(ppc) ya uh actually , actually uh , last week I went to uh because my my bookshelf ah, a bit a bit Kong uh I mean old already lah keen to replace ah so uh I I buy the bookshelf from this lady in the shop lah since we were talking about children's children uh nowaday ah


you know children nowaday they they study they are quite stressed right, actually the stress ah is, is from the parent you know, (ppc) some parent they purposely sell the house and go and apply a very good school for the kids right


then, ask the children uh, learn piano learn this learn that, also must study tuition, so I think, it's a real thing you know a lot of nowaday a lot of children some they even went into depression eh


do you heard about this or not, kids ah kid so young !huh! normal ah so extreme ah during our time right during our time we when we fail exam we just


then automatically we will just promote to uh the next level right but nowaday if the kids they they flunk their exam, I think they cannot cannot face, face the society ah, so they they are very stressful right


is it true ah, no I mean as a teacher you what do you think, vivian


ya so uh ya, children a lot a lot of young children, today face this type of problem ah, because even my care group ah ya


(ppc) because my care group care group member they also share lah, their kids also , went to challenges like this ah, so as a parent ah not easy ah


survive on their own


eh eh eh sarah the thing went out again so, I press press record ah, the apps came out again


my I think my phone ya


I think uh , I think some people they are they're more ya, (ppc) I think people are worried about their job lah


and their their daily expenses if they're out of job where to where to get their money, to feed the family all these ah, because I have some friend they are Grab driver


so you know Grab driver also affected by this scenario, the income all are drop, how's to make a a a living ya, uh not only singapore lah ya that's right


family bonding which they some they when they sometime don't have this so turn out to be uh in a positive way lah


uh let's ya just pray that the vaccine will come ah


ya the the state ah ya they are adjusting ah


too angry to watch so far , so far don't have [orh]


do you have phobia how do you overcome them


(ppc) [orh] no uh I think is for those workaholic ah , those who cannot stay at home they they they cannot take it lah


[orh] get get out from the house ah, uh sarah uh ya sarah just let you know ah the apps ah mine keep going out coming in going out coming in [orh]


ah ya ya ya ya


it's actually a world war three , that's why I I I supposed to go korea, ya, I not sure ah I think this politic ah


ya because I'm supposed to plan a trip to korea, I cannot go


positive experience in our life


ya my new zealand trip


uh I was there about two weeks, driving down from christchurch, to franz josef alps, all the way to queenstown, queenstown you know queenstown, ya then after that


and then I pass through alps door until uh , a place call Te #te anau#, take the boat went to the waterfall, from there backup (ppc) everywhere you go is a


a lot of uh park ah, we just drop by a lot of scenery and a lot of thing to watch ah, very relaxing kind of place ah, so have you been to there before, uh they were saying uh if you are L driver you just pass your driving you can drive there already


(ppc) you you know what it mean , it meaning that uh they they have a lot of speed, restriction ah , so every time you drive, you will have to take note of the speed limit lah


and there were a lot of traffic police, standby to catch the catch you uh in a speed ah, uh summer ya correct


it's after spring lah I should say is spring ah, because new zealand the the, the season is a bit different from uh, from normal climate country ah, but one thing to note ah ah that one later I share with uh share inside the negative experience ah


uh uh because uh, new zealand their custom you know the custom got certain funny restriction right, whereby you uh , (ppc) you are not allowed to bring outside


fruits ah let's say a apple or ya a a pear or orange you know you know how much they will fine you


no I bought in I before we the trip actually uh we already do some research, then we know that, new zealand have this uh restriction about bringing outside, outside uh fruits ah or any kind of veggie or what lah


so I tell I already told, my friend, do not bring anything from outside the bag better check, so that morning I think my friend the wife ah he put a apple inside the, the bag ah, I think uh he rush ah forget to to eat the apple or what ah


so during the custom her apple then we under the custom because he had to declare mah, you have to declare to the custom officer you have nothing inside your bag, after it touch down lah, then you got to fill in the form then they'll ask you, question


once you the question, you already answered right you go through another checkpoint ah the officer will come and check you already, check check check found one apple inside her bag ah, so there's no


no negotiation one you know, four hundred new zealand dollar, it's coming about five hundred sing ah, so be careful ah


ah yes it's still ah ya, still good so what about you do you have uh, good travel experience


[orh] [orh] Hokkaido only one trip, but the the trip was a very ya ya Hokkaido is driving is quite , quite uh how to say ah quite okay lah, but I think that time I went in the summer


I because I went ya, I think a special tyre right


but I also I also thanks god lah because ya because my Hokkaido trip I also very sick ah that time I think I got heatstroke ah now I realised it's heatstroke, then the, because I didn't ah very hot


you ask vivian ah , vivian know about it ah, ask him , ya I managed to recover from there ah


so not, ya lah but but the experience was bad lah


ah israel uh went with the church ah, in twenty fourteen ah, but uh actually you you you you should you should try to go israel, one of day one of the day ah, !wah! went israel already twice already


ya one day you must go, it's very how to say ah, you go there you know lah you go to the dead sea you go to the uh certain place in the bible ah then all will become alive ah


I I think you need to be there yourself ah


ah


ya switzerland is a very safe place, (ppc) when uh in the eighties ah when I went there I really find it, very safe place and very uh civilised society ah, the people there are very, ah ya


(ppc) the thing are expensive but the standard uh the living standard there is like that lah, the people there are very, friendly and kind ah, and even can live your you know


I keep tapping now okay ah


positive experience, no I think uh, do you have to share something to share


ah ya actually I I quite grateful because (ppc) ya because this year right before before the COVID nineteen happened, uh at least managed to went to thailand uh #khao yai# one of the place #khao yai#, have a short trip ah after the chinese new year remember


it was awesome ah I never regret lah, ha ya okay, ya but we we put uh put on our masks, with some with some


fear lah but then we god we just trust god lor, because the place that we we went to is away far away from Bangkok mah, is like uh those farm farm tourists place ah, farm stay kind of place lah


there got sunflower all this, uh I think it is built for the tourists ah, mostly tourists will go there ah


so I I quite grateful about this ah, now I don't know when will be our next trip ah


ya because now my my brother in law he's still stuck in indonesia ya haven't come back ah, uh there for almost three month already, (ppc) come back I think it because the business still running


uh come back but the the factory still running, so he need to Jaga the factory there right


ya all thing ya all thing work out for good lah


uh no swim ah sometime I go to the, park to walk lah, but because I as as you know lah because work shift ah so I need rest to catch up lah because uh recently just shift office ah, so I'll be now I'm working at as uh


the expo ah no nearby expo is downtown lines, downtown line ah, I'll be there for twelve month, no have to drive ah I drive because uh actually they they only certain day can allow us to claim taxi ah but this one still haven't settled properly lah so


I still drive ah, ah ya ya this one no ah this one still have, ah


!wah! but you travel there twenty, twenty over station eh, sorry sorry ah


, sorry about that I go and tap , so uh, ya lah still adjusting ah


adjusting the new new workplace ah, but uh climb up climb down lah uh three basement lah so you have to, climb up and down walk a lot of stair, it's like a lot of walking [orh]


no the lift also very far, but anyway it ya just walk lah a a lot of walking ah nowaday, no doubt I drive lah but


my line still there but the circle line you notice it is not a complete circle line now still three more station before it become a circle line, you look at the map right you go and check ya, once the three station join up it will be a complete circle line


you ya


uh ya now because the whole, we have to think positive especially during this period


uh life have to go on, hopefully by end of the year ya, grateful lah, we have a job ya we are healthy, have a job


(ppc) ya lah actually I I have think over this thing ah, ya because uh god is good lah I mean , ten years ago when I out of job why god bless me uh


a shift working shift job not normal work hour I question job you know I question god you know, , and I question god why like that (ppc) but I know lah because, uh


I cannot share in in in in this conversation lah but I see god like you say lah god's who paint [orh], why people !aiya!, will not work normal working hour lah at my office but, it's not a very err certain


certain thing uh ya, (ppc) many time lah I I ask for normal working hour but, it never turn out lah but I still waiting ah


but I know this this, job is for god lah like you say lor, that at this challenging time right we still have a job, and we are healthy ya


mean healthy then you can do a job good job right, no don't sleep lah resting lah how to sleep, then at least today uh today I I still can do survey


so uh quite happy already ya


we we we we didn't expect it to be like that right, means no worries it's slow down


uh with the global warming right so the environment the air more clean more healthy right, because the earth uh our earth like pastor say is already sick ah so I think it need to to recover it ah


just like human also we need to recover right so think of the positive side lah


what make you want to be alive


(ppc) biggest reward ah, what's that uh pastor say lor, tithing, not the not uh I mean , usual tithing is every month you tithe right, but then uh


for example you do uh some investment, ya good good return, just tithe tithe some percentage and then you see god always uh bless you, ya in in term of not in term of money you know


like bless you with good health bless you with, other thing, like you you so seek to other people the harvest will come back to you lor


financial related topic, do you have a saving account estella, do you want to share


yes I also have, do you want to share your experience and the detail of your account, for mine is a saving account joint account and also uh children account


okay do you have a credit or debit card, okay you where do you use


alright I use it more often when I travel and also of course my uh shopping during shopping here number question number, three is some may argue that bank's interest rate are unattractive whereas others may feel that their money is safe and accessible


in banks in light of this would you have saved your money in the bank or invest elsewhere


okay what is your, for me I save in a bank I still find bank is the safer place to save my money because I'm not a risk taker, okay what is your experience of getting a loan as example home


car student loan an extra from the bank uh so share the details


same I also take up car loans, so do you think that couples yes yes, I see for car loans for car loans uh first we will decide which model to get and what is our plan whether to uh pay installment in the in seven months ten months or so we did do a calculation and of course we will source for the cheapest rate


cheapest interest rate what we do is the we just uh visit the car dealer, I mean car agent lah they will do up everything for us


anymore other loan beside car loans for me is housing loan, but the housing loan, we oh sorry I don't get it from a bank I get it from CPF (uh huh) HDB bought sorry, so for me is only car loan


what about yourself, okay so we move on to another question do you think couple should combine their finances and open a joint account


for me the same also we use as a working account like monthly bills payment and some of the expenses the children might uh need us to transfer money as a rent because right now is in the trend lah they using PayLah PayNow


all all the all the, uh convenience for them okay so we're we are now on question six, at what age should a child be given an ATM card to manage their own bank account if your child has a bank account share your experience and the


okay for my son he started to request ATM card at the age of thirteen, so I always keep a minimal amount into his account so that he can do his transport top up, and some weekly allowance


so basically is a joint account


beside this there's no any no other bank charges lah because they are below the age of eighteen so we don't have to keep a saving amount a fix saving amount like for maintenance monthly five hundred dollars so, to me is I make use of this benefit


so for cashback points amounts which type of credit cards do you think people should be using


I prefer cashback because I can uh enjoy the immediate, uh discount and benefit, for points amounts I need to do redemption so, sometimes those, uh things in the catalogue ah may not be useful, to me so I still prefer a cashback


so I can use it to offset the bills, immediately like what you just uh mentioned lah, what is your experience of purchasing insurance product


I'm also a frequent traveler so I will just buy insurance and I compare the premiums the the rates so, easily to get offer and discount at the website, so very simple and quick, same thing for me, uh do you have a high new bank account of fixed deposit


same here for me I put everything in saving account because I don't have a fixed deposit for me is uh, we we we have other plan ah, that's why I don't want to fix the amount in the bank, so these are the


my question that we have done so far


we can't just go on to another topic right


sorry to say that I don't have retirement plan because I'm a housewife not working


for me I'm not a risk taker so basically all the money is from a saving account uh the retire plan, cause there's a certain amount you have to set aside for me I'm not uh working for about, twenty over years so, I also don't know waiting for next year


next year the, they will send us the gifted things like that, cause I live in a everything is decided by my husband


buying a house it is more practical to me, they start saving now, you know


and also


for me is go through all the grant lah whatever grant they can take out just take out that they can help them to save a lot


that's right and also uh before they apply the house they could stay with the parents first for two three years have have some, first payment lah they save the first payment and they will start to go ahead to apply whatever, whatever condition they can make it lor basically they have to meet the requirement


eh all the question here you see from the screen, oh I'm I'm in the different slide


you know, ah different slide I don't see the question, uh for me it's uh still it is still, in the chat bots now I'm seeing, oh I'm now I'm seeing I'm seeing the the question still at the financial related topic regards the saving account those question


basically we don't go out so often because locked down ah we stay at home that save a lot because what I do is like weekly marketing most of the meals we don't eat out we cook on our own, and we don't go out so we don't start to we don't buy new clothings and spend on


uh those err not in not the needs uh basically we spend on the needs first which is our meals our three meals the rest are non-essential I don't spend so that already helped save a lot


ya agree to that he has same here for me


do you want to answer to that


I only think of passive income, you you might have some uh saving some investments somewhere in order to accumulate the so-called the the fund before before you have early, retirement


so some people they they, invest in property, that makes a lot or some even play share for those, working class uh middle income I don't think, I don't think they can afford to retire


it so we never it never struck our mind to have early retirement uh just work as long as we are healthy enough to go on we'll just work and work


don't spend uh future money uh like like uh whatever you have, you have to set apart, twenty per cent for saving the rest is cater to your needs come first , don't spend unnecessarily


don't go in debts, and you don't borrow also, think yes because it's very convenient as long you know how to discipline yourself and you you know what you are not to spend and what to spend it's quite safe to convenient to have a credit card


yes so that we don't have to carry so much cash


you have to healthy [loh] healthy you have prepare yourself to exercise, do a lot of exercise and also, you must be uh, comfortable lah, that means all the loans housing loan all the car loan you already settle


so you can have your own timing to plan what you want to do if you have a lots of commitment


most of the singaporean owns a house paid by CPF, is a is a good saving you are forced to save


also they are given MediSave, the health coverage, uh I think is very good plan


yes agree to that, I'm not a spendthrift person lah so I'm happy and contented what am I now


my now stage ah because my eldest already completed her her uni study her university so most of the time we spend on the basic meal ah the three meals that we spend


and other than that, uh I I don't give, to my parents or my sibling occasionally for gifts like birthday wedding gift things like that, and also for friends lah when there's a birthday treat that I need to spend I will just spend happily generous


till she already, oh one more minute ah


percent of the salary will go to insurance, and then uh ten percent, will go for saving, another ten percent tithing so the rest will be our monthly


you have any view I don't


negative, negative experiences, okay recall a situation when you were forced to change your plan against your will


ya for me I did use this sentence change of plan change my plans against my will because we already book the the package uh book, ticket free and easy to taiwan so I call SQ to explain that I would like to cancel my flight and request for a full refund because this is a global issue global issue but SQ refused lah then later on through and forth to the


call and also provide them some document like my friend is working in the front line a medical team they are not allowed to travel for six month so with all the documents I appeal again so this time, around they ask, me to top up


the latest uh, flight fare instead of uh getting my full refund so I did accordingly to the instruction, so at the end we are not happen not not happy with it because it getting worse eh because it it actually uh pandemic case already so our MP also advise us to cancel all the non-essential trip so what I do is again I keep calling so I make


about six calls finally they agree to refund, to refund my ticket so that's a good news at the end, so this is the time that I really really forced to change my plan against my view because we wanted to go for re-trip ah long time ago and this trip we planned for


in fact we planned to go about, twenty years believe us or not because all our children were so young and at the time we couldn't travel together so we waited for our children to grown up so happen this is the year we plan and it didn't work out


so describe the moment when you feel like the world is against you


okay now I recall because I was very angry I wanted to continue my study


after my O level but I didn't get in, JC and uh poly either because I fail my math, so and my parents say that they are old already they wanted me to go out to work so at the age of seventeen ah I have to start to work at the young age you know so I during that time ah I feel that the world is against me so I just step by step moving along


, it is a it's it's a good lah anyway is a good feeling now because, no no harm to to gain experience early, and the at the age of seventeen, so I can make use of all those experience that I walk past uh I walk through ah to advise my my children now


so describe a time when you were heartbroken


so for me is I break off with my first boyfriend ah it was very painful, and every morning when I open my eyes, his image is in my, in my mind so, that was long time ago I have overcome and now I have a happy family


that's it, describe a time when you were looked down by your friends or relatives, same for me I don't have this I have nice friends and, good relatives thank god describe a time which you felt betrayed


if you are going to die tomorrow what are your last words to your loved one


seek his kingdom and righteousness all thing will be added to you I think I will give them this verse, that's it I'll give them this verse, actually I never thought of it you know, I I never thought of what is my last


uh I will ask them to stay strong, and be healthful be healthy be healthful, describe a time when you felt like giving up


I'm given away to relative ah, in another word foster out, out so I'm, quite upset when I came to know about it, and I'm not happy during my teenage I felt like giving up, but thank god I did not


so what are the injustice of the world that make you angry, eh describe a time when you felt like giving up


that one we already cover right so what are the injustice of the world that make you angry


what is your most uh, what is your most embarrassed embarrassing moment, the next question what is your most embarrassing moment


I'm I was in the changing room trying out new clothes, uh my son ah suddenly open up the door and rushed out I I I of course I scream ah I call him back and locked the door because, I have to keep him beside me he's at the age of three when I I have to try new clothes in the changing room


ya thankfully no one inside the car eh so coincident ah how how can the car be open without, the key the I think the ya strange ah


strange uh strange encounter, ya strange encounter, so uh describe a moment that you felt that you were treated unfairly


ya I have the same feeling it those here that I work in a bank there's one incident I were treated unfairly also it's not my mistake ah basically is my colleagues who did the mistake but it just a push you know push the mistake to me and and I, I have just to admit lah because


my boss is very quick temper and he has no patience to listen to explanation so what I did is maybe I'm quite young at that that time I just keep quiet [loh], just take it just take it but now I think I will fight back you know


if if I'm being treated unfairly I will speak up more for myself


what dreams of yours dies a little with each passing day


myself my mum always say that uh if you can uh buy landed property by studying hard


so what we do is we really study hard and, and and it's really can't afford to buy a landed property so to me uh this dream dies little each day passing by it's not easy to get a landed property at now stage the prices of the, uh the


the house is not that everyone can achieve lah so this dream of mine, die a little, okay with each passing day describe a, a time, when you feel awful after helping someone


okay okay there was once we are in a MRT station and we saw this lady ah we thought she's pregnant you know so we offer our help and give up our seat we want to help her to carry all her heavy stuff and she said that


sorry I'm not pregnant lah I just having a big tummy, so I feel awful ah ya I feel I feel very awful now I recall


oh we we we just covered the, err same question I think so because the other the next question is describe the embarrassing moment that make you cringe, do you have such a moment, uh


okay so you have any experience on this, so uh what keeps you awake at


normally is like uh I have nightmare after that I woke up from the nightmare lah then the whole night I awake weird already I cannot back into sleep because I'm a light sleeper, and, and sometimes I do get up in the night to go to the washroom after that I want to back to sleep also couldn't that that's made me awake at night


night other than that uh if I can't, get into my sleep I will just go and read lah I'll just spend some time to read, or I watch TV programme, and make myself tired


uh not for me no effect at all, , maybe drink a cup of warm water or warm milk also no effect on me, so I just uh, ya just just force myself to read until maybe I hate to study when I see books I feel sleepy again


oh ya that's how I keep myself, that's that's what happened lah that I, I keep myself awake at night, if I have those encounter, so we have finished all the question already


same for me I choose to forget [ah]


positive experiences, time when you were were helped by someone in your time of need


so uh that was when my husband was retrenched my sibling give us financial support and also a lot of love and cares I would like to thank them after so many years, so I still what I do is I pay back you know I pay back what they have given us


the amount of money, what about estella


what was the best meal you have


what's uh what's the name of the restaurant do you still remember, well not sure still there now I don't think so right may not be there ha uh so my best meal is my brother


he cooked for my boyfriend who is my present husband so it's a home-cooked meal it tastes good and we we spend a, wonderful time, very tasty I still remember until now, and one more meal that my husband give me a treat to ate off


the bay, so is something like a wine you know, a little, how should I put it it's a fusion food also so the decoration was so beautiful the, food was so tasty, but it's at Kallang airport, no no Kallang airport


at #kallang3 stadium I think but no longer there already but until now ah, my daughters still remember the place so that that was the


that's nice myself ah, I sponsor Genting trip, to a friend's family as a surprise gift so this friend of mine they are from a humble family she has a child she has two children so the children have not uh been to Genting


and also they have not take any coach before so what I did is because that time ah you know the tickets for Tiger Air so cheap, we can get around eighty to hundred dollars sometime even go down to like twenty plus for two way so I managed to get the ticket at seventy five dollars if I still remember so so so I I'm I buy four pieces I'm


buy four tickets you know so I sponsor the hotel stay, and bring them to theme park and enjoy the weather in Genting also we have a very nice meals lah because all the restaurant there are quite quite good also that that is the surprise gift and my girlfriend feel so touched and the children of course still remember until now we still contact each other


that's the best that's the best gift that I have given to them, okay describe a time when you can't wait to attend a, special event or concert


cannot remember sorry no, so describe a time when you laughed too hard I cannot remember too do you have a, time that you laugh too hard


okay now I recall I think my son made me laugh too hard, go what he did is hide in the toilet hide in the washroom he painted himself with the shoe white, his he described himself as a statue that's the time I laughed very hard and also he hide himself in the fridge you know thankfully the fridge


door was not closed was not tightly closed and my daughter, saw it so we have a good laugh after that of course but, it could be ended a a very it can be a tragedy tragic if we didn't know that he's inside the


the the fridge ya, so describe a time when you look when you took a risk and was rewarded with


I mentioned I'm not a risk taker so I don't think I'll do that, I don't even dare to take the roller coaster


bringing up children ah make me persevere because sometimes I I do recalls there was once, two of them are down with foot mouth disease, and especially when my husband was out of job so I have to be very patience you know and I always


positive thinking and move on of course I do a lot of prayer lah I thank god as well, uh so, I grew together as my uh with my children, in fact I learned from them, learn to be patient and I need a lot of wisdom when taking care of them


so persevere , like like when my husband is out of job uh we need to persevere because without boosting our hope we know that the restoration will be great, that that's how, I persevere and now I look back right all things all the plans all the things turned around for good


thank god, so in the post-COVID world who or what, are you really thankful, or appreciate towards, I thanked our government, because for managing our country especially this COVID nineteen pandemic so


well lah all the people all the, singaporean all the nation even the foreign worker they are taken care of so really really thankful to our


uh share a funny inside joke, that you and your group of friends still laugh, about till this day


myself ah I recall one of, my girlfriend she she used to put on makeup every morning inside his boyfriend inside her boyfriend's car so that that usual morning and she went down was in a rush, so after she put on make up she realized that is different driver so we joke her how can you be so blur until now we still laugh about it lah just that guy that that driver so called the stranger


also very mean you know he, kept quiet, and and and just admire her beauty I guess so, so the uh, uh ya there's a the only jokes until now we still make fun of her


uh describe a fond memory you share with your loved one


the same for me ah we bring our children to have travel together yearly is a yearly plan but uh those are my fond memory now they have grown up they are so busy with their activities and also busy with their work so to arrange to travel together uh is quite difficult for us


so those are the fond memory we spend time together explore, the the, place of interest, and, I also spent also ya also spending time with my sibling, my sibling last time, we we we have a family of fourteen [orh] very big family so we stay under the same roof


that's where uh we always fight for food ah, my mum cook then we will fight for food and we also fight for washroom so now waiting over those are really fond memories


is is care group members consider loved one ah, I don't think so eh I I have those fond memories spending time with all our brother and sister in christ, (mmhmm) okay what are, the things that you most look forward


yes looking forward to I would like to travel as well maybe we can travel together, start saving start saving because the COVID ya we don't really took out all the part times so you can start saving now


prepare for next year, talk about a time when you experience personal


ya interesting course you have taken up for me do the I I I did the same ah I make use of the SkillFuture fund I took up like computer legacy and also some cooking skill and I like baking so uh I can't I can't decorate a cake so after taking up of this


course I can explore a lot of thing, my most important experience is like I took up all the computer course and also language problem solving I find very fulfilling that's my personal grow, uh describe a travel experience that you left in awe


how long is the trip uh the hour the flight our


ya so a long journey


okay that's good that's good for you uh last year I'm very blessed because I've been to a few places I went to UK paris, and also uh cape town, so is really a travel experience for me because I don't like long


distance flight uh so I don't ya I don't like but when I reached there, I'm in awe because I enjoy all the scenery especially cape town you know because I used to think africa is very rundown and also poor country but this an open eye eye open for me because uh


uh cape town is so beautiful and the food, are very delicious we can try all different, different type of food, different range of food also very easily travel around and very convenient there are so many convenience store around the apartment that we stay so like to share this experience with you maybe one day you can visit


cape town as well err, okay so what was the biggest reward you had ever received after doing an awesome


uh again I sponsor another boy lah because he he was very weak in his, maths, so I ah since my son is going to have the tuition at the same time what I do is I invite him to come along and I I don't need him to pay


because I'll pay the full fees he share with my son so at the end result he passed his math, during his PSLE so the mother was overjoyed and and very thankful for what we have done, so this makes me feel very good very happy about it because


uh to to help them, in a small deed and see a great achievement in his result ah as I feel very contented


describe an experience, [ah], yes


uh I have a joint account and individual savings account and also a, fixed deposit account


I find credit card err very convenient uh but I also feel that it's a bit risky because if I drop the cards somebody else can use it


uh for me I will still prefer to keep my money in the bank because I feel that our MAS actually protects our uh money, up to seventy five thousand dollars per deposit uh per account so uh I still feel safe about it


uh the only loan that I have taken is uh car loan uh when I bought my car, , and I think I took it for seven years and I have to pay , the loan uh monthly how about you


or need to elaborate


I also took uh student loan for my son when he study university so uh this will help to to , finance the the, study uh and also the fees , uh during his university


uh I don't have any other loans, uh I think so because it's good to have a joint account for both husband and wife so that they can use this account to fund


uh household expenses uh purchases uh or even pay for house loan or insurance


for my children I start to give them ATM card when they reach secondary one , because ah this is very convenient uh I can actually transfer the weekly allowance into their banks and they can withdraw from the ATM machine anytime


I think with so many ATM around uh singapore uh this is essential uh, and very convenient for uh our children too


uh I think the very popular one is uh, to ah yes is cashback because , uh when we get cashback from our credit card purchases it actually help to reduce


our bill payment and also offset future purchases, and , I feel that for the mileage ah it may not be so useful to everybody especially if they don't travel


actually I don't really purchase uh insurance from the bank the only thing that I can think of is the travel insurance because they provide, good premium rates and it's very convenient we can even buy online from our


when we login to our bank account


uh I do have a fixed deposit but I find that the interest rate has been dropping and is no longer attractive so what I do is that I'll just keep uh a minimum amount , within a short period of say one year and uh most of my savings I actually put in the savings account


so can we proceed


how how much time do we have, how do you invest your money to accumulate wealth, or planning for your retirement


okay uh for myself I do buy some shares so , , uh I I actually, invest in shares more like savings because after I, buy I'll just leave it there and then after a period of time uh when I heard that the share prices go up sometimes I will just sell them so that I can uh


take back my profit, and then for retirement plan I think I have to rely on my CPF


ya, okay next question what strategies would you recommend to someone planning for their big ticket expenditures that is starting a family buying a car or house


what strategies would you recommend, ya I think you have to put aside a certain percentage of your salary maybe twenty or thirty percent each month so that you can accumulate


the uh the the sum of savings, and uh of course with the CPF part, hopefully you know you, uh can start to pay the down payment for the HDB flat uh and then I think there's also


it it will be good if both both the parties uh the couple are both working rather than uh one person working and the other is not then you they'll be problem trying to pay up the loan


oh ya so one of them is actually proximity to the parents if you can find a place near the parents you may be you will be able to get the proximity grant


yes I can see from the screen, I read to you how do you manage your financial commitments before and after marriage


eh the uh the question disappear already , never mind I just read you see if you answer


okay in a post-COVID world what changes are you making in terms of your spending or savings habits


I think we actually save a lot from not traveling also because singaporeans like to travel you know make one or two travels per year and if you go as a family it can cost up to, maybe even ten thousand dollars so I think is a very big saving


uh during this post uh during the COVID time that we you know uh we cannot travel, what do you think of, FIRE


financial independence retire early how can one achieve financial independence, uh I I have not very sure about this, the FIRE stands for financial independence retire early


I think to , to retire early you have to work very hard when you're young and you have to accumulate wealth uh uh not only through working but you have to do some investment


ya it because our retirement age is getting uh, longer, and longer ya, yes, is increasing in age


okay what advice would you give to someone to get him or her out of debt


ya uh I also feel that we should not, spend too much on credit card because when when you make a lot of purchases and at the end of the month you cannot pay up, the you know the credit card then you will be in trouble


so try to ah use cash to pay or a debit card rather than a credit card, do you think one should own a credit card


yes I think for especially if you travel overseas a credit card is is necessary


what advice would you give to someone in order to retire comfortably


what are your thoughts on CPF contribution, correct is compulsory yes


so we are forced to save, uh to pay for our house, uh loan uh or even, investments or or any other things that we need


ya yes especially the MediSave because uh we don't have to uh pay, the full sum we can actually use certain part of the MediSave uh to help us pay for our hospital bills


how do you spend your money which expenditure is justified and what have you been spending too much on


I also spend most of my money on food and household items, so , occasionally I'll go shopping or uh have meals with friends uh to catch up, so uh I think, I will try not to spend too much on buying clothes uh or fashion


products, because I think that, with this post COVID period , we actually don't need so so many clothes you know clothings bags or shoes uh to spend on


one more minute how do you manage your cash flow how much of your income is allocated to savings expenses and, insurance or investment


should I DIY or get a financial adviser to plan my finances, uh for me I do I DIY ah I don't uh I don't think I need a financial adviser unless I have a lot of money you know and uh and I I want to do an investment if not uh I think I'll just


so are there any more questions


actually I don't have any more questions already


uh I don't have the question can you ask the question


oh, okay I remember just before the uh COVID, uh I actually wanted to


book a tour, uh to eastern europe with my friend, but uh, later on because of the COVID situation we have to change our plan, uh and uh, not book but


now I look back I think that uh is also a blessing in disguise because if we have, book and deposit uh given the deposit for the tour then we we may have uh problem you know trying to get back our deposit uh or even


because I heard that some tour agent they even, ask you to you know just uh leave the money the deposit behind and then you have to book with them another tour within the next one year or so so I think is actually a blessing disguise that I


uh have to, cancel the trip although a bit disappointed but I think uh in the end is something good uh that comes out from from it


yes indeed sometimes our plans may not go according to our will but, it may turn out to be something good in the end so we have to look at the positive side


I think there was one period uh like twenty years ago when I actually, , had work had a some form of depression because uh I was working and then


I took out a course uh, part-time course and I have to study for exams so and also, at that time my children were still very young ya like in, in their primary school so I think I have too many things uh which I cannot cope so I get into a state of depression and at that time I feel that the world is against me because you know


there's this negative mindset and also, you know everything don't seem to go well and , emotionally I'm also , on the negative side, so


but thank thank god that you know I actually look for seek treatment and uh I recovered after seeing uh doctor and taking medication for about six months so uh eventually you know I'm back to myself and


and everything is normal from then on


uh for me is , actually my husband passed away three years ago so that is a very heartbroken time for me uh he has been you for many years, , but I we you know life have to go on and uh we have to like


, we we we have to, that means we have to pick up ourselves and then uh start, living again you know start to have my own schedule and then look forward to


, the future and work for the future, so, I think the passing on of uh of a loved one in a family is actually a very uh sad thing for the family but


really need time to heal and also to , to start life anew again


uh actually I don't have this experience how about you, I cannot I cannot recall too


my last words to my children will be to keep your faith to live well and be healthy how about you


because I think , our , what we want is for our future generation to go on living you know well and and be healthy, so they have to


be independent, because we can never be with them forever so it's important uh that they you know, they strengthen themselves, , and then uh move on on their own


uh as I say because I suffer from depression before so during that period is you know I I have a negative mindset and


uh so, you know the world seems to be against me and I I feel that you know life is quite meaningless, , but I think is important lah to seek help whenever you fall into this situation and not just uh you know keep everything to yourself and then locked yourself in the room but


better get some professional help


uh I think that a lot of things that that are happening in the world now ah are actually man-made in a sense that you know uh, that is not is actually due to human act you see like for example if there's uh strife protests


uh pollution, or even like the burning of forests you know, that creates , this pollution, , I think it's a very irresponsive act uh of human because of


greed, uh and it's very unfair to you know to to the people around you know who suffer because of another, person, irresponsible act


help uh you want to share first


uh that reminds me that you know many years ago there was once when I, uh I actually walk into the wrong car, , ya and the the funny part is that


that that car that I walk into has the same color same make you know is a Nissan car, and I I don't know why is it that I was able to open the door and enter the car you know so when uh thankfully there's nobody inside the car so uh when I realised that it was not my car I I actually open the car door and walk out ya


so it was quite embarrassing lah if let's say you know somebody saw me doing that , ya it's it's quite strange ah because I actually press the remote control


but it, it actually open the other car it is either that or that the owner of the car did not lock the car I'm not very sure, it is quite puzzling to me up to now


I cannot remember, the actual incident but I think there are times when, I am being accused of doing, things that I did not do or or making mistakes that are not made by me so at that time I will feel that is very unfair and


I and I think uh it could have happened during those times when I was working you know the boss would just scold you uh for, for mistakes that you did not commit


yes I think we we need to uh you know rather than suffer in pain we have to voice out you know how we think so that the other person will understand uh and you know and not treat us


oh when I was uh in my primary school I actually always admire those people who dance you know who join the uh chinese dance group, as a CCA


so , I my my regret is that I never, uh take out this uh CCA when I was young so I miss a lot of chances to learn how to dance, so I think this dream is


dying in a sense that I'm getting older and I it is not, it, uh I don't think I can actually pick up a dance anymore, so is like a dream dying how about you


awful after helping somebody ah, I cannot remember how about you


is quite embarrassing right yes, oh yes I I also remember ever offering seats to people who reject me so is a little bit awkward lah in the sense, when when you try to help but people just turn you


you know turn you off yes, or that doesn't make me cringe but that's make me feel awkward yes


uh not really ya, cringe unless you watch some horror movie


oh for me is uh if I drink coffee or tea you know too late, in the evening uh it will really definitely keep me awake then I you know I will have problem trying to sleep


or sometimes is like uh you know err, I do some work that makes me use my brain a lot you know, at keep me very active then I will have problem trying to sleep too


I think listening to the music can also make you sleep better, oh then you'll go to the toilet more often


I think there's one more uh what are some of the hurtful words someone said to you, that you wish to forget, uh unfortunately or fortunately I'm a quite a forgetful person so I think if there is any negative words ah that hurt me uh I will forget about it soon


so it's, it's something good in that sense because uh


many years ago when my husband was very sick I actually received, a lot of help from my church friends and , other friends (ppc) acquaintance even acquaintances so they not only helped me physically but they also spend time uh to visit and also


to, to bring my husband to church because, he was actually on a wheelchair so I actually, am very grateful to all all these help


uh all these years , and , I would like to do the same to, my friends who need help


oh for me ah I remember, I went to this majestic hotel many years ago and they specialize in fusion food and also I remember I had the best homemade soup uh in a restaurant


how about you stephanie, I can't remember but it's in the majestic hotel uh in Outram, ya may not be there already


I think, there was , once when I gave a surprise birthday celebration to a friend uh, by uh treating her to a movie but this movie theater is actually the you know the premier type where they serve food


uh in the cinema uh and they even give you a blanket they give you a menu to to order your food, so it was a very special experience and I think, it my friend appreciated it


!wow! that is very good price


uh I remember two years ago my son and myself uh actually went to the indoor stadium to watch a, circles performance, uh, a live performance and uh it was a very unforgettable experience because uh we get to watch them perform live and we were sitting in the first


few rows, so it was really exciting and uh very enjoyable


so do you have any special event or concert that you have attended


uh I I I don't really remember but I think there was one time when I uh was not well uh and having cough for a long period of time I think it's like more than one month so uh


at that time I I there was one time when I actually, laugh, when I heard a joke but uh it was terrible because uh I really feel my ribs you know the pain you know I can feel pain in my ribs ya it if


so so I think my I must have laughed quite hard you see so I it cause this pain which I still remember now


yes is really dangerous, I can't really remember about this incident how about you


for me is my faith as a christian , I think my faith helps me to , draw strength from god and err, I will persevere


I feel that it you know god is always with me uh and I uh I can do things and draw strength from him


uh I think this COVID pandemic actually , uh teaches us that you know we cannot take things for granted and I'm grateful for the freedom of being able to go out uh as and when I like and also


uh we can get to travel to other countries you know to see the world, so uh, uh we I have to learn to be more grateful uh for what I have


I cannot really remember what are the jokes but then uh I remember what I can remember is that during my school days , because I I was from a girls' school so you know we we tend to have our little


uh what you call it that means, girls jokes you know and then we also, secretly give, our fellow students nicknames, and we'll just talk and laugh about it how about you


thankfully he didn't drive away ah, or she'll be in trouble


uh I think my fond, memory is more with my family you know uh especially when my children were young uh we always bring them to the zoo, or bird park, or it the beach so these are the outings that we enjoy and we treasure


yes because these days uh most families only have two children so you you don't have uh much time to to spend with each other too so I think this is the fun part ah of having a big family


oh for me is to go traveling again and my uh next destination is uh japan and eastern europe so I look forward to visiting these places again


yes we can uh start planning after the, pandemic ends , you


uh for my personal growth is that because uh I stopped working so I actually have time to do , uh self improvement like for example just before the COVID uh I took out a course using the skills uh fund uh to study a computer course on excel spreadsheet so I think that this is


something I like uh and also uh I, I took out a course uh on photo editing, uh and uh video editing so during the COVID uh circuit breaker I actually get to


do my video for all my past travels, and I think that I feel quite fulfilling uh in doing all these


oh last october (ppc), I actually made a trip to croatia uh and I was really uh enjoying, the scenery and also in all of, god's creation you know that


, he can create something so splendid and uh so wonderful


I actually took a flight to Dubai stopover for about, the the flight to Dubai is about six hours then stopover for three hours and then after that I fly another seven hours uh


to , to croatia so total about thirteen hours excluding the stopover, but but, I think is for me is better ah I I prefer to break out the flight rather than uh have a direct flight you know without without rest because I want to actually come out of the plane and walk around you know


and have a break


yes I will love to, uh I don't call it an awesome good deed is just like maybe just helping friends


when they need the when they need help and I think the the experience uh is actually you I feel very , how you call it is like feel very good you know after uh


seeing the person get out of the trouble and then uh showing appreciation , and , it just make me feel good you know uh after after helping my friend how about you


uh I this also reminds me that I I actually gave a a P six uh student free tuition for one year uh before so uh I I think that , because


they can't afford, the tuition fee so uh this is something that I can help the girl you know so that she can pass the PSLE okay can


ah, eh


part one financial related topic, eh


okay , the month from uh, finance uh if you ask me, so far uh actually I don't overspend my


gain the the passive income


okay err shall I turn okay my my turn okay basically I think in instead of uh accumulating wealth right first thing we need to do is to be uh to plan for the


uncertain thing that happen to us first for example we we need to think about insurance first, so first we need to ensure that we've bought our uh self insurance that can protect us then do other things for example we need to buy this medical insurance in case we are sick then our wealth won't be affected


because we need to pay a lot of high bill to hospital so all this bill had to be covered by the insurance first thing we need to think about the insurance to protect us, then second thing we need to think about the this err debt right so of course we don't overspend and also we need to uh think about this err like to over loan beside the housing loan if you buy car buy other high expenses thing then we need to uh get a loan right


so all these we need to think about that to reduce the loan first of course ah, we don't pay everything all the loan in one time first you need to think about we need to pay to ourselves first meaning let's say with let's say our pay is like or just example five thousand per month at least we put certain amount to our bank then after that then we pay the loan or go for to plan for other expenses


for example five thousand maybe we keep uh twenty thousand in a bank do nothing first then another four thousand we plan for other expenses pay the debt, for our entertainment then to our daily expenses and maybe certain parts we keep for investment then maybe we talk about investment now when talk about investment


of course uh stock investment shall be one of the good way of uh investment to to get the to accumulate our wealth but if you need to have a financial knowledge in order to pick a good stock, what I think is easier way is we go for the ETF exchange traded fund this will track all the index uh for the individual uh I mean the the index itself for the for the for the entire uh market


for example if you want to invest on uh exchange traded fund for singapore markets we can go for exchange traded fund for STI ETF so for this we buy one ETF we, we will be uh enter we'll be participate in the total entire singapore market of the thirty so called the big stocks so in the thirty stocks itself we may have this uh we'll have this uh bank stock


which instead of we buy individual bank we can just buy the ETF which we participate in this, now if you think that err china is going to perform you better you can consider to invest ETF on the china market itself so by doing this when china market during growth then we can enjoy the growth of the market as well so this is what we think that we need to have this


err to to gain the knowledge from, uh to from uh start with investment on ETF first now for individual stocks basis we also start with those err not so high risk one for example those uh for singapore especially you go for banks which we can see they pay consistent dividend so it can gain


accumulate our wealth through dividend, then if we can invest bank in good price then we can gain the we can we can enjoy the gain from the I mean we can enjoy the capital gain as well


okay now uh for even for bank itself what we can do instead of we buy one shot what we can do is we can just accumulate maybe every two months or even three months for example what we can do is to accumulate the wealth we maybe we


let's say again for a five thousand dollar if let's say you can save thousand dollar right for investment then you may like for example you may keep for three months and invest you invest once so every three months just buy banks every uh one time so long you know bank I mean you've I mean you have a you have this err


err study on the individual bank then you know this bank very good for example perhaps like singapore big bank is I think will be DBS, UOB and OCBC we can choose one for example we choose DBS alone okay then what we do is every three months we've we just buy one every one time this is this is just by wealth I've I mean my plan for like one way of accumulating wealth


so just buy three months buy once, uh it regardless of the price of course if the price is too ridiculous we don't invest of course just a normal way just invest every three months just buy once every three months just buy once so you can accumulate throughout maybe ten years we share uh quite a number of err good bank stock in your portfolio and


if the price good we just keep collecting uh keep buying the stocks and while waiting we collect some dividend so once the dividend can err that we accumulated can over can can like uh be more than the our income or maybe our expenses at least


then we will be able to have a good retirement life and perhaps maybe we can achieve some err financial independence ya that's my view (ppc) on this idea do you have anything you want to yes


ya agree on this ya I agree yes so the thing this ya you say first you say never mind you continue


(mmhmm) yes,


yes I agree on that so they're they're things this is we need to overcome so in order to achieve like for example to be financially independent financial independence, to overcome this issue first either we increase our income or we reduce our


uh expenses so the reduce expenses then this is what we think what we need to think how can we, reduce those unnecessary expenses for example they are things that instead of buy those uh branded thing you may just buy err maybe cheaper thing instead of buy uh uh in a buy I err enjoy good food


in a big restaurant you may just go for the hawker centre and invest only buy from there then you can save some money other than that we need to think how to increase our pay alright increase our pay it could be a uh few ways one way is, if you do something good


to save money for your company for example then you can just discuss with your boss instead of you wait for your boss to, increase your pay right you didn't you just be proactive to approach your boss boss you see I do something very good can save money for for the company or we I did a very big project I back a bit I mean the project which can bring a lot of money to the company and make a lot of money to the company


shall I qualify for better pay so that we can I can err be more motivated whereas you plan for this then you talk with your boss then he may prove to be you may consider to increase your pay that's one way, second way uh


of course the traditional people will think about uh go and do like part time job all these other than that if you can if you have like err you can make it more efforts for example go and open a a shop, the online shop then from there you can like uh have some passive income as well just plan do one time one time big a good job right


think of good products or few good products and bring over to uh shops online shop after that then, do it I mean err promote it well so that people know it and people like your like to buy from your shop for example then, while sleeping you get the order right so by doing this you can increase your this err err (ppc) err I mean err income as well so I'm thinking err if it cannot just think that err how to the the pay low I think how to increase ah that's one way you can overcome it if not then forever we we


we can't achieve ya financial independence ya that's my view for that , yes of course uh so if you have this err investment, you need to have uh the good knowledge of your this err investment product as well cannot anyhow invest most of people they just anyhow invest and invest thing that they are not familiar of course by doing this they lose money okay that's the thing this is the reason we need to think about how to


gain the investment knowledge while we're sometime we are tied we just err learn either from YouTube from someone that err have good knowledge then from there we analyse accordingly, then we just we just we just invest to up to the knowledge we have


this is what what I see just as a example if we if had a good study on a bank stock and singapore for just example DBS bank for example then, you see the trial report of a DBS bank every year you make good money and every year you pay with dividend and you have good uh confident on the on this company on the bank of singapore then instead of you invest every month right which is err quite a big amount you may just accumulate of three months then invest once


this is what we can do ultimately uh we had to go through some investment in order to, to be financially free to generate passive income basically if you do not have passive income then that would be very hard to then we have to work forever and one day uh now we're still young we can have I mean we can have err I mean we can spend times on our career now


but maybe one day the younger people may catch up then, we may lose out and you may not be able to make the similar income as what we have now so we need to plan on how to accumulate some fund for investment and generate passive income so investment is one way of course there could be there will be other way as well ah


okay there are of course the traditional way people do is uh they accumulate certain good amount they have a, some money what they do is they go and buy house buy second house or even third house then rent it to generate some passive income this is also another good way as well but err for this err we need to have a big need to start with a big amount of money okay other than that we can just invest on those REITS


this uh this is a one of the this uh financial products call REITS REITS basically is something like uh this, for example you go to shopping mall right you see ah your like I mean for example this err junction eight tampines mall all these all these are are REITS that err these are the ritz that this err


REITS basically is a real estate investment trust okay basically the fund manager right they go and buy all the he he accumulate a lot of money he can buy all the mall not buy the shop only buy the entire mall you know, then then they rent it out to the individual err to the individual err this err


people who were who want to do business and then they collect the rent, so this is the rent is their income, then after that they just distribute as a dividend to the shareholder so in instead of we buy individual house right not only we need to err


we need to plan for the for the painting to get a new tenant come in all these right but you invest on the REITS itself the R E I T S REITS itself right know all the the manager itself right (ppc) he will handle all all this thing what we do is we put the money there


every maybe every three months every six months you give me the dividend, maybe you collect the rent you give me the reward as dividend just like that so this will be very simple this is one way for investment


yes you just buy the something like that is is like a how I I mean uh like a stock it basically just a stock like that you just buy as a normal stock ya but this this stock right invest in those uh property that can generate rents the rent will pay us will reward us as a dividend


ya ya so this is something that you need to think about ya and another thing would be this like , let's say if you can uh generate enough err income right err the income then what we need to do is we need to think how can we err the doesn't mean we don't want to pay the income tax right but if you can do something to reduce your income tax then will be better lah right so how to reduce our income tax one way is


we do some donation so donation can err cut some of the income tax as well another more direct way will be we, we open this account call SRS account supplementary retirement scheme this account we can open in our local bank so we open this uh bank account I mean this SRS account and we put money into the bank under this SRS account


let say we put ten thousand in the this account and this ten thousand you ten thousand will reduce will deduct our income tax so this one way, ya SRS ya SRS ya SRS


ya there's a cap correct yes there's a cap the income tax correct correct


ah yes yes of course


SRS SRS yes, when we reach certain when we reach sixty two years old then can start withdrawing the money from our SRS account at the moment we cannot I mean you can withdraw yes actually you still can withdraw it just that have a penalty


you need to pay the income tax that you save and also will fine you that amount of money as so so can be done actually so this is one way and the the money that you put in SRS you can take out and I mean you can use is use this money to invest to growth


the to grow our money yes correct yes correct you can use SRS account


uh singapore stock market you can invest in singapore stock market most of the singapore stock you can use most of not all but most you can use SRS to invest, , so you can use this to invest like REITS which will pay about five percent dividend per year so instead of like you put SRS you may get only by one or even lower than by one percent per annum


interest you take out the money and go invest on REITS at least you can generate five per cent dividend ya that's how you can do of course uh another way is to reduce income tax is just you contribute more to CPF lah then oh this way also can reduce some of the income tax


ya of course we doesn't want to pay income tax we just still have to pay income tax like this is err raise our rules right to contribute to our nation, the development alright we have to do that also now so for CPF err also we can use some of CPF for investment but in my view I think for CPF we unless there's a very good opportunity we shall not anyhow take out CPF for investment now CPF have three parts basically


so the CPF have OA ordinary account, CPF SA meaning uh CPF special account and err on another part would be MediSave ah so MediSave can use to pay some of uh medical expenses, various for special account special account we cannot take out these money for investment


while people you can do is we can err, keep there and you pay four per cent per annum then this is a good return so we shall not touch the money in special account


yes basically CPF OA CPF SA and MediSave account three when you contribute to your CPF account will channel to this three err these err three account basically


so special account you you put this money in special account you can generate quite a good return actually four percent per annum at least anyway four percent now so four percent is very good return and it shall have no risk at all, now there are people what they do is instead of they put money in uh CPF OA they if they have if they have decided not to touch this money for a long time what they do is instead of they put in CPF OA which only generate two point one percent per annum what they do is they transfer some of the money from CPF OA to CPF SA


by doing this they can generate more return, but the the the issue is is not reversible if transfer from the money from CPF OA to CPF SA right you cannot transfer back to your CPF OA easily you very cannot transfer that ya it's irreversible and once you put there then you cannot use the money for your housing


ya this is something must take note , uh stop and submit now right, stop and click submit ah don't need to test right just no need to click the play right


okay part three negative experience first


yes then you share your bad experience, maybe I start first what about I start first in the okay now uh in that case case because uh


we have this COVID-nineteen we cannot go out right !wah! cannot go out then we have to work from home, while work from home our children also have to study from home !wah! this really make me so struggle, uh on them you see while doing my work then I have to, I have to take care of them also then they are they have some computer issue also while doing their Zoom while those these really make me so so stressful when I I mean when during this uh period ah at least now so not so bad lah while we need to start a time right they they had to stay at home study at home


set up the computer things sometimes cannot hear the voice from teacher sometimes teacher cannot hear them and sometimes cannot see the image !wah! this is a very very very, uh very stressful then while I need I need to work from home need to handle my issue then they they they go and err like facing this like I don't feel bad about this ah actually to


on this err this arrangement !wah! luckily now uh a bit relief while I still working from home at least now they go to school not so bad, uh but although the I mean during the place I wanna I really feel very stressful ah the did you experience the same thing


video conference right err view Zoom right ya Zoom


it's not a challenge already yes then we need to control them how to go to talk about this while is very hard to do this, ya me too I I just shout at them you know I shout at my children always like very bad experience ah but I've no choice ah this is because they they make noise also sometimes I cannot concentrate on my job right !wah! I feel so bad on them so this is something that we need to do to improve it actually


, ya


not only that actually sometime my kid at home right because they they all the time at home and most of the people also work from home then uh sometimes they they step they step on the floor they play run and run around then you affect our neighbour so


then neighbour go and complain !wah! this is so headache then of course it didn't mean that uh okay I I can understand also the the angle of the neighbour so we tried to manage these also lah just that this is something that sometime also make


sorry just stop for a while just stop for a while uh hello hello hello ya my, my this ah recording stopped the this I need to I really need to uh off the reminder


the reminder will come keep coming out every some every ten minutes once eh I need to off the reminder


if not they will keep, okay ah then I just send whatever I have now oh ya


ya I I submit first ah I submit first ah this one because it's stop sorry I submited already ah I submited already ah sorry


we just continue first ah because the we still have backup on internet


okay okay okay then we we continue with the this negative topic first ah okay ya ya good another thing uh another thing I I feel uh not no I mean another thing I feel like uh not so, err not not during the COVID nineteen only ah just a normal days right we see that err the environment I mean when we I feel that err


I was this err education system can improve even better than err educating our younger children, to err to love our environment ah ya I advice, see this no doubt singapore seems are very clean right the cleaning it seems like it is because the uh


uh mean we have enough money you got pay ya hire hire a cleaner to go and clean it right like you if you let's say you you you like uh you you wake up very early ah you go and walk outside you can see actually a lot of rubbish outside also just and after maybe after nine then you see very clean so this is like I mean just I just share my experience on this


how can we improve on this point right is like educating our younger generation to to really love the environment not to anyhow uh throw things, uh I mean or on the floor this and and just be minded when they they want to create the rubbish


see there ya correct it is not like uh I mean the habit have to, cultivated if not then you you will not improve anyway so this is something that we have to see how can we improve on this point in my view ah this really make me sometimes very frustrated when if I wake up very early then I walk outside I see


ah this is something also very bad right this don't know how to improve this point ya


how can we do something to make it better we we do you think you want to talk to them gently or you want to like I mean reported report them you report them also not so good right so how can we do this to improve ah


supposed to be smoke-free right yes ya few people


, , sure then,


ya (mmhmm)


uh this is not right lah you know he's he's not he supposed not to smoke in the garden there lah


(mmhmm)


you go take the picture ah !wah! so they can have a a you you've the evidence yes


yes yes, this is supposed to do that you keep the evidence so if anything happened right then yes we can just err at least you can pass to police for easier investigation


yes, ya this okay sure sure sometimes , maybe we are non-smoker ah so we sometimes also cannot understand uh I mean the those smoker they they may have their needs which we can't really tell it just like in our side we feel frustrated of course ah just that nowadays right we we go out we have to wear mask right


so but they they can just use the excuse they smoke they don't need to wear mask it could be a this is their excuse, and ah this also make me feel very frustrated and while they they walk while they smoke and if I stay if I walk behind them ah then I'll feel !wah! I'll ya I'll I'll suffered so this is something that I know I mean if I I will just as stay away I just stay for a let them let them walk first ah


let them walk away first ya, yes yes, yes yes ah they can't yes uh, ya so this is something that I mean this is something that education if we just like keep uh fine fine keep that means fining them ah is also not a way lah best way is through education ah that is the best way lah so so long uh everyone uh


no there are rules even they are smoker okay we respect them they respect us then they go to a certain place to smoke at least there is uh more reasonable lah ya yes correct correct, correct there will be more reasonable like for example now what they do is like this uh orchard


right orchard last time when I when I walk outside orchard lah I really cannot stand because too many smokers outside they go and smoke !wah! then I feel very bad on it it's okay I mean I have to respect them right because they they have their own right also anyway right some me we respect them so it just that now uh I really thank to government they go and


go and uh implement these rules they can only smoke in certain area which is good actually but also that uh that the air in I would say the air in orchard road right is now cleaner, alright I walk outside right is still I still feel good not like last time you can't really walk outside one because outside in I mean walk outside the


outside the this err next to the main road right there're people walk too many people there a lot of smoker there then you you basically you just err err you just suffer from the all the smokes then I have I can only, I mean err can make like err


go inside the those ah mall right to to to uh to go some my shopping we go outside we really feel bad but nowadays not so bad ya so this is something good that err the goal government implement implemented actually I hoped that err this can be implemented in other areas as well


so that err at least smoker they can enjoy the smoke yes to as certain area at least this way right err it help each other and to to to reduce the uh conflict between smoker and non-smoker


ya also education ah of course


ya also education so this is something that we need to uh is a challenge but if, if the government can do something good to solve the issue !wah! then everyone will happy of course now they're doing they're doing actually you can see the now I ya I so far I didn't see any advertisement on cigarette right do you see any


I didn't see any right I hardly see it now and in fact the the cigarette the box it sell now they make until so ugly like so like make until people feel feel uh bad right I'm not sure whether how err how this can help right whether this will discouraged smoker from smoking I'm not sure whether this will help actually it just at least they do something


I have friends who are smoker uh sometimes I ask them they don't don't really anyway they still smoke right so is just like how to how to


stop them from smoking actually a challenge ah alright once is addicted is not so easy uh ya same for people who go gamble right because addicted is very challenging also not so easy to, to uh to stop that ya so to stop that is really had to make a big effort ya so what we can do is at the moment at least err so long I don't be affected then I'll just


I just have to tolerate with that ya ya so this is something that uh on the, okay if you actually we stay in this err, the housing estate right HDB all these right also too many so many people stay together we need to respect each other so sometime I got a noice from upstair then sometimes like big noise I create noise uh affected my downstairs so all these we have to like


uh be tolerate also ah ya ya sometimes neighbour, complain then we had to handle it also ah I I also feel like very frustrated when when neighbour complaining too many times but I know sometimes uh not because I mean sometime I think you'd you'd think that is our fault then we have to we have to do something to improve the station lah


ya do you experience this do you have this issue actually at your at your site mine right somehow right I'm not sure whether my my this err my this floor uh is very thin or what uh, !wah! then it can just affected the my neighbour downstair easily one ya I hope you are you don't have this issue ah but mine is very very bad but I mean I I try to control as fine as possible ah


oh you your side is better right ya ya ya but I mean this is something that the something that we need to think about how to uh give and take lah, ya give and take lah sometime ya if you talk them also talk to gently ah just that this solve the issue that not easy to solve also alright you have to uh had to face it just like we need to face COVID nineteen also right god give us so many err err inconvenient


(ppc) in our daily in our daily yes, ya affected everyone affected lah actually this is this one err definitely all we affected one just that how bad you you being impacted only we talk about this err next time lah not the not here lah this is ya what I mean the COVID ninteen actually uh really affect a lot and !wah! go out also when


oh of course oh you got it you got it uh I just do whatever you can now just until ya just keep doing only lah like basically ya if you say that everybody I worry about my career of course I worry about my career I worry about my career yes


I worry also just have we just do whatever we can then until one day, if it really happened then we face it and just move on oh ya so long we think positive then should be able to to overcome ah just like this something that we need to face it and I I'll feel lucky actually at the moment at least we still got job there are people they may lost their job already alright so this something that uh we need to feel thankful lah alright


ya ya ya some in the correct industry lah yes ya


affected yes


all affected lah all affected yes now you need to think about thisso now you can secure a job ah you must feel thankful already, there are many people that lost a job you know so you can like give some even other they lost a job or they pay cut they pay cut alright so you've if we can have the same


that means same uh same income right we must feel thankfully now the bonus is additional in good time we enjoy more bonuses but in bad time we have to accept it that, maybe forego the bonus as so long we can continue to live as normal then we must feel thankful at the moment ah ah but this very challenge ah we don't know when this can really overcome hopefully the vaccine thing uh really can come up soon there are people say it may come out in end of the year


some say next year uh ya but, what I think is now is like whatever whoever like go maybe go err travel or go outside they must be more responsible ah, like apply this err good


social distance and also don't anyhow go out if they are in they in the so called the uh quarantine I mean under the quarantine period so called the fourteen days, make sure they obeyed it ah if not then they will bring the they will affect the whole society also just like you know in our neighbour country right those people came back from certain place he thought that he he's he's so healthy in fact he was affected


it go and it go and like so after that what happen the whole area affected, so everyone must do the job if they are in if they think that they are thery they went to their so called uh high highly affected area ah when they come back ah make sure they really follow the rules stay at home don't anyhow go outside you yourself have problem then you go and affect others all this very bad thing


what respond to your own body you affected others people if you yourself you yourself then that is the problem then it's okay so he stay at home ya that's the thing uh make peoples make make like I I feel very bad on this also ah when I hear the the story I mean those news in our neighbour country one hopefully this not happen in singapore


yes, yes yes correct I do agree


yes correct correct, ya so what I mean is this I think we have to face this now like just like how can we


continued to be better on it so when what hope is vaccine come out so everyone everyone safe other than that will be everyone do their own responsible, ya tested only test you cannot like ya still have to wait not so soon not so soon hopefully end of the year lah


okay


ya, part two positive experiences okay do you want to start first


yes ya


good experience right ya ya good experience


, yes yes


family to taiwan right


yes agree, yes yes, sure sure okay basically my uh my positive experience there are few actually first it will be like uh where I first got my job first job alright first interview


that I still remember !wah! the feeling is so good I I was interviewed by two err interviewer K then err they ask me some of the questions which I, all the questions I still manage to answer them then err before they decide I mean when you want to decide right they will err at the moment they decide they will ask you to stay back


so after finishing the the interview then I stand up then I, walk very slow alright hopefully they can ask me to stop !wah! the moment is I walk so slow before I open the door they ask me to stop !wah! that the that moment is a best moment like I I one of my best moment in the life they ask me to stop then I know I got the job already !wah! out of so many interviewer


and so this is some this is something that I feel so good uh in one of my life like I got the first job right now the second thing will be, you get the first pay what the first pay I get it !wah! of course the amount may not be so big compared to now just at a feeling so good that I I see the paycheck right !wah! !wah! this amount that I got err then I could do a lot of things that I can't do when I was student


so that's the second I really feel so good now, another thing will be like years ago when my first child born right were born at the I I stay in hospital alright waiting for her to born then then I saw her saw her face that !wah! the feeling is so good also that the first moment err if err


with my wife there together and with my children that that my my I the elder daughter which is born I saw her face then err she look at me then I feel so good that that is the best moment ever, err in my life lah so having children yes is very good feeling ah ah ha ya so there's these are a few these are a few ah few uh


uh the good experience that I have , of course err talk about travel like I try to like more frequent travel err recently if possible unfortunately this year ah we all the train all the train have to cancel why because uh when I was like quite young the time then I told myself after I work I want to travel to enjoy my life for this


then I didn't do that, for a long time and only until recently I told myself I, I must do something you know in order to, err to to, to enjoy some of the life lah if not keep walking and do nothing then I mean don't don't enjoy life you also not good idea so this is the thing that I I did yes


yes, yes yes this is a very good experience ya luckily we we did that , but luckily we did that and you you manage to commit it if not then usually like err have no opportunity at this moment and I don't think they can ever have chance to travel there in an yearly terms so I really feel thank you for making the commitment


to go together with me , all these are very good experience to join, ya


I would say may not be the case ah it just like the places we visited right like too many people but if let's say we can bring them to err like those err a bit rural area or in fact we can bring them to this, err what is this place call it uh this err uh disneyland


that is it resilient there ah we can be if you bring them to there right actually is a quite a fun place, you just have we we if we visited all those err cities of course then then will be too crowded then we may not we may not like it like bring them to those leisure place, or it may not be it may be a bad idea actually so you can still consider there and from hong kong we can go to travel to china as well I mean just next next city from from hong kong err you can find a good place there then they may like it as well


okay of course if we compare hong kong taiwan then err for more leisure then of course err how to say ah like maybe taiwan or other places could be a better place but for hong kong maybe for more for business, ya so every place has their unique err attractive place I mean attract attraction ah basically


yes correct correct do you ever strike err four D or anything, do you feel very good on that do you ever strike four D you have that feeling , the feeling is good actually it's not a big sometime it's not a big or small one is a feeling of uh getting the prize right ah I to be frank I never


yes it's a it's a feeling of winning yes a feeling of winning that makes people continue right yes ya so


and then ya ya sometime people want to have this uh good feeling to keep their life uh go on so this is something, err you have do you have any like you besides striking those four D like sometimes we we send something right we write something something article we send to those err


send to other peoples they say something good to us also that is a good experience as well for example we we write something good we post in our Facebook and if uh people say something good on us or put a like and a few good also ah so this is something good experience as well lah actually so happy


ya can be very easy it can be very difficult depending on how we how we do it actually how we how we think about that, (ppc) so try to put something in Facebook like people will comment right uh hopefully like they give some comments then we feel good actually


, so after COVID nineteen ya


I see basically like my my purpose was sometime I put something in the facebook is basically need to keep for myself only lah for example


years ago you want to I want to see the I mean I want to like look at a picture again lah I can always err revisit it especially of sharing to everyone another way is just to to keep the information there lah basically instead of sometime if we lose our, maybe lost our hard disk old disk ah then everything gone so instead of that we put something we upload something to the web right at least we can retrieve it again when we need it ya this is somewhere something they can go about uh so do you have a plan after COVID-nineteen


first thing ya ah, for the first the first thing you want to do after ya what is the first, ya I mean what is the first thing you want to do after let's say err this uh COVID-nineteen being relief like not so not getting so serious what's the first thing you want to do


, I see I see I have to say that I have the same thinking also so first thing to do is, !wah! I just find a bus ticket or air ticket right I just fly there and go and visit the family right uh that's the first thing I want to do ya exactly then secondary will be go some go for some travel ya


ya ya ya, yes yes, you miss her right ya


now the thing is the challenge is this every I would say most of the people has this thinking ah so if let's say the border will just open !wah! there are so many people go and we see each other what the the travel would be huge and it may not be so easy to


err to travel and with this our social distance issue and then I mean social distance rules ah it could be we have to take care also lah otherwise there will be a risky to us as well so ah even though I want to do it immediate ah I admit I'll just hold back and wait for a while lah so we should


(mmhmm) quite young right (mmhmm) (hmm), (mmhmm) ya


I mean it it it I mean for ourselves we can just go alone let said ah for this period don't need to bring the family first, because we yet I mean we don't go back to I mean we didn't visit our family our parents for so long we can just go you and me just go back right instead I mean not go go to visit them instead no need bring our whole family that would be easier and for our safety as well


I mean this we can arrange ah we just go for it uh I see uh


like you you have anything that uh in your family recently that you want to share with me I uh how how's your daughter getting I didn't see her for quite long time also


should be


(mmhmm), !wah! that's a ya lor, oh I see yes yes yes ya ya


I I think we keep this topic to the next one later, ya, that that will be ya now now you come back to now now now you go back to office to work already right


so that means you are not necessarily everyday you have to go back to the office to work lah basically okay what what I want to what I want to say to you this everytime when you come back right if your daughter say oh welcome me back to home right !wah! that's a very good feeling ah so like like err if I go back then I mean like I go to office the work


then if I come back right they open the door and they welcome you right oh this is very good feeling eh so this is something when we have children and this is a very good memory to us uh, and you and you you try to record it down lah so you record it down !wah! then you can just watch again right !wah! you feel so good on this


ah, yes so is this few ya so this is the I would say this is one of the beauty of having a children and we need to train them also lah to always tell us to I mean ask welcome us to home when they so this is a very good err I would say very good habit uh where we need to have so that uh to keep this good relationship


in a another way also when they come back we let's say we are at home and they come back from school for example we must welcome them also, ya and also we need to create a yes and we need to create a habit also when they come back right they must say I'm back


alright then so if I back from work right I will tell them ah I open the door I say I'm back also so when we had we need like this good habit ah when we go out also we need tell them uh we're going out so at least they are aware, alright so this err this both this will create a good relationship between two parties and this had to be uh cultivate from now till when they grow up


yes correct correct if we don't do it now right when they grown up they would not talk to us so frequently lah so you have to like start with this since they are young (uh huh)


, ah ya this is very good yes this is very good had to do that practice you keep doing that lah if you can I I did before that err now I didn't I just say uh I just say I love them then uh then I get them to sleep and all uh previously yes I try to do that


, I I I mean this is a good practice ah you can do that then will be good ah ya then can be good okay


now now not so strict right so you have any place you want to go to have a dinner together, actually I didn't meet you, for sometime also you can plan a place plan a time and ah after maybe after work ah we just go to a restaurant and to to to talk with you lah


ya you and me enough lah we didn't need to bring our family just you and me ah because I didn't see you for a long time also uh in fact, so just just ah just meet up somewhere lah then we like either either one day after we finish our work just come over or I go to your place or we go to meet some places to have some good food lah ah


never meet for some times already !wah! but then I also miss you , ya lah , ya good to arrange for that lah ya just so that we can have some bonding again lah right I didn't see you for sometime


I see I see then you can just ya take one one day leave then we go somewhere


oh (uh huh) so, any other plan I think we can't plan anything at the moment lah for for days uh to go travel so do something that we can do like we can plan a to travel do some staycation ah do I mean plan some err holiday in singapore uh do you go any place yes


those staycation right those staycation,


you want to stay in farm plan go and stay in farm lah right you want just plan a day right like country farm ah I bet our children like experienced that once maybe in their lifetime so they like it alright can see star at night some more


ya ya yes, that could be one way to do lah if you want ah, Sentosa ah, ha ha ya


sure, ya think about that then err then plan ahead then we can just meet up one day lah ya so that's all for this good experience ah okay so I see again ah brother we plan a day to meet up


nice sales target err


ya do some webinar [loh] do some webinar with uh with friends or like also do some online reading read books all these ah


part one financial related topic


okay, so ah the first one err how do you invest money to accumulate your wealth and the planning your retirement, ah pa I say first ah so


in terms of invest money, err I I don't have much of uh the finance err knowledge but if you ask me so far uh usually I don't overspend I I try to do more saving in the bank of course


err, we we hope to gain the, the passive income but in terms of planning for retirement err when it goes to certain age of course we will try to think about it err, err, to me I hope if I can


uh buy a good share earn a good dividend then as a return it it it provide me a a sustainable uh income every year they'll be, my my my hope at the moment, ya


oh it sounds very technical to me, but I, I mean even before that we say you want to invest money for accumulate wealth, upfront I mean, especially for those uh low income, you can't even err survive to talk about invest it may not have have extra money to pay for what do you call that the for the insurance as well you just have


earn enough to survive, I I mean uh ya especially, especially when , I mean especially when we get married err our commitment get higher you need to have the kids and serve the house loan


I always think that how how can we I mean your your money I mean your money to in order for you to go for the investment is get uh later as you get little and little


I think I think is also important to learn how to invest uh invest doesn't mean you will earn some most of the time you will lose ah


so the the way of err invest what you call rent R E I T so it's something R E I T it's something similar to what we invest to the stock market am I right to say that


err, I think I roughly


ya I I did it I I I did it what do you call that the SRS last year


SRS I I rememeber remember there is a cap money that you can err that is a cap so for you to basically rebate the err reduce the the income tax ya it it really it really helped to reduce a lot, cause I think if in the certain income we hit the you will remember err the income tax rate err it start at two point five percent seven per cent and then the next will be ten percent so if achieve achieve a certain certain certain amount of the percentage of the tax income will be very high


I I I, I I do agree is a very good way but the the the the downside is err the money where you put in in this uh what we call it the SRS account you can't as you can't take it out it is is is like a


your saving in in the account and you can only uh withdraw it when you and up to a certain age ah if I remember


invest at invest as you want I can buy stock market using the SRS, but lily it it but correct me if I'm wrong but it will only limited to certain a accident stock market right


I see okay I maybe I will do that ah


if do,


I have less understanding about this special account I so far I only know is the ordinary account which I used to, err buy my first ya for housing my first err flat and err, the medical MediShield account the third account


err I use that I mean ya for for some of the medical medical deduction the bill deduction


part three negative experiences


bad experience ah, okay maybe just talk about those the second question I don't know what is ask me err ya sure


yes that's why err, I was working from home the during the MCO period about two months that time the kids uh not allowed to, back to school so, he was study at home he basically not study at home just joining me join my meeting together in fact err there's one thing


it is good but uh I don't I I feel is unnecessary because the school try to, to do the video err what you call that video, video conference so imagine ask a three years old kids standing I mean sitting in front of the PC in fact ah they are not arranging by the PC uh using a smartphone


so we have I mean the kids in fact during the kids uh joining the the the video learning I had to sit beside, I will use my phone I have to entertain entertain the kids and a and a teacher together in in sort of like a


and helping in a technical way lah I I mean the teacher will ask you to mute the mic everything in fact ask three years old to sit properly is I mean is is not going to happen it is very very challenge


he just cry like that and in in fact there's one one time I really very angry and very frustrated I almost want to throw the phone