up, so how did you have any HDB grant


oh okay so not as , not as a staying near parents that kind of grant


okay so it's not just at the point of purchase so they have to actually stay there for five years as well


okay I'm actually I bought my mine under single scheme and ya I didn't take any grant as well from my understanding yeah, for proximity but I think because it's not the first purchase so if let's say I were to take the proximity grant I might have to incur levy on my previous purchase okay


okay so how about the home renovation so you did your own renovation as well


yeah so easy , ya cause for for me when I purchase the house I thought, I didn't want to do too much renovation so I just make sure that the house is like stay in condition move in condition so simple and just did very very minor renovation to the house


ya so then I don't need a H a renovation loan for this house cause it's just very simple touch up on the current situation of the house


I'm sorry delise I actually my phone actually got blank out


yeah, okay so okay so we were talking about the renovation of the house so no loan was needed to take okay


do you think it's good to invest in property, do you think is it good idea to invest in property right now


oh why so


okay, but how about the stamp duties, the buyer's stamp duties actually is, quite a large amount of money that will actually stop me from thinking of investing in a property right now


but still I think a lot of rich people are still investing in property


no matter how much they are needed to pay extra on , but I will think like it's still a good idea to do property investment lah, I mean overall we do get to collect rental income or I mean especially if it's a already a rented property so continue to collect rent along the way


uh ya ya ya income tax is needed to need to declare ah as your part of your income for rental


yeah especially if it's just a few hundred dollars if it's your own you are staying in the property but then of course if you are not staying there then of course the rental yield is like by the thousands right


so you think it's really enough the rental actually is enough for you to pay for the instalment for the the the current property


so I'll think that is I mean of course it's a risk involved because in the event if the property is not rented out you will still have to incur your instalment right


so ya so if, the and and if rental is down then you have to pay the instalment and if like you don't get to rent out in the amount that, you should you know be enough to cover your instalment it's the same you still have to fork out the difference as well yeah


but it's hard to find a property that actually can, pay for it you know hundred percent or even you know you get, uh earnings from the rental


already have tenants, so if let's say let's say example if I want to go for a property then I were to purchase a property at


this , let's say one million property and then my instalment is probably what how much would the instalment be five thousand, ten okay lor so let's put it like five thousand I think okay lah per month five thousand is quite it a lot already so you think the the same property can they will actually guarantee that you get a rental of five thousand


yeah, so that is what developers are are actually allowing I mean uh uh opening up this kind of uh perks lah


okay so because right now I think sometimes the rental market is like fluctuating quite a lot, so sometimes you get a lot of tenants coming in sometimes you don't


then anyway , oh, commercial investment sounds interesting but then isn't there a lot of uh commercial buildings that are actually emptied out is it really easy to get people to rent or


any and developers are they actually also offering like rental yield


yeah everyone wants somewhere that is convenient, accessible so those out of the way are again not easy to find the right, uh people to take


to rent or buy


residential wise I feel that


at least it's more secure cause commercial I think residential is more secure lah if nobody is staying at least I can stay , yeah


everywhere , so ya I think ya getting a a a, another private property will be a good idea, since already getting another private property will be a good idea anyway now already have a HDB


but you there is also regulations right having a HDB for how many years then we can actually buy a private property, [orh] so during this period of time will be just sourcing around and then looking out for a good deal [orh] until five years is up


oh so you actually get one price two units for the price of one, okay and then we actually get to have the rent free rental of a commercial unit


that is not a very not a bad idea as well, so ya which area is that, !wow! right smack at CBD then the price must be very high


!wow! okay ya but prime location lor, will consider that a very prime location


what do you think about credit cards usage you think cashback is a good good features of a credit card


yeah, ya if credit cards you know how to manage actually it's uh uh not not bad lah I mean I I think a lot of perks for a credit cards but of course that is provided you know how to manage and you get to clear them every month


so I mean in terms of cashback points rewards or miles I think cashback is still, a a a more a more, direct realistic way of getting ya


yes, ya so it's like direct discount direct rebates, yeah


ya of course and of course I think there is a lot of instalment plans that you can use on credit cards compare to not I mean compare to just applying credit card I mean applying for instalment, as and when or it's a more direct way lah to make big purchases


even without credit cards, ya


ya correct correct so that's why this is what a credit card is used for lor to make big to make big purchases use with instalment plans and, yeah but if you pay in full then it's okay lah you don't have to if you make the full payment then ya you don't have to worry too much about the interest rates that they are charging


the annual membership fee that they charge suddenly they will just charge to you and you didn't even realise that eh a year have passed


and then you'll be like , !aiya! so I guess just keeping to one or two cards is good enough compare to keeping like uh ten banks ten cards yes hard to keep track


okay so oh I'm single do you have actually a joint account with your spouse, it's easier to manage all these uh uh uh combined expenses right


if it's a combined expenses lah like your kids' expenses are all combined mah so if both of you park the same amount of money in the joint account then that money can use for the kids' expenses


ah okay so for joint uh joint savings in a way lah


I don't think so as long as not married still outsider yeah, I guess that's not the way it should be I think it's still within family I rather have a joint account with my mum okay


negative experience, in the world I think this


how US is actually controlling not controlling COVID is very upsetting to me, I think they are very irresponsible and they just think that having a vaccine at the end of the day will


cure the, the the the the the issue and not tackling with the problem right now, yes exactly so I think that is very


very yeah, that, ya lor I don't understand, by the number of population that they have why why how is it so difficult that to control this COVID whereas China can actually do it


only he is he's crazy he is out of his mind, think he's like uh anyway I think it's it's really very uh


it is just at US, loss to have such a previously a good president and now, a nonsense [orh] he's just nonsense, yeah


he is already in a mask I think he is already like, two in one his face and mask already he you you you cannot take out and gel together yes exactly


so ya I think this is the very super injustice, I think every other county are doing their best except for them


control this ya I mean he thinks managing a company is like managing a eh, ya think managing a company is like a like managing a country the same it's nothing the same lor


yeah so this is, ya this is really crazy ah, anyway I think apart from


uh anyway yeah US is just I think they are gone ah for a long time they will be it will it will take a long time for them to crawl out of the situation


yes the discrimination , yeah it's just asking for world war four world war four to happens in US it's crazy


yeah, so I, I think taken for granted will be the way think many a times it's like


you know my previous partner in my in my company he has like totally take me for granted and then, I'm I I'm like, up till now, even if he's no longer in the in the same company as me he's still taking me for granted and expecting me to service all his clients and then expecting me to follow up his renewals and cases I think it's


yeah, I I I am like sometimes when I talk to him, even when looking at his phone call coming in already I my I'm so heated up


I think you have heard me talk to him over the phone right, he actually does get a bigger cut than me so that is the even more yeah upsetting part


so he, that's the even that is even worse it's like I'm helping him and he's getting a bigger cut, so I can tell a lot of people and then everybody would tell me it's unfair lor it's like for the fact that he is just doing referral he is getting so much more


by don't not doing anything


yeah this is, at ya at least yours is fifty percent lor I I tell you he's like getting eighty


yeah I mean that is, this is a one-off deal compare to mine is like perpetual deals are all on eighty twenty only


it's a smaller amount but the effort is still there lor, because, it's like because in comparison to other people who do referral and I giving them eighty they do all the work


but for this person that I'm giving him eighty I am doing all the work for him, so which is very unfair, he's not he's supposed to be servicing his own customer and not pushing his customer to me to service for him and then whenever he ask me a question


it's like as if he's the first time, like he just asked me that day like what to do when there's a windscreen crack, you cannot just don't bother about him [orh] cause it's like there is still ongoing business so it's really like


sometimes it's very frustrating lah it's like you are talking to a three year old kid leh I mean and he used to be my manager lor to begin with, he used to be better off until things got worse off for him more think


but anyway it's really like crazy ah I mean I ask even any passerby anybody who don't know anything about insurance right, what would you do in the event of windscreen claim windscreen broken you would just answer me that go to a workshop mah


as simple as that lor, go to your authorised workshop [orh] then he have to keep asking me, do I have to do accident report then I'm thinking is there an accident there is no accident the windscreen just crack because of sunlight and all that then no need accident report lah then there's no accident to report what


a such a simple thing is like and you have to ask me I didn't even want to answer him the first time when he messaged me eh eh do I have to make accident report I didn't want to reply him that, then he ask again then I have to


he say don't talk to me like it is the first time it don't talk to me like as if you tell me this all the time I say I'm like this is not the first time I'm telling you no this is not the first time no no this is the first time I'm you are telling me this and he always insists, that this is the first time he's asking me when he always asks me the same question over and over again it's really frustrating lor


ya I hope


ya I need to cut away some people that are no good for my life but, anyway for now yes


okay, so what was the worst break off that you ever had


oh okay okay many boats, many many times


okay so do what laser also no use lah, [orh] the new one [orh], [orh] too


okay, yeah so I guess, a lot of times all these, things that, they will the leopard never changes their spots ah in short


so if they have done it once they would have do it they would have done it again and again, so no point forgiving


!hais! so happening, for the wrong reason , I think the break worst break off I had was with my so called ex husband during my divorce, I think a lot of uh mistrust and a lot of betrayal during that period of time


it's like, no he didn't betray me whereas it's my good friend that point of time who betrayed me and talking behind my back, to my husband then


it's like it's crazy ah I mean it's just that some people some guys were treating me well better in in at work, and then he go and tell my husband then that , someone is flirting with me and he believed her and start checking on me and start


like scrutinising what I'm doing who I'm chatting with and then every movement of mine he's he starts to track me so that pissed me off big time, they're not together as in they have nothing with each other but it's like he rather trust my friend than to trust me her his his wife then


ya so it was, and the friend of mine is also a very close friend [orh] at that point of time we shared a lot of


time we we shared a lot of time together and ups and downs and then it's like suddenly he she choose to betray me by you know telling him and then telling me that oh it's for your good because if I if I tell him at least he can monitor you


like craziness right then it's like I'm not a kid I don't need to be monitored and I can I don't need to be, like !wah! scrutinised through and then you don't have to tell me what I can do cannot do where I can go cannot go so I got pissed off


she think she thinks that I need to be controlled, but she thinks that I have no self-control that this butterflies around me will eventually you know


led me to a break off marriage but then, it's her actions that actually led to my break off marriage [orh]


he didn't believe but he choose to monitor me and track me everywhere I go so it's as good as believing right, so I told him if let's say you don't trust me then there's no trust in our relationship it's very difficult to carry on so if you think that I betray you then I will betray you in front of you


like I cannot be you cannot you know dare me you cannot, yeah so don't dare me or don't come and tell me that I mean you are like uh putting doing I mean as assuming that I did something wrong when I didn't do anything wrong at all


so ya feel very like , betrayed lor during that period of time it's like !wah! all my friends were thinking that I am the one who cheated on my husband I mean cheated on him that kind leh everybody thinks that I have found myself a boyfriend and then that's why I left him


[orh] she's not she's no more my friend and it's not one okay it's two of them, I I have no idea I think they are


they are they think they are very uh they think that they are doing it because for the best of me and uh yeah, ya but they are no longer my friends


yeah, I don't ya which I don't understand because right now if you want, to tell me anything that I have done wrong you have told me yourself to me and not through another person or through another mode that you think that will do me good


yeah and they think that they know it all they think that they're always right


and ya it's their way or the highway I choose the highway then, yeah and that's why I don't believe I mean I don't believe in marriage lor


because I think that it's just a paper to tie you down and then it's like, if you don't trust then even with a paper there is no trust also


yeah with or with or without that marriage cert it doesn't make actually make any difference [orh] to the life so I I think my


ah yes exactly, seriously don't need a letter or cert to tie down or whatsoever


yeah I think you should just be stronger on our own and ignore all this nonsense around it's there are I mean yeah


positive uh positive experiences, so what is okay so now let's talk about what what makes you persevere on is it your kids


are they your are they your strength, yeah I would think so too


ya for me I think ya I think my mum cause after all she is alone and ya I guess, ya I want to do things that make her happy then ya make sure that she is, ya lor happy in this as long as she is living here yeah so actually during this


post COVID, is there anyone that you are thankful for or you are appreciative towards


okay probably for me is I share with you lah okay I think during this period of time that even during COVID my mum is staying with me I'm happy that she is staying with me and then of course, sometimes not so happy as well cause she's a bit naggy but then happy because she is cooking for me [orh] and then it's like ya I really appreciate her being here ah


yeah not like you have to cook for the whole family right but it's a joy cooking also , ya try all the experience everybody after this COVID will be a masterchef


yeah good idea why uh what have have you ever thought of it (hmm) opening a shop, but I think cooking is quite tough lah sometimes I mean for the joy of it for a small group of family members it is okay to really cook as long as like a big as a business is different lor don't joke about it


mess production not mass production


okay, so are you looking forward to phase three, yeah


confirm I just had my dart game today, so it's it's very controlled lah so you can't really play with a lot of people they said that maximum four people in a board so but you the other two actually needs to book in other board


so two yeah so, because I saw somebody some one board have three people playing but they say that oh the other person actually book another board so ya you can actually play three together lah four people can play together so if you book another board then we can actually play doubles


yeah, yes alternate board and each board is one metre apart lor


I think two person one round table there is just one table one round table for you to put your things but every hour you must buy a drink, ya the hour but it's cheap it's like you buy a bottle of mineral water one fifty it's okay


ya it's very cheap, no no alcohol so it's very cheap it's only one fifty per bottle of mineral water, yeah , even if you don't finish you you can Tapau lor bring home yeah


so during this period what was the best meal that you had your own cooking, oh your strength is here


I think my mum's my mum's birthday was during the COVID period so we actually ordered crab, so ya so during this period of uh my mum's I was telling you my mum's birthday is during this COVID period so we actually ordered crab


and it was it was quite nice, it's okay


I think everything about me is laughable , uh ya ya like Sotong right


!huh! ya , oh yeah this one have will be talked about for the whole year the talk about of the year


the glass cabinet is already being touched a lot I think it has been hit on a lot of times already so I'm just like the touch of it will just crack the whole cabinet


it's not me it's not me it's not me , uh ya if the right point at the right time at the wrong time actually the wrong point at the wrong time


I'm shocked myself actually extremely , yeah and the best part was cracking the inside of the cabinet and not the outside of the cabinet lor


the inner strength , so do you think that is is it like


if let's say you are able to will you actually help people right now for during this COVID period, like a lot of those donations is actually quite, is it a I mean would you I think cause my mum was saying that she will if she could if she have excess money you know she will she will just try to help even my cousin was saying that she's very happy to actually donate out


whatever that she was given from government cause she actually doesn't need all these money all these extra money lah cause her company is still paying her salary, that's different lah cause they are not affected by uh financially so I guess for them they're happy to


you know give out what they have, I mean that's if you are able to, yeah, ya for us it's like a bit more difficult


and, I think this period of time also let us have a lot of, time for E learning and then uh cover up all our CPD hours for


okay but what I mean is you can cover all our CPD hours for the whole year we don't have to worry about the going for classes after this COVID period and can just concentrate on making more sales


yeah not like you have to sit in the classroom unlike unlike having to sit in the classroom right


yeah, given to someone ah


I think I will, think about the best surprise I have received lah, the best surprise I've received was , like a melody plush that is up to my waist


yeah, it's taken back by the person who gave me , but anyway but that was actually one of the best gift that I would always remember even if it's taken away already


some, some are not uh some very ex ex ex ex ex ex boyfriend


no not that before , how about you what was the best gift best surprise you have given


uh yes, so somebody dedicated to you


so the new guy actually won ah since the laser touched your heart so much


so the new guy won since he touch your heart


[orh] okay but, but it was a, really special time I will think, hard to forget, hard to forget


I can still hear you, yeah I will think so too, I think the another


it's okay I can still hear you, okay, I think so too I think we'll always remember all these special special moments lor


like think in other


ya lor it's very I mean but sometimes it's hard to hard to determine also even before getting married, the parents will seems like they like you then after you are married already they are another person


they


so the relationship is still very close [orh] like family friend


yeah but yeah, but it's like really good lor that they actually see you, as someone special, ya cause you are so special


ya so likeable , okay


it's there is no one time it's like a lot of times always laughing very hard, cannot really remember anything out out at this moment you have anything that you want to share


so how did you say mickey mouse to the extent that it sounds like hello kitty , so obviously it's cat is mickey cat or is it hello kitty


so no wonder he will he was confused , okay


okay, okay well I'll I'll continue with that no problem it will continue with you for the rest of your life, okay


drunk obviously drunk , obviously drunk so anyway yeah


okay so I think overall yeah I think this COVID has its good and bad lah hor, but I think we look at the good side, yeah to look at the good side yeah we can actually spend more time with our loved ones lock ourself at home and cannot anyhow go out


ah yeah but, ya during that past the the the initial two months hor where they're having their holidays, but


and now things are more back to normal but to look back the bonding will never cease lor as in the bonding is already there


and I think even both, of you actually feel more bonded like not like , it maybe in the past your husband don't don't feel as bonded to them and then now they they feel more bonded to them I I think a lot of my friends are also feeling this way [orh] like some last time the dad isn't so bonded to the kids now it's like ya the whole family are bonded together


ya so it's a good good time [orh] good time to know twenty four seven know exactly what they have been doing and have always been doing for past years


so I have to say also


I'll prefer use HDB loan because it's a flat rate, then uh , it depends wait ah sometimes it's actually it fluctuates it's actually based on the uh SIBOR


because it's a bank loan actually they they put in the uh TDSR and everything in before you can get the uh amount of loan you can get it


so it's really up to the approval of the bank as well at least with HDB they are more stable then they can give you like up to uh ninety percent of your purchase price, lesser depends on your TDSR


okay then good for you cause mine is under HDB loan , uh cash yes yes for the first payment we actually they wipe out uh wipe out the CPF


but I did investment lah so if like really my CPF is running low I can just transfer back


yes, first timer I think uh we have the first timer


no no no actually staying staying with those this is called a proximity grant because proximity if let's say you put address as as as


this uh to get this grant they have to stay there for at least another five years before they can sell it off so actually is there's a binding there, uh no so you've to you you you have to stay there if your parents are staying near you or if you are or you are staying near your parents or whoever


actually you can take the grant


there's, levy yes correct you have to pay the levy actually not only because so many thing like whenever you sell your HDB you have to pay a levy


yes all by my husband


simple


I I think that's a good way lah at least like you actually minimise everything and have more space as well, then cleaning up is much more simple


so, do you think what is


yes, it's only for new projects because uh developers are given lots quite a bit of uh discount, so so so the pricing is slightly lower than those actually purchase before all this CB period as well


so actually it's a good time to buy during a down period and sell it when everything is up back


yeah true so actually the this but but actually for the buyer's stamp duty it's uh it's more fair than people actually those uh rich richer sites they have like actually they flip the property very fast


like in the past so that's why even the normal HDB in the past actually can go up it go up easily to a one a million, then ya then for private properties it's even worse


so there's a fair balance actually there's a good and bad lah so actually it's a fair balance for, for for those those middle class


ya still a lot, yes


yes, yes so it's a additional income, but actually a lot of people doesn't know that actually for rental income you actually you need to uh put it in the income tax to report as well


there's a lot that doesn't doesn't really actually go and go to put in it, declare


but actually for rental property you can actually use your rental property to purchase another house, it can it can be a like another income it is is like a income for you to actually purchase a new flat uh I mean a new new house another house


it's depends on what property you have, it's really depend on what property do you have


uh yes it's all by yourself


yes true , but actually there's a there there are actually there are some developments that actually the developers would will


uh yes and actually they guarantee you a certain percentage, yup or maybe even the full rental if if they can't get the the tenant for you


depends on how much loan you you you took , actually it's more than enough it's more than enough


you mean uh the the for the property I'm telling uh yes


yeah that's the rental yield that actually you're you being guaranteed so yeah that's for at least at least a few years


yes, so maybe you can invest in those commercial


for commercial wise not all not all developers give I mean guaranteed this rental yield and this all this guaranteed rental yield are from those new newer newer


properties , to the old ones uh no I I haven't heard of any like actually they give you this, normally it's the first hand the newer ones yes they do and always look for a better location when you are getting a commercial


ya lah actually for the for the location actually it's very important so it's it's a very good it would be a good if you actually can get some info, to actually I mean info around the place you are looking at


then for yourself have you think have you thought of uh any place actually I mean commercial residential, for for your own investment


rent to your friends yeah, house party house party , yeah let's go drink drank drunk


(hmm) sorry, yes


yes after five years yeah, yeah they actually that I I heard about this pretty good project as well if you buy their this residential


unit they actually give you three or five years free rental for their mall or office


sort of but after that you have to pay I mean they they they give the priority to the resident uh to those residents


(mmhmm) yes and they actually it's walking distance from the condominium so if you are staying at that this project itself, so you happen to get this office so you so literally right you're just walking to your office and you are saving your petrol your car I mean ya save on your cars as well


CBD it's near Bugis lah actually beach beach road


not very depends on how many rooms you are getting lah so actually that one is about three three four mil, yes


okay uh , ya it's ya it's good but actually


uh the there's quite a bit of this uh promotions, but I'm not a I'm not very keen on credit cards, especially if the interest yeah so I rather pay cash


yes, realistic, it's worth spending the money and actually get cashback yeah


ya the payment have to be in full lor not not not like in in like the minimum amount you're killing yourself with the minimum amount


ya but actually big purchases you can just call in to the bank and to to to get them to pay by instalment


uh no no no I mean with credit cards so like you purchase like maybe a few thousand so actually you call in to to bank uh call in to the bank and try to request for a installment rather than a full amount to be paid easy also


ya then their and then all your interest ya also happily there


ya and eh actually some of the , sum of divide ah, membership it's quite expensive as well


ya ya ya ya true true true then after that you forgot to pay then after that you have to pay the interest together, yes but actually yeah


too many cards is a headache is a hazard, yes I have


the joint account is like it's just there for it's just there just for a reason just there we are not really going to we are not really touching the joint account yeah


then you and like with your partner would you actually open a account with your boyfriend or your yeah, you can you can choose not to have a debit card no withdrawal


okay ya


what are the injustice of the world that makes you really angry


ya but the vaccine doesn't brings back the dead, upsetting, ya even though


didn't you hear the president actually says oh actually I whatever uh what uh he was saying like


oh so the death death rate is like the numbers it's like uh only about hundred K, yeah so I think I'm doing a very good job it's like oh yeah yeah


he's a joke, I don't know it's like he's he's not even wearing a mask, and when a, ya gel gelled together


I think because he's a really doesn't have much knowledge of how to


to to like to to to manage the world, no I think he's only more on politics businessman, he's just a businessman


yes but it's totally different I mean, I mean you you are managing human beings and it's you are the so call the , biggest player


now maybe the second uh other than china, I mean it's totally different from managing a company and those people actually in a business with you


yes and the way actually he puts his uh his thinking, to the people of the colours also is another thing that I think is very wrong


it's like by the what uh what with the North Korea and whoever is like banning this banning that cut ties here cut ties there I don't know what he's trying to do


I think he , so is there a moment that you were being treated unfairly before


so you, irks irks you, but does he actually get a cut from your whatever things you're helping him


it's breaking up


yeah


!wah! yours is a mine is actually quite similar to yours I had this client this buyer actually I brought him like, I actually I served him for two years so actually I got my auntie in then he he he then she took uh fifty percent of


of the cut, which is like uh, about about twenty K, no he she I mean she just drive uh means she go together with me like drive uh uh like sometimes she will she will just ah just let me know where's your appointment I send you we can do together but I didn't expect her to actually get a fifty percent of my cut of twenty thousand


pain sia , it's really painful , fifty percent is twenty thousand you know oh my god I can do a lot of things with twenty thousand already


okay lah because I mean yours is a smaller, I mean the quantum is smaller also yeah


yeah cause ya


ya lah true lah, can


!huh!, can but can you just just don't bother about him


are you sure he can be a manager


ya yes


!wah!, but he's a guy he shouldn't he knows that


K, !hais! sometimes it's it's good to actually to remove some toxic friends I mean toxic people in your life, so you're helping ya like helping someone then in the end you are you you got backstab at in the back


ya toxic toxic, oh my god sorry my screen got blacked out


uh yes I tap but the the the this actually stopped, oh so uh I just leave it because it's like uh it's already stopped


okay okay I'm so sorry eh, okay okay, worst break off


I also don't uh, okay worst break off, after broken up and in the uh it's like


okay lah I I was being like played, my my boyfriend actually two eh three-time three-time three-time me he got another two more girlfriends outside, in the end yeah !huh!


sorry ya I don't know how many times lah so I was at his place, then uh his handphone like , I mean there's a message that came in so actually I like eh he's sleeping I doesn't doesn't want the message the the the I mean the alarm tone actually to disturb him so I just help to just pick uh pick it up


and I just happen to see !hey! uh dear something something so it's like oh that's so happening, yeah, then in the end I call I I called eh I don't know I call or text the other the the other girl, yeah that's the one uh I was telling you previously that that the the do the laser he he's the he's the so call the ex lah


no the laser is the new one but the ex is him yeah he's the one who's there when in the end he came to my house almost every day to wait for me and give me uh uh flowers


but some things cannot be change


yes, yeah and yeah and and he can even tell tell tell the girlfriend the that girlfriend that, oh uh already break off with me already then in the end I I message the girl and say yeah I'm I'm his so call break up girlfriend lor and I'm is at his place why don't you come downstairs and we meet together and she really came


yeah, of course yeah


he betray you or you, your


oh I okay


so are they together now, he should actually know you more because yeah I suppose you all dated quite some time before you all get married so how come he's like


ups and downs


for what sia for what monitor you for what


but but what is her purpose of doing this to just bring you down, !huh!


but actually does your husband in the end uh I mean knows, uh I mean I mean in the end he still choose to believe your friend instead of you


that's frustrating, yes


since I don't have ya since I don't have you say until I have right okay lah I do for you lor might as well right


true


!wah! that's terrible your this friend is is she still still in your life, I mean are they jealous of you


ridiculous, I think K lah you know there's chinese terms says that , uh I mean you're pretty, then your your work wise you are very quite uh pretty successful so maybe they are being jealous so they have to bring you down


true sometimes really don't know what's wrong with some people's brain


but at least now you're happy you're free and easy you can do all your things


yes for actually for me all along I I have no trust in marriage as well, yeah, you sign up


actually for me companionship is more important than a marriage, it's more it is more it's more realistic and more practical


yes you can do what you want and you could be happy , so, yeah so


yeah I just had the this this course yesterday it talk it's all about talking about being confident and don't bother about what other thinks of you


okay !hais! part two


yeah, uh yeah yeah , ya there's nothing much to see to persevere and uh I mean persevere and look forward


thankful , no comments


!wah! so good leh you still got people to cook for you, ya but my uh ya ya okay lah I enjoy cooking so ya


yeah I think I because I uh I did send pictures of whatever dishes I cook to my mum and my mother in-law, so as I was telling them eh yeah see I got a new dish today again ya every day is like new dish then my mother actually says that actually I can open a shop


ya you want to help me, uh I did I did but uh


uh uh yes lah but actually even though I want to open a shop it's like more of a bakery and those like just a few few dishes as is not like those uh like the like, ya ya


cannot cannot I think I will die from that yeah especially with my whole body like an old lady now, yes of course let's go and play darts


go away lah you eh so it's it's open already


ah ya at least there's a opponent for with each other, oh then then the centre so is they open a alternate board, okay that's


then for the table the seating tables and everything, every hour has to buy a drinks it's it's like a renewal for per hour okay it's like


[orh] so water count there's but do they sell alcohol, okay lah for one hour I think you should finish for


oh ya ah correct correct, yes of course


yeah, so for yourself what have you what have you been doing


daddy talk to daddy, talk to daddy go, ya sorry uh so your


sorry, ya sorry sorry sorry hello yeah


okay, so what actually your friends actually laugh about you, yeah


which part being blur, K and yeah and clumsy right you can yeah play your dart and you can you can just crash you can just you can just ya crash


yeah, I I I I I still can't think of how actually you can just break the whole glass cabinet


yeah like real sia are you the hawk, are you the hawk you can just scare and your strength is so big, so strong


I I I think that lady boss is I mean got a shock from what you did, I think everybody which will be shocked


correct that's why still cannot imagine how actually you did that, go go go go go go go


get extra, I I I mean I mean if I ya if I'm able to yes because my job is


very difficult it's like you you if you don't meet people you will not get your salary


for yourself yes lah got uh eh I till now I'm still being rejected


eh actually true also the CPD you can just on on your iPad laptop and anything and can just let it run, and they don't need this year yeah, you're sitting there you cannot do anything it's like your I mean when you're at home doing all this it's like free and easy


so what is the best surprise actually you have giver ever given to somebody


what's that


that's huge but I never see see at your place where is it now, !huh! but why


from who who sia , okay, okay okay so so it's so it's the picture that I saw at your place the other time


okay okay okay that's okay alright , oh I have a best surprise that was given to me by somebody as well


do you remember actually many many many years back the suntec you can actually put laser, request for laser and songs do you remember


ya ya ya ya I was like oh my god ya, so , when I was in poly and yeah my ex boyfriend is there and the one is after me is also there so we three person are there so it's like


this a bit, awkward, yeah so my ex boyfriend is there trying to get me back to him then , one more guy actually just just put uh put up a laser


sorry sorry sorry sorry


yes, yeah uh yeah he somehow won lah but uh we didn't last long, but we got back together few years back uh few a few years after that


is it my internet having me problems again


of course I think I will never forget it you know, okay okay this it's very distorted and I cannot see you, cecilia I cannot see you cecilia


okay okay, yeah I think that was the best surprise, actually the mum actually love me so much you know


because he's a divorcee uh wait I mean the parents are divorcee the dad, actually asked him a very funny question as well it's like eh where did you get to know her from where how how did you manage to fish her you know fish her yeah


no the dad actually still like been asking him about me and after we broke up and uh even when I'm married now, or even before I've been going to like uh to pay her a visit like every year during chinese new year


yeah, she can even tell me ya she can even tell me !aiya! why you are not with my son I thought you !aiyo! I was planning you all should get married


!aiyo! I like you very much much why you why you don't want to get together with him blah blah blah blah blah it's like ya it's about destiny lah hor fate , ya that is


of course I'm always of course if not I wouldn't get to know you also right , okay describe a time when you laughed too hard


you laugh until your tummy ache and all your tears like keep falling


uh yes actually when our just a very recent trip last year to Guangzhou, in uh okay do you know like mickey mouse is uh


in in mandarin so actually I said in another way and actually the, this uh stallholder is like !huh! looking at me very blur and it's like neh that one [orh] then he don't know what he point he pointed out uh the hello kitty to me instead of the mickey mouse


ya so it's like oh <mandarin>米奇猫:mi qi mao</mandarin> so he pointed to me the hello kitty then I was like no no no that one that one, then my friend christine was like


then I was like she's ya okay then she was still teasing me until we are back to Singapore okay


I don't know who also uh I think she came my house also she go and put her head into the my fridge and go and close the door on her own face, she went to take take some beer from my fridge then in the end she forgot to bring her whole head out and she just close the fridge on her head I was like


okay so ya each person one time ya , ya I think our friend here is also laughing laughing very hard


ya lah actually spend more time with my kids


ya sleep until ya sleep until whatever time you want no need to bring them to school best part


yeah, so actually both of my boys boys doesn't want to go back to school


ya and then it's like finally I can I I I get to know my son at what are they at home, when I'm not around so how how am I always with them like what would they do are they always driving him crazy or what whatever


yes especially like morning till night cause ya we were not able to see them


okay


part one financial related topic, okay so #Kok Wai#


how how should we how how should we do this


uh for me it's very similar to you I have exposure to two main markets one is the US, the other one is singapore, so for my US stock I don't really use ETF or what I would do us stock pick meaning I will see what are the stocks that are currently undervalued and then I'll make a


small purchase lah when I see one that is undervalue so that's for US so my US has a very smaller exposure, my main bulk are in the singapore stocks, same approach select stocks based when uh when they are cheap or or valuable lah so


my focus is singapore stocks lah mainly the banks the three main bank the DBS UOB and OCBC and then which which is very similar to you so I look at a variety of rates they including, office uh retail


the last time I'm looking at is hospitality lah given now that the retail is is getting cheap by the COVID and then , oh the REIT price for the retail has dropped significantly so I'm looking to enter maybe one or two REITs


yeah, retail


I think the outlook will be quite bad so I'm in no rush to to bite into any retail or hospitality REITs at the moment for me it's more of of uh keeping a lookout for the REITs that I like, and then I in no rush to purchase this because I feel that this pandemic will last for another year


and I'm just doing a, dollar cost averaging approach meaning I maybe I buy a fixed sum over a certain period of time meaning maybe I buy one K every two months that kind of stuff, so so that will be my approach for the retail and hospitality REITs what about you


I agree with you on the margin of safety, I feel that currently it's still quite I feel that the market in general especially US and singapore markets there are quite overvalued I feel is is like a bubble because no other


all the other asset classes are are doing quite badly the only one that is doing well is the equity so all the money right with all the quantitative easing from, all the central bank all the money flow into equities so I do agree with you it's quite overvalued so that's why I chose to have a investment over a long period of time lah instead of doing a one lump sum


agree with you,


but I think the chance I think is a good time to take a look at those, heavily affected by by the pandemic or maybe like the retail stocks, like or maybe the oil and gas stocks as well like


ExxonMobil that kind of stuff, cause like the price been written down quite quite badly but I I but but if you buy I think, the strategy is to hold how long term lah unlikely to to to do a trade or something


cause unlikely the price will bounce back very fast so it's more of like for me ah when I buy like ExxonMobil that kind of stuff ah I I I may try to hold it for a year lah, I'll try to hold it for a year ya


but what what what kind of brokerage account ah, [orh] okay for my US I I'm looking at, a few months top up to a year


oh for my US stocks I I'm looking at about a few months to a year, it's purely for forgoing my portfolio lah, okay and therefore my singapore stocks is like just hold and collective return


so I'm I'm not I'm not looking to I'm not looking to sell my singapore stocks lor it's more for buying for dividends, to have a passive income lah that's my aim, then where as for US to like, try to like maybe if there's a bit of speculation I guess


when I buy a US stock things are more volatile out there,


ah ya which which broker did you use to buy your global exposure your global portfolio


oh


, , uh for my US stocks I'm using, Saxo, I did a bit of research and found that before tiger came into the picture Saxo is one of the uh cheapest


broker for US stocks ah or global stocks, so that's why I chose Saxo they have a commission fee of about four dollar USD per per trade, so to me that's very attractive and then there's, comparing to the another alternative for me it's interactive broker but for


but there's a custody fee I think for interactive broker, or there's a minimum trade, to do per month ah, so in a sense that I I I know that I'm not going to trade very frequently or buys stocks very frequently so I know that IT is not suitable for me lah I know that I can't hit that minimum trade per month


that's why I chose Saxo Saxo there there's no such thing as a minimum trade and then the commission fees is low, but then tiger came into the picture , maybe I could set up a new account, for tiger ah I ah a new tiger account, eh for my US stocks exposure to to see like how is it like comparing against Saxo but maybe I'll I'll tend to put more money into Saxo lah maybe I'll just play a bit with like play a bit of money tiger ultimately tiger is still a very new company


I'm not sure whether it will like bankrupt the next day or something ya therefore my singapore stocks is same as you lah I use DBS Vickers, and DBS Vikers has the lowest commission lah which is ten dollar per trade plus all the GST everything lah it's about twelve eleven dollar twelve dollar


ya but but so far uh my experiences has been okay la with Saxo and DBS, but I want I want ask you like how's your experience like with the StashAway cause StashAway has been in singapore for a few years already


how's your experience like what's the returns for you like etcetera


!wah! quite good


!wow!, wait so then for StashAway how's the return like , if you don't mind sharing lah


, !wah! not bad it is correct because I I like to collect dividends ah and then some US or some ETF they'll provide dividends etcetera does StashAway give you back the dividend


or or or does your ETF give you any dividend at all,


oh, there's no option right there's no such option right


oh, current series ah I I, I think since I have US right I I don't think I have much currency risk lah


I I mean I I feel that singapore dollar have more currency risk I feel I think it'll depreciate over time given how the economy will be like, so I I'm hedging it by buying US stocks so that US currency right will be like a hatch for me cause optimally US US currency is still the widely used lah is still widely used so for


oh recording stopped, what happen , you eh you you you touched the button is it


okay okay, so, so so for me I'm still very new to investing and trading lah I I'm I think is a lifelong process it's a lifelong journey and I'm I'm learning new new things every day from various channels like telegram chats


from finance blogs, or even from my friends and colleagues ah even from #Kok Wai# ah #Kok Wai# and I will exchange ideas uh through the chat lah so , I enjoy this process very much lah it's all about earning more money


yeah, this that's all lor that's all I have, I I I didn't win any lah but I got got I got one investment book before


from from the D_B_S community, yeah okay wait it's over


part three negative experiences, okay #Kok Wai# yes


actually I did about two weeks back, because okay I wouldn't say it's trapped or helpless I think the feeling is quite Sian the feeling of getting


I think it's I would say as morale down lah when about two weeks back uh because of I did some mistake at work and then it has some serious uh repercussions so the thing is relates to some financial uh actually it relates to


to some financial audit uh for to prepare for the signing of the financial statement so, Singtel, year end is in march we are supposed to sign our financial statement uh by end of this month


but then two weeks back right I we realise that my team realised that eh actually we missed our audit procedures we didn't call out a certain, we we didn't let the auditor know that eh we have this bank account you supposed to do a bank confirmation on this bank account so it was a it was a oversight for my end


so it's like in the end lah when we realised that the the auditor have to do some audit procedure meaning they have to check the bank account etcetera right uh it was it was kind kind of rush and then we have to explain to our boss, and then for that right


I was scolded by my my team lead for for such a mistake lah so during that period uh I was very down I feel like eh I I was very sad during that time lah cause, because I think the the sadness comes from like you're getting marked from your teammate already because you have lost that trust that you have built for the past two years with your colleagues


and then whatever you do right from then on right it's like you have to be I have to be more cautious and more conscientious and then but you still cannot overcome that that that trust that lost because your team lead we will like , review deeper on the work they have done so


so so I was quite affected by this experience lah but uh what I can do is I have to soldier on I have to have to learn from it and then have to be better in my work


yeah so, but I'm still not totally out from it lah I still feel quite quite down when I think about it lah once in awhile


, not not much hurtful word but I think you get the tone but you get the sensing that they are very angry at you, you know they didn't they didn't say any hurtful word but just that you can see that they are very disappointed


and then there're also at the same time angry at me, so, yeah so yeah it was through a call lah so I was scolded by my team lead, ya so from then on I know that I'm Kena I'm I'm marked already lah that that trust that I have built


can can cannot cannot go back to the to the previous level already lah so I I know not now I know that I have to be more careful lor, uh cannot let such a thing happen again, ya if such thing happens then I think I can start looking for new job already #Kok Wai#


yeah so that that was one, uh negative experience I've faced in my working life so far yeah, what about yourself #Kok Wai#


means, major ah ya, to a major [loh]


, yeah I agree with you, but I think actually the work that you are currently doing right is, it is related to your to your major leh I feel, I think it's related to your major


oh okay


understand but actually it's it's quite common to like attend many many interviews for me I think I was I attended about, twenty plus ah, ten plus twenty plus


cause okay to me right I think it's like it's a game of probabilities lah you have to cast your net very very wide , so I just spam whatever whatever applications I can and I started early lah about a one year back


and and and and the good ones usually open, a year lah a year ahead


actually I don't feel stressful because at actually like during the because account okay I I major in in accounting so most people will go to big four, so actually I got the offer from big four


quite early on lah during the mid of semester one lah in my last year so I know that that that auditor job right will be my my backup, but but even if I got that offer right I I'm still looking for other new jobs ah ah trying trying other applications


so I I don't I wouldn't say stressful I also cause I know that I have a backup plan if anything if I cannot circle any good ones then I'll just go back to auditor to being a auditor and then if I can get a good one like current one then I think it's a bonus to me


ya and and then I I feel that is is it's quite at at that time I think it's quite easy for accounting students to at least secure an auditor job lah , I mean it's like !aiya! so I'm I'm not that stress but I think I'm stressed about getting a good one


ya lor, ya correct correct, but but but looking back right I I feel that I've learnt nothing much in my current job


ya so so I sometimes I will wonder right to myself like would it be better if I have, joined audit instead instead of uh working in my current workplace ya that that would be I will I will think of this question once in a while


yes it that I have yeah the loss opportunities if I had joined audit because uh in audit you you gain a lot more kind of experiences you doing different kind of work ya


oh I worry, I worry quite a a fair bit of things called why, I worry about job security


I worry about starting a family, I worry about my ageing parents so I think those three are okay, my parents, uh my job my career my job and then, to start my own family these three are the key things that I'm very worry at the moment


and plus if this pandemic ah it made me even more worried yeah, ultimately it's like I have to earn enough money to to ensure that eh I can sustain these three key these three key


balance them, to to me it's a financial aspect lah cause I'm a very practical person lah uh only two things matter in life money and health


ya so so I I feel that you've have money you can solve most of the problems, so that's why I value money a lot because money is an enabler can help you to solve a lot of thing so, so ageing parents career all this right you have to have substantial amount of money lah to make sure that eh you can


and can ensure that if my parents is are sick I can pay for the medical bill uh, to start a to buy a house with my girlfriend that kind of stuff and then to make sure that my job is not is is is will be there lah I won't be replaced etcetera


so these are my three key worries at the moment, what about yourself #Kok Wai#


, ya uh I agree with you


but actually even career progression right I think the faster way is to job hop , I think job hop will be


yes yes you are right you're right, you are right I I I agree with you, because I'm looking at the jobs for finance, and there are not many jobs in LinkedIn or in any other website is like it's only that very limited numbers MNC there are not many openings in MNC also is most mostly coming from SMEs


so I can't really see that the jobs are really drawing out head count are freeze, and then I think there's in in in my company right we don't have increment also lah, for this year


due to COVID , so if I were to change up I know that it will be another kind of shitty environment lah, ya so, will be quite quite sad


yeah , so #Kok Wai# any other negative experiences,


or or or anything,


what why, ah okay continue continue


prelim prelim,


oh


, the school that you wanted to get in the school you want to get in is


which one #Hwa Chong# or raffles, , oh wait what's your PSLE score, what's your PSLE score


, !wah! this this #Kok Wai# ah must be quite high sia, I'll go check #Nan Hua# , okay okay talking about this right my saddest moment also very similar to yours but mine is at O levels


I I wanted to go okay after O levels I know them to go to JC lah so the JC I wanted to go is anderson JC, and the cut off point I remember it was about, ten or eleven anderson was quite it's one of the popular school or


ya popular school in in the north central that kind of area lah or near my area so when I got my O levels result right !wah! I I I couldn't my result is not here not there so I know that I I couldn't make it to anderson JC or not even Nanyang JC which is my second choice


so so so I was quite sad and the and I couldn't make it because ah I got C six to my english so I total I got Lone Rfive of thirteen, so that that just the english ah occupied half of my score already I was that angry and myself at that time


because of that one subject I could I couldn't enter my the the JC of mine of my choice so in the end I have to choose innova JC, ya so so I think my experience is very similar to yours, but but at the end of the day when I look back I I I I really enjoyed my time


in in the JC it was in in the innova JC yeah, so I I I I didn't regret the move lah maybe it's a blessing in disguise, , ya !wah! interesting eh #Kok Wai#


, , what else #Kok Wai#


things that didn't turn out ah, meeting my expectations ah, , I would say my work experiences, I I I thought after graduation I thought like work will be fun uh you know yeah you are new things things every day you're value adding in your work but actually now that I work for about few years now


I feel that (ppc), the the reality is that uh, work is not easy lah, and especially corporate corporate life lah I I feel there's a certain of difficulty and it I think it doesn't doesn't suit everybody so for me right I I feel that I know that I couldn't sustain long long in this corporate life


which is why I I'm very focus on like building up my uh investments to make sure that I have sufficient enough to it I have sufficient passive income to rely on, because I know that ah I I cannot sustain long in this corporate life


so what I do is to manage my expectational lor with my girlfriend to say that eh maybe we have to live simply, we have to have a smaller house that kind of stuff, yeah what about yours #Kok Wai# by twenty more seconds


yeah


ya I feel that a lot of things right quite quite bullshit one teamwork, okay we are done (ppo)


positive experiences,


at some of the, positive experiences I had was when I travelled overseas , I think the happiest or or or the unforgettable experiences was when I travelled with my girlfriend and friends to japan for our trip


so we so I so okay I must say japan is a very beautiful country lah everything is, the scenery all these is very pretty and then the people there are very nice and I spent about ten days in japan and I enjoyed every moment of it because the weather is cooling I went during about july


where it's going to be going to be winter or or going to be the cooling period lah so, the food is very nice also, and I think I what I enjoy the most was the time spent with my girlfriends with my girlfriend ya cause I feel cause this is our first overseas trip together and then


I do enjoy spending my time with my girlfriend lah like doing all this, boring thing or or travelling etcetera, and I think this trip has allowed us to understand each other more, and then uh allow us to find out uh how's our dynamics like in a relationship so that was my first overseas trip with my girlfriend


and I think that was ah I enjoyed a lot yeah, then what about you #Kok Wai# I mean that one can be anything lah what about you


, oh okay I I think I know where's the basketball court in #Pulau Ubin# it's very near it's near to the temple of or somewhere near the temple


ah, it's a it's a I I went there a few years back and it was sheltered basketball court if I remember correctly


ah yeah some yes, ya and then I also like cycling my favourite every activity is cycling so, but it's very hard to find friends who would like to cycle I feel


I used to have a bike a a normal bicycle I used to cycle to school in my JC time, ah because I I I I I live in woodlands my JC is in innova uh I wouldn't say it's very near or it's or it's very far even if I have to take bus right I have to walk for about


ten to fifteen minutes to to to reach about to take to reach the bus stop and then take another fifteen minutes to reach the school so I realise that I have I have been late for school lah when when I try to like use the bus approach


cause I have to walk for quite a distance to reach the bus stop so in the end I chose to uh buy a bicycle and then from then on I will ride my bicycle ah for the rest of my JC time, and also because I also like cycling


ah so #Kok Wai#, !wah! okay luckily I did encounter that very frequently but I do encounter before !wah! it it it's really quite quite shag, it's really quite shag it's like


if I know that is good if if I know that is going to rain beforehand , I will just take the bus approach, mean I'll bring umbrella walk to the bus stop and I take the bus but if it's rain like in the middle of the trip I think it happened before about one to two times


I remember one time I have to like just park my bicycle and avoid that, and then rushed to the it was in the middle of the trip and then it rain so I park my bicycle and avoid that and then, I was drenched lah but #bo pian# lah cannot cycle anymore so I went to take the bus instead so in the after school then I will take the bus back to that particular bus stop pick up my bike and cycle back


but I think it's it it didn't happen very frequently lah it was only about one or one to two times, ya usually if you know that it will rain I won't take I won't I won't ride the bicycle,


yeah,


, that one is like field field camp is it, it's like field camp right, it's ah I mean like like like like, right it's


, what are the places you have been to because I I know that you are quite active in in the in the old that club, and I know that you all been to quite a bit of places, where where have you been before


!wah! sounds cool


, it's a lot leh, oh, !wah! it reminds me of infantry


but this like this is like infantry field camp , this is like infantry field camp yeah, I I I , I I think I I'm directly opposite of you actually I hate these kind of


outdoor camp , I hate these kind of outdoor camps I can not stand it I I need to have a proper resting place I want to have a proper toilet where you can shower and then you rest at the end of the day end of the day, and and my girlfriend lah out of similarly similar nature lah so we we like to go to overseas and and find a a hotel and just Nuah that kind of stuff


yeah that's that's what we enjoy the most, so so so I am that kind of person so I'm not a very, outdoor kind unless I know that I have a proper resting place for that day ya but if I know that I'm going to sleep outside ah, I'll be I'll be quite angsty lor


ya, so


oh never leh never cross my mind cause I feel it's very dangerous lah okay okay I like cycling but maybe it's like just a casual cycling like maybe like east coast park that kind or maybe cycle along, marina bay that kind of stuff that that that kind is fine with me like half a day event


I'm not the very hardcore cyclist , cannot cannot , I've I still need a a safety ah, a nest at the end of the day, ya so I'm I'm very home body lah I like to be at home or or or like to ya like to not at home also


ya lor, very different, so,


, what do I love most about myself ah eh good question eh actually I I've never thought about it, there's there's nothing outstanding for me to love myself I feel


I just take it as it is lor so so there's there's nothing fanciful that I like also there's nothing that I hate about myself also to me it's just a body for me it's just a medium for me to do things to enjoy things I want, so uh so there's, there's to answer your question on there's nothing I love about myself lah


ya what about you


, actually that skill is very important


in in jobs I feel, like like you are there to solve problems so the ability to learn I think it's very key lah cause what we learn in right may not be updated when we reach the work workplace


so some of the things have to learn, ya so yeah lor so have to learn on the job, have to learn on the job so !wah! okay actually I I noticed that about you also lah, where you where you can deep dive things very fast and very quickly


like like you can research on lot of things very fast, and then very detailed also, then then what do you what what what are my strength like what are some of my plus points if you have noticed about me


yeah, got got got or not got or not got any strengths or not ya,


!huh!


so you only look for me when you got trouble lor #Kok Wai# okay


ah, understand thank you for sharing, thank you for sharing , , actually I don't know okay what's your what's your favourite food ah #Kok Wai# actually we have known we have we have known each other for about six years six to seven years


but actually I still don't know what's your favourite food or or what what are the things do you like, oh


ah,


ah oh oh ya eh same same, eh but but you know you know in our times I I miss the #nasi lemak# in our Tekong, near the the the canteen near the jetty, the malay stall #nasi lemak# #Kok Wai# you you remember or not


!huh! what, oh, eh no no no no you you can choose fried chicken, I know I know in Tekong island that the malay stall #nasi lemak# is very nice yeah and they got it got serve fried chicken is is not the fish lah fish is another menu


, your place is also near #Boon Lay# #nasi lemak#, my favourite food is Laksa leh I I like Laksa a lot, but it's very sinful lah it's very unhealthy so


and there are not many good Laksa around I feel, but in my workplace we have a staff canteen we have a staff canteen so, so we don't outsource all the cooking to like external party so those people cooking right are are the real owner them self so I I feel that the food are


are nicer compared to like those franchise one like Koufu or Kopitiam where they hire people to to cook the food, so in my staff canteen they have they sell #yong tau foo# and Laksa so I feel that their Laksa is one of the best I've eaten so if you happen to, to be somewhere near somerset you can go to our Singtel comcentre canteen to try their Laksa and their canteen is open too in the weekday lah


so so so, uh I think is the,


I think it's a paste leh it's it's not something that is very spicy that will turn you off but it still give you that kick, and then I like I like Laksa with the two #bee hoon# the the thick #bee hoon# kind ya, so that that is the best combo so is is is is the taste of the Laksa itself I think it's very distinctive and thumb it's very hard to replicate in other kind of food lah even like #mee siam# Sotong uh #mee siam# Lotong that kind of food also


doesn't taste as good as Laksa I feel , ya , so , uh yes it is it is actually it's it's actually it's I think it's more for it's


I don't I see as unhealthy lah because, of all the coconut eh coconut oil coconut milk ah coconut milk ya which it will lead to very high cholesterol lah so I, , I try to eat eat it I try to minimise it to once a week lah


when I'm working in in comcentre, so I I try to limit my intake ya so Laksa is my favourite food and then, I remember my trip to new zealand, I'm I've been to new zealand in last year two O one nine so I remember


the time period was very cold and then we had Laksa, where we cook ourselves lah so I think that was my best moment eating Laksa, okay


part three negative experiences


so #Jia Xun#, have you felt uh any moment in your life where you felt trapped or helpless


did did he use any hurtful words, that that you wish to forget


so it's more of their their tone and their body language


, , I also feel uh there's the same kind of helplessness uh back when uh I was uh searching for a job


uh after my graduation from the university so , it was only when in my final year that I realised that uh I wanted a job that is uh almost totally unrelated to my uh current course of study


so uh I recognised that and uh I know that it it'll be very hard for me to to actually get interviews uh, for for for my desired uh career so even even the internship that uh


that my school arrange for me that I that I uh did was actually not related to the career that I wanted, so in a sense that uh I've to go through uh more than ten interviews ah to get the job that uh I wanted and I remember uh one of the


the key key moments in my interview where where the interviewer actually used uh kind of a hurtful words and hurtful tone he says that uh, he explicitly said that uh it's impossible for me to find


the job that I wanted uh given my credentials I'm better off being uh more uh, uh what do you call it being uh more uh to go for my job scope that is ah that is related to my coursework ya to my major as compared to uh to actually


uh venture out and and and and find a path that is not related to my major so in that sense ya I feel, I I think I can feel quite a bit of uh the the frustrations and the the helplessness


that uh the graduate this years uh may face when they look it they when they're out to look for a job uh this year in this uh kind of uh COVID period


uh is is not is not entirely related is uh, what I'm what I learnt was more uh hardware related while uh I look for a more uh software kind of a job


!wow! that is more than me ,


so do you do you feel stressed about the the job job search uh the the first jobs search uh when you uh first step out of uh your graduation


so your not not not a state of uh not getting a job but you're more afraid of not securing a good job, okay


so is all the the loss opportunities that that you might have,


so what do you worry in general ah these days or, what do you worry about in general


so in terms of uh all these worries it's it's more of the the financial aspect or or any any other aspects that you're worried about


okay


, , uh I I didn't really uh categorise that uh in in such a detail so uh I think at the moment I I feel the more


the most worrying thing was more of the the job security part, as long as the, the the career progression, yeah so uh, even the pandemic uh


to be it is likely to last uh for quite awhile so uh, in that sense either way you either uh worry about a job security, or even if you have the job uh


you might uh you might have uh you might have uh, freeze head count and then uh you can't progress uh as quickly as you might have initially planned so ya so in a sense uh


uh I also have that uh that that career progression plan that I have and , I think uh it is uh, it's harder for me to to actually extrapolate and and and predict uh


uh how well I can do uh how well uh I can progress uh how quickly I can progress in the in the corporate ladder ya but having said that uh, I think the the most important thing is to to to focus on your job actually yeah


instead of, , ya but okay so given that you say you have to job hop means that uh


somehow you have to find a new job in a new place, where the the environment is actually having a frozen head count, so the possibility I'm more of a probability guys the probability of you getting a job a good job in that sense will be much lower than than before lah


, negative experience ah


uh okay the only uh, saddest moment that I can think of uh when I'm young that that the first significant uh saddest moment was uh getting my PSLE result


ya so back then , ya ya the PSLE result ya so uh, I did better than the, the how to call is not a prelim but the the the the examinations before your PSLE so back then uh


ya I've some schools that I wanted to go and then uh at the moment when I get back my result I am, two points off the the count of point from the PL the the secondary school uh PSLE book so I knew I could never had


uh gotten in yeah so in the end I had to choose uh my second option, yeah although looking back it is not a very big uh it's not a very significant uh moment uh


if I were to go to my uh preferred school but then uh at the moment it it felt like it was a very very big uh, big uh, what do you call it the big moment in my life at the ah at a young age


!huh! no lah I just want to get into to #Nan Hua# high, (hmm)


confidential lah , no but in the end still not enough still not enough


okay, okay


so is there any other times when things didn't when things didn't turn out to meet uh your expectations other than in uh schoolwork, or work in general


(hmm)


so so to summarise your your feeling was that uh you you don't like the feeling of being a gear in the, in the in the corporate world where you are just the the the small small small small insignificant role in the in a big company


I see


part two positive experiences


okay #Jia Xun# so what are some of the the key moment that ah ya uh that you find memorable and good in your life


ya, okay so uh one of the key moments that uh that I remember now was uh when uh I was about uh ten years old so uh


so uh back then uh it's quite uh uh uh cause as a kid you're you seem very very , uh mischievous and you always want to uh play with your friends uh after your schoolwork after you finish your during your school work


and going downstairs to play your friends uh however I I didn't have much of the experience, uh and, I didn't uh cause back then uh a lot of them actually had their uh bicycle for them to uh ride around the neighbourhood


but for me ah I didn't I didn't have any uh elder sibling to teach me how to ride a bike, bicycle at then at that at that moment so , at about uh twelve years old I remember I went to uh #Pulau Ubin# with my uh extended family


and then uh at the basketball court we actually uh my uncle actually taught me uh how to ride a two wheeled bicycle uh over at the basketball court uh, ya for the whole afternoon yeah so so that was actually one of the the more memorable moment when I actually uh learn a skill that I can uh interact with my friends when I get back uh


to play if my friends uh after after school work ya, ya it is


correct it's the, it's basically okay after you get off the jetty from the the get off the jetty you will see the the places to to rent a bicycle and get your cool drinks everything and uh


after that uh a few uh metres uh along the road you will see the basketball court ya, yeah back then it wasn't back then it wasn't sheltered it was just a open basketball court now and now I think it is a uh recently I went back a few years ago uh for a school's school event


uh and then it became a multi-purpose uh uh place so it's sheltered at that moment


okay


so what happens when there are days that are raining,


I see, that's that's a very interesting uh experience that you have in uh your JC times, yup soon, uh you mentioned that your favourite activity it's actually uh cycling


for me is more of uh hiking so I like to uh hike although there's not much place in singapore to hike uh yup so , in in my days ah I actually spend quite a few ah


quite sometime ah hiking around uh, in malaysia where there's more there's more uh adventurer adventurous to choose ah to enjoy with my friends, yup so


, ya it's it's like it's like a outdoor it's like a outdoor uh camp, uh with your friends yup so uh basically you will get the you'll have to source for the travel guides online


and then uh after getting the guides then we will uh then the trip, and then uh prepare the the the the the equipment so now as compared to a normal travelling where you just uh prepare your own luggage you uh


when you go for outdoor outdoor uh camping you have to bring a lot more equipment then what you actually need so in a sense that uh you might need things like uh your tent uh, some even some uh some food for you to cook uh when you're up in the mountains or in the waterfall


uh to eat there yup, so it was it was quite a as it was quite a good escape uh, every time uh in the holidays uh holiday uh to have a break off uh the city life and and go uh for a long hike


in a nearby country ya


uh okay so uh I'm really meant uh, to those choose in malaysia where it's a generally more cheaper than as compared to uh other trips uh that brings you to uh places like indonesia or


thailand so the further you go the more expensive the the trip will be so uh in that sense uh I limited myself to uh mainly malaysia trails so that includes the places like uh yes wet shoes, wet shoes meaning that ah it is uh


it's a really will lead up to a waterfall so it's a waterfall trial or you can call it a wet trail, so there are places like uh Pelepah falls or the rainbow falls in uh, in uh in the heart in the northern part of malaysia uh in Kuantan or and then there are also places where it's just a peak


in places like #gunung datuk# uh as well as what are some of the places, uh, ya there are quite a few ah mountains there, ya


but I prefer those that are that ah but I prefer those that are dry cause you don't have to get your boots wet and then it is, it is ya then it won't be a very uh pleasant moment when your boots are wet yeah so I prefer uh dry shoes uh in the overseas uh trips


ya, as so, ya continue


, okay


so have you considered uh maybe a cycling travel experience where you take a bicycle and uh travel, maybe uh malaysia


I see I see


so #Jia Xun# what do you love most about yourself


I see okay uh, for me I think uh my the favourite thing that I like about myself is uh, uh my eagerness eagerness to learn uh and uh motivation uh to to to face my uh curiosity so I tend to be uh


I tend to I think about things uh quite a bit, uh quite a bit uh and think about uh how things work, so , yeah so I always ask the question why and then uh find out about find out and learn about how to uh make things work ya


yeah it's all about lifelong learning,


your your strengths, uh okay , got uh yeah so uh I find that your strength is about uh your honesty


and you are down to earth uh uh vibes yup, so so so no in a sense that in a sense that uh so it is good in a way that uh your strength is that you can be someone that uh


that someone relies on in times of need or in times of a trouble yeah, \


no I mean the the the the honesty part is it can be used in other situation as well


(mmhmm), ya uh as mentioned uh I like to eat uh #nasi lemak#


ya, cause uh, in a way that uh you know like uh when you are when you are kid uh your parents won't like to bring you to eat fast food, so uh you you get to have a less opportunities to eat uh KFC chicken


so the next avenue to the fried chicken is actually uh from a #nasi lemak# meal, so uh when you order #nasi lemak# you can actually get a fried children, ya


, uh, I hard eat those I hardly eat those


because if I'm not wrong those that #nasi lemak# actually give you fried fish, is it then then I recall wrong wrongly !huh!


I see, uh yes so what's your favourite food


I see so what do you like about uh Laksa that that differentiate it from the rest of the food that you you like like what missing the the the the first one on your list


did you find it to be fattening,


ah so you want to start first or what, [orh] financial related topic


so you are asking me


okay uh for myself I have a few plans basically I own a term plan with, uh AIA I also have a personal accident uh plan with uh, AIA also and hospitalisation with AIA these are the three plans that I have uh


basically I buy them just for protection sake, I rather do savings and investment on my own, how about you shanice


oh the shield plan you buy bought it through CPF right, using medisave, no ah !wah! okay


ya I think this is important because you never know when you will fall down and injured yourself


okay any other plans


[orh] so your focus is all on hospitalisation ah correct, okay but then what about critical illness and all that you don't have any plans, that cover the critical illness


no ah, then maybe you should think about getting one, okay ah you I follow up with you okay I'll refer my insurance agent to you okay then do you have any uh savings and investment


oh which company can I ask


ah okay so that means uh if anything happen to you you get a payout also lah, but okay based on my experience ah this is this is what I don't like about such plans because their payout is very low


then it's it's like, but you are paying for low coverage and you don't get a fantastic return, so you should that's why that's the thing I that's all I know, ya lah that's why they mix savings ah


ya lah guarantee lah so, guaranteed returns usually is lower lah, but this is just me lah this is just me ya, because I think when you mix uh insurance and savings together it's not here not there lor so you don't get a good payout and your savings is


mediocre lah the return, K anyway, you already buy already so you don't don't go and cancel it ah you cancel you lose even more money, !wah! I like professional


ya lah but these are all low risk products ah so if you are a low risk taker then okay ah, ya so (ppc) then next time you can find something else to invest also, okay me ah [orh]


so uh I do my own savings and investments so I I don't do endowment plans I do FOREX, ya I'm a high risk taker lah, so I play with I dabble with stocks also


uh I think the returns is definitely better over the long run, ya then, other than that, uh save money in the bank lor


[orh] I just uh as you know I just got back my driving license so I do not own a car


okay so I I do not own any car helicopter aeroplane, so I don't have any vehicle insurance but for work wise I do uh (ppc)


because my workers they are, working in Singapore so as part of the regulations they need to get the, workmen compensation plan, just in case anything happen to them, other than that uh when I travel lor when I travel I will get travel insurance


ya because I think that's important in case like something like COVID happens, then flights get cancelled and all that all these you you will be able to claim from the insurance company, no other


what other commercial insurance do you buy insurance for your pet, don't ah, [orh] okay ya because actually there's a lot of very funny uh all all this very interesting insurance you can get, from uh all over the place


[orh] that one also regulation right it's a it's a must to get for them, [orh] no no I buy those uh pay as you ya travel


ya ya I think, yearly if you travel often it's it's more worth it right, wait so


when are we travelling again, next year ah hopefully ah, okay, [orh] that one ya (ppc) I think


so fire only does it cover theft, ah does it, !wah! I can't hear you clearly lah you want to bring your mic closer to you


ah okay , [orh] okay so ya lah I think this kind of insurance is uh important because just in case the fire break out I think some even cover theft also like people break into your house then they steal all your so when you buy furniture and all the appliances


it'll be good if you can keep the receipts, ya lor so do you have a lot of cash at home do you keep your money in a milo tin can under your bed, no ah [orh] okay that's good


ya lah (ppc) okay so do you think protection is important, ya because because I used to be an insurance agent I think it's very important also, because you never know


when you're gonna fall sick, sometimes it can be just a fever or flu but, you never know what uh it can become suddenly very serious, sorry again


ya it can be a sign of more to come right, okay then I also I think hospitalisation healthcare in Singapore is getting more and more expensive, then if uh you get (ppc)


[orh] but to be honest I think if you really, if you are really sick with all the major illnesses right like maybe a heart bypass or heart disease ah you go and do an operation and all that it's going to be very costly even the medisave


will not be enough to cover lah all the all the shield plans will not cover ah, you can you can and if you uh, I don't know because I've seen uh


definitely must buy lah but (ppc) it's still not enough lah I think so you need something on top to cover, okay so , so what do you look up eh sorry what what kind of insurance are essential ah okay


actually based or what uh like because I used to work in insurance different age group got different needs when it comes to insurance like for younger people right they are more active they play sports and uh like to run around a lot they are more prone to accidents


so for the younger ones they are more likely uh personal accidents is more important to them, then for older people you know as you grow older you are more, prone to sickness so you need more insurance ya that covers the all the critical illness and all that but as you grow older it's more difficult to buy because the premiums are going to be more costly so insurance is something that you


uh you can buy it when you don't need it when you need it you cannot buy, !wah! so sad right


[orh] pre-existing a lot of insurance they don't cover one, medishield life okay that one by CPF board lah


so what do you look out for in an insurance agent, you don't have insurance so on then who sold you the, the prudential plan you go to the bank and you