so the pain of grief can disrupt my physical health making uh it difficult to sleep or eat or even think straight, it actually took me a couple of months to get over it, so what I did is uh I share this to my friends and get comforted and I become active also in the things I work on in school and hanging out with new friends to help me move forward


I think it wasn't easy for a teenager who's growing up and who need a role uh role model, ya so how about mandy


right


right right right so other than a loss is how about uh is there there are any other things that can make you stressed out


same here


I think I think it's same uh when I couldn't manage the work load that comes especially with the same deadline I find myself frustrated easily and I became impatient to my loved one so uh the next thing that made me stress is uh


uh is when my financial goal is not met it can also affect my mood at times, right so


ya correct correct, so how about I think we we have never really uh share about our most uh traumatic incident that ever experienced in our life ya


definitely I think uh it was also uh, I think it was about uh let me think about maybe five years ago ya when I like when I was uh in a holiday with a friend in #San Francisco#


uh we were actually enjoying our lunch in McDonald and then a young chap walk in to approach everyone asking for a dollar, so when he saw us from a distance he pointed and shouted at us, uh uh because we are obviously a foreigner and he will say you asian girls and then he walked towards us and harassed my friend


so but then uh there was a kind man who dressed in business suit sitting opposite us uh opposite at us he he came to uh help and and they started to argue uh I mean the the the kind man and the young chap started to argue


ya eventually the kind man was in fit of anger and he dash out of the restaurant, and the harasser walked away as well so it was indeed a shocking incident I ever experienced, right


ya it's ya ya my ya my first time visiting there ya how about you uh what kind of traumatic incident you have


right right


right, I think if , yes yes I think it's uh wasn't easy because I know that uh you are someone who make sure that


you have a backup lah and you and you and you have to leave the job so I think it was pretty traumatic for you not your usual uh things that you will probably do ya right, so so is there like a uh how about talking about the biggest thing that can hold you back from your goal is there something


ya for me I, ya I can share first I think uh, something that uh procrastination , is the biggest thing that hold me back from my goal so this procrastination has like uh


put I have like putting things off till next week next month next year or and often forever ya I am not quite sure what I'm what I uh waiting for, uh but when when whatever it is happen


I will be ready to begin uh, uh pursue pursuing my goal but this day never comes my dreams stays as nothing more than a dream so putting things off can only hold me back so so that's the my biggest uh struggle personal struggle


how about you do you have similar or something different


ya, right


true


that's good


uh ya I think I heard about it I can I can also share, ya, ya sure uh, okay I for me I would think that uh the major uh issue of who I think I am is uh acceptance so uh so when I don't let people feel accepted I risk them doing the unacceptable


I remember a time when I was doing a project in school there's a lecturer who criticise me in front of everyone it was ya it was a great humiliation and though I struggled to go to school I still attend and it was through perseverance my study improved and the lecturer even praise me for that


but my classmate and I make a complaint to the school and he got demoted so that moment I felt the satisfied feeling when he ends into misfortune, ya right how about yours ya sad and it's a mixed feeling so


how about you is there any situation that you are, you got into


right


right right okay, then have you ever had a time when things turn out not meeting your expectations


yeah sure, well I think that uh for me uh failure is more than just not meeting it's not just uh


it's uh more than just not meeting a goal it's about not meeting a goal with the resources I am given, I uh ended up taking more time or money than I was originally allocated, that feels like a failure to me


I because uh I I uh extended my education programme so right, yes ya so it doesn't so so it it turns out not to meet my expectation ya ya more time and money is uh


uh I spend more ya than I was uh originally allocated so uh it's a bad experience but I have move on ya how about you


okay


right oh dear


right right, I think when it comes to services like that maybe we try not to we try to uh pay by by parts to make sure that they do their job first properly right


[orh] I see, right right right, but is do they have good reviews or or you haven't look into it that time


[orh] I see, okay, right thanks for sharing your experience okay


then uh I wonder if you uh ever felt trapped or helpless is there a moment like that


[orh] okay right, okay


stop (ppl)


part two positive experience, hi I just like to ask uh what's your favourite what's your best birthday present and why


!wow!


oh actually I I don't mind travel too if I have a lot of money ya, but then so far uh my my best birthday gift is uh actually a handmade shawl that is uh from one of my best friend, I felt very loved and personal and special so it always reminds me that it's a blessing


and because I value friendship a lot so usually uh the best gift is actually uh given uh handmade by people handmade stuff, ya ya eh ya it ya it's true ya so


right thank you, !wow! this is uh something uh I do encounter


I think it was quite some time ago (ppc) I think one of the biggest blessing in disguise is actually after my family dispute, uh after quarreling, then uh, uh after saying out my unspoken feeling


then uh my family member changed their attitude slightly so after this incident I felt that it's bring good awareness for them of my uh the feelings that is not spoken from the past the the past or hurts et cetera so


so uh after quarreling the understanding for one another is so much better leaving no gap for misunderstanding, but so it was uh it's it was really a blessing in disguise and I uh I think I appreciate that how about you


that's very nice to hear, so I wonder uh when you go through difficult times do you look for any comfort food, uh that it will that can always uh


cheer you up without fail, oh !wow!


uh yeah before I answer I'm curious uh where did where did you first try your first fresh oyster, it must be a really taste really good


is it like overseas or Singapore, [orh] I see, probably in a hotel [orh] I see I see okay alright uh I think for me uh whenever I feel tense or frustrated


I will surely head straight to uh for a big bowl of chinese cuisine which is the Sichuan Mala at chinatown ya I don't mind going alone or but of course it will be good if I get my friend along, but when I'm feel so down I will just go down there and enjoy a big filling meal ya because the it always give me a satisfying feeling and the fragrance uh help me to relax especially after


the spiciness I will I will perspire and and feel that the airway become more clear so that's the feeling of uh, (ppc) able to breathe better , ya


ya, ya, [orh] I will I will, right right I will I will, [orh] I will go for the yes I will go for the spiciest one even though I can't take it uh but I will feel the the accomplishment that I'm able to challenge myself something that is uh I can


I can uh excel in ya right, uh ya ya it's, ya correct I I think I usually like uh fried


uh oily stuff and strong flavor like, okay uh and please uh bring along uh your tissue paper and uh a litre of water one litre of water ya


uh ya probably need ya but you you go for the spiciest if you think that you uh don't love yourself enough , right, but come to talk about that uh just wondering K what's the thing that you love about yourself the most is there something


well I'm happy to okay I'm actually uh uh happy that you are confident uh to, to say that that you love yourself lah you appreciate yourself I think not many people will uh usually people will just uh shy away about it


ya, so for me I uh I think I appreciate and feel very grateful of my perseverance uh attitude and uh always being hopeful whenever things doesn't go my way so for me I will always move ahead to find ways and by all means so I see myself uh as a willing


to try and explore anything not being uh inflexible, right


ya true, ya true [orh] thank you ya I think because uh, I think because there's uh probably uh someone in my life that I can look up to that's why it keeps me that's why I have those uh value-added attribute ya I think for me is uh I always remember I have to thank lah I have to thank my primary school friend whom I look up to


uh because I know that I can be real in front of her and she knows all my struggles and inner thoughts that can be accepted by her then uh she will give me hundred percent truth with no sugar coating that I need to hear


so because of that uh she I see her persevering in me uh never give up on me so I think that's how I become I I pick up her perseverance ya from how about yourself yeah is there anyone that you will look for


right


that's fine lah, I'm happy that you have a role model which is your own own mum


uh I believe so ya and I ya I remember uh I feel, great when I can solve a problem eventually, I think there was a time when my colleague who is uh doing procurement he made a mistake, and he even deny it so I investigated and uh managed to collect the information and show it to him


but he continued to deny it so I decided to take matters into own hands and correct the error, and I think in my own own opinion it is a good effort and attitude as I just want to get things uh to be resolved quickly rather than waiting for the rightful person to solve it


and ultimately my boss acknowledge my hard work, right, yourself do you do you think your boss appreciate your hard work


right I'm happy to hear that, so I I'm sure that uh uh uh this is the the kind of hard work the the the amount of time you spend in is definitely not the a good it's not a really a happy day for you lah so how what would you think uh would be a perfect day


other than uh spending time in the office ya uh feeling the appreciation but what what kind of perfect day that you actually desire


ya, me too


I think we have the same uh more or less the same uh interest lah I think we love to see we love to be near the seaside ya so, ya hello , ya so I think ya I think I uh but for me uh I will


uh elaborate more the perfect day would be waking up I like I think uh I will want to see myself waking up early in the morning, uh to to start jogging along the seaside with friends uh with you and then uh enjoy a fabulous breakfast together and then uh


and then followed by reading and reading on books or google any information that can add value to my knowledge, it can be any uh anything uh general knowledge investment, E-commerce health tips, or hands-on home repair skill anything like that and then uh I like to end the evening


by having a good meal with friends or or probably cook a nice dish at home, and then uh end and, then probably one of the best uh is uh end the end the day with a lighthearted show or drama and I love to watch korean drama


ya please ask me along thank you ya, so is there a moment when things turned out better than expected, for you uh ya sure


I think uh I recall that after I graduated from polytechnic I dreamt ya sorry I dream to continue my education to university far from uh Singapore at that time I thought of uh, Adelaide Australia and my classmate also ask me to go along with her so uh so I decide to seek my parents uh for permission


but they do not allow me to study abroad so things doesn't turn out, it was planned ya so however after considering again and again, uh I I finally put my decision to start looking for a job


and then later on I study part-time so I feel uh grateful, I got to meet wonderful colleagues who are now become my good friends until now, and I also make more other great friends from the long distance programme whom I still keep in touch with


so friendship again is a very uh valuable thing to me so I would say that it is something better than expected, ya, how about you


right, right right so other than the your boss uh compliment for your boss or colleagues right is there other nicest thing that someone ever told you


!wow! I think you must be the nicest person, to receive all the nicest comment so for me


I think for me uh oh I also I also think I'm a nice person ya, I remember there was someone, saying this to me uh now that you I have gotten to know you I understand why


I understand why all my all your friends like you so much so that's a very nice compliment , ya


uh probably you say something lah


(mm) ya


part one uh financial related topic


sure, oh okay uh I


[orh] sure go ahead


okay for myself if back to five years ago I would rather consult professional advice who recommends me an investment products such as security fund high risk fund or shares


ya so okay uh okay I would like to know is uh, should you DIY or get financial advisor to help you to plan your finance, ya [orh] okay


okay for me I okay uh for me I would prefer to, do initial state is to plan my cashflow, to know where, uh is there any excess money so if let's say I have I could buy some insurance products which I will


then get uh some financial advisor to help me to plan out or maybe uh uh come out with some uh products or or investment, items for me to to to look into


and also I also will do some uh investment on shares, uh by my own ya


oh okay, oh okay uh I, looking into my cashflow I have like


I, oh okay I have expenses in necessity food like foods products facial products all this which is, the the percentage of that is nine percent and then uh meals will be uh


occur about uh eleven percent then uh holiday because I I love to go holiday with family so I think that will be four percent then investment will be, around ten percent ya so this kind of allocation will help me to see that uh my spend expenditure is how how many percent that


uh uh compared to my income, then also uh there are some saving also, uh incurred also ya then uh ya so, this is how my cashflow would be look like how about yourself


[orh] okay


probably I I I think my , my planning need to be improved so probably you will will have to learn from you somehow rather ya, okay


uh well for me uh, myself I I'm a, I'm doing accounts so I think uh in this area which there are some freelancers job, uh freelance account job which I can probably uh can look into it and also


probably I will go for uh to increase my income I may have some buffer of uh money I can, uh uh play some shares, to uh to invest


and also or, the extra uh the excess money I can also like put in a bank to earn some little interest lah, so this I diversified my income uh into uh


different areas ya how about yourself


so well for, go ahead , ho ho okay I do felt the same way time is not enough


so ya that's good idea like uh E-commerce which I'm quite interested in it so probably I can ask you from some, advice on this, ya, have you go through this E-commerce course before


yes I do uh, I for me is I will set, my goal, and uh set and reach, my saving goals like uh I will specific, set a specific saving goal like example uh


because I I I love to go holiday go for vacations so I will have a, a a, goal for uh setting out this uh, how much money that I will spend on this and how much money I will go for retirement and then a certain amount that will go to uh emergency fund or housing upgrading items to be purchased so uh


and also I would set a saving timeline on on my saving goal, so uh having that benchmark better than none, though though there's a pressure but it it really help me to motivated in my setting my saving goal


so uh uh in in, setting out my goal is, uh by monthly or by yearly goal so uh, I will set it by monthly so uh every month how much I will spend how much I will save so yearly it's like a bit more uh uh more more


bigger goals for that lah so uh ya how about yourself


would you think that uh nowadays the bank interest are very low so, uh would you think that it's not worth it to deposit in the bank rather, uh probably uh, uh put, your money into somewhere else like probably in investment other other financial


uh products that you can purchase, oh okay


[orh] that is uh your property investment is in oversea or in local


okay that's interesting


uh I think recently I spend a lot on uh health product so, uh these are the areas that I recently I spend a lot on it, then uh other than that I think uh


I quite uh, thrifty so I think uh I was, I, I will save uh my saving are more than spending lah so far, so far so good ya


how about yourself , [orh] okay


I do agree yeah


ya sure sure that's good, any strategy okay


so uh come back to the same I I will not, I would more trusting in uh getting more professional advice uh, if I wanted to recommend my friends who are really into planning in their future so I will I will probably if I know someone a financial advisor who is


quite commendable so I I'll I will I will recommend them so uh ya to get them to get more professional advice rather than uh uh to do our our our own research lah so ya then ya


uh no not really uh I was been uh, also like uh, introduced by my friend that uh, we sometime will attend those like uh financial talk, which helped me to see and hear more things about


and then ya so uh ya I I I think uh it's best before we, uh we go into like planning our financial, uh it's good that we work out our budget


uh to know that uh how comfortable level, on our income our spending level is then we go into like source for a right provider as what you mention those like uh money mind uh or maybe some uh


investment course which we can go and attend and hear from some professional advice it it does help a lot, ya into this ya


I felt that it could be uh about, six month and more than six month ya, you will it it it can it can be sustain our so call our uh, unemployment uh stage ya


how about yourself any idea


it's the best ya reasonable uh, period that we can we can sustain ya


I would like to hear from you first , ya, how about yourself


ya I do agree ya I do agree like for me before marriage I think uh, financially I'm I'm, I don't think it is a struggle so uh I'm quite disciplined person so for myself I will set aside


uh probably uh, thirty or forty percent of my saving then after that I don't spend a lot on uh those like uh, like very branded stuff or whatever


uh things so only necessity kind of uh items products that I buy for family so uh then uh that is before marriage I think I can easily save up, quite a lot lah so uh probably after marriage uh there's a lot


to commit, like my family if I have children, uh my my expenditure will be increased so uh also I have to take care of both uh, both parents, both side of parents


so give them allowance this will be increased then also uh, probably , ya maybe some uh, uh like, uh utilities for the new house


(uh) this will be increased also so I think (uh) for saving wise it's not easy after marriage


negative experiences


ya #li huang# I'm I'm I'm stuck I, I'm wondering like have you gone through any loss in your life, if you have, probably you you could share your emotion at that point of time how do you deal with this uh loss ya


uh well for me, okay uh well for me is uh, there's I felt lost when uh okay


yes I do my mum passed on when I was very young as an so called a young age ah, so I was too young to experience the loss of my mum until I was a teenage so uh you know like uh teenagers like the plus they have the kind of uh rebellious and then uh like when emotional you have no one that uh


uh motherly kind of figure there to console you, getting advice, this kind of thing so uh uh but, from there uh, there's no one that I can go to which uh


ya somehow rather I felt when I felt emotional I have no one to turn to so uh, though though I have a sister or and my my father was there but I think uh we are very individual we are very uh uh individual so when comes to emotion we won't like share with one another so


these are the uh, uh things that I felt like uh, quite unfortunate lah then uh but but uh, while I'm uh, I'm I'm I'm, glad that uh I have made a


bunch of friends which is my church mate that uh during uh, when I go through like during the time when I go through emotion I can go to them I have a community that I can go to them and get comfort, so uh ya so


definitely whenever when I face emotion uh that is a moment, I longing and wish that my mother could be around and comfort me, uh ya but uh currently I felt very uh blessed to have a community


and to have a few good friends being there for me to, uh encourage me and advise me when I need help ya, so ya that is the moment I I felt lost ya in life


ya definitely it's my work , ya accounting job is not easy there's a lot of transaction especially I'm in uh F and B line so uh work is


every day is like stressing me, so and moreover now working from home is like uh, like uh there's a lot or accountable accountability there so uh


that will stress me out also so uh especially accounting work is like a monthly and yearly is the most busier time so it will ya it will stress me out lor, ya how about yourself


so there comes uh wealth uh financial planning need to be, so okay


ya have you ever encounter traumatic incident, yourself ah, recently or or in the past, [orh] okay


!wow!, that is in US, in America !wow! that's very dangerous, I'm not like you all very uh yours like uh


like oversea kind mine is in local but I think it's also, uh , to me it's like taken aback lah I never, I I couldn't imagine myself will do that but anyway it's it's


the moment when uh it's the, ya it's the moment that, uh it just happened last I think last year so uh


ya I in my uh in my previous company which I struggle in there and then uh and I always very prudent person so uh, if I resign I will resign with uh work


ya so but I it just happens that, uh I'm not happy and then uh I resign from my ex company and then uh, without finding a job that is the moment I felt like oh I couldn't believe myself will do that so


at the moment uh, actually no one know not even my family, and know that I resign or probably no work during that two months but I pretend as normal going to work because I don't want my family members to


worried about me especially like uh also, I I I have stressed out on them, uh at that moment lah because financially I, if continue without work for a few months maybe will be a problem to me in finance so so uh ya that is the traumatic incidents that I it happens to me lah I felt like uh luckily at that point of time I I able to uh work as a


freelance uh robotic kind of uh uh uh uh, uh teacher so it helps me to uh, like uh , give me some uh like earning income so uh uh it's not that


uh stressed out for me at that moment of time so uh ya then uh then two months later, uh I able to find a job to recover back, what I have lost in my finance


ya so I think uh that is the moment that I struggle, ya I felt that it's uh it's very special lah incident to me ya


ya ya, not it's not usual ya correct


things that hold me back ya how about yourself your your ah


ya, procrastinating is also one of my biggest struggles, so uh, I do feel the same like, what you have shared lah like uh when once I procrastinate there's a lot of things that


I miss out a lot of opportunity there, so uh it does it it really does me, disappointment a lot uh in, things lah so other beside procrastinating I felt also like time and finance instability are the factors also


will hold me back towards my goal in life, so uh ya if I keep on like having busy uh in my time uh no time for, a lot of like things that I want to do like probably I'm I'm a learner person so so uh time will one


is one of the factors that, uh will will, stop me to learn more things upskill my course taking more more uh upskill course for me ya, so how about uh


is there any like uh like okay there's a there's a, proverb saying like uh the child who is not embraced by the village will burn it down to feel the warmth have you heard about this proverb


probably we can share with me uh about this proverb what do you understand ya


okay !wow! that's very sad, [orh] okay, okay uh yes I do encounter like uh


a friends who's so called uh so called I felt is like very entitled, and she she even like enforce everyone to follow her way, uh but her way is, pretty unreasonable request lah so uh


ya then uh, then I was being affected by the the behaviour of her and like having a a lot of thoughts ah negative thoughts about, her and I couldn't really get rid out of this kind of incident happen with her so uh but


uh fortunately I met some uh good counselor and good advisor, that uh, help me to see that [orh] this is one of the, uh, behaviour that she she had uh which uh probably is related to her past so uh with this kind of change of perspective


uh where, it it does help me to, see that oh okay uh uh we have to be more lenient on this kind of uh people around lah so uh, it really helped me to change of my


perspective and mindset about her lah so uh ya


time that turned out not meeting my expectation , you elaborate more


you extended your education programme


myself ah that is time when things turn out not meeting my expectation I think uh, very minor thing lah it's just like ya, uh okay I I had


probably, probably this is one of the things that I, I I face lah like okay I I had a okay I had, renovated uh my, my my, one of my study room and


I because I used to, engage them to do my another cabinet job so uh, uh this carpenter actually uh do a very good one good job for for me and it turns out very uh well kept


uh well uh installation but for the second uh engagement for uh to to ask them, to uh fix my to install my study room, cabinet


uh I expect it will be the same, uh quality but, it doesn't it doesn't turn out what I expected, so quite disappointed quite disappointed and I spend that much of money and quite uh and the result come out is like uh uh not


it's quite disappointing lah it's not what I expected uh good lor ya


uh ya, ya probably ah but it's a small uh small renovation lah it but it it's not a big one so uh uh through installment uh, not possible ya we we we pay in full


ya during the time ya, uh when I first engaged them uh they had, actually definitely I I do a research lah so they have a good review on it on their workmanship but


uh but the second time uh probably is different, different worker, who install so maybe they don't have, uh uh no experience that's why it turned out not not satisfied ya so


anyway just uh it's a, ya it's a ya


helpless help trapped ah uh, ya definitely I think uh refer back what I have chat, traumatic incident I think that is helpless moment for me out of when I stay out of job I feel very uncertain I feel very uh like


probably there will be future financial problem for me it worries me a lot, when I really (uh) when I stay out of job so (uh) ya that kind of worries


part two positive experience


oh okay my best birthday present is I gave myself a holiday trip, yearly as my birthday present, because, I love travelling


if possible I would like to go around the world and travel, if I have that, uh if my financial is not a problem, ya how about yourself


it sounds like you're someone is treasure friendship and uh loyal friends to many, !wow! that's awesome, so what is your biggest blessing in disguise


!wow! okay well for me blessing in disguise uh I felt uh I, for myself, I think it's a really a blessing to me which uh when I start working as a uh accountant uh uh uh doing accounts


so I have no knowledge and experience when I, started to work as a accounts officer so uh it's a blessing that uh I was given a chance to handle full set of account so with no experience no knowledge and


I had this job so these definitely I felt that uh, not many have such uh opportunity in that lah, so uh ya it's a blessing to me ya


definitely my the food is


fresh oyster, ya that's my that is my uh comfort food because I love oyster I love, fresh oyster and every time if I have a chance I go for, buffet I will


go for those like who have uh provide fresh oyster, which included so I don't mind how uh how expensive it is I will go for it ya how about yourself how about yourself


where ah I can't I I almost forget


uh uh where did I, no no no definitely in in in Singapore definitely in Singapore ya not oversea, ya ya ya ya in a hotel


!wow! !wow!


okay so so, okay I I get to know that uh the Sichuan Mala right there's a grade of uh spiciness so you go for which grade, one to five


the the maximum the the most higher grade, is it oh !wow! okay


isn't it the food is a a little bit oily for for the Sichuan Mala, but you can take it but that that kind of oily stuff ah, [orh] okay, [orh] okay !wow! okay


next time I can follow you and and and eat the Sichuan Mala, ya, okay, do I need one litre of water


oh okay, [orh] K K


uh love about myself the most I, think I'm quite I I'm someone is very mindful, about my my my very mindful about myself, like having an, being mindful is like having an open mindset


like sometimes if I I will allowed myself to, uh learn more things, uh and, I could see myself like uh uh very curious having that kind of curious attitude attitude so like uh I will uh I will want to know more things


beyond that so this is something that uh, I quite impressed about myself lah, ya so how about yourself


that that is a very commendable uh uh good, uh attitude I think it really helps a lot of people who are very negative in life, so I think with you around it really helps them to


uh like uh give them encouragement ya, so keep up keep up the good work ya, like


!wow! okay, ya definitely I have someone that I really look out for uh though uh okay that's my mother, though uh she no uh she passed on uh many years ago uh


but she's someone that, I very uh was she's someone is very well respect by many, like I heard a lot of praises from my relative my father and even like uh


the close relative that I have, shared about her how kind she is how patient she is and gentle and graceful so some, someone that not only I'm looking up for but I also would like to imitate his good character


so uh that is one of the model, figure that I'm I'm I'm, I wanted to imitate, ya so ya, ya that's right


so uh like probably, you you you could uh describe a time when you, got appreciated by your hard work ever in your life before


!wow! that's, uh ya I ever I I could remember uh one incident in my ex company uh okay that is the the, moment that I have to present uh do some work presentation in front of all my colleagues


and, I'm someone is very shy and and and uh like , during that presentation it it really uh stress me out, and also like uh have no idea how to go about it but I I think there's some help from my boss give me some idea and then I script up and then I uh


when I do my presentation uh, , it really helped me to be more confident uh it bring out that kind of confident uh uh, while I'm presenting so uh but it uh I I thought


it doesn't work uh it doesn't turn out good but surprisingly it turn out, uh quite, uh well in a way so uh I felt like I I I get a lot of feedback good feedback from there so even uh


my boss also asked around that uh how is my presentation, rate on it lah so everyone uh give me a good uh a good comment uh, compliment about it so I think I felt very encouraged during the time


ya ya


okay uh think about perfect day I, I because in my in my work is very stressful and and uh very busy especially month end year end


of uh closing account so, so I think every day is very stressful for me bit I think perfect day for me is I wish I could go to I love sea I love I love ocean so I


I I hope I can have a a day off, just to stroll around the along the, coastal area admire the creation and listen with uh listen to my MPthree or music


uh walking uh uh walking strolling along the ocean that is my perfect day ya, how about yourself how about yourself


!wow! high five


that's good ya I I I wish I wish uh one day I, could like I I never, try this before but I wish one day I can try which is, uh I I can uh read a book, I mean to spend in in a coffee house


and read a book the whole day so I never done that I never do that before so I hope one day I can maybe we can do it together, ya okay


you want to share about yourself first


okay, myself I think I could relate what just now I have shared lah about my presentation so uh that's the moment which I felt very unprepared, so but it turns out, better than what expected that kind of moment is like fear uh fear the kind of fear that I have and


thinking that I'm not well prepared for it and, this kind of uh it was a factor that disrupted my confidence, like even to the point I almost want to give up but surprisingly that, uh I could under control my fear


and there turned out to be a good compliment so I felt like, very uh it's really unexpected moment for me ya


nicest thing ah, there's uh there are many lah, but uh uh, ya there are many but couldn't, ya all are very special to me, ya , uh


ya


oh okay, [orh], do I uh do I uh do I do I compliment you that, am I the one okay K I could think I could I can think of one


that I feel very encouraged and ya it's like when, uh okay I always felt that I'm not that good enough but uh a lot of people saying that uh I'm someone is very filial filial


ya so uh, but I felt like uh I I don't know why it's just me that I don't think that I am that good enough lah so there are more room for to improve in this area lor so ya


yup yes press already yes ready, part one financial related topics


mark maybe you start first yup


okay so uh for myself uh <P2>lucas</P2> right I I have have both credit and debit card uh the most commonly, uh credit card that I use is uh HSBC advance card uh and also the UOB one card so uh both of them are a cash rebate card lah so a cash reward card uh at about three point five percent rebate for the advance card and for UOB as well so


ya uh for debit card err I do have them with my is tied up with my existing bank but I usually don't use it, okay, next mark uh, cashback points or miles what type of credit card do you think people should be using


okay so personally for myself I think uh it depends on the lifestyle and your own needs lah so uh for myself personally I've both the cashback and the miles card uh for the for the miles card is straightforward right you, accumulate miles or points uh for future use like for instance travel but I think because of this COVID nobody will be using miles card for now so I think cashback it's the one that


is probably the the the card that has no frills uh instant cashback uh you know how much the amount of cashback you get rewarded based on that ya so, I I guess people should be using both at different point of time ya


what's your experience of purchasing insurance product from banks mark do you want to share your experience


so , the one I I I can remember was a life insurance that I purchase from OCBC uh it was a life insurance plan uh and I I managed to to get that when I was about maybe twenty seven or twenty six so my experience was uh


it was quite uh seamless uh everything was done through uh ipad and, the the banker or or the agent itself uh is able to illustrate the the benefits of of this product they go through me all the the terms and conditions and things like that so


ya it was quite easy, for me okay, uh do you have a savings account mark, if yes share experience ya


something like but effective interest ya effective interest probably one point eight or or maybe two percent lah but but the the headline rates that they advertise was maybe like three point eight or something like that


ya so personally for myself I think uh same as mark I have the UOB one account as well uh it gives a higher yield uh interest on your spend as well because you have to tie up the spend giro payments to to get that that effective interest of two percent


uh so I think, uh echo what mark mentioned I think it's probably one of the, better ones uh for for the local banks and also in fact the foreign banks as well ya so uh apart from the UOB one account I do have the HSBC uh


smart mortgage account because uh I have my personal home loan uh with HSBC so the smart mortgage uh works in a way where uh whatever uh, savings balances you have in your that account the smart mortgage account it gets uh uh interest offset based on the uh effective interest rate uh on a monthly basis so let's say if my if my uh mortgage is at uh two percent right


uh payment sibor two percent uh there is err there is a interest offset of, say uh cost of fund minus three point five at one point five percent, on your on your saving balances so I think it's it's quite uh good because uh I don't have to to pay uh a a higher amount of my interest uh of my mortgage itself ya so that's how the the smart mortgage work


it is a savings account ya it's call smart mortgage so ya basically the amount I think the the savings balances in your account uh of course kept at a certain amount maybe let's say two hundred thousand uh that amount will offset the uh mortgage loan based on the


ya sibor correct correct uh , uh , for for me because I think my whole lump sum of my my amount uh gets deducted from CPF


so ya, so so I I don't know about about the the same account lah but basically I I'll get offset the the interest so it's quite it's quite interesting lah because I don't have to pay so much of my mortgage


even though it's on CPF ya, uh I think for myself the the high yield bank account uh will be the UOB one account like for instance at two percent now uh especially at times like this when the feds cuts the rate right uh local banks are offering maybe like


the best at one percent or or, ya also so two percent I think it'll be quite good already ya, ya less than two percent but some goes quite bad badly ya


I think so


yup so uh for myself I think uh on fixed fixed deposit right I used to have one uh with CIMB lah because uh previously the the fixed, deposit amount uh interest is high maybe they they give like one point eight or maybe one point nine at at maybe one year ago or one point five years ago so uh


for now uh I've stopped uh accumulating on my fixed deposit so because the tenure can be like six months or or three months or one year so I removed that because uh I've seen uh a drastic change in in fact the fixed deposit interest as well I think now they're offering like maybe maximum one per cent


can you hear me hello, ya I'm back ah I I think there's a there's a, there's probably a pause on the webex, ya so I was saying uh


ya so there's a there's a drop in fixed deposit rates, uh, currently so I've not been using it, now


ya so my CIMB one was like from two percent now is like maybe point seven point eight so it's almost like more than half, ya correct point seven point eight I think CIMB offers one of the better ones lah, does


three months three months they have three months six month one year, or more ya , what's your experience of purchasing investment product from banks and if you have


what's your experience


or fund house lah, for myself uh I think I I've tried before the UT online from OCBC, uh I think because of the low transaction cost that they they charge I think at point eight eight for unit trust


so uh there's there's where I I I I did my first few uh UT purchase uh through banks uh the experience was good uh it was quite straightforward you just need to select the funds that you want buy, uh and then just it would just debit from your your your savings account and then reflect in the UT UT online trust balance account so uh


and ya I think, apart from that my experience was uh good because uh in fact even before purchase uh , it will share with you uh the the portfolio that that is available inside the funds that is available and also err some some they have some write ups on uh whether this fund is okay or things like that or whether it's the


most uh highly chosen ones or the most most effective in terms of returns ya over the past ya correct, , ya everything is online there's a few apps apps available for it lah you can use your uh PIB which is the personal banking account to do do that and as well as the there's this wealth dashboard that you can log in and then do your purchase as well


ya, some might ask, uh I'm I'm around right, okay, ya I think I think got some intermittent connection issues okay


is on the website and app lor so personal banking uh app is available you can just basically just ya


correct correct yup , yup okay then


might feel that , I think in times like this ya I will agree that bank interest rate is no longer attractive uh even if you bundled up like spend invest or or whatever


uh yes but but nevertheless I think we still have to put our money in the banks right irregardless ya a proportion of your of your money in the bank so uh uh to me I think a proportion of your money in the bank and then ya to actively invest


maybe in uh whatever you want, purchase like UT you want to buy shares you want to buy uh bonds or things like that ya, that's my opinion


but I agree that the money is safe there lah so there's no doubt that ya of course your your money goes through goes through the bank channel right even for your salary crediting it goes through bank right you cannot be possibly be spending everything and then or or withdraw everything and put under your pillow so


ya, what's your experience of getting a loan from a bank, mark do you want to share


uh for myself uh I have a home loan and a car loan so car loan like mark mark mentioned right is quite straightforward go to the uh car showroom purchase your, car and then uh uh ba~basically there's there's, you can't choose the the financier of the bank lah they will just tell you or is for us uh let's say for instance this brand we we we our tie up his maybe maybank or or maybank or hong-leong bank so you you can either choose from these two and then uh it's quite straightforward because all the details are are fed to


the uh bank and then basically uh you you simply just need to do a giro payment every month to deduct from there uh so so my current car loan ya it's from maybank uh my experience with them is uh


not really any experience because uh they just basically uh, do a giro debit from your other bank accounts uh on a monthly basis and then they'll send you statements that are uh on a monthly basis to say that these amounts are deducted


yup so my experience on uh home loan uh I got my first uh home loan uh it' actually a refinance uh it's not really a refinance it's it's a it's a resale uh condo so I got my


home loan through OCBC ya and it was quite straightforward, as well because I I got to know the banker and he's able to , assist me uh, it in fact even tying me up with the legal uh firms to do the paperwork and and the debiting of my CPF and also especially the the mortgage part also as well


ya next, do you think couple should combine their income or finances, uh of, for myself I think yes and no lah you you need to have your own account and and uh ya there is also a need to


there's a also a need to to combine your finances sometimes, yup mark, what's your opinion on this


part three negative experiences, describe a time when you feel trapped and or helpless, ya go please go ahead


but you all should have I mean I mean people should come and rescue you all very soon ah, ya but I mean outsiders lah outside the lift, oh the mall was closing okay okay


[orh], but then is there a staircase or what you just stuck in the lift, okay


but they will they will realised that you are gone what so , ya they don't know where you are left uh


but how old how old are you, okay lah won't die lah fifteen , if you are two or three years old then ya,


okay so what happened next, then people come and save you, [orh] okay


okay so for myself I think feeling trapped and or helpless ah I think uh there was one experience where I was we were travelling with the family to italy so ya we actually got robbed there


so uh it was a family trip uh I think like probably eight of us, so we rented a uh a big SUV and then we we're basically doing a road trip to to one of the museum in broad daylight lah so it was noon


so we parked ourselves uh outside, of a, a rome museum and then we went in to to visit the the museum I think after we got out like, an hour and a half uh after that uh our our vehicle was broken so basically in the car we had all our luggages we had everything uh


we were bringing uh on the on the tour itself and then uh that's that's the time where we felt that we were helpless or trapped, because, uh all your clothings all your belongings all your purchases all all was gone ya at that point of time


so ya, where you'll you feel you'll feel very shocked trapped don't know what to do ya, it was broad daylight at twelve noon, so uh so how what happened, after that was that we we got the locals uh the the local people to actually uh help us to call the local police


and then uh they actually uh escorted us uh and the vehicle to the police station and uh got our recordings and uh our, our statements and then uh


got us to to to leave leave the the police station so I think we feel more assured, uh but nevertheless uh it was quite a painful experience because everything was gone I think uh, we were left with almost nothing like the small backpack on yourself like just your passport and


and , uh some jackets, ya so we have to, purchase our uh things on our own for the rest of the days, what are some of the hurtful words someone said to you that you wish to forget


hurtful words ah I think like, ya, kind of hard ah maybe like maybe said you are useless or or or some misunderstanding


I think that's that's, hurtful for me, but I can't recall any, , no I think maybe because we always doing good so don't have hurtful words


ya , okay lah let's let's skip , , let's skip this what's the saddest scene that you have ever witnessed


uh, okay, okay


okay, how you know, [orh] okay okay


okay, saddest scene ah uh


I think it's the the one I told you lor recently my brother one, ya, ah no lah it's is the the my brother my brother story so my little nephew was, diagnosed that he he's uh genetically blind he cannot see so I think that's one of the saddest scene I think I witnessed because uh it could have occurred to anyone uh or anyone in the family uh


with no history of uh blindness you'll never know like how many, uh generations back but ya basically the the baby with was born with no rods and, uh she couldn't see I think, uh, it was very shocking to us I think it shocked the whole family as well


uh and uh, uh that was a time when I see, my my younger brother was quite emotional lah he, he he realised that his his kid was is unable to see when you, don't expect anything to happen, so I think


that's the saddest thing recently that I've, witnessed, err it happened when they realised that something is wrong with the baby lah when when that that four months old uh boy was playing with another kid then they realised that eh how come the the reaction was


different, when other kids can uh react to to uh some items some sound looking at the right direction now of course they they don't have their visual uh at four months but at least they're they're looking at the right direction so they realised that their


they realised that something is not right so they went for a check-up but of course the the whole case is concluded and there's nothing you can do about it because genetically blind right so it's like, not that you can replace the whole entire uh it's not like cornea you can replace cornea ya it's retina it's your it's your


it's a it's a ya genetic disease, so you can't replace your whole eye right your eye is connected to your brains it's quite complicated one unless ya, unless in in the near future that something, something they have lah ya


uh okay lor so far I mean they have to they have to, uh get over it but it's a it's a lifelong problem so they uh but of course my my my younger brother is is feeling better now lah uh he he eh he's more hopeful now uh


from from some of the social groups ah, like they say it oh some of the things that they can help and things like that, ya, oh ya ya like like for instance therapy how to how to take care of uh uh a kid that that cannot see


social groups like uh, guide dog singapore or things like that uh they are they are more encouraging uh they have seen this kind of, uh things, before so they know how to how to go about it, ya


describe a time when you feel that nothing you do is good enough


uh sometimes some conflicts within within the family lor like for instance my own place, or or my own family, like, uh ya ya too much bother about work and things like that and then uh maybe you have not been looking after your son for for awhile or for the day or things like that maybe ya that that's where you feel like you have not done good enough


ya eric, I mean sometimes my wife complain about me lah uh I I get too bored up on work and then, then I never, look at my kid or things like that ya so oh so, ya that's probably, one of the things that I think it's not done good enough


describe a time when you think nobody cares about you, uh I don't really believe in this question lah I think everybody cares, about one another your closer family even your friends and things like that but sometimes uh


they maybe don't reach out to you but uh ya I don't think there's any point of time where nobody cares about you, ya lor ya


ya okay let's let's go, what do you often worry about, I think ya like the most recent one I think mark were saying like maybe retrenchment and things like that I think it's something to worry about also uh but at the same time


uh sometimes you think of it if people get retrenched then , everybody get retrenched and bad news are going ongoing, ya nothing is going to work right so, uh retrenchment maybe, uh job security


I think, it's something that we would probably be worrying about for the next one two years I guess


ya of course ah like for instance maybe you you got other replacement jobs, uh that don't pay, you as high or, or don't pay you as well or you don't get uh that much satisfaction because they're wrong industry or things that you don't like ah


uh, ya sometimes when I think of it I I would I would just ignore it lah, because if if if really retrenchment were to set in and then like maybe half the population gets retrenchment then, everybody suffers lor I mean there must be a way to work this out right it's a


ya, it's a very, different different question or different, things to think about


ya lah definitely, plus plus I think uh there is also some savings lah so there's nothing to worry about also, ya, ya ya especially especially I think uh maybe at if you are a fresh grad at this point of time then then there's something that you need to worry about


is uh saddest moment I think we went through already is there one thing that you think could change you could change but never be able to, one thing you could change ah


ya I also don't know how to answer


ya , uh have you gone through any loss I think we went through just now uh what makes you stress, what makes you stress


so is is having if is having no bonus this year make you stress does that make you stress


ya ah


but if if you are in a sales role and you meet your targets and expectation, uh if, uh you you know that you are not getting paid because of this, uh does that makes you stress, that that's my other question


so you are saying no basic salary lah so if now in your circumstances is that you are paid a basic salary to work so if you are not getting, the variable bonus, uh it's okay it doesn't make you stress, okay


uh uh ya lah I agree with you I think uh you got to look up for the organisation as well right if they're not the organisation not making money and then uh the the really good thing is that they are not retrenching, uh so I think, everybody got to understand their part


uh what's the biggest thing that's holding you back from your goal or the most traumatic incident that you have experienced, uh


okay


uh can we go to uh like angels question in a post COVID world what are the some of the worries and anxieties that you face, post COVID ah post COVID after COVID, uh I think it's, I think to me the first thing I think about is


post COVID right what what are the travel plans (ppl) because I really feel like travelling I think there's some of the worries and anxiety we'll face more expensive (uh) air tickets (uh), or ya whether you can travel


part two positive experiences, describe a moment when things turn out better than expected mark what's your


what's your take on this, do you have any scenarios where you


oh okay for myself I think, things turned out better than expected ah sometimes you know especially recently when you are doing trading right when things turn out better than expected is when you maybe, uh set yourself a a goal uh a target price or something to to buy and sell and then uh unexpectedly it just


boom, like for instance uh, the the recent purchase I bought on zoom technologies , when when I when the price was at hundred and twenty I purchase and then when the sell price target price is at two hundred uh


uh it actually went above expectation it's currently trading at, maybe two hundred sixty dollars so ya, that's where things turn out better than expected, to me , now I sell already lah unfortunately , , I sell at two hundred dollars


okay what's the ya, what's the nicest thing that someone has ever told you


ya I think


agree it is very hard to to find the nicest one but I think maybe uh words of encouragement uh daily words of, encouragement or or things that uh you have done well and then people recognise you for uh and and tell you I think uh the slightly the nicest thing that


that can happen lah ya next, what's the happiest moment in your life, oh ya ya ya I I guess that's the happiest moment in your life I think for myself it's when my wife got pregnant uh and she's expecting so uh it's like a surprise uh a moment that you


uh thought uh, would never be happening so fast so it happened so as at uh of course there's preparation work lah so I think there's there's something to be very happy about when new life is coming uh, into this world ya for yourself mark


, you want start first


really ah, with me ah actually ya it is it is one of the, memorable one maybe maybe you can share your, your, what is memorable to you


ya I think to me also it's one of the more memorable ones uh where there's a lot of planning involved the the four of us uh me my my wife mark and, uh his wife uh we we meet up often to to plan for the travel uh especially when it's a it's a uh it's not on a tour


tour travel right it's ya it's, or solo on our own so we had to book our own car uh we had to look for our own accommodation uh where to go to and things like that so the preparation part uh is uh interesting because it excites you to to go for the trip itself uh where we travel uh


it is I think for myself and also my wife it's one of the furthest places we ever been too so, it's a ya it's something that that we we look forward to and the experience was good uh, err four of us easy to travel uh we've we've seen a lot


uh over there and then uh, everyone is very accommodating so I think it's one of the more memorable travel experience that we had, ya, travel travel light travel cheap, ya


what's the oddest or most unique compliment that you have ever received, !wah!, this one is unique compliment ah, , I I also can't think of any leh but, ya


or maybe maybe like unique compliment is something that if, uh possibly like if someone have not met you before then they'll say oh, !wah! your , you look handsome and your display pic looks handsome or things like that I think , to me ya


oddest what oddest oddest, because they have not met you ah so they will give you compliment that you have not heard before, I don't know ya, okay


what are you thankful for, ya I totally agree with you I've seen so many, heard so many uh news and things like that I think


ya because of this COVID period having a job it's, uh still one of the things that we have to be thankful for, uh of course we have to work hard for it , uh ya I think, that's that's for me lah I can't think of anything else


ya, apart from the current situation, what do you use the, uh for myself I think it's possibly reading, I don't like to read when I was a kid uh probably I I like the visual cognitive


part, where I watch videos cartoons or things like that I uh don't really like to read a lot but I think uh I start to grow to love to read nowadays, uh also, uh given that we had more time now as a adult uh especially


on working from home environment uh I I, uh like to read now ya


got to eat eat more vege, uh, best birthday present ah, and do you want to start first


my best birthday present will be uh, would be my little boy I think I think, I mean close to that lah because, uh uh my wife, at uh announced her pregnancy I think november ya


so that was during my that was during very close to my birthday, ya so yes, but I I won't say there's no no best birthday present lah there there is but it's very hard to think of any , for now ya it's very hard to


I think maybe something like, when you are when when you are when you are a kid lah something that you really would, uh yearn to have, maybe, ya to to me I I can't remember maybe things like wallet or maybe like a watch or things like that something that you want


uh, but memory fades away so you can't remember after awhile, , so there's there's no best birthday present to me, what's your biggest blessing in disguise


I think quite related also uh maybe the most recent one is when I joined this uh new place, in, twenty eighteen, ya early earn no sorry it's in early twenty nineteen twenty nineteen


ya I left this place where I have to uh, work very hard for to earn more , to earn my my uh income, ya so I think uh the the blessing in disguise is that uh when I left for this job is also to plan


to do family planning lah because my wife got pregnant right so I I guess, uh the the blessing in disguise in my current uh role in my job is that uh I have, more uh , free time on my own so I can uh do whatever I I wish to be doing like for instance spending more time with my kids and things like that so having a job uh


flexible working hours uh, uh very understanding boss ya I think that's that's something that I think is a blessing in disguise to be able to change my role uh, , environment and job, in twenty nineteen yup what is the comfort food and


something that you can always rely on to cheer you on, really why you so picky one for for my, for myself comfort food actually there's a lot of comfort food ah like snacks and things like that


no leh I think for for myself maybe like fried chicken lor or something like that ah I think so, comfort food uh


(oo) I think you go first, we lost the question never mind you can go on ah mark


what do you what do you love about yourself


really ah , , what do you love !wah! I think I I I really want to skip this question I can't think of anything that I I love myself on


look who ah, I think maybe maybe my dad lah cause, uh you only look up to someone when you're younger , not at not at the at your current age of course there are people like, maybe uh, some some some seniors but I think for myself maybe it's my my my dad


uh someone that I look up to, uh because uh obviously he is the role model in the family uh providing for the family and then, giving his words of wisdom whenever, err


whenever possible to to educate us and and the family, ya mark, who is your person that you look up to, okay


describe a time when you got appreciated for your hard work, of course when you work hard someone will come to you and say good job done right so


ya ya my organisation has this thing called a shining star nomination so, whenever they uh every quarter they they will reward, uh those people who has put up their nominations on on what they do like uh how they uh illustrate uh good values and behaviour to the organisation and things like that


so, uh usually is the the boss nominate for you lah, ah so you nominate that and then, uh it it comes through you get you'll be part of the, like uh, the cohort that gets nominated you get maybe especially this COVID period I think they send some uh


maybe some wine some food for ya and and a cert for you to, to be proud of ya ya how about you


, describe your perfect day (ppc), oh in times like this I think a perfect day is where things don't happen like you don't you don't get this ya it it it things don't mess up you


when you do your work properly uh you end the day well, uh you ya just hope for a better day tomorrow


ya ya but no not anymore , ya


actually in fact these days uh, it's very hard to talk about overtime ah you are in working from home environment sometimes you will still have to reply emails at eight PM nine PM and things like that so, uh unless you get totally shut down ah, ya same for me lah


ya but of course you can take some slack during daytime lah I think you'll agree lah everybody agree


maybe we we address this question describe your favourite activity to unwind and relax, ya mark, drinking lah


ya I think, I think nowadays I like to like ya netflix drink drink some wine with my wife watch TV


uh I think for myself especially when you have a kid and after the kid turns in for the day right and maybe eight nine PM or ten PM actually ten PM onwards lah I think the the, favourite activity for me now is to ya netflix and chill


ya ya agree (uh), what's the skill and ability that you secretly think you are proud of having


yes press already, part one financial related topic


so question one is do you have a credit card or debit card and lucas okay uh yes I do have both debit and credit cards and uh, the one that I most commonly used will be the UOB one card uh because it gives very good cashback and then as well as the citi


premiermiles because it gives uh miles on every dollar spent then uh debit card will be from my existing bank uh for me to withdraw money from my ATM


err my personal belief is that everybody should be using cashback card, because cashback card actually gives you uh money back on a faster basis uh as compared with points or miles because points or miles there is a need to to redeem before you can actually enjoy the benefits so a cashback is actually a no brainer card that I feel everybody should be using


uh over to you


I so far I only have a aviva plan purchased from DBS bank so the experience was very good because back then uh I I had a personal relationship with the


relationship manager that that introduced me the product it was an endowment plan if I'm not wrong , and uh , so far uh basically it it, forces me to in put in set aside a small amount of money every month and then I think I just have to pay for this for the next thirty years and then after which I will be able to get a monthly uh cash uh basis lah it's like a retirement plan endowment plan kind of things so so far so good


and how about you what's your experience of purchasing insurance products from banks


yes uh actually I have a few savings account I have one with citibank I have one with UOB OCBC and DBS, so , the one that I use most commonly will be the UOB one


account because uh that, that account features uh as long as you have three giro payments and uh card spend of five hundred sing dollars every month you are you will be able to uh enjoy


I think up to two point four percent of uh interest rate credit interest lah but that was before the adjustment if I'm not wrong lucas you remember how oh it dropped to one point eight eight right now, ya


uh uh, but but still it is not bad because in the market , everybody has lowered their interest rates because of the recent interest uh, fed cuts for the interest rate so on the bank accounts everybody is worried at the same time so I I know that DBS and OCBC and citibank as well as UOB all these four banks that I have has lowered uh their credit interest


uh but so far uh the UOB account still is giving the one of the best interest rates for now


eh so is, so your smart mortgage account is a savings account


your mortgage your mortgage loan interest lah right, then but do does your does your mortgage, uh repayment must it be deducted from the same account


[orh] okay okay, I see okay


okay, next question would be do you have a high yield bank account or fixed deposit if if so share your experience and details


actually is all less than two percent now uh, UOB is the should be the UOB should be the best at one point eight now than uh DBS has dropped to one point five, OCBC has dropped to one point three uh


uh err for me I used to have a high yield account I used to have this thing called city maxigain ha <mandarin>是不是:shi bu shi</mandarin> maxigain ah, maxigain ya that one is where you just put your money in there you don't touch it for twelve months and then after it you'll start enjoying two point five percent or higher based on the sibor rate because it's a factor of sibor plus step-up so if the sibor is eighty percent of the


the current sibor so if sibor is one percent today uh then they will pay you zero point eight percent with the step-up bonus of one point two you easily can cross two percent, so that used to be the high yield uh bank account that I'm using but uh they have since uh slashed the rates last year to about half which is why now I'm also shifted to UOB


shall we go to the next one, what is


eh lucas lucas I cannot hear you leh, !oi! are you back, you


uh I used to put my, uh spare bag spare cash into citibank's fixed deposit because uh citibank has a short tenure of a one week or two weeks, so that used to work for me because I actually want my money uh in liquid form uh


but ever since that the interest rate has been cut so drastically right uh this one week two this one week fixed deposit is no longer attractive it used to be two percent but now it has dropped to zero point zero five so that is uh effectively no difference if I were to just not do anything and place it in the current account


point seven point eight point seven point eight is still very good leh point seven point eight very high eh


but your tenure is how long one month, three months ha okay, I don't like so long tenure one eh but okay, what


err I so these examples that were given is unit trust and ETF I do not buy them from banks I buy them directly, from uh OTC, applications, ya I buy them directly from fund houses so I I don't buy them from banks


so every, so you everything is online, [orh] on that on that


eh you drop off again, now you are back ah , uh it you were, talking about


uh the experience of signing up online you would you say eh OCBC ah right so I asked whether it's from the app or the website, oh so is, is inside your ibanking lah


okay okay I I think I know what you are talking about that one uh but I I never dare to, go and click eh I don't think it's very attractive when nobody explain these things to me, eh let's go to the next one right some may argue that banks interest rates are unattractive whereas some may feel that their money is safe and accessible in banks in light of this would you save your money in the bank or invest it elsewhere


uh !huh! !huh!


uh okay I share the exact same sentiments with you banks rates are not attractive anymore, err so we will have to look elsewhere to start investing more at least to be able to get back the interest that we are paying on our on our liabilities lah


err I've only gotten, a home loan and a car loan, just one one second, so my experience of getting a car loan was pretty straightforward when I went to the car showroom I bought the car I signed the financing package and I and that that's about it lah I I never looked back


then for home loan wise uh my first home loan was taken up with DBS bank when I first purchase my property uh it was a relatively smooth experience the mortgage banker uh uh knows his his his his work


and then ah he's able to guide me through the whole process as I was the first time home buyer then subsequently I actually refinanced over to OCBC bank, and uh the experience was very pleasant as well I went through a mortgage broker uh called mortgage master then they actually referred uh OCBC to me uh which is why I'm able to get one of the best rates in the market today ya so I am very happy about my experience and how about you lucas


do you think couples should combine their finances and open a joint account if you have a joint account for your partner share your experience and the details , this is a question that I feel, I cannot answer for


eh, my opinion on this ah uh, there is no should or should not lah it depends on the couple's choice okay so, uh in the past with my wife I we used to have a joint account uh but this doesn't really work for us because uh this the purpose of the joint account was actually to save up to pay for the wedding and our renovation and once that was completed we basically stopped using our joint account


part three negative experiences, oh I can go leh I can go


err, uh I think this was when I was fifteen years old, then I was in taiwan, and then uh the mall was closing and uh the tour group brought the the our whole family to the mall lah right so as the mall was closing everybody uh is taking the elevator down right to to exit the building then I happened to exit at the wrong uh


uh uh, storey I exited at level two I didn't exit at level one and then, uh after that right the lift shutdown, so I was stuck at level two of the mall, uh with and back then I was fifteen I didn't have a cellphone overseas uh I was


trapped literally trapped in a lift lobby uh without any means of saving myself or or or, or asking for help, no I'm only one person


outside there's only me one person, and then the mall was closing already so everyone is ya so that was the that was the the last lift down right everybody went, uh squeezed into the lift to get to level one, I was the only one left in level two in the whole mall


the staircase was locked the staircase was locked so there's a there's a exit the staircase got locked, I was there trapped literally trapped very helpless and then the thing is there was no form of, for me to communicate with uh my family members or ask for help then


correct correct correct they will realise that I'm gone but the problem is once they realised I'm gone they would have they would have thought that I went down and left the building and and and walk walk around ah they will not suspect that I'm still stuck in the building because the instruction, fifteen I was secondary school I was in secondary school won't die but you see if you if you


no I won't die but if you get stuck there until like the next, morning correct then how are you going to find your family when they when they leave the place you don't even know your hotel that you stay leh, cause you are on the tour group mah, [orh] so I set off the fire alarm


ya I set off the fire alarm then the security guard came, !wah! but I was I was so desperate I was so desperate I was go so close to like you know uh <mandarin>崩溃:beng kui</mandarin> already


oh


don't know leh eh you want to go first


, ya I also can't recall any I think probably because our brain shut off all these uh hurtful things that people say because, , I don't believe you lucas I don't believe you I don't believe you


!aiyo!, I think the fresh one that just that will come to my mind would, be uh in early june, err uh


my grandmother my my god mother passed away and then uh back then it was a very sensitive period we knew that my grandmother was not feeling good, so I, I


uh, that that day lah I already prepared to knock off on time so that I can rush down because I know not much time left lah, right so uh ya but but I chose to take a phone call


and work overtime , so when I when I when I when I got there you know like everyone was there already so I was there last lah and I I couldn't get to see her, uh I couldn't get to see her before she passed away lor so, and


everyone was very sad that I, because my grandmother really wanted to see me, and my godmother really wanted to see me so that, uh, because she been calling my name lah, ya then I wish that !wah! I don't know lah that one is


breakdown lah everyone breakdown I also breakdown, uh, you leh you got saddest scene, you ever witnessed


not the youtube video you watch meh


eh for for that right they actually went for a check-up is it then how come the doctor will do this test because usually they don't run this kind of, test one you know


it's not cornea or okay


eh how's your family ah


oh so he, I see so he started reaching out already lah right to and,


okay, , (mmhmm)


I I guess most of the things right that that that uh, that makes me happy exceptionally happy you know whether it's a form of appreciation and in this case, uh uh unappreciated because whatever I do is not good enough uh mostly has to got do with work


so so I I guess I guess uh uh uh this, is also a work related question where I feel that uh you know like this year times are bad lah and I'm in the sales front front office line , so it it seems that no matter whatever you do it's just never going to be good enough because uh the upper management would be requesting for uh this unreasonable target sometimes while loading a lot of administrating work on you so


uh ya that would probably be my my take on, ya how about you


(ppc), so you are, so you're you are you are complaining about your wife now lah


I I don't think this question is applicable to me lah at least like we are we are in the fortunate group that we were not that we are lucky enough to no need to answer this question lah, okay lah next lah next lah


, , eh okay I have a slightly differing err answer to this question because I when I think about it I thought I would worry about losing my job


but , I now that I think about it losing my job is not the thing that I worry about I worry about not finding, uh other jobs that will give me job satisfaction and uh you know a sense of fulfilment that is something I worry more than losing my current job


ya but but


but you shouldn't worry about all these right you know what I mean like uh like how should I explain this like you worry about something when it affects your lifestyle livelihood, uh right it should should these are things that you should worry about mah because it affect affects you mah directly


okay anyway <mandarin>不不重要:bu bu zhong yao</mandarin> lah ,


and I think we are lucky at this age where we are skilled workers that you know we were not, be it even if the unfortunate case of a retrenchment happens to either of us right we'll it's not like we cannot find another job


one ah ya, ya and and and we are very lucky to to because some people the first thing they worry about is the next meal on the table


true agree, , I don't believe in this question


I don't believe in this question no no I I think that if if there's anything you feel that you could change about yourself within controllable means right and then you choose you wish you could change but you choose not to change then that is on you but if there's something like say for example you wish you could change but never be able to say for example


kind of wish mah right so, err I, will prefer not to answer this question lah it's hypothetical too hypothetical


, uh I think this question of on being stress is the same thing that I as as my


worries lah right so so my stress is has got to be work-related so, work-related wise same thing if I'm gonna repeat myself again uh whether you are in this organisation, whether you can progress progression is one of them like a career advancement and


uh prospects so so all these three adds up to more stress, that doesn't make me stress because basically we also need to be realistic right the company is not the economy is not doing well hence the company is not doing well hence if everybody is willing to give up something right then on our end probably bonus is the one that is cascaded down to our line to to give up lah right and if everybody is giving up on this


what can you do you can complain will you stamp your feet you stamp your feet and complain but you you will not quit for this unless you tell me you are the only one without the bonus okay then you can then you by all means you can feel angry and leave lah but otherwise if everyone has the same treatment likelihood is


you are not going to say anything different and and everybody is going to tell you that they also got no bonus right,


it doesn't make me stress it makes it makes me unhappy it makes me unhappy and unsatisfied so if it frustrates people, but it doesn't stressed a person out, unless you are counting on that money to to to do something about it which means if you are a insurance agent or or property agent on the sales line then you have no basic or low basic pay and


ya, , , ya ya it it shouldn't make me as stress at people with low or no no basic salary


traumatic ah, I think my most traumatic incident I've ever experienced in my life would be a car accident, ya because, uh car accident don't need to explain very traumatic uh, err


uh uh it happened so fast they didn't know what went wrong then the only thing that uh we could do is the post event uh rectification ah right and at that moment you wonder whether there are people injured whether people are died oh my god so so


ya even though it was not directly my responsibility but I was part of the accident so I felt very traumatic (uh) traumatised


part two, positive experiences


err, okay I do think that uh I, it in in my line of work okay and then uh I used to be paid commission right and then there is this uh but but but but slowly slowly they move away from the commission scheme into the bonus scheme lah right and then everybody was expecting bonus to be very bad


so I would think that that year when the commission scheme turn into bonus scheme right it, it turn out uh very nicely it was better than expected so, so that actually spurred me to stay on in the organisation and and work harder


ya uh are you still holding


, mark, actually that's very good eh , what's the nicest thing someone , oh I think I have a lot of nicest things that people tell me in life leh like you know like when your mother basically come home and ask you you know how are you how's your life eat already not uh uh you know those things actually the all those little things I do appreciate them and


when your wife comes and tell you like oh eh uh oh they really appreciate you they love you for everything you've done so all these are the nice things that happen in my life lah I wouldn't classify any one of them as nicest I or rather at this moment I cannot cannot


, !wah! I think you can go first eh probably would be your when your wife got pregnant right


I guess mine would be the day when I got married, because I I I I I, I'm very excited to hear you to share about, your your, you got experience with your firstborn right but I don't have a kid yet so so that would have to backtrack a bit and then


that will probably be my that the day when I got married [bah], describe one of the most memorable travel experiences, , ya ya ya that would be err


two thousand seventeen when I went to norway with uh lucas ya ya ya that ya ya , ya so so


I I I think back then it was uh a very spontaneous decision to to decide to eh let's go together to this cold country and and and just freeze our ass off (uh huh) so, err then we chose to go to uh denmark and norway which was a relatively not so popular place back then during our during our time right so I guess the this made the wife very happy then I fondly remember our


daily commute lah where we have to travel city to city the driving the food the experience so ya that that basically uh sums up my most memorable travel experience for two thousand seventeen awesome


oh ya ya


same same


and amazingly we only spend so little money, ya ya amazing ah, I cannot ah you go first I I don't know eh


I can't think of any how about we skip


how is that unique that is common what people who never met you will always tell, , , , I I don't have a answer to this question I'll go on next [bah]


I don't think we can finish the answers anyway , !wah! in this period of time I'm thankful for having a job leh actually because this is, it right


what did you used to hate as a kid but now love as an adult


uh !wow! I I actually actually haven't thought of reading as one of them but , I guess I couldn't say that for myself I used to love to read and now I continue to still to love to read I would say that I hate err


uh probably , some of the food, that I used to hate then now I I grow up to love then vege vegetables being the the the big bulk of it I think <mandarin>老了啦:lao liao la</mandarin> ha so, , oh ya


okay next one what is your best birthday present and why


birthday present ah, birthday present ah, it's your birthday meh,


your your birthday month lah right


ya actually actually it's quite hard to think of any eh actually now if you look back right you can only think of the #ang paos# the the what ah what else, some wallet


ha best birthday present I'm I'm not a birthday present kind of guy also ya


, agree, totally, eh, uh the only thing that pops up right away in my mind right is uh taking on my current job in two thousand fourteen


because back then I wasn't confident, I should take this job I actually turn down my hiring manager twice then uh uh finally uh I decided to join him lah right and, that turned out to be the biggest blessing in disguise because this place this new this current job environment allow me to learn allow me to earn and allow me to uh enjoy myself as much as possible lah so that will be my biggest blessing in disguise how about yours


nineteen ah


a a living bro


that has to be pizza for me eh and only pizza from pizza hut, ya it's my favourite comfort food, how is that how is that picky


!huh! so your comfort food is snacks ah, fried chicken what do you love most about yourself bro


oh I I, I I think I used to be able to answer this question I used I would used to be able to answer this question pretty well but not not at eh I cannot see the thing leh, uh ya I'm eh okay so


what do I love most about myself ah, I think it would be my ability to uh build rapport with people quickly and then be able to sell anything I would like to sell them, , sell toilet paper during COVID


, okay then you go to the next one who in your life do you look up to most and why


, I guess when we were all younger the answer has be one of, those people like it can either be your dad your mum your your grandparents right so I would like to have a slightly different answer to this because uh due to the recent


uh GE that just went by right then we all see all the candidates on TV uh doing their debates and flashing uh I mean doing their hustle and debates right so, I actually look up to our singapore leaders I wouldn't say who in specific but uh I would say that you know some of them are actually pretty brilliant while some of them actually show that they uh maybe not able to run the country effectively so so perhaps perhaps I actually have a lot of faith in in our current system


uh based on the leaders that we now have today , !aiyo!, actually that would be the type of appreciation that I prefer as well and uh and and in my current organisation they actually do give it and uh it's actually uh even it's you it's even nicer lah that at the end of the year they put something on the table to to uh to let you and your family enjoy so


so you have to write yourself nominate yourself or you other people nominate you


oh that's very nice eh , err


I would probably think that would be two thousand seventeen when uh, my manager left and I was being put through to another a different manager and this new manager is a very tough, guy so, it's always seems like no matter how much you do it's never enough for for him lah so come end of the year when my results were were very decent


he actually sat me down and say that he appreciate all my hard work and hopes that I stay with him uh and build my career and learn, with him lah so, that was something that I feel that, uh he show


appreciation for me and my hard work so I was very thankful for that moment, but next day he come back scold me again lah so, , ,


right as long things don't mess up things don't happen, ya, I think in the in the past your perfect day would probably be like !whoa! go in to work kill become a superstar killing it then come home find the biggest lottery ticket everything right that would that would


what's that sounds ya, uh ya so right now I I do agree with lucas lah a perfect day would be one that you wake up you go through days smoothly you get to eat lunch on time I if I get to eat dinner on time I'm very appreciative also as long as there's no uh overtime I think I think uh and I get to spend time with my family


that's why that's what I'm saying that's what I'm saying because when I work from home now, nowadays cannot cannot be done, so my working hours has been extended


and then somehow the bosses think that you know if you are working from home you are not working, uh it depends ah it really depends, ya


describe my favourite activity to unwind and relax I, used to be used oh I used to be drinking and playing games lah but when we are all stuck at home now I guess it's just netflix and chill lor it become netflix and chill, I stopped I stopped playing so much game eh


hor read it loud


don't have, secretly proud ah


okay so my for myself I'm currently a graphic designer full time so , mine like I don't really have a


very clear financial plan that I would save my salary on, to and and, an advice that I will give myself ten years ago would be uh, to, plan wisely for your finance, finance uh wise lah cos


ten years ago I do part times supposedly I should have saved some saved some money, but, nope I didn't so those money , , that I have earned will be like is gone now, so I would say


an advice to myself ten years ago would be saving money and making, good use like, investing it or doing something that would, help in the future would be good, and currently I also do not have a very


like clear, saving plans or whatsoever but, I saw this very interesting , percentage of saving our money will be like twenty thirty fifty fifty percent of your salary goes to


savings twenty five percent of it goes to investments and twenty five percent of it goes to really savings it, and then, twenty or thirty percent would be on your, loans or debts and then twenty percent would be


on like for your spending like whatever that you want to do during your free times like going to a restaurant to eat I feel that that saving plans will be like something good, for me yeah


yeah and I feel that the other way like to track your finance would be really jotting it down, or like there's uh like savings or like finance app that you can like key in like how much you have spend on grocery shoppings and how much you are saving it I feel that this kind of apps would really help in


planning your app , finances wisely lah, okay for me I also, don't really have like savings or investment insurance you call it, I only have like those hospitalisation health insurance to be exact cos


I would say healthcare in singapore is slightly costly so I feel that everybody should have a, health insurance so that , , their finances would not be like, haywire when something really happen to your health like when you go to hospitals and the bills are too expensive or


let's say for this virus , you have to stay in the hospital for, two weeks to check if you have , the COVID the swabs and stuff, ya, I feel that health insurance will be greatly, helpful


in this kind of situation, I feel that


okay actually the government really help in this , I say medical wise because if you work they provide you with CPF and then part of the CPF money would go to like medisave medishield and this would really also helped for for people if they are like sick or


, unwell if they're staying in the hospital, government, had really do their part in this for our part I feel that, uh an insurance will would really help lah for my insurance is pay under CPF, so I don't have to


pay monthly for my insurance so uh for those who are working already I feel that, they could get a, health insurance themselves lah so, yeah and, I heard that you mentioned your aunt and I feel that this older generation of people don't really know how to


managed their finances or maybe because they weren't, taught in their past how to manage their finances for say like my parents, actually they are still paying off the mortgage loan so I feel that they don't really plan their finances well enough to have already like at this age would have already like


have more a more relax life or like go holiday or something , yeah so my, parents didn't really uh, were educated in this finances period so I feel that this will have also impact us in certain ways where like I don't know how to handle my


money well ya (ppc) I feel that


hard work is really important lah for like, okay since my and since I'm still young, I would have like thought maybe a side income would be good, enough to like, provide a better living or better finance , like


planning or saving so I can like really do, uh really like retire like earlier or have like, a better life in my like, middle age or something so hard work, I feel then can improve your income level, and


improve your finances as well lah, yeah, ya so like like my mum she's currently doing a full time and then she had a side side business to support her income too so that she don't really have to, , work very hard in the future


ya so now she's uh like many people are trying to plan better, plan for their future and plan their finances so they had they had do they would have a better live in , like future yeah or like, any pandemic that struck


they would really, make sure that, they are they will not be suffering lah cos there's a a lot of, unemployment now, people got retrenched people got, pay cut so during this kind of period it's better if you have


an amount of saving so, you don't get easily like, , affected by this situation, yeah


okay previously I was working part time for SK two , but due to the DORSCON orange so the contract came earlier so terminated earlier so for that period of time , it was really difficult to find a job


yeah so and then, I would say like, cause uh, like we still had life still have to go, on you have, to spend on like groceries you have to spend on food you have to spend on your bills so these things are


like, now tying onto your savings yet you have to pay off on so , I feel that, its important to save, some money to, would tide you off this pandemic


ya and ya so, like debts for debts right like maybe people have credit card debts and stuff I feel that they shouldn't really use like future money I would say like money that they still haven't earn yet and spend it or off at once lah it's really


toxic to have debts, yeah and then if you cannot afford something then just don't, don't try to buy it or anything or have any thoughts on it if not, , debts are going to make you suffer in future I would say


yeah cause like, all those credit cards, you don't really have uh like, how to say like a limit when you, spend it cause you can't see the money, but when you have to pay its really bad


and like the interest rate the late payment fees are things that you, wouldn't be able to afford if you, like didn't work more or work hard to pay off ya so I would say that plan your finances well


don't have any debts save yeah, just don't spend, out of what you can earn, how to say you don't have to have that thing to be happier yeah yeah I feel


that knowing the value of money is really important


yeah I feel that


same losing someone that is very close to you will be, my saddest moment so I'm lost my dad last year so, it was really devastating cause he, , like there was no sign that he would


leave I would say, he's not sick he's not unwell he's not in hospital, he was, just his the normal him, [loh] yeah so what I feel that losing someone


wasn't really like something that, I'm prepared to do at anytime I feel yeah even though like, every people know that, people will just passed away


die but I feel that nobody would be prepared to let go of someone that they are closed to lah yeah , like things happen so fast, that sometimes I wonder like what really happen ah cause


he was really , like we were just in shock yeah yeah so I feel that my greatest fear now would be losing your loved ones cause


yeah my mom is still quite young but my grandparents whom like, they , brought me up like maybe, when I was , a baby they, , brought me took care of me so, yeah like, it's going to be their turn soon I feel so I don't know if


people would be prepared to to (ugh) lost their loved one anytime yeah I fear I I'm, I always like , like get myself prepared my grandparents might go anytime but


sometimes I still just don't, bear it lah like sometimes like uh, like cause like cause due to the, , whereas we also didn't really visited them cause they are staying in malaysia, and , I was really busy in the past maybe few years so I didn't really visit them


recently so, then yeah, and then sometimes I will just wonder if they're doing, well then uh, there was once I really uh like, I had nightmare that my grandfather was murdered by somebody yeah so like


maybe this is really something that, really scarred me like losing my loved ones my most traumatic incident I don't really have any like traumatic experience cause


like O-level results I didn't really do well , but I'm still fine with it because not really bad still able to to like go to, pioneer tech or go to poly, I had two chance lah


uh N-level and O-level so wasn't really very, traumatic also , ya my traumatic incident would be like, seeing my dad's body cause, I never really had see any like corpse before


yeah, that would be a very traumatic incident and sometimes that I would still , like have a flash of thoughts in my mind like, what really happen at the


place where I collect his body, yeah and my I often worry about I would say like what, do I often worry about would be


my future because I don't really know, like what I really want to do , okay I studied graphic design so visual comms ah so now I'm


a graphic designer but, I feel that this isn't really something that I would want to do so I would some I would sometimes like think about it like what do I really want to do in my life what do I really want to achieve in my life, , what is my future like


yeah, so for the time being I'm just , doing something that I learned in school so that, I would have a job first


yeah so I would often worry about my future like things that I want to do, how about you what do you often worry about, I feel that giving up was like I really quite


often feel like giving up for anger wise I don't really get very worked up, because , when anger conquer your mind I feel that things that you say would be really mean to others and would hurt other people feeling, yeah so I, seldom get angry I try to


swallow it off myself yeah and, a point that I would give up would be during secondary school we have this NAPFA test the two point four KM I'm physically challenged I feel I, I


every time I do the run I feel like giving up, I feel like giving up the whole NAPFA, test yeah cause, I don't really enjoy exercising I feel, so, a point that I feel like giving up would be that period of time


cause I seldom, uh like want to, give up on something cause I feel that persisting would really lead to, success successful yeah successing that thing ya so, giving I feel that give up


giving up will be like uh really bad thing to , bad thing to solve this problem I feel so, I would not give up easily, ya ya


okay and I feel that , as long as you persist in something doing something giving up would be not be an option in doing, things lah yeah so I seldom have


the urge to give up on something except for my


okay for positive experience okay not recently okay for positive experience I would say , something really inched to my mind would be me in in primary school,


like ya I did well for my exam so I got a second position in, class so that was the proudest of moment of my life and my mum's life I feel, yeah, and I feel in in primary school I really a~attained a lot of things that is really positive I would say yeah I got a second position in class


during primary five I feel I I think yeah and then I'm getting champ I'm getting first position like in, competitions and I was awarded like miss harmony cause I was really doing well with my friends and peers


yeah, that that was really a positive experience in my life, I feel yeah something's going to happen entire life


okay there's a (ugh) like really a lot of moments that I really enjoy, okay the most recent one would be going to korea during autumn okay autumn is uh a season that I really really really want to experience it myself


because singapore, doesn't really have any seasons, don't have any, change in temperature, or whatever yeah , and then when I I, when I was in korea when I step out of the, airport then okay I did something I just I just speak then


when I speak there's like, what's that call like smoke coming out of my mouth like, it was, it's so cool that, like, things that you only see in drama k-dramas that you really experiencing it yeah and then also got in autumn in korea oh shit


I walk we walked past this like just a pedestrian walk and then like there are trees that are like, leaves in orange colour yeah that was really like, I feel that I am in a k-drama that was really my fond


, moment get last year, , and there also will be , I feel that , travelling is really a good, like good, thing to help you have uh like fond memory