chat uh then ah , some discussions I think that was that was that was fun that was fun, yeah


can't remember already those are very long time ago thing , , so what's your what is your comfort food that you rely on to cheer you up so when you have downtime what's your comfort food, oh


are are you a girl ice cream, , comfort food is so sweet ice cream, but is it really ice cream is it really ice cream, what what flavour


ah okay okay dark chocolate or the white chocolate, dark chocolate, quite what oh very thick ah okay okay okay what's my comfort food I don't have a comfort food though


I think maybe old #chang kee#, , I don't know is like sometimes, uh , back in the days where there's no old #chang kee# then go A one curry puff lah,


that one different that one that one got old #chang kee# meh there's no old #chang kee# what, , that's normal day food that's not a comfort food, ya but ice cream ah


I only take ice cream occasionally, oh meet , no I don't I'm I'm not a big fan of sweet stuff, ya but have to cut down bro


you have aged already , okay so what describe one of your most memorable travel experiences,


oh that was nice right I saw the photo, you are rich man


oh the outdoor one is a swimming pool or a jacuzzi it's a jacuzzi ah, oh nice nice nice


I I uh, ya, very nice to be back to nature,


I thought they are like buildings people beside, is a uh yeah


ya I think I think for for mine was my proposal trip night, so went to uh, where did we go went to london france and switzerland, so it was a, it was a very nice uh trip because I think switzerland itself right especially switzerland cause switzerland uh I'm I'm more of a nature person ah so it's very nice to really see those mountains valley right uh snow capped mountains especially so so beautiful and so


so zen so calm it makes you feel like you are already back back to nature and, especially in singapore right everyday you just open the window you see HDB flat, that's all, beside HDB, nothing yeah so expensive


ya exactly exactly, , then you can do that right but but if you see the people there are really very chill, people there are very very chill very relaxed as compared to singapore very fast paced like yeah and people are like so #kan cheong# right like rush to MRT chase after bus correct right then like need to fetch kids then rushing here and there but in people people in switzerland is just so


calm they take their own time to walk right from point A to point B, yeah, yeah then you see all the cows moo !wah!, it's like the best best best way to live your life if you are rich just go there and chill


ya, uh I think that they they will buy, , okay lah okay lah still a long way right probably another thirty years you might even hit it who knows


fri what, no need million dollar lah just to find the the correct connection to go there so who in your life do you look up to most


do you have a idol who


you raise the whole family up right, ya expected ya lah


whether this is the kind of father that you know , , yeah that is that is good to have very cheerful people around you right rather than those, yeah yeah yeah, ya at least they can cheer you up and stuff then


uh ya lor, especially like times like times where you moody right then you !wah! you see uh a very happy person you your whole mood change already then you forget about your sorrows yeah yeah so I think for me is


uh probably my mum correct, then especially in, uh, just when I've just started work right where I think my dad my dad has some uh situation lah then my mum has to my mum has to like kind of take charge take over the charge of a breadwinner uh to take care of the family


family then can really see how much she put in the effort, and the the day to day, today today kind of, a commitment that she puts in right and although you know that there's a lot of suffering and there's a lot of like complaints


deep inside but in front of all the kids is always a very strong front so that was something that is uh, that I look up to and always remind myself of how fortunate I am lah to be born in singapore to be born in this household yeah as compared to people like from those very poor country right can't everyday have to fight for their survival


especially you travel so much right you should have seen other country how is it like


then is like every time you fly back to singapore you got feel a bit home you know like !wah! I live at this singapore , !huh! yeah


so, uh what did you use to hate as a kid but now love as an adult, oh this interesting, anything


eating, you you don't like to you don't like to eat meh as a kid


I thought you last time very fat one, ya


, good food ah, yeah


do you cook, do you cook , cooking is another way of like satisfying your stomach, ya ya ya cause you can choose what you want to put inside the ingredient


should try lah quite fun , what do I hate ah as a kid I think I hate running but now I kind of love running because, , yeah yeah


I think that's part and parcel of uh, what what do I hate I think uh, I think last time I think last time, uh when I was young that time it's more on


uh playing sports right like if you play basketball you play soccer you play football, (ppc) all the sports it is not more of a, long distance run is always where short bursts right you run then you score then you come back right, or you run you reach your very very short only like probably less than one minute you reach the other point already then after that when I think I grow older where I was uh put to do uh longer distance run right then at first it was quite


dreadful lah to wake up early to go for runs and stuff but after a while you the more you run you realise, it kinds of like bring you away from all the stressful monday to friday experience that you have at work and you you kind of uh able to zone off lah when you are running that time at a more comfortable pace so and you get to see a lot of people along the way when they run


like some of them are very passionate like going to run for marathon and then run very fast, then you see like the the the face ya you see their face right like they want to die already !aiyo! their face is like can you can can you save me but the determination inside them ah is like


uh they they they got to finish then you then you see people that are like handicapped or handicapped but they are very determined to sweat it out and stuff and those those kind are what motivates me lah to continue to do running like if these people can


uh do it right so why why can't I do it that kind of and also running keeps me fit ah I think after the after certain age right, uh your body start to your body start to deteriorate, right


all all the weird illnesses start to come so I think at at that age is where you have to keep your body fit, uh exercise more eat more healthily yeah, yeah


unhealthy ya this at state of more health conscious, have to ah you will feel it you will feel like your body doesn't breakdown of uh stuff, that fast already that's why you get to have a see those dad bod right there was tummy coming out that no matter how much exercise you put in you still


you you will still feel like you you have a tummy your tummy cannot go down, stubborn fats but, you know well right brian , , like thor


you know thor the dad bod ya, , yeah what eat a lot and oh


with your family


is very nice company you have ah, yeah, is that your perfect day, after work, yeah


ya but that's at that's company expense right


so should be okay lah not a pain for them also and they can get the credit card points for sure, uh, uh ya so what is the nicest thing that someone has ever told, you I I


okay ah maybe I start first lah I think the nicest thing that people have told me was like, uh, uh thank you for helping me, though I just feel very happy everyone tell me that, like you already impacted someone life ah, that you have done something like even even if it's a #ah ma# on the road where you just help them to cross or carry stuff but the #ah ma# just tell you thank you


thank you so much it just makes you feel very happy, happy, yeah brightens the day so tomorrow you tell me thank you ah for passing you the ball,


so what what was your what's the nicest thing that someone has ever, ever told you


just use one as example lah


yeah yeah (uh huh)


, yeah


so nice of you to help her (ppo) she must be so thankful to you also, okay


financial related topic, yeah I have a


oh yeah I have a few err personal insurance so I've a medical insurance I've a uh I think I have two whole life insurance, err ya so uh that's basically it I think my medical insurance if I recall is from


NTUC income and my two whole life insurance one is from tokio marine and the other one is from AXA, yeah and how about you, yeah


, no I don't really have any endowment plan because the endowment plan is like, quite normal one right lah it's like a big kind of like savings plan


right so I don't really require that lah, yeah yeah yeah yeah yeah


ya that one is, I thought that one is under IL investment linked rather than endowment plan it's kind of different, I see I see, yeah because now endowment plan makes more sense uh given that the now the bank's interest rate is extremely low


uh with this uh pandemic issue going on so uh sometimes at at this moment I think maybe endowment plan makes more sense because I think I've seen a couple of uh insurance advertisement that endowment plan is around two percent whereas uh two percent


per per year yeah two point, two to two point one five percent, yeah, yeah I think for two years or three years whereas uh whatever you can get in the fixed deposit or uh savings account is like much lower


so so if, if you don't have requirement for uh some month uh, like you have as spare cash and you don't need to use it for next three years maybe can put in endowment plan that was my thinking, yeah


err, yeah so when I travel overseas, ya ya ya uh that time I have a annual one but usually if I go overseas I will uh also buy uh those like a few days one because my annual one expire already no more already so annual only one year mah


ya ad hoc basis ah like now especially now pandemic cannot travel so what's the use of having a annual plan just waste money only ya correct, ya exactly, I think we buy car definitely will get a car insurance right so because like you never know right things can go wrong on the roads like you get into I think so I think so


I think so and then you like you accidentally get uh crash into other people's car then with car insurance can cover a lot right so so it's much better, no leh not as Bobo as you , yes


property I think yes I think uh property you have that fire insurance right so I think I think if you, buy HDB you definitely have to buy the fire insurance in case, uh yeah yup


I think private not not compulsory, oh I see I see, ya exactly yeah ya that that is


ya that that is another type of, uh insurance I think that is mortgage insurance rather than fire insurance, yeah yeah I think that's the mortgage insurance so basically uh I think if let's say you are the breadwinner sole breadwinner and you are paying the uh mortgage loan


uh every month and then after that you buy this mortgage insurance so that in case something happened to you like you lose your job or you touch wood get into accident or whatever then at least, uh your wife and your children don't have to bear uh for the mortgage loan cost so basically the insurance company will pay for will will help to service your mortgage loan


yeah so that's the mortgage loan issue I think that's the mortgage insurance, yeah exactly, oh I think


yeah freebies is not the most important one right I think, uh ultimately is the price and the, uh sum assured, or or or the coverage so that's the two that is the the critical factor of course uh freebies will be good but that then that's like the term that's not that important as compared to price because you can be paying a a huge amount of price for a low coverage and then people give you freebies that one not worth it right


ya correct a lot of freebies, , , yeah but yeah, ya ya well I think it depends right so I think some insurance companies still have a bit of difference in terms of the pricing or the coverage but if it's like the same two companies with almost the same coverage and almost the same price then then the then the third one is to look at


err which insurance agent is better if it's the same insurance agent then after that then really depends on like, err what kind of freebies or or or or whether there's like , maybe uh some insurance agent they oh oh oh sorry some insurance company they have like uh first year you pay half of it or whatever that kind of thing


I see so in the end who who did you buy from like you say you have a few friends, oh I see, I see I see okay okay do I know him or her


I see him before okay I see, ya ya I see okay oh


uh I I think uh the the most important one is uh like I say uh based on what the insurance that I bought which is uh medical insurance as well as a whole life insurance, or or or or you or or like, uh life insurance or and as well has uh maybe some kind of investment related uh insurance for retirement per person


so now, yeah correct , so now now start to build the pot my my retirement pot mah, is yeah


why would


so I have a investment linked uh insurance that's for uh building my retirement pot uh I also mix some investment uh separately for my, for for my own uh retirement, as well uh that that one is uh through the banks


uh not related to insurance no link to insurance ya, ya mixture and how about you


I see but you buy term, you buy term insurance so basically you buy term life, but then term life is until certain age right like seventy years old


oh okay you buy into it


okay I see yeah and I, ya my my my insurance agent also uh tell me to buy term, rather than whole life than say because term life is so much cheaper than whole life right, but then so like basically they will protect you until certain age but then if you happen to be uh but then after that whatever the difference you can go and invest and then you build up your pot so in case something happen about that


ya exactly exactly so so, ya uh nah I I I will just stick to whole life at least I'm covered be it like it if I die at eighty years old or ninety years old I'm still


but they're just, no lah I never go term I just go, uh oh okay, actually I think don't need uh I actually I think don't need so much so so much lah anyway you die die already mah you don't care already by then by then


the the the the the your your your kids should have kind of grown up already they should be, ya they should be able to, to uh support themself right so, yeah


yeah exactly getting more and more competitive, , yeah yeah


no I don't think so, , uh, yeah I I I don't I don't think so that's why that's why I also went to buy a medical insurance right to to to enhance my uh coverage right I think the CPF insurance coverage has to be uh


yeah and I think there's co insurance as well, ya if I recall correctly, yeah


well, well I think uh it's uh it, kind of depends right so uh because the ILP that I bought is uh basically is a dollar cost averaging thing so basically every month


put in uh uh like five hundred dollars and then after that for over thirty years, and then after that uh and then they will help you invest and to build up the pot and then I think after ten years I can just


uh stop at, take out the money you know ya ya ya ya so, but that uh so if I happen to die then then they will just pay me the highest the the higher of the uh sum assured or, uh or or whatever that it


I don't know I don't know uh, that one, ah ya ya ya ya co ya ya I think so, ya so is the higher of


the sum assured or whatever that is in the invested amount, or or or the in in the pot that kind of thing , yeah correct so


no I have a uh I have a separate unit trust that that that is sitting with uh this, this one I think they they put in a few they put some in bond some in share some in uh unit trust, so there's a mixture


oh no no no, I see , yeah so my one my my one I think they buy some share


or or or buy some uh stuff from the, fundsupermart there's a mixtures of some funds from, oh is it okay I see so they buy into some of the funds and stuff, ya correct yes got in


I see ya but but then but then uh because some of the funds right because you need to have like big capital in order to to to be able to buy into some of the funds right so


ya correct so I have some blackrock uh uh funds inside uh so so basically this uh the insurance agent told me is that , with people but the the purpose of this right is like they pool all the retail people investors or whatever and then after that then there's sufficient capital to buy into this uh funds that that not on normal average


person can can do it, is it then I don't know ah I think, then probably oh I see


yeah I don't know then then if that's the case then probably is unit trust lor, ya so but basically this is what my uh insurance agent tell me lah, ya oh


(mm), (uh) yeah I was approached by an agent


negative experiences, what makes me stress uh honestly I don't really stress


a lot, but I do have certain occasions when I stress uh that was like maybe before exams or before uh, a very important, event the next day so then sometimes I will think like I think


that time before err, or one day before my wedding, yeah I was quite stressed I couldn't sleep well the day before my wedding, ya because I slept a lot, and then never really plan much for the wedding thens everything last because I'm a very uh last minute person so I like to procrastinate lor and then on the


like, uh one day before, uh my wedding then I start to err, uh think of uh start write yeah start to panic and then uh write the speech uh plan the speech wedding speech and everything and, also try to uh do some err


uh audio oh sorry music recording in terms of like uh to mentions to to play in the background, uh during the uh wedding dinner, yeah yeah yeah, ya correct correct so


so in the end I I I was, I'd, until like one or two one thirty AM then I sleep but then I couldn't sleep well and then like, four thirty AM or five AM have to wake up the next day so yeah, yeah how about you


, uh well I think this is


probably, uh uh when I was about to graduate, for your interview is it, uh , can I can I pause uh my earphone got issue


I think


I see


uh can you hear me now, ya okay good, ya okay good uh ya so I think , probably that was uh when I was about to graduate from uni I was looking for a job uh but somehow


err, I couldn't really uh, I went through a lot of interviews and couldn't really err, get any job, so I went I I I went to interview like I think at least I think I I submitted applications for job applications for at least eighty different companies


and I think I got called for interview for around fifteen uh to for for different fifteen different companies but then, ya but in the end none of the uh I think only


one out of the fifteen companies I manage to get a job uh so basically I went for a lot of, that that was really tough because like I was so demoralized uh because keep getting uh, interview and then there's like


two or three companies I get to the final stage already so it's just between me and the other person, and then and I I I in the end I didn't, get it so it's it was really really really sad it was so close you are so near yet so far that kind of thing and then ya so but I think probably because of the


companies that I apply to uh or or or the jobs that I apply to uh work for all the management associate program or all the graduates program so in terms of the competition it's, pretty uh tough, uh and and and I recognise that I'm not a very uh uh very very err


intelligent person or very capable person uh ya so and and I think because of, uh uh, how we are trained in ours uh university we are not, ya correct we are uh in terms of our interviewing skills is not as good as uh uh uh students from another university whereby they they most of the time they spent a lot of times on debating with each other or or contributing and and speaking up in


in their class so it's a different environment so so somehow I think, I think a couple of my final stage interview, uh always lose to that university's student , ya ya correct


yeah I would say uh in the end it it was a blessing in disguise, ya correct, yeah yeah yeah one thing that I wish


, well, I think, err


in this in our life there's definitely uh quite a number of regrets, or or or decisions, that you made and then after that you uh, you you regretted after that, uh but I don't, I can't really think of uh any at this moment because there's nothing that is uh very uh have a very deep impact on me that uh


that that that yeah that uh I regret until today so ya, yeah, maybe


okay


any particular reason why, any particular reason why you want that to happen


ya sorry, hello hello can you hear me


hello can you all hear me


hello


one thing that I, uh wish I could change so I I think the one thing that I wish I could change is that uh, uh that


if , I can , uh study harder when I was uh, when when I was in


err, university or in during my O levels or A levels I just want to , I just want to , work harder and study harder so that I can get better grades and then get into uh I I think more of A level because I think I wanted to work harder


and , uh do dentistry I want to study dentistry but then because my A level results is not that good, as in it's it's decent but it's not very good yeah I think uh I only got two As and two Bs for my A level so it's unlikely to get into the uh uh faculty of dentistry uh in NUS


so that is something that I kind of, err regret so I hope I I I if I can study harder and score better results, during my A level then I could get into the faculty that I want


and , I think some of the, I have heard some of the uh hurtful words that people said to me I think uh I think people were saying that I


am uh, uh they say that I'm, uh arrogant, sometimes if I uh and then and also uh some people say that I am


uh I think, what are the hurtful words, uh say that I'm, err, too fake


yeah say I'm quite fake, uh yeah, so that that that that that's about it you all can hear, yeah, ya I think this are the one of, uh things that people say to me lor so which made me quite sad


ya, I think other than that not many hurtful words [ah], ya I think probably I'm a nice person that's why not many hurtful words


positive experiences, actually so far I don't think I have


uh there's any memorable birthday present that I have received, ya ya ya, I haven't gotten any memorable or best birthday present uh that I feel is considered the best birthday present because


uh of my because my close friends all not uh good enough to give me a, a birthday present that is considered best enough so take note ah, ya, yeah because there's a and why mah so I told you my why reason already yeah and how about you


also don't have leh eh also don't have leh actually yeah, Sian oh see , oh I


I see I see so so so the two years ago one the the birthday surprise done by your wife is better than the birthday surprise that was planned by your ex like ten years ago or or five seven years ago


okay, I think ice cream eh I like to eat ice cream


eh why you so sexist over it what's wrong with eating ice cream, okay ah, yeah I think yeah I think I enjoy eating ice cream so I feel that that's


uh I think chocolate, and how about you, uh dark normal ya dark chocolate, not really dark chocolate lah but like uh chocolate that uh chocolate ice cream that's quite Gao


that kind ya very Gao, like very thick ya, old #chang kee# oh back !wah! so back back in the days you always go


old #chang kee# with your ex, no leh I thought that time during tuition, the time you always go, go old #chang kee# or Yoshinoya ya old #chang kee# and Yoshinoya with your ex


, oh okay I see, oh you really you not a big fan of ice cream, I see I see yeah I'm a big fan of sweet stuff I like bubble tea ice cream uh still got what


yeah I know, one of my most memorable travel experience I think I think that's uh uh probably my honeymoon I went to uh Santorini


uh in in greece, there is like really really beautiful and like like really living the life of like a rich person like we book, yeah we book a, a hotel


uh uh err, suite whereby we have a, outdoor private uh jacuzzi, and the outdoor private jacuzzi is facing the caldera of the Santorini so !wow! that one is really awesome and then after that because


is a jacuzzi is a hot hot tub jacuzzi and then is like, like like wes although like we were there, but we are spending like maybe like at least, three four hours in the jacuzzi like in the morning we we in the jacuzzi at night also in the jacuzzi yeah because it's like like the view is really good and then just just chill then we buy uh cider champagne then just


lie down there uh chit chat heart to heart talk and, and drink champagne really like the rich man style lor, then it's like and and and it's a private jacuzzis and then basically no one cans uh uh can can enter


ya but but then is uh the the way is built is that people, uh is quite private, and uh there's quite a lot of privacy and then after that ya then you can see the whole view like Santorini view is really spectacular so so so that's the most memorable lah for me


yeah (mmhmm) (mmhmm) ya


like don't smoke yes correct, yes yeah , yes yes yes in fact that time


yes in fact that time when I was in uh switzerland with my wife we were planning to uh retire there but then it but then is just way too expensive to retire there like we I must be like, a millionaire or billionaire then I buy a house in in in the mountains and then and then ya ya but impossible lah I I


ya ya very chill ya, and very nice very calm, yeah yeah uh exactly yeah yeah I see ya ya correct


yeah it's just too expensive ah I can't, oh ya oh I think unlikely for me to fulfill my retirement dream , , yeah


I need to try a trading house, to get a million dollar for bonus then I think can


uh I think is probably my dad, uh I think my my uh my father, ya because I think that he's a very very nice person very


uh, outgoing person and very responsible person and uh like he raise err up four kids yeah including me uh with just, uh


with all his own efforts and stuff so so I think, is something that is quite remarkable lah I feel so I I I really respect him a lot, and and and and he's also very funny like he's until now like still uh uh joke around with me


like like like this kind this this is a kind of father that I want so I'm also doing the same, uh, uh for my future kids', life, joke around and then right right it's like, yeah , yes yes he has a very good sense of humor basically


yeah yeah (mmhmm)


ya ya ya I I I do agree that uh I also feel that I'm quite fortunate to be born in singapore uh, like singapore is quite developed and stuff, uh as compared to other places like africa or whatever


yes correct ya correct, yeah so yeah yeah, yeah and and singapore is pretty safe so, so that that that that's good so


ya, what do I use to hate as a kid but now love as an adult


I think eating, eating uh eating eating, Makan Makan, ya eating food lah so when I was a kid I don't like to, eat a lot, ya when I was a kid yeah I always


uh don't like to eat a lot and a~and then my parents and my relatives always say I'm very skinny and whatever, yeah so no , no so, now I'm much fatter than last time ya so so ya when I was a kid I


don't really like to eat I think when I'm like maybe around like five to seven years old or five to ten years old that kind don't feel like eating every time eat a bit then Zao already but then , but then now yeah I like to eat like but probably is also, uh but probably is also different right because like when you when you were a kid basically you eat your parents uh uh the the food cooked by your mum and then after that


eh uh once you eat for a while you also feel Sian right but then now when we are adult we always like to go out and eat right eat all the fancy restaurants with all the fancy food so so it's kind of different, (hmm) no I don't cook really ya ya


okay , are you sure you love running, I doubt so okay,


sounds like your wife ,


so now now you have reached that stage of uh, keeping your fitness, oh you are more health conscious now, health, yeah


no I don't know well, yeah, I don't see any or anything popping out at my tummy, yeah yeah, uh yeah I know yeah, I I just went to eat a lot and drank a lot yesterday night


uh drink a lot of beer yesterday ah, yeah, no no no I I I went to meet uh my counterparty in in work so then can expense from the company mah company pay for it then we spend until like two hundred fifty dollars on beer and food


, no lah is like that one lah, uh oh, uh I think okay lor I wouldn't call it really a perfect day eh, normal lah normal lor normal day usual day


that's what that's what we always do ah, but I the the amount of money I spend is so much lesser than what my boss spend ah like he go and entertain customer is like seven eight hundred dollars one


ya ya company expense, yeah correct ya correct


what is the nicest thing that someone has ever told me ah, (hmm)


I see, oh uh don't need, don't need I can take the ball myself and shoot it across, and score


nicest thing ah, , well there's a lot of nice things that I heard uh from different people but, don't know how to know, yeah


ya so I think uh, got someone say I'm like uh very nice lah in work like I do most of the work and then I I even help my colleague do do do her work when my colleague cannot make it lah


so but then uh because I think that time when she joined she still under probation so so basically uh once I finish my job I still help help help her with her work lah then then my another colleague will say like


I'm I'm like uh so nice to help her like, even though she really cannot make it so because probation period mah and then like she has a, a daughter and then she's a divorcee


uh and and she's from UK so and and she came here to work, uh so and and then her her daughter is still in UK so and then


like she come all the way here to work and then uh rent a house here and then if she cannot found a find a job and some more like she lost her job previously because she got into a car accident, uh and she broke her leg so in the end the company cannot uh keep paying her or give her sabbatical leave so in the end


then in the end she has to stop working [oh] so she stopped work for two years already and then to recover from her (uh) broken leg, yeah because she got into a car accident


okay, uh part one financial related topic


okay uh tell me do you want to talk you want to uh talk about the first thing about savings account


for me I have multiple uh savings account with different banks because I always on the lookout for uh savings account with better interest rates for example like I I recently changed uh


my account from one bank bank A to bank B because of the increase interest rates for example due to crediting salary all all the criterias, so I'm still constantly constantly on the lookout so uh personal savings account aside uh because uh you must know personal savings account the interest rate are actually not very high so personally I will do some investments in the sense of like buying some stocks or even have some uh some some of them put in bonds


because I think uh that allows uh, uh some returns and like you say accumulation of wealth, ya because if you put everything in the bank the interest rate is the interest rate in the current I mean the the normal environment is really very low at zero point one two five percent so


for me I will I will try to put uh example some of my disposable income into basis which can generate higher uh savings over these ya so, correct correct


for for for bonds example there are different type of bonds there are treasury bonds which are like from US there are also like government bonds uh uh one very one very popular one will be uh singapore savings bond so singapore savings bond, uh but then I advise don't buy singapore savings bond because the interest rates is very low but then like for me I buy example bond from companies example probably from like uh example SIA example uh big corporations bonds so at least uh the returns example you buy the bond for five years the returns probably is like at at least


two to two point five percent interest rate so I I think is quite a stable uh investment return so uh like I will if you mean if there's a trench for company, bonds I will look at the company then I will determine uh what are the risks everything risks what are the returns then what are the what is the investment timeline then I will go and buy the bond and apply then for stocks for myself uh I'm on the lookout for so called uh


I actually I try to diversify my portfolio they always say don't put all your eggs in one basket right so I try to diversify, then uh you look look at stocks from technology from banks but then primarily all my portfolio is only singapore I'm not looking to go anyway overseas or other uh exchange region any other overseas investments or stocks overseas


ya then uh #yen wang# what about you are you open to about like investing in uh investing in stocks or even higher risk high risk investment products instead of the many conventional like example endowment plan or savings plan


(hmm) I see I see I see I see I see so actually you are talking about endowment plan right uh do you know there are like different types of endowment plan example there is like those lump sum endowment plan or like there is those


uh endowment plan that is like periodic pitch means every month monthly uh ya so what's your preference normally do you like to lump sum lump sum pulled down or like I mean like what's your what's your trend of thought


so optimistic


I see I see like personally I also I agree with your sentiments also I still prefer in lump sum uh lump sum for me uh if you just say lump sum in terms of lump sum investment lump sum or or or putting into a endowment of fixed plan, so maybe like talking about all these uh investment or or uh investments or putting endowments uh my perspective is that jumble like we're on the lookout for products or are looking at the markets right and looking at


like okay this this product this stock or this bond can give me a return of at least like two point five to three percent at least it will tempt you to make action right because I don't think I'm like those active trader or those, uh very uh professional I mean investment analysis so I'm just a uh like day to day just a very normal person


based on my limited knowledge of the markets and uh products then I am going then I seek then I will choose a choice but I will share a few uh, I will share a few considerations that I'll put into uh place, before I decided to invest like first thing like you say like you mentioned earlier the reputation of the company or the product example the companies from DBS is a DBS endorsed products okay so I mean that give us some confidence lah


then the second one I think also quite critical is the investment return like just now I mentioned earlier about singapore government the singapore savings bond, even though so called is backed by the government but the interest rate over ten years is is very low I think it's about one point two one of the tree percent I can't remember but it's very very low it's like not even to me it's not even worthwhile the effort right to actually even put put into the singapore savings bond and then I rather just leave it in to my bank and wait for better opportunities


so I mean that's my take lah so so I think interest rate and returns affect my decisions a lot then also third review also like what you say uh do we have do I have any big ticket items that I will want to purchase I'm looking uh uh looking in the maybe next two to three third uh next two to three years horizon


right if I've I've a big ticket items then probably, I would maybe like I will try to tighten my wallet everything then I will not try to invest or you have to invest smaller portion so I think that there's a lot of of parts of my of my decision to invest or to save


ya so but then right now in in current climates effect to me uh to me if like there's two point five or three percent interest rate for for I don't know for uh, uh I uh maybe for government bonds !wah! I'll be very excited I'll be very excited to, then I will go and buy and invest because right now the current interest rates is very low and then uh a lot of prospects and onset of the of different sectors are not very promising


okay so I think maybe I think moving moving forward moving on from uh talking about savings account I mean let's talk about maybe spending maybe spending right like do you will you are you a person who like uh I mean uh spending are you a person who like, I don't know uh like own a lot of credit cards and then I choose uh the different credit cards to do your spending example just say this credit card give like oh thirty percent rebate from Zalora or thirty percent rebate on lazada


then you go and choose you get like you go and get a credit card or something or you're just like okay I just uh one credit card right then I then you will just like uh use for all like because like to you maybe regardless the rebates amount is is the same to you, ya


ya sorry sorry sorry what's your what's your average spending per month, uh like I mean I mean just a monthly monthly one because you say you are not a huge spender but it's just sometimes know huge spender I mean it can range from one it range from person to person I think a definite amount is definitely more


I don't know justifiable or, more definitive, (hmm)


okay, I see I see


okay okay so uh actually for me I uh I beg I beg to differ I beg to differ about uh it it's not significant lah because uh


uh I don't know maybe I'm a person who like to go for a cheap thrills okay I'm a I'm a cashback person I instead of like points or miles because firstly uh I don't travel a lot I where I travel I think I travel to nearby countries I don't I'm not like those uh what wanderlust traveller must always one year must travel five six times I'm more of like a


boring person I travel with my loved ones maybe at most, three or four times maximum maybe four times a year so I don't really believe in miles I also don't believe in like sitting business class so I prefer in getting cashback right and right I mean you see I mean thankfully you see all cashback you see you look at you look at the current environment COVID environment now who can use the points of miles to go and go overseas


I mean like for for me I I'd rather get the, the cashback and also say like example I am using a credit card right now uh it give me some it gives me a one point five percent cashback I mean one hundred dollars I mean uh where you calculate one point five percent is one dollar fifty cents it doesn't seem a lot but example on average you spend around five hundred dollars a month that's around probably seven fifty dollars


and maybe a month that you spend thousand dollars that's already you know fifteen dollars ya so I would say accumulative over the year you actually, actually can like save uh a decent amount of, money for me like I'm I'm a I'm a very cheap thrill ah I like to I like to see cashback I if I spend I mean


I have a how to say it I I think I'm quite discipline okay sometimes I'm not been discipline but most of the time I'm quite discipline in monitoring my expenses my expenditure so I roughly know every month how much I have spent and based on that amount I spend on my credit card, I I'll able to anticipate okay I am able to save this amount of money and then this amount of money I mean over the twelve month term at least I don't know maybe can cover one grocery session for my mum or my dad


so ya maybe I mean that that's my perspective lah so that's why I really prefer cashback more but then for but I mean I mean it differs from person to person lah like you say for people who really want to like, because I got a friend right who loves uh travelling so he thinks that miles is better so he say he can like accumulate the points in miles right then after can exchange for business class


because if you pay for business class right in cash terms you actually need to pay much more uh for me I don't believe in business class lah I mean unless tomorrow I strike TOTO ten million then then okay lah then , ya so anyway for the credit card that I'm using uh is is a HSBC credit card okay so the funny thing the funny thing is that I don't have a HSBC so called savings account all my all my so called uh disposable income are income is actually credited into OCBC or DBS account


so I just purely own HSBC account credit card just for the cashback, just for the cashback just for the benefits, because I compare to the to OCBC and DBS account the returns are like, uh I don't know and the returns are like minimal and then that is a waste then the the beauty of the beauty of this HSBC credit card that I'm using right is that actually there's no minimum spend right I spend one dollar I just get one point five percent back I spend hundred dollars I get one point five percent back I spend two thousand dollars okay two dollars dollars above you get two point five percent above but


I mean the beauty is there is no minimum spend so example just say january february march february I spent two hundred dollars I will not be faulted I'll not be faulted that for the interest rate as compare to example UOB one account credit card last time I previously I have it lah you have to spend uh consistently five hundred dollars a month


so uh ya so as a as a person who does not have like a family or like uh consistent utility bills or recurring charges uh to me I don't see the advantage lah so maybe at this point of my uh this point of my life I'll just prefer a normal cashback with no minimum spending ya so ya


ya, correct correct I uh I I actually I also will say that maybe there will be some strategy lah just say I'm I'm I'm getting a new house soon I need to get, uh I need to get furniture I need to get all those furniture need to get fridge need to get get uh the necessary items for my house right so


then just nice maybe I I get married recently I'm going to have a house then maybe you want to have a honeymoon so you need a strategy is that go and apply a new credit card with miles one so uh so after that you go and buy all your big ticket items then you clock all the miles then after exchanging for maybe a free uh economy class tickets to some where else so I mean that's a strategy lah but


over consistently right long uh long period of I mean long duration I don't think a miles card will be something that I mean will be my preference lah I'll, rather uh a cashback card for me anytime anytime cashback card lah maybe I don't know maybe I don't maybe the uh the bank will try to convince me otherwise lah because uh I think I got few times I try to cancel the card and then they said okay okay I waive off the annual fee for me then okay !wah! feel I feel very happy


ya I think that that's the that's the only reason uh they give me I think got one time citibank I I have a citibank card similarly I don't have any citibank savings account, so that time I want to cancel my citibank card then they say okay uh uh we give you a so called uh benefit or like I don't know for for loyal customers or something so they say okay if you spend a hundred dollars in that month we'll give you fifty dollars rebate or something


then we also give you additional ten dollars voucher or something !wah! I was so enticed so I I and then they also they addition in addition they will waive off my annual fee so at that point of time I was so excited okay okay I say I will keep so after that I spend for that month right after that I never spend because that that card right need like minimum spending of eight hundred or nine hundred dollars a month which based on my current lifestyle I don't think I hit it


ya ya so ya that that's my, for me four for me four ya, , discipline lor if you got discipline you can monitor all four if you have discipline ya if you have discipline you will monitor all four right you see anyway it's your money I think ya personal finance ya


should monitor ya


okay, part three negative experiences, okay


ya do you have phobias how did you overcome it is it that one okay


okay


, !wah!


okay uh wait ah give me a couple of seconds give me a while for


so sorry so sorry yeah so sorry so sorry okay, so uh uh uh talking about phobias uh, uh say uh I think I share the same phobia as you of the I'm failure of thing I mean the fear of being mediocre right like it's like it's like the insecure feeling that like no matter how much you try you still pales in comparison with some of your peer you still pale in comparison with other people they always say singapore is like a rat race so I think internally I feel that


uh like probably I'm like a rat I'm also racing other people but I'm not trying to be better at them I just feel that like uh I'll not be able to like, succeed in my own ways which that can like, uh which that like can satisfy me or something I always feel that like even if I try my best and put in a thousand and one percent I'm still uh not be able to achieve the the things that other people do so whenever I think like sometimes when I look at other people like look at some other more successful people I'll always like being green with envy


so I mean that's that's one of my greatest fear, so in life I don't think I fear I don't know I don't think I have, how to say I wouldn't say I wouldn't say I'm fearless I wouldn't say I'm #ong bak# or something I'm fearless or something uh I think maybe one of my many fears is that I think sometimes I have uh


I'm scared of trying new things or something right I, uh I'll be uh passive in terms of like trying some new things that I never try before you so people tend to like fall back into comfort circle you know I I'm not a person who lets you go into like example if you ask me to go to uh those theme park then ask me to try all those extreme sports or or those uh extreme rides right


I'd be a person will say no no no thanks no thanks I'll just want to be a normal then I just want to like uh do things that I enjoy or like things that are like more peaceful, so I will say my greatest fear and maybe one of my greatest flaw is that I I don't like to try new, things lah I think that is something that I should I should improve on lor ya so that's for me on greatest fear maybe let's run through the thing let's let's see what we can do uh


like sorry this, oh in a post COVID uh world what are some of the worries and anxieties that you face go ahead let me sure


, okay so uh for me let me let me talk about this in a post COVID world what are some of the worries anxieties that you face firstly I feel that like uh just on my current job scope right, will I be irrelevant in a post COVID world will I still be able to like uh I I I did question I did have this this type of question in that like will my job be still relevant will my skill set be still relevant


and I I like I also think of the uh uh for me I think of the whole supply chain like I mean like in terms of tourism that okay, just said tourism industry is been affected how will it affect our country how will it affect the people right I I I, just very concerned on many fronts for example some of the more elderly people you know some of them they're doing uh sort of like waiters waitress they're doing like been been a security guard all these but then in a post COVID world all these could have big changes I don't know maybe like deliveries will now be the norm


deliveries deliveries eating for home will be the norm cooking will be the norm you don't need so many waiters waitress you don't need so many cleaners many more jobs are going to become more redundant then uh then I also I also worry about my parents lah because my parents even though they're, uh I'll even though uh


like uh, you know they all they are not at the retirement age yet but I know that they sometimes they want to work because uh they want to kill time, they just don't want to be stuck at home I just worry for them like uh in the next few years before they retire just say if they lose their jobs all these so what they going to do at home right they are going to be grumpy stay at home and ya and then for them like they didn't have opportunity to travel much overseas because when they're younger I mean when


uh when they're younger they only work hard for their family they have because they have to raise my siblings and I, but then then there were no opportunity to go out less interaction everyday stuck at home, and ya I just like ya so for me in a post COVID world there are too many dynamics too many changes that are


it's something that we have all never expected it I mean like I mean humans are smart humans are, definitely adaptable you definitely can come out from this whole situation but uh how does it impact our lifestyle I think we uh start we uh we start to see things changing to a new I mean start to see things changing not because we have really want to is because of this situation


for example like okay just say web conference meeting uh I believe many companies already have their web conference platform on their system on their computers but then uh because of this situation then it escalated, uh so quickly it accelerated the use of technology right last time probably some of my my my managers and leaders will say no lah no lah don't use that one lah cannot hear you cannot see your face but then right now everybody's fine with it everybody is rampantly use it just just it's not just normally using is rampantly using it also so


so I will say that humans are adaptable I mean like situations will force us to adapt all this lah ya so, ya overall I'm not sure overall I'm not sure if like uh I worry I mean I worry for the future generations lah like if next time all of the country uh adopt protectionism uh policy or something


we will not be able to have free travel cannot have free trade I don't know maybe back to cold world war I mean cold war not sure so I think I I think I worry on on some of these fronts lah what about you what about you Yangs,


agree agree


just now you mention about interaction maybe like I'll also like to add a bit more like I mean I'll I'll mention about interactions, interactions like so I just want to mention a bit more about interactions like post COVID right interactions will be very largely different like I feel like can you believe it that uh next time we have like team bonding I think cohesive uh I mean team


building sessions via skype or thirty conference platforms and imagine I can I can imagine I even think of like playing bingo right on the platform, err each each each each people some of the number that you then the the boss or director will just announce some number who win then who can win so that's a bonding session then you just like reduce so many so much physical interaction I mean like err I I I don't know ah just like you can imagine


ya ya ya, correct I mean like it it worry me personally I don't reach the part about worry but it worries me because like you you just lose touch you lose your socialising skills when you meet with people you just have nothing to really talk about I mean I do feel sometimes I'm like when I catch up with my friend after a long period after the circuit breaker like


there's really nothing much to be catch up on how's your work okay I mean that's a normal topic others will say eh how's at home you just, then after that there's really nothing there's nothing really nothing much in our lives to talk about, so I don't know is it because uh my socialising skills have faded or like become become more introverted due to this a circuit breaker or just want to do my own stuff or like


or just this circuit breaker has really like grind off like some of your interaction skills you won't be you will be now be so called being shaped to become more I don't know introverted I guess because forced by circumstances lah, so that's I worry lah also worry ya there then also my my parents they like to go out to meet with their friends or


visit my visit their grandson their now that now they cannot, right so ya they may lose a lot opportunities to interact with their friends ah, then they become more grumpy or become uh I don't know, more frustrated ya that that that I think that that will be like more of my worry lah because lack of interactions probably like lead leads to more unhappiness


ya so, ya okay can ya let's let's move on, , sure sure sure okay maybe you choose yup, no then I choose, uh


this this one I


okay, okay ya


I see I see okay (hmm), I wouldn't say I that's how I was trying to think while I was listening to a conversation I think I think that I think if if I were you I'll be very angry lah I will fight I fight to the person, I will raise up that I will escalate the issue I is not about is not about the I think it's not about the sometimes it's not about money it's about the pride right like but at least I I would say probably accountability


ya, okay so anyway about me I wouldn't say there's an event that made me very angry but uh maybe something that made me quite upset or like a bit disheartened, okay my workplace I'm in a in a I'm in a committee so I'll be arrange all those uh benefits for all our staff welfare for the


for the for the company so when I join I was very enthusiastic you know I'm very enthusiastic like okay I feel that okay I have some ideas maybe I contribute right then but then like it just becomes this whole committee I feel it feel like only only like I think only two or three or four person is like really really dedicated or like really


put in their effort at least put in their minimum effort to really contribute to the cause the others is really like you know there are some people cause I'm supposed to take down minutes I'm supposed to check attendance some people can disappear for six months eight months totally disappear then we went asked we say !wah! busy with work busy all these then


in my in the first thing that comes to my mind is that you're so busy, then you why why do you even join the committee right if you join the committee if you there's if you join a committee there's a bare minimum expectation right, there's a bare minimum expectation that you should, uh, uh I think you should like be accountable to others right you don't just join then after that the worst thing is that I believe that they join already then after that they put inside uh then they say oh they contribute in a certain way I think that that frustrates me a lot because like if it's because of machinery that you're not doing out of


what you really want I mean even if just say ah just say even if just say that probably your boss enroll you I I guess lah, your boss enroll you then you just try to do it right you don't you don't go and cover and don't do it then after that try to say no I got do contribute then I just I just feel extremely frustrated then some of them like uh


I I just feel to me like a lack of a lack of accountability just frustrates me a lot like I just feel like you have you have must everybody must sense of responsibility and account I mean be accountable to other people if you are part of the committee just say I say I indicated my attendance right on microsoft outlook then I will attend


right if you cannot attend I think you just you should respect the meeting and tell them in advance that you cannot attend you don't go MIA after that disappear already totally never say then after that people ask you why you never attend then you'll say oh sorry I got another work, come on I think just plain disrespect that just plain irresponsibility at the so therefore that're that're something that uh frustrates me lah I wouldn't say it's a particular event I wouldn't say it's a situation I'll say it's a type of a certain qualities of people which frustrates me


so ya I think I think that maybe I think okay [lah] in view of the time if there's some <UNK> (uh) the discussion for, these negative experiences in our life, okay


okay done, part two positive experiences, sure sure


yeah, ,


(mmhmm)


okay okay great !wah!, this is a very difficult question for me right best best birthday present I I really cannot uh single out once one uh best birthday present because I mean like normally best birthday present I mean birthday presents normally they give you I don't know my parents gave me #ang pao# for my birthday


or like uh or or my uh, my sister treat me to to something threat me to something so something not not that it's not like example your your soft toy dogs that's that's completely silly you know some of the material items that last time my my uh sisters bought lah I remember my sis one of my sister uh my second sis


bought a wallet for me uh uh, on my twenty first birthday uh but I wouldn't say that it's my best birthday present so I'm trying trying trying to figure out what's my best birthday present, but I really cannot determine then uh, my girlfriend also bought me uh a wallet and a I mean wallet on


two of my birthdays and and the belt also I wouldn't say it's the best birthday present ya I wouldn't say it's the best birthday present because uh, I I'm a person who doesn't really care for all this so called material items because I think I'm just really realistic and pragmatic I think like as long as probably my uh uh my family and my loved ones are all round I'm able to spend time with them I think that is just enough for me lah because I like I I also like just now what you mention


earlier I'm not a person who I mean uh similarly I am not person who you know like uh like branded stuff like branded bags or something I don't don't like uh I don't know I I don't chase for all these I don't like to keep up with trends also I'm just a very, uh boring person lah but then what makes me happy day to day and also on special occasions is that I can spend time with my loved ones spend time with my loved ones maybe no need to be spend that time but then uh the fact that I am celebrating the day and then they are around you know that that that that that just makes it very comforting for me


right even though I don't express it I won't go and tell my parents !yay! today is my birthday I feel very happy ya but I will know uh but in my heart internally I just feel very happy lah so I hope that you can continue to give future birthdays lah so ya so , I really cannot I really cannot think of the best birthday present lah so probably let maybe let's skip to uh let's skip to let's skip to another question like what's your biggest blessing in disguise okay I think no maybe let me say first allow me to say first I think I I think I shared with you before about that


for for err for this discussion maybe I will just share with it right so, I'll say my biggest blessing in disguise my uh I my current up until I am twenty seven years old I'll I'll think is, uh back to my university days okay during my year during my year three then I apply for internship right so I wanted to go a I wanted to go to a very famous uh international petrochemical company uh in uh for internship


and at that point of time the internship allowance for that company is actually the highest among all of the engineering companies or of the companies that I wanted to wanted to join so I was very excited so I I applied that so I so I mean uh in the school portal you have to put in three choices so there was a second and third choice right so


uh I went for the interview for the so I was I was very lucky I was able to win offer interview for internship for my first choice I was very happy you know as a young aspiring uh undergrad I was very happy you know or not it's like I can I can in my mind I can see the vision of myself working in the company you know even before I went intern I already can see myself working in the


company so so I went for internship !wah! the internship I can tell you is one of the hardest I'll I'll say, is is the hardest lah I would say the hardest interview I have ever done in my whole life because I never expected it to go into so technical into so I mean to so much technical details and expect you to like explain in detail to the interviewer


and I I still remember that the interview when I answer something the interviewer say are you sure so it's like I like in my mind I am actually struggling it's like, like I start to have self doubts it's like I began to have second guess so but that means overall right, when I came out from the interview room I'm totally depress and what makes it worse is that as I come out from another room another intern which come out another interview room is are happily


shaking hand with another person with another interviewer so I was like okay I was like okay uh my chances are of securing internship with this company is long gone I mean anyway I also understand that is, quite competitive to get into this company as an intern of course long gone so uh coincidentally uh my second choice company offer me internship also so but then I was given a deadline all these lah so but then I still want to hold onto a glimmer of hope that my first company which I interview for I mean which I uh went for the interview with the hardest


interview can give me a chance but two weeks passed, uh then uh I I didn't see any reply I even go and check with the the company the company's HR then I don't know ironically the company's HR say the uh the HR which handle this kind of internships are from bangkok then I'm like


quite strange lah then I I everyday I keep checking the the company website status it just it just didn't reflect anything so I still remember on that fateful day I cannot remember which day on that fateful day I decided that okay I will just accept my second choice right I just so I accepted my second choice, so after I accept my second choice I click on the system on my school system I click I settle it


in less than fifteen minutes I received an email from the first company stating myself that I have been uh awarded an internship with their company, so you can imagine my I was so devastated then I even try to went to the the school career office to ask for ask if I can withdraw but they say cannot if I withdraw I will be dropped out of the internship cycle so everything ya so actually I was quite sad lah so when I enter into my second company for internship I wasn't that enthusiastic


as compared to the first one right so like that so okay so uh so fast forward like four or five months into my internship with my second uh, with my second company so uh uh there was also another intern from uh he was from singapore poly so he he uh wanted to apply in uh scholarship with the company so he ask me do I want to apply or not so


then I was thinking okay why not right I mean I have quite a generally a good experience with the company I was thinking okay uh I didn't so called like foresee myself working in that company but I see it in I mean life is about trying right you don't you never give it a try you, never know so I I tried I applied afterward I tried and applied and I got


awarded a scholarship so and that and then it that covers my tuition that covers my tuition fees and allowance from the remaining of my my school term so to me that would be the biggest blessing in disguise because I went through the I during the whole internship experience and to the point I get awarded scholarship throughout I just have like ups and downs ups and downs


try to get to my my top company trying to get to my desired company then get get get uh get dejected too because the interview so tough then after that, then uh become so devastated because uh I I miss out on my on my top choice company just because it's not because I'm not capable enough but because I accepted the second choice company


ya I miss the fate by fifteen minutes ya but then, the blessing in disguise is that actually I award I got the scholarship from second company and which uh allows me to continue working in the company once I graduated out many people are like trying to look for jobs but then I've fully secure a job than right now I'm still with my my company so I can say I'm happy and contented lah so I would say is one of the biggest blessing in disguise lah


so what about you #yang wa# what's your what's your blessing in disguise, !wah! (hmm)


, okay okay can can can no problem then then okay that mean


let's talk about comfort food I think uh from my understanding of you you uh you are quite selective on the food that you want so probably you refuse to answer that question right what is your comfort food that you can always rely on to cheer you up,


is it is it just normal any normal fried rice, !wah! then that's special I mean I mean that I mean that's unique because uh I don't know if you go to #chai pen dian# you ask for fried rice I do think that's your comfort food,


you want to make a guess yes my comfort food is <mandarin>菜饭:cai fan</mandarin> no wait, no wait wait okay let me think wait wait leh I want to explain my comfort food <mandarin>菜饭:cai fan</mandarin> right right I don't know I just feel that I just feel that uh <mandarin>菜饭:cai fan</mandarin> is underrated right why why like <mandarin>菜饭:cai fan</mandarin> you can choose whatever things that you want to eat I don't know lah I don't know some people commend that the food are like very cold or what but eat it is warm lah it warms my heart it warms the cockles of


my heart to eat it so , ya so no uh, okay never mind never mind never mind no this this uh this no this is about me this is not about you I know you don't like <mandarin>菜饭:cai fan</mandarin> but anyway to me like


from young I've always liked to eat <mandarin>菜饭:cai fan</mandarin> lor like when my my mum ask me what I want to eat downstairs or hawker centres I will say ya I want <mandarin>菜饭:cai fan</mandarin> because I want then I will like say oh I want this this this I want one veg one meat one egg or something because I like to have the variety like compared to eating like #char siu# rice okay lah #char siu# unless the #char siu# is exceptionally nice


but #char siu# is just #char siu# you wouldn't you wouldn't be able to eat some veggie or something lah, so and like, uh, yeah so and then I would say that in in when I was studying in uni when I study secondary school I think <mandarin>菜饭:cai fan</mandarin> is like a a a choice which is like just come to me lah I mean I wouldn't say I eat it five days


uh five days a week lah I mean uh really will be very Sian lah but like example on on on certain on on certain times of day when you don't know what to eat just go for <mandarin>菜饭:cai fan</mandarin> it's just default choice just easy choice if you eat already you will feel it you were comforted you haven't eat what something that you want so I will say


it's a comfort food that I want lah, but but that being said right I wouldn't say uh uh I wouldn't say uh that <mandarin>菜饭:cai fan</mandarin> is like uh , uh are the most most comfort food lah I mean the comfort food for me also like is is similar to yours lah is like my family home cook food so like example well when I was in army for a period of time I didn't eat right my uh parents home cook food then when I go back and eat it !wah! I feel a sense of warmth in


imaginary imaginary warmth, mah but so I say uh I say to most people our own comfort food will definitely be home cook food lah so that that that that is for me also so ya okay let's let's let's let's move on so, okay can can ya let you choose come go ahead uh


never mind never mind you go go to four first never mind you go to four if I got nothing to say I will just move on ya, okay can go, oh number twelve ah okay (hmm) okay


it's a what in a what sorry I didn't catch that okay okay, !wow! !wow! okay good


use your most unique compliment I don't know I don't really receive compliments or I don't really receive compliments in a sense that, like I think because I'm a guy I think you don't really receive compliments that much lah so and and for me personally I if somebody give me a compliment I tend to brush it off


because not is not because I'm rude is not because I'm rude or I want to be or like I mean arrogant right just for me just like probably I'm uh excessively excessively humble I'll just like okay the person give me a compliment just out of polite I mean just something, polite or something lah I wouldn't so called take it to mind or like take it and be !wah! very happy of or gratitude or like be very grateful to the person or remember the compliment so I really cannot think of any unique complement that I have ever received lah


(hmm) then maybe I link it up with maybe question six quick about like describe a time that you got appreciated for your hard work ya right so uh I remember that when uh last year when I left my first department so uh uh where I I went into I went into my I went into my big boss' room I go and thank her for her


time for guidance for patience with me lah me even though I made a lot of mistakes right at the time my, uh another senior manager also passing by then he also enter the room then both of them actually shared give the same compliments to me and said said like they see my effort they see my uh uh they see my firmness in handling certain issues they see my quick wittiness and like I mean like that that that like I don't know I feel like


uh I feel so appreciated at that point of time lah I mean I mean like my my my big boss even gave me a watch uh to thank me for my uh thank me for my contributions from uh past two year uh two or three years, so uh even though the past two or three two to three years with the department I would say is is nothing short of like being easy it's definitely quite tough


given that it's it's uh I I put in it a lot of commitment in terms of like time uh I also like sacrifice of my personal time with my family and my loved ones so when I receive that I feel that !wah! all my hard work had really been paid off lah and being recognised I mean I do all so much right is not trying to


I mean like when I don't know when when you just show your company yes maybe you are trying to do it because maybe you want to impress or show, but when you one or two year down the road right is is is not about like you try to show to other people you are capable I think it's also about the the responsibility for me responsibility about the job right it's not because somebody chase you then you need to get it done it's because you want to get it done you want to show that it can be completed right and if you cannot get it done


you want to know why you want to how you want to think of how how you really want to know how to get it done how why you get uh uh why you need to get it done soon and, how to resolve situation I think that that is the part that uh during the whole, the remaining of my project I was trying to to achieve far so it's not about like getting the recognition or like know like oh like you how to impress the boss I I'm I'm definitely not I definitely not into it lah I mean there's so much I don't know how you can sustain this kind of I mean like you definitely you have some colleagues which probably will go down that line but I definitely not that type of person


I just really is out of my internal lah I really want to go and get it done I really want to do it so that's why like that's one of the reason sometimes I go work on weekends you know one right like I work on weekends I because I know that, I can go I only have this limited of time to do I need to go and rush it to it so then when my bosses all my bosses all give me the compliments I I admit that I just feel that all the efforts I put in is worth it lah at at least people recognise my efforts and not because uh like uh


not because I'm leaving then they say they say that oh I'm very good very good you know so so I think that was like one of the maybe not not unique compliment but I would say one of the more more memorable complement and that and that that was the time where I feel appreciated for appreciated for my hard work


yup okay so okay come uh no need lah because I think we only left two minutes plus probably let's choose another thing another question, yup oh no okay can, I agree agree totally


okay okay that's that's cool that's cool, I see ya, okay what what do I love most about myself I would say I'm quite a consistent person right uh I do I think uh in terms of values in terms of what I do like probably I'm a I become a better version but I'm still fundamentally the same let me quoting example like


uh well I was in when I was studying I'm a very thrifty person right moving on to the working uh working world right uh when I've a I uh I earn uh I didn't I mean I earn a higher salary I am able to so called uh purchase more items I sometimes when I purchase item


I I think I'm in the position that uh I probably more privileged than others in that I don't need to have tough second guess I'm I'm able to afford comfortably, but then the value in me is that I am I always very thrifty I always like in my mind it just got to me do do I need the item if I don't need the item then ya I why do I need to buy so I think that's a value that for me it does for me for for that example is that I want to say is that my values are all very consistent


if like I'm an honest person I'm always an honest person if I'm a very truthful person I'm always a truthful person if I'm a good person who is very aggressive or very forthcoming with the person in terms of work I'm I'm always like that, so I think that that's something I love about myself lah people wouldn't keep saying that I am like a Prata you know know I just flip to situation because I'm always that consistent you know so I don't know if that's good or that's bad lah I'll treat it as a as a positive trait for myself


and ya so I I will treasure that trait of myself lah I hope that uh in the years to come I still continue to be that that consistent lah I hope that, although life will not uh I don't know, make me into a different person , so yup maybe we can end all this ya


(ppl), so yup


financial related topic


okay sure so personally I have like a savings account then I also put some money in like an endowment plan but I don't do like investments lah because to me they they are quite risky


so endowment plan to me is like a safe way too, is it is a safe way to accumulate a bit of wealths without much risk lah is it to me is smarter than a personal savings plan but safer than investment ya I guess how about you


you say you buy bonds and shares is it so what's the difference


I think I, I think like I feel that I am at the stage where you know I need to save for big ticket items like a house so at this point I don't feel comfortable I know like they say young you can take more risk lah but I don't feel comfortable with like high risk products so with me like I mean


I'm quite lucky right to be in a relationship where both people are earning so I'm like oh if one party is putting money into like higher risk products the other to to accumulate wealths right the other party can also like, you know be more conservative with the risk that they're taking like take lower risk


have lower risk portfolios such that if anything happens, then at least we still have a stable income we still have like a a good amount that we had we we can fall back on lah and I think COVID is quite a good case in point I mean it's a very timely example right like now a lot of investments are not doing as well


and I know people who have lost quite a bit of money to investments during COVID it now and like I think it's a very good example of how like if you have one party who does not invest but like uses like very , safe and conventional even though is lower risk returns but at least you are still covered together as a couple you see


so I thought like uh that to me that's like a dynamic that is quite, you you you can gain during good times and like even during bad times you'll have a safety net lah, that's how I feel but I mean


ya I I am generally quite a low risk person because like since I think eighteen I already started to, to have endowment plans and endowment plans usually with reputable banks in singapore so like DBS lah basically or like AIA great eastern you know like all these are companies that


have uh are quite reputable lah so I feel that even if something happens because usually endowment plans are minimum five to ten years right so if something happens in five to ten years I still feel like these companies are, more assuring than other companies or other banks


ya so to me if another bank an overseas bank offers me five percent versus DBS offering me like three percent for a twenty year plan I think I still will actually go for DBS and put only a bit and put less money in the higher return


bank lah ya that's me lah


ya so I have but, , actually I I prefer to do lump sum because like , to me it's like never chew off more than you can swallow so like if I can afford it this year this lump sum this year you know next year I'll only accumulate more money versus like every year or every month I have to commit don't know how many percent and I really don't know what will happen so to me if if I put a lump sum right I just imagine that money is gone


and then when it comes back to me five years later I'm like !wah! windfall you know that kind of thing ya so, ya I I rather as in that is, how I I manage my money lah cause I'm a very lazy person I don't like to think about like oh every month I have to do this every year I have to do this maybe it's just like take all my money in one short and then just leave me alone until the the plan ends and also like to me if you put lump sum right you can also start earning the higher interest earlier


versus like oh your first year you only earn ten K of the interest for ten K then like second year then you can earn the interest of twenty K third year then you can earn from thirty K ya so to me preferably is a lump sum lah unless, the plan really justifies me to really requires me to do uh like every year investment or every month investment and the the interest rate to me is very safe is very good lah it's worth it lah then I will consider lor


ya


okay


ya, okay as I mentioned I'm a very lazy person , so my preference is we have one credit card and I've been like living with one credit card for the longest time and then recently because DBS multiplier they they made the terms less preferable so I actually move some money to OCBC so it's only recently that I got an OCBC credit card


but I still prefer to use one credit card and like monitor one bank account than monitor both unless the the, the cashback the immediate cashback right is really a lot more significant in the OCBC account if not I still prefer to just like stick to one


to manage my money lah and secondly is also because I'm not a huge spender I mean, okay I don't know what is your definition of a big spender compared to a lot of my friends you know I don't buy branded stuff I don't really I eat out maybe like each time is like max thirty each dollars max but usually is like under ten so I am not a huge spender either so it's not the kind that like oh you know cash


on my credit card on my credit card, ya ya ya that's why I don't know what's your so like,


okay on the lower on a lower uh on a month I spend less maybe like five hundred on a month I spent more right maybe okay let's it exclude christmas oh sorry, excluding christmas excluding like uh chinese new year cause those are festive seasons right like on on a higher month it'll be around eight hundred dollars


so five to eight hundred dollars on normal month then on like festive seasons it really depends but I don't really have many friends , so ya maybe the highest I've ever ever spent in a month is thousand, one ya but like I mean relative everything is


relative lah maybe you are spending like three hundred dollars a month on average that one I don't know lah, ya so but because I don't spend like a huge amount every month so even if I accumulate all the cash backs all the all the amount I spend I don't get a lot in return


so if like whether it's like two percent or two point five percent cashback honestly it doesn't make a lot of difference to me in absolute terms because I don't spend that much compared to like my friends who can spend like three thousand dollars on a bag, ya how about you


but to answer like one of the questions right which type of credit cards do you think people should be using you I think it depends as in I understand that you prefer a cashback because like miles you don't believe in business uh class and all these things lah but I do feel like


like you know points and miles they have their value depending on other on your lifestyle lah, ya is


, ya


ya, ya


ya of course, ,


okay, how many credit cards do you have, how do you monitor your spending on all four


don't be a lazy person , times up


hi, part three negative experiences, okay so maybe I'll start this time ya so anyway maybe we can talk about like what


a phobia, ya so I think that's number seven, so maybe I'll start like uh phobias I okay on more physical note as it uh something that I'm afraid of physical I was very weird I have a frog phobia I don't know if that's like there's a scientific term to that


but it was quite bad like when I was younger I see a frog and I will cry, oh I I cannot even eat eh sorry can you put your mic a bit further, ya like when I see a frog I'll cry or like I cannot even eat #tian ji# I cannot even eat like frog porridge you know the kind of thing cause I'm so damn afraid of frogs and now and and when I was younger I remember there was once the


you know like when you go primary school, then we have to wake up super early uh like six AM that kind to to leave to go to school so like when I bathe in the morning the water is very cold and we have to on the hot water heater and the heater was spoilt so I have to go downstairs to like use the public shower to shower and I remember there was a frog there


you know one of the thing where you on the water so there was a frog there and I didn't realise so only like halfway when that was soap on my body then you don't like fully fully naked with soap on my body I realised there was a frog there


then I just ran out of the cubicle luckily there was no one at the toilet I ran out of the cubicle I just like dried myself from the shampoo and I came home and I just use cold shower to shower and I have how did I overcome it frankly I have not overcome it but as in now I can look at Tian I can look at frog porridge and not freak out


but I still cannot like deal with live frogs so ya, then on a more like on a more like philosophical note maybe like I have a phobia of being mediocre or like uh of ya a phobia of being mediocre like no matter how hard I try I just cannot succeed you know


ya and to me that's I know I know life is more than just like what you succeed uh what you've achieved in life but I'm just very afraid of failure lah ya, or being mediocre not afraid of failure sorry being afraid of being mediocre ya okay how about you


(mmhmm)


number thirteen how about number thirteen


ya give me ten seconds to close my door sorry ya I'm back


no lah


uh I don't have like okay I'll keep my answer short okay like I think , I have, family all around the world my family are not in singapore except for my parents my family's not in singapore I worry that because travel is affected that I may not be able to go and visit them so easily in the future I worry that


I I worry that COVID has brought out the worst in a lot of us that like even though we seem to be kinder to our own people now we are actually a lot more hostile to people who are not like us to people who are


the outsiders right and I worry that COVID has because it has brought out the worst of us it has actually pushed us back years in terms of how we like progress to be a more inclusive and more, diverse society or a more diverse world lah so that those are my greatest worries because I guess like I also admit that


the truth is that in singapore if you have decent education it's not difficult it's not too difficult for you to find a job so I I have to first admit that, I am in a privileged position where I'm not I don't have the bread and butter worries lah I worry that I may not be able to earn as much in the future or like even in maybe tomorrow I may not be able to earn as much as I'm earning today


but I still feel like secure enough to be able to like afford my meals lah so I will say that my worries are a lot, more emotional that in uh I I guess that's a silver lining also lah, ya mention what


I mean, no I mean like I know interactions are going to change this is a fact but that does not worry or cost me anxiety you know like things will change lah ya but


okay, like like let's choose two more questions okay uh you can choose one first, !huh! err I chose two but (hmm) recall a scene


maybe I can describe an event that made me very angry, okay I'm not going to I'm going to redact all the names and organisation names and everything okay


so okay when I was a student I was supposed to, help with a certain event in my uh school, and I'll when helping with this event we were actually like a few people in my school we were hired to help with this event so we were supposed to be paid by the hour


and I was hired to be the coordinator between the school people that uh err the the people that were hired in the school, due to some issues right like on the day itself uh on the event day itself we could do everything but


deliver the final product the final product eventually was delivered like we were we were supposed to deliver it like maybe at twelve but we could only deliver it at two PM that kind of thing, and like those product so it was supposed to be every two hours we deliver something and the delivery were of each was like delayed lah cause like of some technical issues and the school someone in the school who were supposed to be like paying us was very


I don't know why he was very hard up about it it's not even his money because ultimately he did receive the deliverables but as a result he didn't want to pay us at all and as the person coordinating between the people that were hired and


that guy who didn't want to pay us I guess I was just very indignant and very unhappy and felt it was very unjust cause we did put in the hours we were students we did put in the hours we did ultimately deliver, but then he said okay never mind I didn't hear anything from him about it again and then on payment day we we didn't hear anything okay and then on payment day


we found out that the pay was thirty percent or forty percent of what was agreed upon earlier as in he didn't even tell us at all and then just cut our pay so I was very unhappy and obviously the people who were hired were very unhappy and we went to inform the school lah


lah, like !eww! we went to ask them okay I the first thing I did was ask him why like that is this sum like true is there some error he say no you just didn't deliver so I think paying you thirty or forty percent is very good already, so we brought it up to the school because I mean like okay but you should have told us earlier either way and you ya


so it was a lot of to and fro and we were just very very unhappy because he just like throughout the whole way, just give us very demeaning looks you know like even during it reached a point where like it was him me some of the students who were hired and like some other people higher people than him who was employed by who were actually ya in charge of the thing


and then I just told them the whole thing and then they were very appalled that he didn't even tell us lah and but they also understood his point of view but he was just quiet throughout the whole thing the whole session he just looked at us with very angry eyes when it's not even his money


so ya that you just made me very frustrated in the end like we did get the money because we did deliver maybe it was just like one hour or two hours late that it was not really our fault but in his eyes it was just our fault so ya that just made me very very angry and I hope never to see this person again ya


how about you, ya I was so upset ya I did


ya but anyway how about you, how about you how about you


(mm)


part two positive experiences, okay so maybe this time I'll start first so like uh what was my best birthday present and why this is my best birthday present


is a soft toy dog called dasher so it's actually, not like my it wasn't given to me on my birthday it was given to me on father's day because it was it was just something I was trying to find something for my dad at that night I found something I wanted you see so like this was my super early birthday present


is so one of my best birthday presents cause like I've always wanted a pet dog, but I I have not been allowed to have one because like the house is not suitable to keep a dog and but, so I guess this is like my pet dog instead


ya and why because I guess I had him since two thousand and three so it has been seventeen good years with him then like uh basically went through puberty with him, and I had a you know when growing up you are like very prone to hormonal imbalance and like being very moody and everything but like I guess he's just been my friend throughout lah


ya emotional support, ya how about you what's your best birthday present and why,


(hmm)


oh man,


, fifteen minutes


I think aside from being a very lazy person I'm generally quite optimistic and happy person so I've never I've I can't really, recall a time when I've been like !wah! so down and then like, !wah! turns out to be so great I've never really had that kind of experience cause like most of my days are like told me blessings lah so ya I wouldn't be able just like how you cannot answer the first one I don't think I can answer the second one


fried rice fried rice paradise okay ya, uh my mum's fried rice yeah


no no no !eww! so no no how about you, next question what did you love no


why okay, I told you right I saw like worms in a <mandarin>菜饭:cai fan</mandarin> stall before in the dish , yeah


I think in the interests of time shall we pick three more questions, uh I choose four and unique compliment four and twelve how about you choose or more


okay, no let's do twelve first cause I have the answer on the top of my mind so the oddest complement I've ever received right so you know like yeah you know when you are a happy person aspect and being a girl like people always say you are bimbo


right so the most unique complement I've ever gotten was actually in a class then like it was a class in a class in a class so like one of my uh classmates actually called me a super intelligent bimbo


ya and I was like oh thanks I can't decide if that means that I have like have, rich IQ or like am I just like like you know being super intelligent, for a bimbo or is it like being uh like you're actually a smart person but at the same time you are like full of shit lah you know or like so full of frivolous


antics lah yeah so I don't know I I feel like being a bimbo also like or or like in the eyes of others being a bimbo that also means that like people see me as a generally happy person which I am not against that and then like the fact that they didn't see I am a dumb bimbo you know


so ya how about you what's your most unique compliment ever


never complimenting your work or something you've done


, (mmhmm) ya, last question what do you love most about yourself we do it quick lah okay we only got two minutes


so okay maybe I'll say two things one thing is like I feel that I generally tend to see the better side of people I think that's something you will agree with, ya ya even though you know you are a skeptic of people but I tend to be like eh why you like that you know like or you should you should like give them some


some like benefit of the doubt and all and another thing that I wouldn't say I love most about myself but I think it's a very useful tip in life is like just to be uh predisposed to happiness, I try to try to cruise ya try to cruise through life with a happy


mood lah ya how about you


yup stop the recording on the phone


Hi err


(mmhmm), yeah, okay uh do you want to go first


(mmhmm)


okay err for myself right since young my mum has bought a insurance for me and I think that kind of covers the basic life insurance


like err hospital personal accident critical illness and some other I think endowment plans probably yeah where you I think they call it term plans where you pay a certain amount for a fixed period


to cover whatever supposed to cover and once the term is over it stops it terminates whereas there is also some other kinds where, how to say there is cash value inside so upon maturity you get back the cash value and for those it can be


either a health related insurance or life savings kind of insurance so personally like two or three years ago I, started to look into all these financial topics and I realize that you know my life insurance is my life and health insurance is more or less settled so that's when I went into like personal savings so I got myself a


a savings plan into the the kind where you pay a yearly premium for, like twenty five years and, it accumulates ah so I get to cash out at the end of twenty five years but mine is a kind of a flexible kind so it allows me to withdraw


after the third year should I ever need, , the funds yeah, (mmhmm)


ya I, think so yeah it's probably related to the, percentage cause with a lesser amount, the interest generated will be lesser whereas as the capital increases


err the compounded interest will, add more value ya,


ya that's quite true, I agree on all of that lah yeah and especially, because this is what I learn from my financial agent lah so, when we buy insurance we are kind of


what do you call it, our parents cover for us for the first maybe twenty years of our life so when we actually stepped in this we are probably a quarter in our life already, so it's like think of like a pie shaped so we start at maybe say


the a quarter mark and will be covering, for our entire work life our retirement and, until our death and we will also actually be covering the first quarter of our children so in a sense everyone gets to cover one entire circle


like one round, so that's like the full round of what, a typical insurance should cover I guess yeah and, ya but our whole life plus our children's maybe first quarter of their life or something


ya then I think that , , like the there are many kinds of insurance so


there are what you call it the financial agents actually cater to, individual needs based on how risk adverse be actually ah because if I'm not wrong there should be a guaranteed return which is probably or capital but the gains is not really guaranteed do they call it guaranteed but it still depends on the economic


and how the company's doing if they actually, ya, so if they actually managed to stayed still be there by the end of your insurance then probably fulfill that three percent they promised you but if they


don't then it it will depends on whether the insurance get taken over by another insurance company for example and whether will they follow the previous err policy or will they have to


renew the policy based on their capabilities and financial capabilities ya


ya that's true


yeah I agree with that, like, for for myself my financial consultant is mainly either my friends or, the the main one which I have is err the one which I found myself was my my friend's sister, ya so I feel that if the consultant is someone whom you know either directly or


even indirectly its like through second degree or what it's better than over the counter because I guess, it it really helps because, people who are over counter may not, care about your personal


they they do not factor in your personal life that much as compared to those whom you know who may actually want to find out truly about how well you are doing first before they recommend something


ya, I understand how that feels


true , since we are both working right what do you think are insurance that is more catered to it's more applicable for people like us in this stage of life


okay


ya talking about that actually my insurance agent recently spoke to me I'm not sure if it was because no I don't think it was because of COVID but there was some changes to uh


how if I'm, not wrong critical illness is being defined like past maybe august or something this year the critical illness was changed meaning for people who apply for critical illness past august I think the things that you encompass will change it will be lesser


like for certain illness it must be of certain criteria in order for it to be able to be claim and and that is usually the criteria is usually, harder to achieve so it's actually advisable to get the critical illness coverage before


third august because that will, be putting you under the, previous category which covers more stuff and more holistically, true


then what do you, I mean I heard from you that you don't really know about all your insurance because your mum use to


some of it right so what do you think is , good amount to spend on insurance let's say base of a monthly, uh salary like how many percentage of it


uh, K I personally think that thirty to forty yeah I personally think that thirty to forty percent might be a little too harsh I mean okay maybe for people who just started out who who don't have liabilities yet


they may be able to save in their bank or somewhere not not in the insurance but save up to twenty to forty percent but when we say saving into insurance thirty to forty percent seems a lot because usually that amount of money is


some is locked based on term some isn't locked but you wouldn't want to take out the money because it will affect the earnings so from what I've heard from other people and and doing some basic research by myself, I think what's manageable in terms of lifelong like let's say ten years down the road


you already have kids family lot of bills to pay I think a sustainable amount would be maybe between ten to twenty percent because you still have to manage CPF there is your daily bills and everything if you spend thirty to forty percent of insurance I don't think can survive ya