online marketing buy online !wah! eh trisha you you heard about this this uh ready credit before or not ready credit okay okay okay okay you know I got this ex-boss ah he used to be from a bank


so he says ah uh to get out of debt ah can use ready credit so when he said that we all like , !woo! really or not because ready credit, have have have okay so he explain he say that you go for those ready credits that have promotion


so some of the promotion is either no interests or low interest or something like that ah because when the person owes money right it has interest running one mah, so he says you take part but usually all these ready credit they have uh promotion period one so you must be ah you must you must take note of the promotion period okay so maybe one year lah so you you must count #zhun zhun# one then he say go borrow this money


take this money go and pay off this debt okay so now you pay off and then you got this debt right then then you just repeat this process, you just keep repeating this process uh and then you can slowly get out of debt


because you can use maybe bank A's ready credit promotion after one year bank B will have promotion mah then you use bank B one to pay back bank A by then


your your your principal interest all get lesser and lesser and lesser and lesser one so he says that if a person generally want to uh get out of debt right, can one do this method then we were like oh


so that time right my church ah we all have to pay tithe by chequebook, that time I very poor mah I said !aiya! go uh those who don't have POSB bank , last time ah, I young what that time then I ha then you get chequebook your bank account must be what current account lah if not must pay money and I thought !aiya! #bo hua#


so he teach that he says that okay then you just go and uh apply for this ready credit they will give a chequebook what free one so he say before you write the cheque you go and put the money inside first you put inside already right then you write cheque lor


ah , you won't forget what you put the money first, he said put in the money first, then you write the cheque write exactly the same amount free he has been doing that then we all like


oh and then he say one year you can save ten twenty dollars , banker banker !wah! ah very good ah ya, that's why he know he know all these we thought eh that was that was really interesting


ya then now I'm a ya so now I'm a self-employed right then I got this this senior he tell us all of you ah don't don't be stupid okay you all please go and put some money into your CPF we said what


I say then we say then he said that eh you all don't know meh CPF, special account has the highest uh interest payout leh four percent leh he said I I challenge all of you go and find which investment can give you so much


but maybe the closest is property lah but property you you need a certain huge amount to pump in ya so, he says the CPF special account is good in fact ah when I just called my uh insurance agent


because my policy was a the CPF one then he said eh you can please uh surrender your policy because the funds are not doing well already uh in fact the CPF uh it's better if you got you got uh the the the insurance with uh CPF one or not do you have


but that one is not investment right MediShield is not investment


go go take their money and become a premium member !wah! then !wah! you damn damn damn good ah


(mmhmm)


oh that time that time when I did this uh insurance one because I just started work mah so I also don't have money so I use my CPF lah anyway I were I didn't plan to, buy house then !wah! ya so I put there for some time and the agency !aiya! you can please take up


ya, this is the CPF is uh is is giving out good good interest rate ya so actually, ya actually hor if you can ah you try not to use your CPF to buy house if you can eh number one CPF is giving you good interest rate number two if you use your CPF to buy house


eh when you there is something that is called accrued interest that you will get ya yes, this accrued interest will keep on going as long as you stay in the house one, ah ah


ah, yes (uh huh)


oh sometimes it's negative sale one if if they use CPF and they stay so long right the accrued interest is uh oh so far lah our experience is is always higher than the purchase price one very long line will be like that uh if they use cash to buy then congratulations


because whatever whatever uh revenue that they will take right it will be back to them in cash lah because there's no accrued interest what


!wah! eh trisha I tell you ah


you know my recent work ah there's this very very irritating person okay this person hor !wah! okay he said during this COVID situation he said he he cannot take on projects ah


then the wife also say the uh other countries not paying her so they say uh they they initially said that they they will pay but they'll pay later they will pay my landlord later


ya so they give a timeline but when the time come, never pay then drag so they do this a few times eh so so, they cannot even pay half the rental you know


so my my landlord's a very nice lady lah she says that !aiya! don't to forget about the interest lah just pay her back principle, so they just keep they keep doing this not paying so once they pay pay very little then I say that the they have already breach of contract already so they even have the cheek so she says that they have to move lah I mean you cannot pay means you have to move right


ya so then the this this tenant uh she says !aiya! you know everybody's having a hard time uh can you ask the landlord to to lower the rent and things like that so I pity her lah I say I see what I can help you


so I talk to my landlord !wah! then my lord say, eh I must be crazy right to lower the rent and then she says anyway they cannot even pay half of it there is no point lowering the rent, exactly they should just move out right but they don't want so I I I went back I explain to them I say that no wait I say that no lah we cannot lower the rent


I say anyway it doesn't make sense what because because my my landlord can it it it is, uh it is it is it is uh, a landlord's market now because a lot of people wants to rent I said it doesn't make sense for her and she's a retiree leh she she depends on this house for her income leh she's pity you you got I mean like they also never pity I I told them that you know so they she is very kind then she !huh! then I tell her eh my landlord


is a retiree can you also pity her or not they just ignore that part they only talk about themselves then they have two autistic kids, so they wrote a letter back they have the they have the face to write the letter back and says that oh uh we will go to the media uh if you uh if you uh like you know ask us out of the house


nonsense leh, got this kind of people don't want to pay don't want to move ah then someone push their kids out leh, !wah! so my then I told


correct it's not my it is not my landlord's fault leh and then she's so merciful, they they don't want one lor they funny one lor they just don't want


maybe they want a bigger house they don't want I I don't know they're just weird people uh I but I I feel that they're out to cheat leh because the government also got they are singaporeans leh the government got give money, then how come you cannot pay the rent cannot even pay half leh which is what I cannot understand


my my landlord says that if they would have stick to what they promise right maybe they stick to the timeline ah she will consider but they stick to nothing leh the timeline come never pay, so so so we said uh ask the ask the ask ask for lawyer lah so send lawyer's letter !wah!


tell you ah this person this this tenant ah he says that the the lawyer uh advised wrongly then say that I am a greedy uh person wants to earn more money wants to get, !wah! what nonsense


what is all this got to do with him not paying rent my landlord wants him out right , he just blame the whole entire world eh, so angry eh then he just refuse to move [loh], he just refuse to move so so my landlord, uh says that oh actually if you and then goes to the police right the police also cannot help


because this is a civil law is not criminal, ya then, then she says uh go to small claim court then have to drag ah so she she told me that uh never mind lah at the most let them they I will just lost six months of uh rental more than that ah where got six months from from from april they only pay a bit a bit a bit a bit a bit so I tell her no whatever you want to do next year right you do now because


I think when next year come right they will still stay in your house where got, scold people trisha don't want to pay don't want to move leh and they act ah when I talk to them they act like they are the owner of the house you know, ya it's damn horrible and then when I asked my colleagues right I feel very lost actually because this tenant is I I I I helped my my landlord to to find one mah so


I I also feel my landlord never blame me but I feel like !aiya! why, why like this, why why such horrible people ya this !wah! then then my I asked my colleagues right they they don't have they don't have experience evicting people no they don't have


uh, ya because it's a HDB case private is private is easy to deal my colleagues uh the the deals ah you talked to the MCSD you talk to the security once they deactivate the access card they cannot go in already


ya so for HDB is a bit more difficult, !wah! then I can take photo and sue them


they can't pay ya very horrible but, but I'm also quite worried ah because the autistic kids ah already uh they move in, one month ah they say oh this one not fixed well that one not fixed well so so I also suspect I say that cannot be one my landlord did a very good job in handing over the house so I said I also do it with you mah how come so fast spoil then the guy very smart he said oh this


is a old house so so think this is the old house, ya, so they say that uh uh this the old house so things were were spoil were don't know what thing were this or that that one nonsense lah


ya I also think so !aiyo! so disgusting, oh what happened


okay ya


okay


oh !wah!, oh !wah! injection leh injection expensive ah


green colour !wah! once


oh


she vomit all the nutrients and everything


ah ya ya when kids are sick ah parents are very tired, horrible experience eh which restaurant leh tell me tell me tell me


!wah! if they still cannot be the middle is cold leh it's not long enough


maybe too many people in the restaurant then maybe they, oh no oh ah ha


terrible experiences with food I have terrible experiences at work, okay no next time you bring me nothing will happen , I have always have but my my work always very horrible one you know before this right I have another work ah !wah! I tell you ah


it's a I have a monster boss ah monster he will, monster colleague what your colleague do, my boss ah !wah! I tell you this boss ah he is really scheming you know when he needs you ah


he will say eh you are doing very well okay so your bonus now we will consider give you ya so when because our bonus got two times of that time my company have two times of uh, appraisal so the appraisal !wah! you are like grade A you know then you then you like you are going to the to the second appraisal right suddenly ah he started all the nonsense leh actually it's not


just me who get it even my colleagues that's how I get to know then he will if he cannot really find fault with you if he cannot find fault with you he will take away the your job role


very smart right he take away your job role then he say that eh I cannot grade you very well leh because you never do much leh for these few weeks these few months, kill that person so horrible right


because because okay in that in that organisation the grading is as such that maybe only one person can get grade A, okay so of course the one person is none other than we know who lah okay confirm it's the boss himself one mah so


then then then then followed so they will stagger so a lot of the people right so they have this pyramid they have this pyramid thing so they believe that most of the star right though is is is below average one


yes correct so only the management right he's the top, where's the !wah!, yes they are always on the top okay and then right so they only have this, amount of of


money that is uh like example it's a fixed amount maybe uh one mil or five hundred K lah so they have to split this out one leh, !wah! well when I went to a company I hear say something about this I thought !aiya! how can any company be so disgusting and I thought that this is quite reputable oh my goodness it's really disgusting


no it is scheming you see ah the beginning part of the year right is fantastic when it's close to the final grade the final appraisal right the fact that he purposely take away my job my job ah take away


ya that's why I told my colleague even I, crawl must crawl out so horrible that place, ya eh ya you were saying your colleague your monster colleague I have a monster boss abuse authority your monster colleague leh


ah okay


(uh huh) ya ya ya correct


ya okay ya the collection


ya then that's difficult lah , oh my goodness


maybe you should you should learn from my monster boss just take away all his responsibility and , nothing to do I don't need you bye oh my goodness why are there so very horrible people around


the ego ah the ego too great for that guy


that's true work as a team , stand these people leh just work right why create so much politics, then why they have such weird policies on on owners I mean where got where


feel like challenging the HR leh what are you trying to say you mean all the people that you interview and then you finally get them through they're all rubbish, you get what I mean or not so angry leh I didn't know about this pyramid thing right until


I I I, I I spoke with one of the most senior staff there then they explain to me, they said oh ya lah boss is like that one lah you just get used to it lah anyway we just uh just take your, basic salary you know and uh don't think much ah ya I'm like


what nonsense is this it, ya and then and then he will just use uh our funds we we have our own like you know those called funds for for for staff, he will buy very expensive tea for himself one leh like the the the welfare the barbecue


positive experiences ah hello , yes


yes yes yes I like I like , ah positive ah, I remember I went to china to look for a very good friend ya !wah! tell you ah I was


pleasantly surprised leh , I went to this place called #xi an#, you know I I I I always hear hear monster story about china see the toilet is like, that then the the the the the don't know the, the people drive very scary you know


but when I went there hor it's it's a very cultural place it's very nice, it's very different from singapore, you have the old uh china buildings but they are they are not like like like those haunted


place leh you know when you talk about old buildings right then you think of all the haunted place and everything, no leh this one is is very nice so I feel like walking on a very cultural place


you know , I never see so, !wah! you know ah my house ah in singapore ah every


I don't know I never see when I was, there okay anyway ya I never see, but back in singapore my house ah every night I see cockroach that one horrible man , I wonder where is dirty okay then all the food !wah! trisha I tell you the noodles there right is out of the world when I tasted the noodles there ah I feel like all the noodles in singapore are just rubber


no no no, the noodles is the texture whether is it spicy or not spicy right the noodles itself the once it's in your mouth [orh] it just taste, it's chewy it's it's very tasty it has different feel


ya it's not like the it's not like !aiya! yes yes yes it's very nice it's totally different it's totally different from the #pan mee# in singapore for the #mee rebus# no no no no no all this no fight ya no wonder when my friend was in singapore right she's like uh this is noodles


now I understand why oh and then the rice also !wah! I tell you ah the fast food ah, the rice ah it's, it is the you know the chewy one the japanese rice and it's their fast food restaurant leh , ya I mean like if


I'm now impressed of that already oh ya ya ya and their pork liver you know ah I very scared of pork liver I will never eat pork liver in singapore !wah!


very it's very it's very smelly and then when you bite it right it has this very powdery texture uh disgusting lah so when I went to china right my friend, she order pork liver then I look at it eh how come this pork liver looks so different I say this is pork liver ah say ya so when she cook it right the texture is very


smooth one eh it's not like singapore one ah you can, see like like like little round round rough rough texture no no no no no different, so out of curiosity I tasted it it's it's not smelly at all leh I this is so amazing


eh but it's really different ya ya it's really different


oh it is because of all these common things ah then when I went there ah, it's the men there more handsome ah eh eh eh I never notice the men there sorry ah


I never really go and take notice of the men maybe I'm more interested in food eh but but it's very impressive , how I I have never, I've never eaten any pork liver in singapore that is smooth like have you eaten or not


all the powdery texture damn smelly , then which fast food in singapore give you the japanese rice one


!wah! then !wah! the noodles ah sorry ah in singapore you cannot find that way you just cannot find , cannot, no lah how to bring back they handmade what there bring bring the chef back ah maybe can ah


oh ya then I can eat noodles everyday eh cannot lah become a noodle I already so so chubby already , then you leh ya any happening happy happenings happy happenings


last year hello (mmhmm) ah ya ya can can can


oh you win first prize ah


cannot be cannot be you just win the the the the last prize then you so happy once do you win the first prize


!wah! what's the first prize !wah!


nevermind at least it's a big prize but but I think you will prefer if it's a iPhone right ah


you you then you put it in the other room then you then then you all can can see different channels


at least you have some cash back


I ask you ah have you ever drank , have you ever drank Evian water before or not evian water wait your your Evian is from where one, where do you drink your, Evian water die ah !aiyo! that what is that one is the expired Evian water


you know one of my one of my uh, work trips ah I after my work trip ah I went to travel to a neighbouring country, so what ah, Evian Evian is in france so I went to evian itself so when you go to evian itself right you can actually drink this Evian water free


ah it's from the spring, ya ya ya ya so so I went there with my bottle !wah!, it is so light and refreshing


it is so different from the Evian water bottle in singapore and then, send here uh the taste a bit different !wah! the Evian water there is the temperature the texture is just nice


ya actually ah I I've I had ya I had a hard time finding the the evian, water the spring one because I I don't I don't understand french, okay so in that evian town right everywhere is evian evian, it's not hard to find the evian water then the thing is everywhere got that fountain thing leh it's like a very french thing ya ah so


that one that one I don't know so so I saw one right then I thought it was eh then my friend say eh you sure you want to try like there's nobody here collecting water


then I say !aiya! forget it lah so when I gave up right eh I start looking at the shops nearby lor I just say !aiya! just just travel don't stress myself cannot find cannot find, lah nevermind then, I think there's this !wah! this guy ah the local guy !wah! he's an angel to me he just stood there outside a shop I also get a shock


then when I finished shopping I walk out right he walk up to me eh and then he says he ask me are you looking for the evian spring water I say ya ya ya I was looking I cannot find then he pointed leh he say you walk up this slope


the evian water is just right behind, so my friend was staring at me and she's like she she ask me eh eh you do you do you know do you know this this guy or not I say no lah who who who would I know in a foreign country he said that he was when I was shopping at the shop the guy was just standing there looking at me


eh he's old guy lah, so he talk like he knows me leh I say, !wah! I said that ya he just stood there look at you and waited for you then when you're done he ask you


are you looking for this are you looking for the evian water, maybe but how come my friend was also standing outside there waiting for me never approach my friend leh


ya !wah! I tell you ah !wah! that was an encounter that was like, !wah! unbelievable, can lah


try try one day go to evian go to evian, uh don't worry uh they said


uh I'm quite happy because my government give me money , ya so uh, okay lah actually the property is still moving it's just that they are some activities that I can't do but it's fine


because uh I will just look at other things lah I will just do other things ya so so , ya it's actually quite okay yes because I think ya because uh my last year's my last year's case


the money finally come in , project always wait very long , ya so in a way it's uh good news although very few very sad because when you see money you don't feel sad maybe I'll feel sad next year but who knows what will happen next year


yes yes ya who knows next year my my my my sales will have immediate payout , yes yes yes yes any one one of the payout is I was a I'm a project uh in charge mah so I overriding not a lot of money but you kind of like sit around and then people work hard close case go and find leads then you just have a bit of coffee money


but but my agency is big what so a lot of coffee money is not too bad for COVID situation where I cannot travel, uh don't spend a lot it's fine ah you know my colleagues ah sales people ah we we like to spend to show that we are doing well they can spend thousand over dollars on on a branded shoes one so we're just leave out eh


I'm like, no no no he buy real one I tell you ah if we are all late right there there was once he was waiting for us, he got nothing do right he went to the orchard road LV and then he go and buy he go and buy a phone cover then we were like !huh! he said ya got nothing to do


oh ya in singapore eh ya ya ya recently I'm I'm I'm I'm out quite often because of my uh birthday ya, !aiya! lot of people leh eh know you you know on friday right uh wanted to go and eat the beauty in a pot !wah! so leh


!aiya! always beauty in a pot my beauty in the pot lah, !wah! ya the beauty in the pot lah in the pot


ya eh, so they don't take reservations one leh so you go and queue walk-in one, so uh before us there were thirty over people so must wait for two hours, plus lah and then I thought Siao ah don't want lah I tell my friend never mind never mind we just go and eat uh japanese it's crazy ah !aiyo! wait two and a half hours later


later you wait even longer all of you will eat me up ah then don't , so we went to a japanese restaurant also need to queue so you know by the time we finish our the japanese restaurant right eh our queue in in beauty in a pot, is is is more than two hours ah ya then my friend say


eh was it let's go, you want to drink the soup right I say never mind lah it's okay he say never mind our queue is here already yes yes , then I'm like oh my goodness we have two dinners so my this friend ah he cannot eat a lot one eh so I look at him are you serious or not say ya ya ya ya ya ya ya I said you can eat ah


he say can can can can then I say, can but the other friend say okay since you want to go and drink the soup right, wait wait why not eat the dessert here , can't eat already oh my god


and then you know when he went up right ha I turn and look at my friend and I said eh I thought he was joking you know, then when they, say because you birthday girl one, yes you want to eat the the beauty in a, pot so specific talk about the coconut soup I say never


mind lah okay lor , !aiyo!, oh ya ya what


oh so cute , !wah! nice


(uh huh) they can use it they can use it recycle recycle


it's okay it's very rewarding


so your this is your little, skill that I didn't know you can make uh big uh what playground, what do you make your girl ah playground right a house


I didn't know that you have such artistic skill man !woohoo! , maybe maybe it's a secret talent that you have , you didn't know right ah that's why first prize


first , !wah! for me I don't think I can do one, ah maybe sing song can ah , sing song play music, !wah!, yes yes I love singing


oh yes yes uh but now hor so COVID cannot sing oh they have this uh this uh KTV on the mobile one you heard or not before or not, it is it nice


really ah, serious ah okay I should go and try that


but it is is it because your phone is good then can record, !huh! oh


ha , financial related topic, hi #wai sien#, hello !hey! I I I actually like to find out you know we are actually planning to buy a second house and then and what are the strategies that you will recommend


to someone to you know to buy a first or second house, ya and what's the current market now due to COVID nineteen is so scary you know it's like you know the the economy is so bad so ya maybe you can shy uh you can share with her share with me your insights about these property law


guess whose money ah okay


!wow! that's a good idea but what if I don't have a job how to borrow


ah so what are the things that to look lookout for like for example you know things like other than pricing uh what are the things to lookout for uh for property, ah, besides pricing ya


ya good idea ya


actually we've been looking for one property which is called penrose, ya it's located at Aljunied ya so do you think that that's a good good investment , investment property to I mean ya can that we can consider


I see


so it definitely has a higher rental yield I would say, ah , I see


ya especially singapore housing is so expensive


, ya I think you're right like for example like last time you have like hundred thousand dollars it's a quite a lot of money really compared to now it's like oh oh my god how much I mean can you pass really buy a property using hundred thousand dollars


no impossible you mean HDB sells at million dollars now , okay let me let me make a guess maybe it's about about four four hundred K


uh two two uh two hundred fifty K, oh higher sorry, see that's why I'm not in the property line , that's why we need we need we need expertise you know


to help us you know to understand the property market


!wah! , so penrose may be a good choice lah I would say hor, ya


this is a very very challenging questions okay, so , okay


oh my god I better I I better choose the right word , okay so before married before married this, only you you you okay all the spending is you and your family you you you like your parents, ya so what what I feel like ya before you're married most probably it's like between twenty to thirty that's a this the range of the age


I mean more I mean for the I mean for now lah you know you know people are married a bit late now so between twenty and thirty they are still single so I would say that most of the expenses are mainly like for yourself, food daily expenses transport and then dating playing uh going out with friends things like that


ya but and you can still save quite a lot of money so actually actually there's a time that you can save most, ya and then you can do some investment like for example you can do some like uh unit trust you can buy bonds buy shares stock you know so ya when you're young I would say that try to try to be more aggressive on try to be more daring on investment because because even you lost


and then you can still have the uh you can still have time and energy to earn that the amount of money that you have lost ya you still have time, ya so but once you're married okay married has two different stage okey married without kids and married with kids


ya right okay so once you're married, okay first three years it's very important okay first three years it's a time that you can tweak how you wish your marriage to be like for example but but okay the foundation must be the man must love you a lot okay if the man doesn't love you then then that's a another story so if the man really love you you have to set


the foundation very rightly on the first three years so ask yourself what type of marriage life you want to have, you want to have a very responsible husband who can who can pay everything all the expenses for you for you ah okay then you had to slowly slowly educate him teach him


and because things will totally change after you get you once you have kids, ya so so, that's that's before you have kids okay that's the early early part of your marriage and and expenses is actually quite


uh increased but not much because both of you try to spend less because you all have a lot of family planning already so you will have like more uh you will talk about uh investment talk about uh family uh planning for kids and even retirements I would say that so the expenses it's actually


uh quite okay and then you can save quite a lot because you know with both incomes coming uh, ya but once you have kids it's totally another story so whatever you earn it can be hundred percent of your income you can you can totally hundred percent uh that means you have zero savings and for certain month ya it also depends on how many kids you have


so one two three ya, but forever but but but but uh but you know what I think is having children are investment lah , so it can be good investment or bad investment so for example if you are


ya you should you you try to educate the kids well uh give them good educations train them and nurture them with proper values then that was they then they may end up with, very good uh values when they grow up


ya it's running, ya oh sorry I missed out your message we have been too chatting excitedly , okay, okay can ya okay


okay, ya, so so it's hard it's it's a bit difficult to save lah when you have young children , ya so even one the one uh the other party may be the wife have to uh sacrifice and quit her job to be a housewife to take care of uh the children that's how I feel so so I think if ya so that's the difference lah


ya no choice mah we need money


so life it so life is totally different, last time you can buy an LV bag without thinking much now you can even buy maybe thirty dollars you want to spend thirty dollars for yourself you also have to think twice


ya maybe you're right , maybe you even had don't have the time and chance to go to #pasar malam# everyday is go to NTUC and home


and and pick up the kids from the from the school ya, ya ya right yes, I don't know like what's that lah can you tell me more about it


I see, eh you're not poor lah hello


ah


!wah!, oh I see and some more he's a banker, we should all learn from him


I have lah MediShield lah MediShield but I besides besides, CPF uh ya it's not investment I don't have I have to buy an investment lah have to buy investment ya, and then


I recently I not not recently just just I think a few years ago I bought this uh bought this endowment plan with a friend, ya and then and then this endowment plan plan right because there it was a certain amount of money but I don't want to invest so much so I just put maybe like one third of the amount


and then uh you know you know what they do, so they ask me to go and take loan from one of the bank, ya but but this is how you workout this is how everybody does that lah so I go and I try and take the loan [loh] and then you you know what happen after I take the loan I become the become the premier


premier , customer of of of one of the bank in singapore , but ya so anyway this this this this endowment plan


this I have to pay about four years and then after the fifth on the fifth year then they will pay they will have a certain kind of return but I will start worry because, because the, this year this year is the actually the fifth year already this is the fourth or fifth year I can't remember the exact plan ya usually always forget the details of my plan so this is a fourth and fifth year but the thing is it's COVID nineteen so I don't know how how


how bad like ya so maybe I may not be earning I may be losing I don't know so I need to need to need to check with him again, ya so that's a risk ah there's a risk that we have to take whenever we we do some investments


ya I also, I also use my CPF also


I think


ya we have to pay back uh we have to pay uh pay the government back right, eh I have a question leh I got some question to ask you for example right uh and I if if if my parents bought a house HDB which last time the house is very cheap right like uh maybe uh I would say that maybe like uh three hundred K lah for example lah hor so they stay there for like


thirty years already then if they want to sell and then what if like this what if they don't have like cash then how do they sell because you you you have to calculate you have to consider the accrued interest


oh my god


but for example for a family who is in need of cash like for example uh their parents are sick or maybe one of the their partners are sick they need cash they need to sell away the house so that they can get get some cash back right if for emergency money lah for example then, no so they can only the the only way of like getting income is through rental


okay


negative experiences, ya


(mmhmm)


oh no then then then then what happened


they should just move out I mean, ya to find a cheaper place


oh my god why, I think I didn't I didn't I didn't I think the person maybe undergo tremendous stress ah right, or even stressful also cannot like that right, (hmm)


ya I mean she I mean if the family need help then they should approach government, the landlord is not government, is not you know


I see, I mean with two uh with kids with autism it's very sad for them lah but then they they should at least you know honour their words and their contract and made to pay the money they can negotiate maybe for lower rent but they should pay they should not just


okay, oh, I see


with such uh, so this is quite unique case I would say, eh how come leh private is easier to deal


I see I see, and you also cannot offend the tenant too much because later they go and hack hack every corner ah hack all your walls and destroyed everything ah


they can't pay you see, ya , then this is quite bad lah this is horrible


sorry oh okay, I see ah nonsense lah I think this this family is really just want to cheat lah


, ya eh I want to tell you something I also very angry ah !wah!, okay, I think I think we have because I think I had , about a few months ago lah about maybe last year I think late last year we we brought my uh we brought uh our kids to a very uh nice so called like popular restaurant uh which serve popular pork ribs


ya and you know I I love pork ribs right BBQ pork ribs ya so we order order a big portion for everyone, I mean to share and then and then to my surprise the pork rib right


it's hot outside but it's actually cold still cold inside, then then so I so I I just so I just ask the waiter to you know to redo it lah and they are quite nice and then they just redo it and then after that we thought that it's it's it's okay to to eat


so we just eat happily and then and then and then my my children you know they are still young so they they they they have the food a lot and just eat eat eat then, the thing you know you know what happened, on the same night, on the same night leh then my my my girl right start vomiting at least six times having diarrhoea


yes, and then and then she she's feel so weak she can't even walk, so that was about one AM at night then we had we had to quickly rushed to the nearby you know not even hospital because hospital will queue so we quickly rushed to a nearby twenty-four hours clinic


then then the doctor doctor is quite nice lah so quickly , give her an injection you know injection you know some more, ya, ya then then after three days she's better lah but it was really horrible you know she even you know she throw up like you know those like


green colour vomit really you know green in green, ah so so so after that my husband was so pissed off, then, and he contacted the manager, and then we say that you know we we we come you know you have to pay our you have to pay for the medical bill lah and all the


transportation fees you see and then that's already very nice because we are we we don't want to you know file to the you know and we can complain to government lah you know about this case but we just want to give them a chance because they are actually quite a popular restaurant, so so we just say that as long as you can cover our expenses we'll uh and we wish that it won't happen to other kids lah because it's really poor thing you know


ya so, ya, uh scary, so I so so after after you know they they I think they are still, they take it they took it quite seriously lah so they after a few days they just they just uh pay us cover us all the expenses lor


but who want this you see who want this thing to be happen then you especially you see my girl already so skinny, ya so !wah! this is horrible man, and I can't sleep I can't sleep


this is such a (ugh), my goodness I cannot believe it


, so now I have phobia towards this pork rib , agreed ya I seriously I I I seriously I mean every time I eat right because I I even asked the I even asked the manager how do you cook it you know how do you cook so they actually stew it for like uh they they cook it they stew it


for at least eight hours or seven hours like that since morning, but I really suspect this is, I I suspect this is like, maybe for uh uh overnight lah maybe or, ya, it's not it's they it's not on the same day they keep it for a few days already I


exactly exactly so then I was shocked I was shocked, uh to my surprise no not really we are the I think so far that we are the only three


to me so angry


ya so so next time please don't go to that that particular restaurant that's really horrible, , okay


eh you have a monster boss I have a monster colleague lah !aiyo!, okay let uh you you tell me about your boss first


only only themself are the uh above average , so they cannot be always the top right oh that's horrible


ya ya, ya


I mean if if I mean if he finds your performance is not up to his standard, right, their expectation then he should let you know earlier


ya that's bad, so that ya oh this I mean luckily ya you're out of the company already


yes, okay so as you know that I've been I have not been working for a few years, so after I rejoined back my ex-company, ha, so I I I I uh


you know , I just I need some time lah I need some time to adjust myself right, ya so so while while while I was adjusting myself, adjusting doesn't means lazy ah okay ah just that maybe I act a little bit a little bit slower you know so in the beginning I act a little bit slower


I'm trying to adjust okay adjust myself ya then then this this this this horrible colleague right I mean, I mean just show kindness lah please lah you know you know if people are sincere just keep it hello #wan sien#


okay so I mean I mean, okay so if people are sincere I mean you just give chance lah you know but this person is so impatient, and not not not, helpful always try trying to find fault at you you know and it's make things very difficult for you to work you know creating unnecessary stress for you ya so this is really horrible yes and some more some more this person has to report to me


okay we leave it ya ya


ya so so, so this is such a bad experience lah but but, eventually we uh I managed to, sort it out with this person, ya and then things get better, but


but somehow I still just, don't like this person lah because of the the the the the bad the you know the bad experience is is is is quite


so I also so I I mean I feel that you know if a person is need help we should just you know try to help this person as much as we can, right, we work as a team


you know , ya we work as a team, then, I mean it just work you know and just work, happily lah, ya exactly


exactly I know I know how it feels lah ya


positive experiences, hi #wan sien# , let's start with another topic


eh I know you love travelling ya so can you share with me one of your most positive travel experiences what experience, ha


okay


!wow!, okay


ya #xi an# is one of the cultural uh city in china ya we call it uh


eh then it might uh, everywhere, lah come on cockroach


is it spicy or not spicy


oh, oh chewy, ha


I want to go I love noodles


ya (uh huh), okay, eh but you are the first time hear you are the first person I hear leh you travelled so far and you liked their rice and noodle come on anything else more interesting than rice and noodle I cannot imagine


okay, okay ya


ya I don't I know you don't like pork so I'm quite sure that you even take pork liver oh my god it must be good, I still not convinced I still convinced because number one rice is so common noodle is also very common and then pork liver what else can you say something more interesting


maybe you tell me the men there are more handsome than I would


I don't really like pork liver ya very old I don't like it ya


eh keen ya okay ya no, so did you did you did you did you uh brought back a lot of noodles


oh you marry one okay you marry one of them


ya recently recently uh I mean I change to uh last year lah last year we you know , my husband and myself actually attended a DLD, so, last year yes can you hear me ya so we attended a dinner d uh


D D and dinner D DND event okay, ya so so we we just went there you know and uh we we just try their food and so nice you know those like you know international food lah standard lah you know, and then the most exciting part was the lucky draw


eh how, come you know ah, eh don't say so fast one , okay so we are not the we'll whenever we we we uh we uh go for lucky draws we never win one okay so but this time


!wah! it was really happening you know we were we wait we won the first prize, it's a TV , so we got to carry back the TV home


ya it's quite a big price so I was so happy and, ah yes yes ya, I wish I wish to have a iPhone I don't want TV ah I already have a TV at home and we we seldom watch TV also


ya so in the end we use we, we just uh sell it lah, okay lah


I mean like a first first uh, not not really a very expensive TV lah you know so but but better than nothing right , ya at least have some cash, back ya


ah yes yes, ya I I drank before I heard it's it's the most expensive mineral water, but


I know but I seldom buy I uh, ya !huh! what do you mean , what sorry where where is it


oh (uh huh) ha okay !wow!, you mean from the directly from the river


oh so you get just get a cup and then you top up


it must be very smooth


(uh huh), there's some some may be fake you know the uh is uh I mean uh it's just tap water but I'm sure the tap water may be it may may even taste nicer than singapore


(uh huh), ha


eh you miss did did any uh any


after okay , oh, maybe every but every tourist went there


also looking for the same thing, and because you are more attractive mah


ya so I so I wish I can try the water also, okay it's very far uh anyway during this COVID nineteen we can't go anywhere, right


so how do you make yourself positive during this period happy you know because, I I'm sure your property line has , uh it it's affected a lot you know even everybody lah everybody


I also have


ya always think positive deeply ya, see you are still very cheerful and happy I'm sure ya


!wah! it's a good news, I'm I'm sure that always look out for good things and believe in good things it will come


, !wow! !wow! I'm sure (uh huh) ya


or maybe she buy from Taobao you see


oh, eh but do you know people are queuing, up, at all at most of the LV's uh stalls now because they can't travel they had to spend money right to this uh they have a lot of money cannot travel so people are all queueing up to buy all the branded goods now


ya, ya ya your your your birthday always celebrate one whole month


ya, eh so so did so your skin better after you eat the beauty at the pork it beauty beauty what beauty what , or not in in the pork , ah ah


okay , !wah! business good ah


ya


you mean you finish the first round and then you go for second round second meal oh my god


eh ya ya ya I want I want to tell you something very very ya it's a happy news for my kids ah, ya


in the end because I have my my my my kids right so so they they say they want to do they they want to participate in this project so I said okay [loh] come let's do it then we collected all the newspapers then we start rolling okay so so their their job is rolling we roll we roll about at least about two hundred paper sticks then we use all these paper stick right


to form two project because two kids two two projects so we found uh we make a house and we make a playground, ya so we use a super glue so my my daughter pair with me and then does my son pair with uh his father and then you know what happen


they won the first prize in their class, ya so and then they they got uh they got uh each of them uh receive a prize, uh the price is uh a a a folder, a paper folder


but ya, ya recycle recycle but but ninety percent of work is done by the parents ah done, by us


ya it's rewarding, yes it's rewarding it's quite fun I was ya, it's quite fun, an interesting a good experience yes


house a house you know the house is very nice one you know the house the house has a window has a curtain, there's a table inside and it it even has a light has a swing a place to hang the clothes a playground besides it that that's the the other project lah


ya forced to do so forced to be uh creative , eh maybe ah maybe ah, ya


you can you surely can, okay, ya I know you love singing, and we can sing for four to six hours


ya I know I sing with my friends, eh eh the sound the sound effect quite good one leh, it it it it really like you you are sing in karaoke, serious, but but the out but people outside like will will look at you crazy lah like eh what what's happening why you sing like that


ya what are you doing you know, no no no it's the same it's same, yes we tried


part one financial related topic


the first topic is what saving, account uh how do you invest your money to accumulate wealth and or planning for your retirement you want to talk about this nora okay how do you, so how do you invest your money to accumulate wealth


yup great to know !wow! ya I think a lot of I I agree with you a lot of singaporeans love to invest in property I think during those times especially I think about ten years ago or twenty years ago or whatever every we noticed that every five years right there is a good time to sell or buy property


okay I mean I I did the same as well but I'm not as lucky as you I mean I don't have my place en bloc I, , okay so uh when I got married well I move on to HDB as most singaporean will do right so after five years yes that's when I look for opportunity to sell my property


and then upgrade if I you know to upgrade so I moved to a condominium uh whereby , you know I mean I need the space as well because with family with kid coming along I need a bigger space so I moved to a condo


and then after that ya same thing after a certain period of time you will look for investment right I mean to sell since the market is good so we will sell the property and move on try to upgrade you know so on so forth lah, by upgrading that's where capital appreciation is alright I mean I totally agree what what you have said just now because I I had that same experience but having said but having said that right now it's still a totally different thing I can't do the same


uh five or ten years ago okay I I'm not so sure whether it is because of the pandemic or what but it's not so lucrative anymore to me uh investing in property is not the only I mean it's not the best


uh as of now last time for uh ten years ago probably it's pretty good but right now I don't see that kind of uh capital appreciation so I decided to move on to certain uh other types of investment, like beside savings right savings is savings is mainly for to save for the rainy day right uh to to pay for our daily expenses so on so forth


so the other part the good part of singaporean this is old because we do have CPF savings which is good then that is for our retirement, so I use I mean I I base all the CPF savings for my retirement so if ya if I still do there are some money those savings I have I will invest in like whether it's bonds or equities or unit trust or structured deposit depending on that particular


period and depending on what is good at that point in time, ya so that's why I diversify my portfolio into those areas to make sure that I have a good basket of everything so that in case uh one end up do very badly the other one will kind of uh


help to uh neutralise it lah and I mean of dollar cost averaging lah whatever we call it okay that it's what I do and then of, course insurance is also very important because we need to cover ourselves protect ourselves so that we won't be a liability to our children our family so I take up insurance plans as well not just for myself but for my for the children as well and there were education policy term life policy endowment policy all sorts of policy right woman's health I don't know whether you take out


so I picked up the woman's health as well so ya that is ya ya because uh that woman's health is really good because it gives me a, biannual free checkup which is wonderful so I don't need to go and uh spend money for another health screening ya so this is good


and ya I think and then uh ya then I have my retirement plan as well you know getting old right I need to prepare retirement that's why recently I took up a retirement plan so that I can retire early you know ya, babe now I'm in my semi-retirement stage


, I mean I I I mean I I take it as it is because, ya I mean I used to work like crazy when I during my younger days so when I reach a certain age right I'd rather move on to a not so high take not so you know I at least I moved out I'm uh I would rather move out from the corporate world and do what I'm doing right now which as my own own time own target kind of job


I mean ya I ya I I consider as my semi-retirement job ya like preparing for retirement ya


ya I I I ya a couple of my friends did the same as you as well they bought some property in uh malaysia


and their plan is almost almost like yours you know and then after that retire over there because I mean malaysia have all the land and the space and everything so retiring there is really wonderful ya versus like singapore property so expensive ya


ya we can ya we can eh we can hold on this topic later we're going to talk about this kind of uh holiday thingy because my daughter we were just my daughter was just talking about it


on sunday night ya they wanted to do that so let's let's talk about this during the the holiday holiday thingy let let let's discuss and and see how how how good it is I want to know more about it because I I I never thought of trying and but she's adventurous one she wanted to


try so we we hold on to this to talk about the the traveling part later ah okay remember we talk about this topic ya ya wonderful wonderful ya


then recorder says two minute leh only two minute we talk for so long eh


ya we didn't touch anything too it says ya mine too the same two, ya it is forty two minutes for mine


oh okay so the two minute thing just leave it is it we talk for ya we we talk for like ten minutes I think or more [orh] five minutes left so oh we talk for alright alright we talk for fifteen minutes already but the phone shows two minutes strange


ya anything anything in fact ya only today then I know that you guys have the restriction I really do not know


so you are only restricted to certain like besides property what else can you uh insurance and all that what else I mean


ah okay right right right right


that's why you must have a good basket of thing besides equity you must have bond as well bond is the one that is you know like government bond for example ya right that was, , no that's not gullible that is no no no no that's not gullible that's aggressive which is fine we all we we we've all been through that time right when we were younger our risk our risk appetite's always higher as we age right natural ya naturally as


we age then it's different every stages of life is every stage of life is always different correct correct I think it happens to everybody ya


ya every corner there's a McDonald's right whenever the prime space is you will find McDonald's


will be ya look yes look out yup


you know those investment-linked product that you buy right is it dividend yield meaning do they pay you dividend like monthly dividend, right alright okay right right just


ya so just a little suggestion if you if you want to next time if you are looking for any investment right look out for those as dividend yield that means there's an interest you know paid to it so at least every month you you do have


interest on with the fund is performing, so you know then you'll have your passive income lah every month instead of putting in a bank for example earn miserable interest right so by investing on this ya so all those equities that I invest right I'll I'll pick those that is with dividend otherwise I won't pick


because I don't want to wait till they fluctuate then after this you'll earn if don't have then I lose money then maybe net off I still don't earn much you know what I mean so I'll rather have the dividend thing that every month I secure I sure have like, for example three percent or four percent which is better than the bank rate ya anything below that ya anything below that I will not correct I will not want to invest ya so I base on that that that that


ya ya next time we ask whoever want to sell you any investment tell them I want those uh equities or unit trust that is with dividend then they will pick those with the dividend for you then you can go and discuss ya no lah don't ask me lah I'm not the expert you know, that that's where you can that's where you can ask that person see whether that person is genuinely helping you to manage your portfolio if that guy is ah they will they will ask you to invest


on that thing that's uh you know with with interest dividend yield, rather than that one that will fetch him the most uh KPI for for himself you know what I mean the performance key performance index for himself so a lot of ya all base on the person who's selling the thing to you


ah I'm sorry nora I'm sorry to hear ya I mean I ya I'm lost for words as well, sorry and in fact, this topic ya I'm trying to look through what other points we can touch on lah try to I do not wish to ya talk about negative experience really I mean if I can but I'm being blocked


by hillary I'm being blocked by this box uh it says you are detecting background noise from your microphone because I'm trying to read on the rest of the, topics that I wish to discuss but I couldn't see can I close the box I can close it lah okay alright thanks so at least I can pick other topics lah because I I couldn't see below just now


uh, actually I ya okay I'm not going to talk about ya the the incident that I lost my mum as well so ya


ya that's why it's that that's even that's even saddening I mean by by hearing that right it's it's very it's very sudden it's very sad it's I mean ya


ya naturally because that's the your family after all and the you know one your closest that's that's your dad ya, and it's not easy to find closure as well I I mean I lost my mum to illness as well my mom was sick and it was it's it was very sudden as well ya just by the time we realise that she's really on her last stage of terminal illness


so that was very sudden ya so ya anyway I won't talk about that because I will probably end up in your situation and I don't want to make you worse ya, I I found this topic what disgust me what disgust you so I'm going to tell you what disgust me


okay you know what what what disgust me is every time right when I meet with a service staff whether it's on the phone, or in person most of time is on the phone I think and when it it's time start to call when you have a problem whether it's a technical issue that the glitch or whatever uh any problem right you call and then


you always have to press all the options we could thanks to technology right to be connected to the customer care you press press press press you know then press press press press and it still go on and on you wait wait wait wait wait finally you get in touch with the customer care person right, and here comes a customer care person that will you know supposedly the the the title is customer care consultant right but half of the time they are not you know I experience once when I tell them my problem and next she said


oh you can actually do it yourself by looking at the app you know I'm one's like okay fine if I can do it myself I wouldn't have called the hotline am I right, I mean it's like it really it's really ah the first question that she post me I'm already upset !huh! if I can do myself I won't I won't be calling and I don't need to waste my time hanging on the phone


to get the line connected then I get this kind of service you can actually do it yourself so of course my reply is if I can do it myself I would have done it I don't need to call you then she realise oh I'd better listen to your concern ya so she listen, but I know she's not listening because I go on and on and then there's total silence alright then I say hello are you there and then that person say after a short pause right it said oh I'm here


I realised that she wasn't listening, so then I asked her that question and what did I say just now she couldn't answer me , yup it then she gave me that excuse to say that oh her headset has problem


can you imagine then it's okay ya that okay never mind then I repeated my whole story yeah so at the end of the day she didn't help me ya because she was she sounded so unfriendly so I say never mind just escalate my problem


to your your colleague or your supervisor whoever you want to escalate to because I decided not to tell you you my problem because I think you get to nowhere I'm not getting my problem solved ya, so this is the thing or not you know it's like eh I got so much problem here I'm trying to get things done and you are wasting my time you are not listening to me and all that


ya and and it's not the first time you know coincidentally I always call this ya uh won't mention name of course the service provider ya they are always like that and nowadays it's slightly better, they will ask you to provide feedback


so of course the moment you hang up the phone there'll be this string of question one two three question one did you get question two and all that so with with all this feedback in place I think they have more or less improved, ya but still there's still some shortfall here and there every time when I call I have certain kind of problem maybe different set of problem but the the what the the worst thing is that that that that experience ya whether it's a service provider or whatever bank somehow I just feel that we we don't we don't get the kind of service that we wanted


ya I don't know why, maybe because it's lack of manpower or they are not well-trained or what I really do not know ya but I I didn't ask about technical questions you know I'm just telling them that you know that I have this problem if they can't handle they can just


escalate to other colleagues like uh technical department or whatever ya but she's not she's not even listening lah basically what disgust me is that people don't listen


ya and some are outsourced ya some are worse some are even outsourced then when you hear the accent right you will know that it's outsourced right the whole team they are the whole team you will know


ya exactly why I guess they have their constraint and so they outsource but even though they'll outsource they must make sure that they train the staff


!wah! yours is bad my my I'm so impatient I wait for ten minutes I I'm like oh my god what ten minutes going on already and half of the time when I'm I'm doing that right


so if I know that I'm going to call this this company I know that it's my past experience it's about ten minutes I'll take out my newspaper to read first you know so while waiting I put on speakerphone I read my newspaper you know that kind of thing because I already know that they are going to wait so long ya that's to the extent you know !wow! then after that


exactly and you get that kind of person to say oh you can actually do yourself oh my god how could he say such a thing , , I tell you if I could only


correct correct from the time correct correct at the end of it ya so usually I know ten minute's up sometime I just hang up I don't want to be connected because I've waited ten minutes I'm not going to there wait for because all you will hear voice recording that they could say you are experience high call volume ya sure morning afternoon night sure high call volume then when should I call


, oh really ah I I didn't try ya it's crazy right


nobody call correct correct but the call consultant also not many people on duty , that that we are not so sure lah but maybe their manpower is leaner that time because they know it's off peak so probably probably is it's off peak, right you have lesser uh consultant or care consultant online or whatever I mean ya


exactly you want to hang up correct correct then you unless you hang up you got to wait for another thirty minutes you know to get connected


this ya this morning I call another company an insurance company I wanted a call I uh callback they say ya they'll arrange a callback because I we have a deadline to meet the I call at ten o'clock, right up till now even I put on airplane mode my phone I I hope they didn't try to call me lah you know but I guess there's no notification no incoming


incoming call I don't know later I'll check but I don't think I have any they have not call me you know until now because I wanted them to call me before one thirty because knowing that I have this session right so I I told the customer care please call me before one thirty ya they say ya they will try, because usually they say they need forty eight hours turnaround time to get someone to call me forty eight hour that's two working days


to just to get a callback can you imagine and it's a bank, what kind of, service that's why I don't understand, then why why why we are why are we facing so much of service


related issues when when we all know that you know we are so short of manpower, so they can just to recruit people isn't it because you see pandemic a lot of people lost job retrenched then they recruit more people so they won't have so much problem right, so why are we still facing this manpower issue or not not getting lives connected


(ppo) right


positive experiences here part three


describe a moment that things turn out better than expected what's the nicest thing someone has ever done to you what is the happiest moment in your life


and you did well but you did well your turn of the wheel


no you were born no no no the moral of the story is you were born smart don't need to study


that's your happiest moment that was your happiest moment in your life is it


okay okay, if you if I take your your O-level experience that will be my most uh most how to say most miserable movement , of my life which we are not going to which we no which we which we are not going to talk about it because you know first of all I do not wish to be uh remembered or wish to be reminded that's for sure and I'll just pretend that I've forgotten about it


, , okay, uh how about let's talk about the most memorable travel experiences because just now I heard you say say that you love to travel right let's talk about our my most your most memorable or should I say my most memorable experience first


maybe I say mine first then you say yours ah ha alright, so I guess my most memorable experiences is when my husband got uh was conveyed to canada that was ya the whole family were then, you know we were just uh brought ourselves there as well lah for


two years his contract was two years but uh because at that time my elder daughter was taking her PLSE that year so I got to wait for her to finish her PLSE first my elder daughter then, so that was ages ago right so then we went there like half a year later so we got to travel the whole of western canada


drawing debts that one and a half year period lah so ya that was the my most memorable time that's when I the first time I get to experience snow in a winter


ya then I got ya ya ya correct and and then we experience, I experience spring as well and summer is fine the summer summer is all right so uh ya that that's great you know I mean I can write a book about that and I have all the pic all the photographs and all the ya all all the all the thing lah the whole of western canada


ya I mean I don't want to elaborate it because I can go on and on and on and on for the next twenty minutes you know ya,


wait ah rust as in R U S sorry sorry rust as in R U S T is it


okay uh okay okay I will I will I will check it out ah yup, ya the next time we we (mmhmm) go ahead


well Nora you don't (mmhmm) sorry sorry go ahead sorry


ya exactly I wanted to see what makes you think what makes you so sure that they are the police did they show their identity did you check their identity, you know what I mean oh man, were they in uniform


!wow! you certainly don't look like sorry ya you certainly don't look like someone that is so adventurous , you know and I mean !wow! not bad I mean I can never snorkel you know I don't know why I mean I'm so afraid of water I have this water phobia thingy


so even though I love the sea sand and the sun I love the sea sand and the sun, but if I go to the to the beach right I can only stay at the shore enjoying that and all listening to the sound wave the waves of the sea but I won't dare to go into the water


alright ya but having said that right because of uh the demand from the family the kids and the the husband and and you know so we we we make a trip to great barrier reef ya cairns right cairns yup I went into the sea but


obviously it's in a capsule form you know the capsule the capsule where your stay inside the capsule, right deep inside ya where I'll be protected from any big creature ya I got to see the reef I got to see everything without being attacked ya I I I I really had a good time ya so that is the the the other way you know


not as I mean I don't have that kind of experience that you had the really snorkelling wonderful but but I I manage, to get into the sea deep into the sea but by that means lah, you know I I dare not even ride on the the water scooter thing cause the water scooter you'll be exposed right so I I chose that one with the capsule you know that we are all inside oh man the fish is really big you know so I thought I thought that is the the scooter thing I don't know what is it call now I thought it's magnifying you know but actually it's not you know it's really so big


I thought that is this magnifying effect ya but !wow!, ya ya ya kind of ya the submarine that type correct ya I always say it like capsule ya I went in ya I went to that ya so they were (mmhmm)


but it's not the whole submarine that they contain everybody you know it's just a family of four ya then my leg will be wet you know I'll I'll you know the leg is exposed but the body so we still wear the the suit we still wear that that suit ya


then it's not the submarine it's not a submarine it's like you we have this glass helmet thingy glass so I always say capsule glass and then my body is protected but my legs ah I can feel the cold water you know that kind of thing ya so ya


that that that err, I don't know whether my leg is hang on now I need to see back the picture because we we even have because that was so many years ago again ya probably about ten years ago I need to see back that that video we have this water camera thing that we we loan it from that that that


tour tour tour guide fellow so, ya that that that's why we we need the the camera that can go inside the water right to take the picture so I have that I can't remember whether my leg can touch the water I cannot remember but I remember I was in that whole body suit ya, even that I'm in that capsule ya I I feel so safe correct because I still ask will we be attacked by jellyfish so on so forth so afraid so I need to be in a capsule without any


but I want at the same time I want to enjoy the corals the reef and everything so I want the best of both worlds ya so that is the only opportunity that I have ya, I mean I I I have to right once in a lifetime otherwise ya but I will dare not go for snorkelling diving or anything like that I I won't dare because I have this


water phobia I don't mind swimming in the pool you know the pool that I can ys a pool but not too deep a pool the reason why I have this water phobia is because when I was young right I learn swimming from this instructor I remember I was in primary school he he is damn one kind he brought me to a diving pool on my first lesson


and he tried to be funny because it's a one to one session ys so that was the time I tell myself that I'm not going to learn swimming anymore, so I was like ya so after that it's in I I remember one of the ya the swimming complex ya after that I went to the the the security guard the you know the counter so I reported that this guy try to be funny ya I reported I was then only primary six you know


twelve year old I reported and say I want to report that this guy try to be funny he brought me first lesson he brought me to a diving pool ya so after that I, I I I didn't I didn't continue the lesson obviously right first lesson the first five minute oh you know the reason he say oh uh diving pool because it's deeper you can float easily so I bring you there the moment I go in there he try to be funny so I quickly get up I run


to the the the station lah where the security guards are so I reported him ya then I went back, I will report ya no way I will report because for this for for the rest of the the kids or whatever I I definitely will report because I felt ya I felt that he's trying you know try to be funny no no such thing ya ya was twelve ya but ya ya I


I have to I've got to protect myself the fact that I go swimming lesson myself so I got to protect myself right so my mom will allow me to to have a lesson one to one thinking that the coach is okay thinking that you know singapore is quite safe or whatever so but ya I mean I can


protect myself but I have to report you see so subsequently I didn't learn swimming at all you know until I met my husband he teach me how to swim can you imagine ya that's why I know how to swim in the swimming pool but, ya in the swimming pool ya ya in a swimming pool but not too deep a swimming pool ya in a swimming pool anytime can stand up that type you know


, , ya ya you know what I mean, near the the the side correct correct near the side of the pool so in case my leg cramp right I can hold on to the side that type you know cause you I have the phobia so I'm


I'm always very worried that I may drown you know ya so even, I do but I do I do the I went to to uh Sibu S I


B U in malaysia that time ya Sibu island really nice first time when I work with this german company so we had an outing there !wah! I love that place man so quiet very nice Sibu S I B U


ya I went to Tioman many years ago as well once once in Tioman once, in Sibu and then then we have Batam and Bintan which is pretty nice too you know Turi beach ya so I I love the, uh I can't remember which one in Tioman I just remember we went to Tioman island ya


that's so many years ago, that's why I will ask you for sure before my next trip ya you want to saw this


right ya you can't ya later


ya ya the next time we meet ya next it's okay next time we ya when we next meet ah show me Salang beach resort yup at in in Tioman


[oh] Salang Sayang okay now I take notes you know Salang Sayang okay, (ppl)


ya part one financial related topic


okay uh, so now we'll talk about personal finance uh personal financial advantage and disadvantage is it


okay I think uh for being a singaporean a typical singaporean the first way to do investment will be investment investing in property so


I think I have went through two cycle of buying and selling property, the first one I was lucky because HDB en bloc my block so !aiya! so that was a lucky me subsequently I got a brand new


HDB property and uh then us, from there five years later typical singaporean as again after five years uh sell the property and with that I'm got happens that that period of time there is a tremendous en bloc


uh interest in area in the area, and my property went thirty percent increase in capital appreciation and with that capital appreciation so I managed to sell the property and get a older property and managed to pay everything


with a invest uh with a surplus , and and with that surplus I put in the bank, so for us uh for, for muslim right we don't play stocks unfortunately because there's the muslim law that allows us to


invest in certain uh, muslim related product but uh, so as a result, I can only keep it in the bank and do nothing about it and just wait for another opportunity to come so for me first will be uh invest in property second for wealth accumulation it will be savings


but honestly saving I don't think the money will grow so much because you don't do anything to it you just put in the bank and it will just depreciate in value uh with the current inflation and with the current interest rate that the bank gives, no it's it's not appreciating so so what I do is I just put a little amount in a fixed deposit some amount in insurance and a little bit and some amount in investment-linked product


that's what I do


savings true


that's good ,


actually uh for me I intend to decouple uh okay there is this there is this way where no I've always wanted to have uh two property currently, I have another property in malaysia but that property is really not making money because of currency exchange and uh when the property was bought


the exchange rate was one dollar to one ninety ringgit now is one dollar and three ringgit so it's definitely losing money uh even though the property has appreciate, but in value it still lose money because of currency exchange but


somehow what happen is my plan with my husband is that, if let's say everything is settled down with my kids right I intend to probably decouple that mean decouple means take out my name from the current property and then uh properly buy another property and uh rent out that property as and use the


rental from that property for uh to pay for the mortgage and then the current property that I have is fully paid right so hopefully , I can totally retire just by from the rental of the two properties at the same time stay in the property that is not making money in malaysia and travel around that's my plan so assuming I can get six thousand


for two property I'm just saying as taking the lowest figure six thousand I think it's enough for two of us to just not do anything just move around in malaysia malaysia is being cheap so and we just wait for the capital to appreciate I mean the property value to appreciate because I believe in singapore


being small it's just like hong kong or japan where the property really uh really really so expensive singapore is going into that direction, but then currently there will be a property burst I think in two twenty twenty one because there will be too many property and the demand is not going to catch up so hopefully and then with the pandemic uh hopefully


our plan me and my husband's plan will work so for us, we just we just love property so it's either invest in singapore or invest in malaysia but malaysia no lah it's really not a good investment uh, invest in emerging market like vietnam, uh this places where they are near university because history shows that any property near university is really really good uh for rental as well as for capital appreciation near university and near hospital somehow


so that's my plan lah because like I mentioned because me being a muslim very tight very controversial controversial lah because in in the past we actually uh did some FOREX which is good FOREX is, really fantastic but it can goes up and can goes up down very fast you can really make money


within one minute one thousand and then another minute it shoo all the one thousand all disappear lah but at the same time recently , uh being uh being in a muslim family so they say it's not halal so kind of get rid get out from there lah so the only thing for me I can at the moment invest will be property whether in singapore


or outside singapore investment-linked product which is, halal, while some investment product investment-linked product is fantastic right now and , of course insurance we have to get insurance and at the same time savings last for rainy days so but my number one is usually property lah I just love it


we intend we intend to travel so you don't intend to stay in one place but that property in malaysia the property is there are a lot of people who ask me , who wants to rent out the property in malaysia but I just don't trust them lah I don't just don't trust the people there just simply because I've heard so too many stories that I just don't want go through that lah but in singapore it's fine but not in malaysia and then uh


, ya it's it's your they will just don't pay or I've heard so scary stories that I don't think it's worth it lah and anyway, let that be my storeroom lah for the moment park my car park whatever over there so we intend to travel so hopefully that will materialise I just want to have two property by the time that the children are out we just can just travel and rent out the two property in singapore just travel around malaysia or wherever


we are trying or venturing into camper vamping camper van yeah camper van travelling hopefully ,


, uh sure ya, true, so uh for me because uh my mother is uh


my mother is malaysian so she can she can invest in a lot of uh, product in malaysia uh which is only allowed for malaysian, and uh, sorry uh, what is said


moderator the it doesn't matter is it if it's not moving my what is that my it just there's nothing here when I press the phone


no it's the same like just now I mention to you I didn't touch anything can you see


right, okay alright so clarence as far as I know because you guys have no restriction on uh what to invest for wealth accumulation you guys can do stocks right uh you can buy stocks


ya so if, oh yes yes it's just that some muslim they don't care they will just buy stocks it's all up to individual lah how you practice your religion uh yes in the past I don't care as well sad to say


usually ya insurance stocks usually the there uh the religion is concerned about what you investing because there are some stocks that invest in uh


product that is not halal like for example, uh pork uh, liquor we are not supposed to even though you are not supposed to drink it or consume it we are also not supposed to we are not supposed to be involved in any of this product so uh there are certain product that we can and there are certain product that we can't


but having said that uh the the, halal way of investing so far the portfolio is also very good it's just that it's still very new in singapore so it's not very it's not very big or wide ranging like in the middle east or in malaysia so it's too little to choose from now we're only starting to pick up


ya but starting to pick up I'm already old, , so if I'm going to invest in any of this halal product, they must have history right so with all these funds without history how to see performance then I don't know whether it will really make money


because you usually I know in the past I invest in equity equity is fantastic you can go sixty percent seventy percent within a short period of time that is because last time I am a high risk taker I am not low risk ya high risk means all equity fantastic when it goes up lah but when it goes down you cry lah


ya, when I was young I was gullible lah clara very greedy want the money to be quick


, so high, slow down


ya, true so I guess there is a lot of uh investment tools but uh my number one will still be property, because I believe ya property is uh very good very I think most business also that is successful in this world is based on property like McDonald we think that McDonald are selling burgers but in actual fact they are selling properties they are they are investing in property actually so when


ya when I read up it's actually they are not really selling burgers they are actually investing in properties around the world ya, ya like what you said early in the back in singapore twenty years ten twenty years ago you can just flip property can buy now and can sell ya if only right that can happen now unfortunately that time I was too young and no money


now when I'm around cannot already government put a lot of restriction there's the there is the additional buyer's stamp duty for a second property all this must take into account ya that's why I only wish to only have two property I think can only afford two also


cannot afford and then the second property also must be the shoe box size cause it's the cheapest ya , shoe box size as long as it makes money generate income lah and pay for their mortgage that's my plan lah I hope it materialise as fast ya


true so the other thing will be the investment-linked product ah hopefully still aggressive still hoping that the price will goes up but now everything go down lah except health sector the price goes up it's too expensive to buy also right now for that it


it's all base it's not monthly dividend it's that one time uh let's say for example the minimum is five thousand so you just pay five thousand until you see how's the uh fund going ah whether it goes up or goes down and how you want to change the fund interchange the the fund ya


just that at upfront I think there is a three percent costs to the broker


zero point something, [orh] okay, something new I learn today


okay good to know good to know


part three negative experiences, I think clara I will start with, , saddest moment lah okay uh so my sister


uh got married late, and this one very fussy girl lah, so many boyfriend is cannot hook one sorry eventually she got hooked with one guy, and then uh they got married


so on the on her wedding day everything was fine everything was it it was joyful event because so many years we don't have a wedding because I got married and then I think after got married my sister got married fifteen fifteen years later then only my sister got married is it fifteen years later or twenty years later so you just imagine lah there's no wedding throughout


that period period of time so when my sister got married everybody was happy because eventually she got married and you know and uh everybody came and I only have one uncle lah one in Penang and the other one is in, malaysia #johor bahru# my mother only has one brother my my father only has one brother in Penang and one sister


so obviously when all of us meet, , everybody , meet for the for the longest of time it is really nice right so my sister's wedding is say for example on a or on a sunday


and that sunday night, uh her wedding is in uh, Bussorah street lah one restaurant in arab street and after the wedding we are supposed to go back then uh my, father was so chatty that time that that night he was so chatty he said [orh] you know his friends were talking about my my daughter my youngest daughter how she is this how she is that I have never


felt , jealous of my sister not even once in my life but then I don't know why I feel so, , I just feel so jealous lah don't know why that night


I was that was the we were waiting for transport me my mum and my father lah so there's only three of us and uh, so, so as I listen to my because my father is the chatty type he he's he's always the quiet type the joker type the one who just uh look you know you know what I mean so he's he's the one with a kind of humor and then


my my I told I mentioned that my, my uncles they are not from singapore right they are all malaysians, so after the uh, wedding everybody, fly back home lah and


and some drive home and me too uh we went off and the next day I, call my parents and ask how things are then I did manage to speak to my dad my dad say oh you want to speak to mom I said uh okay and uh just a minute I give pass you the phone to mom and


and uh, I actually go to cry sorry, sorry clara, !huh! cannot believe I'm going to cry guess I've not talked about this for so long


in the afternoon she called me my mom, oh I talked to my mom say how's things and my mom said okay everything is fine then uh


around one PM she called me I didn't get the call because I was tired but I got a phone call from Penang saying I'm sorry your mom has passed away I said what what are you talking about, you just I just spoke to her then I call my mom no she's not she didn't pass away the one that pass away is my dad


so it's like one minute you are having a celebration, the next minute your dad just gone, so my my uncle who just uh arrived Penang they just touch down just arrived home haven't even unpacked got a call from us saying that my dad has passed away everybody is like you can just imagine you all having so much fun


barely less than twenty four hours next thing you know he's gone , it was sudden so it was really shocking for all of us and I have to dress my sister because she's on honeymoon and I have no idea where so it was so we have to wait for her to come back and


the problem is I have no idea where my sister I forgot to ask where do you go for your honeymoon cause that's the last thing that we are going to ask her you know what I mean we were busy preparing for her wedding and all so we have to track her down and she is in some island in thailand there's no flight


, so I I don't know how she pulled strings with her friends and all that, and come back just in time before we buried him think that's, the saddest since birth I cannot believe that I actually cried now clara clara you go ahead


, I guess for my case it's something that you don't expect lah because we just


ya, you I just we had a celebration we had weeks of preparation buying the clothes and all that and then you know the day the last day before everybody


go back he hug my uncle for so long until my uncle wonder why is he hugging me for so long, and that was the last hug and then you know I didn't manage to talk to him uh to me the the fact that I feel sad it's because


firstly it was sudden it I didn't expect it at all secondly I feel that , I want to spend more time with him but I I couldn't, and and it's something that I really didn't expect everybody expect my mom


to go because my mum is unwell my dad is always the one wheeling her around in her wheelchair feeding her you know and you know she has spine problem she has severe she has all sorts of illness so when my instead of my mum that goes my dad even they are confused who pass away initially


so when uh my mom when my dad passed away instead of my mom everybody was like you know, too too unbelievable because it's like eh we just saw him he was fine he was this he was, that and the next thing you know everybody just came back and they have we haven't even rest yet and next thing everybody come back for his funeral and my sister


it's the worst for her lah because it's during her honeymoon and she just got married so every time during her anniversary she will remember this uh, might you know for for us right for muslim uh the daughters are the father's obligation so once a daughter is married to a uh once the daughter is married that means father's obligation is passed onto the husband so my dad said finally I


uh, my uh responsibility to my youngest daughter is done so it's like as if she's he's waiting for his responsibility to finish pass on and then he also move on , so he still the last day he still cook for my mom the porridge is still on the stove you know when he pass on he shower he then he sleep he die in his sleep


so that is I get I, !wah! I just talking about it just saying it uh brought tears to my eyes man I already thought I'm over it it's so many years ago and yet I still feel sad


, okay what disgust you


correct that's true,


oh my god ya, ,


because I think the call center is already diverted to other countries ah it's not from singapore


ya, they have ya true , and this the the disgusting part is when you tell your problem uh because they are outsourced they don't understand what you are going through sometimes I do have technical issue with my phone or my laptop so when I when I call the technical line uh


then when it's outsourced they have no idea what you are talking about or what I'm talking about and have no idea what they are talking about was thinking are they trained in the first place if they want to outsource and this the thing is this outsourcing is usually done by big companies


, ya and like what you say is true to get them to to get somebody to answer and pick up the call I've timed it before it at least thirty minutes


I don't,


oh okay, ya, uh, by the time thirty minutes has come I have already get so upset that I will they will I will attack them lah


so I can't help it because it's so long and this is not the first time this is as many times so now I don't call anymore but remember those days when I do call and by the time that there was somebody answer I got so pissed off already because I


I waited so long and then, that's even worse ya true true ya, call call you so long he asked to do ya then I will ask for the name uh then record the time then ask for the manager because you know it's really really horrible just just waiting you know


ya I remember those those days lah when I do that I I'm not sure now whether it's still thirty minutes because I actually time it I mean from the phone you can see how long I've been, ya


!wow!, , actually I tried calling midnight also it's the same, yes yes because during office hour it's even longer so there was times when I tried calling midnight or late at night like eleven plus because my assumption is nobody call or nobody's or everybody sleeping so I'm wrong it so no I guess the people are sleeping as


was also sleeping I think ya


true, ya I understand that that that part lah cause it's really really and then you will divert from one to another you will be like a tennis ball, jump from one person uh hang on pass to another person then hang on pass to another person have you encountered that before !wow! that really made my heart boil made me my blood pressure go up but I'm I can't hang up because I have already hang on for so long if I'm going to hang up


ya, true and my problem is not solved so that's why, throughout the whole journey I'll be already fuming already even though sometimes they are nice lah sometimes they you know it's actually ya it's actually the waiting of the whole thing it's really bad but right now maybe they have improved I'm not sure


, by that time, ya that's


!aduh! eh that's terrible they should improve


true, ya


positive experiences part two


positive feelings


okay a moment when things turn out better than expected easily my O-level exam, I totally didn't study at all terra the whole four years of my life , didn't study at all not well not well


but I manage to go to college and I got I got number one in class that was really amazing I don't know how on earth that happens probably what the paper got switch or something


ah ya , no it was really really accidental seriously because I when I when I go to to collect my O-level result I was like preparing to cry but when I when I when the moment I enter the compound right the the teacher stare at me like what


I was thinking they are staring at me because they pity me, ya poor thing ah this girl Habis lah you know so I was like because we have to we have to line up at the canteen, I remember was like so scared you know you know you have to collect the result I think at two PM


you know you can't sleep the whole night and then from morning you get up it's just your heart just stop can't stop beating very fast and then you enter the school compound the teachers stare at you like that you were thinking oh shit man that's it gone I have to repeat, and then the minute the result came out


and when I remember when I first got the, the slip right was like ah seriously I managed to go college I mean should go anderson junior college some more, was like seriously and no wonder the teachers stare at me they probably think how on earth you make it and they congratulated me everybody ya so I think that was really the best the the the the best lah because you don't study and I didn't study and I made it


so that is my experience, you there ya, yes definitely


that one you talk later later later , yes yes yes true true don't remember that at all


!wow!


!wow!, snow bites, !wow!


it's okay go ahead go on and on and on I can listen you know what I the whole ya the whole day yesterday I watch rust valley


uh in netflix you should watch because rust valley is, it's actually rust valley it's actually restoring old uh vehicle, classic vehicle so what I liked about the show is it shows the the all the nice spot I mean it shows the background which is in canada so throughout the


whole day yesterday I was like watching hillary's whatsapp also I ignore sorry hillary , cause I was like I was so amazed how the place is so beautiful so nice and I just love watching the classic cars being restored


and I was just talking to my husband yesterday let's go to canada it looks so beautiful with the lakes with the pine trees with the people it's so beautiful and buy that classic cars it's so cheap and so nice, ya so yesterday I ah you know how many season I watch [orh] all the three season finish in a day ah crazy supposed to do


REs, ya rust valley restorer restore something lah, something in netflix ya that's in canada and I was like so amazed so beautiful so nice I can't imagine okay my most my most uh memorable travel experience will be going


snorkelling in the great barrier reef because , my husband love the beach so much ish actually when I was uh young right I don't really like the beach because you know lah very vain ah don't want to be dark and all that so when I when I


then he actually change my attitude towards uh beach holidays then now I just want to go to the beach so all along I have been snorkeling in malaysia, uh malaysia beach so snorkelling in malaysia beach so I assume when I snorkel in great barrier reef it will be the same


so I was so , so so shocked that it's totally different because when you see the when you say by the beach snorkelling in malaysia it's like, you know it's about two hundred metres from the beach and then that's the snorkelling spot but when you talk about great barrier reef snorkelling experience right it's like how many kilometers from the beach


that's where you snorkel so obviously my geography is really bad lah so I didn't expect it to be like that so the first time I jump in the water I assume I will jump in the water just like I jump in malaysia beach and you know my I was, so shocked firstly it's really deep


and secondly there are sharks all around so when they say sharks all around I thought they were kidding ah, I was thinking cannot be sharks lah just by the beach what right oh my god you know when I jump into the water then I can see the turtle can see all the beautiful corals it's I feel like I'm falling down because the reef are so high I think it's about


eleven storey high or probably twenty storey high so it's like whenever you snorkel it's like as if you're you are falling down because of the height when you snorkel there reef then suddenly it's totally empty and then next thing you see sharks can you imagine, at that point in time I don't know how to swim already I want to run but because I can't run


I just freeze basically it was amazing because the it those are all friendly sharks ah they don't eat people or they don't bite but it was so amazing, everything seems to be uh triple or you know four times or five times uh bigger than the usual snorkelling dive that I did in malaysia so that is my most memorable travel experience lah


in and then, ya and then you know what there was a time when we because my husband study there study in australia so he said let's drive around so you know there was one time uh when we when we drive from


brisbane to cairns that's I think how many hours ah it's probably twelve hours' drive, and he forgot, turn to, top up the petrol and ya we are in winter I think going to be winter


and we are in the middle of sugar plantation high sugar plantation sugarcane you just imagine lah scary movie ghost ghost movie so it's like total darkness and the car just stop can you just imagine


total darkness lor no lights you know how it is in the highway it was so scary and was so cold then suddenly there was a police car that stop by and ask what's wrong and see lah there's no petrol and police car


, say okay let's buy petrol and then I I was I I went with the police ah because I definitely don't want to stay in the car so scared and then now after so many years right after twenty years after ten years can't quite remember when lah I when I think back just imagine lah if the one that stop is not police car


we didn't check can you just imagine ya when, they were in uniform they were in a police car but you know


you know those people right can be anybody uh imposing uh I mean you know what I mean was thinking how crazy are we man so from then and from that experience ah every time check petrol one must top up, wherever we go malaysia or what every nation but that was


really my most memorable experience then after that go and dive with a shark lah ya that was in australia


, [orh]


ah such a waste try lah


, that's cheating that's cheating , , ,